January 2022

Quoted on Motley Fool on When You Should Refinance and How Often You Should Refinance Your Mortgage

Recently the personal finance site Motley Fool asked me to answer some questions related to refinancing mortgages. Following are my responses. When should someone consider refinancing their mortgage?The simple answer is whenever the savings in interest rates reasonably offset the closing costs of a new mortgage. However, there are other reasons to refinance even if …

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Why Can’t Average People Invest Like the Rich or How to Solve the Income Gap

We hear a lot these days about income inequality. There is even a website call inequality.org. I have written previously about income inequality in my article “The Real Story on the Income Gap” (Manahan, 2021). If you haven’t read that article, you should. The purpose of this article is not to explain the reasons for …

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The United Nations Got It Wrong – Security is Not A Right

What is the Universal Declaration of Human Rights? Below is the description from the United Nations website: “The Universal Declaration of Human Rights (UDHR) is a milestone document in the history of human rights. Drafted by representatives with different legal and cultural backgrounds from all regions of the world, the Declaration was proclaimed by the …

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