Journey Juntos – Smart Citisumer

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Welcome to the Journey Juntos page, where we can continue the Junto discussions from my book, Journey Toward a More Perfect Union. Here, I will post a new topic each month for review and discussion. Let’s be respectful and constructive in all of our discussions.

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Frustrated by all the negatively-biased news? Check out the positive news at humanprogress.org!

File your federal & state income taxes FREE, with FREE tax audit support by credit karma! (If you have a simple tax filing from just one state).

Expect your taxes to go up next year! Convert your Rollover IRA NOW to a Tax FREE Roth IRA before the tax rates rise, then let it grow forever, completely tax free! It’s easy! But, you will have to pay relatively low income taxes on the balance at the time of the conversion. See my Paying Taxes Smartly page for details.

Move ahead in the COVID vaccination line! If you have high blood pressure, smoke, or have ever smoked in the past, you may be able to get your shot sooner than you thought! Check your states’ vaccination schedule and criteria.

Do you believe the Federal government should be required by the Constitution to maintain a balanced budget? Sign the Convention of States petition.

To search anonymously without being tracked, use DuckDuckGo (it works as well as Google) to search rather than Google, or set your browser to its incognito search mode by clicking the 3 vertical dots in the upper-right corner of the browser and selecting “New Incognito Window.”

Never go to a bank or an insurance company for an investment product! Banking and insurance products are not financial investments!

You can probably get prescription drugs significantly cheaper by using RXSaver or GoodRX over your own medical insurance plan’s prescription drug coverage. They’re FREE!

Make your hand shaving razors last more than 1 year! Simply prevent them from ever getting moist or wet. It is actually moisture that makes them dull, not usage. On your birthday each year, treat yourself to a clean shave with a new $1 razor! After shaving on your birthday, enjoy a free “Value Slam” breakfast at Denny’s, then a free medium-sized sub for lunch at Firehouse Subs, then a free entree (BOGO) at Hard Rock Cafe (by previously signing up with your email address)!

“Facts are stubborn things!” – John Adams

“Compound interest is the eighth wonder of the world!” ~ Albert Einstein

“If you don’t stand for something, you will fall for anything!”– Alexander Hamilton

“If you want to develop character, pray for trials & challenges. If you want your children to develop character, first model it, then give them appropriate challenges & allow them to suffer life’s trials & challenges.” – Ron Schlegel

“I know no safe depository of the ultimate powers of the society but the people themselves; and if we think them not enlightened enough to exercise their control with a wholesome discretion, the remedy is not to take it from them, but to inform their discretion by education.”
– Thomas Jefferson

“Be fearful when other investors are greedy and greedy when other investors are fearful.”– Warren Buffett

“Turn off the media and think for yourself.” – Ron Schlegel

“The competency of a nation’s leaders can be measured by the degree of content of its citizens.” – Ron Schlegel

“Price is what you pay; value is what you get.” – Warren Buffet

“Wisdom comes by focusing, seeing and acting through the haze and noise of the present, toward the long-term, even to eternity.” – Ron Schlegel