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Apparently, College, and Complex: r/AskReddit What perfectly true story of yours sounds like an outrageous lie? RamsesThePigeon 13d, 17h Just up the street from my apartment in San Francisco, there was one of those fast food restaurants that was either a KFC or a Taco Bell, depending on the angle from which it was viewed. The establishment was a frequent stopping point for students coming from the nearby college... and those students were a frequent target for a remarkably bright crow Now, on most days, the bird in question would just hang around the restaurant (as well as other ones nearby) and scavenge for scraps. Every once in a while, though - I saw this happen twice, and had it happen to me once - it would enact a much more complex scheme than simply going through the gutter: The crow had apparently discovered that money could be exchanged for food, so it would wait until it saw a likely mark, squawk at them to get their attention, then pick up and drop a coin. Anyone who responded would witness the bird hopping a few feet away, then following its "victim" toward the source of its next snack. When the crow approached me, it dropped a nickel on the ground. I stooped, picked up the coin, and then jumped slightly when the bird made a noise that sounded not unlike "Taco!' Needless to say, I bought that crow a taco. The final out-of-pocket cost for me, minus the nickel, was something like >l.T5. Even so, I figured a bird that smart deserved a reward simply for existing Of course, that was probably exactly what I was supposed to think. TL;DR: A crow paid me five cents to buy it a taco. onyourleftbooob: nadiaoxford: I don’t have a hard time believing this.
Apparently, College, and Complex: r/AskReddit
 What perfectly true story of yours sounds like
 an outrageous lie?

 RamsesThePigeon 13d, 17h
 Just up the street from my apartment in San Francisco,
 there was one of those fast food restaurants that was
 either a KFC or a Taco Bell, depending on the angle from
 which it was viewed. The establishment was a frequent
 stopping point for students coming from the nearby
 college... and those students were a frequent target for a
 remarkably bright crow
 Now, on most days, the bird in question would just hang
 around the restaurant (as well as other ones nearby) and
 scavenge for scraps. Every once in a while, though - I saw
 this happen twice, and had it happen to me once - it would
 enact a much more complex scheme than simply going
 through the gutter: The crow had apparently discovered
 that money could be exchanged for food, so it would wait
 until it saw a likely mark, squawk at them to get their
 attention, then pick up and drop a coin. Anyone who
 responded would witness the bird hopping a few feet
 away, then following its "victim" toward the source of its
 next snack.
 When the crow approached me, it dropped a nickel on the
 ground. I stooped, picked up the coin, and then jumped
 slightly when the bird made a noise that sounded not
 unlike "Taco!'
 Needless to say, I bought that crow a taco.
 The final out-of-pocket cost for me, minus the nickel, was
 something like >l.T5. Even so, I figured a bird that smart
 deserved a reward simply for existing
 Of course, that was probably exactly what I was supposed
 to think.
 TL;DR: A crow paid me five cents to buy it a taco.
onyourleftbooob:

nadiaoxford:
I don’t have a hard time believing this.

onyourleftbooob: nadiaoxford: I don’t have a hard time believing this.

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...

Beautiful, Life, and School: flowersinbonecages: 19 delete edit You're pathetic. Please kill yourself Anonymous The other day I was very seriously contemplating suicide. Had I received a message like this then, I legitimately believe I would have attempted to take my own life. Unfortunately for you, two days ago a littie boy saved me. I didn't even know him -yet as we passed each other he said I was beautiful and deserved to live. Just like that. As tumbir becomes more populated, the amount of times I see hate on my dash is becoming more frequent. Often after my initial fury at seeing the cruel message dies down, I wonder what it is in the anonymous' life that has made them so bitter, heartless and cold, that they feel compelled to tell someone that they are not beautiful or are undeserving of life. I have failed to think of anything. I can find no reasons for such inhumanity. 3 weeks ago, a 13 year old girl from my town committed suicide because she was being bullied. The amount of people it affected is astounding. Her father is going to walk her down the aisle in a coffin as oppose to a beautiful white wedding dress. He's probably going to cry himself to sleep tonight like he has done since she she died. He still remembers holding her the day she was born and promising to protect her no matter what. Her mum is never going to teach her how to put her new born baby to sleep. She is never going to have a first kiss. Have sex. Travel the world. Feel the rush of relief when she finishes her final exam. Turn eighteen. Have a baby. Feel anxious when her child goes to school for the first time. Someone murdered her with their words. Someone like you. I'm naive to think you will never send hate again, but please learn two things from my response. 1. t takes a few kind words to save someones life. 2. It takes a few cruel words to take someones life. VIA THEMETAPICTURE.COM epicjohndoe: Such A Beautiful Thought
Beautiful, Life, and School: flowersinbonecages:
 19 delete edit
 You're pathetic. Please kill yourself
 Anonymous
 The other day I was very seriously contemplating suicide. Had I received a
 message like this then, I legitimately believe I would have attempted to take my
 own life. Unfortunately for you, two days ago a littie boy saved me. I didn't
 even know him -yet as we passed each other he said I was beautiful and
 deserved to live. Just like that.
 As tumbir becomes more populated, the amount of times I see hate on my
 dash is becoming more frequent. Often after my initial fury at seeing the cruel
 message dies down, I wonder what it is in the anonymous' life that has made
 them so bitter, heartless and cold, that they feel compelled to tell someone
 that they are not beautiful or are undeserving of life. I have failed to think of
 anything. I can find no reasons for such inhumanity.
 3 weeks ago, a 13 year old girl from my town committed suicide because she
 was being bullied. The amount of people it affected is astounding. Her father
 is going to walk her down the aisle in a coffin as oppose to a beautiful white
 wedding dress. He's probably going to cry himself to sleep tonight like he has
 done since she she died. He still remembers holding her the day she was
 born and promising to protect her no matter what.
 Her mum is never going to teach her how to put her new born baby to sleep.
 She is never going to have a first kiss. Have sex. Travel the world. Feel the
 rush of relief when she finishes her final exam. Turn eighteen. Have a baby.
 Feel anxious when her child goes to school for the first time.
 Someone murdered her with their words. Someone like you.
 I'm naive to think you will never send hate again, but please learn two things
 from my response.
 1. t takes a few kind words to save someones life.
 2. It takes a few cruel words to take someones life.
 VIA THEMETAPICTURE.COM
epicjohndoe:

Such A Beautiful Thought

epicjohndoe: Such A Beautiful Thought

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...

Baked, Dad, and Fail: theguilteaparty So my mom told me a story... Growing up, my mom and her siblings would make banana bread every week. Literally every week since the first one of them learned how to make it, they started making banana bread- lo and behold though, they liked it with walnuts and they all knew their dad hated walnuts. So they made a special loaf of banana bread just for him every week, just for him to eat. Nobody else was allowed to eat it because that was his banana bread, baked especially for him. So anyways, they did this once a week from middle school up until every last one of them moved out of the house (and considering there was at least 10 years difference from the oldest to the youngest, this was quite some time). So that's like... 16 years of weekly banana bread. And he always finished it. He, without fail, ate the whole loaf of bread by himself. That's approximately 835 loaves of banana bread. Now Skip ahead a few years... and they're all visiting and baking banana bread and they start making a dad's bread and their mom comes in, "I don't think he can handle eating one more slice of banana bread!" "What are you talking about? He loves banana bread! He had it all the time!" This is when my grandma, their mom, broke the news that my grandfather loathed banana bread with every fiber of his being. He just adored that his kids loved him enough to make him a special loaf of banana bread every week (and he didn't have the heart to tell them that he couldn't stand banana bread) and he was incredibly, utterly upset that my grandma told the kids his big secret. My grandfather was a loving, patient, gentle man who absolutely hated banana bread but loved his kids so much more and I just wanted to share that with you guys. I think this story is just about the perfect example of the kind of person he was. Dad and the Banana Bread
Baked, Dad, and Fail: theguilteaparty
 So my mom told me a story...
 Growing up, my mom and her siblings would
 make banana bread every week.
 Literally every week since the first one of them
 learned how to make it, they started making
 banana bread- lo and behold though, they liked
 it with walnuts and they all knew their dad
 hated walnuts.
 So they made a special loaf of banana bread
 just for him every week, just for him to eat.
 Nobody else was allowed to eat it because that
 was his banana bread, baked especially for
 him.
 So anyways, they did this once a week from
 middle school up until every last one of them
 moved out of the house (and considering there
 was at least 10 years difference from the oldest
 to the youngest, this was quite some time). So
 that's like... 16 years of weekly banana bread.
 And he always finished it. He, without fail, ate
 the whole loaf of bread by himself.
 That's approximately 835 loaves of banana
 bread.
 Now
 Skip ahead a few years...
 and they're all visiting and baking banana bread
 and they start making a dad's bread and their
 mom comes in, "I don't think he can handle
 eating one more slice of banana bread!"
 "What are you talking about? He loves banana
 bread! He had it all the time!"
 This is when my grandma, their mom, broke the
 news that my grandfather loathed banana
 bread with every fiber of his being. He just
 adored that his kids loved him enough to make
 him a special loaf of banana bread every week
 (and he didn't have the heart to tell them that
 he couldn't stand banana bread) and he was
 incredibly, utterly upset that my grandma told
 the kids his big secret.
 My grandfather was a loving, patient, gentle
 man who absolutely hated banana bread but
 loved his kids so much more and I just wanted
 to share that with you guys. I think this story is
 just about the perfect example of the kind of
 person he was.
Dad and the Banana Bread

Dad and the Banana Bread

Birthday, Happy Birthday, and Happy: My wife and I swiped right on my birthday a few years ago. My opening line was “Well happy birthday to me!” and we’ve never looked back. We’ve been married for about a month now.
Birthday, Happy Birthday, and Happy: My wife and I swiped right on my birthday a few years ago. My opening line was “Well happy birthday to me!” and we’ve never looked back. We’ve been married for about a month now.

My wife and I swiped right on my birthday a few years ago. My opening line was “Well happy birthday to me!” and we’ve never looked back. We’...

Tinder, Date, and Girl: Got a “superlike” a few years ago from a girl that had just gotten Tinder a couple days before. I was her first and only Tinder date. On 10/12/19 we said “I do”
Tinder, Date, and Girl: Got a “superlike” a few years ago from a girl that had just gotten Tinder a couple days before. I was her first and only Tinder date. On 10/12/19 we said “I do”

Got a “superlike” a few years ago from a girl that had just gotten Tinder a couple days before. I was her first and only Tinder date. On 10/...