Friday, March 24, 2017

But But But....Vagina!

Isn't it the universal get out of jail free card?


Now if only Trump would go after Hillary.

The Illusion of Infinity

I linked to him before, but I'm going to link to him again, because the concept he came up with is brilliant, and that is Cynical Libertarian's "Illusion of Infinity."

Take for example three entities:

The government.
Religion, and
The internet.

They play a role in normal everyday people's lives, but they also introduce, unintentionally "infinity" in one capacity or another, or at least the ILLUSION of infinity.

The government provides the illusion of infinite resources for welfare scum, single moms, and leftists in general.

Religion provides the illusion of infinite life with the promise of an "after life."

And the internet provides the illusion of infinite knowledge with all of humankind's knowledge on the internet.

These illusions CHANGE people's behaviors profoundly in that it fundamentally changes the premises we live life by.

The government has infinite resources?  Well why should I work then?  I'll just sit on my ass.

There's an afterlife after this one?  Well, I'll obey some rules set forth by this religion, but there is no emphasis on the here and now.  No urgency to pack it in and enjoy my life.  Besides, I'll see people on the other side of death.

The internet has all the world's knowledge?  Why study?  Why research?  Why learn.  I'll just google it.

But then there are consequences and costs, especially if there are no infinite resources.

The government goes bankrupt and the economy collapses because too many parasites collected a government check.  Futhermore, in abandoning work, humans also abandon agency and purpose in life.  Working for your food, clothing and shelter meant becoming something of a professional or tradesman.  Now, government check collectors only have the advocation and championing of worthless political crusades (going green, transgendered bathrooms, etc. etc.)

Religion, tragically, makes people waste and squander the one and finite life they have here on this planet.  They don't pack it in.  They don't appreciate what they have.  And they have no hustle in life to enjoy it as much as humanly possible.

And the internet, well, the millennial generation answers that.  Compared to their 18th century counterparts, the lack of wisdom, intelligence, genuine education, and philosophical thought once again renders the millennials as a wasted crop of humans. 

Anyway, this is merely a synopsis of what Cynical Libertarian expounds on in much greater and better detail than what I could here.  You NEED TO LISTEN TO THIS PODCAST as it is likely the most intelligent thing you will have listened to this year, and you will not regret doing so in downloading his podcast.

Thursday, March 23, 2017

Montrose County

New sponsor and I was going to plug the book, but the description the author sent me was compelling enough I didn't have to write anything!

Montrose County is a story that could be tomorrow’s headlines.  An Islamist organization has dispatched two teams to hit the President and two visiting world leaders at a resort in western Colorado.  In Iraq, a pair of NATO commandos have discovered the planning documents in the remnants of a bombed out house, but have no means of communication with which to raise the alarm.  In between is Montrose County Deputy Sheriff Sabrina Murdoch.  Originally from New England, she’s an Iraq war veteran scarred by her experience.  When her life fell apart after her return from Iraq, she hit the road in search of a place to start over, and ended up in the far west end of Colorado.  Bit by bit, she has been rebuilding herself and her life.  But now, as the two Canadians face a mile-by-mile struggle to get back to their base and a radio, Deputy Sabrina Murdoch edges ever closer to her own confrontation with an enemy she thought she left behind. 

Why I Just Don't Care About the London Attack

Before you accuse me of being cold, heartless, evil, or a psychopath, understand the point of this post is one akin to the Serenity Prayer.  A very important philosophical epiphany many people never realize, but should as it is vital to their psychological well being and mental health.  It is one of accepting reality and not getting worked up in the world of theory.  And the London attacks, like previous and any future terrorist attacks, are/will continue to make my point until the point in time something is actually done about Islamic terror.  And I strongly suggest you set aside emotions, politics, and even your own sense of self-survival to clearly see and hear the point I'm trying to make.

First, "What is it this time?"

Be it the Nice attack in France.
The bombing in Germany's market square.
The Boston marathon bombing.
The Cologne sexual assault party.
The Orlando gay night club shooting.
The hotel bombing in Mumbai.

It's very apparent that nothing new is going to happen.  The media will immediately rush to say it wasn't confirmed that it was a Muslim who did this.  Then, when it's discovered it was, they will rush out to say Muslims fear a backlash in their communities before the bodies get cold.  There will be furor on the internet on the right demanding we "do something about this."  And people on the left will rush to say it's racism to point out the attacks came from Muslims.

But in the end NOTHING different will happen.


And the reason nothing different will happen is too many young people, too many old people, and too many women have been successfully brainwashed in western schools to put diversity and the fear of being called a racist over their own desire for self-survival.  They will continue to vote left, they will continue to vote for the elimination of western culture, and unless you're willing to waste your life by taking up arms and overthrowing a democracy, only to be killed yourself or land in prison forever, then your only option is to sit there and take it.

Second, this brings in the importance of stoicism and practicing it.  Since the outcome is already concluded for this and all future terrorist attacks, why get worked up about it?  I know it's not fair.  I know it's not right.  I know your country's very own survival is on the line, but it is here an ultimate test in sanity (and stoicism) applies.

If you don't control it, why bother getting worked up about it?

Yes I know murder is not acceptable.  Yes I know terrorism is bad.  But if it's going to happen no matter what I think about it, then I'm not paying the added price of stress, worry, fret and anger on top of it.  I'm going about my day and working on the things I DO control.

Will I eat healthy?
Will I work out?
Will I work hard?
and most importantly
Will I spend quality time with family, friends, and loved ones?

These decisions and actions WILL have an effect on your future whether you are fated to die in a terrorist blast or not.  And if there's something to save your energy for, executable and effective actions are it.

Third, these people did it to their god damned selves.

If there's a reason to hate me, this third reason is likely it because it shows you how I'm all out of fucks to give about the human race and just what a genuine misanthrope I am.  But if you think about it who are the majority of the victims in these terrorist attacks?  

Hard working conservative farmers in fly over country?
The quiet studious man spending time with his nuclear family at home?
The penitent man confessing his sins at church?
Or the engineering student, foregoing a night of partying so he can study for a better life?

The absolute-zero cold statistical truth is the majority of terrorist attacks kill a majority of people in western civilization who voted this stuff in.  Namely leftists.

The twin towers wiped out predominantly New Yorkers.  Sad and tragic as it was, of the 3,000 people died the majority were leftists.

The party goers in Nice and Cologne?  Young people living off of the government dime studying some worthless degree or another telling them how evil white people and capitalism are.  Leftist.

Bar the cop who heroically died in the London attack yesterday, I'm sure people wandering downtown London that got run over by Terrorist Attacker #379c were good leftists.

Boston.  Left.

The San Bernardino terrorist attack was at a government facility on government workers.  Leftists.

The horrifying attack in the gay night club.  Leftists.

And my favorite is when the occasional feminist gets raped at a refugee camp.  Most definitely leftist.

I know this shows I no longer have a soul, and yes, I acknowledge there were definitely some non-leftist victims in these attacks, but again my point is not one of morality or ethics.  My point is one of acceptance, numbers, and reality.  It's hard to attack and kill conservatives in large numbers because those ignorant hick bastards are spread out over rural and suburbanite areas.  They don't congregate in downtown areas to "party."  And the major metro centers with the richest targets for terrorists tend to have heavily dense populations of leftists.

And while on a human side I do mourn the innocent worker in Mumbai, or the innocent tourist in the twin towers, on the whole I just can't give a fuck when the majority of people who are dying in these attacks are the ones who voted it in.  And I REALLY can't give a fuck when for the past 30 years of my life these people are the ones who call me racist, sexist, evil, fascist and "privileged," blame me for all their problems, and likely hate me more than the terrorists themselves do.

And this leads to my final point about terrorist attacks nobody's going to do anything about - self respect.

Much as I disagree with terrorism, Islam, and murder, there is one thing they have that westerners don't - self respect.

Disagree with their culture, disagree with their heinous methods, disagree with whatever you want, they actually have the self-respect to put themselves first and not roll over on their backs in a death-bound psychotic virtue-signaling competition to see who is the least racist and biggest proponent of diversity.  They actually love themselves and their culture enough to die for it, while leftists can't wait to lift their skirts quick enough while jettisoning and throwing their own culture under the bus.

This lack of self-respect disgusts me.  It's like the nerd who self-pities himself and mopes, saying, "no girl will ever like me.  Sigh.  There's no reason to live.  I'm such a bad person."  But instead of begetting pity or sympathy, it begets disrespect, disdain and (in my case) hatred and rage.

I just can't respect or care about people who don't have the basic, simple ability to respect themselves.  To be such self-loathing, cowardly, worthless human beings that they place more value on valuing others over themselves is revolting.  It's so disgusting that in full intellectual honesty I can actually respect the terrorists themselves more because at least they stand for something.

So when you throw it altogether, why should I or anybody else with self-respect and a life to tend to, give a flying fuck about this or the scores of attacks that are going to happen in the future?

Nothing is going to be done about it.
The people who are attacked don't care and even think they deserve it.
Nobody has the courage to speak up about limiting immigration to cultures that don't have irreconcilable differences.
And the people getting attacked are unconsciously the ones who brought it upon themselves.

A culture without self-respect will not survive.  Not in as much that it doesn't "deserve" it, but the reality is that other cultures with self-respect are superior to it and will overtake and conquer it.  Ergo, bar being armed to the hilt to protect my loved ones and myself, I just cannot muster up the care for the self-inflicted problems of self-loathing others.

In the meantime I recommend what I always do.  Enjoy that decline people.  Enjoy that freaking decline.
Visit Aaron's other hate-filled, zero-fucks given, misanthropic sites!
Asshole Consulting
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Mattel Would Be Crazy to Cast Amy Schumer as Barbie

Because vagina jokes are leftist tirades by fat chicks will totally not ruin Barbie for little girls, oh, and not to mention the bottom line for Mattel.

For Your Early Morning Commute

A podcast about why the self help book industry is BS...except for the people who make money off of it.

And a podcast episode of The Great One Himself that I have not yet vetted.  Be prepared to disagree.

Wednesday, March 22, 2017

Why Virtue Signaling is a Survival Mechanism for the Weak Minded and Cowardly

Not to mention stupid and easily duped too.

Democrats Love Welfare Parasites More Than Government Workers

It's tough being a democrat.

It's like being the father to a bunch of parasitic children.

You have the teachers union and AFSCME.  Then you have regular unions who actually produce something.  Then you have your parasitic voting base.  Your illegal aliens. White-hating minorities.  Male-hating feminists.  SJW professional students.  Academians, and life long-government workers.  You can't play favorites because you love your socialist leeches equally.

But what happens when the money from employed white males starts to run out, or just run a little low?  And by financial default you have to start triaging your precious little lamprey children?  How does a democrat politician choose who to support and who to cut off?

Well, it seems we have the answer.  Because while government workers and government unions think the democrat party loves them the most, their behavior belies the truth.  The democrat party likes them the least.  And their favorite child is the rank welfare parasites who don't even feign to have a work ethic.

This unfortunate decision has arose because the federal government is facing breaching the debt ceiling again.  Don't worry, congress will increase it, but it forced the government into a rather embarrassing situation.  It had to pilfer the "G fund" which is nothing more than the pension fund for government employees through their Thrift Savings Plan.

This is something government employees, forever sucking the cock of socialism and the state, need to learn.  If push comes to shove, the state - notably headed up by democrat/socialist political parties - will always choose their leeching base of welfare collecting parasites over government workers.  I believe the police in Dallas might be acutely aware of this situation, not to mention some municipal employees in fine liberal towns such as Detroit and Compton, who came to find out that their beloved Democrat Dad did play favorites and cashed in their college retirement funds to continue to bribe and pay for votes with social programs for their favorite child - welfare constituents.

In short, government workers, the democrat party WILL throw you under the bus if the money isn't there.

But don't worry.  At least the federal government can just print off more money.  You local and state government workers....ehhhh, not so much.

Is the US in Another Housing Bubble?

It's approaching 10 years since I wrote Behind the Housing Crash, and certainly beyond 10 since I started writing it.  I've long abandoned the banking industry and frankly have forgotten most of the metrics, statistics, methods, and techniques I used to predict the bubble (amazing how if you don't get paid, you forget).  That being said, I did want to check in on the housing market to see if perma-low interest rates have inflated prices back to their 2007 levels and my findings, truthfully are mixed.

First, yes, according to price to rents we are back where we left off in the nose bleed section in 2007.

The price to rents ratio has tapered off a bit since its second peak in mid 2016, but based on historical data, prices have outgrown rents across the country significantly since the second great Keynesian expansion under Obama took place. 

However, enter in historically low and historically long mortgage interest rates.  While any non-Keynesian knows artificially low interest rates create bubbles and malinvestment, two things about this long round of perma-low interest rates is that they're long term (30 year, not some damn resetting ARM or NINJA loan) and have been around for nearly a decade. 

This has allowed people to not only buy more housing on the same income, but make significant dents into their mortgages if they held onto them.  Couple that with the bad taste the housing crash left in people's mouths, it was only the long term players and home owners that were buying houses.  Not the dipshits and douches in Phoenix, Florida, Vegas, and California playing "Let's Flip This House Dude Bro!"  These variables assuage my concerns about the high price to rents ratio in that the market is not as liquid, a higher percentage of homes are not second, flip or investment properties, and 98% of the housing market is not financed with 947 to 1 ARMS with NINJA quality underwriting.

Further assuaging my concerns of a bubble are vacancies.  While rents are relatively low to prices, vacancies are just above half of the double digit vacancies we saw right before the housing bubble. 

While the overall housing market and rental properties are not the same market, this tightening of the rental market provides somewhat of a floor that rents will unlikely fall through.  Yes, people looking to rent condos in downtown are not looking to rent suburbanite homes, but in case of an emergency, a collapse, etc. etc., spare rooms and bedrooms are commodities in that they have potential rental value. 

Finally, related to people paying down their mortgages instead of taking on three extras, combined with long and low interest rates, debt servicing to disposable income is also trending low. 

I know the argument against this is that the asset, the house, only has value based on its rents, but we have to admit a large percentage of the housing stock is to be lived in by its owners and is not purely rental property.  And artificial, disagreeable, and unprincipled you might find abusing monetary policy to pump up housing prices, low interest rates have lessened people's mortgage expense on their personal budgets, meaning they can indeed afford more housing on less income. 

Does this mean I'm advising people to go out and buy their first home or perhaps look at rental property as a means to retire?

No, not at all.  Truth is, I'm still very skeptical and wary of the high price to rents ratios the country as a whole faces.

But what I am advising is that people who are interested in property be VERY careful and proceed with caution.  The above figures are nationwide and real estate is a very local game.  You will want to do a thorough and complete analysis of the housing market you're interested in before committing your life's savings and agreeing to a 30 year commitment.  Some markets, even individual houses, are a great buy.  Some property is a good deal.  But given the valuations and the fact that the 30 year mortgage rate may not hang around 4% for the next 10 years, there's a lot of properties and markets out there that just aren't worth it.  Make sure you do your homework.

Aaron Clarey is a former banker and economist.  He now sits on his ass, sleeping in till 1030AM as a micro-internet celebrity.  If you need advice, consider hiring him at his egregiously expensive, but totally worth it consultancy, Asshole Consulting.

Tuesday, March 21, 2017

Americans Dying with Debt

After 78 years on this planet, Americans still can't get their act together and die with a positive net worth.

Episode #192 of The Clarey Podcast

In this triumphant return of Cappy to The Clarey Podcast:

Building clubhouses as 80's kids.
How slow normies piss me the fuck off.
Horny old conservative men hire hot millennial girls with boobs.
How have you not seen COWBOY BEBOP???
Horse girl turns lawyer!
Chinese driving up the price of scotch!
SWPL white males bend over for the NFL.
Fan mail!


in THIS EPISODE of The Clarey Podcast!

Direct MP3 here.

RSS feed here.

Sponsored by BETTERMENT!

Monday, March 20, 2017

There are Only THREE Reasons to Go Into Business

1.  Fuck you money.
2.  No boss/can realize your potential
3.  Mental health

It sure the hell isn't "because I thought it'd be fun!"

How Blacks Can Make More Than Whites

Yes, it really is that simple:

Autism Muppet on Seasame Street

Our Muslim invader overlords can't invade quickly enough.

And I for one will welcome our new overlords.

Sunday, March 19, 2017

Why Environmentalists Are Incapable of Saving the Environment

Because in order to do that, they'd have to be like these engineers who developed these sails that will help power tankers at sea cut their fuel consumption by 10%.

I'll explain it again.

Solar panels.
Fuel efficient cars.

Everything that is going to help make a "greener" world is produced, conceived, and developed by STEM graduates and engineers.

Not professional whiny pussy "environmentalists" who are nothing more than professional complainers and activists.

Reminder to Do Your Lazy Sunday Shopping

Though Cappy's online Amazon program.

Why the Left Won't Stop at Money

Friday, March 17, 2017

They Would Crucify Benny Hill Today

Which is all the more reason we need to show this to the precious snowflakes:

Silicon Valley: A Brilliant Leftist Success Story

This post is not intended to be tongue and cheek.
It is not meant to be mocking and derisive as I normally am towards the left.
And there are no spoilers at the end of this post, where I pull the rug out from underneath them.

This post, in all sincerity, is a tipping of the hat, a golf clap, and admission to a genuine and brilliant achievement of the left that the right cannot hold a candle to.  It is to admit an amazing success of the left that I did not realize until just this past week.  And I would even say it raises the possibility that what the left aims to achieve is possible and feasible (though it means brainwashing entire generations and eliminating individuality, independent thought, and simple self respect).

And that achievement is Silicon Valley.

Hate California all you want.  And loathe the epicenter of smugness called San Francisco.  You cannot deny that Silicon Valley is one of the few remaining and modern day American success stories.  Admittedly the story dates back to the 1970's with the PC revolution, but today it is a reinvented success story with the internet and social media revolution.

Like the Bakken oilfield a young man (or woman) with the right skills can go out there and make six figures.  And also like the Bakken oilfield their skills WILL NOT go to waste as if it were some 1990's internship scam.  And furthermore, while not every social media platform is guaranteed to be profitable, let alone truly advance society, the titans that have come out of Silicon Valley thus far have drastically improved the quality of life, entertainment, and happiness of the world, not to mention (I theorize) kept US GDP positive since the housing collapse.

Silicon Valley, its leftist politics aside, has been a large net positive for the US and the world.

But one thing kept nagging me, as I'm sure it nagged you.

How can the people of Silicon Valley vote so left, so consistently, all the time?  Shouldn't they be conservative?  Or at least libertarian?  Why are they - be it the billionaire CEO on top, or the "lowly" entry level programmer making "only" $120,000 on the bottom - willingly voting away half their salaries, effectively enslaving themselves to people who just plain don't want to work?  Don't they know?  Don't they care?  Or do they know something we non-leftists don't?

The truth is none of the above.

What we're witnessing in Silicon Valley is not a lapse of judgement or faulty logic, nor is it a superior knowledge of socio-economics and politics us fly-over country plebs aren't hip to.  Quite simply, all the left has done was successfully brainwash two full generations in socialism.

And they have done so masterfully.

Like a nutmeg tree, the left has been patiently growing the Millennial and Gen X crop of leftists for the past 30 years.  They have done so through the soft underbelly of the United States, namely the public schools and academia, because the nuclear family and US military were too strong.  But slowly and surely, the seeds the left have sown in the 60's and 70's are paying off today.  And Silicon Valley is their pinnacle achievement.

Note that to be "old" in Silicon Valley is to be 35+.  Not 50.  Not 60.  That's the proto-crop of Baby Boomers who were experimental and inevitably went right when Reagan came into office.  But in perfecting their technique and having the Baby Boomers fully outsource the rearing of their own children to day care and the state schools, the left came to fully own the environment and primary media by which children were raised and educated.  This included reading, writing, and arithmetic, but also included subtle (and not so subtle) leftist bias, "the ozone layer," "the rain forests," "kids starving in Africa," which evolved today to things like "privilege," "31 flavors of gender," "sexism," "the pay gap," "global warming" and "your carbon footprint."  And if they weren't fully indoctrinated by then, college would cement their brainwashing, if not forcing it down students' throats as a prerequisite to graduate, graduate with honors, or mandatory pre-req classes.

The result (for at least the STEM graduates bound for Silicon Valley) were highly skilled children who were programmed to value the commune over the individual.  So not only would they produce a lot, but they'd be willing to vote themselves into slavery for half their working days.  You can see this in the charts again where more and more money Silicon money is donated to democrats as the millennials enter the work force (or Silicon Valley's millennials having orgasms OVER A VERITABLE SOCIALIST WHO WANTED TO TAX THEM AT 75%)  But what I find jaw-droppingly-amazing beyond that was how the left MASTERFULLY brainwashed these kids to think they're "independent minded" on top of it.  Like an auto-immune deficiency virus, this brilliant stroke of brainwashing ensured any attempts to instill GENUINE independent thought (heck, just a different thought) would be impossible since the host/slave themselves would not believe it possible they could be duped because "they're so smart and independent minded." 

The result is a drastic improvement over the Bolshevikian communism of the Soviet Union.  First, unlike Soviet communism, the left is at least smart enough not to ban private property and tax people at 100%.  It's kills people's incentive to work, it kills any desire to invest or innovate...and heck, it just kills people, so there's no wealth for the left to confiscate.  But if you can get the government to be an effective 40% shareholder in corporations, train students to be workaholics, but brainwash them to WILLINGLY fork over half their life's work, the amount of money, wealth, and income that can be transferred is unimaginable.  Second, if you substitute independent thought and a respect for the individual with leftist religious hokum, you can distract Jang or Steve, slaving away 80 hours a week in a cube and 20 hours a week in a commute in Silicon Valley, from just what veritable slaves they are.  Why he's not "supporting an illegal alien family of four."  He's "a good person because he's driving a Prius."  Why she's not "paying for he lazy sisters grant money to pursue a degree in Women's Studies."  She's "a good girl because she recycles."  And why he's not working weekends only to bail out student loans, single mothers, and bankster scum.  No, he's "a good man because he wore a pink pussy hat on his head."  I cannot emphasize this enough, the false leftist religions have completely supplanted economic production and agency in the minds of Silicon Valley slaves.  It means more to them to champion things like "diversity" and other politically correct pet leftist causes than think about the work life balance they have, not to mention the difference between gross and take home pay.

But even getting 400,000 of America's highest paid and hardest working workers to willingly prostrate themselves for the rest of the country to live off is not the final cherry on this brilliant leftist success.  That is what I like to call "The Safety Valve of Buyers Remorse."

Like miserable, ugly, spinster feminists who wasted their entire lives in feminism and women's studies, nobody in Silicon Valley is going to admit they were wrong about this fake religion that has stolen half their life's toil. It's too harsh a pill to swallow.  Even if, through some miracle, they would start to wake up and ACTUALLY EXERCISE INDEPENDENT THOUGHT, I doubt the human mind or their egos would let them admit they had effectively been slaves for half their lives to the leftist political and parasitic classes.  Furthermore, by the fact they're socialists they value their leftist religion/ideology more than they do their own labor and selves.  And since that false religion has served as the source of value, agency, meaning, and purpose in many of these kids' lives, taking that away would leave them with an unbearable nothing.  Sure, you'll get one or two genuinely independent minded rarities to acknowledge and endure this epiphany, but most will continue to lie to themselves and stay within the false religion.

Sadly, this is "The Safety Value of Buyers Remorse," and is what will forever keep Silicon Valley's most productive enslaved.  Just like a feminist won't admit she deep down inside wanted a husband, just like a career woman won't admit deep down inside she wanted children, too much has been invested in terms of time, career, education, money, resources, thought, and youth for Silicon's best to admit they should've gone fishing instead.  Too much value and purpose has been placed on "going green" or virtue-signaling for whatever approved political cause the left told them to.  It would be admitting the best years of their lives were wasted and they were indeed duped by their leftist professors, teachers, and politicians.  And so on the leftist Silicon Valley Plantation they will stay working for their true masters.

So I do indeed tip my hat to the left.  Like corporate America, you managed to snag the top talent of two full generations AND got them to enslave themselves willingly AND you programmed into them a poison pill that will make them yours forever.  That is some wicked crazy amazing work and needs to be noted, highlighted, applauded, and jotted down in the history books.  You not only improved upon your original communist template, but proved with simple (though long term and consistent) brainwashing you can get entire generations of humans to vote against themselves, vote against the individual and work instead for the commune "greater good."

And for you hard working Silicon Valley slaves, enjoy the decline my friends.  Enjoy that freaking decline.
If you liked this post, consider purchasing one of Aaron's super awesome Books!

Wednesday, March 15, 2017

But Then Teachers Would Have to Work

And remember, the primary reason inferior 17 year olds declare education majors is because they're lazy and don't want to work.  So boys will continue to be given Ritalin.