To raise or not to raise…that is the question. Will the 75 BP hamster wheel continue? Private payroll numbers and wages. Destroying the village in order to save it??? The Fed is not Bob the Builder, they can’t fix it. Fiscal restraint in Washington is what we need. Investing vs. speculating. What is value? The lessons of Benjamin Graham. There is a right way and a wrong way of doing things. Retirement fears are growing. Inflation is seen as a big setback for retirement savings. Increased contributions for next year. Most people need a retirement reality check. Energy issues and earnings. Companies warning about the thermostat. Education and Covid.