Now more than ever, you can appreciate the need for comprehensive investment education. All of a sudden, fifty percent of your nest egg has disappeared— and the bad news? There never was a plan for income generation. Ouch!

Dwelling on coulda’s, woulda’s, and shoulda’s isn’t going to rebuild your portfolio. Attempting to become proficient in the speculation of the month will do little to decrease the long-term pain. Casting blame on government regulators and Wall Street scam artists does little to grow retirement income.

There are at least three things you can do to protect yourself now, and throughout your more quickly approaching than you realize retirement years:

(1) Actively support income tax code replacement surgery, be it Flat Tax, Fair Tax, or a combination; (2) actively support a Social Security reform plan with smaller mandatory contributions, higher guaranteed benefits, and trustee managed income …

More than fifty years ago, LaVern Baker & The Gliders, brought Jim Dandy into the fray to lasso runaway horses, dry the tears in little girls’ eyes, and to save special mermaids from the hooks of villainous fishermen.

(Black Oak Arkansas’ rendition on You Tube will help you understand what your parents and grandparents survived.) Go, Jim Dandy! Go, Jim Dandy!

This generation’s “runaway train” is a slip sliding housing market victimized by lender’s greed, Wall Street’s creative dark side, and congressional tinkering with a process that worked well for centuries— and all by its lonesome, George.

Our little girls’ tears are those of small, vulnerable, main-street-residing investor’s whose retirement dreams have been shattered by securities markets that are little more than casinos, and instruments of mass financial destruction that even their creators cannot explain.

The mermaids? They are the taxpayers who …

Thirty Billion Dollars is a huge amount of money, but it translates into less than $100 per US person— a small price that we should all be willing to pay to give the Automobile Industry time to restructure itself and to save a few million jobs.

Give them the green, but have them pay it back in a more economy and environment friendly manner. Here’s the deal:

Every new American-made car buyer would receive a debit card along with his ownership papers. The card could be used for anything other than the car purchase itself. Card amounts would vary from $6,000 for “smart” cars, through $3,000 for fuel-efficient sub-compacts, $1,000 for other borderline greenies.

The debit cards would lose 20% of their value per month if not negotiated. All debit cards would function as free passes for all highway tolls so long as they are used with the proper automobiles.

The 60’s gas-guzzler tax …

What if there was an easy way to implement a whole new approach to retirement funding, pension planning, and Social Security? Would the politicians be interested? Let’s find out.

What if the new plan actually reduced payroll taxes, cut prices, created jobs, increased salaries, raised shareholder dividends, partially funded decreased healthcare costs, and was available to everyone?

Sound too good to be true, but it’s actually doable. The reasons for the present system’s failure are mostly political; the solutions are clear, practical, and non-partisan. What we want is a less expensive system for assuring that everyone is able to retire with an adequate income, higher than that provided now by Social Security.

What we need is a simple program, part mandatory and part voluntary, using experienced trustees who operate within the strictures of the prudent-man rule— a risk-minimizing legal doctrine that …