16 Comments

  2. Hello Catherine, If the internet goes down, is there a way to use the Gold and Silver calculator? Is it possible to download it to be able to use it? Thank you, Lisa

  3. About homeschooling, I think the majority of homeschool families used to be opposed to institutional education on principle (religious or, rarely, political) or for practical reasons (due to some injury to their children). I believe most took homeschooling very seriously. In fact,I never met a homeschool parent who didn’t.

    We are into another generation of parents now who grew up with the interwebs. Soon we’ll have the next generation of parents that, horrors, grew up with smart phones.

    These new generations are oblivious to the dangers of electronic babysitters. They do not understand the harm they are doing to their children. It is absolutely astonishing, and depressing.

    We always say the best decision we ever made was homeschooling, and a close second was getting rid of the tv. In fact, we couldn’t have effectively homeschooled with a tv in the house. We also didn’t have a computer for the children until they were teenagers, and that was severely limited.

    Parents must get rid of both since these electronic babysitters are an extension of govt and govt schooling. And the technology is inherently damaging, it pretty much doesn’t matter what they’re watching.

    I’m trying to convince my son in law that children shouldn’t have smart phones. He said that as soon as they take a school bus, they need one. I said, “First of all, why would your children take a school bus? For most of my schooling, we didn’t. And when we finally did, obviously none of us had smart phones. Some how we survived.” I could tell he never thought about that before. Wow. It’s the fish not noticing the water.

  4. I have to disagree with paying off your mortgage as a generic strategy. The fixed rate mortgage has been fantastic for most families, especially at low rates. It’s the only thing that protects against inflation for the average person, and also can afford protection against confiscation, since generally, the bank has the larger claim to the asset.

    For many people retiring, it’s probably a good strategy to pay the mortgage off since it would be easier to hold onto your primary residence being free and clear.

    However, if you’re still working and career prospects are ok, in other words, your income is secure, better to spend the cash on assets, ie another house, collectibles, etc.

    1. Cathy:

      I agree that it should not be a generic strategy. If you have the earning capacity to cover the mortgage in a reasonable worst case, it is much more attractive to continue to operate the leverage. It comes down to the risks you are comfortable living with.

      Catherine

  5. Gives us an update on bitcoin/crpto investing for the future. Also an update on cbdc and how to avoid it and ubi. thank you

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