NBA and Los Angeles Clippers need to come up with a more fairminded penalty.

I think the Los Angeles Clippers should contest the loss of 5, first round draft picks by the NBA, in Court. The loss of 5, first round draft picks contrives two opposing punishment solutions, together. On the one hand, the removal of 5 first round draft picks mitigates the 30 million dollar penalty, since 5 less first round draft picks lowers the Clippers financial obligation towards new draft picks, making the financial penalty a redundantly silly financial penalty.

On the the other hand, forcefully removing 5, first round draft picks weakens the team competitively for an extended period of time, which goes against the entire spirit of Professional Sportsmanship, and Clippers fans.

THE PENALTY HAS TO BE REWORKED.

The Clippers could be penalized a total of 100 DRAFT PICK POSITIONS, in which the Clippers first round draft pick position would be demoted down to the 30th position from wherever the position would have been without the penalty, until 100 total draft pick position demotions have been consumed within a 4 to 10 year range, with each year's first round draft pick position demotion number depending on their yearly original draft pick position based on wins and losses, then subtract the number of draft pick positions until the 30th draft pick position is reached. Once 100 draft pick demotions have been reached, the draft pick penalty, along with the 30 million dollar penalty which would remain, would become resolved.

My idea is SUPERIOR in every way to what the NBA meted out. Honestly, I am a genius at simple math solutions, have been my whole life, but when everyone pushes and prods neuro divergent simple math genius types to take all the higher end math classes which they cannot process, Simple Math Divergent Geniuses are overlooked and extremely undervalued.

Has LinkedIn ever listed a job position for a Simple Math Divergent Genius? Of course not. How I came up with this brilliant, Los Angeles Clippers versus the NBA compromise solution is based on my ability to connect dots based on dozens of prior concepts, solutions, innovations, and, my empathy skills.

Consumer Credit Card Home Equity Equivalency Multiplier should exist, but does not.

My Simple Math Detective idea for next year, 2025, is the creation of a true multiplier of Consumer Credit Card Debt so it can be equivalently compared to Consumer Home Equity debt. 

What if one day the correct Consumer Credit Card debt multiplier reveals there is more consumer debt, than consumer home equity? 

I personally view more consumer credit card debt than consumer home equity as a major, possibly unfixable economic disaster, yet no one is keeping score as Consumer Credit Card debt keeps rising. 

I have estimated a Consumer Credit Card Debt multiplier of 12. So the 1.2 trillion dollars in Consumer Credit Card is the equivalent of 14.4 Trillion dollars in Home Equity.

As of September, 2024, according to CNBC, there is 32 trillion dollars in Consumer Home Equity. 

 

As long as a Consumer Credit Card Debt multiplier of 12X is accurate, then there is wiggle room between 14.4 Trillion dollars of actual Consumer Credit Card Debt versus 32 Billion of Consumer Home Equity.

But what if the correct multiplier is actually 16X? Suddenly the numbers merge closer, 19.2 trillion actual Consumer Credit Card debt versus 32 Trillion dollars of Home Equity Wealth.

In 2008, home values plummeted by an average of 33%. My hope for 2025 is real Economists assess a true comparative multiplier of Consumer Credit Card Debt to Home Equity, because one thing that is different from 2008, Credit Card Interest rates have increased by 50% or higher while total Consumer Credit Card Debt has also risen by 50%.

Dare I mention Lending Tree estimates there is 1.74 trillion in student loan debt for a total of 3 trillion dollars in Consumer Credit Card and Student Loan Debt. Suddenly the 12X multiplier eclipses the total Home Equity, 36 Trillion to 32 Trillion.

 

With the growing transition to a data economy, we may witness fewer, but better paying jobs, creating an even greater economic divide then has been witness since probably the Great Depression that started in the late 1920's. 

 

Are we inadvertently witnessing a 100 year Economic Cycle and are on the precipice of another great depression 100 years later?

Consumer Credit Card Home Equity Equivalency Multiplier should exist, but does not.

My Simple Math Detective idea for next year, 2025, is the creation of a true multiplier of Consumer Credit Card Debt so it can be compared to Consumer Home Equity Equivalently. 

What if one day the correct Consumer Credit Card debt multiplier reveals there is more consumer debt, than consumer home equity? 

I personally view more consumer credit card debt than consumer home equity as a major, possibly unfixable economic disaster, yet no one is keeping score as Consumer Credit Card debt keeps rising. 

I have estimated a Consumer Credit Card Debt multiplier of 12. So the 1.2 trillion dollars in Consumer Credit Card is the equivalent of 14.4 Trillion dollars in Home Equity.

As of September, 2024, according to CNBC, there is 32 trillion dollars in Consumer Home Equity. 

 

As long as a Consumer Credit Card Debt multiplier of 12X is accurate, then there is wiggle room between 14.4 Trillion dollars of actual Consumer Credit Card Debt versus 32 Billion of Consumer Home Equity.

But what if the correct multiplier is actually 16X? Suddenly the numbers merge closer, 19.2 trillion actual Consumer Credit Card debt versus 32 Trillion dollars of Home Equity Wealth.

In 2008, home values plummeted by an average of 33%. My hope for 2025 is real Economists assess a true comparative multiplier of Consumer Credit Card Debt to Home Equity, because one thing that is different from 2008, Credit Card Interest rates have increased by 50% or higher while total Consumer Credit Card Debt has also risen by 50%.

Dare I mention Lending Tree estimates there is 1.74 trillion in student loan debt for a total of 3 trillion dollars in Consumer Credit Card and Student Loan Debt. Suddenly the 12X multiplier eclipses the total Home Equity, 36 Trillion to 32 Trillion.

 

With the growing transition to a data economy, we may witness fewer, but better paying jobs, creating an even greater economic divide then has been witness since probably the Great Depression that started in the late 1920's. 

 

Are we inadvertently witnessing a 100 year Economic Cycle and are on the precipice of another great depression 100 years later?

Simple Math proves inflation is not cooling as of April 13, 2023. Simple Math proves the FED is stealing wealth from American Citizens with their high interest rates.

N.Y. Times April 13, 2023 analysis regarding the state of inflation.

This Times chart reveals that gasoline prices have dropped 17%. 

Remove Gasoline from the contributing list of inflation factors and Inflation increases from 5% to 5.5%.

Another Times Chart reveals...

that the simultaneous shutting down of the economy because of COVID restrictions followed by Biden whispering into the camera, "I got you 1.9 trillion" apparently created such an alarm from the FED they acted soon after.

But, as the Times Article states, "There is a risk that the FED does too little and inflation persists...or, there is the risk the FED goes too far and does unnecessary damage to the economy, aka, THE PEOPLE.

How does ratcheting up credit card interest rates help those who already have debt, fight inflation? How does forcing Americans to buy less while their overall debt increases, fight inflation? Since when is inflation fought by increasing debt among Americans?

The FED needs to reevaluate how their actions are adversely affecting Americans with credit card debt and Seniors who were planning on using a Reverse Mortgage to supplement their monthly income.

If Credit Card Companies raise their interest rates to discourage too much borrowing, then Credit Card companies MUST ALSO reduce credit card interest rates on existing credit card debt so mutually beneficial agendas are achieved. Existing consumer credit card debt requires a significant interest rate reductions as future purchases are reduced by increasing interest rate charges on new purchases.

Many Americans with Credit Card Debt are being punished by an incomplete Credit Card policy. Seniors who were hoping to use a Reverse Mortgage to get by, in essence rewarding themselves for being responsible and building up their home equity, are now discovering their low interest mortgage (courtesy of Donald Trump era policies) MUST BE PAID OFF and REPLACED with a higher interest rate Reverse Mortgage. Reverse Mortgage Loan expenses into the thousands that have compounded  interest assigned to them, plus mortgage insurance, result in a huge reduction in Reverse Mortgage benefits.

Reverse Mortgage benefits have been severely compromised because the FED has raised interest rates several percentage points. Retirees could easily be losing an extra thousand dollars a month in compounding interest rate charges, or, find they can only tap half the amount they could have tapped just a scant year ago!

Banks have been blindsided by the FED's rapid increase in interest rates. Banks that less than a year go were paying 1% percent interest or less on savings accounts, are now offering 4% or higher. 

Government based entitlements are drying up as COVID restrictions are ending and the annual U.S. military budget spikes.

The American people are being spurned and deceived by the FED's interest rate hikes that lack the accompanying humanity that needs to be a part of any "corrective" economic action the FED has already initiated.

How YouTube spent 30 billion dollars and couldn't even give scraps to their most loyal base.

 Youtube's model for paying out to their video creation base is no different than the Occupy Movement's complaint about the 1% owning 99% of everything.

Youtube paid out 30 bllion dollars over the past 3 years. How much of that 30 trillion trickled down to their most loyal base? Probably zero. 

Even video creation made by the people for the people become victimized by the same old tried and true account gimmicks, reward the most watched by taking viewing opportunities from the lowly video maker and heaping it on the most watched videos. Algorithms are not intuitive enough to not create self-fulfilling prophecies because they are created by people who know numbers better than sentiment.

There are things Youtube could do to instantly make things fairer, but I won't give them out for free, not when Youtube has 30 billion to throw at the feet of the 1% while providing zero for the rest. Sure, housing and storing the videos and giving people free accounts is a gift but it becomes a gift of the maji if the videos never get seen.

Juan Soto Declines 440 million dollar contract extension offer for 15 years, a Simple Math solution exists.

Washington Nationals offered Juan Soto 440 million dollars for 15 years, the offer was rejected so Washington is going to trade Juan Soto for a slew of quality prospects, a slew being 5 or 6 quality prospects.

 MLB discusses the Juan Soto situation here.

A few months ago I explained how to resolve the Jose Ramirez Contract talks with the Cleveland Guardians. My idea was used almost identically, ironically my idea should have been used identically since it would have back ended Jose Ramirez's final two years at a lower amount so the front of the contract could be across the board front loaded while while Jose is in his prime. 

In a second article after the contract extension was announced, I explained where the final agreement fell slightly short of what it could and should have been. Jose Ramirez's graciousness allowed the deal to go through without the final little touch I would have insisted upon. I still hope the Dolan's realize the error of their ways and push the final two arbitration years to the back of the contract as I had suggested.

As for the Juan Sotoa contract situation, Simple Math Detective has a simple question, how many years is Washington willing to offer 450 million? (the 440 was an obvious ploy to agree to level it off at 450 in exchange for a deal.)

Why does the Washington offer have to be for 15 years? What if the Nationals offer 450 million for 12 years? Suddenly that is 36.29 million per year instead of 30 million.

Soto is 2.4 years away from free agency, so being confined to the arbitration rules until then might mean Soto gets significantly less than the Nationals per year offer over these next 30 arbitration months. By signing now, Soto may gain an additional 20 million without having to push for any more than the 450 million. This would work out to 37.9 million per year if the Nationals agree to start Soto's new deal immediately.

Ironically, if Soto were to sign a 12.4 year deal now, he would only be around 35 years old when his deal expires, meaning he still could be in the market for another 3 year deal and assuming the earth and its people hold it together, that deal could be for 100 million.

The end result is 570 million dollars through age 38 whether Soto re-signs with the Nationals for 3 additional years or goes somewhere else. A second contract for 100 million, 450 million for the original contract, plus the 20 million additional million dollars by signing a new contract now rather than in 2. 4 years puts Soto at 570 million total, also known as 38 million a year for the next 15 years, well above the 29.5 million the Nationals have offered. 

It's all about Simple Math and this strategy could produce the result both sides want.

3 hours 50 minutes before LA Mayor Polls close, are the LA Times polling prediction results more mysterious than anyone realizes?

A Sunday, June 5, 2022 LA Times Mayoral Poll claims Karen Bass at 38%, Rick Caruso at 32%, Kevin De Leon at 6% and 15% undecided, There are nine total candidates for LA Mayor so the other six candidates apparently will share the remaining 9% of the vote.

If the Undecided decide not to vote, then suddenly the polling numbers have to be adjusted. The new result could be Bass 46%, Caruso 39%, Kevin Deleon 7%, rest of the field 8%.

Even Deleon could be a wildcard in this scenario in terms of what percentage he gets. It could be he gets more of the undecided vote who do not want either main candidate and ends up at 9%

That could make the final result Bass 46%, Caruso 39%, Deleon 9%, rest of the field 6%.

If it turns out the LA Times poll was inaccurate and Caruso actually had the lead, let's say it would have been Caruso 40%, Bass 37%, Deleon 8%, Undecided 15%, what happens if the Undecided don't vote?

Caruso might have 44%, Bass 40%, DeLeon 10%, rest of the field 6%.

In all scenarios it appears that Mr. DeLeon will be the reason there probably will be a run-off in October. However, if the Undecided truly do not vote, both major candidates do have an outside shot of reaching the 50% plus one majority that would mean no run off election this fall.

The LA Mayor Polls could be precariously wrong because polls do not extrapolate the total results of those who have no chance to win but will still make a dent with their numbers, along with the undecided voters.

I think we have a 50/50 chance that the winning candidate may eclipse 50%, something no one is predicting.  

Not sure how important Karen Bass is to the Democrat National Party, but it sure is suspicious to me for so many Federal Employees to have descended on LA literally days before the Primary Election for the Summit of the Americas that will run all week that is being hosted by both Kamala Harris and Joe Biden.

Who interferes with a local election literally on Election Day and the day before? Whose idea was that?

Originally I would have been willing to say that maybe Mr. Caruso gets over the 50% in the primaries, but with the infiltration of so many government based security personnel for Summit of the Americas.  I am starting to think maybe Karen Bass is going to reach 50% to the surprise of everyone. 

(Update: June 07 2022, 5:39:pm) Maybe Venezuela and Cuba were not invited knowing Mexico would not show up and thus any nefarious activity would be less likely to be noticed by other countries. Just throwing out a conspiracy theory based on the timing and circumstance of the Summit of the Americas. (End of June 07, 2022, 5:39pm update).