When the Narrative goes off-script

Warning: disgusting content

The Australian media has taken a break from Covid hysteria to whip up a new wave of hysteria about men behaving badly in federal parliament. There was an accusation of rape committed inside the parliament one drunken night, with a police complaint being made two years after the alleged act. Then a senior politician was accused by a dead, bipolar ex-girlfriend of raping her decades ago. Yes, dead. She wrote something about these ‘recovered memories’ before she died.

So far, so Narrative-friendly. Men are bad! Believe all women!

Read More


Same energy

Warning: pointless anecdote ahead.

Sheila Estefan had no middle name, which was fair enough because ‘Sheila’ and ‘Estefan’ were enough.

She was my crush when I was 13 years old.

Sheila had come from Chile as a young child. She had beautiful, dark hair, olive skin, long eyelashes. A ready smile and well-maintained teeth. Fit and sporty. Smart. Polite. Beloved by teachers. Participated in every club and school production. A goody-two-shoes.

Other girls’ mums called her, ‘Little Miss Prim and Proper’.

Read More

Another bad idea, poor executed

In May 2020 I wrote about the Philippines’ terrible idea to close schools for a year. It now looks like stretching into two. Quotes from self:

Keep in mind that many families are very poor and lack internet access.  Even if they have it, connections tend to be slow and unreliable.  There is not a good alternative to physical lessons that will be available in the near future.

Let’s say, in an absolute best-case scenario, we develop an effective vaccine against Covid-19 in two years.  It’s probably impossible, but let’s imagine.

It turned out to be one year but the Philippines will not have the population vaccinated any time soon. In fact, my present estimate is never.

What are they doing about education in the meantime?

Read More

Word from the Dark Side – empty words, enduring enough, eager executioners, ex-rated shipping routes and elderly expats beware

Empty words:

Meanwhile, state and federal officials signal their virtue by parading around—even outdoors—in masks, as if such displays were substitutes for reopening schools and repairing the tremendous damage that has been done to the economy by pointless lockdowns and restrictions.  But this is where we are in America in 2021:  comforting pantomimes and pirouetting around a problem are now seen as substitutes for meaningful action.  No one is willing to step forward and say “enough” in the face of pointless nonsense, for fear of being called a bad name, or for fear of losing his job.  And so the public suffers as a consequence.  The situation cannot persist.  At some point, a terrible price will be paid for this cowardly withdrawal from the responsibilities of leadership.  Our military, too, will eventually pay a terrible price for its failure to assign priority to time-tested principles of combat readiness over politically-correct, delusional social engineering experiments.    

When will we reach our Falling Down moment?

For Britons, perhaps it’s the passing of this law later today, banning “non essential” overseas travel, at almost the precise point the herd/vaccine immunity makes itself clear on the official statistics.

Sorry. WHAT?

Over the 806 years of Common Law, the principle has been consistent: if something isn’t explicitly banned, it’s allowed. Look at how lightly the current crop of politicians are prepared to flip that on its head.

Previously, if a citizen (synonym; “free man“) wished to travel overseas, they would only be prevented for a small list of reasons such as to flee prosecution for a criminal offence, or there was a reasonable expectation they were intending to commit an offence overseas (child abuse, for example).

In 2021, we now have just ten reasons a citizen can cite to not be detained in domestic captivity.

Asymmetrical executioners:

Read More

Friday Finance: cash and gold

This is an extract from The Poor Man’s Guide to Financial Freedom: A Realistic, 10-Step Manual for Building Liberating Wealth on a Low to Medium Income.

Investment Categories

There are different investment categories.  Some, like cash and bonds, are better for short-term investment because they are more stable but they generally have a lower rate of return.  These are called ‘defensive investments’, i.e. they defend your wealth against the vagaries of fortune.  Shares and equivalents are better for long-term investment because, while volatile, they offer higher potential (not guaranteed!) returns and you will have time to recover from losses.  These are called ‘growth investments’ because they can increase, and not just preserve, your wealth.  You will probably need a mix of both defensive and growth investments. 

Read More

The one weird reason Thursday finance posts are going to disappear

Because they’re moving to Friday. That way we can enjoy the alliteration, ‘Friday Finance’.

Most of my readers are American so posts will go live each Friday at 9am EST.

For those in Asia and Australia too drunk to benefit from finance information on a Friday evening, maybe open it up Saturday morning instead.

For the time being, posts will be extracts from my book. Once those are done there will be other finance-related articles. So far posts are scheduled through to the end of this year.

Also available on many other platforms.

How to control society

Source: conciouslifenews.com

People often talk about how much Western values have transformed since the 1960s, an interval of 60 years, but social change can happen much, much faster than that. Cultural norms can shift in 15, 10 or even 5 years under the right circumstances.

In 2006, 49% of Americans believed that it was ‘very important’ for couples with children to be married. By 2020, that percentage had fallen to 29%.

Between 2013 and 2019, the percentage who accepted same-sex relationships rose from 60% to 72%.

Read More

‘It’s okay when we do it,’ Philippines edition

Source: nykdaily.com

Five years ago, I wrote about how lies can teach you more than the truth. So it is with this article from Yahoo News:

Rodrigo Duterte Is Using One of the World’s Longest COVID-19 Lockdowns to Strengthen His Grip on the Philippines

Yep, that nasty Duterte is using his lockdown to increase his own power while Western elites would never dream of doing that.

The whole article is an interesting mix of truth and facts used in a misleading or hypocritical way.

There are confusing variations in rules from locality to locality, however. The armed police that man checkpoints have also, at times, been encouraged by President Rodrigo Duterte to shoot lockdown violators dead.

Read More

Word from the Dark Side – cringe Covid probe, creepy cult, coordinating fake news and tooth-cracking noodles

The WHO’s investigation into the origins of Covid was a shemozzle. Read the details here to avoid the Wall Street Journal paywall:

They . . . did not understand why China had waited until a few weeks before the international team arrived to test the patients for antibodies, when they may have faded to undetectable levels.

When they asked for the raw, anonymised data, China refused.

The story reveals that none of the three experts the US government recommended to the WHO for inclusion on the team even received a phone call.

Instead, the only US representation was Dr Peter Daszak, an expert in animal-to-human virus transmission whose work with a New York-based non-profit had raised concerns among US officials and scientists about a potential conflict of interest.

Dr Daszak is the president of EcoHealth Alliance, which has in the past provided funding to the Wuhan Institute of Virology – the controversial lab pinpointed by the Trump administration as the likely source of the outbreak.

In September 2019, the Wuhan Institute of Virology deleted a public database containing information on at least 16,000 virus samples.

Dr Daszak said when he asked why, Dr Shi responded that they had been forced to take it down after about 3000 hacking attempts.

In an online panel discussion earlier this month, Dr Daszak said it was “absolutely reasonable” that the database was taken offline and revealed the team did not request to see it because he personally vouched for the lab based on his group’s previous collaboration, stating that it was not relevant to the origins of the pandemic.

Since leaving China, however, some members of the team have clarified that they lacked the access, authority or expertise – such as would be required in weapons or biowarfare inspections – to conduct a thorough investigation into the lab leak theory.

Read More

You MUST learn how to invest


This is an extract from The Poor Man’s Guide to Financial Freedom: A Realistic, 10-Step Manual for Building Liberating Wealth on a Low to Medium Income.

Step 8: Invest Wisely

The cautious seldom err.

– Confucius

As an adult, you need to understand investing, just as you need to know how to drive a car, eat and exercise properly, wipe your bottom, or be able to independently support yourself through paid employment.  No one is exempt. 

Read More

All the way down

Review of Under the Nihil (pronounced like the river Nile), by Andy Nowicki.

Many saints are lunatics.

Catholic figures such as St Catherine of Siena seem driven by inner demons that combine with contemporary values. The same might be said of secular martyrs – soldiers who insist on doing ever more tours of duty in some unwinnable hellhole; Western doctors choosing to work in African war zones; animal shelter ladies. Julian Assange, Edward Snowden.

A normal person lives his life, tries to get a job, get married, raise kids and pay off the house. He might give twenty bucks to the Salvos at Christmas, help the odd beetle back onto its feet and consider himself a good sort. For the average person, it is enough to obey the law and not to be too obnoxious.

The protagonist of Under the Nihil decides at a young age to become a priest. He is troubled, socially awkward, unpopular. Religion gives him strength and direction. One day, he thinks, I’ll be a priest and everything will be okay. I’ll have a vocation helping others. He prays and waits for this release from his uneasy life.

This hit a nerve.

But after years of training he fails the final hurdle: the psychological test. The seminary kicks him out because he’s nuts.

Read More

Becoming less WEIRD


I previously wrote about how those with ancestors from north-eastern Europe are WEIRD.  We are culturally unique because we are Western, educated, industrialized, rich and democratic.

WEIRD does not mean ‘white’.  Those whites on the peripheries of Europe, outside the Hajnal Line, are not WEIRD.

Most of the letters in the acronym could apply equally to the high-trust Asian Tiger societies, but they lack our extreme egalitarianism, guilt complex, and low consanguinity and ethnocentrism.

Over time, WEIRD people built the richest, freest, most creative, dynamic and technologically advanced nations in history.  That is changing.

The Decline

Read More

More woe for women

The entirely avoidable tragedy of COVID-19 vaccines and pregnant women

Medicine has a long history of systematically excluding women from trials of potentially life-saving drugs.

Now pregnant women find themselves excluded from the life-saving benefits of a COVID-19 vaccination. Because they were not part of clinical trials, we cannot know with certainty if vaccines are safe and effective for them.

Because pregnant women and their unborn children tend to be more vulnerable to side effects. Drug trials are generally conducted on the most robust members of the population in order to minimize risks.

The article adds that pregnant women push up costs through the need to follow up on their kids once born and increased insurance costs, but these are related to the point above.

Excluding the vulnerable from drug trials does not count as being mean to the vulnerable.

Read More

Word from the Dark Side – Blue Anon, bellicose Dems, boxed-in thinking and bloody Cheapoair

Source: https://wallpaperaccess.com/trippy-woman

Google deranks Blue Anon:

#BlueAnon is a term to describe libs and their obsession with Russiagate and other conspiracy theories . . .

. . . [It’s] even banned from the Urban Dictionary, which has definitions for multiple extremely offensive terms whose repetition on Twitter would rapidly lead to my suspension.

It’s back up on Urban Dictionary. Probably SJWs flagged it so the algo made it disappear, then it got reinstated after review. There’s some pretty ripe stuff on UB, which is the point. Didn’t everyone giggle insanely while looking up rude words in the dictionary at school? That’s what they’re there for.

Interesting: the ideal number of children wanted by liberals and conservatives is about the same and has barely changed since the 70s. It’s long been 2.5 for everyone. What has changed is that the actual number of kids per family used to be higher than the ideal and now it is lower:

Read More

Future dollars


This is an extract from The Poor Man’s Guide to Financial Freedom: A Realistic, 10-Step Manual for Building Liberating Wealth on a Low to Medium Income.

Future Dollars

Most readers looking at retirement will be thinking of doing so some years down the track.  That changes our calculations because we need to be thinking in future dollars rather than present dollars. 


Read More

The fair weighting of laws


Big business got too many free kicks in 2020, and it wasn’t the first time.

Amazon, major supermarket chains and big box stores have been able to keep operating while many small businesses have been closed down.

The big boys have also been getting obscene amounts of ‘stimulus’ from the government while little guys got bugger all.

Here are a few random ideas that might even things up a bit. I have no idea if these are good ideas or not, nor whether they are practical. With that said, here we go:

Read More

Birthing in colour

I don’t like to be a wowser about people saying racially charged things, but even for me this Twitter thread was a bit much.

Have a read and see what you think:

1. On –/–/2020 I gave birth to the cutest boy ever, —- Jr. I felt safe, heard, and respected. The women on my left [in the photo] (OB-GYN and L&D RN) played a large part in why I have a testimony of a non-traumatic birth experience as a White woman. I will tell you why. A thread : 1/10

Read More

Word from the Dark Side – military dullards, mandatory dating, Monahan II and messy priests in Japan

US military officers are getting dumber:

High IQ is especially important in commanding positions and in the more “g loaded” services. According to a 2015 paper by M.F. Cancian and M.W. Klein, it seems to have been going rapidly down even before the diversity drives of the 2010s. The cognitive performance of US Marine officers has seen a 10 IQ point decline between the 1980s and 2010.

Date the lady of colour, bigot:

Read More

How to escape the rat race


This is an extract from The Poor Man’s Guide to Financial Freedom: A Realistic, 10-Step Manual for Building Liberating Wealth on a Low to Medium Income.

Escaping the Rat Race

If you don’t want to wait until you’re old to retire, you can still use the same calculators.  Set the age of retirement earlier and see what the numbers say:



If you want to do the math yourself, it works like this: In general, if you can live off four percent of your savings then that nest egg should last you a very long time, probably until death.  We will get to the important provisos in a moment.  First, let’s look at an example.  Say you want to retire today on $50,000 per annum.  Nice, hey?  Let’s calculate:

Read More

The ancient struggle

Source: https://www.rappler.com/nation/the-missing-spanish-period-watchtowers-ilocos-norte

A stone’s throw from my house there’s an old Spanish watchtower. It’s similar to the one in the photo but made of large, coral bricks and is even more overgrown.

During the Christmas celebration in the park I heard about its history. Long ago, Moro raiders would come and kidnap people from the area into slavery. When the Spanish arrived they built forts like this to hold them off and the attacks diminished, leading to an increased population as locals took advantage of the security to develop the area.

The clergyman giving the speech gave all the credit to the Church, which seems a bit unfair to the guys with the guns.

I remembered that these days the Moro continue to steal people from other islands, though now it is to hold them hostage. Foreigners are often targeted as their families may be able to pay a larger ransom.

Read More