Compose a profile on internet
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Posted:May 17, 2014 11:51 pm
Last Updated:Mar 23, 2015 5:44 pm 75386 Views
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I have been on internet dating sites for 9 and 1/2 years and read many thousands of guy's profiles. The most of words I read are caring, easy going, fun loving, down-to-earth, outgoing, good sense of humor, glass half full, successful, handsome (subjectively? or narcissist?), like to take long walk on the beach or snuggle in front of fireplace,..... some said he puts God in 1st place, his family, in 2nd and then himself (that makes me wonder what I will be? 4th place? or behind his pet?) From the beginning to the end, I didn't hear what is his job, job title, profession, career, .... As far as photos, if they posted less clothes on that will turn me off. I prefer to see guys wear suit or fashionable casual wear. If a profile without a photo, I just skip it to next profile. Some people posted more pet pictures than his photo. I wonder if he knows this profile is about "him" NOT about "his pet"? BTW, many guys like to show-off that they caught big fish, they posted photos with the giant fish they caught which is Okay to me.
Online dating profiles are supposed to introduce "you" to the public in order to find your companion, counterpart, confidante, soul mate, friends, or pen-pal,.... from the vast of singles. The competition is very keen. You have to write a profile that can convince people to trust you and respond to you, if he/she shall be interested in you.
There are no right or wrong how you write your profile, but I just want to bring up this topic for you to discuss.
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10
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An exceptional
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Posted:Apr 1, 2014 12:14 am
Last Updated:Mar 27, 2024 1:45 pm 74871 Views
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My has very outstanding academic achievements since her childhood. She has been always on the top #1 of the class, the whole grade in her schools, on many subjects, i.e. spelling bee, mathematics, ..... etc. She skipped a grade in elementary school. She got perfect scores of 1600 on both SAT I & II during high school. She received formal letters from U.S. President, George W. Bush and Secretary of Dept. of Education in 2005 to congratulate her and gave her U.S. Presidential scholarship and U.S. Merit scholarship. She also got all UC (University of California) full scholarship (free tuition). I only paid her dormitory and rent during those years for her double majors in Psychology and Neurobiology degrees from UCI (Univ. of Calif. Irvine). She is attending Wayne State University, School of Medicine in Detroit, MI where is in a very cold winter (polar vortex) this year. I am very proud of her.
She has saved me a lot of money for her tuition. Do you know the tuition for medical school cost $70,000 a year? The medical school started in August 2013 and she got scholarship, so she doesn't need to borrow "student loan" from Dept. of Education for her tuition. I paid apartment for her lodging and gave her allowance monthly for her food, groceries, and gasoline. She applied "student loan" and prepared to pay back when she become a MD, but to our surprise Wayne State Univ. granted her scholarship, so she doesn't need to use "student loan". When she emailed me that she got scholarship and student loan balance is zero, interest paid is zero, I was surprised. I am lucky to have an exceptional .
Incidentally, my donated her blood to Red Cross regularly and donated her hair to Cancer society.
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Community Property Law
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Posted:Nov 8, 2013 11:05 pm
Last Updated:Mar 27, 2024 11:56 am 75616 Views
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If you have NEVER been married, you can skip my blog or just consider as a reference.
If you are divorced, this blog might help you. We all know "Community Property Law is to punish the hardworking provider and reward half to the lazy spouse" - said by a ER MD who lost 4 million dollars over a divorce to his beautiful nurse ex-wife. Breadwinner has to give away 1/2 to his or her ex-spouse. It doesn't matter the "breadwinner" is a man or woman.
I have a neighbor who is a Taiwanese-American woman 2nd marriage to a Jewish-American man (2nd marriage too). This Jewish guy is 12 years older than my Taiwanese friend. Before their marriage, they already lived together more than 7 years. They have been together more than 15 years. The Jewish guy suggested (before they bought a house and lived together) they went to a law office to sign a paper that is similar to "Pre-Nuptial agreement". Each person can keep his/ her accounts, but they have a join account. Each person needs to put in same amount of money into this join account, then all of their expenses including down-payment, mortgage payment, property tax, insurance, utility bills, food, travel, cleaning lady, gardener, ... all pay from the join account. However, personal clothing, hair cut, ... are paid by individual account.
If they are separated in the future, each person can get 1/2 from the account and the house sold each gets 1/2. If one dies, the survival gets entire account and house. They got married on 12/31/2010. The Jewish guy changed his "Will" and give his wife all his properties instead of his sister. My Taiwanese friend has "Will" but the beneficiary is her only from previous marriage. The Jewish doesn't mind she did this way because he has no .
I saw they are very happy together. They travel the world, eat out all the time, .... He takes care of her and she takes care of him. He is 77 and she is 65. The Jewish guy got "skin cancer" (melanoma) and hypertension, she took him to hospital and MD appointment. Other than that, he is still healthy and driving.
I think "Pre-Nuptial agreement" is fair and square. I am still a giver. However, I have learned my lesson well, so I am only willing to pay up to 50% of expenses, but NOT 100% any more.
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Real Estate Investment Tips
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Posted:Nov 6, 2013 11:25 am
Last Updated:Jan 19, 2014 4:03 pm 75051 Views
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First of all, I am NOT a real estate agent. I am a retired pharmacist. I won't make any commission from you.
All the "Investment" is about "demand" and "supply". When demand is higher than supply, the prices go higher. When supply is higher than demand, the prices will go down. So, "Timing" is everything. The same house can be different price in different time.
We all remember that horrible day 9/11/2001 changed our country. We have been attacked in our home land using our airplanes to kill our 3,000 people. No, I am NOT going to tell you about retaliation. I am trying to tell you about Real Estate market.
It was a tremendous impact for all of us. Our Chairman of FOMC, Mr. Greespan at the time, lowered the interest rates several times in order to stimulate our economy. I remember in July 2003 the interest rate for 15 year term was 4.75%. People started to refinance their mortgage loans. Our government allowed people to borrow "Easy Qualified Loan" for new purchase mortgage. No credit check, no employment verification, borrow 120% equity loan, .... The real estate market went sky high in 2006 - 2007. I saw my condo went up 4.5 times (it is a true story), so I sold that condo for profits in June 2007. When the demand surplus over supply. I was NOT greedy, I sold that condo. When the escrow closed, my real estate agent asked me where I will buy properties after I took so much profits? I said "no, I think the properties are overvalued, too expensive. That's the reason I sold my property. I don't want to buy properties at the same time". My agent felt I was wrong putting money in the banks rather than reinvest.
We all know our financial started to meltdown in 2008 - financial crisis. Many banks bankrupted when people couldn't pay their mortgage loan payment on time and been foreclosed. Indy Mac bank, Lemon Brother, Merrill Lynch, Washington Mutual, .... all disappeared. You could see many signs on the streets "foreclosure house, for sale". That was when Supply more than Demand.
I bought a foreclosure condo from bank in a better area with a saving of $180,000 than previous owner in December of 2008. Please let me remind you to buy property in winter, and sell property in summer. Because people heading to shopping mall for gifts, clothing and food for holidays. Nobody purchase house, so sellers are more motivate to sell lower price when real estate are very slow. Every consumer enjoy the holiday season. In summer, students graduated from colleges and moved out or married or changed jobs or changed school district, that when real estate market is very active. In other words, you should sell properties rather than buying. You should be a contrarian. Buy in winter, sell in summer. Do the opposite with most consumers.
The real estate foreclosure continues. I bought 5 more foreclosure properties in the winter of 2011 in Las Vegas. I fixed them and rented them out for rental income. I retired from my pharmacist job in July 2009, so the rental income just came in time. I keep the properties if the tenants stay. If the tenants moved out, then I sold the properties. Because the owners are from out of Nevada investors who don't live in Las Vegas. Such as I live in Calif NOT Nevada, but the properties are lower price than Calif. So, the owners need to look for tenants, when every out-of-state owner compete with rental prices for their investments, they lowered the rental prices. (a little rental is better than no rental income). I sold 2 properties in April of 2013 (this year) for profits just to make myself more cash reserve. I still have 3 properties in Las Vegas and 3 houses in Calif.
The reasons I bought many properties instead of just one because (1) to reduce vacancy rate, (2) the tenants don't rent high-class area, more rental income with many units (3) the tenants live in average price area, when real estate market come back, they can effort to buy those 2nd class area. In Las Vegas, you buy condo complex or single family house, there are rarely have apartment. Always pencil out your ROI (Return on Investment) percentages.
I used myself as an example to give you some real estate investment tips. I hope I helped you in some ways. I revealed my privacy to help you in real estate investments. I am NOT bragging my fortune. Please understand me.
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What happens on Oct. 17 if Congress doesn’t lift the debt ceiling?
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Posted:Oct 15, 2013 7:57 pm
Last Updated:Mar 27, 2024 1:53 pm 77058 Views
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The clock is clicking toward the Oct. 17 deadline at which point the Treasury Department says the debt ceiling will be reached.
Q: Will that mean the U.S. has defaulted?
A: No, with a few asterisks attached. The Treasury won’t be able to borrow any longer. However, the U.S. Treasury will still have some money — probably on the order of $20 billion to $30 billion. So the government will still have money to pay incoming bills.
That is, of course, if investors continue to roll over their debt and don’t panic and cash out. The U.S. Treasury will roll over at least $302 billion in outstanding federal debt between October 15 and October 31, the Bipartisan Policy Center estimates.
There are two different definitions on default, to make matters more confusing. The White House, as articulated in recent testimony by Treasury Secretary Jack Lew, is of the view that any non-payment of an obligation — whether that’s interest on a Treasury bill or a Social Security payment — is default. Many Republicans argue that only non-payment on debt constitutes default.
Another point, made here in a nice column by Felix Salmon of Reuters, is that the U.S. already has defaulted — by not paying government workers the money they’re contractually agreed to pay. But that’s not a widely shared interpretation.
Q: How long will that cash last?
A: Again, it’s impossible to pin down. Much depends on how the economy performs, and whether those individual and business withholding taxes are still coming in at a normal rate.
Attention is being put on Oct. 31, when the U.S. needs $6 billion to make a coupon payment. Some financial analysts think the U.S. may be able to make that payment even without the debt ceiling increased. Much depends on whether the broader economy comes to a standstill or not.
The Bipartisan Policy Center says by Nov. 1, that’s it — the Treasury is broke and will default on something. The next interest payment after Oct. 31 is Nov. 15, when the Treasury will have to pay $29 billion.
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14
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Imagine there is no heaven - John Lennon's song
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Posted:Oct 7, 2013 1:33 am
Last Updated:Jun 15, 2014 9:57 pm 79395 Views
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Imagine there's no heaven
It's easy if you try
No hell below us
Above us only sky
Imagine all the people
Living for today...
Imagine there's no countries
It isn't hard to do
Nothing to kill or die for
And no religion too
Imagine all the people
Living life in peace...
You may say I'm a dreamer
But I'm not the only one
I hope someday you'll join us
And the world will be as one
Imagine no possessions
I wonder if you can
No need for greed or hunger
A brotherhood of man
Imagine all the people
Sharing all the world...
Yes, I am 100% agree with John Lennon of Beatles. I love this song too. So, now you know I am NOT the only person who believe there is no heaven or hell. This song says all.
Big Smile. We only have one life to live. Please make fullest of your life. I have NEVER harm a person. It doesn't matter to me where I will go when I die. It doesn't matter if you laugh at me or disagree with me. It doesn't matter because I know I am right and John Lennon believed what I believe. I am NOT here to offend anyone but please understand me.
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10
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Chemical weapons in Syria
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Posted:Aug 30, 2013 11:52 pm
Last Updated:Mar 27, 2024 2:54 pm 99318 Views
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As you may noticed that the most current event is chemical weapon killed at least 1,429 people including 426 in Syria. It is an inconceivable horror that the region killed its own civilians. Our primary ally, British, has voted to reject attack Syria. It sounds to me that USA will go it alone to attack Syria. President Obama said “no boots on the ground approach”, that means no troops, no soldiers will be in Syria. I think he will use “smart bomb”, “missiles” and “drone” to surgically attack the precise military sites or buildings to dramatically reduce the casualties of our soldiers.
U.S.A. has been a “world policemen” for many years. WWII, Korea war, Vietnam war, Iraq war (twice, father and of Bush), Afghanistan, and now Syria. To engage in a war will spend lots of money and sacrifice many lives and the results have been blamed by domestic and international people.
I like to travel, but NEVER been to any “Mid-East” region because I don’t understand their religion, tradition, culture, thoughts. They force their women to wear "burkas", or cover from neck down. They stone women to dead, or put women in jail when the women have been . Women can’t drive cars or have education. I would like to help “Mid-East” women but I know I shouldn’t involve. This kind of “barbarism” is simply incompatible. I won’t step-in those regions even Egypt and Israel because I don’t want to put myself in jeopardy. A girl in Pakistan, Milala Yousafzai, had been shot on her head in close range because she advocated that “girls have right to be educated”, luckily she survived.
I once dated a guy who is a Muslim (I didn’t know until I met him), I can’t even lunch with him because he doesn’t eat pork and Chinese eat pork. He listened to Arabic music which I don’t understand. So, after a coffee, I said “Good-bye” and NEVER see him. Isn't this world simpler, if there is no God? Muslim men can have four wives but women can only have one husband. How can you change “Mid-East” region by a war? They have their own minds, thoughts, religion, cultures, languages that we don’t understand them, they don’t understand us.
To have a war or not to have a war in Syria will be a dilemma for Obama.
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Watch out for scammers
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Posted:Apr 13, 2013 10:06 pm
Last Updated:May 17, 2014 12:07 pm 94009 Views
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Scammers will
1. Ask you to talk or chat using an outside messaging service or email account
2. Vanish mysteriously from the site, often after being caught and removed
3. Talk about "destiny" or "fate" when meeting you
4. Claim to be recently widowed
5. Ask for your address or contact info under the guise of sending flowers or gifts
6. Make a lot of grammatical and spelling errors
7. Say they live in the U.S. but are currently traveling abroad
8. Always eventually ask you for money
You should
1. Block them from contact
2. Report them to Asia Friend Finder.
I have received many emails that provided their personal email addresses to chat outside. Please pass me by. I am here to bust the scammers. If your age is NOT in the range I prefer or distance is beyond 65 miles. Please don't waste your effort and my time. I know every trick in the book. I have provided my first name in my profile, but if you didn't see it, then your chance to talk to me is very minimum.
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16
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Assault Weapons Ban Bill
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Posted:Dec 16, 2012 4:17 pm
Last Updated:Mar 27, 2024 2:19 pm 92871 Views
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How many innocent people have to die before our government ban the assault weapons? It is heart-wrenching to hear those massacre from news again and again. Do we need semi-automatic guns to hunt deers? Enough already, please make legislation to ban sell, purchase, transfer, possess, ..... of any assault weapons.
Can we have peace on earth?
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7
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A very touching photo
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Posted:Nov 29, 2012 10:09 am
Last Updated:Sep 3, 2015 9:01 pm 97819 Views
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A photo of a New York City police officer kneeling down to give a barefoot homeless man in Times Square a pair of boots on a cold November night is melting even the iciest New Yorkers' hearts online.
On Nov. 14, NYPD officer Lawrence DePrimo, who was on counterterrorism duty in Times Square, saw the older homeless man without shoes sitting on 42nd Street. DePrimo, 25, left and then returned with a pair of $100 boots he bought at a nearby Skechers store.
"It was freezing out, and you could see the blisters on the man's feet," DePrimo, a three-year veteran of the department who lives with his parents on Long Island, told the New York Times. "I had two pairs of socks, and I was still cold."
The random act of kindness was captured by Jennifer Foster, a tourist from Florence, Ariz., who was visiting the city. Foster, communications director for the Pinal County Sheriff's Office in Arizona, emailed the photo to the NYPD with a note commending DePrimo.
"The officer said, 'I have these size 12 boots for you, they are all-weather. Let's put them on and take care of you,'" Foster wrote. "The officer squatted down on the ground and proceeded to put socks and the new boots on this man.
"I have been in law enforcement for 17 years," she continued. "I was never so impressed in my life. ... It is important, I think, for all of us to remember the real reason we are in this line of work. The reminder this officer gave to our profession in his presentation of human kindness has not been lost."
Foster's photo was posted on the NYPD's Facebook page on Tuesday, where it received more than 320,000 "likes," 77,000 "shares" and 20,000 comments—most of them praising DePrimo, who seems to have restored Facebook's faith in humanity.
"This is one hell of a police officer," Desiree Wright-Borden wrote.
"Wow," Jack Horton wrote. "It's nice to know there are still good people out there."
"Angels truly do walk on earth!!!" Charlene Hoffman-Pestell wrote.
Some commenters, though, were skeptical, saying the photo could have been staged.
"Clever stunt!" Louis Zehmke wrote. "The hobo is 'parked' at the entrance of a shoe shop."
But Foster claims DePrimo had no idea he was being photographed: "The officer expected NOTHING in return and did not know I was watching."
My comment:
Help the people in need is more important than donate tithing to church, temple, mosque, synagogue, ....... to worship their God.
This NYC police gave the homeless man a pair of boots is more than Romney donated million dollars for his religion. The police even don't claim for deduction from his income tax return (Schedule A)
God doesn't need MONEY, human do. I went to Salt Lake City in Utah and visited Mormon Temple Square three times. The tour guide showed us that he dropped a stick but the people in the back can hear it because the copper pillars in the front.
Why people need to build beautiful and expensive church, temple, mosque, synagogue, .... for God? If God is so mighty, he can hear our prayer everywhere, including at bedside.
I don't have any objection to claim income tax for , but helping people in need is much more meaningful. That's my point.
This NYC policeman helped the person in need is a touching story.
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