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My Powerful Memory

Once again my cousins have questioned my memory. Because they have puny memories they are awed by my great recollection. I guess I should say that they are ‘recall challenged”, not possessors of puny memories; you know, political correctness and everything. But they do have puny memories. After much brilliant debate on my part I have finally got them to concede that I do have a superior memory. In fact, they now say my memory is so mighty that I can actually remember things which did not even happen. It’s about time they came around.

For those of you who aren’t fortunate enough to possess such awe inspiring great memory as yours truly, don’t be too dismayed. It is not all fun and games. There is a marked down side to this great divine gift. For example, I bet most of you can’t remember going to your parents wedding, but I can. Now wait! My parents were married twice. More...

Will the Social Security System fail?

When FDR instigated the Social Security system there were more than thirty people working for every retired person. Today that number is more like three to one and will one day soon be only two to one. With more than thirty workers paying into a system that immediately disperses those collected funds to the currently retired or disable recipients the system works. In this way each worker on average only is responsible for less than one thirtieth of a retirees check. With only two workers working for each retiree, each worker is on the average responsible for fully one half of a retiree’s check. In short, no matter at the political talk and arguments on each side of this issue, Social Security, as it is presently constituted, is doomed to fail.

The answer to fixing this system in the future is straight forward. Whether using a privatized or partially privatized system or a revised public system, the workers of today must have at least part of their money going into some investment vehicle which takes advantage of the time value of money and compounding interest. More...