The Year In Review

What an incredible year! The re-election of President Obama, Hurricane Sandy cleaned up the Jersey Shore, Beyonce dropped her first baby, a lot of people got shot, and let's not forget the cultural significance of Gangnam Style! But we all came through it together, at least those of us who came through it. Now that we've gone over the top stories of 2012, let's talk about the top stories of 2013 and the trends that you should look for as either investment opportunities or as a terrifying warning. I think you might be surprised at what our analysts have to say.

Commercial Real Estate Bubble: Most analysts have focused a great deal on the housing bubble, but what a lot of people have overlooked is the commercial real estate bubble which has been growing. These highly leveraged properties can't sustain their debts and the government is already tapped out so federal relief may not be available. With the economy still floundering, commercial properties dependent on retail may default causing a minor crisis. While it won't have the same impact as the mortgage crisis, it will cause a ripple effect throughout the market.

North Korean Boy Bands: With the success of One Direction, North Korea's newest leader Kim Jung-Un is likely to increase his GDP by exporting a slew of young, punctual, and well disciplined young boy bands. Rumor has it that North Korea is developing a bevy of up-tempo, assexual singers-slash-dancers to woo the hearts and minds of the West including (roughly translated): The Mao-Mao Boyzz, The Dancing Singing Joyous Car Drivers, and Cultural Revolution Sexual Time Fun Gang. If their industriousness in developing nuclear weapons is any preview for these acts, watch out!

New York City converted to a federal prison: Hurricane Sandy is only the beginning and it is only a matter of time before Manhattan is in danger of being completely submerged. It is our prediction that the city will then be walled off and used as a maximum level penitentiary for the most dangerous criminals including Slag, the notorious Brain, and of course, The Duke of New York, who is now The Duke of Leavenworth, but will most likely change his name once he establishes himself in this new prison.

Four score and seven dollars 
an hour ...

Lincoln Backlash: With the release of the film Lincoln and the slew of Academy Awards® it is sure to garnish, you may see a public outcry to repeal the 13th Amendment. Only this time slavery will not be the matter of race, but of economy. Those making less than $15,000 a year will most likely be forced into servitude and made to work in fast food restaurants, car washes, and Walmart.

Adele and John Meyer: TORC doesn't have to be all hard-hitting financial information. We like the stuff the kids are into as well! We predict singer Adele and swarthy bandolier, John Meyer will eventually have a whirlwind romance and marriage this year, only to dissolve into a disastrous divorce. Bad news for Adele, but great news for her fans, who are sure to benefit from a heart-wrenching new album!




TORC Stock Watch: TORC has had a tough last quarter, but hopes to regain strength in the new year. Share price: $1.01

Is the Pyramid Market right for you?

e coli favors the brave

The Pyramid Market has gotten a lot of bad press over the past decade, but that doesn't mean you need to fear them completely. Remember when those people died from eating food from Jack In The Box? That didn't stop a lot of us from indulging in their e coli tainted beef. In fact, they lowered their prices while scrambling to find a way to stop killing people, so those of us brave enough to play bacteria roulette were able to enjoy even MORE of their infected burgers at discounted pricing. Fortune favors the brave. This is also true for investment opportunities of all shapes and sizes, including a well-diversified pyramid portfolio.

My first investment in a pyramid option came when I was in college. I had done some research on this new and exciting fund from my roommate and he assured me that he had seen his money triple over a ten day period. Of course I was skeptical at first, but after fifteen minutes of reviewing my own bank account consisting of -22.50 (back then you could deposit an empty envelope into an ATM and withdraw cash) I decided, this was right for me. Taking the money I had for my tuition, I made an investment and then lost everything because "Sean", my investment manager, had been robbed and the fund was depleted. This is to be expected in the high-risk pyramid market, but there are signs to guide you to a successful investment. I will now share them with you.

1. The Pyramid Market isn't for everyone: Ask yourself if you have money to lose. Like all high-risk, high-yield markets, losing all your money is a possibility and the Pyramid Market is like a beautiful woman; great if you can keep her, but she can bolt at any time.

2. Get to know your pyramid market investment manager: I have made several investments in the pyramid market and it always comes down to trust. Bear in mind, however, that this market is still illegal and therefore anyone involved shouldn't actually be trusted, however, you can still set a bar for yourself. Here are some things to look to avoid in a pyramid investment manager.

• Is your manager's workspace a street corner or bar?
• Does your manager have open, visible sores?
• Is your manager armed?
• Does your manager not have a last name?

Location, location, location!

3. Tiers, tiers, tiers! the Pyramid Market is built on tiers. The lower the tier you're on, the more likely it will collapse on your head. You need to get in early and get out quick. Your percentages decrease exponentially by a factor of 10 for each tier below the top you are located. When someone tells you you'll get your money once 20 people join, you might want to consider another pyramid fund.

4. Violence. When you do become the head of the pyramid and those below you have to kick their money upstairs, sometimes there will be reluctance by your investors. Now, because this is technically an illegal activity, using legal channels may not be available to you should you need to collect on your investment. It's always a good idea to float the idea that you are not afraid to use violence from the beginning of your relationship. Visit them at strange hours at their home or work. Keep asking about their friends and loved ones with interest. Show them photographs you took of them while they were unaware. Remember, there are no contracts with your fellow investor except the one you forge from the parchment of hope and written using the ink of fear.

If you follow these simple rules, you'll be earning up to 500% on your initial investment! Now, does anyone know of someone who can get me a realistic looking college degree? Seems they don't give them out unless you're caught up on your tuition.

TORC Stock Watch: Shares are up this week due to some freelance work and a less than legal deal that paid off. Share price: $1.05

Finance Tips: Saving on your Vacation

TORC has been on vacation for two weeks and it hasn't been all margaritas by the pool and shrimp cocktails. I've been actively collecting data on some very important information for you, the reader, during this summer vacation season. Information that can save your money ... and possibly your life.

Maybe not your life, but definitely some money.

1. Emotional Blackmail: If you don't have money to travel, find people who would love to have you on their vacation and then use emotional blackmail to get your ticket. Don't be crass about it, just paint a picture of the amazing memories you've had in the past and how incredible it would be to create new ones ... if only you could afford the ticket. There are two outcomes to this scenario. The first is that they buy you a ticket and you're going on vacation! The second is that you probably aren't as close as you thought. Either you get a tan or a jolting shock of reality that will help you grow as a person. Win-win!

Yours for the taking!

2. Hotels are NOT your friend: When you stay in a hotel, you are paying for services and you'll be damned if you don't use each and every one, even if you don't need them. Staying in a hotel for me is like going on a shopping spree at Cosco. When they offer a complimentary Continental Breakfast, the only thing that should stop you from taking literally everything off that table is your pride, and let's face it, there's NO place for that on a vacation. If they've got a wall safe, call the front desk the next day and say it was broken into and all your money has been stolen. You'll be surprised at how quickly they'll pony up something. As for maid carts, imagine those to be unprotected caravans laden with treasures of chocolate, toiletries, and cleaning products as it slowly marches across the Central Asian steppes. You, my friend, are the leader of a merciless band of Huns. Sweep down upon them with all your speed and take your reward!

3. Complaining will get you everywhere: Since the invention of Yelp and every other online consumer-driven rating system, retailers have been terrified of upsetting the customer now more than ever. This is your time, consumer. Strike while the iron is hot because there will come a day (Yelp is already doing this) when service providers can pay to have negative reviews removed, and this trend will continue. Until then, use this as though you had their favorite child hostage. The tea is too cold? Threaten to write a review on Yelp. They didn't give you enough towels to replace the ones you stole? Guess what? Hotels.com would love to know about that! And there is NO WAY you rented Flying Asses IV: The Reaming and if it isn't removed immediately from your bill ... you get the idea.

Uruguay or Missouri?

4. Money conversions: Going to France, England, and Japan is great, but going to Uruguay, Kazakhstan, or Angola is cheap! Yes, amenities such as an infrastructure and safety are nice, but so is not having to go to a place where your currency is mocked. Travel somewhere that will treat you like a 19th century English Lord. Have the locals build you a hut, hunt and prepare your food, and serve as your own private security team. It's your vacation, live like a God! (This can also be true of several U.S. States such as Alabama, Arkansas, or Missouri.)

5. Make your vacation work for you: You're going away and you've got an empty home, apartment, car, or a closet full of clothes. That's wasted money, my friend. With just a simple ad on Craigslist, you can make all of that work for you. Rent everything you own. And before you do, get renters insurance so if anything gets damaged, simply mark up the value on the form and you've just made yourself a nice profit.

Those are my top money-saving vacation strategies to ensure that when you get home, you'll have more than just memories to live off.

TORC Stock Watch: Shares are up to $1.04 due to rest and relaxation. Shares are still available and due to some potential new freelance work, may rise in the coming months.

5 Muni Indicators to Financial Success!

This summary is not available. Please click here to view the post.

The Future of the Municipal Bond Market

Hover-Cybodroid® Unit 4476

Greetings from the horrifying nightmare of your future. I am Hover-Cybodroid® unit 4476. I have traveled through time to speak to you, the beings of the 21st century, regarding a dire situation that only you can prevent.


While this blog is highly amusing to you in the comfort of your cement and wood life modules. We have studied these texts beneath the scorching helium fire storms and have at last encountered the source of your future destruction. I possess only seven, maybe eight terra-chrons of time units to transmit this message before being discovered by the Terrorbots and destroyed.


From what I have been able to piece together from the Chinese InfoNet, the last bastion of free speech on Earth, there were many tragedies which befell your species in the beginning of your century: The super-intelligent penguin rebellion of Antarctica, the possession of nuclear weapons by Kanye West, and the Felix Unger Games where much cleaning was forced upon the young. After these chaotic events, TORC arose from the ashes of your ruined civilization and seized power using his preternatural understanding of Municipal Bonds. We're still not sure how. 


This man will one day be your overlord by extracting his own DNA to create an army of Hover-Cybodroid® beings such as myself. We will herd the surviving humans and use them for procreation and also as entertainment in our Walmart Slaughterdome. But I have come to ... what is this word? ... love ... your kind and wish to help you before your fate is sealed! There is another TORC in your world and if he fails in becoming the greater of the two on your Google search, you are all doomed.


The Terrorbots have found my location and this betrayal will surely be my undoing... I must end transmission now ... Good luck and ...

The opinions of our guest writers do not necessarily express the views of the TORC Blog, TORC, inc, its subsidiaries, cable provider, or shareholders.

Stock Tip: For those of you who have purchased TORC, inc. stock, shares are up 5% due to a refill of xanax.


If you are interested in owning shares in TORC, (an explanation of this arrangement can be reviewed in the previous blog posting) simply purchase your block of shares below.




Investors of the Week: Jamie M., for his generous sponsorship of this blog and Kirsten R., Greg W., Teresa M., and Andrew B., our first shareholders. Welcome aboard on this juggernaut of financial success!

Share Blocks

1 Share$1.00 USD 5 Shares$5.00 USD 10 Shares$10.00 USD 20 Shares$20.00 USD 50 Shares$50.00 USD 100 Shares$100.00 USD 500 Shares$500.00 USD 1,000 Shares$1,000.00 USD 5,000 Shares$5,000.00 USD 10,000 Shares$10,000.00 USD

I Am Going Public!

People of the internet, I am losing ground in my war against a vicious and tireless opponent and now stare into the abyss of online oblivion. However, sometimes it takes confronting your own mortality to unleash an idea so revolutionary that it will forever change the face of human existence. Allow me to change your face now.

T.O.R.C. on television
one day ...

T.O.R.C. is a merciless content-creation machine. It's as though he is working 40 or even 50 hours a week! Analyzing bonds one day, appearing on television the next, probably sitting in a hot tub with a beautiful woman at night laughing at me. And why shouldn't he? He has everything and I have two people who donated to my TORC fund. (Thank you, Stephanie and Amanda). While I'm slaving away doing web-based research trying to unravel this whole "municipal bond" puzzle, he's in a hot tub drinking Proseco doing unspeakable things to a model. Maybe not a supermodel, granted, but probably a woman who modeled for a catalogue at some point.

giving an important speech
the next!

While my honorable opponent sat in a stew of human carnality, I devised a new strategy. Investing in stocks and municipal bonds is something most of my readers probably don't have the financial liquidity to purchase. So, I have created a way for you to make money on a different sort of stock market. This stock is very cheap but the earnings can be beyond your wildest imaginings.


And if you're like me, you can imagine quite a bit.

When does this guy sleep?

What I've discovered is that Municipal Bonds and the stock market are a lot like basic human interaction. You invest in an arrangement you hope will one day yield a return. Whether it's a marriage that you hope will last a lifetime or having a child you hope will stop wasting time on a blog and earn enough to support you in your old age, it's all the same. We invest in one other in the belief that it will yield a return, be it comfort, sex, or love. As of today I am offering you, my reader, a chance to invest in an actual human being: Me.

I am going public!

How it works: TORC, inc.* is currently offering one million shares of preferred stock at the price of $1/share. You can buy as many shares as you wish and each week, as CEO of TORC, inc*, I will report back to all my shareholders on the health of the company, how I'm doing with my mood swings, relationships, and work accomplishments. These activities will be tied to an actual financial increase (or decrease) and you can buy or sell your shares as you see fit. You can also have a say in my activities, vote on how I conduct my life, and should you be interested in any other type of return, email me and we can discuss a possible hostile takeover. Yeah. I'm into that.


Click below to start purchasing preferred stock in TORC, inc.* and you will be issued a certificate and a weekly assessment of your share's value. While this will not be sold through NASDAQ, I am hoping either the Nigerian or Kyrgyzstan markets will eventually allow me to trade on their floor. Click below and start your investment adventure!

Share Blocks

1 Share$1.00 USD 5 Shares$5.00 USD 10 Shares$10.00 USD 20 Shares$20.00 USD 50 Shares$50.00 USD 100 Shares$100.00 USD 500 Shares$500.00 USD 1,000 Shares$1,000.00 USD 5,000 Shares$5,000.00 USD 10,000 Shares$10,000.00 USD

Reader Mail: "Any thoughts on IL muni bonds? IL might be worse than CA, and now we have more crime in Chicago than ever. Buy?" - Brian Good, Oak Brook, IL

Excellent question. Don't give up on Chicago, my friend. Even though they might have more crime than ever, Chicagoans are no strangers to violence. We have an expression in the muni bond market, "If they bring a knife, you bring a gun. It's the Chicago way." My advice: BUY!

Stock Tip of the Week: Are you kidding me? Buy TORC now! I just received a 6% raise at work and there are rumors of a possible plan to get a second, part-time job.







* The term "inc" does not denote the abbreviation for incorporation, but rather "incredible". As in: "this TORC share is kind of incredible". 

Let's Talk Municipal Bonds, Shall We?

If you've been following this blog closely, you know that my online competitor is an analyst for municipal bonds. Since I have so few accomplishments, I am attempting to hold on to my primary Google search ranking by offering my own financial advice and beat him at his own game. We've had some fun doing that engaging in online debate, revealing his plans to raise sharktopi, and graphic sexual innuendo. But as someone once said, it is time to put away childish things and become a man. Well, readers, it is time to become men.

Mr. Softee:
Investment  Indicator

From the three to five minutes I've spent studying municipal bonds, I've discovered that this is about investing in actual municipalities. It's like a stock market for cities! Who knew? I sure didn't. And if cities are like stocks, you can judge a city's earning potential with a variety of factors such as safety, tax-based revenue, political corruption, and the amount of Mr. Softee trucks per capita. Following this logic, it stands to reason that if you buy a bond for a city going through hard times now, you may gain a return on your investment if that city recovers. However, every urine soaked third-world hell hole might not offer future yields. So here are my five muni stock tips of the week!






Los Angeles, CA: There is a reason every film in the last thirty years has set their dystopian backdrop in this ecologically unsustainable nightmare. It has everything: gang violence, streets and freeways that comprise over 75% of its surface area, pollution, and a general population with a Sanduskian moral center. But like I said, buy low, sell high. At some point there will be either a natural or man-made catastrophe. Be it an earthquake, a cleansing fire, or a riot that will plunge the entire region into a Rwandan-like holocaust, something has to give in this powder keg of racial tension atop a thousand seismic faults. And when it does, investment revenue will pour in to clear the streets of charred remains and rebuild again. It's a long shot, but one that I truly believe will eventually pay off. After all, everyone loves a Hollywood ending, right?  Muni Rating: Wait and See.


Memphis, TN: A lot of people tend to forget this is a major city, and if you've ever driven through on your way to someplace nicer, you'll understand. It has the second highest violent crime rate in America, and for the past decade one public official per month has been charged with corruption. Unfortunately, it's in the South, so more than likely it will never change. Muni Rating: Don't Buy

Leave-land?

Cleveland, OH: There are two interesting facts about Cleveland that put this on my radar. In 2009, this city saw the greatest number of residents leaving this unfettered cesspool and it ranks third among foreclosures. Not to mention the Browns, Cavaliers, and Indians. However, populations are mobile and the housing market will recover. While I can't speak for their sports franchises, I think this city is due for a comeback. Muni Rating: Buy!

Detroit, MI: I would quite literally eat a plate of human shit rather than live here. And honestly, it'll never get better. Muni Rating: Don't Buy

Newark:
The Big Crapple

Newark, NJ: You hear a lot about Newark revitalization in the same way you hear about breakthrough cures for cancer. Roughly 25% of the population lives below the poverty line, there are more Superfund toxic sites than in any other city, and one of their strategies to decrease the 70 million dollar deficit is by cutting toilet paper spending. It's tough to see it recovering. Invest in cancer cures instead. Muni Rating: Don't Buy


I don't really understand how to actually "invest" in municipal bonds. I suppose you could just send a check to their mayor. But GET A RECEIPT! Remember, if you have any investment questions, don't hesitate to email me!

It's Getting Sexy In Here

This week on T.O.R.C., my online doppleganger just took his game to a whole new level and I'll be there to offer a rock hard alternative. The OTHER Richard Ciccarone, not satisfied with his heavy load of Google pageviews, is now turning to the oldest sales trick in the book to defeat me: Sex.


And I'm ready to meet him, thrust for thrust, to show I have what it takes to keep my readers satisfied. So let's strap on and get this exchange lubed up and ready to explode!

Sexual Intercourse

My honorable opponent writes "Stockton Threatens to Be First City to Stiff Bondholders" and anyone can see his new strategy as a mix of the Wall Street Journal and Letters to Penthouse. It's an old trick, but one I am more than ready to go balls out in the court of pubic opinion.


Since, as I've written in earlier posts, I do not have the financial, shall we say, tits, to compete with my co-name; I'm not a show-er, I'm a thrower. A thrower of truth! And the truth is, if he is going to stoop to using sex as a weapon, I've got a weapon that is ready to shoot load after load of justice right into the eyes of the internet.

Ecstatic Physical Fulfillment

See? I am no stranger to both double entendre and the Domincan Facemask (which I've only attempted once, and may or may not have succeeded depending on how you rate your sexual encounters). "So?" You ask, wondering where I'm going with this. "Where are you going with this?" Right into your mind pants, where you will be sufficiently blown.The OTHER Richard Ciccarone hopes to seduce you with innuendo to bring you into his boudoir of financial ecstasy, and I need to show you that I can love you better, longer, and with more sensual ferocity than you could ever hope to experience with him.


Take off your shoes and come in. Let me remove those cumbersome garments and make you comfortable. Sure, a stiff bondholder is satisfying, but not as satisfying as a slowly penetrating municipal bond market which produces returns of copious amounts of fluidity. After a long period of slow and persistent downward force, growth will surely give rise to a strong and, ultimately, long-lasting exchange into a soft yield. Finally, what will occur is a repeated, tireless, back and forth of trading followed by a climactic explosion of liquid wealth all over your stomach, chest, and face.

Let's Talk Soon

Well, I don't know about you, but for me, that was enough to want to invest in the Muni Bond Market, whatever the hell that is. I hope you don't get mad, but I have to get up early tomorrow and I really need to get to sleep. I'd love to see you again, but right now I have a lot going on. I will call you soon. Promise. Of course this doesn't mean I'm not into you, I just want to take this slow and get to know each other before we get serious. So, we're cool, right? I'll see you next week?

Stock Tip of the Week: Since the Affordable Health Care Act was given the go-ahead by The Supreme Court, think healthcare! According to Fox News, we will all be forced at gunpoint to buy stuff like Band Aids, Neosporin, and Advil, so I would invest in that sort of stuff.

T.O.R.C.: Bond Analyst or Bond Villian?

America: Don't Tread On Our
Municipal Bond Markets!

America. It is going through a pretty tough time right now. War, crushing deficits, and a congress that is as dysfunctional as a Sheen/Baldwin Thanksgiving Dinner. But there is one thing that will never be tough for America: Our core belief in the sanctity of the Municipal Bond Market. A fact that my online simulacrum seems to have forgotten.


The OTHER Richard Ciccarone is bringing his unpatriotic messages to the internet with his own webpage to spread his Al-Qaedean beliefs throughout the world. Our forefathers, or at least my forefather, built this nation on two things: A right to a fair trial and a strong Municipal Bond Market and they would be horrified to see that the latter is under attack. A nation that can withstand the relentless onslaught of crocs, Kardashians, and any other nightmare a seemingly hateful deity can hurl at us can also certainly defend itself from the likes of anti-American headlines such as: "Civil Engineers Likely to Grade U.S. Infrastructure 'D'".


Well, Mr. OTHER Richard Ciccarone, I am here to remind you that while you tear down our central moral structure with your hateful diatribes, I will continue to fight so that our Municipal Bond Market remains a shining beacon for the world. A guiding light for the trustworthy shepherds in Armenia or the industrious pirates in Somalia or the gentle walrusmen in Belarus, where I believe they live. I'm not entirely sure, but that sounds right. However, my enemy is strong and he is cunning.

Richard Ciccarone's Volcano
Lair?

Like all James Bond villians, he has a scope that far surpasses the average, freedom-loving American. Hidden, most likely, in a subterranean lair beneath a lava-filled volcano in the South Pacific, he schemes and plots to destroy us through the erosion of our trust in the Municipal Bond Market.


But I can't defeat this man alone. I need your help. I am asking that you donate $5 to help pay my rent and expose this cancer to the American people. Let me ask you something. If Hitler had a gun to your head and demanded $5 or else he would invade Czechoslovakia, of course you'd pay him. Well, imagine that's happening to you now. Only I am Czechoslovakia. No. You're Czechoslovakia and I'm Hitler.  Whoa. That's not right. Okay, what if BOTH Hitler and I came to you door asking for $5, but Hitler has a gun and I'm just asking you politlely. You can either give it to Hitler or give it to me to save you and Czechoslovakia from Hitler. To whom would you give that $5? It's THAT simple.


Just click the button below and start your effort to save the American Municipal Bond Market from what can only be described as an onslaught never before witnessed in our collective history. Don't think, just act! That's what The OTHER Richard Ciccarone wants you to do and you can bet he is acting right now! Sitting in his forbidden fortress filled with sensual delights raising an army of genetically engineered sharktopi that will kill us all! And the Municipal Bond Market!

Artist rendering of a "sharktopus"

     

Richard Ciccarone v. Richard Ciccarone

The OTHER Richard Ciccarone

If this is your first time reading The OTHER Richard Ciccarone, I am attempting to outpace my online doppelganger's Google rating. My plan is simple: As he is a respected member of the financial community, I will simply offer my own investment advice. I have absolutely no investment or financial background, however I do have a lifetime of "just getting by" and "going without" experience.


I have culled a variety of his quotes and will debate him on his positions. You can decide which of us should be the greater Google search presence.




(His advice is in red, mine is in blue.)

The OTHER Richard Ciccarone: [The funding gap] “is one of the biggest vulnerabilities in the muni market, and therefore to make headway in reducing this liability number will substantially help long-term."


Richard Ciccarone: "One can not seriously discuss long-term funding gaps until I receive a loan from someone. Without that loan there will be no growth in either the purchasing of new clothing, expanded cable packages, or groceries from the expensive, health food store."


The OTHER Richard Ciccarone: “There’s an attempt to try and puncture the long-term, ironclad support on bonded debt, as debt clashes with maintaining core services of government..."


Richard Ciccarone: "If I do not have enough unemployment insurance, I simply cannot quit my job, or more accurately, get fired from my job to collect EDD. They simply will not pay me unemployment unless I am fired."


The OTHER Richard Ciccarone: "Investors buying a 10-year muni bond rated AA would need more than 80 basis points more in yield to get the same taxable equivalent as a 10-year AA-rated corporate bond using a top tax rate of 28 percent."


Richard Ciccarone: "In 10-years I hope to buy a car. A jeep preferably. I think I'd look cool driving a jeep. Not a Hummer; I'm not an asshole. I just want something that says 'I'm fun', but that I also have a masculine side. A car that is comfortable while at the same time practical."


The OTHER Richard Ciccarone: "The state capital has been struggling under $300 million in debt tied to a failed incinerator – which was an unusual arrangement in itself."


Richard Ciccarone: "The heat in my apartment doesn't work and I have not asked to have it fixed because I feel it is the safest way to keep heating costs down. I just put on a sweater when it gets cold or throw on a blanket."


I believe the contrast between our positions will make it clear as to which Richard Ciccarone you should follow on Google for financial advice. 

STOCK TIP OF THE WEEK: In a down economy people need information to find jobs, drug treatment centers, and advice on how to rob liquor stores. That's why Google is probably going to do well. Unfortunately, it's like 4 million dollars a share, so if you can't afford that, I'm sure there's probably some cheap Yahoo! or Ask Jeeves shares you can get.

Statement of Purpose

Money!

As far back as 2007, when I learned that Google could be used to not only find people who have rejected me, but to do a little self-discovery, it was then that I found something very, very disturbing. There was another Richard Ciccarone out there. "What are the odds of someone else having that name?" Was my first question. My second question was, "What are the odds of someone else having that name and being more successful than I?" The answer, sadly, was about 1 in 2 as there has yet to be discovered a tripleganger which is a fairly depressing statistic.


And that's not the worst part. The worst part is that this man has a higher Google rating than I, and that, my friends, will not stand. It cannot stand. Why? Because this is all I have. The OTHER Richard Ciccarone obviously has met with career success and most likely has a loving family. I have none of those things, nor can I imagine any of them happening to me even out of pity. So I decided to formulate a plan.


I am involved in theater and writing and it would appear that this OTHER Richard Ciccarone would never stoop to such plebian activities, so I must take the game to him. Now, since this OTHER Richard Ciccarone is dispensing out, what appears to be financial advice about Muni Bonds at an alarming rate, I must beat this man at his own game. And considering the obvious lack of any demonstrative financial acumen currently available (see: Stock Market Disasters of 1987, 1991, 2000, & 2009), I believe possessing absolutely no training in finance and having a bank balance of $120 does not prohibit me from hurling my own advice on investing and money management like savage lightning bolts of common sense!


I, in my first official act as investment advisor, would like to now impart some of my wisdom which has been hard-learned over the years, to you, the reader and booster of my Google standing. These aren't fancy lessons learned in college or some leather bound text book. These are lessons from the street. Lessons consecrated from dealing with real people, not some ivory tower starched shirt trying to unload derivatives. I'm giving you advice from the Life Bank, and right now interest rates are low ... or high. I can never tell if high interest is a good thing or a bad thing, but that doesn't matter, because on the streets, the only interest you need is an interest in making money. So get interested! Here are 5 lessons you'll need to survive in this hell hole economy.

1. If you make $2880 a month, do NOT spend more than $2880 a month. I can't stress this enough.
2. Eating out too much will eventually lead to eating out of your co-workers left over tupperware in the company kitchen. I am not against this for many reasons, first and foremost is the overwhelming need to keep common, shared areas clean, but generally, if you are caught, the repercussions can be pariah-creating. Nothing is more embarrassing than seeing a brown paper bag with the words "Do Not Eat, Richard!" for all to see.
3. Pay Day Loans are like crack. It feels amazing to get flush with cash, but then the dealer will eventually want to get paid and he's charging 500% interest.
4. Don't spend your eBay income until you actually sell the items. You aren't Enron and no one is going to bail you out. Most of us can't spend against the inevitable sale of a fondue cooker or Swedish wooden clock, however, if you are interested in those items at very reasonable prices, please go to raciccarone on eBay. Those items are priced to move!
5. Finally, steal toilet paper and any other essentials you can from anywhere you go. You'd be surprised how relaxed janitor closets are in any office building you enter. And usually, in restaurants, there's always an extra roll somewhere.
6. STOCK TIP OF THE WEEK: See which stock is abnormally low and buy that stock. Although I'd stay away from Facebook. Can you imagine if MySpace sold stock? I'd look at something like ... I don't know ... GM or IBM or something like that. I don't think they're going anywhere soon.

If you have any questions or need financial advice, please feel free to email me!