Stocks are in Wacka-Wacka Land

True, stocks are in Wacka-Wacka Land, with P/E ratios through the roof in comparison to historical norms. But with bonds, even high yield, yielding well under 5 per cent, is there really a choice for investors? Anyway, dividends on stocks often match or exceed the bond market. I have to stay in stocks, at least until bonds recover from their low interest rate disease.

Roy Moore

Alabama's Roy Moore, he's a live one, a typical specimen of hatemonger that, while professing his piety, is steeped in wickedness. To what entity, then, is his piety directed? For transitory power in this world, men estrange themselves from the other--a poor bargain, in any event.

Take Some Bufferin to Ease Your Sufferin

Those that voted for Trump now stand to lose their health insurance. Oopsy-daisy! You voted for Trump, now do what he says. Trump says you don't need health insurance, all you need is to take some Bufferin to ease your sufferin.

The Arab's Women

I read about an Arab up in New York who left his date to burn to death while he hailed a cab. With the influx of refugees in recent years, that's what we're bringing over from the Middle East, the idea that a man's minor discomfort is of greater moment than a woman's whole life. That fits in with the way the Arab culture treats women in general, beating and whipping them for minor infractions of the rigid religious laws. Women that go along with that sort of thing must have a taste for fist.

Sadistic Religion

The attraction of harsh, dogmatic, judgemental religion, like most strains of Islam, and some strains of the other religions, for some people has little to do with the spiritual. Such faith is hostile to spirituality. Instead, some people view religion as a rule-based system for sado-masochistic role-play. For them, it is fun, pleasurable, giving a new lens to their life-experience. Politically, they seek "religious liberty" to indulge in their sado-masochistic role-play. There is a considerable attraction for such people in a well-defined system to denigrate both themselves and others, to spread derision upon all and everything, and obtain pleasure through suffering and the infliction of suffering, while reserving all their devotion for a hidden entity, a Master unseen. Their actual god is Thanatos, son of Night, whose history with H. Sapiens is long and storied, but they are ignorant of the name, and suppose it is another entity, that out of respect, they dare not name. They dare not name, because the name is known, and is not conducive to trust. Ultimately, what they crave most of all and look forward to is dissolution from this world.

Trump is the President Some Americans Deserve

Trump is the President that a big segment of our fellow Americans richly deserve. The Vanity Fair article says it all. Trump reflects a big segment of our population, say around 46%: fat, lazy, old, and grasping for quick, simple, easy solutions to a complicated and changing world. People just don't want to be bothered to think about things. They want everything to be easy, across the board, quick and easy, most of all, first and foremost. But the world isn't easy, never has been and never will be. Thus, we have a President with a fundamental disconnect from reality, living in an alternative Universe of his follower's making, based on Fox News and Sean Hannity and little else. That everything they believe is false, is a thought that never occurs to them. Perhaps they deserve Trump. As for the rest for us, we have merely to survive and nurture hope for the future. Perhaps it is too early to advise teaching one's children Chinese.

Treatment of Animals is the Ultimate Moral Litmus Test

When one reads about the needless torture of lower life forms, such as pigs--a grave sin committed in an effort to maximize profit--and probably ineffective--and the alarming footnote, that this torture is now defended with all of the vast resources of our Federal Government, by directive of the Trump Administration, it is a shock indeed; and one wonders whether the moral divide between the U.S. and other countries, such as N. Korea, has diminished from a mighty chasm, to a hop, skip and a jump. Our enemy tortures humans for no good reason, for sport; we torture pigs for no good reason--and persecute those who would show any consideration at all to the animals. We are better, still, but there is a stain.

How can it be that the "Conservative Christians" that are all for Trump can turn a blind eye to the needless suffering of animals, committed out of pure callousness? The question must be posed: if their god would approve callous cruelty against animals, then what sort of god is it?

We may one day by judged, if not by God, than by an alien race, based upon how we treat other life forms on the planet, and if that day comes any time soon, then I certainly hope we are judged individually, rather than collectively.

Trump the Motivator

Trump is doing more for the Democratic Party than any of his predecessors ever did. I think, for all those Democrats, Independents and IDunnoKnow's, next time election-day rolls around, they are going to feel like voting. Thank you, Trump, for motivating the people to vote.

Emotional Support Pets

A Muslim woman was dragged off a plane merely because she mentioned she had an allergy to dogs. The pilot freaked out and ordered police to remove her by force. Turns out the dog on the plane was for so-called "Emotional Support," not because there was a blind person on board. And, by the way, seeing-eye dogs are exceptionally well-trained and well-behaved, and in all my days, I've never seen one act up. Seeing-eye dogs are better-behaved than a lot of human beings. Emotional support dogs get no training at all. You can have a toy poodle that barks its head off all day, and that's your emotional support dog that you can bring on to a plane.

Those morons that insist upon bringing animals into public spaces due, not to blindness, but to the supposed "emotional support" should be required to complete Army Basic Training as a condition of release from a psychiatric labor camp. If they fail to complete Basic training, they should stay in the labor camp to work out all of those emotional issues and help clean toilets, garbage cans and ditches in public spaces. I think, after either Army Basic Training or twenty years cleaning toilets, they may not have a need for an emotional support pet any longer. Of course, at either facility, pets would not be allowed.

Iran's Reparations

Iran should be paying the U.S. reparations for all the terrorism over the years. About a hundred billion a year, for ten years, would be about right. They have plenty of oil, they can pay. Terrorism should not be a risk-free or cost-free business. If Trump does go to war with Iran, then he should make sure the U.S. does not wind up footing the bill for the entire exercise.

With Age Should Come Dignity

As one ages, the most important thing to hold on to and nourish is one's dignity. Check out this article, about a fracas between a young, eloquent, smart, attractive college student and an old, haggardly, unemployed and, certainly by now, unemployable, ex-professor. What a way to end a career. That entire episode was undignified and an example of how not to behave. The main moral of that story is that with age should come calmness and philosophy. That is why I plan to remain sober and avoid vendettas. Better to remember the New Testament and turn the other cheek, than to make a big scene in a grocery store.

How to Live in France

If one lives in France, definitely one should travel armed and ready to slay a terrorist dead, along with any of his accomplices. France should institute nationwide defense training to educate its population on the most efficient methods of slaying terrorists, and everybody over there ought to be armed with something, be it mace, knife, or even a pistol. There shouldn't be a single woman walking in public over there without a fully loaded pistol in a holster on her hip, with additional cartridges in her purse along with a can of mace. The obvious solution to terrorism is to arm the populace, to militarize it. Terrorists treat civilians as military targets, so might as well in fact make them military, with the capability of slaying the terrorists. The only reason civilians are targeted in the first place is that terrorists are low-life, rotten cowards looking for a soft target. A good old bullet to the brain is the best cure for a terrorist, and there's no reason a civilian can't serve it up, when needed.

This is the consequence of letting in all those Muslims that hate democracy and hate the West. You have to arm everyone in society and be ready to kill in an instant. Basically, the Middle East is exporting itself, its instability, craziness and senseless violence.

Sonic Warfare on U.S. Diplomats in Cuba

I am tired of reading about the so-called "mystery" surrounding hearing loss of U.S. diplomats in Cuba. It is no mystery. It is obvious and transparent. A sonic generator was deployed. Those gadgets, anybody can buy for a hundred bucks or so. Whup-de-doo. Where's the mystery? It's not rocket science. You plug it in, hide it somewhere, and a sonic wave emanates below the range of detection by human hearing, yet quite damaging. The only tip-off the victim has is that they feel bad in a certain area of a building. There is no mystery, repeat, no mystery. As to who did it, I think that will never be known until somebody squeals. Most likely, it is North Korea or Iran, because these are the declared enemies of the United States, and these countries have a huge interest in cultivating animosity between the U.S. and Cuba. At any rate, blame Iran or North Korea, because those regions are completely worthless, full of evil-doers with no value to the world, and deserve whatever punishment gets meted out. Ultimately, who cares who is to blame? Iran and North Korea are the default scapegoats. Iran actually says "Death to America!" on a regular basis, and North Korea threatens to nuke us, so their intentions are clear.

Trump is Right about Puerto Rico

The reality is, Puerto Rico won't be around in a couple decades. It will be under the ocean. To invest money on rebuilding anything else on that doomed island is ludicrous. Hand out birth control and food, and that's it. Temporary shelters at most. Anything built will become homes for the fish of the future. All we have to look forward to is more and worse storms in that part of the world. Rebuilding New Orleans was stupid, too. I think people need to educate themselves on climate change and what exactly it means, then reconsider investing billions on the coast. Maybe billions of their retirement savings, but not of taxpayer dollars. If they want to go bankrupt flushing money into the ocean, that's their business. But it shouldn't be the taxpayer's.

As for the debt, default. Wall Street should have known better. Maybe they can recycle whatever is left on that island or sell the land to carnival ships, who can use it as a tourist destination until it disappears.

Stocks and Bonds Ain't Hard

Stocks and bonds ain't hard, at least if one chooses to use mutual funds. Stock-picking is not my game, because I feel like the system is corrupt and rigged, with inside knowledge dominating. Those "in the know" can make bundles of cash, legally or not, just like those Equifax business criminals did, knowing full well they had crucified the American consumer and that Equifax's share price would sink. Folks like me "in the dark" are marks. Unlike the business criminals, I wouldn't know about the Equifax Debacle until Equifax announced it. I don't bother with stock-picking and consider it a fool's game, because only fools trust wolves.

My advice is simple. Choose a low-cost mutual fund family like, oh, say, Vanguard. I do not know of any other. Vanguard is by no means perfect, but they are reasonably good and low-cost, allowing them to beat the performance of most mutual fund families, because let's face it, the stock market mainly moves in unison. There is not a whole lot of advantage to be had in stock-pickers, although there is a whole lot of risk to be had. That 1 or 2 per cent expense ratio on your darling mutual fund is probably being used for massage therapy and new luxury cars for the mutual fund manager, who is ultimately using a computer to pick stocks, anyway. To think you pay a guy more, and he picks better stocks, is a charming little fantasy.

With stock funds, all one needs to know are the fundamentals. One must know what a P/E ratio is, and bear in mind that in today's environment, 17 is not too shabby, but over 20, it's time to bail. One must pay attention to earnings growth. Anything in the double-digits is dandy. That implies red-hot growth. Right now, large-caps stink, but mid-caps and small-caps excel, and that's why investors are buying 'em. The smart money always looks at the fundamentals.

With bonds, one must keep in mind that bonds suck and have sucked for a very, very long time. Any interest rate under 5 per cent really is not worth the time of day. It is extremely high-risk, and there is a possibility one could encounter double-digit losses, depending on the bond fund, due to rising interest rates, defaults, or even inflation. All bonds these days are junk bonds. They are garbage. There is little to no protection against inflation, little to no protection against rising interest rates. That is why people are moving the lion's share of their money into stocks right now, because what's the alternative? There is no alternative to stocks, unless you want to stash your cash under your mattress.

I keep an eye on bonds, however, because if interest rates do recover, then bonds will become very attractive, especially in today's market, where the P/E ratios are through the roof, judged on a historical basis. Bear in mind, P/E ratios used to be in the neighborhood of 11 or 12, for about a hundred years or so. It is only in today's environment that a P/E of 17 or 18 has become "the new normal."

Uber

Uber is another loser corporation that provides crappy service using scabs working at subsistence wages, just enough to buy McDonalds for a treat on Sundays. Uber is another company run by irresponsible, childish executives and another tool to destroy the middle class. The basic model of Uber replaces moderately-waged jobs with crap jobs that have no benefits. Uber doesn't want to comply with any licenses, rules or even the basic law of the land, so good riddance if it gets the boot in Quebec and London.

The only way a spoiled, know-nothing corporate executive earns his keep is this: he figures out a way to pay the workers less for more work. Uber is no exception to the rule that pervades all industry and all commerce.

People working for Uber need to ask themselves, why did I wind up working as a temp scab for a company that pays next to nothing and will fire me just as soon as self-driving cars become a thing?

Going back to the land may be a good adaptation in today's economy, where so many manufacturing and service jobs are getting replaced by automation. Farm, as our ancestors did. At least by farming, one is assured of having enough to eat and enough land to dwell in.

The Equifax Debacle

The American people have been told, yes, Equifax had all your permanent, private, personal data: your Social Security number, birthdate, et cetera. No, you are not allowed to ever change this data. Yes, anyone can apply for a new credit card with that data, thus placing your credit history, privacy and even freedom in jeopardy. Care to play dice with your financial future? There goes your retirement, chump. All your hard work, down the toilet.

I don't recall consenting to give Equifax all my information. They invaded my privacy and then gave my information away to criminals.

Personally, if I have to go through identity theft hell at some point down the line, then it seems only right that Equifax people have to suffer, too, because that's not my cross, it's theirs. The amount of time I am willing to spend cleaning up Equifax's mess is zero. I will not lift a finger to resolve any kind of identity theft problem. Equifax makes me whole. There is no other way. If my dinner gets taken away by identity theft, then they feed me. My life is not about cleaning up after Equifax; otherwise it is no life. But if millions of people suffer identity theft, then our entire financial system is called into question.

The proper response, which would have already been taken by a benevolent dictator, is to make credit card applications much, much more difficult. Credit card, loan, or any kind of financial account application must be done in person and require a DNA sample, retina scan, or something else that is very individualized and extremely difficult to fake. That is the simple, elegant, permanent solution, not just to Equifax, but to all the other scandals that have hit our sorry, stupid, negligent and corrupt business community, driven by greed and completely unconcerned about the country.

However, none of the above is going to happen, because the Republican Congress is just as stupid as the business community. Maybe more so.

Congress has proven again and again it is incapable of acting, even in the face of overwhelming evidence that action is justified. Marijuana was proven non-toxic and harmless way back in the early 1970s, during the Nixon administration, and due to stupidity, Congress never did anything about the laws that equate pot with heroin.

So, is social collapse on the horizon? No, because the American people have a high tolerance for pain and suffering, a limited memory, and are easily distracted by social issues like bathrooms, prayer and abortion. What will happen is that millions of "nobodies" like myself will go through identity theft hell, and nothing will be done, and there will be a lot of hand-wringing but ultimately no changes, and the cycle will continue with more scandals, more data-leaks in the future, and future generations will deal with the problem as well. Because stupid rules the land.

In the end, the only hope for H. Sapiens is that genetic engineering creates a smarter species, capable of seeing through obvious lies and falsehoods. Then the electorate might become capable of electing good people into public office. Such a species might demand more accountability from the corporations that control so much of our lives. But today's people? They just roll over and take it, again and again. They focus on what's important, like Hillary Clinton's email server, or Anthony Weiner's weiner.

Dumbsday Prediction

That a Doomsday prediction of Sept. 23rd received widespread, mainstream media coverage, followed soon after by "what exactly does dotard mean?" betrays the cretinism in the American population. Cretins played their Trump card in 2016, and now Stupid rules the land. Goodbye, several trillion dollars, hello, waste and corruption. Poetic justice will be served if medical care is stripped away from the cretins that voted for Trump.

Sobriety

One reads, everywhere, that alcohol in moderation is good for you, or your heart, or your general state of mind, or your immune system, or something. A glass of wine with dinner, say, or a beer with your buddies, is supposed to enhance well-being. It helps the heart, well, they don't know how, but they think it may, due to statistics, or something.

On the one hand, we have trillions of dollars made through the global marketing of alcohol-based products. Of course, with so much money at stake, funding will be readily available to any scientist that wants to find virtue in a shot-glass.

On the other hand, we have zero dollars to be made, by the business-criminal class, from healthy, happy, high-functioning human beings.

It is clear to me where the truth lies. For the business criminal, the suffering and death of billions is of small concern, whereas their corporate stock price, and the luxuries afforded by their trade, is everything.

In the beginning, after I cut alcohol from my diet, my thinking was actually impaired, as my body chemistry took time to adjust. But after time, I see that I am stronger and in fuller possession of my powers. I sleep well, long, and deeply, awakening each morning refreshed, renewed, eager to begin the working day. My emotions are calmer, held in a tighter rein by the higher reason, which is of vast benefit. Money that was spent on expensive piss instead remains in my pocket. In addition, I lose weight.

There is a pleasure to be had from alcohol, but many paths lead to pleasure, and alcohol is neither the best nor the only way.

The trouble with a glass of wine at dinner is this. Those with ambition want more. If one glass is good, two must be better, after all.

Dyslexia of Spirits

"Many threes," "four at the end," and a "a three-long sequence," showed in a found crystal. But the drawing had, instead, many fives, a four at the beginning rather than the end, and, yes, a three-long sequence, not of thirties, but of fifties. The failure, rather than being worthless, hints at accuracy tinged by dyslexia. Observe that the Arabic Three, with a single line transposed, resembles the Five, an effect most pronounced on old-fashioned calculators. And looked at from a mirror, or upside down, it is not obvious whether a number is at the beginning or end. Therefore, a better strategy is to choose not just the revealed number, but possible interpretations of it, given the risk of transposition.