Welcome to Pro Commerce
Commerce is the greatest human institution.
I discuss the reasons commerce exists, and why it is of primary importance to human survival. Most that has been written fails to understand commerce.
I have nearly a century of experience with commerce, starting with my role in creating the first global credit card, MasterCard, authoring uniquely important books:
The Seven Laws of Money, Marketing Without Advertising and The Most Important Book in Human History.

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The Commerce Mindset: Prosperity Through Trade and Exchange
The essence of commerce lies in the mutual benefit derived from trade and exchange. Adopting a ‘Pro Commerce’ mindset incentivizes businesses to create value in every transaction, enriching both consumer experiences and the economic health of the community. It encourages entrepreneurs to embrace transparent practices, ethical trade, and a consumer-centric approach, which in turn builds
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Commerce has no Pope
Commerce has no pope, no king, no emperor, no constitution, no general and no supreme commander. Socialism and Communism have their tyrants, despots, Great Leaders, millions of sophisticated professors, tens of millions of wise politicians and hundreds of millions of bureaucrats. In the great global Pax Americana of the past 70 years, commerce has lifted
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Embracing the Power of Commerce in Today’s Economy
Commerce, often termed as the backbone of a thriving economy, stands at the forefront of modern society’s progression. Michael Phillips, a renowned economist, once emphasized that ‘Commerce is the greatest of all human institutions,’ elucidating its integral role in fostering growth, enabling innovation, and bridging markets globally. Taking a leaf from his insights, businesses today
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Pieces of Glass
It is my opinion that humans aren’t very smart, most social improvements are the byproduct of technological change and technology is really math and accidents with increments of change that result from failures. Let’s begin with the greatest change in human life. It’s what happened in Amsterdam in the first decade of 1600. The whole
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Entertaining Gods of Commerce
Why is the first commercial president so keen on ending warfare? Before I try to answer that question let me summarize where we are. Since the late 1980’s I have used the term Pro Commerce for my global view. My permanent google search for that term turns out about one usage a year, mostly in
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Irrelevant Comment on The Wall Street Journal
I’ve read the WSJ for over fifty years, excluding the 1970’s when I paid no attention to any major media. In the current few decades I found the news section was the same as the totally fake New York Times; I ignored it. I read primarily the last three pages of the front section and
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The Best Restaurant in America
That could be a pretty pretentious label for me to give to any object or business. But I will defend it. The restaurant is Greens in San Francisco at Ft. Mason and ‘yes’ it is a vegetarian restaurant. The Best Restaurant in America. . I don’t have legitimate credentials for saying anything about any restaurant.
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The Best Restaurant in America
That could be a pretty pretentious label for me to give to any object or business. But I will defend it. The restaurant is Greens in San Francisco at Ft. Mason and ‘yes’ it is a vegetarian restaurant. The Best Restaurant in America. . I don’t have legitimate credentials for saying anything about any restaurant.
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Israel for the Next Few Centuries
Military experts the world over are commenting on the Rising Lion attack from Israel on Iran. The militaries of the world are the first to appreciate Israel. But Israel’s contribution is orders of magnitude greater than what appears on the surface. The little tribe that left Egypt three thousand years ago gave us the modern
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My Immoral Invention
‘Back in the day’ I did the marketing research for BankAmericard; now called Visa. Their problem at the time was a loss ratio of 5%. High for personal loans by banking standards. My job was to find the ‘bad actors.’ In those days we had computers but they were fed by punch cards. So I
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What I Know About Joe Biden From the News
I know that over one million people world wide have known for more than four years that Joe Biden is senile and incapable of being president of the United States. The million people consist of every foreign office on the planet, every journalist on the planet, and their friends. I knew that Joe Biden was
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I’m an Economist, the Rest Aren’t
After three years at U.C. Berkeley graduate school of economics I should have been given a PhD, in 1964, but the pro-Castro faculty made that an impossibility. Let us begin. Capital is not factories, planes, buildings, or anything else physical. Capital is all accurate knowledge. After the War, Germany and Japan rebuilt and promptly returned