Author DM Celley

April 2021

THE PANDEMIC’S CASH SURPLUS EFFECT

In spite of the pandemic and recession, US consumers will have an impressive stockpile of cash ready to use.  What’s surprising is that household savings generally do not increase during a recession.  Net household incomes often fall as pay and/or benefits decline and breadwinners are subject to losing their jobs.  Savings are then consumed and

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WHO WAS THE FIRST AMERICAN REVOLUTIONARY?

Washington?  Jefferson?  Samuel Adams?  John Hancock?  All these men figured prominently in our country’s independence.  There are others, however, whose contribution was very important, but are not remembered in the same context as those above.  One such individual was Dr. Joseph Warren. Background:  Joseph Warren was born on a farm in Roxbury, Massachusetts, June 11,

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GLOBAL WARMING AND THE GREAT LAKES

The Great Lakes that border between the U.S. and Canada, are one of the largest freshwater reserves on the earth constituting about twenty percent of the entire world’s supply.  This irreplaceable ecosystem holds as much as six quadrillion gallons of freshwater for the northern portion of the Western Hemisphere.  They were created by advancing and

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