Tuesday, July 28, 2009

Love Thy Neighbor?


I have to be careful how I write this because I don't want this to sound like I'm fishing for compliments, and I'm not, but I need to sound off on this topic.

Where I grew up we played outside from dusk til dark, we never locked our doors, and we had events like block parties throughout the year. You knew every neighbor for blocks, their names, their jobs and yes, even their naughty little secrets. When a neighbor was sick or suffered a loss it impacted us all and we responded with charity. I lived in an age where people cared about people, you care about them and you cared what they thought about you. We were raised to believe we should contribute to our community and our society, and that a man was judged by those he helped along the path of life. I took those childhood memories and lessons to heart, I cherished them and carried them with me throughout my life, and they have served me well.

Now this may be a rhetorical question but when did those things change?

I've lived in my home for 28 years and I'm ashamed to say I probably only know about 12 of my neighbors. But those that I do know I have, over the years, developed a good relationship with and tried to be that neighbor I remember from growing up.

As an example; my neighbor to the west had a bad hip and for four years I cut his lawn every week. In return, he'd plow my drive during the winter with his pick-up truck, he got it. Whenever it stormed the tree in the front yard of the widow next door would drop huge limbs and I would cut them up. When she passed away I cared for the house for her niece that lived up north who inherited it.

When my neighbor across the street lost his job and moved to Florida I cut his lawn for almost two years until the house sold. Some in the neighborhood thought I'd fallen on hard times and was cutting lawns. Little did they know I did it because I'm a good neighbor they paid for nothing. My other neighbor kitty corner from me asked to park his boat in my drive while he tried to sell it and I said sure, and then when he lost his job and went to Tennessee for job training I trimmed his lawn and watched over his family. When he got back I called a friend in a related field and tried to help him get a job. He was astounded, he said he owed me...I said no, you're my neighbor.

The young kids that just moved in behind me were unprepared for being without power for two days and were about to loose everything in their refrigerator so I hauled over an extension cord from my generator and plugged them in, they were so grateful they didn't have money for more food.

Over the years I have done things for them and some have done nice things for me, but what puzzles me is the majority look at me like I'm goofy. To me it's simple you reap what you sow...I believe in karma, and I believe the lessons my community taught me as a child.

When did those lessons go out of fashion? And more importantly how do we get them back? Perhaps you know....

Saturday, July 11, 2009

The Real Estate Market The True Story


Sometimes it's a curse to be burdened with being right all the time. Over the years I have amazed many of my family, friends and contemporaries with the things I have predicted. A large part of the burden is people tend to blame you for everything that goes wrong. In fact, I have two ex-wives and several former girlfriends, plus a current one, that will tell you it's almost always my fault. Just ask them! So accurate am I, that many that know me have taken to calling me by my other world name, Nostradumbass.

But today I want to convey to you a discussion I had back in 1995 regarding the future of real estate in this country.

Back in '95 I was a Sales Manager for one of the largest, privately held, real estate companies in the United States. It was a job I did well. I not only recruited and trained sales associates in my office but I also trained throughout the company at different times. I was one of their "go to" guys when it came to building an office up or making it profitable.

For those of you that don't remember the real estate market back in 1995 it was pretty darn good. We had just come out of the "Bush Senior" recession and the market was alive with a pent up demand. Homes and real estate experienced appreciation at a double digit rate in most communities, and it wasn't unusual to sell a home within a week of it hitting the market. All and all it was a good time to own and sell real estate.

I always kept things loose in my offices. There was a lot of joking and kidding, but my people were also the most Professional Realtors you could find anywhere. They had an insatiable thirst for knowledge because they understood that knowledge was power. And as such we would frequently discuss the current market, and the "what ifs" about the market as well.

I recall one day towards the end of the weekly sales meeting we got into a discussion about what the market would look like 10 years from now (1995).

I remember watching my Associates jaws drop and they looked at me like I was on recreational drugs when I said "at some point in the next 10 to 15 years the bottom was going to fall out of the market". I went on further to say; "When it happens I will feel bad for all of these people today, especially the young people, that are over extending themselves to buy these $300, $400 and $500 thousand dollar homes because they were going to take the biggest hit".

Of course even though they chuckled in disbelief, they did understand I was "Nostradumbass" and, therefore, they respected my opinion so they asked me to elaborate. Now before I go farther, let me say I did not foresee the man made energy crisis, nor 9/11, nor had any thought about our latest recession that borderlines a depression. None of these factors came into play, it was merely the basic laws of supply side economics.

I explained to them that within the next 10 years the "baby-boomers" were going to start to retire and as such they would begin a massive exodus to downsize and migrate. In doing this there would be a tremendous void left in the high end of the market place and when this happens the only result will be a glut of product and falling prices.

I could see the light turn on as I reminded them that the "baby-boomers", with a demographic population somewhere in the neighborhood of 78 million people, were about twice the size of the "Gen-X'ers" which was estimated at about 41 million people. Then behind them the next two generations combined barely equal the "baby-boomers".

When you start to realize that at some point there will be 75 million homes for sale with approximately 50 million buyers, what do you think the end result will be? Of course they said falling prices.

And that is what we are watching and experiencing today. You can blame the sub-prime mortgages, the banks, the auto industry, Bush, Obama, oil, politics, foreign cars or Larry, Daryl and Daryl, and you'd still be wrong.

The culprit simply is too many homes and not enough buyers. It is the basic principle of supply and demand, and that isn't going to change any time soon. The irony is, it isn't going to change because the real estate market is as much to blame for people being unemployed as anything else. The politicians can stimulate us all until we're orgasmic but until people are employed with a good paying job they won't be buying houses any time soon.

For those of you waiting for the market to turn around, for your home to regain the value and equity it once had; I hate to be the bearer of bad news but it you don't have at least ten years, you've got a problem. Or at the very least a tough decision to make.

Because even if this country gets back to work, with unemployment down to a respectable 3%, the basics will not change. You have workers, in this new "green" society that the Republicrats are molding, that will earn about 2/3 of what their parents did. That fact alone works against any rapid recovery of home prices because they flat out can't afford that $400,000 shack mom and dad owned. Secondly if you have 100 hamburgers for sale and only 10 people hungry, the odds are pretty slim you're going to sell more than 20 burgers. The best thing the government could do, if they really want to help the homeowners, is plow down those foreclosed homes. At least then you would reduce some of the inventory.

It's a bitch always being right! Well wait, I can think of 3 or 4 times I made a mistake......

Sunday, July 5, 2009

Craigslist Rants and Raves


I enjoy reading Craigslist. If you are not familiar with CL it's a worldwide bulletin board where people can buy and sell anything, it has a singles section, a kinky section, a real estate section, chat rooms, and my favorite Rants and Raves.

Now R&R is a great idea in concept. It's a message board where you can go to praise something you think is worth while or to rant about something that ticks you off. And, of course, like most message boards it has been taken over but those dregs of society we affectionately term trolls and flamers.

Trolls and flamers are basically people with no life. Their sole purpose is to sit around all day posting stupid things in an attempt to get a rise or reaction out of someone. They all went to the same troll academy and the insults usually follow a topic pattern of racial, fat, death, gays, children, and ethnic backgrounds.

Despite the proliferation of these flamers on a place like CL, there are still some that make interesting posts. They make comments designed to make you think or that are topical in nature. You can find me on the Detroit Cl and my handle is (sitting here reading).

Now, typically I will post things on CL much as I will post them here. Topics that I believe are worthy of discussion. Of course sometimes, when I stumble across an idiot, I can't help but respond in a way to let them know they're a few sandwiches shy of a picnic. I especially like when they reply to another persons post and resort to name calling....that almost always will get me going is the original poster (op) made any sense at all.

Here is an example of a post I made tonight. The OP told anti-smokers to be careful what you pray for because if it comes true the state of Michigan will have to find a revenue source to make up for the $2 billion dollars in taxes they now collect from smokers. The follow is a typical sequence on R&R.

This was the reply to that post:

RE: non smokers, careful what U wish for (Michigan)

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Reply to: pers-ra5ny-1254288338@craigslist.org [Errors when replying to ads?]
Date: 2009-07-05, 12:05PM EDT



Just a couple of comments. Can you tell us some of the programs that are paid for by the sacrifice your making to your life for the better of mankind? Perhaps we'd be better off without some of them. It would be a good way to cut some of the over spending this government does in the first place. You have every right to smoke, hell.....smoke until lungs shrivel up into a raisin, and emphysema has you breathing from a tank of oxygen you have to cart around with you. Go ahead jackass puff down all you want.

You said "They have also forgot to tell you that alcohol, risky sex practices, obesity, auto & motorcycle accidents are a far bigger drain on medical resources than smokers could ever be".

None of those have any effect on my life, and health. What you don't have the right to do is endanger MY life or MY children's lives. Every time you smoke down in a public restaurant or some other enclosed place you endanger everyone around you with no regard. Don't try to make yourself out to be some type of martyr either. Acting like your doing a public service by slowly rotting yourself from the inside out by sucking on a cancer stick to the betterment of Michiganders everywhere. Dick.

To which I replied:


Re:RE: non smokers, careful what U wish for (Michigan) (sitting here reading)

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Reply to: pers-xkjdc-1254838921@craigslist.org [Errors when replying to ads?]
Date: 2009-07-05, 6:50PM EDT



***None of those have any effect on my life, and health. What you don't have the right to do is endanger MY life or MY children's lives. Every time you smoke down in a public restaurant or some other enclosed place you endanger everyone around you with no regard. Don't try to make yourself out to be some type of martyr either. Acting like your doing a public service by slowly rotting yourself from the inside out by sucking on a cancer stick to the betterment of Michiganders everywhere. Dick.****

Can you say Baaaaaaaa? I think you can.

Before you go calling people a "dick" maybe you should enlighten us.....which test was it that verifies that smoking causes cancer? In a 5,000 square foot restaurant with 50,000 cubic feet of air at what point is the concentration of cigarette smoke enough to cause cancer when ingested? Can you name me three research scientists that have said, conclusively, that cigarette smoke causes cancer in everyone that smokes? These are trick questions because you can't. There are no conclusive tests. Not for lung cancer or any other form of cancer.

Cancer is caused by a predisposition genetically "dick". Not by smoke. Smoke may be a trigger but so might after shave, cologne, hair spray, bug repellent and breath like a buffalo fart. It is people like you that run like lemmings to the cliff then ask why am I falling. Because you don't question, you believe what anyone in authority tells you and you fail to research a topic.

I don't know what the OP's first post was because I haven't read it yet, but if it has anything to do with warning fools like you to beware of your rights running out the door, you better thank him. Let me ask you something....did you know that in the new Senate Health Bill for President Obama's proposed national health program there is a clause that allows the government to fine you up to $1,000 a year if you fail to provide yourself with health insurance? And as a result of these fines that expect to collect $38 billion dollars a year. You do the math. Then show me where in our Constitution it gives the government the right to dictate to us that we have to have health insurance?

Your rights are being reduced on a daily basis and you sit there and nod your head like a plastic dog in the back window of a real car.....not one the government tells you, you want.

Now back to the smoking question....do you know where second hand smoke came from? It came about when doctors and scientists couldn't come up with a reasonable answer to why do people that don't smoke get lung cancer and die! And they had no answer and it was a big hole in their anti smoking campaign...then suddenly, viola, second hand smoke kills babies from 100 feet away. Lemming.........




•Location: sitting here reading

To which someone replied to me:

re:Re:RE: non smokers, careful what U wish for (Michigan) (sitting her (yeah, right)

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Reply to: pers-uuwkm-1254877119@craigslist.org [Errors when replying to ads?]
Date: 2009-07-05, 7:21PM EDT



Whether or not second hand smoke causes cancer is irrelevent. kinda like you.

Smoking STINKS. Smokers STINK. Second hand smoke burns your eyes and irritates your lungs.

Around people with lung desiese it could be dangerous, even causing a fatal asthma attack.

Smoke all you want, just do it in your own stinky house.

Fuck all you stinky smokers. I hope you all die painfull cancerous deaths.

------------------------------------------------------------------------------------------------

To which I replied:

re:Re:RE: non smokers, careful what U wish for (Michigan) (sitting her (sitting here reading)

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Reply to: pers-v4cf2-1254910122@craigslist.org [Errors when replying to ads?]
Date: 2009-07-05, 7:48PM EDT



Dear Functional Illiterate,

It was the other poster that said it causes cancer not me. As for my smoking I quit 3 years ago after 42 years of smoking. I had the will power to see that I was doing something that could harm my body and decided to change that. Unlike you that, based upon your grammar and spelling, probably decided school wasn't your thing somewhere around 8th grade. Good luck with that!

Anyway, you're entitled to your opinion but it may mean more if you understood what it was you were responding too, versus finding new and unusual ways to put "fuck you" into a reply.

Carry on as if you were normal.....


•Location: sitting here reading


This could go on all night but even I know you shouldn't argue with a fool...but it's good for the occasional giggle. I'm betting you wish you had the last 4 minutes of your life back, huh? Anyway, if you want some interesting reading log into your local CL and take a peak. But be careful you just may want to post!




Saturday, July 4, 2009

Happy 4th of July


IN CONGRESS, JULY 4, 1776
The unanimous Declaration of the thirteen united States of America

When in the Course of human events it becomes necessary for one people to dissolve the political bands which have connected them with another and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. — That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, — That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn that mankind are more disposed to suffer, while evils are sufferable than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. — Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.

He has refused his Assent to Laws, the most wholesome and necessary for the public good.

He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.

He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.

He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their Public Records, for the sole purpose of fatiguing them into compliance with his measures.

He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.

He has refused for a long time, after such dissolutions, to cause others to be elected, whereby the Legislative Powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.

He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.

He has obstructed the Administration of Justice by refusing his Assent to Laws for establishing Judiciary Powers.

He has made Judges dependent on his Will alone for the tenure of their offices, and the amount and payment of their salaries.

He has erected a multitude of New Offices, and sent hither swarms of Officers to harass our people and eat out their substance.

He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.

He has affected to render the Military independent of and superior to the Civil Power.

He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:

For quartering large bodies of armed troops among us:

For protecting them, by a mock Trial from punishment for any Murders which they should commit on the Inhabitants of these States:

For cutting off our Trade with all parts of the world:

For imposing Taxes on us without our Consent:

For depriving us in many cases, of the benefit of Trial by Jury:

For transporting us beyond Seas to be tried for pretended offences:

For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies

For taking away our Charters, abolishing our most valuable Laws and altering fundamentally the Forms of our Governments:

For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.

He has abdicated Government here, by declaring us out of his Protection and waging War against us.

He has plundered our seas, ravaged our coasts, burnt our towns, and destroyed the lives of our people.

He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation, and tyranny, already begun with circumstances of Cruelty & Perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.

He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.

He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions.

In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince, whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.

Nor have We been wanting in attentions to our British brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.

We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these united Colonies are, and of Right ought to be Free and Independent States, that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. — And for the support of this Declaration, with a firm reliance on the protection of Divine Providence, we mutually pledge to each other our Lives, our Fortunes, and our sacred Honor.

— John Hancock

New Hampshire:
Josiah Bartlett, William Whipple, Matthew Thornton

Massachusetts:
John Hancock, Samuel Adams, John Adams, Robert Treat Paine, Elbridge Gerry

Rhode Island:
Stephen Hopkins, William Ellery

Connecticut:
Roger Sherman, Samuel Huntington, William Williams, Oliver Wolcott

New York:
William Floyd, Philip Livingston, Francis Lewis, Lewis Morris

New Jersey:
Richard Stockton, John Witherspoon, Francis Hopkinson, John Hart, Abraham Clark

Pennsylvania:
Robert Morris, Benjamin Rush, Benjamin Franklin, John Morton, George Clymer, James Smith, George Taylor, James Wilson, George Ross

Delaware:
Caesar Rodney, George Read, Thomas McKean

Maryland:
Samuel Chase, William Paca, Thomas Stone, Charles Carroll of Carrollton

Virginia:
George Wythe, Richard Henry Lee, Thomas Jefferson, Benjamin Harrison, Thomas Nelson, Jr., Francis Lightfoot Lee, Carter Braxton

North Carolina:
William Hooper, Joseph Hewes, John Penn

South Carolina:
Edward Rutledge, Thomas Heyward, Jr., Thomas Lynch, Jr., Arthur Middleton

Georgia:
Button Gwinnett, Lyman Hall, George Walton

Friday, July 3, 2009

This Is Scarey


More and more I look and see our individual rights being subtly taken away by our government. The worst part of the whole scenerio is "we the people" are allowing it to happen. I don't have time to comment on this at the moment but here is a reprint of an article from this mornings Detroit Free Press. If this doesn't scare you...than you are either a special kind of stupid or dead:

Uninsured would face fines under Senate health bill
By RICARDO ALONSO-ZALDIVAR • Associated Press • July 2, 2009
http://www.freep.com/article/20090702/NEWS15/90702064/Uninsured+would+face+fines+under+Senate+health+bill

WASHINGTON — Americans who refuse to buy affordable medical coverage could be hit with fines of more than $1,000 under a health care overhaul bill unveiled today by key Senate Democrats looking to fulfill President Barack Obama’s top domestic priority.

The Congressional Budget Office estimated the fines will raise around $36 billion over 10 years. Senate aides said the penalties would be modeled on the approach taken by Massachusetts, which now imposes a fine of about $1,000 a year on individuals who refuse to get coverage. Under the federal legislation, families would pay higher penalties than individuals.

In a revamped health care system envisioned by lawmakers, people would be required to carry health insurance just like motorists must get auto coverage now. The government would provide subsidies for the poor and many middle-class families, but those who still refuse to sign up would face penalties.

Called “shared responsibility payments,” the fines would be set at least half the cost of basic medical coverage, according to the legislation.

In 2008, employer-provided coverage averaged $12,680 a year for a family plan, and $4,704 for individual coverage, according to the Kaiser Family Foundation’s annual survey. Senate aides, who spoke on condition of anonymity because they were not authorized to speak publicly, said the cost of the federal plan would be lower but wouldn’t provide specifics.

The legislation would exempt certain hardship cases from fines.

The new proposals were released as Congress neared the end of a weeklong July 4 break, with lawmakers expected to quickly take up health care legislation when they return to Washington. With deepening divisions along partisan and ideological lines, the complex legislation faces an uncertain future.

Obama wants a bill this year that would provide coverage to the millions of Americans who lack it and reduce medical costs.

In a statement, Obama welcomed the legislation, saying it “reflects many of the principles I’ve laid out, such as reforms that will prohibit insurance companies from refusing coverage for people with pre-existing conditions and the concept of insurance exchanges where individuals can find affordable coverage if they lose their jobs, move or get sick.”

The Senate Health Education, Labor and Pensions bill also calls for a government-run insurance option to compete with private plans as well as a $750-per-worker annual fee on larger companies that do not offer coverage to employees.

Sens. Edward Kennedy, D-Mass., and Christopher Dodd, D-Conn., said in a letter to colleagues that their revised plan would cost dramatically less than an earlier, incomplete proposal, and help show the way toward coverage for 97% of Americans.

In a conference call with reporters, Dodd said the revised bill had brought “historic reform of health care” closer. He said the bill’s public option will bring coverage and benefit decisions driven “not by what generates the biggest profits, but by what works best for American families.”

The two senators said the Congressional Budget Office put the cost of the proposal at $611.4 billion over 10 years, down from $1 trillion two weeks ago.

However, the total cost of legislation will rise considerably once provisions are added to subsidize health insurance for the poor through Medicaid. Those additions, needed to ensure coverage for nearly all U.S. residents, are being handled by a separate panel, the Senate Finance Committee. Bipartisan talks on the Finance panel aim to hold the overall price tag to $1 trillion.

The Health Committee could complete its portion of the bill as soon as next week, and the presence of a government health insurance option virtually assures a party-line vote.
In the Senate, the Finance Committee version of the bill is unlikely to include a government-run insurance option. Bipartisan negotiations are centered on a proposal for a nonprofit insurance cooperative as a competitor to private companies.

Three committees are collaborating in the House on legislation expected to come to a vote by the end of July. That measure is certain to include a government-run insurance option.

At their heart, all the bills would require insurance companies to sell coverage to any applicant, without charging higher premiums for pre-existing medical conditions. The poor and some middle-class families would qualify for government subsidies to help with the cost of coverage. The government’s costs would be covered by a combination of higher taxes and cuts in projected Medicare and Medicaid spending.

End of article

Extorting fines against Americans that may not be able to afford health insurance? This from the party that cruxified John McCain for suggesting taxing health benefits?