Many times authors write about and speak about habits that
will help you be successful. As we come to appreciate,
winning and “success” are fleeting until the next event in a
I enjoy much of what David Brooks
writes in his NYT
editorials. One of the latest is about 2 mountains we face
in our lives–
“If the first mountain is about building up the ego and
defining the self, the second is about shedding the ego and
dissolving the self. If the first mountain is about acquisition,
the second mountain is about contribution.
On the first mountain, personal freedom is celebrated
keeping your options open, absence of restraint. But the
perfectly free life is the unattached and unremembered life.
Freedom is not an ocean you want to swim in; it it a river
you want to cross so that you can
plant yourself on the other side.
So the person on the second mountain is making commitments.
The former have an
People who have made a commitment to a town, a person,
an institution or a cause have cast their lot
and burned the
bridges behind them. They have made a promise without
a return. They are all in.
I can now usually recognize first and second mountain people.
ultimate allegiance to self; the latter have
an ultimate allegiance to some
Supporting this are habits that build self-confidence and
lead to commitment. [taken from ]
1. delay celebration and develop a ‘reserve capacity’ to persist
2. make choices and have the mental agility to have a back-up
if first choice does not work
3. organize details, set priorities and understand root causes
4. be kind even in the face of rudeness, bitterness and
Fidelity Investments highlighted a Kiplinger article suggesting how long to keep hard-copy and/or virtual files of financial records.
Surprises include: Keep for 3 years records of spending using withdrawals from health spending and 529 accounts.
Keep for 6 years records of self-employed business income and expenses.
records of final tax returns
. (I guess this is where it might be handy to have something like Fidelity Investments, FIDSAFE
Keep Home purchase and home improvement documents, taxable account investment documents
Are you planning international travel in the future?
I know when I was in grad school, the situation came
up that had me travel to several European countries.
Emergencies happened and we had to cut it short.
An article, Think you only need a passport?
WSJ 3-27-2019 by Scott McCartney
should be read, as it includes great trips:
- make sure your passport is valid for at least another
6 months from the end of your travel
- carry extra passport photos with white background.
[remember AAA offers photos– free for some members]
- carry at least $50 cash for on-the-spot visa fees
- register with the state department’s Smart Traveler
Enrollment Program STEP for contact with updates
- carry a copy of passports, itinerary, birth certificates,
medical prescriptions, credit cards in case of loss.
- plan a contact near home who knows where you are
and can help in an emergency
Another area of interest to readers might be journal articles,
where to publish and availability of publications.
I searched the ACS evolving policy and viewed the page
This is an area we should all take note of in consideration
with what is occurring with the rest of the global scientific
community aiming for Open Access by 2020. See details
I was tuned into this by an editorial in Interface by Jannuzzi
who linked to Richard Kiley at University College London
who wrote about the aim of “Plan S” to ensure research that
is publicly funded to be openly available. As a species we
face climate change, epidemic preparedness, major disasters.
He wrote of the Liberian government not being aware of
research of the potential impact of an Ebola outbreak.
If research was openly available and acted upon, some of
the thousands of death could have delayed to their normal
There is a sizable cost for ACS members
to participate in
OA open access. We can influence this by voicing what is
being done in proactive societies giving its members a
Clint Watts, former FBI agent, wrote a recent book “Messing with
the Enemy” and offers some helpful suggestions.
For your work on Platforms:
1. Ask whether the benefits outweigh the costs. Try to
minimize social media.
APP: Use Moment to monitor your time commitment.
2. Pop or drop our preference bubbles.
Know why we ‘like,’ tweet & share items
3. Listen or read those who oppose our preferences.
They provide the needed
reconnaissance for opposites.
4. Pick experts who are good critical thinkers. EOA
A. they have experience in their field and in the topics they
B. they have many observations in their field
C. they go through a deliberative process (analysis)
to arrive at conclusions. Structured evaluation, ask questions.
About where you seek and obtain your news, consider the abbreviation CMPP
Competency- source capable of knowing, gathering, and understanding
the information they provide
Motivation- why is the source providing the information
Product- type of information- audio, print, online, video, social. .
Each type conveys different meaning and
impressions of reality.
Process of collection- were sources primary or secondary.
Was the data selected to favor a position?
Is contrary data considered and tested?
As a twist on topics the blog shares, I wish to bring up
an intriguing book that I recommend you read– ’Zucked-
Waking up to the Facebook Catastrophe’ by Roger MaNamee,
Penguin NY 2018.
Unwittingly, many of us may be the fodder of metadata for
high tech internet operating organizations and platforms.
Then, we further participate and are entranced to follow
what the AI directed algorithms prescribe.
McNamee writes that the internet technology world follows
predictable patterns. He points out technology has two rules
of thumb– Moore’s law about integrated circuit packing
density and Metcalfe’s rule about the increasing value of
any network being proportional to the square of the number
of nodes (or members).
These result in a philosophy:
-make things appear to be free, effort-less and friction-less
to make networks and connections engage more often and
build on habits that evolve into addictions
-promote a libertarian philosophy that prioritizes individuality
over the common good. Individuals feel good about ambition
and greed. Disruption, being first and winning becomes an
The author highlights the role of the vision, value system
and connections a group of leaders, he calls the “Paypal
Mafia” have succcessfully promoted. [Named are P. Thiel,
E. Musk, R. Hoffman, M. Levchin and J. Stoppleman]
McNamee shared the finding that MoveOn.org president
described where FB and Google feeds no longer are subject
neutral but are biased to deliver likeable content and headlines
to engage emotions. [Ed Pariser]
A real stand out the book offers is a segment on B J.. Fogg
and Persuasion Technology that Silicon Valley firms employ
to compete, grow and prosper. the result is that the software
designer creates the illusion of user (you and I) control, when
it is the system (and AI) that guides every action. FB and Google
now include behavioral prediction engines that anticipate our
thoughts and emotions and offer high quality targeting for advertisers.
This blog entry is aimed at exposing introspection. Asking what
are each of us are thinking and feeling. I asked several individuals
if they would be willing to respond to a series of questions.
I read an article about goal setting
for different personality types
recently and wish to offer an alternative vein of thought. It starts
with WE CANNOT PREDICT THE FUTURE. But we can learn
1. Describe your title and most enjoyable responsibilities and
2. How did you land your current position?
3. What do you believe aided you in enhancing your candidacy?
4. What opportunities and challenges do you see to provide
growth for you?
5. What is your experience for the length of time for positions
before you see people moving on to another professional positions?
7. What are special ways in which you expand you network?
8. What comments do you wish to make for people who are
graduating or planning on moving on in the next year?
Starting with the first profile–
Positions: Applied Researcher, Rechargeable Batteries,
Solar Energy, Complex Fluids for technical applications
. Photographic Chemistry Process
Chemist, Process Safety, Scale-Up, Process Analysis
. University Adjunct and
Professional Behaviors, Workshop & Seminar Presenter
Personal Style and Responsibilities
My chemistry career span started out with JFK’s “Let’s go to the
moon” message and it was encouraged by summer laboratory research
jobs and honors research projects before grad school. Grad school
occurred during the Vietnam War escalation and Arab Oil Embargo gas
lines. My early career style revolved around ‘working harder than
expected,’ experiencing many different things, and being observant for
surprises and opportunities.
I took in that I had to aim very high and learn from rejection. Rejection
is not permanent. That “No:” can often mean ‘not now.’
In addition, I need to learn something more or do something special.
So, to an observer I was an assertive, analytical go-getter who worked
through all four undergraduate years on a straight and narrow path with
purposeful objectives that evolved over my career with changing
circumstances: family, economy, business prospects, health and longevity.
That personal strategy operated in a time when fellowships
and research was well supported. Economic cycles, competition from
emerging technologies and war time priorities change hiring and support.
Being ‘dropped’ by one firm opened my eyes to keeping options available
via professional society participation and developing other income streams
for unexpected events.
ADAPT IN MID CAREER
In my first 10 years I was an individual contributor. I soon learned that
I needed to develop leadership,
communication, and technical breadth for
problem solving skills that employers ‘hand select’ individuals for training.
societies and networking offered one alternate way of gaining skills.
[Began initiatives for the company related to manufacturing efficiency
at university collaborative. Developed and completed Six Sigma projects
as a black belt master.]
ASK FOR HELP AND HELP OTHERS
Many times companies do not reward employees for
professional and technical societies. Oh, they don’t [surprised?]?
It was interesting that by volunteering to
support as a member-volunteer,
I learned many insider skills, met hundreds of
informative and distinguished
professionals and grew as a professional
scientist. The more I gave, much
did I receive in benefits and experience.
The mid-career span was quite stressful with long, variable
unexpected problems with complex causes, business challenges—take-overs,
mergers, change of managers and business objectives, and bankruptcies.
[Be thankful, express appreciation and optimism.]
I started interviewing for ‘other positions’ about five years
school. Learned thant not having the experience
and training for managing
and leadership slotted me for only entry level roles. I perhaps stayed too long
for career advancement purposes at my applied research positions. That
my background and I did not ask for specific opportunities (Maybe I should
have.). Staying longer in organizations does provide pensions at the end of
my life span (not a lot, but of some value. Bankrupt company yield PPGC
insured retirement. Otherwise, I made some poor investment decisions and
some productive ones.).
Rather than exploring permanent positions, which many of my
contemporaries chose and were successful choosing, I pursued professional
society support, participation and leadership roles in mid-career. In one
situation, I wished to attend a conference 50 miles away
and was unable to
obtain management approval.
I volunteered to assist workshop AV and
projection in exchange for
registration. Soon I was offering
and offered registration, room and board compensation at meetings
the country, as long as I could get time off from work.
Another experience involved a dinner with department faculty where
explored offering a graduate level course.
This led to a decade of productive
activities near the end of my career. Dozens of former attendees, students
consultees have reached out for various support roles to advance their
There are few things in a technical career better than
achieving your goals. One of them is
having your goal helping others
maximize their skills. Another is realizing we are one of a small
of people with a common thread
holding us together. We do not know
what is in store for the future. We can
project and guess. There are
who have freely given of themselves to me that have
made all the difference. I want to do the same for those who follow
Second-guessing choices: No. I put 110% effort into each of my
commitments and try not to have regrets. I have a habit of creating
back-up plans in case we need to go in a different direction.
Suggestions: Volunteer for different roles and responsibilities,
especially in professional societies.
Study successful people and learn their habits. Read biographies.
Learn and adopt worthwhile habits. Continue to develop communication
skills. in various media.
1 Norman E. Rosenthal,
THE GIFT OF ADVERSITY: The Unexpected
Benefits of Life’s Difficulties, Setbacks and Imperfections.
2. Ray Dalio PRINCIPLES Simon and Shuster NY 2017
3. Edward De Bono SIX THINKING HATS; Revised and
Brown and Company Boston 1999
4. Peter Post EMILY POST THE ETIQUETTE ADVANTAGE
PERSONAL SKILLS FOR
PROFESSIONAL SUCCESS William Morrow 2014
5. Robert Sapolsky, BEHAVE: THE BIOLOGY OF HUMANS AT OUR
BEST AND WORST
Penguin Press NY 2017
6. Amy Chua POLITICAL TRIBES: GROUP INSTINCT AND THE FATE OF
Penguin Press, NY 2016
7. Sherry Turkle RECLAIMING CONVERSATION: THE POWER OF TALK
IN A DIGITAL AGE, Penguin
8. Michael Breus THE POWER OF WHEN: DISCOVER YOUR CHRONOTYPE
AND THE BEST TIME TO
EAT LUNCH, ASK FOR A RAISE, HAVE SEX, WRITE
A NOVEL AND MORE, Little Brown and
Company NY 2016R
9. Daniel Pink WHEN THE SCIENTIFIC SECRETS OF PERFECT TIMING
Riverhead Books NY 2018
10. Malcolm Nance THE
PLOT TO HACK AMERICA Skyhorse
Publishing NY 2016
11. Steve Sashihara, THE OPTIMIZATION EDGE: REINVENTING DECISION
MAKING TO MAXIMIZE ALL
YOUR COMPANY’S ASSETS, McGraw Hill NY 2011
12. Peter Bruce Andrew Bruce, PRACTICAL STATISTICS FOR DATA
O’Reilley Media 2017
13. Malcolm Nance THE PLOT TO DESTROY DEMOCRACRACY Hatchette 2017
14. Yuval Noah Harari 21 LESSONS FOR THE 21st CENTURY,
Spiegel & Grau NY 2018
15. Carl Zimmer A PLANET OF VIRUSES 2ND EDITION
University of Chicago
Press, Chicago London 2015
16. Steven Brill TAILSPIN:
THE PEOPLE AND FORCES BEHIND AMERICA’S
50-YEAR FALL- AND THOSE FIGHTING TO REVERSE IT, Alfred
Knopf NY 2018
17. Jaron Lanier TEN
ARGUMENTS FOR DELETING YOUR SOCIAL
You know, it is hard to come up with a list of firms to
consider applying to. Sure you can go to your placement
services, whether academic, commercial or governmental,
and see who they cite.
You can go to fields of specialization where previous people
from your area have landed positions.
You can take recommendations from mentors who may have
As we are seeing, what is important to some people is not as
important to others. I recall when I began my search, all I
heard was that finding a good post doc was critical after
grad school. Then, I had a mock interview with a mentor
who offered a unique idea of looking for energy related
fields (now this was in the 70s, just before the time of the
Arab oil embargo in the US). So when I was involved with
screening interviews, I accepted all that were offered and I
could request. Then part of my decision process involved
determining energy companies.
These days business aspects are paramount. Which firms
criteria of doing the right things well. It is well worth taking
a look at the criteria and perhaps digging into the listing to
determine where you might search.
It is true that other factors besides this play a role for each
of us and that we need to define them– company culture,
location, specific fields of interest, and so forth.
When I perused the list at least half of the top 50 are technology
intensive companies and there are some firms that I had not
known before. This is valuable and should be of strong
interest to you.
Look at a number of the companies listed and go to their
[Even get a copy of the 12-3-18 issue of the WSJ.]
No body knows what will happen in the future Yuval Harari
describes in his books and in podcasts. [See “21 Lessons for
the 21st Century”]. The twin revolutions of information
technological disruptions and biotechnology could restructure
more than economies and societies, but also our own bodies
He finds jobs in the future will be robust if they retain a menial
and creative element. Yet, so much of professions can be data
managed, searched and automated.
We are seeing a real “AI arms race”, led by remotely controlled
autonomous weapons. It is rapidly leading to invading human
Technological disruption_engineers are taking over.
Ethicists and philosophers are being lost, but incredibly missed
and needed alongside technological development.
Technologies provide immense positive outcomes, but there
can be unintended consequences and bad actors are even more likely.
We must remain very skeptical, questioning ideas and choices.
and defend and uphold a legal system that protects people.
There is human suffering and we must know it happens.
This entry was all set to go then a terrific article on
travel came across my screen. Let me start there …
broadcasted a comprehensive article containing
travel tips that many would be advised to take heed of.
1. Plan for the unexpected. Medical emergencies,
Cutting short your travel. Natural phenomena.
2. Know what to do in an emergency. Contact list.
Have it available wherever you are.
3. Get your home, auto, finances in order and secured.
Now to the entry. WSJ editorial page had a
. It is an eye-opener
and worth reading, especially if the reader is early in
There are “tells” [poker analogy):
-Pres. Clinton telling people he liked their tie.
-Person takes a call in the middle of a meeting.
-Person asks to have the material sent to office and follow
up. No follow-up occurs.
-Person takes your business card and picks his teeth with it.
detected by a series of astronomical devices
confirming a source as a “blazar” the first known source of
extraterrestrial gamma rays. this is the beginning of high
energy neutrino astronomy. This nerdy finding is like
gravitational particles and other recent discoveries that
may introduce new concepts in science and applications.
(think: x-rays, isotopes, DNA)
Using Electrochemistry to perform organic synthesis.
A half dozen authors reviewed advances in organic synthesis
that is energy and environmentally efficient in
. They provide experimental essentials and dozens
of documented examples. This could be a resource for
your research notebook.
Steven Brill outlines the changes that have occurred
triggering the financialization of the chemical enterprise
that we have highlighted through the work of Rana Faroohar
Brill points out that business today has taken on a new meritocracy
with a “get rich quick” philosophy that works through cut-throat
tactics and the flooding of political influence money that no
longer prioritizes the common good, but “win at any cost” for
the privileged few.
The resulting model finds successful businesses protected by
“moats” that shield off predators. Moats he describes as good
product lines, great reputations, predominant market share and
sterling management who hire the best of the best teams that
savvy investors will seek out.
More and more we see AI and robotics impinge on human
roles. So in addition to seeking cognifying roles
in our careers,
consider what John Meacham has urged
- do practical work in the political sphere employing your highest
- respect and insist on true facts and deploy reason (avoid
dictators who lie frequently assuming that repetition will lead to
- keep history in mind.
Just doing chemistry is not enough for professionals.
Three informative items came across my desk that I wish to
share. These are either benchmarks of progress or inflection
points for the next technology generation.
The first is about using statistics to provide an interpretation
of the uncertainty of a measurement. It may have larger
impact on small statistical samples. This article might have been
useful for me in reporting results of one aspect from my
doctoral thesis (structure-activity relationship).
Most of us who have some familiarity with DNA know it as
a double-stranded helical structure revealing the chemical
basis of biological differences. It is interesting to read the
speculation of Claude Gagna in “Reactions” 6-4-18 about
non-canonical nucleic acid structures and their biological
Finally, I was pleased to see discussion on tandem solar
cells with perovskites which may pave the way for
higher efficiencies that will get me interested in placing
solar panels on my northern city home.
STATISTICS: SIGNIFICANT DIGITS
SOURCE: S. Deming, Amer. Lab. 6-2018, p. 30
Granularity of Data.”
Readers of this blog will recognize my fascination with
Deming’s short reports on statistics. Here he helps us see
our way to understand how some data with small sample
size can be interpreted and some questions you can ask
MOTIFS IN DNA STRUCTURES POSSIBLE MOLECULAR
SOURCE: C Gagna, CEN Reactions CEN6-4-18, p. 3
Original citation Stu Borman
I liked the way this was handled and reemphasized.
An original commentary on a new chemical finding was
remarked in Reactions section not long afterwards.
This line of thinking has broad implications as well.
There should be a practice in journal publication that
does this sort of follow-up to bring strong ideas up
and share them with the chemical community. I emphasize
this for grad students and post-docs to build ideas of this
nature in your research notebooks. It is a solid foundation
for your professional careers.
PEROVSKITE SOLAR CELLS IN FUTURE TANDEM
It has been talked about for decades that tandem cells
absorbing more of the solar spectrum could yield higher
efficiencies. The development of unique structure
solar cells, like perovskites, should push efficiencies
up closer to the 30s and make panels more realistic
if they can have long functional life and limited
efficiency fading over time.
I will be watching this development.
Interesting observations in several fields that touch
on scientific realm are offered in this post.
value. Tessa Pocock wrote about the photosynthetic
efficiency of different low intensity wavelengths
on plant growth, the McCree Curve. This is a
possible application for solid state lighting and
specific crop production.
CRISPR Patent Rulings. Two sources talking
about the continuing saga of patent protection
filings from UC Berkeley and Broad Institute
are teachable moments for technology development.
offers that the result could impact
The Courthouse and expedited application process
AI in Science. While the first of two articles
ramifications in all fields.
AI- diagnosis and disease probability
AI- personalized medicine (skin cancer, smoking
AI- drug discovery using unsupervised learning
algorithms of pattern recognition
AI- predictive analytics in clinical trials to reduce time
AI- interpretation of scans using smart algorithms to
AI- seamless communication of health records
more detail about “optical biopsies” in the near
future as part of AI in diagnosis.
Harold Pollack shared a meaningful list that fits on an
Index Card of hints to deal with transitions. Nine items
- Live within your means, restraining impulses that
can get the best of you where your belongings can
- Within one year, spend no more than 14% of
- Set up accounts to deal with requests and bequests
where you limit budget items.
- Control debt lines of credit where you avoid
high interest financial burdens. Determine strategies
to eliminate existing ones. Help others achieve the
- Stick to your core expertise. Consult with a
professional about personal investments. Beware
of IT recommendations without the full picture.
- Manage investment choices using low fee vehicles,
shield investments from taxes and other obligations.
- Interview and choose committed financial adviser,
attorney and insurance provider, so you are proactive,
thoughtful and within the law.
- Bring in experts to financial decisions.
- Give generously to reputable causes that meet your
purposes, knowing that you are responsible to
Many of these suggestions seem fit for approaching
retirement. Yet, it is not too early to have these in
mind much earlier in your career and have them
carry over as good habits.
You prefer to wake at a certain time. You do your best
thinking, analytical work at certain times during each
day. Physical work feels right, too, at definite times.
that offers a classifying tool with some quick observations
about each “type,” similar to MBTI personality and
Behavioral tools. I have not decided if chronotype is
definitely a feature that will help you understand yourself.
broadens the scope of time, timing and psychology
that you should pay attention to. Using physiological
observations he relates body temperature routines to human
concentration and deduction powers , test taking, daily
activity scheduling, taking breaks, naps, interviewing,
how to begin important tasks and endings.
INTERESTING POINTS (book or You-Tube)
LIWC - peak-trough-recovery pattern of mood
- earnings calls of CEOs; morning better
Breaks and naps; break out of “trough”
Brene Brown - mid-career slump relief
James Dean Effect - careers, life style assessment
Peak-end rule of Kahneman
Synching forms: codes, garb and tough times to
From–CJ’s mailbag from 5-21-18 CEN, p. 27
Question/Answer: Is it better to jump from one company to
another or stick with a company long term?
While the question is an appropriate one, his short
answer was not satisfying. (It was: no one knows!)
Where I come out on this question: There are five features
that will help you answer the question for yourself.
1.CULTURE AND GOALS.
.CJ offers the big company, small organization
argument saying larger firms desire loyalty.
My view suggests that you might assess whether you are
comfortable in the company culture of how things work and
what your title, responsibility and security-opportunity-
influence triad balance is.
2.YOUR BOSS AND MANAGEMENT STRUCTURE AND POLICIES
. Do you like and communicate well with your boss and
your support staff? Is there trust and honesty. Are the policies
flexibly meeting your needs for the present and the future? Look
out for more than the present. Can you ask hard questions and
get honest answers?
3.YOUR FAMILY SITUATION AND NEAR TERM GOALS
We work to satisfy our particular families’ needs, first.
Are hours of work, travel, stress level such that it allows your
personal needs and wants to be met? outside of work life.
4.YOUR LONG TERM HORIZON
We all must stop being an employee
at some point. Do
you want it to be your choice or business conditions or an
arbitrary “committee beauty contest” selection? When you
leave will it be fair and open, on good terms? Can you
have the benefits your family needs and are they protected?
5.YOUR CURRENT POSITION AND ASSIGNMENT AND
WHERE IT LEADS YOU AND ALLOWS YOU TO LEARN
Are you challenged and learning important things every day?
Do you feel positive about what your goals are and look forward
to each day’s challenges?
Telling the truth, for myself, and for those for whom I
have mentored, have a mentor team that will help you
pose questions and look at the big picture for you.
I could not have gotten to where I am now without the
outstanding help of mentors. Two qualities that I felt
they provided were persistence and outside of the box
You should always have radar ‘on,’ to learn about your
field. You should always have an early warning system
telling you the good and bad (remember: management usually
holds back on delivering bad news and too often uses
rose colored glasses and a ‘bow on top.’)
We all can relate to how our existences are consumed
by cell phones, computers, wifi and alexa. AI is not
far behind where we relate more and more with robots
and devices for many needs, wants and desires.
Nonetheless, the art and reality of being good at conversing
with others makes human relationships hum.
Sherry Turkle wrote of an interviewing technique in her
“Employers have come to appreciate the vulnerability of
the new generations. Some businesses explicitly screen
for an ability to converse.” A big pharma exec told of a
conversation with an applicant. Then, at the end ‘I tell the
potential recruit that their homework is to organize what we
have discussed and from that make an agenda of interesting
themes for our next conversation.’
This approach emphasizes the importance of listening skills,
getting a clear understanding of each person’s ideas and
purpose and being able to synthesize a cogent argument.
This is not to say that the advantages digital technologies
are not used and important. It emphasizes the “and” in
conversation and digital technologies, in addition to knowing
when and how and when not.
The author states some well demonstrated doctrines like
practice with conversation and digital technologies is key–
use it or lose it…
She adds in texting, punctuation is everything (it is easily
I liked where she relates the motivation for using digital
technologies (the Goldilocks effect) and what it does in
This easily readable book is a recommended read for
technical professionals who want to get ahead and seek
some good advice.
Did you sign a non-compete agreement with your current employer?
Did you keep your employment offer letter that promised certain
What are your retirement benefits from your first employer–
did you maintain your employee handbook? [if the company
still exists and functions…]
These are valuable insights that Al Sklover poses in formulating
a defensive “go” file in case you need details of your
take his prudent advice.
While surfing to learn about a former employer and
possible future changes in its pension arrangement,
I came upon a practical wbesite that I wish to share
with you on financial matters.
BFG. Interesting discussions are provided on: