Saturday, October 31, 2015

Motto of a fiscal conservative

The government should fix how to raise cash not how to borrow more money.

Every voter wants to get more freebies but does not want to bite the bullet - that's why US is declining! It is so simple, so obvious and we're so stupid and so short-sighted!!!!

The politician buys Hispanic votes by allowing them in openly. They let the benefits of the elderly grow. They want to be the world policeman. They just borrow more and more and let the next generation(s) to pay for it.

Trump busted all these even I do not like him that much.

Talking about politics in a year with all the debates, here are my rants.

Tuesday, October 27, 2015

Bad business decisions

I have so many bad experiences recently. I bet their competitors do the same, so I do not want to show the names of the offending companies if I have an option.

*         My car problem.
I could not take the key out from my ignition switch all the time. It is a new car from one of the two major Japanese car manufacturers. They honestly acknowledged it was a common problem for my model. After several unsuccessful fixes and giving me goodies such as free oil change, I called the service manager and yelled at him it was THEIR problem not mine.

Finally, it was fixed with a solenoid costing about $5. What a waste of time, theirs and mine. This customer will not be happy and they still have to spend the $5 plus the oil change and all the free apples I can pocket. I still have not received my customer satisfaction survey.

·*        I received a letter from my one of my funds asking me to respond so it will not be treated as an abandoned property. The checks of the dividends and the capital gains must have been cashed by a ghost. I responded by closing the account.

·         I was lured to another cable company for their generous offer. I asked my current cable company to match the same deal and they refused. I switched. Since then and 5 years later, I still received their junk mails offering better offers I cannot ‘refuse’. Cut down many trees in the process.

*       My Sunday paper raised the price to $5. It is a dying industry as I got all my news from TV and the web. I quickly cancelled my subscription. Since then, they have left many messages and sent me junk mails almost once a week. If they did not raise the price, I would have stayed with them. Try to squeeze the last milk from a dying cow.

*      I had a reader telling me to improve my writing style. I asked him whether he followed the book’s technique to accumulate cash before the correction in August, 2015. He did not and he is supposed to be a keen business man. Wrong objective for buying a book on investing!

   My ‘favorite’ charity called me 8 times for donations. I will not donate via them again. I hate to be disturbed during dinner.

*    I want to know how all the three market indexes, oil and gold are doing at least once a day. now ‘hides’ this information in order to show their programmer can do a fancy job without caring what the customer wants. For me, just switch to another web site.

*     I almost missed my connecting flight to Boston in Toronto. First, why I have to clear custom in a foreign country? Second, why the old process took minutes and this one takes almost an hour. The designer must have to change the system so s/he can hire more employees or just had too many drinks during lunch.

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Sunday, October 25, 2015

A Nation of No Losers

** After several years,  I made a few updates today on this article. There must be many changes. If you have ones, please send them to Be warned that they will be used freely by me with no compensation.  **

 A Nation of No Losers

We do not let you be a loser!
Your mistakes will be rewarded handsomely.

When you bought a mansion that you cannot afford, we bail you out.
When your beach-front house was destroyed by hurricane, we give you money to build one (and the next one too).
When you bought a clunker that you should not have, we give you $4,500.
When you bought any inefficient appliance, we pay you no matter how old they are.
When you returned an old gun, we give you money for a better, updated gun so you can kill more.
When you lost your job, we extended your benefits.
When you cannot pay your college loan, we will give you amnesty.
When you ran out of money for Christmas gifts, we give you 2% payroll tax reduction.

When you do not have saving or a real job, we give you free health care.
When you have saving or a real job, we take your free health care away.
When you die penniless, we help you out.
When you die with millions, we share your wealth.

Drunk drivers, no one will prosecute you as the entire jury and even the judge are drunk.
Druggies, as long as you do not inhale, you’re still a no-loser – we even elect you for our top job.
We also make some drugs legal to boost our tax incomes without checking how many more deformed babies.
Murderers, as long as you provide money to a good lawyer, you will be free.
Baby killers, we give you a movie / book deal to give you incentive to kill your next baby.
Prisoners, we will let you free so we can fix our budget problem.

Rapists, you’re in good company of our politicians, coaches and clergymen who rape and cheat as a glorious sport.
Altar boys, you could be the top 1%. Some real losers want to know which churches you went to.
Minority kids, we give you special pass to go to college and jobs.
Teenagers, the more babies you have, the more benefits you have. Keep them coming.
Grade F students, it is your teachers’ fault to give you too much homework.
We can demolish the grade system, so we have no more F students. Simple fix!
Old folks, your driver's license is also a license to kill.

Fatsos do not worry. Our up-coming drugs will melt all your fat while you eat.
At the meantime, we double all seat sizes in buses, airplanes..., triple the size of the value meals and replace the slim actors with fatsos to make you look like a no-loser.

Congressmen, insider trading was legal to your privileged club. Sorry to close this loophole but you can keep the loot publicly.
Lobbyists, help us to put tariff on Chinese products that we cannot compete with.

Prisoners, you will get the flu shots first and free dental care. If your local jails are full, we beg you to leave with free transportation and goodies.
Gun control, what’s that?
When you cheated billion, you can retire in a resort-like 'prison'.
Also, the billions your wife hid are hers - no questions asked.

When your company fails, we bail it out.
The executives are rewarded with bailout money for bringing down a company.
When your company is failing, we give you half a billion – what a country!!!

All athletes are rewarded with millions for taking drugs.

The foreigners are copying our invention without paying us royalty!

We have to lay off our scientists due to lack of funds.
But, we have funds to bomb Syria.
We can borrow money from China to contain China.
When our friend Korea and Japan fight against each other, we will sell jets to both of you as both are no-losers.
A friend of a no-loser is a no-loser.
An enemy of a no-loser is a no-loser too.

The small catch.
We need your vote to re-elect us every four years.

The children cannot vote today, so let's pass our debts to them.
China does not have a voice here, so let's pass all the blame to them.

Even the entire world agrees with us.
Our President was awarded the Nobel Prize for doing nothing but reckless spending, so why do you work hard and save?

The above serves as a wakeup call / satire / joke and nothing more. It is written by a 'winner' who actually is a ‘loser’.

·         This blog receives a lot of good responses but a few personal attacks like ‘why don’t you go back to China’. If we do not know our problems, we cannot fix them. Again, all the problems are minor and can be easily fixed.  I hope I’ll re-write the above and this time in past tense. Actually I did use past tense on insiders’ trading by our Congressmen.

·         I have enough material to write a similar article on China. However, Chinese government is less open than the U.S.

·         Trump must have read this article: Tell the truth and be honest. He will be our next president if he is less Trump and the other politicians can beat him if they are less politician.

·         Martin whom I do not know said: Thanks for this one! I had fun reading this. I would be glad to share this to others!! This is a blog that should be read over and over again!!
       Click here for more Afterthoughts.

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Friday, October 23, 2015

Super Stock investing

After I wrote the book Super Stock, I bought stocks based on the super stock metrics. They have wild swings. It turns out pretty good especially compared to SPY. If I kept NHTC, it would have 180%. I sold it as it surged too high and too fast; I should have used “mental trailing stop loss” to let the stock rise. I have not practiced what I preach in my own book!

As of this writing (10/21/2015), the results are:

Bought on
Sold on




FONR has been bought two times.

SCX was shown in my list for evaluation but I could not find it in my positions or closed positions. SCX has a loss of 28%.

The market is risky so I quit buying stocks with these metrics after 03/04/2015.

Again, past performances have no prediction power to future performances. This book serves as an education tool.

Click here for my books.