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Messages - Jason

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Doctrines & Scholarship / Re: "It mattereth not what ye eat or drink"
« on: September 23, 2017, 11:14:18 pm »
My ward started using wine a few months ago. It has been a nice change. We got a surge in sacrament attendance for those curious as to what wine tasted like.

(That might have just been a dream, but it would be nice to do it that way).

News of the Church / Re: BYU on the way to "party school" reputation
« on: September 23, 2017, 11:07:31 pm »
Slow down there. Next you'll be telling me that shorts that do not always cover the knees will be appropriate to wear.

General Discussion / Re: It Never Fails!
« on: September 23, 2017, 11:04:20 pm »
Have you told him that you would like to replace the refrigerator?

Next, butter him up. Tell him that because we have been in such a phenomenal bull market, that you would like him to sell some of his gains and buy a new refrigerator and pay down some credit cards. If he doesn't have gains, then Edward Jones is worse than I currently think it is, with their high fee, front loaded, used car salesman type actively managed horrible investments.

Finally, if you think he has a problem with too much "financial porn" (CNBC, Fox Business, etc), send him to bogleheads.org. That is a website of altruistic investors dedicated to the Jack Bogle (founder of Vanguard) philosophy of investing in low cost index funds. They tend to beat ALL other forms of investing. Have him submit his investments to their scrutiny and they will and honestly evaluate them for him. They do this quite often. It might encourage him to make some reasonable changes, such as paying off credit cards before investing anything else, firing the financial advisors (salesmen), getting out of Edward Jones, stop day trading.

You can even get him to think that the scrutiny was his own idea. Just ask him if he has heard about a great investment website called bogleheads.org, and he will stumble upon the rest.


I do not think it too wise to get the branch president involved in this. For me that would lead to resentment and closing off even more, at least if I did not realize that there was a problem. I could be reading the whole situation wrong, but it still sounds like communication might be the bigger issue, and that can be worked on over the next month or two.

General Discussion / Re: Current Events - US Politics Edition
« on: September 23, 2017, 10:11:08 pm »
I began watching a few youtube videos about people visiting North Korea, as well as listening to interviews from people that have escaped from North Korea. The North Korean people all believe that the USA and capitalism and exploited South Korea and they are all living in poverty. They believe that they will some day liberate South Korea and increase their standard of living.

Kim Jong Un put on weight and cuts his hair like he does so that he looks more like his grandfather, who is very beloved. If you do not cry loudly enough on the anniversaries of their beloved leaders deaths, you may be into one of their prison camps. Their prison camps are very similar to the labor camps in NAZI Germany, with many people dying of starvation. Many are executed. There are forced abortions. They also have generational imprisonment, where not only the criminal is imprisoned, but his parents and children, even those not yet born, will also be imprisoned.

Courts are controlled by the politicians. Laws are there to protect the rights of the state, rather than individual rights.

There are 2 TV channels, both controlled by the government. There are around 30 websites you can access, but only the elite can even get onto the internet. All the news is expressed at how the rest of the world trembles before the might of their beloved leader, thus they are able to achieve political victories that gives them Food Relief. One solution they are using for controlling hunger is to encourage limiting yourselves to only 2 meals a day.

They have museums dedicated to the atrocities that the Big Noses (Americans) committed during the Korean war. They have set up America to be the Bogey Man, and begin indoctrination early on.

Calling Kim Jong Un "Rocket Man" seems like an appropriate way to respond to him. He maintains power by becoming a god to them, so Trump brings him back down to earth.

Watch some of those videos. It is amazing.

General Discussion / Re: bug out bags for my office
« on: September 23, 2017, 09:52:08 pm »
The latest trend is for airlines to charge for your regular carry on bag. You can still bring your personal item on board, though.

General Discussion / Re: It Never Fails!
« on: September 17, 2017, 05:46:23 am »
Can't kill him cause I don't know how to access his stock market account, or his retirement acct at Edward Jones. I have however stopped listening to him.

Many money difficulties are really money communication difficulties. It is hard to communicate with a spouse about money, as there are competing interests and there is only a finite amount of money.

General Discussion / Re: It Never Fails!
« on: September 17, 2017, 05:26:52 am »
Anyone who is putting a hunk of money into a stock market that experts think is in a bubble is in dangerous territory.
Experts have been claiming a bubble or imminent crash for many years. Most of these experts have correctly identified 17 of the last 3 downturns (proclaiming doom and gloom brings them money and followers). Many people have listened and have left their money on the sidelines, waiting for the inevitable crash and bottom, because they were afraid of getting in on the top. But they have missed out on one of the greatest bull markets. Even recently, some got out when Trump was elected, but the markets are up 17% since then.

There will be a downturn eventually. It always happens. It could be this year. It could be in 5 years. Ignore the noise. No one knows anything. Slow and steady investing in index funds, maintaining one's asset allocation between bonds and stocks will beat nearly all other investment strategies. Time in the market beats timing the market all the time. The strategies that beat slow, boring passive investment will only be known afterward. Markets are up? Invest. Markets are down? Invest. You'll be a millionaire someday.

That is with your investable money. Emergency funds are meant to be used for appliances, car repairs, etc. Credit cards and maintaining balances on the credit cards means that there should not be investable money, as the markets will not beat credit card interest.

My philosophy on a windfall is to go out to dinner, then make no drastic moves before you have a chance to let your logical mind take over, which will generally be to build up the emergency fund and pay down debt, then invest in tax advantaged accounts (roth, IRA, 401(k), etc).

General Discussion / Re: Current Events - US Politics Edition
« on: September 16, 2017, 06:55:00 am »
I am glad that President Trump is working with the other side. There has been so much acrimony, that perhaps working with them on a relatively easily justifiable concession will allow inroads for future cooperation. Politicians, while outwardly hard core, are inwardly pragmatists.

General Discussion / Re: It Never Fails!
« on: September 16, 2017, 06:41:38 am »
Some stock purchases are speculation (gambling) and some are investing.

Speculation is thinking you can find the next Dell, Microsoft, Apple, or Netflix before anyone else knows it is going to do well and making a quick buck, or doing day trading activities and hoping that you can make enough to overcome the transaction costs and the likelihood that you picked wrong.

Investing is boring. It is buying large index funds and reaping the gains or losses of the entire economy, which will have pullbacks, bear markets, and crashes once in a while, but over the years will tend to go upward. It is not selling during the crash, not listening to your emotions, because you do not actually lose money until you sell, and index funds will rise again. Crashes are the time to buy (buy low sell high). It is buying and then not selling for decades until near retirement. Sometimes not looking at your portfolio for months or years. Ignoring all of the noise out there. Slow, steady investments with modest living is how average people become millionaires, think the Millionaire Next Door, Bogleheads, etc.

It is easy to think you are a good investor when the stock market as a whole has been rising as rapidly as it has for the last several years, but especially this year. In reality, nobody knows anything.

I think the pro-life decision would have been to take the chemotherapy in the attempt to preserve her life.

Nauvoo International / Re: A Missionary By Himself...
« on: September 10, 2017, 10:30:25 pm »

Those towns are closer to me. Our ward mission leader looks for volunteers to drive the missionaries on transfer days around here.

In the farther parts of Germany we would take the train ourselves to the new town. Our new companions would meet us at the train stations. It was a nice bit of quiet for a couple of hours, though many of our apartments held two companionships (more economical).

For the goldens (new missionaries), the trainers would come into Berlin and pick up the golden missionaries at the training meeting, then take them to their new areas. I remember picking up my golden, and we had a long train ride to the most northern point of the mission. I think there would have been too many golden missionaries ending up in the wrong cities if they were sent out on their own.

300-400 Doctors commit suicide each year, the equivalent of a large medical school class. While the video doesn't happen every day, I have had every one of those scenarios, usually multiple emergent needs at the same time, as well as that type of response from hospital administration (minus the offer of more money).


General Discussion / Re: New Mommy, Daddy & Baby basket ideas
« on: September 10, 2017, 11:03:11 am »
Men are often practical. I would like things that could help me take of the baby, such as diapers and onesies. For cuteness I would want the onesies to say something about dad, and/or "future fisherman/motorcyclist/coffee drinker/Seahawks Fan, etc. I would avoid fragrances and cushy clothing. Chocolates and/or foods that I enjoy would be nice.

General Discussion / Re: It Never Fails!
« on: September 10, 2017, 10:55:37 am »
Will you be paying off all of the credit card debts before playing in the Stock Market?

About the nurse and soon to be ex-cop, one lesson I have learned from this is to always work on your temper and demeanor with other people. We might think we are good under stressful situations, but who hasn't ever said or done something before thinking it through? To a family member, friend, co-worker, etc? If you have, then you could have been that officer. The events in a day to day flow of a job tend to happen as they are supposed to happen. It is the atypical that can really test us. Diffusing situations is a skillset that isn't taught to many people, especially when we are the ones who need to be diffused. The old axiom of taking a deep breath and counting to ten before saying or doing something impulsive would have made this whole event a non-event.

Hospital administration should have come down there in person, as opposed to being on the phone, as well as getting the hospital's general counsel on the phone. Front line nurses and doctors should not be the ones to interact with law enforcement.

The cover-up should also be looked into, as discipline seems to only have come out once the video was released.

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