Housing Bubble, credit bubble, public planning, land use, zoning and transportation in the exurban environment. Specific criticism of smart growth, neotradtional, forms based, new urbanism and other top down planner schemes to increase urban extent and density. Ventura County, California specific examples.
I am sure the profits out ran the penalty, Touch down Buffet.
Simple caps on student loans, two government guaranteed home loans limit. Credit card carried debt no more then 10% net annual income. Car loans need 20% down no carried debt forward allowed. NO INVESTMENT BANKING if you do consumer banking and loans. Now wasn't that easy! :)
In Dawgifornia banks are only allowed to be the largest in one Imperial district and can only be in three of the other four districts. Loan restrictions are similar to LBDs list except there are no govt guarantees on asset time purchases.
Oh and the entire financial industry is banking or investment or insurance. Pick one and only one. No phony Chinese firewalls. Not even similar names. Oh, and no holding companies. No regulation shopping either.
Hub is ordering pizza for the super bowl, which Im very happy about, since we've done so much today. Very gloomy today. I read Kali is going into drought again. I went to his play today and people liked it.
Hmmmm, a mass breaking of the rules??? In Balto they were turning cars over and setting them on fire. I was out I n it and got out of there as soon as possible.
People trying to extract money from a rich mans sport. How about banning boxing they certainly take a hard hit to the head. If you are afraid of the chances don't play and wrap your kid in bubble wrap.
Good Morning Lizzy M. Went to friends for a Superb owl party. Good game with good as well as stupid plays. I played football in HS and know how hard it is to see what is happening. Esp if you play lineman. Lots of physical talent on display. As usual the food could feed an army. Good stuff. Good Booze. Good Friends. Good Conversations. Two of my friends are undergoing a recall vote for their positions on the local water board. Local politics are so vicious because the stakes are so small.
Good morning. Up earlybeoken by a storm squall. Ten minutes of horizontal rain that disappeared as fast as it showed up. Whale watching mid day. Should be clear by then.
Walt’s a good guy and I value his observations but he’s having a little trouble coming to terms that Donald Trump might be the legitimate President and the Dem Party might have some flaws to address.
The system puked up our current occupier of the Oval Office fair and square. Too bad I can't post photos of where we hang on the Big Island. Nice to have billionaire friends.
Over the years we have had a few friends smack the crash, ring the bell and sadly bury a friend and competitor. Life is risk and that is why the stands are full of fans. I would rather be the worst competitor then the best fan.
Trump is the best of the worst and the political system is so corrupt we really do need the change and transparity he has created.
MSM is chewing it's self up. The Memo may lead to what many of us have always thought that the FBI, AG, IRS were tools of the Clinton Crime family. The swap needs a good clean out once and a while.
The Market was a little over sold I would says. :)
Never bought that "millenials love the inner city" BS. They want all the same things their parents did, they just haven't had the money for them. -- If this marks the beginning of the bear market, their parents eventually won't have the money either.
All commentators are saying don't sell. They never say sell, whether the not is up or down. In the buying off you nose to spite your face department, if it makes Trump unhappy, I'm happy. Well we needed a correction, Anyhow. Actually we need slightly more that a correction.
There was a picture on Market Watch ?? Which showed some traders looking at something and the bald one had sweat on his bald head. Never let the. See you sweat, right? Fires down.
A live happier teaching moment. Was down a half what most people lost on average recently. Gaining half that back this morning. If I had been doing this right and checking the score once a week or less the whipsaw would have been lost on me and a shrug of the shoulders, “ehh down a bit” would have been all I had seen.
Bowling! Down to sorting out 3 balls and want to get to 2. Last ball getting polished for spare shots. A lot more to this as I finally want to get better.
My roofer confessed to poaching other roofers workers. I think this means someone down the food chain must be hiring new inexperienced workers. Lots of blue tarps on roofs still.
You could build manufactured housing or trailers much stronger with better tie downs, perhaps with concrete pads and much prettier, or bigger and I daresay nobody much would want to live in them. Except people who wanted to upgrade from yucky trailers since these would cost more than the old trailers but much less than regular housing. Nor would Kali be apt to approve them anywhere.
Trailers in most of the country are for lower price point customers. They can be built just like a stick house or any design but not a low price point. IMO
Stock market has little to do with any President - other than the Prez potentially providing a calming effect when crises arise.
As for the tax cuts - I think it's much ado about nothing. In "annual" size, the Trump cut ends up being incredibly close to the dollar impact of the Obama Payroll Tax Holiday, (~120b). And what impact did that have? Hardly any. There was no demonstrable plus during the 2 years it was in effect - nor was there any obvious plunge when it was taken away.
The math is simple. In a $19 Trillion economy, $120b is a rounding error.
The country runs a lot on emotion, more all the time. If you don't know how to make money you probably don't know how to spend it wisely either. For the Win Bankster another payment manufactured!
I don't remember any Obama payroll tax holiday. But comparing that to the December 2017 tax cuts is a bit of a stretch. Reducing corporate taxes has the potential to produce sustained improvements by incentivizing investing in people, plants, and equipment. If an improvement in productivity results, many good things can happen.
So sub-middle-class muppets used the payroll tax holiday for down payments on more debt? Wonderful. That's like a hit of speed, with all of the unpleasant after-effects.
Those subprime car loans don't pay for themselves. Wait those are the ones that generally don't get paid off and the bonus is letting them pull the negative equity forward on another new car. Double down score for the banksters!
A temporary, one-year reduction in the FICA payroll tax. The normal employee rate of 6.2 percent is reduced to 4.2 percent. The rate for self-employed individuals is reduced from 12.4 percent to 10.4 percent.[9] The negative revenue impact of this measure was estimated at $111 billion.[7]
Extends the two percent Social Security payroll tax cut for one year (first enacted for 2011)
To my knowledge, the payroll tax reduction (2%) was across the board.
While I get the 'concept' that the business-centric cuts 'could potentially' be an incentive for investing and growing a given business ... what I haven't seen is a good estimate of the actual division of "how much for individuals" vs. "how much for businesses". I've only seen the "total" of 1-1.5T (over 10 years), and a lot of spin from both sides on whether this or that person will get the most money. Ultimately, there is no "mandate" to business about what they do. If they give it to employees as bonuses, then it works pretty much like the original cut, (though they'll have to pay tax on those bonuses). If they use it to buy back more stock, (a fairly common strategy for profitable businesses during most of The Slog), then no obvious positive broad based economic benefit.
My personal view is that a lot of the payroll tax reduction just got funneled to debt reduction (as people continued shoveling themselves out from under the debt they amassed heading into the "Great Recession" In this case, I have even less confidence it will have any significant impact, since there simply aren't a bunch of people out there waiting for work - and Trump anti-immigration policies (if fully enacted), will be reducing that number.
I think the bulk of the "business" and "fat cat" proceeds from the tax break will vanish in stock buybacks, bonuses, and speculation with a pittance of the whole actually being routed to investment. As for that going to the working class -- like the payroll tax reduction, it'll mostly go to reducing debt, or more likely, most of it gets wiped out by annual health care premium increases.
My view is that while the tax cuts "might" be beneficial if enacted during a recession ... given a stable, growing economy, either at or near full employment, it is precisely the WORST time possible to make such a move.
We really aren't going to know how the tax changes work out until the 2018 returns get filed and analyzed. No doubt CPAs are working overtime to find the angles they will use in preparation of the those filings.
My hope is that the fiscal stim from the tax bill will offset some of the monetary tightening that is expected this year, as the Fed raises short-term rates and begins the process of unloading its balance sheet into the market. Some have described this as QT (quantitative tightening).
I think there there are still people out there would take work at the right price, but they are currently counted as "not in the work force". Also, there are a lot of people counted as "employed" who are really just working one or two part-time jobs. Both of these aspects of the employment mix should see change, and the change should be a bit inflationary if it really happens. Rising wages would support the Fed's expected moves to raise rates.
I can see the parade as a sticky ball rolling downhill. Trump prolly said wouldn’t it be great if the US could be proud of our strong military like some other countries. From there it took in a life if it’s own.
Near bed time. Had a great ride along the american river canyon wall. Perfect spring weather. Guess winter has been canceled. Maybe if there is a big parade winter will return.
Winter still here, snow in the forecast this weekend. Small plumbing jobs under way. Looks like I will do some rental updating in the near future. five months empty and low rent is not working. The recession is still here and may get worse if Bon Ton closes more stores in their bankruptcy. Second of the three anchor businesses at the mall.
Marathons? We just sightsee. Okay, we sightsee up steep mountain trails in tropical island forests. Mrs Dawg is step for step except when I want a special picture. She usually stays back away from the danger readyvto take an evidence picture of my body for insurance purposes. Today a Rum distillery and a beach with snorkeling. Home late Friday night. Our kittehs have likely gone feral by now.
Spent a couple hours at the Farm and AG show. Lots of neat equipment and every bankster around there with loan deals. Poor farmers and Happy Banksters. :)
Off to Cardiac rehab. Dr. orders pretty much the same as I do at home except they monitor my heart. Any comments on a health device for exercising? home EKG out yet? Thanks
147 comments:
I don't see anything
Me either.
Post the picture again
Wells Fargo must be destroyed. At least they are kicking off some board members.
Aloha!
Wind and snow this AM.
Bankster biz needs a major cut back and broken up.
Yep. Just a place to start, as they
seem to be No 1 in evil.
Wells Fargo just got a severe talking too for their misdeeds.
Good morning. 6am here. I’ll edit the post for the pretty fishies pictures.
Fish have appeared.
Wells Fargo
https://www.npr.org/sections/thetwo-way/2018/02/03/583014020/fed-slaps-unusual-penalty-on-wells-fargo-following-widespread-consumer-abuses
I am sure the profits out ran the penalty, Touch down Buffet.
Simple caps on student loans, two government guaranteed home loans limit. Credit card carried debt no more then 10% net annual income. Car loans need 20% down no carried debt forward allowed. NO INVESTMENT BANKING if you do consumer banking and loans. Now wasn't that easy! :)
In Dawgifornia banks are only allowed to be the largest in one Imperial district and can only be in three of the other four districts. Loan restrictions are similar to LBDs list except there are no govt guarantees on asset time purchases.
Oh and the entire financial industry is banking or investment or insurance. Pick one and only one. No phony Chinese firewalls. Not even similar names. Oh, and no holding companies. No regulation shopping either.
+10 RD
Yep, yep, yep.
Can we have a moment of silence to Honor the 200th Birthday of emperor Norton 1?
Silence? This calls for a party!
http://www.sfweekly.com/news/the-emperors-birthday/
Who is emperor Norton?
Hub is ordering pizza for the super bowl, which Im very happy about, since we've done so much today. Very gloomy today. I read Kali is going into drought again. I went to his play today and people liked it.
Oh, a nut.
A California Nut. Special.
He could run for Governor today and win! Some times you feel like a nut, some time you don't!
I am half watching and the Eagle made a mighty catch.
I don't like the commercials.
Touchdown.
I'm watching Puppy Bowl reruns. Much better.
The Aussie tourism commercial was good.
Well, Philly is scruffy so I guess it's nice.they accomplish something.
Walked 8.0 miles today. 26.6 last three days.
Don't feel good today. Couldn't walk a mile petiod.
Eagles fans tearing the city down. Pulling all the poles down. (Most of them are white, on my observation) and all guys.
What motivates this. I've seen in Baltimore after a big win, years ago.
Hmmmm, a mass breaking of the rules??? In Balto they were turning cars over and setting them on fire. I was out I n it and got out of there as soon as possible.
Good Morning!
Idiot adult children, riot police should have stopped this nonsense decades ago.
It's only a game and part of why I don't care for sports anymore.
All those concusions, and shorting of lifespan put me off. Bring out the lions and leopards to roam around during the game. In Roman style.
Hmm, like running of bulls, throw tomatoes day, reverse roles day etc.
Where is trader Walt? The advisors always say don't sell. I think this is true this time, but won't always.
Buy the dip, when. It gets more dippy.
People trying to extract money from a rich mans sport. How about banning boxing they certainly take a hard hit to the head. If you are afraid of the chances don't play and wrap your kid in bubble wrap.
Ok, ban boxing. Luckily my kid was a band kid and only play touch foot ball with his friends.
Good Morning Lizzy M. Went to friends for a Superb owl party. Good game with good as well as stupid plays. I played football in HS and know how hard it is to see what is happening. Esp if you play lineman. Lots of physical talent on display.
As usual the food could feed an army. Good stuff. Good Booze. Good Friends. Good Conversations. Two of my friends are undergoing a recall vote for their positions on the local water board. Local politics are so vicious because the stakes are so small.
> Bring out the lions and leopards to roam around during the game. In Roman style.
Not good for the animals. All those steroids and chemicals and fatty meat.
Yeah, university politics too. Talent, yes. A few of those catches were unbelievable.
Good morning. Up earlybeoken by a storm squall. Ten minutes of horizontal rain that disappeared as fast as it showed up. Whale watching mid day. Should be clear by then.
Walt’s a good guy and I value his observations but he’s having a little trouble coming to terms that Donald Trump might be the legitimate President and the Dem Party might have some flaws to address.
The system puked up our current occupier of the Oval Office fair and square.
Too bad I can't post photos of where we hang on the Big Island. Nice to have billionaire friends.
Yeah, but my question is whether we can survive the orange one, who seems opposed to all our systems of government, and trying to destroy them.
Over the years we have had a few friends smack the crash, ring the bell and sadly bury a friend and competitor. Life is risk and that is why the stands are full of fans. I would rather be the worst competitor then the best fan.
Trump is the best of the worst and the political system is so corrupt we really do need the change and transparity he has created.
Dow down 248 at the moment .
He Has caused transparency? How, what is transparent that wasn't before?.
So a correction in another thousand points or so?
MSM is chewing it's self up. The Memo may lead to what many of us have always thought that the FBI, AG, IRS were tools of the Clinton Crime family. The swap needs a good clean out once and a while.
The Market was a little over sold I would says. :)
Nah 1500. Then, buy. the dip.🍜🥗
Agreed, but Trumps not gonna do that.
Dow down 551! Will it reach 1500 in no time.
Will Trump take credit for this too??
Reminds me of olde times. Hoocouldanode?
Now it's down 620.
Now 850.
Briefly 1000+. I may have to sell my return ticket.
Now 1050, was 1500!!
It's Obama's fault
1179
Just stay in Hawaii, in a cheaper room.
Don’t mess with the deep State.
What a ride! Still making a fortune compared to CD's and savings.
It's Bush's fault!
18,332.74, Nov 8, 2016.
Just think how deep the fall would have been without Reagan's, Bush2 and the current holder of the Oval Office's tax cuts!!!!!
Trump caused the increase?
It's the fault of the guy behind the curtain! :)
Hehehehe
Nobody is at fault for anything
The 'burbs are back. This must be the recovery.
https://www.marketwatch.com/story/american-surburbs-are-on-the-rise-again-and-its-millennials-who-are-moving-there-2017-03-25
https://blogs.wsj.com/economics/2017/03/23/the-outer-suburbs-are-once-again-outgrowing-cities/?link=mktw
Never bought that "millenials love the inner city" BS. They want all the same things their parents did, they just haven't had the money for them.
--
If this marks the beginning of the bear market, their parents eventually won't have the money either.
Good Morning!
Who gets up this early? Dr. day, lunch and bowling.
If you want a family inner city isn't that appealing. IMO
Long drives aren't appealing either. My son's house is in an inner subururb, I guess. One could say the whole town of Champaign was an inner suburb.
All commentators are saying don't sell. They never say sell, whether the not is up or down.
In the buying off you nose to spite your face department, if it makes Trump unhappy, I'm happy. Well we needed a correction, Anyhow. Actually we need slightly more that a correction.
Market is up. .
Biting
Kids need to be near other kids.
There was a picture on Market Watch ?? Which showed some traders looking at something and the bald one had sweat on his bald head. Never let the. See you sweat, right? Fires down.
Futes Down DYAC.
Stock market went up way to fast to be stable so anybody who is surprised just go a lesson.
I guess "the rich" lost a lot of money.
Wouldn't it be ironic if the tax cuts caused the mkts to go down so much that it was a wash? Of course the causes and effects are very obscure.
The Supremes have struck down the Pennsylvania gerrymandering yay.
Oops, stock most down at opening. Must check again.
Now up. I should quit checking.
Launch slipped 30 minutes.
A live happier teaching moment. Was down a half what most people lost on average recently. Gaining half that back this morning. If I had been doing this right and checking the score once a week or less the whipsaw would have been lost on me and a shrug of the shoulders, “ehh down a bit” would have been all I had seen.
You do agree that we need a correction.
Neanderthals used fire scorched digging wooden sticks 171k years ago. Not promitive, I think.
Or primitive either.
Corrections aren’t supposed to wipe out four months of gains in three days. We could still have a correction from here.
Reading market tales of woe. Take away. When you have Achieved 90% of what you wanted, quit, take the money and run.
Oh, agree.
But they did. Only did 20% of what my fiancial adviser advised. Appointment soon
Saw launch. Cool.
Where is everybody?
Whales spotted off Echo Beach.
Might be time to take a ride out to the islands and look around.
Ooh, someone posted a nice sunset shot over the islands:
https://d3926qxcw0e1bh.cloudfront.net/post_photos/cc/fa/ccfaea0cf38fadbb50c69c2eaee9a479.jpg
Bowling! Down to sorting out 3 balls and want to get to 2. Last ball getting polished for spare shots. A lot more to this as I finally want to get better.
Hey, 101 comments.
Gnite, everybody.
And good morning
Are more workers being hired to fix, Kali's numerous disasters? And Florida's roofs?
My roofer confessed to poaching other roofers workers. I think this means someone down the food chain must be hiring new inexperienced workers. Lots of blue tarps on roofs still.
A roofer here to fix a small glitch. He has a very heavy Spanish accent. Should I ask for his papers? Not on your life!!!
Como estas Amigos!
I never ask as the money we send the politicians is to control the problem. It's the government not the people.
If we built anything else like we build houses they too would cost as much and break as expensively and as often.
Nice North Shore excursion. Heavy weather bits. Low surf. Good to get out of the city.
Speaking of miss use of data Mish has a nice pile of data and the media misuse.
https://www.themaven.net/mishtalk/economics/acceleration-in-wage-growth-is-a-statistical-mirage-thWPAdjx30uQg6lKh35NLg
Have a fun day RD, I picture the place back in the late 50's and early 60's before the insane growth.
You could build manufactured housing or trailers much stronger with better tie downs, perhaps with concrete pads and much prettier, or bigger and I daresay nobody much would want to live in them. Except people who wanted to upgrade from yucky trailers since these would cost more than the old trailers but much less than regular housing. Nor would Kali be apt to approve them anywhere.
Another political flip.
New houses are too big. How many people really use 4000 sf?
Trailers in most of the country are for lower price point customers. They can be built just like a stick house or any design but not a low price point. IMO
A STATEHOUSE seat. Was heavily Trump.I
Zillow has trashed my house value. Wonder when they'll get around to noticing my new roof.
Random thoughts on market and Trump tax cut.
Stock market has little to do with any President - other than the Prez potentially providing a calming effect when crises arise.
As for the tax cuts - I think it's much ado about nothing. In "annual" size, the Trump cut ends up being incredibly close to the dollar impact of the Obama Payroll Tax Holiday, (~120b). And what impact did that have? Hardly any. There was no demonstrable plus during the 2 years it was in effect - nor was there any obvious plunge when it was taken away.
The math is simple. In a $19 Trillion economy, $120b is a rounding error.
The country runs a lot on emotion, more all the time. If you don't know how to make money you probably don't know how to spend it wisely either. For the Win Bankster another payment manufactured!
Oh, boy, my clients had no idea of how to spend. And they certainly had no idea how to save!
Many had no idea that it might be a good idea to put your daily change money into a glass jar.
I don't even remember a payroll tax holiday. When was that?
I also told them to put a little extra mooney against their mortgage. I think no one ever did that.
I don't remember any Obama payroll tax holiday. But comparing that to the December 2017 tax cuts is a bit of a stretch. Reducing corporate taxes has the potential to produce sustained improvements by incentivizing investing in people, plants, and equipment. If an improvement in productivity results, many good things can happen.
There was a year (2009 maybe?) that Obama did a one time refund on the lower quartile. If you made more than 40k then you probably didn't see it.
It was right around the time of cash for clunkers so everyone used it to go buy a new car.
So sub-middle-class muppets used the payroll tax holiday for down payments on more debt? Wonderful. That's like a hit of speed, with all of the unpleasant after-effects.
Those subprime car loans don't pay for themselves. Wait those are the ones that generally don't get paid off and the bonus is letting them pull the negative equity forward on another new car. Double down score for the banksters!
A rolling loan gathers no loss
https://en.wikipedia.org/wiki/Tax_Relief,_Unemployment_Insurance_Reauthorization,_and_Job_Creation_Act_of_2010
A temporary, one-year reduction in the FICA payroll tax. The normal employee rate of 6.2 percent is reduced to 4.2 percent. The rate for self-employed individuals is reduced from 12.4 percent to 10.4 percent.[9] The negative revenue impact of this measure was estimated at $111 billion.[7]
https://en.wikipedia.org/wiki/Middle_Class_Tax_Relief_and_Job_Creation_Act_of_2012
Extends the two percent Social Security payroll tax cut for one year (first enacted for 2011)
To my knowledge, the payroll tax reduction (2%) was across the board.
While I get the 'concept' that the business-centric cuts 'could potentially' be an incentive for investing and growing a given business ... what I haven't seen is a good estimate of the actual division of "how much for individuals" vs. "how much for businesses". I've only seen the "total" of 1-1.5T (over 10 years), and a lot of spin from both sides on whether this or that person will get the most money. Ultimately, there is no "mandate" to business about what they do. If they give it to employees as bonuses, then it works pretty much like the original cut, (though they'll have to pay tax on those bonuses). If they use it to buy back more stock, (a fairly common strategy for profitable businesses during most of The Slog), then no obvious positive broad based economic benefit.
My personal view is that a lot of the payroll tax reduction just got funneled to debt reduction (as people continued shoveling themselves out from under the debt they amassed heading into the "Great Recession" In this case, I have even less confidence it will have any significant impact, since there simply aren't a bunch of people out there waiting for work - and Trump anti-immigration policies (if fully enacted), will be reducing that number.
I think the bulk of the "business" and "fat cat" proceeds from the tax break will vanish in stock buybacks, bonuses, and speculation with a pittance of the whole actually being routed to investment. As for that going to the working class -- like the payroll tax reduction, it'll mostly go to reducing debt, or more likely, most of it gets wiped out by annual health care premium increases.
My view is that while the tax cuts "might" be beneficial if enacted during a recession ... given a stable, growing economy, either at or near full employment, it is precisely the WORST time possible to make such a move.
Hehehehehe
We really aren't going to know how the tax changes work out until the 2018 returns get filed and analyzed. No doubt CPAs are working overtime to find the angles they will use in preparation of the those filings.
My hope is that the fiscal stim from the tax bill will offset some of the monetary tightening that is expected this year, as the Fed raises short-term rates and begins the process of unloading its balance sheet into the market. Some have described this as QT (quantitative tightening).
I think there there are still people out there would take work at the right price, but they are currently counted as "not in the work force". Also, there are a lot of people counted as "employed" who are really just working one or two part-time jobs. Both of these aspects of the employment mix should see change, and the change should be a bit inflationary if it really happens. Rising wages would support the Fed's expected moves to raise rates.
What do you think of the propose parade??
I like it long over due. It will make Rocket mans look like a bunch of 1950's junk.
I see a TESLA got off the ground but the GPS guidance is a bit off. ;)
Elon burned through 2/3rds of a billion dollars last quarter. What are investors thinking?
I can see the parade as a sticky ball rolling downhill. Trump prolly said wouldn’t it be great if the US could be proud of our strong military like some other countries. From there it took in a life if it’s own.
Near bed time.
Had a great ride along the american river canyon wall. Perfect spring weather. Guess winter has been canceled. Maybe if there is a big parade winter will return.
7.7 miles today. Took prolly 200 pictures. Nearly all keepers. Three botanical gardens. Fun.
Post some of the pictures!!!
Do you fish?
Missus Dawg come on marathons with you?
Good Morning!
Winter still here, snow in the forecast this weekend. Small plumbing jobs under way. Looks like I will do some rental updating in the near future. five months empty and low rent is not working. The recession is still here and may get worse if Bon Ton closes more stores in their bankruptcy. Second of the three anchor businesses at the mall.
Bah, lost my ancestry screed.
Marathons? We just sightsee. Okay, we sightsee up steep mountain trails in tropical island forests. Mrs Dawg is step for step except when I want a special picture. She usually stays back away from the danger readyvto take an evidence picture of my body for insurance purposes. Today a Rum distillery and a beach with snorkeling. Home late Friday night. Our kittehs have likely gone feral by now.
Spent a couple hours at the Farm and AG show. Lots of neat equipment and every bankster around there with loan deals. Poor farmers and Happy Banksters. :)
Am 2% Finnish Russian.
The roolller coaster still dropping! Weeee! when will it pull up? :)
If you knew, wouldn't be so much fun.
Hey Liz:
If you were thinking about buying stock in the company that makes Roombas, it's on sale right now:
https://www.marketwatch.com/investing/stock/irbt
Good Morning!
Off to Cardiac rehab. Dr. orders pretty much the same as I do at home except they monitor my heart. Any comments on a health device for exercising? home EKG out yet? Thanks
Good Evening!
Light snow and cold again, winter isn't over.
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