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“What Do I Do? How Do I Start?” An open letter to millions of 20 somethings and those somewhat older who want to start investing

Sunday shopping at the local Trader Joe’s early in the morning—trying to beat the oncoming rush of humanity preparing for Superbowl parties—I heard it again as I have from so many young people. “I have some money. But how do I get started?” It was a young clerk in her 20s, with years of investing…

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The worker from hell who can make your life miserable

It doesn’t matter if you’re a boss, a worker or an owner, these people can ruin your workplace, life or company. They come into your business and some people immediately start planning to leave because of them. They can destroy your company as well as morale. Who are they? They are toxic workers and there…

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The Failure of a “Government Enterprise”. A periodic series on governments trying to run businesses

Generations of Transit Disaster—the New York City Subways. Part V, Government Subways Start to Collapse. The private management companies, which had built the first lines and earned the admiration of many in their first decades, were gone in the post World War II era. The Goos-Goos, who always wanted perpetual government control, had won. However,…

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Data Breach and Identity Theft Become Rampant: What are you doing to protect yourself? Don’t count on card companies or big retailers

Your credit card records, possibly even your identity, are under attack. And the number of attacks is rising. “We’re now getting close to 1 billion records of identity theft – more than three times our entire population in the United States,” says security expert Gary Miliefsky, executive producer of Cyber Defense Magazine. All of this…

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I Can’t Get the Financial Advice I Need: The Advisor Industry’s Perpetual Problem

Millions of Americans need retirement advice. The ones who already have considerable assets, and are heading for a secure retirement, can usually find and pay for it. However, those just starting out, with little or no assets, the ones who desperately need to get started now, often can’t find help. It is a paradox as…

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The Failures of a “Government Enterprise” A periodic series on government trying to run businesses, Part 4

The private management companies are gone and the government controls all subway lines. The system fails post 1940 The promise of labor peace in the New York City subways along with efficiently run lines that would make money once the private management companies were gone was a mirage. Labor peace was based on the idea…

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