My problem is that not everyone sucks, and not all the time. Mentioned earlier in these parts that a Merry Tweaker bested me, wandered off with a solid five-figure, one comma, double-digited heist … Sigh. Learn me to give the face-tatted stranger a chance. Anyhoo, are where we are, and getting to a better place. …
Steps to getting/staying debts free
Done Deal / Deal Done
Saw a video about how the Webb telescope is just making the case for GOD as the Creator of the universe and everything in it (heh / didn’t need $10B for that) and during which a member of the panel discussed how 2023 was the hottest year on record … and went on to state …
Debt = Samara
Feels a bit like being trapped in the cycle … vortex, perhaps? … of debt, repayment, debt, repayment, ad nauseum, ad infinitum. OK, so the Elder needed work done on the house … had plenty of cash / wait. Back up. The Familial DOs currently living in the home of Elder mentioned a few issues …
Standard What? Standard Who?
With investing there is a novel little concept called “standard deviation,” and what that means makes no sense to me, so will share with you. Edelman explains it like this (see p. 234): “The standard deviation is the amount of swing in performance that an investment can be expected to have from year to year …
Money Ain’t (E)motion (Best Not Be Re Investing)
The key to success in the stock market? Go long, be boring. The wisest wisdom says to invest/buy into the stock market for the longest possible term, then stay in a little bit longer. Why? ‘Cuz while individual stocks (i.e., companies) might crash/burn, the overall value of the stock market inevitably goes up. Volatility = …
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Tax-Deferred ≠ Tax Denied
Enter: Annuities. In the most basic of the basic sense, an annuity is like an insurance policy to receive tax-deferred payments. Sounds nice, right? Yeah but OF COURSE more complicated than that. For see, to wit … Annuities are offered by insurance companies, basically two types: The real beauty of annuities is that the $$$/investment/money …
Gotta Pay $$$ to Make $$$
One crucial ingredient for the investment portfolio pie? = Mutual funds (see that investment company, ydoncha) The major beauty of mutual funds is the “set it / forget it” aspect BUT but must consider a few things …… #1 being the “annual expense ratio” or AER, the yearly fee (paid by you) to run the …
Easy Access
One friendly aspect of our highly-digitized times is that there are intro apps to the world of investing, which is actually sorta cool. Carbon dating myself a bit here but remember the commercials – “My broker is E.F. Hutton, and E.F. Hutton says …” and everyone would stop what they were doing, ‘cuz he’s about …
Hedge the Hog; or, Lay Low and Spread Wide
Foreign funds: Value of the US Dollar goes ↑?Foreign/int’l currency less valuable bc can buy less with other countries’ monies, more expensive to buy US goods because the dollar buys more. Foreign funds: Value of the US Dollar goes ↓?Foreign/int’l currency more valuable bc can buy more with other countries’ monies, less expensive to buy …
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Black Gold
A 100-year-old scientist spent the last 80 years of his life trying to create … well, life … without God, so much so that man(kind) would no longer need Him. The scientist worked and hypothesized and experimented until finally – success. He was able to replicate that initial spark of being, that trigger of existence, …