Howard Theories

At first, I wrote a long winded bunch of words .. no need, my close ………….. too many people complain that it’s too hard or expensive, even older people my age or my youngest nephew, complain. It is true they and many other generations were “sold a bill of goods that was not quite right”….

My most favorite topic, demographics. I’m the last year, I was born in 64, I had mostly all older siblings and cousins, I cannot believe how easy most of the last 40 years really have been. Thanks to the monster demographic. All the stuff that had to be built created and transformed, the technology, low…

https://www.wsj.com/finance/regulation/trump-advisers-bank-regulations-fdic-efa761dc . Exclusive | Trump Advisers Seek to Shrink or Eliminate Bank Regulators

Being straight forward, when you start having kids, middle age comes fast. No kids, middle age will come later. Moving on. Those feeling it at 37-38 -40, I would opine that, it is a little late. Your best working years, and spending years are 35-55 give or take. They are stressful. Hurry up. Marketing is…