Drinking Like a Champ as a Lightweight

Anyone who has ever known me, even for a minute, knows on a totally sissy-footed lightweight. Lately, I’ve been doing well drinking with some people I think as, well, able to handle their liquor.

I went out last night with a friend. While I’m sure he was not sotally tober upon my arrival, we had a couple beers at a bar.

We were eating food, because I just like food more than liquor. I was outpacing him.

Today I got the text, “Man, I must’ve been roofied last night because I can’t remember a thing!”

I just told him, “Getting old will do that.”

I mean, a couple people know that for about a week, I’ve been drinking a bit more. It’s not much, but my booze-ridden D Days tolerance comescomes back with 5 consecutive nights of relaxation, apparently.

Really, I’m fairly sure I’m just good at drinking. I have food. I’m terrible at pacing myself, but that doesn’t matter. I know when to stop.

So tonight I was drinking some quality Charles Shaw with a friend. Unfortunately, my friend got too sleepy to make it to the wings that were delivered (side note, Pizza Hut has nearly-adequate wings).

As a result, my friend will have a hangover, and I’m just here feasting on wings and wine.

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And yes, I’ll probably go to SA to get my friend a Powerade. I’m kick as like that and take care of my friends.

The Split and Future

A couple of you may have noticed that I have a new blog. I’m not going to discontinue this one, I don’t think.

My plan is to use this one for random, funny, and unrevealed posts.

The other one will have posts that are better- written and relevant (or so).

I’m in super good shape on vacation. Likely it’s because I don’t have the eating habits of a working man, but there are a few concepts/attitudes/standards  which may help people improve their health.

I’m not talking about a diet. I’m talking about health.

More to come on www.tcgem.com

 

For my Non-Facebndsrieook FriendsS

Believe it or not, I do have some  friends who are not on Facebook.

They may want to see pics from my trip. They’re available here:
https://www.facebook.com/media/set/?set=a.10100645477430252.1073741847.40102582&type=1&l=da76ceafd9

After a Few Hours On Board

In just a few hours, I had dinner at a nice restaurant, went to a salsa class, broke out into being the only couple salsa dancing (between class stages, the instructor let us keep going, two levels of people were cheering), and sang Bohemian Rhapsody karaoke (people didn’t just cheer, but people came up to me after and said it was awesome). Note I’m changing for a dance party.
This was an awesome decision!

Parisian Goal

When I go to Paris, I’m going to be sure to find my photogenic artist.

This time, I’m going to look at his work.

Eventually, I’m going to get a picture from him.

That’s my goal. My immediate goal is to get another good picture.

2015
2015
2010
2010

Device Drama for the Year (Why I Love Verizon)

Device DramaAnyone who knows me knows that my phone selection is usually a carefully made decision based on CNET reviews, other reviews, going to the store, and hours of diligence online. Of course, anyone who really knows me knows that my selection is based on two things-price and size.

This strategy has usually done me adequately in the past. I mean, sure, I wound up with a Windows Phone once, but I quickly paid my $35 restocking fee and returned it. Generally, I haven’t gone wrong.

Enter the Motorola Droid Mini. It was a fine device, generally, for the first 5 months. But when the battery would give me the 15% warning after breakfast with some moderate use, I knew it was time for a change. Combine that with the fact that the device had limited options for customization and control, I was dissatisfied and generally didn’t like me phone. I know, it’s an Android, so I could’ve downloaded an app to do anything I wanted, but who has the time or patience?

Plus, the camera was terrible, and I wanted an awesome camera for my up and coming European tour. But this phone was purchased 100% for business purposes, I assure you.

I decided to get the Samsung Galaxy S7. It’s bigger. It’s not too big for my pocket, though. It’s camera received unmatched support in all the reviews, and it’s battery is the best on the market.

I ordered it at at my local Verizon store, which I’ll call the “Verizon Corporate Store”. They were all out of the device at the store, so being the cool cat that I am, I just said, “No problem. I’m in not hurry, so you can just ship it to my house.” So they did.

Shortly after I ordered it (literally 10 minutes later), I saw the same Verizon phone for sale in Target. The price was the same (Verizon now sells their phones in monthly installments, so it was also $28 per month). Well, the same price except for the fact that buying it at Target would get me a $100 Target gift card. Awesome! Following my Target run, I went back to the Verizon store and cancelled my order. If you didn’t know, the Verizon store is literally across the non-major street (for my local fans, I’m talking the Midway Target).

I cancelled my order, and they completely understood. Well, the shipping process already started in my half hour at Target, so they just told me to refuse the package. I was never able to do so, because the phone returned in mid-shipment.

Fast forward two weeks to April 30. This was the last day of the Target promo. I went to Verizon, and they verified nothing was on my account regarding the phone I never received.

Silver & GoldI went to Target. The phone comes in gold and black. After explaining that all my accessories are silver, the Target Mobile associate understood completely why I couldn’t have silver and gold together. It’s like wearing black and brown! Ladies understand (yes, there are probably exceptions to the rule, but I don’t understand them, so I avoid it all together). Guys are thinking, “Huh?”

The black models were in a different Target store. They had some in the new Target Highland store. “Cool,” I thought. I was meaning to check out thatTarget Express anyways, so I there.

Target has limited capabilities in the Verizon system as it’s a multi-platform system (Verizon, Sprint, and T-Mobile, etc.). They weren’t able to pay off the $180 that was left Droid Mini. No problem, there is a Verizon store on Ford Parkway. It’s just a small store with less experienced associates. No problem. I easily could have paid off my device there and freed up my account.

It turns out that my payment wasn’t $180. It was $730!
The payment plan for the phone I never received was on my account! Ridiculous! There was nothing the associate could do. So I called Verizon support from the store’s phone. I talked to a help desk person and quickly escalated it to the Manager level for phone support (anyone who’s called any support lines knows that if you want to get off of the script and solve problems, you need to get a manager. Seriously, if the first level person can solve my problem, I should have been able to solve it myself).

The manager, Anna, finally set all the gears in motion and cleared up my account. She moved the upgrade date forward to today, so there was no payment needed to buy out my phone.

I went back to the Target Express. They tried it on their system, and it still didn’t work.

So I went back to the Verizon Corporate Store to ask them more questions. I’m pretty sure all of the associates at that store know me by now, because I actually did some due diligence on this phone before selecting it. Also, I checked in with them a couple times in the last week or so, waiting for the phone I never received to by returned. I still have to get back the $72 sales tax I paid on the device, but that can be done later.

I finally talked to a guy there who helped me out. He called the corporate line (at the smaller store, the associate just called support and handed the phone to me). He quickly explained the situation with the returned phone. He knew exactly what to do and asked for and received an override. “Override” was exactly what I wanted to hear. Nothing says “Solutions” more that “disregarding corporate controls.” So my balance on the phone I never received was gone.

The balance on the Droid Mini was gone. My account was free and clear.

I went to the close, bigger Target store, the one that only had the gold phones, just to see if they could upgrade before I drove to the Highland store.

It worked!

So I went to the Highland store where they finally were able to set me up right.

“What a waste of time!” you’re probably thinking. It’s true, it was. Especially for only $100, right? Let’s review what my day’s activities got me:
100      Target gift card
180 +   Balance on old device I didn’t have to pay for
75   +   A free wireless charger I’ll eventually use (wasn’t offered at big Target)
———
355 = Total gain I received because I bought a new phone

Point is, I love my new phone, and I saved money.

That’s the story as to why I mostly love Verizon. I’ve been a Verizon customer since 2004. They’re pretty awesome.

Why My Random-ass Investing Strategy is Better than Experience, Research, and Skill

Because I believe I should improve the world and finances of my friends, so I’m telling you all about my awesome investing strategy*:

A lot of people know what’s going on in the stock market. Me? I just don’t care, because it doesn’t matter. I mean, sure, I know things like “we’re in a rescission,” “we’re in a boom period,” and “Europe/China/Japan/Russia is doing great/terrible/having some civil unrest or other irrelevant event that’s making the Euro tank,” but most of that stuff only matters today.

I don’t invest for today. I invest for the long-term, like next week.

Many of you know that for the last several years, my investing strategy was pretty simple and static, “Buy the IPO of Tesla and hold it.”
As fun as it was watching the stock go up when Tesla has a great idea that it will do in 2025, it was also ridiculous watching the stock tank because Elon has a big mouth and bashed something not related to his industry, which just obviously makes the stock tank.
Either way, it was a good 1000% ROI. That story is done.

With all this cash from selling all of Tesla, I’m back to my “normal” investing strategy. It’s not so much normal or a strategy as it is a belief system and a set of concepts. Basically, the efficient market hypothesis, knowing that Wall Street is a spaz, the market is cyclical, and macro trends guide my investing. Let me explain:

Efficient Market Hypothesis

In short, the Efficient Market Hypothesis says that for all of the research you do, all of the things you “uncover” that is public information, is already known by Wall Street, and the stock price has already adjusted to reflect that information. Everything you learned about investing from college or that book doesn’t matter.

In Investopedia terms:
The efficient market hypothesis (EMH) is an investment theory that states it is impossible to “beat the market” because stock market efficiency causes existing share prices to always incorporate and reflect all relevant information.
http://www.investopedia.com/terms/e/efficientmarkethypothesis.asp

Obviously this is questionable as a big-wig investor will publish their opinion, and the market responds, at least in the short-term (the opinion, I guess, is new information).

That brings me to my second concept:

Wall Street Is a Spaz

I makes sense who Wall Street investors behave like they're in a Broadway drama
It makes sense why Wall Street investors behave like they’re in a Broadway drama

Wall Street responds to everything, usually pessimistically. Sure, everyone thinks it would be great to make money, but no one wants to lose money. Ever.
Therefore, whenever there’s news that isn’t fully-awesome good, the market will go down, if even for a bit. As a conservative, yet optimistic, Midwestern investor, I know everything in the Big City is just smoke and mirrors, but the reality is that a company is working hard to, um, enhance the return for its stockholders. Really, they’re all just trying to make it, to get bigger, and to make our world a better place.

So when I invest, I’m above the influence of a little neutral news here and there. Because remember, if it’s not great news, it’s probably bad news…. right?

Not really, and that brings me to my third concept:

The Market is Cyclical 

When a stock goes up, it will go down. When a stock is down on it’s luck, it’ll get back on track. Obviously, there are a lot of exceptions to this rule, but it is the general trend. Unless there’s a Macro Trend or some really bad company-specific news, stock prices rise and fall. If you can’t deal with it, buy muni-bonds backed by a T-note.

Considering Macro Trends is important, and also brings me to my fourth concept:

Macro Trends 

Macro Trends is basically the concept that means, “don’t do anything stupid.”

For example, don’t buy Blockbuster stock just because it is super cheap.

While Macro Trends can easily be a reason for inaction, they can also be reason for action.

 

An example of this which is just the opposite. During The Great Recession, bank stocks were cheap. Well, obviously, a good investment wasn’t all those banks that were having problems. While it’s true, you would’ve had a 5 year return that was 100%, why would you want an investment with such a low and slow return?

I invested in a lot of small banks. Mostly ones in the Midwest or the Confederate South. I’m not sure why that geographic choice–that’s just where the companies were located. But they were all down. I figured everyone was hard on banks, but these little banks didn’t do anything mean, so I bought them.

Generally, if I buy a stock, once it hits 20% gain, I sell it.

Weren’t you reading earlier? The market is cyclical. It might go up more, but I have just found that it takes a lot longer to go significantly above 20% than it does to get there. It’s a random stock: get in, make your buck, get out.

Superior By the Numbers

So let’s suppose you buy a stock, hold it for a month, and sell it for 20% gain. That’s pretty cool, since annualized, your ROI is 240%. Yay!

I am a conservative Midwestern bloke, so I do invest in small lots to keep it diversified. And I wait until I find a reasonable stock.

There is still some risk. The risk isn’t that your company will go under, but the risk is that your stock won’t move and you’ll be stuck with an ROI of 0% for a while. You need to be patient and wait for the price to move, and sometimes this takes a while.

Why wouldn’t you sell? Because the price could move tomorrow.

The Best Part

InvestorThe best part of this investing strategy is that it’s incredibly low maintenance.

By telling you all about it, I’ve just spent more time than I do actually paying attention to my brokerage account in a month.

Check in the morning, sell your big gainers, check in the afternoon, see if you had any movements, possibly sell.

Boom – you’re done.

That’s my strategy. You’re welcome. Happy Friday!

 

 

 

 

*I am not a financial adviser and do not render financial advice