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    Publisher's Note:         

I have felt for a long time that the various bureaus of governments offer misleading information as to the state of their economies. I cannot understand the need to "seasonally" adjust data except for purely political benefits. We decided to compare "seasonally" adjusted data with straight forward unadjusted data. We conducted our study for the last nine years. We were originally going to do ten but we did not have a complete set of quarterly GDP data for the ten years. In addition, the The Bureau of Economic Analysis has changed their methodolgy over the years. Therefore, we decided to use the data as originally published in our comparisons. The results is the subject of this month's Small Business Management article.

This month's Guest Article was written by Gary D. Halbert of Halbert Wealth Management, Inc. and is reprinted from his weekly E-Letter. I disagree with Mr. Halbert's position on many subjects. However, I am in total agreement with his November 13, 2018 E-Letter. Debt whether it is personal or public will bring down everything we desire. No, I don't believe there is any "good debt." All debt, except in extreme situations, needs to be avoided. Mr. Halbert feels so strongly about this, he has given permission to all his readers to share his E-Letter widely.

If you wish to subscribe to his E-Letter, you may do so here.

As always, take time to read Dr. Marcia Yudkin's Marketing Minute comments.

Enlighten Thoughts

Small Business Management
Small Business Management              

Are You Basing Your Decisions On Accurate Data?             
                          Raymond D. Matkowsky                                     

Guest Article
Guest Contributions

                       US "Debt Held by the Public" vs. Total National Debt                                                                                                                                                                                                                    
                                           Gary D. Halbert                                            

Marketing Minute
Marketing Minute Subscription Page and this week's Marketing Minute
Marcia Yudkin, Ph.D
(New Marketing Minute each Wednesday)

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Overview of the U.S. Economy
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