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The Dark Side of Student Loans
Issue #528, June 25, 2018

The Cost of Out-sourcing Convenience
Issue #527, June 18, 2018

Social Security: 66 or 70?
Issue #526, June 11, 2018

Student Loans: There’s (Unfortunately) a Lot More!
Issue #525, June 04, 2018

Co-signing a Note
Issue #524A, May 31, 2018

The Knight Frank Luxury Index and Collectables
Issue #524, May 28, 2018

The Importance of Diversification: The Myth of Diversification
Issue #523, May 21, 2018

How to Save Thousands on Your Food Bill
Issue #522, May 14, 2018

MoviePass and Other Things
Issue #521A, May 10, 2018

Degree Inflation, Long Training Periods, and “Certification”  Part III
Issue #521, May 07, 2018

Degree Inflation, Long Training Periods, and Certification” Part II of III
Issue #520, April 30, 2018

Follow-up on Several Things
Issue #519A, April 25, 2018

Degree Inflation, Long Training Periods, and “Certification”: Part I of II
Issue #519, April 23, 2018

The Kids Birthday Party Hustle
Issue #518A, April 18, 2018

A Pension Question: Part II of II
Issue #518, April 16, 2018

A Physician is an Executive
Issue #517A, April 11, 2018

A Pension Question: Part I of II
Issue #517, April 09, 2018

Is the Correction Over?
Issue #516A, April 05, 2018

Used Car Dealers, Student Loans, the Chinese, and Uncle George’s Rule
Issue #516, April 02, 2018

Starter Homes
Issue #515, March 26, 2018

Redecorating: Beware!
Issue #514, March 19, 2018

NASDAQ Closes at Record High
Issue #513, March 12, 2018

A 40% Chance
Issue #512, March 05, 2018

Several Things
Issue #511, February 27, 2018

Human Capital, Education and Wealth
Issue #510, February 19, 2018

Another Stock Market Update
Issue #509A, February 18, 2018

Some Thoughts on Savings
Issue #509, February 12, 2018

A Stock Market Upfate
Issue #508S, February 10, 2018

Who Can You Trust? Part II of II
Issue #508, February 05, 2018

The Christmas Decoration Pre-worn Jeans Hustle
Issue #Interim Bulletin #507A, February 03, 2018

2018 Outlook for Financial Markets
Issue #507, January 29, 2018

Who Can You Trust? Part I of II
Issue #506, January 22, 2018

Life Insurance Settlements
Issue #505, January 15, 2018

Commodities and Buying the Breakout
Issue #504, January 08, 2018

Buffett Wins His Bet
Issue #503A, January 04, 2018

Practice Real Estate and Free Agency
Issue #503, January 01, 2018

Outlook for 2018: Part III: Stocks and Bonds
Issue #502, December 25, 2017

My Outlook for 2018: Part Ii: Precious Metals
Issue #501A, December 21, 2017

Outlook for 2018: Hard Assets: Part I of III
Issue #501, December 18, 2017

More Thoughts on Bitcoin
Issue #500A, December 14, 2017

Fees and Good Relations with Bankers
Issue #500, December 11, 2017

Salvator Mundi
Issue #499A, December 07, 2017

Should You Rent or Own a Home?
Issue #499, December 04, 2017

A Gift Subscription
Issue #Interim Bulletin #498A, December 02, 2017

Stocks vs Real Estate: Asset Allocation: Part II of II
Issue #498, November 27, 2017

When Good Enough is Fine
Issue #497A, November 22, 2017

Stocks vs Real Estate: Asset Allocation. Part I of II
Issue #497, November 20, 2017

The Saudi Arrests and the Perils of Foreign Investing
Issue #496, November 13, 2017

Gambling and Las Vegas
Issue #495, November 06, 2017

Some Tips on Auto Insurance
Issue #494, October 31, 2017

Bitcoin and the Digital (Crypto) Currencies
Issue #493, October 23, 2017

The Coming Bear Market: Part II How to Prepare
Issue #492, October 16, 2017

Some Observations on Cemeteries
Issue #Interim Bulletin #491A, October 12, 2017

The Coming Bear Market: Part I: The Myth of Buy and Hold Forever
Issue #491, October 09, 2017

The Market makes New Highs
Issue #490, October 02, 2017

The Importance of a New High
Issue #489, September 25, 2017

A Little Insurance: Wealth, War and Wisdom
Issue #488, September 18, 2017

Some Observations
Issue #487, September 11, 2017

How to be Successful in Your Career
Issue #486A, September 07, 2017

How NOT to Buy a Home
Issue #486, September 04, 2017

This Week in the Market
Issue #485, August 28, 2017

Is the “Trump Bump” Running Out of Gas?
Issue #484, August 21, 2017

Gold is on the Move
Issue #483, August 14, 2017

The Importance of Estimation
Issue #482, August 07, 2017

Buying Art and Collecting: Part II of II
Issue #481, July 31, 2017

Buying Art and Collecting in General, Part I of II
Issue #480, July 24, 2017

Physicians need to be More Forceful: Follow-up
Issue #479, July 17, 2017

Physicians need to be More Forceful
Issue #478, July 10, 2017

Your First “Real” Investment
Issue #477, July 03, 2017

Leasing a Watch: Don’t
Issue #476, June 26, 2017

The Importance of Your Children having a Job
Issue #475, June 16, 2017

The Problem with Medical Student Debt is—the Med Schools
Issue #474, June 12, 2017

Critters and Varmints in your Home and Yard
Issue #473A, June 07, 2017

Leveraged ETFs
Issue #472, May 29, 2017

Leasing a Vehicle: Don’t!
Issue #471, May 22, 2017

Issue #470, May 15, 2017

More on Buying Jewelry
Issue #469, May 08, 2017

Buying Jewelry: Gold, Diamonds and Pearls
Issue #468, April 30, 2017

Thomas Sowell: Part III of III
Issue #467, April 24, 2017

Thomas Sowell: Pat II of III
Issue #466, April 17, 2017

Live Close to Where You Work
Issue #465, April 10, 2017

Medtronic in Hospital Management
Issue #Interim Bulletin #464A, April 07, 2017

Thomas Sowell: Part I of II
Issue #464, April 03, 2017

A Political Contribution a an Investment: Part II of II
Issue #463, March 27, 2017

A Political Contribution as an Investment: Part I of II
Issue #462, March 20, 2017

Buffett Selling Vacation Home
Issue #461, March 13, 2017

Advanced Placement (AP) ourses
Issue #460, March 06, 2017

The Importance of a Credit History
Issue #459A, March 02, 2017

A Credit Card Scam
Issue #459, February 27, 2017

The Electronic Health Reord
Issue #458, February 20, 2017

Issue #457, February 13, 2017

Platinum and Palladium
Issue #456, February 06, 2017

Economic Outlook for 2017: Part II of II
Issue #455A, February 02, 2017

Economic Outlook for 2017: Part I of II
Issue #455, January 30, 2017

A Story From Vegas
Issue #454A, January 25, 2017

Land Donation Deals and the IRS
Issue #454, January 23, 2017

The Theory of Gambler’s Ruin
Issue #453, January 16, 2017

Student Loans: But Wait, There’s More!
Issue #452, January 13, 2017

A Second Home
Issue #Interim Bulletin #451A, January 04, 2017

The Consumer Confidence Index
Issue #451, January 02, 2017


By Robert M. Doroghazi, M.D., F.A.C.C.

Some Observations on Cemeteries

Issue #Interim Bulletin #491A, October 12, 2017

    Between 1913 and 1928, Joseph and Elizabeth Doroghazi had 9 live births, Only 3 lived to adulthood. Dad (b 1917), Uncle Steve (b 1919) and Uncle George (b 1925). Five died shortly after birth or within the first year. The other died at age 4 in 1931 (I believe of diphtheria).
    Last weekend I went back to the Granite City, IL area just to visit places I hadn’t seen in a long time. The 6 Doroghazi infants and children were buried in St. Marks Cemetery, within a 5 minute walk of where we lived on E. 27th until we moved when I was 5 in 1956. The last burial in the cemetery was 1938. Shortly after WW II, it was abandoned and vandalized. It is really quite sad to see the cemetery now. An area about the size of 2 football fields: no trees, no bushes, no shrubs, totally flat, grass (weeds) trimmed: one gravestone about 8 feet tall and with 2 adjacent flat stones. And that’s it. The remains of at least 1,500 people in a field with nothing else to show them respect.
    Marriage is not inevitable. Having children is not inevitable. Even paying taxes is no longer inevitable. The only thing you are sure will happen after birth is that you will die. Here are my suggestions to help you prepare for that time.
    1) If your religion or customs dictate your remains be disposed of in some way, this, of course, must be respected.
    2) Here is the main point of this discussion. If you have already made arrangements to be buried, or that is your plan: what is the guarantee the cemetery will be maintained? The “residents” sure aren’t going to be paying dues: there must be some kind of endowment or income stream to maintain the property.
    A national military cemetery, Arlington, Jefferson Barracks, etc, will be maintained as long as there is a United States of America. The same will hopefully be the case for the cemetery of any government entity.
    Religious cemeteries are very problematic. Will the congregation be there 50 years from now? 20 years? Craig Arthur Doroghazi, my older brother, was born in November, 1948, and died at 4 days. The religiously-affiliated cemetery where he is buried in Edwardsville, IL was abandoned long ago. In 2014, Diane and I were unable to find the grave. My mother’s father John Kish died when she was 5 in 1925. The religiously-affiliated cemetery where he is buried in Belleville, IL is abandoned and derelict.
    Some cemeteries are operated by for-profit chains. What are the guarantees there will be money after all of the plots are sold? What if the company, some that are publically traded, goes bankrupt?
    Columbia Cemetery is how a cemetery should be operated. They have excess land that is rented out to provide an income stream to maintain the cemetery.
    3) There are few things more expensive than emotion. You buy a plot in a cemetery, and spend $10,000 on the casket and burial. The brutal truth is that all graves are eventually abandoned and vandalized. And this includes the most magnificent tomb ever, the Great Pyramids.
    4) Some time ago I read an article about the Gypsies. Their religion says that a person’s spirit survives as long as someone is alive who remembers them. When that person dies, then the person’s spirit is no more. That’s how I would consider a burial. By the generation of the great grandchildren, almost nobody gives a darn. Have any of you ever visited the grave of a great grandparent? Can you even name all of your great grandparents?
    5) I am going to be cremated.
    There have been issues with some subscribers not receiving the notification that a newsletter has been posted. My apologies: we are working on that. Your log-in should still work. If you don’t receive notices, please contact me at the email listed at the top of page 1. You, of course, can also log into the website at any time to read any newsletter.           



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