Apart
Apart

Apart

Geniusism
Geniusism

Geniusism

Wishes
Wishes

Wishes

Buy
Buy

Buy

Caught
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Caught

The
The

The

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Personalize

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Not

Not

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Credit

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Android, Books, and Children: Agent of Chaos @TheTrillAC 1d My children will get "privacy" from me when they can pay their own bills and feed themselves. Until then, you do what I say Ain't shit negotiable. We not friends. t 394 687 1,171 Mermaid Hofessional @StarStuffSister Replying to @TheTrillAC I haven't spoken to my mother in ten years. Welcome to your future. 20:29 06 Nov 19 Twitter for Android marzipanandminutiae: greysonderulo: dragonsspire: knight-nick: If you think like that, please don’t ever have children. Listen, my parents installed a lock on my door so I could lock everyone out of my room if I wanted to at sometime around 8 years old. They had a key of course for safety but they’ve never had to use it and they’ve never used it when they didn’t have to. I was allowed full access to any books, movies, and internet I wanted fully informed about our family beliefs and practices but I was given no supervision once I reached about 13 because my parents trusted me to stick to the rules or not as I felt and come to them if there was anything that I had questions about. As long as I said where I was going, who I was with, and when I was going to be back and then phone if anything changed I was allowed to do pretty much as I pleased from 13 onward. I moved back in with my parents after university and the first conversation we had was my dad telling me that if I felt like they were treating me like a child to please tell them because they had no intention of doing so. I still live with them and I’m comfortable here as an adult. When I eventually move out again, which I feel no rush to do because I feel respected and given more than enough elbow room, I will probably talk to them often if not everyday. Because they’ve always respected my privacy and my autonomy both physically and emotionally. If you want an independent and fictional child trusting them and giving them their space will do you many more favours than not. meanwhile, my parents… password protected my computer so i had to get permission every time i wanted to use it put a passcode lock on our pantry so we couldn’t eat without permission regularly checked our internet browsing history shut off the internet at regular intervals, including when i needed it for university homework did monthly checks of our bank statements and would confiscate money if they didn’t approve of our activities in response, i went behind their backs and opened a new bank account, got a secret job, bought my own groceries, and used the wifi from the school across the street. they didn’t succeed in disciplining me. all they did was force me to distance myself from them. your children are not your property. they are human beings, and they deserve basic human rights. nothing in this world teaches you to lie and sneak around like a parent who doesn’t believe you should have privacy
Android, Books, and Children: Agent of Chaos @TheTrillAC 1d
 My children will get "privacy" from me
 when they can pay their own bills and
 feed themselves. Until then, you do what I
 say
 Ain't shit negotiable. We not friends.
 t 394
 687
 1,171
 Mermaid Hofessional
 @StarStuffSister
 Replying to @TheTrillAC
 I haven't spoken to my mother in
 ten years.
 Welcome to your future.
 20:29 06 Nov 19 Twitter for Android
marzipanandminutiae:

greysonderulo:
dragonsspire:


knight-nick:
If you think like that, please don’t ever have children. 
Listen, my parents installed a lock on my door so I could lock everyone out of my room if I wanted to at sometime around 8 years old. They had a key of course for safety but they’ve never had to use it and they’ve never used it when they didn’t have to. 
I was allowed full access to any books, movies, and internet I wanted fully informed about our family beliefs and practices but I was given no supervision once I reached about 13 because my parents trusted me to stick to the rules or not as I felt and come to them if there was anything that I had questions about. 
As long as I said where I was going, who I was with, and when I was going to be back and then phone if anything changed I was allowed to do pretty much as I pleased from 13 onward. 
I moved back in with my parents after university and the first conversation  we had was my dad telling me that if I felt like they were treating me like a child to please tell them because they had no intention of doing so. 
I still live with them and I’m comfortable here as an adult. When I eventually move out again, which I feel no rush to do because I feel respected and given more than enough elbow room, I will probably talk to them often if not everyday. Because they’ve always respected my privacy and my autonomy both physically and emotionally. If you want an independent and fictional child trusting them and giving them their space will do you many more favours than not. 


meanwhile, my parents…
password protected my computer so i had to get permission every time i wanted to use it
put a passcode lock on our pantry so we couldn’t eat without permission
regularly checked our internet browsing history
shut off the internet at regular intervals, including when i needed it for university homework
did monthly checks of our bank statements and would confiscate money if they didn’t approve of our activities
in response, i went behind their backs and opened a new bank account, got a secret job, bought my own groceries, and used the wifi from the school across the street. they didn’t succeed in disciplining me. all they did was force me to distance myself from them.
your children are not your property. they are human beings, and they deserve basic human rights.

nothing in this world teaches you to lie and sneak around like a parent who doesn’t believe you should have privacy

marzipanandminutiae: greysonderulo: dragonsspire: knight-nick: If you think like that, please don’t ever have children. Listen, my paren...

Best Friend, Fucking, and Jedi: Unknown to Kenobi, he was also being rigorously hunted ortured several Jedi in order to find kenobi's whereabouts, and sparing no expense to do This would work to Vader's disadvantage, however cupcakeshakesnake: thesouthernjedi: roachpatrol: ghostymcspooky: soloontherocks: notanotherreyloblog: thebaconsandwichofregret: azumariko: he was on TATOOINE you fucking loser Obi-Wan can find an invisible planet hidden by a devious Sith Lord, Anakin can’t find his ex-best friend on his own home planet while the guy is still using his own damn name. I know we give Obi-wan a lot of shit for leaving Luke with his real surname but Anakin really is that stupid the perfect hiding place: the sandiest fucking planet that anakin would never set foot on again I’d like to remind everyone again that it’s literally canon that Vader can’t step foot on Tatooine because the desert gets into his creaky old man robot joints and makes his suit break down aka the sand is coarse, rough, irritating, and gets everywhere i  d o n t  l i k e  s a n d okay but what if everyone was like ‘vader, kenobi’s on tattooine. he’s obviously on tattooine. he’s been there for years. he’s just right fucking there, we all know it.’ and vader is just desperately shaking down jedi like they’re magic eight-balls and he wants a better fortune. like ‘no i don’t like that try again’.  kenobi’s just sitting there in his pile of sand like a smug fucking bastard. he doesn’t need to hide jack shit. he went to the tattooine board of tourism and got them to print up flyers that say ‘COME TO TATTOOINE, WE HAVE SAND’ and luke is probably going to be safe until his midlife fucking crisis at this rate. palpatine finds vader aimlessly checking behind pieces of furniture in some shitty space motel on kamino ‘he’s on tattooine,’ palpatine says.  ‘nuh uh,’ vader says, and peers under a couch. peers under a couch This is the best Star Wars post I have read in a while.
Best Friend, Fucking, and Jedi: Unknown to Kenobi, he was also being rigorously hunted
 ortured several Jedi in order to
 find kenobi's whereabouts, and sparing no expense to do
 This would work to Vader's disadvantage, however
cupcakeshakesnake:

thesouthernjedi:

roachpatrol:

ghostymcspooky:

soloontherocks:

notanotherreyloblog:

thebaconsandwichofregret:

azumariko:

he was on TATOOINE you fucking loser

Obi-Wan can find an invisible planet hidden by a devious Sith Lord, Anakin can’t find his ex-best friend on his own home planet while the guy is still using his own damn name.
I know we give Obi-wan a lot of shit for leaving Luke with his real surname but Anakin really is that stupid

the perfect hiding place: the sandiest fucking planet that anakin would never set foot on again

I’d like to remind everyone again that it’s literally canon that Vader can’t step foot on Tatooine because the desert gets into his creaky old man robot joints and makes his suit break down
aka the sand is coarse, rough, irritating, and gets everywhere 

i  d o n t  l i k e  s a n d

okay but what if everyone was like ‘vader, kenobi’s on tattooine. he’s obviously on tattooine. he’s been there for years. he’s just right fucking there, we all know it.’ and vader is just desperately shaking down jedi like they’re magic eight-balls and he wants a better fortune. like ‘no i don’t like that try again’. 
kenobi’s just sitting there in his pile of sand like a smug fucking bastard. he doesn’t need to hide jack shit. he went to the tattooine board of tourism and got them to print up flyers that say ‘COME TO TATTOOINE, WE HAVE SAND’ and luke is probably going to be safe until his midlife fucking crisis at this rate.
palpatine finds vader aimlessly checking behind pieces of furniture in some shitty space motel on kamino
‘he’s on tattooine,’ palpatine says. 
‘nuh uh,’ vader says, and peers under a couch.


peers under a couch


This is the best Star Wars post I have read in a while.

cupcakeshakesnake: thesouthernjedi: roachpatrol: ghostymcspooky: soloontherocks: notanotherreyloblog: thebaconsandwichofregret: azuma...

Reddit, Cheers, and Rattlesnake: I caught this rattlesnake two years ago. Cheers, Reddit :)
Reddit, Cheers, and Rattlesnake: I caught this rattlesnake two years ago. Cheers, Reddit :)

I caught this rattlesnake two years ago. Cheers, Reddit :)

Halloween, Pregnant, and Today: 19 years ago today, on Halloween, this is how I announced to my students and colleagues that I was pregnant.
Halloween, Pregnant, and Today: 19 years ago today, on Halloween, this is how I announced to my students and colleagues that I was pregnant.

19 years ago today, on Halloween, this is how I announced to my students and colleagues that I was pregnant.

Girls, Obama, and Taken: Steve Silberman @stevesilbermarn Rosaries confiscated from immigrants at the Arizona/Mexico border. [via @MikeOLoughlin] newyorker.com/ culture/photo-, く @claríssalule Remember the piles of wedding rings taken from holocaust victims and how we see it now and wonder how we ever let the violation of human rights get so far well yeah cryptid-sighting: arithanas: gaylileofigaro: This is worse. Looking at these you can tell they have no significant monetary value. They were confiscated as a fear tactic. Nothing more. This picture breaks my heart everytime it appears in my dash. It’s a fear tactic, alright but— The first one in the left corner: It’s a first communion rosary, and it’s not cheap. The black one in the first line: That’s a widow rosary and it’s old. The white one in the second line:  is a commemoration rosary. It has a miniature picture in the round part. I haven’t seen that since the 70′s. In the third line, multicolor one: It’s an Anima mundi, I have only seen those in the hands of Rosary ministery’s old ladies. The oldest ones are from the 80′s after Juan Pablo II came to Mexico for the first time. It’s one of the old ones, I know because the crucifixes are different.  The third one on the fourth line: Red and gold. The style is old, the metal is dark, that’s a 50′s rosary, probably a quinceañera one (or it’s maybe older, from the 40′s when the brides carried red roses with their offerings). The fifth one on the fourth line: It’s a quinceañera rosary with Ignatius’s tear. The style is old and in my part of Mexico is orphan girls who used it. At least it was when I was young.The third one of the fifth line: the blue one with the anchor. That one I have only seen in Veracruz and it doesn’t look new.The fifth one on the fifth line: That’s a 90′s wedding rosary. Black and white patterns were popular on that date.The fourth one on the last line: That’s a first communion rosary from the 30′s. It’s delicate and most probably silver. The rest wrench my heart too, the humble everyday rosaries with wooden beads and knots. Those are cheap and bear the wear and tear of their user handling. But those  I described are much more. Those are mother’s rosaries. Those are not just rosaries. Those are mementos, that’s the proof of their families stories. They are taking from them the only portable things they can carry to feel the connection to their families.It’s not a fear tactic. Call it like by its name.It’s dehumanization. Just want to remind everyone that the DHS janitor who saved these rosaries and photographed them started his project in the latter years of the Bush administration and finished during the latter days of the Obama administration. Just in case anyone reading naively believes this atrocity began on November 8 2016
Girls, Obama, and Taken: Steve Silberman
 @stevesilbermarn
 Rosaries confiscated from immigrants
 at the Arizona/Mexico border. [via
 @MikeOLoughlin] newyorker.com/
 culture/photo-,

 く @claríssalule
 Remember the piles of wedding rings
 taken from holocaust victims and how
 we see it now and wonder how we
 ever let the violation of human rights
 get so far well yeah
cryptid-sighting:
arithanas:

gaylileofigaro:
This is worse. Looking at these you can tell they have no significant monetary value. They were confiscated as a fear tactic. Nothing more. 
This picture breaks my heart everytime it appears in my dash. It’s a fear tactic, alright but—
The first one in the left corner: It’s a first communion rosary, and it’s not cheap.
The black one in the first line: That’s a widow rosary and it’s old.
The white one in the second line:  is a commemoration rosary. It has a miniature picture in the round part. I haven’t seen that since the 70′s.
In the third line, multicolor one: It’s an Anima mundi, I have only seen those in the hands of Rosary ministery’s old ladies. The oldest ones are from the 80′s after Juan Pablo II came to Mexico for the first time. It’s one of the old ones, I know because the crucifixes are different.  The third one on the fourth line: Red and gold. The style is old, the metal is dark, that’s a 50′s rosary, probably a quinceañera one (or it’s maybe older, from the 40′s when the brides carried red roses with their offerings).
The fifth one on the fourth line: It’s a quinceañera rosary with Ignatius’s tear. The style is old and in my part of Mexico is orphan girls who used it. At least it was when I was young.The third one of the fifth line: the blue one with the anchor. That one I have only seen in Veracruz and it doesn’t look new.The fifth one on the fifth line: That’s a 90′s wedding rosary. Black and white patterns were popular on that date.The fourth one on the last line: That’s a first communion rosary from the 30′s. It’s delicate and most probably silver. The rest wrench my heart too, the humble everyday rosaries with wooden beads and knots. Those are cheap and bear the wear and tear of their user handling. But those  I described are much more. 
Those are mother’s rosaries.
Those are not just rosaries. Those are mementos, that’s the proof of their families stories. They are taking from them the only portable things they can carry to feel the connection to their families.It’s not a fear tactic. Call it like by its name.It’s dehumanization.

Just want to remind everyone that the DHS janitor who saved these rosaries and photographed them started his project in the latter years of the Bush administration and finished during the latter days of the Obama administration.
Just in case anyone reading naively believes this atrocity began on November 8 2016

cryptid-sighting: arithanas: gaylileofigaro: This is worse. Looking at these you can tell they have no significant monetary value. They wer...

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...

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...

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...