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ask-kirby-sans: paddysnuffles: cyhiraeth: jumpingjacktrash: vertisol: offendedfunyarinpa: dduane: laurelai: angelalchemy: standbyfortitanfall: girlwithalessonplan: heliosapollo: losed: A CROW TRIED TO GO IN OUR CLASSROOM AND HE HAD A PEN yes hello i am here to learn geometries That crow is more prepared than some of my students. You’ve all just like, completely skipped over the possibility that this crow has seen people using pens in this room, found one, and is trying to return it. There’s been videos of crows picking up sweet wrappers and stuff and placing them in bins after seeing humans put their litter in bins. I really do believe that this crow is trying to return the pen and that is ADORABLE AS HELL.  THEY ARE SO SMART I LOVE THEM Crows are thought to be self aware by some scientists. Its perfectly possible the crow wants to return the pen to humans. Knowing it belongs to humans. Corvids. Who KNOWS. :) Another cool crow deal: Once, when trying to assess if crows could reason and use tools, scientists had two crows who didn’t know each other each take a wire from a table (one was hooked, one was straight) and try to grab meat from a bottle with it. The crows could see each other, though they had separate bottles. Only the straight wire worked for this, so they hypothesized that if crows could reason, the second trial would have the two crows fighting over the straight wire. The second trial started and, to the surprise of the scientists, the two crows both went for the bent wire, one held it down and the other unbent it. They both got meat out of their bottles. They came to a peaceful solution without verbal communication. Crows are probably smarter than we are. they still shit all over the place and eat garbage ok but so do we @neurodivergent-crow Cool facts about crows: 1. Crows understand the concept of gifts. There’s a little girl who started feeding the murder by her house and they started bringing her trinkets (cool pebbles, coins, shiny things, bleached animal bones, etc) as a thank you.  2. Crows remember who has been kind to them and tell other crows about the nice humans. There are various examples of people who have helped crows and the crows not only come back to say hi, but also bring friends who need help over for the nice human to help. 3. Crows are the only other animal known to make tools in order to make another tool. 4. Crows have been proven to have a sense of self If you mark them with a coloured dot that they can see and then show them their reflection in a mirror they soon realize that the reflection is them and not another crow. 5. Crows have regional dialects and accents. They are also able to copy each other’s dialects and accents to fit in if they move to an area where the accent is different. 6. Crows regularly visit their parents after leaving the nest. They also regularly live with their parents after reaching adulthood to help with raising their younger siblings for up to five years before moving out. Crows are better than people : ask-kirby-sans: paddysnuffles: cyhiraeth: jumpingjacktrash: vertisol: offendedfunyarinpa: dduane: laurelai: angelalchemy: standbyfortitanfall: girlwithalessonplan: heliosapollo: losed: A CROW TRIED TO GO IN OUR CLASSROOM AND HE HAD A PEN yes hello i am here to learn geometries That crow is more prepared than some of my students. You’ve all just like, completely skipped over the possibility that this crow has seen people using pens in this room, found one, and is trying to return it. There’s been videos of crows picking up sweet wrappers and stuff and placing them in bins after seeing humans put their litter in bins. I really do believe that this crow is trying to return the pen and that is ADORABLE AS HELL.  THEY ARE SO SMART I LOVE THEM Crows are thought to be self aware by some scientists. Its perfectly possible the crow wants to return the pen to humans. Knowing it belongs to humans. Corvids. Who KNOWS. :) Another cool crow deal: Once, when trying to assess if crows could reason and use tools, scientists had two crows who didn’t know each other each take a wire from a table (one was hooked, one was straight) and try to grab meat from a bottle with it. The crows could see each other, though they had separate bottles. Only the straight wire worked for this, so they hypothesized that if crows could reason, the second trial would have the two crows fighting over the straight wire. The second trial started and, to the surprise of the scientists, the two crows both went for the bent wire, one held it down and the other unbent it. They both got meat out of their bottles. They came to a peaceful solution without verbal communication. Crows are probably smarter than we are. they still shit all over the place and eat garbage ok but so do we @neurodivergent-crow Cool facts about crows: 1. Crows understand the concept of gifts. There’s a little girl who started feeding the murder by her house and they started bringing her trinkets (cool pebbles, coins, shiny things, bleached animal bones, etc) as a thank you.  2. Crows remember who has been kind to them and tell other crows about the nice humans. There are various examples of people who have helped crows and the crows not only come back to say hi, but also bring friends who need help over for the nice human to help. 3. Crows are the only other animal known to make tools in order to make another tool. 4. Crows have been proven to have a sense of self If you mark them with a coloured dot that they can see and then show them their reflection in a mirror they soon realize that the reflection is them and not another crow. 5. Crows have regional dialects and accents. They are also able to copy each other’s dialects and accents to fit in if they move to an area where the accent is different. 6. Crows regularly visit their parents after leaving the nest. They also regularly live with their parents after reaching adulthood to help with raising their younger siblings for up to five years before moving out. Crows are better than people
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trans-mom: Claim: “Trans” is short for “transition.” The Truth: “Trans” is short for “transgender.” It is just a descriptor of a person’s gender. Claim: You must experience dysphoria in order to be trans. The Truth: Incorrect. Dysphoria is an old, outdated term that’s been redefined over time to cover new specific needs. Despite its constant redefining, it’s still not an all encompassing descriptor for all trans people. Claim: You must pursue hrt and surgery to be trans. The Truth: Incorrect. There are a variety of reasons why someone wouldn’t want to have hrt or surgery, all of them valid. Claim: If you’re trans, you’d show very specific signs as a child. / All trans people knew they were trans since a young age. The Truth: A lot of trans people do not possess obvious signs of their transhood as children. Lots of people discover themselves later in life. Your age does not dictate your transhood.  Claim: Transition is solely defined by hrt or surgery. The Truth: Transition begins from the moment you feel you’re trans and need to alter things in your life. Transition isn’t only medical. It’s also social, but most of all it’s personal. Something like making a plan to come out in the future is part of your transition. Claim: You have to come out to everyone. The Truth: That’s personal information you owe no one.  Claim: Most trans people detransition. The Truth: Detransitioning is rare. And in most cases it’s because of financial and safety (read: bigoted harm) reasons. The claim that most trans people detransition is based on an old study where the kids were exposed to anti-lgbt rhetoric and when people didn’t return his calls he marked them as “detransitioned.” The amount of people who detransition cuz they “weren’t trans” is extremely rare. Claim: Being on hrt will make you more depressed. The Truth: Incorrect. Statistics show that the majority of trans people’s lives improve with hrt. What actually would cause depression is the constant harassment and harm from bigots, often times from the same people who told you hrt will make you depressed. Hrt itself is documented to improve the quality of life. Claim: You don’t need hrt. There are pills on the market made from natural means that will give you the same result without a prescription. The Truth: This is not only false, but it’s a money making scheme meant to exploit your lack of easy access to hrt. These pills will not work, they will actually have the opposite effect, and they cost the same as obtaining hrt without a prescription on average. Claim: You absolutely must have a prescription for hrt. It’s illegal to get it without and you’ll die if you don’t have proper understanding. The Truth: Morality isn’t dictated by legality. And, though some dangers exist with self medicating with no knowledge, as someone that did self medicated hrt it’s not impossible for you to get educated. Testosterone poses more legal risks and you need to be sure what you’re getting is the real deal with T, but the need to do things this way is a sign the system is broken - not that there’s something wrong with the people doing it. For information about feminizing hormones, go here. For information about masculinizing hormones, go here. Claim: You can get hrt through Planned Parenthood. The Truth: Accurate! Planned Parenthood does offer hrt on an informed consent basis in some places. This is not true to everywhere so maybe call them or check their own web site about it before just dropping in. Smallangryandtired did an excellent write up on how to do the process here.  However, as I said, they do not offer it in all locations. The main path a lot of people take is going to a therapist for a session or two and getting a letter from said therapist approving you for hrt and taking that to a doctor (who in turn usually recommends you to a specialist). Claim: After a certain age, there’s no point to do hrt. It won’t have the same effect. The Truth: That is a lie. Hrt will work no matter your age. Claim: You can be too young for hrt and puberty blockers are dangerous. The Truth: That is also a lie. Lots of people have known they’re trans since they were kids and refusing them treatment is child abuse. If a doctor deems a kid too young for hrt, the alternative is puberty blockers because they are not harmful to the child at all. Despite what anti-lgbt groups want you to believe, there is no danger to puberty blockers. Claim: There are only two genders. / Nonbinary people don’t exist. / Biological sex dictates gender. The Truth: The biological sex you know is only truly representative of gender stereotypes. The truth is that, biologically speaking, there are more than two sexes and the only true way to identify such is through karyotypes. Third genders and nonbinary genders have existed through out history, it is not new. The greatest minds in science have time and time again repeated this information, that sex isn’t a binary, that nonbinary people exist, that trans women are really women, trans men are men, and that nonbinary people are nonbinary. Even Bill Nye has said this. Claim: Things like “stargender” or “noungender” are ruining the representation of the trans community. / “Noungender” is just children trying to get attention and are not actually trans. / People using neopronouns or nounself pronouns are not really trans. The Truth: This in inaccurate and often times either a bullying tactic towards those who are different, or transphobic people using such to isolate a group of trans people. Some people do not fit into the binary or gender nor feel like they’re in any defined nonbinary genders. So they’ll define themselves with words and terms they enjoy. It’s no different from you feeling more comfort from being called “he” versus “she.”  And, in the off chance it is someone just seeking attention. It doesn’t matter. Let them have their fun. They’re not ruining anything calling themselves spacegender on tumblr dot com. Claim: There are people faking being trans to fit into a crowd. / The entire concept of “transtrenders.” The Truth: Not true. This is just age old blatant “you’re faking” transphobia.  Claim: Trans people on hrt or post-op can not experience sexual enjoyment. The Truth: Both will change your body’s entire response to sex. Your enjoyment doesn’t disappear, the entire process just changes to something different. This inaccuracy is spread by transphobes on average and isn’t remotely true. Claim: Trans people have a high rate of suicide. The Truth: I’m sorry to say that trans people are under the stress of discrimination from all angles, and on top of other stresses or discriminations one may experience, it leads us into suicidal ideation. But, that’s why we need to stick together and help each other out. If you’re trans and considering suicide, consider the following: National Suicide Prevention Hotline:  1-800-273-8255 Trans Lifeline USA:  1-877-565-8860 Trans Lifeline Canada: 1-877-330-6366 The Trevor Project Hotline:  1-866-488-7386 The Trevor Project also offers texting and chat You deserve to live your life. I promise you you’re strong enough to get through this. : trans-mom: Claim: “Trans” is short for “transition.” The Truth: “Trans” is short for “transgender.” It is just a descriptor of a person’s gender. Claim: You must experience dysphoria in order to be trans. The Truth: Incorrect. Dysphoria is an old, outdated term that’s been redefined over time to cover new specific needs. Despite its constant redefining, it’s still not an all encompassing descriptor for all trans people. Claim: You must pursue hrt and surgery to be trans. The Truth: Incorrect. There are a variety of reasons why someone wouldn’t want to have hrt or surgery, all of them valid. Claim: If you’re trans, you’d show very specific signs as a child. / All trans people knew they were trans since a young age. The Truth: A lot of trans people do not possess obvious signs of their transhood as children. Lots of people discover themselves later in life. Your age does not dictate your transhood.  Claim: Transition is solely defined by hrt or surgery. The Truth: Transition begins from the moment you feel you’re trans and need to alter things in your life. Transition isn’t only medical. It’s also social, but most of all it’s personal. Something like making a plan to come out in the future is part of your transition. Claim: You have to come out to everyone. The Truth: That’s personal information you owe no one.  Claim: Most trans people detransition. The Truth: Detransitioning is rare. And in most cases it’s because of financial and safety (read: bigoted harm) reasons. The claim that most trans people detransition is based on an old study where the kids were exposed to anti-lgbt rhetoric and when people didn’t return his calls he marked them as “detransitioned.” The amount of people who detransition cuz they “weren’t trans” is extremely rare. Claim: Being on hrt will make you more depressed. The Truth: Incorrect. Statistics show that the majority of trans people’s lives improve with hrt. What actually would cause depression is the constant harassment and harm from bigots, often times from the same people who told you hrt will make you depressed. Hrt itself is documented to improve the quality of life. Claim: You don’t need hrt. There are pills on the market made from natural means that will give you the same result without a prescription. The Truth: This is not only false, but it’s a money making scheme meant to exploit your lack of easy access to hrt. These pills will not work, they will actually have the opposite effect, and they cost the same as obtaining hrt without a prescription on average. Claim: You absolutely must have a prescription for hrt. It’s illegal to get it without and you’ll die if you don’t have proper understanding. The Truth: Morality isn’t dictated by legality. And, though some dangers exist with self medicating with no knowledge, as someone that did self medicated hrt it’s not impossible for you to get educated. Testosterone poses more legal risks and you need to be sure what you’re getting is the real deal with T, but the need to do things this way is a sign the system is broken - not that there’s something wrong with the people doing it. For information about feminizing hormones, go here. For information about masculinizing hormones, go here. Claim: You can get hrt through Planned Parenthood. The Truth: Accurate! Planned Parenthood does offer hrt on an informed consent basis in some places. This is not true to everywhere so maybe call them or check their own web site about it before just dropping in. Smallangryandtired did an excellent write up on how to do the process here.  However, as I said, they do not offer it in all locations. The main path a lot of people take is going to a therapist for a session or two and getting a letter from said therapist approving you for hrt and taking that to a doctor (who in turn usually recommends you to a specialist). Claim: After a certain age, there’s no point to do hrt. It won’t have the same effect. The Truth: That is a lie. Hrt will work no matter your age. Claim: You can be too young for hrt and puberty blockers are dangerous. The Truth: That is also a lie. Lots of people have known they’re trans since they were kids and refusing them treatment is child abuse. If a doctor deems a kid too young for hrt, the alternative is puberty blockers because they are not harmful to the child at all. Despite what anti-lgbt groups want you to believe, there is no danger to puberty blockers. Claim: There are only two genders. / Nonbinary people don’t exist. / Biological sex dictates gender. The Truth: The biological sex you know is only truly representative of gender stereotypes. The truth is that, biologically speaking, there are more than two sexes and the only true way to identify such is through karyotypes. Third genders and nonbinary genders have existed through out history, it is not new. The greatest minds in science have time and time again repeated this information, that sex isn’t a binary, that nonbinary people exist, that trans women are really women, trans men are men, and that nonbinary people are nonbinary. Even Bill Nye has said this. Claim: Things like “stargender” or “noungender” are ruining the representation of the trans community. / “Noungender” is just children trying to get attention and are not actually trans. / People using neopronouns or nounself pronouns are not really trans. The Truth: This in inaccurate and often times either a bullying tactic towards those who are different, or transphobic people using such to isolate a group of trans people. Some people do not fit into the binary or gender nor feel like they’re in any defined nonbinary genders. So they’ll define themselves with words and terms they enjoy. It’s no different from you feeling more comfort from being called “he” versus “she.”  And, in the off chance it is someone just seeking attention. It doesn’t matter. Let them have their fun. They’re not ruining anything calling themselves spacegender on tumblr dot com. Claim: There are people faking being trans to fit into a crowd. / The entire concept of “transtrenders.” The Truth: Not true. This is just age old blatant “you’re faking” transphobia.  Claim: Trans people on hrt or post-op can not experience sexual enjoyment. The Truth: Both will change your body’s entire response to sex. Your enjoyment doesn’t disappear, the entire process just changes to something different. This inaccuracy is spread by transphobes on average and isn’t remotely true. Claim: Trans people have a high rate of suicide. The Truth: I’m sorry to say that trans people are under the stress of discrimination from all angles, and on top of other stresses or discriminations one may experience, it leads us into suicidal ideation. But, that’s why we need to stick together and help each other out. If you’re trans and considering suicide, consider the following: National Suicide Prevention Hotline:  1-800-273-8255 Trans Lifeline USA:  1-877-565-8860 Trans Lifeline Canada: 1-877-330-6366 The Trevor Project Hotline:  1-866-488-7386 The Trevor Project also offers texting and chat You deserve to live your life. I promise you you’re strong enough to get through this.

trans-mom: Claim: “Trans” is short for “transition.” The Truth: “Trans” is short for “transgender.” It is just a descriptor of a person’s...

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glyndarling: aerylon: loloftheday: Let’s see you little punks smash my letterbox now This reminds me of this guy who used to live on my dad’s street.   Every time it snowed, the snow plow would take out his mailbox - and only his mail box.  And just to be clear - it was done intentionally.  No one knows why, but the driver of the snow plow would target his box and mow it down.  He’d call the DOT to complain, and would get an earful of excuses that amounted to “not our fault you have a wimpy mailbox.”   Fast forward to the next winter.  First decent snow starts falling, and every kid is hoping for a snow day.  It was right around 4:30 am that the whole neighborhood was woken up to this loud CLANG and the screech of tearing metal.  My dad made it to the window first and started laughing his ass off. Sitting out side was one very totaled, and almost ripped in half, snow plow.  And these weren’t little pick-up trucks with a blade on the front, we have these up in NY: Well, turns out over the summer, my dad’s neighbor got himself a backhoe and sank a steel I beam into the ground in his front yard.  Then he covered it with a decorative wood sleeve and topped it with a brand new mailbox.  When the snowplow driver tried to mow it down it was a bad case of immovable object meets unstoppable force - and the mailbox won.  With the plow firmly impaled on the I beam, it was very clear that the driver had gone out of his way to hit it.   Naturally, the DOT wasn’t happy, and the neighbor’s reply was simple: “Not my faulty you have a wimpy snowplow.”  They did try to sue him for the damages, but as he had gone to the town, gotten approval for the post and its installation, and made sure everything was up to code, it was thrown out pretty quick.   And for anyone wondering about the driver…  He was fine.  His job and tighty-whiteys … not so much. That is a very satisfying read. : 1AM glyndarling: aerylon: loloftheday: Let’s see you little punks smash my letterbox now This reminds me of this guy who used to live on my dad’s street.   Every time it snowed, the snow plow would take out his mailbox - and only his mail box.  And just to be clear - it was done intentionally.  No one knows why, but the driver of the snow plow would target his box and mow it down.  He’d call the DOT to complain, and would get an earful of excuses that amounted to “not our fault you have a wimpy mailbox.”   Fast forward to the next winter.  First decent snow starts falling, and every kid is hoping for a snow day.  It was right around 4:30 am that the whole neighborhood was woken up to this loud CLANG and the screech of tearing metal.  My dad made it to the window first and started laughing his ass off. Sitting out side was one very totaled, and almost ripped in half, snow plow.  And these weren’t little pick-up trucks with a blade on the front, we have these up in NY: Well, turns out over the summer, my dad’s neighbor got himself a backhoe and sank a steel I beam into the ground in his front yard.  Then he covered it with a decorative wood sleeve and topped it with a brand new mailbox.  When the snowplow driver tried to mow it down it was a bad case of immovable object meets unstoppable force - and the mailbox won.  With the plow firmly impaled on the I beam, it was very clear that the driver had gone out of his way to hit it.   Naturally, the DOT wasn’t happy, and the neighbor’s reply was simple: “Not my faulty you have a wimpy snowplow.”  They did try to sue him for the damages, but as he had gone to the town, gotten approval for the post and its installation, and made sure everything was up to code, it was thrown out pretty quick.   And for anyone wondering about the driver…  He was fine.  His job and tighty-whiteys … not so much. That is a very satisfying read.
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kingfucko: goawfma: pretends to be shocked  the robot sees a black man and says “this is a criminal” because the robot is taught by humans who are part of a society. specifically the robot is taught by mostly-white and definitely-majority-nonblack americans, who are part of a fascist racist hell society. this shit happens every single fucking time. and every time some fuckhead idiot goes BUT TECHNOLOGY WILL SOLVE SOCIAL PROBLEMS as if technology isn’t fucking MADE by people who are PART OF SOCIETY i fucking die a little more: The Daily Dot Follow @dailydot Amazon's facial recognition tech linked athletes to mugshots, ACLU says: dailydot.com/layer8/facial- 8:33 AM - 22 Oct 2019 548 Retweets 816 Likes Rashad Robinson OF CHr Follow @rashadrobinson Pictures of nearly one in every six athletes in a study of 188 were falsely matched with mugshots by Amazon's facial recognition technology. More proof of what we already know: this technology has bias baked into its coding and has no place in public housing or law enforcement. The Daily Dot @dailydot Amazon's facial recognition tech linked athletes to mugshots, ACLU says: dailydot.com/layer8/facial-... 12:11 PM 25 Oct 2019 35,100 Retweets 81,681 Likes kingfucko: goawfma: pretends to be shocked  the robot sees a black man and says “this is a criminal” because the robot is taught by humans who are part of a society. specifically the robot is taught by mostly-white and definitely-majority-nonblack americans, who are part of a fascist racist hell society. this shit happens every single fucking time. and every time some fuckhead idiot goes BUT TECHNOLOGY WILL SOLVE SOCIAL PROBLEMS as if technology isn’t fucking MADE by people who are PART OF SOCIETY i fucking die a little more
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financialeconomicsexplainedus: POSTED:  10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple! After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker! Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000! So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”…… And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years…. MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE! Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account. Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”. CURRENT MARKET :  MY OPINION Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc. When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN. THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT…. Flash : Pendulum financialeconomicsexplainedus: POSTED:  10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple! After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker! Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000! So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”…… And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years…. MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE! Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account. Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”. CURRENT MARKET :  MY OPINION Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc. When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN. THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT…. Flash

financialeconomicsexplainedus: POSTED:  10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle...

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financialeconomicsexplainedus: POSTED:  10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple! After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker! Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000! So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”…… And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years…. MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE! Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account. Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”. CURRENT MARKET :  MY OPINION Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc. When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN. THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT…. Flash : Pendulum financialeconomicsexplainedus: POSTED:  10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple! After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker! Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000! So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”…… And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years…. MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE! Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account. Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”. CURRENT MARKET :  MY OPINION Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc. When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN. THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT…. Flash

financialeconomicsexplainedus: POSTED:  10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle...

Save
financialeconomicsexplainedus: POSTED:  10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple! After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker! Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000! So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”…… And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years…. MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE! Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account. Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”. CURRENT MARKET :  MY OPINION Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc. When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN. THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT…. Flash : Pendulum financialeconomicsexplainedus: POSTED:  10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple! After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker! Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000! So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”…… And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years…. MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE! Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account. Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”. CURRENT MARKET :  MY OPINION Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc. When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN. THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT…. Flash

financialeconomicsexplainedus: POSTED:  10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle...

Save