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First Reddit Post, my key financial lessons of 2017

I hope this will help some of you out. It's a summary of the most important Canadian Personal Finance lessons from my research for all of 2017. Most of these are key posts from The Greater Fool Blog, which I highly recommend as a daily read.
Investing Strategy and Advice
Random Advice
· Everybody should strive to maximize their TFSAs, then ensure the money stays in there, invested in diversified growth assets like equity ETFs. Remember – a hundred bucks a week invested here for 30 years making 7% will end up being $532,000. That should yield an annual income of $32,000 without depleting the principal and without reducing your CPP or OAS payments by a single penny. So this is job one.
· After that, shovel cash into an RRSP, using the refund to contribute to the TFSA. Unless you have a defined-benefit pension (guaranteed, stable employer-funded payments), this is an excellent way to reduce tax, invest for tax-free growth then support you efficiently when some dingdong CEO destroys your employer.
· Obviously having a cash reserve for an event like this would be a great idea, but establishing a personal line of credit in advance is almost as good. It costs you nothing to set up at the bank, zero to carry and can be tapped only as you require it. Go, get one now.
· The best way to own preferreds is through an ETF, where you can hold a basket of high-qualify assets. An example would be CPD (just an example – this is not a recommendation), which pays investors a dividend yield of 4.3%, which is twice the return of a GIC and it’s still 100% liquid. But there’s more. This exchange-traded fund has increased in value (besides the dividends paid) by 12.7% in 2017 – which far outstrips the 3.8% return of the TSX in general. Since the beginning of last year (when prefs were sooo cheap) the gain in capital value has been 28%. (CPD also went on sale Wednesday after the latest Bank of Canada report. Sweet.)
· But all he need do to effectively slash his long-term interest costs is to switch from a monthly-pay to a weekly-pay mortgage. Over the course of 12 months he’ll make the equivalent of one extra payment (no big deal) and it will end up shortening his amortization by years, saving more than a variable-rate loan ever would. He just needs to ensure he gets the right kind of weekly mortgage, since some of them are bank rip-offs.
May 2017 – Current Recommended Weightings
· cash, 5%;
· corporate bond 6%;
· provincials 3%;
· short-term bond 5%;
· high-yield 3%;
· preferreds 18%;
· Cdn equity 16%;
· REITs 5%;
· US equity 21% (some hedged);
· international equity 18% (some hedged).
Investment Portfolio Breakdown - Greater Fool – September 20th 2017
· Start with the TFSA. When that’s full split money between an RRSP (to shift tax into other years) and a non-registered portfolio (to benefit from capital gains and dividends). Stick with it, max the tax-free account with pre-authorized debits from your bank account and never, ever listen to [email protected], eschewing costly mutual funds and brain-dead GICs.
· Have a balanced portfolio, with 40% in safe stuff and 60% more growth-oriented. Since rates are rising, keep the bond exposure slim (they pay nothing but reduce volatility) but have lots of rate-reset preferreds which swell along with bond yields. Carefully weight Canadian, US and international assets, taking into consideration that we’re currently on fire, Trump’s a time bomb, the US is expanding, Europe’s in recovery and nobody should bet against China. Never hold individual stocks (unless you have seven figures to invest and can achieve diversification – which requires about 60 positions).
· If you have a little money, hold three or four ETFs. If you have a lot, then 17 should be about right. And keep a small cash position, since that’s a defensive asset as well as ammo if an opportunity arises.
· So, 2% cash in a HISA, 20% in a mixture of government, corporate, provincial and high-yield bonds plus 18% in preferreds make up the safer stuff. Put 5% in REITs, then hold 16% in Canadian equities, an equal amount in US markets and 23% in internationals, for the growth portion. Rebalance once a year. Put higher-taxed stuff (bonds) in a tax shelter. Reserve the TFSA for fast growers (like emerging markets). Enjoy a 50% tax break on capital gains in your non-registered. And don’t forget about income-splitting with your squeeze, which can be done through a spousal plan or maybe a joint account.
Why TFSAs are the #1 Priority
The long-term growth, free of tax, is epic. Invest $5,500 this year, then add $100 a week for the next three decades in growth assets making 7%, and you end up with $576,338 of which $414,838 is growth. Besides tax-free compounding of investment returns, the real benefit of this thing is that it will throw off income in retirement (or anytime else) which is not counted as income. So in the example just given, forty grand a year could be earned with zero tax payable on it.
Now let’s look at two 40-year-olds who have wisely maxed their TFSAs with $52,000 in each. If they keep their accounts topped up and full of ETFs giving the same return, at 65 they’ll claim $1.26 million, of which almost nine hundred grand is taxless growth. In retirement that amount can provide an annual income of about $90,000, and these guys can still collect their CPP and OAS without having any of it clawed back (assuming no other income source). If they had $1.26 million in RRSPs, the after-tax income would be about $52,000 and they’d have a marginal tax rate of 29.65%. No contest.
For anyone with a good company pension plan, and especially for the Aristocracy Among Us with gold-plated, defined-benefit schemes (teachers, cops, retired finance ministers) investing in this vehicle is far better than feeding an RRSP. At age 71 all registered retirement plans must be partially unwound, with the income being added on top of pension payments, often boosting you into a higher tax bracket. But no matter how much is skimmed off a fat TFSA, nothing is taxed or even recorded as income.
Of course, TFSAs can be used for income-splitting, too. You can gift your spouse or your adult kids money to invest in one. None of the gains will be attributed back to you. You can withdraw money and, unlike an RRSP, put it back the following calendar year. Unused room can be carried forward indefinitely. And a tax-free account can hold almost any investment asset, so keeping a moribund high-interest savings account or a brain-dead GIC in there is a big fail.
Why Mutual Funds Suck:
S&P regularly provides its SPIVA Scorecard, which examines the performance of actively managed Canadian mutual funds versus that of their benchmarks and corrects for survivorship bias. Survivorship bias? Yes, mutual fund companies have this habit of discontinuing funds that have poor performance thus, ostensibly, wiping away that unflattering data forever. The SPIVA Scorecard attempts to account for this performance, essentially holding the mutual fund companies’ feet to the fire. The data reveals, unsurprisingly, that the vast majority of mutual funds underperform their benchmarks—with high management fees being the main reason. The table below shows their dismal long-term track record. S&P, by the way, also does a scorecard for US mutual funds with similar results.
📷
📷No doubt, there are financial advisors who have a careful and highly effective system for identifying the 9% or so of equity mutual funds that actually do outperform their benchmarks over the long term. More power to these advisors. However, what I’ve seen more often is a less rigorous due-diligence system of simply selecting the funds that are ranked highest by Morningstar, the industry’s most widely known mutual-fund evaluator. However, as a recent article by The Wall Street Journal has shown, chasing the best star ratings has its drawbacks. The Journal pointed out, after examining the performance of thousands of funds, that only 12% of 5-star-rated funds maintained this rating after five years. Basically, the Journal highlighted that the Morningstar five-star rating is not a good indicator of future outperformance.
Source: The Wall Street Journal
Here are a few things to remember. First, on mutual funds (since most people own them): fees are significant, and buried in the cost of ownership. The person selling you these animals at the bank will tell you s/he doesn’t charge anything to perform that charitable service. In reality, the funds turn out trailer fees so every month you stay invested, somebody gets paid. To Rob’s point, mutual fund fees aren’t tax-deductible. So if you own a fund with a 2.5% MER and you’re in the 40% tax bracket, that’s actually costing 3.5%. Ouch.
The same principle applies to ETFs, all of which have embedded fees which are not deductible. The big difference is the average fee across a portfolio made up of exchange-traded funds might be 0.2% – or one tenth of the cost of owning a mutual.
What about other fees and investment costs?
Management fees, charged by fee-based advisors, are 100% deductible from taxable income on non-registered accounts. With RRSPs, the money taken to pay an advisor is not counted as taxable income. That means you got a tax break for putting that in, but there’s no tax when it exits – so the government is also subsidizing you. Fees on TFSAs, however, are non-deductible. Somebody in the top tax bracket, then, with accounts run by a professional offering tax advice and portfolio management who charges 1% will end up paying closer to 0.6% – while the poor single Mom with a few grand in the bank’s funds will shell out 2.6%. Unfair? You bet. But that’s the law.
So, fees are deductible. Commissions are not. MERs are embedded, invisible and can kill returns. If you remember just those three facts, they’ll serve you well.
More on Mutual Funds – Dec 11 2017
What’s a mutual fund? It’s a pot of money made up of contributions from many investors that a manager then uses to buy stuff. Like stocks or corporate and government bonds. Managers charge big money to do this job (they have Porsches, too) which is charged back to the investors, and in return try to add ‘alpha’. That’s financial speak for ‘special sauce’, which means they attempt to get better returns than you’d achieve just buying the same assets and holding them. In doing this job they buy and sell frequently, often generating capital gains taxes, which the unitholders also pay.
Trouble is, most of these cowboys fail.
Last year, for example, the number of Canadian mutual funds which focus on US stocks and which outperformed the index was… zero. Nada. Donuts. Not one. In the States almost 70% of fund managers investing in large-cap stocks failed to match the index and yet charged big bucks to do so. Over the last 15 years, the failure rate among managers is 90%.
Ouch. Makes you wonder what you’re paying for. What also hurts is that the fees these non-alpha dudes charge are buried within the funds themselves, unseen by investors who cannot even deduct them from any gains they might make for tax purposes. Meanwhile the so-called advisors who collect the trailer fees from selling funds do not actually engage in any investing themselves and often collect an extra upfront fee for selling them to folks, or create a seven-year mutual-fund prison that penalizes anyone trying to get out.
Difference between Mutual Funds and ETFs
Simple. ETFs are like Teslas – they drive themselves. There is no manager, so there’s no fat management fee for investors to pay. They don’t compensate some fancy guy to try and beat the market, then have to explain why he didn’t. They just pace the market itself. What the S&P 500 does this year, for example (up 18.4%), is what an ETF holding those 500 companies does. Plus, they’re traded on the stock market, which means you can buy or sell with the click of a mouse and get instant liquidity. Try doing that with a mutual fund (you can’t). In fact, most funds have the ability to halt redemptions, so if a crisis emerged you might not be able to sell when you wanted (just like Bitcoin).
ETFs are not free, however. Across a balanced portfolio you can expect to pay an embedded cost of about 0.2% – which is a hell of a lot cheaper than 2.0%.
Now, mutual fund salesguys, for obvious reasons, hate it when they hear such talk. And being in sales, they are daunting adversaries, able to woe naive investors with tales of giant, throbbing Alpha and heaving bosoms. (I may have exaggerated there.)
Jane, in fact, encountered exactly this schtick after she told her mutual fund guy she was leaving to embrace ETFs.
“I talked to him today for the formal “thank you and best of luck” nicety and needless to say he thinks I’m making a huge mistake. I feel quite defenceless when it comes to talking to financial advisors. My boyfriend tried to do his best to help explain it and then reverted to “Ask Garth.” For ease I will just lay out what was said by mutual fund guy in bullet form and hopefully you can help me out
“Can you shed some light on this for me? My mutual fund guy did make me feel a touch uneasy. I would appreciate the insight just for building my own knowledge and confidence.”
You betcha, Janey. ETFs are cheaper because they don’t come attached to some Bay Street smartie with three kids in private school. They are pure reflections of a transparent market. The rate of return for nine out of ten has been higher than an actively-managed mutual fund, at a fraction of the cost. Fee-based advisors (who should collect a fee of no more than 1%) actually build and manage client portfolios. They all shop at Costco and recycle their socks.
ETFs for old people? Did he mention dwarfs?
As for the 2008-9 crisis, a balanced ETF portfolio declined 20% while the stock market slid 55%. It recovered all lost ground in a year, then advanced 17%. It’s not the structure of the asset that is owned (active or passive fund), but the weightings between various asset classes that will protect you in declines. You can be as conservative or aggressive as you want with either kind of funds. But if you like paying more for less, mutuals are for you. (He was really zooming you on that one.)
The benefit of Bonds in a Portfolio
Bonds help reduce volatility
One common way to measure volatility is using standard deviation, which measures the variability of returns around the long-term average – the higher the number the higher the volatility. Over the last 10 years, the TSX has exhibited price volatility of 14.1%, meaning that TSX returns have been 14.1% above/below the long-term average return over the last 10 years. Volatility (standard deviation) has been 11.4% for the S&P 500 over this period. And for the average Canadian balanced portfolio, the standard deviation has been much lower at 8.3%. So, we prefer balanced portfolios to an all-equity portfolio since the ride is much smoother and with more consistent yearly returns.

📷Volatility of Different Investments

The other important reason we like balanced portfolios is because bonds often zig when equities zag. This dynamic is why a balanced portfolio exhibits lower volatility.
In good economic times corporate profits rise and investors feel more optimistic about the outlook that they are willing to pay higher multiples (e.g., P/Es) for stocks. This combination of rising corporate profits and valuations pushes stock prices higher.
Central banks in turn tighten monetary policy by hiking interest rates. This helps to push bond prices lower (prices move inversely with yields). So stocks go up and bond prices go down, generally, in a strong economy.
📷Conversely, in a weak economy stocks typically decline and central banks lower interest rates to help spur growth which leads to higher bond prices. Again, bonds zig when equities zag. This is perfectly captured in the chart below which shows the relative performance of Canadian bonds and the TSX. Note how bonds will outperform stocks over certain periods (in green) and underperform stocks in other periods (in red). This chart captures the essence of why a solidly constructed and well-managed balanced portfolio works!

Bonds/Equities Out/Underperform Over Time

Finally, how should investors structure their bond holdings in this rising interest rate environment?
First is to focus on lower duration bonds. Duration measures a bond’s price sensitivity to changing interest rates. If a bond (or in our case a bond ETF) has a duration of 8, it means the bond will decline approximately 8% for every 1% increase in interest rates, or rise 8% for every 1% decrease in rates; the higher the duration the higher the price sensitivity to rising rates.
Given our view that rates are going to continue to slowly rise, we are positioning our balanced portfolio with lower duration bond ETFs so as to minimize the impact of rising rates. Later when interest rates are higher we’ll look to reverse this call and shift into higher duration/yielding bond ETFs.
The other key strategy for bonds in a rising rate environment is to overweight corporate bonds versus government bonds.
With the Fed and BoC now hiking rates, government bond yields are moving up and prices lower. This of course weighs on all bonds but corporate bonds tend to outperform when rates rise. This happens for a few reasons. First corporate bonds offer higher coupons (yields), which help lower the duration relative to lower yielding government bonds. Second, because investors are feeling more optimistic about the economy and financial markets they are more willing to buy corporate bonds, which pushes up their prices relative to government bonds resulting in compression of the yield spread over government bonds.
Below is a chart comparing US investment grade corporate bond yields to comparable US government bond yields. Currently with US corporate bonds yielding 4.25% and US government bonds yielding 2.35%, this results in a “spread” of 190 bps. As the economy picks up this spread compresses which results in corporate bonds outperforming government bonds. We believe this spread could compress a bit further resulting in additional outperformance from corporate bonds. We’ll look to reverse this trade as we start to believe the economy is rolling over.

US Credit Spreads

📷We get it. In a raging bull market like we’ve been in for some years, bonds can be disappointing and cause us to deviate away from a balanced portfolio, focusing more on equities. But as we’ve shown, the benefits of including bonds in a portfolio are to reduce volatility and provide more consistent returns. And we’re not always going to be in a bull market so you’ll need protection against this inevitability. I feel confident that our client will call me up to thank me for our recent portfolio adjustments, likely when that dreaded bear market rears its ugly head. How are you positioned for this eventuality?
Well, here are ten of my fav ways to reduce your tax bill thanks to two simple words – income-splitting (as opposed to sprinkling).
10 Ways to Reduce your Tax – Oct 29
  1. Do you and your squeeze both work? If one earns more than the other, have the chief breadwinner pay all of the regular expenses – mortgage, rent, food, daycare, weed, insurance, booze, clothes, rehab. Make the lesser-monied spouse the chief investor in the family, so the returns (capital gains, dividends, interest) will be taxed at a lower rate.
  2. Ditto for registered retirement savings. If you earn considerably more than s/he does, or have a defined-benefit pension, use up all your RRSP room for a spousal plan. You write the contribution off your higher taxed income while your spouse gains control of the money. After three years it can be withdrawn at their lower rate – so you’ve just sprinkled!
  3. Here’s another one, if there’s an income disparity between you: loan your less-taxed spouse a bunch of money for investment purposes. S/he puts it into a nice little non-registered account and starts collecting dividends and earning capital gains in a tax-efficient way. Even though it’s your money, none of that income is attributed back to you – so long as this is set up as a loan at the CRA’s prescribed rate of interest which is, believe it or not, just 1%. Interest must be paid annually by the end of January but all of that is tax-deductible. Yes, your spouse can write it off the investment returns. This works for kids over 18, too. More sprinkling!
  4. Also with income-splitting: if you are a wrinkly collecting CPP (everybody should start taking it at 60, no exceptions), this can also be split with your less-taxed spouse.
  5. If you didn’t listen to the advice on this blog, bought individual equities and were handed your rear end by Mr. Market, sell those dogs before Christmas in order to realize a capital loss which can be used to reduce taxes on capital gains. Losses can be used to neutralize gains not only in the current tax year, but going back three more years. This can help you recover taxes that you paid as far back as 2014.
  6. You can also take crap assets that dropped in value and dump them on your kid. Another great reason to have children! Investments can be transferred to a minor child and that will also trigger a tax loss in your hands which can be used to offset gains. Now your spawn has an asset that, when it recovers in value, will be essentially tax-free with none of the gain attributed back to you.
  7. Fill up your TFSA, obviously. Also that of your spouse. And your kids over the age of 18. Gift money to all of them with no gains TFSAs attributed back to you. Remember, $5,500 a year for 35 years earning 7% will result in $819,000, of which more than six hundred grand is compound growth. So ensure these are not savings accounts, but investment accounts – no GICs, HISAs or other dorky stuff. Also when you retire, a $819,000 TFSA will give you about $50,000 a year in taxless income which will not reduce your CPP or OAS by one cent.
  8. If you’re 71 and have to convert an RRSP to a RRIF, be thankful you robbed the cradle and married a babe younger than you. Your mandatory retirement fund withdrawals can be based on the age of your spouse, keeping them to a minimum and allowing your nest egg to grow larger, longer.
  9. Obviously put money into a RESP for your kids. The feds will give you an automatic grant equal to 20% – so for a $2,500 contribution you receive $500, up to a lifetime total of $7,200. Free money. Duh. Why would you not do this? If your kid grows up to be a rock star or a high-net-worth, Mercedes-driving plumber you can fold much of the RESP money into your RRSP. Remember to buy growth assets. Establish a family plan for multiple kids, not separate ones. And, for God’s sake, avoid the RESP-flogging baby vultures that skulk around hospitals. Go self-directed.
10.And, yes, use RRSPs. They’re still the best tax-shifting vehicle around, allowing you to write off up to $25,000 in taxable income a year. You can borrow money cheap to contribute, then use the refund to pay much of it back. Or open a plan, shift in assets you already own, and get paid money by Bill Morneau for selling yourself stuff you already own. That should make his head all splody.
Legal aspects of selling a house
If you’re selling a house – with more market declines ahead thanks to the new stress test – make damn sure the deal is solid. No long close. A mother of a deposit (ask for 10%). No buyer visits prior to closing. Deposit held in your lawyer’s trust account, not that of the listing broker. No condition on the buyer finding ‘satisfactory’ financing. And a clause giving you a day or two for legal approval of the offer.
Also do something radical – find out who the buyer is before you enter into a contract with them. Job? Circumstances? Background? Can they afford it? After all, you’d never rent your cheapo condo to someone without a credit application, references, credit check and income/employment verification. Why sell a $1.5 million house to a stranger and make huge life changes based on a closing months away that may never happen?
HELOC & Risk Investment Strategy – August 7th
So he wrote me with an idea and a question:
I’m curious to know if you’d recommend pulling out 100k in equity in a house NOT to buy a rental house but to invest in a diversified portfolio and hopefully make a 6% to 8% yearly return only to turn around and put it back down onto the mortgage to pay it off faster? I’ve been contemplating on things to do to pay down the mortgage and create some income, no good having this equity just sitting here when it can be working for us! Seems starting a corporation is out of the question now thanks to T2 and his finance guru.
Given that real estate’s fat days are behind us but debt isn’t going anywhere, does this make sense? Maybe. Let’s roll it around.
Millions of people have, collectively, billions in real estate equity. When house prices stop going up, this becomes dead money. The only value you can really ascribe is what it might save you in equivalent rent. For example, a $1.5 million house can normally be rented for $3,000 a month. The family with a $500,000 mortgage and $1 million in equity is spending $2,400 (monthly) on the mortgage plus about $600 in property tax, insurance and utilities (water, sewer) that renters never pay. So they ‘own’ a home for the same monthly outlay as the family who rents it.
But they have put down $1 million to live there. If that were conservatively invested, and returned 6% annually, it’s $5,000 a month. So the house actually costs $8,000, and could yield a non-deductible capital loss as easily as a non-taxable capital gain.
In other words, in a declining, flat, comatose or normal housing market, the cost of ownership when real estate has climbed to these levels is insane. Renters who invest win, ten times out of ten. If interest rates creep up and mortgages renew higher, the economics of owning get worse. In the current environment, a lot of people have to be asking themselves – like Kevin – if there isn’t some way to use that dead equity which is no longer supporting a rising asset.
Yes, a HELOC is one way of unleashing equity. It’s a line of credit secured by real estate, which means the debt is registered against the property but also that it comes with a preferential rate of interest. That’s normally prime + 0.5%. These days that equates to 3.45% (and it may rise to 3.7% in October). The line’s rate is almost always variable, so it will increase along with the bank prime. And HELOCs are demand loans. If real estate prices truly collapsed or another credit crisis hit, the bank could ask you for the money back in, oh, 30 days.
The good news is all of the interest is deductible from your taxable income if the money is used to generate more money. Yup, that could be real estate paying you rent or (wiser) a balanced and diversified portfolio of financial assets. So, if you earn $120,000 and live in BC, for example, you effectively reduce the loan interest rate by 41%. Now the HELOC costs you just 2%.
Given that well-managed, non-cowboy, globally-balanced and diversified ETF portfolios have pumped out an average of 6.5% over the last seven years (two of which were market stinkers), this mean a spread in the 4% range. Last time I checked, that was better than the 0% home equity is currently paying.
So to Kev’s question. If he borrowed $100,000 on a HELOC and invested it for a 7% return, then used the cash flow generated ($7,000) to pay down his existing mortgage faster, would it make sense? Well, interest-only payments on the line would cost $3,450, but he’d reduce his income tax by $1,400 (if he earns enough). So he’s up five grand. That’s cool – it can be used as a pre-payment on the amortized mortgage. But wait. Kevin now owes another $100,000. But wait again. He has a $100,000 liquid investment portfolio.
By removing equity and borrowing, the Harley dude has (a) diversified his net worth, (b) reduced his income tax bill and (c) accelerated the mortgage payments, saving a whack of interest.
This is not a slam-dunk strategy for everyone. If rates rise and the payments get hard to make, you lose. If the world goes to crap and the loan is called, you lose. If your house craters and the bank finds out, you lose. If your job fades, you lose. If you invest in the wrong stuff (like gold, bitcoins, weed stock or junior oil & gas), you lose. If the feds drop the hammer on HELOCs again, you lose.
Debt is debt. The world’s soaked in it. Most people would be unwise to shoulder more.
The best strategy, history will show, is to trash debt by selling high. This is high.
Complex home buying tax strategy, courtesy of Derek Holt – the chief economist at Scotiabank
· Make a $19.2k RRSP contribution just three months in advance of buying a home… • …assuming a 30% tax rate, deposit $6k tax refund back into RRSP… • …then withdraw the allowed $25k maximum under the HomeBuyers’ • …to be repaid to the RRSP in equal installments over 15 years starting 2 years after withdrawal with no interest penalty and the payments are not counted in mortgage serviceability calculations… • …at, say, a 4% rate of interest, this equals $8k in interest savings over 15yrs… • …which means the initial $19.2k RRSP deposit has been parlayed into an effective down payment of about $33k, or an extra 70%+ • No restrictions on the source of the original RRSP deposit (can borrow for it, ‘gift’, etc). • ie: the zero-down mortgage can still theoretically exist • If a couple, and both are first time homebuyers, double all of the math above (ie: turn $38k from liberally allowed sources into a $65k down payment)
· If a major bank’s showing clients how to take $38,000 and game it into $65,000 through exploiting the system, it might indicate we’ve all hit a tax wall. And this is even before T2 Hoovers out the savings of small business operators, vets, docs and the local John Deere dealership.
submitted by Pugeroni to PersonalFinanceCanada [link] [comments]

Transcript of George Webb Video Series Part 307 "Hillary's Leakers, Hackers, and Henchmen" [@Georgwebb / #HRCRatline]

  • Day 174.2. Chicago Live - Essential To Mention The Menschels - YouTube
    • Good morning Chicago good morning Chicago you can see that the snow is still very much a part of the ball game here in Chicago
    • And I wanted to do a little bit of a live stream
    • Task Force is of course we've got a water taxi just leaving now
    • I wanted to do a little bit of a live stream while Task Force I'm not I don't smoke, but somebody left them wanted to do a little bit of a talk about some of the different things going on here
    • And kind of this kind of Deep State war that's not necessarily obvious
    • But I believe it's going on
    • And just catching our breath before we all jump to war like we did in Iraq where we ended up there like 11 or 12 years
    • Or in Afghanistan where we ended up there 17 years and we're still fighting that war
    • It seems very much like building a hotel like Trump Tower which just around the corner he can't quite see
    • Now, they coming for you Rahm this early
    • Now, a lot of people mentioned when I mentioned when I did the salute to the Fire ambulance yesterday that Rahm may very well have been just as a woman and trying to make his exit again, out of the city
    • So there was that possibility and I'm sorry I didn't allow for that
    • I just was saluting the people that were driving the ambulance I wasn't thinking about Rahm hiding in the back as a nurse
    • Bo but you could see if you were trying to build rail cars in China China China instead of Chicago where you might want to have to use that kind of escape
    • But let's get back to the issue at hand here what we're really talking about today is the power of the press
    • The power of cable news the power of mass media to send a whole nation plunging into war without really thinking about it
    • And of course is as there's other channels that have described how much I am a descendant of the Hearsts
    • So I had a chance to call William Randolph Hearst this morning
    • Of course William Randolph Hearst had a whole consortium a whole network a whole syndicate of papers
    • I remember grandad when when I would get up in the castle
    • And he would have 15 phones all cradled on each side
    • And he was telling different news editors in different cities what that title is gonna be
    • So no no respite for Spain and--Spaniards out of Cuba
    • And he would have a slightly different angle on all the different titles
    • I'm wondering if that's not what we have now, only it's just called the Broadcast Board of Governors, right
    • {{ 911: George I love your silly schoolplay segues }}
    • It's the broadcast Board of Governors
    • And Governors in the worst sense of the word: meaning we're gonna tell you what to write
    • And indeed there is a lot of talk about a 4:00 a.m. cut sheet that goes out to all the Victoria or excuse me the I can't remember her name right now, at CNN, wife of Tom Nides, to tell them hey here are the big talking points this morning--I saw Adam Kitzinger from Illinois I want to say 14
    • But I'm guessing
    • From Kankakee Adam kissing her from Kankakee saying hey Trump doesn't need Trump doesn't need authorization from Congress he can just go plunge right ahead plunge the nation straight into war
    • Forget about the War Powers Act--and forget about informing Congress and having a debate or anything like that let's just go ahead and start bombing weather weather--Russia did the attack or not or or Iran did the attack
    • But you start bombing like Israel did
    • (Well I think Rahm I think they're cleaning out the whole cabinet--that's not just one or two Rahm they're coming for everybody...everybody who called in the Mossad airstrike...I think they're cleaning out the whole top deck there Rahm)
    • We'll get down to the Flamingo and the Picasso there
    • (There's good reason to believe here that...Is Weiner in town as well? as Debbie Wasserman-Schultz did they have a United Center super box event )
    • {{ WEHEEEEEEEEEEEEE Sirens }}
    • Now, there is an ugly rumor going on in Chicago right now, that Rahm has learned to drive a fire engine
    • And he is making his way around the city, and he's got a very long handlebar mustache
    • Let's see if we can pick him up as he comes by {{ REEEE }}
    • He seems to need a little bit of a booster seat
    • I have to believe that wasn't Rahm a guy had pretty wide broad shoulders, so I'm gonna go ahead and just say right now, I don't think that was Rahm
    • But if you and I don't really mean to pick on the Sun I really wanted
    • I don't want to talk about old Mossad maybe that's Rahm entourage
    • I really want to talk about kind of the business interests of war
    • I remember when Grandpappy Hearst would talk about that and the money the spoils of war
    • Oh so many years ago at San Simeon
    • But the we were yesterday we filmed down at Federal Plaza
    • And as you all know they were closing in and demanding documents from the DOJ to go over to Bob Goodlatte in the House Judiciary
    • And also over to Devin Nunes in-house Intel
    • And we successful or we showed the relationship of how close the guy who was put in charge of that activity a guy named LAUSCH was to the head of the counterterrorism division in the FBI bill Priestap
    • I mean very close
    • But it goes deeper than that and--he's married to someone named Sabina Menschell
    • Now, you might say [[Sabina Menschell]] Sabina Menschell Sabina Schmentzyl and what does that mean to me?
    • Well it goes back to what I've been saying about privatizing, like CrowdStrike
    • Privatizing our Intelligence community for private profit
    • And Sabina Menschell is one of the top lawyers at a kind of a Fusion GPS type firm called [[Nardello]]
    • Nardello has a lot of ring to--of other words that rhyme with Nardello
    • But Nardello is kind of one of these covert operative kind of attorney-client privilege base--spy firms in Washington DC
    • I don't think anybody doubts that I think if you Sabina Nardello was right here we had her say that she'd say well you left out the part about super spy--she would be the first person to say yeah we're super spies
    • Well if you look at who Sabina Nardello's parents are or yeah is one of them is Celine Selene Menschell M E N S C H E L
    • And Celine Mitchell was Goldman Sachs
    • She was VP Goldman Sachs--and when you're at Goldman Sachs you can invest in a whole panoply of things
    • It's hard to really pin you down and to--oh that was depleted Uranium oh that was whatever that was this spoils of war investment
    • That was that swells war investment, but the real player is Bob Menschel
    • Bob Menschel was is a billionaire he's one of the top guys he has an endowment at the Council on Foreign Relations in New York
    • He has an endowment at the Museum Modern Art in New York
    • He's he's based here in in in Chicago though
    • But anyway he's quite a wheel
    • He's got the like the philanthropy prize from Carnegie
    • And in 2015 he's quite the investor
    • So he's quoted a lot in Forbes...and it talks about value based investment...but he's a billionaire
    • Now, when when they want to go to war what they do is they pick up the phone, and they call Rahm
    • And say Rahm you've got some guys at the lower levels of the Israeli Air Force IDF
    • Why don't we just put a little fire on--T4 over there in the middle part of of Syria
    • Let's let's get this to be a shooting war
    • Let's try to get Trump all jacked up and make this a shooting war
    • Is that happens?
    • Yeah that's what happens
    • Because there's all sorts of business for Nordello at that point to do covert operations overseas...it's a real Rainmaker
    • So this is not like 18 steps removed to Mossad--you know Avi Bravermans Masada then
    • Again,--this is like one hop from Bill precept when he I mean he his uncle I mean hey Uncle Bob: where do we invade today?
    • How do I--exfiltrate a whole bunch of business to my wife today?
    • That's where we're we're talking about so I think it's time to kind of peel back the onion a little bit
    • And look at the motives of the people involved here
    • And stop with this kind of knee-jerk reaction saying oh--Spaniards out of Cuba--Remember the main--All that kind of stuff
    • Although--I remember when we used to have tea up here at the top of it--of the Wrigley building with Grandpa Grandpa Hearst it was it was well it was quite a quite a thing
    • So everyone wonders where Task Force's
    • Task Force's doing her thing: she researches crazy crazy crazy in the morning
    • She's just up early and she's always researching
    • So we're gonna have a lot of stuff on the south side of Chicago a little bit later today
    • So we're not gonna talk about that right now
    • But I wanted to mention the Menschels because if you don't mention the Menschels, you don't get the essentials
    • So to really understand this war and what's behind this war you have to mention the Menschels and understand the essentials
    • These are the essentials of war, not the trimmings not the--grandpa Hearst with all the phone saying this is what the headline is gonna read today
    • You've got a look beneath the headlines beneath the story and get the true story, which is there's a lot of business interests that make a lot of money
    • And as I did my first piece this morning there's also a way this kind of a cleansing action--you have a war or and then you have a big flood it kind of cleanses everything
    • That's why they always at the end of the war want to break the dams, it just kind of cleanses everything out
    • Same kind of thing here there are 50 I think it's 57 sites where chemical weapons were used by Isis
    • Again, we funded it, by Isis in Iraq, excuse me it's still very cold here in Chicago, still a whole bunch of sites in Syria where we took oil fields in Syria
    • And what it what a great thing to go back in with all the same--cast of characters that John McCain loves to meet with surreptitiously right before gas chemical weapons attacks or Mark Rubio
    • And wait--we did it with in Libya with Qaddafi why not do it over here--with Isis and the king king of King Abdullah in Jordan
    • Why not do it again, gee whiz it sounds like a lot of fun
    • So the big that's the big thing I wanted to say this morning let's catch our breath let's think about it just because Adam kid singer--wrote around in a Humvee for a little bit doesn't mean he he declares foreign policy in the United States
    • We do have something called the War Powers Act we do have a balance of powers
    • We should have a debate about this going to war
    • We should look at it who's really driving this?
    • Is it really because the coup didn't go so well--isn't that what really is happening here?
    • The coup didn't go so well the Comey Lynch McCabe Rosenstein Priestap coup kind of fell on its face
    • So what do we have now, we have Bill Priestap basically over at the Federal Plaza here in in Chicago where don't worry we'll broadcast later
    • And he's--calling the shots he's calling over to Rahm a couple of blocks away--Calder to Picasso Calder to Picasso there's a Calder her artwork it looks a lot like a Picasso
    • And there's Rahm has a Picasso over by City Hall he's saying hey what can we do to get like I push Trump push Trump into this kind of knee-jerk reaction well I know we'll hit we'll hit a site and kill a bunch of Iranians
    • well great I mean maybe that's the response that we need
    • But maybe maybe we need to sit back think about this
    • All the targets are gonna stay right where they are
    • You can't move a missile base or you can't move you can move ships
    • But you can't move all these fixed targets--you can move some trucks around
    • But I mean for the most part the bombing targets are the same when Obama had the same decision
    • And Obama if you remember correctly I don't want to make anybody mad
    • But he said to Fadan, Turkish Intelligence "we know it's you. We know you were the guys who did the chemical weapons attack in Aleppo, and we're not gonna do it"
    • I'm not gonna cross this red line because it's a fake red line Trump
    • Should do the same thing I've got to think about this before we plunge the whole country into war
    • So I'm gonna take a few questions here
    • And then we'll wrap it up here very bright
    • So all right Wow
    • So it's impossible to read
    • So I'm gonna give up on that
    • But later we'll be broadcasting from Hearst Castle
    • We'll be going through all of our inventions for the time phone
    • I'm just kidding no actually--I want to say that that episode that Quinn did was actually pretty good about my dad
    • There was a lot of facts that were covered initially before you got to the time phone and before you got the Hearst Castle that were actually really right on the money
    • {{ 911: George You dum dum dodo head. Stop lying. Everyone knows that a "Time Phone" can be used to talk to someone in the future, wirelessly through an etheric, booz-weinstein condensate bridge to refuckulate biophotons through a rare noibium doped baby tailbone crystal and neptunium element 93 scalar antenna, using icosocarbon nanotech to matrix stem cell microtubules in an n dimensional manifold across a lambda time dimension. It's not invented for another 33 yrs...Quinn exposes all of this. And you've been talking to Granddaddy Hearst who didn't die, but instead went into the future using Emperor Barron Trump's Tesla Time Machine Apparatus developed by his uncle Dr John Trump and given to Donald; and THAT is how you're so prescient in all these investigations. You're getting help FROM THE FUTURE, you cheater! Stop Lying, George Norbert Luuk Hearst III, Prince Wakenhut of Gildenbourg We're on to you! }}
    • And a lot of those did actually go into an investment firm here in Chicago in it I do believe that's one of the reasons they bought the patent
    • And got the patent for Google for Motorola first been to Google
    • So we'll talk about that later
    • I'm gonna leave it right there thanks everybody it's been a great having my morning cup of joe with you all
    • And I can't read the questions unfortunately otherwise I would answer them
    • But you've got to mention the Meschels
    • I guess the essentials are you got to mention the Menschels, because if you don't understand the Menschels, you're not gonna understand actually who's calling the shots why
    • And I didn't mean to say Rahm called in to some Colonel running some air base and did the T for attack I'm sure it in Homs
    • I'm sure Bibi had to sign off on
    • And they said baby we're gonna run you up on--charges if you don't--sign off on this one
    • But this is the old Mossad wisdom, where you go look why why do you want to do this?
    • We're gonna make money just go into southern Syria sit down with Cheney and Woolsey and the whole crew and Rothschild child
    • And say we're gonna take 30 miles of Golan Heights
    • We're gonna give you fitty you get fitty
    • Here's your fitty and--be happy with the fit otherwise we're gonna--start bombing--
    • If you're gonna just be strong Arming, because you want the Golan Heights there's no reason to kill all these women and kids just go in there strong, and say hey we're gonna make the bigger Israel play
    • We're gonna take 30 here's your fitty you were done
    • Trump's a dealmaker we don't need to draw this bombing where then
    • You know what? Let's leave Raytheon out of this
    • And let's leave McCain out of this
    • Just do it at the business table
    • Do it at the table--when when Trump built Trump Tower
    • He didn't say hell I got a great idea let's build Trump Tower No it's a
    • <
  • Day 174.3. Trump Attorney Raid Coughs Up Pinchuk and His PinchBears Hacking Team - YouTube
  • Rahm? Rahm? Rahm? It looks like he may be in the back
  • I do see a gray-haired older gentleman in a nurse's outfit
  • It looks like he may be held in traffic now
  • I do think somebody spot him spotted him here on the bridge
  • And I was trying to get the I was trying to get the Bitcoin to him
  • But I do think Rahm Emanuel was cited
  • So I did see someone a white-haired gentleman in a nurse's outfit duck in with a handlebar moustache, duck into the, duck into the ambulance
  • We'll see if he gets out of the city safely
  • We'll see if he gets out of the city safely
  • We'll have an update for you a little bit later we're worried
  • well we're back live Chicago I thought I might have been able to get the thing to him
  • I had him just to meet me on the corner with an uber but he was clearly sighted
  • Now, he was already pre dressed Rahm was already pre dressed in a nursing outfit EMT outfit
  • So anyway Pinchuk
  • [[Pinch Bears]] Pinchuk
  • So now, there's a hundred and fifty five a big raid on Michael Cohen's office is going to yield one hundred and fifty thousand dollar donation to Michael Cohen to Trump's charity for one hundred and fifty thousand dollars
  • Well how do we know Victor Pinchuk?
  • I believe this is before or maybe right about the time Trump runs for president
  • Well we know the Victor gave five hundred thousand dollars to Bill Clinton for a speech
  • And we also know that he gave quite a bit of money to the Clinton Foundation
  • We also know that he did a deal called Vero Pharm[sic] [Vero Pharma] that later became one of Rahm's partners in Abbott Labs
  • So we know about that we know about Joe Rago ending up dead
  • We know about the Pinch Bears the Pinch Bears the hacking team
  • The CrowdStrike hacking team that came from Dimitri all pair of itches Alperovich's dad, that were kind of split-offs from the Soviet Union
  • We know that these oligarchs--which are really just criminals like Deripaska and Pinchuk--get teams assigned to them
  • They get hacking teams assigned to them to do economic espionage, so that they can take over assets like the New Jersey Nets or the Brooklyn Net now
  • So that's all developing
  • Again, I want to say there's no names that you learn in this series that don't end up paying off
  • Well as Jack Nicholson said in silver dollars that you're gonna light up like a pinball machine eventually
  • Every name in this series is gonna light up like a pinball machine and pay off in silver dollars
  • Pinchuk is just yet another example of Hillary accusing someone else of something that she does a thousandfold more on the other side
  • Again, we'll wait for the next is Firtash next?
  • Trump's response to me would be to immediately sanction Pinchuk
  • Shut down the Nuge take the Brooklyn Nets into receivership
  • Take the hockey team into receivership
  • Take the Brooklyn casino into receivership immediately
  • Freeze all assets overseas overseas of Pinchuk's assets, until we get to the bottom of this pay-to-play
  • {{ 911: Chicago is a noisy ass evil place I never want to go back to. It's nasty! No wonder Rahm and Obama and all the baddies consider that their center of operations. If I were Putin I'd nuke Chicago as #1 target }}
  • Day 174.4. Hull House Horror? Did Weather Underground Bomb From There? - YouTube
    • Well here live at the University of Chicago famous for many things famous for the Manhattan Project famous for a lot of stuff before Manhattan Project
    • But the football stadium here is where the Manhattan Project was originally developed
    • So it's very famous for that
    • We're also in front of Hull House
    • Hull House the subject of many different commenters--Field OConnell[sic] [[FIELD MCCONNELL]] being one of the key commenters
    • So there it is Hull House--it's kind of like a 1856 is when this house was built it's a two-story building
    • And right on the grounds of the University of Chicago
    • So Task Force I knew I shouldn't have started good we have we we we have several McCabe zealots out on the internet that want to attack our guests for some reason that's I understand that they want to protect Andy McCabe or our big Andy McCabe fans
    • But anyway we're leaving that aside right now
    • Let's talk about it let's talk about whole house, and some of the things Field O'Connell's[sic] [[FIELD MCCONNELL]] research is done and Kristine Marcy and the SES and all that stuff
    • TF: Well Field McConnell is from [Abel Danger]
    • So give a shout out to him he's done a tremendous amount of work on this
    • But Kristine Marcy would
    • G: Now Able Danger program was a program--
    • TF: the program that was [Able Danger] was the original program run by Lieutenant Colonel Tony Schaefer prior to 9/11 that was tracking the 9/11 hijackers
    • G: Tony Schaefer track in this would blind Sheikh and all those
    • TF: all those guys and
    • So that Abel Danger that became a kind of a website of people involved and kind of exposing 9/11
    • G: 9/11 Truther Stuff
    • TF: 9/11 Truther Stuff
    • But even more than that Phil McConnell was Air Force pilot he's got his own jet in a museum
    • And it's tremendously knowledgeable guy
    • And his sister happens to be named Kristine Marcy
    • Kristine Marcy was part of starting what is now known as the SES in 1979, as Senior Executive Services
    • Something that's coming up on the internet everywhere right now
    • One of the things that Field talks about is that the SES was part--Hull House is kind of part of that there was some very controversial things that happen at the Hull House
    • And I just encourage people to research it
    • The tie-ins with Sidley Austin law firm, as well as some of the
    • G: Now [Sidley Austin Law Firm] I remember seeing the Sidley House by Tenleytown in Washington, DC
    • Any connection?
    • TF: Well I don't know...I know there's a school for children and politician that
    • G: Rahm Emanuel I think was a ballerina yeah ballet dancer well I'm not sure
    • But then there's a Sidley investments here on Dearborn right yeah in Chicago, so we'll have to do some more research
    • TF: yeah Sidley Austin Law Firm is where to the most famous people in our country first met and so you guys can research that look into that
    • G: I think you're speaking of Barack Obama and his wife Michelle Obama
    • I'm gonna go ahead and use those code names from here on in for those two individuals
    • TF: and so I'm looking at that and then also the fact that Bernardine Dohrn who was part of the Weather Underground...along with Bill Ayers
    • G: Along with Bill Ayers
    • G: A lot of people say Bill Ayers wrote the ...all three autobiographies that I read about Barack Obama, codenamed Barack Obama, as is that true?
    • TF: That's what people say I don't know, but I know that there's there's a connection with Bill Ayers, bnd Bernardine Dohrn Sidley Austin law firm, and Hull House
    • And I think it would be interesting for people to look into why did that occur why was it shut down suddenly in 2012 why is it?
    • Now, I mean what actually happened here in the tie-ins that filled McConnell's know
    • G: So I'll fill in a little bit
    • I think around 1889 is when they say that--my grandfather would have been coming through here right around that time
    • He didn't come through Chicago he came through Ellis Island in New York
    • But a lot of immigrants could not speak English
    • They didn't have any skills
    • A lot of more children
    • A lot of them had sick parents, and ended up a lot of children ended up here
    • TF: I think they have a yeah it was mostly an orphanage, so that's kind of boys house in a girl's house
    • G: And there was a young singles girls house called the Jane House as well
    • TF: Jane Addams is the founder of this place and so you can do research on her as well, and kind of get into the history of this place to be really informative for people that want to learn
    • G: Now, interesting that this is on the property of the University of Chicago, and that it's under the jurisdiction of the Chicago Police
    • As an ex-police officer you may have some comments about that?
    • TF: Well the University of Chicago has its own Police Department as most universities do
    • And So I had read an article recently that they were actually patrolling we're doing work with about 65,000 of Chicago residents which is odd for a university campus police department to be involved in
    • So I actually made a phone call earlier just doing some research on policing in America
    • And talked to a lieutenant there
    • And he advised me that no, they they only work on campus
    • But he said they do go off campus a couple blocks here and there, because he has students that are commuting
    • Which is okay, but it's kind of contradicts what the article says, so I'm just curious as to how that works
    • G: we had this shooting that occurred, and it was a it was a University of Chicago police officer going off campus
    • And shooting somebody who was supposedly breaking windows or something like that off campus
    • Now, that would have been I don't know persona non-grata
    • If you keep going this way, going west, you go through the Chicago University Medical District
    • They have a thing called University Village, which I would understand that University Village that would be--the students...but you go to the University Medical District
    • Now, all of a sudden, if you start putting a bio the two stories we've done here together Bioresource center with the--$5,000 for a body no questions asked
    • And you put it together with the Medical School District that--rush rush hospitals in there
    • There's several major hospitals just to the west of us
    • And then you go a little bit further, just a little bit further, you're in Homen Square
    • TF: Which we're going to go visit
    • I mean and there is a real
    • I mean if all of a sudden you start putting bounties on people's heads you really create a moral hazard for humans
    • That's about best way I could say it
    • TF: yeah
    • G: If they're if fresh kidneys come out get your fresh kidneys, and a kidney's worth twenty fifty thousand dollars, you could find a lot of reasons why you need to shoot your best friend, right?
    • TF: Yeah I would hope you would not want to shoot your best friend for kidneys
    • But if you create a market you're gonna have that in there has been some stories coming out about stuff like that
    • So I think people should research it
    • And look into Homen Square in Hull House
    • And University of Chicago
    • And the other the other a troubling part about Homen Square
    • And potentially potentially Hull House is the we're doing liaison operations for other countries
    • So we're actually operating potentially as a torture Center for other countries
    • So it's off-book in the UK let's say
    • Or let's say Haiti or whatever small dictator we want to prop up, like let's say Kagame in Rwanda
    • And then we send ours there, if we want to torture somebody right?
    • I mean we don't have to report that to our Congress, because it's not a US citizen
    • And they don't have to report it to their Congress that's it they're not they're not a citizen of that country
    • TF: right I don't know all the--Jack Federal laws on that, but it seems like there's definitely something to this going on
    • And this has been a niche
    • And many times then it's come out in many different articles a lot of people don't want to talk about it
    • But that there was a con air yeah that was taking the US Marshal Service and they were flying people to Homan square yes
    • And here right
    • TF: And here in the whole house some of the individuals inside of us were used for reasons that people really need a research
    • G: So there's a there's an old joke in Monty Python not necessary ...life of brian which where he comes home, and he has too many kids he's the catholic guy, and he says well medical experiments with a lot of you--
    • We're so close to university medical district yeah you just you get beauty kind of get a creepy feeling you get a creepy feeling one in the house I'll just say that
    • TF: yeah definitely creepy is the feeling that I would describea and we got a chance to visit all the original house
    • And you can see all the old buildings and stuff which--is amazing
    • But you can also see and--if you research you learn enough stories and there's not so good things that happen here as well and
    • G: So so we've got one of the university's finest rolling up on us
    • Now, and so if he draws a weapon we will probably execs it from see him right down here
    • So we will probably draw a few drawings a weapon on us for speaking we will probably leave the premises
    • And remove ourselves to a public sidewalk
    • So with that you there you have it I think I will I'm gonna get I'll give you a little perspective of Hull House
    • And make sure I don't get the person who has recently been attacked by McCabe fans on me on the wide shot here
    • But you can see it's a beautiful old stately house
    • And there's 19 of these different houses on the 19 of these different houses in the whole complex
    • So all McCabe fans out there we understand you had a lot of hate toward us I get that
    • So continue the hate campaign
    • But the one way you can fight out against people who support McCabe is by giving to different people we feature here on this channel
    • Robyn Gritz would be one of those folks
    • And of course we have our own Task Force
    • And they both have their own GoFundMe or different different oop you're not on that
    • So we're gonna leave it right there from beautiful hell house Hull House here in South Chicago
  • Day 174.6 Flashing Red Bandana Means Get the Fluck Out - YouTube
    • We're gonna live again, here at Homen Square
    • I just want to say that homeland square is trying to do stuff that rehabilitates the area...
    • You can see the smokestack on the other side from where we were and
    • So it's not I mean it's not all Chirac--and there is--we had the other night where seven were murdered in one night in a small neighborhood called South Shore
    • And Garfield Park not too far from here
    • I've watched this actually for about a year that I've done shows on Homen Square
    • And it moves around--the murders move around
    • And--they're they happen in clusters four and five at a time
    • And in these different neighborhoods
    • Homen Square typically doesn't have as many as like Garfield Park is the one I
    • And Austin is another neighborhood that it seems to have a lot
    • South Shore not so many
    • But anyway it is--we've had
    • And I mean the TransAm that rolled up on us put the red bandana on the mirror
    • And they were not I mean they were like, "hey what the fuck you doing here?"
    • Is this our Lyft?
    • TF: yeah
    • So anyway all true, Task Force?
    • TF: All true
    • G: we're gonna head out
  • Day 174.7. Lyft Driver Witnesses Cold Blooded Murder Up Close - YouTube
    • So back to downtown Chicago not a very long ride actually from Homen Square here
    • And we had a chance to talk to a young mother
    • Well I don't know if she was maybe 28 29 30 something like that
    • But five kids
    • And she was telling us a story about well why don't you take it from there
    • TF: literally her children can I even go across the street to play in a park right across the street even if it's too dangerous
    • She talked about constant shooting she's witnessed a friends was murdered in front of her the lack of response from the local police
    • But just one second while the truck goes by yeah the one word meant
    • G: the one murder she witnessed up close the guy was shot eight times
    • TF: And the person was arrested let go
    • G: And she was one of the brave ones at the park that came forward
    • So that doesn't feel very good when you are the one of the people that comes forward and all of a sudden now
    • G: and then her cousin was murdered
    • TF: she's talking a lot about the statistics now there's some reporting that the statistics are getting better on the murders
    • And she said no they're actually fudging the statistics because she said that she could count 33rd 30 that she was looking for the paper
    • And never showed in the paper
    • So talking about the train stations
    • And just had literally train train stopping in these early hard neighborhoods
    • And just--like AR is out robbing people on the trains
    • And it's real sad
    • G: you you almost I mean I hate to say this about Chicago because I love Chicago and I've spent a lot of time here
    • But I almost get Trump's idea of Nan of martial law until you get a semblance of some kind of neighborhood
    • Because I mean the guys that rolled up on us it was just straight out--we are if you don't get back in that damn car they were gonna wait til we left--it was absolutely no doubt
    • And make we were in the middle of a of a desolate Street that only had broken glass on it
    • And our driver actually was scared to be there
    • G: yeah yeah our driver did not want to go there hey
    • And I figured well who would come here to this broken glass--who's gonna be who's who's there was nothing
    • I mean nothing no reason whatsoever car would stop there
    • That guys came right up and we didn't want you to want to shoot their picture because--we kind of wanted to live--that was good
    • But the bandana was there
    • But anyway I just think that--when I can count 38 murders that I know about personally
    • She said shooting every night shooting every night
    • And they're two minutes away from a train a police station
    • >>>CONT
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[Table] IAmA: Alright you perverts! I'm that dude with three testicles...ask me anything!

Verified? (This bot cannot verify AMAs just yet)
Date: 2014-03-25
Link to submission (Has self-text)
Questions Answers
Do you have a nickname for the almighty tri-sack? The trinity? Three musketeers? Threes -a-company? The trinity is my favourite so far..
Trifecticles? The Three Nutskateers? Ballverly Hills Cop lll? Never mind that last one. You're The Juggernutt, bitch! Hahah awesome!
Do you know doubledickdude? WAIT Are YOU also doubledickdude? Nope and nope. Sorry!
Would you rather have 2 dicks or are 3 testicles better? Testciles.
Have you ever considered naming them Alvin, Simon, and Theodore? Which one would be Alvin? Alvin is the right one, theo the left, simon the middle.
Wait.. Your right or my right? My right.
Your your right or my your right? Always mine.
Why did you want to show your genitals onto a random forum like reddit? You said in your first post "Finally I turned 18" or something like this. Which showed a general excitement. Was you excited to show your private parts out? I know it's funny, but were you in general excited? Ahaha I just know reddit would go crazy over my balls!
TFW I know people love my balls and want to know more about them. Haha darnit!
Relief that people know - Regret for posting pictures at all - Wishing you'd posted more - Shame that you took dong photos with a dirty mirror. Im kinda neutral on the fact that thousands of people have seen my balls, and no shame!
Any issues with running? Also, and most important, when it's hot out do all 3 stick to your legs or just two leaving the 3rd hanging like a little meatball pendulum? All three. Two to the left, one to the right.
Although for you, they're actually called 3UNDR. Hahaha.
How many people know about this? Close friends? Relatives? Siblings? What were their reactions? Initial reactions from sexual partners? Literally three people. Doctor, mom, dad.
Thanks for the reply, follow up. Have you ever had a hormone test done to see if you produce more testosterone than the average joe? No I havent but as you probably noticed I am not very hairy ahah.
Are you type A (all three testicles fully functional, connected to a vas deferencs) or type B (no connection to vas deferens)? What's a typical reaction from a partner? from doctors or nurses? I wanna say type B, but I'm not really sure. I've had the same doctor forever, and he's known for a long time, so there isnt much a reaction. No friends or partners even know.
Thanks for replying - I didn't know it was possible. Now I'm going to wonder if a partner who's touchy about his balls is actually very sensitive or maybe hoping I won't notice something. J/k. Sort of. Haha yeah I know. I guess ill just rock it and see what happens.
I would think the reaction would be similar to what you see here - curiosity, a few questions, I can't imagine it'd be negative. Yeah I hope so. *girl throws up.
So, have you not had any sexual experiences before? Or did they just not notice? Ive dabbled. Nobody has noticed. It wasnt that intense.
WAIT WAIT WAIT. I have to ask...how old are you? (Not that everybody needs to lose their virginity before 18, but um, I need to know I just looked at legal balls if I was gonna look at balls at all this afternoon) Haha yes I am 18. March 15 birthday.
Does the term "balling" have a different meaning to you? Whenever I hear someone say it I turn my head to see if that person was talking to me.
Do you have a ball-related nickname? Not yet but reddit has given me tons.
Why? Do people who know you generally know about this? And is that something preordered say, referencing your condition? Nope.
Do you have a favorite? Right one is the most normal.
What about poor old lefty? Eh he gets by.
With a little help from his friends? Yup.
Have you ever wished you had a different number of testicles? I mean, 2 has gotten pretty stale for me. Do you ever dream of like, 4.5 testicles? Or even 4.6? Im thinking right now and although this is interesting 2 would be prime.
Has a girl ever put all three in her mouth?! Unfortnately not yet;-)
Have you thought about doing porn? Yes but no.
3 balls is a rarity. Rarity = more money. Oh ya and secks and stuff. Haha u bet.
If you give them a squeese, which one hurts the most? The leftest one. It's the weirdest.
Are you like, the bravest guy in the world? Not sure I did anything that astounding?
But now whenever someone says to you, "wow you've got balls", you can be like, "yes. three of them, to be exact." Yuup.
How do you not get testicular torsion? I careful.
Do you battle fear of rejection or teasing while dating? Have you tried/thought of getting one removed? Is that even a possibility? (Questions of the female mind) Ive thought of getting one removed, sometimes I think of fear and rejection but then realise I could probably play it right. I'm sure it is a possibility.
Unless there is a medical reason, I don't think you need to remove any to feel better about yourself. It's not a big deal, honestly, more like novelty. And if my boyfriend had three balls, all my girlfriends would know, because I would brag. Yeah I probably wont to be honest...but knowing its an option...
Have you ever compared how much you ejaculate to another man? Would you say less or more? Nope I have not.
Maybe even less.
Three is my lucky number. Did that factor into your ball count? Yes.
Pretty Ballsy to post this if you ask me. sorry had to Question: how do partners generally react? Haha none have found out. I'm not gonna go say I've been with many though...because I haven't.
I feel like it would be hilarious if you never tell a future GF or wife and just see how long it takes, imagine their reaction if they don't notice for like 3 years. Hmmm...it would be a cool experiment.
Did [this] (Link to www.youtube.com joke go over your head when you first saw it, or did you always know that you had one more scrote than what's considered "normal"? Hahah ive known since people started making nut jokes!
Yo got balls. Anyways, are there any positives/negatives you have with having the..yanno... three musketeers? Negative, they take up a bit more room and would be awkward to explain. Positive...I can say I have three balls?!
I don't see how you could give an honest answer since you don't know how much friction 2 balls cause. Exactly what the problem is with most questions.
Is the bounciness a problem when you go for a jog? Also have you ever worn spandex at the beach? The bounciness isnt really an issue with the right underwear and I can't say i've ever worn spandex at the beach...
Newton's Cradle? Link to imgur.com. Hahah yes!
Which one do you think is worse? Having 3 balls or 1 ball? 3 prally.
Have you ever been Eddie Torres for halloween? Nope but I might this year? I'm not too old yet!
Wait a second... I just looked at your balls. How fucking old are you? Just 18.
Obviously your parents and probably close family are aware. Is it solid joke material within the family circle? You don't seem to be sensitive to the issue. My parents know but they have never joked about it.
How bad does it hurt to get kicked in the balls? Pretty bad just like anybody.
Do they affect your confidence with girls at all? It doesn't look like they'd even notice it truthfully. No it hasnt. Im just scared if maybe one did find out...
Do you like that you have 3 testicles or is it a bit of a problem to you ? Id rather just have 2 tbh.
Don't say that! You've been blessed! Hahaha.
Are they all the same size and function the same? And if so, do they require any extra "attention?" The rightest is a bit bigger. They dont require extra attention.
Care to elaborate on your decision? I mean.. 30 of them?? The more the merrier.
Would you mind donating the extra to James LaBrie or Roger Hodgson? For $20 000.
I don't think you know what "donate" means. I guess I oberlooked that.
Holy shit you're also Canadian. Somehow I see this as our new secret super weapon. Other than being more masculine than every other man by default, what other super powers do you have? Can you control your erection like Brock Sampson? I can punch people with my boner.
Has any classy lady had the pleasure of fitting all three in her mouth? Nope nobody has had the pleasure...
Is this literally your most asked question? I've seen it at least three times myself! :P Most asked is "how big are your loads"
Can you knock the paint off walls with your mighty orgasms? Its like a pressure washer.
I only have one. Can you hook me up? Im putting it on silk road for 100 bitcoin.
How do you feel about women with 3 boobs? Have you met one? Do they feel the same about you? Are you sad you don't have 3 penis..is? Are my questions getting to weird for you? How bout now?..OK I'm done. Hahahaha.
What is the weirdes reaction that someone have given you when they found out? Unfortunately I don't have any of these stories...
Psh. Man it's Reddit... Just lie! I did show my friends the post so they have all secretly seen my balls now though!
What did they say? They all just laughed!
It is going to blow their mind when they find out it was your ball sack you showed them. . . I aint telling them.
Do you get 1.5 times the amount of satisfaction i get when i unstuck my balls from my thigh? Yes but it comes with 50% more discomfort...
At this point in the AMA I have to ask... How many creepy weird messages have you received regarding your tri-nuts? About 20PMs from dudes asking to put my balls in their mouths...and another 30PMs from girls just saying normal stuff about them. The guys have been way creepier.
How is there enough oomph in there for another one? Mine hang n shit, but there ain't room for a third. Guess I was born like that.
Have you named them yet? If not, are you open to suggestions? My fav: The Three Nuteteers. Thats definetly going in the hat.
So what's the big deal? Why can't you just surgically remove one? Should be simple as hell. I could and I might.
Do you think getting hit in the balls would hurt more or less without a third testical? It probably hurts more. I'm not sure if they all work. I would think at least one does.
What's your favorite color? That tint of purple you get in the veins when you bundle your balls.
So when someone says "Grow a pair" what do you do? Whip out my balls and say "I tried but failed"
Do you feel that having an extra ball makes up for being circumcised? I dont mind being circumsized.
In fairness, this would likely work at college bars pretty easily. It's kind of like a woman saying she has pierced nipples. there's only one way to be sure. And while they're looking with their eyes... Anyone else think this would make a great pickup line in the sleazier dives for this reason? That seems to be the concensus.
What's the sound of three balls slapping? Clack...delay...clack...echo.
Wow. They cut off your foreskin, but left you three testicles. You're lucky that they hadn't descended. You know those sick fucks would have wanted to take it from you. Does it hurt 50% more when you get kicked in the balls? Theres just a higher chance ill bebhit.
Is this your theme song? So far...yes.
How do you like your coffee? I hate coffee.
Good point. Do you have to get special ones? No just bigger.
Have you seen this? (Shameless x-ppost into comments). Link to www.news.com.au. Yes I have. I was flattered!
How the hell do you fuck!? excuse my brash manners, but seriously, does it hurt to even masturbate? Its not painful.
I Had cancer and lost a testicle. Can you spare one of yours? For a hefty sum!
I don't recommend getting surgery on your junk. I didn't enjoy it. Enjoy your three balls good sir. Haha okay:)
How tall are you? Head hair color? 6 feet blond/brown.
Does getting kicked in the balls hurt more than you'd expect it normally would? Theres a larger surface area to be hit!
Homo Eroticus? (great movie) Hahahaha.
Do you have extra testosterone?? or extra spermy loads? Nope and nope.
Would you say you have a high sex drive? Maybe?
Which ball do you consider to be the extra? Left, righty, or center...y? Yeah I dont really know. Id say left.
Do your parents know (maybe from when you were a baby?). Yuup.
Hope this isn't too personal but are your loads bigger than normal? Nope.
Rob Ford 4 Mayo. Yeahhh.
I bet if you auctioned the third one Lance Armstrong would pay big. I know. Id maybe go for $20 000.
Reminds me of an old joke. A guy has three balls and wants to make some money. So he goes into a bar and bet a guy that between them they have five balls. So they go into the bathroom and the other guy drops his pants and says, here's mine, lets see your four. Hahaha.
Extra large athletic protectors required. Definetly.
There are literally dozens of us! An army to be awoken!
Curious if you've had a sperm count test to see if all the plumbing works. (Might be worth doing at some point before the possibility of marriage rears its fertile head.) And, of course, there's that Monty Python sketch... I'm yet to have any testing done. I'm starting to think it would be a good idea though!
The good part is his deep manly voice. The bad part is he needs a beach towel for a spuge rag. Hahaha.
Will you draw faces on them and post it to /WTF :D. Hahahah.
I will respect you when you get three chicks to suck each nut at the same time. Apparently I'm yet to get your respect:(
Would you rather fight 3 Horse sized Human testicals. Or. 30 Human sized horse testicals. The second one.
Just got caught looking at your ball sack on the train.. Ahahhahah. At least they are nice balls.
I see you're freshly shaved and ready for the photoshoot. I am indeed.
Hey some asshole on a radio station i was listening to at work brought you up and just started yamming on about reddit and how you have 3 testicles...it was actually kind of upsetting some stuff he was saying. thought you should know. sorry for the bad news. Hey I heard about some radio shows talking about me? I actually want to hear the kind of stuff he said please! I dont care if it was mean. Tell me!
So when you cum is it just like opening the floodgates of semen or just normal. I wish but im pretty sure its normal.
Nice AMA, you've sure got a set of balls to put a dick and balls pictures online. Haha I guess I do.
My ex-father-in-law boasted of having three balls as well, I never accepted his offer to see them. Clearly he was proud of them and had no need to be embarrassed! Haha thats awesome!
Last updated: 2014-03-30 00:42 UTC
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