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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

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...

Tumblr, Adhd, and Blog: October is ADHD Awareness Month adhighdefinition:time to get spoopy!!! time to ‘shock’ some folks by letting them know that ADHD is in fact real and not just an urban legend!!! 
Tumblr, Adhd, and Blog: October is ADHD
 Awareness Month
adhighdefinition:time to get spoopy!!! time to ‘shock’ some folks by letting them know that ADHD is in fact real and not just an urban legend!!! 

adhighdefinition:time to get spoopy!!! time to ‘shock’ some folks by letting them know that ADHD is in fact real and not just an urban legen...