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Don’t do stupid video. You’ll never do stupid again. Three pages in the old testament. Highest short term rates.

CD rates are pretty good at present.

But at lot depends on your taxes. These are the top-paying CDs, according to

If you buy a one-year Treasury today, you can earn 2.42%. That’s a bit lower, but you won’t pay state and local taxes. You will pay federal taxes.

With a CD or a bank savings account, you’ll pay Federal, state and local taxes.

If you buy short-term muni bonds you’ll earn less but you won’t pay Federal, state or local taxes. That bumps up the rate.

If you live in high tax states like New York and California, you’re better off living elsewhere or buying muni bonds.

California taxes are egregious. Here’s what Google told me this morning:

California’s state income tax rates range from 1 percent to 12.3 percent. The Golden State also assesses a 1 percent surcharge on taxable incomes of $1 million or more.

Of course, you could simply buy equities, and probably make much more money. Or you could have a mix. Depends on your psychology.

Suffice, short-term interest rates are now meaningful.

Is China managed better than the U.S.?

China enjoyed a  6.4% growth in first quarter GDP. The U.S. lagged with 2.5%.

Late last year, China’s government worried about their economy. So China cut taxes, lowered short-term interest rates and revved up infrastructure spending.

China’s stock markets are up more than 30% this year.

I remember the Republicans and the Democrats both talking about needed infrastructure spending.

Tomorrow they’ll be releasing the censored Mueller report. Whoopee! Who cares?

Time to go for a walk.

Is it all over for Netflix as a stock to own?

Here’s Netflix over the past two years.

The time to buy it was two years ago or early this year. But now? Last night it reported fine earnings:

+ Earnings per share: 76 cents, vs. 57 cents expected, per Refinitiv consensus estimate.

+ Revenue: $4.52 billion, vs. $4.50 billion expected, per Refinitiv consensus estimate.

+ Domestic paid subscriber additions: 1.74 million, vs. 1.61 million, forecast by FactSet.

+ International paid subscriber additions: 7.86 million, vs. 7.31 million, forecast by FactSet.

That’s good numbers. What’s bugged Wall Street was that Netflix’s guidance for future growth and earnings was not ebullient.

If you were Netflix’s CEO would you go crazy bullish about the future? Especially with all the new competitors:

Netflix offers the best streaming content. It will continue to dominate this business. Meantime, I suspect the stock will drop more.

Put in some ultra-low bids. Maybe around $300. Yo might get lucky.

The best hotel books are booked with the hotel directly

Start with the concierge. Talk to him about his favorite rooms. Get a quote and then offer 15% to 20% less.

Logic? The hotel saves the commish it pays to Expedia, or whoever.

It always works and you get a better room.

Be wary about what you say in emails

+ You can never delete them. Your emails will always exist somewhere.

+ Someone somewhere will hack your emails. Microsoft just reported that hackers were reading some of its customers Outlook and Hotmail emails.

Emails are only good for confirming or complimenting. The rest is best done on the phone.

Skin care for cheap

There’s more nonsense marketing hype in the skin care biz than in any other.

You can pay hundreds of dollars for a tiny tube of nonsense. Or you can buy three of these (my favorite) for $17.01.

Buy them here. This is my second product push as an Amazon associate. Buy it. I need the money. And your skin needs this stuff. 

Don’t do stupid. 

You’ll never do stupid after you watch this hilarious (and clean) video:

Passover is this weekend

Passover celebrates Moses taking the Israelites out of Egypt.

Here’s how it came down:

Moses and the Israelites are escaping the Egyptians. They hit the Red Sea. Boiling and impassable.

Moses calls for his VP Engineering. “Build me a bridge.”

“No bridge. We’re in the desert. No wood. No steel. Sorry, boss.”

Moses calls for his VP Sales. “Go back. Work a deal with the Egyptians.”

The VP sales gallops off  to be nicey, nicey to the Egyptians.”

He returns quickly, “Sorry, boss. No deal. They just want us dead.”

In total desperation, Moses calls for his VP Public Relations. “Yankele, what do we do?”

Yankele replies, “Moses, see that rock. Stand on it. Lift your arms. Ask God to part the Red Sea. He will. Take your Israelites through the gap. When you get to the other side you’ll notice another rock. Stand on it. Wait for the Egyptians and their chariots and war machinery to fill the gap. Raise your hands again. Ask God to close the part. ‘Make the waters to flow.’ He will. Your enemies will be destroyed and your people can pass on safely to The Promised Land.”

Moses, skeptically: “This stuff gonna work?”

Yankele: “Moses, honestly, I don’t know. But if it does, I’ll get you three pages in the Old Testament.”


Harry Newton. Suffice, it takes a lot of time and effort in Photoshop to make a difference. My neck on the right photo is meant to be better. Not much. Needs more work. Photoshop is cheaper than botox. Maybe Crazy Glue will work?