The title of this article is provocative and I understand this. But, as one economist put it: those clamoring for manufacturing jobs have never worked in one. My point is that U.S. trade policy is completely misunderstood and our political leaders are demagoguing the issue to create fear and buy your votes. Tariffs and protectionism […]

With elections on the horizon I’m often asked who I’m voting for, Trump or Biden? My answer is that I can’t stomach either candidate. I don’t think I’m unique. Biden may or may not be cognitively challenged, but what he definitely is, is a Progressive. You will recall that in his inaugural speech he said […]

We all want a thriving, vibrant State Street, but we don’t have one. I first wrote about the decline of State Street in 2017. As I look back to those articles not much has changed.  State Street isn’t actually dead, but it has been dying for years. I know that some folks deny this, but […]

We think about money constantly. How to get it, how to keep it, and how to spend it. This is the human condition whether you are rich, poor, or just doing ok.  This article is about the problem of keeping your money in a world of inflation.  The Federal Reserve, the U.S. Treasury, the President, […]

I always find it curious that proponents of higher minimum wages don’t aim high enough. The Federal minimum wage is $7.25. As of January 1, California’s minimum wage went to $16 per hour; fast-food workers get $20 per hour. If they believe this is the way to lift low-wage workers out of poverty, why is […]

There was a popular book a few years back, Rich Dad, Poor Dad by Robert Kiyosaki which gave some very good advice about financial health and wealth. It was a catchy title, so I came up with something similar: Rich Country, Poor Country.  I’m going to examine why some countries are rich and some are […]

Everyone has heard about artificial intelligence and the computer program ChatGPT. It seems to have reached some level of intelligence by digesting and synthesizing data from billions of articles on the World Wide Web. It’s a stunning achievement and holds the promise to positively transform society.  Let me disclose at the beginning that I wrote […]

I’m going to take some steel discs, slugs – you know, the kind you find in electrical outlet boxes – stamp HarCoin on them plus my profile, and sell them at auction. I will call them HarCoins. I’m going to number them serially through an RFD chip that will be embedded in the slug. If […]

The Montecito Association is considering recommending to the County a ban on “big box,” “formula” retailers in Montecito. I oppose such a ban. My wife and I have lived in Montecito since 1978. We are members of the Montecito Association. We have been active in the community over the years. Recently I was a promoter […]

The problem with Gov. Gavin Newsom is that he is not a leader. Like most politicians he follows the money to keep his office in a blue state. In California, that means the liberal-Progressive political leadership who control politics in the state. The result has been a California that is on a downward slide. To […]

To use a well-worn phrase, the homeless (“unhoused,” “unsheltered,” “houseless”) are a blight on our fair city. It’s not that we don’t have sympathy for these folks, but when they are met on the street most of us steer wide of them. I’m not insensitive to the homeless, but from what I’ve seen on State […]