From Fox Business:
Concerns over a ‘white collar recession’ grow as Goldman Sachs, Morgan Stanley, Amazon and others cut jobs
Concerns about a “white collar recession” grew Tuesday after Goldman Sachs began to lay off workers as part of a plan to cut 3,200 jobs in an effort to cut costs.
Goldman Sachs is just the latest firm to reduce its size in recent months. Morgan Stanley announced that it would cut two percent of its staff in December, Amazon plans to cut over 18,000 jobs, and Salesforce announced it would cut ten percent of its workforce and close some offices last week.
While white collar workers were less affected by the COVID-19 pandemic lock-downs than their blue collar counterparts, many jobs were simply done remote instead of being cut, professionals are now bearing the brunt of the economic headwinds America faces.
Goldman’s layoffs represent one of its biggest yet since the 2008 financial crisis.
“26,000 more layoffs announced today alone… from Amazon & Salesforce no less (they both have cash to weather this storm, but are taking the medicine) The white collar recession is very real & it will increase FB, Uber, MSFT, Google & Apple will all announce in Q1 I predict,” investor Jason Calacanis tweeted.
Unemployment rate by educational attainment 25yo+
https://www.bls.gov/charts/employment-situation/unemployment-rates-for-persons-25-years-and-older-by-educational-attainment.htm
Pretty much sitting on par with the lowest we’ve ever been at 1.9%
https://fred.stlouisfed.org/release/tables?rid=50&eid=1197546
Masters degree holders sitting around 1.5%
https://fred.stlouisfed.org/release/tables?rid=50&eid=1197546
From The Hill:
US households’ debt rises to $16.5 trillion
The average U.S. household owes more than $165,000 in debt, according to a new NerdWallet study.
That amount of average household debt has pushed the national total to $16.5 trillion, a 7.65 percent increase from a year before.
Study crafters also found that the credit card balances carried from month to month have gone up over the past year, now totaling roughly $460 billion.
Mortgages, auto loans, and overall debt also went up over the past 12 months, meanwhile, student loan amounts dropped a bit, according to the study.
The average U.S. household owed about $222,000 in mortgages, $17,000 in credit card debt as well as $29,000 in auto loans last year.
“Credit card debt is often thought to be the result of frivolous spending, but for many Americans, that’s just not true,” said Sara Rathner, a NerdWallet credit cards expert.
“Consumers are feeling the squeeze of higher prices and interest rates, and paychecks just aren’t keeping up. That’s forcing many to make tough decisions, like going into debt to pay for necessities.”
NerdWallet study crafters found that the average U.S. household owed $58,000 in student loans, a 0.6 decrease from the year before.
Higher prices + higher interest rates + increased debt + job reduction = ???
I’ll let you insert the result.
The sky is falling. No it isn’t… yes it is… no it isn’t… yes it is… no it isn’t…
https://www.yahoo.com/news/un-depletion-of-ozone-layer-will-be-fixed-in-40-years-202239021.html
WWE to the Saudis?
Seems like someone got some non public info on Thursday.
https://finance.yahoo.com/quote/WWE/
Humm FAA has a problem, maybe hackers?
Notice to Air Missions (NOTAM) system is hard down.. Flights delayed…
I am supposed to fly tomorrow too very comforting…..
Vince McMahon warning his fans the other day.
https://twitter.com/nodqdotcom/status/1611423432012402689?s=46&t=Zhu-7eDn7MRGD2DZJh1T8A
Glad I grabbed an earlier flight yesterday, was supposed to redeye back from the west coast.
Huh? This headline makes my head hurt:
Mortgage refinance demand surges, as homeowners take advantage of lower interest rates
Clickbaited further down the article lol…..
“Volume, however, was still 86% lower than the same week one year ago.”
Yup
https://youtu.be/kSG71-7rIg4?t=7
FAA computers……we ded
What’re the odds their system is an old Sperry Univac held
together with duct tape.
Last night was bizarre in here, one of the worst I have seen in a long time. Just saying.
According to the Nerd article on average US household have 58k in student loan debt. I know people with twice that amount.
I only know one person with twice that amount. He has a $1K car payment, spending every single penny on indulgences, and generally living check to check when not procreating like crazy. Some people just don’t know how to say no.
re: FAA
I can imagine all the folks on flights who will be landing to find no available gates, or flights pushing off and then warming on the tarmac.
8:15 most teachers are a little strange this time of year.
It’s symptomatic of boredom mixed with mania.
“WWE to the Saudis?”
They were sick of Sergeant Slaughter always beating the Iron Sheik.
https://www.youtube.com/watch?v=kSG1uLfy-H0
Just went back to scan through yesterday. All of this could have been avoided if he simply attributed thoughts to their original author via direct quotation.
Not knowing what he pastes from twitter (> 50%) and what comes from within is net detrimental to the blog’s flow.
3b,
Is it safe to come here? My god, I just saw posts last night. Scary stuff.
I asked of grim when ChatGPT first broke into the news if we could require him to run all of his posts through there…while last night was painful it was the most factually correct and cogent of any of his posts over the years…LOL, everyone is saying how AI will dumb down the population however given where he started it raises him up…BR, agree, his Twitter feed is shit. Mine is highly curated to avoid garbage, just don’t read his posts. Save yourself the headache….
I just want to make it clear that I was trolling you with chatGPT in case it flew over your head. i thought it was hilarious that an AI bot understands why north jersey is special…that Wayne is a nice a town. I have covid and have been board as f’k.
3b says:
January 11, 2023 at 8:15 am
Last night was bizarre in here, one of the worst I have seen in a long time. Just saying.
Yes, a f’ing ai bot understands why north jersey is special yet you don’t?!
Well, wasn’t meant to buy DNA yet. Of course when I am ready to buy at 1.50…it runs up. Now I have to wait.
chi…..hedging……know you’re not a fan. Not looking for financial advice, more global attitude if you’re willing……
So, I remain at/near ATHs while fully expecting a pullback yesterday that didn’t happen…plus I’m through a number I would prefer to keep….and, I truly have no idea for the first time in a while of how the next week may look….all of which re-opens the question, and I looked at positions again last night…
With all the trimming I’ve done I’m stupidly concentrated….My META position is showing up 272% for me, thats a 2.7x gain, which represents a little over a third of my total gains…SPY represents about another third….no unrelated shorts on, closed them all out….longs with solid gains are gone (except VNT Lib, up 28% there on those actual shares)…I do have SPY options that will protect me down to 382 on a 50% basis and then I’m naked thereafter….so, the quandry is basically….
WTF do I do….left side of brain says preserve where you are, go delta neutral (or at least close to it) on both META and SPY, and just sit out this week and early next. No reason to risk anything and if you miss a 5% runup (which is worth more to me because of leverage) so be it, you’re still solid and playing the correct odds. Thought there is my return is above any comparable measures and at levels I want to preserve plus bias is likely downside so why risk it, take a pass and sit this one out…
Right side of brain says look for some unrelated shorts (no time really, and quite frankly not sure where to start since I don’t feel I have a good read through to earnings, the CPI, or even how individual names other than NASDAQ may react to CPI). Really kind of torn, as I know if I do nothing META will definitely run back to 110 (LOL) and if I put on some hedging for it she’ll certainly run and I’ll pick up less gains, if any…
IDK, re-reading this after typing makes me lean toward throwing on some META protection, not full, and then just letting everything else play out.
Thoughts? I’m pretty fucking long on a SPY beta delta basis and it’s mostly in those two names…
Or, any short ideas :)
re: ChatGPT
Yes human to language-model engagements…..there are a few out there now with OpenAI getting the latest press thank to Elon.
Microsoft will be apparently putting an additional $10 Billion into the OpenAI project. They already put in $1 Billion a few years ago to buy a license for their GPT technology (Generative Pre-trained Transformers) and maybe integrating into their Office products as they did pre-buy a license already.
OpenAI GPT-3 has 175 Billion parameters
Meta has one too Meta AI Research with 175 Billion parameters
Google’s AI tech is aiming for over a trillion parameters
Reality is most of this tech will not have a use for transforming human writing via AI language tools like ChatGPT . The reason being is an age old concept of garbage in = garbage out. These systems will only be as good as the data it was fed.
I have read ChatGPT is being used to cheat in school and is now being banned.
Ginkgo Bioworks released prelim 2022 Highlights:
– Expects to meet guidance for 2022 Revenues/New Cell Programs
– Strong growth among biopharma customers
@jrkelly presenting today at the 41st Annual J.P. Morgan Healthcare Conference at 2:15 pm for more.
$DNA
So, with increasingly enhanced AI type applications, kids will go from being presently unable to think critically to being outright dunces. Yes, the end is nigh.
They were sick of Sergeant Slaughter always beating the Iron Sheik.
You forget, Iron Sheik was temporarily allied with Slaughter when he feuded with Hogan. Lib, you’ll get a good laugh on this old interview with Mean Gene and Sheik.
https://www.youtube.com/watch?v=-KHsNztphWQ
watch the part where Sheik calls Gene and intelligent Jew. Mean Gene is trying so hard to not laugh and the camera man is laughing in the background.
Fed economists: Home price gains over the last 2 years could have produced a wealth effect for homeowners that drove one third of the increase in the CPI (non-shelter prices) federalreserve.gov/econres/notes/…
Ed,
+ strong Dow+ strong job gains +low unemployment + increase in wages= a strong Biden economy. Realistically, layoffs are a drop in bucket at this point. Yes, the mortgage divisions getting cut or bs crypto. Nice headlines but not enough skilled workers to fill open roles. We would need serious calamity to cause recession. Still too much free money floating around. Fed still has 9T on B/S and unwind is much slower than the printing itself. I wish it were sooner but still building like mad everywhere. Too much money and not enough tightening
Fast: So to your point with AI and schools, people won’t have to be concerned with good school districts any more, as they will all be the same. Of course, not that it may really matter as people are not having kids any more!!
Trillions printed, million dead, 3 million retired early, homeowners house Rich, people won’t commute, adults and kids smoking ganja and retail desperate..not changing this year
In two weeks or less:
Beyond Meat $BYND +30%
Coinbase $COIN +40%
Peloton $PTON +50%
Bed Bath & Beyond $BBBY +70%
Oatly $OTLY +100%
Quality companies leading the way. Speculation still alive and strong.
Is a base forming in all these beat up companies?
I was pretty impressed with Chat GPT. I told it to generate a high school lab for simple harmonic motion and it drew it up. It was a fantastic template it created. Woulda been great for a 1st year teacher. Another one of my students had it generate code to do his comp sci hw for him.
Has anyone asked Chat GPT to impersonate a 92 IQ New Jersey chauvinist who thinks he’s both a penny stock and Jersey real estate investing genius, and who thinks Wayne, NJ is the best place in the world?
I was struck by how close this iteration of GPT resembles a ready and scalable AWS type service.
Open account and attach payment method. Choose a platform based on speed and cost, much like I’d select a virtual machine type via AWS. Here’s the per call price, similar to how AWS services are priced. Here are the endpoints, and you’re off…
One other thing which stood out was the presence of humans in the learning chain, or “graders” who select, or rather grade, the optimum outcomes from most to least. It seems there’s a fair amount of subjectivity here, with a direct impact on the output…. but I’m too stoopid to put it into words.
Wasn’t the Iron Sheik from NJ? Thought he taught school here?
New tag team champs will be some MAGA redneck and the Sheik’s “son”. Team will be called Ya’ll Queda.
Hughes, Tito Santana was a NJ gym teacher
“ChatGPT, how do I pick up hot women?”
Lol.
George Santos Faces Calls to Resign From Long Island G.O.P. Leaders
The rejection by Republican leaders in Nassau County is the sharpest denunciation from Mr. Santos’s party, whose leaders in Washington have mostly stayed mum.
Hacksaw Jim Duggan and Hillbilly Jim were at Maga level, ahead of their time. Would have made great insurrectionists.
I went to a gym in a strip mall in Bowling Green KY as a college kid and worked out along side Hillbilly Jim. He drove a big black mercedes and wore overalls. Was a cool cat.
Left: I am kind of in the Mike Wilson camp right now. I generally don’t listen to anyone in particular, but right now I think he is in the zone. To be clear, he is either right or he will be fired. Can’t stick your neck out like that. You say 200 earnings? Put 17x on that. Both are completely reasonable. Gets you 3400. Where are we now?
Problem is what is the trigger? The fuck if I know. Keep looking as the short rallies, lower highs. But oversized green moves. What does it tell you?
Hacksaw held a gun to the head of an intruder the week before Christmas. He should’ve whacked him with that 2 x 4.
Sorry corrected
I thought George the Animal Steele (who like to eat the turnbuckles) was the history teacher.
BRT, too funny on the Gene Mean clip. Holy crap was he young.
$1k/month car payment . . .
New car loans are 7%+ at car dealerships. It’s been surprising lately – the dealers aren’t offering low interest loans on their new cars.
Toyothan or whatever just ended a few days ago with its 3.5% interest, but I havent noticed much favorable financing ads lately.
A $1,000/month car payment right now (assuming financing at 7% for 60 months, with zero down) is a . . . drumroll . . . $51,000 vehicle.
Base 3-series is $42k MSRP these days. Lots of $1k/month car payments driving around today.
TA might call this a triple bottom, but the volume does not play along. My guess is that we are witnessing the quiet period before earnings. Earnings should ruin this rally pretty quickly once again.
Want a short Lefty? Consider Adobe in the short-term.
Out of the loop on the Fed . . .
Consensus is three more 25 basis point raises this year then a pause? Is that right or is the street expecting more FFR raises?
Crushed CME futures says about that.
2/1/2023 meeting 79% .25 raise
3/22/2023 meeting 67% .25 raise
5/3/2023 meeting 49% .25 raise
https://www.investing.com/central-banks/fed-rate-monitor
Dimon said yesterday we need to go to 6%.
The Fed is speaking loudly. Ex Fed members are speaking even more loudly. The Banksters still don’t believe either of them and expect the FED to capitulate the moment a recession causes any pain since they nearly always have in the past.
The truth probably lies somewhere in the middle of all of this.
Some of the former major headwinds are dying down a bit too. Is there still a war in the Ukraine? Has inflation slowed tremendously? The long could Winter in Europe has been lukewarm with nary a fuel shortage. We wait for Winter retail numbers and further employment reports now for clues.
As for kids cheating with AI.
I discussed it with my older son. He said the older teachers have no clue and some kids are doing it. He said the savvier younger teachers, of which there are a few, know how to run it through an online checker to see if the paper was AI generated. So the answer is, the dumber students are taking the risks. The smarter students are still learning the old way. Same as it ever was.
re: New car loans are 7%
For bad credit yes but good and excellent credit you can still do better.
My brother was able to get 5.9% at Honda last week for a new Accord sport. He does not have good credit for sure, otherwise it would have been 4.9% for a 72 month loan.
He stretched payments to 6 years to keep it at $419 a month otherwise with great credit it’s 2.9% for 48 months or $665 monthly payment.
It’s always about the monthly nut.
Here is a Captain Cheapo move.
Want to buy another 5K in bonds this year over the 10K individual limit?
4th qr. estimated taxes is next week. Open up a new credit card with one of those spend 3-5K in the first 3 months and you get around $600-$1200 in benefits (albeit hotel rooms, FF mileage or gift cards). Then pay $5,000 in estimated taxes on that credit card (many are 2% back) where the processing fee is 1.8% so you get a 5K refund come April. You can apply up to 5K of your refund towards another E-bond currently returning around 6.5%. You can convert the ebond to a paper bond on the self service US bond site. Easy peasy. Thank me when you are getting paid to go on vacation. Hat tip again to mymoneyblog.com
I highly recommend the Marriott Bonvoy Card for hotel points and sadly, the United Card for airfare mileage for the greatest value. I just hate United as a company. They are cheaper than me.
I asked ChatGPT to write a haiku about peeling shrimp.
It was so absolutely beautiful I actually cried.
My wife spent 2 weeks going over The Apology by Plato. She gives an open notes test.
first question: Who wrote “The Apology”?
Best Answer: “Pluto”
Actually, these are paper bonds, and you use mytreasurydirect to convert them to an electronic bond after you receive them.
Here’s the problem with using ChatGOT to write your paper. It is absent of personal/critical thought. When reading through Pumps North Jersey advantages, it was obvious they were not written by someone who lives in North Jersey.
Have any of you canoed on the Passaic River? Name me one recreational activity the Passaic River offers.
Same with the Great Swamp. Any of you ever go there?
I’ve hiked nearly every decent hiking trail in North Jersey and they never have any relationship to these two supposed major attractions.
Does anyone consider the George Washington Bridge a national landmark?
Of course, considering the limited intelligence many teachers possess (not all), they probably wouldn’t notice such things.
This is a good site for info on I Bonds and TIPS:
https://tipswatch.com/
Used to circle The Great Swamp on a bicycle.
No big whoop.
Fun with Real Estate and CHATGTP.
Q. Pretend you are an AI realtor and you want to sell me a house in a haughty New Jersey neighborhood for way over asking price. Explain all the fancy updates in the kitchen and throughout the house.
AI Answer.
As an AI realtor, I would be delighted to present to you this grandiose abode nestled in a prestigious neighborhood in New Jersey. This stately residence boasts a plethora of luxurious updates and upgrades that will leave you breathless.
Upon entering the abode, you will be greeted by a sumptuous foyer that leads to a grandiose living room, complete with gleaming hardwood floors, grand fireplace, and floor-to-ceiling windows that offer picturesque views of the surrounding neighborhood.
As you make your way to the heart of the home, you will find a bespoke chef’s kitchen that is sure to impress even the most discerning of culinary enthusiasts. The kitchen features state-of-the-art appliances, marble countertops, custom cabinetry, and a massive island that is perfect for entertaining guests.
Additional updates include a spa-like master suite complete with a soaking tub, dual vanity, and an oversize shower that features multi-jet sprays for the ultimate relaxation experience. The bedrooms are equipped with ample closet space, and the house features en-suite bathroom.
The abode also boasts a fully finished basement that can be used as an entertainment area, gym or even an additional bedroom. The basement is equipped with a wet bar, a wine fridge and a full bathroom.
Thanks guys…backed some puts right up against my META…SPY hedge from yesterday canceling 2/3 of the gains today, typical for when I put these on….
Figured I would do it and wait…too much opportunity if not to have ‘buyers remorse’ if I don’t and these tank. Which would have pissed me off more than foregone gains, I guess…
Also seems everyone is saying 3950/3800 are important and we’re tucked right up against the higher band….
First time in a lot of quarters I’m not hopping into earnings…and I’m as heavy cash for as far back as I can remember….big fan of Wilson, let’s just run right down to his 3400 target and make life easy….
Juice Box,
No mention of the Chesterfields, boiled cabbage and Rheingold aroma?
Lib,
Name me one recreational activity the Passaic River offers.
Weighing down bodies after the hit.
Uh oh, looks like used house salespeople may be in trouble lol….
I used to hike/bike the Great Swamp. Actually shot guns down there a couple times long ago. Nothing special, I think it is a big deal as Newark airport was supposed to be located there and it was one of the early ‘hell no, not uprooting this area’ environmental movements that shut down a major project. Harding Township, which adjoins the Swamp, is very pretty.
Harding Co. is nice & bucolic.
“Have any of you canoed on the Passaic River?”
I have! Multiple times. Upper sections are pleasant enough- but I wouldn’t drive a long way to do it. (Or move to be closer to it).
Great swamp has pretty good birding. Saw a barred owl last time I was there.
You biked all the way around Washington DC?
Ex says:
January 11, 2023 at 3:22 pm
Used to circle The Great Swamp on a bicycle.
No big whoop.
Ha!
New Jersey is not the best at any single thing, but it’s above avg when it comes to anything. From having multiple options to fly out of, or the huge variance in culture from zip code to zip code. Place f’ing rocks when it comes to always having something to do…so many options. Don’t have to drive far for anything…
There are a ton of beautiful towns in nj. They define what an ideal suburb is. It peaked, and those suburbs are slowly becoming cities…extensions of NYC. 1980s/90s suburbs…no one did it better than jersey!
What can you say about a state where there was once a serious movement to make “Born to Run” the state song?
“This town rips the bones from your back, it’s a death trap, it’s a suicide rap!
we gotta get out while we’re young”
Jeff Beck dead at 78. RIP
OC,
Would you rathe be stuck in some swamp in Florida? Northeast is some of the most spectacular areas in our country. Cali is even better. But save the bs that most of these other locations have anything really special. If Columbus ohio a place you can raise your kids? Sure, but it sure as hell is not some New England upper class suburb or city zip code. The northeast suburbs scene and city scene is top notch. Not getting better anywhere in the world.
For f’d sake, neither side can find a decent president.
https://www.cnn.com/2023/01/11/politics/biden-classified-documents/index.html
Hold,
No offense meant. You want to know what makes up Dallas ft worth suburbia? Houses on top of each other, surrounded by endless fields. Why they build on top of each other is beyond me. This is no Morris or Bergen County.. sure as hell is no short hills, ridgewood, or glen ridge.
Q. Pretend you are an AI realtor and you want to sell me a house in a haughty New Jersey neighborhood for way over asking price. Explain all the fancy updates in the kitchen and throughout the house.
I am pissing my pants, please tell me that’s real
Another fun ChatCPT one.
Ask it to tell you a joke about three guys that walk into a bar, a polock, a rabbi, and a guinea. Replace with whatever suits your fancy.
Lib,
You live in peak society, yet yearn to live in costa rica? Are you insane?
Glen Ridge to Costa Rica…two different worlds.
Is Glen Ridge, Nj nice?
I’m not able to give you my opinion or browse the web to look up information on a specific place. However, I can tell you that Glen Ridge, NJ is a small town located in Essex County, NJ. It’s known for its small-town charm, historic architecture, and safe streets. The residents of Glen Ridge tend to have higher than average incomes and educational attainment. It’s considered a desirable place to live by many people.
Ali realtor is totally real.
Why is nj the best place to live
Different people may have different reasons for considering a place to be the “best” to live in, as it can be based on personal preferences and priorities.
However, New Jersey has some attributes that may appeal to some people looking to live there.
The state offers a diverse range of experiences: from bustling urban areas like Newark and Jersey City, to quieter suburban and rural communities.
New Jersey is also home to a high number of universities and colleges, including Princeton, Rutgers, and the New Jersey Institute of Technology, making it a great place for higher education.
The state also boasts a strong economy, with a high median household income and a lower cost of living than some other nearby states like New York and Connecticut.
It also has an extensive public transportation system and easy access to major highways and airports, which can make getting around the state and beyond quite convenient.
Additionally, New Jersey has a wide variety of recreational and cultural offerings, from beaches and parks to museums, performance venues, and professional sports teams.
This being said is not a official statment and it’s based on general knowledge of the state.
Aka NJ is a “value” in nyc metro. Hence, a value at the national level. Aka future growth. Prices not coming down long-term …sorry.
Name another location that has access to skining, beach, world class culture/dining, value education, and everything at your fingertips?
Not my words. Twitter feed. For the slow ones.
“I was an extremely active trader of Latin America in the 90’s . Before major negative events I noticed the peso would weaken sharply. I have some theories ; bottom line strength in peso generally correlated to advances in equity prices. Not betting but observing”
Rotflmao…somewhere in between making money off both philosophies.
“May have to change my timeline back to latest for a bit, the dividend/index fund/value FURUs are worse than the perma shitco bulls and BTC/TSLA cult. At least the latter was funny and amusing. What do I have to do to get the algos to put precious metals content on my feed”
Just in case my last post gets misconstrued dude to my language barrier.
Anything you do en masse is a cult. I don’t follow anyone when it comes to investing or making money. Let that sink in. You all think I am a cathie zombie, nope. I exited, but at the same time, still respect her long-term thesis even if the short-term thesis is taking a bat to the head to it.
Thesis- that slow term growth will be overcome with high growth disruptive industries. The status quo are a bunch of losers who’s time is coming.
Anyone have any good investment ideas “hot sauce” style? I give you DNA, ETH, BITCOIN, META, COIN, TESLA, and BEAM? What ya got for me?
What the hell is happening in here? Make it stop.
“Florida has more people enrolled in Obamacare than any other state. Driving those numbers has been the Miami area, where older, right-leaning Hispanics appeared loath to embrace government-subsidized health insurance when it was enacted almost 13 years ago.”
Cry about that chi
Dimon said yesterday we need to go to 6%.
I’m hearing 7 or 8% for the top. That is what might be needed to burn out the liquidity.
“Name me one recreational activity the Passaic River offers.”
My bad thought is: Betting on the number of years from exposure, those members of the Rowing Club in Rutherford get diagnosed with something bad.
“For f’d sake, neither side can find a decent president.”
When you cant even get Karl Rove on your side, https://www.mediaite.com/news/biden-gets-assist-on-fox-news-as-karl-rove-busts-out-white-board-to-explain-why-trumps-classified-docs-issue-is-worse/
Katie Porter still reigns supreme with the Whiteboard.
“Name another location that has access to skiing, beach, world class culture/dining, value education, and everything at your fingertips?”
California, I lived in the Bay area and it had all of this and more.
P.S. Compare the 4 hr drive to Tahoe to ski powder, against the 8hr drive to the constant Iced slopes of NY/VT
Fab,
Agree, and why cali coast is worth more than northeast coast.
West coast is special. Flat lands fly over country is YAWN. Bring back the bison.
WASHINGTON (AP) — President Joe Biden’s legal team has discovered additional documents containing classification markings in a second location, a person familiar with the matter told The Associated Press on Wednesday.
Any questions?
Lawd help us all.
BRT, any interest? I will finance if you manage?
“A tutor chain is a group of people who tutor one another in different subjects. To start a tutor chain, you can follow these steps:
Identify a group of people who are interested in participating in the tutor chain. These people should be willing to share their knowledge and skills in different subjects.
Determine the subjects that each person is willing to tutor and what they need help with. This will help you match up tutors and tutees.
Create a schedule for tutoring sessions that works for all participants. This could be a set time each week or a more flexible arrangement where participants arrange tutoring sessions as needed.
Communicate regularly with the participants to ensure that the tutor chain is running smoothly. This could be done through group chats, email, or other forms of communication.
Continuously evaluate the effectiveness of the tutor chain and make adjustments as necessary.
You may also consider establish a fair compensation for each tutor, for the hours or session work.
It’s important to note that you will need to create a leader role and a coordination role for this effort to work.”
Maybe we can become good friends?!
Both same age…both passionate individuals. Killer combo.
“has discovered additional documents containing classification markings in a second location”
Any questions?
Is it a coffin in Bedminster?
Pumps,
What you don’t get here is that you really need to experience these things to truely be able to comment.
Take Ex’s comments on the PCH. It is the best road in America. I can say that as, its my opinion and I have driven it and a few on the roads others consider to be the best. For me the only thing that comes close on the East Coast is the A1A and while its a beautiful road, its not even close.
Take a trip to San Fran, hire a car and drive to Half Moon Bay and drive back up over the Fault Lines. Or head on down to Monterey and keep going. At some point you will realize, this cant exist anywhere else!
left,
I am broken-up and beyond saddened by his loss. When I put inspirational musicians on list of paper, Jeff would be near top. He really changed the way I hear composition of music, similar to Herbie for me. I am listening to Scatterbrain on Blow by Blow now. The guy forged his own path. I hope people continue to find his music.
Great album…
https://www.youtube.com/watch?v=u6jHlW414sQ
Some Pre Flight entertainment thanks to alcohol sold at the airport:
https://youtu.be/ZSwbqteiTeg?t=106