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Three reasons you behave irrationally when it comes to money
Financial planning involves a series of seemingly endless decisions. Should you participate in an employer-sponsored retirement savings plan? Where should you put money for the best investment return? Should you save less for your child’s education to save more for your retirement?
Whenever you’re confronted with having to make these decisions, you become a test case for behavioral economics, a discipline that explores irrational thinking and economic decision making in a person’s daily life.
Even if you are a rational thinker, you may exhibit behavior that is predictably irrational when it comes to money. If you can recognize irrational behavior, you can take steps to avoid it and make better financial decisions. Do you show signs of any of the following?
Anchoring is defined as the heavy reliance on one piece of information (anchoring to it) when making a decision. The information in question may not be accurate or even logical. It might simply be a reference for comparison.
A classic example involves clothes shopping. Who hasn’t spotted clothing with an enormous price markdown? In this scenario, the original price is provided as an anchor, something for comparison. The new price becomes a “steal” too good to resist. But is it really?
While retailers provide anchors, investors often create them in their own minds. A stock, mutual fund, vacant land or rental apartment building that has dropped in price may look attractive relative to its previous high price. In reality, the lower price may still be too high.
Avoid being drawn into anchoring by not limiting yourself to a single point of view. Seek information from a variety of sources, and view situations from different perspectives.
Why is it that a gain in retirement accounts at the end of the year doesn’t feel as good as an equivalent loss feels painful? Loss hurts approximately twice as much, according to research in the paper “Prospect Theory: An analysis of decision under risk.”
Loss aversion explains, in part, why retirement savings-account contributions are usually automatically deducted from a paycheck. If you had to actively deduct retirement savings, health insurance and taxes after getting paid, behavioral economists say your sense of loss would increase.
You’d likely still pull out money to pay Uncle Sam, but you’d also be less inclined to consistently contribute the same amount or more to your savings plan.
Loss aversion applies to potential investment losses as well. Fear of loss can cause you to make investment decisions that are too safe, resulting in low returns that may just barely keep up with rising costs.
If you’re someone who likes to invest in the stock market, you probably understand the concept of loss aversion as it applies to a poorly performing stock. It’s not uncommon for an investor to keep a poor performer when evidence suggests it should be sold.
An investor hoping to avoid the pain of lost money by keeping a stock that should be sold may be exhibiting loss aversion. If you find yourself in any of these situations, stop and think them through. Simply being aware of the irrational extent to which you might go to avoid real or perceived loss may help you make better financial decisions.
Writer Oscar Wilde is credited with having once said, “I never put off till tomorrow what I can do the day after.” This sentiment might have worked for him, but it’s a terrible way to approach financial planning.
Why do people so often procrastinate when it comes to financial planning? Behavioral economists say it has to do with temporal discounting, valuing immediate gains over future gains. This helps to explain why you might firmly believe eating right is good for long-term health, but a chocolate sundae available right now quiets your inner rational voice.
On a financial level, temporal discounting is a big reason not everyone who can participate in an employer-sponsored retirement savings plan actually does so. It seems logical that any employee offered an employer-matching contribution typical of these savings plans, essentially free money, would take it.
Yet, according to the American Benefits Council, approximately 13 percent of eligible participants do not enroll when the plan is offered.
Some employers, in an effort to increase plan participation rates, have positioned them as opt-out plans instead of opt-in. Employees have to actively decide not to participate. Framing participation this way tends to increase employee participation rates.
If procrastination is like bedrock to your way of thinking, can you overcome it? Yes. You could try pre-committing to a deadline for the activity in question and self-imposing a costly penalty for missing it. Studies have demonstrated that this tactic works.
Become Your Own Ally
When it comes to financial planning, you can learn to avoid irrational behaviors. Additionally, a financial professional can assist by helping you to identify your goals and implementing a financial plan to help you reach them.
A financial plan can help you see how your decisions impact your finances. Taking these steps can help you avoid succumbing to innate irrationality.
What I learned about life...
The only way to know is experience, but not everyone learns; thus, they repeat their mistakes.
If failure was the yard stick used to measure success, then I would be the most successful of all. Life has taught me many things, and the most important of all is that God exists, that he loves us, that he is the God that forgives and without him in our lives we are nothing.
When we were born, we were crying and everyone around you was smiling. Live your life so that when you die, you are the one that is smiling.
Watch the video: https://youtu.be/ticQneFKV-k
Liberalism in America is a big fat lie! Liberals talk about "our values" but their corrupt, divisive, liberal values… are not America’s values!
Hillary Clinton’s defeat is precisely what it seems to be: a rejection not only of the Democratic Party but of contemporary warped, corrosive liberalism. Not only did Clinton lose, but Obama’s legacy was also rejected as an epic failure.
Democrats today may see themselves as heirs to a progressive tradition that traces its lineage back to racist Woodrow Wilson. But that does not describe the Democratic Party that elevated Obama and Hillary Clinton to the position of standard bearer.
Today’s version of progressivism represented by Obama and Clinton accommodates present-day Godless criminality and hate. Rather than trying to build America up, Democrats now willfully create division and tear America down.
Even after losing the election, the divisive Democrat party still doesn’t get it. Corrupt Democrats and the corrupt liberal media have doubled down on their lies and division. The moral of the story… never, ever trust a liberal!
Here are some of devious Democrat's "schemes" for the week... 02/24/2017
An Islamic terrorist attacked Ohio State University... three months later, the college knotheads held a lecture on Islamophobia?
After being subject to a terrorist attack by a Somali refugee student less than three months ago, Ohio State University (OSU) is hosting a lecture Monday night on the dangers of “Islamophobia.”
The College Fix reports that the university’s Middle East Studies Center and Multicultural Center are jointly hosting a visit by author Nathan Lean, who will tell students about the “pernicious phenomenon” of Islamophobia that has reached “a fevered pitch” in American society.
Lean’s visit to the campus comes about three months after Somali refugee and Ohio State student Abdul Artan drove his car into a crowd of students and starting stabbing people before an OSU police officer shot him dead. Artan had identified himself as an al-Qaida supporter.
There were thousands of lame liberal protestors in several major cites, for "Not my President Day." However, the turnout across the country was not what Democrats hoped for. The liberal protest scam is losing steam quickly! The reason being, most of the paid protestors don't know why they're protesting?
This is how thousands of moronic liberals celebrated Presidents' Day
Thousands of liberals gathered on Presidents' Day, in an effort to virtue signal the American public and whine about a reality they helped bring about. As Townhall notes: Thousands of protesters gathered in cities across the nation Monday to protest President Donald Trump on Presidents Day.
“Donald Trump stands against the progress we have worked hard to enact,” Facebook descriptions of the events read. “He does not represent our interests. He was voted in by a minority of the American public but governs as if there's no resistance.
But there is — and on February 20th, we will honor previous presidents by exercising our constitutional right to assemble and peacefully protest everything Donald Trump stands for.”
America Celebrates Presidents' Day! On this day, we affirm our patriotic love of America! Liar liberalism is anti-American! Most Americans love their country - liberals want to destroy it.
More than 47,000 people said they were interested in attending the New York City event Monday, while tens of thousands of others said they would be going to protests in Chicago, Los Angeles, Washington, D.C., and Baltimore, among other cities.
Memo to liberals: Grow up. Donald Trump is your president. Elections have consequences. If you lose, you respect the result and you go about trying to figure out what went wrong. As the National Review's Mark Antonio Wright noted back in November:
The duty of an American citizen is to respect the office of the president of the United States, support the policies of the man holding that office when he agrees with those policies, and fight those policies when he doesn’t. He is the president, however, and that means he is rightly due the appropriate level of republican deference becoming of his office.
An American citizen should always hope and pray that the president uses his powers wisely and justly. And he should, of course, criticize a president vocally when he fails in that duty.
So yeah, grow up.
President Trump is trying to Make America Great Again... the TSA is failing to protect flyers from terrorists
Eleven passengers walked through a security lane without being screened at Kennedy Airport early Monday because the TSA left the area open and unattended, law enforcement sources said.
A security camera captured a metal detector going off three times as the travelers walked through the screening lane, the sources said.
There was no one present to operate the magnetometer, the x-ray machine and do the pat downs and secondary screening, the sources said.
The breach happened just after 6 a.m. at Jet Blue’s Terminal 5, but two hours passed before Transportation Security Administration officials notified the Port Authority Police Department, the sources said.
A crocodile and its tamer perform during the presentation of the new show "Water and Fire" at the National Circus in Kiev, Ukraine, on February 16, 2017.
People wearing helmets are sprayed by sparks during the Yanshui Beehive Rockets Festival on February 11, 2017 in Yanshui District, Tainan City, Taiwan. The festival is an annual tradition held on the 15th day after the beginning of the Lunar New Year in Tainan Ciy for over 130 years. Located in Yanshui District, it’s ranked as the fifth most dangerous festival in the world.
Nico Porteous of New Zealand in action during the FIS Freestyle World Cup Ski Halfpipe Qualification at Bokwang Snow Park on February 16, 2017, in Pyeongchang-gun, South Korea.
Young alpacas, male Romeo (left) and female Juliette, walk inside their open air enclosure as employees congratulate coupled animals on Valentine's Day at the Roev Ruchey Zoo in Krasnoyarsk, Russia, on February 14, 2017.
A worker cleans the roof of the National Grand Theatre on a polluted day in Beijing, China, on February 15, 2017.
Thierry Neuville of Belgium drives his Hyundai i20 WRC during Rally Sweden, held in Torsby, Sweden, on February 11, 2017.
The Tornado steam locomotive pulls the first time-tabled main line steam-hauled service for half a century across the Ribblehead viaduct in North Yorkshire on February 14, 2017 in Appleby, England. It is the first time in decades that a steam locomotive has been used for time-tabled services on the world famous Carlisle to Settle line.
Rowers wearing costumes sail along the Grand Canal for the Carnival Regatta on the opening day of the Venice Carnival on February 12, 2017 in Venice, Italy.
Good things take time.
I don’t want a perfect life, I want a happy life.
Success is not a good teacher. Failure makes you humble. -- Shah Rukh Kahn
Anyone can give exceptional service to their largest customers. Only the exceptional do the same for their smallest customers.
“God is my strength and power and he maketh my way perfect.” – Samuel 22:33
America: "In God We Trust!" Melania Trump began President Trump’s Florida rally, by delivering The Lord's Prayer. AMERICA LOVED IT!
Melania Trump did something beautiful the other day... and America loved it! But heartless atheist liberals reacted with vile hatred
At a campaign rally for her husband’s 2020 re-election campaign on Saturday, the First Lady took the stage to recite the Lord’s Prayer. While she was warmly and enthusiastically received by the crowd at Orlando-Melbourne Airport, liberals online had a different reaction - attacking Melania for just about everything.
Some attacked her faith, like Twitter user, Stefan Plattner - who complained that Melania’s prayer “makes Jesus turn in his grave.” Another user, Nicole Angeleen, dropped all pretense and told Melania that "you’re not Christian”!
Others targeted Melania, the first foreign-born First Lady in more than two centuries, for her distinctive Slovenian accent: Twitter user, Joe Carnahan, said Melania’s prayer "sounds like someone getting cursed to become a ‘Dracula’.”
Another user, Adrian Short, said: "With an hour’s practice I could probably say the Lord’s Prayer better in Slovene than Melania Trump does it in English.” Melania, of course, fluently speaks more languages than any other First Lady in history. (She speaks six languages - two more than even First Lady Jacqueline Kennedy, who famously spoke four.)
Other users, like Harry Benson, went after Melania’s reputation - saying that the former supermodel recited the prayer "like a whore in confession after a night of escorting.” (Democrats are demented!)
Melania Trump has, so far, been a far less visible than many other recent First Ladies - but, based on the hostile and sexist reaction from the left whenever she takes a public role, it’s not hard to see why.
Yet that is exactly what all non-liberals in America must do... push past the lame liberals liars. America is far too important, to sit back and hope for the best. We must fight for the country we love!.
Watch the video: https://www.youtube.com/watch?v=MdcnHoa8IpE
Radical Muslims riot in major Swedish city north of Stockholm
Swedish police on Tuesday were investigating a riot that broke out overnight in a predominantly immigrant suburb in Stockholm after officers arrested a suspect on drug charges.
The clashes started late Monday when a police car arrested a suspect and people started throwing stones at them in Rinkeby, north of Stockholm. Unidentified people, including some wearing masks, also set cars on fire and looted shops.
One officer was slightly injured when a rock hit his arm and one person was arrested for throwing rocks, police spokesman Lars Bystrom said Tuesday. Some civilians who tried to stop the looters were also assaulted, he added.
PRESIDENT TRUMP RIGHT AGAIN! Radical Muslim Gangs Rioted in Sweden last night. U.S. Liberals cheered?
Another officer fired his gun, not as a warning shot but because he was "in a situation that demanded he used his firearm," Bystrom said, adding "no one was hit."
Note the use of "predominantly immigrant suburb." What type of immigrants, we wonder? Well, the kind Donald Trump warned us about in a speech that earned him the derision of the lamestream media:
Anyway, we wish the people of Sweden the best and hope they're able to turn this sinking ship around. That said, what's happening there should be a wakeup call for all of Europe and America.
Watch the video: https://www.youtube.com/watch?v=EgUIPtetD50
Communist leader of the Demon Democrats, George Soros, pays clueless liberals to stage violent and non-violent protests in major cities. But Democrats only make up about 20% of the voters. The other 80% of voters are angered and disgusted by liberal agitators, crime and violence.
Rejecting Violent Democrat Protests
It's easy to raise a squinted brow and bravely declare yourself "anti-violence" -- but that's not what this is about.
Personally I think violence gets a bad rep. It's good exercise, super fun when you're drunk and/or on meth, and responsible for Martin Scorsese's entire career.
So rest assured that when I say that violence hurts protests, I'm not speaking from some moral high road; but rather coming from the purely statistical perspective that nonviolent demonstrations have a higher success rate than brick-throwing.
While it seems too good to be true, the retrospectively obvious reason can be best explained by looking at the highest-grossing films of all time.
Notice what they have in common? None of them are rated R. The first 18+ film actually appears 115 places from the top, and even then it's a movie about a suffering Jesus Christ. Because violence isn't inclusive.
Violent protest repels legitimate support faster than a "Legalize It" banner made of cursed mummy wrap. And when it comes to overthrowing a government, it's all about universal popularity despite the undeniable disruption a protest causes.
Here's the thing: assuming the police are perfect angels (they won't be), even non-violent protests are objectively volatile from the start.
Every demonstration from Occupy Wall Street to Ferguson to the Red Shirts in Bangkok wafts of sickly pot smoke and drains the local economy like an sozzled money vampire.
Even the least violent events leave mountains of trash and harbor boisterous jackassery -- which the opposition inevitably uses to discredit the cause. This has gone on for decades, from Reddit scolding women's march litterbugs to the Civil Rights march on Selma.
LIBERALS EXPOSED! Anti-American liberals have spread like a cancer in our media, schools, government! TRUMP TAKES THEM OUT!
It's amazing what petty straws will be grasped when people don't have a leg to stand on. Almost every Democrat-paid protestor who is asked the question by news media, "What are you protesting?" ... has a dumbfounded look and a clueless babbling reply.
Finally -- protests don't require violence because it doesn't actually take that much force to topple tyranny. According to historical studies, only 3.5 percent of a population needs to engage in continuous nonviolent opposition, in order to swiftly overcome a dictatorship.
Take for example, the overthrow of the eight-year Obama/Democrat dictatorship. While liberals were busy lying to the public and destroying America the Beautiful... Donald Trump was winning the minds and hearts of the middle-class, with real plans to "Make America Great Again!"
But let's not get ahead of ourselves just yet. Because we haven't even gotten to the marketing stage of our revolution (yes, there's a marketing stage).
"Eminence Front" ... The Who Live 1982
You can tell it's a good song... if it's used in a commercial over 30 years later.
Watch the video: https://www.youtube.com/watch?v=APgC6XYcmSY
“Eminence Front” The Lyrics:
Written by: Pete Townsend
The sun shines, and people forget
The spray flies as the speedboat glides
And people forget, forget they're hiding
The girls smile, and people forget
The snow packs as the skier tracks
People forget, forget they're hiding
Behind an eminence front
Eminence front, it's a put on
It's an eminence front
It's an eminence front, it's a put on
An eminence front
Eminence front, a put on, eminence front
It's an eminence front
It's an eminence front, it's a put on
It's a put on, it's a put on, it's a put on
Come and join the party
Dress to kill
Won't you come and join the party
Dress to kill, dress to kill
Drinks flow, people forget
That big wheel spins, the hair thins
People forget, forget they're hiding
The news slows, people forget
The shares crash, hopes are dashed
People forget, forget they're hiding
Behind an eminence front
An eminence front, it's a put on
It's just an eminence front
An eminence front, it's a put on
An eminence front
An eminence front, it's a put on
It's an eminence front, it's a put on
It's a put on, it's a put on, it's a put on
Come and join the party
Come on join the party
Come on join the party
Come on join the party
Dress to kill
Dress yourself to kill
The 19th century Stethoscope... has a new digital version
The digital stethoscope lets patients and doctors record cardiac and lung sounds, then stream them to a clinician remotely, storing them for comparisons later.
Doctors have always relied on the stethoscope to diagnose common conditions, from asthma and pneumonia to the common cold. The modern stethoscope has become a symbol of being a physician.
However, the technology is still basically the same as the 19th century French invention of putting a wooden tube to the patient’s body to augment sounds.
In the day of portable ultrasound and cloud storage, the stethoscope cannot be used to diagnose a patient remotely, or compare records over time. It was high time to bring it to the digital age.
A digital stethoscope for a digital age
A few years ago, I met Hon Weng Chong, a physician in Melbourne Australia, who described a fantastic idea to me. He grew up in the digital world but the devices he had to work with as an aspiring physician were analogue. He decided to change this, and prototyped the first digital stethoscope.
The genius of his approach was creating a really simple, portable device that can be paired with a smartphone application. CliniCloud was launched in 2016.
I was among the first people to test it. Let’s see how it looks!
Unboxing the Clinicloud
It comes in a neat blue package which contains the digital stethoscope, the cable connecting the device and the smartphone; and a non-contact thermometer.
CliniCloud’s thermometer takes temperature readings instantly with no skin contact required. Users don’t have to wake a child while measuring their body temperature, and the measurement only takes a few seconds.
The stethoscope helps listen to the heart or the lung and also measures heart rate. It’s crucial where you place the device – fortunately, the app guides you through either a quick or full check-up. With these intuitive prompts, anyone can use CliniCloud without prior training.
CliniCloud integrates recordings from the two devices and brings them together in one application (available both on iOS and Android). You can store these readings on your phone or a secure cloud server, and show them easily to a clinician or patient.
The app also provides metrics such as respiratory rate and heart rate to help you see if anything is out of the ordinary. You can review health status over time, which includes vitals such as temperature, respiratory rate and heart rate, as well as qualitative metrics and notes, to help you identify health trends.
You can manage your family’s health from a single app, by creating multiple accounts. You can even give temporary access to doctors and other caregivers.
Clinicloud also integrated the Doctor On Demand service, so users can video chat with a physician and for the first time, get heart and lung sounds examined whenever they need, as if they were face to face with their doctor.
If you’re a patient, Clinicloud’s digital health kit can help you track your respiratory and cardiac health, as well as those of your children or elder relatives.
If you’re a doctor who is on the road frequently, a GP who sees patients several times a year or a pulmonologist, the digital stethoscope can help you compare a patient’s readings before, during, and even years after therapy.
Tim Tebow Foundation hosts for record-breaking 75,000 Special Needs' Teens in annual "Night to Shine" proms
For 75,000 "queen and king" teens with special needs, the annual Tim Tebow Foundation "Night to Shine" prom was the place to be Friday evening, across 375 host churches in 50 states, 11 countries and six continents.
Making it even better in Haiti and in Jacksonville, Fla. was that Christian athlete and former Florida Gator quarterback Tim Tebow attended those events to add his personal, special blessings. Tebow escorted some of the ladies down the red carpet and took selfies with a lot of the people who were there in northern Florida, reports News4JAX.
Teenagers 14 years and older at the event had a great time at the prom, and many of the teachers, counselors and parents who came to support the kids walked away knowing they played a part in something very special that the kids would never forget.
The multi-location prom events were supported by 150,000 volunteers, according to the foundation's website. "Their faces light up. They glow," said teacher Barbara Johns. "They're so happy walking down the red carpet and having people clap for them is just amazing."
Night to Shine business partners included ARS Rescue Rooter, Chick-Fil-A, Secure Search, Shindigz, Firehouse Subs, Prom Guy and Publix Super Market Charities.
Tebow started the foundation in 2010, with a mission to bring faith, hope and love to those needing a brighter day in their darkest hour of need. "This foundation, and all of our outreach initiatives, were primarily created to show God's love to children around the world," he said.
"We just left our first Night to Shine here in Haiti," Tebow said in a video posted to Instagram. "Tonight was life-changing. For me to be able to dance with all of these kids and have so much fun cheering them on, and just love them and show the love of God to every single one of them, because love He loves us all so much."
Every guest of Night to Shine entered their prom on a red carpet greeted by friendly paparazzi. Guests had access to hair, makeup and shoe-shining stations, along with corsages, boutonnieres, a karaoke room and dancing.
According to a local ABC news station in Texas, the elaborate event was hosted by just 44 churches in 2015 before growing to 200 in 2016. For this year's events, the 32,000 special needs attendees from last year are expected to grow in the thousands, reports The Christian Post.
In 2015, Tebow made surprise appearances at events held in North Carolina and South Carolina where he met fans, walked down the red carpet, posed for pictures and helped shine attendees' dress shoes.
The Tim Tebow Foundation contributes more than $3 million in financial grants to assist churches in hosting Night to Shine in their communities. On the foundation Facebook page, Tina Best Bassett stated Tebow "has never won a super bowl but instead he is winning people for the Kingdom of Christ! Love me some Tim Tebow! He is hands down the best!"
"Football and baseball are your platforms, but I believe that this is what God made you to do!" agreed Kim Chiurazzi on Facebook. "You are a man of many talents, but a man with an even bigger heart! God bless you, Tim Tebow. Keep on doing such good for others! You make such a difference!"
Watch the video: https://youtu.be/BFUDzoE27Vw
Dumb Democrat asked if the rear blinker was working?
Dumb Democrat replied 'Yes, it is. No, it's not. Yes, it is. No, it's not.'
ABC just announced that Rachel Lindsay, a 31-year-old attorney, will be the first African-American to star as “The Bachelorette.” Even more impressive, she’s the first bachelorette with a real job! -- Jimmy Fallon
Singer Elle King just revealed that she ate a bunch of pot muffins before the Grammys this year. Yeah, people noticed that she seemed high when she went up to make her acceptance speech — you know, ’cuz she didn’t win any awards. -- Jimmy Fallon
At the box office this past weekend, “Lego Batman” beat out the sequel to “Fifty Shades of Grey.” When asked for comment, the movie “Fifty Shades” said, “That’s OK, I like being dominated.” -- Conan O’Brien
Thieves in London made off with $3 million worth of rare books from the Middle Ages. Authorities describe the suspect as “boring.” -- Conan O’Brien
Facebook has just added a new tool for finding help during disasters. Unfortunately, then Facebook shows you photos of your friends having a much better time during their disasters. -- Conan O’Brien
President Trump today visited the National Museum of African American History and Culture … as part of his ongoing quest to find Barack Obama’s birth certificate. -- Seth Meyers
At a rally this weekend, President Trump compared himself to Abraham Lincoln, who he claimed, “fought with the media and called them out.” Yup, that’s who Abraham Lincoln was most famous for warring with. The media. -- Seth Meyers
President Trump today tweeted that the “failing New York Times must apologize” for publishing leaks from his administration, but at this point, if they didn’t publish White House leaks, the whole paper would just be the crossword. -- Seth Meyers
The makers of the board game Monopoly have announced that they are dropping the thimble token in favor of new pieces in the shape of emojis and hashtags. Although, if you’re trying to modernize Monopoly, maybe start with Oriental Avenue. We call it Asian-American Avenue now. -- Seth Meyers
Taco Bell has announced plans to offer a $600 wedding service at its flagship restaurant in Las Vegas. And this is cool — the burritos are conveniently wrapped in divorce papers. -- Seth Meyers
President Trump is enforcing our Immigration laws.... something liar Obama failed to do for the past eight years
President Donald Trump's administration plans a return of "rigorous" enforcement of immigration rules, according to Dan Stein, president of the Federation for American Immigration Reform.
"What people don't understand is that after 1994 and 1995, Congress was given the executive, broad, and important powers in controlling immigration, but for eight years, the Obama administration refused to enforce those laws," Stein said during a Wednesday interview on CNN's "New Day."
Now, Stein added, the current administration is "going back to a process, a normalization, if you will, of rigorous, regular immigration enforcement that's consistent with the social contract and our role as a sovereign nation."
"You look at all these orders. If you're here illegally, you need to be thinking about going out and buying some luggage," Stein said.
Sanctuary city law-breaker Denver released a criminal illegal immigrant... two month later he was arrested for murder!
Two months after an illegal immigrant was released from prison in a “sanctuary city" - he was charged with murder.
Ever Valles, 19, was first arrested in October in Denver, on charges of possessing a weapon, vehicle theft, and eluding a police officer.
Because Valles was a “known gang member” who had ben flagged by Immigrations and Customs Enforcement, the federal government issued an order to the Denver Sheriff’s Department, telling them to notify immigration authorities before they released him.
Denver is a sanctuary city run by Democrats. They have been ignoring our immigration laws... protecting illegals, while putting American citizens in danger!
But Denver, a so-called "sanctuary city," failed to notify ICE until about an hour after Valles was released on December 20. By then, it was too late.
Two months later, Valles murdered a 32-year-old man, Tim Cruz. Valles and an accomplice wore masks and backpacks, and robbed Cruz at gunpoint outside a Denver light rail station. During the robbery, one of the two men shot and killed Cruz.
Valles was arrested two days later. He was charged with first-degree murder and aggravated robbery.
In a statement, the city of Denver refused to admit they did anything wrong. They claimed they released Valles because being an illegal immigrant is a “civil matter” - while stressing that they “never have and never will advocate for felons to remains on our streets - immigrants or not."
While loser liberals in America try to boycott Ivanka Trump's products... Chinese companies are scrambling to cash in
Companies in the US are grappling with how to handle Ivanka Trump’s fashion brand, which has become heavily politicized and faces ongoing boycotts over the policies of Trump’s father, US president Donald Trump. But among Chinese firms, a race is on to cash in on the US first daughter’s rising profile.
The South China Morning Post reports that dozens of companies have submitted at least 65 applications to the country’s trademark office to claim “Ivanka” trademark for products such as makeup, booze, wallpaper, nutritional supplements, and other items. For instance, Fujian Yingjie Commodity Company filed to use Ivanka for its brand of sanitary napkins.
Right now the “Ivanka” name is an irresistible target for Chinese companies. Trump is, after all, a stylish figure on the global stage, and her popularity in China has only grown since the election.
She and her daughter, Arabella, recently drew notice for their surprise visit to Beijing’s embassy in Washington to celebrate China’s lunar new year, and her video of Arabella singing in Mandarin and playing with a traditional Chinese puppet circulated widely on the internet in China. A previous video of Arabella reciting a Chinese poem in November had already been a hit.
Chinese law, meanwhile, offers enough leeway regarding use of foreign brands’ and celebrities’ names that companies routinely try to cash in - whether those whose names are used like it or not.
For four years, US basketball legend Michael Jordan fought in Chinese court to stop Qiaodan Sports from using his name - Qiaodan, pronounced “chee-ow dahn,” is the Chinese transliteration of Jordan - and jersey number, 23, to sell clothes and shoes.
Jordan finally won his case in December, annulling the company’s trademark on the Chinese version of the name, 乔丹, though the ruling allowed it to keep using the pinyin version, “Qiaodan.”
Most of the applications to use Ivanka Trump’s first name are still under review, according to the South China Morning Post, and it’s unclear whether they’ll be granted. Trump might also fare better than her predecessors if she decides to challenge any of the trademarks.
Her father, for instance, recently found the Chinese courts suddenly more favorable to his appeals. For years he had fought unsuccessfully for the trademark on use of the Trump name in the construction industry, but as his political prospects grew, his luck changed.
Shortly after he was elected U.S. president in November, China’s court awarded the Trump Organization the trademark.
Infinity: The stone patio transforms into a deck, which mantles the infinity pool. The combination of materials, along with the view of the town, makes this patio a haven of relaxation.
Dream Decks & Patios
Whether seeking solitude or a great place for entertaining, find inspiration in these outdoor spaces.
The second story deck overlooks the patio in the backyard, which offers a grand scene.
Circle It In
The bold white pergola provides a barbecue and dining area unlike any other.
This covered patio, centered around a fireplace, creates a lounge area enjoyed all year long.
Two sets of French doors connect the great room to the back deck, which is elevated 10 feet above ground level to offer stellar views.
Gray deck boards are used to highlight the steps; this way you won't trip because you're too busy looking at the view.
Southern plantation-style landscape design, a cobblestone patio, and a sand and rock fire pit breathe new life into the once-neglected backyard.
The deck takes advantage of the mountain view with the chairs face the setting sun.
Trump says the F-35 is too expensive and he's not wrong. But he’s up against the “Military Industrial Complex.”
This jet fight is a disaster... but Congress keeps buying it? The problem is it's become a money hole with many technical problems. Congress is not good at solving problems, so they throw more money at it
Lockheed Martin F-35 is the Pentagon's newest fighter jet. In a single tweet, Trump called to cancel the program. But the F-35 can't be cancelled because its deeply embedded in American politics, military and economy.
You win the war in the air, you win the war. Well against a traditional military anyway. Guerrillas not so much. But against Russia we would dominate with the F35.
The problem is still the nuke problem. Our current fighters are better than Russias currently but the F35s capabilities would be able to take out radar before the radar sees us, drastically reducing casualties during an air battle and an advance on the ground.
I love the F35 in an ideological way, but it's preparing for the future. A future that may not come. These companies need to slow it down, take their time, and do it right.
Watch the video: https://www.youtube.com/watch?v=ba63OVl1MHw
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Thought for the day...
California Governor Jerry Brown funds student illegals... but cuts middle-class scholarships for Americans? That's F'd UP Jerry!
California Governor Jerry Brown won’t touch scholarship funding for illegal immigrant students - while he cuts scholarship funding for middle-class U.S. citizens enrolled in higher education institutions, Campus Reform reports.
Awash in another budget deficit expected to hit $2 billion by this summer, Brown decided to trim education expenses — but spending on scholarships for illegals will continue to increase.
The 2017-18 Governor’s Budget detailed Brown’s intention of phasing out the Middle Class Scholarship program, which assists students who come from households with a combined income of $156,000 or less with 40 per cent of their tuition costs.
“Given the state’s overall financial condition, to continue the Administration’s support for long-term stable growth in funding… and to maintain the broad Cal Grant entitlement for the state’s neediest students, the Budget proposes a phase-out of the Middle Class Scholarship Program,” reads the budget.
The demise of the program is expected to achieve savings for the state of approximately $115 million per year by 2021.
But despite looming economic catastrophe, Brown isn’t keen on reducing scholarships for illegals who are routinely rewarded under the DREAM Act.
The Legislative Analyst’s Office (LAO) examined last year’s proposed budget and found that “implementation of the California Dream Act, which beginning in 2013–14 made certain undocumented and nonresident students eligible for state financial aid, accounts for $67 million of the increase in Cal Grant spending,” their report indicated.
Paul Golaszewski, Principal Fiscal & Policy Analyst for the LAO, told Campus Reform that the DREAM Act is going to cost California taxpayers $88.6 million in fiscal year 2017/18.
Many middle-class families are outraged that student illegals are untouched by budget cuts while Brown is disinterested in the financial burdens of middle class families living in highly-taxed California. They say Brown’s plan lacks a basic comprehension of middle-class need.
“I wake up in the middle of the night thinking about this stuff,” Jill Cohen-Sandler, who has a daughter who plans to attend college, said in an interview with the Los Angeles Times. “I’m constantly calculating, how are we going to make this work?”
Rafi Sands, a UCLA student and vice president of Undergraduate Students Association Council, says Brown is fueling anger and confrontation in his state.
“It’s pitting groups of students against each other,” he told Campus Reform. “There’s an idea that middle-class students don’t deserve to be asking for aid and don’t need it, but from what I’ve seen, people could not be more wrong about that.”