“What is a mere individual to do? Live as sane and decent a life as you can, love your family and friends and understand that everybody is in this together." 

 · Ron Smith


”Barack Obama checked all the boxes and touched all the bases during his career without, it seems, ever learning a single thing worth knowing. The tell with this man was the fact that he utterly lacks the humility that has marked men of wisdom since Confucius and Socrates. According to Obama, he was 'a better speechwriter than his speechwriters,' a better economist, better banker, better planner, and so on down the line to poodle groomer, than anyone living. Obama committed the greatest crime against intelligence: he didn’t know what he didn’t know.”

You just have to read the full story:




The people we elect aren’t the ones calling the shots, says Tufts University’s Michael Glennon..



"Governor-Elect Hogan" -- A victory for all Marylanders!

Ron would be having so much fun with this today...


No doubt this is the greatest nation in the world yet America has the lowest savings rate compared to any other developed nation.

We are a nation of are spenders.

Many people take on too much debt—to finance a new home, a car, an education, or by racking up debt on credit cards.

According to Nerd Wallet dot com’s 2014 U.S. household consumer debt profile, the average credit card debt is fifteen thousand, six hundred seven dollars. 

Those who only making the minimum payment on their credit card debt are paying one hundred thirty dollars and twenty cents in interest for every thousand dollars of debt they have incurred.

And, it’s going to take years to pay off the balance – especially if they keep incurring debt on those credit cards.

  • The average mortgage debt is one hundred fifty three thousand five hundred dollars
  • The average student loan debt is thirty-two thousand six hundred fifty six dollars.

In total, American consumers owe eleven point sixty three trillion dollars in debt –a three point eight percent increase over last year.

American consumers owe eight hundred eighty point five billion dollars in credit card debt.

American consumers owe eight point seven trillion dollars in mortgages – many of which are upside down

American consumers owe one thousand one hundred twenty point three billion dollars in student loans – an increase from eleven point five percent from last year.

It’s not just the Government that is in big debt. It’s many of the American people, as well.

Thirty-six percent of Americans don’t save anything for retirement.

Six thousand Americans turn sixty-five every day.

Many economists and industry experts are saying that unless Americans change their spending habits and learn how to save, we will soon be facing a full blown retirement crisis – a crisis that may be turn out to be a deeper and more harrowing experience than anyone has envisioned.

Social security and Medicare funding is deteriorating.

Many pension systems are growing weaker every day.

The retirement age is increasing.

It’s not a pretty picture.  So much for the “Golden Years” for so many Americans – especially those who will suffer from the unintended consequences of debt.

For those folks, if there is a pot at the end of the rainbow, it’s going to be empty.

And, most likely, those of us who have worked hard to maintain financial stability, not incur any unnecessary debt and seen to it that we have a retirement plan in place will end up sharing what little we have in our pots.

I’m just saying…