GUEST POST from Don – Affectation

AFFECTATION Recently I have given significant thought to affectation.  All of my life I have understood it and refused to be emotionally swayed by it.  (It is very emotionally based, by the way). Growing up going to church there was the “preacher voice” and the “prayer voice.”Then in school there was the “teacher voice.”At the doctor’s office, …
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GUEST POST from Don – Preretirement

PRETIREMENT Stage A – The 7 years before actually laying down the shovel and sleeping in.*Study everything you can find.  Make sure your investments are balanced.  Make sure your types of accounts are balanced.  Double check your future needs and wants.  Stay married or get married (it can be a financial boost).  Consider MOVING to another state… (FL, MS, PA, …
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GUEST POST from Don – Putting On Pants +

PUTTING ON PANTS + Putting on pants requires dedicated thought. “Pay attention!”  Did you ever have someone tell you that?  I’ve been known to say it to rambunctious-minded children from time to time. Well, when it comes to dressing for the day I need to tell myself the same thing.  The problem is my “list” of things to …
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GUEST POST from Don – Sinking Fund

SINKING FUND Businesses and organizations often create “sinking funds.”  That’s a fancy way of saying “We’re saving up for a huge expense.” This they do to reduce future financial problems, such as needing so much cash they have to take out a loan.  It also saves them on interest (business loans are a higher interest rate than …
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Musical March – March 11, 2025 Edition

Today I wish to introduce you to P.D.Q. Bach, a fictional composer created by the brilliant , late, great composer Peter Schickele , in the event that you haven’t had the opportunity to enjoy his work. I grew up appreciating the subtle – and not-so-subtle – humor found in his zany compositions, and his music …
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GUEST POST from Don: Wuhan Again?

WUHAN AGAIN? The CDC is unhelpful.  (That’s not new, I’m just reminding you.) My wife was “potentially exposed” to the virus Sunday when she spoke to a woman who didn’t know she was infected.  The lady was kind enough to text later in the day. My first question for the CDC was “If my wife is going …
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GUEST POST from Don – Violence and Women

VIOLENCE AND WOMEN I still am unsettled.  Last summer a beautiful young woman attended church to observe her sister’s baptism.  She heard something in that Sunday’s message which touched a need in her life.  She started attending more or less regularly and found even more which touched her needs.  In fact, she found everything she had been missing (purpose …
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GUEST POST from Don – Doomers +, Part 2

DOOM CUSTOMERS +  (Page 2…) Sorry!  I have quite a collection of tidbits which are taking up room on my desk.  Let’s deal with some. WHAT IS THE RESULT OF POLITICALLY FORCED INCREASED WAGES? “Minimum Wages and Workplace Injuries”by Michael Davies, R. Jisung Park, and Anna Stansbury found in Planet Money.These researchers studied California wages from 2000 to …
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GUEST POST from Don – Doomers +

DOOM CUSTOMERS + Research has shown that customers who bought a product which failed and which was eventually removed from the market are much more likely to buy the NEXT doomed product. Who are these customers of “doom?”They are early adopters.  They see something new and immediately buy it.They go for cheap.  They like products which are …
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GUEST POST from Don – Know Your Limits

KNOW YOUR LIMITS A funny thing with cars:  They have reservoirs.  There’s the gas tank, the oil level, the radiator fluid, the transmission fluid, washer fluid, … even the passenger compartment is a reservoir which is measured in leg room and shoulder room.  Your owner’s manual will tell you all the details.  You can’t assume the car will hold …
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