Believe it or not, that’s my quote.  It comes from a conversation I had with a client several years ago.  He and his friend were at a local gas station when I pulled up and we started chatting. We ended up discussing some pretty heavy stuff that day- which was a little strange being that … More I am the sum of life-long decisions made…

It’s hard ( & expensive) to be prepared for everything.  It takes time, money…but most importantly- thought and planning. I just had a dear friend pass away prematurely.  He was kind, smart and a better person would be hard to find- but,  I wonder when he left this existence, did he have things in order.  Was … More Being Prepared…

I guess it’s like some dogs… they are so ugly that they’re cute!  Well so it is in this tiny little place we call “God’s Country”. Amador and Calaveras folk (and all of HomeRun’s insurance customers) are invited to participate in this most distinguished event which includes bragging rights and $300 bucks to the proud … More The “Ugly Sweater”

Several years ago I was taken in by a Ponzi scheme introduced to me by a friend.  For years I was told how good it was and “boy, was I missing out”!  But it was just too good to be true I would say…  Finally after about 4 years I succumbed and met Mr. Ponzi … More If it walks like a duck…

This is how insurance works, it’s called the “Law of Large Numbers”. You spread risk out among a large number of people- hopefully much of which is “low risk”, this makes insuring the “high risk” much more affordable.  Hence, if a company insured only bad drivers, auto rates would be much more.  But, with good drivers … More The Law of Large Numbers…

Every hour of the day, criminals use tricks and sophisticated tools to try to break into people’s email, internet banking and records. Dealing with the repercussions of this crime is difficult. Some important identity theft facts are: Identity theft is the fastest growing crime in America. The number of identity theft incidents has reached 9.9 … More Identity Theft

Basically the agreement with the Federal Government was that “Hey, we won’t charge you today on this money- but you give us the right to tax you at whatever we want to down the road.” Historically the top marginal tax rate has averaged almost 59%. Today we’re in the mid 30% range.  With deficit spending … More 401k’s/IRA’s- Possibly the “Great Deception”!

Hello everyone!  My name is “John”- but family and friends call me Johnnie (plus John was already taken)…  I hope I can add some insights that help you make informed decisions- at least what I think in the world according to Johnnie!