Extremely


                    
                    
                

                

                

            

        
    







            

            
            

                

                    
                

                

                    

                        


	

	
    
        

            

                
                    
                    
                    
                    

    

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    Dank, Energy, and Head: Sairam Gudiseva
 3nd period
 Never has a man influenced physics so profoundly as Niels Bohr in the early 1900's.
 Going back to this time period, little was known about atomic structure; Bohr set out
 to end the obscurity of physics. However,things didn't come easy for Bohr. He had to
 give up most of his life for physics and research of many hypothesis. But, this is why
 you and I have even heard of the quantum theory and atomic structures. Bohr came
 up with his quantum theory while studying at Cambridge. Bohr was a skeptic and he
 never truly believed in Max Planck's old quantum theory. He put forth the idea that,
 going from one high-energy orbit o a lower one, an electron could, in fact, be trying
 to emit a quantum of discrete energy. Bohr was criticized for this idea, but he didn't
 let up. Soon after, Bohr said his famed quote, " If quantum mechanics hasn't shocked
 you, you haven't understood it yet." This quote is extremely famous and has gone
 down as the motto for quantum physicist around the world. Understandably, Bohr
 never won a Nobel prize outside of physics (of which he only won one). Bohr's still
 going strong with his theories on atomic structure; he allowed for 100's of scientists
 to fully experiment with the cell and its many components. Bohr was largely on the
 run from the Nazi's when he came up with this discovery, which is amazing because
 around this time, Bohr's home country of Denmark was invaded by the Nazi's. Bohr
 and Ernest Rutherford are given credit, but it is believed that Rutherford decided to
 desert Bohr in the middle of their work. Rutherford once, quite famously said that
 you should never bet against the wonders of science. Niels Bohr's famous career
 never really kicked off until he was forty years old. Most other major scientists were
 going all over the world with their ideas by their early twenties. However, in order
 to preserve the legacy of Niels Bohr, he has his own institution, whose goal is to
 make many more great strides in the field of physics for years. How did Bohr affect
 you and me? Without Niels Bohrs' more advanced atomic theory, we might as well
 cry over how little we know of the atoms and their compounds. Physics would have
 never been such a force in the todays society. However, to this day, research is still
 going on to improve and update the atomic theory. Although scientists clearly want
 to improve on Bohr's theory, many famous physicists come out publicly and openly
 say that Bohr's ideas will never be improved upon, todays society cannot say
 goodbye to an opportunity to improve our understanding of the sciences. If Bohr
 never had silenced his critics, we would still be following Planck's theories, and
 going on incomplete information. Bohr's later life was all occupied when he decided
 to go back to Denmark and head the Royal Danish Academy. His main goal was to
 tell the world of the of the greatness of the Danish Sciences and most likely educate
 a new crop of scientists for years to come. There is controversy surrounding Bohr's
 lie during his stint in the Manhattan project. Though he claimed to be anti-violence
 and a peace-seeker, Bohr engineered on the Manhattan Project. Though he didn't
 hurt anyone directly, thousands of people died. Neils Bohr opened many doors for
 you and I in the physics world, he will go down as one of the greatest physicists.
This guy aces quantum mechanics by EagleIndustriesJP
MORE MEMES
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Dank, Energy, and Head: Sairam Gudiseva
 3nd period
 Never has a man influenced physics so profoundly as Niels Bohr in the early 1900's.
 Going back to this time period, little was known about atomic structure; Bohr set out
 to end the obscurity of physics. However,things didn't come easy for Bohr. He had to
 give up most of his life for physics and research of many hypothesis. But, this is why
 you and I have even heard of the quantum theory and atomic structures. Bohr came
 up with his quantum theory while studying at Cambridge. Bohr was a skeptic and he
 never truly believed in Max Planck's old quantum theory. He put forth the idea that,
 going from one high-energy orbit o a lower one, an electron could, in fact, be trying
 to emit a quantum of discrete energy. Bohr was criticized for this idea, but he didn't
 let up. Soon after, Bohr said his famed quote, " If quantum mechanics hasn't shocked
 you, you haven't understood it yet." This quote is extremely famous and has gone
 down as the motto for quantum physicist around the world. Understandably, Bohr
 never won a Nobel prize outside of physics (of which he only won one). Bohr's still
 going strong with his theories on atomic structure; he allowed for 100's of scientists
 to fully experiment with the cell and its many components. Bohr was largely on the
 run from the Nazi's when he came up with this discovery, which is amazing because
 around this time, Bohr's home country of Denmark was invaded by the Nazi's. Bohr
 and Ernest Rutherford are given credit, but it is believed that Rutherford decided to
 desert Bohr in the middle of their work. Rutherford once, quite famously said that
 you should never bet against the wonders of science. Niels Bohr's famous career
 never really kicked off until he was forty years old. Most other major scientists were
 going all over the world with their ideas by their early twenties. However, in order
 to preserve the legacy of Niels Bohr, he has his own institution, whose goal is to
 make many more great strides in the field of physics for years. How did Bohr affect
 you and me? Without Niels Bohrs' more advanced atomic theory, we might as well
 cry over how little we know of the atoms and their compounds. Physics would have
 never been such a force in the todays society. However, to this day, research is still
 going on to improve and update the atomic theory. Although scientists clearly want
 to improve on Bohr's theory, many famous physicists come out publicly and openly
 say that Bohr's ideas will never be improved upon, todays society cannot say
 goodbye to an opportunity to improve our understanding of the sciences. If Bohr
 never had silenced his critics, we would still be following Planck's theories, and
 going on incomplete information. Bohr's later life was all occupied when he decided
 to go back to Denmark and head the Royal Danish Academy. His main goal was to
 tell the world of the of the greatness of the Danish Sciences and most likely educate
 a new crop of scientists for years to come. There is controversy surrounding Bohr's
 lie during his stint in the Manhattan project. Though he claimed to be anti-violence
 and a peace-seeker, Bohr engineered on the Manhattan Project. Though he didn't
 hurt anyone directly, thousands of people died. Neils Bohr opened many doors for
 you and I in the physics world, he will go down as one of the greatest physicists.
This guy aces quantum mechanics by EagleIndustriesJP
MORE MEMES
                
            

            
            
This guy aces quantum mechanics by EagleIndustriesJP
MORE MEMES

            
            
        

    



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                




    Food, Frozen, and Trap: The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes

 HOW TO TREAT A
 TONGUE STUCK
 TO A POLE
 lWarm the pole with your hands.
 Atongue will stick when the surface of the pole is
 very
 when the tongue touches the pole, causing bonding.
 Place your gloved hands on the area of the pole
 closest to the tongue. Hold them there for several
 minutes
 cold. The top few layers of the tongue will freeze
 1 Do not panic.
 2 Do not pull the tongue from the pole
 3 Move closer to the pole.
 Pulling sharply will be very painful.
 As the pole warms, the frozen area around the tongue
 should begin to thaw. Gently pull the tongue away
 from the pole. You may leave a layer or two of skin on
 the pole, which will be painful, but the tongue will
 quickly heal.
 | İlke z test pull.
 Get as close as possible without letting more of the
 tongue's surface area touch the pole.
 Alternative Method
 0
 se warm water
 Pour water from a water bottle over the tongue and
 the pole. Do not use water that is cold, or it may
 freeze and exacerbate the problem.
 Be Aware
 Do not try to loosen your tongue with your own
 saliva: Although saliva is relatively warm, the
 small amount you will be able to generate is
 likely to freeze on your tongue..
 If another person is present, have him or her
 pour warm (not hot) water over your tongue. This
 may be difficult to articulate while your tongue is
 stuck-pantomiming a glass of water poured over
 your tongue should do the trick
 Warm the pole wih yr ui wti
 your ton

 How To THWART AN
 AFFECTIONATE COSTUMED MAScoT
 er
 all
 ood/
 medi
 1S
 tial
 restau
 tuate
 fave
 hark
 an-
 e
 to
 nc-
 to

 How rO ESCAPE
 FROM A GIANT
 OCTOPUS
 1 Pull away quickly
 In many cases, a human can escape from the grasp of
 small- to medium-sized octopus by just swimming
 away. Propel yourself forward to create a pulling pres-
 sure on the octopus's arms. If you cannot get away, or
 if you feel yourself being pulled back, continue to the
 next step.
 2 Do not go limp.
 Octopi are naturally curious and, if strong enough,
 will check to see if you are a food item before letting
 you go. Do not act passively, or you may be bitten or
 quickly enveloped by the octopus's web, a flexible
 sheath used to trap prey. Once you are caught in a
 "web-over," escape will be extremely difficult.
 However, octopi tire easily, so continue to put pres-
 sure on the arms by attempting to swim away. The
 octopus may decide to let you go rather than bring
 ou in for a closer look.
 3 Prevent the octopus's arms from wrapping around
 your arms.

 The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes
 Searchable CD
 With All
 11 Handbooks
 plus wallpapers,
 and more
 By Joshua Piven and David Borgenicht
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook


    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Food, Frozen, and Trap: The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes

 HOW TO TREAT A
 TONGUE STUCK
 TO A POLE
 lWarm the pole with your hands.
 Atongue will stick when the surface of the pole is
 very
 when the tongue touches the pole, causing bonding.
 Place your gloved hands on the area of the pole
 closest to the tongue. Hold them there for several
 minutes
 cold. The top few layers of the tongue will freeze
 1 Do not panic.
 2 Do not pull the tongue from the pole
 3 Move closer to the pole.
 Pulling sharply will be very painful.
 As the pole warms, the frozen area around the tongue
 should begin to thaw. Gently pull the tongue away
 from the pole. You may leave a layer or two of skin on
 the pole, which will be painful, but the tongue will
 quickly heal.
 | İlke z test pull.
 Get as close as possible without letting more of the
 tongue's surface area touch the pole.
 Alternative Method
 0
 se warm water
 Pour water from a water bottle over the tongue and
 the pole. Do not use water that is cold, or it may
 freeze and exacerbate the problem.
 Be Aware
 Do not try to loosen your tongue with your own
 saliva: Although saliva is relatively warm, the
 small amount you will be able to generate is
 likely to freeze on your tongue..
 If another person is present, have him or her
 pour warm (not hot) water over your tongue. This
 may be difficult to articulate while your tongue is
 stuck-pantomiming a glass of water poured over
 your tongue should do the trick
 Warm the pole wih yr ui wti
 your ton

 How To THWART AN
 AFFECTIONATE COSTUMED MAScoT
 er
 all
 ood/
 medi
 1S
 tial
 restau
 tuate
 fave
 hark
 an-
 e
 to
 nc-
 to

 How rO ESCAPE
 FROM A GIANT
 OCTOPUS
 1 Pull away quickly
 In many cases, a human can escape from the grasp of
 small- to medium-sized octopus by just swimming
 away. Propel yourself forward to create a pulling pres-
 sure on the octopus's arms. If you cannot get away, or
 if you feel yourself being pulled back, continue to the
 next step.
 2 Do not go limp.
 Octopi are naturally curious and, if strong enough,
 will check to see if you are a food item before letting
 you go. Do not act passively, or you may be bitten or
 quickly enveloped by the octopus's web, a flexible
 sheath used to trap prey. Once you are caught in a
 "web-over," escape will be extremely difficult.
 However, octopi tire easily, so continue to put pres-
 sure on the arms by attempting to swim away. The
 octopus may decide to let you go rather than bring
 ou in for a closer look.
 3 Prevent the octopus's arms from wrapping around
 your arms.

 The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes
 Searchable CD
 With All
 11 Handbooks
 plus wallpapers,
 and more
 By Joshua Piven and David Borgenicht
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook


                
            

            
            
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook



            
            
        

    



            

        

        
        

            

                




    Food, Frozen, and Trap: The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes

 HOW TO TREAT A
 TONGUE STUCK
 TO A POLE
 lWarm the pole with your hands.
 Atongue will stick when the surface of the pole is
 very
 when the tongue touches the pole, causing bonding.
 Place your gloved hands on the area of the pole
 closest to the tongue. Hold them there for several
 minutes
 cold. The top few layers of the tongue will freeze
 1 Do not panic.
 2 Do not pull the tongue from the pole
 3 Move closer to the pole.
 Pulling sharply will be very painful.
 As the pole warms, the frozen area around the tongue
 should begin to thaw. Gently pull the tongue away
 from the pole. You may leave a layer or two of skin on
 the pole, which will be painful, but the tongue will
 quickly heal.
 | İlke z test pull.
 Get as close as possible without letting more of the
 tongue's surface area touch the pole.
 Alternative Method
 0
 se warm water
 Pour water from a water bottle over the tongue and
 the pole. Do not use water that is cold, or it may
 freeze and exacerbate the problem.
 Be Aware
 Do not try to loosen your tongue with your own
 saliva: Although saliva is relatively warm, the
 small amount you will be able to generate is
 likely to freeze on your tongue..
 If another person is present, have him or her
 pour warm (not hot) water over your tongue. This
 may be difficult to articulate while your tongue is
 stuck-pantomiming a glass of water poured over
 your tongue should do the trick
 Warm the pole wih yr ui wti
 your ton

 How To THWART AN
 AFFECTIONATE COSTUMED MAScoT
 er
 all
 ood/
 medi
 1S
 tial
 restau
 tuate
 fave
 hark
 an-
 e
 to
 nc-
 to

 How rO ESCAPE
 FROM A GIANT
 OCTOPUS
 1 Pull away quickly
 In many cases, a human can escape from the grasp of
 small- to medium-sized octopus by just swimming
 away. Propel yourself forward to create a pulling pres-
 sure on the octopus's arms. If you cannot get away, or
 if you feel yourself being pulled back, continue to the
 next step.
 2 Do not go limp.
 Octopi are naturally curious and, if strong enough,
 will check to see if you are a food item before letting
 you go. Do not act passively, or you may be bitten or
 quickly enveloped by the octopus's web, a flexible
 sheath used to trap prey. Once you are caught in a
 "web-over," escape will be extremely difficult.
 However, octopi tire easily, so continue to put pres-
 sure on the arms by attempting to swim away. The
 octopus may decide to let you go rather than bring
 ou in for a closer look.
 3 Prevent the octopus's arms from wrapping around
 your arms.

 The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes
 Searchable CD
 With All
 11 Handbooks
 plus wallpapers,
 and more
 By Joshua Piven and David Borgenicht
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook


    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Food, Frozen, and Trap: The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes

 HOW TO TREAT A
 TONGUE STUCK
 TO A POLE
 lWarm the pole with your hands.
 Atongue will stick when the surface of the pole is
 very
 when the tongue touches the pole, causing bonding.
 Place your gloved hands on the area of the pole
 closest to the tongue. Hold them there for several
 minutes
 cold. The top few layers of the tongue will freeze
 1 Do not panic.
 2 Do not pull the tongue from the pole
 3 Move closer to the pole.
 Pulling sharply will be very painful.
 As the pole warms, the frozen area around the tongue
 should begin to thaw. Gently pull the tongue away
 from the pole. You may leave a layer or two of skin on
 the pole, which will be painful, but the tongue will
 quickly heal.
 | İlke z test pull.
 Get as close as possible without letting more of the
 tongue's surface area touch the pole.
 Alternative Method
 0
 se warm water
 Pour water from a water bottle over the tongue and
 the pole. Do not use water that is cold, or it may
 freeze and exacerbate the problem.
 Be Aware
 Do not try to loosen your tongue with your own
 saliva: Although saliva is relatively warm, the
 small amount you will be able to generate is
 likely to freeze on your tongue..
 If another person is present, have him or her
 pour warm (not hot) water over your tongue. This
 may be difficult to articulate while your tongue is
 stuck-pantomiming a glass of water poured over
 your tongue should do the trick
 Warm the pole wih yr ui wti
 your ton

 How To THWART AN
 AFFECTIONATE COSTUMED MAScoT
 er
 all
 ood/
 medi
 1S
 tial
 restau
 tuate
 fave
 hark
 an-
 e
 to
 nc-
 to

 How rO ESCAPE
 FROM A GIANT
 OCTOPUS
 1 Pull away quickly
 In many cases, a human can escape from the grasp of
 small- to medium-sized octopus by just swimming
 away. Propel yourself forward to create a pulling pres-
 sure on the octopus's arms. If you cannot get away, or
 if you feel yourself being pulled back, continue to the
 next step.
 2 Do not go limp.
 Octopi are naturally curious and, if strong enough,
 will check to see if you are a food item before letting
 you go. Do not act passively, or you may be bitten or
 quickly enveloped by the octopus's web, a flexible
 sheath used to trap prey. Once you are caught in a
 "web-over," escape will be extremely difficult.
 However, octopi tire easily, so continue to put pres-
 sure on the arms by attempting to swim away. The
 octopus may decide to let you go rather than bring
 ou in for a closer look.
 3 Prevent the octopus's arms from wrapping around
 your arms.

 The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes
 Searchable CD
 With All
 11 Handbooks
 plus wallpapers,
 and more
 By Joshua Piven and David Borgenicht
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook


                
            

            
            
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook



            
            
        

    



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                




    Food, Frozen, and Trap: The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes

 HOW TO TREAT A
 TONGUE STUCK
 TO A POLE
 lWarm the pole with your hands.
 Atongue will stick when the surface of the pole is
 very
 when the tongue touches the pole, causing bonding.
 Place your gloved hands on the area of the pole
 closest to the tongue. Hold them there for several
 minutes
 cold. The top few layers of the tongue will freeze
 1 Do not panic.
 2 Do not pull the tongue from the pole
 3 Move closer to the pole.
 Pulling sharply will be very painful.
 As the pole warms, the frozen area around the tongue
 should begin to thaw. Gently pull the tongue away
 from the pole. You may leave a layer or two of skin on
 the pole, which will be painful, but the tongue will
 quickly heal.
 | İlke z test pull.
 Get as close as possible without letting more of the
 tongue's surface area touch the pole.
 Alternative Method
 0
 se warm water
 Pour water from a water bottle over the tongue and
 the pole. Do not use water that is cold, or it may
 freeze and exacerbate the problem.
 Be Aware
 Do not try to loosen your tongue with your own
 saliva: Although saliva is relatively warm, the
 small amount you will be able to generate is
 likely to freeze on your tongue..
 If another person is present, have him or her
 pour warm (not hot) water over your tongue. This
 may be difficult to articulate while your tongue is
 stuck-pantomiming a glass of water poured over
 your tongue should do the trick
 Warm the pole wih yr ui wti
 your ton

 How To THWART AN
 AFFECTIONATE COSTUMED MAScoT
 er
 all
 ood/
 medi
 1S
 tial
 restau
 tuate
 fave
 hark
 an-
 e
 to
 nc-
 to

 How rO ESCAPE
 FROM A GIANT
 OCTOPUS
 1 Pull away quickly
 In many cases, a human can escape from the grasp of
 small- to medium-sized octopus by just swimming
 away. Propel yourself forward to create a pulling pres-
 sure on the octopus's arms. If you cannot get away, or
 if you feel yourself being pulled back, continue to the
 next step.
 2 Do not go limp.
 Octopi are naturally curious and, if strong enough,
 will check to see if you are a food item before letting
 you go. Do not act passively, or you may be bitten or
 quickly enveloped by the octopus's web, a flexible
 sheath used to trap prey. Once you are caught in a
 "web-over," escape will be extremely difficult.
 However, octopi tire easily, so continue to put pres-
 sure on the arms by attempting to swim away. The
 octopus may decide to let you go rather than bring
 ou in for a closer look.
 3 Prevent the octopus's arms from wrapping around
 your arms.

 The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes
 Searchable CD
 With All
 11 Handbooks
 plus wallpapers,
 and more
 By Joshua Piven and David Borgenicht
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook


    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Food, Frozen, and Trap: The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes

 HOW TO TREAT A
 TONGUE STUCK
 TO A POLE
 lWarm the pole with your hands.
 Atongue will stick when the surface of the pole is
 very
 when the tongue touches the pole, causing bonding.
 Place your gloved hands on the area of the pole
 closest to the tongue. Hold them there for several
 minutes
 cold. The top few layers of the tongue will freeze
 1 Do not panic.
 2 Do not pull the tongue from the pole
 3 Move closer to the pole.
 Pulling sharply will be very painful.
 As the pole warms, the frozen area around the tongue
 should begin to thaw. Gently pull the tongue away
 from the pole. You may leave a layer or two of skin on
 the pole, which will be painful, but the tongue will
 quickly heal.
 | İlke z test pull.
 Get as close as possible without letting more of the
 tongue's surface area touch the pole.
 Alternative Method
 0
 se warm water
 Pour water from a water bottle over the tongue and
 the pole. Do not use water that is cold, or it may
 freeze and exacerbate the problem.
 Be Aware
 Do not try to loosen your tongue with your own
 saliva: Although saliva is relatively warm, the
 small amount you will be able to generate is
 likely to freeze on your tongue..
 If another person is present, have him or her
 pour warm (not hot) water over your tongue. This
 may be difficult to articulate while your tongue is
 stuck-pantomiming a glass of water poured over
 your tongue should do the trick
 Warm the pole wih yr ui wti
 your ton

 How To THWART AN
 AFFECTIONATE COSTUMED MAScoT
 er
 all
 ood/
 medi
 1S
 tial
 restau
 tuate
 fave
 hark
 an-
 e
 to
 nc-
 to

 How rO ESCAPE
 FROM A GIANT
 OCTOPUS
 1 Pull away quickly
 In many cases, a human can escape from the grasp of
 small- to medium-sized octopus by just swimming
 away. Propel yourself forward to create a pulling pres-
 sure on the octopus's arms. If you cannot get away, or
 if you feel yourself being pulled back, continue to the
 next step.
 2 Do not go limp.
 Octopi are naturally curious and, if strong enough,
 will check to see if you are a food item before letting
 you go. Do not act passively, or you may be bitten or
 quickly enveloped by the octopus's web, a flexible
 sheath used to trap prey. Once you are caught in a
 "web-over," escape will be extremely difficult.
 However, octopi tire easily, so continue to put pres-
 sure on the arms by attempting to swim away. The
 octopus may decide to let you go rather than bring
 ou in for a closer look.
 3 Prevent the octopus's arms from wrapping around
 your arms.

 The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes
 Searchable CD
 With All
 11 Handbooks
 plus wallpapers,
 and more
 By Joshua Piven and David Borgenicht
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook


                
            

            
            
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook



            
            
        

    



            

        

        
        

            

                




    Food, Frozen, and Trap: The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes

 HOW TO TREAT A
 TONGUE STUCK
 TO A POLE
 lWarm the pole with your hands.
 Atongue will stick when the surface of the pole is
 very
 when the tongue touches the pole, causing bonding.
 Place your gloved hands on the area of the pole
 closest to the tongue. Hold them there for several
 minutes
 cold. The top few layers of the tongue will freeze
 1 Do not panic.
 2 Do not pull the tongue from the pole
 3 Move closer to the pole.
 Pulling sharply will be very painful.
 As the pole warms, the frozen area around the tongue
 should begin to thaw. Gently pull the tongue away
 from the pole. You may leave a layer or two of skin on
 the pole, which will be painful, but the tongue will
 quickly heal.
 | İlke z test pull.
 Get as close as possible without letting more of the
 tongue's surface area touch the pole.
 Alternative Method
 0
 se warm water
 Pour water from a water bottle over the tongue and
 the pole. Do not use water that is cold, or it may
 freeze and exacerbate the problem.
 Be Aware
 Do not try to loosen your tongue with your own
 saliva: Although saliva is relatively warm, the
 small amount you will be able to generate is
 likely to freeze on your tongue..
 If another person is present, have him or her
 pour warm (not hot) water over your tongue. This
 may be difficult to articulate while your tongue is
 stuck-pantomiming a glass of water poured over
 your tongue should do the trick
 Warm the pole wih yr ui wti
 your ton

 How To THWART AN
 AFFECTIONATE COSTUMED MAScoT
 er
 all
 ood/
 medi
 1S
 tial
 restau
 tuate
 fave
 hark
 an-
 e
 to
 nc-
 to

 How rO ESCAPE
 FROM A GIANT
 OCTOPUS
 1 Pull away quickly
 In many cases, a human can escape from the grasp of
 small- to medium-sized octopus by just swimming
 away. Propel yourself forward to create a pulling pres-
 sure on the octopus's arms. If you cannot get away, or
 if you feel yourself being pulled back, continue to the
 next step.
 2 Do not go limp.
 Octopi are naturally curious and, if strong enough,
 will check to see if you are a food item before letting
 you go. Do not act passively, or you may be bitten or
 quickly enveloped by the octopus's web, a flexible
 sheath used to trap prey. Once you are caught in a
 "web-over," escape will be extremely difficult.
 However, octopi tire easily, so continue to put pres-
 sure on the arms by attempting to swim away. The
 octopus may decide to let you go rather than bring
 ou in for a closer look.
 3 Prevent the octopus's arms from wrapping around
 your arms.

 The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes
 Searchable CD
 With All
 11 Handbooks
 plus wallpapers,
 and more
 By Joshua Piven and David Borgenicht
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook


    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Food, Frozen, and Trap: The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes

 HOW TO TREAT A
 TONGUE STUCK
 TO A POLE
 lWarm the pole with your hands.
 Atongue will stick when the surface of the pole is
 very
 when the tongue touches the pole, causing bonding.
 Place your gloved hands on the area of the pole
 closest to the tongue. Hold them there for several
 minutes
 cold. The top few layers of the tongue will freeze
 1 Do not panic.
 2 Do not pull the tongue from the pole
 3 Move closer to the pole.
 Pulling sharply will be very painful.
 As the pole warms, the frozen area around the tongue
 should begin to thaw. Gently pull the tongue away
 from the pole. You may leave a layer or two of skin on
 the pole, which will be painful, but the tongue will
 quickly heal.
 | İlke z test pull.
 Get as close as possible without letting more of the
 tongue's surface area touch the pole.
 Alternative Method
 0
 se warm water
 Pour water from a water bottle over the tongue and
 the pole. Do not use water that is cold, or it may
 freeze and exacerbate the problem.
 Be Aware
 Do not try to loosen your tongue with your own
 saliva: Although saliva is relatively warm, the
 small amount you will be able to generate is
 likely to freeze on your tongue..
 If another person is present, have him or her
 pour warm (not hot) water over your tongue. This
 may be difficult to articulate while your tongue is
 stuck-pantomiming a glass of water poured over
 your tongue should do the trick
 Warm the pole wih yr ui wti
 your ton

 How To THWART AN
 AFFECTIONATE COSTUMED MAScoT
 er
 all
 ood/
 medi
 1S
 tial
 restau
 tuate
 fave
 hark
 an-
 e
 to
 nc-
 to

 How rO ESCAPE
 FROM A GIANT
 OCTOPUS
 1 Pull away quickly
 In many cases, a human can escape from the grasp of
 small- to medium-sized octopus by just swimming
 away. Propel yourself forward to create a pulling pres-
 sure on the octopus's arms. If you cannot get away, or
 if you feel yourself being pulled back, continue to the
 next step.
 2 Do not go limp.
 Octopi are naturally curious and, if strong enough,
 will check to see if you are a food item before letting
 you go. Do not act passively, or you may be bitten or
 quickly enveloped by the octopus's web, a flexible
 sheath used to trap prey. Once you are caught in a
 "web-over," escape will be extremely difficult.
 However, octopi tire easily, so continue to put pres-
 sure on the arms by attempting to swim away. The
 octopus may decide to let you go rather than bring
 ou in for a closer look.
 3 Prevent the octopus's arms from wrapping around
 your arms.

 The
 COMPLETE
 WORST-CASE SCENARIO
 Survival Handbook
 Includes
 Searchable CD
 With All
 11 Handbooks
 plus wallpapers,
 and more
 By Joshua Piven and David Borgenicht
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook


                
            

            
            
novelty-gift-ideas:

Worst-Case Scenario Survival Handbook



            
            
        

    



            

        

        
        

            

                



            

        

        
        

            

                




    Nas, Nasa, and News: neopetcemetery
 Uranus 'gapes wide
 open for blasts of hot
 wind', scientists claim
 Uranus 'opens wide' on a daily
 basis to let in blasts of solar win...
 metro.co.uk 5h
 someone has waited their entire career to use this
 headline
 goopy-amethyst
 Scientist should say something else
 infamy-and-plunder
 Something huge and hard went into Uranus
 and it got very messy Metro..
 metro.co.uk 2017/12/20 som...
 20 Dec 2017 In the distant
 past, Uranus took an absolute
 pounding, say researchers,
 without even cracking a smile.
 My isn't Uranus full of
 surprises? Researchers..
 There's something very hard heading
 towards Uranus, scientists .. Metro
 metro.co.uk 2017/08/28 ther...
 28 Aug 2017 Scientists have
 long suspected it, but there is
 something very, very hard near
 Uranus rains of solid
 diamonds to be precise.
 Stanford researchers now
 believe that huge diamonds - possibly millions of
 carats -sink towards the core of Uranus. ..
 Extremely high pressure squeezes..
 Uranus will be on display to the entire world
 later this month Metro News
 metro.co.uk 2017/10/03 ura...
 3 Oct 2017 It's every
 schoolboy's favourite planet-
 and this month, millions of
 people will be staring at
 Uranus. Uranus will be on
 display on October 19, as the
 planet...
 Scientists spot a massive floater hanging
 around Uranus | Metro News
 metro.co.uk News Science
 5 Sep 2017 Another week,
 another mystery found right
 next to Uranus - as scientists
 discover that the moon
 Cressida would actually float
 in a tub of water.
 NASA wants to probe deeper into Uranus
 than ever before | Metro News
 metro.co.uk 2017/06/19 nas...
 This guy needs a raise
 therothwoman
 Something huge went into Uranus and
 left it absolutely ruined
 Rob Waugh Monday 2 Jul 2018 10:00 pm
 NASA wants to probe deeper into
 Uranus than ever before
 Rob Waugh Monday 19 Jun 2017 11:15 am
 Something huge and hard went into
 Uranus and it got very messy
 Rob Waugh Wednesday 20 Dec 2017 9:42 am
 Uranus 'gapes wide open for blasts of
 hot wind', scientists claim
 Rob Waugh Tuesday 27 Jun 2017 4:12 pm
 This hero's name is Rob Waugh
 Source: neopetcemetery
 233,094 notes
 A
 
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Nas, Nasa, and News: neopetcemetery
 Uranus 'gapes wide
 open for blasts of hot
 wind', scientists claim
 Uranus 'opens wide' on a daily
 basis to let in blasts of solar win...
 metro.co.uk 5h
 someone has waited their entire career to use this
 headline
 goopy-amethyst
 Scientist should say something else
 infamy-and-plunder
 Something huge and hard went into Uranus
 and it got very messy Metro..
 metro.co.uk 2017/12/20 som...
 20 Dec 2017 In the distant
 past, Uranus took an absolute
 pounding, say researchers,
 without even cracking a smile.
 My isn't Uranus full of
 surprises? Researchers..
 There's something very hard heading
 towards Uranus, scientists .. Metro
 metro.co.uk 2017/08/28 ther...
 28 Aug 2017 Scientists have
 long suspected it, but there is
 something very, very hard near
 Uranus rains of solid
 diamonds to be precise.
 Stanford researchers now
 believe that huge diamonds - possibly millions of
 carats -sink towards the core of Uranus. ..
 Extremely high pressure squeezes..
 Uranus will be on display to the entire world
 later this month Metro News
 metro.co.uk 2017/10/03 ura...
 3 Oct 2017 It's every
 schoolboy's favourite planet-
 and this month, millions of
 people will be staring at
 Uranus. Uranus will be on
 display on October 19, as the
 planet...
 Scientists spot a massive floater hanging
 around Uranus | Metro News
 metro.co.uk News Science
 5 Sep 2017 Another week,
 another mystery found right
 next to Uranus - as scientists
 discover that the moon
 Cressida would actually float
 in a tub of water.
 NASA wants to probe deeper into Uranus
 than ever before | Metro News
 metro.co.uk 2017/06/19 nas...
 This guy needs a raise
 therothwoman
 Something huge went into Uranus and
 left it absolutely ruined
 Rob Waugh Monday 2 Jul 2018 10:00 pm
 NASA wants to probe deeper into
 Uranus than ever before
 Rob Waugh Monday 19 Jun 2017 11:15 am
 Something huge and hard went into
 Uranus and it got very messy
 Rob Waugh Wednesday 20 Dec 2017 9:42 am
 Uranus 'gapes wide open for blasts of
 hot wind', scientists claim
 Rob Waugh Tuesday 27 Jun 2017 4:12 pm
 This hero's name is Rob Waugh
 Source: neopetcemetery
 233,094 notes
 A
 
                
            

            
            
 

            
            
        

    



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                




    Africa, Cher, and College: summ'it, n. highest point, top, apex; highest
 degree. summit conference, meeting of
 heads of States.
 summon, vt. call together, require presence
 or au
 su'perfine, a. extremely fine in quality.
 superflu'ity (-floo-), n. superfluous amount.
 super'fluous (-floo-), a. more than enough,
 excessive; ncedless, uncalled-for.
 superhu'man abeyond normal human
 capacity; higher or greater than that of) man.
 superimpose' (-z), v.t. place on something
 dar buagharitsta annear
 A
 else.
 superintend', v. have or exercise charge or
 Ycew denee,
 or official
 direction of
 anking above
 su
 blace, upper;
 etc.; having
 aving above
 higher rank,
 ry or convent
 Superior).
 per
 iene dotank
 or savng c
 Avcrage nualie
 autherty, et
 FatherSaperior A
 Superio rit
 super lative Cor seo-)
 esof highest degree
 6xpressing highes ceg
 denoted by simte fo
 ree or form
 su
 sing all oth-
 of adj., etc.)
 uality, ete.,
 superlative
 an, n(pl permen) Sdeal superior
 ture; man of superhun an powers or
 , n. self service store selling
 sehold goods ofkinds.
 (-cher-), aaue to, manifest-
 gency above Tores of nature;
 nary operation
 cheerfulness brght intiuence
 of dark patches sometimes ob
 surface. su'stroke, illness ca
 sive exposure to heat of sun
 sunn'y, a. ht with sunlight:
 sun'dae (-da confection of ice
 fruit, nuts,
 Sun'day, n tday of wreek, obser
 Christiansday of rest and worship.
 sun'der, v.tarchatc& Poet separate.
 sun'dry, a.various, se veral. sun'dries (-iz),
 n.pl. oddments, small items.
 sung, p.p. o sing
 sunk, p.p. sink.
 sunk'en, aof eves, cheeks, etc.) lholow
 fallen in.
 unny: see sun
 up, v. (p.t. spped), take supper.
 sup-, pref.:ee sub
 super- (or
 (of); beyod besides, execeding, tonscer
 ing; of higher kind atore than tisua
 superabundant, a very ot t06 ab
 superann'uate
 Sion, esp.
 br discards fo8 old
 annua'tion, n.
 superb' (or soo-), a. of most excellent or
 impressive kind, magnificent, majestic.
 súpercil'ious, a haughtily contemptuous, dis-
 dainful, or superior.
 superfi'cial (-shl), a. of or on the surfat
 Lwithout depth. superficial'ity (-shi-), n
 cause and
 n or thing) in
 ary, a. &
 he normal numbe
 e (-z), v. t. place abo
 or on some-
 else, esp. so as to cooede. superpo'
 5able, a.
 su'perscribe, v. t. write orinsce over, at top
 of or outside something. suúpenscrip'tion, n.
 supersede, v.t take the placef; be adopted
 or accepted instead of
 superson ie, a having speed ater than that
 Of Sound.
 suners tie n(habit or bet ef based on)
 Sraonal ar of the1 hakhotn; belief in
 agic sapematural poversc. supersti-
 iousshus) a
 súperstaictore cher) n sucture resting
 on Somethingg lse as a foundation; parts of
 pref ovee abeve en to
 aboge main deck
 occtras an interruption or as
 hange süperen'tion, n.
 erintend per-
 cter of over-
 cause
 see. supervi'sion (-zhn), n. si'pervisor, n.
 supervi'sory, a.
 su'pine, a. lying face upwards; indolent,
 lethargic, inert.
 supp'er, n. meal taken at end of day, esp.
 evening meal less formal and substantial than
 dinner. supp'eriess, a.
 31

 conduct. mo'rality play, medieval moraliz-
 ing drama.
 mo'ralize, v. talk or write on moral aspect of
 things; interpret morally
 morass', n. wet swampy area, bog.
 mor'bid, a. not natural and healthy; of, indi-
 cating, disease. morbid'ity, n.
 mor'dant, a. biting, stinging; (of acids) corro-
 (French)
 monsoon', n. seasonal wind prevailing in S
 Asia; rainy season accompanying SW. mon-
 SOon
 mo
 l
 8
 m
 ional quan-
 v. to greater
 eo'ver, adv.
 me
 r
 m
 rriage, one
 woman of
 rmer station
 claim to
 У
 r
 een man
 who
 child
 m
 t
 п
 S. religious
 m
 m
 ti
 il
 m
 oon or mid-
 of goatskin
 Fig 2 rtreated
 feeble-
 m
 moron'ic,
 red.
 substance
 sen pain.
 ional dance
 and
 phipo
 um ant
 ra
 moon. mo
 moon'stond
 appearance
 dreamy.
 moor, n.
 heather-cov
 billed wate
 moors.
 moor2, v. t. a
 shore or
 place, charg
 . pl. place
 mooring.
 Moor, n. ofMu
 NW. Africa h
 moose, n. (pl e NAnank
 moot, n. (Hi ceting esp. legistative or
 judicial. a. e a guedr debtable v.
 raise (quest
 mор, п. bund
 use in clear
 wipe (as) wi
 mope, v. i. bè
 mo'ped, n. m
 moraine ni
 mo'ral, a. concemedwn character, ere, o
 with right and wrong; good, virtuous. n.
 moral teaching; (pl.) habits or conduct from
 moral point of view. mo'rally, adv.
 morale(-ahl),n. discipline and spirit pervad.
 ing army or group of people.
 mo'ralist, n. one who points out morals;
 who teaches morality. moralis'tic, a
 moral'ity, n. moral principles or rules; moa
 long signals
 g letters of
 rac o, etc.
 r aantity.
 ra cannot live
 iman being.
 ause death;
 KO
 arpabe
 mor Sel, na
 oE'tale aGmast
 oreve c
 hor'tally so as
 extremely,c
 Omortal ity, n ng Seoalfo ss of life on
 alarge scale death-re
 mor tar, n vessel n which gs, etc., are
 pounded with a pestle
 shells. e
 Sand and water used
 bricks, ejc. mortaf
 aulding tortar
 with flat squa
 mortgago
 g deal
 aceba
 un throwing
 ture of lime
 ints between
 ard on which
 college cap
 highhang
 FR d cussion
 C. ixed lo stick for
 Hopped, elean or
 with mpp
 ce of right to
 money, until
 ver by mort-
 gage, preage advatce.. BIAgee, n hol-
 der of mortgage. mortgagor jor), n. per-
 son who pledges property in mosigage.
 mor'tify, v. bring under control by discipline
 and self-control: humiliate. listress: (of
 flesh) be affected with gangrene. mortifi-
 ३2
 ca'tion, n.
 or'tise, n. hole into which end (tenon) of
 another part of framework, etc., is fitted. v. t.
stretchtarot:The Sun & Moon, Lenormand cards 31 and 32
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Africa, Cher, and College: summ'it, n. highest point, top, apex; highest
 degree. summit conference, meeting of
 heads of States.
 summon, vt. call together, require presence
 or au
 su'perfine, a. extremely fine in quality.
 superflu'ity (-floo-), n. superfluous amount.
 super'fluous (-floo-), a. more than enough,
 excessive; ncedless, uncalled-for.
 superhu'man abeyond normal human
 capacity; higher or greater than that of) man.
 superimpose' (-z), v.t. place on something
 dar buagharitsta annear
 A
 else.
 superintend', v. have or exercise charge or
 Ycew denee,
 or official
 direction of
 anking above
 su
 blace, upper;
 etc.; having
 aving above
 higher rank,
 ry or convent
 Superior).
 per
 iene dotank
 or savng c
 Avcrage nualie
 autherty, et
 FatherSaperior A
 Superio rit
 super lative Cor seo-)
 esof highest degree
 6xpressing highes ceg
 denoted by simte fo
 ree or form
 su
 sing all oth-
 of adj., etc.)
 uality, ete.,
 superlative
 an, n(pl permen) Sdeal superior
 ture; man of superhun an powers or
 , n. self service store selling
 sehold goods ofkinds.
 (-cher-), aaue to, manifest-
 gency above Tores of nature;
 nary operation
 cheerfulness brght intiuence
 of dark patches sometimes ob
 surface. su'stroke, illness ca
 sive exposure to heat of sun
 sunn'y, a. ht with sunlight:
 sun'dae (-da confection of ice
 fruit, nuts,
 Sun'day, n tday of wreek, obser
 Christiansday of rest and worship.
 sun'der, v.tarchatc& Poet separate.
 sun'dry, a.various, se veral. sun'dries (-iz),
 n.pl. oddments, small items.
 sung, p.p. o sing
 sunk, p.p. sink.
 sunk'en, aof eves, cheeks, etc.) lholow
 fallen in.
 unny: see sun
 up, v. (p.t. spped), take supper.
 sup-, pref.:ee sub
 super- (or
 (of); beyod besides, execeding, tonscer
 ing; of higher kind atore than tisua
 superabundant, a very ot t06 ab
 superann'uate
 Sion, esp.
 br discards fo8 old
 annua'tion, n.
 superb' (or soo-), a. of most excellent or
 impressive kind, magnificent, majestic.
 súpercil'ious, a haughtily contemptuous, dis-
 dainful, or superior.
 superfi'cial (-shl), a. of or on the surfat
 Lwithout depth. superficial'ity (-shi-), n
 cause and
 n or thing) in
 ary, a. &
 he normal numbe
 e (-z), v. t. place abo
 or on some-
 else, esp. so as to cooede. superpo'
 5able, a.
 su'perscribe, v. t. write orinsce over, at top
 of or outside something. suúpenscrip'tion, n.
 supersede, v.t take the placef; be adopted
 or accepted instead of
 superson ie, a having speed ater than that
 Of Sound.
 suners tie n(habit or bet ef based on)
 Sraonal ar of the1 hakhotn; belief in
 agic sapematural poversc. supersti-
 iousshus) a
 súperstaictore cher) n sucture resting
 on Somethingg lse as a foundation; parts of
 pref ovee abeve en to
 aboge main deck
 occtras an interruption or as
 hange süperen'tion, n.
 erintend per-
 cter of over-
 cause
 see. supervi'sion (-zhn), n. si'pervisor, n.
 supervi'sory, a.
 su'pine, a. lying face upwards; indolent,
 lethargic, inert.
 supp'er, n. meal taken at end of day, esp.
 evening meal less formal and substantial than
 dinner. supp'eriess, a.
 31

 conduct. mo'rality play, medieval moraliz-
 ing drama.
 mo'ralize, v. talk or write on moral aspect of
 things; interpret morally
 morass', n. wet swampy area, bog.
 mor'bid, a. not natural and healthy; of, indi-
 cating, disease. morbid'ity, n.
 mor'dant, a. biting, stinging; (of acids) corro-
 (French)
 monsoon', n. seasonal wind prevailing in S
 Asia; rainy season accompanying SW. mon-
 SOon
 mo
 l
 8
 m
 ional quan-
 v. to greater
 eo'ver, adv.
 me
 r
 m
 rriage, one
 woman of
 rmer station
 claim to
 У
 r
 een man
 who
 child
 m
 t
 п
 S. religious
 m
 m
 ti
 il
 m
 oon or mid-
 of goatskin
 Fig 2 rtreated
 feeble-
 m
 moron'ic,
 red.
 substance
 sen pain.
 ional dance
 and
 phipo
 um ant
 ra
 moon. mo
 moon'stond
 appearance
 dreamy.
 moor, n.
 heather-cov
 billed wate
 moors.
 moor2, v. t. a
 shore or
 place, charg
 . pl. place
 mooring.
 Moor, n. ofMu
 NW. Africa h
 moose, n. (pl e NAnank
 moot, n. (Hi ceting esp. legistative or
 judicial. a. e a guedr debtable v.
 raise (quest
 mор, п. bund
 use in clear
 wipe (as) wi
 mope, v. i. bè
 mo'ped, n. m
 moraine ni
 mo'ral, a. concemedwn character, ere, o
 with right and wrong; good, virtuous. n.
 moral teaching; (pl.) habits or conduct from
 moral point of view. mo'rally, adv.
 morale(-ahl),n. discipline and spirit pervad.
 ing army or group of people.
 mo'ralist, n. one who points out morals;
 who teaches morality. moralis'tic, a
 moral'ity, n. moral principles or rules; moa
 long signals
 g letters of
 rac o, etc.
 r aantity.
 ra cannot live
 iman being.
 ause death;
 KO
 arpabe
 mor Sel, na
 oE'tale aGmast
 oreve c
 hor'tally so as
 extremely,c
 Omortal ity, n ng Seoalfo ss of life on
 alarge scale death-re
 mor tar, n vessel n which gs, etc., are
 pounded with a pestle
 shells. e
 Sand and water used
 bricks, ejc. mortaf
 aulding tortar
 with flat squa
 mortgago
 g deal
 aceba
 un throwing
 ture of lime
 ints between
 ard on which
 college cap
 highhang
 FR d cussion
 C. ixed lo stick for
 Hopped, elean or
 with mpp
 ce of right to
 money, until
 ver by mort-
 gage, preage advatce.. BIAgee, n hol-
 der of mortgage. mortgagor jor), n. per-
 son who pledges property in mosigage.
 mor'tify, v. bring under control by discipline
 and self-control: humiliate. listress: (of
 flesh) be affected with gangrene. mortifi-
 ३2
 ca'tion, n.
 or'tise, n. hole into which end (tenon) of
 another part of framework, etc., is fitted. v. t.
stretchtarot:The Sun & Moon, Lenormand cards 31 and 32
                
            

            
            
stretchtarot:The Sun 

            
            
        

    



            

        

        
        

            

                




    Florida Man, Target, and Tattoos: FLORIDA MAN
 Medium aberration, shapeshifter, chaotic evil
 Armor Class 10
 Hit Points 85(15d10 3)
 Speed 40 ft., Swim (40ft.)
 CON
 CHA
 STR
 DEX
 INT
 WIS
 17 3) 17 (-3) 17 (-3) 1 (-5) 1 (:5) 18 (-4)
 Condition Immunities paralyzed, poisoned, grappled,
 charmed, frightened, fatigued
 Senses Tremorsense (30ft)
 Languages Common, Deep Speech
 Challenge 5 (1,800 XP)
 Chaos Incarnate. When Florida Man becomes the
 target of a spell he rolls for an effect on the Wild
 Magic table
 Modern Cryptid Florida Man may appear as any
 humanoid indefinitely and can change it's
 appearance at will. It is not incredibly hard to spot,
 however, due to the deranged look in it's eyes and
 penchant to take on odd appearance traits (such as
 face and neck tattoos, unusual hair styles, and
 extremely poor oral hygiene). The Florida Man's
 true appearance is unknown, but it will collapse
 into 3d4 small alligators upon dying
 Actions
 Multiattack Florida Man makes two attacks each
 turn if it is able.
 Eat a Face. Melee Weapon Attack: +5 to hit, reach
 5t, one target. Hit 9 (2d6 2). On a Successful
 Eat a Face attack, Flordia Man grapples the target
 Throw Something Ranged Weapon Attack: 2 to
 hit, reach 20ft, one target. Hit 15 (3d6 4)
 Florida Man will attempt to lift an unsecured object
 or person within 5ft. of it and throw it at a target. If
 a creature is thrown, they take no damage but are
 relocated. If no object or person is within reach,
 Florida Man will seperate a small aligator from its
 biomass and throw it
monsters-and-more:

dungeonmalcontent:

Now updated with a few things that make it (in my mind at least) more fitting, functional, and terrifying. 

Legends.
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Florida Man, Target, and Tattoos: FLORIDA MAN
 Medium aberration, shapeshifter, chaotic evil
 Armor Class 10
 Hit Points 85(15d10 3)
 Speed 40 ft., Swim (40ft.)
 CON
 CHA
 STR
 DEX
 INT
 WIS
 17 3) 17 (-3) 17 (-3) 1 (-5) 1 (:5) 18 (-4)
 Condition Immunities paralyzed, poisoned, grappled,
 charmed, frightened, fatigued
 Senses Tremorsense (30ft)
 Languages Common, Deep Speech
 Challenge 5 (1,800 XP)
 Chaos Incarnate. When Florida Man becomes the
 target of a spell he rolls for an effect on the Wild
 Magic table
 Modern Cryptid Florida Man may appear as any
 humanoid indefinitely and can change it's
 appearance at will. It is not incredibly hard to spot,
 however, due to the deranged look in it's eyes and
 penchant to take on odd appearance traits (such as
 face and neck tattoos, unusual hair styles, and
 extremely poor oral hygiene). The Florida Man's
 true appearance is unknown, but it will collapse
 into 3d4 small alligators upon dying
 Actions
 Multiattack Florida Man makes two attacks each
 turn if it is able.
 Eat a Face. Melee Weapon Attack: +5 to hit, reach
 5t, one target. Hit 9 (2d6 2). On a Successful
 Eat a Face attack, Flordia Man grapples the target
 Throw Something Ranged Weapon Attack: 2 to
 hit, reach 20ft, one target. Hit 15 (3d6 4)
 Florida Man will attempt to lift an unsecured object
 or person within 5ft. of it and throw it at a target. If
 a creature is thrown, they take no damage but are
 relocated. If no object or person is within reach,
 Florida Man will seperate a small aligator from its
 biomass and throw it
monsters-and-more:

dungeonmalcontent:

Now updated with a few things that make it (in my mind at least) more fitting, functional, and terrifying. 

Legends.
                
            

            
            
monsters-and-more:

dungeonmalcontent:

Now updated with a few things that make it (in my mind at least) more fitting, functional, and terri...

            
            
        

    



            

        

        
        

            

                




    Books, Children, and Community: Only start creating a lore after
 you already finished half of the
 series and keep adding stuff a
 decade after finishing it
 Steal 90% of your deep lore from
 real life history and other authors
 to fill out your world map
 Create an entire universe with a
 bloody, theological history with
 hundreds of characters and dozens
 of devastating wars, then write a
 childrens book in it
aethelflaedladyofmercia:

Ok like I think people are forgetting something very important about JKR.Namely, she did not make up this stuff after the fact. Back in the day, JKR was extremely open about the fact that there was tons of lore behind the scenes she could not address in the books. She couldn’t address it, btw, because it was a known fact in the publishing industry that young adult novels had to top out at like 250, maybe 300 pages because kids didn’t have the attention span for anything longer. And early HP was middle grade, which is the next age category down. She was only able to start addressing deeper lore halfway through the series because that’s how long it took to convince her publishers it wouldn’t scare readers away.(I distinctly remember another, long-established children’s fantasy author dedicating a book to JKR because the success of HP was the reason said author was able to negotiate an extra 100 pages into that novel.)In the mean time, she was in a ton of interviews. She was absolutely the most open author about her worldbuilding. If a fan asked her a question and the answer wasn’t a spoiler, she answered it every time. JKR was famous for this. She was worshipped for it practically. I remember on the early internet boards, when one fan had the chance to meet her in a Q&A we would all pile together and come up with as many questions as possible. Ask what year Beauxbatons was founded. Ask who the ghost of Hufflepuff is. Ask McGonagall’s age. Ask Lily’s maiden name. Were all the Marauders in Gryffindor? Which of Gilderoy Lockheart’s stories were stolen and which were flat out made up?We collected these interviews, we held them as canon, we altered our fanfic to accommodate what she revealed. And then, all of a sudden, that wasn’t what the fans wanted any more. When she finished HP, she said she was done, that she’d move on to other projects. No one wanted any of her non-HP stuff. No one cared. So she came back to build the Fantastic Beasts verse, with exactly the same policy about answering fans that we had welcomed back in the early 2000s.So, like, you don’t have to enjoy what she’s doing. The fan community has changed, and that’s fine. But JKR contributed a lot to the children’s fantasy genre and to the way fandom operated, and we should at least acknowledge that. 


    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Books, Children, and Community: Only start creating a lore after
 you already finished half of the
 series and keep adding stuff a
 decade after finishing it
 Steal 90% of your deep lore from
 real life history and other authors
 to fill out your world map
 Create an entire universe with a
 bloody, theological history with
 hundreds of characters and dozens
 of devastating wars, then write a
 childrens book in it
aethelflaedladyofmercia:

Ok like I think people are forgetting something very important about JKR.Namely, she did not make up this stuff after the fact. Back in the day, JKR was extremely open about the fact that there was tons of lore behind the scenes she could not address in the books. She couldn’t address it, btw, because it was a known fact in the publishing industry that young adult novels had to top out at like 250, maybe 300 pages because kids didn’t have the attention span for anything longer. And early HP was middle grade, which is the next age category down. She was only able to start addressing deeper lore halfway through the series because that’s how long it took to convince her publishers it wouldn’t scare readers away.(I distinctly remember another, long-established children’s fantasy author dedicating a book to JKR because the success of HP was the reason said author was able to negotiate an extra 100 pages into that novel.)In the mean time, she was in a ton of interviews. She was absolutely the most open author about her worldbuilding. If a fan asked her a question and the answer wasn’t a spoiler, she answered it every time. JKR was famous for this. She was worshipped for it practically. I remember on the early internet boards, when one fan had the chance to meet her in a Q&A we would all pile together and come up with as many questions as possible. Ask what year Beauxbatons was founded. Ask who the ghost of Hufflepuff is. Ask McGonagall’s age. Ask Lily’s maiden name. Were all the Marauders in Gryffindor? Which of Gilderoy Lockheart’s stories were stolen and which were flat out made up?We collected these interviews, we held them as canon, we altered our fanfic to accommodate what she revealed. And then, all of a sudden, that wasn’t what the fans wanted any more. When she finished HP, she said she was done, that she’d move on to other projects. No one wanted any of her non-HP stuff. No one cared. So she came back to build the Fantastic Beasts verse, with exactly the same policy about answering fans that we had welcomed back in the early 2000s.So, like, you don’t have to enjoy what she’s doing. The fan community has changed, and that’s fine. But JKR contributed a lot to the children’s fantasy genre and to the way fandom operated, and we should at least acknowledge that. 


                
            

            
            
aethelflaedladyofmercia:

Ok like I think people are forgetting something very important about JKR.Namely, she did not make up this stuff af...

            
            
        

    



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                




    Curving, Fashion, and Head: Pendulum
financialeconomicsexplainedus:
POSTED:  10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple!
After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. 
But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker!
Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  
Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000!
So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”……
And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years….
MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE!
Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account.
Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”.
CURRENT MARKET :  MY OPINION
Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc.
When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? 
I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN.
THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT….
Flash

    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Curving, Fashion, and Head: Pendulum
financialeconomicsexplainedus:
POSTED:  10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple!
After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. 
But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker!
Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  
Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000!
So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”……
And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years….
MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE!
Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account.
Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”.
CURRENT MARKET :  MY OPINION
Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc.
When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? 
I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN.
THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT….
Flash

                
            

            
            
financialeconomicsexplainedus:
POSTED:  10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - i...

            
            
        

    



            

        

        
        

            

                




    Curving, Fashion, and Head: Pendulum
financialeconomicsexplainedus:
POSTED:  10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple!
After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. 
But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker!
Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  
Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000!
So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”……
And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years….
MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE!
Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account.
Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”.
CURRENT MARKET :  MY OPINION
Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc.
When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? 
I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN.
THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT….
Flash

    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Curving, Fashion, and Head: Pendulum
financialeconomicsexplainedus:
POSTED:  10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple!
After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. 
But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker!
Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  
Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000!
So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”……
And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years….
MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE!
Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account.
Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”.
CURRENT MARKET :  MY OPINION
Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc.
When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? 
I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN.
THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT….
Flash

                
            

            
            
financialeconomicsexplainedus:
POSTED:  10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - i...

            
            
        

    



            

        

        
        

            

                




    Curving, Fashion, and Head: Pendulum
financialeconomicsexplainedus:
POSTED:  10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple!
After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. 
But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker!
Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  
Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000!
So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”……
And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years….
MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE!
Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account.
Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”.
CURRENT MARKET :  MY OPINION
Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc.
When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? 
I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN.
THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT….
Flash

    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Curving, Fashion, and Head: Pendulum
financialeconomicsexplainedus:
POSTED:  10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple!
After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:  interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)….. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. 
But Value stocks/Mutual Funds also start to rise:  A RISING TIDE LIFTS ALL BOATS - was the 90′s moniker!
Hence, the market starts to take off:  as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!  
Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:  the “average” technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years’ end)  Guess what?  The whole market crashed in April 2000!
So from that time to about mid-June 2000 - the market went nowhere!   Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).  Warren Buffet?  Look him up!  Treasuries also did extremely well - like one “Talking Head” has been quoted as saying - “There is always a Bull Market somewhere”……
And the whole process starts over again from a boom to bust cycle, about every 10 years or so……the Real Estate Market moves in a boom to bust cycle about every 7 years….
MY OPINION – stay the course with Value-oriented Investing:  it works in both up and down markets!  A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)….Exchange Traded Funds (ETF’s) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.  DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE!
Guys - the overall stock market climbs in a stair-step fashion:  up, then sideways/down and then up again!  Invest for the long term (like 30-50+ years)….YOU WILL BE A WINNER!  Be it an investment account or a retirement account or BOTH:  like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account.
Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!  Ignore the noise!  Ignore the Talking Heads”.
CURRENT MARKET :  MY OPINION
Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment …Impeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc.
When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards….Will it be “somewhat” similar to 2008… all over again? 
I have no professional opinion nor do I have a crystal ball – Maybe the FED will engineer a “SOFT” Landing”…..this time: they never did in the past when “Bubbles” Greenspan or “Helicopter Ben” Bernake were FEDERAL RESERVE CHAIRMEN.
THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT….
Flash

                
            

            
            
financialeconomicsexplainedus:
POSTED:  10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - i...