Richard Cummings
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Top VPN Reviews

Top VPNs of 2022: An Honest Review of What VPN You Should Choose and Why

Richard Cummings

Top VPN ReviewsWelcome to an honest assessment of the best VPN products on the market in 2022.

I’m creating this page out of sheer frustration because of the numerous false claims by supposed, genuine reviews of VPN services.

The truth nowadays in 2021 is that VPN services are all pretty decent. The majority of the Top 5 VPN services in the list below are fast, secure, and reliable.

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2020 Stimulus Check

Third Stimulus Check: March 13th, 2021 Updates [Checks Are Coming!]

Richard Cummings

2020 Stimulus CheckWant some good news? Yes, you will be getting a third stimulus check! Find out when and how much below.

While many want to know when they will receive their 2020 coronavirus stimulus check and are busy stocking up on Coronavirus protective equipment, others want to know what the delay is as the coronavirus continues.

Rest-assured, I’ve got you covered from all angles with daily updates about the third stimulus check. 

Let’s begin with the Stimulus Payment FAQs and then take a look at the daily stimulus updates.





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The End of Her by Shari Lapena: A Book Review by Richard Cummings

Richard Cummings

the-end-of-her-book-review-by-richard-cummingsI haven’t been disappointed by a Shari Lapena book since fate brought us together. Would the trend continue or is The End Of Her going to be our first disappointment as a couple?

Our relationship began with The Couple Next Door, a sultry fictional treat filled with deception, betrayal, and surprising twists with every turn of the page.

It was like the beginning of every relationship when your partner can do no wrong and every moment with that person is a delight.

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donald-trump-2020-election

The 2020 Presidential Election: For Whom I Voted and Why

Richard Cummings

donald-trump-2020-electionEvery year since 2008, I’ve written a for whom I voted and why piece (2008, 2012, 2016).

I confess — this year I’m completely baffled.

I don’t understand how it’s possible that any reasonable person could consider voting for Donald Trump — there’s just so many things to completely exclude him as a viable candidate.

I’m at such a loss as to why we even need to articulate these things; we’ve had four years where they have plainly revealed themselves.

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Countries With The Highest Quality of Life

Income Equality and Standard of Living | Are you Better Off if Your Neighbors Aren’t?

Richard Cummings

income-inequality-standard-of-livingIn this article, we will take a look at countries with high income equality AND inequality and ask the question:  Between these two, which leads to a better standard of living for the whole?

I recently wrote an article about socialism in Sweden.  With Joe Biden promising higher taxes on those making over $400,000 if he wins the presidency, the arch-conservative Fox News threatened that we would become the next “socialist Sweden” if this were to happen.

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smh-meaning-shaking-my-head

SMH Explained: What does “SMH” mean and should I use it?

Richard Cummings

smh-meaning-shaking-my-headIf you are wondering what SMH means and want to make sure that you’re using it correctly, I’m going to explain everything about the term “SMH”, when you should use it, and perhaps most importantly, when you should not use it…so you don’t make a fool of yourself (examples below).

We’ve all seen scenarios in which people use terms or expressions completely out of context. And this is why I need to explain to you what “SMH” means. I want to save you from yourself.

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second-round-of-stimulus-payments

A Second Stimulus Check Payment in 2020 – Get the Latest Updates!

Richard Cummings

second stimulus checkWill you be receiving a second stimulus check payment in 2020 and, if so, how much will it be?

The current amount that you would receive in a second stimulus check of 2020 would be roughly equivalent to the first stimulus check of 2020.

Many of you have already received your first 2020 stimulus payment and gotten all of your Coronavirus protective gear. If your first stimulus payment has not yet arrived, you should be receiving your check or direct deposit shortly if you do not exceed the income thresholds of $75,000 for the full payment of $1,200 or $99,000 for a partial payment.

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direct-deposit-stimulus-check

Web Portal for Direct Deposit of Second 2020 Stimulus Check [October Updates]

Richard Cummings

direct deposit stimulus checksWant to get your second 2020 stimulus check quicker than the first?  Here is show to get setup with direct deposit for the second stimulus payment.

There is a web portal to submit your direct deposit information to the IRS and, if you did not get it set up in time for the first stimulus check, you may want to setup direct deposit for the second stimulus payment, which will happen if the Heroes Act (read summary) or an equivalent passes the Senate, who are still negotiating as of October, 2020.

It might not be surprising that many people are confused as to whether their 2020 stimulus check will be direct deposited or if they will be receiving a check.

One of the reasons for this is that there are actually two web portals (discussed below) which can be very confusing.

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then-she-was-gone-book-review

Then She Was Gone: A Book Review by Richard Cummings

Richard Cummings

then-she-was-gone-book-review-richard-cummingsThen She Was Gone by Lisa Jewell has one juicy plot twist and several interesting, often cringeworthy, characters. Does that make it worth a read? Let’s find out!

When I began Then She Was Gone by Lisa Jewell, the writing and the Englishness of it all resonated with me: have I read a Lisa Jewell book before?

Of course, I thought, I have even reviewed The Family Upstairs, one of her recent novels and one I thoroughly enjoyed.

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