america-the-new-mexico

America: The New Mexico?

america-the-new-mexicoThis essay was written in the mid-2000’s when the economies of Europe were thriving and the U.S. was unknowingly on the threshold of one of the biggest financial disasters in our history.

This essay asks an important question that is perhaps even more valid today:  Are our entrenched practices holding us back in the modern economy?

One startling example of this is the advances made in China.  As we read in the article Why California can’t compare with China, “China has built almost 30,000 kilometers of high-speed rail lines since the beginning of the century, while the US has completed virtually none.”

Obviously, our Democratic principles have a lot to do with this.   Rightfully, we are unwilling to stifle the rights of the people for progress.  But we still need to consider workable solutions because, while our people are not being stifled, our country may be.

Enjoy the article below from the early 2000’s.


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Richard CummingsAmerica: The New Mexico?
what-is-a-roth-ira

What Is A Roth IRA [2020 Edition]?

what-is-a-roth-iraIf you are wondering what is a Roth IRA, I am here to provide you the answer in a colloquial manner that, hopefully, will shed some light and humor on how well (or poorly) you’ll be spending your retirement years.

So, what is a Roth IRA? Let’s first delve into the acronym.

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Richard CummingsWhat Is A Roth IRA [2020 Edition]?
Top-10-Auto-Insurance-Companies

Top Rated Auto Insurance Companies In United States [2020 Edition]

Top-10-Auto-Insurance-CompaniesMany of my readers have written to ask me: “What are Top Rated Auto Insurance Companies In the United States?”

I’ve become the answer man for these types of questions. So, today I have donned the investigative hat and compiled this 2020 list of the Top 10 Auto Insurance Companies for you.

I recommend that you visit each of the companies below to find out which one meets your car insurance needs and your budget.

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Richard CummingsTop Rated Auto Insurance Companies In United States [2020 Edition]
bidet-uruguay

Uruguay: Bills, Bidets, and Boundaries

bidet-uruguayThere are 3 main cell phone companies:  Ancel, MovieStar, and CTIMovil.

Like most South Americans, nobody here makes a phone call.  If you receive one, it’s important, or the person is rich and lazy.

It’s comparatively expensive to make a phone call.  Everyone WhatsApps everything-it’s kind of hassle.  It’s not uncommon for someone to say “oh, my phone is out of money.”  You refill your phone through phone cards.   Many people buy these at these stores called Abitab.  I could not figure out what these stores really did at first.  I thought they were just places that sold lottery tickets.  I have since learned that many things here are quite…Antiquated…

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Richard CummingsUruguay: Bills, Bidets, and Boundaries
uruguay-freakonomics

Living In Uruguay–Richard’s Freakonomics

uruguay-freakonomicsThis is an article I wrote about the Freakonomics of Uruguay back in 2007. Some of the observations would no longer be accurate today (like the tattoo one!) ……but some would. Thus, I leave this article about Uruguayan Freakonomics here for a glimpse of the past and perhaps some revelations about the present.


I met a girl named Maria the other day which is not unusual because a large number of girls here bear that name.  What was unusual is that Maria had a tattoo, or as Vince Vaugh’s character in Wedding Crashers says, “might as well be a bullseye”.

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Richard CummingsLiving In Uruguay–Richard’s Freakonomics
Obama Tax Cuts: Middle Class and Wealthy

Obama and Tax Cuts: The “Middle Class” vs The Wealthy

Obama Tax Cuts: Middle Class and Wealthy

Obama Wants Tax Extension for Middle Class

In 2012, President Obama wants to extend the Bush tax cuts for “middle class” but not the wealthy.

As the end deadline approaches for the Bush era tax cuts, President Obama seeks to continue the tax cuts for the middle class but allow the tax cuts for the rich to lapse.

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Richard CummingsObama and Tax Cuts: The “Middle Class” vs The Wealthy