Fast Depriceation of some "Things"
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Posted:Jun 22, 2014 6:58 am
Last Updated:Jun 26, 2014 6:13 am 22711 Views
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It's astounding how fast and how much some cars loose value. Some top models, seem to loose between 15k or more a year,
Some of the vehicles people paid 80K maybe 6-8-10 yrs ago, can be bought for under 10k.
I guess this is what it take to keep the market moving for the wealthy. they have the cash to burn.
Even for the average person, I wonder how many truly factor the cost of a vehicle by the year. Add up depreciation, payment cost, fuel and maintenance - It then looks very different than just basing it on the monthly payment amount.
They have many formula, to insure that vehicles do not retain the value, especially for those types, that people who "must keep up with the Jones" type of mindset.
The very wealthy will probably ridicule each other, if one or the other has a car over 5 or more years old, and the up and coming seem to require the new car and the housing upgrades which meet with the 'status of the community standards they pursue".
It's rather interesting, One either likes their car, or they don't... what ever is the reasoning become influenced by many things. A times change, companies come and go, and people who were once secure in their jobs find changes in the over speculated, over leveraged and over expanded companies continue to force companies into liquidation and sell off. So many find themselves suddenly with career changes they did not foresee nor plan for.,
there are many many people who earn up to 500k a year, still living only 6 months from bankruptcy. Nothing at the current time would bring many of those to think in terms of downsizing their outflow of cash burn.
We sometimes wonder at what point does youth change. for some maybe it does not. As we'd all like to be young forever, but reality is just not going to grant that like unto us.
I've finally got my house where it an be covered by pension income in case anything goes awry. it took me making many many mistakes. One is: I should have paid 'cash" for the house when I bought it, and another I should have come here and looked before I bought it. I bought it without ever seeking it, because I was In California at the time and could not get away to come and scan the market. I did find out that other nice communities I probably could have saved 30-40K and maybe even acquired a larger lot. but, I'm close to hospital, shopping, freeway access and other amenities. I have noticed a change in the demographic in the past year, which is fine, as long as everyone maintains their home, I won't worry so much about that.
As it seems unless one is in an Executive Community, most other working class of professional and semi professional people will change when it has such a mix. However, there are some communities which has very nice Executive homes, years ago, seem to have become downgraded as people who can't truly afford them moved into these homes, This scenario became a disaster when people moved into many Craftsman Era Home, maybe the parents had good jobs, they may have retired or died and some their could not maintain the upkeep. and 1000's upon 1000's of thee home simply fell into mass despair. Yet, on the other side of a Major street, the people who are professional and semi professional moved into those Craftsman era homes and they have maintained them and converted their community to an upscale community where the home prices keep out people who can't afford to maintain the homes.
The one area with the Executive homes I mentioned above, the Neighborhood Assn. is trying to halt its decline and bring that area back up.
Very poor whites, very poor minorities are unable to afford what it takes to keep homes up, therefore it is logical that people want to move up to a nice community, but if one can't afford the upkeep, they will ultimately bring down the community. Yes, this include all (poor) minorities, from black, Asian, Latin and other and certainly too, all poor whites, I advocate heavily for Vocational and Technical Training because in many cases that it the pathway upwards for many of the of these groups. They are not going to commit to 20-30-40k a year for university expenses, but if they get a vocation or trade, they may insure their can go to University or they may go themselves once they are stable.
It's sad to see communities fail. It even more sad when the system of politicians and the so called educated can't see beyond themselves, and what results is squalor surrounding their community like compounds. They find themselves confined within their 10 block radius, the same as the poor find themselves confined in their 10 block radius.
People making babies without thought of having the time or resource to raise that , then there are those who think getting every marquee thing for their is the answer, and when parents can no longer afford to buy these things, their may be more prone to seek means to get these things by devious means.
so many raise their to want the expense stuff right away, and we see young people who barely have their foot in the door of employment, go out and buy vehicles that range from 45-80K... they suddenly want to move into the house which strains their income, which results to lack of resources for upkeep and maintenance, so the car and the home both decline at the same rapid rate. What comes next, is DIVORCE, because they can't sustain the delusion they pursued.
They don't have the sensibilities to earn and work their way to having a higher standards, instead they want it "right now".
So.... It's astounding how fast and how much some cars loose value. Some top models, seem to loose between 15k or more a year,
Some of the vehicles people paid 80K maybe 6-8-10 yrs ago, can be bought for under 10k. as goes the car so goes the community along with it, because so much is tied together in the name of the status game.
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What happens next
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Posted:Jun 19, 2014 5:04 am
Last Updated:Jun 20, 2014 8:37 pm 22310 Views
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Something has to force the people in the US to wake up on many things.
From Health Care to Fixing the Roads to Supporting Vocational and Technical Training programs.
Maybe the next generation of will wake up from the Degree delusion and actually take up programs where they learn a skill.
Degree's are fine if they are in a 'SPECIFIC" field, that one actually plans and follow thorough with devoting themselves.
But many of the Graduates from the past 30 yrs have worthless degree.
The woman who is the head of youtube, said she graduated and did not know what to do, and found out her degree was not worth much. She enrolled in a Technical program and got a certificate, and by the skills she learned there, she networked her way up. They probably acknowledged the degree, but the degree had nothing to do with the skill that actually go her working in the field of technology.
Read the story... it might save some families 10's of thousands of dollars, chasing the degree delusions. Realize there are only so many sit down push paper and make decision jobs, and everybody is not going to get one of them.
But with a skill, you can create and certainly you can find work which you actually do something and contribute to create something.
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Men, Women and Life
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Posted:Jun 14, 2014 6:51 am
Last Updated:Jul 12, 2014 3:28 pm 23867 Views
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There is a great deal of talk about many aspects of romance, pursuits of love and the seeking of mates.
How much do people truly look at the big picture. No one here is getting any younger, that is a fact.
I watched couples in many places over a long span of time. the Romance of the Dating Cycle is one things, but life always settles into being simple " Living"..
The sharing finds it methods based on the two individuals, first and foremost, as ADULTS, everyone comes to a relationship with a whole mass of reality behind them. that does not vanish because of the fantasy like phase of the 'dating cycle"..
It still comes back to the fact that people work, people have goals and they have ideals they purse and some chase their ideals with reckless abandon.
Relations don't just break up, its TWO people who break them. Not ONE, but TWO people. when people interject their person agenda and it does not flex and merge with the other, and the other interjects their personal agenda and it does not flex and merge with the other. That is the reality that exist.
Some people, are able to keep their relationships going, by insuring they interject kindness and considerations for and with each other.
Some become squabbles because they have a clash of values, they have a clash of wants, and they have a clash of ideals and goals.
But If you note long term mates, and think in terms of your age and reality.
as couples get older, as with life, the bodies changes, the minds change, people get sick, people may loose money and people many face family or other things which take up focus in the relationship.
ARE YOU PREPARED TO DEAL WITH THAT REALITY,
I see couples each other to the doctors office, I see people attending to the care of one or the other, and I see people adjusting to the changes that health may bring in their relationships.
How will you deal with these things is an unknown, but what is important is that you know, various things will come to exist, Because no one is perfect and no one is made of iron, and the human being is and will always be a fragile entity in this world.
For women, what will you do if you get breast cancer, and for the man what will you do if the woman gets breast cancer? For Men, what will you do if you chased a woman because you were infatuated with her breast, and she got breast cancer? Can you handle that. can you consider these realities.
What will you do if the woman gets ovarian cancer, or has some situation where sex activity is changed due to some medical realism. What of men, what happen as age comes the the prostrate enlarges, or there is other problems with the prostrate, bladder or some body organ within the spectrum.
These are just some aspect of life, but in reality, accident happen all the time, We have never a day to go by that Car Accidents don't happen.. And no one is immune to the potential. It does not have to be your fault, it can be the fault of a drunk driver or such, maybe the car malfunctioned.. And consequence resulted that damaged the individual.
As I've been dealing with the medical things over the past year, I see many couples at the doctors, it shows there are many people with many issue, but what I do see is a lot of 'couples who come together to many appointments', and it shows they have built relationships which evidentally go far beyond material things, money and the thrill chasing of being a jet setter. This is composed both of young couples and older couples. Its a broad reality, some come because they have sick , some come because in their extended families, someone is sick or hurt. Think!!!! when you choose a relation or pursue it, get over yourself, and get real. It is not about your fancy of the moment, life is filled with many many many things, and most are not prepared for any of it, because their vanity aims seem to dominate so much, they can't even choose for trying to wait on some delusion of a perfect fantasy. You won't get it, this is life, and life is unpredictable, and the nature of building a relationship is about "building" based on how you deal with the block that you have and those that come into being.... You are not longer a bright eyed , you are 'ADULTS"... and if you deny it or try and deny it, life will continue to bring your reality that will make you own up to being an Adult. Or you will simply crash.
So when people talk all this stuff about Love and Marriage and seem desperate to Marry... What do they fully consider in the big picture of it all. Is it just their erogenous fancy driving them, is it the thought of financial security, is it the thought of someone helping cover the living cost, or someone paying the living cost?
It might matter a great deal if people slow it down and get real, because one thing is for sure, you can live in a fantasy frame all you want, but that won't stop reality from being reality.
What if you chase someone for money, and suddenly they get canned, and the job goes out of business, Then what? What is you chase someone because of their job title, and that fades away, 'then what' ?
Life is interesting, it forces reality, because it is about reality.
Once people reach the age of 40, life has entered a "Prone Zone", when many things become more prone to be with a higher risk potential as it relates to health and over all well being.
Most people on this site are long past their late teens and 20's, and many are deeply into their 30's and certainly within their 40's and beyond. Therefore, why continue to purse and make aims like teenagers?
You know you have to work, or if you don't you have some nature of responsibilities, you also know the person you have interest in has responsibilities. So, why are so many profiles and commentary structured as if people are "carefree teenagers". At this stage people should have come to learn they need to think in MATURED TERMS when they start talking about relationships, and those talking INSTANT MARRIAGE, maybe should review and come to some real terms as to why their previous marriage dissolved.
Then approach it as an Adult, not like some fancy filled teenages, or someone trying to play, "lure with sex games" , or "trying to use money or material things to attract another"... because at this stage and age, one should know. Material things get old, they need maintenance and maintenance consumes resources. If you are a fashion hog or got to have the latest, you already know, next 6 months, next year or 5 yrs from now, those things will be outdated. all of which consumes money to replace.
We see people with homes that have all kind of thing, and people get bored and then want to move to some other place. Again, that become another expense drain. These are realities, what are you willing to contribute to sustaining what ever it is that attracts you? or what are you willing to contribute to what ever you are currently using to attract others?
No one here is a , therefore, people maybe should approach mate selecting as an ADULT, and be an Aware Adult. If you use looks and think that is your strong hold, then how distressed will further aging affect you? Because you won't always have a shapely butt, or a thigh skin face. Not only does hair change colors,it also thins out often in the span of life.
So, what are you really facing in choosing a mate.
It might be highly likely, that you not only learn to respect the person you choose, your work may be to build a friendship and actually learn to share the appreciations of developing a true like for the person you are choosing.
All that "bang the booty" will probably last the first 6 months, and then reality settles in and its frequency will by fact of life change. Are you prepared for that? when that happens, then what?
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The Graduate
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Posted:Jun 10, 2014 5:07 am
Last Updated:Jun 11, 2014 4:32 pm 21040 Views
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Check Out The Angry Letter This Post-Graduate Sent When His School Asked For Money
If you graduated from college you probably get letters from the alumni office periodically asking for contributions to the endowment. For generations this has been a fairly standard way for universities to raise cash. That’s because believe it or not, there was a time when a college degree virtually guaranteed a fairly well paid job. I know it’s hard to believe these days, since most college graduates are now saddled with tens of thousands in debt and forced to take whatever low paying job they can find.
Apparently this alumni office hasn’t gotten the memo about how college grads are faring in today’s economy. When this grad received a fundraising letter, he let them know exactly how he feels about their request for Money, and his response was epic.
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Top 7 deal-breakers for midlife daters
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Posted:Jun 8, 2014 11:35 am
Last Updated:Jun 25, 2014 4:46 pm 20399 Views
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(From Internet)
We’ve all been there — the point when the proverbial red flag appears with your date. You can almost hear the alarms going off in your head. For singles over 50, that sound can pop up pretty quickly. After all, daters in their midlife years know themselves pretty well, and they also know exactly what they will (and will not) tolerate. For some, it’s a minor thing; for others, it’s a general attitude.
Here’s what a sampling of single men and women over 50 flagged as their top seven dating deal-breakers. Read on to find out if you think we missed any…
Deal-breaker #1: Financial woes
Issues with finances are at the top of the list for many daters in their fifties — and with good reason. “For 50-year-olds and up, it’s important at this stage of life to have a handle on one’s finances,” says Terri Jay, a life coach in Reno, NV. “If people haven’t learned lessons about money, investments, paying bills on time, maintaining a good credit rating, etc., they aren’t ever going to get it… and he or she will just be a burden on you if you take that person on as a life partner.”
Deal-breaker #2: Bad table manners
Most daters over 50 expect others to have this aspect of life already figured out by now. “I had a second (and last date) with someone recently who insisted on picking his teeth after eating a sandwich,” says public speaker and consultant Nancy Michaels, co-author of Dating Success After 40. “Clearly, I can’t teach manners to a man in his fifties or beyond if he doesn’t already know how rude this is [to do at the table]. I have three — I’m not looking for a fourth!”
Deal-breaker #3: Incompatible libidos
“Fifty isn’t the same for everyone,” says April Masini, founder of AskApril and author of Date Out of Your League. “While some women are coming into their sexual prime, feeling free from their , money worries and are in good health, many men are naturally facing a slow-down in their libidos.” However, intimacy can also be a problem if you can’t discuss it frankly together — including the necessity of using protection. STDs are on the rise in the boomer community, so don’t forget to be safe even if pregnancy is no longer a concern.
Deal-breaker #4: Dates who insist on playing the “blame game” with their exes
“My biggest dating turn-off: Someone who blames an ex-spouse and hasn’t looked at what he or she needed to learn and how this person needs to grow,” says Toronto resident Elliott Katz, author of Being the Strong Man a Woman Wants: Timeless Wisdom on Being a Man. “Blaming without learning and growing [from that experience] is a big turn-off.” Daters over 50 want to get to know others who’ve made peace with their pasts and are excited about what the future holds. Lots of negative talk about former partners can be another red flag for many: “Speaking harshly and angrily about an ex (or exes) does not bode well,” agrees author and consultant Neil Wood. “That’s history, so let’s talk about the present instead.”
Deal-breaker #5: Poor oral hygiene
It’s tough to get around a bad smile, no matter what age you happen to be. Marc Silbert, co-author of the book Suddenly Solo: A Lifestyle Road Map for the Mature, Widowed Or Divorced Man, says his research revealed that women would prefer a man with a nice set of pearly whites. “We found out that 30% of the women we surveyed — all 55 and older, widowed or divorced — will not go on a second date with a man who has bad teeth,” says Silbert. “That is why we recommend that the first doctor you should see before you start dating someone is your dentist!” This particular deal-breaker goes to a larger point about taking care of one’s appearance in general, says Philadelphia budgeting blogger and consultant Reida Gavenda. “Don’t get me wrong, I’m a very reasonable woman. I don’t need a model; I just want a man who shows me he cares about his appearance,” explains Gavenda.
Deal-breaker #6: Dominating the conversation by constantly talking about yourself
Daters over 50 aren’t looking to attend a one-man (or woman) show. “Do not talk on and on in a monologue style!” warns California author and speaker Joan Price. “Let’s have a dialogue. That means that you talk, then you look interested when I talk. If you’re talking the whole time, I feel like I could be… well, anybody. At the end of the date, what have you learned? I’ve learned that I don’t want to go out with you again!” Bobbi Palmer, a dating and relationship coach for women, agrees: “I met my husband on Match.com when I was 47 and he 56,” she recalls. “One of the biggest dating deal-breakers for people over 50 is sharing certain [types of] personal information too quickly.”
Deal-breaker #7: Deceptive online dating profiles
No one likes a fibber, but it’s particularly galling for the over-50 set when it comes to online dating profiles. “It’s amazing how many people are deceptive with their profiles — either by omission or misstating the facts,” says Sean Clark, 52, a VP of merchandising in Milwaukee, WI. “This leads to my number-one deal-breaker: someone whose profile is not truthful. Why would I ever have a second date with someone who did not like themselves enough to tell the truth?” And according to many other over-50 daters, this peeve includes the irritating practice of posting out-of-date photos.
by: Laura Schaefer
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Iodine Deficiencies
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Posted:Jun 7, 2014 8:26 am
Last Updated:Jun 9, 2014 5:46 pm 19987 Views
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Iodine deficiency is one of the leading causes of preventable mental handicaps worldwide,
What in interesting statement
(Do your own research to learn more about it, but don't just run out and think it is going to fix the worlds mental or learning issues).
Wikipedia ( over view reference information only)
In areas where there is little iodine in the diet, typically remote inland areas and semi-arid equatorial climates where no marine foods are eaten, iodine deficiency gives rise to hypothyroidism, symptoms of which are extreme fatigue, goiter, mental slowing, depression, weight gain, and low basal body temperatures.
Iodine deficiency is the leading cause of preventable mental retardation, a result which occurs primarily when babies or small are rendered hypothyroidic by a lack of the element. The addition of iodine to table salt has largely eliminated this problem in the wealthier nations, but as of March 2006, iodine deficiency remained a serious public health problem in the developing world. Iodine deficiency is also a problem in certain areas of Europe. In Germany it has been estimated to cause a billion dollars in health care costs per year.
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The Message
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Posted:Jun 6, 2014 4:30 am
Last Updated:Jun 8, 2014 5:45 pm 20861 Views
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Father finds heartbreaking note from days after she died of cancer
The father of a 12-year-old girl who lost her battle with cancer last week says he was shocked to find she had left behind a long, handwritten message on the back of a mirror.
When I moved the mirror after she died, I couldn't believe it," the 33-year-old said. "I saw all this writing — it must have been about 3,000 words."
Here are just some of them:
Happiness depends upon ourselves.
Maybe it’s not about the happy ending, maybe it’s about the story.
The purpose of life is a life of purpose.
The difference between ordinary and extraordinary is that little extra. Happiness is a direction, not a destination.
Thank you for existing. Be happy, be free, believe, forever young.
You know my name, not my story.
You have heard what I’ve done, but not what I’ve been through.
Love is like glass, looks so lovely, but it’s easy to shatter.
Love is rare, life is strange, nothing lasts and people change.
Life is only bad if you make it bad.
Remember that life is full of ups and downs, without the downs the ups don’t mean anything.
I’m waiting to fall in love with someone I can open my heart to.
Love is not about who you can see spending your future with, it’s about who you can’t see spending your life without.
Life is a game for everyone, but love is the only prize.
( from web-news)
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What is Wrong ????? ...with people today
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Posted:Jun 1, 2014 7:30 am
Last Updated:Jun 2, 2014 5:04 pm 19746 Views
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BEIJING (Reuters) - The murder of a woman at a fastfood restaurant in China has sparked a national outcry after it was revealed she was beaten to death for allegedly refusing to give her telephone number to members of a banned religious group.
The 37-year-old woman was attacked by a group of people who were described as being members of the Church of Almighty God religious movement, state media reported. The group preached a global apocalypse would take place in 2012 and has been banned by Chinese authorities.
The attack occurred last Wednesday at a McDonald's restaurant in northeastern Shandong province and was captured on surveillance video, the official Xinhua News Agency said in a commentary. Video footage of the attack was shown on China Central Television on Saturday.
Six alleged group members, including four from one family, have been arrested over the attack, state media reported.
"The audacity of the cult members to terrorize their victim at a McDonald's, a chain frequented by average Chinese, further racked people's nerves," Xinhua said.
Apart from shock and anger, many social media users condemned onlookers, who failed to stop the assault in coastal Zhaoyuan city, about 160 km north of Qingdao.
"If I stay quiet today, who will help me cry for help when I suffer from misfortunes in the future?," asked one Weibo user. "If I don't speak up as a passerby, then one day, if injustice should come upon me, no one would speak up for me as well."
(End Story)
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"at what age is one considered "Young" or "Old"
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Posted:May 28, 2014 4:54 am
Last Updated:Jun 6, 2014 4:25 am 21961 Views
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Interesting how we consider the word "Young" or "Old"
The term, Old money vs New money, people seem to respect "Old money" more.
When one is in pursuit of Wine, they want it to be "Old"
Some Cars go up in value when they get older than 25 yrs, yet up to 25yrs many cars loose value rapidly. Then suddenly after 25 it's considered an Antique and its value skyrockets. if its over 50-60-70 and certainly if its over 100 it's value is astronomical.
The switch up, between the likes of what is old, and the likes of what is young, seems to continue to change in our lives, depending on how we feel about something... or someone.
I had a friend, who simply did not like young women, and it seems at certain ages ranges, men may like young women and even relish the delight of the youthful manner, but he is not always interested to take her and introduce her to the family and make home with her.
On the other hand, some young women prefer older men, and don't want younger men, and even relish the delight of his matured manner, but she is not interested to take him and introduce him to the family and make home with him.
We know at certain stages in life, the concept of young even changes, for some 21 is too young, and for some 25 is too young, and for some 30 or 40 and etc. is too young.
We know at certain stages in life, the concept of old even changes, for some 21 is too old, and for some 25 is too old, and for some 30 or 40 and etc. is too old.
Seems people make many trades within their mind during the 'stages" of life, when it comes to the applications of Young or Old.
In some cultures this is even more emphasized.
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next few months
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Posted:May 27, 2014 4:49 am
Last Updated:May 29, 2014 4:51 pm 20752 Views
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I guess over these next few months, I have to get stuff done. I have no choice but to address the dental work, then get the treatments that are slated. Seems I have paper work that piles up, part because I am so tired of personal paperwork, but I know it is never going to go away.
I have paper work at home and paper work at my job, I seem to have little problem doing the paper work at the job, but the home stuff is just different.
I need to work on changing this demeanor, and get back to being full circle in such things.
I bought a stationary bike, so when the weather is bad I can exercise, I have narrowed it down, I am "joining a gym", and going to make certain I go"..
then it comes a matter of 'learning how to actually relax", and not feel that I have to be anxious to do anything.
I know the work on the business plan has to fit in and it needs to be underway weeks ago, but I will continue with the verbal conversations with the people I'm interested to work with.
I still have much time left on the schedule the doctors claim is recovery time, I would like to speed it up, and know that their projection are as stated.
Over-all.. it seems like there's always lots of stuff to do.
I'm certainly on a streak of trying to get some 'budget management in place", seems so many unplanned expense continue to invade my situations. Then the guy did not come and cut the grass, it looks horrible in the back, so I guess I will have to switch back to the other guy.
Just stuff.....
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