Newsletter Archive
Issues older than 90 days
How Long does it take to get your money back in the Stock Market?
Issue #561, February 11, 2019
Economic Outlook for 2019
Issue #560, February 04, 2019
On Being a Physician
Issue #559A, January 30, 2019
Farsighted Decision Making” Part II
Issue #559, January 28, 2019
Making Farsighted Decisions: Part I of II
Issue #558, January 22, 2019
More Thoughts on Retirement
Issue #557, January 14, 2019
Trends in Medicine
Issue #556, January 07, 2019
My Outlook for 2019: Part II of II
Issue #555, December 31, 2018
My Outlook for 2019; Part I of II: The Fed Messed Up
Issue #554, December 24, 2018
Accountants and Tax Deductions
Issue #553A, December 20, 2018
Home Office Tax Deduction
Issue #553, December 17, 2018
Getting Into Harvard
Issue #552, December 10, 2018
Postal Rates are Going Up
Issue #551A, December 03, 2018
Palessi Shoe Prank
Issue #551, December 03, 2018
How to Get Ahead: Hustle
Issue #550, November 26, 2018
Reverse Mortgages
Issue #549, November 19, 2018
High Dividend Stocks
Issue #548, November 12, 2018
Bad Blood and Theranos: Part III
Issue #547, November 06, 2018
Bad Blood and Theranos: Part II of III
Issue #546, October 29, 2018
Bad Blood and Theranos: Part I
Issue #545, October 22, 2018
Electric Scooters
Issue #544, October 15, 2018
The Breakout in Interest Rates
Issue #543, October 08, 2018
Skin in the Game: Pat II
Issue #542, October 01, 2018
Skin in the Game
Issue #541, September 24, 2018
The Precious Metals: I: Time for a Rally, II:But?
Issue #540, September 17, 2018
What People Wanr
Issue #539, September 10, 2018
Ride the Bull
Issue #537, September 04, 2018
Free Med School Tuition
Issue #537, August 27, 2018
Wealth in America
Issue #536, August 20, 2018
The Politicization of Student Loans
Issue #535A, August 16, 2018
Currencies and Trade Wars
Issue #535, August 13, 2018
Stuff
Issue #534, August 06, 2018
More on Retirement: Do You Have Enough?
Issue #533, July 30, 2018
More on Physicians Gaining Respect
Issue #532A, July 26, 2018
Physicians and Repect
Issue #532, July 23, 2018
Strange Things in the Precious Metals
Issue #531, July 17, 2018
Buying Years of Retirement
Issue #530, July 09, 2018
Rent-A-Kid for Retirement
Issue #529, July 02, 2018
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
Follow-up on Several Things
Issue #519A, April 25, 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
Escheat
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
Contracts
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
Social Security
Issue #450, December 26, 2016
My Outlook for 2017: Part II of II
Issue #449, December 19, 2016
My Outlook for 2017: The Market
Issue #448, December 12, 2016
Medicine in 20 Years
Issue #447, December 05, 2016
Higher Interest Rates
Issue #446, November 28, 2016
Trump and the Markets: The Bad and Ugly
Issue #445A, November 23, 2016
Trump and the Markets: The Good
Issue #445, November 21, 2016
Negative Trends: The Suits aren’t Makin’ Steel
Issue #444, November 16, 2016
The New DOJ Fiduciary Rule
Issue #443, November 07, 2016
Barron’s Conference, Part IV of IV
Issue #442, October 31, 2016
Barron’s Conference, Part III of IV
Issue #Interim Bulletin #441A, October 26, 2016
Barron’s Conference, Part II of IV
Issue #441, October 24, 2016
Barron’s Conference, Part I of IV
Issue #440, October 20, 2016
This Newsletter
Issue #439A, October 12, 2016
Memoirs of US Grant: Vol II
Issue #439, October 10, 2016
More Points on Collecting, Investing and the Economy
Issue #Interim Bulletin #438A, October 05, 2016
Personal Memoirs of US Grant
Issue #438, October 03, 2016
Ideas for a High School Part-Time Job
Issue #Interim Bulletin #437A, September 29, 2016
Collecting, Investing, and the Economy
Issue #437, September 26, 2016
Free College
Issue #436A, September 22, 2016
A Military Commitment to Pay for Med School
Issue #436, September 19, 2016
When a CD isn’t a CD
Issue #435, September 12, 2016
I Made a Mistake
Issue #Interim Bulletin #434A, September 07, 2016
What is Your Spare Time Worth?
Issue #434, September 05, 2016
Credit Cards and Bonus/Loyalty Points
Issue #433, August 29, 2016
The Write-off of Student Loans
Issue #Interim Bulletin #432A, August 25, 2016
412 Retirement Plans
Issue #432, August 22, 2016
Join the Club
Issue #Interim Bulletin #431A, August 18, 2016
The Case for Precious Metals and Hard Assets
Issue #431, August 15, 2016
When the US went off the Silver Standard
Issue #430, August 08, 2016
Why NOT to Open a Restaurant
Issue #429, August 01, 2016
Some Tips on Life Insurance
Issue #428, July 25, 2016
More Observations on Negative Interest Rates
Issue #427, July 18, 2016
Embezzlement
Issue #426, July 11, 2016
Is a PhD Worth It? Part II of II
Issue #425, July 04, 2016
Is a PhD Worth It? Part I of II
Issue #424, June 27, 2016
Avoid Part-time real Estate Agents
Issue #423, June 20, 2016
The VIX
Issue #422, June 13, 2016
The Problem with Auction Reserves
Issue #421, June 06, 2016
Make Full Use of Your Capital Investments
Issue #420, May 30, 2016
The Fed’s Announcement
Issue #419, May 23, 2016
Quit While You’re Ahead: A True Story
Issue #418, May 16, 2016
The Precious Metals
Issue #417, May 09, 2016
Negative Secular Trends: Part Ii of II
Issue #416, May 02, 2016
Negative Secular Trends: Part I of II
Issue #415, April 25, 2016
Not Winning is not the same as not Losing
Issue #414, April 19, 2016
Behavioral Economics: Part II: Weaknesses
Issue #413, April 11, 2016
Behavioral Economics: Part I: Valid Points
Issue #412, April 04, 2016
The Most Important Books I’ve Read
Issue #411, March 28, 2016
Secret to Success: Take Risks and do Things Differently
Issue #410, March 21, 2016
The Over-Priced Food Presentation Hustle
Issue #409, March 14, 2016
The War on Cash
Issue #408, March 07, 2016
Precious Metals: Don’t Jump in Yet
Issue #407, February 29, 2016
The Bear is Growling
Issue #406, February 22, 2016
The Importance of Showing Respect
Issue #405, February 15, 2016
The 80-20 Rule of Thumb Pareto Principle
Issue #404, February 08, 2016
Some Tips on Commercial Real Estate
Issue #403, February 01, 2016
Economic Outlook for 2016
Issue #402, January 25, 2016
Selling Short: Part II of II
Issue #401, January 18, 2016
Short-Selling. Part I. How it Works
Issue #400, January 11, 2016
Who Can You Trust, and How to Spot a Con Man
Issue #399, January 04, 2016
Outlook for 2016: Part II of II
Issue #398, December 28, 2015
My Outlook for 2016, Part I of II
Issue #397, December 21, 2015
Want to Live a Long Time?
Issue #396, December 14, 2015
Some Tips on Retirement
Issue #395, December 04, 2015
Negative Interest Rates
Issue #394, November 30, 2015
What if the US Dollar Breaks to New Highs
Issue #393, November 23, 2015
How to Decrease Student Debt by 25%
Issue #392, November 16, 2015
The Importance of Buying Life Insurance when you are Young
Issue #391, November 09, 2015
Barron’s Conference, Part II of II
Issue #390, November 02, 2015
Barron’s Conference, Part I of II
Issue #389, October 26, 2015
Unrealistic Goals Encourage Cheating
Issue #388, October 15, 2015
How to Beat The S&P 500 by 5% Per Year
Issue #387, October 12, 2015
The New ICD-10 Codes
Issue #386, October 05, 2015
More Points on Collectables: Books
Issue #384, September 28, 2015
15-Year Trailing Returns: The Next Bull Market
Issue #384, September 21, 2015
The Gordian Knot: Alexander and Bureaucracy
Issue #383, September 14, 2015
The Next Bear Market
Issue #382, September 07, 2015
The Hack of Ashley Madison
Issue #381, August 31, 2015
The Government’s War on Cash
Issue #380, August 24, 2015
Don’t Sell Your Future
Issue #379, August 17, 2015
The Gold/Housing Ratio
Issue #378, August 10, 2015
The Commodity Smackdown
Issue #377, August 03, 2015
Buying Your Company’s Stock
Issue #376, July 27, 2015
More Reasons to Avoid Whole Life Insurance
Issue #375, July 20, 2015
The Forgotten Depression: 1921, Part II
Issue #374, July 13, 2015
The Forgotten Depression: 1921, Part I
Issue #373, July 06, 2015
The Consumer Price Index
Issue #372, June 29, 2015
More Comments on Goodwill and Reciprocity
Issue #371, June 22, 2015
Rising Interest Rates
Issue #370, June 15, 2015
A New Thought on Recreational Land
Issue #369, June 08, 2015
Yet Another Problem With Physicians and Their Investments
Issue #368, June 01, 2015
1) The Precious Metals 2) Robo Investing
Issue #367, May 25, 2015
Importance of Defining a Goal and Thinking Strategically
Issue #366, May 18, 2015
The Hospital Chief Medical Officer
Issue #365, May 11, 2015
The Stock Market
Issue #364, May 04, 2015
The Problems With Low Interest Rates
Issue #363, April 27, 2015
Who Can You Trust?
Issue #362, April 20, 2015
Recommendations When Leaving Practice
Issue #361, April 13, 2015
Thoughts on Long-Term Care Insurance
Issue #360, April 06, 2015
Ways to Value the Stock Market
Issue #359, March 30, 2015
A Candid Discussion of Obesity
Issue #358, March 23, 2015
The Soaring US Dollar
Issue #357, March 16, 2015
Roth IRAs: Will the Government Renege?
Issue #356, March 09, 2015
High Hospital Administrator Salaries: A Conflict of Interest?
Issue #355, March 02, 2015
A Nation Wholly Free of Debt: Lessons for Today
Issue #354, February 23, 2015
A Nation Wholly Free, Part II of III
Issue #353, February 16, 2015
A Nation Wholly Free of Debt: Part I
Issue #352, February 09, 2015
The Swiss Franc and Currency Wars
Issue #351, February 02, 2015
College 529 Plans: Mr. Obama’s Proposal
Issue #350, January 26, 2015
Economic Outlook for 2015
Issue #349, January 19, 2015
Refinancing Student Loans: The Private Option
Issue #348, January 12, 2015
Home Warranty
Issue #347, January 05, 2015
Being the Executor of an Estate
Issue #346, December 29, 2014
My Outlook for 2015: The Stock Market
Issue #345, December 22, 2014
My Outlook for 2015, Part I of II
Issue #344, December 15, 2014
More Review
Issue #343, December 08, 2014
The Importance of Reviewing
Issue #342, December 01, 2014
If It Doesn’t Work, Change It
Issue #341, November 24, 2014
Hom to Choose a Financial Advisor
Issue #340, November 17, 2014
Barron’s Conference, Part III of III
Issue #339, November 10, 2014
Barron’s Conference, Part II of III
Issue #338A, November 05, 2014
Barron’s Art of Successful Investing Conference: Part I of III
Issue #338, November 03, 2014
Why the Fed Must Have Inflation and Keep Interest Rates Low
Issue #337, October 27, 2014
Student Loans: The Next Entitlement
Issue #336, October 20, 2014
Have Commodities and Gold Bottomed?
Issue #335, October 09, 2014
Student Loans: Just When You Thought It Couldn’t Get Worse, Part I
Issue #334, October 06, 2014
Blood May be Thicker than Water, But It Ain’t Thicker than Money
Issue #333, September 29, 2014
The Elitification of American College Students
Issue #332, September 22, 2014
Be a Better Decision Maker: Place a Percentage on Your Estimate
Issue #331, September 15, 2014
Is theCommodity Super-Cycle Over?
Issue #330, September 08, 2014
How Bureaucracy is Strangling Medicine. Part III: Recommendations
Issue #328, August 25, 2014
How Bureaucracy in Strangling Medicine: Part II of III
Issue #327, August 18, 2014
Some Observations on the Market
Issue #326, August 11, 2014
Dealing with Insurance Adjustors
Issue #323, July 21, 2014
Some Tips on How to Study Medicine
Issue #322, July 14, 2014
How the Student Loan Bubble Might End
Issue #321, July 07, 2014
How to Save $100 Per Year Every Year for the Rest of Your Life
Issue #320, June 30, 2014
An Update on the Precious Metals
Issue #319, June 23, 2014
Options: Part II of Ii
Issue #318, June 16, 2014
Options: The Basics: Part I of II
Issue #317, June 09, 2014
Some Advice on Getting a Book Published
Issue #316, June 02, 2014
The Luhn Algorithm
Issue #315, May 26, 2014
The Phone Company Hustle
Issue #314, May 19, 2014
High Frequency Trading
Issue #313, May 12, 2014
How Much Should You Help Your Children
Issue ##310, April 21, 2014
Pascal’s Wager
Issue ##309, April 14, 2014
Janet Yellen’s Speech
Issue ##308, April 07, 2014
More Lessons from Games of Risk and Your Investments
Issue ##307, March 31, 2014
An Update on the US Dollar, the Federal Reserve and Interest Rates
Issue ##306, March 24, 2014
Warren Buffett’s Model Portfolio
Issue ##305, March 17, 2014
The Triple Package: Why Some Groups Succeed in the US: Part II
Issue ##304, March 10, 2014
The Triple Package: Why Some Groups Succeed in the US: Part I
Issue ##303, March 03, 2014
Some Tips on Selling a Home
Issue ##302, February 24, 2014
A Precious Metals Update
Issue ##301, February 17, 2014
Just Like the Old Gray Mare: You Ain’t What You Used to Be
Issue ##300, February 10, 2014
myRA
Issue ##299, February 03, 2014
Do We Have All the Gold in Fort Knox?
Issue ##298, January 27, 2014
Economic and Financial Outlook for 2014
Issue ##297, January 20, 2014
The Price of Free
Issue ##296, January 13, 2014
The Importance of Having a Patron
Issue ##295, January 06, 2014
My Outlook for 2014: Part II of II
Issue ##294, December 30, 2013
My Outlook for 2014: Part I of II
Issue ##293, December 23, 2013
The Costs of a Burial
Issue ##292, December 16, 2013
Is the Commodity Super-Cycle Over?
Issue ##291, December 09, 2013
Some Advice for Young Physicians
Issue ##290, December 02, 2013
Scarcity: How to Better Manage Your Time and Money: Part II
Issue #289, November 25, 2013
Scarcity: How to Better Manage Your Time and Your Money
Issue ##288, November 18, 2013
The Strategic Use of Debt
Issue ##287, November 11, 2013
The Barron’s Art of Successful Investing Conference Part II of II
Issue ##286, November 04, 2013
Barron’s Art of Successful Investing Conference: Part I
Issue ##285, October 28, 2013
Some Thoughts on the Future of Private Practice
Issue ##284, October 17, 2013
I Applied for Social Security Benefits
Issue ##283, October 14, 2013
Disability Insurance for Physicians-in-training
Issue ##282, October 07, 2013
The Significance of New Highs and New Lows
Issue ##281, September 30, 2013
The US Dollar Index
Issue ##280, September 24, 2013
The Real Mr. Obama
Issue #Issue #279, September 16, 2013
How a House Officer Should Manage Their Finances
Issue #Issue #278, September 09, 2013
How to Make Big Money in a Bull Market: Buy and Hold
Issue #Issue #277, September 02, 2013
Student Loan Forgiveness: A Faustian Bargain
Issue #Issue #276, August 26, 2013
Issue #275
Issue #275, August 19, 2013
Gold: Next Stop: $1,540
Issue #Interim Bulletin 274A, August 13, 2013
Some Thoughts on Collecting: Buy Quality and the Function of Dealers
Issue #274, August 12, 2013
The Correction in the Precious Metals: Is it Over Yet?
Issue #273, August 05, 2013
More Observations on Student Debt
Issue #272, July 29, 2013
The Bankruptcy of Detroit
Issue #271, July 22, 2013
The Match Program
Issue #270, July 14, 2013
Contracts are Important—But!
Issue #269, July 08, 2013
The Precious Metals and Currency Wars
Issue #249, February 18, 2013
Gambling, Part II of II, How to Beat the House
Issue #248A, February 13, 2013
Gambling, Part I, the House Advantage
Issue #248, February 11, 2013
Being an Expert Witness
Issue #247, February 04, 2013
Revenge of Geography, Part III of III
Issue #246, January 28, 2013
Revenge of Geography, Part II of III
Issue #245A, January 25, 2013
Revenge of Geography, Part I of III
Issue #245, January 21, 2013
Don’t Lose Faith (in Gold)
Issue #244, January 14, 2013
Satisfaction Surveys, IRA Conversion and Bank Fees
Issue #243, January 06, 2013
Wedding as an Investment: Follow-ip
Issue #242, December 31, 2012
A Wedding as an Investment
Issue #241, December 24, 2012
My Outlook for 2013, Part II of II
Issue #240, December 17, 2012
My Outlook for 2013, Part I of II
Issue #239, December 10, 2012
A Bear Raid
Issue #238, December 03, 2012
How to be a Good Decision Maker
Issue #237, November 26, 2012
Debt is Slavery
Issue #236, November 19, 2012
How Will the Election Affect the Markets
Issue #235, November 12, 2012
Barron’s Conference, Part III of III
Issue #234, November 05, 2012
Barron’s Conference, Part II of III
Issue #233A, October 31, 2012
Barron’s Conference, Part I of III
Issue #233, October 29, 2012
Some Thoughts About the Future of Medicine
Issue #232, October 22, 2012
Investing Ideas from Everyday Life
Issue #231, October 15, 2012
Diamonds
Issue #230, October 08, 2012
Silver
Issue #Issue #229, October 01, 2012
Annuities
Issue #Issue #228, September 24, 2012
Measure Your Wealth in Ounces of Gold
Issue #Issue #227, September 17, 2012
The Fiscal Cliff
Issue #Issue #226, September 10, 2012
The Rare Earths
Issue #Issue #225, September 04, 2012
Giving Unsolicited Medical Advice
Issue #Issue #224, August 27, 2012
A Breakout of the Precious Metals
Issue #Interim Bulletin #223A, August 22, 2012
A Variety of Things
Issue #Issue #223, August 20, 2012
Investing in Farm Land
Issue #Issue #222, August 13, 2012
An Education as an Investment
Issue #Interim Bulletin #221B, August 10, 2012
An Education as an Investment, Part II of III
Issue #Interim Bulletin #221A, August 08, 2012
An Education as an Investment, Part I of III
Issue #Issue #221, August 06, 2012
Your Yard as Productive Agricultural Land
Issue #Issue #220, July 30, 2012
Low Interest Rates and Deflation
Issue #Issue #219, July 23, 2012
Interest Rates and the Stock Market: Is Deflation Winning?
Issue #Issue #218, July 16, 2012
Lessons From Depression of 1837, Part II of II
Issue #Interim Bulletin #217A, July 11, 2012
Commodities May Have Bottomed
Issue #Interim Bulletin #216A, July 03, 2012
Are Expensive Schools Really Worth the Money?
Issue #Issue #216, July 02, 2012
Why You Should Subscribe to This Newsletter
Issue #Issue #215, June 25, 2012
Another Negative Secular Trend, High Administrator Salaries
Issue #Issue #214, June 18, 2012
The Coming Crisis and Case for Physical Gold
Issue #Interim Bulletin #213A, June 13, 2012
Some Tips on Buying a Car
Issue #TPIN #212, June 04, 2012
The federal Reserve’s Playbook
Issue #TPIN #211, May 28, 2012
Some Thoughts on Pension and Retirement Accounts
Issue #TPIN #210, May 21, 2012
Key Stocks are Hitting New Lows
Issue #Interim Bulletin #209A, May 15, 2012
Fibonacci Numbers
Issue #TPIN #209, May 14, 2012
Sell Your Losers
Issue #TPIN #208A, May 07, 2012
The Focus of This Newsletter
Issue #TPIN #208, April 30, 2012
Closed-End Funds
Issue #TPIN #206, April 23, 2012
The trend of More and More Applications
Issue #TPIN #205, April 16, 2012
Buying Physical Gold
Issue #Interim Bulletin #204A, April 12, 2012
The Continued Case for Gold
Issue #TPIN #204, April 09, 2012
Being an Introvert, Part III of III
Issue #TPIN #203, April 02, 2012
Being an Introvert, Part II of III
Issue #Interim Bulletin #202B, March 29, 2012
Consider Taking Some Profits
Issue #Interim Bulletin #202A, March 28, 2012
Being an Introvert, Part I of III
Issue #TPIN #202, March 26, 2012
Some Thoughts on Giving Money to Your Family
Issue #TPIN #201, March 19, 2012
Watcg Commodity Prices
Issue #TPIN #200, March 12, 2012
Buying a Single-Family Rental Home
Issue #TPIN #199, March 05, 2012
When Can You Buy a House
Issue #TPIN #198, February 27, 2012
Should a Graduating Medical Student Buy a House
Issue #TPIN #197, February 20, 2012
The Bond Bubble
Issue #Interim Bulletin #196A, February 13, 2012
How to Beat the Market, Be Good and be Totally Devoted, Part I of II
Issue ##196, February 13, 2012
Counter-Party Risk, Clearing Agent and Re-hypothication
Issue ##195, February 06, 2012
Price, Price, Price
Issue ##194, January 30, 2012
Today’s Fed Announcement
Issue #Interim Bulletin #193A, January 25, 2012
Why Dividends Will Increase
Issue ##193, January 23, 2012
Lessons from Granite City Steel
Issue ##192, January 16, 2012
Lessons from my High School Job
Issue ##191, January 09, 2012
Advice for the Young Investor
Issue ##190, January 02, 2012
A Bear Market
Issue ##189, December 26, 2011
The Secret to Success
Issue ##188, December 19, 2011
Barron’s Conf., Part III
Issue #TPIN #182, November 07, 2011
Barron’s Conf, Part II
Issue #Interim Bulletin #181A, November 03, 2011
Barron’s Art of Successful Investing Conf., Part I
Issue #TPIN #181, October 31, 2011
Putting Things in Perspective
Issue #TPIN #180, October 24, 2011
Finances of an Aging Parent
Issue #TPIN #179, October 17, 2011
Part IV, How It will End, How to Protect Yourself
Issue #TPIN #178, October 10, 2011
How to Resolve Our Problem, Historical Perspective, Pat I
Issue #TPIN #177, October 03, 2011
Arbitrage
Issue #TPIN #176, September 26, 2011
Safety of Your Money
Issue #Interim Bulletin #175B, September 21, 2011
Newmont and Freeport
Issue #Interim Bulletin #175A, September 20, 2011
Best Return: Pay Off Debt
Issue #TPIN #175, September 19, 2011
Reciprocity and Pramatism
Issue #TPIN #174, September 12, 2011
The German Stock Market
Issue #Interim Bulletin #173A, September 05, 2011
Taking Profits, The Myth of Buy and Hold
Issue #TPIN #173, September 05, 2011
$20 Gold Piece Then and Now
Issue #TPIN #172, August 29, 2011
Barron’s Roundtable
Issue #TPIN #171, August 22, 2011
Car Guys vs Bean Counters
Issue #TPIN #170, August 15, 2011
Wealth Outside the Banking System
Issue #Interim Bulletin #169A, August 11, 2011
TIPS
Issue #TPIN #169, August 08, 2011
Eight Down Days in a Row
Issue #Interim Bulletin #168A, August 02, 2011
A Variety of Topics
Issue #TPIN #168, August 01, 2011
How Paper Money and Debt Destroy Wealth
Issue #TPIN #167, July 25, 2011
Subscribers’ Comments
Issue #Interim Bulletin #166A, July 20, 2011
The Death of Cash
Issue #TPIN #166, July 18, 2011
Low Interest Rates and Intrinsic Value of Money
Issue #Interim Bulletin #164A, July 11, 2011
Make a Bargain at Once
Issue #TPIN #164, July 11, 2011
How to Avoid a Wipeout, Part II of II
Issue #TPIN #163, July 05, 2011
Observatios on Greee
Issue #Interim Bulletin #162A, June 29, 2011
How to Avoid a Wipeout, I of II
Issue #TPIN #162, June 27, 2011
Some Observations on the Market
Issue #TPIN #161(extra), June 20, 2011
Bureaucracy
Issue #161, June 13, 2011
Drop the Penny
Issue #160, June 06, 2011
Some Thoughts on Dividends
Issue #159, May 30, 2011
Land and Real Estate
Issue #158, May 23, 2011
Some Things to Talk About
Issue #157, May 16, 2011
Co-Signing a Note
Issue #156, May 09, 2011
Being a Contrarian
Issue #155, May 02, 2011
Some Interesting Questions
Issue #146, April 25, 2011
Speaking in Sonoma
Issue #154, April 25, 2011
S&P Issues Credit Alert
Issue #Interim Bulletin #153A, April 18, 2011
The Stock Market: Is it Headed Up or Down?
Issue #153, April 18, 2011
What is Your Spare Time Worth
Issue #152, April 11, 2011
The Precious Metals Have Broken Out
Issue #Interim Bulletin 151A, April 06, 2011
Investing Lessons from the War of 1812
Issue #151, April 04, 2011
Your State Lottery
Issue #150, March 28, 2011
Some Follow-Up
Issue #149, March 21, 2011
Two Points
Issue #Interim Bulletin #148A, March 16, 2011
The Precious Metals
Issue #148, March 14, 2011
The Precious Metals
Issue #148, March 14, 2011
A Rough Day in the Markets
Issue #Interim Bulletin #147A, March 10, 2011
How to Manage Your Finances When You Don’t Like Managing Finances
Issue #147, March 07, 2011
Some Austerity Stories
Issue #145, February 21, 2011
New Highs in the Market
Issue #Interim Bulletin #144A, February 17, 2011
several Observations
Issue #144, February 14, 2011
Investing During a Period of Inflation, Part One (of Two)
Issue #143, February 07, 2011
Opening an Offshore Bank Account
Issue #142, January 31, 2011
The Importance of Studying History: It’s Never Different, Part Three
Issue #141, January 24, 2011
The Importance of Studying History: It’s Never Different, Part One
Issue #140, January 17, 2011
A Correction in the Precious Metals
Issue #Interim Bulletin #139A, January 13, 2011
The Genetics of Being a Successful Investor
Issue #139, January 10, 2011
A Bad Day in the Precious Metals
Issue #Interim Bulletin #138A, January 06, 2011
The Malevolence of Debt: Part Two
Issue #138, January 03, 2011
Two Things
Issue #Interim Bulletin #137A, December 30, 2010
The Malevolence of Debt: Part One
Issue #137, December 27, 2010
A Rough Day in the Precious Metals
Issue #Interim Bulletin #136A, December 22, 2010
My Outlook for 2011: Part Three: The Precious Metals
Issue #136, December 20, 2010
My Outlook for 2011: Part One: Real Estate
Issue #135, December 13, 2010
A Metallic/Commodity-Backed Currency
Issue #134, December 06, 2010
The Precious Metals: Is the Correction Over?
Issue #Interim Bulletin #132A, November 22, 2010
Collectables
Issue #132, November 22, 2010
My Memory
Issue #131, November 15, 2010
The Barron’s Art of Successful Investing Conference, Part Four
Issue #130, November 08, 2010
Oh What a Day
Issue #Interim Bulletin #129B, November 04, 2010
The Barron’s Art of Successful Investing Conference, Part Two
Issue #129, November 01, 2010
Negative Secular Trends in Medicine
Issue #128, October 25, 2010
A View From China
Issue #Interim Bulletin #127A, October 21, 2010
I Missed My Big Chance
Issue #Interim Bulletin #127A, October 19, 2010
Always Buy Quality
Issue #127, October 18, 2010
My Qualifications to Provide Financial Advice
Issue #126, October 11, 2010
Some Things That Still Concern Me
Issue #125, October 04, 2010
Leasing a Car
Issue #124, September 27, 2010
The Precious Metals Have Broken to New Highs
Issue #123, September 20, 2010
MD Wealth Protector
Issue #122, September 13, 2010
The Case for Gold and Silver
Issue #121, September 07, 2010
Bullish on the Precious Metals
Issue #Interim Bulletin #120A, September 03, 2010
The Intrinsic Value of Money: What if we don’t have a Treasury Bubble?
Issue #120, August 30, 2010
Today in the Market
Issue #Interim Bulletin #119A, August 26, 2010
How to Identify Real Opportunities: Blink
Issue ##118, August 16, 2010
A Quick Market Update
Issue #Interim Bulletin #117A, August 12, 2010
What Would You do with $5,000,000?
Issue ##117, August 09, 2010
Gold Was Spanked Last Week: But Why?
Issue ##116, August 02, 2010
Making Money Aside From Your Practice
Issue ##115, July 26, 2010
How Much Should You Save?
Issue ##114, July 19, 2010
The Interest Rate Conundrum Solved
Issue #Interim Bulletin #113A, July 16, 2010
My Response to Obama-Care: Let the Market Set Fees
Issue #113, July 12, 2010
Give Money to Your Family
Issue #112, July 05, 2010
You Need to Raise Some Cash—Now!!
Issue #111C, July 01, 2010
Another Terible Day in the Market
Issue #111B, June 30, 2010
Today in the Market
Issue #111A, June 28, 2010
Interest Rates and Deflation
Issue #110A, June 24, 2010
A Secular Bear Market
Issue #110, June 21, 2010
Gold Glittered Last Week
Issue #109A, June 19, 2010
Donate to Your Medical School Alma Mater
Issue #109, June 14, 2010
The Market is Falling Apart
Issue #108A, June 08, 2010
How Much do you Need to Retire?, Part Two
Issue #108, June 07, 2010
How Much do You Need to Retire?
Issue #107A, May 31, 2010
Two Similar, and Different, Opinions
Issue #106A, May 27, 2010
Some Points on Real Estate
Issue #106, May 24, 2010
My Recommendations
Issue #105B, May 20, 2010
Look Out Below
Issue #105A, May 18, 2010
Lessons from Grandma Nagy
Issue #105, May 17, 2010
My View of the Market
Issue #104A, May 13, 2010
Sell in May and go Away? The Events of Last Week
Issue #104, May 10, 2010
Traditional to Roth IRA Conversion
Issue #103, May 03, 2010
A Book You Should Read
Issue #102A, April 28, 2010
Questions from Subscribers
Issue #102, April 26, 2010
The Precious Metals in a Brokerage Account
Issue #101, April 19, 2010
How to Buy the Precious Metals
Issue #100A, April 14, 2010
An Update on the Precious Metals
Issue #100, April 12, 2010
Other People’s Money
Issue #99A, April 07, 2010
Bonds Have Seen Their Best Days
Issue #99, April 05, 2010
My Opinion on the Health Care Bill
Issue #98A, March 31, 2010
Why it is so Important to Read History
Issue #97A, March 23, 2010
The Importance of New Highs and Lows and the Current Market
Issue #97, March 22, 2010
Some Follow-Up
Issue #96A, March 17, 2010
How Will Social Security End? - Part II
Issue #96, March 15, 2010
This Should Worry You, Because It Worries Me
Issue #95A, March 10, 2010
How Will Social Security End? - Part I
Issue #95, March 08, 2010
Are the People on Wall Street Worth What They Make?
Issue #94, March 01, 2010
A Great Opportunity
Issue #93, February 22, 2010
Several Things
Issue #92A, February 19, 2010
Why I Retired
Issue #92, February 15, 2010
A Quick Update
Issue #91A, February 08, 2010
The Goal of This Newsletter
Issue #90, February 01, 2010
Beware of Envy
Issue #88, January 18, 2010
Should you do a Traditional IRA to Roth IRA Conversion?
Issue #87, January 11, 2010
The Decade in Review: The Myth of Buy and Hold
Issue #86, January 04, 2010
My Outlook for 2010, Part Two
Issue #85, December 28, 2009
My Outlook for 2010 - Part One
Issue #84, December 21, 2009
What Would You Recommend?
Issue #83, December 14, 2009
My Father/Grandpa Nagy Rule
Issue #82, December 07, 2009
Things Just Don’t Add Up
Issue #81, November 30, 2009
The Government Will Increasingly Interfere in Your Life
Issue #80, November 23, 2009
The Barron’s Art of Successful Investing Conference Part IV
Issue #79, November 16, 2009
The Barron’s Art of Successful Investing Conference Part III
Issue #78, November 09, 2009
Barron’s Art of Successful Investing Conference Part II
Issue #77, November 02, 2009
The Barron’s Art of Successful Investing Conference Part One
Issue #76, October 28, 2009
The Chinese Are Buying
Issue #75, October 19, 2009
Gambling
Issue #73A, October 12, 2009
Real Estate: Start Doing Your Homework
Issue #73, October 05, 2009
Condo Time Shares
Issue #72A, September 28, 2009
The Precious Metals
Issue #72, September 21, 2009
The Implications of $1,000 Gold
Issue #71A, September 14, 2009
Buy on Strength: The Precious Metals
Issue #71, September 07, 2009
George Washington’s Leadership Lessons
Issue #69A, August 10, 2009
My View of the Stock Market
Issue #67A, July 13, 2009
My Personal Investing Results
Issue #67, July 06, 2009
Suggested Reading
Issue #66B, June 29, 2009
A Trend That Concerns Me: Longer Training Periods
Issue #66A, June 22, 2009
The Bond Vigilantes are Back Interest Rates are Headed Up
Issue #66, June 15, 2009
The Collapsing US Dollar
Issue #65, June 01, 2009
Part II - How to Invest in the Precious Metals
Issue #64A, May 26, 2009
The Precious Metals: Part One - We Are Still in a Bull Market
Issue #64, May 18, 2009
Baseball Cards: How Information from Any Source Can Provide Investing Ideas
Issue #63A, May 11, 2009
Being Efficient
Issue #63, May 04, 2009
The Importance of Charity
Issue #62A, April 27, 2009
Lessons from Medicine that Apply to the Current Financial Crisis
Issue #62, April 20, 2009
Richard Russell Dinner in San Diego
Issue #61A, April 13, 2009
Why not to Open a Restaurant
Issue #61, April 06, 2009
A Monster Day in Gold
Issue #60A, March 25, 2009
How to Identify the Buying Opportunity of the Generation
Issue #60, March 16, 2009
Is the Concept of a Central Bank Logical?
Issue #59A, March 09, 2009
Why Won’t Doctors Pay for Good Advice?
Issue #59, March 02, 2009
Several Thoughts
Issue #58A, February 23, 2009
Has the Flight From the Dollar Begun??
Issue #58, February 16, 2009
Is Two Trillion Dollars Enough?
Issue #57A, February 10, 2009
How Playing Cards Will Make You a Better Investor
Issue #56, January 19, 2009
The Bubble in Treasuries
Issue #55A, January 08, 2009
Questions from Williamsburg
Issue #55, January 05, 2009
Some Grizzly Year-end Thoughts
Issue #54A, December 29, 2008
A Review of 2008 and Preview of 2009
Issue #54, December 15, 2008
Deflation
Issue #53, December 01, 2008
The Barron’s Art of Successful Investing Conference: Part Three
Issue #52, November 17, 2008
Year-end Tax Considerations
Issue #51A, November 10, 2008
The Barron’s Art of Successful Investing Conference: Part Two
Issue #51, November 03, 2008
The Barron’s Art of Successful Investing Conference: Part One
Issue #50A, October 23, 2008
The Importance of Dividends
Issue #50, October 20, 2008
A Little (Satirical) Humor
Issue #49A, October 08, 2008
The Bottom: We Aren’t There Yet
Issue #49, October 06, 2008
The Bottom: Are We There Yet?
Issue #48, September 15, 2008
Insurance and Security of Your Brokerage Account
Issue #47, September 03, 2008
Gold and Silver Coins are Disappearing
Issue #46A - Interim Bulletin, August 21, 2008
Preparing Your Children for Financial Literacy
Issue #46, August 18, 2008
A Review
Issue #45, August 04, 2008
Inflation, Gold and the Stock Market
Issue #44, July 21, 2008
My View of the Market
Issue #43, July 07, 2008
Inflation, Interest Rates and Housing
Issue #42, June 16, 2008
Wealth, War & Wisdom
Issue #41, June 02, 2008
Embezzlement
Issue #40, May 19, 2008
Beating the Market Part Two: How To Do It
Issue #39, May 05, 2008
Beating the Market Part One: Why You Shouldn’t Try
Issue #38, April 21, 2008
Beating the Market: Part One: Why You Shouldn’t Try
Issue #38, April 21, 2008
Several Observations
Issue #37A, April 08, 2008
A Run on the Bank
Issue #37, April 07, 2008
It’s Getting Ugly
Issue #36, March 17, 2008
It’s Getting Ugly
Issue #36, March 17, 2008
The Current Investment Environment
Issue #35, March 03, 2008
The Current Investment Environment
Issue #35, March 03, 2008
Dealing with Bankers
Issue #34, February 18, 2008
Buying a Boat
Issue #33, February 04, 2008
Buying Art: Part 2
Issue #32, January 21, 2008
Ed Rabinowitz Interview
Issue #31, January 07, 2008
Review of 2007 and Preview of 2008
Issue #30, December 17, 2007
Why NOT to Finance Your Children in Business
Issue #29, December 03, 2007
Barron’s The Art of Successful Investing Conference
Issue #28, November 19, 2007
Barron’s Art Of Successful Investing Conference, Part One
Issue #27, November 05, 2007
The Barron’s Art of Successful Investing Conference Part One
Issue #27, November 05, 2007
Gold and the Precious Metals, Part Two
Issue #26, October 15, 2007
Investing in Gold and the Precious Metals, Part One
Issue #25, October 01, 2007
What to Buy in the Next Bull Market, Part Two
Issue #24, September 17, 2007
What to Buy in the Next Bull Market, Part One
Issue #23, September 04, 2007
Urgent: Check Your Money Market Account
Issue #22A, August 20, 2007
The Sub-Prime Mess and It’s Effect on the Market
Issue #22, August 20, 2007
July 18, 2007, A Day to Remember
Issue #21, August 06, 2007
An Advantageous Way to Sell Short
Issue #20A, July 27, 2007
The Concept of Hedging and Hedge Funds
Issue #20, July 16, 2007
Why is Everything Going Up?
Issue #19, July 02, 2007
Inflation and Interest Rates are Headed Up, Bonds Are Headed Down
Issue #18, June 18, 2007
Exchange Traded Funds, Part Two
Issue #17, June 04, 2007
Exchange Traded Funds (ETF), Part One
Issue #16, May 21, 2007
Do We Have Inflation or Don’t We?
Issue #15, May 07, 2007
A Physician is an Executive
Issue #14, April 16, 2007
The Secret for Making Money in the Market
Issue #13, April 02, 2007
Long-Term Care Insurance
Issue #12, March 19, 2007
When To Sell
Issue #11, March 05, 2007
Go Go Gold
Issue #10A, February 25, 2007
How to Spot a Con Man
Issue #10, February 20, 2007
Speaking in Louisville
Issue #9, February 05, 2007
Investing in For-profit Facilities
Issue #8, January 15, 2007
Why Are People “Ashamed” of Being Thrifty?
Issue #7, January 03, 2007
My Outlook for 2007
Issue #6A, December 30, 2006
Unconventional Success
Issue #6, December 18, 2006
Is This the First Domino?
Issue #5A, December 09, 2006
Uncle George’s Rule, or why Cash is King
Issue #5, December 04, 2006
Barron’s The Art of Successful Investing Conference, Part III
Issue #4, November 20, 2006
Barron’s The Art of Successful Investing Conference, Part II
Issue #3, November 05, 2006
Barron’s The Art of Successful Investing Conference, Part I
Issue #2A, October 30, 2006
Gold and the United States Dollar
Issue #2, October 16, 2006
HELPING PHYSICIANS ATTAIN FINANCIAL SECURITY
By Robert M. Doroghazi, M.D., F.A.C.C.
When I was 6 I went with my dad to cut lawns. When I was about 12 I started to cut them myself. In my junior and senior years in high school I worked more than 30 hours per week as a retail clerk at Graham’s Book Store in Granite City, IL. In the summers between college, and college and med school, I worked at Granite City Steel.
In 2016, I think the best part-time job a teenager, high school, college student could have is to clean houses. As time has gone on, I like cleaning house less and less (see below). The young lady I had for the last year has taken a full-time job in her preferred profession, so I’m looking again. The larger, full-time house cleaning services charge about $40 per hour. I think that is a first-class hustle: that’s more than RNs or teachers make. I have lined up a housekeeper from one of the local hospitals for $25 per hour.
1) The pay is far higher than a minimum wage job flipping hamburgs at McDonalds. A lot of people avoid hiring high school kids to mow their lawn because of liability issues (the reality of our over-lawyered culture). 15 hours per week x $25 = $400 per week. That’s serious money for a part-time, after-school job for a 16 year old.
2) By definition, the people who hire a housekeeper are successful folks who make a good salary and don’t have a lot of time, like a physician, attorney or businessman. These people can provide nice job references as time goes on.
3) You can wear this like a badge of honor: “I busted my chops, cleaning houses to make extra money, to pay my own way in life”. It will give you serious credibility. In fact, I can personally guarantee you that it pulls weight at the U. of Chicago (and presumably other elite scholls) because I asked the Dean of Admissions. He was telling us about all of the extra-curricular activities of applicants, such as sports, concert pianist, charitable work, etc. I wondered if I would still be competitive, because when I turned 16 I had no extracurricular activities because I worked all the time. He assured me that my application would instantly stand out.
4) The above applies, to a lesser extent, to babysitting. It now brings $10 per hour, and is a great way for someone to make extra money before age 16.
A young lady recently asked for some advice on her mother’s finances. Her mom is in her late 50s and recently widowed. She did not attend college and was a stay-at-home mom. She is having difficulty finding a job because of her educational level and especially no work experience.
RMD comment: I recommended that she consider housecleaning. The family has a good reputation, and no work experience is really not a factor here. $25 per hour x 6 hours (two homes at 3 hours each) per day x 20 work days per month = $3,000 per month = $36,000 per year.
RMD
My housekeeper came twice a month. I missed a cycle because of travel, so the house was a little dirtier than usual. Diane came over to go out to supper. She took two steps inside and said “Helen was here today, wasn’t she”?
RMD: “Is it that obvious”?
Diane: (with a scowl): “Yes”.
I don’t quote Karl Rove very often, but his comment in today’s Wall Street Journal sums up not only Monday night’s debate, but the campaign in general. ”Trump was rude and flip and Clinton failed to buck the status quo”.
RMD comment: I want so much not to vote for Clinton, but Trump is making it very difficult.
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