July 23, 2014

Articles

David John Marotta and Megan Russell co-write articles that are featured in the Charlottesville Daily Progress. You can follow that column here.

The Wealth Of Nations Is Their Freedom

Berry Hard Work

“When institutions protect the liberty of individuals, greater prosperity results for all.” – Adam Smith

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Are We Lab Rats?

Lab Rat

If you are not paying for the product, you are the product.

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Our Government Versus The People

Hammer Lock

Government has never been known for customer service. But today it is known primarily for being against the very people it is supposed to serve.

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FINRA Supports Regulation to Quell Competition

Wolves in Sheep's Clothing

Beware of government regulation, especially when a portion of the industry thinks it’ll be good for business.

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Fight the NSA with Your Choice of Search Engine and Browser

Browser Choices

We are all embarrassingly honest with search engines.

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Capability Is Tyranny

Bullying

Those who stand by and do nothing are complicit in aiding the loss of freedoms for others.

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Fourteen Ways to Avoid Paying Capital Gains

Like water for money

The capital gains tax traps wealth in an investment vehicle requiring special techniques to free the capital without penalty.

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Capital Gains Tax Gets More Complicated

Holding breath

Now you may pay one of at least four different capital gains rates. The strategies to deal with capital gains differ for each level.

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How To Bilk Obamacare

Wonder

Learn how a family of four can qualify for a full subsidy with an income of $140,000 a year.

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The Purpose Of The Federal Reserve

Red pawn

Unlike the markets, members of the Fed are able to make decisions that are in exactly the wrong direction if they don’t limit themselves with a rules-based system.

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Microfinance: Loans That Change Lives

Kiva: Loans that change lives

With as little as $25 you can begin loaning money to developing world entrepreneurs.

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Government Requires 146 Minutes Of Service Each Day

Financial Time Perspective

Without taxes, you could leave your job every day at 2:34 p.m

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What Happened to the Gold Standard?

Biting Money

The U.S. dollar was first regulated by the Coinage Act of 1792 and prescribed as 371.25 grains of pure silver. The eagle, worth $10, was 247.5 grains of gold. One cent, worth a hundredth of a dollar, was 24 grains of copper. The value of the metal contained in the currency kept prices relatively constant [...]

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Why Is The Federal Reserve In Your Wallet?

Christian LIndeMann, The New King of PickPockets

Members of the Federal Reserve openly admit it is not a federal agency.

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What Exactly Is Quantitative Easing?

Piggy Bank

Quantitative easing is a sneaky way to make everyone dealing in U.S. dollars pay off the U.S. debt.

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How Does The Fed Control Interest Rates In A Free Market?

Federal Reserve 2014

Even as recently as 2007, banks were paying 4% interest. Now you have to go to the hundredth decimal before you find your interest rate.

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Tax By Inflation

The Fading Dollar

In its simplest form, the government prints money and uses the newly printed currency to fund government spending.

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Five Unbelievable Financial Advisor Regulations

gavel_t

To comply, most firms must archive and report massive amounts of information. Here are five of the more interesting regulations.

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Every Business Should Start a 401(k)

Small business owners

The president’s hope to restrict the plans should actually make owners more interested in creating one.

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Republicans: Defining the Three Factions

More freedom less government

Which part of the conservative party appeals best to you: promoting the welfare of big business, legislating morality or advocating personal freedom and responsibility?

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Is Social Security Stealing Your Chance Of Being A Millionaire?

You have got to be kidding.

Social Security withdrawals have enslaved workers to depend on government largess when they could have been independently wealthy.

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Obama Expands the Permanently Unemployed

Occupy Stupidity

The economics of the job market are complicated, and an executive order can’t grant America a higher wage.

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Obama’s myRA Plan Violates Multiple ERISA Laws

Go to jail

Willful violations of ERISA legislation carry criminal penalties of up to a year in prison for the plan sponsor and a fine of up to $100,000 for the corporation.

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Can You Fact-Check Without Reading the Article?

Holy face palm

Both authors claimed there were errors in our article all the while agreeing with our assessment of the unemployment numbers.

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Economic Freedom Matters 2014

Wall around Wall Street

Economic freedom enriches society, lifts the poor out of poverty and respects the agency and dignity of human choice.

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Should We Wallow in the Rising Stock Market?

Sad puppy

The stock market can occasionally benefit from the misery index.

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How Long Should I Keep Financial and Tax Records?

Tax Files

Whenever the IRS challenges you, the burden of producing evidence that your claims are true rests entirely with you.

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Sensational Headlines Capture Nation’s Attention

Fox News 2013-12-26

In addition to learning how a viral story can get many of the facts wrong, another more important lesson can be learned from this experience.

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New Year’s Resolutions for Republicans and Democrats

New Year's Resolutions for 2014

Here’s to a better 2014!

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Five Things More Important Than Politics

Five important things

This holiday season, remember to cherish the important values of life.

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Eight People Obama Charged with Espionage

Obama espionage

Prior to the Obama administration, only three espionage cases had ever been brought.

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NSA Blanket Surveillance Unconstitutional

Surveillance

“What is remarkable is that is actually acknowledging it is illegal.”

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TSA: Violations for Only $2.50 Per Flight (Plus Taxes and Handling)

TSA Glove

No volume of abuse seems sufficient to rouse public opinion.

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TSA: What you get when you say, “Someone should do something”

TSA

If the TSA were a private security firm, they would have been fired by now.

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Seven Facts About World Health Care According to WHO

Know the cost

This WHO 2000 Statistical Report was the study used to justify and promote the Affordable Care Act. Here are seven facts about this so-called research lurking behind politicians’ claims that our health care system is in crisis

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Wealth Inequality in America, Part 5

Worried Woman

A change in attitude is needed for the poor to develop a wealth-generating mindset.

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Wealth Inequality in America, Part 4

Utopian View and Tragic View

Your opinions depend on your view of humanity.

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Wealth Inequality in America, Part 3

Offical SNAP promotional photo from the Department of Agriculture

Even the negative or inconsequential effects of welfare often fail to convinced some people that a new system of assistance is necessary.

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Wealth Inequality in America, Part 2

Bill Gates

Blaming the 85% with 100% of the wealth for the poverty of the remaining 15% is unreasonable. The two are unrelated.

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Republican Genius: Budgeting One Item At A Time

John Boehner

The partisan deadlock offers us a novel opportunity to reach consensus.

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Wealth Inequality In America

Wealth Inequality In America

The video “Wealth Inequality in America” is not only misleading, but the research methods of its underlying study are laughable.

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Propaganda Blitz Scheduled for October 1

Keep calm and give up

Requiring employers to deliver government propaganda is genius.

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Why People Like Tony Stark But Hate Real-Life CEOs

Iron Man and Tony Stark

Obnoxious, playboy Tony Stark, more commonly known as Iron Man, is admired by his fictional and real fans alike. Why not real life CEOs?

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Safety Second

Whitewater Rafting on the American River

Fun first. Freedom first. Innovation first. Financial goals first. But not safety. No one says, “That looks safe; I wonder if it is fun.”

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Should We Hate the Richest Kids in the Graveyard?

Children in the graveyard

“They don’t deserve it!” is the most common complaint. And in most cases it’s true

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Do Investors Deserve to Make Money?

Master Chef at Work

When I work my 9 to 5 job and earn a paycheck, I receive a paper certificate I can trade in for the real reward of my labor. But why do investors get a reward?

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Natural Rights: Is the Only Moral Code Legal Entitlement?

Are rights only granted from government?

A recent letter from a reader expressed the claim that there is no such thing as natural rights. Could he be right?

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Is Obamacare Responsible for a Jobless Recovery?

Part time job

Three part time employees equals two full time employees while avoiding $4,000 in annual fines.

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Marotta’s 2013 Gone-Fishing Portfolio

Gone-Fishing 2012

A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility. Its primary appeal is simplicity. As a secondary virtue, it avoids the worst mistakes of the financial services industry.

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Do We Have a Right to Health Care?

Magic Pills

The Affordable Care Act encourages everyone to get health care insurance by punishing those who don’t. Proponents of Obamacare justify this saying that health care is a human right. But is it?

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