I am constantly questioning many of the things I see; wondering how complete is my failure to understand nature and its perfect order....

On August 30, US time, the war in Afghanistan ended for America. What a relief! I was born in 1946, so in my lifetime the US has gone...

I've been a writer for quite a long time. But only in the last twenty years or so did I take it seriously and do it publicly. My first...

I have had the good fortune to be associated with the Florida Keys for fifty-six years. I first visited there in 1965 as a college...

I haven't felt comfortable for a couple of years. I'm pretty sure I know why, and I know why it now feels different. Admittedly I was...

I wrote this email to a buddy of mine from our days in the Marines: Andy, I keep thinking about your uncertainty about the upcoming...

In the late winter, early spring we had no way of knowing how serious things would become with the coronavirus. The CDC was sending out...

As we watch the news or read articles about the condition the country and the world are in, anyone who thinks things are fine must be a...

With a little adjustment in our thinking we can come away with a much better understanding of our pets, which in turn helps us to enjoy...

On one of my fishing forums I was asked what advice I would have for a budding fisherman. I answered that question with the following...

I recently had a conversation with a fellow from Key West about scuba diving. He said that he had moved to the Keys in hopes of diving...

I recently had a birthday that my family was helping me to celebrate. I was surrounded by the people I love most, and they all love each...

Few questions about personal finance receive more attention than the argument as to whether a person should pay off his/her mortgage...

I watched Clemson in a couple of games this past year. I am certainly no expert on college football being a Miami fan, and having learned...

After forty years as a real estate lender, I believe that buying homes and renting them out is, over time, an excellent formula for...

I recently had a conversation with a fellow from Key West about scuba diving. He said that he had moved to the Keys in hopes of diving...

I sometimes post to a creative writing website. Recently one of the participants asked a question something like "What if you want to be...

For the shy person who does not know where to get started in either trying to purchase a home or refinancing existing debt, have no fear....

I would like to share fifty years of experience I have had in residential mortgage lending with anyone who needs my help. I have handled...

Recently two things happened that turned out absolutely great. They started as potential tragedies but materialized as lucky breaks. The...