Pull Yourself Up By Your Bootstraps
Pull Yourself Up By Your Bootstraps

Pull Yourself Up By Your Bootstraps

Fuck You Thats Why
Fuck You Thats Why

Fuck You Thats Why

The
The

The

Flood
Flood

Flood

Plan
Plan

Plan

Clone
Clone

Clone

21 Savage
21 Savage

21 Savage

Louding
Louding

Louding

Because Fuck You Thats Why
Because Fuck You Thats Why

Because Fuck You Thats Why

Anyoning
Anyoning

Anyoning

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us government: US government vs the people
us government: US government vs the people

US government vs the people

us government: The current US government in SQL be like:
us government: The current US government in SQL be like:

The current US government in SQL be like:

us government: hogwartsaheadcanon: college-survivalguide: xiphoidprocess: witch-of-form: draythebaemalfoy: marvilcomicsrock: sonianeverlime: justdoitdaily-fitblr: grilledcheese-samwich: finals im actually speechless I actually did this for math finals For my English essay we were allowed a sheet of notes so I literally spent a week developing THE perfect essay and then summarising each paragraph into one line of shorthand in tiny writing 100%, A* in US Government last year our teacher said we could have one notecard to use as a cheat sheet and gave us a whole packet (meaning like 10 pages) of things that would be on our test. he said, and i quote, “there is no way to fit everything youre going to need on there so you better study” i fit every last piece of info on that card and didnt study at alli got an a moral of the story: dont tell me what i can and cannot do before my midterm in Modern Physics, my teacher told us a story about how one kid kept switching glasses during an exam. he walked over and the kid had red glasses and blue glasses and kept switching between them because he wrote his notecard in red and blue ink. he made a 3d note card. y’all do realize, that with the intense effort it takes to plan and create these sheets, that you’re studying, right? you’re totally studying. love, a TA. The best way to study even if you can’t bring a cheat sheet is to make a cheat sheet and write everything you would write on one if you could have one. It’s an awesome method! ‘but what you’re doing here is studying. its still studying, that exact thing you didnt want to do before…?’ ‘yeah but see this is powered by hubris and spite, so like… it’s better’
us government: hogwartsaheadcanon:
college-survivalguide:

xiphoidprocess:

witch-of-form:

draythebaemalfoy:

marvilcomicsrock:

sonianeverlime:

justdoitdaily-fitblr:

grilledcheese-samwich:

finals

im actually speechless

I actually did this for math finals

For my English essay we were allowed a sheet of notes so I literally spent a week developing THE perfect essay and then summarising each paragraph into one line of shorthand in tiny writing 100%, A*

in US Government last year our teacher said we could have one notecard to use as a cheat sheet and gave us a whole packet (meaning like 10 pages) of things that would be on our test. he said, and i quote, “there is no way to fit everything youre going to need on there so you better study” i fit every last piece of info on that card and didnt study at alli got an a
moral of the story: dont tell me what i can and cannot do

before my midterm in Modern Physics, my teacher told us a story about how one kid kept switching glasses during an exam. he walked over and the kid had red glasses and blue glasses and kept switching between them because he wrote his notecard in red and blue ink. he made a 3d note card.

y’all do realize, that with the intense effort it takes to plan and create these sheets, that you’re studying, right? you’re totally studying. love, a TA.


The best way to study even if you can’t bring a cheat sheet is to make a cheat sheet and write everything you would write on one if you could have one. It’s an awesome method!


‘but what you’re doing here is studying. its still studying, that exact thing you didnt want to do before…?’
‘yeah but see this is powered by hubris and spite, so like… it’s better’

hogwartsaheadcanon: college-survivalguide: xiphoidprocess: witch-of-form: draythebaemalfoy: marvilcomicsrock: sonianeverlime: justd...

us government: 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
us government: 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...

us government: 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
us government: 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...

us government: 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
us government: 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...

us government: ENERGY Sucr of dalk-hn sin. ines in a recctangin ak EPCOT seera PuPrsir/EES +p Arre CK. TH- ndef oran a r tmorr aF ema.n ni cace af er N Cra n, Ppoy, evipmenr rar annear@vicnvidco of hrms op e h Eacuchtdn NERD.Nd5 y ehepl pCF GRET-Hcst depr -e -6aFA+DCPr t dg A adONNC send c Bon wcncCA-CL nd i61CF 1o Crtd int t-Y htw orr ng way.sang fasr CEFA CCA NCE ANw FA HG eciw prtm Catbce tsherche kkrsa Jrk -nr Nu rase tr picrariuy.c CridaF ri evar of evng r tces veves- nae Fre chi o y Kenivuhdnt fentfsnsret p dv iited CY apononk bhsher itru inml bokrty rip e , inntd ve Eof ihd kmy fo -% pernel anid c DCAdv uninacr u , ch, d netO hy og n p A kerprarion- Pv Imt hak, cepararon of d wh yr r lodke sCnent uimty hft rnsfer r rthq menidyCmcrt, weuble PAhn Pf ondrte a PreJy:snehan en ema wi, vie rsna roro Ivaresem mwdern when u can have a 1 page cheat sheet A y niP rchre-wr un WE peiahese n vchhtd a -ex u . 4p Dol fergnh ne plnad hert sns. annark rpenhar is seller rate 2neF rart, 1engu penal, fa ntng auhvines bé ane3 evenge PV rhnlonon rasta N omparnk Py ef rtwn w Expard ses fru r a e wort nuthy Piir m he ad paymter rocc FUbbc offen (sen sanno to pvphe Pboyof pd PANnbyale roly rer-i one r prvare affsc btor Kie h $rom r onn b dririhed a prrion y Prederh h. tansfernng cl Her-mnns Tor p ef arare sh ercunvcann ple- r y k ) 解CALKC りーAcnel re tArtun e h ng u uisan eLondyre 2 Altcrnerve nueinnents wl di opaun pen OTC-edir M In StolS+LT nva taon-eirctrent- NADO Auchen mE iK-hai A plugiol lotanor archs bnsssehers Constant aruwh d ensrantore 8-133cF A L/C tes sje ns vean orall K6alane shechiacuhty ALtE y Vr n pu STUE ote aiy yicld to in 61srmert igs hip ncnil m veran aner effer of alrloni on firmswen Opl Aer pruny mai (nM) urha reA y icpid-her -sh vat pay-p aunvdy tv e Fadin pncl PrL-th Ham an loaun repud-h shnoto poy, finc oun ano to solve for E ( atsltd n purpp ud-rjuoheynvid@at-iane tiahopehahng Srit) CEletttp-h UFFADCE-NS-N d pro-inuru-inwecast bperot gytinyothmno inN PV ayhaikt por/v Gle of glus selvay rtvrn on 10A +eniy ccnnd, doit aain- o subTmaC Inwive orrenr Rasc r e e aleof plantprop enmr ser to cakulare yors deie EP CAVES of debt ov lo+ ex i9un of iastial atay NEGATIVC redecn Prdcbr 7 inC trawtbn TPAY prop or e Se of Aaure apalshc hogwartsaheadcanon: college-survivalguide: xiphoidprocess: witch-of-form: draythebaemalfoy: marvilcomicsrock: sonianeverlime: justdoitdaily-fitblr: grilledcheese-samwich: finals im actually speechless I actually did this for math finals For my English essay we were allowed a sheet of notes so I literally spent a week developing THE perfect essay and then summarising each paragraph into one line of shorthand in tiny writing 100%, A* in US Government last year our teacher said we could have one notecard to use as a cheat sheet and gave us a whole packet (meaning like 10 pages) of things that would be on our test. he said, and i quote, “there is no way to fit everything youre going to need on there so you better study” i fit every last piece of info on that card and didnt study at alli got an a moral of the story: dont tell me what i can and cannot do before my midterm in Modern Physics, my teacher told us a story about how one kid kept switching glasses during an exam. he walked over and the kid had red glasses and blue glasses and kept switching between them because he wrote his notecard in red and blue ink. he made a 3d note card. y’all do realize, that with the intense effort it takes to plan and create these sheets, that you’re studying, right? you’re totally studying. love, a TA. The best way to study even if you can’t bring a cheat sheet is to make a cheat sheet and write everything you would write on one if you could have one. It’s an awesome method! ‘but what you’re doing here is studying. its still studying, that exact thing you didnt want to do before…?’ ‘yeah but see this is powered by hubris and spite, so like… it’s better’
us government: ENERGY
 Sucr of dalk-hn
 sin.
 ines
 in a recctangin ak
 EPCOT seera
 PuPrsir/EES
 +p
 Arre CK. TH- ndef oran a r
 tmorr aF ema.n ni cace
 af er
 N Cra n, Ppoy, evipmenr
 rar
 annear@vicnvidco of hrms op e h
 Eacuchtdn
 NERD.Nd5
 y
 ehepl pCF GRET-Hcst depr -e -6aFA+DCPr
 t dg A adONNC send c Bon wcncCA-CL
 nd i61CF 1o Crtd int t-Y htw orr ng
 way.sang
 fasr
 CEFA CCA NCE ANw FA HG
 eciw
 prtm
 Catbce tsherche kkrsa Jrk -nr Nu rase
 tr picrariuy.c CridaF ri
 evar of
 evng
 r tces veves-
 nae
 Fre chi o y
 Kenivuhdnt fentfsnsret p dv iited CY apononk
 bhsher itru inml bokrty
 rip e , inntd
 ve
 Eof ihd kmy fo -% pernel anid c DCAdv uninacr
 u
 , ch, d netO
 hy og n p
 A
 kerprarion- Pv Imt hak, cepararon of d
 wh yr r lodke sCnent uimty hft rnsfer r rthq
 menidyCmcrt, weuble PAhn
 Pf ondrte a PreJy:snehan
 en
 ema
 wi, vie
 rsna roro
 Ivaresem
 mwdern
 when u can have a 1 page cheat sheet
 A y niP rchre-wr un WE
 peiahese n vchhtd a -ex
 u . 4p Dol fergnh ne plnad hert sns. annark rpenhar is seller
 rate 2neF rart, 1engu penal, fa ntng auhvines bé ane3 evenge
 PV
 rhnlonon rasta N omparnk
 Py ef rtwn w
 Expard ses fru r a e wort nuthy Piir m he ad paymter rocc FUbbc offen (sen sanno to pvphe
 Pboyof pd PANnbyale roly rer-i one r
 prvare
 affsc btor
 Kie h
 $rom
 r onn b dririhed a
 prrion
 y
 Prederh h.
 tansfernng cl
 Her-mnns Tor
 p ef arare sh
 ercunvcann
 ple- r y k ) 解CALKC りーAcnel re
 tArtun e h ng u uisan
 eLondyre 2 Altcrnerve nueinnents wl di
 opaun pen
 OTC-edir M In StolS+LT
 nva taon-eirctrent- NADO
 Auchen mE iK-hai A plugiol lotanor
 archs bnsssehers
 Constant aruwh d ensrantore
 8-133cF A
 L/C tes sje ns vean orall K6alane shechiacuhty ALtE y Vr n pu STUE ote aiy yicld to in
 61srmert igs hip ncnil m
 veran aner
 effer of alrloni on firmswen
 Opl Aer pruny mai (nM) urha reA y icpid-her -sh vat pay-p aunvdy
 tv
 e
 Fadin pncl PrL-th
 Ham an loaun repud-h shnoto poy, finc oun ano to solve for E (
 atsltd n purpp ud-rjuoheynvid@at-iane tiahopehahng
 Srit)
 CEletttp-h UFFADCE-NS-N d pro-inuru-inwecast bperot
 gytinyothmno
 inN PV
 ayhaikt
 por/v
 Gle of glus selvay rtvrn on 10A +eniy ccnnd, doit aain- o subTmaC
 Inwive orrenr Rasc r e
 e
 aleof plantprop enmr
 ser to cakulare yors deie
 EP CAVES of debt ov lo+ ex i9un of iastial atay NEGATIVC
 redecn Prdcbr
 7
 inC
 trawtbn TPAY prop or e Se of Aaure apalshc
hogwartsaheadcanon:
college-survivalguide:

xiphoidprocess:

witch-of-form:

draythebaemalfoy:

marvilcomicsrock:

sonianeverlime:

justdoitdaily-fitblr:

grilledcheese-samwich:

finals

im actually speechless

I actually did this for math finals

For my English essay we were allowed a sheet of notes so I literally spent a week developing THE perfect essay and then summarising each paragraph into one line of shorthand in tiny writing 100%, A*

in US Government last year our teacher said we could have one notecard to use as a cheat sheet and gave us a whole packet (meaning like 10 pages) of things that would be on our test. he said, and i quote, “there is no way to fit everything youre going to need on there so you better study” i fit every last piece of info on that card and didnt study at alli got an a
moral of the story: dont tell me what i can and cannot do

before my midterm in Modern Physics, my teacher told us a story about how one kid kept switching glasses during an exam. he walked over and the kid had red glasses and blue glasses and kept switching between them because he wrote his notecard in red and blue ink. he made a 3d note card.

y’all do realize, that with the intense effort it takes to plan and create these sheets, that you’re studying, right? you’re totally studying. love, a TA.


The best way to study even if you can’t bring a cheat sheet is to make a cheat sheet and write everything you would write on one if you could have one. It’s an awesome method!


‘but what you’re doing here is studying. its still studying, that exact thing you didnt want to do before…?’
‘yeah but see this is powered by hubris and spite, so like… it’s better’

hogwartsaheadcanon: college-survivalguide: xiphoidprocess: witch-of-form: draythebaemalfoy: marvilcomicsrock: sonianeverlime: justd...

us government: A WALL US Government shutdown negotiation, 2019
us government: A WALL
US Government shutdown negotiation, 2019

US Government shutdown negotiation, 2019