Eastern Oregon Bear said:

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DiabloWags said:

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Trump's Executive Order of today is limited to 150 days.

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Trump probably figures that will be enough time to primary the Supreme Court Justices.

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Lmao.

Today, he actually went after the 6 Judges and their Families. But Im sure a fellow Cal Bear will show up to remind us that 77 Million people voted for Trump.

The supporters here are all over the map with these tariffs. One minute it's all about "bringing infrastructure back to America" , next up dividend checks, then trade deficit reduction, then the bailouts for the farmers in a hodgepodge and carpet bomb approach… all under the ridiculous propaganda campaign called "Liberation Day".
Some here only found out about tariffs from Trump and equate it to genius and argue "see, it isn't as bad as you thought you dummies". Are you not feeling liberated?
I noticed even Susan Collins gave a nod to SCOTUS on the ruling that signals. if nothing else, that folks are weary of all the chaos and confusion this has caused and for what so "it isn't as bad as you predicted". The Golden Age redefined.

Well, it's easy to hoodwink folks when:

Google:
Key Findings in U.S. Financial Literacy
Persistent Gaps: The average American correctly answers less than 50% of questions on the TIAA Institute-GFLEC Personal Finance Index.
Generational & Demographic Gaps: Gen Z has the lowest literacy rates (38%), and financial literacy is notably lower among women and underrepresented minority groups, particularly regarding risk comprehension.
Impact of Low Literacy: 1 in 3 Americans cannot cover a $400 emergency, and 49% of workers report that debt hinders their retirement savings.
Improvement Efforts: As of late 2025, 30 states require a standalone personal finance course for high school graduation, reflecting a major push for earlier education.
Common Areas of Deficiency
Risk Management: Comprehension of financial risk has declined, with only 35% of adults demonstrating proficiency.
Retirement Planning: A significant portion of the workforce lacks the knowledge to effectively plan for long-term retirement.
Daily Money Management: A significant percentage of young adults (Gen Y/Gen Z) struggle with timely bill payment and budgeting.
Despite the low overall scores, there is growing bipartisan support for financial education, with 88% of adults supporting mandatory high school personal finance classes.

DiabloWags said:

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cal83dls79 said:

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Well, it's easy to hoodwink folks when:

Google:

Improvement Efforts:

As of late 2025, 30 states require a standalone personal finance course for high school graduation, reflecting a major push for earlier education.

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Im a huge supporter of this.
And hoping this continues to become core curriculum.

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We have a financial literacy elective at my school and a group of us teachers have been pushing to make it mandatory for all to take at least one semester during 7th or 8th grade. High school would be even better as many will have jobs already. Personal money management skills are basically nonexistent.

I agree that the "basics" should be taught in 8th grade. Things like banking transactions, car insurance, interest rates, how a loan works, the stock market, etc.

Kudos to your school district for offering that!

The problem right now is that it's an elective, probably only 30% of students take it during their time with us but it's a start. We also offer a stock market elective that is more highly attended, close to 50% of 7th/8th graders take it before graduating.

I'd like to see the financial literacy elective be a prerequisite for the stock market elective but admin haven't agreed to that just yet.

Our school district had one class as a HS elective. I'm grateful for that but thought it just barely scratched the surface. So I wish there was more than 1 class, I wish they were mandatory and I wish at least some of it happened earlier.

I remember taking BA 133 - Investments with Professor Hoag at Cal using William Sharpe's book on modern portfolio theory that focused on "efficient" markets.

It was 10 weeks of "theory" and a waste of my time. Think "capital asset pricing model" and the Sharpe ratio.

Im told by Haas Professors that the current Investment Course curriculum is much better these days and is reflective of the real world.

I would hope so

My curiosity about the financial markets came from a high school friend of mine in 1980 that introduced me to the highly speculative trading of penny mining stocks on what was called the "pink sheets" where there was no official exchange.

You'd buy some shares in a mining company in Colorado for .50 cents a share, and hope that some rumors in a bar would take it up to .75 or .80 cents a share.

This, then led me to trading a handful of stock options during my junior year at Cal in 1981.

The next leveraged "drug" on the financial food chain were stock-index futures - - - which would allow me to camp out in my Dad's local stock brokers office at Shearson during Holidays and Summer Vacations, with my broker making $125 in commissions at a clip, every time I pulled the trigger on 5 contracts at a time in a joint account with my Dad which allowed for phoning the order directly to the floor of the futures exchange.

Not a bad opportunity an "education" for someone who grew up middle class in the Diablo Valley. Im forever grateful.

Go Bears!

DiabloWags said:

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cal83dls79 said:

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Well, it's easy to hoodwink folks when:

Google:

Improvement Efforts:

As of late 2025, 30 states require a standalone personal finance course for high school graduation, reflecting a major push for earlier education.

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Im a huge supporter of this.
And hoping this continues to become core curriculum.

The fact that there are college grads here who have repeatedly shown that they don't understand that tariffs are a TAX paid by the U.S. Importer of Record is simply mind-boggling.

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Reading comprehension definitely should continue to be a requirement. Unfortunately, there are some demented posters who just don't know how to read well. It is very sad.

cal83dls79 said:

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The cornerstones of my early financial "education"
were repeated by my father, an ex-ww2 Marine and Depression participant:
"You know, money doesn't grow on trees"
"Don't 'save' yourself into the poorhouse"

May have been 1 course at my HS. I don't remember. , maybe an Econ course, maybe.

*by "save" we mean the illusory savings on stuff, crap,
things when they go on "sale". When you do this you can't do the good save.

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Mine came from my dad, too - blue collar guy with no education who broke his back for every dollar earned:
- an intense understanding of the difference between want vs need
- the idea that anything we buy is an expression of our labor x time
- "make your money work for you" (ie be an investor, which is funny because he has a profound distrust of the stock market).

oski003 said:

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DiabloWags said:

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cal83dls79 said:

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Well, it's easy to hoodwink folks when:

Google:

Improvement Efforts:

As of late 2025, 30 states require a standalone personal finance course for high school graduation, reflecting a major push for earlier education.

---

Im a huge supporter of this.
And hoping this continues to become core curriculum.

The fact that there are college grads here who have repeatedly shown that they don't understand that tariffs are a TAX paid by the U.S. Importer of Record is simply mind-boggling.

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Reading comprehension definitely should continue to be a requirement. Unfortunately, there are some demented posters who just don't know how to read well. It is very sad.

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My reading comprehension is just fine.
Thanks.







A Viking Foreign Policy - by Andrew Sullivan | Bear Insider

he didn't say anything about you in his post… guilty conscience?

Another combative post by you.

Do you ever actually discuss the Topic at hand on a thread or do you just spend half your posts criticizing and "policing" what I have to say?

I've noticed that half of your posts are about ME.
Since you came aboard one month ago.

Why is that?

DiabloWags said:

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Do you ever actually discuss the Topic at hand on a thread or do you just spend half your posts criticizing and "policing" what I have to say?

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yes.

DiabloWags said:

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oski003 said:

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Trump is a bit of a blowhard, just like you are now being. I didn't vote for him and don't really care too much about some of the outlandish stuff he has said. I focus on individual policies. I read somewhere that he is below average in keeping campaign promises.

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Interesting to learn that you never voted for Trump.
I learn something new here every day.

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you went back a month to say this?

brobear said:

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DiabloWags said:

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oski003 said:

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Trump is a bit of a blowhard, just like you are now being. I didn't vote for him and don't really care too much about some of the outlandish stuff he has said. I focus on individual policies. I read somewhere that he is below average in keeping campaign promises.

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Interesting to learn that you never voted for Trump.
I learn something new here every day.

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you went back a month to say this?

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It is probably the tenth time I have said that, at least half of which were in conversations with Diablo. He doesn't appear to remember much, unless it is a feeble attempt to go back in time to insult someone.

oski003 said:

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DiabloWags said:

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I do in fact remember you saying that "foreign countries directly pay the tariffs"

Thus, my reading comprehension is just fine.
So is my memory.

And it was not a misquote or taken out of context out of a larger quote as you have claimed.
It was a one sentence post by you on Page #1 in the following thread:

A Viking Foreign Policy - by Andrew Sullivan | Bear Insider

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Of course you do. You also conveniently forget that I qualified the statement. Twice. You have also brought this up multiple times since, in which I case I replied that I qualified the statement. Hopefully, you get whatever medication you need to cure your selective dementia.

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Another hateful and combative post from you.
I do not suffer from dementia.

Sorry, but your one sentence on that thread was pretty clear.
And there was no clarification attached to it.
That's a FACT.

Period.

"Foreign countries directly pay the tariffs"

DiabloWags said:

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oski003 said:

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DiabloWags said:

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I do in fact remember you saying that "foreign countries directly pay the tariffs"

Thus, my reading comprehension is just fine.
So is my memory.

And it was not a misquote or taken out of context out of a larger quote as you have claimed.
It was a one sentence post by you on Page #1 in the following thread:

A Viking Foreign Policy - by Andrew Sullivan | Bear Insider

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Of course you do. You also conveniently forget that I qualified the statement. Twice. You have also brought this up multiple times since, in which I case I replied that I qualified the statement. Hopefully, you get whatever medication you need to cure your selective dementia.

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Another hateful and combative post from you.
I do not suffer from dementia.

Sorry, but your one sentence on that thread was pretty clear.
And there was no clarification attached to it.
That's a FACT.

Period.

"Foreign countries directly pay the tariffs"

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Can you please read a little more? A little bitty farther in that thread? Try to focus. You can do it! You can do it. I know you can.

DiabloWags said:

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No need to.
Your one sentence post was very clear.

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Fair enough. You can lead a horse to water, but you can't make it drink. Keep tilting at windmills.

oski003 said:

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DiabloWags said:

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No need to.
Your one sentence post was very clear.

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Fair enough. You can lead a horse to water, but you can't make it drink. Keep tilting at windmills.

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Like I said previously, my reading comprehension is fine . . . no matter how many times you personally attack me and my memory and claim that I have dementia.

You aren't a very respectful poster here.
Please respect the forum rules.

Thanks.

DiabloWags said:

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oski003 said:

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DiabloWags said:

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No need to.
Your one sentence post was very clear.

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Fair enough. You can lead a horse to water, but you can't make it drink. Keep tilting at windmills.

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Like I said previously, my reading comprehension is fine . . . no matter how many times you personally attack me and my memory and claim that I have dementia.

You aren't a very respectful poster here.
Please respect the forum rules.

Thanks.

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Treat others how you want to be treated. Thanks.

those hall monitor comments from a few days would go great with this post

DiabloWags said:

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oski003 said:

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It is probably the tenth time I have said that, at least half of which were in conversations with Diablo. He doesn't appear to remember much, unless it is a feeble attempt to go back in time to insult someone.

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Looks like the Mods had to once again edit one of your posts due to your name calling.
Do better.

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Whatever I said was well deserved. Thanks.

I noticed it appears as though the mods have spoken.