Category Archives: money

Social Status

I often sound like a broken record but I guess I am like Dori of Finding Nemo fame. Ideas that I have encountered previously pop up and I’m like “You look familiar.” I was driving to work today wondering how people get scammed by the same hustles over and over. I also was wondering how I continue to allow myself to endure disrespect, abuse and isolation. Unfortunately i did not motivate myself enough to remove myself from my current shit-uation but the idea that resurface is people want to feel exceptional.

Oh now I remember what sparked the idea. It was a song I was listening to on Youtube. In essence they guy was praying to God not to allow him to just be another nobody. I wondered, why would you not want to be like everyone else. In actuality you are almost identical to everyone else. Given the same geographic location, education, familial structure, and other environmental conditions you are almost the same as the other guy. That is why the kids in the upscale community have similar stats and they are different from the kids in poverty who have stats identical to other kids in poverty.

So why was this singer praying to God to make him exceptional? It is because we are social animals and we gain approval and validation from our peers and others. We need people to prop us up emotionally and psychologically.

I recently watched a nature documentary on a troop of monkeys in India. What it showed was the social hierarchy of the monkeys is deadly serious to the point where if you are of low social status you may starve to death. Just as we have a social order where crime and violence are shunned, the same translates to this and other groups pf primates. A monkey could simply grab the food from a higher ranking one but they do not. Their conformance to the social order causes them to starve to the point of death unless a higher ranking monkey authorities them to eat or adopts them and inducts them into the higher social class where they have access to the first share of food.

So the singer, a human, a so-called higher form of primate still lives by the primitive social constructs to which we all subscribe. The higher you are in status, the greater access you have to human resources. People who view you as deserving of special treatment, are invaluable. Soldiers fight and die based upon the imaginary social hierarchy that allows the commanding officer to order them to take that hill. A woman is able to extract resources from a man who works to wine, dine and gift her fine things, because he holds her of higher value than himself. In the case of a pimp, he is able to extract resources from a woman who most likely has suffered so much trauma she believes her social status to be very low.

We are social animals. All relationships are transnational. Therefore you can negotiate the profit margin in your transaction based upon your perceived social status in the troop. This to me explains the innate capacity for humans, especially myself to express Stockholm Syndrome, which people now call Trauma Bonding.

So now that we are aware of this, what is to be done? The benefit of a soicial order is the capacity to collaborate, but it is like the proverbial golden handcuffs which also debilitate.

 

Photo credit: Huxley, T. H. (1904). Science and education: Essays. JA Hill and company

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Gen Y doesn’t care Why

Just read an article that the trading platform Robin Hood now has a 7 Billion dollar valuation. The app iti totally phone based, and you cannot manage your account via a computer as of this writing.

I had an account for a short time and actually made some money using it. The great feature is that the trading is commission free. They cover the costs by selling your information to who knows what entity, maybe they sell it to R Kelly or Woody Allen or Jeffrey Epstein(since he faked his death), Citizens United or some other sick individual or corporation. Who knows? They won’t tell you.

One day Robinhood sent me a message that in order to continue trading I would have to provide them with some totally non financial and non tax related information. I thought to myself why the capital F do you need this information? The capitalist in me enjoyed the commission free trades but the Libertarian in me said GTFOH byotch! So I requested my account be closed.

A similar thing happened with the micro investing app Prosper. It seems unless you give these companies your underwear size they wont allow you to make a buck. You already have my social security number, name, address, age, DOB and some of my money. What else do you bastards want?

This is another precursor or indicator of the requirement to take on the mark of the beast in order to conduct commerce(See Revelations in the Bible).

Most of these apps are targeted to the Gen Y. Lets just for writing effect call them Gen YOLO. They have facial scanning, fingerprint scanning, location sharing, constant social media exposing lives. I am an old fart and happy to be so. I remember when there were no mobile phones during the 80s and early 90s. We were so free. Who knew convenience was so oppressive?

You YOLOs can go ahead and share all of your life on the digital heathcare databases. As we can see by the string of hacks at CapitalOne, Target, and even worse Equifax, no information is safe. I guess when you have 10000 online friends and are filled with anxiety and loneliness they only way to feel not so lonely is to have your guts showing on multiple screens across the world.

I say no, I say no to you YOLO culture. Stay out of my business government. Stay out of my business corporations. Heck, there’s so much surveillance but we cant catch seriously dangerous criminals. All we can do is sell people advertising and in the process cause their identity to be stolen by some guy in India or Nigeria.

But I’m just an old Cardi B fart anyways.

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As long as my bitches love me

Drake has a song, I believe it is featuring the artists known as Future. Part of his chorus or hook is: “Long as my bitches love me.”

What Drake has known and proven, is that having validation from the female consumer is the most important thing to being successful in selling consumer products. B2B products on the other hand is male dominated end user environment.

Statistics show that approximately 75% of household consumption is done by women. Therefore when marketing a product, the largest demographic you should place your focus on, for sustainable sales, is the female consumer i.e. “bitches”.

Recently I read an article detailing how America’s consumerism causes a lot of waste and garbage. Approximately 68% of our economy is driven by consumers. Consumers eventually produce waste. China and other formerly developing-now first world countries are refusing to take our recyclable and non recyclable waste. Now towns in America are faced with the problem of the old method of dumping onto landfills and burning our garbage to get rid of it.

Landfills leach pollutants into the earth and eventually into the water table and in turn into the oceans. Burning waste releases carcinogens including PCBs and a multitude of hazardous materials into the environment.

If we care so much about the environment and claim to be “WOKE” why are we buying so much stuff? I may  have mentioned in previous post that 24% of women are on prescription antidepressants or some other psychotropic to cope with life. Coping mechanisms of the depressed and anxiety suffering include: retail therapy i.e. shopping, eating, social media and other methods of self medication. Saving, minimalism and frugality are associated with restriction which makes one even more anxiety prone. So more bags, more shoes, more trips, more unused exercise equipment, unused gym subscriptions, unused cosmetics are purchased as treatment for psychological, emotional and or chemical imbalance.

This extends even to partner to such a person. In a relationship with a consumerist. you must fork over gifts on birthdays, Christmas, valentines and mothers day or you will be abused psychologically, emotionally, socially, and possibly physically. You do not want to face the wrath of their anxiety so you must be economically exploited and abused in order to increase the social coins a woman collects from her peer group when she displays the gifts.

There is a connection between the female driven consumerist society and the destruction of the earth. All of the amazon boxes, Styrofoam peanuts, plastic airbags, silica packets, plastic adhesive tape and other packaging waste is reaching a critical point. I have not even mentioned the discarding of the actual products, but many articles have been written on the detrimental effects of fast fashion on the environment.

In conclusion this post may be invalidated as it is written by a toxic male. Fortunately or unfortunately facts are not relative to the messenger, they are just facts. The most important woman, mother nature, will eventually regurgitate the trash we are feeding her and destroy all human  life. Justice will be served. We will continue to delude ourselves that we can consume our way into happiness until we demand that the stereotypes of shop-till-you-drop, retail therapy, materialism be removed from media and elsewhere. Demand real solutions to anxiety, depression, loneliness and mental illness and not simply the treatment of symptoms or sedation. End our hypocrisy of being “woke” on the environment while simultaneously trashing it. As woman make up 51% of the global population, they should lead the cause to reduce consumerism, and it’s waste by-products, and legitimately help their sister, Mother Earth.

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Living on the cheap

Recently I made a new male friend. This is rare for me as I am weary about having any new friends at this age. I have a complete collector’s set of useful, useless, user and multi-dimensional friends already.

Now this middle aged gentleman by all appearances is worldly, charismatic, youthful and self-driven. We had great conversations mostly about women, real estate, cars, investing, religion, politics and other middle aged guy stuff that I enjoy talking about.

One day he offers me a used jacket. I didn’t need or want it, but I did not want to offend. He goes into the trunk of his coupe and I notice it is filled with duffel bags and knapsacks neatly arranged in a stack. It seemed strange to me immediately that someone would keep so much stuff in his car. Admittedly I am a hoarder, and I still found that weird. This wasn’t hoarding, hoarders don’t keep things so methodical.

On another occasion, he invited me to go to the gym. I said what the heck, I can work out for free and have light conversation with a like minded person. So we went to the gym. He did what I thought to be non-productive exercises, that neither contributed to his aerobic or aesthetic improvement. Being the control freak I am, I had to restrain myself from saying ‘What are you doing bro?’ so eventually he finished his special workout and went to the showers. I continued my free workout and did some treadmill and some abdominal work. He was in the shower for maybe 25 minutes, which seemed like a long time to take a shower in a gym. He informed me that he goes to the gym, every single day. That was also strange as even a wimp like myself knows muscle has to rest.

All of the times we met up to have beers or talk shop we were at his office. He mentioned that he is in the office almost 24/7. That’s when I put it together that this guy was sleeping in his office(his military experience helps), showering at the gym and storing his personal effects in his car.

I found it to be economically ingenious and Ted Kaczynski like creepy at the same time. His overhead breaks down something like the following(approximately):

Old Car(Already paid off) – $0/ month

Car Insurance(Out of state) – $50/month

Car registration/tax(Out of state) – $10/month

Office space(works there) – $0/month

Food(Hes skinny) – $500/month

Gym membership – $20/month

Internet(office, starbucks, etc) – $0/month

Cable(Youtube, see above) – $0/month

Cellphone – $80/month

Gasoline – $100/month

So totaling all of the above assumptions comes up to $760/month  to live in New York. He could potentially work at a job paying $6.33/hour(before taxes) and pull it off. I am so impressed by the ingenuity that I really don’t care why he chooses to live this way. I have heard of tent cities growing in the woods of New Jersey, people living in RVs, people renting rooms, but not people showering at the gym and living in their office and car. The phrase [necessity is the mother of invention] seems to always ring true. Especially in a high rent market such as NYC, you have to be an inventor.

One bedroom studious in the dankest of areas go for close to $1200. Rooming and sharing bathrooms and kitchens start at $800. Your romantic life may suffer as ladies don’t want to snuggle at your office but you could amass a significant amount of saving in a short time and eventually purchase a home. The possibilities are endless when you have cash.

In conclusion. You can make it in New York. You just have to think outside of the box, small apartment or cubicle.

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Pater John’s Pizza Furlough

Some month’s ago, around the 2012 elections, Papa Johns Pizza threatened to cut workers hours in efforts to avoid paying health insurance under Obama’s health plan. There was a public uproar causing the head of Papa John’s to backpedal faster than Lance Armstrong on steroids.

Other companies and C.E.O.s also threatened to cut worker’s hours, close their businesses, and even outsource to Asia and in general repressive nations. Papa Johns provides a product and service that cannot be outsourced overseas so this is the best they can do. Also, I don’t think they could find a better market that a country with an obesity epidemic.

Let me get to the point in a New York Minute. We should applaud Papa John’s. There are still many unemployed and even though companies may cut part-time hours there customers do not stop eating. They will need coverage during the same hours they had previously by hiring more workers. They will have to have more workers and less hours per worker. Overall this will diminish the officially reported number of unemployed people. Maybe the Obama administration expected this reaction, but probably not. Either way this can be a good knee-jerk reaction by Papa John’s, Olive Garden, etc. for the hordes of unemployed.

The recent hub-bub about the sequester and the furlough or government workers is similar. Let us cut the individual worker’s hours to save the companies, save the jobs and give more opportunities to more people. I would be willing to work only three(3) days per week than have another guy work my other two(2) days. Or we can alternate some other way. We both would be able to live more, spend time with family, maybe even read a book made of paper, go back to school, write a screenplay. We would have enough money to eek out an existence and still have a real life! Let the furloughs begin!

Stop, theif!!

Today I want to rant about wage theft. I’m certain anyone that works for a salary and not an hourly wage can identify with what I will write.

Now all my young adult like I aspired to make thousands of dollars so I could make my parents proud and fund my creative activities and partying. When I was finally offered a living wage. I realized the concessions necessary to maintain that job compromised time with family and doing the fun things I expected the job to finance. I especially was not making a living wage if I divided my earnings by the amount of hours I worked and multiplied by 40 hours.

I felt deceived, no, dare I say, I felt robbed. Recently the HR department presented all the workers with a contract regarding “Wage Theft.” How dare they! Anyways just as we are all doing, I quivered in fear of reprisals and signed stating that the company has been compensating for hours worked over 40/week. By my calculations I have been robbed $16,000/year working overtime without compensation.

I must say though, that nowhere does it state that workers must work extra hours. It is an unspoken rule, somewhat of a culture. On at least two occasions it has gone beyond unspoken when my boss has stated [we all need to stay late, and if that’s a problem then we have a problem.] Being the submissive, yes-man that I am, I did not grab him by the throat ant throttle his wrinkly neck.

I must say that labor has gotten weak. What happened to the unions backed by Mafia dons who would punish these bosses and spread the spoils to keep the troops in good morale?(I’ve been watching a lot of Mafia documentaries of late.) Companies would not dare to send jobs away to another country or even state. They would not dare anger labor who had physical prowess to backup their pageantry.

I will close by saying that I am grateful that I am working for this company, in a time where jobs are scarce. I am definitely loyal and will provide them with a positive ROI. For how long is the only question, as I will take my talents elsewhere in conditions do not improve. Ideally to my own company, where I will reap the rewards and retards of exploiting my own labor.

People make the word go round.

We have done it to ourselves, as usual. In the attempt to plug small holes we have created one big hole somewhere else. I am referring to automated services that have saved companies on labor, therefore lowering overhead and increasing profits. TEMPORARILY. The increase is temporary because, when you eliminate jobs with automation you eventually and permanently eliminated a group of customers. Not only for your individual company’s goods/services but other’s goods/services.

This is potentially why the recovery was a jobless recovery. Stocks were moved around, markets and currencies manipulated, people were fired, wages/benefits were cut, and web-sites and automatic check-in/check-out machines were introduced. A large segment of the especially unskilled population became unemployed. Unskilled workers, who were WILLING to work are now have to use unemployment and other publicly funded methods of staying ALIVE. Creating a burden on local and federal governments.

So that’s a double whammy. No spending, plus leaning on the state. These people were WILLING TO WORK, but in our selfish and eventually collective shortsightedness we have screwed ourselves in the long term. We forgot Stylistics’ song “People make the word go round.”

I propose what the nut in the cabin in the woods proposed. Destroy these computers and job-killing automated systems. This will take people off state and federal doles and pump money back into the economy. FDR didn’t just give out money, he did public works projects. He put people to work. We just give out money and people become complacent. NO. Americans need to regain the culture of earning a living. Also while were smashing computers lets get rid of these reality shows full of wealthy people who are living off inheritances or non-working wealthy. That’s a terrible example. I dont expect government to do it alone that would be too hands-on. We the people have to hold public entities public and private to task. We come back to the fact that, “People make the world go round”.

Come on get happy!

I remember in High School, we were taught that during the depression, there was a lot of movie going. People indulged in as much entertainment as they could to escape their reality. I see the same thing happening now.

We have constant entertainment, via cell phones, laptops, tablets, television(sports,gossip,reality tv,etc), radio, music players, and some books, newspapers, drugs and interacting with animals(humans included). Take that thought wherever it leads and it leads to the fact we are trying to escape reality.

I have seen the same reflected in myself. Aside from the economic recession, there is Dec 12, 2012, mass shootings, terror threats(domestic and foreign), rumors of war….. Always some bad news rearing its ugly head. Between sleeping and working overtime for NO pay, I don’t find the time to listen to the bad news. I just indulge in as much entertainment as I can get.

I Have not looked at the markets in about a month, resulting in less posts on the blog, and I frankly don’t miss loosing money in that abyss. I was though tempted to buy Office Ma stock OMX but the back to school season peak is mid August and I had the epiphany in late August…too late.

Anywhoo, here it goes; YOLO

Downtime

In my last post, no, the one before that. I stated I’m getting out of playing with stocks. So far I have been able to stay clean for the past month. Trading is akin to gambling addiction.

In other news I saw a blurb of an article online stating that the old convention of having traders on the floor of one of the exchanges will be going away. I am surprised it didn’t go away sooner. The internet and technology has killed another set of jobs and we financed it. Soon enough with the development of what will be the next best thing to artificial intelligence we will all be out of a job. I stopped using automatic checkouts 2 years ago. If you replace low skill, low wage jobs with machines, what will the HS drop-outs have to do except lean on the system. Is that what we want? To replace people with machines, put them on public assistance and leave the burden of generating the money to a few? Smart people are stupid.

Reading an FT article today it appears the economy is not growing as much as it should be. People are not consuming as much as expected. Its in my opinion that the country is collectively emotionally depressed. In my opinion somewhat depressed people go out and buy food, drink, drugs or electronics to feel better. The severely depressed don’t leave their homes, they don’t go on dates, wash their cars, have dinner out, buy electronic gadgets,condoms, penicillin…. they don’t spend(if they have an income). The doom of the economic crisis, war, revolution, job security, government spying, erosion of civil liberties, celebrity deaths, everyday life and just plain bad news has sucked the mojo out of the people. We need some goos news, we need to get the peoples mojo going. YEAH BABY!! Unless this happens were going to see more angry depressed losers doing acts of violence to themselves and others. Get the low wage jobs back. Smash some of these computers. Give ore positive economic forecasts, and if you have nothing good to say shut up. Stop grabbing nuts at the airport so people can take trips and come here for vacation. Lets have some fun music like BeachBoys or bring back Disco. Get rid of sucky movies like Twilight, more movies like Airplane and Spaceballs. Cut out online dating and bring the hermits out of their houses and back into the economy. No more hermits, no more hermits, no more hermits……..

I’m Cashing out

There is a annoying song. The singer keeps repeating the phrase “I’m cashing out”

I am somewhat following in his footsteps. After loosing 20% of my value investing in oil “I’m cashing out” The whole market seems to be going down the drain. I though that we were at the bottom but that was just a plateau. I wanted to ride out the storm but I am seeking a faster turnover than is needed to recover. To recover I would have to wait until the next election.

Barclay’s LIBOR scandal is still manifesting itself. The mainstream media has not yet taken to it, but when they do that’s when there will be shock to the market…..I’m on the phone typing so I’m not coherent…..Anyways, I am saying that to say this, GET OUT!!