“Boneheaded Actions: Characteristic Actions Taken by Bureaucracies”

When Rules and Processes Replace Results

Low Wages: The Great American Paycheck Vanishing Act

In mid 2025, tens of millions of Americans are living in the space between “employed” and “secure.” The paycheck clears—then the rent, groceries, and car note clear it right back out. It is a dreadful financial treadmill.

How Real Estate Loans Actually Close: Planning, Execution, and Regulatory Discipline

Success in lending is never accidental; It requires a strategic endeavor.

Less Than Intelligent (Stupid) Decisions, from the California Government (Housing + Insurance Edition)

Why “fraudulently created, sold as reasonable policies” keep producing shortages, unaffordable premiums, and brittle systems — with case studies

Hip Replacement Surgery:

Effectiveness, Recovery, and Realistic Expectations

Initial Borrower Loan inquiry: Best Practices for Speedy Closings

Union Influences in Public Education

- It is a major structural factor—and it intersects with the federal vs. state control debate in several ways:

Written Reciprocal Access/Parking Agreement between Property Owners

Reciprocal Parking and Reciprocal Access Agreements

A field guide for inspectors, lenders, and anyone underwriting real estate risk

“Brothers in Arms” Dire Straits’

At its core, “Brothers in Arms” is a heartfelt lament—a quiet, emotionally restrained anti-war song that invites listeners to feel the pain and loss soldiers experience, fostering empathy and understanding.