Money and Investing

This is a good movie, but its one failing is that it does not explain the government's role in the 2008 financial crisis. Instead it blames greedy capitalists.

I am sure that there were greedy capitalists, but banks do not want to make bad loans. It is a terrible business strategy. Major corporations do not want to make bad investments. I assume, rightly or wrongly, that investment banks do not want to sell bad and fraudulent securities to their customers.

The government created two Government Sponsored Enterprises to create and sell mortgage back securities to create liquidity in the housing loan market. Then the government passed the Community Reinvestment Act that set goals for GSE's to pressure banks to create mortgages for people who would otherwise not be qualified Also, there was no incentive for banks to make good loans when the GSE's would buy the loans regardless at a profit for the bank. This is the cause of the subprime mortgage crisis.

When the government interferes with the free market, usually worse results happen.

I remember a commercial on TV in the 2000's, probably created by a GSE, showing a black family being able to afford their first home. This was the motivation of the government.

Wednesday, November 12, 2025

Why You Shouldn’t Trust Confident People

https://www.youtube.com/watch?v=9M_QK4stCJU&t=828s

Saturday, November 8, 2025

The Economy

Wednesday, November 5, 2025

The reason oil is so cheap right now

https://www.youtube.com/watch?v=1xzyYPJEbVU

Saturday, November 1, 2025

Why Voters Didn’t Buy the ‘Biden Boom’

Sunday, October 26, 2025

Google Maps Lawsuit

https://www.youtube.com/shorts/p_PGbz9jdtA

Saturday, October 4, 2025

Guess how much this safety net cost?

https://www.youtube.com/shorts/7dfsjM7xd-w

Tuesday, September 30, 2025

Top 10 Worst Cheats to Have Ever Lived

Wednesday, September 10, 2025

TELO Releases Cancer Suppressing Results

Telomir Pharmaceuticals

https://scr.zacks.com/news/news-details/2025/TELO-Releases-Cancer-Suppressing-Results/default.aspx

I am not making a stock recommendation. This kind of drug, if it works, would be a miracle.

I have made a prediction that we would find ways to extend human lifespan. My prediction might be wrong, but there is research going on in this area.

Why AA Batteries Still Suck

https://www.youtube.com/watch?v=uKYF1CXZPng

@john2001plus
0 seconds ago
The problem is that many devices, like remote controls, use AAA batteries that have a third of the power and cost as much. Some of these devices could have easily used the more powerful AA batteries.

Sunday, September 7, 2025

Wawa (company)

https://en.wikipedia.org/wiki/Wawa_(company)

https://www.youtube.com/watch?v=Veau0eZCT8Q

Wawa has opened a few convenience stores in Indiana, near big cities. They advertise so much that even my aunt in a small town wants to try them. They advertise sandwiches, hamburgers, and pizza.

I am leery of buying food from a gas station. It might be interesting to try their pizza.

Sunday, August 17, 2025

Axios

Zoom in: The risk in this particular moment is that Fed independence is under pressure while the full potential impact of tariffs has not been felt yet, which could leave monetary policy "really behind the curve," Natalucci says.

The U.S. is "thriving because it's an open economy. It's a rules-based economy," he adds. If the rules are rewritten, it could be a catalyst for investors to continue moving away from dollar-denominated assets.

Yes, but: Not only is the U.S. not an emerging market, but American leadership still has the kind of credibility that emerging markets leaders often lack, Hsu notes.

Trump has "a lot of willing believers," including market participants who felt economic data gathering needed reforms to make it more accurate.

What we're watching: "The market will price (any) policy mistake," Natalucci says. For now the bond market has been relatively stable since April.

But if the Fed were to cut rates amid hot inflation, bond investors could react negatively, pushing up yields and making debt more expensive.
That could put pressure on the administration, which has already proven that it reacts when the bond market panics.

The White House responded to an Axios request for comment on these parallels via email.

"There is no virtue in defending a broken status quo and upholding elite-approved America Last policies that have eroded our industrial base and decimated American communities," White House spokesman Kush Desai writes, pointing to efforts to lower inflation and strike trade deals.
"Ivory tower analyses that are completely disconnected from day-to-day reality for working class Americans aren't going to change these facts."

Wednesday, August 13, 2025

I Got a Juicer

This video went viral:

https://www.youtube.com/watch?v=PS2IJke7P3Y

https://www.youtube.com/shorts/RQQCJq-90S4

I avoid sugary drinks, but the videos are interesting. I would rather eat oranges.

Orange juice at Walmart, depending upon the size, varies from $2.50 to $8.00. It is a little more expensive at Kroger.

Saturday, August 9, 2025

Tested 100s of LEDs

https://www.youtube.com/watch?v=xPUeHu_7JnA&t=425s

I have bought cheap LED bulbs but they don't last.

Saturday, August 2, 2025

CO2 and the Endangerment Finding

Tuesday, July 29, 2025

Will Tariffs Sink the Economy?

https://www.youtube.com/watch?v=oA-2O8pGCrI&t=1761s

Sunday, July 27, 2025

Annual finance for climate action surpasses USD 1 trillion, but far from levels needed to avoid devastating future losses - CPI

https://www.climatepolicyinitiative.org/press-release/annual-finance-for-climate-action-surpasses-usd-1-trillion-but-far-from-levels-needed-to-avoid-devastating-future-losses/

According to Google:

Annual global climate finance flows reached almost $1.3 trillion in 2021/2022, doubling from 2019/2020 levels. However, this represents only about 1% of global GDP, and experts estimate that much larger investments are needed to avoid the worst impacts of climate change.