Learn to live within your means and be debt free. Increase savings, invest to grow your money for retirement. Watch out for scams, scums and the schmucks of the financial world. Get more information from books and seek help from financial advisers.

Do not regret growing older. It is a privilege denied to many - Unknown.

Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

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A Guide for Adults With Depression

Monday, January 26, 2009, PM | 2 Comments

This guide can help you work with your doctor or nurse to choose medicines for depression. It covers: Common medicines for adults with depression Side effects Price This guide is based on a government-funded review of research about the medicines often used to treat adults with depression. This guide does not cover: Treatment of depression […]



A guide for men with localized prostate cancer

Monday, January 26, 2009, AM | 1 Comment

I am 60 years old. I have been to the doctor’s twice. One in 1986 and the second time in late 2005. So far, I have not done tests for either colon or prostate cancer. I plan to do that in 2009. Most men have time to learn about all the options for treating their […]



Hawaii wants to consign gas stations to a bygone era

Friday, January 16, 2009, AM | Leave Comment

The State of Hawaii is about to introduce a huge experimental project. It is about electric cars that, if successful, could consign gas stations to a bygone era. With the help of a California company called Better Place, the State wants to implement the technology and the network of charging stations. Optimum functionality Three things […]



No furnace but heat aplenty in passive houses

Friday, January 2, 2009, AM | 1 Comment

New York Times online ran a story about “No Furnaces but Heat Aplenty in Passive Houses” by ELISABETH ROSENTHAL Published: December 26, 2008. In Darmstadt, Germany, a new development consists of houses that are heated by alternative energy. “There are no drafts, no cold tile floors, no snuggling under blankets until the furnace kicks in. […]



Newly Budget-Minded Turn To Prepaid Phones

Sunday, December 21, 2008, AM | 2 Comments

I read an article Newly Budget-Minded Turn to Prepaid Phones by ANDREW LAVALLEE on the Wall Street Journal website. The author gives examples of consumers who have switched from monthly bills to prepaid cell phones. The article gives pros and cons of the prepaid phones. It is, I guess, fine for one person. We are […]



Maximize FDIC Protection For Your Bank Account

Thursday, December 18, 2008, AM | Leave Comment

As we all know, in this lousy market, we have to protect our bank accounts. This year, 2008, is the 75th anniversary of the Federal Deposit Insurance Corporation, better know as FDIC. Recent changes in FDIC insurance limits temporarily raised protection, unless Congress makes it permanent, from the familiar $100,000 level to $250,000 per qualified […]



An Open Letter To Verizon

Wednesday, November 12, 2008, PM | 1 Comment

I included this post in the category of ‘Personal Finances’ because it has impacted my finances. My credit score has been damaged. I hope it has not happened to anyone else. In my family, we have three cell phones subscribed to Verizon Wireless. We have no major problems with that. In March 2008, we place […]



6 Steps What To Do In A Lousy Market

Friday, November 7, 2008, AM | 1 Comment

Many people lost a lot of money in stock market a few years ago. I did too; 25% in my retirement account and 15% in my stock investment, not in two years, not in one year but in less than 2 months. I am just waiting it out and that is the consensus of the […]



Financial Excesses By Any Name

Tuesday, October 14, 2008, AM | Leave Comment

Firstly, there was the news that after getting some money, billions of dollars from the public, AIG executives spent close to half-a-million dollars in a resort area in five days. Some of their expenditures were: $15,000 on leisure dining – whatever that means, $10,000 on massages, playing tennis and other such things. Read more…



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