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#but considering this has 80 frames i am not willing to go back and fix it asdjkjkdkf
dissonantharmony · 4 years
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hey don’t you know it’s rude to spy on a guy’s date with his ghost boyfriend
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aniseandspearmint · 5 years
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I finally got a hold of a cord with the right end for my camera!
Okay recap for people new to my own personal drama! We had to move because the property we rent was sold, and the new owner doesn’t want renters.
It took months of calling and many many panic attacks, and several people trying to scam us, but I FINALLY found a place.
(I’m going to stick a cut here, because I don’t want a repeat of the last post where I forgot and it got LONG. Anyone who wants to know more, and see slightly awful pictures, they’re under the cut)
I take care of my elderly mother. That is ALL I do because she needs constant help and the nursing homes in Georgia are Dickensian nightmares unless you are rich and can afford an upgrade.
I get no help from the county for this, because they decided to shut that program down a while back, so we live on mom’s 771 dollars a month. (This will hopefully change now, since this place we’ve gotten is in a much larger county and I’ve heard from acquaintances in the area that they have some programs we might qualify for.) This income is NOT conductive to finding even a crappy trailer we quickly found out. If I never hear “You need to make three times the rent to qualify for this trailer.” or, “We require a nonrefundable 80-100 dollar background/credit check before we even CONSIDER you.” or, “Pet deposit is 200 dollars per pet.” EVER again it will be too soon.
It took us a long time to save up enough money for a deposit and the place we managed to find is,,,, Eh, not as bad as some of the places we looked at to be honest. It’s not great, and it’s smaller than the place we live in now by a bit which means a bunch of our things are going to have to live under a tarp in the back yard for a while while we sort through things and such, but it’s doable!
Mom is,,, Not thrilled. She burst into tears when I showed her the pictures and has been in a depressive slump since, even though I was quick to point out that most of the problems are fixable! The roof doesn’t leak! The walls and windows have no holes in them! We can keep all of our dogs!
As imperfect and in need of repair as the place is, it is FAR better than some of the other places we were considering. There are two big issues that I’m going to have to handle as soon as I can though.
The first is the carpeting.
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It’s all this green semi-shag that’s going to be hell for my mother’s wheelchair to move over. It needs to go ASAP. I’m talking to some folks about vinyl sheet flooring (we’ve had less than stellar experiences with vinyl tile) and I hope to find some for a reasonable price.
Second is the walls. You can see /some/ of the problem in the above pic but here’s another
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This house is an old row house, and at some point, the owner boarded up, then plastered over, a pair of windows on either side of the living room and put in a single window by the door. The frames of all the other windows are rough too.
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^^^ That window. As you can see clearly, the cover up was not the best. And it’s not very visible in the pics, but the walls were done in that weird pebbly popcorn/cottage cheese stuff that’s normally done on ceilings. (The wall color, bad patch, and texture combo kinda makes me sick? Yay for autistic sensory bullshit, I guess -__-;;;) I have a line on some paint. But I am going to need SO MUCH spackle. So Much.
This is the bathroom, which has my very VERY claustrophobic mother extra depressed.
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It’s hard to tell with the angle, but that is the entire bathroom. There is juuust enough room in front of the bathtub to walk one foot in front of the other. There is absolutely no way mom could get her walker in there. We do have someone who’s going to try and give us a shower stall to put in instead though! So that is fixable, just not right away.
If anyone is willing to help out, I’ve got an Amazon List and a Walmart Registry full of some things to fix the house up with, and some basic necessities (if I don’t have to buy those, I can afford more spackle and paint and flooring). Lots of cleaning supplies because this place is /grubby/. I also put some plastic floor mats on both lists (the ones at Walmart are MUCH cheaper fyi) in case I can’t remove the carpeting right away. Those would let mom get around.
AMAZON LIST
WALMART LIST
Also, I mentioned mom is really depressed about all this? Yeah, it got worse. She cut off most of her hair a couple days ago. I’m really worried. I stuck some frivolous things on the Amazon list. Some of her favorite movies that she doesn’t have on DVD yet, a few TV seasons she doesn’t have, and a couple books she’s had over on one of her amazon lists for a while. If anyone would be willing to grab one I’d be very grateful. It’s probably silly to ask, but her birthday is next month and she’s just so upset about things, I’m hoping SOMETHING will cheer her up a bit.
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le-koko-butter-blog · 7 years
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BBC Sherlock Tinhatting Masterpost
I can’t believe I’m John Watson-ing this shit--that or Andersoning it. The reason I will stick to the former is because of all the emotional damage The Final Problem has done to me but mostly to the LGBT+ audience of the show. Regardless of whether there is a 4th episode or not, they hurt many people deeply. Some of you other fans who are curiously strolling through the sherlock tag or even the johnlock tag are baffled by the depth in which this episode upset people. Many of you are suggesting that people are overreacting. Although I plan to address this later, at the moment, I would like to say, please try to have a little empathy before resorting to condescension. Try to see WHY in the first place it mattered to them instead of assuming that in no way whatsoever can a tv show possibly mean that much. With that being said, I’m going to make a list of all the evidence suggesting some sort of trick—or rather plan. I can’t believe I’m about to kick my own goddamn balls and go through with this. Believe me, I’m generally rather rational.
 Something comforting about the number 3. First off, when this line was said, it was hilarious. I honestly believed for a second that Sherlock shoved a recording device up his bootyhole. John’s disappointment only added to this. It made more logical sense than the off chance that John would leave his cane. At any rate, many were theorizing what this line means. Naturally, it caused people to think that there was possibly a 4th Holmes. Even then, many thought this suggested a 4th episode. The reason why this line is important is not only the amount of screen time it was given, but the cadence in which it was delivered. No one who was actively sitting there missed this. In place of this line, Sherlock could easily have said something more pertinent to the point of the episode, Sherlock’s aim to get John back in action (not my words. Lame explanation really for it was actually about). In prior episodes such as TAB, John is always neglected as a player by the villains. His importance is never considered. Sherlock could have said instead: “Oh but Mr. Smith, you’re forgetting the one thing that really matters, the true feature of interest, the irreplaceable Dr. Watson.” Maybe that’s a bit too cheesy and something better would do but something along those lines would make more sense in regards to the cane and would add scaffolding to the theme of John’s importance.·         
Plot holes. Alright. Much has been written about the hilarity of the plot holes. There are so many, so big and so frequent the entire Spanish Armada could have sailed through them unscathed which is certainly more than what can be said of Moffat’s and Gattiss’ reputation after TFP. The plot holes are so glaring that it defies logic that not one single person  on set could not have mentioned this. It’s almost as if they were deliberate. 1 or 2 is an accident. 5 is just a regular ol’ network tv show on FOX. But 80? I’m not even being hyperbolic. There might actually be at least 80 plot holes. I’m going to point out the chain one because it would need a special set up. Now as I write this I’ve only ever seen TFP once, mostly because I can’t bring my brain to consume it so soon afterwards in fear of cerebral hemorrhaging. From what I recall, we are given a close up of John’s chained foot. First off, this would suggest that at one point, the well was drained and a chain somehow installed…but never mind that. To film it, the camera would have to be dangerously close to the water if not somewhat submerged. This probably happened in another room, set up to look like the well and if that’s the case, more work would be involved. The amount of work only to have the rope thrown down there makes no sense. Even a goddamn idiot would have remembered that. It would have taken effort. It would have been hard. At least harder than not doing it. I mean as the audience, we’re not expecting a 45 year old Dr. Watson to scale the curved walls of a slick well. Maybe the Chinese ninja guy from the blind banker but still.·         
Parody of itself. After the episode I was hurt. I was angry. And I was lashing out. I stepped back and listened to myself. Everything I was saying was exactly the things the prior episodes of Sherlock could be accused of by those, to say it not so politely, more boring viewers. Remember the Bond critic, the one Gattiss wrote a poem to rebuff? To give an example, there was too much improbable action: the stealing of the fishing boat, the taking over of the asylum, the transplanting from one location to another in an unreasonable time frame, the surviving the blast. Sherlock is too athletic, too badass. Certainly, Sherlock in the previous episodes can be accused of this. Sherlock can win in a sword fight like in the one in TBB as well as do calculus in his head? Please. But as fans, we understood that this was part of the fun. Sherlock Holmes has always been a super hero, he might even have been the first ever. His level of intellect is his super power. It’s mere existence is unlikely. But that is storytelling. If we wanted reality, we would watch Forensic Files (I love that show btw but all the more reason to contrast it). In addition, the disguises were downright stupid. Funny. But stupid. Mycroft looked like an evil child eating fisherman and Sherlock, dainty, dandy little Sherlock with the Renaissance curls hulked down a corridor doing an impressive impression of Frankenstein’s monster all the while mimicking an awful Scottish (?) accent. The only time we are given an actual disguise (my memory may be off) on the part of Sherlock was the French waiter. But when they did that in TEH, it was cute and playful. This was random, weird, and confusing. But then again, I can only imagine how someone who is inclined to be defensive of their own intellect and willing to dislike Sherlock because of it, would lap up that scene and mock the show for it despite it’s charm and humor.·         
The Reichenbach Fall. I’ve alluded to this in another post and in some of the evidence for the above points and in no way am I the originator of this idea. But The Reichenbach Fall is perfect allusion to what Gattiss and Moffat are doing to their show. The sincere fans are terribly hurt. But the critics. Don’t think for a moment the critics are enjoying themselves. For years some viewers of the show must have resented BBC Sherlock because of it’s almost condescending cleverness. It presents it’s hero and it’s plot as being so much smarter than everyone else. In TRF Sherlock warns John about this. I may be wrong but he says this outside of the reporter’s house when met with Moriarty’s actor disguise. People want Sherlock to be a fake. They don’t want to think that someone can be so much smarter than them. They are more than willing to believe in his downfall. Now, if I am right about this and the aluminum isn’t fucking with my brain as this horned hat sits on my head, this stunt would take massive guts. Hell, it might even make television history. (how can they possibly pull this off?) I have seen in many posts people commenting on the interviews Mofftiss and the other showrunners have done. One of them says that it’s almost as if they never knew them. Hell, maybe they are dicks. But it’s like character assassination nevertheless, especially after that disgusting one about Molly. No one can be that thick. Well, unless you’re Donald Trump. How is this consistent with the same people who wrote that beautiful speech Sherlock gave at John’s wedding? How? Now, I’m not sure where we, the tinhatters stand as either John Watson or Anderson (What the fuck is his first name?) We’re standing at the proverbial grave site of this amazing show, asking it the most ludicrous question. Please don’t be dead. Just don’t. Don’t be like this. Come back, give us more. Fix this. We’re sitting there chugging coffee and devouring a 2 pound bag sour patch kids on 4 hours of sleep writing mad theories on the internet, tweeked out and heartbroken. Maybe the healthy thing would to go out and marry an assassin who we thought all along was a cat loving nurse. Maybe there are some Lestrades out there. The blessed normal ones who are just hurt. But to my defense, the theories presented in The Empty Hearse, especially in it’s first sequence is tame by comparison to anything that happened in The Final Problem. I’m not being dramatic when I say that. Those who liked the episode, please just for a moment think about what you are told to believe to have happened in TFP and ask even in the Sherlock universe, is this possible?·         
Literary allusions. I cannot be credited with any of these. But they certainly are not random. Musgrave , Oscar Wilde and the Importance of Being Ernest, and Arthur Conan Doyle’s The Final Problem . These aren’t random. They are deliberate.·      
The Projector, the Clue at the Beginning of Season 4 and the Nature of the Detective Story. Link. Alright. Now, I’m not particularly a fan of detective fiction. I do like some. When I was younger, I was much like Hermione Granger and I liked to solve the puzzles myself, thinking how I am oh so clever. I was insufferable but to on to the point; the set up of a detective story is generally that a mystery must be solved (murder usually), am I wrong? A good detective writer does not only create tension and drama and stakes (if you want, you can credit TFP with having these things. I think that’s awfully generous of you if you do though). A good detective writer leaves enough clues for the reader/viewer to be able to solve the puzzle on their own if they are really clever. If they are not but still get a tickle out of it, they would have much the same reaction as the guy with the Japanese tattoo in T6T. Oh its so simple when you put it that way! Oh of course! Now BBC Sherlock isn’t perfect. They aren’t Agatha Christie or anything but it’s never too far off. I’m sure some of you were able to solve the cases on your own or at least see how it’s possible when you rewatch. Some things that they fail to give us closeups of aren’t fair. But I’ll get off it. What I am trying to say is. TFP was NOT A DETECTIVE STORY. It was a thriller/horror? There was no possible way we could have solved any of it. Not at all. Now some of you may point to the song. In my defense, which is an easy one I might add, is that for one, we are not allowed to actually hear the song in its entirety and even if we were, the gravestones ARE NOT A VIABLE OPTION. I repeat. THEY ARE NOT A VIABLE OPTION. Why Ms. Koko Butter? Because the gravestones are noted to be strange. There was something wrong about them to begin with. It was this weirdness which supposedly alerts Sherlock. But why should they be weird? TFP says that the dates aren’t historically possible (which can be said about the events of the episode). The gravestones exist before the murder of Redbeard. Now why on earth would a historically inaccurate graveyard exist anyway? Are we to assume that the Holmes are just freaks and be done with it? Sorry, not buying that. Especially since so many of Sherlock’s deductions in prior episodes are supported by the probability of human behavior consistent along the lines of what is considered a normal sequence of action. Now, the other option is that the little girl put them there herself. I’m sorry. Even if she were one of those creepy baby geniuses in Twilight, she could not physically have done it without alerting her parents. Certainly Mycroft who is older and smarter than Sherlock would have known about this. Are you to tell me that he wouldn’t act on it? Loyalty to Eurus does not matter since he betrays her. Are you telling me that through some line of reasoning, he wouldn’t do the thing that is the most obvious thing in the world to anyone which is check the well. And if he did, he wouldn’t be decent enough to remove the poor child’s remains and give them to his family? Alright, I’m digressing. What I am saying is, this song, like all the other puzzles presented to Sherlock in TFP are more along the lines of SAW than a detective story. But we know that Sherlock the show, is in some ways, still a detective show that has actual cases the viewers can solve. In this line of reasoning with my tin hat on, I present TFP as evidence. Many great detective stories start immediately with a HUGE clue. In the episode dealing with Magnussen he LITERALLY says what his vaults really are. Within a few minutes in, surrounded by the heads of the British government, he says to them that he has a good memory. BAM. There it is. The clue. The vaults are his mind palace. Kinda lame but I’m cool. Still love it. We’re still golden. Season 4 starts off with the doctoring of footage. It’s weird too because Sherlock is prancing around, high on life. Why? WHY?! This is unlike him even if we think we consider that he is happy to be back in England (if I didn’t know any better I would think John had just kissed him and all that oxytocin was pumping him with a natural high and making him sing out like character in musical I’m glad to be alive~). The link above shows the projector clue. But if this really is a detective story, then this is the first and most important moment in solving the case. Doctored footage. Now, this isn’t new. Many of you have suggested this. But along the lines of genre, this is crucial. TFP plays with genre as well. It’s starts with a movie. It’s horror at first littered with a bunch of typical horror movie tropes, bleeding eyes and killer clowns. Then it’s some shitey action flick, a comedy, and then a buddy cop? A fucking buddy cop. The even have a name for it. The Baker Street Boys. Good god. The buddy cop is a genre popular in the 80s just like that awful freeze frame at the end. But then again, isn’t that what everyone already thinks about BBC Sherlock? All of those horrible things. A buddy cup with too much action and pseudo intellectual characters?·        
I know who you really are. Ok, now crucify me with sentiment. I’ve never been above it. But the whole reason I got on this tinhatting business wasn’t even that it logically made sense. The world is a disappointing cesspool at times (i.e.Trump, i.e. callousness to refugees). I’ve lost a lot of hope as I’ve gotten older. It’s easier to just be like FUCK YOU MOFFTISS. Don’t get me wrong. I’ve done that and I’ll continue to do that. But what sparked this whole thing was a gifset of the hug in TLD. Now, what the fuck? How can the same people who made that, make TFP? It doesn’t make sense. It reminds me of this story I heard once about this young man who faked finding old Shakespeare letters and eventually a play just to impress his dad. I’m not saying BBC Sherlock is Shakespeare but what I’m getting at was the kid was discovered because this supposed play of his was nothing like actual Shakespeare. It was too shitty. People believed it at first because the paper quality was true to the time but the actual work itself was so far off from what we knew to be his style, that it was literally impossible. Of course, Mofftiss wrote that monstrosity but it is no way approached in the same way as the previous episodes were. It was meant to be different. It is glaringly different. There is no way TFP exists alongside in reality with Watson’s and Sherlock’s beautifully crafted and heartbreaking performance. Think about it. Every line means something. It does. If you provoke me on this, I will write a 20 page fucking play by play of each goddamn line and each blocking choice. I WILL. Don’t threaten me.·         
Johnlock. Ahhhh the elephant in the fucking room. If you’re still reading this. I’m sorry. I’m a caffeinated ranter. Forgive me. Now, this isn’t about shipping. I hate that word and I hate the culture associated with it. I have never and will never ship something that is not textually supported. A romantic implication was obvious in the very first episode. Here is my example:  Hudson, Donovan, the waiter and probably some other people ALL ASSUME THAT JOHN IS HIS BOYFRIEND. Why? Just because the fucker is with him? What? Would you think that? This only makes sense if everyone already assumes Sherlock is gay. Even at the dinner scene, which is so intimate and romantically awkward I can hardly watch it, Sherlock denies an interest in women but does not deny an interest in men. The way that was written, performed, and filmed are all indicators of a relationship. I remember watching it the first time years ago and turning to my dad and us smiling at one another like OMFG HOW ADORBZ. (It goes without saying my dad wasn’t a homophobe). It was made that way to plant the idea in our head. Because why? That’s what tv/movie romances do. If this isn’t plain to you, please rewatch. Now why is Johnlock so important? First off, the story is about their relationship. Don’t agree? Then what is the major arc? The humanizing of Sherlock Holmes. Who humanizes Sherlock? John Watson. Can you be sure of that? Yes, because the show begins with their meeting. So obviously, their meeting is the initiator. Why does it have to be romantic? Because it’s written that way. I don’t have enough energy to go through this but if you are still incredulous, I can send you links from people who have already written it down. Now, stories have to complete their arc. This is why they often become predictable after awhile. We call them tropes or archetypes. But stories do not mimic reality, they bring out the perceived truth of the human condition. It’s the license in poetry, the climax in a narrative, the soliloquy in the play. If they do not, we feel it on a deep instinctual level, the way we can sense that the math is off in the musical progression of notes. It is the difference between hearing a symphony and hearing noise. It’s inherent. TFP is jarring. Jarring because it does not complete the arc of its textual themes, for example, the romantic entanglement line, highlighted by the plot hole of the missing letter and the overdue confession on the tarmac. We’re waiting for it the way we all know in that crappy romcom that they’ll miss their plane, run back in the rain, and say in so many contrived words, YOU COMPLETE ME. And we love it. Don’t lie. You love it. We should have gotten it but we didn’t. That is the heart of the queerbait. Because we were baited by these notes, the themes in the story and instead of a a crescendo, we are left with a cacophony of car horns. The advertisements leave no room for doubt. Sherlock is in love? With Who? Who else would it be? Honestly? Motherfucker was dead on the slab and LITERALLY RESTARTED HIS HEART FOR JOHN WATSON. That’s not even reading into it. It literally happened. Just like that. Irene was mentioned. Mycroft was mentioned. Molly was the eventual TFP the trick. Only John’s name invokes such a reaction. Friendship does not do this. Please leave me alone with that argument but I seriously doubt that is even scientifically possible. Oxytocin which is produced during sex and childbirth creates insane fucking bonds. Mothers are known to defy logic in their will to protect their baby. Sex produces a similar effect. Correct me if I’m wrong but Sherlock’s actions suggest that he is IN LOVE (romantically and sexually) with John. Any other interpretations borders on madness or serious nonchalance.·         
TFP cheap production. Where did all the money go? My fingers hurt. I can’t type anymore. But really. Where did all the money go? It was so cheap. It was like the same room painted in different colors. 
Now this is longer than I intended. I’m adding more links to other posts. Please add if you have more evidence. Before I sat down, I had a lot. I feel like I have forgotten to include some. I may add more later. Now, I am prepared to accept the result that Mofftiss just sucks major balls and if they do, they deserve all the accusations of queer baiting and ought to be ridiculed for their smugness. But my brain keeps telling me otherwise.       
Let me know if the links are weird or confusing or if there are any errors. I usually just reblog things on this blue hell of a site.
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LINK 2
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Onward once more into the breach my friends....something fucky this way comes.
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sunshineweb · 4 years
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Who Wants a 20% Annual Risk-Free Return?
Here are the best things I read and thought about today –
Matt Levine writes on Bloomberg that gambling is not a retirement plan. He writes about a few people – common people like you and me, including a few 60-80 year old – who bought leveraged exchange-traded notes (ETN – complex financial instruments that use debt to amplify returns, which also increases risk) that promised unreasonably high returns, and lost their money in the volatility of the last few months. He then quips (emphasis mine) –
I have long argued that the most important lesson of “financial literacy,” one that is never taught in any “financial literacy” classes, is: If I offer you a 20% annual risk-free return, am I lying? The answer is yes, of course.
UBS was not actually offering a 20% annual risk-free return — the ETN “often yielded 20% or more” but didn’t advertise any fixed interest rate, and it said right on the front page that it was risky — but just knowing that single core fact of financial literacy would be sufficient to guide your investment decision here.
“Ooh fun gamble, 20% return, maybe I’ll take a chance on it”: Fine, great, whatever. “Hmm this seems to offer monthly income, and a 20% return would help my retirement, guess I should put all my savings into it”: No, bad, wrong.
Consider the stock market.
The original design of the stock market was purely capitalist in intention. It was created to provide a means for business people – entrepreneurs, inventors, developers – to obtain needed investment capital, to start or to expand their businesses. So stocks were issued, bankers and other investors bought the stock, and the businesses made use of the invested money. But once a business started flourishing and was producing a profit, it returned the money back to the stock holders so that it could be used by other enterprises.
Over the years, however, this last part of the process was completely forgotten. As years passed, the brokers quickly realized that they could make lots of easy money in trading shares back and forth. They became middlemen, in charge of the flow of capital, earning their commission on each and every transaction.
As we see now, the game is no longer just about capital and businesses, and has become one where everything is centered on the flow of money from one investor to another, instead of one business to another. And in this flow, investors get doomed time and again because they fall for the “20% annual risk-free return” kind of promises! And brokers and other middlemen earn their commissions even on such doom.
This is exactly like it happens in a casino. One gambler gets rich at the expense of others, but ultimately loses it all. But whatever happens, the broker (the casino) always wins.
Asking the question Levine poses – If I offer you a 20% annual risk-free return, am I lying? – the answer for which is – Yes, of course, I am lying – will save you from a lot of blushes and disasters not just in the stock market but also in your broader financial life.  
Massive up and down moves in stocks in the same year are more common than you think, argues Ben Carlson in his latest post –
You can get cycles during a 12-month time frame that feel like they should be playing out over the course of 12 years.
The stock market can move very fast in either direction seemingly without warning.
Here are some reminders I like to consider when thinking through big moves like this:
I cannot predict the direction of the stock market over the short-term.
I cannot predict the magnitude of stock market moves.
I cannot predict when market moves are going to start or stop.
The stock market doesn’t always make sense nor does it have to.
The stock market has the ability to make everyone look foolish at times.
  Things looked bleak in March. Now things look not so bad considering the S&P 500 is down just 2-3% on the year. What happens next is anyone’s guess.
I don’t know.
Well, nobody knows. Worse, we all are ignorant of our own ignorance.  
Aswath Damodaran, sometimes known as the ‘Dean of Valuation,’ recently spoke at the 73rd CFA Institute Annual Virtual Conference on the topic The Value of Everything in an Unstable Environment) –
Considering valuation principles in light of the COVID-19 crisis:  
Valuation first principles have not changed just because of the crisis, but investors have to be willing not only to make estimates about the damage that the crisis will cause to corporate earnings but also to think about what a company will look like in the post-coronavirus economy.
If you are tempted to use multiples and pricing because you don’t want to make assumptions in the fact of uncertainty, you will find uncertainty affecting you in different ways, with trailing numbers moving dramatically and multiples becoming either not meaningful or not usable.
Difficult times require dynamic models, where forecasts of the past are not anchored in past numbers. In other words, mechanical models (which is what many DCF models have become in practice) will yield strange-looking numbers.
Ultimately, crises are crucibles that test investor faith and philosophies, and this crisis will be the acid test for active investing, in general, and value investing, in particular.
Download Mr. Damodaran’s presentation here.  
Barry Ritholtz writes that if investors are worried about too much uncertainty, they should know that the world has always been like this –
These may be unprecedented times, but they are not really out of the ordinary. Uncertainty always rules, and no one ever knows the future. For that reasons, no one really knows or even has a good sense of when the economy will recover, how many will die and when the pandemic will be over. Pretending otherwise with euphemisms does not make it any less so.
Just remember that there is exactly the same amount of uncertainty now about the future as there always is. During times of crisis, you simply lose the ability to fool yourself about it.
Ever wondered why very beautiful scenes can make you so melancholy or sad? The Book of Life has a beautiful answer –
Beauty has served to highlight, by contrast, everything that has come before. We notice – in a way we couldn’t yesterday – how much disappointment, violence, meanness and humiliation has been written into the structure of our ordinary surroundings and routines and has from there seeped into our souls. Thanks to the little limestone church (that we’ll visit after breakfast) assembled by craftsmen around 1430 and ringing its bells for morning service, we’re finally in a position to feel how much agony is latent in our hearts. We haven’t been pain-free all this time, we’ve just been numb, holding in our sorrow because there was nowhere to discharge it, because there were no alternatives to it and nothing to remind us of the scale of our compromise.
The beauty of the landscape is like the very kind friend who, after a period of turmoil, puts a hand gently on ours and asks how we have been – and does so with such tenderness and intelligent concern, we surprise ourselves by bursting into tears that don’t stop for a very long time. It takes kindness until we can realise how much suffering we were holding in. It takes beauty until we realise how far we have drifted from our better selves.
Someone comes in and sees our eyes filled with tears. They wonder sweetly if they could fetch us anything to eat – or a taxi to go sightseeing. But we are far stranger than we can begin to explain. We are crying tears of joy at a goodness we have missed out on; we are crying because we don’t know how to nourish ourselves, we are crying at the sight of a happiness we are emotionally too cowardly, defensive and inept to know how to make our own. We are crying because we don’t want to be tourists, we want to be reborn.
* * * That’s about it from me for today.
If you liked this post, please share with others on WhatsApp, Twitter, LinkedIn, or just email them the link to this post.
Have a great day. Stay safe.
With respect, — Vishal
The post Who Wants a 20% Annual Risk-Free Return? appeared first on Safal Niveshak.
Who Wants a 20% Annual Risk-Free Return? published first on https://mbploans.tumblr.com/
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What type of insurance is required by the California DMV for a drivers test?
License in insurance?
What would it be for? How would I go about obtaining one, and is it a solid field to get into? I currently work in member service for health insurance and am looking into getting into a different type, but I see a lot require a license in insurance.""
Will insurance points carry over to another company?
I have 9 insurance points. My mom is wondering if she signs me onto her policy, will the rates go up dramatically, or will they still be reasonable?""
My husband needs health insurance.?
My husband works full time but doesn't have insurance thru them. I'm pregnant and most outside health insurances won't cover him because his wife is expecting a baby. I want to know is his work health insurance any different. R they obligated to give him insurance reguardless if his wife is pregnant?;;
How much would insurance on a mustang cost (ROUGH GUESS)?
Okay, so my mom's car (Chevrolet Cobalt) is finally paid off. I get my license in less than 3 months. We're wanting to get a 2011 Mustang. The concern is though, the insurance cost. Her and I would have to be on the insurance. Her insurance now is like 185 every 2 months, because she got a speeding ticket a while ago so it went up..? But this isn't going to be a really expensive car. The MSRP is around 22k and the only option I would get is automatic, instead of shift. Which is like an extra 1000. But of course it's a 2 door sports car.. So any estimations? Like extremely rough estimations. Like the average insurance, not real high or real low protection. She'd be the primary driver. ONE more question. 2011 Mustang or 2011 camaro? I like the camaro better, but she thinks it's ugly. But it's less than 1k more than the mustang, and I would love it.. I'm male by the way and make all A's in school if that has any effect at all, which i doubt. Thanks very much!""
What to do when you have lost your insurance documents?
i lost my life insurance documents what should be my next step
Truck hits curb due to icy road..Damage is extensive. Will insurance pay? ?
I was heading down a hill; the road was icy. The truck wasn't stopping properly. It slid into a curb; damaged the wheel (rim). Now, the truck swirves to the left when I drive. I thought I needed an alignment. Went to an auto shop; turns out I need to replace a control arm ($569 just in parts) and some frame pulling is needed....AND an alignment. Total cost: $1750 (with labor) I do have comprehensive coverage with a $500 deductible. I just called my insurance and am waiting to hear back from a claims rep. (they said within 24 hrs); can they deny this for any reason? I really need the truck fixed soon.... Also, will my premiums increase? By a lot???""
What is a penalty in MA for driving a car with no insurance?
I was involved in the car accident recently... I was driving in Boston the uninsured car with the New Hampshire registration. But in NH car insurance is not compulsory. The hearing will be held on my case, which is considered to be criminal. If somebody ever been in the similar situation ,plz, share your experience!""
Cheapest car insurance for a newly qualified driver?
I can add mom/dad/anyone.. small car, who is the cheapest? can get it for 2.5k but thats just ridiculous....""
Does homeowners insurance cover scooters?
stolen moped does house insurance cover repairs
What is the best rated and least expensive car insurance for a female age 19 with a clean driving record ?t?
The car is an SUV 94 ford astro van in California.Know that only need collision coverage...Thanks for helping
""Free health insurance near Brandon, FL?""
Is there any way to apply or receive FREE health insurance in or near Brandon, Florida. I am a college student here and don't want to pay for health insurance b/c its expensive. I used to live in New York and know that there there are many companies that give free health insurance for low income people. Any help?""
Medical Insurance with an existing condition?
My mother is working two jobs, one of which she continues to work at because of the medical insurance. My mother is ready to slow her life down and give up her job that is providing med insurance. My mother is diabetic, and it is improbable she can be accepted for regular insurance with her condition. How can she get what she wants; stay covered permanently, and leave the job where she is getting coverage now? She lives in California.""
Insurance price on r32gtr?
Ok since r32 skylines a now practically legal to import to the U.S from japan i was wondering how much would insurance cost me for a 1989 nissan skyline gtr r32. These skylines will have clean clear texas titles. I live in Houston, Texas and age ...lets just say older than 25""
What is the best lowest cost insurance for a first time driver?
ok. i just got my learners permit. i had wondered what would be the best car insurance company too look to for getting my actual license. and has the lowest monthly rate, with the best coverage. i will never get a dui since i will never drive drunk. i have never had a ticket, i have excellent credit, i do not own a home so i don't want a insurance bundle, i'm in north carolina, i drive a volvo, i have never had a wreck . so i'm looking to good driving discount minus the privacy invading snap shot from progressive. and no dui discount. and good credit discount. exc anyone know of the best insurance company to look to?""
Does anyone have any idea how much it will cost to insure a learner in the UK?
I am just wondering if anyone vaguely knows how much it would be for me to be insured on my dad's insurance so I can learn with him as well as an instructor? Thanks x
How much would a 2004 Mazda Rx8 Liability insurance cost?
I'm a 16 year old male. Turning 17 in two months. Clean driving record. I was wondering how much it would be to insure just liability on a 2004 mazda rx8 or a 2005 Mazda rx8 Shinka? I live in Star, Idaho which is a small town on the outskirts of boise. Would it be better to insure primarily under parents and put me as a secondary driver? I know it's going to be expensive. And i'm prepared for that, but approximately how much per month or per 6 months? I have the money, and a job, and everything. I've researched this vehicle so much you couldn't believe it and its' the car I want. I learned on a ford escape and am comfortable enough to upgrade to this. I just would like to know how much insurance would be? Thanks!""
Question about car insurance?
k so im 16 and im about 2 get my license but im not getting my car yet but i heard that my mother would have to put me under her insurance in order for me to drive her car since im a minor or something like that is it true
Where can I find non-owners car insurance in Massachusetts?
I'm looking to purchase a non-owner's car insurance policy (I live in the Boston area). I do not own my own car, but since I'm still in college and I just moved home, I drive both my parents cars and my brother's car. A non-owners policy would cover me in whichever car I'm driving, and I'm just wondering if anyone could recommend a company in MA that offers this?""
Do you have to add your new teenage driver to AAA insurance if you want them covered.?
Do you have to add your new teenage driver to AAA insurance if you want them covered.?
Unemployed pay more for car insurance?
The 'cat is most definately out of the bag' about big insurance companies in the UK who are making a mint from people who find themselves out of a job and renew their car insurance policies and find that their premiums have nearly doubled because of their circumstances. We already know of the money-spinning ideas they already have , ie Young Drivers and Female Drivers...now they are hitting the Redundant Jobless. Are there no lengths that these companies will stoop to make billions from us?""
What is a good car insurance for someone that is 17?
im 17my car is insured by my moms insurance but she wants to take me off. What are some good options??
Cheap dental insurance to cover root canal?
Hello, im hoping someone could help me. Im 19, a college student and live on my own so getting under my parents plan cant happen. Can anyone recommend a cheap dental insurance that would help me cover a root canal procedure? Right now Im considering UNI-CARE 100 Discount Dental Plan, its only $80 a year and covers root canals. Any other plans anyone happens to know about and willing to share would be appreciated!!""
Homeowners and health insurance?
We have Nationwide homeowners insurance, which is just added to our mortgage. If we get health insurance through them too, do you think they can just add it to our mortgage also?""
Car Insurance Help?
Where can I find Car Insurance with no license needed answer ASAP??
How much do you pay car insurance?
car year and mileage?
What make and model is the cheapest car to get insurance on?
what make and model is the cheapest car to get insurance on? for a 22year old female
Do disabled people get cheaper car insurance or any other benefits?
Do disabled people get cheaper car insurance or any other benefits?
""How much does it cost per month, in avarege, to lease a non-expensive car,including insurance fee?""
How much does it cost per month, in avarege, to lease a non-expensive car,including insurance fee?""
Will my insurance pay my car?
I have full cover insurance for my car (just got it a month ago). And my car was stolen this morning. Im still paying for it, will the insurance pay it off to B of A? Will i have to keep paying Infinity or what is going to happen? Will my credit get ruined?""
How much will State Farm raise insurance for a toll violation?
I didn't have any money on me so the attendant wrote down my license plate number and I went through. Here in Florida it counts a s a moving violation and is 3 points on your license. It's my dad's car, so I assume the points will be put on his license unfortunately. How will this affect his rates?""
Can I get my own car insurance on a learners permit?
I am purchasing a new Altima on Wednesday. I am buying the car completely out but to take it off the lot you have to have insurance. Can I get car insurance on a learners permit? I'm 18. (Please don't answer if you don't know the actual answer. I don't need any opinions I need facts) Thank you in advance.
How much is car insurance for a 16 year old girl in texas?
I'm going to be driving a ford I think f150 the year is no later than 2004. I know they have discounts for students with good grades. My gpa is above a 4.650. I need the cheapest I can get. Because aside from managing insurance on this vehicle. I will need to put money aside to purchase a different vehicle. (I'm borrowing the truck, but must pay my own insurance.) And battle school. I won't make a lot of money, so I have to try with what I will have.""
State Farm Renter's Insurance?
I live with my brother and his wife. There names are on the lease and my name is not on the lease. Can I still get Renter's Insurance?
Purchasing car insurance in Vancouver BC?
I bought a vehicle the other day, and went to insure it and realized my ID and License had both been scratched up somehow. ICBC wouldn't accept my ID until I got a new one. So I went to replace my ID and realized my birth certificate had been threw the wash one to many times to be used. So I have to order a new birth certificate from out of province. Anyways it will take at least a month until I have the cards replaced and in the mean time I need to register the vehicle and insure it. Can my sister register and insure it in her name? she is 18 and has no license. How much would it cost ROUGHLY? I live in Vancouver BC, Canada""
How much would a Jeep Wrangler cost to insure compared to a Honda Civic?
How much would a 1990-1995 Jeep Wrangler cost to insure compared to a 2004 Honda Civic? It would only be liability insurance, and I live in South Jersey.""
What's the salary and commission for infinity insurance in California?
Does anyone know?
Homeowner's Insurance Question...tree fell on my car and I rent!?
So today I had a terrible storm at my house and a tree (about 1/3 of a huge tree) got ripped off from its trunk and landed on my car. I rent from a landlord and she has homeowner's insurance that may/may not pay for the removal of the tree from the yard and my car. My question is, shouldn't her insurance cover the damage to my property (my car)? Her property damaged my property so in my mind her HO insurance should pay for any damage to my car but she said she thought I would have to file a claim on my auto insurance.""
Who do you have for car insurance? open!?
looking for a cheap car insurance, buut not to cheap were if i get into a car crash they'd give me 10 cents. any suggestions?""
I'm trying to make a car insurance for eu driving license?
Hi, everytime when I make a quote on e.g. (comparethemarket.com or moneysupermarket.com) I get a car insurance around 7000 ponds. Is there any way how I can get cheaper insurance? I'm in UK.""
""I'm 15, pregnant, and have NO insurance?""
I don't qualify for medicare. My parents make to much, can anyone give me any ideas of what I can do for insurance? Please, No hateful comments. I'm really being serious here.""
""Medical insurance, c.a.?""
i live in california,,, i am a guy, have a good job,, but i cant get medical insurance due to i have a pre existing condition,,, reiters syndrome, my job doesnt have medical though,, and i barelymake to much for the state medical program,, medi-cal,, any advice""
Does the American political system of democracy provide health insurance??
I'm doing a report and I don't quite understand how the american political system of demorcracy provides health insurance ? Help please?? Thank you!
Why are so many Americans so damn dumb?
why don't they realize things like how the insurance companies are screwing them? Insurance companies keep 30% of every dollar spent and it goes in their pocket. They exist to deny you service, to keep you sick. America is the only industrialized country in the world without universal health care. I await the predictable comments about that, fed to most americans by the likes of hannity, savage and limbaugh, all with great health insurance.....so, why are so many americans so damn dumb?""
Medical Insurance at 18?
I'm a little confused, when you turn 18, do you automatically get dropped from your parents coverage if you're not in school?""
How much does Geico car insurance cost?
How much does Geico car insurance cost?
Car insurance 2 Different Co?
My girlfriend recently bought a car but she is insured by her parents policy, she is wanting to know if she can get another insurance company's policy without raising her parents rates.""
""What do you pay for car insurance, if you don't mind me asking?""
I'm curious. I have recently moved and I couldn't believe the difference in price for car insurance. I two thousand miles east and now pay just over a thousand a year as opposed to four and a half thousand where I used to live. So, if you don't mind, could you say where you live and how much you pay in car insurance? I think this will be interesting and rather revealing.""
Factors that determine the price of insurance?
i would like to know how certain factors determine the price of insurance. 1) how does costs affect the price of insurance 2) how does amount of claims affect the price of insurance 3) how does risk levels affect the price of insurance 4) how does predictability of risk affect the price of insurance 5) how does return from investments affect the price of insurance 6) how does level of interest rates affect the price of insurance 7) how does profit margin affect the price of insurance 8) how does competition affect the price of insurance 9) how does goverment regulation affect the price of insurance
Cobra or individual health insurance?
If I loss of group health insurance due to end of employment, but the company offers Cobra plan which is too expensive for me, can I get the individual health insurance or I have to stick with the Cobra plan? I live in NJ.""
What is the cheapest Sr22 insurance in california?
I am 20 years old Dwv suspended my liscense for a year,i payed all my ticket fees,they were all mostly speeding,i had a total of 6 points on my record.where can i find cheap liabilty insurance?""
How much do you pay car insurance?
car year and mileage?
What affordable health insurance is the best one out there for me? I have no health problems except BP I am 58?
I will be divorced in 2 months and will have to find my own health insurance. I have been with Anthem for 14 years and have no health problems and no medications except 1 blood ...show more
""I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""
I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""
What are some good first cars with low insurance rates?
preferably a SUV. Kind of like a blazer or something like that. Definitely under $1000. Does anyone know where online or around the york, PA area a car like that would be?""
Would insurance for a small SUV cost much more than insurance for a pickup truck?
I am thinking about buying a used 2WD CRV, or something of that nature. I am wondering if insurance is typically higher on that type of vehicle.""
How much are car insurance for a first time driver?
hi i am getting a car soon and i am a first time driver.I would like to know how much insurance will be for a first time driver living in Canada ontario ?.
How do I find out what this person's car insurance is?
There is a coworker of mine who dented my car. He has a North Carolina licence plate but he works with me in New Jersey. Obviously he's commiting rate fraud to pay lower rates which I don't care about except he banged my car. I've asked him to give me his insurance several times over the past couple of months but he never does so now I've had it and I want to report it directly to his insurance company. How do I get this information if he's not willing to give it? I have only his name, but if I speak to the secretary where we work I can probably get his ss# too if I need it to get his insurance info.""
Car insurance: keep my car if its a write off?
Hi I had a car crash other night....i wasn't at fault anyway the front bumper, bonnet, one headlight and paint above drivers wheel has taken bad damage....but im pretty sure the engine and things under the bonnet are fine....even the radiator isn't damaged....only looks slightly bent so basically im pretty sure its just cosmetic damge its a 2002 lancer ce sedan the person who hit me....her insurance company racq will be inspecting it...but i fear they will say it will be a write off i paid $7000 for the car in september 2010 and the market value for it then was $7500...how much market value will the car be now?? :/ will i get $4000-$6000 for it?? and if they pay me out do i still get to keep my wrecked vehicle or will racq keep the car? i have put so much effort into this car spent an exta $2000 on it. then some crazy b***ch runs a red light n smashes into front of my car so basically my question is....if my car is a wright off will i still get to keep the car? cos if i can i can just keep it at a mates place and buy spare bumper n bonnet off ebay""
I got a speeding ticket in my car. Would that affect motorcycle insurance?
Im looking to get a motorcycle. Would a speeding ticket in a car affect motorcycle insurance.
How much is insurance for a girl (18) coming up to 19 on a peugeout 106?
how much is insurance for a girl of the age 18/19 on a peugeout 106 roughly?
How much do you pay for car insurance?
How much do you pay for car insurance? On like an 2003 truck?
Which is the cheapest car on the market to insure?
Hello, im currently learning to drive in the uk and looking to buy my first car. I need something that will get me from A to B, and will be as cheap as possibly to run as well as insure as im currently not able to work until my daughter is old enough to attend nursery next year. If anyone could help point me in the right direction as to which car to get it would be most helpful as then i can compare insurance quotes. If it helps, im 24 years old and female. x""
What papers do you need for car insurance?
Alright I don't know too much all I know is I'm determined, I want a car with car insurance on it. My dad has a car in which he is going to let me have and I am going with him next week to get car insurance. What papers do I need to present in order to get the car insurance because I want to be ready. I'm not sure what insurance I want yet but I believe he might be putting the insurance in his name and mine being that I am a young driver.""
Car Insurance For 17 Year Old?!?
So im doing my driving lessons but am so worried about insurance. I want to go on my dads insurance who has maximum no claims bonus. The car I will be driving is a 1.2L Vauxhall Corsa SXI (52 Plate). The cheapest quote I have had is 4000. I was just wondering if any of you guys know the cheapest insurance provider or can help me in anyway at all or tell me the best thing to do? Im willing to do a Pass Plus if that helps? Thanks.
Best car and homeowners insurance rates in Florida?
What company has the best rates? I know it varies, just looking for a few places to start!""
How much does it cost to start an insurance office in california?
I'm looking into starting a new insurance office within the next couple of years. As of now, I'm getting the basic, but I need to know what I need to prepare myself for? Can somebody help me?""
What's a good short storyline for a car insurance commercial targeted for parents of teens?
OKAY! so i need a good storyline for a school project im doing! Im making a commercial with my friends with video. My topic is CAR INSURANCE and it is targeted at parents. Specifically Parents who have teens on there hands that are just about to drive! PLEASE HELP! thanksss!
How much will my insurance increase if i get a 1994 mustang ?
I'm 18 and right now i have a really crappy 1994 mercury topaz and my parents pay my insurance, which is $110 a month, but they said if i want a better car, i have to pay the insurance increase and was wondering if someone could give me an educated guess of what ill be paying. Thanks""
Can i get my car insured on my parents name?
i have recently passed my driving test and it is really expensive to get insured on cars i was wondering if i can get insured on my dads name until i reach a older age then it will be cheaper is it possible to get insured on my dads name?
Where can i find cheap car insurance for over 25's first time buyers?
Where can i find cheap car insurance for over 25's first time buyers?
""Advice for buying new car insurance (21 yr old, male)?""
Im 21 year old, male, college student. I just got my driver license. This is my first time getting car insurance since I had never needed it before. I need insurance for a 2007 Mazda CX-7 or 2007 Toyota RAV 4 (full cover)""
Car insurance advice please?
ok a year ago my hubby had a car accident, it still isn't settled and just had a renewal for our car insurance, more than double what it was last year, they've said its because they've took off the no claims because they don't know which way the claim will go, even though we've been advised that we will win, the only thing i think is wrong is that were no claiming on the car insurance were claiming through a solicitor..can someone help me here i don't know what to do""
Why do liberals keep referring to the new health insurance system as affordable? ?
I work on film crews. It an be a long time between movie projects, so I deliver pizzas between crews instead of going on unemployment like many of my film crew buddies. I also own some crappy land, which I inherited, that won't sell. It's just sitting there on the market, screwing me out of qualifying for anything and everything my tax dollars are used for in the way of entitlement funding. I live in a travel trailer. As soon as I have to start paying an upwards of $200 a month for health insurance that is only going to go up, up and up now that pre-existing conditions must be covered, I'm going to have to move into a tent. What part of this is affordable?""
Does California state law not allow insurance companies to increase rates for $750 or less claims?
I heard California Sate law prohibits insurance companies from raising your rates if you have a total accident claim of $750 (not to include deductible amount)? Is this true?
Where is the best place to get cheap car insurance for young drivers?
Where is the best place to get cheap car insurance for young drivers?
How much would my insurance cost on these two cars?
A 2006 Audi s4 and a 2011 Camero ss. I will be 18 years old once I start the insurance with really no driving record, good or bad.""
How much do you pay car insurance?
car year and mileage?
""In New Jersey, does the name on your car insurance card have to match the name on your car...?
...registration? My husbands name is on the insurance and I own the car.
Car accident without insurance? Not at fault and no police report.?
This happened in California. I am an excluded driver on my dad's policy and do not have insurance myself. I was moving the car out of the garage to a parking spot in our complex. I came to a stop at a stop sign within the complex and was hit by another car who was reversing. The other driver admitted fault and I have an email where they essentially admit fault. Since I am an excluded driver and have no insurance, am I able to file a claim with their insurance company? If so, can their insurance deny the claim on the basis that I am an excluded driver and have no insurance?""
If i get my medical card in california will my parents see it since they pay for insurance?
I am about to get my card and i was wondering if my parents will see it, since they still pay for my insurance.""
Total loss and State farm auto insurance?
I had a collision a few weeks before and it is classified as collision damage. I received an estimate at a body shop who initially provided an estimate of $xxxxx/- and said that the insurance company has agreed to pay them and a delivery date was given. Now, things have changed in the middle and the body shop manager tells me a new stories of additional things that went wrong due to collision (all of a sudden) and that the insurance agent after inspection wants to call it a total loss based on this new estimate. My insurance company- State farm wants it to call a total loss which I doubt given the extent of repair it might take for the minor damage in the front fender alone. Now, here are my questions. I now have suspicion on the integrity of the body shop as well the trick palyed in declaring total loss. 1. Can I have a second opinion at a different body shop? Does State farm allow that? 2. If the repair cost is more than the ACV, and if I still wish to keep the car, can I negotiate for the max amount less deductible that State farm is willing to pay the body shop (xx% of the max amount that state farm is willing to pay before declaring total loss) and I take care of the remaining cost? Your input is appreciated. Thanks, NS""
How should I insure my now deceased father's house?
My father has recently passed and his house is currently vacant. It is a small home only around 1,000 sq. ft. It hasn't been estimated recently but I would guess it's value around $60,000. Homes in the area are going for foreclosure for less than $30,000. My son plans on living in the home a year from now. How should we insure the home in the mean time? If we can find someone we know and trust we may rent it out in the mean time, if not, how should we? The home is currently in my sister and I's name. What do we need to do to keep costs down? I'm talking about insurance and taxes. Thanks for any advice!""
Can an insurance company be sued for not paying and ruing my credit?
I had a bill and the insurance refused to pay it. They thought I was under two different insurances. The bill went to collections and they have paid a little on it but not the whole thing. It has been a year now.
How can I get estimates for fire damage to fight the insurance adjuster?
How can I get estimates for fire damage to fight the insurance adjuster?
Best Car Insurance For A 15 1/2 Year Old In California?
Im Turning 15 1/2 Soon, And Im Ready To Take Drivers Ed And Drivers Training.. And I Need I To Find Insurance, That IS CHEAP, I Cant Spend That Much Per Month On Insurance. My Parents Car Insurance Which Is AAA.. Only Insures Drivers Over The Age Of 21 Or Something Like That. I Just Need To Know What Insurance Is Cheapest For Me?.. And Is There Insurance What Insures Me For Whatever Car I Drive? Do I Need To Get Insurance On Every Car I Drive.""
Cheap motorcycle insurance?
anybody noe of some cheap motorcycle insurance im only 17 and im planning on getting a 250cc dis coming summer and i cant spend 300 or more a month thats to much pls help.
Do i need to add my wife under my car insurance?
Allstate is my car insurance
Car insurance help :(?
would your insurance go up after you graduate high school?
I have kaiser insurance does my insurance cover the lapband?
how many pounds must one be overweight before they can have the lap band surgery? i am covered with kaiser permenete health insurance. does my insurance cover this procedure
How do I get individual health insurance quotes for North Carolina?
I am currently living in New York State and am considering moving to North Carolina. How do I get individual health insurance quotes while still living in NYS? All the websites ask you to provide a North Carolina address which I do not have yet. Thank you.
Help me find affordable health insurance in ny state if i am not poverty level?
Help me find affordable health insurance in ny state if i am not poverty level?
Can car insurance companies commit a driving offence? (IN10)?
My car insurance company (One Call) recently cancelled my policy due to them not receiving my proof of no claims in time (that's another issue). However, they failed to notify me in time and I carried on driving my car for 5 days un insured, until the letter arrived (policy cancelled on 10/9/12 and letter sent 14/9/12). Does anyone know if they have committed an offence, IN10 or other? They also charged me 205 cancellation (even though an extension on the proof of no claims was agreed and then later denied when I questioned them) Any advice is very welcome. Thanks.""
Who offers cheapest auto insurance in ontario canada?
Please suggest the cheapest auto insurance company in Ontatio, Canada.""
Where can i get cheap insurance?
low rates? ???
What is cheap insurance if you have a sr-22 or tickets or suspension.?
What is cheap insurance if you have a sr-22 or tickets or suspension.?
California insurance program help!!!!!?
i applied for insurance with them and they sent me back a letter saying i didnt qualify because i wasnt licensed continuously for prev 3 years.....ive been driving since i was 16 and now im 22 i had tickets prior but recently i obtained a dmv record and all of them are cleared ......but my license was suspened when i was 19-20 do you beleive this could have been why i was rejected?????
""I got into a car accident with my new car before i could get insurance, help?""
I just recently bought a 66 mustang from a private seller. My mechanic took a look at it and said it was good. I went to go pick up the car from the seller, and while driving home, 15 minutes into my drive the breaks gave out. I ended up hitting a UPS truck. My passenger and i ended up going to the hospital for injuries. I did not have insurance since i was just going to drive the car home and not drive it until i got full coverage on it. The previous owner still has insurance on the car, and i have not been to the dmv to have the title officially signed over. I need help; legal advice would be great.""
First car ... I need cheap car insurance.. what car offers cheap insurance?
Tell me how much the insurance costs if possible, bearing in mind I am a new driver.""
How much would it cost to insure a Toyota 1985 corolla AE86?
I'm 18 and I am still under my parents insurance. I've only been driving on my own for a month or so. The car is a two door coupe.
Please HELP! I am pregnant with no insurance?
I just found out today that I am pregnant and I don't have insurance, I own my own business so according to FL state I make too much money to qualify for medicare, which I don't, please help ,do you know any programs with the hospital where I can make payments or any other suggestion. Thank You! please only serious answers this is very important to me!""
""Cheap m/cycle insurance for 95,GPZ 750 ?""
Cheap m/cycle insurance for 95,GPZ 750 ?""
I need the best site for health insurance for a small business?
the insurance will be for 3 employees and needs to include dental and vision insurance
How much do you pay car insurance?
car year and mileage?
https://www.linkedin.com/pulse/list-cheap-car-insurance-companies-florida-jose-blair/"
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repwinpril9y0a1 · 7 years
Text
Like A Rug
No, that's not a Donald Trump hair joke. It is nothing more than the end of a simile on lying. Rugs are the epitome of lying, since nothing lies more obviously than a rug. Of course, I could have gone with a different motif, but Al Franken had already used the title: "Lies And The Lying Liars Who Tell Them," so I had to go with what was available, as it were.
The administration of Donald Trump has, so far, been breathtaking at its dishonesty. Some of this comes from the president himself, but a fair portion comes from his advisors, who are often put in the unenviable position of trying to prove something which is not actually true (so as not to contradict a Trump lie). They pretzel themselves into explaining what Trump really meant, and how in a certain light it bears a passing resemblance to something which is actually quasi-factual. Must be tough, but they all knew what they were signing up for, so it's hard to feel too sorry for them, really.
The Trump administration began this dishonesty on their first day in power. Sean Spicer was sent out to the press podium to state as a fact something which was simply not true. Trump's inauguration had: "the largest audience to ever witness an inauguration -- period -- both in person and around the globe." This was laughably untrue, and anyone with eyes to see the photos knew it. That was Day One.
Since then the lies have been so constant and unrelenting it's actually hard to keep up with them all. Some of these wouldn't be classified as lies by some, such as Trump tweeting about a "so-called judge" who ruled against him. There's nothing "so-called" about him -- the man is indeed a federal judge, confirmed by the Senate, with a lifetime tenure on the bench. This is precisely why America's judiciary is completely independent, in fact, so they can ignore political pressure from other branches of the government. But some might call this merely an insult, rather than a lie.
Then there are questions of interpretation. When Trump spoke of Frederick Douglass seemingly in the present tense, it was interpreted as Trump not knowing Douglass was not still alive. Perhaps. He's not the most eloquent president we've ever had (by a long shot) so perhaps it was just his clunky speaking style. We're bending over backwards to give him the benefit of the doubt, but he could have just misspoken on this one. Then again, he could have just never heard of Frederick Douglass before in his life -- also a plausible explanation.
Other strange statements could likewise be chalked up as opinions, misguided though they may be, such as Kellyanne Conway insisting that there had been "no chaos" at the airports when Trump's Muslim ban was instituted, and everything was going swimmingly. To be as charitable as possible, it depends on her own personal definition of what she considers to be chaos. Looked like chaos to me, but who am I to contradict her opinion?
This all has to be seen through the lens of spin, because top advisors to any president are indeed spin doctors -- it's part of the job, really. But this is normally an exercise in framing the presentation more than disputing obvious facts. A presidential spokesperson might say something like: "We don't see this as a black-and-white incident. We see countless shades of grey, in fact, and while this incident may be seen by some as a darker shade of grey, we instead see the overall picture as lighter grey, like a pre-dawn brightening that promises much more light and sunshine to come." That's standard-issue spin, in other words. But the Trump people can't even manage that, when Trump himself insists in a tweet: "Black is white. Many people agree with me on this, believe me. Any use of the word BLACK is fake news, and sad." There's not a lot a spin doctor can do to fix something like that, in other words.
This is where we get into the astonishing lies erupting from the Trump administration which are just flat-out bald-faced lies, period. Not opinion, not spin, not misinterpretation -- just lies. Most of these are self-inflicted wounds of the most embarrassing type because they are so easy to refute.
Kellyanne Conway provided the most amusing example of this, last week. She castigated Chris Matthews for the media completely ignoring the "Bowling Green massacre" -- a phrase she has used in multiple interviews. The media didn't report on it because it didn't happen, of course. It was nothing short of a whopper of a lie.
This got more amusing when CNN refused to invite Kellyanne Conway on its Sunday morning show this weekend (although she did appear on the channel later in the day), because they considered her an untrustworthy source who had lost all credibility (because of lies like the Bowling Green massacre). Conway tried to lie her way out of this one, insisting that she was the one who turned CNN down. Sean Spicer was asked about this at a press briefing:
Q: CNN reportedly declined to interview Kellyanne Conway on Sunday because of questions about her credibility. Is the White House willing to offer alternative representatives to networks that refuse to work with specific spokespeople?
SPICER: I, I, well, frankly, I think that, that my understanding is they retracted that, they've walked that back or denied it or however you want to put it. I don't care.
This was also a lie. CNN never retracted, walked back, or denied that this was in fact the truth of the matter -- something they reiterated in a tweet. So Kellyanne lies about a massacre that never happened (while incredulously berating the media for not covering it), CNN doesn't invite her because she's a liar, and then Sean Spicer lies about it to the press, using an easily-checkable "fact" that wasn't true.
But I shouldn't pick on the advisors so much, because Donald Trump himself is the emperor of lies. While speaking to a meeting of law enforcement officials, Trump stated: "And yet the murder rate in our country is the highest it's been in 47 years. I used to use that, I'd say that in a speech and everybody was surprised. Because the press doesn't tell it like it is. It wasn't to their advantage to say that. But the murder rate is the highest it's been in, I guess, 45 to 47 years." This is not true. In fact, the opposite is true -- the murder rate is at a low point for the past 50 years or so. It was twice as high in the 1980s, in fact. An easily-checkable fact that Trump felt the compulsion to lie about.
This wasn't even Trump's biggest falsehood in the past few days (as I said, it's hard to keep up, due to the sheer volume of lies). Trump went off script in a recent speech to complain that the media was refusing to report on terrorist attacks, for unspecified nefarious reasons: "You've seen what happened in Paris and Nice. All over Europe, it's happening. It's gotten to a point where it's not even being reported. And in many cases, the very, very dishonest press doesn't want to report it. They have their reasons, and you understand that." This is, in fact, not true. Not even remotely. Unless he was referring to the Bowling Green massacre, of course, which wasn't reported by the media because it didn't happen.
Since then, his advisors have been trying to morph Trump's lie into a statement that he just didn't make -- that terrorism stories were merely underreported. Read Trump's own words -- that's not what he said, but whatever. When the press challenged the White House to name terrorist incidents which weren't covered, they hastily put together a list with laughable misspellings ("attaker," for instance). Almost 80 terrorist incidents were on this list, but it bizarrely contained attacks such as the Pulse shooting in Florida and San Bernardino (misspelled "San Bernadino") which were covered pretty much nonstop by all the news networks for over a week. Hard to call those "underreported" stories.
So Kellyanne Conway was dispatched to explain how the explanation didn't actually mean what they had previously said it meant. She helpfully explained that the list had both attacks which were sufficiently covered by the media, as well as others that weren't. Even though the list was supposed to only consist of underreported attacks (indeed, that was the whole point of the White House writing the list in the first place). Again, an easily-refuted lie. Her biggest whopper during this interview, however, was to insist: "I don't intend to spin." After which, her pants burst into flames on camera, and had to be quickly doused with a nearby fire extinguisher.
Well, no -- that last part didn't actually happen. It is nothing short of a lie, born of overly-wishful thinking. Still, it was astonishing the path these lies took over the past few days. Conway lies about a fictional terror attack, while castigating the media for not reporting it. Trump castigates the media for underreporting terror attacks, because the media somehow has "reasons" for not wanting to report it. Challenged on this statement, the White House comes up with a list of 78 terror attacks, all of which were reported on in the media, and some of which dominated coverage for weeks. The official story then shifted to "underreporting" as opposed to "not reporting" (Trump's original lie), and somehow the list morphed into a list of both adequately-reported and underreported incidents (even though that, too, was a lie -- they were all reported on). To top it all off, Conway returns to the airwaves to Trumpsplain it all to us, insisting that she doesn't intend to spin.
This is not a new phenomenon, of course. Hans Christian Andersen pointed it out almost two centuries ago, which is how I'm going to end this story:
The noblemen who were to carry his train stooped low and reached for the floor as if they were picking up his mantle. Then they pretended to lift and hold it high. They didn't dare admit they had nothing to hold.
So off went the Emperor in procession under his splendid canopy. Everyone in the streets and the windows said, "Oh, how fine are the Emperor's new clothes! Don't they fit him to perfection? And see his long train!" Nobody would confess that he couldn't see anything, for that would prove him either unfit for his position, or a fool. No costume the Emperor had worn before was ever such a complete success.
"But he hasn't got anything on," a little child said.
"Did you ever hear such innocent prattle?" said its father. And one person whispered to another what the child had said, "He hasn't anything on. A child says he hasn't anything on."
"But he hasn't got anything on!" the whole town cried out at last.
The Emperor shivered, for he suspected they were right. But he thought, "This procession has got to go on." So he walked more proudly than ever, as his noblemen held high the train that wasn't there at all.
Chris Weigant blogs at:
Follow Chris on Twitter: @ChrisWeigant
-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.
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repwincoml4a0a5 · 7 years
Text
Like A Rug
No, that's not a Donald Trump hair joke. It is nothing more than the end of a simile on lying. Rugs are the epitome of lying, since nothing lies more obviously than a rug. Of course, I could have gone with a different motif, but Al Franken had already used the title: "Lies And The Lying Liars Who Tell Them," so I had to go with what was available, as it were.
The administration of Donald Trump has, so far, been breathtaking at its dishonesty. Some of this comes from the president himself, but a fair portion comes from his advisors, who are often put in the unenviable position of trying to prove something which is not actually true (so as not to contradict a Trump lie). They pretzel themselves into explaining what Trump really meant, and how in a certain light it bears a passing resemblance to something which is actually quasi-factual. Must be tough, but they all knew what they were signing up for, so it's hard to feel too sorry for them, really.
The Trump administration began this dishonesty on their first day in power. Sean Spicer was sent out to the press podium to state as a fact something which was simply not true. Trump's inauguration had: "the largest audience to ever witness an inauguration -- period -- both in person and around the globe." This was laughably untrue, and anyone with eyes to see the photos knew it. That was Day One.
Since then the lies have been so constant and unrelenting it's actually hard to keep up with them all. Some of these wouldn't be classified as lies by some, such as Trump tweeting about a "so-called judge" who ruled against him. There's nothing "so-called" about him -- the man is indeed a federal judge, confirmed by the Senate, with a lifetime tenure on the bench. This is precisely why America's judiciary is completely independent, in fact, so they can ignore political pressure from other branches of the government. But some might call this merely an insult, rather than a lie.
Then there are questions of interpretation. When Trump spoke of Frederick Douglass seemingly in the present tense, it was interpreted as Trump not knowing Douglass was not still alive. Perhaps. He's not the most eloquent president we've ever had (by a long shot) so perhaps it was just his clunky speaking style. We're bending over backwards to give him the benefit of the doubt, but he could have just misspoken on this one. Then again, he could have just never heard of Frederick Douglass before in his life -- also a plausible explanation.
Other strange statements could likewise be chalked up as opinions, misguided though they may be, such as Kellyanne Conway insisting that there had been "no chaos" at the airports when Trump's Muslim ban was instituted, and everything was going swimmingly. To be as charitable as possible, it depends on her own personal definition of what she considers to be chaos. Looked like chaos to me, but who am I to contradict her opinion?
This all has to be seen through the lens of spin, because top advisors to any president are indeed spin doctors -- it's part of the job, really. But this is normally an exercise in framing the presentation more than disputing obvious facts. A presidential spokesperson might say something like: "We don't see this as a black-and-white incident. We see countless shades of grey, in fact, and while this incident may be seen by some as a darker shade of grey, we instead see the overall picture as lighter grey, like a pre-dawn brightening that promises much more light and sunshine to come." That's standard-issue spin, in other words. But the Trump people can't even manage that, when Trump himself insists in a tweet: "Black is white. Many people agree with me on this, believe me. Any use of the word BLACK is fake news, and sad." There's not a lot a spin doctor can do to fix something like that, in other words.
This is where we get into the astonishing lies erupting from the Trump administration which are just flat-out bald-faced lies, period. Not opinion, not spin, not misinterpretation -- just lies. Most of these are self-inflicted wounds of the most embarrassing type because they are so easy to refute.
Kellyanne Conway provided the most amusing example of this, last week. She castigated Chris Matthews for the media completely ignoring the "Bowling Green massacre" -- a phrase she has used in multiple interviews. The media didn't report on it because it didn't happen, of course. It was nothing short of a whopper of a lie.
This got more amusing when CNN refused to invite Kellyanne Conway on its Sunday morning show this weekend (although she did appear on the channel later in the day), because they considered her an untrustworthy source who had lost all credibility (because of lies like the Bowling Green massacre). Conway tried to lie her way out of this one, insisting that she was the one who turned CNN down. Sean Spicer was asked about this at a press briefing:
Q: CNN reportedly declined to interview Kellyanne Conway on Sunday because of questions about her credibility. Is the White House willing to offer alternative representatives to networks that refuse to work with specific spokespeople?
SPICER: I, I, well, frankly, I think that, that my understanding is they retracted that, they've walked that back or denied it or however you want to put it. I don't care.
This was also a lie. CNN never retracted, walked back, or denied that this was in fact the truth of the matter -- something they reiterated in a tweet. So Kellyanne lies about a massacre that never happened (while incredulously berating the media for not covering it), CNN doesn't invite her because she's a liar, and then Sean Spicer lies about it to the press, using an easily-checkable "fact" that wasn't true.
But I shouldn't pick on the advisors so much, because Donald Trump himself is the emperor of lies. While speaking to a meeting of law enforcement officials, Trump stated: "And yet the murder rate in our country is the highest it's been in 47 years. I used to use that, I'd say that in a speech and everybody was surprised. Because the press doesn't tell it like it is. It wasn't to their advantage to say that. But the murder rate is the highest it's been in, I guess, 45 to 47 years." This is not true. In fact, the opposite is true -- the murder rate is at a low point for the past 50 years or so. It was twice as high in the 1980s, in fact. An easily-checkable fact that Trump felt the compulsion to lie about.
This wasn't even Trump's biggest falsehood in the past few days (as I said, it's hard to keep up, due to the sheer volume of lies). Trump went off script in a recent speech to complain that the media was refusing to report on terrorist attacks, for unspecified nefarious reasons: "You've seen what happened in Paris and Nice. All over Europe, it's happening. It's gotten to a point where it's not even being reported. And in many cases, the very, very dishonest press doesn't want to report it. They have their reasons, and you understand that." This is, in fact, not true. Not even remotely. Unless he was referring to the Bowling Green massacre, of course, which wasn't reported by the media because it didn't happen.
Since then, his advisors have been trying to morph Trump's lie into a statement that he just didn't make -- that terrorism stories were merely underreported. Read Trump's own words -- that's not what he said, but whatever. When the press challenged the White House to name terrorist incidents which weren't covered, they hastily put together a list with laughable misspellings ("attaker," for instance). Almost 80 terrorist incidents were on this list, but it bizarrely contained attacks such as the Pulse shooting in Florida and San Bernardino (misspelled "San Bernadino") which were covered pretty much nonstop by all the news networks for over a week. Hard to call those "underreported" stories.
So Kellyanne Conway was dispatched to explain how the explanation didn't actually mean what they had previously said it meant. She helpfully explained that the list had both attacks which were sufficiently covered by the media, as well as others that weren't. Even though the list was supposed to only consist of underreported attacks (indeed, that was the whole point of the White House writing the list in the first place). Again, an easily-refuted lie. Her biggest whopper during this interview, however, was to insist: "I don't intend to spin." After which, her pants burst into flames on camera, and had to be quickly doused with a nearby fire extinguisher.
Well, no -- that last part didn't actually happen. It is nothing short of a lie, born of overly-wishful thinking. Still, it was astonishing the path these lies took over the past few days. Conway lies about a fictional terror attack, while castigating the media for not reporting it. Trump castigates the media for underreporting terror attacks, because the media somehow has "reasons" for not wanting to report it. Challenged on this statement, the White House comes up with a list of 78 terror attacks, all of which were reported on in the media, and some of which dominated coverage for weeks. The official story then shifted to "underreporting" as opposed to "not reporting" (Trump's original lie), and somehow the list morphed into a list of both adequately-reported and underreported incidents (even though that, too, was a lie -- they were all reported on). To top it all off, Conway returns to the airwaves to Trumpsplain it all to us, insisting that she doesn't intend to spin.
This is not a new phenomenon, of course. Hans Christian Andersen pointed it out almost two centuries ago, which is how I'm going to end this story:
The noblemen who were to carry his train stooped low and reached for the floor as if they were picking up his mantle. Then they pretended to lift and hold it high. They didn't dare admit they had nothing to hold.
So off went the Emperor in procession under his splendid canopy. Everyone in the streets and the windows said, "Oh, how fine are the Emperor's new clothes! Don't they fit him to perfection? And see his long train!" Nobody would confess that he couldn't see anything, for that would prove him either unfit for his position, or a fool. No costume the Emperor had worn before was ever such a complete success.
"But he hasn't got anything on," a little child said.
"Did you ever hear such innocent prattle?" said its father. And one person whispered to another what the child had said, "He hasn't anything on. A child says he hasn't anything on."
"But he hasn't got anything on!" the whole town cried out at last.
The Emperor shivered, for he suspected they were right. But he thought, "This procession has got to go on." So he walked more proudly than ever, as his noblemen held high the train that wasn't there at all.
Chris Weigant blogs at:
Follow Chris on Twitter: @ChrisWeigant
-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.
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sunshineweb · 4 years
Text
Who Wants a 20% Annual Risk-Free Return?
Here are the best things I read and thought about today –
Matt Levine writes on Bloomberg that gambling is not a retirement plan. He writes about a few people – common people like you and me, including a few 60-80 year old – who bought leveraged exchange-traded notes (ETN – complex financial instruments that use debt to amplify returns, which also increases risk) that promised unreasonably high returns, and lost their money in the volatility of the last few months. Levine then quips (emphasis mine) –
I have long argued that the most important lesson of “financial literacy,” one that is never taught in any “financial literacy” classes, is: If I offer you a 20% annual risk-free return, am I lying? The answer is yes, of course.
UBS was not actually offering a 20% annual risk-free return — the ETN “often yielded 20% or more” but didn’t advertise any fixed interest rate, and it said right on the front page that it was risky — but just knowing that single core fact of financial literacy would be sufficient to guide your investment decision here.
“Ooh fun gamble, 20% return, maybe I’ll take a chance on it”: Fine, great, whatever. “Hmm this seems to offer monthly income, and a 20% return would help my retirement, guess I should put all my savings into it”: No, bad, wrong.
Consider the stock market.
The original design of the stock market was purely capitalist in intention. It was created to provide a means for business people – entrepreneurs, inventors, developers – to obtain needed investment capital, to start or to expand their businesses. So stocks were issued, bankers and other investors bought the stock, and the businesses made use of the invested money. But once a business started flourishing and was producing a profit, it returned the money back to the stock holders so that it could be used by other enterprises.
Over the years however, this last part of the process was completely forgotten. As years passed, the brokers quickly realized that they could make lots of easy money in trading shares back and forth. They became middlemen, in charge of the flow of capital, earning their commission on each and every transaction.
As we see now, the game is no longer just about capital and businesses, and has become one where everything is centered on the flow of money from one investor to another, instead of one business to another. And in this flow, investors get doomed time and again because they fall for the “20% annual risk-free return” kind of promises! And brokers and other middlemen earn their commissions on that .
This is exactly like it happens in a casino. One gambler gets rich at the expense of others, but ultimately loses it all. But whatever happens, the broker (the casino) always wins.
Asking the question Levine poses – If I offer you a 20% annual risk-free return, am I lying? – the answer for which is – Yes, of course, I am lying – will save you from a lot of blushes and disasters not just in the stock market but also in your broader financial life.
And unlike a casino, where the longer you play the more you will lose, in the stock market, the longer you play the more likely you are to win…if you play it sensibly and avoid the lure of a 20% annual risk-free return.  
Massive up and down moves in stocks in the same year are more common than you think, argues Ben Carlson in his latest post –
You can get cycles during a 12-month time frame that feel like they should be playing out over the course of 12 years.
The stock market can move very fast in either direction seemingly without warning.
Here are some reminders I like to consider when thinking through big moves like this:
I cannot predict the direction of the stock market over the short-term.
I cannot predict the magnitude of stock market moves.
I cannot predict when market moves are going to start or stop.
The stock market doesn’t always make sense nor does it have to.
The stock market has the ability to make everyone look foolish at times.
  Things looked bleak in March. Now things look not so bad considering the S&P 500 is down just 2-3% on the year. What happens next is anyone’s guess.
I don’t know.
Well, nobody knows. Worse, we all are ignorant of our own ignorance.  
Aswath Damodaran, sometimes known as the ‘Dean of Valuation,’, recently spoke at the 73rd CFA Institute Annual Virtual Conference on the topic The Value of Everything in an Unstable Environment) –
Considering valuation principles in light of the COVID-19 crisis:  
Valuation first principles have not changed just because of the crisis, but investors have to be willing not only to make estimates about the damage that the crisis will cause to corporate earnings but also to think about what a company will look like in the post-coronavirus economy.
If you are tempted to use multiples and pricing because you don’t want to make assumptions in the fact of uncertainty, you will find uncertainty affecting you in different ways, with trailing numbers moving dramatically and multiples becoming either not meaningful or not usable.
Difficult times require dynamic models, where forecasts of the past are not anchored in past numbers. In other words, mechanical models (which is what many DCF models have become in practice) will yield strange-looking numbers.
Ultimately, crises are crucibles that test investor faith and philosophies, and this crisis will be the acid test for active investing, in general, and value investing, in particular.
Download Mr. Damodaran’s presentation here.  
Barry Ritholtz writes that if investors are worried about too much uncertainty, they should know that the world has always been like this –
These may be unprecedented times, but they are not really out of the ordinary. Uncertainty always rules, and no one ever knows the future. For that reasons, no one really knows or even has a good sense of when the economy will recover, how many will die and when the pandemic will be over. Pretending otherwise with euphemisms does not make it any less so.
Just remember that there is exactly the same amount of uncertainty now about the future as there always is. During times of crisis, you simply lose the ability to fool yourself about it.
Ever wondered why very beautiful scenes can make you so melancholy or sad? The Book of Life has a beautiful answer –
Beauty has served to highlight, by contrast, everything that has come before. We notice – in a way we couldn’t yesterday – how much disappointment, violence, meanness and humiliation has been written into the structure of our ordinary surroundings and routines and has from there seeped into our souls. Thanks to the little limestone church (that we’ll visit after breakfast) assembled by craftsmen around 1430 and ringing its bells for morning service, we’re finally in a position to feel how much agony is latent in our hearts. We haven’t been pain-free all this time, we’ve just been numb, holding in our sorrow because there was nowhere to discharge it, because there were no alternatives to it and nothing to remind us of the scale of our compromise.
The beauty of the landscape is like the very kind friend who, after a period of turmoil, puts a hand gently on ours and asks how we have been – and does so with such tenderness and intelligent concern, we surprise ourselves by bursting into tears that don’t stop for a very long time. It takes kindness until we can realise how much suffering we were holding in. It takes beauty until we realise how far we have drifted from our better selves.
Someone comes in and sees our eyes filled with tears. They wonder sweetly if they could fetch us anything to eat – or a taxi to go sightseeing. But we are far stranger than we can begin to explain. We are crying tears of joy at a goodness we have missed out on; we are crying because we don’t know how to nourish ourselves, we are crying at the sight of a happiness we are emotionally too cowardly, defensive and inept to know how to make our own. We are crying because we don’t want to be tourists, we want to be reborn.
* * * That’s about it from me for today.
If you liked this post, please share with others on WhatsApp, Twitter, LinkedIn, or just email them the link to this post.
Have a great weekend. Stay safe.
With respect, — Vishal
The post Who Wants a 20% Annual Risk-Free Return? appeared first on Safal Niveshak.
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