Gender: Male
Status: Single
Age: 100
Sign: Aries
City: MESA
State: Arizona
Country: US
Signup Date: 5/3/2006
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Monday, November 09, 2009
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September 15th, 2009 by Martin Hutchinson Is the U.S. housing market truly at a turning point, as real estate investors seem to increasingly believe? Or is this actually a false dawn, meaning that there are problems ahead for those who turned bullish too soon?New home sales jumped almost 10% in July, while the Case-Shiller home price index rose for the second successive month. Yet luxury homebuilder Toll Brothers lost $493 million in the quarter ending July 31, considerably worse than analysts had expected.Housing stocks are certainly acting as if a recovery must be on the way. Pulte Homes Inc. has more than doubled from its low. Toll Brothers Inc. is up around 70% from its bottom. D.R. Horton Enterprises is up almost four times from its bottom. Lennar Corp. is up about 4.5 times from its low. Finally, Hovnanian Enterprises Inc. is up almost tenfold from its low after a flirtation with bankruptcy. Yet all of these companies are still racking up quarterly losses, according to their most recent earnings reports.In terms of house prices, it would seem unlikely that a bear market bottom has been reached. Yes, the average house price is now back down around its long-term average of about 3.2 times average earnings, or only a little above it. But history suggests that markets don’t bottom at their average valuation: In fact, after such a huge excess to the upside, they overshoot on the downside.The Case-Shiller 20-cities index is still 42% above its January 2000 level, having outpaced inflation during the last 9.5 years. Yet January 2000 was not the bottom of a housing depression — far from it, in fact. That was actually close to the top of the dot-com bubble, when valuations of all assets were at all-time highs. So an average price over the whole country that — even now — remains 42% above the average price recorded at the very top of a huge economic boom does not seem like a market bottom to me.You also have to remember that the U.S. federal government is hugely subsidizing the market. Interest rates are artificially low, and the U.S. Federal Reserve has bought more than $1 trillion worth of housing debt. Fannie Mae and Freddie Mac have been rescued by the government, and provided with more than $100 billion of taxpayer capital. And Ginnie Mae (the Government National Mortgage Association), directly a government agency, has provided almost $1 trillion of mortgages that require a 3% down payment.And that’s not all…The government is spending additional billions helping homeowners avoid foreclosure. First-time buyers are given a tax credit of $8,000 towards the down payment on their house — this credit currently runs out on December 1. So the current overall market bottom is propped up artificially. Even if the proposed tax-credit extension is approved, at some point, those props will be removed.In individual cities, the picture is somewhat brighter. Phoenix and Las Vegas prices are less than 10% above their 2000 levels, having been halved from their respective peaks. In those markets, house prices may truly be reaching a bottom, although the overhang of foreclosures after such a huge drop may make recovery slow. At the other extreme, Detroit housing is 30% cheaper than in 2000, a testimony to the awful economic environment there, with the bankruptcies of General Motors Corp. and Chrysler Group LLC.Again, with the government bailouts of both companies, there may be something of a recovery in those local housing markets.Probably the best prospects, however, are in Denver and Dallas, where prices are about 20% above their 2000 level, roughly in line with the increase in consumer prices during that same period. However, the local economies are strongly based on natural resources, particularly oil, whose price is triple its 2000 level. With prices in Dallas and Denver down only about 10% from their 2000 peaks, a true recovery in those cities may be near.At the opposite extreme are the metropolitan “Big Three” of Los Angeles, New York andWashington, where prices are 61%, 71% and 74% above their 2000 levels, respectively.Washington will be fine, of course: The Obama administration’s spending-and-legislation plans have attracted yet another huge influx of bureaucrats, lobbyists and lawyers, all of which will boost the housing market to new highs. With New York you have to worry about all the financial-services jobs being lost as a result of the worst financial crisis since the Great Depression.From a nationwide standpoint, the most likely path for the housing market is for a modest recovery, with some later slippage as subsidies are removed. Housing is likely destined to once again become a highly regional market, as it always was prior to the 2001-2006 market boom, with the cycles in each market being very different.What do you think local housing markets will do over the next 12 months?
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Friday, October 23, 2009
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....................
------------------------------------
THE ANT AND THE GRASSHOPPER ....
This
one is a little different....
Two Different Versions!
Two Different Morals! ....
.. ..
OLD
VERSION: The ant works hard in the withering heat all summer long, building his
house and laying up supplies for the winter. ....
The
grasshopper thinks the ant is a fool and laughs and dances and plays the summer
away. ....
Come
winter, the ant is warm and well fed.. ....
The
grasshopper has no food or shelter, so he dies out in the cold. ....
MORAL
OF THE STORY: Be responsible for yourself ....
--------------------------------------------------------------------------------
....
MODERN
VERSION: ....
.. ..
The
ant works hard in the withering heat all summer long, building his house and laying
up supplies for the winter. ....
The
grasshopper thinks the ant is a fool and laughs and dances and plays the summer
away. ....
Come
winter, the shivering grasshopper calls a press conference and demands to know
why the ant should be allowed to be warm and well fed while others are cold and
starving. ....
CBS,
NBC , PBS, CNN, and ABC show up to provide pictures of the shivering
grasshopper next to a video of the ant in his comfortable home with a table
filled with food. America is stunned by the sharp contrast. ....
How
can this be, that in a country of such wealth, this poor grasshopper is allowed
to suffer so? ....
Kermit
the Frog appears on Oprah with the grasshopper and everybody cries when they
sing, 'It's Not Easy Being Green.' ....
Acorn
stages a demonstration in front of the ant's house where the news stations film
the group singing, 'We shall overcome..' Rev. Jeremiah Wright then has the
group kneel down to pray to God for the grasshopper's sake. ....
Nancy
Pelosi & Harry Reid exclaim in an interview with Larry King that the ant
has gotten rich off the back of the grasshopper, and both call for an immediate
tax hike on the ant to make him pay his fair share. ....
Finally,
the EEOC drafts the Economic Equity & Anti-Grasshopper Act retroactive to
the beginning of the summer. ....
The
ant is fined for failing to hire a proportionate number of green bugs and,
having nothing left to pay his retroactive taxes, his home is confiscated by
the Government Green Czar. ....
The
story ends as we see the grasshopper finishing up the last bits of the ant's
food while the government house he is in, which just happens to be the ant's
old house, crumbles around him because he doesn't maintain it. ....
The
ant has disappeared in the snow. ....
The
grasshopper is found dead in a drug related incident and the house, now
abandoned, is taken over by a gang of spiders who terrorize the once peaceful
neighborhood. ....
MORAL
OF THE STORY: Be careful how you vote in 2010 ....
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Wednesday, October 14, 2009
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....................
Son, I know that all your Dreams will come true.
.. ..
You are a unique person
And only you can do whatever
It takes to follow your dreams.
.. ..
So let your spirit lead you
On a path of excitement
And fulfillment
And I know that because you are a
Determined and talented person
any dream that your dream
can become a reality.
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Sunday, October 11, 2009
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Safety Steps and Rules for Online Safety
for Parents to Protect their Children
Install an Internet filter (see our
Internet filtering reviews and recommendations). If the
software allows for different settings for each user, we recommend blocking all
chat rooms for children under 16. We also strongly recommend blocking file
sharing programs like Kazaa, Limewire, and BearShare completely.
Place computer in the family room or another open area of your home such that
the screen is easily visible when passing by.
Know what your children are doing by:
a) Reviewing
Internet browsing history. For most Web browsers, you can assess this by holding
down Ctrl and pressing “H” at the same time or clicking on the History button on
the web that looks like this:
.
Also, most Internet filters have a feature that lets you know what sites
have been visited, and cannot be erased by tech-savvy children like History
in Web browsers.
b) Checking the
“recent documents” for files transferred or accessed on disks.
c) Surfing
together especially with younger children to learn how they use the web. Get to
know the sites they enjoy and how they interact online.
d) Changing your
child's homepage
(Instructions for changing homepage).
Educate yourself around issues of online safety. Read Safe Families’
Internet
Safety Manual, view our Internet Safety Course for Parents (coming soon) and keep up-to-date
on news and other resources on the TechMission Safe Families website at
http://www.safefamilies.org.
Lead by example. Your children are watching you. We recommend that
adults consider signing a Media
Sobriety Covenant for Adults.
Many kids' first pornography exposure is their parents'
material. Just as second hand cigarette smoke is harmful to those exposed,
your media choices can effect your children. It is your responsibility to
keep them from being exposed to pornographic or sexually provocative material. This includes:
- Television and radio
- Internet use
- Magazines and books
- Videos
- Cell phone graphics
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Sunday, October 04, 2009
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....................
Can I Borrow $25? ...........you should read and think over!
Body: A man came home from work late, tired and irritated, to find his 5-year
old son waiting for him at the door.
SON: 'Daddy, may I ask you a question?'
DAD: 'Yeah sure, what it is?' replied the man.
SON: 'Daddy, how much do you make an hour?'
DAD: 'That's none of your business. Why do you ask such a thing?' the man said
angrily.
SON: 'I just want to know.
Please tell me, how much do you make an hour?'
DAD: 'If you must know, I make $50 an hour.
SON: 'Oh,' the little boy replied, with his head down.
SON: 'Daddy, may I please borrow $25?'
The father was furious, 'If the only reason you asked that is so you can borrow
some money to buy a silly toy or some other nonsense, then you march yourself straight
to your room and go to bed. Think about why you are being so selfish. I don't
work hard everyday for such childish frivolities.
The little boy quietly went to his room and shut the door.
The man sat down and started to get even angrier about the little boy's
questions.
How dare he ask such questions only to get some money?
After about an hour or so, the man had calmed down , and started to think:
Maybe there was something he really needed to buy with that $25.00 and he
really didn't ask for money very often The man went to the door of the little
boy's room and opened the door.
'Are you asleep, son?' He asked.
'No daddy, I'm awake,' replied the boy.
'I've been thinking, maybe I was too hard on you earlier' said the man. 'It's
been a long day and I took out my aggravation on you. Here's the $25 you asked
for.
The little boy sat straight up, smiling. 'Oh, thank you daddy!' he yelled.
Then, reaching under his pillow he pulled out some crumpled up bills.
The man saw that the boy already had money, started to get angry again.
The little boy slowly counted out his money, and then looked up at his father.
'Why do you want more money if you already have some?' the father grumbled.
'Because I didn't have enough, but now I do,' the little boy replied.
'Daddy, I have $50 now. Can I buy an hour of your time? Please come home early
tomorrow. I would like to have dinner with you.
The father was crushed. He put his arms around his little son, and he begged
for his forgiveness.
It's just a short reminder to all of you working so hard in life. We should not
let time slip through our fingers without having spent some time with those who
really matter to us, those close to our hearts. Do remember to share that $50
worth of your time with someone you love.
If we die tomorrow, the company that we are working for could easily replace us
in a matter of hours. But the family & friends we leave behind will feel
the loss for the rest of their lives.
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Monday, September 28, 2009
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Thursday, September 24, 2009
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....................
....
·
I still think a man should come to the
aid of a woman. Once joined in a partnership they become weaved together
in an unbreakable force. Only by one of them letting go can they ever be
broken. I implore them to look very closely before letting go and or letting
something come between them. There is nothing out there that is worth
loosing true love for. The grass is almost never greener on the other
side. With a few exceptions and there is
no excuse for abuse be it physical or mental drugs or excessive drinking in any
relationship. If this is going on even
with intensive counseling the odds that it will ever stop are very slight. Yes
there are still fairy tales when knights in shining armor save the beautiful
lady in distress. And with that being said then there is life that is
happy ever after as well. Sorrow pains are part of each of us and maybe
the hardest thing that we have to learn how to share with that special person
that we love. Never close your heart or mind to someone you love. Or
that you have to make constant deposits into your love bank. It’s the little things that count i.e. never
leave without saying I love you. Sending
flowers, making their favorite dinner or going to your favorite restraint. Go for a walk. If you do some of these things thru out your
relationship you love bank will never be over drawn. And more important never make them feel
uncomfortable in coming to you for anything. And never worry about being
ridiculed or teased about anything that we share with each other. Drama
bring it on its makes us human it’s what makes us unique and most of all its
what has made you you. And “You” are the one I fell in love with.
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Saturday, September 19, 2009
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Current mood:  happy
....................
Respect!!....
.. ..
I am going to get the respect that I want from people or I
need to change the people that I am working with!....
Donald Trump Letter....
Let’s face it, folks: I live very large. My buildings and books are bestsellers. I command a handsome fee for my speaking
engagements. I have lots of beautiful
things. Success compels a lot of people
to slow down, but I never have.....
I work harder today that I did 20 years ago. Just as
momentum is a prerequisite to success, it is equally vital to its continuation
– not just in business, but in life. If
you are not out there challenging yourself every single day, you are
shortchanging your potential. That goes
for age six as well as age sixty.....
Due to momentum, the Trump brand has evolved a great deal
over the past couple of years. The
Apprentice and the Donald J. Trump Signature Collection, to name a few, have
been amazing successes.....
Now, my bottom line doesn’t demand the multi-millions that
accompany these ventures, or, by way of example, the multi-millions that will
come with the tremendous new casino project I’m developing in Philadelphia, but
I love the work. That is the key to
momentum.....
In this issue, you will see where forward motion is leading
the Trump brand. GoTrump.com will be a
new force in travel, and in Atlantic City, renovations on the area’s best
properties are currently underway. I
think both projects are prime examples of the extent to which I am maintaining
my momentum.....
Great rewards are here too, from my friend Jay Leno’s
opportunity to drive an incredibly exotic car to some of the most impressive
homes on the market today, amazing restaurants, watches, and executive tools of
the trade.....
From my office or penthouse in Trump Tower, I can look out
onto Manhattan and see all my accomplishments.
Rather than an invitation to rest, the view is a constant call to
action. I hope you find similar
momentum.....
Donald Trump....
.. ..
I have loved this letter and read it over and over. I hope you enjoy it as well Thanks Erik Partridge....
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Thursday, April 23, 2009
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A Mask Of Plastic
A mask of plastic happiness often covers her sadness
Her beliefs hidden from most
Afraid of, but willing to face the unknown
Wondering where her place is in this life
She has come close to sharing herself
Never completely revealing anything to anyone
Feelings of invisible chains corner her
When she dreams, reality shatters before her very eyes
Accomplishments she strives for just at hands grasp
She feels lost sometimes, not yet finding her notch in this world
At times the glimmer in her calm eyes slowly disappears
But within her heart a silent flame burns her inside and out
She roams day by day, playing roles
Strength unknowingly resides in her
History repeats itself once again
The translucent veil she so proudly wears
Little by little answers will come, pushing it aside
One day there will be no more mask for her to wear
One day her beliefs will be known
One day she'll know her place in this life
One day she will share herself
ONE DAY this mask will be NO MORE
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Monday, April 13, 2009
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.................... Improving Your Marriage....
.. ..
Almost every love story has the potential to begin as if it were a fairy tale. "Once upon a time, two people fell passionately in love and their love was unlike any others before theirs." Relationship beginnings are wonderful and they can experience a 'rebirth' with a wedding, honeymoon and the exciting first year of marriage. Once a couple begins to grow and their lives change with jobs, children, social activities and other commitments, the love and romance becomes more difficult to attend to. Sometimes love and romance seem to be lost altogether. This destiny is not unavoidable if you want to rekindle the passion or simply bring it to a new level by becoming a hopeless romantic.
When you want to ignite the passion in your relationship but you aren't sure what you need to do, the best place to begin is at the beginning. Think about the things that you used to do for your partner at the beginning of your relationship. If you don't remember or never tried to be a true romantic, don't worry. It's not difficult and once you begin you will find that you will get your own new ideas after a while.
Most new relationships or new beginnings rely on the 'little' things to show love and affection. Be sure to remember special 'couple' days like Valentine's Day, Anniversaries and even the date you met if possible. Be sure to send a meaningful gift or just a dozen roses and a box of chocolates to celebrate your feelings for your partner. Women can do exactly the same thing for men here. Not many men can resist candy!
You may not consider yourself to be a writer, but writing your partner a long love letter with your thoughts about how you feel for the other person is one of the most touching ways to spark romance. If you aren't comfortable writing a letter, consider making lists about what you love the most about your partner. Lists can be about the things they do that makes you laugh, what they do for you that you appreciate, how they make you feel inside, how beautiful or handsome they are and other very personal but attentive details.
Call your partner and talk softly and loving. If he or she isn't able to answer the phone, leave loving messages on their voice mail or answering machine. Talk dirty when you know that he or she can't return the same conversation on the other end.
Sometimes couples feel more comfortable trying to bring romance into their relationship by bestowing gifts on their partner. While classics like flowers, candy and perfume or cologne are almost always successful gifts, try 'giving' something different. Make plans to go see every romantic movie that comes to the theater during the year. Bring home a bottle of champagne to celebrate even the tiniest accomplishment he or she has had. Randomly send romantic and/or humorous greeting cards to his or her workplace or hide them under the bed pillows at home.
These suggestions are simply ideas to get you started in your effort to bring romance and love to a new level in your marriage. You may have your own ideas and those are most likely better than anything offered here. Once you open the door to romance in your marriage and begin to build a foundation for future romance, you are ready to move to even more creative levels of romance....
.. ..
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