Distance to a Dollar Store
3 out of 4 New Yorkers (15.2 million) live within 5 miles of a dollar store.
Writing
Ethical Investing is BAD Investing… Here’s Why – How Money Works
Some request inflation adjustment from wind power developers
Many of the wind projects were bid several years ago before the COVID-19 pandemic, Reynold explained. Since then, the costs of cement, steel and wind turbines have all increased.
How much additional funding each project has requested from the PSC depends on when the projects were originally bid.
“Ranging from 27% for some, all the way up to 70% for some other projects,” Reynolds said.
For land-based wind projects, the state estimates that the increases would translate into an additional cost to consumers of $1.57 per month.
Reynolds didn’t comment on the additional cost to consumers of offshore wind projects.
The PSC may rule on the inflation adjustment as early as Oct. 12. If the adjustments are approved, the additional funding will be triggered when the project reaches the construction stage.
“So, if the prices go back down, the inflation adjustment would be less,” Reynolds said.
If the PSC denies the inflation adjustment, Reynolds said the situation would be “bad."
“Both offshore wind projects, and the land-based wind and solar projects, have demonstrated that the prices have gone up for these projects. And so, they can’t get built at these prices,” she said.
The petitions cover about 90 renewable energy projects.
“A lot of them will get canceled,” Reynolds warned. “Some of them may successfully rebid.”
Here is some random financial advice that the good ol’ boy came up with …
1) Debt is evil, don’t make it.
If you can’t afford to buy something with cash, you can’t afford it. Your poor. Be a grown up and accept that fact.
2) Live in poverty.
It’s always bad to have money in your bank account, because it doesn’t earn much interest and means it will get spent on things that you’ll spend later to get rid of at the landfill. I rarely have more then a $1,000 in the bank, because I’d rather live paycheck-to-paycheck, knowing that every time I look at my bank account I can’t afford to buy junk. Lock the rest of the money up in investments and savings accounts, the later that offers more flexibility during emergencies and for buying bigger purchases after a few years.
3) Remember 90% of things you buy are going to either become poop or smell like burnt plastic in the burn barrel within 2 weeks of buying it.
While we all like playing with fire, watching things melt, and colorful flames, buying things to set on fire is a waste of money. So in other words, don’t buy it.
4) Do antagonize over $20 purchases.
Little things add up quickly. Do you really need it? Anything that is non-essential should not be purchased — even if you like watching plastic melt and burn.
5) Don’t take a raise — or at least the majority of a raise.
Rather then taking a raise, use automatic deposits to savings accounts, 401ks, IRAs, or any other vehicle that defers the money to make raise never appear in your bank account rather then take it and spend it.
6) Always look for lower-cost ways of doing things.
Does the government offer the service for free or low-cost? Public libraries, public transportation, and public forest lands are free (or low cost) for your use and enjoyment.
7) Try to save more then you spend each week.
If you take home $1,300 then invest $700 of that check a wide variety of ways. It’s okay to withdraw money every few years for a big purchase, but at least you’ll be getting a better deal then most by buying it with money that has earned compounded interest rather then paying finance charges.
8) Sales are horseshit.
Buying things on sale usually is a bad way to save money on the purchase, unless you’ve been deferring a necessary purchase for a number of months.
9) Celebrate when the stock market goes down.
It means you can buy more stock for less money. Stock paper is just that — it has no value until you it cash it in. You shouldn’t give a rats ass about the stock market going down — except to look forward to the deals you are going to get. You shouldn’t be buying stock paper unless it’s for long-term goals, that can be sold when the market is booming.
10) Cheap, diverse investments are better then expensive ones.
Self-investing in boring, uninteresting broad-based funds are better. If you don’t understand an investment, then you shouldn’t be investing it. Have a dozen different ways of investing with different banks, different funds, and different investment types. It’s good to bet against your own investments with mutually opposing investments. If one thing goes bad, you’ll have other things to fall back.
11) Keeping buying a little bit of your investments each week, when you get paid.
The fancy financial types call this cost-based-averaging. It’s also not bad idea to wait until the market drops back down and convert some savings to stock, but be patient and wait for a good drop in the market. When people have been panicking on Wall Street for a week, that’s a good time to drop that $5,000 or $10,000 you don’t really need and toss it in the market for the hell of it — knowing that you might never get the money back — but you might also make out well.
12) Pretend money in retirement accounts and stocks, unmature certificate of deposits is totally inaccessible and for all intents and purposes does not exist.
I mean I think have a ballpark idea what is in my investment accounts, but I don’t really give that much of dang, because it changes every day. I’m betting that in 20 years it will be a bigger amount. And for all intents and purposes, stock paper is an imaginary money — as stock paper has zero value until you cash it out.
I’ve always had a bit of a fear of my blog. ✍🏻
Writing reveals something about yourself, and putting it on the internet exposes yourself for all the world to see.
While not maybe not all of the world reads your blog, you know the great damage you can do to yourself by expressing your thoughts to the world. You’ve certainly seen when celebrities and even half-bit middle managers have fallen from grace, lost their jobs due to stupid social media posts gone viral.
I generally stay away from politics and controversial matters on my blog, and a definitely don’t post controversial things to social media. But like many people, I have my views on the issues of the day, and I try to write thoughtful commentary about them on my little corner of the internet. Yet every time I write a bit, I know there is somewhat a risk, especially if my views don’t reflect the popular sentiment of the day. But sometimes it’s worth it to express oneself, especially when it’s a bit off the harsh light that social media often casts one’s words.
I have my own views. I am a conservative, and people respect me for my views. I am pro-environment, but I like my guns and the rural life with it’s cows, trees, bonfires and big jacked up trucks. I’m also a Democrat, I work for the Democratic Majority and I work hard to defend the interest of my paying clients, even if I don’t agree with them on every issues. Truth is I can’t think of a client I ever worked with which I fully agreed with on every issue, but I worked hard to get their message out and defend them politically. I don’t talk about my clients or even too much what I do professionally on the internet bar the broad strokes which are public record. You can figure out what I do for a living and how much I earn by visiting NYS Board of Elections and See Through NY, or the Assembly’s Public Information Office.
As I’ve gotten older, I enjoy less and less the public sphere, that is attending public meetings and fighting development in the Albany Pine Bush or attending protests and rallies. I generally shun newspaper columns, I don’t write letters to editor regularly, nor do I post anything political on social media. My blog while not private, is a controlled environment, where I can share my views, while controlling the format they are displayed and who can comment on each post. No name calling or inappropriate threads get started on my blog, as I have to approve comments and can delete or moderate as I so choose. Things only trend on my blog, as much as I left them trend on the feed.
This is part of the reason I thought about shutting down my blog, besides the sheer cost of running it — now hopefully defrayed significantly by advertising. I kind of don’t like how well I’ve gotten known from the maps I’ve made up over the years, it gets harder and harder to travel anonymously when people recognize Big Red parked places, along with my camping set up. At the same time, it does tickle me how many people know about my blog. Yet, sometimes I do wish I could go places, especially in the back country, without being a minor-half-bit internet celebrity.
Dollar Store Bands
Family Dollar seems to prefer poor urban areas, Dollar Tree is a more suburban brand, while Dollar General is more of a rural/small town brand.
NPR
The Federal Reserve left interest rates unchanged Wednesday, but signaled that it's open to additional rate hikes in the future, if necessary, to combat stubborn inflation.
"In assessing the appropriate stance of monetary policy, the Committee will continue to monitor the implications of incoming information for the economic outlook," members of the Fed's rate-setting body said in a statement.
The central bank has already raised rates 11 times in the last 18 months, most recently in July. That's the most aggressive series of rate hikes since the early 1980s, and leaves the Fed's benchmark borrowing cost between 5.25 and 5.5%.