The Holiday Season: Changing Horses in Midstream

Time to opt-out of holiday expectations

Once again, we have arrived at that time of the year when retailers hope to make up for a slump in sales of previous months via enthusiastic shoppers, those who throw caution to the wind purchasing more than usual on credit to keep up with holiday-season expectations. Tradition demands it. […] Read more »

Gratitude in an Imperfect World

Another View of Reality

“Each one of us, as long as life stirs in him, may play a part in extricating himself from the power system by asserting his primacy as a person in quiet acts of mental or physical withdrawal–in gestures of non-conformity, in abstentions, restrictions, inhibitions, which will liberate him from the […] Read more »

The Wealth of Well-Being: A Cautionary Tale

Thanks to the Federal Reserve

Mark’s idea of freedom was being able to create meaningful work while spending as much time as possible with his family, sometimes enjoying the tropics of the Dominican Republic. Instead, at age 52, he just died.  And – no – it wasn’t a heart attack. At this writing there is […] Read more »

Civility, Bullies and Winning

“Bully-worship, under various disguises, has become a universal religion, and such truisms as that a machine-gun is still a machine-gun even when a ‘good’ man is squeezing the trigger… have turned into heresies which it is actually becoming dangerous to utter.” ~Power: A New Social Analysis by Bertrand Russell, reviewed […] Read more »

The Failure of Success: Market-Structured Consciousness

Don't try to think.

Sorry to say, I just read this article that confirms what I’ve believed all along, “Is Credit Card Debt the New Way to Survive in America?” It proves my point about how commerce has virtually co-opted life. Natural-human consciousness seems to have morphed into market-structured consciousness. (Coined by author Jay […] Read more »

Personal Finance: The Betrayal of Form over Substance

The Emperor Has NO Clothes

I know I am a lone voice crying in the wilderness when it comes to debunking conventional thinking about how best to earn, spend, save and invest. My information is based on hard facts (public domain information) regarding how the system of money actually works, and the negative impact it […] Read more »

Your Credit Score or a Life Without Debt

Debt-Based Currency

To seek a high credit score or a life without debt, that is the question. When seeking a high credit score, you must make sure to have a perfect-payment history, stability on your job, an expanding credit history, and available credit you carefully use and repay. To get started, financial […] Read more »

Want to Win? Don’t Play with Credit Cards

Just Say No to Credit Cards

Just say no to credit cards; it’s a losing game. Yet, no sooner do these words leave my mouth, than I hear voices chiming in to tell me: “But I get ‘free’ miles.” “I pay the balance off every month.” “I only use it when I travel.” “Credit cards are […] Read more »

What is Wealth? Part 1: The Lure of the Hamster Wheel

Running faster

“The first wealth is health.” – Ralph Waldo Emerson Spinning on the hamster wheel of progress, burdened by the stress of over-commitment, debt, sleeplessness, and concerns about the future, we soldier on the best we can. Such is the commonly told back-story of modern life. Who knew the price of […] Read more »