Saturday, September 29, 2018

Friday, September 28, 2018

BeCos(play) It's Friday

 More not safe for the unfamiliar below the break, and as always bonus nerd points for recognizing characters.

Wednesday, September 26, 2018

Thursday, September 20, 2018

Thursday Wifus with Rifus

 More not safe for fan service below the break.

Cloud Cover

My $0.02 on the SCOTUS confirmation dirty pool is that the primary purpose isn't to derail the nomination (they'd love to manage that if it happened anyway though), the primary purpose is to muddy the waters enough for the Democrats in states that Trump won handily to "reasonably" and "principally" vote NO so that their base doesn't abandon them come the election.

Wednesday, September 19, 2018

Friday, September 14, 2018

Well Played Church Lady

Seen on a sticker on the back of a car in a local parking lot: Do you follow Jesus this closely?

BeCos(play) It's Friday

 More not safe for BFF hot-springs visits below the break, and as always bonus nerd points if you recognize characters.

Scotch Nature: Ant Time Grasshopper!

Given the generally strong economic news and the boost both standard deduction and refundable tax credits, people are starting to more likely see a little money left over at the end of the month. The natural human reaction magnified by out current culture is to go spend that and more. I would like to point out some older wisdom of what to do in good times.

If you really struggled to make it through recent hard times and wished you'd been able to go back and do things differently now is that chance. So here are a few thoughts:

  • Get rid of some bills- Now's the time to get out of as many debt traps as possible. Start with any short term borrowing that you're doing. Then any consumer debt. If things take a turn for the bad wouldn't it be easier to manage if you didn't have as many bills coming in demanding upon your scant resources?
  • Emergency fund- One thought that's occurred to me is there are probably multiple reasons to set up your emergency fund in a different bank than the one that you use for day to day expenses. For starters it's too damn easy to tap it, if transfers are only a click of the mouse away. Secondly there's still the threat of bank failures in another downturn, so diversifying your bank accounts might not be a poor choice. 
  • Preventative maintenance- How many years has it been since you've had an HVAC service on your house's heating/cooling? Is your main means of getting to work past due for a transmission service? Are you current on your preventative medicine screenings? Now would be the time to catch up any of these you are putting off. If you don't, they wont come up now they'll wait to get expensive till the worst possible time.
  • Skills- Did you have trouble making enough or even finding employment durning the last down turn? Now would be the time to improve what you can offer to a potential employer. Not only can you seek or demand better when times are good, but you're more valuable or employable when they aren't.
Whatever you do with these better times I implore you to make it lasting, you wont think kindly of yourself for going out to dinner an extra time a week if /when things are tighter.

These are just a few thoughts for the moment, and as always if you are only getting your financial advice here and aren't also seeking qualified professional advice than it's on your own head.

Saturday, September 8, 2018

Random Hotness

 More attempts to weed the field/folder of uncategorized pictures lest they overgrow everything below the break.

Friday, September 7, 2018

BeCos(play) It's Friday

 More not safe to costume in a cinematic universe below the break, and as always bonus nerd points for recognizing characters.

Thursday, September 6, 2018

Wednesday, September 5, 2018

My $0.02 on the Whole Nike Thing.

To start with, they're free to say this. People are free to associate with them or not.

There was a pretty good write-up that so many of these established brands are deciding that no matter what they do the era of broad brand appeal is over. They think they need to seize a fanatical loyalty of a smaller group, hence controversial crap like this that will piss off many people but will be popular with a small segment. I personally think they're surrendering their market share without a fight and too soon at that, but again they're free to reap the rewards or consequences of their action.

Now I am of the opinion of all this football controversy that libertarians are missing an opportunity (what else is new) to point out to people offended that these stadiums are a large example of cronyism  and that sow some seeds of limited government is fertile ground.

Now since I can't pass up some mockery of this stupidity here are a couple of my favorites.

Edit: Proof also has a good original one.

Seeing Red

 More not safe to make eye contact with below the break.