Pepsi Cola Hits the Spot?

As a night school student, I was an accounting manager for a national company. I took a sick day and my punishment was a promotion to credit manager. I hated it! The sales department wanted sales and my performance was based on minimizing credit losses. The tools I had to work with were archaic compared to today’s standards. My decisions […]

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He’s my Jerk!

Something is going on around me. I can sense it, I can feel it, but I can’t put my finger on it! I just know it… Having moved several times, I believe it takes a year for people to settle into their new environment. The first year is spent unpacking, finding new doctors, friends, stores and feathering the nest. Jo […]

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The Seeds are Sprouting for the Next Real Estate Bust

A recent Bloomberg article, “There’s Some Hope for First-Time Home Buyers” caught my attention. “First-time homebuyers are finally jumping into the U.S. property market. ….Originations of FHA-backed mortgages, used predominately by first-time buyers, were up 54 percent in September from a year earlier…. By December, the FHA insured 22 percent of all loan originations, up from 17 percent a year […]

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When you are over the barrel, the goal is to get off the barrel

My Marine Corps drill instructor said it best, “When you are over the barrel being flogged, your goal is to get off the barrel and punish your captor so no one will ever think about doing it again.” Do we have a problem? Bloomberg recently quoted spokesmen from Goldman Sachs and Morgan Stanley predicting oil prices could drop to $20/bbl. or […]

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