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  This is a rewrite of a previous article, “Will You Raise My Credit Limit Please?” First, A backdrop of some basic principles of personal finance: We all live with certain financial realities in our individual or household economies or “budgets”.  We earn money to pay for our necessities and depending on the differential between our income […]

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Recently there was a news report of Metropolitan State University professor in Colorado who makes students recite an “Anti-American’ Pledge of Allegiance”.  I carefully watched two different reports of the story both on Fox’s national cable news.  In America we have a Constitution which also includes the Bill of Rights.  Our founding Fathers included these […]

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Michael Brown (a black man), and Eric Garner (also a black man) were killed during their arrests or attempted arrests.  I proceed with the assumption that you, the reader, are aware of the controversy surrounding these two events and the racial ire it has provoked in the national discussion.  I begin by saying that I very strongly oppose the excessive use […]

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Separation of church and state, and freedom of religion. Are they compatible? I argue that it is not possible to shield everyone from exposure all the opinions and feelings in a diverse society. As such, I further contend that it is not the intent of the founding fathers, through the instrumentality of the U.S. Constitution to […]

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(Edited November 28th, 2014)  George Washington was our first President.  Of course you knew that.  I do suspect however, that very few of us know that he could have been our King.  That is an incredible thing to consider.  Not only because we are now a representative republic (though we are often falsely labeled a […]

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(Edited November 19th, 2014) There was a time when pornography was widely rejected and almost universally regarded as inappropriate fare for child and adult.  As time marches on our society descends deeper into the abyss of immorality. Is there a correlation between the rise of sex crimes, sexual abuse of children, divorce, the spread of sexually […]

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(Edited November 11th,  2015) Today we observe the annual Veterans Day holiday.  I share a very personal experience here but first lets get a few facts out in front of us. The Veterans Administration reports that on any given night, approximately 300,000 veterans are homeless.  300 thousand!  That is roughly three-fifths (60%), of the entire Regular […]

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Divide and Conquer

  Edited 1/6/2014 We sure live in an angry world, filled with hate and malice.  In my native state the bitter rivalry between the top two college athletics programs has been the impetus for my developing an allegorical metaphor.  I will use that metaphor to frame a darker side of humanity.  Like the Hatfield’s and McCoy’s, hate […]

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Said James Madison, in a letter to W.T. Barry, August 4, 1822, “A popular Government, without popular information, or the means of acquiring it, is but a Prologue to a Farce or a Tragedy; or, perhaps both. Knowledge will forever govern ignorance: And a people who mean to be their own Governors, must arm themselves […]

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A backdrop of some basic principles of personal finance: Please allow me lead into my subject by reviewing some fundamental principles of personal finance.  I do so at the risk that I may insult your intelligence so I ask you to bear with me just for a moment and my purpose will be come clear.  It’s […]

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