Do Not Take Any Wooden Nickels

I was a curious 6 year-old when my Grandfather said those words to me.


At the time, I asked my Grandfather what it meant, but he just smiled.

But his words stuck with me and a few years later when I heard him say those exact same words to another 6 year-old, I had a better idea of what he meant.

He probably meant “do not take anything at face value.”

Today when I look it up, it means “be cautious in one’s dealings.”

That sums up my view of life and of finances.

When I see a curious 6 year-old in the future.  I know not to say, “Be cautious”.  That would be boring.  But saying “Don’t take any wooden nickels.” makes one think.

I owe a lot to my Grandfather for making me think about nickels and finances.

For more information on the history of wooden nickels, see


What To Do With That Tax Refund

In a couple of weeks, you will be able to purchase my new book, in hardback, in paperback or in e-book form.


The book is a murder mystery that takes place in 2034.

Oh! You say you did not get a tax refund?  Well, in a week or so, the very first 2 chapters will be posted right here on my website for free.

Then soon after, you will want to purchase the entire book via

Thanks for all your support.  I think you will enjoy it as much as I did writing it.