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What went wrong with retirement planning? If you participate in a “Defined Contribution” retirement plan, you should know how it came about and what it really means, especially the risks. How it began. Back in the heyday of the Industrial Age about 70% of workers in the West were employees. And many government and corporate...Continue reading

The smaller the business, the harder it is to access affordable funding. That's a fact well-demonstrated by the graph below. The fundamental problem lies in the relationship between high perceived risks and potentially low returns from investments in small, community-based businesses (tech startups are excluded from our definition of "small business"). But does it have...Continue reading

Is minimalism right for you? Are you wondering if minimalism could make you happier? Here are three simple, quick and easy steps to test the possibility;  Choose a few items that you seldom use. Wrap them in one or more gift parcels. Give them to others less fortunate. When the experiment is complete ask yourself...Continue reading