Author Archives: jaysanderscpa

About jaysanderscpa

Jay Sanders, CPA/PFS, CFP® "There's lots and lots of Numbers in business and your personal life but only some are relevant. The key is to know which one's matter, worry about them and forget the rest."

Creativity vs. the 0 sum game, Romney vs. Obama

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Last night’s presidential debate revealed two individuals and by association two political parties with fundamentally different economic beliefs and therefore visions for the United States. Since the government plays such a big role in our lives it’s instructive to consider … Continue reading

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Civics 106 – Economic Advice for the U.S. government from former Clinton Secretary of the Treasury

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Robert Rubin, President Clinton’s Secretary of the Treasury had a great op-ed piece in the Wall Street Journal yesterday.  He said there’s five basic risks facing the U.S. if we fail to get our fiscal house in order.  They are … Continue reading

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Civics 105 – Economic Advice for the President

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In 1980 President-Elect Reagan’s Committee on Economic Policy prepared a memo entitled “Economic Strategy for the Reagan Administration”.  It’s an interesting and informative read because the U.S. is now like then facing significant economic issues.  The memo cites the following … Continue reading

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Romney’s tax returns and financial literacy – Take 2 – Capital

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In a previous post I used Mitt Romney’s 2010 tax return to draw your attention to how different tax rates apply to different income types, specifically capital and earned income. In this post I want to focus on capital itself … Continue reading

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Civics 104 – What Would You Do?

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Last night I had dinner with an old and dear friend.  As happens between us we got to talking about the upcoming U.S. presidential election and the state of the union.  As usual we had different ideas about what to … Continue reading

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What Romney’s tax returns can teach us about financial literacy

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Presidential hopeful Mitt Romney last week released summary information about his 2010 tax return. From my perspective, its a great jumping off point to explicate several financial literacy basics.  In this post I’ll deal with tax and in the next … Continue reading

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Want world class money habits – it’s all in the silos (buckets) !

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A couple of weeks ago the Wall Street Journal’s Carolyn Geer ran a great piece in its personal finance section on IDEO, a global design consultancy known for solving puzzles. Their mission was how to design a way to boost … Continue reading

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