Thoughts from the Frontline

Highly acclaimed free weekly investment and economic newsletter

"If you're not reading John Mauldin, you should be."

&8212;G. Gilder

John Mauldin is a renowned financial expert, a New York Times best-selling author, and a pioneering online commentator. Each week, over 1 million readers turn to Mauldin for his penetrating view on Wall Street, global markets, and economic history.

Join our 1 million readers today!

Start My Free Subscription

Reader Comments

"You are the most thought provoking, balanced and direct analyst I know of. I'm sure glad I read you several years ago and started following you."

—J.F.

"You really do have a fine ability to explain technical matters in an understandable way a very rare gift indeed!"

—M.A.

"I enjoy your letters more than anything I receive from my other email. I just enjoy the intellectual, friendly banter."

—D.B.

"Everyone I've referred to your newsletter loves it. You should take this show on the road."

—R.S.

"Your weekly e-letters are the most important investment document I receive each week."

—T.M.

"My wife and I have been reading your report since 2000. We have enjoyed reading every report. Thank you for being so honest, candid, and open with your readers."

—G.H.

"I just wanted to let you know how much I appreciate your letter. I look forward to it every week. There are not many blogs or investment letters I trust but yours is one. I also like the fact that you are regular guy, a bright one, yes, but one I can identify with."

—M.B.

"During this volatile and unpredictable stock market, John provides some brilliant insights about what is really going on in the economy, both nationally—and globally. Every investor should receive this FREE weekly E-Letter."

—B.K.

The readers comments are specifically in reference to Thoughts From the Frontline e-letter published by InvestorsInsight Publishing, Inc. These comments in no way are testimonials or comments on the investment advisory firm Millennium Wave Advisors, LLC. For privacy policy reasons initials have been used for each reader's comment.

Latest Issue

Waste, Fraud, and Abuse

November 22, 2024

Politicians and think-tank wonks of all stripes love to condemn government “waste, fraud, and abuse.” But saying it isn’t hard. Who is the opposition? No one says we need more waste, fraud, and abuse. We’re all 100% agreed all three are bad.

It’s when you get specific—saying this agency or that program isn’t accomplishing what it should—that disagreement arises. Sometimes it’s pure self-interest. As I said last week, one man’s waste is another man’s revenue. But more often, people just have different objectives.

We use those three words together—waste, fraud, abuse—but they’re actually three distinct problems requiring three different approaches.

Waste happens when the government spends money but receives no corresponding benefit. It can be well-intentioned. Congress authorizes some kind of program expecting a certain result, but it doesn’t work that way in practice. Or it can come from poor planning or inadequate research into whatever problem the money was supposed to address.

Fraud is the use of deception to get something you aren’t authorized to receive. A classic example would be someone falsely claiming injury so they can get disability benefits. Or maybe a business exaggerates its expenses and/or hides income to reduce its tax liability. These things happen all the time and they’re very hard to stop without draconian enforcement measures, which are themselves quite expensive.

Abuse is when people apply a legitimate privilege selfishly. It can be subtle and hard to...

Read Full Newsletter

Connect With Mauldin