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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...

Community, Drugs, and Homeless: an account you reported @babadookspinoza Follow "Giving people homes" YEAH NO SHIT When Europe gets it right It's a miracle': Helsinki's radical solution to homelessness Finland is the only EU country where homelessness is falling. Its secret? Giving people homes as soon as they need them- unconditionally 3:34 PM -3 Jun 2019 3,568 Retweets 12,641 Likes Julesy @julesprom Follow "you can't just give people homes for free" actually you can and it turns out to be a cheaper alternative for cities and communities than having a homeless population "but no one wants to have to pay for all this" its literally cheaper and benefits everyone in the community an account you reported @babadookspinoza "Giving people homes" YEAH NO SHIT Is amiracle': Helsinki's radical solution to homelessness Show this thread y d 10:53 PM -3 Jun 2019 7,235 Retweets 16,637 Likes bemusedlybespectacled: jethroq: goawfma: who would have thought that the solution to homelessness is providing people with housing? 🧐 The solution isn’t 100% perfect, there’s a lot of people who aren’t technically homeless because they live with other people for free etc. but yeah this does majorly help reduce risks for vulnerable people. Here’s the big thing about it that might scandalize Americans even more so than the idea of free housing: you don’t have to do anything to “deserve it.” Most countries use what’s called “the staircase model” – you start by being in shelter, then maybe a halfway house, then permanent housing. You can “move up” by going through rehab or getting a job or accessing other services. The idea is that housing is something you get as a reward for good behavior, not something you get by right. But with the housing first model, you get the house first, and then deal with everything else. It’s a lot easier to stop using drugs and alcohol when you have other ways to pass the time and aren’t under constant stress. It’s a lot easier to get a job when you have an address to put on your applications. It’s a lot easier to treat mental illness when you’re in a safe place that doesn’t add to your fear and pain. But if your mentality is that housing is something only the morally pure and socially acceptable deserve, and the only way to get it is for people to jump through hoops to prove their goodness, then of course you’re going to hate this model.
Community, Drugs, and Homeless: an account you reported
 @babadookspinoza
 Follow
 "Giving people homes" YEAH NO SHIT
 When Europe gets it right
 It's a miracle': Helsinki's
 radical solution to
 homelessness
 Finland is the only EU country where
 homelessness is falling. Its secret? Giving
 people homes as soon as they need them-
 unconditionally
 3:34 PM -3 Jun 2019
 3,568 Retweets 12,641 Likes

 Julesy
 @julesprom
 Follow
 "you can't just give people homes for
 free"
 actually you can and it turns out to be a
 cheaper alternative for cities and
 communities than having a homeless
 population
 "but no one wants to have to pay for all
 this"
 its literally cheaper and benefits
 everyone in the community
 an account you reported @babadookspinoza
 "Giving people homes" YEAH NO SHIT
 Is amiracle': Helsinki's
 radical solution to
 homelessness
 Show this thread
 y
 d
 10:53 PM -3 Jun 2019
 7,235 Retweets 16,637 Likes
bemusedlybespectacled:
jethroq:

goawfma:
who would have thought that the solution to homelessness is providing people with housing? 🧐
The solution isn’t 100% perfect, there’s a lot of people who aren’t technically homeless because they live with other people for free etc. but yeah this does majorly help reduce risks for vulnerable people.

Here’s the big thing about it that might scandalize Americans even more so than the idea of free housing: you don’t have to do anything to “deserve it.” Most countries use what’s called “the staircase model” – you start by being in shelter, then maybe a halfway house, then permanent housing. You can “move up” by going through rehab or getting a job or accessing other services. The idea is that housing is something you get as a reward for good behavior, not something you get by right.
But with the housing first model, you get the house first, and then deal with everything else. It’s a lot easier to stop using drugs and alcohol when you have other ways to pass the time and aren’t under constant stress. It’s a lot easier to get a job when you have an address to put on your applications. It’s a lot easier to treat mental illness when you’re in a safe place that doesn’t add to your fear and pain. But if your mentality is that housing is something only the morally pure and socially acceptable deserve, and the only way to get it is for people to jump through hoops to prove their goodness, then of course you’re going to hate this model.

bemusedlybespectacled: jethroq: goawfma: who would have thought that the solution to homelessness is providing people with housing? 🧐 The s...

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