The Thoughts On Life BlogFrom Where I Sit, are Richard’s written thoughts, looking at life from a retired point of view. He talks about how things have changed, both for the good and bad, since he was a younger man and how he sees things going forward in the future.  Topics include music, songwriting, finance, technology,  and as the title says, thoughts on life.  

Recent Blog Posts

Writing Original Songs

Writing Original Songs

My First Original Song I tried to write my first song when I was in my early 20’s, but I had little chord progression knowledge

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Insured Or Self Insured

How a Retired Insurance Broker Buys Insurance

I buy insurance when I want to insure for events that may happen to me, but could not or do not want to pay for the loss financially.

The most important types of insurance to insure against, are catastrophic losses. These losses happen very infrequently, but would create financial hardships for most people, if no insurance was in place.

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Who Owns The Melody

Who Owns the Melody ?

Every songwriter works in a field of “Melodic Landmines” because of any song melodies that have already been copyrighted through recording.

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My Drum History On YouTube

My Drum History on YouTube

Official Artist Channel on YouTube My YouTube channel has recently been approved as an OAC – Official Artist Channel. It is designated by a small

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Every Form Of Refuge

Every Form of Refuge – song history

If a cheap price is the most important thing, we would all be living in tents and riding bicycles. A tent provides us shelter and a bicycle provides us transportation. Neither are very comfortable or practical in the winter, but they are the cheapest solution.

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Credit In My Life

Credit In My Life

My First Credit Card I needed credit in my life.  But I needed to learn how to use credit right.  Around 1980, credit cards were

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Technology Saved Me Time

Technology Saved Me Time The Drive Across Town In the mid 1980’s, I worked from home before it was popular, selling insurance, and real estate.

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Thoughts On Life Blog

Thoughts On Life

- From Where I Sit - Blog

Richard writes periodic blog posts from his thoughts, and whatever is on his mind.