“I liken the fed funds rate to a good single malt whiskey—it takes time to have its ameliorative or stimulative effect.” [Laughter]Comment: Image ... Bill Murray in Lost in Translation
The iPhone 5s is so advanced, compared to what was available in 1991, that it would actually cost more than $3.5-million to buy something resembling it 23 years ago. This was calculated by an analyst over at Tech Police Daily, where the cost was put down to the following factors. Flash storage in 1991 cost $45,000 per gigabyte. When you consider a 32GB iPhone 5s, the total cost is $1.44 million. Processors cost about $30 per MIPS (millions of instructions per second) in 1991. The A7 chip can execute 20,500 million instructions per second, so the total cost for a similar processor in 1991 would be $620,000.Comment: Having sold mainframe and midrange computers (1973-78), I found this incredible. See DEC 10 article
Google's plan will create a new class of "C'' share that has no voting power. As reported, the share of C stock will be distributed for each share of voting Class A stock owned as of March 27. To begin with the value of the current stock will be divided equally between the two types of shares. Both classes of stock will then trade separately with different ticker symbols. Class C shares will still use the company's existing "GOOG" ticker symbol, while Class A stock will use the symbol "GOOGL."When? "The split is scheduled to occur April 2."
Tax season for individual taxpayers opens on January 31, 2014Comment: The earliest I've ever filed taxes
Investing beyond your 401K
Comment: Handout for my Tuesday January 21st Toastmaster's speech.
Comment: Found here
- Go to settings
- Tap general
- Scroll down to accessibility
- Scroll down to assistive touch
- Turn it on
- You will now have a semi transparent button on your screen
- When you tap this you will get options of voice control, favorites, device, home you need to tap device,then more, then screenshot.
In mechanics almost always, clockwise to tighten, counter clockwise to loosen. Every once in a while you will come across a left hand thread one, but rarely.
How rarely?
Consider this:
The Mystery of Left-Hand Lug Nuts
Excerpt:
Some vehicle manufacturers utilize the safe practice of using right-hand threads on studs and nuts to fasten wheels on the right-side of vehicles (passenger-side) and left hand threads on studs and nuts to fasten the wheels on the left side of vehicles (driver-side)Comment: What does this have to do with the Proverbs? Quote from the ESV study Bible:
Proverbs of necessity focus on consequences, and this raises the question of whether they are “promises.” Proverbs by nature deal with general truths, and are not meant to cover every conceivable situation. Consider the English proverb, “Short cuts make long delays”; the very form of the proverb forbids adding qualifiers, whether of frequency (often, usually, four times out of five) or of conditions (except in cases where …); these would lessen the memorability of the sentence. The competent reader knows that the force of the proverb is not statistical, but behavioral—in the case of the English proverb cited, to urge due caution. In biblical proverbs, the consequences generally make God’s basic attitude clear, and thus commend or discourage behavior.
Proverbs often seem to be mere observations about life, but their deeper meanings will reveal themselves if the following grid is applied: (1) What virtue does this proverb commend? (2) What vice does it hold up for disapproval? (3) What value does it affirm?Consider Proverbs 22:6, "Train up a child in the way he should go, And when he is old he will not depart from it."
Moderate alcohol use may be of most benefit only if you're an older adult or if you have existing risk factors for heart disease, such as high cholesterol.
My best shot at absolutism about not drinkinghttps://t.co/663Z2btvYC
— James Peet (@jrpeet) July 6, 2018
Bauder on #gluttony https://t.co/OycuT0kB9i pic.twitter.com/AgC0F3Vg1A
— James Peet (@jrpeet) July 6, 2018
https://t.co/TL0XbxDr2i pic.twitter.com/SXlCi8G3uF
— James Peet (@jrpeet) November 28, 2018
.@drlarrymd Interesting on How Much Alcohol Can You Drink Safely?https://t.co/UVBdSiuNFa pic.twitter.com/YVThrmYQly
— James Peet (@jrpeet) May 19, 2019
Downloading Yahoo data
Comment: Much cool stuff but for a simple download of stock symbol and last closing price put this string in URL browser window:
http://download.finance.yahoo.com/d/quotes.csv?s=ABBV+ABT+AMLP+CA+CAG+CLX+COP+CSCO+ED+GIS+GS+JNJ+KMB+KO+KR+KRFT+MRK+MSFT+PG+PULB+STT+STX+SYY+TGT+WM&f=sp
Could You Be Oversaving for Retirement?
Excerpt:
The 80% replacement rule — which means workers should aim to replace that much of their pre-retirement income — is hardly a one-size fit-all model. Blanchett argues that the figure may be much lower for some workers, considering that some expenses, like taxes for Social Security and Medicare, work-associated costs like commuting, and pre- and post-tax retirement savings contributions all but disappear once you retire. On the flipside, it could wind up being higher for other workers, especially if they live in a state with a high income tax or expect to put their grandchildren through college. When Blanchett looked at four households earning between $37,500 and $225,000 a year, and factored in what they would need to have once they were no longer paying for these expenses in retirement, he found their ideal replacement rates varied widely — as low as 54% and as high as 87%. “Although a rule of thumb replacement rate of 70% to 80% is clearly reasonable, it isn’t ideal, and moreover, it is clear that the replacement rate is sensitive to the proportion of pre-tax expenses and post-tax expenses,” he says.Comment: My own take is that we have under-saved and that we started about 10 years too late. Most recent projections for us see us retiring a bit later: Kathee at 65 ... me at 67 (3 more years)
By the time this posts, I will have given my 7 minute speech (I have a hard time fitting all into 7 minutes - but that is my allotted time).
Outline is as follows:
Comment: Full coverage on Detroit's bankruptcy from the Detroit Free Press. List of Mayors
Judge rules Detroit eligible for historic Chapter 9 bankruptcy, says pensions can be cut
How Detroit went broke
Detroit's bankruptcy will be painful in destitute, desperate city
Editorial: Bankruptcy eligibility ruling a victory for Detroiters
Comment: Debt will ruin a home, a church, a city, a state, a country!
