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gallusrostromegalus: huggablekaiju: aughtomaton: banyanyabread: elionking: rootbeergoddess: voidbat: callmebliss: rikodeine: ajax-daughter-of-telamon: tastefullyoffensive: (photo via princessmisery) This is a great idea! this is really cool. Kids hate the big plastic keys cos they’re not interesting, they wanna see the things the grownups use all the time I kinda want one of these. DUDE. it’s a giant fucking stim board! GENIUS. This is brilliant  Shit, I might make one of these for myself ^^ This is extremely devopmentally appropriate and smart Hey! They had a thing like this at my preschool, because not only is it a great entertainment center, its also a great tool for teaching toddlers fine motor skills.We also had a board with the fronts of shirts, jackets etc cut out and mounted so we could fool around with and learn how to use buttons, zippers, velcro etc, which meant I was dressing myself pretty early. We also had leftover keyboards, computer mice (sans cables) and a mix and match board of connector cables (bolted down and too short to strangle ourselves with) because I lived in silicon valley in the early 90’s when the tech boom was happening and parents would donate computer stuff for us to fuck around with.Im looking at those gate locks up there and that’s a bit of a bespoke parenting- Dad does run the risk of teaching this toddler how to escape a gated area like the yard, but if the kid isn’t prone to wandering, it’s a good safety thing for him to learn.Some other things to put on a fine motor skills stimboard: doorknobs and handles, switches and buttons (esp of you can wire them up to do something- kids learn patterns way earlier than you might think), window locks and cranks, assorted textures like carpet, fabrics, those reversible sequins, pebbles, sandpaper etc, the tops of jars with different kinds of lids top open and close, and (if you can stand it) anything that makes noises.But pretty much anything that can be fiddled with, changed by touching and is safe to nom on is a good thing.An additional caveat, from my own youth: if the fine motor boards are down at toddler height, dogs, cats, most pet birds and some reptiles will also play with and learn to manipulate these things. Which is also good mental stimulation for them but you can give your animals interesting ideas about what is ok to handle and teach them skills you might not want them to know.: gallusrostromegalus: huggablekaiju: aughtomaton: banyanyabread: elionking: rootbeergoddess: voidbat: callmebliss: rikodeine: ajax-daughter-of-telamon: tastefullyoffensive: (photo via princessmisery) This is a great idea! this is really cool. Kids hate the big plastic keys cos they’re not interesting, they wanna see the things the grownups use all the time I kinda want one of these. DUDE. it’s a giant fucking stim board! GENIUS. This is brilliant  Shit, I might make one of these for myself ^^ This is extremely devopmentally appropriate and smart Hey! They had a thing like this at my preschool, because not only is it a great entertainment center, its also a great tool for teaching toddlers fine motor skills.We also had a board with the fronts of shirts, jackets etc cut out and mounted so we could fool around with and learn how to use buttons, zippers, velcro etc, which meant I was dressing myself pretty early. We also had leftover keyboards, computer mice (sans cables) and a mix and match board of connector cables (bolted down and too short to strangle ourselves with) because I lived in silicon valley in the early 90’s when the tech boom was happening and parents would donate computer stuff for us to fuck around with.Im looking at those gate locks up there and that’s a bit of a bespoke parenting- Dad does run the risk of teaching this toddler how to escape a gated area like the yard, but if the kid isn’t prone to wandering, it’s a good safety thing for him to learn.Some other things to put on a fine motor skills stimboard: doorknobs and handles, switches and buttons (esp of you can wire them up to do something- kids learn patterns way earlier than you might think), window locks and cranks, assorted textures like carpet, fabrics, those reversible sequins, pebbles, sandpaper etc, the tops of jars with different kinds of lids top open and close, and (if you can stand it) anything that makes noises.But pretty much anything that can be fiddled with, changed by touching and is safe to nom on is a good thing.An additional caveat, from my own youth: if the fine motor boards are down at toddler height, dogs, cats, most pet birds and some reptiles will also play with and learn to manipulate these things. Which is also good mental stimulation for them but you can give your animals interesting ideas about what is ok to handle and teach them skills you might not want them to know.
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thehugwizard: soulreaper22345: thehugwizard: messynogenderpotato: xxminxthealphawolfxx: no-me-llores-mas: silentlycrazy: caninotexsistforawhile: silent-suicides: thedarkchocolatedandy: sxeman69: but then again, its kind like putting a meat suit on and telling a shark not to eat you We (men) are not fucking sharks! We are not rabid animals living off of pure instinct We are capable of rational thinking and understanding.  Just because someone is cooking food doesn’t mean you’re entitled to eat it.  Just because a banker is counting money doesn’t mean you’re being given free money. Just because a person is naked doesn’t mean you’re entitled to fuck them.  You are not entitled to someone else’s body just because it’s exposed.  What is so fucking difficult about this concept? How can you not reblog something like this Boom As a man I’m real fucking tired of the idea that I have no impulse control. We all have it, some of you jackasses just think you’re above it. FUCKING THIS??? Thank you normal men of Tumblr Fucking come on, look im a guy, i was taught to respect all people and not be a fucking creep, when did respect stop being taught? When did consent start to be ignored in favor of being a creepy piece of shit? Fellow men, we need to shape up and be fucking better!!!! Your male friendo, The Hug Wizard “not all men” you’re absolutely right, @thehugwizard would never Because i was taught manners and respect, needs to be taught to guys more, sub par education and the like : thehugwizard: soulreaper22345: thehugwizard: messynogenderpotato: xxminxthealphawolfxx: no-me-llores-mas: silentlycrazy: caninotexsistforawhile: silent-suicides: thedarkchocolatedandy: sxeman69: but then again, its kind like putting a meat suit on and telling a shark not to eat you We (men) are not fucking sharks! We are not rabid animals living off of pure instinct We are capable of rational thinking and understanding.  Just because someone is cooking food doesn’t mean you’re entitled to eat it.  Just because a banker is counting money doesn’t mean you’re being given free money. Just because a person is naked doesn’t mean you’re entitled to fuck them.  You are not entitled to someone else’s body just because it’s exposed.  What is so fucking difficult about this concept? How can you not reblog something like this Boom As a man I’m real fucking tired of the idea that I have no impulse control. We all have it, some of you jackasses just think you’re above it. FUCKING THIS??? Thank you normal men of Tumblr Fucking come on, look im a guy, i was taught to respect all people and not be a fucking creep, when did respect stop being taught? When did consent start to be ignored in favor of being a creepy piece of shit? Fellow men, we need to shape up and be fucking better!!!! Your male friendo, The Hug Wizard “not all men” you’re absolutely right, @thehugwizard would never Because i was taught manners and respect, needs to be taught to guys more, sub par education and the like
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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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