Wednesday, October 29, 2014

Wednesday Night Linkage

A more thorough and outstanding explanation of GameGate if my original video was too short.

The irony, feminist Lindy West writes for....are you ready....GQ of all places.  Some how I don't think "Gentleman's Quarterly" is really about gentlemen any more.   That's alright GQ.  We bloggers will gladly take the manly man market away from you.

My position on charity summarized neatly here.

Reason #981 why I will never hire somebody from the Ivy League.

The World Needs More Assholes

Remember, real consultants will lie to you.
Assholes tell you the truth.

If you got a problem in life, or just a question you want a second opinion on, visit the ole Captain's consulting division:

Asshole Consulting.

Obama and the Magic Gini

If you don't know what the Gini Coefficient is, that's alright.  It just means you have a life.  But for the sake of efficiency, the Gini coefficient is a number between 0 and 1.  A country with a Gini coefficient of 0 means all income is distributed equally.  And a country with a Gini coefficient of 1 means one person makes all the money.  This measure was created to show just how skewed income distribution was and, truthfully, to make disparity income distributions "evil" or "bad" in the eyes of a naive public.

Sadly, despite Obama's ideologue-strength desire to redistribute income, he's only managed to (in the classic sense) make the rich get richer while the poor gets poorer.  The Gini coefficient has been going up as it always has.




Technically that bold faced lie (the richer get richer and the poor gets poorer) is a lie.  Both rich and poor are getting richer over time.  It's just that the rich get richer faster because they have the majority of monies and can therefore capitalize on early investments in successful ventures.  But still, as a relative measure, the poor continue to lose "relative" ground to the rich.  And if you couldn't get an American-hating communist like Obama to lower the Gini coefficient, you're not going to find anyone to do it.

Tuesday, October 28, 2014

Dear China, Here's Where Your Money Went

In a previous post I calculated the statistical causes of the US federal deficit and debt.  It was to answer the debate, once and for all, whether it was military spending or social spending that was the primary cause of our financial woes.  When the statistics were tallied it turned out nearly 2/3rds of the deficit/debt was caused by social spending and only 25% military spending.

However, while this addresses the budgetary issues facing the country (which will be summarily ignored), it does nothing to address the counterparty to this deficit spending.  Namely, our creditors. Specifically China.

The whole idea of "lending" money is that you do so expecting to not only get your principal back, but some interest income as well.  And the way your debtor will pay you back is by taking the proceeds from the loan and investing it in a venture that will generate a rate of return in excess of the interest rate being charged.

However, let's focus on the key word of that sentence - "invest."

To sane people or people who care about getting their money back the quality of the loan is based on the quality of the investment that money is used to finance.  Therefore it behooves the lender to analyze where the proceeds of the loan are going to go.  This was my primary job during my 15 year tenure in banking.  My job was to take loan applications, analyze their creditworthiness and determine whether they proceeds would not only be invested wisely, but generate a rate of return that would satisfy the debt obligations.

Out of the thousands of loans I analyzed a majority of them were bad investments.  Another real-estate development in an already-oversaturated market.  A loan to my boss' buddies with no collateral.  Sports bars for ex-jocks going through midlife crises.  And horse hobby farms for the trophy wives of insolvent faux "businessmen."  There was even the famous "cereal bar" where our money would be used to purchase milk (which does not make a good form of collateral).  But out of all these horrendous and idiotic investments, they are nowhere near as bad as the US government bonds you Chinese got suckered into buying.  And the reason is simple:

The majority of the money you lent us was not invested.  It was merely pissed away.

Consider a statistical break down of where your money was "invested" here in the US.

The Military 26%
















One of the largest components of the US budget, your money was used to buy weapons and pay soldiers.  Sadly, the military is not an investment.  Matter of fact, it's quite the opposite.  The military is PURPOSELY designed to destroy things.  Not build them.  You will not get a return on your investment from the US military.

Social Security/Medicare 33% combined















The reason I combined these two is because of the delicious irony of how your money was "invested."  Social Security is paid to people who are retired or are disabled.  In other words, they don't work.  You are merely paying these people to live with no expectation of a return on your investment.  Worse still (and doubly ironic) is Medicare is basically paying to keep old people alive who are about to die anyway.  Instead of investing in the "youth" who might have the capacity to earn the money to pay you back, you are investing in old people who not only DON'T work, but will die soon.

Income Security 16%














Oh, you know how I said if you invested in the youth you'd at least stand a shot at getting some modicum of return on your investment?  Yeah, well there are some young people out there who could work, but they're lazy and just don't want to.  That or they so spectacularly screwed up their lives by having children they can't afford or some other such life-destroying move that they're too pre-occupied living off of others to be concerned about paying you back.  Besides, this is the dumbest segment of our society and they frankly probably don't know the different between China and Japan.

Health 9%















Remember those lazy people I was telling you about?  Yeah, the ones that don't work?  Well they tend to have children at higher rates than their responsible citizen counterparts, and so they need health care.  You could make the argument that these kids will grow up and maybe get jobs, thereby giving you a slim hope you might recoup a fraction of your investment, but a visit to one of our fine trailer parks, ghettos or barrios will show you the cycle of poverty these unfortunate children are condemned to.

Education 4%














You may have your final hopes pinned on that a small percentage (4%) of your money went into education and training.  This should make people more productive, get them higher paying jobs, and thus provide the tax base to finally pay you guys back.

Sadly, your hopes are misplaced, because unlike our Chinese and Asian counterparts, the majority of American education does NOT go to productive endeavors, but worthless frivolous ones, specifically the humanities and liberal arts.  The result is not only an industry that indoctrinates our youth into socialism and sloth, but gives them no real practical skills that will help generate economic growth.  You won't get your money back here, but at least Tina the Suburbanite Princess got her Masters in Transgendered 13th Century Sculpture Fairy Studies.  Thanks hard working Chinese people!

We could go on, but that accounts for nearly all of the money you've lent us.  And as you noticed none of these things even come close to "investments."

The sad truth is that America did not "invest" the money you lent us. It bribed.  It bribed our parasitic class to vote for democrat politicians, keeping them in power and preventing them from having to work real jobs (perhaps you are aware of our president's complete lack of real-world work?)  Oh sure, our leftist politicians say they're "investing," but that is nothing more than a co-opted word used to hide their true intentions.

The issue is what are you going to do about it?  I personally am shocked China, let alone anybody in the world lends the US government (and by association) our parasitic class money.  What is literally happening is we are essentially enslaving hundreds of millions of Chinese.  We have you work the menial jobs Americans are too lazy to work themselves, while stealing borrowing money to pay for those goods and services.  Thus the welfare mother doesn't work, but she still gets Chang at the Samsung plant to build her a nice new smart phone, bought and paid for with money you gave her via the US federal government.

What the Chinese people and its government have to understand is that it is unlikely you will ever be paid back the money you lent us.  Not because the US government chooses not to pay you back, but because the population of the US is decaying and declining to the point they are incapable of working up the economic growth to pay you back.  I can only hope (and grant permission to anybody who wants to) to translate this into Cantonese and/or Mandarin, and would love to hear arguments why the Chinese people are making such a horrible investment.

This post is now on Reddit.  Land of "This Guys An Idiot Because He Disagrees With Me."  Would be horrible if a Cappylanche were to happen and it gets voted up.

Monday, October 27, 2014

Saturday, October 25, 2014

Gamergate for Non-Virgins

Confused about Gamergate?
Wondering why this is breaking into the MSM?
Should you care?  Should you not care?
Never fear, the Captain explains Gamergate here!


Saturday Linkage

Businesses don't create jobs.  Golddigging wives who ride off of daddy's money, then hubby's political career do.

Dear MSM,  Thanks for your lunch, and yes, I am eating it.

Last Night's Hotel Stand

Remembered in addition to dive bars across the unpopulated American west I also intended to take pictures of my bedstand before going to bed.  This was last nights:


Friday, October 24, 2014

The Black Man's Guide Out of Poverty

I was interviewed by Kerry Lutz recently and made the announcement and title of my next book official.  I'm going to aim to have it done by Christmas selling season, but that's about to start in a week.  Regardless, should be ready before Christmas.

Podcast Episode #68

Cappy exposes the NO CURSING CONSPIRACY!
Review of "Fury"
Explaining the difference between "all" and "some"
Why Wyoming sucks
I'm too damn tired to care about accusations of racism and sexism.
"I'm 67% dead!"
A 17 Year Old Girl "Troll of the Weak"

and MORE

in this episode of The Clarey Podcast.

Thursday, October 23, 2014

California Institute of the Arts

I had an agent send this to me.  He attended the California Institute of the Arts (where these fliers were from) and I think any young man considering this college should rethink given its politically hostile environment towards men and how "rape" is now defined as "regret."

































This isn't bullshit boys.  You need to be VERY WELL AWARE AND WARNED just how much of a risk it is attending colleges like these, especially in California, where they are so far deluded, so far gone, that mere "regret" is grounds for a rape accusation.

Choose schools wisely boys.  You landing in jail or having your tuition confiscated while you're expelled because you had sex with a drunk girl is just not worth it.

Thursday Night Linkage

Stay frosty, boys.  Stay the freak frosty.

Sandman does a GREAT economic analysis of the international prostitution market and what will happen to prices based on whether it is legal in a country or not.

When sports and education mix.

"If they are not loyal to you, then you should not be loyal to them!"

Is the Canadian Parliament a gun free zone?

This, more than any other reason, is why I have given up caring about the future of the US.  And I disproportionately blame young and female voters for constantly and consistently voting more power to the state for it. When you let people who aren't citizen vote, you do not have a country.  You have a resource for the world's parasites to plunder.

The Truth About Executive Compensation

A common whine complaint from unions and the left is about executive compensation.  That these evil, fat cat, mean, rich executives make too much money and if that money were instead to be paid out to the "real" workers in corporations, then all would be well and every child would have a pet unicorn. 

Like many, if not all, arguments of the left it is based in idealism and not reality.  What people want, versus what the labor market can possibly mathematically deliver.  Hope and not reality.

Because of this, their arguments are founded on weak clay foundations, and it doesn't take much research or empiricism to prove them wrong.  So after (literally) 5 minutes of research I was able to pull some quick statistics and facts, do a little bit of 3rd grade math and debunk this leftist pipe-dream of an argument that has been around for decades.

Once again, I'm going to go with the most

EVIL
VILE
DISGUSTING
GREEDY
HORRIBLE

corporation that ever existed - Exxon Mobil.

Executive compensation, which is now required to be filed in the 10K/annual report to the SEC, can more easily be found on Morningstar which does a nice job of presenting it annually.



















As you note, those evil, mean (and no doubt) 100% white male corporate executives at Exxon Mobil make on average $85 million annually in compensation.

Now, what if we were to take all of it and spread it fairly across all the "real" employees at Exxon Mobil?  How much would it help those poor, disadvantaged near-slaves that are being taken advantage of by these evil executives?

Well a little google searching will find that Exxon Mobil employs 75,000 employees.  You do a little 3rd grade math and you come to find out that if we stuck it to those evil, greedy (and don't forget White Male) capitalist pigs, each and EVERY employee would get a raise of  (drum roll please!!!!)....

$1,133.

Giggity freaking giggity.

Now, let's do something I like to do to save time and advance the conversation along - predict the knee-jerk counterarguments from the left.

Did you include stock options? - Yes, the SEC considers stock options, grants, and other forms of non-cash compensation in it's calculations.

Well, that's just Exxon Mobil.  It's probably worse at other companies! - Then you do something for the first time and research something rather than blather.

Still!  That's better than nothing!!!! - Oh shut up.

The whole point is that this myth of if we "just took executive compensation and spread it across the employees, then everybody would have higher standards of living" is precisely that - a myth.  The MATHEMATICAL REALITY IS that there just aren't enough executives out there.  Yes, they make a lot of money, but given the ratio of employees to executives, it's too high to make this dream reality. Worse still for the left, this says nothing about their ultimate goal - taking executive compensation and giving it to EVERYBODY - employees, poor people welfare recipient, students, single mothers, etc. etc.  If you included the millions of dependent parasitic classes, confiscating ALL of Exxon Mobil's executives' compensation would result in an increase of just PENNIES to the average democrat voter.

The truth is that relying on other people and pursuing a life of parasitism will NEVER get you to the standards of living you want.  And wasting your life lobbying, debating, and arguing for other people's money is precious time that could be otherwise spent improving yourself, your skills and your own lot in life, much more so than waiting for the democrat party to eek out an added tax "on the rich."

So argue all you want.
Protest all you want.
Whine all you want.
Stammer your feet and pout.

Even if you got everything you wanted, your life would still suck because (and here's the sad truth) you suck.

So stop sucking at life and do something with it instead of sticking your hand out.

THIS IS What Feminism Looks Like

For all you young naive girls who think feminism is "just the equal treatment of women" its time for you to wake up.

Wednesday, October 22, 2014

Social Security and Medicare Simplified

From our resident artist Jorge (who intends on drawing several more political cartoons)


Why Big Oil Should 86 Their CSR Departments

"and replace them with me."

Language warning:


Looking for Writers

Howdy All,

Alex is looking to hire more writers as the fall semester gets into mid-terms and ultimately finals season.  If you're interested in picking up a little extra cash and would like a job without a commute, contact him below:

Aleksey Bashtavenko
Academic Composition
Owner & Principal Writer
(540) 300-1253
academiccomposition@gmail.com
www.academiccomposition.com
www.linkedin.com/pub/aleksey-bashtavenko/25/7b8/323/
 
Thank you,
 
Cappy 

Tuesday, October 21, 2014

The Deflationary Spiral is a Lie

Rick Newman at Yahoo *COUGH COUGH WHEEZE WHEEZE* "News" wrote a piece recently about the horrors and catastrophes of "deflation."

Yes, this economic scourge is so dangerous, so devastating that people unfortunate enough to experience it suffer:

Higher standards of living
An increase in the value of their money
Increased purchasing power
and
a stable currency

Sarcasm aside, you don't need to be an economist to figure out that the "deflationary spiral" is a Keynesian canard because the WHOLE POINT OF ECONOMICS AND SOCIETAL ADVANCEMENT IS TO MAKE THINGS CHEAPER!  It's the SOLE PURPOSE of economics.  Increasing standards of living through efficiency.  So already you know when somebody warns about the "horrors" of "deflation," you know they're either

1.  An ignorant journalist who doesn't know jack about economics or
2.  A politician or political operative trying to dupe you

(Mr. Newman is the first, despite his degree in economics, which was no doubt dripping with Keynesianism)

However, this simple logic to find out if believers in the Deflationary Spiral are devils or dupes, does not expressly explain or disprove their claims.  That claim being that deflation lowers demand by delaying purchases as people "know" prices are going down and simply postpone those purchases indefinitely into the future.  And while it may seem logical on the face of it, that's all it is - logical.  Not empirical.

First, in order to believe the Deflationary Spiral exists you have to believe that Americans are financially conscious and savvy enough to know about prices, inflation, etc.

ARE YOU KIDDING ME?????

The average American doesn't even know who's in congress or where Canada is, let alone what the CPI is doing!!!!  They are so stupid and so doped up on bread and circus BS that the last thing they're doing is reading Federal Reserve minutes.  They are the most economically ignorant population in the history of humanity (but they're experts in the Kardashians and ESPN post game shows).

Second, since the average American is clueless about finances and economics, they spend money like...well...Americans.  They save practically nothing,



 and (despite enormous debt forgiveness during the financial crisis) have managed to rack up cumulative household debt back above 100% GDP.

Third, Americans lack the capacity for delayed gratification.  In the now now now me me me mine mine mine society, nobody is conscious, let alone psychologically capable of budgeting, conserving or postponing purchases.

And finally, women.  (Yes, sorry, we're going there, because it's germane and true).  Depending on what statistics you want to use, women account for anywhere between 55-80% of all household purchases.  And most of them are on worthless and unneeded trinkets and crap.  I have NEVER, EVER heard a woman utter "deflationary spiral" because it has never occurred to a newly wed wife to postpone purchases of curtains for her new home, a power tripping NYC marketing executive to postpone purchases of her Pravda shoes, or a naive and clueless college student to postpone the purchase of her $200,000 "Masters in Latina Transgendered Anthropologic Poetry Unicorn Studies."

But the ultimate argument against the Deflationary Spiral is simply one of empircism.

It does not exist.

While I know economists, journalists, politicians, and everyday sheeple just like to repeat things they heard in college or the news, it doesn't make them true.  And if you look at spending versus inflation, THERE IS NO RELATIONSHIP.

This chart shows the velocity of money (the rate at which a dollar is spent and re-spent, indicating demand).  It is juxtaposed against inflation.  To the untrained eye you might be tempted to detect a pattern or relationship between the two, and according to the Deflationary Spiral believers as prices go down you should see a decrease in the velocity of money.




















However, THERE IS NO RELATIONSHIP BETWEEN THE TWO.  When correlated against one another the correlation coefficient is -.04, meaning no relationship at all.
















Naturally, I don't expect my little blog here, let alone this little post to correct the thousands of erroneous pages in economic textbooks.  I don't expect this FACT to change politicians' or journalists' thinking (or incentives).  And I doubt that anybody at the Federal Reserve will remove their lips from Keynes' dead ass long enough to consider this data.  But I do expect my readers and anybody who really cares about politics and economics to know the Deflationary Spiral just doesn't exist.  And that the next time you hear somebody trying to "scare-tactic" you using the "Deflationary Spiral" to know it's a calculated political move to allow for more government debt and printing of money.

Monday, October 20, 2014

A Job for Some of Youse Guys

Our sponsor Academic Composition is looking to hire.  Contact Alex if you think you'd be interested.

Do you live in California and are you looking to make a little extra cash?
There is no easier way to do this than to post flyers on college campuses
and collect a five dollar bonus for each person who will order an essay
with Academic Composition. All of your traveling expenses will be covered
and you will be paid per hour to hand out flyers.

This is the middle of mid-terms and California campuses are teeming with
fratboys and sorority sisters who have no business being there. To be sure,
they'd much rather pay to have their 20 page screed on feminism or
environmentalism written for them than lift a finger to do it on their own.
Besides, who could blame them for skipping out on such preposterous
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The bottom line is, dozens of students will reach out to us through your
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Email us at academiccomposition@gmail.com to get started, we'll have more
information for you as soon as you do.
Aleksey Bashtavenko
Academic Composition
Owner & Principal Writer
(540) 300-1253
academiccomposition@gmail.com
www.academiccomposition.com
www.linkedin.com/pub/aleksey-bashtavenko/25/7b8/323/

The Clarey Podcast #67

Aaron is bribed again not to curse this podcast...and sort of succeeds
The joys of working security
How to deal with older co-workers and supervisors, career advice from Cappy
Who the Captain wants to run for president
Fan mail from a man who headed up a Special Ed department for 15 years
A mom busted for dealing heroin is considered "A great mom" by her sister
Um NO, the Republicans and Democrats are not "all the same."
And the Troll of the Weak who thinks it's "hard" majoring in English!

And MORE in this episode of The Clarey Podcast.

Direct MP3 download located here.

If you'd like to help the show make your Amazon purchases here!

Making Money Off of Stupid People

This was quite predictable.

Another Book Babe

A southern belle sent in a pic. 


Sunday, October 19, 2014

Lazy Sunday Linkage

The most depressing podcast ever from The Black Brigade.

1950's grade distribution at Princeton.

Obama's crony czar won't start the made up position for his crony job for 5-6 months.

Parents can pay for their childrens' college, but can't find out about their grades.

Daddy, what's a Social Justice Warrior?  Well...they're scum, son.  Just verminous scum.

The 1950's were better because of the people, not that they needed only one income.

Oh noesies!!!  Eliteist book publishers are being destroyed by Amazon.  Oh noesssss!!!!!