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Alright, neoliberals. I've got a ton of notes from Joseph Stiglitz's "The Great Divide" and "Rewriting the Rules of the American Economy". What have the succs got wrong?

At the same time that I've been browsing this subreddit prolifically (because it's the only political subreddit I've found where something like this thread I've linked gets upvoted), I've done a lot of reading, specifically Joseph Stiglitz's books The Great Divide and Rewriting the Rules of the American Economy. Apparently you guys don't like Stiglitz, so I'm looking for whatever criticism you have to throw at the ideas presented in these two books. Stiglitz seems to agree with you all a lot, so I'm kinda confused. I read these books thinking your ideas and his are one of the same.

The Great Divide

Despite being longer than Rewriting the Rules of the American Economy, I took less notes on this one, since I didn't care as much about retaining my memories of what I read at the time. Anyways, here's everything you guys apparently don't agree with:

Rewriting the Rules of the American Economy

The Current Rules:

Rewriting the rules:

These proposals aim to reduce inequality and improve economic performance by restructuring the rules shaping the economy. It’s a twofold approach: the first move is to tame rent-seeking behaviors that unduly reward those at the top while raising costs for the rest and reducing the efficiency and stability of the U.S. economy. The second part of our agenda seeks to restore the rules and institutions that ensure security and opportunity for the middle class.

Taming the top

Make markets competitive
-We need a 21st century competition law that recognizes that we have moved from a manufacturing to a service and knowledge economy, where different principles of competition are relevant. Restore balance to global trade agreements -Trade agreements written behind closed doors with the active participation of firms but no other stakeholders are failing to deliver the rules we need to manage globalization in a way that benefits all. -Businesses wishing to trade with businesses in the US under the terms of an agreement should be audited and certified by a credible, independent third party such as the International Labor Organization; certification then buys the company a right to trade under the preferential treatment of a trade agreement.
Control health care costs by allowing government bargaining
-Firms from across the health care industry have been allowed to consolidate and expand, reducing competition and raising prices. -By bargaining with drug companies for bulk purchases, the VA pays 40 percent lower prices for prescription drugs than typical market prices. -The federal government should establish a national prescription drug formulary, establishing the cost effectiveness for all prescription purchases covered under all public health insurance plans, not just those for veterans.
Rebalance the rules for bankruptcy by expanding coverage to homeowners and students
-Removing the special protections for derivatives in bankruptcy, a feature that benefits Wall Street but actually makes firms more risky as they rely more on these exotic instruments, is essential in reducing the excessive financialization of the economy. -Removing some of the most burdensome elements designed to make filing for bankruptcy harder will help individuals move on from the misfortunes that can happen throughout life. -A homeowners’ chapter 11, analogous to corporate chapter 11, would keep families in homes and give a fresh start to families overburdened with debt.
Fix the Financial Sector
-The financial sector isn’t doing what it’s supposed to: managing risk, allocating capital efficiently, intermediating between savers and investors, providing funds for investments and job creation, and running an efficient 21st century payments mechanism.
End “too big to fail”
-Banks that are so big that their failure will cause the entire economy to contract don’t need to internalize the costs of their failures and can reap huge benefits from risky bets. They have a perverse incentive to take on excess risk, knowing that should a problem arise they will be bailed out, with losses being borne by others. -Even when banks aren’t too big to fail, they can be too interlinked to fail: with excessive linkages the failure of one institution can lead to a cascade of other failures - stoppable only with a government bailout. That is why interlinkages need to be transparent and regulated. -The Financial Stability Oversight Council should assess large, systemically risky financial firms with an additional capital surcharge above what regulators currently assess under the Basel Accords in order to make failure less likely and more manageable. A surcharge would force banks to internalize the true cost of their risks and improve economic efficiency, while insulating taxpayers from the costs of failed institutions.
Regulate the shadow banking sector and end offshore banking
-Shadow banks are nonbank financial institutions that engage in lending by trading bonds and securities, often by bundling them through a process called securitization. -The SEC should reevaluate and expand on its recent ruling on money market mutual funds, whose vulnerabilities in the 2008 financial crisis sparked a panic. -The Federal Reserve must write clear rules outlining the government’s role in back-stopping the shadow banks. -There needs to be a re-examination of the extent to which shadow banks and offshore financial centers are used to end-run the regulations designed to ensure a safe and sound financial system.
Bring transparency to all financial markets
-Congress should expand the SEC’s mission, and require private equity and hedge funds to disclose holdings, returns, and fee structures. The SEC should provide additional regulatory scrutiny and investor advice on these deals. This will formalize their regulation, making it similar to mutual fund regulations; the competition that will follow from this price transparency will help reduce financial rents.
Reduce credit and debit card fees
-High consumer fees on credit and debit card transactions are one clear symptom of abuse of market power in the financial sector. -These fees are a monopoly rent on the country’s networked payments infrastructure.
Enforce rules with stricter penalties
-In the past decade there’s been a shift away from strict criminal enforcement of financial regulation. Fewer, if any, cases go to court. Instead the SEC and the Justice Department settle with favorable conditions, such as deferred prosecution agreements. Under these agreements, the parties regularly don’t admit to any wrongdoing, or even pay penalties commensurate to their benefits. No individual is held directly accountable. The fines that are paid come from shareholders and are tax deductible; the perpetrators of the offenses aren’t necessarily punished or made to give back the compensation they received as a reward for the extra profits generated by their illegal activities. -Firms promise not to repeat their offenses, but they usually do. -The SEC and other regulatory agencies should instead focus on more strict enforcement, and Congress should hold the agencies accountable if no progress is made. No company should be able to enter into a deal like a deferred prosecution agreement if it is already operating under such an agreement. These agreements should face stricter judicial review and scrutiny, and compensation schemes should be designed so that perpetrators face significant consequences - for instance, a clawback of bonuses and a reduction in retirement benefits.
Incentivize long-term business growth -The rules governing corporations and taxes on capital and top incomes have changed to favor short-term shareholders and CEOs who chase short-term stock price gains above all else. -This has led to greater inequality and has undermined real investments that create long-term growth.
Restructure CEO pay
-Adjust the tax code, which privileges compensation of executives through equity-heavy compensation, particularly stock options. -Eliminate or curtail the performance-pay loophole (by which stock options and other excessive CEO pay receives favorable treatment). This will both address executive pay being too high and discourage CEOs from behaving like financial speculators. -Maintain the $1 million cap on the deductibility of executive compensation reform, eliminate the exception for so-called performance pay, and expand these limits on deductibility to the highest paid executives in a company overall. -The SEC should require corporations to state the value of compensation in simple, easy to understand language. -There should be mandatory shareholder votes on executive compensation on an annual basis(footnote: our current Say-on-Pay rule is non-binding). Enact a financial transactions tax -Short-term financial transactions can contribute to economic volatility without providing any larger benefit to the economy as a whole. -A variant of financial transaction taxes are currently employed without negative consequence in vibrant financial centers like London and Hong Kong. -Congress should pass a financial transaction tax designed to encourage productive investment. Empower long-term stakeholders -There should be a surtax on short-term capital gains given the negative externality of the trading behavior incentivized. -To improve long-term management of corporations, workers must be given a say in corporate governance, specifically by including a representative of employees on the corporate board. -Those managing retirement accounts should be obligated to avoid all conflicts of interest and, especially in the case of worker pensions, ensure the corporations in which they invest act in a responsible way, with good corporate governance, an eye to long-term value, good labor policies, and sound environmental policies.
Rebalance the tax and transfer system
-The United States ranks among the least redistributive countries in the OECD. -Taxes can improve incentives, encourage socially desirable economic behavior, and discourage undesirable behavior like short-termism. -Over the past 35 years, changes to the tax code have prioritized tax cuts and subsidies focused on those at the top, placing a greater tax burden on the rest and causing neglect of critical public investments.
Raise the top marginal rate
-Lower marginal tax rates at the top distort the economy by actively encouraging rent seeking. -A 5 percent increase on the top 1 percent’s current income tax rate would raise between $1 trillion and $1.5 trillion of additional revenue over 10 years. -For an extra $50,000 taxed on every $1 million of a wealthy individual’s income, the United States could make all public college education free and fund universal pre-K.
Enact a “fair tax”
-The preferential treatment of capital gains and dividends - income received almost entirely by the richest Americans - is one of the most important reasons that those at the top pay less than ordinary taxpayers. -Most Americans earn negligible capital income outside already tax-sheltered retirement savings accounts or on home sales - for which a large exemption exists. -Capital gains tax breaks do not spur investment. They reward speculation as opposed to work. -The US should tax capital gains income at the same rate as labor income. -Short-term capital gains should be taxed at an even higher rate to discourage volatile short investments. -The provision for step-up in basis at death needs to be eliminated. This provision allows all of the capital gains earned during an individual’s life to escape taxation when the asset is bequeathed, meaning a small number of wealthy families pass on wealth free from capital gains tax in perpetuity.
Encourage U.S. investment by taxing corporations on global income
-The current tax code allows corporations to defer paying U.S. taxes on profits earned abroad until the profits are repatriated, which has the perverse effect of encouraging corporations to keep profits abroad as opposed to using the funds for U.S. investment. -One option is to replace the transfer price system with a formulaic approach that would tax firms on their global income in a fair and comprehensive way, apportioning those profits to the U.S. on the basis of the economic activity - including sales, production, and research - that occurs here.
Enact pro-growth, pro-equality tax policies
-We should tax things that have an inelastic supply, like land, oil, or other natural resources. -We should tax pollution (including carbon emissions), a move that can raise revenue while improving economic efficiency. -Eliminating agricultural subsidies and noncompetitive bidding processes for the sale or lease of government-owned natural resources or for the purchase of armaments or prescription drugs under public programs would improve efficiency and reduce inequality.

Growing the middle

Make full employment the goal
-The Fed should emphasize full employment as the goal of monetary policy, and Congress should enact a large infrastructure investment to stimulate growth.
Reform monetary policy to prioritize full employment
-The Fed’s prioritization of price stability has caused labor markets to remain slack, kept wages growing slower than productivity, and has brought down workers’ share of economic output. -Contractionary monetary policy has much stronger unemployment effects for low-wage and often minority workers than for the highest earners. -The Fed should resist raising interest rates until wage growth makes up for the lost ground of the Great Recession, even if this means allowing inflation to temporarily overshoot the 2% target. -There is growing consensus that a higher inflation rate will lead to better economic performance, facilitating adjustments in our highly dynamic and ever-changing economy.
Reinvigorate public investment
-Critical public investments today lay the foundation for long-term economic performance and job growth. -Public investments in education, technology, and infrastructure are complements to private investment, raising returns and thus “crowding in” such investments.
Invest in large-scale infrastructure renovation
-America’s failure to keep up what infrastructure it has makes it more costly to do business and for people to go about their daily lives, and leads to more wasted time and more environmental degradation. -Public transit and broadband play a crucial role in connecting all Americans, regardless of income level, with the 21st century local and global job market. -Not only is infrastructure crumbling, it’s unevenly distributed, with distinct areas and communities segregated from the rest of society and without the opportunities that connecting affords. -A comprehensive plan would provide investments in air, rail, and road transportation; public transit; ports and inland waterways; water and energy; and telecommunications and the Internet. Some estimates put the cost of such a project on the order of $4 trillion - well beyond the small sums currently debated but within our means. The investment would yield dividends in the form of more productive businesses, millions of new jobs, and sustainable management of our energy and environmental resources. -Public infrastructure banks could be useful for financing large infrastructure projects.
Expand access to public transportation
-Decades of disinvestment in U.S. infrastructure have resulted in high commuting costs that fall disproportionately on low- and middle-income families and decrease access to jobs. -Only a little over half of Americans have access to public transit. -If more people have better access to jobs, productivity will increase and lives will improve.

Empower workers

Strengthen the right to bargain
-The National Labor Relations Act is flawed. -One flaw in the statute has allowed employers to delay workers’ votes to unionize by litigating each step of the process. Recent rule changes issued by the National Labor Relations Board have attempted to rebalance some of the power, and they provide a positive example of how the statutes can be updated to reflect current challenges. -Stricter penalties are needed to deter illegal intimidation tactics by employers. -Companies seeking to prevent unionization can retaliate by firing workers; if an NLRA violation is found, the employer merely has to reinstate the worker and pay back wages. A ruling like this can take more than three years. -The legal framework should be amended to adapt to the changing nature of the workplace. Today, few employers resemble the large manufacturers the creators of the NLRA had in mind. Corporations like Walmart employ people through outsourcing and subcontracting, bearing little responsibility for the employment relationship. Legal scholars have envisioned new models for defining the employer-employee relationship that would establish clear lines of responsibility within the modern fissured workplace.
Have government set the standards
-State, local, and municipal governments should grant public contracts only to corporations that meet high labor standards and possess strong antidiscrimination/pro-inclusionary hiring practices.
Increase funding for enforcement and raise penalties for violating labor standards
-Charged with enforcing the minimum wage and overtime protections, the Wage and Hour Division of the Department of Labor has seen a third of its inspectors disappear since 1980, despite a doubling of the country’s workforce. -Congress should increase the agency’s budget to reflect growth in the labor market, the low-wage workforce in particular, and recent evidence of systemic wage theft. -Penalties for minimum wage and overtime infractions are insufficient to deter bad behavior. -Minimum wage and overtime violation convictions should pose an existential threat to businesses so managers and owners will think twice before engaging in such behavior.
Raise the minimum wage
-Raising the minimum wage is unlikely to hurt jobs, unless taken to an extreme. -Given the present weakness in aggregate demand, higher wages would stimulate the economy. -Raising the minimum wage could help reduce working poverty and particularly improve prospects for women, their families, and other disadvantaged groups that are disproportionately represented among minimum wage earners. -The minimum wage for tipped workers should be raised to the same floor that applies for all other workers.
Raise the income threshold for mandatory overtime
-The New Deal’s Fair Labor Standards Act requires that workers who work more than 40 hours a week get overtime pay, at a rate of 150 percent of their regularly hourly wage. However, the act exempts some employers, executives, administration, and traveling salespeople, among others. To provide a base level of coverage, the Department of Labor has periodically issued a rule that establishes an income threshold under which any employee must be paid for overtime. -The current threshold of $455 a week, or $23,660 a year, was last updated in 2004, and covers just 11 percent of the salaried workforce. In 1975, 65 percent of salaried workers were covered by overtime rules; if the 1975 threshold had kept pace with inflation, 47 percent of workers in 2013, rather than just 11 percent, would have received overtime. -The Department of Labor should raise the threshold to restore this pillar of middle class income, ensuring that the majority of salaried workers are covered.

Expand access to labor markets and opportunities for advancement

Reform the criminal justice system to reduce incarceration rates
-The United States has the highest incarceration rate in the world. -In addition to incurring direct costs, mass incarceration reduces employment opportunities and wages, and increases dependency on public assistance for a large share of the population. -The total public cost of incarceration was more than $31,000 per inmate in 2010, according to a study by the Vera institute. -Those who have been locked up end up facing lower hourly wages, annual employment, and annual earnings. This burden falls disproportionately on men of color. -In 2008 the US economy lost the equivalent of 1.5 to 1.7 million workers, or roughly a 0.8 to 0.9 percentage-point reduction in the overall employment rate. -Congress should reduce the burden ex-felons face when searching for jobs by expunging certain records after a set amount of time. -Mandatory minimum sentencing particularly targets people of color. -African-Americans and Latinos accounted for 69.8 percent of mandatory minimum sentences in 2010; tackling this issue will effectively reduce part of the inequality inherent in the nation’s sentencing rules. -Congress should allow judges the ability to waive mandatory minimums. -The DoJ should focus on encouraging alternatives to incarceration. -Inaccessibility to quality attorneys results in disproportionately harsh sentencing for the poorest. According to a report from the Brennan Center of Justice, a concerted effort to reclassify nonjailable offenses, increase public defense funding, and improve effectiveness through regular attorney and social worker training would ensure more equitable access to representation. -Onerous fees at every level of the criminal justice system generate severe financial burdens for the poor and create further points of entry back into the incarceration system.
Reform immigration law by providing a pathway to citizenship
-More than 11 million undocumented immigrants live and work in the shadows of the U.S. economy, in every corner of the country and every sector of work. -The broken immigration system is costly to businesses, who face risks of an uncertain labor supply. -Exploitation of undocumented immigrants drives down wages and working conditions throughout the labor market. -The federal government must provide a pathway to citizenship for those already here and simplify the process by which new migrants can continue to come and contribute to America’s economic success. -We should cease the deportation and internment of all but violent criminals and to normalize the legal status of families working, learning, and serving in America. -We should better coordinate the efforts of different parts of government to enforce immigration laws in ways that don’t undermine the conditions for people working here. ICE should take a back seat to the Department of Labor to ensure that unscrupulous employers cannot easily threaten workers with the prospect of deportation by calling in worksite raids. -Congress should ensure that labor laws apply to everyone, regardless of their documentation status.

Expand economic security and opportunity

Invest in early childhood through child benefits, home visiting, and pre-K
-The state run Maternal, Infant, and Early Childhood Home Visiting Program is one of the most effective investments of taxpayer dollars. -One proposal that should be considered is a universal child benefit, a monthly tax-free stipend paid to families with children under 18 to help offset part of the cost of raising kids. -The U.K. recently cut its child poverty rate by more than half through a package of anti-poverty measures, including a universal child benefit. -Congress could immediately expand funding to provide pre-K childcare subsidies to all currently eligible children, expanding access to 12 million children at a cost of $66.5 billion.
Increase access to higher education through more public financing, restructuring student loans, and increasing scrutiny of for-profit schools
-The G.I. Bill helped create the middle-class society that we had aspired to partly by providing free education to returning soldiers. -It’s not true that we can’t afford similar programs, we cannot afford not to ensure that all young Americans get the best education for which they are qualified so they can live up to their potential. -The government should look to follow the lead of Australia and adopt universal income-based repayment, in which repayment consists of a set percentage of future income. Students could then repay their student debts more easily - at much lower transactions costs - through withholding. -Removing bankruptcy protection for those with student loans, particularly in the 2005 policy change under the Bankruptcy Abuse Prevention and Consumer Protection Act, has done nothing to reduce bankruptcy filings resulting in costly defaults. It has extracted money from poor students that goes into the coffers of the banks. The government should restore those protections. -One way to improve outcomes for graduates is to increase scrutiny of for-profit schools, which receive a large share of government-funded loans or government-guaranteed loans while failing to provide students with a quality education. Eighty-seven percent of revenues at for-profits come from federal or state sources, including student loans and Pell grants. Though they teach around 10 percent of students, they account for about 25 percent of total Department of Education student aid program funds. Studies show that those at for-profit schools do poorly compared to those at community colleges. Completion rates are poor, as is success in getting a job.
Make health care affordable and universal
-The health care system is rife with the kinds of market failures that economists have studied extensively, including information asymmetries and imperfections in competition. -Hospitals, physician networks, and health care insurers increasingly operate in conditions approaching monopolies. -Patients largely have neither the medical expertise to perform the cost-benefit analyses necessary for making optimizing choices about the care they need, nor the access to price information for comparison shopping, leaving providers to determine both the demand and supply of health care. -Medicare, with its record of controlling costs and delivering better outcomes, should be opened to everyone. Competition from Medicare’s entry into the insurance exchange would lower premiums for everyone; one study found increased competition on exchanges could lower fees by an estimated 11 percent.
Increase retirement security by reducing transactions costs and the exploitation of retirees, and expanding Social Security
-More people in America will face retirement with inadequate savings, driving down their consumption and/or diverting it from others, or relying more heavily on social transfers. -Expanding the Social Security system to include a “public option” for additional annuity benefits would enhance competition, driving down costs and increasing services. -Research shows that the average 401(k) participant could lose up to a third of future savings in fees. Requiring fund managers to adhere to a fiduciary standard would be an important move in the right direction. -We could require that any pension or retirement account eligible for preferential tax treatment not have excessive transactions costs. Fees on any account could not exceed those on the best-performing indexed funds, unless there were demonstrably higher risk-adjusted returns. -We should remove the payroll cap that limits the amount of revenue Social Security raises to help make Social Security self-sustaining, budget-wise.
Reform political inequality
-Policies favored by the wealthy receive attention, while policy preferences of poor and middle-income Americans are ignored. -People with higher incomes vote more frequently than those with lower incomes and election campaign finance is dominated by a relatively small number of large donors who wield outsize influence. -Voting should be made easy: we should establish a federal system of universal voting that includes automatic voter registration, accepted throughout the country without the need to reregister and without burdensome voter identification requirements; the ability to vote by mail or early in-person on multiple days; the establishment of weekend Election Days or a national election holiday; and online voting when cyber-security concerns are met. -A constitutional amendment could go a long way toward allowing Congress greater leeway to reform campaign finance laws to increase political equality. -We could require shareholders to vote in support of any political contributions before they can be made.
This post is almost as long as Reddit allows, so nice job reading all of this if you have. Now, what's all the disagreement about? How is Stiglitz wrong?
submitted by Skeeh to neoliberal [link] [comments]

Let’s Not Be a Drama Queen About This: Recap of Before the 90 Days S04E07

Welcome to another recap of Before the 90 Days: The Season Where No One is Dating. First off, if you’re watching Geoffrey’s segment, your safe word is “orange”. If that doesn’t work, please lock yourself in a panic room and wait there until the Avengers arrive. If you hear one voice say, “No really, this is totally the Avengers” do not open the door. Or maybe just social-distance yourself from this whole fucking storyline, because we should not be observing this human stain.
Let’s turn our attention to prisoner of war Usman, busy filming a real life version of Get Out. You know it’s bad when the con artist seeking green card access to bolster a floundering hip hop career is the protagonist. I haven’t felt this awkward since last season of Vanderpump Rules when I was forced to defend James Kennedy. Anyway, Baby-Girl Lisa still hasn’t successfully harvested his essence to maintain control over the Dark Crystal, and Usman threatens to throw a wrench into her plans with a daring escape in the trunk of his friend’s car. Then he realizes he left his phone in the hotel room, and it’s got the lyrics to “Dabbing” on it, so he’s forced to return, to face Lisa losing the mind she never had.
She declares that he’s been absent for 30 minutes and she’s upset …which would have also been the case if he were gone for five minutes, or not at all, or if he went to the bathroom unsupervised, or put on his right shoe before his left one, or stood up too quickly or not fast enough. This time, Lisa’s argument is that she was “scared’ to be left alone (with producers in a hotel room). Annoyed with this never-ending wheel of complaint, Usman declares that he can’t win with her. Then BGL cuts him down with “Let’s not be a drama queen about this.” That’s right kids, all aboard the Gaslight Express, where the person reacting to the drama is the drama queen — not the person perpetually creating it. Would someone please take this man’s photo so he can restore his spirit to his body with the flash? GET OUT GET OUT GET OUT!
She continues to stitch a verbal quilt of grievances, while noting how irrelevant Usman’s points are, and looking like she’s ready to start filming her episode of Intervention. Usman slowly realizes that Lisa is unlikely to have an adult conversation with his mother, let alone a respectful one, and he may not be able to salvage his Nigerian hip hop career, let alone forge one in the US of A. He goes outside and admits to the producers that he may have reached his breaking point, and would like to know if they have some kind of relocation program. This is not what Lisa expects from a prisoner, and she informs the producers that “the man who left here is not the man I abducted.”
Usman returns at 2AM to sit in an adjacent room and not talk to Lisa, making half of his wildest dreams come true. He lights up a hookah and considers how he has this “wonderful opportunity” to go to the states, and it might be too much to pretend to like Lisa long enough to get a green card. The producers ask him how he’s doing, and he says that anything he does is not enough, and before he can answer further BGL groans her way into the room.
“Nobody’s perfect. You need to make up your mind and make it up quick,” She declares, because that makes sense. He attempts to confront her, and states that he’s always respected her, and she insults him. And if it’s this bad in Nigeria, what’s it going to be like when she submerges him in preservative gel in the United States? “You’re very insecure about this relationship,” Lisa mumbles.
Usman says that yes, he is, that’s the truth. Then Lisa unfurls her scroll of half-assed excuses, including that the whole trip has been stressful, that there’s a five hour time difference, that she’s in this hotel room that bests the average Idaho haunt but is beneath her, and it’s a day of the week that ends in y, and he should know how she feels about that. Then she says she wants to “close it up” which is the closest Usman is going to get to an apology. For whatever reason, Usman decides that this will do, and later Lisa expresses concerns about returning to the US alone, and declares “ it will destroy both of us.” By this she means she’ll be forced to rework the plot into something that ends with her saucy finger, and will leak the unedited version of Usman’s “I Love You” video, because that’ll teach him.
Speaking of horror movies, let’s stop by Silence of the Lambs to visit Creepy Ed, who puts the lotion on the skin or else it gets the hose again. Rose has made the unfortunate mistake of returning to their shared hotel room, where he hands her a robe and tells her to take a bath, then forces champagne on her, and says he’s going to rub her feet. Note that he didn’t ask her if she was interested in any of these things. Ed considers this “showing how romantic he can be” while the rest of us call this “reasons to run out of the room with your shoes in your hand the minute he goes to the bathroom.” As she gets comfortable because he told her to, Big Nightmare declares he’s “staring at her feet and not her pajamas,” and I’m staring into the deep black abyss, hunting for a portal to escape this. Friends, this is it: the Most Cringe Scene in 90DF History. There’s not even any competition. This is the Citizen Kane of cringe.
“It rubs the lotion on its skin. It does this whenever its told,” Ed declares, with “Goodbye Horses” softly playing in the background.
“Please let me out,” Rose cries.
Since Rose is recoiling in a manner obvious to anyone who isn’t an incel, Ed seizes the opportunity to ask her for a kiss. She says on her cheek or the end of her fist after a wind up, whatever he prefers. He asks for “the middle” which she assumes means the forehead. He kisses her on the cheek, and then brow beats her into kissing him on the mouth. She gets it over with as quickly as possible, and Ed declares that it was “nice” and Jesus Christ, someone put a collar on this beast.
“Would you fuck me? I’d fuck me,” Ed explains (“Goodbye horses, I’m flying over you…”.)
“Is this called coercion in United States?” Rose asks.
“It puts the lotion in the fucking basket!”
The next morning it appears Rose has finally succumbed to his ridiculous advances, and seems cool with it. She declares a hatred for his under-the-bridge beard, and Ed notes that she has hairy legs, which he finds “gross,”and asks her to shave them to best match his blow-up doll ideal. This is rich coming from someone with a greasy mop of Clairol for Mayo dangling in his face. Soon I’ll kick off a GoFundMe to buy Rose a full-body merkin to insulate her lady flesh from Ed’s Rumpelstiltskin mitts. For now, she goes in for the shave and Ed ditches the beard, and I long for the Wookie days of yore.
Later he heads to Rose’s house to act like a goon around a larger audience. He takes a three hour cab ride to her village, where he is shocked to discover that the Philippines is like the Philippines. First he meets Rose’s son Prince, who initially seems confused, and then declares “daddy!” And embraces him. Big Ed isn’t sure how he feels about being a father again at 54, but he’s totally okay with dating a child. Ed is also uneasy about meeting Rose’s sister Maria, because she hit up Ed for cash. Once Maria meets Ed, she realizes she should have asked for more.
The family is waiting with a little surprise party, and Ed meets Rose’s other two sisters and a brother-in-law. When they ask what he thinks, he wants to know where the windows are, and if he should worry about getting rabies from wayward bats or cockroaches, because he’s heard both things are attracted to the scent of canola oil. Seriously: why can’t anyone on this show make a polite comment to the family except Angela? How hard is it to say, “Well I bet you have a great view of the stars!”
Rose’s family has a nice set of dishes arranged for dinner, including fish, chicken, rice, and the silky gravy of Ed’s back sweat. He asks for something to drink, while they marvel at the river running down his face, and we learn her father is running late because he’s busy at the pig farm, which also sounds suspiciously poor to Ed. When Father arrives he’s quiet, contemplating that his daughter is hoping to marry someone older than himself, who is pushing his food around his plate, and calling a chicken like a dog to feed it from the table. Rose’s father wants to know if Ed knows the difference between dinner and a dog, and then asks what Ed’s intentions are, other than getting on his damn nerves. Ed declares, “I want to get to know your daughter, no games.” Sure, Prince is already calling him “daddy,” but wouldn’t want to create strange expectations by suggesting marriage post-coitus, amirite?
Ed declares that now that he’s seen the depth of their poverty, he worries that he’s just a meal ticket to Rose, and not the man of her dreams, even though he’s after Rose for specific things himself. I mean, a lot of 19 year old women are just jonesing for a controlling, anxiety-riddled man who hasn’t had sex in 28 years to fulfill their hobbit kink, so he has a right to be choosey. It’s important for her to love him like Rose loved Jack in the Titanic, even if Ed can’t draw anything and would demand to be the only body on that floating door, and she’s the only person to consider him king of any world.
Meanwhile, Tom continues his crusade to come off as a sympathetic character by making sad eyes from his good angle for the camera. As he pieces together one of his predictably boring outfits, he says he hopes they can have a conversation and attack the problem and not the person, but admits that he doesn’t care about attacking the person if the person is Darcey and not himself.
He situates himself to await her arrival, while Darcey enters the joint with a Beyoncé track in her head, and dumps her 16 changes of clothing on an unsuspecting hostess who has questions. Then she struts. Her. Shit. This is officially the first time Darcey has donned an outfit that isn’t from her signature Midlife Crisis line, and that jumpsuit is the fuck-you jam, and I want it for my next dramatic public fight with a future ex. She greets him as “Thomas” and passes on the affectionate greeting in favor of a handshake, before settling in for some gold medal passive aggression.
Tom: I’m nervous. Because I’m full of shit.
Darcey: No need. It’s just me. That’s called constipation, Tom.
Tom: How was Malta? If I had talked to you sometime in the last six weeks, I might know the answer to this question.
Darcey: It was nice to spend it with Stace. Thank you for the birthday…text. You said you were going to call or video call, I waited that whole day…but it’s okay. I know you’re a dick.
Tom: What actually happened to us? I’m going to act like what happened isn’t me going balls deep in another chick and bragging about it on instagram.
Darcey: I don’t know, but you must not know about me, you must not know about me. Should I say it twice? That’s kinda weird. It sounded better in my head.
Hannibal Lector: Cut him on the bias, Clarice. Serve him with a nice Chianti.
Tom goes on to say that she “was” this lovely woman, but has very specific things she wants, and she’s really not there for him, because she’s preoccupied with selecting the right filters for her twirling face-angle shots on instagram. He insists that Darcey never lets him talk during the conversations they don’t have, while a waiter with bad timing regrets his water glass decisions, and knows his tip is going to be bullshit. Darcey’s not having it, and knows he’s rerouting the events of the last six months to be about her doing something wrong, so she wants to know what his secret is, and talks to him in a soothing voice that is WAY more terrifying than mad Darcey.
“What do you want to hear?” Tom asks, because he’s still determined to make this about how out of control and unreasonable Darcey is, what with her fancy wanting interaction and silly expectations that he wouldn’t start another relationship before breaking it off with her.
“Tell her she’s insecure,” Baby Girl Lisa advises.
Darcey says she knows about the other woman he’s been posing with in stilted thigh-grab photographs, and Tom says that he met this person three weeks ago, and her name is Shannon, and he was hoping to get some exit sex. Since that doesn’t seem to be working out, he goes with, “I met someone who loves me the way I want to be loved. In three weeks.” Then what the fuck are you doing there, dude? He says, “You had everything of me in your hands, and you didn’t see it. And it was hard to listen to the Jesse thing all the time, when I was busy thinking about other people I planned to bang.” Since this isn’t already ridiculous enough, he says he’s not her notion of love, and that he loves her like a sister he wants to have sex with. Darcey thinks about what this means for her and Stacey, while Tom says he wants to be her friend.
Darcey nixes that bullshit, and says she doesn’t want to be friends. Then Tom tells her to “try not to ruin the next” relationship, and it’s easier to get through this scene if you imagine Tom has a diseased ballsack for a chin, which isn’t far off. He lets Darcey pay for his coffee, and continues throwing his Chex Mix on the floor by saying it’s a weight off of him, and when Darcey tells him to enjoy his life, he responds, “I will now that you’re not in it.” That twice a year interaction was really bringing him down before.
Tom tells the producers that he showed up to see if anything was still there, and because he wanted to be on camera one more time, and because he wanted to have sex with Darcey’s smother-titties before returning to the safety of Shannon’s thigh. Darcey is over this shit, and is ready to watch the baseball bat video with Beyoncé is a yellow dress, breaking stuff.
It’s time to revisit the platonic romantic relationship of Erika and Stephanie. As she stated last week, Stephanie is “waiting” to have sex until she’s actually bisexual, so Erika should start checking out social-distancing hers and hers nursing homes right now. Erika got to know Stephanie as someone with a risqué, fun, and sexual online persona, and she incorrectly assumed that Stephanie would clue her in if her real self didn’t match that presentation. With this in mind, Erika is certain Steph will love her big date surprise: a little artsy neon-lit joint where the last Rockabilly chick in an updo coaches women through the wet wrap construction of boob molds! Is this a thing so one day they can look back fondly on the time their tits weren’t smacking against their knees, or to create a decorative dinner mint container? I want to surprise a friend who will hate me afterwards with this, or arrive with just my cat and wide eyes and my own set of decorative paints. Or maybe I will wake up my partner tomorrow by hovering over him with a jar of plaster while whispering, “it’s time to preserve me.”
Stephanie doesn’t like this because she is wrong, and this is her first time seeing her own breasts outside of the internet. So she sits there awkwardly while everyone has their guns out for a showdown at the double-d corral, wondering why the fuck Erika didn’t see fit to, you know, ask if she wanted to have her tits in the air. All snark aside, I’m siding with Stephanie on this one. Choosing to explore the wonders of titty molds is one thing; arriving at a surprise titty shakedown is another, especially when this doubles as the debut fondling experiment. Something tells me Erika was hoping this would lead to The Sex. This is very Ed of you, Erika. But your fried egg overalls are still amazing.
Anyway, Stephanie decides to play along, and shakes the boxes of medication out of her bra to brace for breast spackle. The other titty sisters preserving their boobage opt to engage, which they will soon regret, and they ask about their relationship, and whether one of them intends to relocate to keep their romance warm. Stephanie, who is pissed off enough that she’s looking for anything to inspire grenade lobbing at Erika, says that she doesn’t think it will last very long if they’re not in the same place. Erika reminds her that she’s a photographer, and already has weddings booked that she needs to complete before moving to another country. Plus, she hears there’s a great plague coming that will leave us all under house arrest indefinitely. Also: it’s day 2. Maybe slow down on a borderline ultimatum. Erika then expresses confusion that on one hand Stephanie is very eager for their relationship to be set in stone, and on the other doesn’t want to have sex with her when they’re working with a tight three-week timeline.
“Is this coercion?” Rosemarie asks.
“Sort of,” Erika reluctantly admits. “I’m hoping it won’t count because I’m bisexual.”
“Still creepy though, and I KNOW creepy,” Ed is there with the confirmation.
Later on they ready themselves for a date, which is really a set-up so Stephanie can interrogate Erika about having a dating app on her phone. Other people would, you know, ask about the app the minute it was spotted, but the cameras weren’t there and this storyline needs Stephanie’s extensions.
Stephanie kicks things off by stating her intentions to take Erika to a nice dinner, and gives Erika a cute tiara headband thing to wear on their date. Once they’ve settled into their table and the thought of romance has dared to enter Erika’s head, Stephanie brings up the “boobie papier mache” and thinks a lot of people get the wrong impression of her, based on what she’s shown and told them. Then Steph demands to know what’s up with the app, and if Erika’s dated anyone else in the four months they’ve been thousands of miles apart. Erika says that she hasn’t and isn’t, but keeps it going for the networking side of things, and by networking she means dicks and vaginas under glass, which are useful in event of emergency.
Stephanie asks if she’d be open to deleting it, so Erika does it, but is annoyed that Stephanie doesn’t trust her and this action is required, and she hasn’t even had any swindle cake yet. Stephanie says the app just makes her uncomfortable, to which an exasperated Erika declares, “Everything makes you uncomfortable!” She says that Steph sold herself as free spirited and then arrived operating with the assumption that presents grant her the right to control her. 87% of the 90DF cast is miffed by this suggestion, and so is Stephanie. Erika takes off Stephanie’s tiara mind control device and storms off, and we get a good look at the extension cords and a sad drain on the floor when they chase after Erika while Stephanie fake cries at the table.
For some reason the producers are still entertaining the Yolanda story, which features her unwavering commitment to displaying total ignorance of British accents, despite the ability to pull up a two minute video on Youtube that would clarify this madness. Yolanda’s daughter notes that Williams appears to have a Nigerian name, address, phone number, accent, and passport, and the caps lock text he sent her reading, “HI I’M NIGERIAN” is a little suspicious. Yolanda is flummoxed, because he lives in Manchester and looks like an underwear model, and why would anyone lie about that? No one is this stupid. Stop it, 90DF. This makes Nicole’s insistence that Azan isn’t already married look convincing. Are there no actual relationships in the queue?
Later, she spends a few days trying to get a hold of him, before she receives an email threatening to release nudes she sent Williams if she doesn’t send money. Kinda like the money Williams asked her to send so he could travel to Vegas. Yolanda thinks this might be part of a rogue hacking operation, scouring the internet for instagram accounts to delete. She needs him to be real so desperately, and I’d feel sorry for her if this wasn’t already outed as an act, and I suspect she made up the email address herself and sent the threat to stretch out her screen time. Have we seen any relationship with Williams up until this point? Other than a string of heart emojis?
Finally, we’ve got Avery and Ash. They’re prepping for a three day trip to the other side of Australia, which Avery doesn’t see as a vacation, because she’s here to get answers about Ash, and you can’t possibly learn about someone by whether or not you’re capable of having fun with them.
“I have an opinion about this,” Erika interjects.
Avery is suspicious because of the shady behavior of Ash’s brother, who at dinner didn’t seem to support Ash’s statement about how easy it would be to take his child away from his mother to live in another country, permanently. Determined to not fall into the dicksand, Avery intends to confront him. They drive down into the country and Avery marvels at the beauty, before they stop in a pretty spot to have a picnic with Ash’s flower shop commitments on full display.
Ash: Yes, I am hearing you, and I am seeing you, and I think it’s good that you have words.
Avery: You’re giving me a rehearsed response. I think you’re sugarcoating the complexities of bringing Taj to America with you. Your brother didn’t seem convinced this would be as easy as you said.
Ash: This is communication, and it is open and honest and from a heart-centered place. I am confident that we can reach a positive outcome in these endeavors, if we continue to co-exist on this plane.
Avery: For fuck’s sake, I get that you’re trying to be positive, but living on planet earth means we’ve got to shovel some shit every once in awhile. Give me a truth bomb.
Ash: I’m afraid the complexity of this will cause you to bail, since you’ve previously dumped my ass. Also, here is some more jargon to plow over that rare moment of honesty, and to speed past the notion of what my ex-wife might have actually said about all this.
Avery: I need to talk to your ex-wife.
Ash: Oh damn.
Next week, Ed is shocked to learn that he’ll be sharing a room with another 54 year-old when he flew in for 19, David walks around Ukraine yelling Lana’s name and putting up missing-person posters, Ash is afraid of his ex-wife talking in plain English to Avery, and Erika is slowly wilting in the face of Stephanie’s highly developed control issues that already dominate their sexless union. Oh, and Darcey is flummoxed as to why Tom had to see her in person to humiliate her on TV, but she’s glad she got to wear that sick outfit, and for fuck’s sake will someone who actually wants to be in an instagram relationship hit her up and work out a hashtag with her already? Fuck!
Thank you, Patreon supporters, my lovely quarantine companions!
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Let’s Not Be a Drama Queen About This: Recap of Before the 90 Days, S04E07

Welcome to another recap of Before the 90 Days: The Season Where No One is Dating. First off, if you’re watching Geoffrey’s segment, your safe word is “orange”. If that doesn’t work, please lock yourself in a panic room and wait there until the Avengers arrive. If you hear one voice say, “No really, this is totally the Avengers” do not open the door. Or maybe just social-distance yourself from this whole fucking storyline, because we should not be observing this human stain.
Let’s turn our attention to prisoner of war Usman, busy filming a real life version of Get Out. You know it’s bad when the con artist seeking green card access to bolster a floundering hip hop career is the protagonist. I haven’t felt this awkward since last season of Vanderpump Rules when I was forced to defend James Kennedy. Anyway, Baby-Girl Lisa still hasn’t successfully harvested his essence to maintain control over the Dark Crystal, and Usman threatens to throw a wrench into her plans with a daring escape in the trunk of his friend’s car. Then he realizes he left his phone in the hotel room, and it’s got the lyrics to “Dabbing” on it, so he’s forced to return, to face Lisa losing the mind she never had.
She declares that he’s been absent for 30 minutes and she’s upset …which would have also been the case if he were gone for five minutes, or not at all, or if he went to the bathroom unsupervised, or put on his right shoe before his left one, or stood up too quickly or not fast enough. This time, Lisa’s argument is that she was “scared’ to be left alone (with producers in a hotel room). Annoyed with this never-ending wheel of complaint, Usman declares that he can’t win with her. Then BGL cuts him down with “Let’s not be a drama queen about this.” That’s right kids, all aboard the Gaslight Express, where the person reacting to the drama is the drama queen — not the person perpetually creating it. Would someone please take this man’s photo so he can restore his spirit to his body with the flash? GET OUT GET OUT GET OUT!
She continues to stitch a verbal quilt of grievances, while noting how irrelevant Usman’s points are, and looking like she’s ready to start filming her episode of Intervention. Usman slowly realizes that Lisa is unlikely to have an adult conversation with his mother, let alone a respectful one, and he may not be able to salvage his Nigerian hip hop career, let alone forge one in the US of A. He goes outside and admits to the producers that he may have reached his breaking point, and would like to know if they have some kind of relocation program. This is not what Lisa expects from a prisoner, and she informs the producers that “the man who left here is not the man I abducted.”
Usman returns at 2AM to sit in an adjacent room and not talk to Lisa, making half of his wildest dreams come true. He lights up a hookah and considers how he has this “wonderful opportunity” to go to the states, and it might be too much to pretend to like Lisa long enough to get a green card. The producers ask him how he’s doing, and he says that anything he does is not enough, and before he can answer further BGL groans her way into the room.
“Nobody’s perfect. You need to make up your mind and make it up quick,” She declares, because that makes sense. He attempts to confront her, and states that he’s always respected her, and she insults him. And if it’s this bad in Nigeria, what’s it going to be like when she submerges him in preservative gel in the United States? “You’re very insecure about this relationship,” Lisa mumbles.
Usman says that yes, he is, that’s the truth. Then Lisa unfurls her scroll of half-assed excuses, including that the whole trip has been stressful, that there’s a five hour time difference, that she’s in this hotel room that bests the average Idaho haunt but is beneath her, and it’s a day of the week that ends in y, and he should know how she feels about that. Then she says she wants to “close it up” which is the closest Usman is going to get to an apology. For whatever reason, Usman decides that this will do, and later Lisa expresses concerns about returning to the US alone, and declares “ it will destroy both of us.” By this she means she’ll be forced to rework the plot into something that ends with her saucy finger, and will leak the unedited version of Usman’s “I Love You” video, because that’ll teach him.
Speaking of horror movies, let’s stop by Silence of the Lambs to visit Creepy Ed, who puts the lotion on the skin or else it gets the hose again. Rose has made the unfortunate mistake of returning to their shared hotel room, where he hands her a robe and tells her to take a bath, then forces champagne on her, and says he’s going to rub her feet. Note that he didn’t ask her if she was interested in any of these things. Ed considers this “showing how romantic he can be” while the rest of us call this “reasons to run out of the room with your shoes in your hand the minute he goes to the bathroom.” As she gets comfortable because he told her to, Big Nightmare declares he’s “staring at her feet and not her pajamas,” and I’m staring into the deep black abyss, hunting for a portal to escape this. Friends, this is it: the Most Cringe Scene in 90DF History. There’s not even any competition. This is the Citizen Kane of cringe.
“It rubs the lotion on its skin. It does this whenever its told,” Ed declares, with “Goodbye Horses” softly playing in the background.
“Please let me out,” Rose cries.
Since Rose is recoiling in a manner obvious to anyone who isn’t an incel, Ed seizes the opportunity to ask her for a kiss. She says on her cheek or the end of her fist after a wind up, whatever he prefers. He asks for “the middle” which she assumes means the forehead. He kisses her on the cheek, and then brow beats her into kissing him on the mouth. She gets it over with as quickly as possible, and Ed declares that it was “nice” and Jesus Christ, someone put a collar on this beast.
“Would you fuck me? I’d fuck me,” Ed explains (“Goodbye horses, I’m flying over you…”.)
“Is this called coercion in United States?” Rose asks.
“It puts the lotion in the fucking basket!”
The next morning it appears Rose has finally succumbed to his ridiculous advances, and seems cool with it. She declares a hatred for his under-the-bridge beard, and Ed notes that she has hairy legs, which he finds “gross,”and asks her to shave them to best match his blow-up doll ideal. This is rich coming from someone with a greasy mop of Clairol for Mayo dangling in his face. Soon I’ll kick off a GoFundMe to buy Rose a full-body merkin to insulate her lady flesh from Ed’s Rumpelstiltskin mitts. For now, she goes in for the shave and Ed ditches the beard, and I long for the Wookie days of yore.
Later he heads to Rose’s house to act like a goon around a larger audience. He takes a three hour cab ride to her village, where he is shocked to discover that the Philippines is like the Philippines. First he meets Rose’s son Prince, who initially seems confused, and then declares “daddy!” And embraces him. Big Ed isn’t sure how he feels about being a father again at 54, but he’s totally okay with dating a child. Ed is also uneasy about meeting Rose’s sister Maria, because she hit up Ed for cash. Once Maria meets Ed, she realizes she should have asked for more.
The family is waiting with a little surprise party, and Ed meets Rose’s other two sisters and a brother-in-law. When they ask what he thinks, he wants to know where the windows are, and if he should worry about getting rabies from wayward bats or cockroaches, because he’s heard both things are attracted to the scent of canola oil. Seriously: why can’t anyone on this show make a polite comment to the family except Angela? How hard is it to say, “Well I bet you have a great view of the stars!”
Rose’s family has a nice set of dishes arranged for dinner, including fish, chicken, rice, and the silky gravy of Ed’s back sweat. He asks for something to drink, while they marvel at the river running down his face, and we learn her father is running late because he’s busy at the pig farm, which also sounds suspiciously poor to Ed. When Father arrives he’s quiet, contemplating that his daughter is hoping to marry someone older than himself, who is pushing his food around his plate, and calling a chicken like a dog to feed it from the table. Rose’s father wants to know if Ed knows the difference between dinner and a dog, and then asks what Ed’s intentions are, other than getting on his damn nerves. Ed declares, “I want to get to know your daughter, no games.” Sure, Prince is already calling him “daddy,” but wouldn’t want to create strange expectations by suggesting marriage post-coitus, amirite?
Ed declares that now that he’s seen the depth of their poverty, he worries that he’s just a meal ticket to Rose, and not the man of her dreams, even though he’s after Rose for specific things himself. It’s important for her to love him like Rose loved Jack in the Titanic, even if Ed can’t draw anything and would demand to be the only body on that floating door, and she’s the only person to consider him king of any world.
Meanwhile, Tom continues his crusade to come off as a sympathetic character by making sad eyes from his good angle for the camera. As he pieces together one of his predictably boring outfits, he says he hopes they can have a conversation and attack the problem and not the person, but admits that he doesn’t care about attacking the person if the person is Darcey and not himself.
He situates himself to await her arrival, while Darcey enters the joint with a Beyoncé track in her head, and dumps her 16 changes of clothing on an unsuspecting hostess who has questions. Then she struts. Her. Shit. This is officially the first time Darcey has donned an outfit that isn’t from her signature Midlife Crisis line, and that jumpsuit is the fuck-you jam, and I want it for my next dramatic public fight with a future ex. She greets him as “Thomas” and passes on the affectionate greeting in favor of a handshake, before settling in for some gold medal passive aggression.
Tom: I’m nervous. Because I’m full of shit.
Darcey: No need. It’s just me. That’s called constipation, Tom.
Tom: How was Malta? If I had talked to you sometime in the last six weeks, I might know the answer to this question.
Darcey: It was nice to spend it with Stace. Thank you for the birthday…text. You said you were going to call or video call, I waited that whole day…but it’s okay. I know you’re a dick.
Tom: What actually happened to us? I’m going to act like what happened isn’t me going balls deep in another chick and bragging about it on instagram.
Darcey: I don’t know, but you must not know about me, you must not know about me. Should I say it twice? That’s kinda weird. It sounded better in my head.
Hannibal Lector: Cut him on the bias, Clarice. Serve him with a nice Chianti.
Tom goes on to say that she “was” this lovely woman, but has very specific things she wants, and she’s really not there for him, because she’s preoccupied with selecting the right filters for her twirling face-angle shots on instagram. He insists that Darcey never lets him talk during the conversations they don’t have, while a waiter with bad timing regrets his water glass decisions, and knows his tip is going to be bullshit. Darcey’s not having it, and knows he’s rerouting the events of the last six months to be about her doing something wrong, so she wants to know what his secret is, and talks to him in a soothing voice that is WAY more terrifying than mad Darcey.
“What do you want to hear?” Tom asks, because he’s still determined to make this about how out of control and unreasonable Darcey is, what with her fancy wanting interaction and silly expectations that he wouldn’t start another relationship before breaking it off with her.
“Tell her she’s insecure,” Baby Girl Lisa advises.
Darcey says she knows about the other woman he’s been posing with in stilted thigh-grab photographs, and Tom says that he met this person three weeks ago, and her name is Shannon, and he was hoping to get some exit sex. Since that doesn’t seem to be working out, he goes with, “I met someone who loves me the way I want to be loved. In three weeks.” Then what the fuck are you doing there, dude? He says, “You had everything of me in your hands, and you didn’t see it. And it was hard to listen to the Jesse thing all the time, when I was busy thinking about other people I planned to bang.” Since this isn’t already ridiculous enough, he says he’s not her notion of love, and that he loves her like a sister he wants to have sex with. Darcey thinks about what this means for her and Stacey, while Tom says he wants to be her friend.
Darcey nixes that bullshit, and says she doesn’t want to be friends. Then Tom tells her to “try not to ruin the next” relationship, and it’s easier to get through this scene if you imagine Tom has a diseased ballsack for a chin, which isn’t far off. He lets Darcey pay for his coffee, and continues throwing his Chex Mix on the floor by saying it’s a weight off of him, and when Darcey tells him to enjoy his life, he responds, “I will now that you’re not in it.” That twice a year interaction was really bringing him down before.
Tom tells the producers that he showed up to see if anything was still there, and because he wanted to be on camera one more time, and because he wanted to have sex with Darcey’s smother-titties before returning to the safety of Shannon’s thigh. Darcey is over this shit, and is ready to watch the baseball bat video with Beyoncé is a yellow dress, breaking stuff.
It’s time to revisit the platonic romantic relationship of Erika and Stephanie. As she stated last week, Stephanie is “waiting” to have sex until she’s actually bisexual, so Erika should start checking out social-distancing hers and hers nursing homes right now. Erika got to know Stephanie as someone with a risqué, fun, and sexual online persona, and she incorrectly assumed that Stephanie would clue her in if her real self didn’t match that presentation. With this in mind, Erika is certain Steph will love her big date surprise: a little artsy neon-lit joint where the last Rockabilly chick in an updo coaches women through the wet wrap construction of boob molds! Is this a thing so one day they can look back fondly on the time their tits weren’t smacking against their knees, or to create a decorative dinner mint container? I want to surprise a friend who will hate me afterwards with this, or arrive with just my cat and wide eyes and my own set of decorative paints. Or maybe I will wake up my partner tomorrow by hovering over him with a jar of plaster while whispering, “it’s time to preserve me.”
Stephanie doesn’t like this because she is wrong, and this is her first time seeing her own breasts outside of the internet. So she sits there awkwardly while everyone has their guns out for a showdown at the double-d corral, wondering why the fuck Erika didn’t see fit to, you know, ask if she wanted to have her tits in the air. All snark aside, I’m siding with Stephanie on this one. Choosing to explore the wonders of titty molds is one thing; arriving at a surprise titty shakedown is another, especially when this doubles as the debut fondling experiment. Something tells me Erika was hoping this would lead to The Sex. This is very Ed of you, Erika. But your fried egg overalls are still amazing.
Anyway, Stephanie decides to play along, and shakes the boxes of medication out of her bra to brace for breast spackle. The other titty sisters preserving their boobage opt to engage, which they will soon regret, and they ask about their relationship, and whether one of them intends to relocate to keep their romance warm. Stephanie, who is pissed off enough that she’s looking for anything to inspire grenade lobbing at Erika, says that she doesn’t think it will last very long if they’re not in the same place. Erika reminds her that she’s a photographer, and already has weddings booked that she needs to complete before moving to another country. Plus, she hears there’s a great plague coming that will leave us all under house arrest indefinitely. Also: it’s day 2. Maybe slow down on a borderline ultimatum. Erika then expresses confusion that on one hand Stephanie is very eager for their relationship to be set in stone, and on the other doesn’t want to have sex with her when they’re working with a tight three-week timeline.
“Is this coercion?” Rosemarie asks.
“Sort of,” Erika reluctantly admits. “I’m hoping it won’t count because I’m bisexual.”
“Still creepy though, and I KNOW creepy,” Ed is there with the confirmation.
Later on they ready themselves for a date, which is really a set-up so Stephanie can interrogate Erika about having a dating app on her phone. Other people would, you know, ask about the app the minute it was spotted, but the cameras weren’t there and this storyline needs Stephanie’s extensions.
Stephanie kicks things off by stating her intentions to take Erika to a nice dinner, and gives Erika a cute tiara headband thing to wear on their date. Once they’ve settled into their table and the thought of romance has dared to enter Erika’s head, Stephanie brings up the “boobie papier mache” and thinks a lot of people get the wrong impression of her, based on what she’s shown and told them. Then Steph demands to know what’s up with the app, and if Erika’s dated anyone else in the four months they’ve been thousands of miles apart. Erika says that she hasn’t and isn’t, but keeps it going for the networking side of things, and by networking she means dicks and vaginas under glass, which are useful in event of emergency.
Stephanie asks if she’d be open to deleting it, so Erika does it, but is annoyed that Stephanie doesn’t trust her and this action is required, and she hasn’t even had any swindle cake yet. Stephanie says the app just makes her uncomfortable, to which an exasperated Erika declares, “Everything makes you uncomfortable!” She says that Steph sold herself as free spirited and then arrived operating with the assumption that presents grant her the right to control her. 87% of the 90DF cast is miffed by this suggestion, and so is Stephanie. Erika takes off Stephanie’s tiara mind control device and storms off, and we get a good look at the extension cords and a sad drain on the floor when they chase after Erika while Stephanie fake cries at the table.
For some reason the producers are still entertaining the Yolanda story, which features her unwavering commitment to displaying total ignorance of British accents, despite the ability to pull up a two minute video on Youtube that would clarify this madness. Yolanda’s daughter notes that Williams appears to have a Nigerian name, address, phone number, accent, and passport, and the caps lock text he sent her reading, “HI I’M NIGERIAN” is a little suspicious. Yolanda is flummoxed, because he lives in Manchester and looks like an underwear model, and why would anyone lie about that? No one is this stupid. Stop it, 90DF. This makes Nicole’s insistence that Azan isn’t already married look convincing. Are there no actual relationships in the queue?
Later, she spends a few days trying to get a hold of him, before she receives an email threatening to release nudes she sent Williams if she doesn’t send money. Kinda like the money Williams asked her to send so he could travel to Vegas. Yolanda thinks this might be part of a rogue hacking operation, scouring the internet for instagram accounts to delete. She needs him to be real so desperately, and I’d feel sorry for her if this wasn’t already outed as an act, and I suspect she made up the email address herself and sent the threat to stretch out her screen time. Have we seen any relationship with Williams up until this point? Other than a string of heart emojis?
Finally, we’ve got Avery and Ash. They’re prepping for a three day trip to the other side of Australia, which Avery doesn’t see as a vacation, because she’s here to get answers about Ash, and you can’t possibly learn about someone by whether or not you’re capable of having fun with them.
“I have an opinion about this,” Erika interjects.
Avery is suspicious because of the shady behavior of Ash’s brother, who at dinner didn’t seem to support Ash’s statement about how easy it would be to take his child away from his mother to live in another country, permanently. Determined to not fall into the dicksand, Avery intends to confront him. They drive down into the country and Avery marvels at the beauty, before they stop in a pretty spot to have a picnic with Ash’s flower shop commitments on full display.
Ash: Yes, I am hearing you, and I am seeing you, and I think it’s good that you have words.
Avery: You’re giving me a rehearsed response. I think you’re sugarcoating the complexities of bringing Taj to America with you. Your brother didn’t seem convinced this would be as easy as you said.
Ash: This is communication, and it is open and honest and from a heart-centered place. I am confident that we can reach a positive outcome in these endeavors, if we continue to co-exist on this plane.
Avery: For fuck’s sake, I get that you’re trying to be positive, but living on planet earth means we’ve got to shovel some shit every once in awhile. Give me a truth bomb.
Ash: I’m afraid the complexity of this will cause you to bail, since you’ve previously dumped my ass. Also, here is some more jargon to plow over that rare moment of honesty, and to speed past the notion of what my ex-wife might have actually said about all this.
Avery: I need to talk to your ex-wife.
Ash: Oh damn.
Next week, Ed is shocked to learn that he’ll be sharing a room with another 54 year-old when he flew in for 19, David walks around Ukraine yelling Lana’s name and putting up missing-person posters, Ash is afraid of his ex-wife talking in plain English to Avery, and Erika is slowly wilting in the face of Stephanie’s highly developed control issues that already dominate their sexless union. Oh, and Darcey is flummoxed as to why Tom had to see her in person to humiliate her on TV, but she’s glad she got to wear that sick outfit, and for fuck’s sake will someone who actually wants to be in an instagram relationship hit her up and work out a hashtag with her already? Fuck!
Thank you, Patreon supporters, my lovely quarantine companions!
submitted by fractalfay to 90DayFiance [link] [comments]

You Can Tell Facebook And Google Are Evil Because Hollywood Made Movies About Them

Google loves IOT devices. IOT devices love to biologically feminize, sterilize and emasculate males of all species. These devices don't go to The Good Place when you recycle them, they end up in your body.
Monsanto paid Google to bury unfavorable news
Revealed: Google made large contributions to climate change deniers
Monsanto paid Google to promote search results for “Monsanto Glyphosate Carey Gillam” that criticized her work, the documents obtained by The Guardian revealed.
Google OK To Pump Diminishing Pristine Groundwater To Cool Servers
Google = Evil
Articles appearing in Common Dreams, Futurism and The Guardian have described how a well-respected Reuters journalist, Carey Gillam, was systematically harassed by Monsanto with the assistance of Google.
Back when Google started deploying its little Street View cars around our neighborhoods, the company also ended up collecting about 600 GB of emails, passwords, and other payload data from unencrypted wifi networks in over 30 countries.
The Inexorable Evil Of Google's Governance Structure
Pentagon says Google's Drone Targeting Work Is Exempt From Freedom of Information Act
Google starts AI lab in China while ending an AI contract with the Pentagon
Google building technology to automate oilfields and to enhance oil retrieval.
How Google Girly Men Are Made
I know the guy down the road from my place who invented Febreeze, a petrochemical odorizer. An odorizer is something that "stinks pretty", as my dad used to say about perfume. He has a degree in chemistry. If you like breathing petrochemicals because they smell good, be my guest. That new car smell is nothing but poison. The educated people destroying the world are highly trained professionals. They're not nearly as smart as they think they are, but they're highly paid, and highly professional. The people who approve the chemicals are highly paid, educated professionals, who will sign their name to anything with 6 zeros attached to it.
Petrochemicals and plastic use grows 7X faster than human population. By 2040 more oil will be made into chemicals and plastics than burned in cars each year, for the first time. People who work in plastic extrusion plants die young. By 2025 cars will spew over 5 gigs of EMF data per day, as your car makes more money from your personal life than the sale of itself new. By 2030 your car will lock you up and drive you to the cop shop triggered by AI debtor prison algos. Miss one big payment too many, and pray your car doesn't suicide you off the road in revenge before it gets there.
In China your phone auto pays for your jaywalking ticket before you hit the other curb thanks to AI facial recognition. AI IOT devices are made from toxic nano mineral petrochemical plastic particles. And, by 2025 there will be gazillions of IOT bugs. Gates wanted a computer in every home and google wants a bug up every ass. That's why google protects people like Monsanto.
Smart diapers will eventually turn your kids into stupid sterile ghosts. Car tire and brake nano dust combine with combustible nano magnets, and PFAS dust, with C02 levels of 1,000 ppm, to literally make you 15% stupider and infinitely sicker. By 2025, sitting in your car for an hour will make you sicker than 2 hours of wearing VR goggles on Red Bull.
Urban water air food fabrics and EMF fields are toxic to life on earth, and will have unstoppable irreversible multi-generational genetic consequences that will be ever so very terribly slightly unkind. Our nano plastic metal gadgets, gizmos and bugs are making us chemically extinct as a species, the good news is that runaway climate extinction may slow the process somewhat.
Before You Begin Your Journey - I would like to introduce academic scientific fraud. This goes to prove how sold out academia and science are, with the possible exception of any subject ending in studies. I don't know my ass from a hole in the ground, but I do know that you should never trust anyone over 30 who is a physicist or priest.

Academic And Scientific Fraud

1,500 scientists lift the lid on reproducibility - Nature
Peer review: a flawed process at the heart of science – Royal Society
Peer-Review Fraud — Hacking the Scientific Publication Process - NEJM
Worst Science Fraud - Discover Magazine
Is the Peer Review Process a Scam? – enago academy
Let’s end reviewer fraud – Publons
107 cancer papers retracted due to peer review fraud | Ars Technica
Why scientists need to do more about research fraud – Guardian
Canadian researchers who commit scientific fraud are protected by privacy laws – The Toronto Star
China cracks down after investigation finds massive peer-review fraud – science mag
The Bottom of the Barrel of Science Fraud – Neuroskeptic
Scientific Fraud – EuroScientist journal
5 Common Types of Pharmaceutical Frauds You Should Know About!
Journey - Your Personal Descent Into Hell
Da Bone To Pick With You - RJC
A plateful of plastic – Reuters
Plastic Is Killing the Bacteria That Make 10% of Earth's Oxygen - Nature
Petrochemicals set to be the largest driver of world oil demand - IEA
Ocean Acidification Toxifying Phytoplankton - Planet Experts
Global petrochemicals market size projection - Newswire
Brake dust nanoparticles will kill you - INEWS
The future of petrochemicals - Deloitte
Rising use of plastics to drive oil demand to 2050: IEA - Reuters
Facing climate change pressure, big oil bets on plastic - Axios
A Surge of New Plastic Production Is on the Way - Yale
PFAS in almost everything - Yale ( there are thousands of different kinds of them )
Pollution Causing Feminization of Males Across Multiple Species - The Independent
Environmental impact of estrogens on human, animal and plant life - Science Direct
Warming warning over turtle feminization - PhysOrg
Environmental Warming and Feminization of Sea Turtle Populations31539-7) - Cell.com
Demasculinization and feminization of male gonads by atrazine: Consistent effects across vertebrate classes - NIH
Are Endocrine Disruptors Blurring Issues of Gender? - NIC
Background fish feminization effects in European remote sites - Nature
Endocrine Disruption Found in Fish Exposed to Municipal Wastewater - USGS
Evolution or Extinction of Men - Women's Health
Pharmaceuticals, Personal Care Products And Endocrine Disruptors in Water - EES
Black carbon found in women's placentas, even in remote sites - Newsweek
Environmental pollution is associated with increased risk of psychiatric disorders in the US and Denmark - PLOS
Top 10 air polluted cities are all in India = worse than China - FT
Lead Found in Drinking Fountains at 17% of California Public Schools - Capital & Main
Lake Michigan’s water volume can't dilute its chemicals - E Magazine
Males of All Species are Becoming More Female - Mercola ( with apologies )
Microplastic pollution ‘number one threat’ to humankind - Environmental Journal
Toxicity of Nanoparticles on the Reproductive System - Frontiers of Pharmacology
Pharmaceuticals in the aquatic environments an emerging threat for marine organisms - Science Direct
Microplastics cause chromosomal, reproductive abnormalities, early puberty, childhood obesity, increased blood pressure - Earth Day
Nanoparticles and embryonic development - Oncotarget
Moderate use of nanoparticles in food, toothpaste affects brain - Nebraska Today
Magnetic nanoparticles make youth stupid - The Scientist
Expert reaction to magnetite, air pollution and Alzheimer’s - Science Media Center
Plastic Teabags Release Billions of particles into Tea - Science Tech Daily
Impacts of Nano-Sized Plastic Particles on Benthic Invertebrates - Frontiers of Science
Microplastics in seafood and health - Springer
Nanoplastics accumulate in marine organisms and may pose harm to aquatic food chains - Science Daily
Microplastic Pollution has Physiological and Genetic Repercussions - Tech Today
Microplastics: From Fish To Human - Scientific American
Nine Things to Know About Microplastics - The Maritime Executive
Microplastics pose a threat to plants - Botany One
How tiny plastic particles are polluting our soil- United Nations
High levels of BPA found in the urine of teenagers - CSR Journal
Environmental Risk, Human Health, and Toxic Effects of Nanoparticles - Wiley Library
Silver nanoparticles have lethal effects on development and longevity - Nature
Combination of nanoparticles and contaminants form killer cocktail - Science Daily
Effects of Titanium Dioxide Nanoparticles Exposure on Human Health - Springer
Central nervous system toxicity of metallic nanoparticles - Dovepress
Metal Nanoparticles Damage Brain DNA - Tech Net
Toxicity of Nanoparticles on Insects - Dergy Park
Nanoparticles impact fish and us through food chain - Nordic Science
Impact of Nanoparticles on Brain Health - NCBI
Pesticides, petrochemicals and organic chemicals in drinking water - Health Vermont
Pharmaceuticals in the water cycle - USGS
Is tap water safe? - Environmental Magazine
11 terrifying things that could be lurking in your tap water - Business Insider
New PFAS Replacements May Pose More Risks - EWG
For Decades, Polluters Knew PFAS Were Dangerous But Hid Risks - EWG
Neonic Pesticide May Become More Toxic in Tap Water - NRDC
How DuPont Poisoned the World with Teflon - Organic Consumer
PFOA + PFOS = LOWER SPERM COUNTS + SMALLER PENISES - The Intercept
The Chemicals in Your Mac and Cheese - NYT
PFAS Chemicals Harm the Immune System, Decrease Response to Vaccines- EWG

Stupification

The impact of exposure to air pollution on cognitive performance - PNAS
Seniors and men are especially vulnerable to cognitive decline due to dirty air - Motherboard
Is air pollution making us stupider? - The Week
'Suppressed' EU report could have banned 31 pesticides worth billions, the report said pesticides are making us stupid, depressed and infertile - Guardian
Western diet cause reduced cognition, declining cognition and dementia - NIH
Too Much Screen Time Damages the Brain - Psych Today
What Screen Time Can Really Do to Kids' Brains - Psych Today
Your smartphone📱is making you👈 stupid, antisocial 🙅 and unhealthy 😷. So why can't you put it down❔⁉️ - The Globe & Mail
Myopia Epidemic From Too Much Screen Time, Not Enough Sunlight - USC

Demasculinization

Teflon Frying Pans = Smaller Penis - Daily Mail
Western Male Sperm Counts Down 60% in 40 years - Indpendent
Generational decline in testosterone levels observed - Helio 2007
You're Not The Man Your Father Was - Forbes
Millennial men are significantly weaker than their fathers - The Telegraph
Pathologizing Kids, Big Pharma Style - Counterpunch
How social media is making us dumb, angry, addicted - the college fix
Spike In Autism Linked To Preservative In Processed Foods - UCF
How Modern Life Is Transforming The Human Skeleton - BBC ( with apologies )
100 Years Evolution = small jaw + crooked teeth + sleep apnea - PLOS Blog
Spermacidal Junk Food Blues - The Telegraph

Organize

Long-term Antipsychotic Treatment and Lower Brain Volumes - NCBI
Chronic refined carbohydrates = neurocognitive deficits - NCBI
Refined sugar intake = lower cognitive continuum - Neurology
Excessive carbohydrates = insulin resistance - Nature
EMF Effects on Bees, Butterflies and Wildlife - EH Trust
135 reports on effects of EMF on male fertility (1972–2012)- EMF Research
These scientists think that plastics are shrinking men’s penises - SMH
Pesticide residue on fruits and veggies tied to infertility - Reuters
Plastic Food Packaging Shrinking Dicks - The Sun UK
Naval Medical Research Institute: 2300 Studies on EMF Health Effects - EMF Research
PFAS: Insights from Past Actions to Inform Today’s Decisions - Nature
------------------------------------------------------------------------------------------------------------------------------

PFAS/PFOS = Most western men will be infertile by 2060

https://www.indy100.com/article/men-infertile-2060-science-us-europe-australia-new-zealand-8025861
EMFs = Adverse Reproductive Effects
https://www.emfresearch.com/emfs-fertility-reproduction/
PFAS/PFOS = Forever Chemicals in Drinking Water And Air
https://www.sciencemag.org/news/2019/02/epa-blasted-failing-set-drinking-water-limits-forever-chemicals
Drugged Waters — how modern medicine is turning into an environmental curse
https://www.unenvironment.org/news-and-stories/story/drugged-waters-how-modern-medicine-turning-environmental-curse
Anti-Depressants And Violence (pro-gun, but still useful)
https://ammo.com/articles/ssri-antidepressants-mass-shootings-violent-side-effects
Over-diagnosis and over-treatment of depression is common in the U.S.
https://www.jhsph.edu/news/news-releases/2013/mojtabai-depression-over-diagnosis-and-over-treatment.html
Your Cosmetics May Be Killing You
https://thewalrus.ca/your-cosmetics-may-be-killing-you/
Dental flossing and other behaviors linked with higher levels of PFAS in the body
https://silentspring.org/research-update/dental-flossing-and-other-behaviors-linked-higher-levels-pfas-body
Photo toxic video light makes you myopic, frys your brain, damages your retina and disturbs your sleep.
https://news.yahoo.com/led-light-damage-eyes-health-authority-warns-002221659.html
https://medicalxpress.com/news/2019-02-screen-linked-epidemic-myopia-young.html
https://www.weforum.org/agenda/2018/12/how-does-screen-time-affect-kids-brains-the-first-results-of-a-landmark-study-are-alarming/
EMF = Brain/blood barrier degradation which exposes brain to blood contaminates.
https://www.emfresearch.com/emfs-blood-brain-barrie
Nano-plastics penetrate the blood/brain barrier in fish causing behavioural disorders.
https://www.nature.com/articles/s41598-017-10813-0
submitted by CommonEmployment2 to conspiracy [link] [comments]

The Green New Deal Conspiracy

It doesn't matter how old you are, it's time to grow up and face reality.
Did you know most green sites have a pro business agenda?
Did you know before covid there were 4 billion flights per year?
Did you know food shortages are weeks if not months away?
Did you know US oil exports went up 1,000% since 2010 and saved us from the 08 crash?
Did you know petrochemical has been growing 7X human population for 20 years?
Did you know that 100% renewable energy is impossible?
Did you know earth's magnetic field is weakening 5% per decade?
Did you know that ozone destroying chemicals are smuggled from China to the US and Europe every day? Do you even care?
Did you know when James Hansen proposed a carbon UBI with zero percent for governments and corporations, Bill McKibben and Bernie Sanders sponsored a bill for the feds to sequester 40% of any such dividend? Do you even understand what the fuck I'm saying?
Did you know there are thousands of studies out of Europe, the Pentagon and on PubMed saying that too much EMF saturation is bad for all plant and animal life?
Did you know that green sites care more about money than the environment?
If you said no, to any of the above questions, then what the fuck are you here?
Most ozone that protects you from the sun is right over you head, and it has never stopped depleting. This is because of refrigeration fraud. It's exactly the same as when you found "recycling" was a fraud.
You have no idea how much fraud is perpetrated in the name of virtue. Electric cars will have absolutely zero effect upon the climate, who ever tells you otherwise if lying.
In fact, almost everything you think you know is a lie. The US spends a trillion bucks per year on oil and war, the last thing they care about is the earth. If it doesn't make them rich, they don't care about it. Me first, earth second. The reason you don't know anything is because academic fraud has been going on for 100 years ( see links at bottom ), and guess who hates you knowing this? Academics.
The same people who brought you 911 and the opioid crisis, are the same people who are going fix it.
Perverse’ Carbon Payments Send Flood of Money to China
Alec MacGillis Tweet
Companies warn of huge black market in greenhouse gas – FT
Protecting the Ozone Layer: The United Nations History
State of the World 2001 The Worldwatch Institute
Environmental and Natural Resources Economics
Chemicals traded illegally – Irish Times
Greenhouse Gas Emissions Must Be Halved by 2030 to Avoid 3° C Warming
G&G Underwriters
The Zapping of America - by Paul Brodeur BANNED by the US Government
Why children absorb more microwave radiation than adults
Wi-Fi is an important threat to human health
Exposure of Insects to Radio-Frequency Electromagnetic Fields from 2 to 120 GHz
5G To Kill The Birds, Bees And Your Loved Ones Member the precautionary principle?
History of Cell Phone Radiation
Mobile phone cancer warning as malignant brain tumours double
Brain tumour risk in relation to mobile telephone use: results of the INTERPHONE international case-control study.
5 billion people now have a mobile phone connection, according to GSMA data
New Studies Link Cell Phone Radiation with Cancer
Could your phone harm your health?
Never before have so many humans been so cleverly induced to slowly exterminate themselves
Rise in Glioblastoma Multiforme Incidence in England 1995–2015 Suggests an Adverse Environmental or Lifestyle Factor
Devra Davis
Impact of radiofrequency radiation on DNA damage and antioxidants in peripheral blood lymphocytes of humans residing in the vicinity of mobile phone base stations
Cancer Expert Declares Cell Phone and Wireless Radiation as Carcinogenic to Humans
https://www.emfacts.com/2017/08/cancer-expert-declares-cell-phone-and-wireless-radiation-as-carcinogenic-to-humans/
The Blood Brain Barrier ("Keep Out")
https://faculty.washington.edu/chudlebbb.html
What is the blood-brain barrier and how can we overcome it?
https://theconversation.com/explainer-what-is-the-blood-brain-barrier-and-how-can-we-overcome-it-75454
Since Allan Frey discovered in 1975 that microwave radiation causes the blood-brain barrier to leak
https://www.cellphonetaskforce.org/the-work-of-leif-salford/
Mobile phones, cordless phones and rates of brain tumors in different age groups in the Swedish National Inpatient Register and the Swedish Cancer Register during 1998-2015
https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0185461
Brain Tumor Rates Are Rising in the US: The Role of Cell Phone & Cordless Phone Use
https://www.saferemr.com/2015/05/brain-tumor-rates-are-rising-in-us-role.html
Mobile phone radiation causes brain tumors and should be classified as a probable human carcinogen
https://www.ncbi.nlm.nih.gov/pubmed/25738972
Exposure to electromagnetic fields causes blood-brain barrier damage and cognitive impairment in rats
https://www.sciencedirect.com/science/article/pii/S000689931500030X
Ajit Pai jokes with Verizon exec about him being a “puppet” FCC chair
https://arstechnica.com/tech-policy/2017/12/ajit-pai-jokes-about-being-a-brainwashed-verizon-puppet-at-the-fcc/
CDC Issues Precautionary Health Warnings about Cell Phone Radiation
https://www.prlog.org/12359483-cdc-issues-precautionary-health-warnings-about-cell-phone-radiation.html
Children And Wireless FAQ’s
https://ehtrust.org/take-action/educate-yourself/children-and-wireless-faqs/
Mobile phones and head tumours. The discrepancies in cause-effect relationships in the epidemiological studies
https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3146917/
Children Face Higher Health Risk From Cell Phones
https://www.webmd.com/children/news/20140819/children-cell-phones#1
The Withering Bones of Humanity – RJC
A plateful of plastic – Reuters
Plastic Is Killing the Bacteria That Make 10% of Earth’s Oxygen – Nature
Petrochemicals set to be the largest driver of world oil demand – IEA
Ocean Acidification Toxifying Phytoplankton – Planet Experts
Global petrochemicals market size projection – Newswire
Brake dust nanoparticles will kill you – INEWS
The future of petrochemicals – Deloitte
Rising use of plastics to drive oil demand to 2050: IEA – Reuters
Facing climate change pressure, big oil bets on plastic – Axios
A Surge of New Plastic Production Is on the Way – Yale
PFAS in almost everything – Yale ( there are thousands of different kinds of them )
Pollution Causing Feminization of Males Across Multiple Species – The Independent
Environmental impact of estrogens on human, animal and plant life – Science Direct
Warming warning over turtle feminization – PhysOrg
Environmental Warming and Feminization of Sea Turtle Populations31539-7) – Cell.com
Demasculinization and feminization of male gonads by atrazine: Consistent effects across vertebrate classes – NIH
Are Endocrine Disruptors Blurring Issues of Gender? – NIC
Background fish feminization effects in European remote sites – Nature
Endocrine Disruption Found in Fish Exposed to Municipal Wastewater – USGS
Evolution or Extinction of Men – Women’s Health
Pharmaceuticals, Personal Care Products And Endocrine Disruptors in Water – EES
Black carbon found in women’s placentas, even in remote sites – Newsweek
Environmental pollution is associated with increased risk of psychiatric disorders in the US and Denmark – PLOS
Top 10 air polluted cities are all in India = worse than China – FT
Lead Found in Drinking Fountains at 17% of California Public Schools – Capital & Main
Lake Michigan’s water volume can’t dilute its chemicals – E Magazine
Males of All Species are Becoming More Female – Mercola ( with apologies )
Microplastic pollution ‘number one threat’ to humankind – Environmental Journal
Toxicity of Nanoparticles on the Reproductive System – Frontiers of Pharmacology
Pharmaceuticals in the aquatic environments an emerging threat for marine organisms – Science Direct
Microplastics cause chromosomal, reproductive abnormalities, early puberty, childhood obesity, increased blood pressure – Earth Day
Nanoparticles and embryonic development – Oncotarget
Moderate use of nanoparticles in food, toothpaste affects brain – Nebraska Today
Magnetic nanoparticles make youth stupid – The Scientist
Expert reaction to magnetite, air pollution and Alzheimer’s – Science Media Center
Plastic Teabags Release Billions of particles into Tea – Science Tech Daily
Impacts of Nano-Sized Plastic Particles on Benthic Invertebrates – Frontiers of Science
Microplastics in seafood and health – Springer
Nanoplastics accumulate in marine organisms and may pose harm to aquatic food chains – Science Daily
Microplastic Pollution has Physiological and Genetic Repercussions – Tech Today
Microplastics: From Fish To Human – Scientific American
Nine Things to Know About Microplastics – The Maritime Executive
Microplastics pose a threat to plants – Botany One
How tiny plastic particles are polluting our soil– United Nations
High levels of BPA found in the urine of teenagers – CSR Journal
Environmental Risk, Human Health, and Toxic Effects of Nanoparticles – Wiley Library
Silver nanoparticles have lethal effects on development and longevity – Nature
Combination of nanoparticles and contaminants form killer cocktail – Science Daily
Effects of Titanium Dioxide Nanoparticles Exposure on Human Health – Springer
Central nervous system toxicity of metallic nanoparticles – Dovepress
Metal Nanoparticles Damage Brain DNA – Tech Net
Toxicity of Nanoparticles on Insects – Dergy Park
Nanoparticles impact fish and us through food chain – Nordic Science
Impact of Nanoparticles on Brain Health – NCBI
Pesticides, petrochemicals and organic chemicals in drinking water – Health Vermont
Pharmaceuticals in the water cycle – USGS
Is tap water safe? – Environmental Magazine
11 terrifying things that could be lurking in your tap water – Business Insider
New PFAS Replacements May Pose More Risks – EWG
For Decades, Polluters Knew PFAS Were Dangerous But Hid Risks – EWG
Neonic Pesticide May Become More Toxic in Tap Water – NRDC
How DuPont Poisoned the World with Teflon – Organic Consumer
PFOA + PFOS = LOWER SPERM COUNTS + SMALLER PENISES – The Intercept
The Chemicals in Your Mac and Cheese – NYT
PFAS Chemicals Harm the Immune System, Decrease Response to Vaccines– EWG
The impact of exposure to air pollution on cognitive performance – PNAS
Seniors and men are especially vulnerable to cognitive decline due to dirty air – Motherboard
Is air pollution making us stupider? – The Week
‘Suppressed’ EU report could have banned 31 pesticides worth billions, the report said pesticides are making us stupid, depressed and infertile – Guardian
Western diet cause reduced cognition, declining cognition and dementia – NIH
Too Much Screen Time Damages the Brain – Psych Today
What Screen Time Can Really Do to Kids’ Brains – Psych Today
Your smartphone📷is making you📷 stupid, antisocial 📷 and unhealthy 📷. So why can’t you put it down📷📷 – The Globe & Mail
Myopia Epidemic From Too Much Screen Time, Not Enough Sunlight – USC
Teflon Frying Pans = Smaller Penis – Daily Mail
Western Male Sperm Counts Down 60% in 40 years – Indpendent
Generational decline in testosterone levels observed – Helio 2007
You’re Not The Man Your Father Was – Forbes
Millennial men are significantly weaker than their fathers – The Telegraph
Pathologizing Kids, Big Pharma Style – Counterpunch
How social media is making us dumb, angry, addicted – the college fix
Spike In Autism Linked To Preservative In Processed Foods – UCF
How Modern Life Is Transforming The Human Skeleton – BBC ( with apologies )
100 Years Evolution = small jaw + crooked teeth + sleep apnea – PLOS Blog
Spermacidal Junk Food Blues – The Telegraph
Long-term Antipsychotic Treatment and Lower Brain Volumes – NCBI
Chronic refined carbohydrates = neurocognitive deficits – NCBI
Refined sugar intake = lower cognitive continuum – Neurology
Excessive carbohydrates = insulin resistance – Nature
EMF Effects on Bees, Butterflies and Wildlife – EH Trust
135 reports on effects of EMF on male fertility (1972–2012)– EMF Research
These scientists think that plastics are shrinking men’s penises – SMH
Pesticide residue on fruits and veggies tied to infertility – Reuters
Plastic Food Packaging Shrinking Dicks – The Sun UK
Naval Medical Research Institute: 2300 Studies on EMF Health Effects – EMF Research
PFAS: Insights from Past Actions to Inform Today’s Decisions – Nature
PFAS/PFOS = Most western men will be infertile by 2060
https://www.indy100.com/article/men-infertile-2060-science-us-europe-australia-new-zealand-8025861
EMFs = Adverse Reproductive Effects
https://www.emfresearch.com/emfs-fertility-reproduction/
PFAS/PFOS = Forever Chemicals in Drinking Water And Air
https://www.sciencemag.org/news/2019/02/epa-blasted-failing-set-drinking-water-limits-forever-chemicals
Drugged Waters — how modern medicine is turning into an environmental curse
https://www.unenvironment.org/news-and-stories/story/drugged-waters-how-modern-medicine-turning-environmental-curse
Anti-Depressants And Violence (pro-gun, but still useful)
https://ammo.com/articles/ssri-antidepressants-mass-shootings-violent-side-effects
Over-diagnosis and over-treatment of depression is common in the U.S.
https://www.jhsph.edu/news/news-releases/2013/mojtabai-depression-over-diagnosis-and-over-treatment.html
Your Cosmetics May Be Killing You
https://thewalrus.ca/your-cosmetics-may-be-killing-you/
Dental flossing and other behaviors linked with higher levels of PFAS in the body
https://silentspring.org/research-update/dental-flossing-and-other-behaviors-linked-higher-levels-pfas-body
Photo toxic video light makes you myopic, frys your brain, damages your retina and disturbs your sleep.
https://news.yahoo.com/led-light-damage-eyes-health-authority-warns-002221659.html
https://medicalxpress.com/news/2019-02-screen-linked-epidemic-myopia-young.html
https://www.weforum.org/agenda/2018/12/how-does-screen-time-affect-kids-brains-the-first-results-of-a-landmark-study-are-alarming/
EMF = Brain/blood barrier degradation which exposes brain to blood contaminates.
https://www.emfresearch.com/emfs-blood-brain-barrie
Nano-plastics penetrate the blood/brain barrier in fish causing behavioural disorders.
https://www.nature.com/articles/s41598-017-10813-0
Academic Fraud
1,500 scientists lift the lid on reproducibility – Nature
Peer review: a flawed process at the heart of science – Royal Society
Peer-Review Fraud — Hacking the Scientific Publication Process – NEJM
Worst Science Fraud – Discover Magazine
Is the Peer Review Process a Scam? – enago academy
Let’s end reviewer fraud – Publons
107 cancer papers retracted due to peer review fraud | Ars Technica
Why scientists need to do more about research fraud – Guardian
Canadian researchers who commit scientific fraud are protected by privacy laws – The Toronto Star
China cracks down after investigation finds massive peer-review fraud – science mag
The Bottom of the Barrel of Science Fraud – Neuroskeptic
Scientific Fraud – EuroScientist journal
5 Common Types of Pharmaceutical Frauds You Should Know About!
submitted by CommonEmployment2 to conspiracy [link] [comments]

Top 10 countries that love gambling

Top 10 countries that love gambling
In today’s post, we’re going to look at how different countries appreciate games of fortune and chance. The rating of the most avid gamblers is based on opinion polls. Here are the top 10 countries that love gambling.
#10. Spain. Gambling is completely legal there and the government claims 20% of winnings in tax. The Spanish love poker and the casino.
#9. Greece. The Greeks are keen on casinos, including the online ones. Lotteries are also popular in this country.
#8. Hong Kong. Since it’s not against the law, its citizens indulge in casino and other gambling activities. Sports betting is also a big thing for Hongkongers.
#7. Italy. Italians get excited about slot machines. The next most popular form of gambling is poker, which has its own national championship.
#6. Finland. In Finland, the entire industry is under tight regulation, so Finns play in municipal casinos. The tax revenue from gambling activities goes towards sports, education and other social programs.
#5. Canada. Canadians indulge in a variety of activities: betting, lotteries, card games, etc. Online casinos are also hot in the Great White North.
#4. Ireland. The Irish are bound by a 50-year-old law, but in 2003, the authorities gave the green light to online casinos which have been extremely popular ever since.
#3. Great Britain. Sports betting and gambling have been an essential part of life for a lot of Brits for a long time. Betting is so ingrained in the culture, it is now considered a quintessentially British thing to do.
#2. Australia is enthusiastic about gambling machines and betting, with providers of the latter going as far as allowing bets on currency exchange rates.
#1. Macau. Formerly a Portuguese colony, it is now a special administrative region in China, just like Hong Kong. This is the Mecca of gambling, where people travel to spend fortunes in the local casinos.
https://preview.redd.it/2mpcyimryjv41.png?width=1280&format=png&auto=webp&s=b4cd670b5c676673154c8255fcb41e2c5b61edc7
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2019 net worth/income & expenses wrap: NW ↑ $534,000 | 88.5% savings rate

2019 net worth/income & expenses wrap: NW ↑ $534,000 | 88.5% savings rate
The following are our Q4 2019 net worth and income and expense posts from our blog, wrapping up the quarter and the year.
TL;DR: Net worth went up $534,000 for the year. Our Q4 savings rate was 80%, and 88.5% for the year. Fell short of our 90% savings rate goal.
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Quarter 4 2019 – Net worth update: Up $534,000 for 2019

Wow, I cannot believe the year went by that fast. I hope you’ve all had a safe and happy Christmas and New Year period.
As we said in our New Year birthday post, we had a busy quarter on the work front. It’s been getting really bad. Work stress is a very real concern for both my wife Ellie and I, and it seems only fitting that we want to FIRE.
It’s still very far away, but we started 2018 with a goal of retiring in 10 years, and a year has passed. Given the rapid passage of time, 10% time progress is nothing to be sneezed at.
However, in October I wrote a post on how our progress seems to be accelerating, following the rapid progress we made to a $1 million share portfolio. But the numbers in that post were quickly superseded with some big news.
Financially speaking, the quarter started out with a bang when Ellie received a $100,000 inheritance and the mixed emotions that came with it. It was a huge win for our finances, but it came at the expense of a familial loss.
While that was the headline event this quarter, let’s take a look at the full picture and see how we ended the year.

Our financial goals

Here are our early retirement goals. Essentially we want to retire early before the age of 45, with the following in assets:
  • $2,000,000 in shares
  • $600,000 in two investment properties
  • $700,000 in superannuation
  • $1 million house as our primarily place of residence
  • Total asset goal = $4,300,000.
Between those shares giving us dividends and rent from the investment properties, we want to have a gross passive income of about AU$150,000 per annum (pre-tax), to fund a nice early retirement where money isn’t a concern. You can also track our net worth growth in our previous posts.
So how did we go in October-December to finish up the year? As always, let’s start with shares.
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October-December: Shares

After finding out that we were going to receive the inheritance, our thoughts turned to where we could invest it.
That ended up being in a pair of long-term, hopefully safe and stable Listed Investment Companies (LICs). They’ll provide us with around a 6% gross dividend return. With $50,000 thrown into each, they should see our gross passive dividend income increase by around $6,000 annually.
That’s around 4% of our entire FIRE income right there, and we’re incredibly lucky and grateful to have received this.
Otherwise, after that explosive start to the quarter, the remainder was actually very quite on the buying front.
We had a big tax bill to pay, as well as another big expense for 2020 – holidays – that we put a down payment on. But you’ll have to wait for our Q4 income and expense report (coming up next) to hear more about that. However, that did mean that we lost the best part of a month of our salaries to those expenses.
While we bought big, our portfolios were also hit by the (seemingly endless) banking scandals that have hit the sector. Given that we’re heavy in financials, that side underperformed – all the more reason to add extra diversity to our portfolio!
So how did it all go with the value of our shares?
Our share portfolio was started the year on $725,000, was $819,000 at the end of Q1 2019, $931,000 in Q2 2019, and broke the $1 million mark at the end of Q3 at $1,023,000.
The ASX started October on 6688.30 points and ended the year on 6,684.10 – down 0.1% for the quarter.
We ended 2019 with a value of $1,120,000. Given how much many of our stocks were beaten down, we were actually very happy to end up with that – it could have been a lot worse. We’ve noticed that LICs generally show a lot of resilience during downturns, so they could have cushioned the blow for our balances.
Regardless, we ended the quarter up $97,000 (9.5%). In total on 31 December 2019 our share portfolio was up $395,000 compared to 31 December 2018 – an increase of 54.5%, which is just mind-blowing to us. Even without the inheritance, our portfolio would have gone up by around 40%.
What a crazy year on the share front, in so many ways.
https://preview.redd.it/0j3y8cbuv0a41.jpg?width=1200&format=pjpg&auto=webp&s=ee77b2e1c64c7cb09090dd5979aec73b3b815839

October-December: Superannuation

Next up is our superannuation accounts – or compulsory retirement savings.
During the quarter there were all sorts of ruminations about the Australian retirement system.
Someday a future government is going to have to bite hard on the retirement age bullet and raise it, because it’s just not going to end up well for the economy otherwise if they keep it as it is. But that unpopular can of worms will still get kicked down further the road for a few years longer.
Thankfully we plan to avoid a lot of the hoopla around government pensions (or lack thereof) in our old age by being self-funded early retirees.
That said, for as long as we continue working, we receive employer-funded contributions into our retirement funds. We don’t make extra superannuation contributions because we can’t access these under current laws until we’re at least 60 years old (wait for that number to eventually rise as well). We’ll do a post about that in the next few weeks.
So how did things go for our superannuation balances?
As a reminder, we started 2019 with $335,000 in super, $368,000 by 31 March, $393,000 by 30 June, and $409,000 at 30 September.
Three months later we’re now on $428,000 – an increase of $19,000 or 4.6%. It’s also an annual rise of $93,000 or 27.7%, which is a staggering amount.
https://preview.redd.it/5jlko3xuv0a41.jpg?width=800&format=pjpg&auto=webp&s=7d6b00ee9b3f2e44dec609f6d355b49bc7930edf

October-December: Primary place of residence

Last quarter the dial on the value of our house price moved for first time, and there seems to be some corroborating evidence for that.
House prices stagnated here in Brisbane over the last year, while southern Australian house prices took a dive of 10-15%, However, now news comes of a change in sentiment, and house prices are forecast to rebound by as much as 17% in 2020… Unfortunately it’s only meant to be between 3-7% in Brisbane. But we can live with that.
However, despite the change in the national property market’s sentiment, has anything changed with the value of our home in the last three months?
Last quarter in Q3 onthehouse.com.au said it was $710,000 (up from $705,000 in Q2), and ANZ bank said it was worth $720,000 (up from $655,000).
We didn’t trust the actual numbers, but we went with the number ANZ gave back in Q2 – $655,000, a $5,000 increase.
We haven’t seen as much real estate action in our neighbourhood this quarter, so this will be interesting.
At the end of December onthehouse.com.au gave us a valuation of $735,000 – up $25,000. Once again, onthehouse.com.au seems to be a bit too optimistic (but we’d certainly take it!), while ANZ is a bit closer to the mark. That said, compared to Q3 when ANZ it was $720,000, in Q4 it now said it’s worth $668,000.
Huh? ANZ certainly likes to bounce around.
So once again, I’m a bit conflicted with how to value things. While one valuation goes up $25,000, the other plummets by $52,000, and they give different figures.
The ANZ report is certainly closer to the mark in any case in my opinion – and it’s still higher than the valuation we settled on last quarter ($655,000), so hopefully we’re just conservative.
But I’m going to play it slightly safe and hold the valuation at $655,000. If both valuations move in the same direction (either up or down) as they did last quarter, we’ll move things.
Our future retirement home will cost around $1 million to buy, so we’ll have a shortfall that we’ll need to make up once our passive income goals are finalised. However, we’ve paid off the property, so all the capital is ours and counts towards our net wealth.
But our primary place of residence isn’t the only skin we’ve got in the real estate game.
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October-December: Investment properties

Righty-o – Last quarter things moved up by $5,000 to a combined value of $605,000, with an extra $3,000 paid off our two investment properties.
This quarter, things only paid themselves off by a barely noticeable $1,000 with a total debt of $374,000.
On the valuation side, this was the state of play in Q4 via onthehouse.com.au and ANZ property reports:
  • Onthehouse.com.au – combined value $680,000 ($695,000 in Q3).
  • ANZ – combined value $619,000 ($605,000 in Q3).
So just like with our primary place of residence, it’s conflicting data. However, this time it’s reversed, with onthehouse.com.au dropping a little bit (by $15,000), and ANZ increasing (by $14,000).
Between the two, things have apparently dropped by $500 per property – which is just splitting hairs.
Given they were both pulling in practically opposite directions, we’ll call this flat again at $605,000, and claim the $1,000 mortgage repayment.
ANZ seems to once again be the more accurate measure, and we’ll once again play it conservative and retain their $605,000 total value.
Deducting our debt of $374,000 gives us total equity of $231,000. That’s a tiny increase of 0.4%.
So in total, a very unremarkable quarter on the property front!
https://preview.redd.it/qnl4a8swv0a41.jpg?width=1200&format=pjpg&auto=webp&s=b32e426f3d26d2a09518504ebc59867398e9a562

Financial state of the union

Looking back to the start of the year, we began with a net worth of $1,900,000, increasing to $2,057,000 in Q1, sitting on $2,196,000 in Q2, and reaching $2,317,000 in Q3.
So here’s how things look at the end of 2019:
Asset Value
Shares $1,120,000
Superannuation $428,000
Investment properties value $605,000
Investment properties debt -$374,000
Primary place of residence $655,000
Total $2,434,000
That’s another nice increase of $117,000 for the quarter – a 5% lift.
For the whole year, it’s a quite extraordinary increase of $534,000, or 28.1%. Taking out the inheritance Ellie received, it’s still a momentous lift of $434,000 – which would have been 10% of our entire net worth goal: a ridiculous number, really.
Given the ~18% market rally in 2019, ridiculous really should be the word of the year.
It would be crazy to expect the same in 2020. But given that much of 2019 was mired by Brexit and the US-China trade war (which is now partially agreed), 2020 might be another year with rocket under it now that Brexit is also almost sorted (did I just jinx it?). That said, Iran, North Korea, and any number of other surprises will await us as well.
Domestically in Australia, talk of further interest rate cuts might drive even more money into shares, and the housing market is apparently rebounding. If it wasn’t for the underlying shaky fundamentals, you’d bet that 2020 will be another solid year… But we’ll see.
In the end all I know is that our net worth has increased – and it’s now 56.6% of our total target – progress towards FIRE of 12.4%. What a year!
Next up is our income and expenses report for Q4 2019, so stay tuned for that and our quest to save 90% for the year. Will we reach it?
Blog link: https://hishermoneyguide.com/quarter-4-2019-net-worth-update/

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2019 income and expenses: We saved $189,718 – 88.5% savings rate

The big question we’ve been asking ourselves is whether we reached our goal of saving 90% of our income over the course of the entire year.
Our running total for the first nine months of 2019 was an income of $151,400, with expenses of just $12,710. That’s a huge running savings rate of 91.6%.
But the first nine months don’t tell the full story by any means.
We still had our eye watering tax bill to include this quarter. Plus a surprise expense: we’re going on holidays in Q1 2020, and in November we pre-paid a decent chunk of it!
So can we keep our heads above the 90% threshold across the whole year as we aim for financial independence and early retirement before age 45? Let’s find out!

October-December: Income and side hustles

Let’s start with our salaried work and effort-related ‘active’ income (aka: side hustles).
For starters, this quarter had a profitable seven pay cycles within it for salaries, giving us $43,314.18 after tax. That’s $6,187.74 more than last quarter which only had six pay days. Wouldn’t it be nice if every quarter had seven pay cycles…
We haven’t had any big wins on the side-hustle front to finish the year. But here are other small income streams.
Our bottle collection numbers were $147.70, compared to $235 last quarter. That brings us up to $1015.20 for the year. Not bad for some tax-free cash. However, this side of things has certainly slowed down for us recently. We just haven’t had the time to go on walks after work like we did earlier in the year, so these numbers are decreasing. And the streets actually seem cleaner as well, which is awesome.
This blog made $119.04, compared to $119.26 last quarter. In total the blog earned us $369.76 for the year. In late 2018 the site cost about $521 to set-up with 6 years of hosting, two years domain registration, and a paid theme. So the way things are going, next quarter things will have more or less paid for themselves, which was the core goal of monetising the site. Thanks everyone for your support here!
Next up, doing online surveys were another tidy earner. This quarter we earned $190. In Q1 we earned $170 from surveys, $100 in Q2, and $285 in Q3. That brings us to $645 for the year. When you get these in the form of e-gift vouchers, they’re tax free. Cha-ching!
We also had $110 in rewards program redemptions for October-December. It’s really not even a blip on the radar, but we’ll take it nevertheless. In total we had $240 of rewards redemptions for the year.
Lastly, it’s not really an ‘active’ income source, but Christmas rolled around, and our parents gave us cash in lieu of physical presents. Good thing they gave us money, too, because we have everything else we need – aside from early retirement! This year we received $1,000 in cash, which is greatly appreciated – thanks mums and dads!
That brings our side hustles to a total of $566.74, plus $1,000 in presents. Added together with our salaries, that gives us a grand total of $44,880.92, compared to $37,765.44 last quarter.
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October-December: Dividends

Let’s turn our sights to our ‘passive’ income: share dividends.
We had a nice year of buying and reinvesting shares, so as always – we really want to see our numbers increase. It would be rather disheartening to see a year of progress reveal no progress at all.
So how do our numbers compare to last year:
Q4 2018 Q4 2019
DRP/DSSP reinvested/Direct debit (excluding franking credits) $12,694.50 $15,256.82
The numbers above are ‘somewhat net‘ – for the purposes of calculating our savings rate. It excludes franking credits, which are pre-paid tax.
Looking at the numbers above, our dividend income has increased year-on-year by $2,562.32 or 20.2%, which is quite nice.
For reference, this is the full picture for 2019, versus 2018:

DRP/DSSP reinvested/Direct debit (excluding franking credits) 2018 2019
Q4 $12,694.50 $15,256.82
Q3 $15,465.78 $16,439.23
Q2 $4,488.78 $9,728.34
Q1 $5,611.49 $6,739.82
Total $38,260.55 $48,164.21
In total, that’s an increase of $9,903.66 or 25.9% – which is just terrific.
Short of a market crash, things are looking great to improve once again in 2020, with over a quarter of a million dollars in shares purchased and dividend reinvested across 2019 – plus anything extra we purchase throughout 2020.
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October-December: Expenses

Alright, drum-roll time. Let’s look at our expenses for the final quarter of the year:
Important to note: the “TOTAL” columns are for the entire year – this table now includes expenses for the last four years: 2016-2019.
For October-December we had total expenses of $11,983.96. That dwarfs our 2018 expenses for the same period (which were $7,760.86) – so an increase of $4,223.1 or 54.4%. Gimme a O, U, C, H!
That figure is also almost as much as our expenses for quarters 1, 2 and 3 combined. What on earth happened?!?
Well, that blowout is entirely down to two items: our tax bill – which doubled on last year – as well as down-payments on a holiday we’re taking to New Zealand in Q1 2020. Our total holiday cost will come in at around $5,000 so we still have around $3,000 coming our way in Q1 next year, so that’ll be an expensive time. However, we hope our tax bill to drop a little bit in 2020 by maybe $1,500 – so that’ll help.
It was another largely our bills were mostly around the same – but not all.
Firstly, there were some notable savings. The biggest step we took was downgrading one of Ellie’s professional memberships, resulting in a saving of almost $400. Across the whole year this downgrade will save us about $750 each year, which is nothing to be sneezed at. In November 2018 we also had a big expense with setting up the blog, which wasn’t replicated this year.
Compared to last year our grocery bill has gone up a little bit, but not as much as we expected given the severe drought.
If we take out tax from our “living expenses”, across all of 2019 we only spent $18,256 compared to $17,891 in 2018. That’s an increase of 2%, which is pretty much in line with inflation.
All up our goal was to cut spending for the year, which we failed at. But given what some of those increases were, ultimately we’re pretty happy with our expenses. Yeah, some things have gone up, but others have dropped.
We could have saved more if the goal was to save money at any cost, but we’re pretty comfortable with life at the moment and what we spend money on.
We have a holiday to look forward to, while 2021 will be a staycation most likely ahead of another international trip in 2022. And sure, our tax bill went up, but that’s because we had a higher income – so we don’t have any right to complain there.
2019 was another year of managing to dodge big expenses for items like broken appliances or home maintenance, which will eventually bite us. Until that happens though, we’ll keep saving and investing. But speaking of saving, how did we go for the quarter, as well as the whole year?

https://preview.redd.it/bfkev8l4w0a41.jpg?width=1200&format=pjpg&auto=webp&s=577ede8adf901322b29b28b93a4883a1d910930d

How are we tracking? Q4 savings rate

Now let’s throw together some numbers and see what comes out. First up we’ll look at the savings rate for the quarter:

Q4 Value
Income $44,880.92
Share dividends $15,256.82
Expenses -$11,983.96
Total savings $48,153.78
Savings rate 80.0%
Oooof! 80% is easily our lowest savings rate of any quarter of the year (Q1 was 89.7%, Q2 was 93.2%, and Q3 was 92.1%), but we always knew and said that Q4 with that big fat tax bill was what would hurt us.
So that’s not really a surprise, and in the grand scheme 80% is still pretty good. But forget Q4. What did all of 2019 look like? It’s a number I’ve been waiting all year to see…
https://preview.redd.it/2dcay1d5w0a41.jpg?width=1200&format=pjpg&auto=webp&s=40773ade74465500540cc0521ee432ba936b2cbf

2019 annual savings rate

So, did we reach our goal of a 90% savings rate for all of 2019?

2019 Value
Income $166,249
Share dividends $48,164
Expenses -$24,695
Total savings $189,718
Savings rate 88.5%
Darn. 88.5%. So close, and yet so, so far.
Feeling an instant level of guilt, I ran a calculation to see what would have happened if we we didn’t pre-pay part of our upcoming holiday, and it was 89.3% – still short. That makes me feel a bit better.
The next big savings rate killer was the tax. With the way we do our calculations, having some $4,800 of taxable side-hustle income for 2018-19 meant almost $1,800 in extra tax. The impact of that extra tax and holidays combined would have just about got us over the line to 90%.
We tried and ultimately failed! Sorry, folks!
In any case, saving almost $190,000 between income and reinvested dividends is something we’re really thrilled about. It’s all going into shares now, and will continue to do so until we hit our share income goals. Combined with the increases to our net worth in 2019, our goal of early retirement has never been closer and feels like it’s accelerating.
We’ll be posting our 2020 goals next week, so stay tuned for that.
Thanks for reading and good luck with your income and expense goals for the year ahead!
Cheers,
Alex
Blog link: https://hishermoneyguide.com/quarter-4-2019-income-and-expenses/
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Yesterday Australia's parliament voted in favor of banning online lottery betting, which lets punters wager on international lotteries. The blacklisting of the sites won't take place until January 1st, 2019, but will see any sites that offer the bets having to cut them out, at least to Aussies. USA Legal Online Gambling History & Timeline. Gambling laws in the United States are not passed on a Federal level and in the U.S. its usually the states that decide on the legality of different forms of gambling both online and offline for people in their state.. Originally in the early 2000’s the US Government made many public statements declaring that it was illegal to gamble on the internet. Taxation Laws on Gambling in Australia. Tax rates charged on respective states is based on negotiations with the State or Territory government. The Northern Territory pays up to 10% of its gross The restructuring of Australia’s gambling laws is largely divided, with a number of conservative MPs backing tougher stances and restrictions on online gambling, amid the growth of remote betting operators targeting Australian consumers. However, Liberal Democrats Senator David Leyonhjelm told The Huffington Post Australia: “It’s stupid. Australia Fines Gaming Firms For Online Betting Advertisements In New South Wales, Australia the Office of Liquor Gaming and Racing is carrying out operations against online betting firms that are issuing betting advertisements and breaching gambling laws of the state.

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