401-K(eg)

October 10, 2008

Deep thought of the day…

If you had purchased $1,000 of shares in Delta Airlines one year ago, you would have $49.00 today.
If you had purchased $1,000 of shares in AIG one year ago, you would have $33.00 today.
If you had purchased $1,000 of shares in Lehman Brothers one year ago, you would have $0.00 today.
But, if you had purchased $1,000 worth of beer one year ago, drank all the beer, then turned in the aluminum cans for recycling refund, you would have received $214.00.
Based on the above, the best current investment plan is to drink heavily & recycle.  It is called the 401-Keg.

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Me > AIG

September 25, 2008

I’m against the $85,000,000,000 bailout of AIG.  Instead, I’m in favor of giving $85,000,000,000 to America in a “We Deserve It Dividend.”

To make the math simple, let’s assume there are 200,000,000 bonafide U.S. Citizens 18+.  Our population is about 301,000,000 +/- counting every man, woman and child. So 200,000,000 might be a fair stab at adults 18 and up.  So divide 200 million adults 18+ into $85 billion that equals $425,000.00.

My plan is to give $425,000 to every person 18+ as a “We Deserve It Dividend”.  Of course, it would NOT be tax free.  So let’s assume a tax rate of 30%.  Every individual 18+ has to pay $127,500.00 in taxes.  That sends $25,500,000,000 right back to Uncle Sam.  But it means that every adult 18+ has $297,500.00 in their pocket. A husband and wife have $595,000.00.  What would you do with $297,500.00 to $595,000.00 in your family?  Pay off your mortgage - housing crisis solved.  Repay college loans - what a great boost to new grads.  Put away money for college - it’ll be there for the future.  Save it in a bank - create money to loan to entrepreneurs.  Buy a new car - create jobs.  Invest in the market - capital drives growth.  Pay for medical insurance - health care improves.

Remember, this is for every adult U S Citizen 18+ including the folks who lost their jobs at Lehman Brothers and every other company that is cutting back. And of course, for those serving in our Armed Forces.  If we’re going to do an $85 billion bailout, let’s bail out every adult U S Citizen 18+!

As for AIG - liquidate it.  Sell off its parts.  Let American General go back to being American General.  Sell off the real estate.  Let the private sector bargain hunters cut it up and clean it up.

Here’s my rationale: We deserve it and AIG doesn’t.  Sure it’s a crazy idea that can “never work.”  But can you imagine the Coast-To-Coast Block Party!  How do you spell Economic Boom?  I trust my fellow adult Americans to know how to use the $85 Billion “We Deserve It Dividend” more than I do the geniuses at AIG or in Washington DC.  And remember, this plan only really costs $59.5 Billion because $25.5 Billion is returned instantly in taxes to Uncle Sam.

Now put that in your pipe and smoke it.

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Bill Gates and Jerry Seinfeld Part 2: Regular People

September 12, 2008

The next installment of Microsoft’s controversial ad campaign featuring Jerry Seinfeld and Bill Gates is out. And you know what? It’s pretty good.

It’s crazy that an ad campaign starring one of the least-edgy comedians out there and the world’s foremost philanthropist could ever be controversial. But the first Seinfeld/Gates ad was just that: Microsoft had for months touted an upcoming ad campaign that would strike back at Apple’s Mac vs. PC spots and would help set the record straight about Windows Vista; it delivered 90 surreal seconds of Seinfeld and Gates shopping for discount shoes.

The second installment isn’t much different in tone from the first one, and it’s three times as long. In it, Seinfeld and Gates move in with a stereotypical suburban family so they can experience life in the real world. It’s too long, but it does feature some clever lines, Seinfeld clipping his toe nails, and Gates reading the world’s worst bedtime story – proving again that he has a rare talent for deadpan self-mockery.

Again there’s no mention of Windows. But we’re OK with that. And in a weird way the first ad makes a little more sense now, although we still feel that it pushed absurdity a little too far.
Here’s a rather sane interpretation of the ads and the initial response – overwhelmingly negative – that Microsoft’s Chris Flores posted on the Windows Vista blog:

    “Will seeing Bill and Jerry enjoy each other’s company make people run out and buy a new laptop? Or correct misperceptions some non-users might have about Windows Vista? Certainly not…When you set out to create advertising, the thing that keeps you up at night is not ‘Will some people not get it or like it?’ Rather it’s ‘Will anyone pay any attention and notice?’ I think we can safely check that box.”

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I Don’t Get The New Microsoft TV Ad But I Like It

September 5, 2008

People are already talking about the new Microsoft TV ad featuring Bill Gates and Jerry Seinfeld. paidContent.org called the ad “pretty pathetic“, Sam Diaz “didn’t get it“. TechCrunch got word from Microsoft that the ad is triggered to “engage consumers” and “spark conversation,” which I guess it is doing.

In any event, I saw the ad on TV last night. I tried to concentrate on it, but right after, I asked, “what did that mean?” I enjoyed the commercial because it was Bill Gates and Jerry Seinfeld in a weird situation, doing “nothing,” as Jerry is known for. But what are they really going for here?

Here is the ad, what do you think:

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Sex Without Condoms Is The New Engagement Ring

July 30, 2008

NPR recently did a piece about how, for some people, “sex without a condom is the new engagement ring.” Apparently, “(Condomless sex) shows trust, commitment, and the prospect of a shared future; an engagement more practical than spending money on a piece of jewelry for a marriage that might not pass the test of time.”

To me it sounds like a bunch of cheap bastards. Brunks and Adam should take back their rings:

http://www.npr.org/templates/story/story.php?storyId=92871273

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Dollar Store Mystery

July 28, 2008

Normally, if I go to a store where everything costs one dollar, the only mystery I’m prepared for is how coarse and unpleasant toilet paper can be. A recent trip to a nearby Dollar Tree offered a more pronounced mystery in the form of so-called “grab bags”, which were strewn about a rack that taunted, “We know you just love surprises!” Families who shop at the Dollar Tree are known for their love of surprises, such as the surprise that they only have twenty-eight dollars per week to spend on groceries, or the surprise that Christmas is being canceled due to mother’s crystal meth addiction. These grab bags merge poor people’s penchant for surprise with their complete lack of taste.

The grab bags were divided into three categories: blue (“a surprise for a boy”), pink (“a surprise for a girl”), and green (I have no idea in hell what kind of bag this is). I decided to compose a comparative analysis of these grab bags by purchasing one of each type and sharing my findings, even though I knew full well that opening three mystery bags in succession might give me a heart attack, or that the contents of my new bags could compel me to commit suicide. But at a total cost of $3, I really couldn’t complain about the fine value.

A Surprise For a Boy

CONTENTS:
1 Green slinky
4 Decks of cards

It is an exciting day to be a boy. It is true that everyone loves a slinky, but only a boy can appreciate the nuance of using the slinky as a kind of tube prison for his G.I. Joes, or whipping the slinky around at his friend. My earth science teacher in middle school used a slinky to demonstrate the P-waves and S-waves of an earthquake. Slinkys aren’t for learning, they’re for slinking. This particular slinky, unfortunately, is particularly shoddy. My G.I. Joes escaped after about a minute.

When you’re finished with your slinky, it is time to play with your four decks of cards. I don’t know any card game that requires four separate decks—or for that matter any card game in which gambling or alcohol isn’t prominently involved. Now is a good time for a boy to learn about these activities as he struggles with the fact that his mom allowed the employees of the Dollar Tree to select his birthday gifts this year.

A Surprise For a Girl

CONTENTS:
3 Empty pink bottles
1 Empty pink container
1 Pink loofah
1 Mirror
2 Packages of facial tissue

Instead of printing that pink “grab bag” motif across this bag, perhaps they should have just called it a “garbage bag” and saved me the trouble of opening it up. Included are a bunch of empty plastic containers, some tissues, and a loofah, which is girl for “spongy body wash applicator.” Yes, fellows, you can fling the loofah at a group of G.I. Joes and pretend that it’s some sort of missile, but after some preliminary research I’ve concluded that this provides no more than a scant few hours of entertainment. The only other application for you males would be to hang it up in your shower and pretend that you have a girlfriend.

If you’ve purchased the pink grab bag, though, you’re probably a girl, in which case you could always use another loofah. Maybe a new loofah is what you need to actually become pretty. The empty plastic containers I’m not so sure about. You could put shampoo in them, I suppose, but why are you buying shampoo that doesn’t already come in its own bottle? Maybe the plastic bottles are to teach girls how to recycle, since that’s the only humane thing to do with their new grab bag toys. The mirror is useful for reflecting that priceless look of disappointment as girls open up their bag.

I hope you girls enjoy blowing your nose while imagining what it would be like to own hotel shampoo—I’ve got to go play four simultaneous games of High Low Ohama Poker with my new good luck charm, Mr. Green Slinky.

Green Bag

This grab bag is such a badass mystery, it doesn’t even clue you in as to which gender it’s for. That’s probably why the grab bag rack was about 90% green bags—nobody knows who’s supposed to buy them. I think they made the bag green so that stoners are tricked into thinking there might be some marijuana in one of them. They’d be disappointed—as would anybody hoping to find anything the least bit practical.

CONTENTS:
1 Pair of underwear
4 Decks of playing cards

Now is a good time to mention that four plus four equals eight, which means that this research has caused me to own no fewer than eight decks of cards. If you assembled these decks together to play a game of war, it would actually take longer to complete than the war in Iraq. I challenge anybody reading this to the most epic game of war of all time, the winner getting the blue underwear. In the meantime I’m going to try to get a bank to give me a loan so that I can use the playing cards to open up The Green Slinky Casino.

The underwear is baffling. You would think that the gender-neutral bag would be the least eligible place to include underwear, since you kind of have to know what gender you are before you buy something to wear around your junk. But I have to admit: this underwear design doesn’t seem to exclude either boys or girls. It’s cut sort of like a pair of men’s briefs, but it has the luxurious sheen and delicate softness of a pair of panties. The only thing I can say for sure about this underwear is that it fits me wonderfully, and you really can’t put a price on that. Oh wait, yes you can: one dollar.

It is time to put on my new underwear and roll around in all my terrific prizes.

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PBR is now America’s beer…sort of

July 15, 2008

Coors, Miller, and now Anheuser-Busch are all owned by foreign conglomerates. So where can a patriotic guy find an all-American brew these days?

Believe it or not, Pabst Brewing Company is now the largest American-owned brewer. But Pabst doesn’t even brew its own beer anymore. All 29 Pabst beers, from Schlitz, to Lone Star to Colt 45 to the legendary Pabst Blue Ribbon are outsourced to SAB Miller, based in South Africa.

Next on the list comes Boston Beer Company, which counterintuitively bottles its famous Sam Adams lager in Pennsylvania.

Third is D.G. Yuengling and Son Inc., known far and wide as America’s oldest brewery, operating in Pottsville, PA since 1829.

Here’s the full list of America’s top American-owned breweries according to the Brewer’s Association:

  1. Pabst Brewing Co.
  2. Boston Beer Co.
  3. D.G. Yuengling and Son Inc.
  4. Sierra Nevada Brewing Co.
  5. New Belgium Brewing Co. Inc.
  6. High Falls Brewing Co.
  7. Spoetzl Brewery
  8. Widmer Brothers Brewing Group
  9. Redhook Ale Brewery
  10. Pyramid Breweries Inc.

You can almost taste the freedom.

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12 Celebrities Who Look Like They Take the Biggest Craps

July 13, 2008

I think this one is kind of self-explanatory. But all of the following people have a quality that leads me to believe they take gigantic dumps.

12. John Goodman

He looks like he could crap out a dump truck full of Arby’s beef & cheddars.

11. Rosie O’Donnell

The only thing she loves more than Broadway is her trusty plunger. You know, for her meatloaf-sized bricks of poop.

10. Jeff Garlin

I bet he probably spends most of his day planning for, and recovering from some shit he’s about to take or just took.

9. Shaq

It’d be kind of disappointing if he didn’t take ridiculous dumps.

8. James Gandolfini

Once ordered a hit on his basement toilet.

7. Uncle Phil

Powerful, powerful dumper.

6. John Daly

If crappin’ was a pro sport, he’d be in the Turd Hall of Fame.

5. Al Pacino

Whooooooooaaaaaaahhh!

4. Phylicia Rahad

Cosby’s. Pool. But seriously, I bet she takes strong Nubian power craps.

3. Horatio Sanz

He strikes me as a hearty shitter, who giggles uncontrollably at the sounds he’s making. Then he calls Jimmy Fallon to let him listen.

2. Elton John

No, not because he’s gay. Or because his name is synonymous with ‘Gay Bathroom’. But that doesn’t hurt. I just think he probably belts out logs like he belts out tunes.

1. That Infomercial Guy.

Kaboom is right. Billy Mays looks like he takes loud, violent, epic shits.

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Leasing vs Renting

June 28, 2008

Here’s a nice little exercise on leasing versus renting.

Paul Macartney is my subject. I note according to reports he paid 49 million dollars to Heather Mills for 5 years or marriage. Assuming he got sex every night during their 5 year relationship (which lets be honest, probably didn’t happen) it would end up costing him $26,849 per time. Heather ain’t exactly the best looking bird. Now I also note, Elliot Spitzer’s call girl, Kristen, an absolute stunner with a body like no other, charges $4,000 an hour, for anything. Had Paul McCartney ‘employed’ Kristen for 5 years, he would’ve paid $7.3 million for an hour of sex every night for 5 years (a saving of $41.7 million). Value-added benefits are: a 22 year old hot babe, no begging, no coaxing, never a headache, plays all requests, ability to put BOTH legs around you, no bitching and complaining or ‘to do’ lists. Best of all, she leaves when you’re done, and comes back when you ask her. All at 1/7th the cost, with no legal fees.

Sometimes renting makes far more sense.

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Obamaville vs. McCainland: What the Future Economy Will Look Like

June 4, 2008

It’s the time of the season to get a little political at Lube…

Obama and Mccain

Congratulations, Mr. Barack Hussein Obama and Mr. John Sidney McCain III. You are now going head-to-head for the unenviable position of bringing a wounded nation back to its feet.

Based on a Reuters factbox and the two candidates’ official websites, Business Pundit has compiled the main economic points for each candidate as well as brief conclusions which I will list below. They offer two radically different models for the nation:

Part 1: OBAMAVILLE

A green society of telecommuters where poor families enjoy tax credits, children can skateboard without helmets (they have free health insurance, after all), and words like “Iraq” and “loan shark” are things of the past.

HEALTHCARE
Give healthcare to kids
Keep the current job-based system intact, but expand government healthcare so that it covers children. What his government will do for the 40+ million adults without healthcare coverage remains unclear.

IRAQ
Get out of Iraq
Remove troops from Iraq within less than 1.5 years of taking office.

TAXES
The rich pay, the poor get credits
Let Bush’s tax cuts on the wealthy expire. Raise capital gains tax rates. Implement tax credits of $500-1000 that will “eliminate income taxes for 10 million Americans.”

FREE TRADE
Expand and make it fair
Renegotiate NAFTA so that it “works for American workers.” He also plans to increase free trade.

EMPLOYMENT
Build a society of green, scientifically-advanced telecommuters
-Double federal funding for research.
-Subsidize automakers so that American workers can build fuel-efficient vehicles.
-Sponsor job-training programs in green/sustainable areas such as green technologies.
-Require 25% of electricity in the US to come from renewable sources, such as wind, by the year 2025.
-Raise the minimum wage.
-Put more federal money into after-school programs; promote flexible work arrangements such as telecommuting.

THE SUBPRIME CRISIS
Give people a break
-Revise bankruptcy laws to make them more lenient on consumers.
-Increase regulation on the mortgage industry.
-Create a universal mortgage tax credit (averaging $500) for homeowners.
-Provide a credit card rating system to simplify credit card shopping for consumers.
-Drive shady payday loan outfits out of business by encouraging banks and other legitimate lenders to make short-term microloans .

Conclusion: I’m all for tax credits for my income and mortgage. And green technology is absolutely fundamental for long-term forward movement in the economy. But where is the government getting the money to fund this? I mean, the only papers the Feds are rolling in right now are I.O.U. slips…

PART 2: McCAINLAND

We’re gonna kick some ass in Iraq and pull out victorious within five years. Private health insurance will become more competitive, so average Joes and Josephines to afford policies. Kids will have a better education. The government will be run like a Navy SEAL team, with no excess pork and no corruption. Thanks in part to this, Social Security will be saved.

HEALTHCARE
Still up to us, but a break for seniors
Implement tax credits to boost an open-market system where the public picks from competing policies. McCain hopes that healthcare insurance will move away from employer-based systems and into private consumers’ hands. He would also lower Medicare premiums.

IRAQ
We’re gonna kick some ass
McCain wants to keep troops in Iraq “until the war is won, which he claims can happen by 2013.

TAXES
More of the same
Keep Bush’s policies of tax cuts for the wealthy intact, while also cutting corporate tax rates.

GAS PRICES
Gassackwards
Remove federal gas taxes for a period in the summer, “giving a boost to struggling families seeking a vacation.”

FREE TRADE
More of the same
Keep current policies in place; promote low barriers to trade.

EMPLOYMENT
Better-educated kids, hope for the future, and unemployment bootcamp.
-Promises to save the social security system without raising taxes.
-Increase educational opportunities for children by allowing them a free choice of schools to attend.
-Overhaul unemployment insurance and turn it into a program that helps retrain and relocate people who have lost their jobs. Funding community colleges and technical training programs will be part of this effort.

INTERNAL GOVERNMENT POLICIES
Make the US government a lean, mean accountability machine. Free up more money for better causes.
-Will single-handedly veto any earmarked or pork-barrel bills.
-Promote accountability and performance in the federal workforce.
-Cut wasteful spending anywhere he sees it, in defense and non-defense programs. Get rid of government programs that do not work.

Conclusion: I’m all for a lean, corruption-free government. But how is organizational sharpness going to help Americans cope with increasing food, fuel and other commodity prices? And is increased competition in the private healthcare sector really going to reduce prices by that much?

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