Personal Finance

Today, the following video was shared about Google.

It shows a professional stock market analyst walking everyone through Google’s earnings and what that means for its valuation. 

The video is an insightful look into the stringent technique that is individual stock analysis. How much money did they make? How much did they spend? What future expectations did they announce? All of these questions and more go into the equation. 

So if you saw how Google immediately traded after earnings (it dropped 6%), this video might provide some reasons why:

Insurance is based on large groups of people who are all afraid of the same thing. 

Allow me to demonstrate:

Peter, Paul, and Mary are all afraid of fire. They’re all terrified that, one day, their house might burn down.

Their friend Albert has a great idea for how they can deal with that fear. “Hey, guys! Why don’t you all set aside a little bit of money every month- maybe inside of this Halloween jack-o-lantern that I had lying around- and if any of your houses do burn down, you can use the money to rebuild!”

Peter, Paul, and Mary think that that’s a great idea, and they all start putting money into Albert’s Halloween jack-o-lantern. Since it’s Albert’s job to keep the money safe, and to make sure that they all remember to put the money in the jack-o-lantern on time, and since it’s his jack-o-lantern, they agree that he can keep a small portion of the money for himself. Albert has just created his very own insurance company.

Along comes Susan. Susan is kind of a dick. She’s the kind of person who finishes the orange juice and puts the carton back in the fridge. She sees how much money is in the jack-o-lantern, and she tells Peter, Paul, Mary, and Albert that she also has a terrible fear of her house burning down. Would they please let her put money in the jack-o-lantern too?

Since the more people they have putting money in the jack-o-lantern, the more money they’ll be to help if one of them ever does have their house burn down, they say sure; the more the merrier!

So Susan puts some money in the jack-o-lantern, and then she goes home and sets her house on fire. Susan has just committed insurance fraud. This is bad, because now there’s no more money in the jack-o-lantern in case someone else’s house burns down by accident. Now, if Peter were to have a fire, Albert would have to ask Paul and Mary to put more money in the jack-o-lantern than usual. He would have to raise their insurance premiums. Then Albert wouldn’t make any money, since he’d have to pay for the fire damage first, even though it was his jack-o-lantern. This makes Paul and Mary mad at Albert, because he asked them for more money, and it makes Albert mad at Susan, because Susan was dishonest. Now everyone is angry at each other.

Albert has to make rules. He decides that, not only are you absolutely not allowed to set fire to your own house, but that people who do dangerous things with fire aren’t allowed to have the money from the jack-o-lantern. He decides that people who set off fireworks indoors probably had it coming if their homes burn down, so if Peter, Paul, or Mary ever came to him and said that their house burned down after a bad fireworks mishap, he wouldn’t give them anything from the jack-o-lantern. Maybe he wouldn’t even let them put money into the jack-o-lantern anymore, since they’re so irresponsible. 

New Post has been published on http://autoinsurance.design/2016/04/09/csorba-joins-great-american-insurance-group-as-divisional-president/amp/

Csorba Joins Great American Insurance Group as Divisional President

so i saw the new fast and furious movie over the weekend, and i actually loved it. it was one of the most entertaining films i’ve seen in a long time, and i’m gonna tell you guys why i loved it/why i’m glad this film had such a successful opening weekend:

A disclaimer: I am not you. You are not me. We are not, collectively, anyone else, so your results may vary. I have a very high tolerance for personal discomfort and/ or living in squalor, which means the life choices I opted for in pursuit of happiness may not work for other people.

1. Yes, 18-19 was grotesque. I think it’s grotesque for many because it’s the time you realize that you are now going to be responsible for your personal happiness: CONGRATULATIONS YOU’RE AN ADULT-THING

2. So you’re not a kid, but it’s not exactly like you’re out in the real world doing what you want to do yet. You’re a strange possibly gross magical creature who is somehow still growing, who is aware of the right thing to say or do but somehow manages to do something else by mistake, who has possibly grown away from childhood friends, who is dimly conscious that there must be other humans out there to form a life-long bond of coolness with but somehow cannot find these future blood-brothers anywhere. This is frustrating at best and paralyzing at worst.

3. Do not be paralyzed. The ones who freeze are the ones who get eaten by the predators first.

4. Unless your life-goal was to be eaten by predators, in which case: go.

5. I wanted to be an artist, a musician, or a writer; that was the goal. No. That was not the goal. I knew I didn’t want to have an ordinary life. I wanted every day to be different — to feel no regrets — to feel like when I got to the end, I’d really done something.

6. Here’s the moment that changed my life forever: after graduating, I became a technical editor for kindly federal contractors. The job was fine. Not what I’d dreamed of, but a paycheck with benefits and a roof over my head. I realized that there was a version of me that could stay in this job for the rest of my life, benevolently compromising. That was the day I walked into my boss’s office and gave my two weeks notice. “What are you going to do?” he asked, surprised. “I’m going to be a portrait artist,” I replied. He said, “But you were a history major.” I told him I reckoned that if I worked at my art for 40 hours a week as I worked at technical editing, I’d get good enough to make a living. He told me that I could have my job back at any time. I didn’t go back. I gave up my nice salary and my future that was fine, only fine. My life became dry pasta and scrounging desperately under seats for change to put fuel in the car. It was the best thing I ever did: I was happy. Terrified, sometimes, because I had to put myself in unfamiliar situations every week and trust myself. But happy.

7. Which is to say that happiness is hard work, and I’m suspicious when I’m not chasing it. It doesn’t just sit there: content waits for you. Happiness runs, a gleeful moving target that changes as you change. I understand this belief may be because I am insane, but in case you’re also insane, I’m putting it out there.

8. I do indeed have a pack of lovely close friends, but I didn’t find most of them until my mid-twenties. And I didn’t find them in real life: I found them online, and then we met in person. So my best friends live in Kansas, in Colorado, in Georgia. I have people I am fine with locally, but I have yet to find a blood-brother in my home town. Embrace that whatever brand of strangeness you are, there is someone else complementary to you, but they might be two thousand miles away. The Internet is a great thing for strange people.

9. On the topic of complementary people: I never dated people who didn’t think I was great, nor did I pine away longing for a date. A lot of my peers made themselves miserable by dating people they could never be friends with. I don’t tend to think great relationships are formed with someone you had to harpoon; I think if you’re doing what you love and putting yourself out there, friends will come along, and some of those will be kissable. I’d rather be alone than with someone I’m just fine with. I’m great company.

I just received a fanmail with the following question:

Rite I have been a fan of your blog for literally years but how on earth can you think fifty shades is abuse? It’s being kinky and everything is consensual!?

Give me Slytherins in Dumbledore’s Army.

Just a heads up that this is essentially my way of procrastinating studying for my exams ahahaha *sobs quietly*

Anyway, these are just a few fics that I adore, and ones that I think should get some more recognition because for some reason some really good ones fall under the cut?????? idk

Non-Hispanic black and Hispanic men were less likely than non-Hispanic white men to report having daily feelings of anxiety or depression, and this disparity was due to significant differences among younger men aged 18–44. This finding may seem to contradict other research revealing that rates of serious psychological distress (6) and depressive symptoms (7) are higher among Hispanic and non-Hispanic black persons than among non-Hispanic white persons. However, the findings in this report are based on a different measure of mental health symptoms (reported daily feelings) that considers frequency but not intensity of feelings. The findings in this report are also based on a different population (men only).

Younger men of color who reported daily feelings of anxiety or depression were less likely than their non-Hispanic white peers to take medication or talk to a mental health professional. This difference in treatment use was not observed for older men.  Among the younger men, the racial and ethnic difference in treatment use was observed regardless of income.