Socioeconomic Affirmative Action Over Racial Affirmative Action Please

43 Comments / Relationships / By

Socioeconomic affirmative action over racial affirmative action is something more of us should consider. After all, race doesn’t make someone smarter or dumber. It is opportunity and financial circumstance that determines opportunity more. For example, all the rich kids get to pay for after school tutors and SAT tutors for $3,000 – $5,000 a pop. […]

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“We Are Wall Street” E-mail Fights Back Against Main Street

74 Comments / Big Government, Investments, Relationships / By

We have a culture of blaming others for our problems and Main Street is now on a tear with this “Occupy Wall Street” movement that’s gathering steam. The thesis is that financial institutions and anybody who has anything to deal with financial institutions are bad.  The government and the media help fuel the fire against Wall

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How To Drastically Increase Your Betting Odds And Help Other People

37 Comments / Investments / By

If you want to drastically increase your betting odds, this post is for you. As someone who worked on the trading floor for two major investment banks for 13 years, I’m very accustomed to betting. We proposition bet (prop bet) on random things all the time. The more bets you make, the better your betting

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Cash-Out Mortgage Refinancing As A Way To Lower Your Tax Bill

53 Comments / Real Estate, Taxes / By

Conducting a cash-out mortgage refinancing is a way to lower your tax bill. And we all want to lower our taxes! You should defer or shield as much income as comfortably possible until retirement to minimize your present tax bill.  The odds of your retirement income equaling your working income is slim-to-none. Therefore, your retirement tax

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Take Advantage Of Unemployment Benefits And Milk ‘Em Dry

60 Comments / Big Government, Career & Employment / By

This is not an educational post. Instead, this is a post about discovery since I don’t quite understand President Obama’s American Jobs Act. One of the key initiatives of the jobs bill is “extending unemployment benefits further” given how bad the labor market is now.  I’m in full support of this ~$450 billion dollar bill,

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First Republican Presidential Debate Makes President Obama A Winner in 2012

74 Comments / Big Government / By

The September 7th Republican Presidential Debate makes it absolutely clear that President Obama will get re-elected in 2012.  Here are my thoughts on each candidate post Republican Presidential debate. I’m editing this post in 2021 and Obama obviously won. Then Trump won. Now it’s Joe Biden’s turn to lead. However, I plan to retire under

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An Optimist’s Outlook: Why Not “Unemployment Day” Instead?

28 Comments / Career & Employment / By

Unemployment day sounds like a good idea. Back in 2011, when this post was fist write, we were just coming out of the recession. Today, it is a similar situation post pandemic. With the US unemployment rate at 9.1%, Americans everywhere celebrated employment by taking Monday, 9/5 off.  Does anybody else not find it a

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