Incentives Matter!

People respond to incentives. This is one of the most important laws of economics. Incentives matter! Why do people buy homes? Equity build-up? Certainly. However, our tax code provides homeowners with financial incentives to buy those homes. Deduction of...

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Happy New Year in the Age of Trump

Happy New Year! We enter the new year, in the words of columnist Peggy Noonan, "battered but standing, atomized but holding on." As I think about the political earthquake that we as a nation experienced in 2016, I am impressed...

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Hope Renewed

December 10 is Human Rights Day. Given the recent death of Fidel Castro, one of the 20th Century's truly evil despots, it's somehow fitting that this day helps us to refocus our attention on the meaning and importance of human...

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Character Matters!

Good morning on the Monday of this Thanksgiving Week. For the record, I am an unaffiliated conservative. I don't belong to any political party. None of them reflect my beliefs. The older I get, the more I focus on...

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A Republic, if You can Keep it.

"Between stimulus and response, there is a space. In that space is our power to choose our response. In our response lies our growth and our freedom."--Viktor E. Frankl What a month we have experienced, and we're only halfway through...

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Freedom to Choose

Freedom to Choose   Tomorrow is Election Day. By the end of the evening, we may know who will have experienced the good fortune or misfortune to be elected to the Presidency of the United States. As much as we may...

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Hope . . . Amidst the Encircling Gloom

Only a few more days remain before this depressing political season runs its course. Although I have many flaws, ingratitude is not one of them. I am grateful, almost beyond my power of expression, that our quadrennial national exercise...

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Celebrate Life

Hello again-- The last quarter of the year is always my favorite. We celebrate--and not just the obvious holidays. There are so many more. Check these out. October 24--National Bologna Day October 24--United Nations Day October 25--Punk for a Day Day--OK, just get...

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Celebrate Life

Another Monday is upon us. Mercifully, we're going into the last three weeks of a dreadful political campaign. If you're interested, here are some ideas to avoid being submerged in the wave of electoral bilge enveloping us. Yes, there really...

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Save! Save! Save!

"Money frees you from doing things you dislike. Since I dislike doing nearly everything, money is handy" --Groucho Marx-- You will never be successful financially if you don't learn how to save money. Your goal should be to have as an absolute minimum an amount...

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