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readerjohn: peaceheather: thequeensphinx: roll–initiative: meme-xirl-wonder: luidilovins: asundergrowth: lovelyloseruniverse: asundergrowth: vocifersaurus: abrakafcukyou: bitterfucked: breastforce: how to tell if your worldbuilding is Bad i didn’t wanna reblog this just cos it doesn’t deserve to get seen but: a) dwarves don’t share the gender binary that humans use, heterosexual versus homosexual is meaningless to them b) gnomes have such a predilection towards illusions that gender is primarily based on presentation. because of consistent interaction with humans, they tend towards visually hetero relationships just for sake of public ease but gnomes all know gender is an ilusion c) halflings are super community oriented. they would be incredibly accepting of homosexuality because frowning on someone for liking a particular gender is counter to community building d) goblins don’t believe in sexuality they believe in food e) orcs are 100% butch lesbians and bears. they are totally gay with a small side of being attracted to muscles and soft hairy bellies “but if they’re all gay how do they reproduce?” magic rituals motherfucker it’s a fantasy world f) tieflings never have a predominant culture and tend to ascribe to human values, with a bit of “i’m already an outcast, so anything goes”. i don’t wanna say tieflings are super gay just because there is a lot of baggage that comes with the evil demon race being super gay but tieflings are super gay g) dragonborn carry a lot of draconic values, one of the most notable being vanity. if a dragonbron is gay, they will literally be the embodiment of that “move, i’m gay” video. taboo my ass just try to stop that dragonborn, they’ll show you the meaning of flaming bottom line here is really that if you thought the dnd races were straight you were so wrong. i am going to find you and rub my gay ass on your player’s handbook bury me with this post it’s perfect Goblins don’t believe in sexuality they believe in food. Consider: Orcs are like bats. 95% of them are homosexual because the few orcs that ARE straight produce children at insane rates. Because of this, adoption is considered the norm in Orc society. Orcs are unconcerned with lineage and do not take a family name, but rather a clan or tribe name. I like this Straight orcs never stop fucking and its a problem Are you saying that 95% of bats are gay? You can’t argue with the facts. “Oh yeah, those two are Gnarla and Lorg, they are the Fuckers™” Holy shit imma show this to my dm and he is just gonna die laughing The fuckers @godkingsanointed   @rapid-artwork: readerjohn: peaceheather: thequeensphinx: roll–initiative: meme-xirl-wonder: luidilovins: asundergrowth: lovelyloseruniverse: asundergrowth: vocifersaurus: abrakafcukyou: bitterfucked: breastforce: how to tell if your worldbuilding is Bad i didn’t wanna reblog this just cos it doesn’t deserve to get seen but: a) dwarves don’t share the gender binary that humans use, heterosexual versus homosexual is meaningless to them b) gnomes have such a predilection towards illusions that gender is primarily based on presentation. because of consistent interaction with humans, they tend towards visually hetero relationships just for sake of public ease but gnomes all know gender is an ilusion c) halflings are super community oriented. they would be incredibly accepting of homosexuality because frowning on someone for liking a particular gender is counter to community building d) goblins don’t believe in sexuality they believe in food e) orcs are 100% butch lesbians and bears. they are totally gay with a small side of being attracted to muscles and soft hairy bellies “but if they’re all gay how do they reproduce?” magic rituals motherfucker it’s a fantasy world f) tieflings never have a predominant culture and tend to ascribe to human values, with a bit of “i’m already an outcast, so anything goes”. i don’t wanna say tieflings are super gay just because there is a lot of baggage that comes with the evil demon race being super gay but tieflings are super gay g) dragonborn carry a lot of draconic values, one of the most notable being vanity. if a dragonbron is gay, they will literally be the embodiment of that “move, i’m gay” video. taboo my ass just try to stop that dragonborn, they’ll show you the meaning of flaming bottom line here is really that if you thought the dnd races were straight you were so wrong. i am going to find you and rub my gay ass on your player’s handbook bury me with this post it’s perfect Goblins don’t believe in sexuality they believe in food. Consider: Orcs are like bats. 95% of them are homosexual because the few orcs that ARE straight produce children at insane rates. Because of this, adoption is considered the norm in Orc society. Orcs are unconcerned with lineage and do not take a family name, but rather a clan or tribe name. I like this Straight orcs never stop fucking and its a problem Are you saying that 95% of bats are gay? You can’t argue with the facts. “Oh yeah, those two are Gnarla and Lorg, they are the Fuckers™” Holy shit imma show this to my dm and he is just gonna die laughing The fuckers @godkingsanointed   @rapid-artwork
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goat-yells-at-everything: nickyvmlp: segasister: nickyvmlp: goat-yells-at-everything: cannibalgurlcreations-blog: This is for those of you saying “We only have so many cases, why are we shutting stuff down?” It’s so it doesn’t do anymore growing so you stay at “we only have so many cases”. It’s also so you don’t spread it to grandma, grandpa, mom, dad, Uncle Bob with diabetes, your pregnant cousin Jill, etc. Now go wash your hands and follow the last two hashtag. You follow it, the other hashtags will lead to the first 4 happening. #dontkillgrandpa #dontkillgranma #dontkillunclebob #dontkilljillandbaby #quitwhining #quitbeingaselfishprickhttps://www.instagram.com/p/B917299FaDC8eS04vGFUId0N-NaQ1Hk6JXXs6c0/?igshid=1a5wx8z2b3qkq Note: These are CONFIRMED cases from testing. These are not the actual numbers because; a) many people (especially those in late 20s to mid 30s) are a-symptomatic which means you can be infected with the virus and NOT KNOW IT because YOU DONT GET SICK but you can still spread it to others! b) many people will have mild symptoms and just treat themselves at home (which is absolutely what you SHOULD be doing. you only need to go to the ER if you are having serious issues) and so are not being tested. Though, a lot of these people are just assuming they have a cold or allergies and still going out. THATS why they’re shutting things down. Its to keep people from congregating in closed spaces where the virus can move from person to person easily. So wash your hands, stay home, and just cool your heels for now. Dang, why’s Louisiana taking it so hard? NY is taking it harder than everyone else though Yea but were tiny down here. New Orleans is a major international port and tourism mecha, though. Small population but high tourism so a lot of activity and movement to pass it around. And here’s a chart comparing the death rates to the seasonal flu so if y’all could shut the absolute fuck up about them basically being the same thing that would be great. Remember we have reliable vaccine and treatment for the seasonal flu. This is a novel coronavirus. Novel in this instance means new. We are not nearly as equipped to deal with it as we are with the flu and it’s proving to be far more deadly already.: goat-yells-at-everything: nickyvmlp: segasister: nickyvmlp: goat-yells-at-everything: cannibalgurlcreations-blog: This is for those of you saying “We only have so many cases, why are we shutting stuff down?” It’s so it doesn’t do anymore growing so you stay at “we only have so many cases”. It’s also so you don’t spread it to grandma, grandpa, mom, dad, Uncle Bob with diabetes, your pregnant cousin Jill, etc. Now go wash your hands and follow the last two hashtag. You follow it, the other hashtags will lead to the first 4 happening. #dontkillgrandpa #dontkillgranma #dontkillunclebob #dontkilljillandbaby #quitwhining #quitbeingaselfishprickhttps://www.instagram.com/p/B917299FaDC8eS04vGFUId0N-NaQ1Hk6JXXs6c0/?igshid=1a5wx8z2b3qkq Note: These are CONFIRMED cases from testing. These are not the actual numbers because; a) many people (especially those in late 20s to mid 30s) are a-symptomatic which means you can be infected with the virus and NOT KNOW IT because YOU DONT GET SICK but you can still spread it to others! b) many people will have mild symptoms and just treat themselves at home (which is absolutely what you SHOULD be doing. you only need to go to the ER if you are having serious issues) and so are not being tested. Though, a lot of these people are just assuming they have a cold or allergies and still going out. THATS why they’re shutting things down. Its to keep people from congregating in closed spaces where the virus can move from person to person easily. So wash your hands, stay home, and just cool your heels for now. Dang, why’s Louisiana taking it so hard? NY is taking it harder than everyone else though Yea but were tiny down here. New Orleans is a major international port and tourism mecha, though. Small population but high tourism so a lot of activity and movement to pass it around. And here’s a chart comparing the death rates to the seasonal flu so if y’all could shut the absolute fuck up about them basically being the same thing that would be great. Remember we have reliable vaccine and treatment for the seasonal flu. This is a novel coronavirus. Novel in this instance means new. We are not nearly as equipped to deal with it as we are with the flu and it’s proving to be far more deadly already.
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ophidahlia: Coca-Cola (and Dixie Cup) pioneered the recycling movement in the 40’s to get people to return valuable glass bottles by charging almost half of the cost of the drink in a returnable fee. Nearly everyone returned their bottles; it was a huge success. When they switched to plastic in the 50’s it became more profitable to just toss bottles away so they used shell organizations to secretly lobby congress and senates to kill recycling bills while simultaneously creating massive ad campaigns to convince the public that recycling was all the consumer’s responsibility. This isn’t a conspiracy theory, it’s public knowledge that gets drowned out in the noise made by their PR firms. Last year Coca-Cola was still up to the same environmental villainry. More recycling advertising campaigns and killed bottle-fee bills which have been long proven to massively boost recycling rates but also push the cost of recycling from the consumer onto the manufacturer. That’s also detailed in the previous link. Don’t ever make the mistake of thinking that large corporations care about this world or anything in it other than profit. They’ll engage in charity as an investment if the campaign offers good return for their brand value and public image, but don’t think for a second we can get capitalists to behave ethically through any other means than forcing them to do it. : ophidahlia: Coca-Cola (and Dixie Cup) pioneered the recycling movement in the 40’s to get people to return valuable glass bottles by charging almost half of the cost of the drink in a returnable fee. Nearly everyone returned their bottles; it was a huge success. When they switched to plastic in the 50’s it became more profitable to just toss bottles away so they used shell organizations to secretly lobby congress and senates to kill recycling bills while simultaneously creating massive ad campaigns to convince the public that recycling was all the consumer’s responsibility. This isn’t a conspiracy theory, it’s public knowledge that gets drowned out in the noise made by their PR firms. Last year Coca-Cola was still up to the same environmental villainry. More recycling advertising campaigns and killed bottle-fee bills which have been long proven to massively boost recycling rates but also push the cost of recycling from the consumer onto the manufacturer. That’s also detailed in the previous link. Don’t ever make the mistake of thinking that large corporations care about this world or anything in it other than profit. They’ll engage in charity as an investment if the campaign offers good return for their brand value and public image, but don’t think for a second we can get capitalists to behave ethically through any other means than forcing them to do it.

ophidahlia: Coca-Cola (and Dixie Cup) pioneered the recycling movement in the 40’s to get people to return valuable glass bottles by char...

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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...

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