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To Look
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Friendly

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🔥 | Latest

Curving, Fashion, and Head: 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
Curving, Fashion, and Head: 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 - i...

Children, Clothes, and Fail: gaming: Indie Game Spotlight: Untitled Goose Game  Oh, boy, do we have an extra super horrible Indie Game Spotlight exclusive for you today! We’re talking, of course, of Untitled Goose Game, a slapstick simulator, where you play a goose hassling a town full of people who would very much like you to stop hassling them, please. It feels a bit like playing the videogame version of an old cartoon, complete with reactive soundtrack. Everything that happens in the game is very low stakes (the goose doesn’t get involved in political scandals, or drive a car off a ramp etc.), but there’s a lot of room for comedic performance in doing things like stealing clothes off a washing line and dumping them in a pond. The team at House House shares roles a lot, and so the game was predominantly designed collaboratively by four people. We chatted with Stuart Gillespie-Cook, who mostly works on animation. Also within House House is Jake Strasser, largely responsible for the design of levels and environments, Nico Disseldorp who does all the programming, and Michael McMaster who mostly works on art direction and UI. The iconic sound effects were made by Em Halberstadt, and Dan Golding designed the music. There’s also art from Kalonica Quigley and additional UI programming from Cherie Davidson. Stuart Gave us the lowdown on the curious title, the game mechanics, and dream crossovers. Read on! What’s the story behind the title of the game? This more or less happened by accident; at first, we just needed something to put on a video we were submitting to a festival. It’s become one of the best things about the game, and I’m so glad we stuck with it. I will say it’s a weird thing to explain when your very not-online hairdresser asks you “oh, what game are you working on?”  How did the team come up with the animation style? The whole visual style of the game is designed to be nice and clean, very readable and approachable. The animation specifically takes a lot of inspiration from slapstick and pantomime—with big, over the top reactions that are impossible to miss. We wanted to squeeze as much emotion as possible out of these people without facial expressions, so everything has to be evoked with body language. We also lean heavily on two dimensional, hand-drawn effects that are lifted from comics—lines to represent the direction of a honk, stars when someone hits their thumb with a hammer, etc. Untitled Goose Game offers a unique take on the puzzle genre. What other mechanics can we expect? Because it’s a game that’s largely about interacting with a bunch of people, the game borrows heavily from AI systems in stealth games. Playing with a character’s awareness of where the goose is, where they left their stuff, where that sound came from etc. is a big part of the comedy of the game. So, while it’s less restrictive than most stealth games, and there’s no real fail state (ie. if a character sees a goose, they’ll think “ah, there’s a goose” rather than “I’d better shoot and kill that spy”), those explicit behaviours that are so present in the stealth genre are really important in our goose game. If you could have the goose cross over into any cinematic or game universe, what would it be and why? It would be nice to see the goose chase Postman Pat over a hedgerow. That era of British children’s television has been a huge influence on the game. Otherwise, we’re always open to having the goose in Smash. Are you ready to fulfill your wildest dreams of becoming a mischevious goose and harassing people? Of course you are! Check out the website to find out how you can get your hands wings on Untitled Goose Game!
Children, Clothes, and Fail: gaming:
Indie Game Spotlight: Untitled Goose Game 
Oh, boy, do we have an extra super horrible Indie Game Spotlight exclusive for you today! We’re talking, of course, of Untitled Goose Game, a slapstick simulator, where you play a goose hassling a town full of people who would very much like you to stop hassling them, please. It feels a bit like playing the videogame version of an old cartoon, complete with reactive soundtrack. Everything that happens in the game is very low stakes (the goose doesn’t get involved in political scandals, or drive a car off a ramp etc.), but there’s a lot of room for comedic performance in doing things like stealing clothes off a washing line and dumping them in a pond.
The team at House House shares roles a lot, and so the game was predominantly designed collaboratively by four people. We chatted with Stuart Gillespie-Cook, who mostly works on animation. Also within House House is Jake Strasser, largely responsible for the design of levels and environments, Nico Disseldorp who does all the programming, and Michael McMaster who mostly works on art direction and UI. The iconic sound effects were made by Em Halberstadt, and Dan Golding designed the music. There’s also art from Kalonica Quigley and additional UI programming from Cherie Davidson. Stuart Gave us the lowdown on the curious title, the game mechanics, and dream crossovers. Read on!
What’s the story behind the title of the game?
This more or less happened by accident; at first, we just needed something to put on a video we were submitting to a festival. It’s become one of the best things about the game, and I’m so glad we stuck with it. I will say it’s a weird thing to explain when your very not-online hairdresser asks you “oh, what game are you working on?”  
How did the team come up with the animation style?
The whole visual style of the game is designed to be nice and clean, very readable and approachable. The animation specifically takes a lot of inspiration from slapstick and pantomime—with big, over the top reactions that are impossible to miss. We wanted to squeeze as much emotion as possible out of these people without facial expressions, so everything has to be evoked with body language. We also lean heavily on two dimensional, hand-drawn effects that are lifted from comics—lines to represent the direction of a honk, stars when someone hits their thumb with a hammer, etc.


Untitled Goose Game offers a unique take on the puzzle genre. What other mechanics can we expect?
Because it’s a game that’s largely about interacting with a bunch of people, the game borrows heavily from AI systems in stealth games. Playing with a character’s awareness of where the goose is, where they left their stuff, where that sound came from etc. is a big part of the comedy of the game. So, while it’s less restrictive than most stealth games, and there’s no real fail state (ie. if a character sees a goose, they’ll think “ah, there’s a goose” rather than “I’d better shoot and kill that spy”), those explicit behaviours that are so present in the stealth genre are really important in our goose game.
If you could have the goose cross over into any cinematic or game universe, what would it be and why?
It would be nice to see the goose chase Postman Pat over a hedgerow. That era of British children’s television has been a huge influence on the game. Otherwise, we’re always open to having the goose in Smash.
Are you ready to fulfill your wildest dreams of becoming a mischevious goose and harassing people? Of course you are! Check out the website to find out how you can get your hands wings on Untitled Goose Game!

gaming: Indie Game Spotlight: Untitled Goose Game  Oh, boy, do we have an extra super horrible Indie Game Spotlight exclusive for you today!...

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 Amenica) 5. m goin' straight
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 8.00 (no reason) 200-202, 6,
 manbe 7 upks a piece. 203,
 Man 100-1
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 1-present, 1,00.00-se9, the ORDERING INSTRUCTIONS: This sd expirem
 12.00 110
 (1) All orders must be mailed in, temized
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 ont have to This is cur ad so we play by ur e
 wolves died, and Richard
 and Wendy got evicted and
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 RYSTA
 ! A ha! Hal Ha! Ha! Ha!
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 PLACE 2/You wa F COMIC
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 y and youd ge
 at the Mint get a Spi
 99211 213, 215,
 oing to stop
 HERE for every last
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 jacking up the prices on
 every book that has the High
 Evolutionary in it! In fact, I'm
 gonna jack up the prices on
 books that even use the
 "evolution!" 100-103, 1
 104-106, 11.00, 107-
 that stuff? Somebo
 pay for it!
 10.00, 104-10 11.00
 110-125
 10.00
 07-109.
 3.00
 104-106,
 S.12.00,
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 Ha! Ha! Ha! Ha! Ha!
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Children, Life, and Shopping: Jonnie Hallman Gestern @destroytoday Still have no idea how people can... work a full-time job cook dinner often exercise regularly enjoy weekends keep the apartment clean Seems basic, but I can't consistently do it. shine a light Vor 14 Stunden @rknLA Current full-time (40hr/wk) jobs aren't designed for single people to do this; they're post-war relics & depend on the unpaid labor of a spouse for cooking, cleaning, shopping, etc. You're not deficient for not being able to do it yourself roach-works: i went into my 40-50 hr/week manual labor job with the explicit agreement with my spouse that i would do the paid labor and they’d be my pit crew. i get home too tired to cook by the end of the week, almost too tired to eat. all my younger coworkers are destroying their kidneys with caffeinated sports drinks, and the men who participate in the care of their children come to work looking like miserable zombies. my friend russel loves his kids and spends all weekend with them and comes into work on monday looking like he’s one sneeze away from the grave because he couldn’t get enough sleep.  you can’t have a good life when 40 hours a week are spent laboring. there’s no room for cooking or cleaning or children, you HAVE to trade necessary rest for those things. it’s a huge sexist problem that we don’t expect men to cook, clean, or care for children, because it’s also a huge sexist problem that traditional work/life ‘balance’ of a 40-hour work week completely prohibits people from fully engaging in life outside of labor.  letting women into the workforce was a great first step. redefining how much work anyone should be working is the necessary next one. 
Children, Life, and Shopping: Jonnie Hallman
 Gestern
 @destroytoday
 Still have no idea how people can...
 work a full-time job
 cook dinner often
 exercise regularly
 enjoy weekends
 keep the apartment clean
 Seems basic, but I can't consistently do it.
 shine a light
 Vor 14 Stunden
 @rknLA
 Current full-time (40hr/wk) jobs aren't
 designed for single people to do this; they're
 post-war relics & depend on the unpaid labor
 of a spouse for cooking, cleaning, shopping,
 etc.
 You're not deficient for not being able to do it
 yourself
roach-works:
i went into my 40-50 hr/week manual labor job with the explicit agreement with my spouse that i would do the paid labor and they’d be my pit crew. i get home too tired to cook by the end of the week, almost too tired to eat. all my younger coworkers are destroying their kidneys with caffeinated sports drinks, and the men who participate in the care of their children come to work looking like miserable zombies. my friend russel loves his kids and spends all weekend with them and comes into work on monday looking like he’s one sneeze away from the grave because he couldn’t get enough sleep. 
you can’t have a good life when 40 hours a week are spent laboring. there’s no room for cooking or cleaning or children, you HAVE to trade necessary rest for those things. it’s a huge sexist problem that we don’t expect men to cook, clean, or care for children, because it’s also a huge sexist problem that traditional work/life ‘balance’ of a 40-hour work week completely prohibits people from fully engaging in life outside of labor. 
letting women into the workforce was a great first step. redefining how much work anyone should be working is the necessary next one. 

roach-works: i went into my 40-50 hr/week manual labor job with the explicit agreement with my spouse that i would do the paid labor and the...