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Dave Slomer
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Dave Slomer

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I love the vibrato on those repeated six-note piano passages and the bridge; that alone would classify the song as "haunting" if only it were just guitar and piano. The drums not only add nothing, they detract from the song's beauty--they suddenly announce themselves and take over. I could take or leave the bass. The first and last verses (sans coda) are what the song should be. But I love the song anyway. It's beautiful.

Dave Slomer

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Wow, Stack. I'd LOVE to see what your right hand is doing! Looks sort of like a hummingbird is attacking the strings! GREAT job. Including voice.

Dave Slomer

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What a typically annuity-industry self-serving pile of rubbish. "Good news for Alan." There may not be a law against what this crook did, but it's still a crime. "I think the insurance carriers are making the people whole." Do ya? Prove it. "Would have set a bad precedent for the industry." Would have done WONDERS for unknowledgable clients of the future if these scumbags knew they'd face jail time. "$100 surrender fee." Name ONE TIME that was ever the fee. Give HARD EVIDENCE of ONE TIME when churning a client was good for the client.

Dave Slomer

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One reason people don't know how much they need to retire is ignorance of how compound interest and mathematical annuities--not the kind sold by insurance companies--work. There's vocabulary to learn, which is bad enough; but the math is overwhelming, right? Wrong. Learn the words and use tools, such as the Present and Future Value of Annuity (not the insurance vehicle) tools at the first place Google directed me to: http://www.calculatorsoup.com/calculators/financial/present-value-annuity-calculator.php and http://www.calculatorsoup.com/calculators/financial/future-value-annuity-calculator.php, Actual dollar amounts involved are based on a very complex formula, but you can play with the numbers and, of special note, observe, for example, that the LOWER the "interest rate" in a Present Value computation (set by the company to their advantage), the HIGHER the payout to you (or equivalently the LOWER the amount of cash required to achieve the same monthly payout). I taught calculus for many, many years, but not until I was in my late 30's did I bother to investigate this and not until the Internet bubble burst did I learn how to do my OWN investments, since our friendly FA had HER interests at the fore, not ours. I CHOSE ignorance, I guess. You don't have to, either. Visit the sites. Here's where to begin to see that there is a difference between the mathematical concept and the insurance product: http://en.wikipedia.org/wiki/Annuity. But be sure to follow the link on that page, which is this: http://en.wikipedia.org/wiki/Annuity_(finance_theory). Don't let the formulas and verbiage put you off. Learn the meanings of a half-dozen terms and be proactive in determining your financial future.

Dave Slomer

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Don't buy this at face value. Seek other unbiased advice. If he has more videos than this 15-minute one that further describe annuities, well... there's the adage that you shouldn't invest in anything that you don't understand, and you can't possibly understand any annuity that has a 3-inch-thick prospectus, because you aren't going to read it in the first place, because it's impossibly-constructed to obfuscate the underlying truth. And the insurance salesperson is not going to explain it because she wants that glittery commission. I'll be  honest--I didn't view the entire 15 dreadful minutes but skipped around, just enough to know that this deserves severe scrutiny.

Dave Slomer

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Dave Slomer

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EXACTLY what I needed to see! THANK your for making it SO CLEAR!

Dave Slomer

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Wow, Tony. I Googled "How many guitars are playing on Steve Goodman's 'The Dutchman'," and found you and got the answer, which I was pretty sure was "one", though it sounds like more--I saw an east-of-Cincinnati-area guy (whose name I have sadly fogotten) play this song alone at the Clifton YMCA's "Leo Coffeehouse" maybe 20 years ago. He knocked us all out. You and he make it look so easy. I wish I'd seen Steve Goodman play it. Sad loss. 

Dave Slomer

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Talentless singing and ukelele (?)(surely that's not a guitar!!) playing on yet another insipid Apple iPhone commercial. Makes me wish "Gigantic" would come back. "NO video?" you ask? Go here the life of dreams and skip the first 1:43. Did you think you couldn't hate it more? It reminds me of Popeye's "theme song"... "I'm Popeye the sailor man..."

Dave Slomer

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I have never heard a more beautiful song, so sweetly sung and arranged. Nor have I ever been moved to tears so easily after so few lines. There is hope for popular music as long as there are artists such as Alison Sudol, My only regret is not having learned of A Fine Frenzy before now. All the crummy stuff the pop music stations play while shunning such as this.... Go figure.

Dave Slomer

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What a crock. They are routinely sold as investments; so much for blaming Wall Street for "comparing annuities to investments." The perfect candidate for an annuity is the gullible, the person who doesn't sufficiently research them.

Dave Slomer

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This is a way of discouraging "universal linearity".
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