Why “Quagmire” Is the Perfect Word for Modern Business—and How to Avoid Getting Stuck at All Costs

California’s Punitive Bureaucracy: A System of Control and Economic Coercion

SB-748: Safe Parking Sites and Local Responsibility for the Unhoused

California Senate Bill 748 (SB-748), signed into Law in September 2025, marks a significant expansion of the state’s approach to homelessness—specifically addressing the needs of individuals living in vehicles. The bill modifies the existing Encampment Resolution Funding (ERF) program to include support for safe parking sites, offering local jurisdictions new tools to manage and assist vehicle-based homelessness.

Too Good to Be True: The Anatomy of High-Yield Investment Scams

America at the Crossroads: Are We Ready to Ask Hard Questions?

America is standing at a crossroads, and the time for action is now. For too long, we’ve skirted the most uncomfortable questions about what’s wrong in our country. Government leaders have evaded them because they’re politically costly. Mainstream media has sidestepped them because nuance doesn’t sell. But the cracks are widening, and the cost of silence is becoming unbearable.

Government Efficiency Isn’t a Dirty Word—It’s Stewardship

Government inefficiency is characteristic of entrenched bureaucracy.

The Importance of Resilience in Business

In today’s volatile business environment, resilience isn’t just a desirable trait—it’s a transformative survival skill that can inspire and motivate. Markets shift overnight, technology disrupts entire industries, and global crises can upend even the most carefully laid plans. Resilience empowers businesses and leaders not only to adapt but also to transform, recover, and thrive in the face of uncertainty.

“Crap Shoot” in Business: Origins and Applications

The phrase “crap shoot” originates from the gambling game craps, where players roll dice and outcomes depend entirely on chance. The term evolved into a metaphor for situations where results are unpredictable and largely outside one’s control. In business, this concept resonates deeply because many high-stakes decisions involve uncertainty despite careful planning.

How Pronounced is State-funded Chaos in the USA?

The concept of state-funded chaos in the United States can be interpreted in several ways; however, historically, it most often refers to instances where government actions—whether intentional or due to dysfunction—have led to widespread disruption, instability, or erosion of public trust. Government actions are directly to the benefit of the government apparatus and against the best interests of the people.

What Sparks Real Change? The Psychology Behind Life’s Turning Points

What is the Spark in One’s Life that Causes them to Make Significant Changes in their Life for the Better?

That pivotal moment or “spark” that causes someone to make significant life changes for the better often stems from a personal crisis, a profound realization, or a transformative experience. While the catalyst varies from person to person, here are some common types of events that tend to trigger such shifts:

How the Federal Reserve System Plunders the American Taxpayer

The Federal Reserve was established in 1913 under the Federal Reserve Act, following a series of banking panics, most notably the Panic of 1907. Its stated purpose was to stabilize the financial system, provide an elastic currency, and act as a lender of last resort. Over time, however, its policies have evolved into mechanisms that critics argue quietly transfer wealth from ordinary Americans to the government and financial elites. This “plunder” doesn’t happen through overt taxation—it occurs through monetary policy, inflation, and systemic favoritism.

The U.S. Electric Vehicle (EV) Market is hitting a Rough Patch, and the Reasons are Clear:

The expiration of federal tax credits, high upfront costs, and persistent infrastructure gaps have triggered a sharp slowdown in demand. The Impact of these factors is not to be underestimated, as they have significantly altered the market dynamics. Social engineering only works when it continues to manipulate the public into thinking they are gaining benefits and preferential treatment. Once reality sets in that the benefits were only temporary, then the business adjusts back to market-driven economics.

The EV Bust: How Policy Shifts and Consumer Fatigue Sparked a Market Correction

The Policy Whiplash Government incentives were the backbone of EV adoption in the U.S. For years, tax credits and state rebates have narrowed the price gap, signaling a long-term commitment to electrification. When those incentives expired in late 2025, the market lost its safety net overnight. Automakers had scaled production based on a demand curve that assumed continued policy support—only to face a sudden cliff.

Government as Racket: How Power, Policy, Access, and Paydays Converge

When people say “the system is rigged,” they may be closer to a macro truth than a slogan. Here’s the evidence-driven anatomy of how public authority routinely converts into private gain—and what it would take to unwind the racket.

War Is a Racket: Smedley Butler’s Timeless Warning About Profiteering and Power

In 1935, Major General Smedley D. Butler—one of the most decorated Marines in U.S. History—published a short but explosive book: War Is a Racket. At fewer than 50 pages, it remains one of the most searing indictments of the economic motives behind war. Butler’s thesis was radical yet straightforward: wars are rarely fought for freedom or defense—they are fought for profit.

From His Book, Confessions of an Economic Hit Man, to Today’s Debt Diplomacy: Debt as a Weapon

What John Perkins alleged two decades ago—that a system that uses debt to shape nations’ choices—still resonates. But the 2020s bring new players, new contracts, and new fault lines, marking a significant evolution in debt diplomacy. Here’s how the playbook has evolved—and what it means for countries caught in the middle.

Why We Should Accept Nothing at Face Value from the Mainstream Media

Because of its persistent—and often subtle—use of propaganda techniques to sway public opinion

“It Costs an Arm and a Leg:” The Real Story Behind The Phrase

We all know the phrase: “That costs an arm and a leg!” It screams expensive—but where did it come from? Let’s bust the myths and trace its real evolution.

California’s 2025 Legislative Reset: Housing Density Meets AI Accountability

California’s 2025 legislative session was historic. Governor Gavin Newsom signed 794 bills into Law, vetoing 123 others, in a sweeping effort to address the structural challenges facing the state. Among these, two policy areas stand out for their transformative potential: housing reform and the regulation of artificial intelligence. These initiatives not only address immediate crises, such as affordability and tech ethics, but also set a precedent for national policy debates.

Governor Gavin Newsom signed 794 bills in 2025, spanning a Wide Range of Policy Areas.

The Governor never met a new regulation designed to control every element of human experience that he didn’t like. The control in California of the human experience moves one step further toward the Communist Chinese Party experiment. Tax, regulate, and provide a safety net for those who don’t want to work. They will come in groups, and I will maintain control over them. They will vote for me because I represent a life-line hammock.

SB-21 (2025): How Sacramento Rewrote Single Room Occupant (SRO) Rules—And What It Means for Housing, Finance, and Cities- Technical Read

SB-21, signed on 10 October 2025 (Chapter 511, Statutes of 2025), updates the Housing Crisis Act framework to allow jurisdictions to rehabilitate and replace single-room occupancy (SRO) buildings with more flexible unit replacement rules. This update, while securing long-term affordability and strengthening tenant protections, ensures a fair and balanced approach for all stakeholders. Most provisions take effect on 1 January 2026 (the regular effective date for non-urgency statutes).

Demonstrations and Rioting in the USA are a Big and Profitable Business Enterprise.

History and economic dimensions of activist demonstrations and rioting in the United States, including its evolution into a profit-driven and politically charged enterprise:

The Psychology of Economic Behavior — Why We Choose What We Choose

Let’s review a few comments between economists, Ludwig von Mises and Friedrich Hayek, and compare their views on purpose and individualism.

Top Mortgage Risks: Empowering Knowledge for Every Borrower and Lender.

The mortgage industry, a vital pillar of the housing market, is not immune to significant risks.  Both lenders and borrowers face challenges that, if not managed effectively, can lead to severe financial strain.  Below, we present the top mortgage risks, ranked by their potential Impact, along with real-world examples, to raise awareness and caution.

Kermit the Frog: The Iconic Muppet Known for His Gentle Wisdom, Quirky Humor, and Heartfelt Optimism.

Famous Lines from Kermit the Frog: Wisdom from a Green Icon

Forrest Gump: The Simple Sentences That Made a Film Immortal

And these simple sentences resonate in our lives when we experience Forrest Gump moments.

How California Legislative Bills Get Proposed, Written, and Submitted for Approval.

Stop, and Go Dynamics in Business:

The phrase “Stop, and Go” is not just a simple expression, but a concept of profound importance in various aspects of life, particularly in the dynamic world of business. Its literal and metaphorical uses carry significant implications, shaping the way we understand and navigate the business landscape.

How to Locate, Vet, and Negotiate with Private Money Lenders: The Key to Secure and Confident Real Estate Financing, Packed with Valuable Insights

(A Borrower’s Handbook)

American Moral Hazard Analysis, Sector-by-Sector: Government Inefficiency, Corporate Profitability, and Insurance Market Instability

A moral hazard occurs when one party is insulated from risk and therefore behaves differently than they would if they were fully exposed to the consequences of that risk. The risks are systematically transferred to another group, a subset of the whole group, or an external entity.

How Federal Legislative Laws and Regulations Get Written (with Industry Examples)

Most laws don’t start as polished statutes. They begin as ideas—often from outside the legislature—and are translated into precise legal text by nonpartisan attorneys employed by the legislature, with heavy input from members’ staff and stakeholders. While lobbyists and advocacy groups cannot introduce legislation themselves, they do play a significant role in shaping the language that ends up on paper.

How Does Search Engine Optimization Work?

Search Engine Optimization (SEO) is the process of improving a website’s visibility in search engine results pages (SERPs) to attract more organic (non-paid) traffic.

Radicalized Ideologies Spring Up in the Age of Algorithms: Why, And How They Spread—and What Actually Works Against Them

Radicalized ideologies thrive when three forces converge: grievance and the need for significance, compelling narratives that legitimize extreme means, and networks that reward commitment and belonging. Researchers frame these as needs–narratives–networks (or, in classic models, the “staircase” that narrows choices as people move upward).

A Collision of Good Intentions, Bureaucracy, and Market Reality with Far-reaching Consequences: California’s Entitlement Feed Back Loop

Becoming a Self-Starter: How to Build Intrinsic Motivation That Lasts

In a world obsessed with hacks and external rewards, the real differentiator isn’t a bigger carrot or a sharper stick’s intrinsic motivation. Self-starters don’t wait for permission or pressure; they act because they want to, not because they must. The good news? This isn’t a personality trait you’re born with. It’s a skill you can develop.

Why Mutual Trust, Respect, and Cooperation Is Breaking Down—and What’s Driving It

California Mental Health Brief: Reforms, Capacity, and What to Watch (2025–2026)

A Dramatic Shift in Real Property Development is Upon Us

California is on a mission to install millions of high-density stack-and-pack apartment dwellings and affordable housing units to conform to the vision outlined by former President Obama, as outlined in the Affordable Furthering Fair Housing (AFFH) initiative. Stack up to the heavens, and they will come.

How Many 1960s and 1970s Songs Have Deeper, More Meaningful Messages?

Music, like mathematics, is a universal language.

The Bureaucratic Company Merry-Go-Round: Urgent Need to Address Individual Responsibility Deflection that Paralyzes Organizations

Entrenched bureaucracy and the deflection of individual responsibility are systemic issues that plague both public and private institutions. This paper examines how these dynamics contribute to organizational paralysis, utilizing real-world case studies to illustrate the consequences. It explores the structural and cultural origins of responsibility avoidance and proposes targeted reforms to restore accountability and operational effectiveness.

California’s New Building Standards: How State Mandates Are Reshaping Property Rights and Neighborhoods

California building standards, Title 24 compliance, electrification mandates, zoning changes, erosion of property rights, high-density housing, progressive energy codes, natural gas bans, and real estate development in California.

Driving the Bus: Origin, Meaning, and Cultural Significance- Expanded Version

Language thrives on metaphors, and few are as vivid as “Driving the Bus.” This phrase has become a staple in business, sports, and even psychology, symbolizing leadership and control. But where did it originate, and how has it evolved, accumulating new layers of meaning and cultural significance?

Driving the Bus: Origin, Meaning, and Cultural Significance- Quick Read

In everyday language, metaphors often shape our understanding of leadership and responsibility. One such universally understood phrase—“Driving the Bus”—has become a popular idiom in business, sports, and politics. But where did it come from, and what does it really mean?

The Diary of Anne Frank: Universal Themes of Humanity

Anne Frank’s diary, which was written during two years of hiding from Nazi persecution, transcends its historical context to illuminate themes that resonate across cultures and generations. While rooted in the horrors of the Holocaust, her reflections speak to universal aspects of the human condition—identity, hope, fear, and the enduring power of words.

Knowledge Is Power: Why Understanding Is the Ultimate Currency

Francis Bacon’s famous phrase— “knowledge is power”—is more than a slogan. It’s a blueprint for personal freedom and influence. In a world of accelerating change, knowledge isn’t just information; it’s a powerful lever. It’s the ability to act with clarity, adapt with confidence, and create opportunities where others see obstacles.

What Is the Opposite of Insecurity? Confidence or Self-assurance.

The opposite of insecurity is generally considered to be confidence or self-assurance.

America is at a Crossroads Between Capitalism and Individual Accountability, and Collectivism and Outright Socialism.

Promoting capitalism and individual accountability in a society that’s increasingly debating collectivist approaches requires a mix of policy, culture, and education.

Essay on Viktor E. Frankl’s Man’s Search for Meaning: Finding Meaning Under Fire- More Complete Version

Viktor E. Frankl’s Man’s Search for Meaning endures because it bridges two domains rarely held together with such force: a harrowing eyewitness chronicle of the Nazi concentration camps and a concise exposition of a therapeutic philosophy—logotherapy—built on the conviction that the deepest human drive is the will to meaning.

Book Review: Man’s Search for Meaning by Viktor E. Frankl: Quick Read

First published in 1946, Man’s Search for Meaning is a profound psychological memoir by Viktor Frankl, an Austrian psychiatrist and Holocaust survivor. His unique perspective, shaped by his experiences in the Nazi death camps, adds depth and credibility to his insights.

The Road Less Traveled—10 Practical Lessons for Modern Life and Work- Complete Version

Peck organizes his ideas into four pillars—Discipline, Love, Religion (as a personal worldview), and Grace—and uses clinical anecdotes to illustrate how everyday people can transform their lives by living these principles. Below is a detailed, practical guide that translates his framework into ten actionable lessons you can apply at home, at work, and in your community.

The Road Less Traveled. Lessons in Real Estate Finance. “Life is difficult.” — M. Scott Peck.

Markets shift—insurance costs spike. Regulators rewrite the playbook. These are the challenges that real estate finance professionals face regularly.

The Origin of the Concocted Story.

The phrase “concocted the story” originates from the verb “concoct,” which initially meant to prepare by mixing ingredients, especially in cooking or medicine. Concocted stories have become mainstream today, particularly in government and legacy media.

Presidents and Vice Presidents Have a Habit of Inventing New Words, Misstating, or Creating Word Salads.

Donald Trump’s use of the word “bigly” became a viral talking point during the 2016 U.S. presidential debates. Even Archie Bunker constantly misstated the meaning of words.

Setting Up an Operational Manual for a Company’s Marketing and Promotion Efforts:

The objective is to provide a clear roadmap of the company’s marketing objectives, enabling associates, employees, and vendors to participate and contribute to the company’s success proactively.

Dan Harkey Master Educator | Business & Finance Consultant | Personal Growth Mentor

Dan Harkey Master Educator | Private Money Consultant | Personal Growth Mentor

AB-130: The New California Law that States That a Homeowner Association Fee Violation cannot be more than $100?

Abusive HOA practices: Some homeowner associations harass their property owners with continuous fee assessments for every little thing. The propensity is irritating and makes property owners feel like another big brother is watching and harassing them. The practice is abusive and creates a bureaucratic infrastructure that supports itself on the backs of homeowners.

Live Your Life for Today, not Yesterday. Yesterday was a Mere Memory. We Only Have Today and Tomorrow.

Time spent on bad memories of yesterday is wasted energy. Associate with people who share the same lifestyle goals for today.

What Event in One’s Life Causes Them to Make Significant Changes for the Better?

That pivotal moment or “spark” that causes someone to make significant life changes for the better often stems from a personal crisis, a profound realization, or a transformative experience. While the catalyst varies from person to person, here are some common types of events that tend to trigger such shifts:

Manufactured Culture: Power, Profits, Access, and the Illusion of Choice

A substantial share of modern culture is intentionally engineered—not only by governments and ideologues, but also, more pervasively, by profit-seeking media, corporate advertisers, and platform firms that shape what we see, how we communicate, and even how we spend our time. Yet culture is never entirely manufactured: it also emerges organically from audiences, creators, and communities.

Shaping Values, Morals, and Culture in the 1950s-1970s.

Most television serials and movies in the 1950s and 1960s were not just for entertainment but also served as a significant force in shaping public morality and family ideals. This was a period when the media’s influence was profound, and its role in reinforcing social norms was paramount.

An Overview of Cloward and Piven, Two Radical Left-wingers in the USA

Overview of Richard Cloward and Frances Fox Piven, their strategy, and why they remain controversial:

America at a Crossroads: Why Capitalism and Accountability Must Prevail

America stands at a defining moment. On one side lies the proven engine of prosperity—capitalism paired with individual accountability. On the other hand, a growing tide of collectivism and creeping socialism promises security but often delivers dependency and stagnation. The choice we make will shape not only our economy but the very character of our nation.

‘Trimming the Fat:’ Understanding the Metaphorical Usage

The idiom ‘trimming fat’ originates from the literal practice of butchering meat. Still, it has now been metaphorically extended to mean removing unnecessary or non-essential parts of something to improve its efficiency.

Public Nuisance Number One: The Federal Bureaucracy Of Non-Essential Parasites.

America’s most pressing threat to efficiency and fiscal health isn’t foreign adversaries or market volatility—it’s the entrenched bureaucracy operating inside its own government. These bureaucratic institutions, often shielded by powerful public-sector unions, have become a self-preserving machine that resists accountability and reform. The time for action is now. Come on, Trumpster, get busy.

If a Christian Professes Faith and Another Person Professes Another Faith, there is no Reason to Argue Which is Better or which God is Real.

Arguing over which faith is “better” or which God is “real” often leads to division rather than understanding.

When the power grid goes down for an extended period, how to survive and what actions to take

A prolonged power grid failure can disrupt nearly every aspect of modern life, so preparation and immediate action are crucial.

When The Electricity Goes Off: And the Inter-Connectivity of Utility Systems

Our utility systems are not isolated entities but rather intricately interconnected, forming a complex web that sustains our daily lives. Understanding this interconnectedness is not just crucial, but it also empowers us with the knowledge to be aware of and informed about potential disruptions.

How to Overcome Deep-Rooted Insecurities: With Self-Awareness, We Can Effectively Manage and Eliminate Them.

Overcoming deep-rooted insecurities is a gradual process that begins with self-awareness and self-acceptance. It involves mindset shifts and consistent practice. It’s crucial to understand that change takes time and to be patient with oneself as one embarks on this journey. Please share this article with someone who may find value in it.

Marxism and DEI: Overlap, Divergence, And What’s Really at Stake?

It’s a topic that’s both fascinating and complex, offering a rich ground for exploration. Let’s delve into it:

What happens when someone around you, an employer, a business associate, a friend, or your family, treats you like a jester, reflecting their hostility toward you?

A jester is a historical entertainer, most associated with medieval and Renaissance courts. Their primary role was to amuse royalty and nobles through humor, storytelling, music, juggling, and satire. Jesters often wore brightly colored costumes and a distinctive hat with bells.

Humor as a Weapon: The Psychology Behind Jokes That Hurt

Humor is often viewed as harmless fun—a means to bond, lighten the mood, and make life more enjoyable. However, humor can also be weaponized, becoming a subtle yet powerful tool for control, dominance, and even hostility. Unlike direct aggression, weaponized humor hides behind a smile, making it harder to confront. Let’s explore the psychology behind this phenomenon and how to recognize and respond to it.

Consumers are Encouraged to Pay Down Debt to Achieve Economic Freedom, While the Government Does the Opposite by Taking On More Debt and Accelerating Deficit Spending.

That causes the national debt to climb past $40 trillion, which is a public obligation. There is a critical contradiction: individuals are urged to reduce personal debt for financial stability, while the federal government expands deficit spending, pushing the national debt into unprecedented territory. Crossing $40 trillion would indeed be alarming because:

Moral Hazards in The GDP Calculation of Economic Growth

A moral hazard occurs when one party takes on excessive risk because they do not bear the full consequences of that risk—often because someone else will absorb the cost.

Fiat Currency Issuance and GDP

If the government creates fiat currency out of thin air that becomes the taxpayer’s debt and then spends it, is that economic growth, or a sham of growth?

Truth vs. Compliance: The Price of Non-Conformity

In a world that rewards mass compliance, critical thinking and truth often come at a cost: isolation. However, the intellectual stimulation and engagement that critical thinking brings are invaluable.

Choosing Between the Crowd and the Truth: A Practical Guide

In business and life, we often face a tough choice: Do we follow the safety of the crowd—or stand alone for the truth?

7 Strategies to Build Personal Power and Influence

Personal power isn’t about titles or authority—it’s about the ability to influence outcomes, inspire others, and maintain control over your own life. True power is a blend of internal strength and external perception. Here are seven practical strategies to help you build both.

Building Personal Power: From Inner Agency to Outward Influence

You shape the outcome, but others decide on your credibility and trust. They are the ones who determine if you have power.

Designing Business Feedback Loops for Sustainable Growth and Risk Control

Feedback loops—reinforcing (positive) and balancing (negative)—shape how businesses grow, stabilize, or stall. Reinforcing loops create flywheels that amplify momentum (e.g., reputation → demand → revenue → reinvestment → quality), while balancing loops impose constraints (e.g., capacity, risk, cash) to prevent runaway failure. In practice, both types interact, and time delays between cause and effect often produce oscillations and unintended consequences.

The Term “Police State” in U.S. Political Discourse

The concepts of the police state and police state overreach are not new. It has a long history. It may be layered in truth or used in a political context to harass the opposing party as though they are the culprit. Police, state, and government overreach go hand in hand.

The Subconscious Mind: The Hidden Engine Driving Personal Motivation

When it comes to motivation, our conscious decisions often take the spotlight: setting goals, making plans, and pushing ourselves forward. However, it’s the subconscious mind that truly drives our daily behavior, wielding an astonishing 95% of our actions. These are the patterns and beliefs that operate beneath our awareness. If we’ve ever found ourselves sabotaging our own goals or struggling to stay consistent, the answer likely lies in our subconscious. Understanding and harnessing this hidden power can put us in the driver’s seat of our own lives.

Ever Wondered What ‘Irrational Exuberance’ Means in the World of Finance and Beyond?

“Irrational exuberance” refers to unjustified or overly optimistic investor behavior that drives asset prices far beyond their fundamental value. In other words, it’s when enthusiasm and speculation in markets become detached from economic reality.

Systemic Barriers to Learning Critical Thinking in U.S. Public Schools: What to Do About Them

When was the last time we heard of one or more classes designed to help children function in society, such as business mathematics? How about classes that contain education on obtaining a job, budgeting, awareness of the business, and profit-motivated industries, as opposed to public financing, and where public funding comes from, taxation, hidden taxation, inflation, and the reduction of the purchasing power of their hard-earned dollars from their wages?

Irrational Exuberance Was First Used to Describe an Overly Optimistic Business Environment

“Irrational exuberance” refers to unjustified or overly optimistic investor behavior that drives asset prices far beyond their fundamental value. In other words, it’s when enthusiasm and speculation in markets become detached from economic reality.

Motivation Isn’t a Mood—It’s a System. Build It Like One.

When we discuss motivation, we often envision conscious decisions, such as setting goals, making plans, and propelling ourselves forward. However, the staggering revelation that up to 95% of our behavior is driven by subconscious processes—patterns and beliefs that operate beneath our awareness-opens a fascinating window into our minds. If we’ve ever wondered why we sabotage our own goals or struggle to stay consistent, the answer likely lives in this powerful, yet often overlooked, part of our mind.

Humor for Emotional Health: What Science Says

Humor is often described as “the best medicine,” but this isn’t just a cliché—scientific research increasingly supports the idea that laughter and humor play a vital role in emotional and physical well-being. From reducing stress hormones to improving cognitive function, humor is a powerful, evidence-based tool for mental health.

The Four Components of American Enterprise--interdependent—competing forces--and Why They Matter

The U.S. economy runs on four interdependent components: workers, consumers, government, and the Federal Reserve. Understanding their roles—and how they interact—helps explain both growth and volatility. This is a shortened version of an article of the same title.

The Four Interlocking and Competing Forces Driving—and Distorting---the American Economy—and Why They Matter

The U.S. economy is driven by four interdependent components: workers, consumers, government, and the Federal Reserve. Understanding their roles—and how they interact—helps explain both growth and volatility.

Debt Monsters-Credit Cards-Locked into A Spiral of Dread

The current state of credit card defaults is not just a concern; it’s alarming. We’re witnessing the highest rates in 14 years, a stark reminder of the 2007-08 meltdown.

Credit Card use can be beneficial. It can also become a curse to deal with. Consumer habits will dictate whether it is advantageous or a curse.

Credit cards can be powerful financial tools, but they come with both advantages and disadvantages.

Insurance Companies: Admitted vs. Non-Admitted

Here’s the difference between admitted and non-admitted insurance carriers in California:

How to Create a Set of Daily Action Habits that will Boost Productivity

Building a series of daily action habits for productivity works best when you combine clarity, consistency, and accountability.

The 80/20 Rule: How Empowering is the Application?

The 80/20 Rule (Pareto Principle) is highly applicable in productivity, but its effectiveness depends on how you implement it.

Hog Wild: What is the Origin and Meaning

The phrase “hog wild” is an American idiom that means acting in an unrestrained, reckless, or enthusiastic manner, often with a sense of going overboard or losing self-control. People and groups become crazy and excited.

Makers or Takers: America’s Crossroads

America was built on a foundation of self-reliance, innovation, and personal accountability. Yet today, we face a pressing cultural and economic shift: too many are being incentivized to become takers rather than makers. This isn’t just a financial problem—it’s a philosophical one that demands our immediate attention.

The Moral Hazard of Dependency: Why America Must Reclaim Self-Sufficiency

Moral hazard is a term often reserved for insurance and finance, but its most corrosive form may be cultural. It occurs when people take on more risk—or exert less effort—because they don’t bear the full consequences of their choices. In social policy, moral hazard emerges when systems reward dependency over self-sufficiency. The result is predictable: fewer people strive to stand on their own, and more people settle into reliance on others—whether government, employers, or family—without a plan to regain independence.

“Just Going Through The Motions:” Turning Employees Into High Engagement Dedicated To Achieving Company Goals: Management Guide

For every minute, every hour, and every day that employees maintain a state of non-productivity, a company bureaucracy and a counterforce to productivity are created. Hiring more of the same is not the solution.

Welfare vs. Entry-level Job Comparison in California:

How did the term entitlements and benefits become so ingrained in the public persona? We can work and pay taxes, or choose to go on the welfare system, tax-free

Sell the Sizzle, Not the Steak: How to Market Real Estate and Close More Loans Like a Pro

In the realm of real estate, facts are undeniably crucial—square footage, bedroom count, and location are all vital details. However, it’s not these facts that ultimately sell homes. It’s the emotions they evoke. This is where the timeless marketing principle of “Sell the sizzle, not the steak” comes into play. Instead of fixating solely on features, successful agents accentuate the experience, lifestyle, and emotional benefits that a property offers, tapping into the buyer’s emotional side.

1984 by George Orwell: Book Review

Published in 1949, George Orwell’s 1984 is a dystopian masterpiece that has become a cultural touchstone for discussions about surveillance, authoritarianism, and the fragility of truth. Set in a totalitarian state where the Party controls every aspect of life, the novel explores themes of power, control, and resistance in a world stripped of freedom.

The Jungle: The Novel That Changed America—and Why It Still Matters

When Upton Sinclair published The Jungle in 1906, his intention was clear: to expose the brutal exploitation of immigrant labor in America’s industrial cities. What he didn’t expect was that his vivid descriptions of unsanitary meatpacking practices would spark a national outcry and lead to the passage of landmark legislation. “I aimed at the public’s heart, and by accident I hit it in the stomach.” —Upton Sinclair

The Grapes of Wrath: A Timeless Portrait of Struggle and Solidarity

By John Steinbeck – A Review: When John Steinbeck published The Grapes of Wrath in 1939, America was still reeling from the effects of the Great Depression. The Dust Bowl had driven thousands of families from their land, and the promise of California as a land of opportunity lured many westward. Steinbeck captured this migration in a novel that is both a deeply personal family saga and a sweeping social critique. Eighty-five years later, its themes, which eerily resonate with our current social and environmental crises, remain hauntingly relevant.

Should Commercial Lenders Enforce the Due-on-Encumbrance Clause if a Borrower Records a PACE Loan?

Yes, a commercial lender can generally enforce a due-on-encumbrance clause if the borrower records a PACE (Property Assessed Clean Energy) loan, because:

List Hidden Taxation in the American Enterprise System

If there is any question about the top tax bracket being 70% or more, think again. Hidden taxes are the culprit.

Inflation as a “Hidden Tax”: What It Is, Who Pays, and Why It Matters

Economists have long referred to inflation as a hidden (or stealth) tax because it reduces the purchasing power of money without a vote or new legislation. Milton Friedman put it bluntly: “Inflation is a form of taxation without legislation.” He argued that it acts directly on cash balances and—through unindexed tax rules—quietly raises practical tax burdens as prices rise.

“Left Holding the Bag:” The Origin and Evolution

Early roots (Britain, 1600s–1700s). The ancestor of the expression was the British phrase “to give someone the bag to hold,” meaning to distract or abandon someone while others made off with the valuables—a figurative way of leaving a victim “in the lurch.” This phrase, which originated in the 17th–18th centuries in Britain, evolved to the modern usage of ‘left holding the bag’, with the focus shifting from the act of abandoning to the victim who is left with the unwanted burden.

The Power of Repetition: How Lies Become “Truth” and How to Fight Back

Propaganda, a potent force that thrives on a simple yet powerful principle: repeat a lie often enough, and it begins to feel true. This isn’t just a political tactic—it’s a psychological phenomenon deeply rooted in how our brains process information. Understanding why repetition works—and how to counter it—is not just important, but urgent in today’s media-saturated world.

Purpose-Driven: What Does It Really Mean

We hear it all the time: “I’m purpose-driven.” But what does that mean in practice?

Acres of Diamonds: How to Find Opportunity In Your Chosen Field

Suppose you’ve ever thought your big break lies in another city, another job, or another industry. In that case, Russell H. Conwell’s timeless message still rings true: “Your greatest opportunities are closer than you think.”

John Locke and his significant contribution to American democracy?

John Locke, a 17th-century English philosopher, made foundational contributions to American democracy through his political philosophy, particularly in his work Two Treatises of Government (1689). His ideas profoundly influenced the Founding Fathers and the drafting of key American documents, including the Declaration of Independence and the U.S. Constitution.

Church and Non-Profit Owners Can Now Unlock Hidden Value in California Real Estate Through Entitlement Arbitrage:

California’s evolving land use laws have created a rare window of opportunity for church and non-profit corporations. With the state now overriding local municipalities in the approval process, properties once constrained by zoning limitations can now be repositioned for high-density residential development—dramatically increasing their value.

“Send in the Clowns.” Origin and Meaning.

The phrase “send in the clowns” has both a literal origin and a figurative meaning that evolved:

For Zombie companies that do not have cash flow to sustain their business, they must issue more stock or borrow to keep operating. How does the ultimate collapse occur? Gradual, then absolute!

The collapse of a zombie company, a firm that cannot generate enough operating cash flow to cover its debt service and must rely on issuing equity or borrowing more, follows a predictable sequence of financial stress events. This predictability is crucial in understanding the systemic implications of such collapses.

"The Invisible Obstacle: How Secretive Bureaucracies Undermine Progress"

Many employees are so entrenched in their jobs as to create an aura of business activity without disclosing anything to the manager or the leadership. Sally has been with us so long that “I’m confident she is doing her job.” But Sally is deeply entrenched, while playing the quiet-quitting and quiet resignation. She is victimizing her company. This is particularly prevalent when affirmative action is part of the equation.

The Psychological Symbolism of Winnie the Pooh: A Cohesive Portrait of Personalities—and the Role of Tigger’s Exuberance

The world of the Hundred Acre Wood is a captivating casebook of human temperament. Each character, with their distinct emotional style or motivational tendency, contributes to a balanced ecosystem of traits. This intricate balance is a fascinating study in how differences in energy, mood, and control can clash yet also complement one another when guided by empathy and wise boundaries.

The 1998 Long-Term Capital Management Collapse was a Significant Event in Financial History that Warrants a Detailed study.

The shortcomings of financial leverage, computerized annualization, market hype, and moral hazards. A great read is the book “Conspiracy of Fools,” about the collapse of LTCM.

What is the Impact of Financial Leverage On Investment Yields? Understanding the potential benefits of financial leverage can be a game-changer for your investment strategy.

The impact of financial leverage differs significantly between stocks and real estate, primarily due to differences in asset characteristics, financing structures, volatility, and income generation.

The Distinction between truth and Illusion in American Politics: An Analysis of facts, Frames, and the Post-Truth Challenges.

In an era where the battle between objective facts and manufactured narratives is shaping American politics, understanding the difference between truth and illusion is more crucial than ever.

Police State, Tyranny, Authoritarianism, and Totalitarianism:

Understanding the Differences and Lessons for Modern Governance

The Social Security Trust Fund Illusion: What Americans Should Know

For decades, Americans have been told that the Social Security Trust Fund is a reserve of assets set aside to pay future benefits. In everyday language, “trust fund” evokes an image of money invested and waiting to be drawn down.

Three Billy Goats Gruff: The Significance

The Three Billy Goats Gruff is a classic Norwegian fairy tale first collected by Peter Christen Asbjørnsen and Jørgen Moe in the 1840s and later translated into English in 1859. It belongs to the Aarne–Thompson folktale.

Engagement Matters More Than You Think: The Hidden Driver of Productivity

Executives often focus on tools, generally technical, time management, and objectives and key results (OKRs). However, the key factor that consistently distinguishes ordinary performance from exceptional results is engagement.

Intrinsic Motivation: Why People Want to Learn, Work, and Excel Without Coercion

People do not need compulsion from the state—or any heavy-handed authority—to learn and get ahead. They need conditions that unlock the empowering force of intrinsic motivation: autonomy, competence, and relatedness.

Why Do Borrowers Choose Privately Funded Loans Over Bank Loans?

When banks say no, private lenders, in most cases, will say yes.

Eeyore from Winnie the Pooh: A Distinctive, Iconic Character of Dreariness, Sadness, and Hopelessness.

Eeyore is one of A.A. Milne’s most iconic characters, introduced in Winnie-the-Pooh (1926). He is an old, grey stuffed donkey who lives in the Hundred Acre Wood in a place called “Eeyore’s Gloomy Place: Rather Boggy and Sad.”

How connected is the USA to Israel?

The relationship between the U.S. and Israel is not just a bilateral alliance, but a unique and significant factor in global geopolitics. It stands as one of the most financially and politically intertwined alliances in the world, underscoring its exceptional nature--In terms of payments to, and in turn, Israel lobbying the U.S legislature for preferential treatment?

California’s Entitlement Feed Back Loop: When Good Intentions, Bureaucracy, and Market Reality Collide

California prides itself on protecting consumers, tenants, and communities. However, as “I’m entitled to some of yours” expectations harden into mandates, the machinery required to deliver on those expectations grows—rules multiply, compliance becomes a business line of its own, and costs cascade through housing, insurance, and everyday enterprise.

Why Mutual Cooperation Is Breaking Down—and What’s Driving It

For decades, commerce and civic life rested on an implicit social contract: cooperation and mutual respect.

John Stuart Mill’s Contributions to Freedom: Historical Context and Impact

“The only purpose for which power can be rightfully exercised over any member of a civilized community, against his will, is to prevent harm to others.”

John Stuart Mill: Historical Context and Enduring Impact

John Stuart Mill (1806–1873) wrote in the long shadow of the Industrial Revolution and the Victorian reform era—a period marked by expanding literacy, democratization, religious pluralism, and unprecedented social mobility, but also by entrenched hierarchies and intense pressure to conform.

Police State, Tyranny, Authoritarianism, and Totalitarianism: Understanding the Differences and Lessons for Modern Governance

Throughout history, societies have grappled with different forms of oppressive governance. While terms like police state, tyranny, authoritarianism, and totalitarianism are often used interchangeably, they describe distinct political realities. Understanding these differences is crucial for recognizing early warning signs in modern democracies.

How People Develop Their Frame of Reference—and Why It Matters in Business and Finance

Discover how frames of reference shape decision-making in business and finance. Learn the key factors that influence perspectives and why understanding them is critical for success.

W. Edwards Deming: The Architect of Modern Quality Management

W. Edwards Deming (1900–1993) was a statistician, engineer, and management visionary whose ideas transformed global industry. Best known for his work in post-war Japan, Deming introduced principles that shifted quality from an inspection-based activity to a management-driven, systemic process.

Joseph Juran and the Pareto Principle: How 80/20 Thinking Transformed Quality Management

Joseph Juran, a pioneer in quality management, introduced the transformative power of the Pareto Principle—the idea that a small number of causes often account for the majority of effects.

From “Ta Biblia” to “Holy Bible”: The Evolution of a Sacred Name

The phrase “Holy Bible” is so familiar today that it feels timeless. Yet, the name we use for Christianity’s foundational text has a long and fascinating history, shaped by language, culture, and theology. Here’s how the term evolved from ancient Greek scrolls to the English title we know today.

The Dr. Zhivago Effect In California

Many of us are old enough to remember the classic novel Dr. Zhivago, completed in 1956 by Boris Pasternak, a Nobel prize-winning masterpiece…The 1966 film adaptation of the story went on to win six Academy Awards. It is a romantic drama set in historic Russia between the years before World War I and the Russian Civil War of 1917-1922…

The Role of Labor Unions and Factory Committees in the 1917 Russian Revolution

History has a propensity to repeat itself, while each generation of participants possesses no knowledge of the past. This is by design, and the system of government bodies that benefits from keeping its population ignorant. That was prevalent during the Russian Revolution of 1917. Look around today, and we will find that the average person is entirely ignorant of history and the way the economic engine of America works.

Mitigation Plan for Pesky Rabbits In the Yard Eating Your Plants and Lawn, While Leaving Evidence Through Constant Excrement Droppings

Here are some practical and humane ways to get rid of rabbits in your yard:

The Alarming Scope of Elder Abuse in the United States: A Hidden Epidemic

By any measure, elder abuse in the United States is a public health and public safety crisis hiding in plain sight. As America ages—older adults will comprise roughly 23% of the population by 2050—the frequency, severity, and cost of abuse are rising, while reporting remains stubbornly low. That combination makes elder abuse both widespread and chronically undercounted.

The Alarming Scope of Financial Elder Abuse- Part II

According to the National Adult Protective Services Association (NAPSA), only 1 in 44 cases of financial elder abuse is reported. Victims of financial exploitation are three times more likely to die and four times more likely to enter a nursing home without sufficient funds.

Practical, Evidence-based Ways to Mitigate Internal Body Inflammation:

Inflammation is telling us that it is involved in the process of recognizing and removing harmful and foreign stimuli, as well as potential disease-causing substances. The process is part of our body’s defense mechanism.

Lies, Damned Lies, and Statistics: The Origin, Evolution, and Real-World Lessons

The phrase “lies, damned lies, and statistics” is not just a cultural shorthand for skepticism toward data-driven arguments, but a powerful reminder of the potential for manipulation in numerical data. How would we feel if we realized that government statistics were one giant reservoir of lies and misstatements? So, what do you think?

How to Win Friends and Influence People

How to Win Friends and Influence People by Dale Carnegie is a classic self-help book focused on improving interpersonal skills, building relationships, and becoming more persuasive and influential in both personal and professional settings.

The Power of Positive Thinking: A Practical Guide to a Resilient Mindset You Can Start Using Today

In a world increasingly defined by uncertainty, stress, and rapid change, the ability to maintain a positive outlook is more than just a feel-good mantra—it’s a strategic advantage.

Systemic Ignorance: Why So Many Americans Know So Little History—and Whether It’s by Design

If people remain ignorant from one generation to the next, then change and exploitation can easily be introduced. Each subsequent generation remains unaware of the preceding generations and only holds a frame of reference of their current generation. Manipulation and exploitation are easy because people know no difference; Ignorant people think that is the way it has always been.

How to Spot Manufactured Illusions: A Practical Guide (with Real World Examples)

Manufactured illusions don’t usually look like lies. They feel true, familiar, emotionally satisfying, and endorsed by sources we trust, or that we foolishly trust. That’s by design.

The Illusions That Shape Our Daily Lives

We like to believe what we see in the world. Much of what we accept as “truth” is built on illusions—mental shortcuts and comforting beliefs that help us navigate complexity

Seven Illusions That Shape Our Business and Finance Decisions

In the world of business and finance, certainty is a rare commodity. Yet, to make decisions, leaders often rely on assumptions that feel like facts—but are, in truth, illusions. These illusions provide comfort and simplify complexity, but when reality intrudes, they can lead to catastrophic missteps.

The Comfort of Illusions: Why Americans Mistake Stories for Truth

In today’s America, politics is less about governing and more about storytelling. Facts still exist, but they compete with something far more seductive: illusion narratives crafted to feel true, even when they aren’t. This seductive nature of illusions is what draws so many Americans into accepting them as reality. The answer to this puzzle lies in psychology, identity, and the architecture of our media ecosystem.

History of Manufacturing Consent: Edward Bernays

Edward Bernays was absolutely a propaganda specialist, though he preferred the term “public relations” after World War I because “propaganda” had developed a negative connotation.

Has the censorship complex, big tech, big media, and big business subsided or accelerated under President Donald Trump

Under President Donald Trump’s second term, the influence of the “censorship complex,” involving Big Tech, Big Media, and Big Business, has decelerated.

Is Affirmative Action Marxist? Separating Myth from Reality

Few topics spark as much debate as affirmative action. Critics often claim it’s rooted in Marxist ideology. But is that true—or just a convenient talking point?

Entrenched Bureaucracy and Legislative Burden: A Compounding Threat to Profitability in California’s Real Estate and Insurance Markets

Bureaucracy, onerous laws, and regulations are the economic cancers that continue to metastasize, inflicting severe damage to organizational efficiency and profitability.

What’s Killing Your Profitability?

10 Hidden Counter Forces (with Practical Examples, Metrics, and Fixes)

Understanding Family and Friendship Breakdowns in Polarized Times: Identity, Ideology, and Estrangement:

In an era of heightened ideological polarization, families across America are grappling with a painful reality: loved ones becoming so radicalized that they reject facts, embrace illusions, and sever ties with anyone who disagrees.

The Core Tenets of the Christian Faith: Doctrine, History, and Scripture

From its earliest days, Christianity has centered on a shared confession: one God, revealed in Jesus Christ, present by the Holy Spirit, saving humanity through the cross and resurrection, and gathering a people called the church

Personal Sovereignty and Christian Faith

Reconciling Personal Sovereignty with Commitment to Jesus

The Second Amendment to the U.S. Constitution, ratified in 1791 as part of the Bill of Rights, reads:

“A well-regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.”

The Structural Shift in Remote Work Since COVID-19, and What Comes Next

COVID-19 has transformed remote work from a niche perk to a mainstream operating model. This structural shift, after a sharp pandemic spike and a partial retreat, has now stabilized at a new equilibrium—sector-specific, skill-weighted, and globally uneven.

Does the Bureau of Labor Statistics Lie for Political Gain or Desired Propaganda to Further Their Agenda and Ideology?

The history of the Bureau of Labor Statistics provides false statistics, then revising them later as a propaganda ploy or political ploy. The BLS routinely overestimates or underestimates when it is politically expedient, and revises when it gets caught.

Once a Biker Chick, always a Biker Chick

The kids said, Give it up. No, I was made to disrupt. With every mile, my soul takes flight— I'm the queen of the highway, chasing the night.

California Property Inflation and Insurance Stress: Multiple-Torpedoed-Whammies Against the People and Private Property Rights.

California is experiencing a multitude of counter-economic forces that undermine the dream of homeownership and significantly add to the stresses of current property owners and renters alike.

The Rise of Techno-Surveillance in America: Urgent Need for Privacy in the Age of Data

The American Way of Life depends on The People Continuing to Accept Mass Illusions To perpetuate the Culture and The Economic Systems, including 24/7 surveillance.

Fiat Currency and Inflation Cycles: Understanding the Definition and Connection

Fiat currency—money that derives its value from government decree (force) rather than a physical commodity—has become the foundation of modern economies. While it offers flexibility and efficiency, it also introduces a critical vulnerability: the potential for manipulation, inflationary cycles, and deflationary cycles.

All About Fiat Currency:

Fiat currency plays a central role in inflation because it gives governments and central banks the ability to control the money supply.

The Future of Money: From Dollar Dominance to a Multipolar Currency World

The Life and Times of Elvis Presley: The Undisputed King of Rock and Roll

Why Bureaucracies Keep Growing (Even When There’s No Productive Work Or Action Items To Be Accomplished)

C. Northcote Parkinson nailed it back in 1955:

Parkinson’s Laws - About Personal And Organizational Structure

C. Northcote Parkinson: Timeless Insights for Modern Business

American Graffiti, a Movie that left an indelible mark on our culture, particularly for those of us who are more mature, is an iconic piece of cinematic history.

As a junior teenager, I found myself living every minute of American Graffiti. From the car hops on roller skates to the thrill of cruising to show off your car and your chick, it was a world I was a part of.

“Go Ahead, Make My Day”: Why Dirty Harry’s Lines Still Hit Hard

Few movie characters have carved their way into pop culture like Inspector Harry Callahan. From his debut in Dirty Harry (1971) to his final bow in The Dead Pool (1988), Clint Eastwood’s no-nonsense cop gave us some of the most quotable lines in cinema history. These weren’t just tough-guy one-liners; they were cultural markers of an era wrestling with crime, justice, and authority.

All in the Family Will Never Be Forgotten: Archie and Edith Bunker Will Never Be Forgotten.

Carroll O’Connor and Jean Stapleton, with their unparalleled comedic talent, brought to life the iconic characters of Archie and Edith Bunker. Their masterful portrayal of ignorance and bigotry, playing off each other, was a key element in the show’s enduring appeal.

Keep The Change You Filthy Animal!

Catchy phrases can be a lot of fun when used in the context of jabbing a friend, just as a form of simple humor. Many fun phrases are derived from past movies or novels, lending them significant cultural history.

The Great Transformation: Transforming Ourselves, Our Country, and Our Way Of Life.

The primary transformation is about ourselves, as we learn and adapt to the rapid changes around us.

How Bad Is the Office Property Glut Today?

The U.S. office market is still facing a significant glut, though there are signs of gradual improvement.

Idioms: Learning about idioms is not just an exercise; it’s a fun journey into the cultural history of language.

Idioms are not just linguistic tools; they are cultural treasures that carry the vivid imagery and history of a society. Here are 20 of the most significant idioms, each with its own unique story and cultural significance:

Identity, Ideology, and Estrangement: Understanding Family and Friendship Breakdowns in Polarized Times

In an era of heightened ideological polarization, families across America are grappling with a painful reality: loved ones becoming so radicalized that they reject facts, embrace illusions, and sever ties with anyone who disagrees.

When ideologies become so radicalized that the participant will falsify any illusion to defend their beliefs?

When someone’s ideology becomes so radicalized that they will believe any illusion to defend their beliefs, several psychological and social dynamics are often at play. Radicalization may manifest in the form of extremist views on the world in general, financial pressure, family pressure, politics, and religion.

The Alarming Scope of Financial Elder Abuse

Elder financial crimes account for an estimated 20% of $73 trillion in assets held by older Americans—approximately $14.6 trillion misappropriated or stolen. To put this in perspective:

Financial Elder Abuse in Real Estate Lending: A Cautionary Tale

According to the National Adult Protective Services Association (NAPSA), only 1 in 44 cases of financial elder abuse is reported. Victims are three times more likely to die and four times more likely to enter a nursing home without funds. With an estimated $14.6 trillion at risk, vigilance is critical.

Earners (Workers Who Pay Taxes) vs The Non-Productive (So-Called Bureaucratic Worker) Class and The Parasitic Takers Who Produce Nothing But Expect Everything as an Entitlement.

It’s a question of profound significance. It delves into economic productivity, social policy, and cultural values, making it a topic of great interest and relevance. Who earns, pays taxes, and contributes to the economic engine of the U.S., and who are merely takers who subsist while exploiting the productive people? I intend to exclude those who are genuinely in need of help because of age, mental, or physical handicaps.

Milton Friedman, Most Influential Economist in the 20th Century.

Milton Friedman (1912–2006) was one of the most influential economists of the 20th century, renowned for his strong advocacy of free-market capitalism and his foundational contributions to the development of monetarism. His ideas continue to shape modern economic policies, making him a significant figure in the field.

The Seemingly Smart Borrower Refuses to Pay for Adequate Property Insurance

Fools Rush in Where Wise Men Never Tread

Who is Howard Roark from the Novel, The Fountainhead?

Howard Roark is the protagonist of Ayn Rand’s 1943 novel The Fountainhead. He’s a fiercely independent and idealistic young architect who represents Rand’s philosophy of individualism and creative integrity. Roark is known for his uncompromising commitment to his own architectural vision, refusing to conform to traditional styles or societal expectations.

The Smoot-Hawley Tariff Act of 1930: Part II

What are the economic and geopolitical consequences of raising tariffs today as compared to 1930

“Who is John Galt?”

Who is John Galt?” This enigmatic question, immortalized in Ayn Rand’s novel, Atlas Shrugged, published in 1957, serves as a poignant expression of despair and confusion in the face of societal decline and bureaucratic overreach.

The Smoot-Hawley Tariff Act of 1930: Part I

The Smoot-Hawley Tariff Act, officially known as the Tariff Act of 1930, was a U.S. law that raised import duties on thousands of goods to protect American businesses and farmers during the Great Depression. Sponsored by Senator Reed Smoot and Representative Willis C. Hawley, it became infamous for its unintended economic consequences, serving as a cautionary tale against hasty policy decisions.

When Clouds Are Seeded, The Weather Is Impeded

Seeding clouds can bring rain, and sometimes too much rain, causing material damage and loss of life.

AB-1893, California: Builder Remedy

Here’s a comprehensive summary of California Assembly Bill (AB) 1893, which significantly reforms the Housing Accountability Act (HAA) and its Builder’s Remedy provisions, effective January 1, 2025:

Streamlined approval process to accelerate housing development (California).

In California housing legislation, a streamlined approval process—often referred to as a streamlined ministerial approval process—is designed to accelerate housing development by removing discretionary barriers and simplifying local review procedures.

Why Should the State of California Require All Above-Ground Electrical Lines to Be Replaced with Underground Lines?

Having electrical lines underground offers several key benefits, especially in terms of reliability, safety, and aesthetics. Here’s a breakdown of the main advantages:

The concept of benchmarking and how critical thinking contributes to its success

Benchmarking is a strategic process used in business, economics, and management to measure an organization’s performance against industry best practices or best practices from other sectors. It helps identify areas for improvement, set performance goals, and drive innovation.

Critical Thinking Has Deep Historical Roots:

The concept of critical thinking has deep historical roots, but it was Socrates (469–399 BCE) who is widely credited as one of its earliest pioneers. Through the Socratic method, he encouraged questioning assumptions, examining beliefs, and seeking clarity through dialogue—principles that are foundational to critical thinking today.

When Political Ideologies Become Warfare Against the People

Warfare against the people is a powerful and timely concept. It suggests a moment when political systems, originally intended to serve and represent the public, instead become tools of control, coercion, or oppression.

Henry David Thoreau’s Life and Major Works

Thoreau was one of America’s originalists and no conformist. From refusing to pay a poll tax to spending two years alone on Walden’s Pond, his super famous essay, "Civil Disobedience, reflects profound thinking and reasoning. Any enquiring critical thinker and non-conformist will want to explore this world-class historic character.

Henry David Thoreau’s Life and Major Works

Thoreau was one of America’s originalists and no conformist. From refusing to pay a poll tax to spending two years alone on Walden’s Pond, his super famous essay, "Civil Disobedience, reflects profound thinking and reasoning. Any enquiring critical thinker and non-conformist will want to explore this world-class historic character.

Peter Drucker: The Father of Modern Management

Peter Ferdinand Drucker (1909–2005) is widely regarded as the father of modern management. His pioneering work laid the foundation for contemporary management theory and practice. This essay examines Drucker’s biography, key contributions, influence on both the business and nonprofit sectors, and his enduring legacy.

Ernest Renan, a Great Philosopher, Historian, and Scholar of Religious Faiths

Renan was considered one of the greatest intellectuals in history, particularly in his studies of religion. His name and writing should be brought up more frequently due to his profound perspectives. His writings are memorable to any reader, providing insight into the origin and purpose of religious faiths.

Ralph Waldo Emerson: A Brief Overview Of A Great American Intellectual

Ayn Rand vs. Adam Smith: A Philosophical Comparison of Self-Interest

Ayn Rand’s many books are a preferred go-to for accumulating knowledge of self-interest, self-sufficiency, and one’s contribution to society. Her view is that by prioritizing self-interest, humanity as a whole will be better served. Adam Smith referred to this concept as the invisible hand.

The History of Self-Sufficiency and Individual Accountability

In America, we seem to have lost the supreme values of self-sufficiency and individual accountability, replacing them with collectivism and entitlement, where no one is held accountable. Our society has become a free-for-all frenzy without consideration of the long-term effects.

The Disintegration of Societal Foundations: A Critical Examination

The Power of Benchmarking as a Necessary Component Of Success

Benchmarking every task and project is not just a routine, but a crucial practice for continuous improvement. It helps in identifying opportunities for efficiency and informs data-driven decisions. This process provides an objective, reality-based view of performance, allowing you and your team to move past assumptions and guesswork.

Benchmark Each Task to Maximize Results in Terms of Time and Effort.

In the context of evaluating various jobs, benchmarking is a crucial process that allows you to compare the duties, responsibilities, qualifications, and compensation of specific jobs against a standard or reference point. This reference point often plays similar roles in other organizations or industry norms. By doing so, you can ensure that your job roles are competitive, fair, and aligned with industry standards, which is essential for attracting and retaining top talent.

The History of Social Engineering

The U.S. government is deeply intertwined with broader global trends in governance, psychology, and public relations. The term “social engineering” may conjure images of manipulation or control. Still, its application in the U.S. has a rich history, ranging from public health campaigns to education and economic policy. It’s similar to obedience training.

The 10th Amendment to the U.S. Constitution, ratified on December 15, 1791, is part of the Bill of Rights.

The 10th Amendment is necessary because it clearly separates the powers and authorities of the Federal and State Governments.

The Federal Supremacy Clause is found in Article VI, Clause 2 of the United States Constitution.

It establishes that the Constitution, federal laws, and treaties made under its authority are the supreme law of the land, overriding any conflicting state laws.

Temperance: The Virtue of Self-Control

Temperance is one of the classical cardinal virtues, often defined as moderation in action, thought, or feeling. It involves: Self-restraint, balance, and discipline.

How Many Different Ideologies in America Rise to The Level of a Political Force of Dominance?

In the United States, many political ideologies have become dominant or influential forces in shaping policy, public discourse, and electoral outcomes. While the two-party system (Democratic and Republican) tends to obscure the diversity of thought, many more ideologies are widely recognized as having significant political influence:

Strategic Investment Opportunities

How Private Money Lenders Enable Success Where Banks Hesitate

A Chorus of Personal Liberty

People experiencing poverty and the middle class beat their drums, A chorus rising—“This freedom is all that comes.”

The Poor and the Middle Class Beat their Drums—

A chorus of voices crying, “We are as free as we’ll ever be.”

“Tip of the Iceberg”: Overview, Origin, and Usage

A popular idiom, "Tip of the iceberg," refers to the portion of something immediately apparent, which obscures the deeper complexity (i.e., the underwater portion of the iceberg) of the subject being discussed.

California’s Centralized Development Approval Process: A Shift in Power

A state-level bureaucracy has taken over the development approval process, leaving local municipalities with only ministerial approval rights, subject to the state standards.

Some Folks Are So Gullible That They Fall for Every Scam Hook, Line, And Sinker

Hook, line, and sinker is a fun idiom first referenced in 1865 in print form.

Our Dilemma in Life and Learning about Those Who Lie: From Coercion or Conviction?

It’s a widespread and distressing trend: in some cases, up to 90% of college students feel they must provide false feedback to their professors. This is not just to avoid being labeled as adverse to the ideological leaning and indoctrination of their professors, but to protect their academic future.

Why Do We Tolerate Government Gaslighting?

From inflation metrics that understate the rising cost of living to wage statistics that don’t account for income inequality, the American public is routinely fed distorted data. The illusion of transparency is just that—an illusion. Behind the curtain lies a pattern of manipulation that critical thinkers must confront.

Why Are So Many Calling for a Federal Rate Cut?

The Federal Reserve’s interest rate policy is a powerful tool that influences the direction of the U.S. economy. Calls to decrease interest rates have grown louder, especially from sectors hoping to stimulate growth and boost investment. However, this approach is not without risks—particularly for the middle class.

The Great Stall of 2025-26

Far too many indicators are alarming, including move-up and move-down real estate purchases, mobility in job hunting, and technology replacing a significant number of employees, leaving too many unemployed without adequate new job prospects. The cleverly concealed inflation is not just a cause for concern but a ticking time bomb, and the emotional feeling of endless stagnation is a pressing issue that demands immediate attention.

When He Came Out of the Closet, his beliefs constituted a Radical ideological transformation of America, His Goose Was Cooked.

“Goose is cooked” is a fun idiom that originated from a 15th-century story about a man, Jan Hus, a Czech priest, who was burned at the stake for heresy. It means that someone has strayed and found serious trouble in the land of hopelessness. In the Land of ordinary citizens, he stood out as a reactionary with a radical departure from all prevailing cultural norms.

Institutional Theft: The Systematic Transfer of Wealth from Ordinary Taxpayers to The Elites.

The people are kept busy through entertainment outlets and through continuous propaganda to ensure the status quo. The process occurs repeatedly with only minor grumbling by the people.

What happens when corporations try to manipulate consumer purchasing habits?

Manufacturers must understand and meet their purchasers' needs. When this understanding is lacking, it can lead to misallocation of assets, resulting in losses for the manufacturer and a lack of customer satisfaction and confidence in the brand. U.S. corporations have a long history of creating public relations crises, often due to this very reason.

Honey, I handle the business in the family, and I didn’t think it made any difference.

Silence is not always golden when the consequence is alienation from your spouse; lonely days and lonely nights are forthcoming. Distrust and hostilities in future dealings are a sure thing.

Caution, Zombies Ahead: Enter at Your Risks?

The experience may be devastating, the outcome full of chaos, and the emotional aftermath will be long-lasting. Be fully aware of the potential dangers that may lurk ahead; an ambush may be lying in wait.

His Son Is A Bump on a Log: He Referred His Son For Employment. What a Mistake for Unsuspecting Employers.

My friend asked me to hire his unmotivated and uncaring son as a personal favor to him. The son's attitude is a product of family upbringing and today's public education establishment that promotes entitlement and collectivism, rather than individual accountability and self-sufficiency. I declined.

When people asked me for advice on achieving success, I was more than willing to offer it. Here is my advice.

Unsolicited advice to others is a waste of resources, which irritates those who didn’t ask for it. But when people ask for your advice, be charitable.

The U.S. as the World Reserve Currency Status Holder

The U.S has been the world reserve currency holder since 1944, but can it last? Currently, there are major competing forces, including BRICS, which was initiated by China, Russia, India, Brazil, and South Africa, that now boast 22 applicants to become members. This is a giant international socio-economic cosmic shift in power dynamics.

Appraisers' Opinions of Values: All Are Not Equal

Some Appraisal Reports Are Useless

McMansion Blues: In Many Cases, The Transition Is Not Worth the Hassle

Inflationary Pressures Have “Come Home to Roost,” Where the Rising Cost of Property Taxes, Property Insurance, Association Dues, Capital Improvements, and Maintenance, added together, in Many Cases, Is More Than the Property Loan Payment, if there is one.

The War on Political and Cultural Marxism Is Alive, Ongoing, But Has Been Substantially Weakened. Total Victory of Annihilation is Within Reach. With Continuous Successful Efforts, We Continue to Slay This Dragon.

Why: The Dems are in compliant submission, and the Repubs are Feckless: The Repubs lack purpose, without practical skills, ineffective, incompetent, subversive agendas. The army of ordinary people must fight back against the entire system to regain their culture of freedom and democracy.

As the Public Discovered That The Response to COVID-19 was a Fraud, and wearing the Mask Was A Political Statement, Gaslighting was the Government’s, Large Corporations’, and Big Pharma’s Answer to Avoiding Responsibility

Gaslighting is “psychological manipulation,” causing the public to question their reality about the effectiveness of the phony vaccine. They relied on “phony, illusory science” because most of the testing was on mice, not human beings. The reality was that the phony vaccine was a gene-modifying mRNA substance.

Ideological Zealotry Has Replaced Critical Thinking

Empower yourself with critical thinking, a tool that enables you to examine facts, opinions, propaganda, and illusions skeptically. It's your key to determining the most likely outcome and discerning truth from propaganda.

Shoplifting begets financial losses for the business owners

Financial losses render the business unprofitable, and therefore, there is no motivation to continue operating.

Wimpy, Buy Now, Pay Later! A Lesson in Government Spending

Like Wimpy, who practices getting things today and deferring payment until later, the government subscribes to the same principle.

Honey, We Both Have Professional Level Jobs and Earn About the Same

When we return home, the lion's share of household chores falls on my shoulders, while you're comfortably seated on the couch.

How To Reinvent Ourselves, Part II

When Failures Are Within Our Control

Systemic Failures Outside Our Control: Part I- Reinventing Ourselves

How To Respond When Systemic Failures Are Outside Our Control

Legacy Media as an Arbiter of Truth Is Dead, and No Time Too Soon

Since the days of Edward R Morro, the media has served as an establishment propaganda arm. Their pay was power, access, and advertising dollars while they sold out the American public.

Treating Others with Dignity and Respect Starts With Us

A peaceful coexistence with others is part of our cultural heritage, encompassing interactions with nature, government, institutions, businesses, personal relationships, strangers, and our beloved pets.

SB-549: We Could Have Guessed That This Was Coming:

The California government, using taxpayer dollars, gets into the development game in the Palisades and Eaton fire rebuilding efforts.

When I Was Much Younger, Having Differing Opinions was a Minor Irritation.

You jabbed at friends who thought differently, suggesting they had inferior intelligence or were uneducated, laughed about it, and had a beer together, essentially getting on with life as it should be.

A Text Message Arrived on His Birthday From the Kids, “Hi, Dad, Just wanted to Wish You a Happy birthday. See You Later!”

No update on the kids, no mention of the grandbabies, no pictures, and no reinforcement proving the strength of family ties. Dad’s heart sinks and suffers a big thud, with a feeling of disappointment, depression, and isolation.

To “Skate by” Means Sliding by Without Doing Any Visible Work or Spending any Effort.

Have you met people who accomplish little, make little, or no progress, but seem to meander through life and appear as normal?

Artificial Intelligence (AI) is not an unbiased arbitrator of information

The compilation of codes is written by people who are biased and have ideological leanings.

The California Legislature Has Created Monster-Sized Barriers to the Foreclosure Procedure: The Results Constitute a Marxist/socialist Reset, are Now a Matter of Law.

Understanding the nuances of non-judicial and Judicial Foreclosure states is not just important, it's empowering. Each state has its unique procedures and regulations, and grasping these can give you a significant advantage in navigating the foreclosure process.

Welcome to The Friendly Town of Successville

Welcome to Successville, a satirical take on a society obsessed with negative connotations and warnings.

A Dripping Downslide, Cautioning Potential Buyers to Stay Out Of The Housing Market

Drip, Drip, Drip, a Very Sustained Slippage of Buyer's Interest to Take the Plunge to Purchase Owner-Occupied And Investment Properties.

A Friendly and Professional Relationship with Lenders is Essential if a Practitioner Desires to Build a Long-term, Sustainable Career.

Mortgage Brokers Should Not Show Signs of Anger, as It Is Usually a Sign of Desperation

California: Random vs Non-random Events.

There are no random events in California. Dark forces tightly control everything. We are not allowed to question or obtain an entry pass to the elite club.

Eliminate Time Wasters in Personal Life and Business

A Good Percentage of Our Days is Spent Flittering Around Without Getting Results: The question remains, why?

Have you ever found yourself in a situation where guests or relatives seem to prolong their stay? It's a familiar scenario that many of us can relate to.

Every visit follows a distinct pattern. It begins with a joyful phase of catching up and strengthening the relationship, then transitions into a phase where the guest or relative starts to feel at home in your space.

How Important Are The “5-C’s” in Credit Approval Decisions

The credit approval process is characterized by industry standards, best practices, related litigation references, and regulatory requirements from both state and federal levels.

The California Legislature allows the State to live with a backdrop of Marxist corruption.

“Los Angeles is one of countless examples of how the public sector will virtue signal to rob Peter, not to pay Paul, but to pay themselves, as they are not hiding the corruption.”

Empower Yourself: Are We Surrounding Ourselves with Positive, Kindred Friendships?

Individuals around us exhibit diverse attitudes and behavioral patterns. We may fit into one or more ourselves. Make sure, they are positive cohorts?

All Governments Have the Propensity of Robbing Peter to Pay Paul

All governments, from democracies to dictatorships, employ organized and systemic redistribution to maintain power. This is evident in the allocation of government funds, tax policies, and social welfare programs, all of which are designed to maintain the status quo and prevent social upheaval.

AB-130: How it Damages Subordinate Financing in California, for Residential Property

AB 130 was signed into law by Gavin Newsom on June 30, 2025

The more we learn about the habits of others, the more effective we will become in our personal and business lives

There is great value in determining who to associate with and who to avoid: Some relationships are better left alone

Actions, Attitudes, and Behavior Patterns

The more we learn about the habits of others, the more effective we will become in our personal and business lives

When I tried to Reach Out to him, it Felt Like I Was Hitting a Brick Wall. Open Communication Seemed Impossible.

We often find ourselves amid challenging situations, where miscommunication acts as a formidable barrier. It's like being trapped in a maze, with no visible escape route.

What's the Difference Between Ignorant, Ill-informed, and Just Plain Stupid People?

Pondering this question makes little sense, but it is a fun exercise, all in the name of simple humor.

I’m as Mad As Hell, And I’m Not Going To Take This Anymore

The classic movie Network (1976) was a satirical drama film that had far-reaching implications about the American Enterprise.

A Borrower Operates With Very Little Skin in the Game, Trying To Maximize Profits

Maximum Leverage May Be Beneficial To The Borrower or May Be Used to Transfer the Developer’s Risk to the Lender

How has our approach to fashion transformed from the structured elegance of the 1950s to the current era of relaxed and individualistic styles?

Would you call today's version the relaxed fit or the unkept, non-conforming and a messy fit?

SB 1079: Modifies The Foreclosure Procedure of Residential 1 to 4 Properties In California

Another Monstrocrity law on the books modifies the foreclosure procedure. It serves to remove protective equity rights from trust deed investors and lenders, transferring the financial benefits to a special class as dictated by the regulation.

When I Line Up Three Ordinary People Who Have Similar Characteristics And Lack Distinctions, What Do I Get

Just Another Tom, Dick, and Harry

Real Estate Bubble or No Bubble: Let's Look Back at 2007 and the Mother of All Economic Crashes.

May 2010: Warren Buffett- “Very, very few people could appreciate the bubble,” which he called a “mass delusion” shared by 300 million Americans.

AB-2424: The California Legislature Has Passed Another Monster Law, Making It More Difficult To Foreclose On 1-4 Residential Units

AB 2424 is another law full of financial traps for lenders because it delays foreclosures, by extending the foreclosure period almost, almost, but not quite, idefinitely.

We're like two peas in a pod

This idiom refers to friends or people in general who are very similar in appearance, behavior, character, values, and ideologies.

Let’s Get Out OF Dodge, restated, Let's Get Out Of California

This famed idiom is used to suggest leaving uncomfortable places. Alternatively, staying may result in dire consequences.

Frankly, My Dear, I Don’t Give A Damn

Tell Someone You Were Close To Exactly How You Feel When The Relationship Turns From Intimacy To Disgust.

Rosie The Riveter And The WWII Propaganda Campaign

Rosie, a fictional symbol for women in the workforce, was a significant figure who stood for women’s independence and played a crucial role in history.

Propaganda is as American As Ice Cream and Apple Pie

Since the emergence of Edward Bernays in the early 20th century, the role of propaganda specialists has been a significant one. This role, rooted in history, continues to shape our present and will likely persist into the future.

Louie, I Think This Is The Beginning Of A Beautiful Friendship

Casablanca (1941), a cinematic masterpiece featuring Humphrey Bogart (Rick Blaine) and Ingrid Bergman (Ilsa), is a captivating blend of romance and political intrigue. Its unique narrative and compelling characters make it a timeless classic.

Bad Bots: The Overwhelming Force Behind From 50% To 73% of Internet Traffic

Before you get excited about all your efforts and capital outlay to create an effective marketing platform and reach thousands of people per day, think again.

Round Up the Usual Suspects

This phrase originated in the 1942 film Casablanca, where Captain Renault ordered his subordinates to round up familiar pawns after Major Strasser was shot.

A Young Asian Women Keeps Bugging Me To Connect On Facebook? Her Name Is “Ho Le Fook.”

Am I That Special, Charming, Gorgeous, Masculine, Desirable, A Real Hunk?

Life Of A Self-starter: A Lifelong Journey

Self-starters are purpose-driven, intrinsically motivated, action-oriented, and demand to get things done.

Life Of A Self-starter: A Lifelong Journey

Self-starters are purpose-driven, intrinsically motivated, action-oriented, and demand to get things done.

This Is Not My First Rodeo

This Idiomatic Expression Suggests That Someone Has A Great Deal Of Experience In A Particular Subject Or Activity

Too Few Jobs And Too Few Qualified Applicants (2025)

Following World War II, numerous job opportunities were available in both the manufacturing and the service sectors.

Building Social Capital Through Personal Branding & Self-promotion

The Shifting Landscape in Marketing Techniques

Don’t Open A Can Of Worms: Keep The Secrets Handy

Sometimes, Keeping Things Silent Is The Best Approach: Telling The Truth Could Unleash Unforeseen Harm.

Repositioning Office Buildings Into Apartments And Condominiums Is A Complex Process

In many cases, the demolition crew has a job of dismantling economically, physically, and functionally obsolete buildings.

Meet Sid Byron, a typical American with a Short Attention Span

Have you ever noticed how short some people's attention spans have become in this fast-paced world?

Friends Do Business with Friends Is A Life-Sustaining Premise

Developing Long-Lasting Relationships Is A Key To Business Success As Well As Life’s Satisfaction Level

The Concept Of Red Tape Is Widely Known And Understood

Let’s Cut The Red Tape And Get This Job Done; Distroy The Barriers And All Participants Benefit

Networking With Valuable Financial Services Providers Like CPAs, EAs, and Financial Planners

Is A Valuable Referral Source For Private Money Lenders

I Don’t Have A Pot To Piss In

This Phrase Has Rich Pagentry: A Colorful, Unique Comment About the Plight Of The People

Why Do Hundreds Of Young Beautiful Women Want to Connect with Me On Facebook?

Am I That Special, Charming, Gorgeous, Masculine, Desirable, A Real Hunk? Of Course Not, but I Am A Suspect for Exploitation, Because My Traits Attract Online Scammers

Pennies From Heaven Has Turned Into Pennies In The Trash Bin

Let’s Acquire Some Pennies Without Effort Or Risks; Let’s Wish For Unexpected Financial Benefits

A Penny For Your Thoughts: It Costs A Lot More Today To Buy Thoughts, Only Some Unwarrented Opinions Are Still Free

These Days, A Few Pennies Do Not Buy Many Thoughts; Thoughts Require Hard Dollars, and Many Of Them

Trading Short-Term Gratification for Long-Term Pain

Buy now, pay later is not a good strategy

What We’ve Got Here Is A Failure to Communicate

The Communication is About How Mortgage Brokers Deliver Their Loan Transactions To Viable Lenders

Give'em an inch and they’ll take a mile.

This proverb suggests you will lose much of your territory by giving any or too many concessions.

110 Years Of The Marxist Experiment Have Failed In America

For Timing, The Experiment Began In 1913 With The Creation Of The Federal Reserve System.

Archie And Edith Bunker And All In The Family

Remember the Great Days Of Archie And Edith Bunker, and their Portrayal of Real Life Bigotry

How Many Advertisements Are We Exposed To Each Day

Most advertisements constitute random noise in our lives.

10 Concepts For Personal And Business Success

Common assumptions about how personal lives operate and businesses function

Deed of Trusts and Mortgage Investments In California

Overview Of The Licensing and Regulatory Scheme

The Verdict: A Pivotal Shift in Employment Matters Now involves the Executive Branch, not the District Courts.

A Monumental Win For The Trump Administration: A Game-Changing Verdict on Employment Matters.

The War Against The Deep State Entrenched Bureaucratic Apparatus

Anyone Who Thinks The War Is An Easy Task Must Rethink The Entrenchment of 100 Years In The Making

Europe Finds That Reliance On Renewables Comes With Frequent Systemic Collapses

The Grid Across Continental Europe Has Collapsed, Causing Blackouts through the entire region

Empower Ourselves With Successful And Kindred Relationships

Who Do We Want to Associate With?

It's My Spring Chili Cookoff Again, With A 20-Bean and Beef Version.

All Fresh, Except two Cans Of Tomato Paste, 3 gallons of delight.

Where Does Personal Power Come From?

Did We Earn It, Inherit It, or Get It From A Monopolistic Institution Like Government, Who takes it by brute force

The Most Difficult Habit To Break Is Giving Advice To Other People

Give advice when asked for by the other party or when you have a financial interest, such as making money. Otherwise, keep your mouth shut.

A Ship Without a Rudder

A lot of energy, but going nowhere fast

Horse Power (HP) as a Unit of Measurement For Power Output

HP is a calculation and part of the physics output of thrust forward.

Did We Miss The Boat? Are We the Only Ones Left Out Of The Fantastic Opportunity?

Did we fiddle around and miss an opportunity?

The Grandson Tries To Exploit Granny For Personal Gain

Financial Elder Abuse in America is at Crisis Proportions.

Right, Left, Centrist, Alt-Right, Alt-Left, Right-Leaning, left-Leaning, Passive, Ignorant, and Non-Participant, Subversive, Criminal

Political and Ideological Factions Abound.

What Happens When You Throw A Party And No One Shows Up

The Official Narrative from the leftist media about Protests, Riots & Mayhem is a lie.

The Borrower Pushes Back On Paying For Adequate Property Insurance

Fools rush in where wise men never tread

Stairway To Heaven

Another Bad Dream: One Day Before the Election Night 2024

The Free Lunch Bunch Got Check Mated

To “Take the Knee” or "Bend the Knee"

Back in the News:

Hitting the Threshold of Complexity:

Understanding and Managing Personal and Professional Growth

The Trade War Is a War For Economic Dominance

Eventual solutions will see a recalibration of trading partners suitable for all participants.

Non-Tariff Cheating

The US has ended up on the losing end: Time to right the ship

I Had a Horrible Dream

Then, On Election Night, I Woke To The Reality That I Got My Country Back

The American Colossal Racketeering Enterprise

For the last 50 years, politicians have seemed too busy lining their own pockets to care about the ultimate collapse.

The Most Brilliant Economic Move By Any President In My Lifetime

No other polititian has had the internal strength go up against the establishment

Are We Allocating Our Time and Resources Correctly?

Time is a precious, limited, and non-renewable resource; once it is gone or wasted, it is gone forever

California Has A Habit Of Issuing Penalties Based On Your Success

the egalitarian state wants to syphen the last dollar out of every half-successful person

Worry is a wasted emotion.

Worry is a Useless Emotion

The Habit of “Ums & Uhs & You Know” in Speech Are Common Filler Words

The use of “ums” &“uhs” & "you know" are filler words that undermine our professionalism

Are We Focused on Yesterday, Today, or Tomorrow?

Do not let the events of yesterday overshadow the potential of today and tomorrow

The National Condo Crisis

75% of older buildings need significant upgrades with the costs passed on the the owners and renters

The Great Stay Has Replaced the Great Resignation.

Alright, Cowboys, Express Your Opinions

But, Does Anyone Care

Compare The Past And Present U.S.A. Executive Leadership

What Is Your Preference? More or Less Regulation

Contrasting U.S.A. Executive Leadership: Past vs Present

What Is Your Preference? More or Less Regulation

The Secretive Counsel Above the Clouds

America Has Been Ruled By A Self-Serving Cabal

Who Defines Our Narratives?

CNN and MSNBC

The Cultural And Economic Collapse in the Biden Economy

Now We Can Openly Endorse Positive Changes

The Good, The Bad, and The Indifferent

People React Differently, Only Some Are Indifferent, Or Otherwise No Interested

The COVID Lockdowns Blew Up Every Cultural and Economic Paradigm

Never let a crisis go to waste.

Will Interest Rates Rise or Decrease in 2025?

The First 100 Days Of The Trump Administration Will Dictate The Direction

The U.S. Economy

Is it a Perpetual Zombi and Ponzi Scheme?

Living in High Tax States vs Low Tax States

Escape The High-Pressured Hamster-Like Financial Treadmill Lifestyle

Are Your Bank Accounts Safe? Part II of II

A Follow Up To Part I: If Your Money and Safety Deposit Contents Are Confuscated Who Will Benefit?

Are Your Bank Accounts Safe? Part I of II

The Answer is No, Hell No, And Absolutely Unequovically No: Your Bank Account Balances Do Not Belong To You Any Longer

The Impact of Mansion Taxes in California

Soak The Rich Because Thats Where The Money Is

EVs vs. ICE Automobiles: An Overview- Part I of II

Electric vs Internal Combustion Vehicles, History, Benefits, and Detriments

Anatomy of a Snowflake-Part II

Atticus Met his College Girlfriend, Who Became his Life Partner

Anatomy of a Snowflake- Part I:

A satirical exploration of the 'Snowflake Generation, a term often used to describe young people perceived as overly sensitive, entitled, and intolerant of opposing viewpoints.

Financing Overleveraged Homeowners Who Continuosly Refinance and Living Off The Proceeds

They Preceived That Their Strategy Of Continuous Refinancing Was A Smart Decision Until It Wasn't

Girl Rock Bands of Yesteryear

Do you remember all the great rock bands of the 1950s and 1960s?

Personal Branding & Self-promotion

The Shifting Landscape in Digital Marketing Technologies

You Can’t Handle The Truth

Can the public handle the truth

They have the money, and I am entitled to a share.

They are rich, and I’m not. So, I don’t mind stealing their electricity.

Are We Merely Shark Bait For The Deep State

An unequal playground makes the common man feel like Shark Bait because he (she) has no power

Listen To What I Say and Do What I Tell You, Or Else We’re Through

And I don't expect any bullshit talkback.

Bureaucratic Processes Clog the Organizational Systems

Systems Promoting Inefficiencies Create A Drag on Productivity and Output

A Shadow Of Yesterday’s Greatness

The new administration under Donald J. Trump faces the daunting task of restoring the U.S. to a state of economic stability

Parkinson's Laws

indictment of poor work habits, failing culture, organizational and institutional fraud, and government inefficiencies

The Old General Store

A Central Place For Shopping For Goods and Social Interaction With The Community

On Becoming An Effective President

Representing The Interest Of The Taxpayers

Vacant And Under-Utilized Federal Buildings

Looking At The Eye-Popping Inefficiencies

Returning America To A Cultural Model For The World To Admire

My Days and Nights are Illuminated With a Renewed Sense of Optimism and Delight

Fake News, Propaganda, and Disinformation- Part I

Fake News Is Having Its Comeuppence; The Viewership Sees Through The Fog Of Lies

Climate Change is a Hoax-As is Vilifying Fossil Fuels

But the New Sheriff Promised To Fix it.

Should We Outlaw Fossil Fuels? Part I of II

Should We Outlaw Fossil Fuels? The Old Guard Says Yes, The New Guard Says No!

Debt Serfdom and the American Enterprise

How Did We Allow Ourselves To Get Locked Into Hyper-Consumerism

Fake News, Propaganda, and Disinformation, Part II

The Public Is Now Aware That Mainstream Media Is Often A Preveyor of Misinformation

The Greatest Heists in American History

It’s Not From Robbing Banks, But Actions In The Rigged System

Debasement: Watching Your Dollars Shrink in Value

Continuous Debasement Keeps The Common People On An Economic Tread Mill

McMansion Blues

Decision To Move Down Into A Smaller Home

Consent of the Governed Has Been By Manipulation:

This Is A Historic Reality

What’s It All About, My Biker Friends?

A Poem to Celebrate the Shared Passion for the Biker Lifestyle.

The 80/20 Rule

Leverage Your Effectiveness

The Assistants Who Matter

Assistants Are A Valuable Resource That Allows The Leverage Our Time And Effectiveness

Society’s Challenging Problems: Work Around Them

Confront Them By Becoming a Self-Starter and Reject Mediocracy.

The Value Of Truth: Alternative News Sources:

Empower Yourself By Locating New Sources That Tell The Truth

The Smartest Badger in Badgerville

They Lurk From Within, Always Looking For New Opportunities

Escape From The Jungle Of Working To Much

Rejuvenate Yourself With Time Away From Work Pressure

Who Do You Want to Associate With? Empower Yourself:

Intelligently, Associate With Kindred Spirits

When A 'Friend' Turns Out To Be An Antagonist

Don't Give Opinions or Accept Opinions From Others Unless It Is Invited Or You Can Make Money From

Don’t Let the Old Man In

Reject Societal Age Biases By Breaking The Mold And Remaining HIghly Productive

How To Reinvent Ourselves, Part I

Time Allocation

Use The 80/20 Principle

On Being Ourselves As A Unique Sovereign

Take Ownership of Ourself and Our Worth

The Property Lacks Easements for Ingress/Egress

There Is No Way To Get In And Out Of The Property

Who Moved My Marketing Techniques Cheese?

The Shifting Landscape in Effective Marketing Techniques

Flirtation in the 1950s

Times Have Changed

The Great Pretending

Are We Correctly Allocating Our Time and Resources?

Treat Others with Dignity and Respect

They Will Treat You The Same

Why is the Public Not Happy with Inflation?

Inflation Directly Erodes The Purchasing Power Of Our Dollars

Why Do We Allow Others to Define Our Narratives?

We Should Define Our Own Narratives

Facing Economic Challenges Head-On

Attitudes, Actions, and Behavior Patterns

We are defined by those that we closely associate with

8 Smart Mice Hanging Out in the Bar!

Dan's Humorous Take