D&J RailRoad
Professor of HO
My grandson got something similar to that because of his extensive credit management. He's never had a credit card or a loan, but he's qualified for the sales pitch.
Running Bear's June 2022 Coffee Shop
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logandsawman
Well-Known Member
Guy - quite possible the sidewalk reconstruction is part of the pavement package. They usually get the curb and gutter in then do the new blacktop so they can match up the pavement. At least, that is how they do it in Minnesota.
santafewillie
Same Ol' Buzzard
I guess that we are both at the top of the heap. I got the same envelope a couple of days ago. Must be because I am a lot closer to the home office.Humorous marketing Department: Received a large envelope in the mail today, that contained three 14"x17"sheets of bright white paper,printed in very large typeface, from a Financial Advisory Firm that advertises nationally, congratulating me on my success and for being at the top of the heap wealth wise......Proceeded to offer me a Free book of retirement tips, and another Free publication, if I was to call their toll-free number, and have a Free consultation with one of their representatives...(Broker salesperson)...with no obligation....
Yeah, right! Like if I'm so freakin wealthy, why do I need Free stuff? Business must be bad, for a supposedly "reputable" company to resort to such bull crap fishin. According to my current Financial Advisor, YTD, my self directed investment account is out performing the S&P. (Of course, that ain't saying much, considering how poorly the S&P and the Broader Market are performing at present, but I have no doubt, my picks are performing better than some of the proprietory products offered by various brokerage houses.
JeffH
Well-Known Member
Yep!
Around here, if you CCW into a building that has a gun-free sign, it's only a minor misdemeanor, and that's if you refuse to leave once they figure it out. At least that's the way it used to be, but a new law just passed here in Ohio, so that may not be the case anymore.
Edit to add that certain building are absolutely off limits, like Airport Terminals, Government Buildings, Schools... Those could get you into trouble.
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chadbag
Well-Known Member
I think it is the same around here, basically trespassing, but non security sensitive government buildings can't forbid it (state sponsored universities etc).
TLOC
Well-Known Member
Good morning. It's Friday, and our shopping is finished before the usual crowd was there. 84°, and sunny, going to 92°. Cooler tomorrow.
Digital over the air TV has been goofy of late. Two nights ago, I got all kinds of stations, clearly...last two nights, even some of the NYC stations were not coming in.
Humorous marketing Department: Received a large envelope in the mail today, that contained three 14"x17"sheets of bright white paper,printed in very large typeface, from a Financial Advisory Firm that advertises nationally, congratulating me on my success and for being at the top of the heap wealth wise...
Yeah, right! Like if I'm so freakin wealthy, why do I need Free stuff? Business must be bad, for a supposedly "reputable" company to resort to such bull crap fishin. According to my current Financial Advisor, YTD, my self directed investment account is out performing the S&P. (Of course, that ain't saying much, considering how poorly the S&P and the Broader Market are performing at present, but I have no doubt, my picks are performing better than some of the proprietory products offered by various brokerage houses.
I think, what bothers me the most, is the notion, that all retired people are stupid or gullible. Marketing that is condescending really annoys me.
Have a nice day!
I don’t think seniors are naive, stupid or gullible. We have been conditioned that things are fine. I think and truly believe the financial brokers and folks know that with an upcoming recession they need all the sales they can get right now. Between the Covid rental crisis and my belief in the upcoming recession, those are the 2 main main reasons why we sold our Property Management business (apartment rentals). They the brokers are going to be hurting the next few years. I have preached for years but finally some have listened to me. The STOCK MARKET IS NOT THE ECONOMY. It is a casino for the wealthy. It is why other then my 401k and longtime investments at Berkshire that Terry handles our investments and reviews them a lot. She makes many moves financially every week.
You have the huckster getting sued (again) for Cryto fraud because what he says about Cryto moves that sham of a market (his way). His Twitter move should land him in jail as it would you or me if we had done what he has done to move the stock prices.
I trust but should not Warren Buffet and have since 1991. When he passes Terry will yank any investments we have left at Berkshire.
I believe in real estate and having no debt or very minimal debt. I have a decent friend who is a investment banker semi retired. While he is closer to my brother as a friend he qualifies as he will be there if you personally need help and him. He is starting a new Wisconsin only investment fund. BUT he wants my money and will take your money but is not going to put his own money in. When I asked why he says if he invests and things crash people will say he was doing it for himself. He says by not putting in his own money the perception is he is working for his investment group. His words, perception!
You want conspiracy. Tell me why Bill Gates while not the USA’s largest land owner is the largest farm land owner. Why unlike Warren do we not hear of Bill Gates, Larry Ellison, Mike Dell and many other billionaires investments. Because they invest in what is called Family Investment Trusts and they don’t have the reporting mechanisms that public investment groups do. You and I buy a stock, the world can find that out.
The economy has been crap for years. Past administrations but especially the last one pushed that we are fine, look at the Stock Market. We are not fine and while I sometimes think we should have a can of money buried in the back yard we don’t. It was frightenlying honest but very scary when Yellen said a couple weeks ago she screwed up. She didn’t see it coming. But what is worst, she doesn’t know how to get out out of this mess.
Handing out more “free” money is not the answer and while a lovely abused idea it moved us quicker to impending doom. You want to help. Find your kids job training not bloated overpriced college. I know, I have a MBA as does my daughter. Get out of debt. Spend only what you need to. Worry about you and your family first and then the folks next door but then help them too.
Smudge617
Well-Known Member
Just imagine if you could load your favourite locomotive sound into you car, scare the pants off people.
TLOC
Well-Known Member
Every school in Wisconsin is considered a gun free zone. Churches determine their own
TLOC
Well-Known Member
We sold some patio furniture online prior to Covid. Guy in a pickup and his wife came up the driveway and while I was standing there blew his horn. Had a Nathan5 chime off a scrap diesel mounted to a bar behind the cab roof of his trucjk and a compressor to power it in the bed. I about died, his wife was apologetic but he just laughedJust imagine if you could load your favourite locomotive sound into you car, scare the pants off people.
I am looking at the Stock Market! Seems to me that all through the Obama and Trump years that it was making new highs along with the unemployment rate going down each month consistency.
I hope you are referring to the present admin?
Boris
Beach Bum
Can not dispute any of your points, I agree with most of them. I was disappointed in Yellen, because she was taking the hit to cover Brandon, I expected more from him... Crypto's crash is long over due. Wonder how long it will take for heads to roll. Bernie Madoff went to Jail for a lot less.
Economy has been crap since the end of the W era, brought on by High Oil Prices...Big boys benefited by cutting jobs, freezing wages, and sending manufacturing off shore. Government is clueless and does nothing but pander to the supporters of the regime in power at any given time. Knee jerk Tariffs, didn't make us greater or bring jobs back, just caused higher consumer prices....long before the media rediscovered the I word. Covid, showed the masses just how much we depended on off shore manufacturing, and how vulnerable we were because of it. Big Boys, just cut orders and raised prices. We got stimulus, and more higher prices....Now we are figuring out we are in a permanent state of recession, while the big boys pull money out of bonds, to force rates up, bail on stocks and pour their money into Oil Futures to jack up Oil Prices Wash, rinse, repeat...
When Yellen was on the Fed, she was doing the right thing, she was fired and replaced by Powell, because new boss wanted free money for the banks, and for the fed to take the banks mistakes off their hands. Times change, Powell claims to buy into the New Monetary Theory, and sits on his hands until he is reconfirmed before taking action...opps...too late... Wash, Rinse, Repeat...
troyphoto
Snarky Old Fart (in training)
Shhhhhhhhh!
That topic is full of those TICS.
How about if we discuss which Locomotive was the best one ever produced?
That will bring a host of answers IMHO!
Off hand, I would say the SD-40-2!
TROY - That is a nightmare that you sailed through!
PNKFLOYD
Mikey
If it is a pain in the butt, it is something other than Covid!
Sorry, I couldn't resist the smarta$$ remark.
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TLOC
Well-Known Member
All present and previous administrations.
The stock market is NOT an indictator of a good economy.
Fulltime jobs hopefully with benefits are the true indicator of a healthy economy.
Remember about job seekers. Once their unemployment payments are over those folks are no longer counted as unemployed. They disappeared. Part time jobs are not livable wage jobs. But, they are counted as job starts. Doesn’t matter the administration as they all have said look at the stock market.
Look at Boeing, for years stocks went up but plane orders didn’t. So how does that happen? Cutting costs and employees, benefits or both. They did both and also moved HQ to Chicago for big tax benefits and are going to be moving it again. Lots of savings when you cut employees, taxes and benefits.
Financial accountants can make numbers sing and when the song is good the stock price rises. That’s one of the reasons corporations are constantly lobbying for tax cuts. More profits mean better stock prices which benefit the stock holders only. There is nothing wrong with that but it leaves the impression, all is good.
Look at the huckster’s electric auto company. Didn’t make money for years and then boom stock prices rise and he’s the wealthiest in the world. So wealthy he was afraid to buy Twitter out of his own money. He’s stock rich not cash rich. If the Chinese government hadn’t bailed out his factory financing in China his company would have folded years ago. He played many a game with investors that years ago would have put him in jail, IMO.
D&J RailRoad
Professor of HO
Some folks know how to play the game of money. Others don't and end up living in their children's basement.
kbkchooch
"retired" conductor
I would have to agree Sherril. The amount produced, the longevity of the design and the reliability of the species is 2nd to none.
Many of its contemporaries are falling to the scrappers torch, SD40-2s just turn into Dash 3s!
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