The public school system is abysmal.  It just gets worse, as each year passes.  Whenever something is “free,” it is never appreciated, no matter what it may be.  of course it isn’t “free” at all.  Federal spending on education, has gone from under $2 billion a year in 1966 to $54.5 billion in 2002.  Why […]

I really do try! My optimism about many things is unbridled. My kids all turned out well, I live in a wonderful old home in a town with wonderful weather, and in sight of the most rugged mountain range in America. My health is excellent, I don’t look anywhere near my age, and I am […]

You do remember K-Marts, don’t you? I assume there are few left. Maybe a few hundred, I don’t know, but the battle of the super boxes seems to have been won by Wal Mart. Woolco was Woolworth’s entry into the big box store, and K-Mart killed them. Examine the two remaining. Both have low prices, […]

Ever notice that when something happens, no one ever thought of it till it is a matter of fact? Teen-age boys think they are invincible and nothing could ever happen to them. “Why my reflexes are so good, that I can avoid accidents.” That’s why their insurance premiums are so high. When the dot com […]

Last week, I hypothecated that the government, as unauthorized by the Constitution, has become a huge insurance scam, which is actuarially unsound from the word go. The insurance “coverage,” which is compulsory, grows as each day passes. This coverage, draws down the currency, due to huge deficits. Now, we are engaged in a bottomless pit […]

An actuary, is a person who figures insurance risks. If an insurance company issues an auto liability policy to a 16 year old male, with a yearly premium of $10, it is actuarially unsound. The insurance company will soon be bankrupt. Actuaries, are of the greatest importance to an insurance company. What has this to […]

No one should want bad things to happen to the economy. I hope that all the gold bugs, silver bugs, pessimists, doom and gloom sayers, calamity howlers, et al, do not want the American economy to collapse or get into more trouble than its leaders have already gotten it into. I wish everyone well, and […]

Suppose you went into a bank, and wanted to borrow $10,000. The loan officer would say, “How will you secure the loan?” This is as it should be, if all were true, honest, or even logical. You then offer to secure the loan with a pack of cigarettes. The loan officer then becomes indignant, and […]

Big Mouth Arianna Huffington, the darling of the Republicans, has quit, and is now urging everyone to vote “NO” on the recall in California.  “Anything but Arnold,” is her plea.  Arnold is ahead, and will probably win, and no thanks to his looks or ability, but they are certainly better than hers.  The one who […]

The very word “Exchange,” indicates a trade, barter, purchase, or the like. Be it a night on the town with a damsel, for physical considerations, or currency exchange for the same thing, it is the oldest profession, and certainly involves exchange of one item for another. Purchasing a meal at a restaurant, a car at […]