Dealing with people’s money, like running a restaurant, provides a unique insight into human nature. I wrote about this for several years in a monthly column, NOTES FROM A FINANCIAL PLANNER, published by The Real Estate Magazine. In those years I was constrained by the legal requirements of my profession. Here you will get the unconstrained version. I hosted a financial talk show, MONEY TALKS, on KMFB, a Mendocino radio station. Some of those shows were taped and you might find a few clips posted on this site. Anything and everything having to do with money is fair game. Stay tuned!

Do We Really Need This Tax Cut? Just Askin’

  [Click on Blue links for sources more information]   NOTE:  Treasury Secretary Steve Mnuchin and his wife celebrate the first batch of dollar bills with his signature in the Feature Picture above.  Mnuchin, who supports the current tax cut, made millions... read more

Death and Taxes

  [Click on BLUE link for sources and more information]   Nothing in this world can be said to be certain, except death and taxes. Benjamin Franklin   The only difference between death and taxes is that death doesn’t get worse every time Congress meets.... read more

Inside the Hologram

[Click on the BLUE links for sources and further information]   The Vision of Christ that thou dost see Is my Vision’s Greatest Enemy. Thine has a great hook nose like thine; Mine has a snub nose like to mine. Thine is the friend of All Mankind; Mine speaks in... read more

What is the Economic Impact of Natural Disasters?

  [Click on BLUE LINKS for further information and sources]   It depends on what the meaning of “is” is.  Bill Clinton   [Note: Make sure to read the last paragraph all the way to the bottom.]   Before I was a restaurateur, before I was a financial... read more

The Downside of Inheritance

  Matthew 16:26 For what is a man profited, if he shall gain the whole world, and lose his own soul?   Some people are born on third base and go through life thinking they hit a triple.  Barry Switzer   “Money isn’t everything,” said my mother, “but it... read more

Short Fiction: Madge

  Madge and Walter.  They lived in an apartment close to the office.  I’d see them walking sometimes, Madge sprinting out in front at a furious pace.  Walter following behind tangled up with Junior, their slobbering Basset Hound.   Walter was a heart attack... read more

Tough Love

  The stories I will tell now are true or mostly true.  I’ve changed the names and taken some liberty with the details.  There are things you need to know.  It isn’t easy to tell anyone that they are living in an illusion, that they have unrealistic expectations,... read more

Funny Money

  Financial advisors would have you believe they inhabit an arcane world of alphas and betas and that they and they alone can navigate the mysteries of modern portfolio theory.  The reality is a bit different.  Let me tell you about an average day in the life of... read more


[click on blue links for further information] Dickens Quotes courtesy of The Telegraph   “Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual... read more

What I’m Reading November 22, 2016

The following links provide information from third party sources.  They do not represent the views of Think in the Morning.  What I’m Reading provides a variety of opinions on important matters of interest to normal and abnormal people who are willing and able... read more

What I’m Reading September 25, 2016

Why Blog ? The Benefits of Writing by Ben Carlson Jennifer Egan on Writing, the Trap of Approval, and the Most Important Discipline for Aspiring Writers Money Thoughts Reckoning Comes for U.S. Pension Funds as Investment Returns Lag The Pension Gap Inequality is... read more