The Millennials are Not Buying into the American Dream

I have a daughter who is a millennial. I can tell you firsthand many in this generation are not buying into what is sold as the American dream. A significant number have college degrees and quite a few advanced degrees. Debt has come with the years of study and some choices have become limited partly due to paying back student loans. The shift in thinking is not limited to millennials with higher education credentials. It would be foolish to think elimination of debt will make this generation rethink what they want or consider important. Millennials are not buying into:

  • The need to buy a car. Many are choosing to live in cities where cars are not a necessity.
  • Purchasing a home. With debt buying a house has become difficult. Even without debt many are deciding it’s not their dream.
  • Investing-it’s a mistake to think millennials don’t save. Many are venturing into 401k plans and stocks. Those same savers are not buying into decades old thinking that a house is an investment.
  • Consumption-more millennials are choosing to live simply with less conspicuous consumption.

Millennials are not buying into the American dream created in the 1950′s. They have their own dreams and inspirations. Business should take notice.


The More the World Changes the More…

The more the World changes the more it stays the same. Right when we think the World will concentrate on peace and economic growth conflicts emerge in several regions. Syria, Israel and Ukraine are only the latest areas where human tragedy happens everyday. Some of these disputes have been going on for decades. If you had news clips from fifty years ago they would look very similar to what we are seeing now.

When the hate stops so will some of these conflicts. I hope and pray that peace will come and another generation will not have to live under these conditions.


Giants vs Diamondbacks and Giants take the Series

The San Francisco Giants came back today and took the series from the Arizona Diamondbacks. I went on Saturday and the offense could not get it going, but it was still a great day at the park.

Buster Posey and Madison Bumgarner both hit grand-slams. Amazing! And we should not forget the great catch by Hunter Pence. The Giants lost 2-1 on Saturday, but came back with a big win Sunday. The final score 8-1. It’s now All-Star break and Giants action resumes on Friday when the team visits Miami for a three game series.

Videos courtesy of

Go Giants!!!


A Few Suggestions to Help Keep your Web Site or Blog Secure

In 2014 you don’t have to be a high-tech person to have a web site or blog and have a lot of fun with it. If you do have a web site or blog here are a couple suggestions to help keep it safe from hackers:

  1. Use passwords that do not include real words. Your dogs name spelled backwards with numbers in the middle or at the end is much better than a common word. The main point here is don’t make your password something someone can guess.
  2. If you have your own domain and have it hosted with a web service most likely you are able to log into a panel and see the applications provided. Keep the versions of applications up to date. For example, web services often recommends updating to the most current SQL and PHP versions to reduce vulnerabilities. If you are unsure of how to keep applications current, contact technical support and they should be able to do it for you or provide instructions. If done incorrectly a website can be broken and a restore will be needed. It is good to ask support before attempting if you are uncertain.
  3. If you use WordPress or any other blog service be selective about the plug-ins you decide to use. Some plugins have vulnerabilities that hackers can exploit. Limit your plug-ins to ones you will be using regularly and check out the reviews before using. A plug-in used on a million web sites that gets top reviews may be safer than one just made available and only a few have tried. Once again, be selective.

Sadly, there are a lot of mischievous folks out there with time on their hands. There is no fool-proof method to keep hackers out. Secure passwords and regularly looking for suspicious activities can help. Customer/Technical support should be able to address any concerns you have. Have fun with your blog or web site!


SF Giants display some power late in game vs San Diego Padres

Giants vs San Diego-The San Francisco Giants have been struggling for more than a month. Their record over that period of time 5-18. Saturday against the Padres the bats woke up at the end of the gave and the Giants got a win. Giants fans are hoping this will start a new streak.

(Clip courtesy of SF Giants and

Go Giants!!!


Sacramento Kings-New Complex Name Should Be “KJ Arena”

Ground has not been broken yet for the new Kings Arena in downtown Sacramento. A smart and savvy corporation should sponsor the new facility, but play second fiddle to the namesake.

This blogger suggests early in the game that Sacramento name the new complex after Kevin Johnson. “KJ Arena” This facility would not be happening if it were not for the perseverance of Kevin Johnson. Some sponsor out there can use this as an advantage with their marketing. Live from KJ Arena sponsored by _______. This would mean one arena in America where the name does not change and corporate America benefits sponsoring not only the arena, but the extraordinary efforts by Mayor Johnson, the city of Sacramento and commissioner David Stern in making the impossible happen.

KJ Arena will bring magic to downtown Sacramento and will benefit the whole region.


Dog Rescues-Every Breed has Rescue and many are looking for a Forever Home

Every dog breed has rescue volunteers looking for forever homes for dogs in need. Volunteers are very dedicated and work hard for no pay. They just love the dogs they are helping. There are so many reasons dogs end up in shelters and if lucky at foster homes.

Early Morning Walk in the park

Early Morning Walk in the park

Whatever the reason it’s good to know we have people who dedicate their lives to rescue. Louie in this picture came to friends of mine through rescue one year ago this week.
After Walk Nap

After Walk Nap

He is now an important member of the family. Maybe rescue is for you? It is good to do research and learn what type of dog fits your lifestyle and family. Google is a great place to learn more about each breed and their needs.


Boomers leaving the job market and unemployment rates

Everyday ten thousand baby boomers turn 65 years old. How does their leaving the job market affect the unemployment rate? Is this measured?

When workers retire some of these jobs will need to be filled by other workers. They may not count as jobs created, but when an unemployed person fills the position that is one less person unemployed. I understand that not all the jobs left behind by retirees will be filled. I would think in the private sector most will be. If this is true why haven’t we seen a bigger drop in the unemployment rate? The growing number of boomers retiring is part of the lower participation rate, but we should see unemployment drop more dramatically. The unemployment rate remains stubbornly high and this does not even count the underemployed.

Ten thousand boomers reaching 65 years old a day equals three hundred thousand a month and unemployment is still at 6.3%?

We need to repair our infrastructure, make college affordable and get wages up or this economy is going to see a lot more negative GDP quarters as Americans put their wallets away and spend less because their wages never go up. Wages and jobs are at the heart of this recovery. If these things don’t happen the folks in the upper 1% will feel it like those in the shrinking middle class have throughout the Great Recession. Act now and get this economy growing again.