News

When the markets go down 500-points in a day, you can sort of get the feeling that all is not well.

The natural thing to do – when they rally and cut the decline in half (this is all in a single day, mind you) is to rationalize “Gee, that wasn’t so bad, was it?”

The sad truth is that it is very bad – and a drop below the 1,740 level on the S&P is  when we should all be under the bed sniffing the dust bunnies.

The reason is the vicious cycle problem.  When things begin to go great, there is a “pile-on” effect that economists call the virtuous cycle.  But when something begins to go wrong, as it is right now, we have to look at all the data and begin worrying in all earnestness about flipping from “virtuous” into “Vicious.”

A recent-experience example was the Housing Bubble.  It began as an attempt by the government to kick-start our way out of the first starting point for the Greater Depression.  That window happened in 2001 and was actioned  by Osama bin Laden, who we seriously believe had the cooperation of at least some governmental elements, including quite possibly some shadow government types who have never been brought to justice.

Depressions are power progress-killers.  And, if I were a member of a shadow government, I would have to admit that the events of 9/11 actually did some good.

The major good?

By fall of 2001, it was apparent that the tech bubble was finished.  Depending on which estimates would believe, the total cost of the Tech Wreck was on the order of $5-trillion dollars, although some accounts mention half this amount.

9/11 did several key things, in terms of pulling economic levers.

First, it took the blame which should have been placed on the backs of greedy venture capital types and shifted it onto the persona of a “terrorist.”

Secondly, it gave the United States a “cause” to immediately wage a war…any war…and that took a lot of job-age males and kept them out of the labor force.

Third, it set up a massive new industry (the security state) which has taken on a life of its own.  Well past the hiring of what is now estimated at 56,000+ direct jobs, but when we use the economic multiplier effect (all these people eat, for example, and some fraction will use daycare) an easy argument could be made that TSA alone is responsible for 134,000 jobs – and has been, come this fall, for 15-years.

Four, it provided for the evolution of the security state and Gen-4 warfare.  Battlefield robotics are coming.  There’s a million square feet up at Provo for sampling your data.  And we even learned recently that the CIA spied on members of the U.S. Congress in the process of surveilling foreign political visitors.

Five, it continued to “de-focus” public attention from the definite replay elements of the previous economic collapse.  You will recall that in the depths of the Great Depression, the government embarked on several wide-spread job creation programs.  The most notable were the Works Progress Administration (WPA) and the Civilian Conservation Corps (CCC).

I found it extremely interesting that the country laid the groundwork for massive civilian employment of young people with the Volunteers In Service To America (VISTA) program.  The first batch of 20 VISTA workers were turned out in 1965.

That program was something the country “got right.”  It had been a kind of article of faith that this Kondratieff fellow might be right about economic super-cycles, and an ideal 56-year harmonic off the Great Depression collapse was seen in 1987.

Good news on this front:  The Fed managed to “paper-it-over.”

The bad news was that it was only a first-blush encounter with widespread collapse.  It was a state-change event, as well.  You will remember that long-term interest rates had peaked some six years earlier.

Despite the interventions, the systemic problems persisted and a major period of decline ensued in 1990-1991.  The U.S. did what it does best – and off to war we went on this pretext of that.

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Not that this is unexpected:  The U.S. markets are set to rally a couple of hundred Dow points this morning after stopping smack at long term trend lines on Friday.

I don’t know about you, but when I read ads popping up around the net like “Stock Market to Collapse in 2016!” it usually means it’s a good time to sit on your wallet.  Someone is going to try to sell you something.

Independent analysis?  Different deal.

How long have we been talking about 2017?  A very long time, for sure.

A lot, admittedly, will depend on holding the line about here….here being the 2-standard deviation trend channel.  ( ?_x? to some.)

Still, let’s count them up:  The price of oil is up.  The price of gold is down.  And when comes down to it, perhaps much of what has been this (so far fourth wave) decline has been sanctions coming off Iran and their oil hitting the market.

What people forget, though, is that Russia and Iran are sort of tied-at-the-hip.  Iran is getting  (shopping list ready?)  More nuke plants, parts for Bushir, support for the Guards in the way of military hardware and so forth.

The Tehran mullahs are getting a piece of the oil action out of their country – but with the understanding that they won’t hammer the market too badly because Russia needs petro revenue as well.

The Saudis sure don’t want things to go too badly, since they are trying to slice up Aramco – and that means they will likely not be first to lower prices, at least too much.

As always, the market is in the process of “price discovery” and the folks getting whip-sawed in all this will be the last-minute arrivals at the party who invest in lesser newsletters than our own Peoplenomics.com offering and then wonder why “capital preservation” isn’t working out…

So this is how the week begins:

As you were lollygagging last night, Australia opened up almost 9-10ths of a percent.

That was followed with the Hang Send up 2% and the Shanghai market was up nearly 3 and a quarter.

And that’s why Europe (Eurabia) today is up across the board better than 2%.  The no-brainer trade of the day would be Australia which is lagging the Rest of World and should be good for a 1% rally, although hard to make money on that for civilians.

Meanwhile, oil is up over $2-bucks on the West Texas contract, a bit lower in Eurabia for Brent, but still, consider the geopolitics and you’ll see no one makes real money from a price war on oil.

This is not to say the bottom is in – but it could be.  And with it, the clouds will part.  Industry that depends on oil (diesel, plastics and that whole evolutionary branch) will be able to profit without real growth for a year to 18-months.  That’s because, as my consigliore reminded me Monday, while it’s true that full dispersion takes 65-months, or so, the bulk of an oil change is within 18-months.

Since this has been largely a Big Oil event, so far, and there’s no sign of a major too big to fail candidate, yet, we should see stocks touted as terribly over-sold (which they are) and the odds of a fifth wave go high once again.

So the short version of this (more in Coping in a minute) is that you have been warned, but the larger  question is what – if anything – are you going to do about it?

The average person will do nothing – which is a sure-fire recipe to remain “average.”  The exceptional person will hear the call to thrift and will be managing affairs so when the depths of the Great World Depression show up, you’ll be among the few who has structured in advance for The New Way of being.

That said, there’s no assurance a fifth wave will continue.  We need to see the S&P set a new record here shortly (within 6-7 months).    The key level to watch will be 2,135 on the S&P.

For now, I’ll be going back to the larger questions of life:  Why did Elaine buy organic coconut/almond milk?  And why is our editor, Zeus-the-Cat, left-pawed?

The other questions – like “Will China roll out more stimulus?” – are really givens over time.

The Horror of Hil Films

Seems to be a good business model in making a film that slams Hillary Clinton.  After 13-Hours out came a C.I.A. denial that the film is a documentary in any sense.  But hold on a minute, here’s the author firing back at the Agency…

And if that’s not enough, here’s the NY Times on a film about Anthony “social flash” Weiner and the woes his wife, key Hil advisor Huma, having to cope.

We notice that other candidates aren’t having as much box office play.   In our efforts to help Hollywood, might we offer…

• A Romanov (tsarist novel) story starring Bernie Sanders?  (America’s rich can’t believe his tax plan, either.)
• An episode or three of Suits  with Ted Cruz as a new senior partner?
• Or a remake of Towering Inferno with D.

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As I have been saying, to anyone who would listen, my preferred outlook is that we don’t have our economic collapse until we get out into the Q2-Q4 2017 area.

By then, any of the optimism about a new President and ways to keep the country moving forward will likely have worn off.

By then, it should be apparent that our GDP is not rising faster than the net compound interest on the Federal Debt which is around $19-trillion.  $18.924 trillion, as of last Thursday…

By then, the effects of the huge influx of illegal aliens will be felt.

By then, the lack of breakthrough technologies will be apparent.  There next “gotta have it” tech will be a place away from other humans…

By then, we will begin seeing more robots coming online to replace human labor.  A good reality check is the 10 scariest robots in the world over here.

By then, we should see several more applications, along the lines of Tinder and Candy Crush, that are already changing the way we think. 

By then, someone besides Ures truly will be pointing out that a growing fraction of humanity is going “off planet” for at least part of the day to work in the Virtual Realms.

So much so, that by then, we should have an app for everything.

The Pocket Version of UrbanSurvival

It goes something like this:

There are seven major domains of life and we can “size-up” the coming world, in a nutshell, this way:

Housing:  Getting smaller.  With commutes already gone to hell and work in Virtual Realms the number of companies with work-at-home (in the Realms) will be higher.

Food: Campbell Soup has announced plans to begin labeling U.S. goods for GMO content.  This is already in place in most other countries.  In 2017 we may pass the peak of corporate farming and begin the return to local…

Healthcare:  Some portions of the ACA will have been changed – there are too many people who can’t afford it.  Expect alternative (not-for-profit) healthcare like Samaritan Ministries to have a boom because they are not trying to make money off illness as much.

Transportation:  New car sales will depend on the phrase “driverless- ready” or “highway mode” as initial driverless platforms come along.  We’re planning to drive our old Lexus into the ground (5-10 more years) and save up for a compact driverless.

Communications:  The cost of communications services should rise slower than most expenses but advertising density will likely increase and – if we have any kind of terror attack in the U.S. with WMD’s, expect a link to either torrent or other non-traditional web uses – and this could begin the internet licensing movement.

Environment: The debate over “global warming” will intensify.  Look for atmospheric heaters to come back online to move things around.  But decreasing solar output will likely continue to moderate worst-case alarmism.

Finance:  Your standard of living will be down another 10% from where it is now.  Smaller footprints for all consumer goods and perhaps even standardization of clothing will be arriving.  With disposable spending down, there will be fewer things to buy.  One or two per category…with 3rd and 4th-place producers folding due to the dominance of online retailers.

Then we have our “action words” that describe what we physically do in life:

Work:  By 2017, the low in unemployment should be passed and rates heading up, again.  Agriculture will experience the front edge of major drought – as we move back toward a normal el Nino position.

Workflow improvements will continue but with most healthcare and education already rolling or rolled into ERP programs, the flurry of high-paying software implementations will have peaked.

Play:  By 2017 we should see a major new “play” evolve based on VR helmet or glasses technologies.  This will be “played” in a special, but small, space and will be immersive.  The next evolution of games will be getting rid of avatars and replacing them with players who will be “green-screened” into other player’s displays.

Sex:  V.R.

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Although markets in the U.S. are closed today, it is important to keep an eye on what’s going on elsewhere because of the precarious nature of U.S. markets.

For those unfamiliar with our analysis on the subscriber side of things here, we offer a unique way of looking at both global and domestic markets.

The Global Aggregate Index is a measure of how a number of key markets have performed – as an aggregate (add ‘em up and average) – since 1999.

This Index heralds the rise (and possible pending fall) of global corporatism.

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There is a reason today is a Holiday:  America has secrets as dirty as the gas chambers of Nazi Germany,  the Bataan Death March, or the genocides of Cambodia.

The difference is?  We don’t like to talk about our dirty secrets.

It’s important we do; we can lie to other people, but not to ourselves.

Saturday, a group of your fellow humans got together in Slocum, Texas, to commemorate a 20th century race war in southern Anderson and northern Houston counties.  White people went on a rampage killing black people.  The year was 1910.

The commemorative group was not welcomed.  Residents of Slocum put out Confederate flags, but the gathering went on.  A historian, or two, an author who studied the event, even  a film producer considering a project.  But no mainstream media.  A week ago the local paper announced Saturday’s placement of an historical marker.

The Saturday gathering commemorated The Slocum Massacre.

The what?

Most folks have never heard of the event. In fact, if you go looking for it on Wikipedia, it doesn’t even have its own entry. 

That’s how America’s dirty secrets work:  America doesn’t like to talk about its ugly side.

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Don’t kid yourself:  The Global Financial Markets on Friday were on the brink of collapse. But, if this were football, the ball would be first and goal on the one-yard line. This morning we roll out the two play books which will be deciding next week.

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We got our predicted Options Rally Thursday.  So this morning, standby for a thorough ass-kicking that may send the market down 300 –or more – points before the week is out.

We have a few government figures (in a sec) but the main concept to be noodling on here is a familiar one for our Peoplenomics.com subscribers: 

Consumer Super-Saturation.

Economic bubbles don’t appear overnight.  A big one takes years to grow.

They are large, oafish, easy-to-spot, although most often they are  hidden-in-plain-sight.

Super-saturation has been in view since about 1975-1980, when some architects I had interviewed up in Seattle told me of the huge boom to come in building and renting Storage Units.

What do people put in these ridiculous boxes?  Well, things they have too much of.  Hoarding is epidemic!

Why someone would buy too much, and then instead of scrapping or selling-off excess, choose to instead rent expensive square footage is totally beyond me.

But it’s a symptom of a society that is totally overwhelmed with its materialist side and not thinking clearly.

That’s when we began to move toward super-saturation.

Here lately, a sign of the super-saturation correcting has become available for all to see as well; but few except for Urbansurvival/Peoplenomics readers can see through the fluoridated fog of modern overloaded life:

One symptom is the huge increase in “abandoned storage unit” auctions.  This is now on televisions and if you follow a few collectible markets on eBay, you’ll see such “auctioned property” now hitting the auctions.  How much more in-the-face does it get?

Another indication is the chart at the top of this page:  The home ownership rate is coming down, down, down.  In 2004, about 69% of US persons lived in owned homes.  As of 2014, that was down to 63.5 percent, and I reckon it hasn’t picked up much.

While it is true that homes have been selling well in San Francisco, Seattle, and a few other tech-heavy hotspots, there are puss pockets on the horizon, like suburban Houston, for one.  There, the oil collapse is a killer. Under $30 in Europe now and likely West Texas will follow.

I figure the Aramco IPO is to fund a Saudi flip out of high water-cut reserve to spin up cash to buy more American properties…but that’s just me.

Let’s get back to Housing:  Use an imaginary number for households in the US:  I could pull 123.2 million out of the air.  That means the number of owner-occupied homes might be down (from 2004) as much as 5.54-million.  The homes are still there – as rentals.

What is going on with these households?  Why rent?  We have some notes in this morning’s Coping section, but it’s really a complicated stew.

1.  People are downsizing.  Retirement plans are blowing up.

2.  Young people can’t afford a home AND having student loan payments.

3.  People are virtual-living – Second Life, Candy Crush, apps, you name it.

4.  Public transit is growing as people cut spending on cars, discover Lyft and Uber, and just can’t afford anything else.  We are 45-days from 2015 data, but in 2014 the American Public Transit Association reported:

On March 10, 2014 the American Public Transportation Association (APTA) reported that public transportation use in the United States in 2013 rose to 10.7 billion trips – the highest number in 57 years.  APTA and its predecessor organizations have collected ridership information since 1917. The highest U.S.

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My ramble Thursday about thrift – and being in the critical habit of saving money – rang a loud bell with quite a few readers, including my buddy Hank  out in Hawaii.  In addition to Hank’s tale of reality television, we also have some keen insights from a reader who’s a CPA.  Both offer incredibly good insights into how this “recovery” is going.

Here’s the note from Hank:

Aloha George!
I’m not the writer that you are (neither am I – G), but I thought I might blog a bit about my experiences as the ‘recently unemployed’. 

Your article about saving money and jettisoning unneeded ‘stuff’ and expenses was right on!  That is something that has been ongoing here in (one of) the most expensive cities in the country to live in… Honolulu. 

Housing is the most expensive item on the monthly list here.  Recently I have also been selling off parts & test gear no longer needed on eBay for some lunch money.

I am 63 years old and have had a secure tech job for decades as a Television Broadcast Engineer.  I have built, rebuilt, moved, and maintained TV stations for decades.  I always read your articles about robots replacing humans in the workforce, and figured I was safe because I was the guy that had to install and maintain all sorts of electronic automation stuff for broadcast.  Stuff breaks, and someone has to fix it… rapidly and on short notice, usually!

The large national media outfit that owned my TV station sold it this past summer to a ‘management’ company that is a notorious ‘strip & flip’ outfit. 

This new company had come through town a decade ago and nearly destroyed what had been the #1 news station and sold it again within two years.  Their business model (everything is a ‘business model’, right?) involved installing robotic cameras in the studio and other tech automation to allow the entire newscast to be accomplished by ONE technical director (with seemingly octopus-arms) sitting in a cockpit surrounded by monitors, keyboards, joysticks and audio sliders to switch the entire live newscast. 

This assumes the fresh-out-of-Journalism-school ‘news producers’ wrote and scripted all the moves correctly on the interface from their news-automation servers into the ‘production’ TV automation.

The new owners of my TV station wasted no time in announcing plans to install the same automation stuff and let go a bunch of people (many part-timers) who helped produce the newscast for air. 

I figured I would be safe, as I am the maintenance engineer who installs and maintains all this tech stuff.   Then both of my engineering department managers left… they could not stomach the new management’s slash and burn tactics.  The company brought in a half dozen company engineers from the mainland to install the new automation… they were experienced at this, apparently.  And shockingly, I was informed that my job was to be chopped before the end of 2015. 

It seems the ‘business model’ was structured for only ONE maintenance man for the entire station, and I was #2 on the seniority list, so… sayonara!   It is hell on my attitude when I know I am fated for dismissal.  Meanwhile, the company engineers were hell-bent on installing the new stuff with little or no regard for keeping the station on the air during the transition.  It made it real hard for the people who knew their jobs were fated to keep working and on-air in the mean time.   There were blunders and outages on air.  Morale was in the septic tank.

I was presented with a severance package of three months pay and termination package.  Although they expressed interest in keeping me on for another month or two while the conversion engineering was finished up, it became unbearable to work among the corporate monkeys along with my zombie workmates who were also fated to lose their jobs.  I took the hard termination date in Dec. and left.

The whole experience was stunning for someone like me who has worked hard and reliably for my entire life.  I didn’t even put up a Christmas tree this year!.  Had I just been forced into an unwanted early retirement before I could afford it?

In the past few weeks I have navigated the local Unemployment Insurance website and jumped through all the hoops to apply.  My weekly UI benefits are about half what I previously earned, and barely enough to pay my monthly rent… assuming I don’t eat during the month!  Severance pay continues through March.  UI benefits are good thru June.

Mandatory healthcare is shockingly expensive.  If I keep my union membership up ($55/month) I can join the union health plan for $550/mo.   COBRA offered from my previous employer is $570/mo. 

I looked up the healthcare.gov “Obamacare” plans and found that with my limited present income I qualify for tax credit assistance that covers nearly two-thirds of the monthly premiums. 

I got a decent plan that is similar in coverage to my previous employer-plan for out of pocket expenses of only $254/mo.  If I use it, it will cost me more, though.  The deductibles are high on these plans before they begin to pay, so you have lots of out-of-pocket expenses if you use it.  Catastrophic expenses that go beyond the deductible are covered.  So first you go broke…. THEN they try to keep you alive so you can live to pay some more!

When (IF ??) I find gainful employment, I will have to notify the healthcare plan of increased income, and that will reduce my tax credits for the year… so what is the point of trying to find work?  I get the income, only to have to pay it back into healthcare and reduce my tax credit.  That is what will happen if I find some intermittent ‘contract work’ in my self-employment.  

The only savings will be if I happen to find some full-time employment with benefits.   In Hawaii, employers are required to provide qualified healthcare plans to employees who work more than 20 hours a week.  Then I can dump Obamacare and go with the employer plan.   But those costs are rising to the employers, as well.  There is also a great lack of available jobs in my specialty… TV broadcast engineering, especially for an over-qualified 63-year old. 

The only thing keeping me from considering suicide when the benefits run out is that I have some life savings/retirement funds as a buffer. 

I had planned to work until age 70 to maximize my social security payments, put my savings into a home and retire in the Hilo area of the Big Island of Hawaii. 

Now I am looking at trying to buy a cheap home (cash, no mortgage) on the volcano and rent it out for some monthly income while I try to continue my late-in-life working career. 

I want to have a place to land, rent-free, when I can no longer try to work.  Still hoping I can muddle through until age 70 to maximize that social security payment. 

There seems to be some longevity in my genes, and I’m betting I will beat the actuarial tables. 

With my luck, social security will go bust before I get there.
Such is the price of  living in “Paradise”… or trying to, anyway.    Hey!  I have no winter heating bills!

—Hank… shopping for Hot Properties on the volcano lava flows.

Hard as this is for me to write, I’d advise Hank against taking the the rental ownership route.  Get homestead exemptions and senior tax breaks as soon as you can, while they are still around.

Oahu, in particular, has a huge homeless problem – we’ve been tracking it for months.  It’s the kind of thing we reread when we see employment figures.  The rollover in play seems to be axing highly skilled senior workers, like Hank and bringing in 3-lower paid kids part time.  Employed headcount goes up, and the main victims are the “million Hanks” in every skilled job from Wall St.

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We could be really screwed next week….if we panic.

BUT:  There’s a saying attributed to one of the Rothschild’s (another low-income family, lol) that said when people around you are panicking, to “Buy when the blood is running in the streets…”

While we don’t make specific financial advice, we know people who do  – like my friend Robin Landry.

He and I have been going back and forth about where this decline will stop. 

Without getting into a technical discussion, which we will save for our Peoplenomics.com subscribers, the two most likely stopping areas are around the 1,885 level on the S&P and around 1,760 with a spike down to perhaps 1,740’ish.

That’s when we get the base in from which we should begin a fifth wave rally that should last a couple of years.

Ideally, I’d like to see the high come in around June-September of 2017 and the real collapse of the market starting in October of 2017.  Robin’s thinking was that it might go longer.  But in any event, it should set new highs.

Still, there is a major asterisk to be watched.  That is a phenomena called a fifth wave failure.  You can search on it and read up on it, if it matters.

Unless you’re actually trading the market yourself?  I wouldn’t bother.  If your retirement fund is in a telephone switching system, you would likely be in bonds while the market is going down *(they often go up in value in major declines) and when you sense the bottom is in, then back into big stock pools.

If you are trading a few bucks aggressively on the side, you can have as much fun as the slot machines and maybe you can get your spouse to dress-up as a cocktailer – and pretend you’ve gone to Las Vegas.  Except the odds are better.

Since Elaine and I didn’t win the PowerBall last night (there were three winners, details over here) it looks like we will have to keep living life without servants.

Early on, the stock market was looking at about a 50-point gain on the Dow.  But we’re starting to see a few articles that are suggesting – as we have – that the end is not here for China.  There are some possible bargains to be had there.

While the following press is writing about ways to China-proof your investments, (“9 Dividends Stocks To China-Proof Your Portfolio”) the Leading press is writing about how Starbucks is making a big play in China.

One of the things we quietly do with our www.nostracodeus.com project is to quietly “{keep score” between leading article and lagging articles.  Over time, you can get a sense of which bucket to put which stories in.  Then, like a good farmer, you weigh the buckets and make market judgment’s accordingly.

China was down almost 2% overnight (again) and Japan was down 2.6%.  In Europe, Germany and France were down almost 2 1/2% while the Kneelers on Fleet St were down 1.5%…

While the U.S. market may stage a technical (*and options-related) bounce for a day or two, next week seems like a good time to look for a washout.

When it comes, you’ll want to be wearing good lug-soled boots…things will be slippery with all that blood running in The Street.

Import Prices Down 8.2% in Past Year!

There’s a new report out from the Labor Department that is worth a good bit of study:

U.S. import prices declined 1.2 percent in December, the U.S.

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I can’t believe it.

Here we are, in a monumental market and I get an email from someone asking me what they should do.

Yeah, times seem worrisome, but they are now.  But it’s easy to be swept up in the stampede of fear and go off and do stupid things.  I know people who sold at the top in 2008 and some who sold at the bottom in 2009.  So how does a person avoid the traps?

The short answer is:  Learn to think.

Once you have THAT underway, then get some good economic perspective from outside the box and consider longer-term historical views based on basic market fundamental analysis with an appreciation of long wave economics.

But don’t write in – as a non-subscriber to our www.peoplenomics.com service and expect me to drop everything to issue personal pearls of wisdom.  I don’t do that.

The fact is, this site costs me a bundle in expenses and getting up at 5 AM to explain how the world is NOT ending.  Along the way, I might mention what we would would have done  if we’d won the PowerBall last night.

The second fact of life is that people only value information they pay for.  If I were to lay out the next 6-years of global economic history, handing it over on a silver platter (with a side of French toast) would you pay any attention?

No.

More than likely you’d whine that I misspelled something…

Don’t get ne wrong:  I like that you reading UrbanSurvival – that’s what it’s for.  I especially when people post thoughtful comments.  The future is a dance, and every time we speak or interact with others who help create the future, we take part in shaping it.

But if you write to me seeking personalized advice or comment, and you’re not a subscriber, I quickly infer (since you can’t afford $40 bucks a year for our newsletter).  Now, since you can’t afford $40-bucks, is it worth my time to answer a financial question? 

In a word: No.

There is a class of exceptions – and this is part of our economic education mission:  If you are either retired on fixed income and are already set in your ways, or you haven’t figured out how to start the “saving $500 per month” habit.  That is another matter.

I can’t tell you often enough about the importance of setting up a regular savings habit.

Most people have stupid vices that come up to t$500 a month.  Hell, I know people whose bar tabs come to this – and more.  .

Consider this:  How many people have season tickets for sporting events.  Or, they will go out to dinner twice a week.  They buy humungous Cable packages and  have phone bills are $250 per month.

There is another way, honest to God. 

Think about this.  Let’s pretend that when Elaine and I got married (which we did in 2000) we had zero in savings. 

Reality check:  We owned a sailboat and that was about it.

But think about this:  Saving $500 a month,  run the math. 

$6,000 per year, 16-years,.

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A short note to begin with:  Both Grady (chief coder and guru at our www.nostracodeus.com project) and I are wondering why the words “Washington” and “flash” have started appearing around one another lately?

Here’s a note from G this morning:

Sent 5:17 am 12 Jan 2015

Houston case sign break golden position education state ready Washington bay

Obama break explosion position law state money Washington flash police dead

This is not the first time “flash” has popped up in our data…it began to build a couple of weeks before the NK bomb test.  But we were both thinking it would be tapering down thereafter.  

It hasn’t.

“State” and “break” are showing up, too.

When we get word clusters like this, I tend to try and make sentences out of them.  For example, something like “Washington state flash break” could mean something like a major power intertie off Grand Coulee getting attacked, or who knows what.

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