Conversations with the Naïve II

This took record time but in our second installment we already have a repeat offender. 90 Day Calendar Guy appears to want the title of most naïve person alive. This one is painful but here goes….

90 Day Calendar Guy talks himself up like he is some kind of savant when it comes to purchasing items online through various platforms like EBay, and Amazon.

He recently bought a Spigen case for his iPhone off EBay, and it showed up in the office today via USPS mail. I have never seen a grown man rip open an envelope so quickly, one would have thought it was A Publishers Clearing House check for life…it was a stupid cell phone case!

Publishers Clearing House Prize Patrol–how Boomers got rich before the lottery was legal

He put it on his iPhone and then sadness, the “parts that cover the volume and power buttons on the phone were hardened rubber, not flexible rubber.” He called me over, and was perplexed. This was real Spigen so how could it be defective? I told him, “That’s not real, it’s a cheap knockoff.” He rebutted saying, “Why does it say Spigen then?” I guess no one on earth is allowed to use that word except the manufacturer? Naivety folks….big time naivety.

Spigen Case

Even worse, I asked him where he bought it from. He said he wanted to keep the money local so it was a local buyer. (For those who wanted to know return address was Zhandou, China.) I asked him how much money he saved and he replied about $5…. Yes folks, for the price of $5 in gas you can drive to about 10 cell phone accessory stores within minutes of our office! Oh and he would have acquired a real Spigen case, not a cheap knock off.

He took the case off, and tried to play it off as nothing. I taunted him with, “Hey you saved $5 though…keep it big picture.” I told him to file a complaint with EBay. His response…the guy had all 5 star reviews. (Yes moron, all from people like you who thought you saved a pant load) He logged into his account on EBay and said the seller had his account suspended by EBay…shocker, really stunned by that outcome!

Here is what makes this all that much funnier, he then took everything I said and called it his own for the rest of the day. Saying Trump needs to crack down on the Chinese for copyright infringement…..yes counterfeit Spigen cases seems like a good one for some international court. Then he said its EBay’s fault for allowing a counterfeit seller….again how can they possibly guarantee authenticity? Unbelievable.

Here is the issue, he needs to get his blinders off in regard to price… The man will literally run through traffic to catch a nickel rolling out of his wallet. It is hard to watch, but at the same time you get what you pay for. Anyone should have a spidey sense that goes off telling them something is not right, why is this product being sold cheaply?

Spidey Sense — that little voice in your head that tells you something bad is about to happen

Why is someone from China shipping to USA for free? The truth is the product was likely a cheap knockoff not counterfeit, and dude you bit the hook so hard you were the world’s easiest catch! You have never learned a lesson. You have also replaced your flat screen TV 3 times. I have had my flat screen longer then all 3 of yours have lasted… The reason, you are enamored with saving a dollar. You are the poster child for penny wise and pound foolish. Again this person spends hours of his time watching TV and searching the Internet….not a great look. Buyer beware! With the advent of the internet, the scammers can now take their game to untold heights, and they will continue to get away with it. But hey look at the bright side, you saved a couple bucks!!!!!!!

Unreal, but naïve people are out there among us, and some will never learn their lesson.

Tesla Declines and Its Getting Worse

Elon Musk is great at separating Liberals from their money. He flits around like a butterfly from one pipedream to another. Electric cars, solar power, batteries, space flights to Mars, and mag-lift travel at the speed of sound. Whatever crazy thing he can get other people to invest in. He will make prototypes or other devices to get others to invest, but please note, its other people’s money at risk not his. Musk takes a cut for himself off the top and then piles more investors into the bottom of the pyramid.

He bought Solar City, and it was financially unsustainable so what does he do? Why he folds the debt into his Tesla car scheme. Tesla isn’t panning out financially so what then? Oh, I know, why doesn’t he act like a crazy guy and get kicked off the board. Then when the bills come due and it collapses Musk won’t be on the board. Then he can blame the Musk-less board for not having the vision, passion, and dedication that he had to make it succeed. If only he had been there…

Look back to last summer. Remember Musk having a Twitter tantrum about the rescuer of the kids in the cave. He called the guy a pedophile or something like that. Then he smokes marijuana on that pod cast and then pulls the stunt of taking the Tesla private. Net result, Musk gets kicked off the board of his own company.

Is he nuts of crazy like a fox? He has access to information investors and other don’t plus he can read the handwriting on the wall. Get out before the stuff hits the fan that way he can save face and blame others. This allows him to go fleece his next group of Liberals with his reputation still intact.

Elon Musk with the look that says, “It’s not personal, it’s business”

Here’s more proof the Ponzi scheme is in trouble.

Tesla has lowered the price of its Model 3 by $1,100 amid reports that U.S. sales fell precipitously in January despite a $2,000 reduction that went into effect at the beginning of the month.
InsideEVs estimates that Tesla sold 6,500 Model 3s in the U.S. in January, which would represent a more than 70 percent drop from the prior month.

Tesla Model 3 price cut again, now starts at $42,900

Cutting prices and a 70 percent drop in sales in one month is bad enough but the other shoe is about to drop.

Tesla has a billion dollar debt coming due, and it could wipe out nearly a third of the company’s cash if the stock price doesn’t improve.
About $920 million in convertible senior notes expires on March 1 at a conversion price of $359.87 per share. But Tesla’s stock hasn’t traded above $359 for weeks. If the shares are about $359.87, then Tesla’s debt converts into Tesla shares. If not, Tesla will have to pay the debt in cash.
Tesla reported cash and cash equivalents of $3 billion at the end of its September quarter. The company continues to reveal pressure to maintain profitability, and announced Friday it would cut 7 percent of its full-time workforce.

Tesla has $920 million in debt that’s coming due — and it could wipe out a large chunk of the company’s cash

Please note that the 3 billion cash and equivalents was in September. They are burning thru cash at a crazy rate and to pony-up one billion in cash in three weeks is a tall order.

Below is a chart of Tesla stock for the last six months. Do you really think that the stock price will be above $359.87 by March first when January sales are off 70 percent? No way Jose. Stock opened trading today at $316.50

Tesla Stock for last six months

Tesla is in deep trouble but never worry because Musk got in the lifeboat months ago to distance himself from the dumpster fire that’s coming.

Apple Again Lies to the Faithful

Ok so Apple lying in and of itself this is nothing new. Let’s look at their track record over the last few years.

  • Apple throttles performance and battery life of their old phones to get people to buy new iPhones.
  • Their top selling antivirus app for several years was in reality a spyware program.
  • They trick gullible people into paying double or triple for inferior technology and their slick marketing affirms that their stuff is better when it is often obsolete or old tech.
  • They steal tech from other people without attribution or proper payment of patented technology.
  • Apple fails to offer features on their phones that have been available from other manufacturers for over a decade—can you say “SD Card”?

Given the above, why is it any wonder that they plan to lie to their customers yet again? We all know that Apple is the only cell phone manufacturer on the planet, and yes I do mean anywhere on planet Earth, that has publically stated they will NOT offer a 5G phone in 2019. But now this little gem shows up on tech websites today:

AT&T is planning to sell its updated 4G network as “5G Evolution” in the US. Even though your phone will be connected to an updated 4G network, you will see a “5G E” indicator on your phone. In the recently released iOS 12.2 beta release, Apple has added support for this fake 5G network.

If you are running iOS 12.2 beta on the latest iPhones (XR, XS, and XS Max), you will be seeing this new 5G E network indicator in over 400 markets. When AT&T launches real 5G network later this year, it will be indicated as “5G+”.

So Apple is just going to call 4G connectivity 5G just so they and AT&T can market a lie. Apple lies in hopes that their shareholders won’t continue to cry.

Folks by the international standards that have been set, what we call 4G in the United States is really not 4G speed. The designation 4GLTE is “4G light”. This is their way of saying it’s not really 4G but faster than what we sold as 3G. Looks like a similar scheme is being rolled-out by Tim Cook and Ma Bell. AT&T and Apple are going to call something closer to a real 4G standard network as “5G Evolution”. Clearly this 5GE designation only exists in the minds of the marketing department.

Bottom line, if it’s an Apple product, it can’t run on a true 5G network, period. Any claim to the contrary is a lie. One I’m sure that will be used to separate people from their money at a $1,000 or more per phone. Apple’s iPhone, it’s not 5G, and still can’t use an SD Card.

What The Government Shutdown Should Teach About Personal Finance

The infamous government shutdown has come and gone and in a rare blog, I’m not going to get or be political at all. I want to focus on personal finance and how close most Americans are to financial ruin. Hopefully you will learn something, if not go study Socialism 101 and hopefully Alexandria Ocasio Cortez wins in 2020.

For the rest of us, the core of our financial problem in American is called a “paycheck.” You know, one bestowed upon any hard-working person; received once, twice, weekly, or bi-weekly every month. “A day’s work for a day’s pay”, or as some would call it, “money received for services rendered.” However, we as Americans have overestimated the paycheck. We take it for granted. We no longer see it as wages earned, but as money to spend; or in some cases, as alluded to earlier in a separate blog, money needed to pay past debts.

Really, in most respects we never learned our lesson from the bank/real estate/credit crisis starting in 2006. People lost homes, cars, jobs, and other material investments. Your 401k became a 104k, and we as a country swore, we would learn our lesson. Truth is we never did.

The year is 2019 and we experienced a government shutdown. Federal employees were forced to work without pay or told to stay home and you would not be paid. Additionally, in the case of TSA workers, they staged sick outs to avoid the punishment of actually having to show up to work. The workers rebelled because they were no longer receiving a paycheck. (FYI once it was over, they were all paid retroactively to the beginning of the shutdown.)

Changing our lifestyle is a lesson we should have learned a decade ago. Companies had mass layoffs, banks and investment firms went bankrupt, the government bailed out Wall Street. We never learned our lesson. How many stories, articles, interviews etc. did you see featuring government workers forced to go to a local soup kitchen or fill out food stamp applications, workers claiming they were about to be thrown out of their apartments, houses? They never learned their lesson. While my heart breaks for these workers I find it very hard to believe they spend their entire paycheck on just housing and food, and if they do, we are in way bigger trouble as a country then I have ever imagined.

The truth is, these people are liars. They have 2 car payments, possibly a boat/rec vehicle payment, credit card debts, and likely spend far too much on entertainment or dining. However, that doesn’t make for a great narrative so we must focus on the single mom of three who is being evicted and somehow that is my fault because I’m undertaxed?

Poor financial choices have been harming Americans for decades. We are fiscally illiterate people. The biggest problem is we have stopped seeing the paycheck as a means of income. Instead, we now see it as a way to pay-off last month’s debts.

Madison Avenue marketing in all its forms, encourages us to swipe a piece of plastic because we won’t see the bill for 30 days and can afford the minimum payment… buy now, pay later anyone?

The truth is, if we actually had to reach into our wallets and pull-out cash every time that we made a purchase, we would behave in a much different manner. But because our money is just so many pixels on a computer or cellphone screen, there is a lack of restraint on our behavior. Our paycheck is not “real.” Its is an ethereal, untouchable, intangible thing.

The crux of the shutdown matter is this: “Does the Government work for us or do we work for the government?” Once that question is answered we will be able to chart our future. If you are a federal, state, county, city, union, etc. employee take heed of my words; you are 100% at the mercy of the taxpayer base. We have a tendency to vote with our feet, and at some point, we may get transportation out of said country. You have just received an early warning, next time you may not be so lucky. The day of reckoning is coming; unfunded mandates are not easily curable by simply raising taxes or increasing the employee contribution for new hires. As a famous person once said, “socialism is great until you run out of other people’s money” …I doubt that person was Alexandra Ocasio -Cortez.

While this should be a kick in the pants for all workers, especially the previously untouchable federal workers, it won’t be. The shutdown is over…crisis averted…I guess? Actually, this is temporary, the next one may be very protracted. We as workers must come to grips with a very stark conclusion, we are beholden 100% to our employer. If you work in the private sector—we all know our paychecks are tied to ebbs and flows in company profits, if you work for the government—your wages are tied to union agreements. In either case, it’s a scary place.

My advice is to get your financial house in order ASAP, not next week, not tomorrow, ASAP. Immediately get all debt under control and limit spending based on needs, not wants.

  • Limit pleasure trips and forgo trading in your car for a brand new one, equipped with a higher payment.
  • Use your cell phone until its obsolete, resist the urge to spend over $1,000 on a new one.
  • Cable is awesome, when you watch it…. consider cutting the cord, you may be amazed how little you miss it.
  • Stop looking at ads in the mail/paper/or in store, they are designed to make you become an impulse buyer, your freezer is full, your pantry is overflowing, you don’t need another flat screen, let it go.
  • That gym membership you signed up for but keep waiting until next week to actually use…. cancel it.

Once you start following these pieces of advice you will find yourself with extra money at the end of each month, resist the urge. This money is not your next payment, it’s found money to save. Extinguish debt, or invest in retirement; however, I prefer starting savings, make a goal of 10% of each paycheck.

Get that savings up to 6-10 months of expenses, now you are your own boss. Something unexpected happens at work, you can take a job you want, as opposed to taking a job for the paycheck to once again, pay off debts. Invest in yourself, learn new skills, and become adaptable, your future you will thank you. Just FYI, calling out sick when you aren’t sick gets you fired in the real world. The fact you drive a basic car, not the latest C class Mercedes will pay off in the future. Have a plan, don’t be the 80-year-old guy or girl working at Home Depot or Walmart because you have too.

Eugenics in America

Given: Leftists believe that Evolution is true; therefore, the world is governed by “survival of the fittest.”
Corollary: Some humans are superior to others.

Thus, those that think they are fit (Leftist Elites) have the right to decide what is best for everyone else.

Three news stories in the last week indicate the stronghold that Eugenics has in the United States.

Before getting into the stories, it would be worthwhile to define eugenics for those of you with public school or inferior private school educations.

Eugenics is “The science of improving a population by controlled breeding to increase the occurrence of desirable heritable characteristics.”

Given Darwin’s belief is almost universally accepted as true—except for those of us that are Orthodox Christians—it should be no surprise that folks believe that some men are superior to others. The sad part is that people that should know better have fallen for this anti-biblical lie from hell. This has been a purposeful deception.


Topic #1 Black Folks Support Genocide Of Their Own Race

A new Barna Group poll commissioned by the pro-life movie “Unplanned” found that blacks support tax subsidies for abortion giant Planned Parenthood more than any other group.
The irony, the survey sponsor said, is that Planned Parenthood founder Margaret Sanger was an advocate of eugenics and promoted birth control among black communities.
Overall, 41 percent favored tax subsidies, and 39 percent oppose them. But among blacks, 53 percent favor the subsidies, and only 20 percent oppose them.

The history of Sanger and her advocacy for birth control in black communities is well-documented.
HUD Secretary Dr. Ben Carson has charged Sanger “was trying to eliminate black people. … That was the whole purpose of it.”
Arina Grossu of the Center for Human Dignity in Washington, said Sanger “shaped the eugenics movement in America and beyond in the 1930s and 1940s.”
“Her views and those of her peers in the movement contributed to compulsory sterilization laws in 30 U.S. states that resulted in more than 60,000 sterilizations of vulnerable people, including people she considered ‘feeble-minded,’ ‘idiots’ and ‘morons,’” Grossu found.
“She even presented at a Ku Klux Klan rally in 1926 in Silver Lake, N.J. She recounted this event in her autobiography: ‘I accepted an invitation to talk to the women’s branch of the Ku Klux Klan. … I saw through the door dim figures parading with banners and illuminated crosses. … I was escorted to the platform, was introduced, and began to speak. … In the end, through simple illustrations I believed I had accomplished my purpose.’”
Sanger once said, “The main objects of the Population Congress would be to apply a stern and rigid policy of sterilization and segregation to that grade of population whose progeny is tainted, or whose inheritance is such that objectionable traits may be transmitted to offspring[;] to give certain dysgenic groups in our population their choice of segregation or sterilization.”
Grossu noted that even now, nearly 80 percent of Planned Parenthood’s surgical abortion facilities are located within walking distance of black or Hispanic communities.
And she pointed to figures from the Centers for Disease Control and Prevention from 2007 to 2010 showing that more than one third of all abortions destroyed unborn black babies. That’s even though black Americans make up only 13 percent of the population.

Poll stunner! Blacks like taxpayer funding for abortionists

In early January 2018, along some of the main thoroughfares in Greater Cleveland, billboards that espoused the “benefits” of abortion began popping up. The signs, placed by Ohio’s largest abortion business, Preterm, carried messages such as “Abortion is sacred,” “Abortion is a family value,” “Abortion is safer than childbirth” and “Abortion is a blessing.” It was all part of the group’s “Abortion is” campaign to reduce abortion stigma.
The billboards stood in some of Cleveland’s poorest neighborhoods, their bold and ironic claims plainly contradicting Scriptural teaching about the inherent value of human beings made in God’s image (Genesis 1:27; Psalm 139:13-15).
These billboards caught the attention of Franklin Graham. He posted on Facebook, Jan. 4, 2018: “God says, ‘Woe to those who call evil good and good evil.’ That’s exactly what an abortion business in Ohio is doing. … These are all lies. Here’s a billboard for them—‘Abortion is evil, because it’s murder.’ Pray that America will wake up to the tragedy of children being killed through abortion every day in this nation.”
Long before the campaign launched, black pro-life groups and civil rights leaders had been exposing the chilling aspect of such morbid propaganda efforts: The abortion industry disproportionately targets African-Americans. In fact, many black pro-life leaders have a bold term for it: black genocide.

Nationally, some 36 percent of abortions are performed on African-American women, CDC figures show, while the female population is only 13 percent black. In New York City, the abortion rate is 3.7 times higher among black mothers than white mothers.
Bomberger’s first billboard campaign featured 60 signs in the Atlanta area in 2012 bearing the message “Black Children Are an Endangered Species.” He says he told a New York Times reporter who questioned use of the term genocide, that by United Nations definitions, the practice of abortion in the black community meets four of the U.N.’s five conditions for genocide.
Those conditions are: “Killing members of the group; causing serious bodily or mental harm to members of the group; deliberately inflicting on the group conditions of life calculated to bring about its physical destruction in whole or in part; imposing measures intended to prevent births within the group; [and] forcibly transferring children of the group to another group.”
Of those, only the last isn’t applicable, Bomberger says.
“I don’t know how else to describe it,” he says. “How do you describe it when in New York City, more black babies are aborted than are born?”

https://billygraham.org/decision-magazine/february-2019/targeting-black-america-abortion-industry-with-roots-eugenics-disproportionately-preys-on-african-american-women-their-babies/

Topic #2 New York Makes Abortion Legal Until Moment of Birth

What I believe with little empirical doubt is that the New York Legislature has just legalized conscious fetal murder on a potentially very large scale, WITHOUT competent medical supervision. The latter point strongly suggests that they don’t want to hear the truth from highly qualified MD’s.
This is no longer a theoretical debate.
This is legalized genocide.

Biomedical scientist calls New York’s abortion law ‘de facto genocide’

The measure, which Gov. Andrew M. Cuomo quickly signed into law Tuesday night, was pushed through by Democrats who now control both legislative houses. The Senate passed it 38-24. In the Assembly, it passed by a 92-47 margin.
In the face of calls at the federal level to weaken abortion rights, the bill maintains abortions as legal within 24 weeks of the start of a pregnancy – “or at any time when necessary to protect a woman’s life or health.’’ Late-term abortions had previously been authorized under state law if they meant saving the life of a woman.

Long-stalled abortion bill passes New York Legislature

Please note the weasel word “health” in this quote: “or at any time when necessary to protect a woman’s life or health.’’

Per US Supreme Court case Doe v Bolton, health of mother was defined as mental health which has been interpreted as convenience. If mother doesn’t want baby then she doesn’t have to give birth to the child because this could cause undue mental and/or physical strain on her. This case was released same day as Roe v Wade in 1973 and was coupled with Roe to allow abortion on demand.

The New York bill expands abortion availability.

Physician assistants will be permitted to also carry out surgical abortions and licensed midwives and nurse practitioners can do nonsurgical procedures using medications if they are “acting within his or her lawful scope of practice,” according to the legislation.

Topic #3 Infanticide Is What We Want Now

Virginia Democrat Kathy Tran’s bill would allow abortion even when mother is about to give birth for mental health reasons.

Todd Gilbert, the Republican House majority leader, questioned Tran about the bill during a hearing Monday. He asked Tran if a woman who has physical signs she is about to give birth could request an abortion if a physician said it could impair her “mental health.”
“Where it’s obvious that a woman is about to give birth. She has physical signs that she is about to give birth. Would that still be a point at which she could request an abortion if she was so-certified — she’s dilating,” he asked.
“Mr. Chairman, that would be … a decision that the doctor, the physician and the woman would make at that point,” Tran replied.
“I understand that,” Gilbert replied. “I’m asking if your bill allows that.”
Tran replied: “My bill would allow that, yes.”

Outrage as video shows Virginia abortion bill sponsor saying plan would allow termination up until birth

Going ever further, Virginia Governor, Ralph Northam, while defending Tran’s bill, advocated killing the baby even after birth.

“So in this particular example if a mother is in labor, I can tell you exactly what would happen,” he said. “The infant would be delivered. The infant would be kept comfortable. The infant would be resuscitated if that’s what the mother and the family desired, and then a discussion would ensue between the physicians and the mother.”

Governor slams infanticide charge in abortion bill uproar; Schumer wants intervention on Trump

Those familiar with so called bioethicist, Peter Singer, would not be surprised at such comments. For decades, Singer has advocated subjecting newborn children to a battery of tests to decide if a child should be declared “human’ otherwise they can be killed up to age two years without any repercussions.

Conclusion

Eugenics is an integral part of the ideology of the Democrat Party. Sadly, many that are the targets of extermination are happy to support those that want to exterminate them. Democrats act on the basis of your skin color not the content of your character. This is the reason they use identity politics. They want to limit and control people. Their promise of security in exchange for yielding liberty is false.

In case you needed a reminder that Jesus isn’t welcome in the Democrat Party besides the fact they want to eliminate God from the oath how is abortion compatible with His words:

“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’”
Matthew 25:40