July 26, 2019

Like other things college cost are driven by supply and demand, but government subsidies have created artificially high rates of inflation. How could we get college cost under control.  It can be beneficial for the government to help some people pay for college, but how much and who should be up for debate.  The allowing colleges to continually raise tuit...

May 23, 2019

-- Justice Should Be Blind --

Blind Justice:  All groups and individual who have submitted themselves to the authority of the jurisdiction of the court have the absolute right to equal protection and treatment under the law. 

This is a hypothetical system that could be used in court or even modified to be used for internal EEO issues.

  1. All EEO, and l...

March 2, 2019

Community or Citezen Law Enforcement (CLE)

After the numerous cases of police abuse and alleged police abuse including allegations of racism, unnecessary use of force, cover-ups and police corruption we need to rethink policing in the United States of America.  Most police are honest and hardworking, much of it do to sensationalism of the press and biased...

December 8, 2018

Overcoming your own emotions is the primary factor in the success of your investments. 

I teach my students about many factors that effect investments and methods of analytical decision making.  Including technical, fundamental, and macro economic factors like currency, trade, markets, politics, social trends, and new technologies, but none of this matters...

September 1, 2018

Planning for Your Business
"If you fail to plan, you are planning to fail!" Benjamin Franklin

Have a "Business Plan" to pushing for success; a "Business Exit Plan" plan for what's next and be ready for the worst; and a "Continuity of Operations Plan (COOP)" to be prepared to overcome anything.

You don't need everything in place on day one. As Voltaire made...

There are many share classes for mutual and they are standardized across all the mutual fund companies. Funds from the same mutual fund company are commonly referred to as fund families.  Even though there are many share classes they fall into three basic categories.

You can think of share classes like using a car to commute to work.  If you only needed t...

January 27, 2018

We are introducing a new tool on www.1SmartStep.Org to help DIY investors determine how they should distribute they portfolio based on their financial position, risk tolerance and retirement timeline.  The new tool breaks investments into (6) six categories: cash equivalents, income, growth & income, growth, aggressive, and speculative. These correspond t...

Planning for Your Business

Success doesn't just happen. Have a "Business Plan" to pushing for success; a "Business Exit Plan" plan for the worst; and a "Continuity of Operations (COOP) Plan" to be prepared for everything.  This more a list of things you need to think about and plan in the process of running a business. 

To get your business started y...

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