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Emergency fund

The emergency fund is one of the basics of long-term financial planning, but as an accountant when I touch base with my clients and ask them about the status of their financial wellbeing, I find that the verdict is split, some don’t really have one.  Granted this is...

Shoplifting

Shoplifting has essentially been decriminalized, by Progressives in California for years they have weakened property rights and retailers that apprehend thieves can be sued. In California, in short, trying to protect one’s property can be a criminal offense. Looters,...

Debt collectors

Years ago, when I worked at WM my unit had a collector to collect on the smaller accounts that had past due amounts. We were the Hazardous waste unit, so our services were highly specialized, not to mention expensive and we dealt with small clients on one-off...

Payday loans and beyond

I was reading an article about loans to the poor and I was appalled at what happens to these people. Apparently lending money to people who don’t have any is surprisingly profitable. In states where such stores are legal, such as Missouri, they are more common than...

Carbon footprint stats on foods

The carbon footprint of our food as been in the news for awhile.  Not screaming headlines, but lurking in the shadows. Livestock farming produces from 20% to 50% of all man-made greenhouse gas emissions. Shrink That Footprint’s has a chart that shows that a meat...

The US is no longer #1 in the world

We alone are no longer number one.  To stay number one, we need to recruit from other countries and our policies are now making this more difficult, if not impossible. We are not growing all that we need internally. In the competition for global talent the U.S. has...

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