Wednesday, March 29, 2017

When You Woke Up and Finally Realized, "Wait! Hillary LOST!!!"

I've often said the human brain cannot fully comprehend either amazingly BAD things that happen or amazingly GOOD things that happen, especially in short periods of time.  It takes time to mourn the loss of a loved one, just as it takes time to fully realize the ramifications of winning the lottery.  It's almost the same thing with Hillary Clinton losing.

Certainly we (and very likely the rest of the sane world) rejoiced loudly when she lost those five months ago.  But we may not have fully incorporated and therefore appreciated this fact until now.  Yes, Hillary losing was THAT GOOD of a thing.  And we should thank our lucky stars like we do for good health, good family, and employment that that evil bitch is not president today.

Tuesday, March 28, 2017

Episode #193 of The Clarey Podcast!

Alcohol plays a vital role in society.
When's the last time you were giddy?
The pursuit of novelty.
A crazy dating story.
What did you expect from republicans?

and MORE!!!

In THIS EPISODE of The Clarey Podcast!!!

RSS feed here.

Direct MP3 link here.

The Simple Solution to YouTube's Demonetization Crisis

Entrepreneurship and hustle.  Entrepreneurship and hustle.

Monday, March 27, 2017

Real Life the Video Game

Brilliant

London Defeats Terrorists with Candle Lit Vigil!

Soon to follow is an assault with hashtags like #prayersforlondon and every piece of shit leftist coloring their facebook photo with the British flag.

Is There ANY Happiness in Feminism???

I try to ignore the world of feminism as it's nothing more than a religious hate group full of zealots who abdicate responsibility and worship at the feet of marxism.  It's merely glorified parasitism with a pair of drooping, ugly, pruny tits.  Nothing more, nothing less, and it sure as hell isn't an intelligent discipline or study that women's studies vainly attempts to make it.  But every once in a while their psychotic behavior shocks even me and therefore deserves highlighting, especially for the benefit of warning young boys and men about just what a sick and vile virus feminism is, infecting the girls they wish to court.

And this week there were two such instances.

One, an article in Cosmo (which I won't link to, but will link to the Federalist instead) that says it's bad when men enjoy women having orgasms during sex.  The tongue and cheek analysis is funny and rightly skewers the author as the painfully common liberal-arts-major-turned-poverty-striken-New-York-blogger  that she is.  But my god, now "women having orgasms" is bad and sexist because "men enjoy it."

Two, the kerfuffle over Wonder Woman's armpit hair has gotten feminists in a tizzy, not to mention given agency-less baby boomer and Gen X media types something to write about in their equally-pointless "journalist" careers.  Multiple articles have been written about this "crisis," but feminists have once again taken a movie about historical American comic book hero, that promised to be fund for the whole country, and managed to ruin it for the rest of us with their faux-victim-whore-seeking-rage.  Again, can you not just sit back, buy some popcorn, and have some fun?

But while we can focus on the seeming blood-oath feminists have sworn to being miserable, I'm not focusing on them on account they can't be saved.  Instead I'm going to focus on a group of people that are going to take the brunt of this mentally-diseased group of people - young mens and boys.  Because they are going to have a Darwinistic interest in the young women this poison called feminism will infect.  Ergo, to make sure they know they're not going crazy, and that no, you didn't don't anything wrong, I'm simply going to stand here and say:

"Dude, just open your eyes, look at this shitshow, and see just what a bunch of miserable, unhappy people feminists are."

Though the fine net of the internet has dragged up all sorts of horrific floor dwelling vermin for the world to see, young boys and men who literally don't know any better (especially given their female-centric education in the public schools) need to be shown this type of feminist sadness, anger and misery so that as they age and attempt to court women, they understand just what poison their female counterparts have been fed.

Be it getting yelled at because you cutely referred to your date as "kid" in reference to Casablanca (two girls hated me for this as early as in the 90's)

Be it being lectured for walking a girl to her car or door.

Be it being admonished for having a sexy cheesecake photo (which feminists will call "degrading and objectifying") of your girlfriend on your phone

these normal, historic, genetic, and ultimately, happy, joyful, fun, playful, and loving inter-sex acts between men and women are hated by feminists.  And especially when young women are particularly prone to swallow (if not at least parrot) a lot of this hate, it won't be until they grow up and mature a little bit will they have the adult, reasoned, and altruistic mind capable of being part of a loving (or at least) mutually beneficial dating relationship. Until then, they are simply not capable of being a quality girlfriend or wife.

The sad thing (for feminists anyway) is that their behaviors and temper tantrums are so outlandish, so petty, and so extreme that young boys (even girls), steeped in the leftist indoctrination of universities and K-12 can realize feminism is not some legitimate ideology with legitimate concerns about the sexes, fairness, progress and the equal treatment of women.  But instead, it's a mentally-ill, hateful cult filled with women who are

anti-fun
anti-love
anti-joy
and
anti-male

and can simply be written off as miserable women who hate life.

Warn your young boys, sons, and nephews about this poison they are going to run into as they get older.

Warn your daughters, sisters, and nieces so that they don't waste their lives being miserable like feminists.

And you don't need to show them this article to do so.  Just merely point out what feminists are doing today and even a child's mind can realize their misery.

Saturday, March 25, 2017

Weekend Reminder

To do all your online shopping through Cappy's Amazon affiliate program.

Costs you nothing.
Helps support the show.
Ensures Cappy never has to work in banking again.

Get into the GOOD HABIT of doing all your Amazon shopping by clicking here.

Friday, March 24, 2017

Curse Free Episode #21 3-24-17

Talk radio doesn't advance philosophy
Cappy discovers an SJW assembly plant
Stefan Molyneux's intelligence or Millennial Millie's tits, which would you prefer?
Refusing to attend diversity training.

AND MORE!!!

In THIS EPISODE of The Clarey Podcast!

Direct MP3 link here.

RSS Feed here.


But But But....Vagina!

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

Nope!

Now if only Trump would go after Hillary.

The Illusion of Infinity

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

Take for example three entities:

The government.
Religion, and
The internet.

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

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

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

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

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

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

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

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

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

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

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

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

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

Thursday, March 23, 2017

Montrose County

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

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




Why I Just Don't Care About the London Attack

http://www.amazon.com/gp/product/1480284769/ref=as_li_qf_sp_asin_il_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=1480284769&linkCode=as2&tag=captaicapit0b-20&linkId=IOTN6LBE2CO6YSSQ

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

First, "What is it this time?"

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

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

But in the end NOTHING different will happen.

NOTHING.

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

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

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

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

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

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

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

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

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

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

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

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

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

Boston.  Left.

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

The horrifying attack in the gay night club.  Leftists.

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

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

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

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

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

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

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

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

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

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

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

In the meantime I recommend what I always do.  Enjoy that decline people.  Enjoy that freaking decline.
________________________________
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Mattel Would Be Crazy to Cast Amy Schumer as Barbie

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

For Your Early Morning Commute

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

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

Wednesday, March 22, 2017

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

Not to mention stupid and easily duped too.

Democrats Love Welfare Parasites More Than Government Workers

It's tough being a democrat.

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

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

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

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

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

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

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

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

Is the US in Another Housing Bubble?

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

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
























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

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



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

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



























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

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



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

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

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

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

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

Tuesday, March 21, 2017

Americans Dying with Debt

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

Episode #192 of The Clarey Podcast

In this triumphant return of Cappy to The Clarey Podcast:

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

AND MORE!!!

in THIS EPISODE of The Clarey Podcast!

Direct MP3 here.

RSS feed here.

Sponsored by BETTERMENT!

Monday, March 20, 2017

There are Only THREE Reasons to Go Into Business

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

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

How Blacks Can Make More Than Whites

Yes, it really is that simple:

Autism Muppet on Seasame Street

Our Muslim invader overlords can't invade quickly enough.

And I for one will welcome our new overlords.