Today we’re straying off money economics and delving into the topic of investing in a sport.  And why not? Investing your time into learning a sport is as valid topic as investing ones money.

You’ve heard time is money and spending the time to learn a sport, much like investing, must have some sort of payback. The obvious payback to any sport, besides the lucky few who make oodles of money from it or become famous (think the NFL or NBA), is the enjoyment one gets from playing. The investment part is how much work (practice) is required to be able to get good at it and subsequently enjoy enough to make the time learning it worthwhile.

Some may call it a learning curve and we have all tried one sport or another. Some sports we have stuck with, others we may have given up for whatever reason.

Obviously the harder a sport is to learn, the flatter the learning curve. I’ve played a number of sports and spent literally decades in martial arts. So much so I earned my instructors license in a hard style of Karate and was good enough to make it on a college university Karate team. I also ski and play golf, racquetball, tennis, football, baseball and host of other sports.

One of the flattest learning curves I have ever experienced (in other words the hardest sport to learn) was windsurfing. This particular sport was so hard to learn if I had been any older (I was in my mid 20’s) I would have given up. But I learned it after hundreds of dunks and was so exhausted falling off and getting back on the board, I must have burned a million calories. I did after much pain, learn and enjoyed it immensely.

On the flip side about two years ago I was introduced to the game of Pickle ball.

Having played racquetball for decades, and tennis, upon picking up a pickle ball racquet, I found it the easiest game on the planet to learn. Being the fastest growing sport in the country, obviously many others have found it easy to learn and get proficient at it as well.

How easy is pickle ball?

Literally stupid easy.

So easy in fact, it seems everybody claims to be an expert at it. I have to admit, I have met more people I know that play this game, and although I haven’t played it more the handful of times, my racquetball experience has bled over to pickle ball and I will bet anyone willing to play me I can either beat them or give them one hell of a game. It’s that easy, at least for me.

I think I’ve figured out why so many tennis and racquetball players, and indeed the average Joe and Jane are gravitating to pickle ball. The investment in time to learn it is minimal.

Literally anyone who plays it can get proficient at it in a surprisingly short amount of time. That’s one payback. There are many others that keep people coming back.

Unlike tennis, one gets a lot more hits at the ball without having to chase the ball very far.

Pickle ball is like giant ping pong, played with a whiffle type plastic ball and oversized wood or plastic paddles. This means the ball doesn’t go very far and you can whack the hell out of it.

The court is dinky so the distance from one end to the other is but a few steps. That means both old and young, able and un-abled bodied people can play. I’ve seen people with oxygen tanks on the court, people with limps and bad knees and older women who can seemingly barely move be able to give a competitive game.

The rules are simple and I think the real hooks are it is, like I said, stupid easy, and one gets ten times the hits per minute than any other racquet sport. You also don’t have move much and did I mention its crazy fun?

In investing terms, the payback far outweighs the investment. And people from all walks of life are picking up a paddle and trying it.

You can contact your local pickle ball club through the national website at https://www.usapa.org/.

There are clubs literally everywhere and more and more cities are putting in courts. Compared to tennis and other sports, pickle courts are small and inexpensive to build and maintain, and everywhere I go it seems there’s somebody playing and it’s easy to rotate in wherever you go.

There is a downside to this sport however, at least for me.

Since it’s so easy, everybody thinks they’re an expert, and you’ll find more than a few people will be willing to step in and help you out sort of speak.

However for a person like me who has spent his whole life playing a variety of sports, I find the constant kibitzing quite irritating.

Yea, I got it. You hit the stupid ball.

Pickle ball. Give it a try. You’ll love it.

Marc Cuniberti hosts “Money Matters” on KVMR FM aired on 66 radio stations nationwide. He is a financial columnist for a variety of publications. Marc holds a BA in Economics from SDU with honors 1979. His website is moneymanagementradio.com and he can be reached at (530) 559-1214. Visit him on Facebook (FB) under Marc Cuniberti and also on the "Money Matters” and “Money Matters Investing in Community" FB pages and You Tube. The views expressed are opinions only.

Laddering

 

Laddering is a strategy investors can use in a variety of asset classes. Laddering is structuring a number of similar assets with differing time periods or maturity dates. In my opinion laddering is best explained by using Certificates of Deposits (CD) that you would get from a bank. 

To ladder a group of CDs, an investor would buy a group of CDs with differing maturities.  Typical lengths of CDs are 21 days, 1 month, 3 months, 6 month, 7 months, 9 months, 1 year, 2 year, 3 year, 5 year, and 10 years. There are 11 CDs above with 11 different maturity dates.

An example would be to buy one CD of each length above. This would mean the investor would have a CD coming due according to the maturity dates above. This accomplishes two things. It means the investor would have cash due him when each CD matures, continually making cash available for up to 10 years with 11 dates in total had the investor bought all the CDs listed. Of course not all 11 have to be bought. An investor could buy as many or as few as he desired. In addition to having an amount available at every maturity date, the investor would get a different amount of interest paid to him with each CD. The longer dated ones would usually pay a higher amount with the shorter duration paying less. This is not always the case such as when the yield curve inverts, an event typified by shorter maturity dated CDs paying more than longer dated ones but that occurrence is rare and is a story for another day.

Although the longer dated CDs pay more interest, they are more susceptible to movement in the economy’s general interest level. Since your interest rate on a CD purchased is locked until the maturity, when rates rise for example, you can buy the higher interest rate CDs when each of your CDs matures. If interest rates fall however, you longer maturity CDs would look more attractive, as the higher rates they pay are locked in.

Laddering can also be used on annuities. In this case, an investor would buy a handful of annuities with different payment conditions, different maturity dates and perhaps even differing “gearing” to an underlying index. In other words the investor buys a handful of different annuities. Since annuities come in a variety of structures and there are literally hundreds available, selecting a few different ones might provide an additional level of performance based on what happens in the markets.

Although how one sets up a ladder on whatever asset class they choose will take some knowledge, your investment advisor or some time spent in researching what is available and how laddering works might go a long way in accomplishing better diversification in your portfolio.

Laddering can also be used on a variety of what is called fixed income investments such as individual bonds, mortgages and other types of debt instruments. In simple terms, buying a variety of time sensitive investments with different maturities and conditions might be preferred over owning a lot of just one thing.

Laddering may not necessarily prevent losses. This is not a recommendation to buy or sell any securities. Investing involves risk depending on the type of investment. Consult with a financial professional before making any investment decisions and do your own research before investing.

This article expresses the opinions of Marc Cuniberti and are opinions only and should not be construed or acted upon as individual investment advice. Mr. Cuniberti is an Investment Advisor Representative through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Marc can be contacted at SMC Wealth Management, 164 Maple St #1, Auburn, CA 95603 (530) 559-1214. SMC and Cambridge are not affiliated. His website is www.moneymanagementradio.com. California Insurance License # OL34249

Shaft

 

Starring: Samuel L. Jackson, Jessie T. Usher, and Richard Roundtree

Rated: R Runtime: 1 Hour 51 Minutes

4/5

            A young FBI data analyst seeks out his estranged father to help him solve the death of his friend. During the course of the investigation father and son bond over investigative tactics and shared danger.

            Shaft, Earns four out of five, Fight Dancing Monkeys. The story is solid, and the acting is fun to watch. I can’t wait until Samuel L. Jackson does a musical. The movie has good flow with unapologetic action and themes. I like how the title isn’t Shaft Two, or  Shaft: the Reckoning, it is just plain Shaft. There is more than a little cussing and less than a lot of nudity, so you fine folks with standards have fair warning. My only regret is that I wasn’t able to see it sooner.

Jul12019

By Boots Johnson

 

We remind those who salmon fish of the upcoming opening on July 16th. The limit is back to two salmon due to the run this year being better than last year.  During the early part of the season we like to try spinners, spoons and plugs.

We have reports that the kokanee salmon bite is outstanding at this time at Bullard’s Bar Reservoir with limits common.

The Department of Fish and Wildlife planted catchable trout last week in Philbrook Reservoir and Sly Creek Reservoir in Butte County. Stumpy Meadows Reservoir in El Dorado County. In Nevada and Placer Counties: Boca Reservoir, Donner Lake, French Meadows Reservoir and Sugar Pine Reservoir. In Plumas County trout were placed in Antelope Reservoir, Bucks Lake, Little Grass Valley Reservoir and Sly Creek Reservoir. Boca Reservoir, Gold Lake and Upper Salmon Lake received fish in Sierra County. Deer Creek and the South Fork of Battle Creek, located in Tehama County also received plants.

As expected, Whiskeytown Reservoir is putting out some nice sized Kokanee Salmon. Some of the fish are 18 inches or larger and are being caught at around 25 feet on down.

July 6th, which also is my birthday, is the first of two FREE FISHING DAYS in California. Anyone can fish for any fish in the state on this date.

The Feather River is finally starting to drop which means the striper fishing will more than likely slow down and most of the fish will head down river and back to the Delta.

Summer has arrived in the Sierra Nevada Mountains and most lakes, reservoirs, streams and rivers will be or already are accessible for fishing and hiking. Expect to still find snow above 7000 feet.

Closing thought: “Life Does not have to be perfect to be wonderful.”

            Independence Day is this Thursday, July 4th and the Foothill Volunteer Firefighters Association has big things planned. The hamburger/hot dog barbecue dinner and Kids Fire Muster Event will start at 6:00 pm with the raffle beginning at 7:00 pm and the fireworks at 8:30 pm. The Kids Fire Muster will be for all kids ages 5 to 17 and the age groups will be divided into 5 – 7, 8 – 11, and 12 – 17. There will be a Water Brigade, Hose Roll and Water Balloon Toss. Sounds like great fun!! Come on down to the Foothill Firehouse located at 16796 Willow Glen Rd. and celebrate the hard-fought independence and freedom of our blessed Nation.

            Saturday, July 6th, Geney Holley will hold a scrapbooking project event at Books & More from 10:00 am to 12:00 pm. If you are interested just bring your memories and stop on by to join in on the fun and laughter that usually breaks out during the crafting classes. Books & More is located on Willow Glen Rd. in Brownsville.

            Just a reminder that the Old West Trio will be bringing their western harmony to Lucero Vineyards & Winery on Sunday, July 7th. The event starts at 4:00 pm and tickets are $20.00 per person. Contact Marian Lucero at 530-632-5076 for tickets or more information. Lucero Vineyards & Winery is located at 10654 Texas Hill Rd. in Dobbins.

The Brownsville Classic Car show will be held in the Historic Chestnut Grove, 8979 La Porte Rd. on July 13. This show benefits Autism Speaks and will include raffles, food and a DJ. The goal for Autism Speaks is the change the future for all who struggle with an autism disorder. Admission is free and one gets to see many beautiful restored autos as well as visit with neighbors, have lunch and enjoy the shade of chestnuts. Anyone needing information please call Linda Wooldridge 530 675-9060.

            We would like to start up Next Step again for a couple of reasons. To have a community car taking people to the Farmer's Market, Stone soup or even to town would be great. However, that takes money and dedication. Can we raise both? Having a Bingo game at the Farmer's Market would be a start. If we could find volunteers to run the game on Saturdays from 11 to 1, or so, would give us that start. There are also other projects proposed by Next Step that could use attention. If you or someone you know might want to help out, please stop by Books & More or call 675-3275 and talk to Yvonne.

            Look Back in Time – In 1925 Dobbins residents voted to double the road taxes from 50 cents to one dollar a year to fix the roads (if only!).

            Hope to see you in Brownsville soon.           

             Christine and Yvonne

 

Upstart Representative Alexandria Ocasio-Cortez (AOC) and Presidential candidate Senator Elizabeth Warren have sent a letter to Sears’ former CEO Eddie Lampert, criticizing him for his efforts to avoid repaying Sears for $43 million in severance to the retailer’s workers. A war of words and accusations between Lampert and the now defunct Sears Holdings has Lampert claiming the pay back to employees is no longer valid. The argument stems from Lampert’s acquisition of the beleaguered retailers assets.

Lampert bought Sears assets through an affiliate of his hedge fund ESL. Lampert as its CEO headed up Sears as it spiraled into chapter 11. The original deal, which saved the company from total liquidation, also stated that Lampert would reimburse Sears severance costs for workers who lost their employment in the bankruptcy. Further muddying the waters is the fact Steven Mnuchin, Trumps secretary treasury, was on the board of directors at Sears and now both him and Lampert are being sued by Sears. Adding more conspiracy to the story is the additional fact that Sears bankrupt pension were taken over by the Pension Benefit Guaranty Corporation (PBGC), an organization that helps administer and settle pension’s claims from involvement members. It just also happens to be overseen by Mnuchin, as well as the secretaries of commerce and labor.  You can’t make this stuff up.

Now that the smoke is clearing, or just starting to clear as the case may be, Lampert and his firm are claiming Sear’s part of the deal is suspect and he may not pay the severance pay.

Yes it sounds complicated and it likely is, but my point is not the bankruptcy itself but the camel nose insertions by Warren and AOC, who for all intents and purposes, probably know less about Sears and its acquisition then the lowliest assistant accountant in any one of the number of firms that are handling the Sears mess.

Likely based on more of a political pulpit than an employee related one, although Warren has bankruptcy knowledge by study, AOC probably leans more into the personal experience aspect of the mechanism. Not to say she’s filed bankruptcy, she hasn’t, but her net worth of only a few thousand (Weeklystandard.com) mostly stemming from a bartending job gives little reason to think she knows much about a corporate bankruptcy such as a size that is the Sears liquidation. More likely she is exercising her well known talent of riding the political bandwagon and shooting off her now infamous mouth.

The point here being is that both the army of Sears lawyers and accountants along with the Lampert’s many CPA’s together with the bankruptcy courts will get to the bottom of this and probably get pretty close to if not spot on to the truth and who is possibly screwing who.

That Warren and AOC are joining forces, both of whom recently appeared together in their own version of a propaganda video on the Sears issue, the question should be asked is exactly what, besides more dissent, is their goal here?

Like I said, the armies of lawyers and accountants that are likely to see all the financials will bring their findings to the courts and then the courts will decide. That Warren and AOC are attempting to stir up controversy because one of the people involved is a cabinet member of the current administration is typical of the political maneuvering that is common among those that practice such things.

Warren and AOC can’t possibly help the financial forensics. The accountants and lawyers involved would never permit it. What Warren and AOC can do is cause more hate and polarization that many claim has become the cornerstone of their party’s strategy. In more common language, they love to stir the brown stuff.

Marc Cuniberti hosts “Money Matters” on KVMR FM aired on 65 radio stations nationwide. He is a financial columnist for a variety of publications. Marc holds a BA in Economics from SDU with honors 1979. His website is moneymanagementradio.com and he can be reached at (530) 559-1214. Visit him on Facebook (FB) under Marc Cuniberti and also on the "Money Matters” and “Money Matters Investing in Community" FB pages. The views expressed are opinions only.

By Don Rae

 

  • * Stephen Franks keeps us informed of idiotic bills crawling like cockroaches through our State Capitol. “A bill that prohibits California from authorizing new oil and gas infrastructure on state public lands, AB 342, moved on to the Senate.  A bill that would require smog checks for semi-trucks, SB 210, moved on to the Assembly. A mandated buffer between new oil wells and homes and schools, AB 345, failed in the Appropriations Committee, but it will be considered in 2020.”
  • * Newsom wants $10.5 billion from electric rate payers to cover wildfire damage. Why should those who do not live in fire-prone areas pay for the damage of those who choose to live where wildfire is more likely to put their lives and belongings at risk?
  • * Canada has some of the strictest gun laws in the world. Go to the Canadian border and be told that if you are caught with a pistol, it’s off to jail for one year. Where are all these folks getting weapons in Toronto to shoot up a victory parade? Even the most severe gun laws do not work.
  • * AOC says the US is running concentration camps on the southern border. In real concentration camps people are brought against their will. The people at the border travelled there of their own free will.
  • * No matter how much Congress spends on the border, it is wrong for the taxpayers to be footing the bill. We should keep the tariffs going under the bill is paid.
  • * The idea of people who never owned slaves paying money to people who never were slaves is simply another entitlement to keep Blacks voting for Democrats. The idea is locked and loaded today and stinks worse than a skunk.
  • * Democrats in California will not be satisfied until they receive 100% of all votes in all elections. That result is what they call Democracy. AB693, on its merry way to becoming law, allows same day registration and the use of a non-provisional ballot. Honest votes are not wanted. Corruption is a positive moral value. Totalitarianism is digging its way out of the sewer. Welcome to California.
  • * Have you ever noticed how “moral” all the Hollywood crowd is? Yet all their products are filled with gun violence and sexual promiscuity.
  • * The “eugenics movement” advocated public policies to manipulate the population to produce what the movement feels is to be a public that is genetically superior. Supreme Court Associate Justice Clarence Thomas is, once again, under attack due to Thomas’ opinion in Box v. Planned Parenthood of Indiana and Kentucky, recently considered by the Supreme Court. According to the Indiana law doctors must inform women that “Indiana does not allow a fetus to be aborted solely because the fetus’s race, color, national origin, ancestry, sex, or diagnosis or potential diagnosis of the fetus having Down syndrome or any other disability. Liberals cried “foul” when Thomas rightly observed that abortion based on race, sex or disability amounts to giving constitutional protection to the eugenics movement because he struck the highly sensitive note that liberals want to stand in God’s place. Liberals demand to define and decide who lives and who dies.In other words, bureaucrats decide who’s worthwhile to have around and who’s not.
  • * The Ninth Circuit Court of Appeals has ruled that private property does not exist.  They ruled that unions can trespass any time they want to harass workers and managers of private companies. Cedar Point, which raises strawberry plants, alleged organizers from the United Farm Workers union came on its property, without notice, and “disrupted work by moving through the trim sheds with bullhorns, distracting and intimidating workers.”  First the farmers. When will it be your business? In California the unions own your business.
  • * According to scientists who actually know something about the subject, tell us that sea-level trends “vary considerably because they depend not only on the average global trend, but also on tectonic movements of adjacent land. In many places vertical land motion, either up or down, exceeds the very slow global sea-level trend. Consequently, at some locations sea level is rising much faster than the global rate, and at other locations sea level is falling. One example is found in Stockholm, Sweden. There is no rise. In fact the sea-level is falling due to regional vertical land motion. Water intrusion problems around the Chesapeake Bay in Virginia and Maryland are also not due to sea-level rise, but instead to land subsidence (the sinking of the land surface) from human activity such as groundwater depletion. The author (renowned Swedish sea level expert Prof. Axel Mörmer) published in the International Journal of Earth & Environmental Sciences, dumps lots of cold water on the premise that today’s sea level rise is caused by man and is unusual. Mörmer’s paper looks back at the last 500 years of sea level rise and shows that natural variables are the major drivers, and not man-made CO2-driven global warming. (Oh, by the way, this was published in 2017).
  • * According to recent writers “the best available data” shows “evidence is lacking for any recent changes in global sea level that lie outside natural variation.” The investigators point out that if the negative effects of the claimed rise in sea level, such as a loss of surface area, were to be visible anywhere, it would most likely be in the small islands and coral atolls in the Pacific Ocean. However, research indicates many of these islands and atolls are actually increasing in size. Simply, they are “not being inundated by rising seas due to anthropogenic climate change.” As the authors carefully state in their treatise, “Fears of an accelerated rise in sea levels caused by anthropogenic climate change are misplaced and overblown. Further, this fear mongering should not be used by policymakers in coastal states and cities to advocate for policies that would seek to limit or eliminate carbon dioxide emissions.”

Hearing focuses on soil health

Programs to benefit soil health should be "locally focused and producer-led," according to a California Farm Bureau Federation officer who testified before Congress Tuesday. CFBF First Vice President Shannon Douglass told a House subcommittee about soil-health practices she uses on her Glenn County farm. She said programs to encourage similar practices should be flexible, incentive-based and backed by up-to-date research.

 

 

Nutria eradication efforts may get boost

Additional resources may be on the way, to help control and eradicate an invasive rodent. More than 500 nutria have been trapped in Central California. The creatures threaten crops, levees and other water systems. The new state budget passed by the Legislature includes nearly $2 million to boost nutria eradication work, and members of Congress have introduced a bill to revive a federal eradication program.  

 

Cherry losses reach disaster status

Losses to cherry crops caused by springtime rains have led at least three California counties to file or consider crop-disaster declarations. San Joaquin County says more than half its cherries were lost to the storms, and has filed a disaster request. Madera and Stanislaus counties will likely do so, too. Ultimately, a disaster decree from the U.S. Agriculture Department could qualify affected farmers for low-interest loans and other aid.         

 

Walnut promotions emphasize heart health

Encouraged by results of a retail marketing campaign focused on heart health, the California Walnut Board says it plans to expand the program nationally. Advertisements and in-store displays promoted walnuts as a heart-healthy food during American Heart Month in February. The Walnut Board says improved sales in test markets this year will lead to nationwide expansion of the program next year.

 

    • * The Democrats believe so much in carbon credits that they felt it necessary to raise gas taxes up to 72 cents a gallon, by the first of the year. They demand that the rest of us clap our hands in glee over having our transportation cost more than we could ever afford. Of course, the tax is not the only slap in the face to the community, $500 million a year is going to be given to the “train to nowhere.” It’s like flying a planeload of cash to Iran. And to make the case stronger, the evidence shows that carbon credits haven’t offset the amount of pollution they were touted to accomplish.  
    • * The entire Carbon credits scam gave polluters a pass to keep emitting CO₂, but the forest preservation that was supposed to balance the ledger never occurred, Propublica reporter Lisa Song wrote. “It is a Socialist scam to lie to the people about the environment, the climate and then force us to sacrifice to make politicians and special interests rich.” reports Stephen Frank. The party only asks for money with little or no cogent information.
    • * California legislators apparently don’t recognize the 2nd Amendment of the Constitution. Stephen Franks writes: “Below is an alert about anti-gun legislation that is moving quickly in Sacramento.  It is time to take action. The grassroots need to take action.  It is our basic right to protect ourselves, our families and community that is at stake. Assembly Bill 12, sponsored by Assembly Member Jacqui Irwin (D-44), would extend the duration of California’s “gun violence restraining order” (GVRO) law from one year to a period of up to five years. Meaning a person could be prohibited from owning and possessing firearms for five years at a time without ever being adjudicated mentally ill or convicted of a crime, but based on third party allegations.
    • * Assembly Bill 61,sponsored by Assembly Member Philip Ting (D-19), would expand the list of those eligible to file “gun violence restraining orders” (GVRO) beyond the currently authorized reporters which include immediate family and law enforcement.  The new list is expanded to employers, coworkers and employees of a secondary or postsecondary school that the person has attended in the last 6 months.  GVRO’s can remove a person’s Second Amendment Rights, not based on criminal convictions or mental adjudications, but based on third party allegations often without due process until weeks after a person’s rights have been suspended. Senate Bill 220, sponsored by Senator Jerry Hill (D-13), would further increase the mandatory storage and security requirements for licensed firearms dealers. California already has some of the strictest laws in the country regarding how dealers must store and secure firearms.  This bill simply places more costs and mandates on law-abiding business owners.
    • * Assembly Joint Resolution 4, sponsored by Cecilia Aguiar-Curry (D-4), would encourage Congress to adopt the Background Checks Act of 2019. Assembly Joint Resolution 5, sponsored by Reggie Jones-Sawyer (D-59), would urge the federal government to adopt universal firearm laws using California as an example."
  • * The brilliant Bernie Sanders says we are “delighted” to pay more taxes for free health care, etc. If he really believes that stupid statement, he needs to head back into the Vermont woods and disappear.
    • * Why do Canadians come to the USA to get needed serious medical treatment? If their socialized medicine is so great, then they should get their appointments and life-saving treatment at home. The answer is simple. Socialized medicine is a farce and a killer.
    • * California courts say it is okay for prisoners to have small amounts of marijuana, so long as they don’t inhale. How utterly insane.
    • * True or not? ICE gives out free classes on how to present yourself if you are a transgender illegal invader. It’s your tax money. Answer this one, Garamendi.
  • * Maxine Waters needs to add to her one word vocabulary. “Racist” is getting worn out. Oh, she has a second useless word – “impeachment”.
  • * PGE will take the hit. It won’t be the politicians who allowed building homes in dangerous areas. Nor the environmentalists who won’t allow proper forest management. Nor the people who bought land in the wilderness and demanded electricity. So, everyone else, who are not guilty of any of these risky decisions will end up paying for the foibles of others.
  • * Is there anything Government does that makes sense? L.A. spent $619 million on the homeless crisis and as a result there are 16% more homeless in the County and 12% more in the City. That money was well used, wasn’t it? 
  • * Typhus is expanding in downtown L.A. What is the Democrats’ answer?  Outlaw pesticide that controls rats, making it worse.  Continue to raise taxes, and beg illegal invaders to pour into the State. To top it off, Newsom is luring begging women to come to California to kill their babies. The Golden State?
  • * Were you aware that the NFL hands out $20 Million in Grants to Social Justice Causes. You want to make a contribution to some social justice organization, buy a ticket to an NFL game and you will be supporting racism, bigotry and hatred.  The Fake News media is keeping this political activity by the NFL silent, in hopes that the public does not catch on.  Pass this along to let folks know the NFL has decided to finance Democrat Party causes.
  • * Assemblyman Evan Low, Democrat, is seeking to make it the official position of the State that “religious groups” are the cause for “disproportionately high rates of suicide, attempted suicide, depression, rejection, and isolation amongst LGBT [lesbian, gay, bisexual and transgender] and questioning individuals.” Low’s ACR 99 declares that “religious ministries, counselors and therapists cause harm to people wishing to seek help with their sexual desires.” The resolution labels such help as “ineffective, unethical and harmful.” So much for freedom of religion and psychological counseling in California.
  • * A Canadian research team tells us that men with more masculine facial features tend to be less interested in environmentalism than those who lack such features. Men whose voices are regarded as more manly are also less concerned about preserving and protecting the natural world, the “research team” finds.   Isn’t there anything better to research than tripe like this?
 
 
 

 

Motorcade for Trade rolls out support for USMCA

Promoting their Motorcade for Trade, an organization favoring enhanced agricultural trade visited Sacramento Tuesday as part of a swing through California. The Farmers for Free Trade group has been traveling across country in support of the U.S.-Mexico-Canada Agreement. The group says the agreement would stabilize agricultural trade among the three nations. Canada is the No. 2 market for California agricultural exports, and Mexico ranks fifth.

 

Wildfire preparation gains higher priority

With summer starting and wildfires already punishing California, authorities encourage people to be prepared. They say the advice may be familiar, but the urgency has intensified. Observers say rural residents should be ready year-round with an emergency evacuation kit and other preparations. State and federal agencies are working on fire-prevention projects that include vegetation clearing, creation of fuel breaks and other measures.

 

Peak apricot season arrives

Harvest ramps up this week for California's main apricot variety, the Patterson. Farmers say they expect the state's apricot production to double this year--and they're looking for buyers for all that fruit. Most apricots are sold for canning, drying, jams or other uses, but demand from processors has declined. Some fruit that had been destined for processing may be sold fresh, but sometimes isn't suitable.

 

California-grown flowers compete with imports

To compete with imported flowers, California growers emphasize freshness and grow specialty or heritage varieties. The California Cut Flower Commission estimates three-quarters of domestically grown flowers come from California--but the vast majority of the flowers sold in the U.S. are imported from other countries. The commission held a Field to Vase dinner on the grounds of the state Capitol to highlight California-grown flowers.

 

Starring: Chris Hemsworth,

 Tessa Thompson, and Kumail Nanjiani

Rated: PG-13 Runtime: 1 Hour 54 Minutes

4/5

            A woman seeks out a secret organization that protects the earth from extraterrestrial danger. Once she joins, the Men in Black, she quickly finds herself fighting to save her new job as well as all life on Earth.

Men in Black: International, earns four out of five, Well Hydrated Monkeys. The story was decently written and spread out on the big screen with the spatula of good editing. The acting was well performed. The special effects are great and just out of phase enough to keep the feel of the Men in Black vibe going.

            This is the fourth movie in the Men in Black franchise and is definitely one of the better ones. The characters are smart and have knowledge of things in their universe that is refreshing to see. Some movies the characters are oblivious to things that if they actually lived in the world of the story they would know. This movie is certainly worth a trip to see on the big screen. 

Jun242019

 

             

Our annual trip to Lake Tahoe proved to be both outstanding and excellent fishing. We boarded the Hopper 4, a 28 foot fishing boat out of the marina at South Shore just prior to 6 A.M. The Captain advised his first mate that we would get underway at 6 A.M. and we did just that, heading out into beautiful Lake Tahoe. As the boat broke the perfect mirror surface of the lake we all enjoyed coffee and breakfast rolls while enjoying the magnificent scenery. We were headed for the Northwest side of the lake and arrived there after a 40 minute ride.

Accompanying us this time was Val’s daughter Laura who resides in Texas and Val’s son Mathew who came all the way from Holland. About half way to the fishing area we enjoyed music from the cabin of the boat. Also along for the ride was a fellow from Sacramento.

The first spot we fished proved to be slow so the Captain had us reel in our lines to go to another spot. About 15 minutes later we were instructed to drop our lines to the bottom of the lake and jig with live minnows. As soon as the weight hit the bottom of the lake we had fish on. Valerie caught the first fish with me not far behind. At 10:15 A.M. we had our limits of two fish each. About an hour prior to that the captain advised it would be a rough ride back to the marina and he hit the fact right on the head because we returned with high winds and choppy waters with whitecaps. As the boat moved through the rolling waves of the water the only place dry was in the cabin due to the boat plowing through the rough seas making the water flow over the cabin and into the back of the boat.

While underway to the Marina our first mate cleaned the fish and packaged them in plastic bags. Due to the wind and weather conditions it took over an hour to make it back to the marina. As rough as it was on the lake that day no one got sick and we all held on so as to not be tossed around.

Ten fish were caught with the largest fish weighing six pounds. My request to release the smaller fish fell on deaf ears which I feel was not the Captain and first mates decision, but that of the person who caught the fish.

We spent time on the white sandy beach, went of hikes, paddled in Valerie’s two kayaks around the area and enjoyed a Mackinaw Lake Trout barbeque the same evening we caught the fish consisting of a tossed green salad, the fish, garlic bread and chilled white wine.

Closing thought:  “Love is when another person’s happiness is more important than your own.”

 

About a year ago I penned an article about the recent, as in a decade or so, movements to destroy, relocate or otherwise deface historical artifacts like statues and monuments because of political correctness.

Civil war statues are moved from courtyards or courthouses, protesters deface or destroy them, sports team’s names are under fire, once famous food branding is altered or changed altogether. The list goes on and on.

My original article took the spin that an historic work of art or plaque, saying or allowing representation of, displaying or promoting, or just allowing such historic things to exist in today’s time no more says that you support whatever it was that it signified, just as removing or altering such a thing indicates that you don’t.

Here is an example to illustrate what I’m talking about:

A friend of mine got a pair of healing snakes tattooed on her leg and when I asked why, was told to represent she was healing from a past relationship. Such a story might also apply to a lovers name tattooed on one’s arm. She had one of those too. Go figure right?

The reality of it is just because you have a healing snake tattoo doesn’t mean you are necessarily healing and not having one doesn’t mean you aren’t.

The same could be said tattooing a lovers name doesn’t mean you love them anymore and not having one doesn’t mean you love them less.

Ditto for destroying or defacing, removing or altering civil war flags or statues. Just because you did doesn’t mean racism no longer exists and just because their on display doesn’t mean you support slavery.

Travel down that path and half the world’s art and artifacts would go up in a protestor’s puff of smoke.

These are historic artifacts and a part of our history, like it or not. I where we came and that applies to all Americans.  Many of these pieces are precious works of art.

So following their logic, if you could call it that, Rome killed Christians because of their religion. Obviously a restriction of religious freedom and a major violation of human rights. Shall we destroy all Roman statues or knock down the Coliseum?

Hitler attempted and partially succeeded in massacring an entire race. Shall we now destroy all the WW2 German artifacts? Or is it simply we pick and choose because of the amount of time that has passed.

 

            The Farmer's Market is doing well each Saturday from 9 to 3 with such varied offerings. In addition to produce, they have a hot lunch, kids' activities, crafts and more. A Bingo game is being planned. Each week a special happening is planned for the afternoon. Things are happening!

            Don't forget the Ice Cream Social at Yuba Feather museum on Saturday June 27 from 1 – 3. Money from these socials help support museum programs. Come enjoy ice cream and chatting with neighbors. Other socials happen on third Sunday and last Saturday during the summer.

            On Thursday, July 4, the Foothill Volunteer Firefighters Association will be hosting their annual community fireworks event. They have a fundraiser barbecue and raffle before the fireworks begin.
All funds are used to provide assistance for firefighters and their families in case of illness, accident or accidental death, and for the betterment of our community. The fireworks are donated by local community members and the firefighters set them off in a safe and sane environment. The Foothill Fire Station is located at 16796 Willow Glen Rd., Brownsville. Come join your friends, neighbors, and fellow citizens for a night of good food, and good clean fun.

            Starting Saturday, July 6, Loretta will be at Books & More with her delicious soups. If you remember the Mayflour Bakery you know Loretta's soups. She varies the selection each month and you can purchase a pint for $4.00 and a quart for $8.00. I can tell you from experience that your taste buds will be delighted.

            Also on Saturday, July 6, Geney Holley will be holding a scrapbook project class at Books & More from 10 am  to 12 pm. Books & More has a different crafter in each Saturday for community crafting classes. Come by the store for a list of the events. It is a great time for fellowship, laughter and a bit of crafting fun with friends and neighbors. Call 675-3275 to sign up or for further information.

            Books & More may have to close a bit early on Saturday, July 6. Yvonne has to leave early for a wedding and Joyce is resting from her hip surgery.

            The Old West Trio, a beautiful western harmony trio, will be at Lucero Vineyards & Winery on Sunday, July 7, singing classics from the American Cowboy and Silver Screen song boooks. Tickets are $20.00 per person and a hot dog dinner plate will be available for $7.00. Wine by the glass or bottle will also be available. The concert starts at 4:00 pm and Lucero Vineyards is located at 10654 Texas Hill Rd., Dobbins. Call Marian Lucero at 530-632-5076 for tickets and information.

            Look Back in Time – In 1904 the hotels in Clipper Mills and Woodleaf were filled with summer tourists, enjoying the hunting, fishing and reading (now we see Rvs on the road).

            Hope to see you in Brownsville soon. Christine and Yvonne

Jun172019

 

               By Boots Johnson

If you are looking for some fun try the striped bass fishing in the Feather River. Cut bait is the name of the game and you can catch fish under 18 inches all day long with a keeper or two. Be gentle when you remove the hook so as to not injure the small stripers. These hard fighting fish are the ones we will enjoy next year.

The Department of Fish and Wildlife hit Nevada County last week. Catchable trout were planted in both Fuller Lake and Scotts Flat Reservoir. Fuller is one of my favorite places to fly fish. This small lake, which is located off of State Route 20 on the road to Bowman Reservoir. The lake is accessible by small boat, a float tube or kayak.

We will be at Lake Tahoe next week and will be fishing for Mackinaw Lake trout. These fish run large in Lake Tahoe but the average fish caught is in the 3 to 6 pound range and can be found down to over three hundred feet deep.

We have reports of shad swimming in just about all rivers in the Sacramento Valley. These cousins of the tarpon are cooperation, as usual, with anglers anxious to try their luck at catching these fish who put up one heck of a fight for their size.

Kokanee Salmon, which are found in many reservoirs throughout the state,  are on the bite with Stampede Reservoir and Bullard’s Bar Reservoir producing fish on a regular basis.

We are told the Thermal to After bay at Oroville recreational area is not producing any fish due to the cold water being pumped from the bottom of Oroville Reservoir on its way down the Feather River.

Access to Gold Lake and the region around it should be open by the time the Dispatch hits the streets. Gold Lake is still almost covered with snow. This is a real surprise to many since it is mid-June.

Access roads to Jackson Meadows Lake above Truckee is still closed at this time and there is an abundance of snow here which means it is not known when the lake will be accessible.

Many anglers who went to Hat Creek recently have been disappointed at the size of the trout they are catching. Bait fishermen are not doing much as far as size of fish goes with most pan size, but the fly anglers are scoring with bigger fish at this time.

Here it is the middle of June and the It is amazing what a wet year can do for fishing. Who knows……we just might see an early salmon run.

Closing thought:  “There are friends in life and there are friends for life…….”

 

In a recent article from Money and Markets entitled “Fed: Tariffs Will Cost Average Family $831 More in 2019”, the argument was made that after the latest increase from 10% to 25% on $200 billion in tariffs on Chinese goods, the average U.S. family will pay $831 more a year for the same goods they bought last year. What the article didn’t include was the next round of tariffs on Mexican goods. Also not factored in is the rising costs of goods and services as a general result of inflation here in the United States. Indeed no one needs to remind you of the sudden increase is gasoline which pushed close to four dollars or more per gallon in recent months. This also means the approximate 6000 other things made out of petroleum will also likely go up in price.  

The average American family is having a hard enough time making ends meet and the challenging effects of increasing prices undoubtedly put more strain on some families.

Tariffs are fees put on incoming goods coming from countries outside the U.S. under the auspices of protecting the American business counterpart of whatever it is you’re applying the tariff to, and/or punishing the other country for some egregious act or violation, as the case may be.

Tariffs are not new and usually there are tariffs on a variety of imports at any one time. To the degree we are seeing them now however is something of a rarity historically.

Because the price of something in the market place is somewhat arrived at by the sum of all prices of the item with slight variances off the average price to account for local demand and conveyance, raise the price of any one major supplier of something and the price of that something will rise. Since tariff money goes to into government coffers and the consumer ends up paying the higher price, tariffs are generally believed to be ultimately paid by the consumer.

I have made the argument in a previous article that should protection of U.S. companies selling into any market where imports are sold competitively, a tax CREDIT to the U.S. company would serve the same purpose. Although tariffs raise the price of a good to the consumer and therefore make a domestic made good that much cheaper in comparison, a tax credit would enable the U.S. company to sell its product cheaper and thus better compete with the import just the same. The difference being the average cost of the good would decrease thereby lowering the cost of the item to the consumer.

I don’t hear the argument for tax credits anywhere in the media and that’s baffling. Both a tariff and a tax credit accomplish the same thing which is to punish the importer and give an advantage to the domestic producer.

As to who pays the tariff and where the money ends up is quite different thing. In the case of the tariff Washington gets the money that the consumer pays in the price increase. In the case of a tax credit, the consumer would pay less for the good and therefore have more money left over to spend on other things. In the latter, the economy would also benefit from higher consumer spending which came from the consumer having more money to spend because of the savings.

This article expresses the opinions of Marc Cuniberti and are opinions only and should not be construed or acted upon as individual investment advice. Mr. Cuniberti is an Investment Advisor Representative through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Marc can be contacted at SMC Wealth Management, 164 Maple St #1, Auburn, CA 95603 (530) 559-1214. SMC and Cambridge are not affiliated. His website is www.moneymanagementradio.com. California Insurance License # OL34249

 

 
 

 

Rural regions prepare for power shutoffs

As utilities begin shutting off power in an effort to prevent wildfires, California farmers, ranchers and rural residents plan for ways to manage the power loss. Some say they may invest in generators to maintain water pumps for livestock and crops, plus produce-cooling equipment and other facilities. Farmers say they understand the rationale for the shutoffs and hope they succeed, and that power interruptions will be as short as possible.

Late-spring storms leave damage in their wake

Onions, tomatoes, cherries and cotton are among the crops damaged by late-spring storms in the Central Valley. Farmers, pest control advisers and agricultural commissioners say the crops suffered damage from hail or from plant diseases linked to the wet weather. Observers say the crop losses may be significant for individual farmers but not widespread enough to lead to disaster declarations in most cases.  

 

Farm, food groups seek approval of trade agreement

Urging Congress to pass a pending trade agreement, a coalition of more than 900 farm and food organizations said the agreement would help U.S. agriculture while providing high-quality, safe food at affordable prices. In a letter to House and Senate leaders, the groups requested "swift ratification" of the U.S.-Mexico-Canada Agreement. The letter's signers included the California Farm Bureau Federation and more than three-dozen other California groups.

 

Nurseries track plant trends to plan greenhouse space

Tracking trends in houseplants allows Southern California nurseries to fulfill customer demand. Nursery owners say social media can help drive demand for houseplants, and note that some plants that became trendy in the 1970s are now enjoying a comeback. Keeping up with the trends requires foresight, because in some cases plants need close to a year in the greenhouse before they're ready for sale.

 
 

 

The Foothill Volunteer Firefighters Ass. is planning their fourth annual community fireworks and barbecue event on July 4 at the firehouse in   Brownsville. A raffle is being planned to help raise money to use to provide assistance to fire fighters in case of illness, accident or accidental death. If you can help this cause by donating an item, please contact Michaelle Fox at This email address is being protected from spambots. You need JavaScript enabled to view it.or stop by the firehouse. Hope to see you there on July  4 enjoying the food and the fireworks.

The Old West Trio is planning a concert at Lucero's winery on July 7 at 4 pm. Seating is limited so one might want to call for a reservation: Lucero's Winery 632-5076. The winery is located at 10654 Texas Hill in Dobbins. The cost for the concert is $20 with a hot dog dinner available for an added cost. Sounds like fun.

Have you been to the Farmer's Market yet? It is held every Saturday from 9

– 3 at Ponderosa Park in Brownsville. The choice of fresh vegetables will be increasing soon as our summer season is about here. The extras (hot lunch, a kids spot, craft items, as well as foods) are available, too. Several special events are planned for the afternoons.

The Stone Soup's Community Workshops are being planned for the next month or so. These workshops are held at Ponderosa Community Center on Thursdays after lunch (about 12:45 or so). On June 20 there will be a presentation by the Fire Safe council helping us be prepared. On July 4 Rand Collins will tell us Two Patriotic Tales, one about the Star Spangled Banner and the other about an unknown hero of the Revolutionary    War. On July 18 a lawyer will give us more information on the pros and cons of having a trust and considering reverse mortgages. Come by and have lunch at noon or stop by after lunch and join us in a workshop.

There is a new happening at Foothill Fitness in Brownsville. Dustin Goodwin is offering a Woman's Self Defense class every 2nd Saturday of the month from 6 – 8 pm. This could save your life and costs only $5.00. He has other classes, too, each Tuesday and Thursday evening. A kid's class runs from 5 – 6   and an adult class from 6:15 to 7:15. Come by and check it out.

Bookstore Boosters started the summer season with a newsletter, new art/craft workshops and a new raffle. This season's raffle will be held on August 24; that will begin the new fall season. Come by and see the items to be raffled and maybe buy some tickets. These activities help the bookstore in many ways: increase the number of people who come in, have a room to hold small meetings, and pay our bills.

Thanks to all who donated blood in June. There were enough people to stay on the list of spots to donate blood in the future.

Look Back in Time – In 1907 Woodleaf tollkeeper, Mr. Twogood, noted a man with an auto passed by (only one?).

Hope to see you in Brownsville soon.            Christine and Yvonne

 

Starring: James McAvoy,

 Michael Fassbender, and Jennifer Lawrence

Rated: PG:13 Runtime: 1 Hour 53 Minutes

3/5

John Wick: Chapter 3 –

Parabellum

Starring: Keanu Reeves,

 Halle Berry, and Ian McShane

Rated: R Runtime: 2 Hours 11 Minutes

2/5

Dark Phoenix, is the latest in a new revised time line of the X-Men series. Here an alien power is absorbed by a powerful mutant and she struggles to control it. Meanwhile her friends fail to respect her boundaries and things go badly. Feelings are hurt and lack of good communication skills lead to rage fights and only a threat from the outside can remind them of their friendship and bring them together to save the world.

            Dark Phoenix, earns three out of five, Lava Veined Monkeys. Much better than I expected and some good character growth along with dampening of some pride makes a decent story. The acting is great, and Sophia Turner does and excellent job showing the inner turmoil of her character. The effects are great. Not a waste of money if you happen to find yourself in a dark theater watching it.

John Wick

            An assassin gets put on a kill list, because he broke a rule by killing someone in the wrong place. Broken Jaw, Stab, Eye Stab, Pounding Skull Stab, Head Shot, Head Shot times a thousand, Hit by a car, Fall, Dog Bite, Stab, Stab, and Big Fall.

            John Wick: Chapter 3 – Parabellum, earns two out of five, OH My God That’s a Brutal Way to Kill Someone Monkeys. If you’ve seen the first one or two, this is much the same. The story is a bit better, but not worth paying money to see on the big screen.

 

Starring: Taron Egerton,

 Jamie Bell, and Richard Madden

Rated: R Runtime: 2 Hours and 1Minute

3/5

            A young boy finds he has a talent for the piano. He uses it as an outlet for his insecurities and it leads him down the road to fame, fortune, excess, and a deeper look at his own reality.

            Rocketman, earns three out of five, Sequined Monkeys. This is an intimate story told in a very personal manner. It holds little pride and less concern for societal opinions. The acting is pretty good and done without fear. The cinematography is unconventional and best thought of as being the inner view of, Sir Elton Hercules John.

            I found the movie interesting in its style and subject matter. It will certainly not appeal to some viewers but the intimate insight it gives to the life of Elton John and his experiences and unique point of view are compelling. It brings to light that everyone has problems and if we can look past our own long enough, we can see the pin in others. Unfortunately, I did not get a song stuck in my head as I left the theater. Should I ever meet Sir Elton John I shall endeavor to give him a hug. There are naked men in this film, so for those offended by such things, You Have Been Warned.