Archive for Other


Adam Smith wrote about the “Invisible Hand” in 1776 explaining about the free market economy.

Later in 1942 Joseph Schumpeter wrote about “creative destruction” as free market’s way of delivering progress.

Both of these economic principles were presented beautifully in a May 20, 2017 article in Barron’s. The title, What the Rise of Robo–Cars Means for Everything Else.


If standard of living is your major objective, quality of life almost never improves, but if quality of life is your number one objective, your standard of living almost always improves.

- Zig Ziglar –

The quality of a person’s life is in direct proportion to his or her commitment to excellence, regardless of his or her chosen field of endeavor.

- Zig Ziglar –

Get Paid for Your Opinion by Paul Ferraresi

Your 2 cents can be worth a whole lot more for you… up to $100. Yes, simply for taking part in a focus group for an hour or two, and, as much as $10 for completing online surveys.

A good starting point to get paid for your opinion includes… and also…

At and you can get paid for being an online “test juror” in court cases preparing for trial.

Sales of Surplus Items by Paul Ferraresi

Here is a great way to save money on brand new items. Hope it is helpful.

Most of the online purchases that are returned each year get restocked by the original seller. But some are handled by online liquidators such as Bling or Bulq, which resell surplus and “gently used” apparel, household goods, electronics and other merchandise at up to 70% off retail. For pallets of goods or truckload-sized lots, find bigger savings from B-Stock Solutions, and Via Trading.

Review Your Homeowner’s Policy

Proximity to a firehouse is just one variable in determining the cost of insurance coverage that protects your home in the event of a fire, theft, accident or natural disaster.

In a survey of 1,001 consumers in April, the Travelers Co. found that just over half of the respondents (56%) in 2016 said they check their homeowner’s policies at least once a year.

One easy way to save on your premiums is by bundling insurance policies. Consumers could save an average of $314 per year by combining their auto and home, condominium or renters policies with the same insurer.

Combining other types of insurance products, such as life insurance or an umbrella policy, may qualify for a bundling discount as well. The more insurance you stack on, or give to one insurance company, the more likely they are to give you discounts.

Home improvements including the roof, windows, electrical or plumbing systems may also qualify for a premium discount.

Installing a security system, particularly one that automatically dials the police or fire department can qualify for a 5% to 10% premium discount as well.

Discounts might be available for homes with features that mitigate against wind damage, such as hurricane shutters, impact resistant windows and doors or roof straps.

There are plenty of other lesser known discounts that might be available, depending on the insurance company, from being a non smoker to owning a home built with “green” features like Energy Star appliances or sustainable materials like bamboo.

There are two other ways to reduce your homeowner’s insurance premium, although they don’t technically qualify as discounts. The first is to raise your deductible. The second is to maintain good credit. Customers with poor credit could pay twice as much for insurance as those with excellent credit.

“Failure is a detour,
not a dead-end street.”

-Zig Ziglar