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my-discourse-blog: ryrythescienceguy: Children being naturally exposed to a variety of germs from a very young age (from dirt, pets, playplaces, sandboxes, other kids, etc) is actually really good for the immune system and can even prevent the development of allergies. The reason food allergies are so common these days is precisely because parents are avoiding exposing their kids to possible trigger foods and not letting them get dirty (also the overuse of antibacterial soaps/hand santitizers and antibiotics!). Source: grew up on a farm, played in the dirt and with germy animals and germy siblings/cousins/friends all the time, and very rarely took antibiotics… today I’m 24, have zero allergies, and a great immune system (even my little sister is the same, and she wasn’t vaccinated until she was a teenager). This is also why oldest siblings and only children tend to have more allergies in my anecdotal experience; the parents often get overprepared and don’t let their kid get exposed to ANY germs/allergens—by the time other children come along the parents are jaded enough to not care about it as much, and thus the kids afterwards are exposed to more germs from birth! If this sounds weird and backwards, it’s because for a long time doctors used to teach the exact opposite. Keep your child clean and away from germs and potenial allergy triggers. Until they saw the long-term side effects of this and are now starting to tell new parents how to do it better. NOTE: I AM EXTREMELY PRO-VAX! DO NOT MISTAKE THIS COMMENT AS ANTI-VAX. VACCINATE YOUR FUCKING CHILDREN AND EXPOSE THEM TO GERMS IN A CONTROLLED WAY. THE HUMAN IMMUNE SYSTEM IS CAPABLE OF MANY THINGS BUT IT’S NOT A MIRACLE WORKER AND IT NEEDS HELP!!! Can confirm this is true. I’ve studied food science for 5 years and have 3 qualifications in food safety. : my-discourse-blog: ryrythescienceguy: Children being naturally exposed to a variety of germs from a very young age (from dirt, pets, playplaces, sandboxes, other kids, etc) is actually really good for the immune system and can even prevent the development of allergies. The reason food allergies are so common these days is precisely because parents are avoiding exposing their kids to possible trigger foods and not letting them get dirty (also the overuse of antibacterial soaps/hand santitizers and antibiotics!). Source: grew up on a farm, played in the dirt and with germy animals and germy siblings/cousins/friends all the time, and very rarely took antibiotics… today I’m 24, have zero allergies, and a great immune system (even my little sister is the same, and she wasn’t vaccinated until she was a teenager). This is also why oldest siblings and only children tend to have more allergies in my anecdotal experience; the parents often get overprepared and don’t let their kid get exposed to ANY germs/allergens—by the time other children come along the parents are jaded enough to not care about it as much, and thus the kids afterwards are exposed to more germs from birth! If this sounds weird and backwards, it’s because for a long time doctors used to teach the exact opposite. Keep your child clean and away from germs and potenial allergy triggers. Until they saw the long-term side effects of this and are now starting to tell new parents how to do it better. NOTE: I AM EXTREMELY PRO-VAX! DO NOT MISTAKE THIS COMMENT AS ANTI-VAX. VACCINATE YOUR FUCKING CHILDREN AND EXPOSE THEM TO GERMS IN A CONTROLLED WAY. THE HUMAN IMMUNE SYSTEM IS CAPABLE OF MANY THINGS BUT IT’S NOT A MIRACLE WORKER AND IT NEEDS HELP!!! Can confirm this is true. I’ve studied food science for 5 years and have 3 qualifications in food safety.
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prettyeyezciya: jess-curious: dynastylnoire: hugochillingsworth: onlyblackgirl: bruddabois: sobeitjay: catmasterfunk: thehighpriestofreverseracism: This is beautiful i will literally never not reblog this. do people really say that Yea I’ve heard people say that shit Yes, they say it all the time. http://instagram.com/miryamlumpini Here’s her account, her tattoos are so fantastic to look at. reblogging for the tattoo artists IG to be boosted I keep seeing this post and I’ve gotta speak up on it, because that isn’t a good example of color on dark skin.  I’m a tattoo artist, and I’ve had a bunch of clients come in saying they were told dark skin can’t take any color whatsoever, which is bullshit. The long and short of it is dark skin can take plenty of color, provided it isn’t too light. Tattoos look best when they’re fresh because the ink is still on the top layer of open skin. As the skin heals over the tattoo, the color gets less vibrant and defined. This is true of anybody of any skin tone. Tattoo pigments tend to act a lot like watercolor; they’re not terribly opaque in the skin, meaning that as that tattoo ages, the white will fade into patches of slightly lighter skin, and may disappear altogether, as will lighter colors like yellows and pinks. Many artists consider doing tattoos entirely or mostly in white ink to be irresponsible for that reason, and use white ink very sparingly to create small highlights, in places where even faded ink will add contrast. Notice how the yellow is all but gone on even the lightest skin, while the deeper reds have stayed. And that isn’t even factoring in sun exposure, how often the skin is submerged in water, friction, or how the skin in the area bends and flexes. I know extremely pale people who lost all the color in their tattoos in 5 years due to a variety of those factors; I’m pale as they come, and the yellow in my oldest tattoo is only 2 years old and already super faded.  Color that lasts a long time is darker and more saturated than the skin it’s in. See how the butterfly is still noticeably purple, and stands out in all the skin tones? Teals, yellows, pinks and whites photograph beautifully in dark skin, but ultimately don’t have longevity as tattoos. Dark skin, however, can still take reds, blues, greens, purples, and browns beautifully! The best way to make color vivid in any skin is to put it in a strong black outline; tattoos like the one below will look like bruises as they age, and the fading color doesn’t have structured black to contrast and frame it. Here’s some color on dark skin that will age well! The yellows in this tattoo are very saturated and framed in lots of solid black; even if they fade, the fish will stay nice and vibrant. Similarly, the white in this tattoo will definitely lighten, but the dark reds and blacks will hold the tattoo together very well. Tl;dr, have a solid black outline, make sure the colors you pick are darker/more saturated than your own skin, and don’t rely too heavily on white. These are basic tattoo principles that can and should be used when deciding on any tattoo, regardless of skintone. Hope it helps! Reblogging for the amazing fucking information I just received on tattoos : prettyeyezciya: jess-curious: dynastylnoire: hugochillingsworth: onlyblackgirl: bruddabois: sobeitjay: catmasterfunk: thehighpriestofreverseracism: This is beautiful i will literally never not reblog this. do people really say that Yea I’ve heard people say that shit Yes, they say it all the time. http://instagram.com/miryamlumpini Here’s her account, her tattoos are so fantastic to look at. reblogging for the tattoo artists IG to be boosted I keep seeing this post and I’ve gotta speak up on it, because that isn’t a good example of color on dark skin.  I’m a tattoo artist, and I’ve had a bunch of clients come in saying they were told dark skin can’t take any color whatsoever, which is bullshit. The long and short of it is dark skin can take plenty of color, provided it isn’t too light. Tattoos look best when they’re fresh because the ink is still on the top layer of open skin. As the skin heals over the tattoo, the color gets less vibrant and defined. This is true of anybody of any skin tone. Tattoo pigments tend to act a lot like watercolor; they’re not terribly opaque in the skin, meaning that as that tattoo ages, the white will fade into patches of slightly lighter skin, and may disappear altogether, as will lighter colors like yellows and pinks. Many artists consider doing tattoos entirely or mostly in white ink to be irresponsible for that reason, and use white ink very sparingly to create small highlights, in places where even faded ink will add contrast. Notice how the yellow is all but gone on even the lightest skin, while the deeper reds have stayed. And that isn’t even factoring in sun exposure, how often the skin is submerged in water, friction, or how the skin in the area bends and flexes. I know extremely pale people who lost all the color in their tattoos in 5 years due to a variety of those factors; I’m pale as they come, and the yellow in my oldest tattoo is only 2 years old and already super faded.  Color that lasts a long time is darker and more saturated than the skin it’s in. See how the butterfly is still noticeably purple, and stands out in all the skin tones? Teals, yellows, pinks and whites photograph beautifully in dark skin, but ultimately don’t have longevity as tattoos. Dark skin, however, can still take reds, blues, greens, purples, and browns beautifully! The best way to make color vivid in any skin is to put it in a strong black outline; tattoos like the one below will look like bruises as they age, and the fading color doesn’t have structured black to contrast and frame it. Here’s some color on dark skin that will age well! The yellows in this tattoo are very saturated and framed in lots of solid black; even if they fade, the fish will stay nice and vibrant. Similarly, the white in this tattoo will definitely lighten, but the dark reds and blacks will hold the tattoo together very well. Tl;dr, have a solid black outline, make sure the colors you pick are darker/more saturated than your own skin, and don’t rely too heavily on white. These are basic tattoo principles that can and should be used when deciding on any tattoo, regardless of skintone. Hope it helps! Reblogging for the amazing fucking information I just received on tattoos
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earthsong9405: All done with Urbosa’s redesign and the additional sketches for her role in my headcanon! <: As usual I didn’t change too much but I gave her a slightly different hairstyle, some tusks (as is natural for Gerudo in my headcanon), and a brand new outfit! She has such lovely colors to work with, I love her so much ;-;But I’m sure ya don’t wanna hear me babble about how enjoyable her design is. So, let’s go straight into the headcanon! <:————————--Urbosa is the current chief of the Gerudo and serves as the acting Champion for them as well. As a Champion in this timeline, she holds a key component in gaining access to Old Hyrule-”Champion” in this timeline doesn’t fully hold the same function as it once did in BotW. Instead of being chosen to pilot the Divine Beasts, a Champion are a handful of chosen warriors that serve as Hyrule’s best line of defense against any threat. Despite every group of peoples having their own form of governing, culture, and way of life, all of them are still united under the banner of Hyrule, and the Champions could be the physical representation of this tight alliance. A Champion may not necessarily have a lot of political power by themselves but what they represent and what they stand for still puts them in a high position in social status and therefore their word often holds significant weight. As not only the chief of Gerudo but also their Champion, Urbosa is in a position of having more power than what would typically be seen for a Chief. Thankfully though, she doesn’t abuse it and leads her people well: there’s a reason she’s so well respected and loved among not only the Gerudo, but across Hyrule as well.-As one of the original Champions, Urbosa retains many of her memories from her past life, including what ultimately led to her death-I’ve always liked the idea of Urbosa being a motherly figure to just about anyone she meets, but that also includes being an actual mother! Her kid in this headcanon is Riju <:-While Urbosa isn’t actually related to Ganondorf, he refers to her as his “aunt”. Of all the Gerudo in his life, Urbosa was a consistent presence, often visiting him and his parents at their secluded home in the middle of Korok Forest. She’d bring stories of adventure and gifts and even helped train him to be a skilled warrior, but as much as she loves the boy her visits held an alternative motive.-As a whole, no one really knows of Ganondorf’s past as being the vessel for the Demon King, but if anyone would have any idea about it it’d certainly be the Sheikah and the Gerudo. As per tradition in their culture, a newborn Gerudo must be brought forth to a shaman for examination to ensure their health and to fully proclaim their citizenship as a new member of the tribe. When Ganondorf was examined, the first thing the shaman noticed was the peculiar mark upon his chest: a birthmark in the shape of the wound that struck Demise down all those thousands of years ago. In seeing the mark the shaman took the baby away from his mother and brought it to the council and Urbosa to discuss what to do with it.The Gerudo are intimately familiar with the history surrounding the Demon King and how he stole one of their own, so the mark was very telling of what the child once was. And given the long stretch of peace Hyrule was experiencing it understandably buzzed some fear among the elder council. Many were afraid his birth meant an end to that peace, that the Demon King had somehow reincarnated once more and meant to bring hell back to Hyrule.So in response to all of this, the elders argued amongst each other about a solution. Many ruled the boy too dangerous to allow him to grow older and demanded he be… dealt with. Others deemed that too cruel, even for a damned child, and suggested they simply leave him somewhere far away: let nature decide if he lives or dies. But, as chief and Gerudo Champion of Hyrule, it ultimately came down to Urbosa’s choice. She held the babe her council hissed demon, stared at the birthmark that marked him as a vessel, heard the pleading sobs of the boy’s mother over the whispers of “we’ll make it quick, but we mustn’t let him live”, “he is dangerous, he will bring doom to us all” “end it now while he is weak”.Stared at the supposed demon child, who simply yawned in her grasp and blinked up at her with innocent, yellow eyes. She met the Demon King once: she had stared into that monster’s eyes while she fought it to her death in her past lifetime. She knows soulless eyes when she sees them… and this baby didn’t have those eyes.So Urbosa made her decision: the boy will not die. It was largely met with disbelief and anger: you will doom us all! they said. Despite Urbosa staying firm in her decision, it took her days of arguing with the council and the aid of a Sheikah Seer (who examined the child themselves and confirmed that he didn’t house the Demon King) to finally reach a compromise: the boy will live, but he can’t live among the Gerudo. He had to live with his mother in exile, and his growth had to be monitored as a precaution. The monitoring came in the form of Urbosa’s frequent visits.-Urbosa is close friends with Zelda’s parents and is also something of an “aunt” figure to Zelda as well; Zelda absolutely adores Urbosa and even sees her as more of a secondary mother figure than anything.————————————Aaaaaaaaand that’s all I have for Urbosa for now! If I think of anything else I’ll be sure to add more, and of course if ya have questions you’re more than free to ask them. <: Otherwise I hope you enjoy! ^.^: earthsong9405: All done with Urbosa’s redesign and the additional sketches for her role in my headcanon! <: As usual I didn’t change too much but I gave her a slightly different hairstyle, some tusks (as is natural for Gerudo in my headcanon), and a brand new outfit! She has such lovely colors to work with, I love her so much ;-;But I’m sure ya don’t wanna hear me babble about how enjoyable her design is. So, let’s go straight into the headcanon! <:————————--Urbosa is the current chief of the Gerudo and serves as the acting Champion for them as well. As a Champion in this timeline, she holds a key component in gaining access to Old Hyrule-”Champion” in this timeline doesn’t fully hold the same function as it once did in BotW. Instead of being chosen to pilot the Divine Beasts, a Champion are a handful of chosen warriors that serve as Hyrule’s best line of defense against any threat. Despite every group of peoples having their own form of governing, culture, and way of life, all of them are still united under the banner of Hyrule, and the Champions could be the physical representation of this tight alliance. A Champion may not necessarily have a lot of political power by themselves but what they represent and what they stand for still puts them in a high position in social status and therefore their word often holds significant weight. As not only the chief of Gerudo but also their Champion, Urbosa is in a position of having more power than what would typically be seen for a Chief. Thankfully though, she doesn’t abuse it and leads her people well: there’s a reason she’s so well respected and loved among not only the Gerudo, but across Hyrule as well.-As one of the original Champions, Urbosa retains many of her memories from her past life, including what ultimately led to her death-I’ve always liked the idea of Urbosa being a motherly figure to just about anyone she meets, but that also includes being an actual mother! Her kid in this headcanon is Riju <:-While Urbosa isn’t actually related to Ganondorf, he refers to her as his “aunt”. Of all the Gerudo in his life, Urbosa was a consistent presence, often visiting him and his parents at their secluded home in the middle of Korok Forest. She’d bring stories of adventure and gifts and even helped train him to be a skilled warrior, but as much as she loves the boy her visits held an alternative motive.-As a whole, no one really knows of Ganondorf’s past as being the vessel for the Demon King, but if anyone would have any idea about it it’d certainly be the Sheikah and the Gerudo. As per tradition in their culture, a newborn Gerudo must be brought forth to a shaman for examination to ensure their health and to fully proclaim their citizenship as a new member of the tribe. When Ganondorf was examined, the first thing the shaman noticed was the peculiar mark upon his chest: a birthmark in the shape of the wound that struck Demise down all those thousands of years ago. In seeing the mark the shaman took the baby away from his mother and brought it to the council and Urbosa to discuss what to do with it.The Gerudo are intimately familiar with the history surrounding the Demon King and how he stole one of their own, so the mark was very telling of what the child once was. And given the long stretch of peace Hyrule was experiencing it understandably buzzed some fear among the elder council. Many were afraid his birth meant an end to that peace, that the Demon King had somehow reincarnated once more and meant to bring hell back to Hyrule.So in response to all of this, the elders argued amongst each other about a solution. Many ruled the boy too dangerous to allow him to grow older and demanded he be… dealt with. Others deemed that too cruel, even for a damned child, and suggested they simply leave him somewhere far away: let nature decide if he lives or dies. But, as chief and Gerudo Champion of Hyrule, it ultimately came down to Urbosa’s choice. She held the babe her council hissed demon, stared at the birthmark that marked him as a vessel, heard the pleading sobs of the boy’s mother over the whispers of “we’ll make it quick, but we mustn’t let him live”, “he is dangerous, he will bring doom to us all” “end it now while he is weak”.Stared at the supposed demon child, who simply yawned in her grasp and blinked up at her with innocent, yellow eyes. She met the Demon King once: she had stared into that monster’s eyes while she fought it to her death in her past lifetime. She knows soulless eyes when she sees them… and this baby didn’t have those eyes.So Urbosa made her decision: the boy will not die. It was largely met with disbelief and anger: you will doom us all! they said. Despite Urbosa staying firm in her decision, it took her days of arguing with the council and the aid of a Sheikah Seer (who examined the child themselves and confirmed that he didn’t house the Demon King) to finally reach a compromise: the boy will live, but he can’t live among the Gerudo. He had to live with his mother in exile, and his growth had to be monitored as a precaution. The monitoring came in the form of Urbosa’s frequent visits.-Urbosa is close friends with Zelda’s parents and is also something of an “aunt” figure to Zelda as well; Zelda absolutely adores Urbosa and even sees her as more of a secondary mother figure than anything.————————————Aaaaaaaaand that’s all I have for Urbosa for now! If I think of anything else I’ll be sure to add more, and of course if ya have questions you’re more than free to ask them. <: Otherwise I hope you enjoy! ^.^

earthsong9405: All done with Urbosa’s redesign and the additional sketches for her role in my headcanon! <: As usual I didn’t change too...

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end0skeletal-undead: Hold still. This creature was recorded going 2,569 days without moving.Salamanders play the long game, with many species living surprisingly long lives. But among these enduring amphibians, there is one outlier – the olm, also known as the proteus. It has been well documented that these small white cave-dwelling salamanders can live well into their hundreds, but scientists have now gained new insight into the creatures’ glacial pace of life.In a study which makes sloths look recklessly hyperactive, divers documenting the movements of olms in Herzegovinian caves found that over a decade, individuals tended to move less than 10 metres in total. However, one extraordinarily inert individual was found not to have bothered moving once in over seven years. Olms have no predators, are highly resistant to starvation – able to go without food for several years – are blind and live in complete darkness underground and underwater. They are apparently only compelled to move in order to mate, which they do on average around once every 12.5 years.In the caves in which they dwell food is typically scarce, but when they are able, olms feed on small crustaceans such as small shrimps, snails and occasionally insects.Read the full article here.Photo credit here via Getty: end0skeletal-undead: Hold still. This creature was recorded going 2,569 days without moving.Salamanders play the long game, with many species living surprisingly long lives. But among these enduring amphibians, there is one outlier – the olm, also known as the proteus. It has been well documented that these small white cave-dwelling salamanders can live well into their hundreds, but scientists have now gained new insight into the creatures’ glacial pace of life.In a study which makes sloths look recklessly hyperactive, divers documenting the movements of olms in Herzegovinian caves found that over a decade, individuals tended to move less than 10 metres in total. However, one extraordinarily inert individual was found not to have bothered moving once in over seven years. Olms have no predators, are highly resistant to starvation – able to go without food for several years – are blind and live in complete darkness underground and underwater. They are apparently only compelled to move in order to mate, which they do on average around once every 12.5 years.In the caves in which they dwell food is typically scarce, but when they are able, olms feed on small crustaceans such as small shrimps, snails and occasionally insects.Read the full article here.Photo credit here via Getty

end0skeletal-undead: Hold still. This creature was recorded going 2,569 days without moving.Salamanders play the long game, with many...

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thebaconsandwichofregret: asexual-not-asexual-detective: Am I the only one who thinks that hitting a kid and abuse are different things? Like, if I ever had a kid, I wouldn’t spank their ass raw or something like that. But a bop on the mouth or the ear pull or a smack upside the head? Yea. Those are behavior modifiers. Except they’re not. The studies done by the trained psychologists in this joke show that little kids don’t associate being hit with the thing they’ve done wrong. Very small children only understand consequences that are directly caused by the thing they did. Steal a biscuit, biscuit tastes good. Then for no reason mummy hit me. Very different to stole a biscuit, now no biscuit after dinner because I stole a biscuit. And they also show that when a child is old enough to understand why they are being hit that non-physical punishment is equally as effective and less mentally harmful in the long run. Do you know who benefits the most from hitting as a punishment? The parent. It gives a satisfaction rush. Parents do it because it makes them feel good. Basically kids have two stages: too young to understand why they are being hit so physical punishment is useless for anything other than teaching a child that bigger stronger people can hit you whenever they like (Which sounds like the same lesson you would learn from abuse) And the second stage is old enough to be reasoned with so many punishment options are available and you chose physical violence because it makes *you* feel better, which is an abusive action. The only time a person should ever use violence against another human being, of any age, is to stop that person from being violent themselves. : thebaconsandwichofregret: asexual-not-asexual-detective: Am I the only one who thinks that hitting a kid and abuse are different things? Like, if I ever had a kid, I wouldn’t spank their ass raw or something like that. But a bop on the mouth or the ear pull or a smack upside the head? Yea. Those are behavior modifiers. Except they’re not. The studies done by the trained psychologists in this joke show that little kids don’t associate being hit with the thing they’ve done wrong. Very small children only understand consequences that are directly caused by the thing they did. Steal a biscuit, biscuit tastes good. Then for no reason mummy hit me. Very different to stole a biscuit, now no biscuit after dinner because I stole a biscuit. And they also show that when a child is old enough to understand why they are being hit that non-physical punishment is equally as effective and less mentally harmful in the long run. Do you know who benefits the most from hitting as a punishment? The parent. It gives a satisfaction rush. Parents do it because it makes them feel good. Basically kids have two stages: too young to understand why they are being hit so physical punishment is useless for anything other than teaching a child that bigger stronger people can hit you whenever they like (Which sounds like the same lesson you would learn from abuse) And the second stage is old enough to be reasoned with so many punishment options are available and you chose physical violence because it makes *you* feel better, which is an abusive action. The only time a person should ever use violence against another human being, of any age, is to stop that person from being violent themselves.
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apricot-studies: smartstudy: Hey guys. I’m glad to be finally posting my “mental breakdown survival guide”. As you know I struggle a lot with mental health, and so I have been through a lot of breakdowns. So many that I actually dropped out of university after 3 weeks in 2016 and had to take the whole year off. Because of this, I’ve made it my mission to help others with mental health issues as much as I can, so you don’t have to go through what I’ve been through. Anyway, here is my guide. I tried to keep it general, and actually useful. If you have any questions or additions please feel free to add them. And as ever, if you want to talk to me about studying with mental illness or want to see a post on a specific topic, please feel free to message me. thank you so much for this : Saving Your Grades From A Mental Health Crisis What To Do Before, During, And After by SmartStudy.tumblr.com IF YOUR GRADES ARE IN IMMEDIATE DANGER CONTACT YOUR TEACHERS This should be the first thing you do when you realise you're in crisis. Email them, and explain your situation in short, professional terms. You do not have to include details about your condition. "I have a mental health condition" should suffice as to the nature of the issue. Tell them that you are going to arrange to see a medical professional as soon as possible, and ask what process you should go through to defer/get an extension on assessment, and if they can help you in any way. Other people you may have to contact or CC in the email (depending on your school): University High School Head of House Class Coordinator Faculty/School Admin Disability Advisor Grade Coordinator Head of Department Academic Admin Counsellor School Counsellor Student Advocate BOOK A DOCTOR/THERAPIST APPOINTMENT ASAP This will be the person who can vouch for you the most. It's best if you have seen them before and they know you. If you can't get an appointment within a few days, call them and email them (if you haven't seen them before this will not work). Make sure to check out what counselling your university or school offers. During this appointment, the priority is to make a plan to get you back on your feet. This effort will not be useful if you stay a mess. Once you've figured that out, get two things from this person. One is a medical certificate/letter stating that you have, in fact, been going through this crisis. Second is a letter that describes the nature of the crisis, what treatment you're going through, and which people to contact (psychiatrists, etc.) who can vouch for this. Note: The reason I say to get two letters is because there is still a huge stigma around mental illness, and you don't want to reveal that you've got a disorder that's highly stigmatised, only to have it come back and bite you in the ass later. Don't provide details unless it's necessary or asked for. A STUDENT KNOW YOUR RIGHTS AS Most schools and institutions will have a list of a student's rights and responsibilities online. Look them up. Know what your rights are as a student. Also look to see if there are state/national laws protecting you, or if your school is a part of a network of schools that has its own code. Some people working in schools still think mental health issues are trivial, and you never know when they're going to ignore a rule to suit themselves. Make sure you can pick on this if it happens to you. Pretty much all schools will have protection in place for students with mental illnesses and disabilities, so even if you a miss a deadline for a form or make another mistake, they should take your exceptional circumstances into account. This is where a student or disability advisor from school can help you. ottom IF YOU HAVEN'T REACHED CRISIS YET TALK TO A DOCTOR/THERAPIST/COUNSELLOR/TRUSTED ADULT If you're going through a hard time, talk to someone who can help you. Any trusted adult or professional can help you get back on your feet before it's too late, or refer you to someone who can. If it's a new issue, you'll have to see someone like a GP who can refer you to a therapist or mental health service. Talk to them about what's been happening, and say that you need help. Sometimes, even talking about the problem can help you feel better. In these situations, they can also help you figure out what you can do at school to catch up/get special help. FIGURE OUT HOW TO STUDY WHILE IN A BAD STATE Even if you're getting help, it might be some time before you're fully back on track. In these instances, try to make the best of a bad situation. Can't leave the house? Access lecture recordings and eBooks. Ask your friends to send you their notes, or ask the teacher if you can submit your homework via email, or through a friend. Have trouble concentrating? Figure out how long you can study without needing a break, and make a schedule around that. Always make sure to ask your teachers if they can help you with this. Whether it be slightly changing the requirements or conditions of a piece of assessment, or simply their understanding that you may not be able to attend perfectly, it can make a big difference with your overall marks. If they don't know you're struggling, they can't help! DON'T PUSH YOURSELF OR OVERTHINK When you realise there's an issue, it's easy to fall into panic or try to power through. Don't do this. It'll just make you more stressed and aggravate the existing problems, which will make things much worse in the long run. Though it's hard to believe sometimes, your health and mental health are more important than your grades. You can't ignore your mind when it's screaming at you that something is wrong. Listen to it, and be easy on yourself. The best way to get back to your full potential to ask for help and give yourself what you need. Take a break when you need one and practise self-care. It's more important than you might things. RECOVERING FROM A BREAKDOWN ACCEPT THAT YOU'VE BEEN THROUGH SOMETHING MAJOR Once the worst has passed, some people try to brush it off and pretend it never happened. They can feel ashamed or embarrassed about what they went through. However, there is absolutely nothing to be ashamed or embarrassed about, especially if you had a pre-existing mental health condition. Every life has ups and downs and just because yours were a bit more serious than some people's, it doesn't mean that you're weak somehow. The best thing you can do for yourself is to recognise what happened, and work to prevent it from happening again by setting up crisis plans and support networks. GET TUTORING TO CATCH UP If you've fallen behind, don't worry. There are plenty of ways to catch yourself up and get back on track. The best way is to hire a tutor. They can guide you through the work, help you understand difficult concepts, and identify the places you need more help. Yes, tutors can be expensive, but there's a way to get around this. See if there is anyone who took your class the year before who might be willing to tutor you for an hour each week for a discounted prince. Similarly, see if there are any students who can help you in exchange for something like instrument lessons. And if any of your friends are academically gifted, I'm sure they'd be able to help. If all else fails, go to office hours and any free tutoring sessions your school or university offers. Do some research, ask around, see what's there. PACE YOURSELF AND DON'T RUSH IN After a breakdown or crisis, you may be tempted to throw yourself back into your work to catch up. Don't! You'll become overwhelmed and end up back at square one. Remember, you've just been through a very difficult situation and you're not going to get better overnight. Ease yourself in. I definitely recommend starting with a reduced or part-time study load if possible. Remember that you may not be back at your full capacity just yet, and difficulties concentrating and being motivated could make things hard. By starting off slowly, you're able to get used to studying again without too much pressure. DEVELOP A ROUTINE Yes, this advice is in every piece of study advice ever, but you shouldn't develop just any routine. Develop one that allows you plenty of breaks and takes into consider any issues you may have with fatigue or focusing. If your breakdown was caused by overwork, make sure this one is easier on you. Things to include you could include in a healthy routine (but don't micromanage!): "I feel crap" time* Breaks and meals Plenty of sleep and rest "You" time (treat yo self) Time to plan for the next week Exercise (have you tried yoga? Kidding) Meditation/mindfulness Friend/family social time * Remember that the thoughts and feelings caused by mental illness are not shameful, and ignoring and forcing them down will only make them worse. If you need to lie in bed feeling miserable, do it. THINGS TO REMEMBER DON'T COMPARE YOURSELF TO OTHERS It can be easy to look at other people and see your own flaws, but it's important to try not to. Every person has different experiences and struggles, so it's not fair to yourself to look at someone without yours and think you're behind in some way. Taking longer to complete your studies isn't shameful. Making mistakes isn't shameful. Needing breaks isn't shameful. You'll get where you need to be in the end. Have patience. GRADES DON'T DEFINE YOU I spent so much of my life thinking my only worth came from my academic success. And guess what? This just led to more anxiety and depression. It's important to realise that things like grades, class rankings, GPAS, and "intelligence" aren't that important. Who you are and what you do is far more important than these arbitrary labels. THERE IS A STIGMA, SO BE PREPARED It's an unfortunate reality, but there is still a stigma against mental health issues and there is a chance it might affect your experiences while dealing with administrative staff and teachers. There have been stories about people telling their people supposed to be guiding them that they have mental health issues, and being dismissed because "it's a girl issue" or "it's all in their head". Be prepared in case this happens to you. Remind people that it's a medical condition and that you can get proof from medical professionals if need be. Plus, there is probably something in your school's policies or even the law that protects you when you have a mental illness. Remember that just because people are ignorant, that doesn't mean your issue is not 100% real and important. Don't let these people make you feel worse. YOU CAN DO THIS In our darkest moments, it can be hard to believe that we're capable of immense strength, but I promise you we are. Whatever obstacle is in your path right now - even if it's your brain chemistry - you are going to get through this. You've made it through every worst day you've had so far. You've made it through the dark and scary moments, and you've come out the other end stronger and wiser. Remember that you are strong, and even when you don't feel like it, there is always support available to help you realise that strength again. tmblimteom apricot-studies: smartstudy: Hey guys. I’m glad to be finally posting my “mental breakdown survival guide”. As you know I struggle a lot with mental health, and so I have been through a lot of breakdowns. So many that I actually dropped out of university after 3 weeks in 2016 and had to take the whole year off. Because of this, I’ve made it my mission to help others with mental health issues as much as I can, so you don’t have to go through what I’ve been through. Anyway, here is my guide. I tried to keep it general, and actually useful. If you have any questions or additions please feel free to add them. And as ever, if you want to talk to me about studying with mental illness or want to see a post on a specific topic, please feel free to message me. thank you so much for this
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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
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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te-amo-corazon: nadiacreek: reuters: With a large chin, a prominent slightly arched nose and delicate lips, the “face” of England’s King Richard III was unveiled on Tuesday, a day after researchers confirmed his remains had finally been found after 500 years. A team of university archaeologists and scientists announced on Monday that a skeleton discovered last September underneath a council parking lot in Leicester was indeed that of Richard, the last English king to die in battle, in 1485. Devotees of Richard, who have long campaigned to restore his reputation, proudly revealed a 3D reconstruction of the long-lost monarch’s head on Tuesday, introducing him to reporters as “His Grace Richard Plantagenet, King of England and France, Lord of Ireland”. READ ON: Face of Richard III, England’s “king in the car park”, revealed i am so happy we all thought the same thing : te-amo-corazon: nadiacreek: reuters: With a large chin, a prominent slightly arched nose and delicate lips, the “face” of England’s King Richard III was unveiled on Tuesday, a day after researchers confirmed his remains had finally been found after 500 years. A team of university archaeologists and scientists announced on Monday that a skeleton discovered last September underneath a council parking lot in Leicester was indeed that of Richard, the last English king to die in battle, in 1485. Devotees of Richard, who have long campaigned to restore his reputation, proudly revealed a 3D reconstruction of the long-lost monarch’s head on Tuesday, introducing him to reporters as “His Grace Richard Plantagenet, King of England and France, Lord of Ireland”. READ ON: Face of Richard III, England’s “king in the car park”, revealed i am so happy we all thought the same thing

te-amo-corazon: nadiacreek: reuters: With a large chin, a prominent slightly arched nose and delicate lips, the “face” of England’s Kin...

Save