If we call it “video hosting”…

“It’s not you, it’s me…”  Those classic words from the worst of breakups.  When you spin that to the relationship between yourself and a social-media platform, specifically a video hosting service, then it’s about you.  “Really, it’s all about you. Hang it around your neck, let it cause you back issues and run up your chiropractic bill.  I hope it keeps you up at night.  Hugs and kisses, signed: yet another client you lost due to your own arrogance and stupidity.”

“No, David, don’t hold back on us.  Tell us how you really feel about it!” Continue reading “If we call it “video hosting”…”

Social Media and Fascism in Amerika

A letter to my Senators and Congressman:


It must be nice to have one’s toast buttered on both sides and live both fat and happy.  Such is the case with social media platforms who have developed the leading communication channels of our time and claim both “property rights” and “freedom of speech”.

When the telephone and radio were the technology by which people communicated both in personal and mass reach, it would have been wholly unthinkable, in fact tyranny, to block a radio transmission or to simply “not connect your call” to the person you wished to speak to.  What if any clerk or letter carrier at the post office simply chose to discard a letter or letters and obstruct it from its destination; a federal crime, is it not?
Continue reading “Social Media and Fascism in Amerika”

The Uphill Climb

For this status post I had to pass on a segment of Peter Schiff’s recent podcast where he discusses the relationship between your employer, government regulations, and you as an employee.

Who Pays for Government Programs?

Continue reading “The Uphill Climb”

AOC – Thick as a Brick Award

Saturday in Austin, Texas the media darling of the Democratic Party spoke in front of attendees of a conference and shed light on her profound lack of understanding of all things business and finance.  This Thick as a Brick award goes to Alexandra Ocasio-Cortez who obviously doesn’t understand the first thing about the system of free enterprise which made our country prosperous and strong nor how she herself is chopping with an axe at the very foundation on which she’s standing.

“Capitalism, to me, is an ideology of capital. The most important thing is the concentration of capital, and it means that we seek and prioritize profit and the accumulation of money above all else and we seek it at any human and environmental cost.  That is what that means, and to me, that ideology is not sustainable and cannot be redeemed.” Continue reading “AOC – Thick as a Brick Award”

In Uncle Sam We Trust

Slowly but Certainly, Social Security Is Failing.

I see this routinely as I assist clients in preparing for retirement and other financial goals.  This statement is directly from the Social Security Administration’s web page that assists people with estimating their expected benefits at retirement:

“The law governing benefit amounts may change because, by 2034, the combined trust fund reserves are projected to become depleted – the same as projected last year. Payroll taxes collected will be enough to pay only about 79 cents for each dollar of scheduled benefits.”
Continue reading “In Uncle Sam We Trust”

Trading time for dollars?

A talented skill set and a good job are a great start to providing for your cost of living, which seems to be growing each year.  Trading time for another person’s dollars has its limits in available time and the years you can work.  In fact, real levels of inflation are much higher than the government reported numbers! *  Your dollar covers less and less in expenses every year.

If you don’t grow your savings beyond inflation rates and avoid market loss, inflation will steal your future purchasing power.  The most powerful factor in growing your savings is time; so, don’t waste any.  I can show you ways to protect your savings from market losses, to grow at enviable rates, and increase your liquidity while avoiding penalties and taxes.

Contact me and we’ll begin that conversation:  PH: 209-651-0809 or davidpandone@gmail.com

* http://www.shadowstats.com/alternate_data/inflation-charts

Saving should be predictable.

You don’t have to be a securities analyst or a day-trader and follow the market daily to grow your personal, family, or retirement savings.  Many people do this by allowing a fund manager, a market professional, to run the mutual funds within their 401(k) or IRA accounts.  What people don’t often see is the 4.5 to 6 percent in fees that professional management costs them each year.  They also don’t consider that they ride the market both up and DOWN, slowing their growth or even stealing their wealth when bubbles pop as in 2000 and 2008.  There are safer ways to grow your savings, and I’ll be happy to help you understand them.

Contact me and we’ll begin that conversation:  PH: 209-651-0809 or davidpandone@gmail.com

Your Stored Work Energy

In our culture, people tend to expand their lifestyle up to the limit of their cash flow.  Whether abundant or more humble, more money usually means nicer homes, newer cars, and more expenses.  Discretionary income is your financial power, your “stored work energy” that you decide not to spend before you even have it.  Someone young and intelligent, with a good skill set, good job, and disciplined spending habits, can accomplish enough savings-growth in 20 to 30 years to retire 15 to 20 years before 67, or perhaps fund their own company!  What if you knew how to do this when you were still in your 20’s?  What if your significant cash flow could help you catch up?

Contact me and we’ll begin that conversation:  PH: 209-651-0809 or davidpandone@gmail.com

What Client Fees?


In my daily perusal of my own social media marketing efforts, I often see how other businesses approach their use of social media.  Yesterday I saw a post that read on the order of, “Discussing advisory fees with clients can be a challenge.”  I thought, I find it rather easy in that a single sentence makes both the client and me very, very happy: “Clients don’t pay me for my Wealth Strategies Services.” Continue reading “What Client Fees?”

The Banks’ Game

After the Dot-com-bubble from 2000-2003 decreased market values by nearly 50% sending hundreds of thousands of retirees back into the workforce, the banking industry systemically lowered mortgage qualification standards and drew more artificial value into the markets creating a housing bubble.  They washed their hands of the mess and sold these mortgages as bundles of “mortgage-backed securities” to investors, largely retirees, who again lost more value when the housing bubble burst.  Let me know when you’re ready to learn about non-banking-centered growth of your savings.

Contact me and we’ll begin that conversation:  PH: 209-651-0809 or davidpandone@gmail.com