After centuries of living, fifty years ago, man introduced a little thing called a television. It entertained us free. We could watch Saturday Night at the Movies at home. The television programmers figured out very quickly, what we liked and what we didn’t like. They learned early, if we didn’t get what we liked… »»»

Forty-five years ago, it was cool to smoke cigarettes. Children, myself included, would feel cool about smoking. There was a product called candy cigarettes at the grocery stores. I haven’t seen this product for many years. They came in a little box which had some of the names and logos of the major brand… »»»

Twenty-five years ago, the big credit card chains started making it easy to spend money you didn’t have. They showed up on college campuses all across the country. They gave you a prize by simply filling out their application. Approved or not, you still got the prize. You got a little short of cash… »»»

Thirty-five years ago, the largest hamburger chain on earth started meals for kids. They added playgrounds to their restaurants. They made it fun for kids to come to eat. Very early, kids learned to want to come back and eat at their restaurants. They may have trained you, too. Recently, there are people… »»»

Two of our closest friends shared a real shocking admission with us the other evening. We were sitting around the scrabble board and it turns out that they are extremely worried about how to possibly retire. I was completely dumbfounded. Here is a really great early sixties aged couple, living the upper-middle class lifestyle… »»»

Many homeowners with home equity are thinking about hitting that equity like an automatic teller machine for some cash. The total value of their home equity hasn’t completely disappeared during this recent market downturn. After all, most are getting letters announcing rising interest rates from their credit card companies. Over the past couple of… »»»