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DAVIDSON: It’s Not About How Much You Earn

Prudent finances are more important than ever before.

Jeff Davidson

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The tragic death of Robin Williams in 2014, who took his own life while suffering from severe depression as well as facing money problems among other things, reminds us of a truism of personal finances: it doesn’t matter how much you make in any given year, or in the span of your career. If you spend more than you make, and do it in a hurry, you can end up as bankrupt as anyone. This last year has been particularly tough for many people and so prudent finances are more important than ever before,

Yesteryear, we often read about professional athletes or entertainers who annually earned multimillions of dollars, but then, a few years out of the sport, or out of the celebrity limelight, fell into financial ruin. How could someone raking in several million dollars a year, we thought, end up penniless? How foolish, how reckless, how wanton could people be with their money?

Today, at least among pro athletes money managers ensure that said individual will have regular annual income for life. In pro contracts, clauses stipulate how much of an athlete’s earnings will actually be dispensed in any given year. Hence, 15 to 20 years out of professional sports, an athlete earning, say, $10 million a year will be assured of income for life as a result of effective money management. Celebrities who are wise enough to choose effective professional financial counsel are similarly aided.

High Debt means no Breathing Space

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It’s no matter how much you make, if you don’t effectively manage your money, it can all go to pot. Studies show that an inheritance, no matter how large, on average is dissipated within seven years. So, whether someone receives $5,000 or $500,000, on average, after seven years all that money is gone.

Being in debt is not conducive to having breathing space. In fact, it’s the antithesis. When you’re in debt, that ever-present reality has a way of dominating your day. When the next bill is arrives, you think about your finances. When the next rent or mortgage payment becomes due, the issue arises again. Every time you write a check, surrender your credit card to a vendor, or even take money out of your wallet, you are reminded of your tenuous financial condition.

When you’re in debt and seek to re-pay it, you tend to work longer and harder. You want to make extra money to pay down those credit card balances. Living beyond your means, however exhilarating in the short run, is insidious in the long run. The constant drum beat in the back of your mind, “I’m not making it,” “I owe others,” and “what if people find out?’ can wear down an individual in ways that we don’t even fully understand.

Construct a Cash Flow

The fastest and easiest way to understand the state of your current as well as future personal finances is to construct a 12-month cash flow, which plots all of the incoming cash and revenue from all sources, and to the best of your ability projects all of the expenses you will be incurring. A 36-month cash flow is more ambitious and more revealing.

It’s too easy to get caught up in thinking, “I’m making a fortune annually, and my goodness, what do I have to worry about?” The fate of rich people who die with money issues tells us that you have plenty to worry about if you spend more than you earn.

Opinion

Gen. Milley’s Overstepping was Habitual, According to Witnesses

His Chinese collusion was nothing new, it seems.

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Last week, Americans learned several shocking tidbits of information regarding the last several weeks of the Trump presidency, and it infuriated much of the nation.

The most prominent offense came from General Mark Milley, the chairman of the Joint Chiefs of Staff, who was reported to have taken extracurricular actions to preemptively stymy any plans that then-President Trump may have had to either attack China or use our nation’s nuclear arsenal.

In the case of the China story, Milley was said to have made phone calls to his counterparts in Beijing, assuring them that Trump wouldn’t be launching any sort of strike against China during his final days in office.  Milley also made it clear that he would warn them if any such plan was coming to fruition.

This had Americans concerned, believing that Milley had overstepped his role and circumvented the authority of the Commander in Chief.

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Now, a witness from inside the administration has suggested that this sort of behavior wasn’t abnormal for Milley.

E. Casey Wardynski, a former assistant secretary of the Army for manpower and reserve affairs, claimed that Milley — who, according to the book, “Peril,” by Bob Woodward and Robert Costa, called his Chinese counterpart twice to tell him that the US would not attack Beijing — routinely violated the bounds of his authority.

Wardynski said Milley and chief of staff of the US Army Gen. James McConville engaged in a “pattern of behavior” to thwart President Donald Trump.

“These kinds of behaviors and this willingness for military leaders to exceed their authorities and ignore authorities of the civilian officials appointed over them … positions under the Constitution and laws of the country was not something that came to them on Jan. 8,” Wardynski told Fox News.

And then, tersely:

“It was something that they had done for a while.”

Milley has so-far resisted calls for his resignation following the incident.

Last week, Americans learned several shocking tidbits of information regarding the last several weeks of the Trump presidency, and it infuriated much of the nation. The most prominent offense came from General Mark Milley, the chairman of the Joint Chiefs of Staff, who was reported to have taken extracurricular actions to preemptively stymy any plans that then-President Trump may have had to either attack China or use our nation’s nuclear arsenal. In the case of the China story, Milley was said to have made phone calls to his counterparts in Beijing, assuring them that Trump wouldn’t be launching any sort of strike against China during his final days in office.  Milley also made it clear that he would warn them if any such plan was coming to fruition. This had Americans concerned, believing that Milley had overstepped his role and circumvented the authority of the Commander in Chief. Now, a witness from inside the administration has suggested that this sort of behavior wasn’t abnormal for Milley. E. Casey Wardynski, a former assistant secretary of the Army for manpower and reserve affairs, claimed that Milley — who, according to the book, “Peril,” by Bob Woodward and Robert Costa, called his Chinese counterpart twice to tell him that the US would not attack Beijing — routinely violated the bounds of his authority. Wardynski said Milley and chief of staff of the US Army Gen. James McConville engaged in a “pattern of behavior” to thwart President Donald Trump. “These kinds of behaviors and this willingness for military leaders to exceed their authorities and ignore authorities of the civilian officials appointed over them … positions under the Constitution and laws of the country was not something that came to them on Jan. 8,” Wardynski told Fox News. And then, tersely: “It was something that…

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Opinion

Political Prisoners in America: the January 6th Capitol Occupiers

No can passively sit by and hope that things will turn out for the better. 

Jeff Davidson

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The United States of America was founded based on a constitution and amendments that guarantee rights to the individual; a republic where laws prevail, to be dispensed impartially; where unlawful search and seizure is not permitted; and where due process matters. 

We are supposed to be the land of the free and the home of the brave; the nation which immigrants from around the world yearn to reach; the beacon of democracy and the shining example on Earth of a free people in a free land. Nevertheless, the Biden Administration, has taken action unprecedented in our history. It is treating those individuals who inhabited the U.S. Capitol on January 6th as if they are murderous terrorists. 

The people that Biden is holding, in many cases for months on end in solitary confinement, are being denied their fundamental rights as American citizens. 

An Insurrection? According to Whom?

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Large numbers of people who entered the Capitol that day were ushered in by the Capitol guards. They merely walked through doors that were held open for them. The claims of insurrection are entirely ridiculous. No one had weapons. 

How do you mount an insurrection with no armaments? Virtually every Capitol occupier had either a plane reservation or car ride ready for that evening or the next day. They did not intend to stay. In short, no organized attempt to overthrow the government was underway, and every Biden official knows that.

The ranks of actual Trump supporters, however, were infiltrated by members of Antifa and true insurrectionists who sought to create a false flag, making it seem as if Donald Trump and Trump inspired supporters intended to overthrow the U.S. government. 

Trump supporters had no intention of overthrowing the United States government – it is total hogwash as is known by anyone who is familiar with the facts. Ashley Babbitt, a U.S. Air Force veteran, was killed by a Capitol guard. She posed no threat, however, carried no weapon, and based on the more rambunctious activity of some Capitol occupiers did nothing to earn her fate.

Angel Harrelson, whose husband is among the incarcerated, started a petition to Florida Senator Rick Scott (R). She implored government officials to “Free our political prisoners now! They are being mistreated and tortured. They are innocent until proven guilty. We want the public to see all footage from inside of the capital, now, with no cuts on footage, and no bits and pieces here and there!” She explained that she is one of the family members with a spouse in political prison. 

Biden and Company Keep Reaching New Lows

The Biden Administration, and its incalculably undemocratic, unlawful, and despicable approach to administering justice, is stifling attempts to ensure that these incarcerated individuals receive lawful and constitutional protections. Justice actually must be served before and during the legal proceedings for any of the incarcerated.

What an outrage that a petition even needs to be created, circulated, signed, and submitted. When, indeed, do we petition for basic Constitutional protections, in this case, from our own government?

Biden’s handlers know full well about the treasonous behavior in which they are engaged. They feel all-powerful, however, and appear unconcerned. They’ve got the sycophantic press on their side as well as multi-millions of gullible Democrats, liberals, and progressives who believe that Biden is a kind man, his administration is both fair and just, and the Capitol occupiers are in league with the devil. As usual, the exact opposite is true.

For many decades, the U.S. Department of Justice has engaged in egregious acts of prosecutorial misconduct. DOJ prosecuting attorneys seek convictions by any means necessary. If that involves withholding evidence, delaying court cases, and bleeding the persecuted financially dry, then so be it. Within a 97% conviction rate, as a nation, we have crossed the line into banana republic territory.

Stand Strong, Speak Loudly

Our voices need to be heard: Write to your Congressional representatives, to your Senators, to the editors of your newspapers, and to the gatekeepers of information and communication in our society. This includes the wannabe autocrats at Facebook, Google, Amazon, Twitter, etc, who don’t fool us with their rigged algorithms and ‘community standards.’ 

The contortion of real news by the Leftist gatekeepers, the views that they push, and the censorship in which they’ve been engaged, for far too long, will not diminish us. We know their end game: it is total control of the masses, ever to be ruled by a fraudulently elected ruling class, backed by über-liberal billionaires who believe they are the anointed ones.

No can passively sit by and hope that things will turn out for the better. 

 

The United States of America was founded based on a constitution and amendments that guarantee rights to the individual; a republic where laws prevail, to be dispensed impartially; where unlawful search and seizure is not permitted; and where due process matters.  We are supposed to be the land of the free and the home of the brave; the nation which immigrants from around the world yearn to reach; the beacon of democracy and the shining example on Earth of a free people in a free land. Nevertheless, the Biden Administration, has taken action unprecedented in our history. It is treating those individuals who inhabited the U.S. Capitol on January 6th as if they are murderous terrorists.  The people that Biden is holding, in many cases for months on end in solitary confinement, are being denied their fundamental rights as American citizens.  An Insurrection? According to Whom? Large numbers of people who entered the Capitol that day were ushered in by the Capitol guards. They merely walked through doors that were held open for them. The claims of insurrection are entirely ridiculous. No one had weapons.  How do you mount an insurrection with no armaments? Virtually every Capitol occupier had either a plane reservation or car ride ready for that evening or the next day. They did not intend to stay. In short, no organized attempt to overthrow the government was underway, and every Biden official knows that. The ranks of actual Trump supporters, however, were infiltrated by members of Antifa and true insurrectionists who sought to create a false flag, making it seem as if Donald Trump and Trump inspired supporters intended to overthrow the U.S. government.  Trump supporters had no intention of overthrowing the United States government – it is total hogwash as is known by anyone who is…

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