You can’t row the boat without “making waves” and if you are not rowing the boat you are likely only drifting where the currents take you. ~ Jerry Nix
By FreeWaveMaker, LLC — Jerry Nix Date: 08/06/2026 Welcome to the First Edition of “Scamming the Public 101” I’m launching this new weekly series for one reason: I’m tired of watching scammers steal millions — sometimes hundreds of millions — from innocent people, especially seniors, while our government barely lifts a finger. And when they …
Continue reading Scamming the Public 101: “Prove Me Wrong” Posts Are the Beginning of Scams
For 42 years as a financial advisor, I’ve watched people do something that makes perfect sense to them emotionally… but costs them money logically. They’ll say, “Jerry, I don’t want to touch my savings. I’ll just borrow the money.” Or the opposite: “Jerry, I don’t want a loan. I’ll just drain my savings.” But here’s …
Continue reading WHY BORROWING AGAINST A CD CAN SOMETIMES BE SMARTER THAN JUST USING THE CASH
By Jerry Nix, Freewavemaker, LLC on June 18, 2025 Life’s Roads There was a time, when I was a young man, that I thought I knew what I wanted out of life. Now I can picture all my friends and acquaintances I’ve met over the years laughing and saying, “When the heck were you a …
By: Freewavemaker, LLC (Jerry Nix Author) Date: 04/02/2025 I am trying to figure out why so many people are against …
Continue reading Tariffs the Magic Word to Make Us Rich Again
By: Jerry Nix | Freewavemaker, LLC Date Published: Thursday, March 13, 2025 There is a whole lot of talk going on among the soothe sayers of the main stream media about a potential US Government Shut Down …
By: Jerry Nix | Freewavemaker, LLC Date Published: Tuesday, March 11, 2025 Introduction Title IX has been a widely discussed topic in mainstream media, yet many—including those in academia—struggle to fully grasp its scope and implications. As someone who never attended college, I initially had little understanding of what it truly entailed. After speaking with …
By Freewvemaker, LLC (Jerry Nix Author) February 05, 2025 Art Provided by Copilot AI 1 The Money Changers Why do I bring Money Changers into the final part of my Social Insecurity Article? I think this has been one of the biggest problems that have led to many of the current issues in the Social …
Continue reading Social Insecurity and the Cost-Of-Living ( Part 4)
By: Freewavemaker, LLC (Jerry Nix Author) Date: 01/05/2025 Part 3: Cost of Living for Social Security Recipients I ended Part …
Continue reading Social Insecurity and the Cost-of-Living – Part 3
Part 2: More History and the Problems with Social Security I left off part one stating this: “Why doesn’t my money in my Social Security account draw any interest?” The answer is really quite simple. I will go into the answer to this and more in Part 2 which I will post in two days …
Continue reading Social Insecurity and the Cost-of-Living Increases – Part 2
By: Freewavemaker, LLC (Jerry Nix Author) Date: 01/05/2019 Part 1: My Story and a Little History of Social Security I retired in July 2018 from a career as a financial advisor, and thank God I did not plan to live 100% on Social Security. I thought I understood what retired people on Social Security, alone, …
Continue reading Social Insecurity and the Cost-of-Living Increases – Part 1