MY EXPLANATION
http://whythishappened.com
WHY THIS HAPPENED
My social experiment
Some days are better than others. I have recently decided to try something completely out of the box for me. This Singlendating, project has taken a life of it's own. Reading some of the articles and statistics about dating has really opened my eyes. Specifically how commercialized dating has become. It's created a billion dollar year industry. Here is fact; "In 2009 the dating industry is expected to top $1.049 billion and is likely to grow at a rate of 10 percent". That's an extra 100 Million per year of growth. Let's also factor in that "The worldwide mobile entertainment industry (think cell phones) is worth $32 billion. In 2010 it is expected to be worth $41 billion.". Another 10 Billion worth of income. "Crumbs from the table"
Sites like match.com have invested heavily in to creating mobile apps. This is extremely important because it allows maximum impression at a reduced cost. Making advertising on it extremely effective. You have a much larger and more captive audience. Let's also include the fact that facebook has now changed the way advertising is being done.
Google only controls, 7 percent of the internet traffic. They already make billions a year, making it one the highest traded stocks. The internet has changed advertising so much. That Microsost has pledged 6 Billion dollars in 10 years. To build and promote their search engine Bling. Small estimates have my site at a couple thousand impressions. This is very important, considering the time involved it took to get to those impressions. People are glued to their facebook. If you ask them, some if not most, will tell you that they go on it very little.
BS, people use it a lot more than they tell you they do. The numbers that are coming in to its effectives. Continue to show improvements. This is and will be the most effective form of marketing. Instant access to people, the opportunities are endless. I have had to completely change the business plan.
Surprisingly enough, it has taken up more time then anyone of my healthcare projects. All of my current projects, have me completely consumed with getting the facts. My thirst, and creativeness has changed drastically. I'm expecting it's for the better. I am starting to see things a little clearer. It's taken sometime, but I think I have finally gotten over my financial loss. It's such a distant memory, I guess it's because I have become more resolute. My attitude has changed, my perception. I have made the decision to only look forward. Work through the issues, it's all I can do. The rest as they say is history.
Still trying to fine tune, the method to the madness. More to come
Closb
Sites like match.com have invested heavily in to creating mobile apps. This is extremely important because it allows maximum impression at a reduced cost. Making advertising on it extremely effective. You have a much larger and more captive audience. Let's also include the fact that facebook has now changed the way advertising is being done.
Google only controls, 7 percent of the internet traffic. They already make billions a year, making it one the highest traded stocks. The internet has changed advertising so much. That Microsost has pledged 6 Billion dollars in 10 years. To build and promote their search engine Bling. Small estimates have my site at a couple thousand impressions. This is very important, considering the time involved it took to get to those impressions. People are glued to their facebook. If you ask them, some if not most, will tell you that they go on it very little.
BS, people use it a lot more than they tell you they do. The numbers that are coming in to its effectives. Continue to show improvements. This is and will be the most effective form of marketing. Instant access to people, the opportunities are endless. I have had to completely change the business plan.
Surprisingly enough, it has taken up more time then anyone of my healthcare projects. All of my current projects, have me completely consumed with getting the facts. My thirst, and creativeness has changed drastically. I'm expecting it's for the better. I am starting to see things a little clearer. It's taken sometime, but I think I have finally gotten over my financial loss. It's such a distant memory, I guess it's because I have become more resolute. My attitude has changed, my perception. I have made the decision to only look forward. Work through the issues, it's all I can do. The rest as they say is history.
Still trying to fine tune, the method to the madness. More to come
Closb
The holidays
Haven't had much time for anything these past few days. It's the end of the year, and no one is really interested in discussing any business. I know in life, we must all take time to stop and smell the roses. But this entire town pretty much comes to a halt. The majority of the population in South Florida is Latino.
We Latinos enjoy the end of the year. It is a time to gather with family and reflect on the year. More importantly cherish the time we have with loved ones, and look forward to a more prosperous year. I'm not saying that Latinos are the only ones that do this. But I live in South Florida, so you cannot escape the influence we have with this town. Fiesta time, or hay party!
So the end of the year is among us. Many of us, can't wait for this year to be over. I for one, cannot wait for it to be over. It's been another difficult year. Times are bad for more than ever expected. Unemployment is at an all time high. Foreclosures are still piling up. Let's not forget the zero to negative equity on 46% of the homes in Florida.
So many different things, it can drive anyone crazy. As we reflect on the previous year and we look forward to the New Year. The one thing I will do differently is everything. I am not interested in problems, I am interested in solutions. No more arguing, did enough of that in my divorce.
No more noise, is what I like to say. I am tired of the bickering, specifically for petty grievances. Let's for once in our life be resolute. Let's stop with the noise and drama. Let's work on bettering ourselves as a whole. Try to wake up everyday, do right and put your best effort into what you do. During these difficult economic times. We have been left with no choice but to question how we got here. I think it's time we reflect on our actions. Who we are, what we do, and how we do. Will no doubt have an affect on our life.
I had a recent discussion with my sister about prescription pills and the abuse. People will always find a reason to blame the system. Britney Murphy has just recently lost her life because of prescription pills and drug abuse. I have been in the healthcare industry long enough to know. Tha cardiac arrest in your 30's is mostly caused by drug toxicity.
Britney, like Micheal Jackson had several different prescriptions. I am not a doctor, but have enough sense to know and understand that she was abusing. So who's fault is it? The pharmacy, the doctor, the friends, family, etc. I can go on, and on, the bottom line is that everyone who enabled her habit had a hand in her death.
No one wants to take responsibility for their actions. Its always someone else's fault. This is the underlying problem that we face as a nation. I for one, have no problem admitting my faults. I am an open book, if you cannot appreciate my honesty. Then I am not interested in knowing you. You are the weakest link, goodbye!
I also contributed to the delinquency. I purchased expensive cars, overpriced properties, spent hundreds of thousands living the life. The parties, the clubs, the concerts, you name it I did it. 400 dollars for a bottle, 18 dollars a drink, all because I speculated. Mostly because I bought into the bullshit that was being fed. All while ignoring the inherent facts, economic indicators, and frankly economist were predicting this for quite some time. This economic conundrum that we are in, is not a surprise!
But I ignored it, I lived what I felt was a shallow life with no meaning. I was not happy, and I had it all. The perfect life, the marriage, the house, the two and half kids. Money in the bank, and the ability to do anything. I wasn't happy, and it's only now that I realize why. My life had no meaning, I was to caught up with the lifestyle. Who's fault was that? Not the clubs, the bars, the car dealer.
It was my fault, no one ever forced me to do anything. It was all done by me, it's "nobody's fault but mine". One of my favorite songs from one of my favorite bands. Led Zeppelin, doesn't matter what the verse is, what is important to remember is the chorus. "It's nobody's fault but mine".
So as we look towards the new year, and reflect on the previous. Let's make a conscience effort to better ourselves. Hopefully allowing us the opportunity to make better decisions in life. No doubt leading to a happier life with meaning, less drama and less stress.
Just my 2 cents, more to come!
Closb
We Latinos enjoy the end of the year. It is a time to gather with family and reflect on the year. More importantly cherish the time we have with loved ones, and look forward to a more prosperous year. I'm not saying that Latinos are the only ones that do this. But I live in South Florida, so you cannot escape the influence we have with this town. Fiesta time, or hay party!
So the end of the year is among us. Many of us, can't wait for this year to be over. I for one, cannot wait for it to be over. It's been another difficult year. Times are bad for more than ever expected. Unemployment is at an all time high. Foreclosures are still piling up. Let's not forget the zero to negative equity on 46% of the homes in Florida.
So many different things, it can drive anyone crazy. As we reflect on the previous year and we look forward to the New Year. The one thing I will do differently is everything. I am not interested in problems, I am interested in solutions. No more arguing, did enough of that in my divorce.
No more noise, is what I like to say. I am tired of the bickering, specifically for petty grievances. Let's for once in our life be resolute. Let's stop with the noise and drama. Let's work on bettering ourselves as a whole. Try to wake up everyday, do right and put your best effort into what you do. During these difficult economic times. We have been left with no choice but to question how we got here. I think it's time we reflect on our actions. Who we are, what we do, and how we do. Will no doubt have an affect on our life.
I had a recent discussion with my sister about prescription pills and the abuse. People will always find a reason to blame the system. Britney Murphy has just recently lost her life because of prescription pills and drug abuse. I have been in the healthcare industry long enough to know. Tha cardiac arrest in your 30's is mostly caused by drug toxicity.
Britney, like Micheal Jackson had several different prescriptions. I am not a doctor, but have enough sense to know and understand that she was abusing. So who's fault is it? The pharmacy, the doctor, the friends, family, etc. I can go on, and on, the bottom line is that everyone who enabled her habit had a hand in her death.
No one wants to take responsibility for their actions. Its always someone else's fault. This is the underlying problem that we face as a nation. I for one, have no problem admitting my faults. I am an open book, if you cannot appreciate my honesty. Then I am not interested in knowing you. You are the weakest link, goodbye!
I also contributed to the delinquency. I purchased expensive cars, overpriced properties, spent hundreds of thousands living the life. The parties, the clubs, the concerts, you name it I did it. 400 dollars for a bottle, 18 dollars a drink, all because I speculated. Mostly because I bought into the bullshit that was being fed. All while ignoring the inherent facts, economic indicators, and frankly economist were predicting this for quite some time. This economic conundrum that we are in, is not a surprise!
But I ignored it, I lived what I felt was a shallow life with no meaning. I was not happy, and I had it all. The perfect life, the marriage, the house, the two and half kids. Money in the bank, and the ability to do anything. I wasn't happy, and it's only now that I realize why. My life had no meaning, I was to caught up with the lifestyle. Who's fault was that? Not the clubs, the bars, the car dealer.
It was my fault, no one ever forced me to do anything. It was all done by me, it's "nobody's fault but mine". One of my favorite songs from one of my favorite bands. Led Zeppelin, doesn't matter what the verse is, what is important to remember is the chorus. "It's nobody's fault but mine".
So as we look towards the new year, and reflect on the previous. Let's make a conscience effort to better ourselves. Hopefully allowing us the opportunity to make better decisions in life. No doubt leading to a happier life with meaning, less drama and less stress.
Just my 2 cents, more to come!
Closb
You can call me Al
So I'm watching the 25th Anniversary of the Rock and Roll Hall of fame. One of my favorites, Paul Simon comes out to sing. You can call me Al. So I start singing and we get to "There were incidents and accidents, There were hints and allegations". That triggered this thought pattern.
Incident, accidents, hints and allegations. That has been my life for the past three years. Incidents, accidents, hints, accusations, allegations. WTF, you name it I have been through it. Time and time again, things happen to me that I just cannot explain why. It's like I am being tested. I have suffered a significant financial loss. This action alone is traumatic in itself. Factor in the betrayal from everyone, including my wife. I was under so much stress that I got shingles. You don't normally get shingles until your 5th or 6th decade of life.
I was 30 years old with the stress of a 50 year old. At least that's how I saw it. Doctors advice; try to relax and take it easy. It's funny, how people tell you relax and take it easy. I don't think you can relax, when you are losing millions. I think its almost impossible. I lost 250k in a matter of three months at the beginning of 2007. That was money I invested in to different ventures. Doesn't include all the money I was paying out.
I never thought I was making that much money. I always felt I was doing alright. I am under the belief that you are not making money. Unless its 1 Million a year or more. I'm not money hungry, I really have no value for money. Take it from me I have lost millions, it means nothing. The reason why I have no value for money is because I was born poor. A lot of people don't realize Nicaragua is one of the poorest countries in Central America.
My mother brought us to the states for opportunities. All I saw, was her struggle to raise four kids; as best she could. We were latch key kids. Used to walk home from school, get home do homework, clean the house, and start getting as much as we could ready for dinner. I saw my parents cry when there was no money for Christmas gifts. It's these harsh and vivid memories that I cannot shake.
I never really realized how much money I was making; because it just didn't matter. I just knew I needed more of it. You see, when I started making money. I did what I said I was always going to do. Take care of my family, and help them out. I used to pay 3 different mortgages. I remember how stress free life was for me and my family. There were always good times, I didn't sit and count what I spent. I cherished the memories I was able to make happen.
I don't know how most people do it. I cannot live an average life. It has nothing to do with money. I just feel that I have gone through enough hard ache and stress. It's unfortunate that money has a lot to do with it. But if you can't beat them join them. I have always done the best I can with my money. I helped as many as I could. I intend to do that again. I think what you should do with money is. Give it away.
In order to do that, you need to make lots of it. So, in my pursuit of happiness. I am fully aware of the dangers that money brings. My intentions are to do good with it. I guess it's what motivates me. I am currently under an enormous amount of pressure and stress. Business, kids in private school, ex wife I can't count on, expenses and everyone looking for their cut. How do I get myself in to these situations?
I have come to realize that you have no control over your life. You think you do. For the most part we can control certain behavior. But we have no control, of what's to come. I am yet again being tested at every level. Mostly what I gather, from these experiences. Is that my faith is being tested.
I have this calm feeling, during these trying times. That things are just going to work out. I am confident it has everything to do with my faith in GOD. It took me sometime, but I understand now. Hopefully my writing is getting better? Nathaniel Hawthorne, said it best. "Easy reading is damn hard writing"
More to come.
Clos
Incident, accidents, hints and allegations. That has been my life for the past three years. Incidents, accidents, hints, accusations, allegations. WTF, you name it I have been through it. Time and time again, things happen to me that I just cannot explain why. It's like I am being tested. I have suffered a significant financial loss. This action alone is traumatic in itself. Factor in the betrayal from everyone, including my wife. I was under so much stress that I got shingles. You don't normally get shingles until your 5th or 6th decade of life.
I was 30 years old with the stress of a 50 year old. At least that's how I saw it. Doctors advice; try to relax and take it easy. It's funny, how people tell you relax and take it easy. I don't think you can relax, when you are losing millions. I think its almost impossible. I lost 250k in a matter of three months at the beginning of 2007. That was money I invested in to different ventures. Doesn't include all the money I was paying out.
I never thought I was making that much money. I always felt I was doing alright. I am under the belief that you are not making money. Unless its 1 Million a year or more. I'm not money hungry, I really have no value for money. Take it from me I have lost millions, it means nothing. The reason why I have no value for money is because I was born poor. A lot of people don't realize Nicaragua is one of the poorest countries in Central America.
My mother brought us to the states for opportunities. All I saw, was her struggle to raise four kids; as best she could. We were latch key kids. Used to walk home from school, get home do homework, clean the house, and start getting as much as we could ready for dinner. I saw my parents cry when there was no money for Christmas gifts. It's these harsh and vivid memories that I cannot shake.
I never really realized how much money I was making; because it just didn't matter. I just knew I needed more of it. You see, when I started making money. I did what I said I was always going to do. Take care of my family, and help them out. I used to pay 3 different mortgages. I remember how stress free life was for me and my family. There were always good times, I didn't sit and count what I spent. I cherished the memories I was able to make happen.
I don't know how most people do it. I cannot live an average life. It has nothing to do with money. I just feel that I have gone through enough hard ache and stress. It's unfortunate that money has a lot to do with it. But if you can't beat them join them. I have always done the best I can with my money. I helped as many as I could. I intend to do that again. I think what you should do with money is. Give it away.
In order to do that, you need to make lots of it. So, in my pursuit of happiness. I am fully aware of the dangers that money brings. My intentions are to do good with it. I guess it's what motivates me. I am currently under an enormous amount of pressure and stress. Business, kids in private school, ex wife I can't count on, expenses and everyone looking for their cut. How do I get myself in to these situations?
I have come to realize that you have no control over your life. You think you do. For the most part we can control certain behavior. But we have no control, of what's to come. I am yet again being tested at every level. Mostly what I gather, from these experiences. Is that my faith is being tested.
I have this calm feeling, during these trying times. That things are just going to work out. I am confident it has everything to do with my faith in GOD. It took me sometime, but I understand now. Hopefully my writing is getting better? Nathaniel Hawthorne, said it best. "Easy reading is damn hard writing"
More to come.
Clos
New years day, yet again?
The new year is among us, yet again. It's time to reflect on what has transpired for the past year. The goal is short and simple. What worked and what didn't work will help me make decisions, on how to approach next year.
I have been busy, for the past three weeks. Several different healthcare projects, a crazy idea for a magazine. All of this while I make time for the most important thing in my life. My kids, everything I do is for them. Today is their Christmas show. Where does the time go? Several years ago I would be making plans to go out with my friends to enjoy the nightlife. Life creeps up on you fast. All we want as kids is to grow up and be adults. Careful what you wish for!
Now it's all about my kids. My princess is getting so big, and the little man is not to far behind. As I reflect on this past year to prepare for the next. I have to realize how my kids are affected by my actions. Their education is extremely important to me. I have had to work twice as hard as anyone else because I had no education. I am self made, and self taught.
I'm definitely not the first and definitely not the last. But one thing is for sure, I will spare no expense when it comes to their education. I have to work twice as hard now that my kids are older. What will next year bring, only time will tell?What ever it brings, it comes second to the happiness my children give me.
I have taken the position that I will be more involved with the community. I will educate myself some more this coming year. I will push for healthcare reform and more importantly a code of ethics. I am not to happy with what this town has become. Then again, the entire nation has lost some of its moral fiber. In order to make a difference I have to get involved and I must be heard.
There is much to do. I will use this blog as a way to track my progress and push my agenda. I have always wanted to write and more importantly. My dream is to be published one day. I have a lot of reading to do, in order to become a more prolific writer. There is lots I have to learn. I will be busy, but I look forward to the task at hand.
More to come!
Clos
I have been busy, for the past three weeks. Several different healthcare projects, a crazy idea for a magazine. All of this while I make time for the most important thing in my life. My kids, everything I do is for them. Today is their Christmas show. Where does the time go? Several years ago I would be making plans to go out with my friends to enjoy the nightlife. Life creeps up on you fast. All we want as kids is to grow up and be adults. Careful what you wish for!
Now it's all about my kids. My princess is getting so big, and the little man is not to far behind. As I reflect on this past year to prepare for the next. I have to realize how my kids are affected by my actions. Their education is extremely important to me. I have had to work twice as hard as anyone else because I had no education. I am self made, and self taught.
I'm definitely not the first and definitely not the last. But one thing is for sure, I will spare no expense when it comes to their education. I have to work twice as hard now that my kids are older. What will next year bring, only time will tell?What ever it brings, it comes second to the happiness my children give me.
I have taken the position that I will be more involved with the community. I will educate myself some more this coming year. I will push for healthcare reform and more importantly a code of ethics. I am not to happy with what this town has become. Then again, the entire nation has lost some of its moral fiber. In order to make a difference I have to get involved and I must be heard.
There is much to do. I will use this blog as a way to track my progress and push my agenda. I have always wanted to write and more importantly. My dream is to be published one day. I have a lot of reading to do, in order to become a more prolific writer. There is lots I have to learn. I will be busy, but I look forward to the task at hand.
More to come!
Clos
I get inspired by music
It's been a while, it's a beautiful day, and victory. These are the songs that have been in my head since I got up today. First two are songs from my favorite band U2. The last song, shows how diverse my taste, is in music. Victory by Diddy and Biggie Smalls.
I have recently gone through some changes in my life, once again. It's been exhausting, trying so many different things. Specifically after the failure of my businesses. The one thing I have come to realize is, I cannot escape the fact that I am a natural born leader. Which is what keeps me going! You see there has always been a debate whether leaders are born or can be taught. I for one, will always challange the old adage that it can be taught. Faliure is something that you will never be prepared to deal with. It happens, those that can make it after failure will succeed.
I have always felt I was destined for greatness. From the time I was 8 years old, I have been planning out my life. I set specific goals. I needed to be married with two kids and worth a million by the time I was 30. I remember lighting up a cigar at the Loews hotel in South Beach celebrating my 30th. Thinking holy shit, I did it.
Fast forward a year later, and I doubled my net worth, and was worth a little over 3.5 Million. You give any 30 year old that kind of money, and power. Chances are, it's not going to last. One of my favorite songs, is from Sublime; Santeria. "Well I had a million dollars but I, I'd spend it all".
Some if not most, actually 95 percent of the population will never get that opportunity. Surprisingly enough I was in the top 3 percent of earners. I was a pillar in the community. Lost it, and all of the sudden I am a leper. Do I regret things, it's hard to say? I have always lived my life with the understanding that mistakes will happen. No one is perfect, and no one should pass judgment. I make decisions whether right or wrong. I execute, life will let me know if I made the right or wrong decision. It's all I can do!
This is what I have come to realize about life. It is what it is. We get so caught up in trying to achieve things. Mostly the pursuit of happiness. If we are not conscience of our actions, before we know it. We are in the typical rat race. A struggle to survive.
Have I figured out everything in life?
Absolutely not, what I have come to realize, is that life is not what we expect. We tend to worry too much about the unknown. I have recently figured out that I have no control over anything. Things happen, all the time. Is there any explanation as to why they happen? Only time will tell. Alexander Graham Bell said "When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us."
Life is all about perception. We can look at everything in different ways. In my time of dying, I was hopeless. I never thought I would make it out of the miry pits. I can tell you now, that I am grateful for the experience. Do I have any answers? I am still learning, it's what life is. We will never have all the answers.
What keeps me going? I have no idea, other than the fact. I am positive, always have been, and will always continue to be. I can choose how I look at things. I have every right to be angry. I have seen betrayal at every level, after my losses. Anger will not get me anywhere, looking past what happened to me, and learning from my mistakes is all I can do.
I cannot worry about whats to come. What I can do, is get up everyday and try to do right. The rest will fall into place, as long as I am patient. The point I am trying to make is as follows. Live your life as it comes, try to do right and be positive. Life has a funny way of letting you know what you have done.
It will repay you for the good and the bad that you have done. Learn from your mistakes, and you have ultimately figured out what life is about. Live your life as you see fit. Find out what makes you happy. Stop following others, and walk your own path. Leaders are born but as humans we can learn to adapt and be better. It's called evolving.
Just my two cents, more to come.
Closb
I have recently gone through some changes in my life, once again. It's been exhausting, trying so many different things. Specifically after the failure of my businesses. The one thing I have come to realize is, I cannot escape the fact that I am a natural born leader. Which is what keeps me going! You see there has always been a debate whether leaders are born or can be taught. I for one, will always challange the old adage that it can be taught. Faliure is something that you will never be prepared to deal with. It happens, those that can make it after failure will succeed.
I have always felt I was destined for greatness. From the time I was 8 years old, I have been planning out my life. I set specific goals. I needed to be married with two kids and worth a million by the time I was 30. I remember lighting up a cigar at the Loews hotel in South Beach celebrating my 30th. Thinking holy shit, I did it.
Fast forward a year later, and I doubled my net worth, and was worth a little over 3.5 Million. You give any 30 year old that kind of money, and power. Chances are, it's not going to last. One of my favorite songs, is from Sublime; Santeria. "Well I had a million dollars but I, I'd spend it all".
Some if not most, actually 95 percent of the population will never get that opportunity. Surprisingly enough I was in the top 3 percent of earners. I was a pillar in the community. Lost it, and all of the sudden I am a leper. Do I regret things, it's hard to say? I have always lived my life with the understanding that mistakes will happen. No one is perfect, and no one should pass judgment. I make decisions whether right or wrong. I execute, life will let me know if I made the right or wrong decision. It's all I can do!
This is what I have come to realize about life. It is what it is. We get so caught up in trying to achieve things. Mostly the pursuit of happiness. If we are not conscience of our actions, before we know it. We are in the typical rat race. A struggle to survive.
Have I figured out everything in life?
Absolutely not, what I have come to realize, is that life is not what we expect. We tend to worry too much about the unknown. I have recently figured out that I have no control over anything. Things happen, all the time. Is there any explanation as to why they happen? Only time will tell. Alexander Graham Bell said "When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us."
Life is all about perception. We can look at everything in different ways. In my time of dying, I was hopeless. I never thought I would make it out of the miry pits. I can tell you now, that I am grateful for the experience. Do I have any answers? I am still learning, it's what life is. We will never have all the answers.
What keeps me going? I have no idea, other than the fact. I am positive, always have been, and will always continue to be. I can choose how I look at things. I have every right to be angry. I have seen betrayal at every level, after my losses. Anger will not get me anywhere, looking past what happened to me, and learning from my mistakes is all I can do.
I cannot worry about whats to come. What I can do, is get up everyday and try to do right. The rest will fall into place, as long as I am patient. The point I am trying to make is as follows. Live your life as it comes, try to do right and be positive. Life has a funny way of letting you know what you have done.
It will repay you for the good and the bad that you have done. Learn from your mistakes, and you have ultimately figured out what life is about. Live your life as you see fit. Find out what makes you happy. Stop following others, and walk your own path. Leaders are born but as humans we can learn to adapt and be better. It's called evolving.
Just my two cents, more to come.
Closb
How long must we sing this song?
Ok all, if you notice some of my titles come directly from U2 songs. It's amazing how far ahead of the curve the band has been. Their songs have taken a whole new meaning for me with the current World Wide Economic conundrum we are in. Ok, I have been saying depression for over a year now. It just recently came to light TODAY that the U.S had gone in to a recession in Dec. 2007. What a freaking shock!
Since the News media outlets report what is told, very few even questioned what our economic leaders ARE saying. Hank Paulson should be thrown in jail. All of this money that is being thrown in, is just a band aid on a carotid. The end result is a tremendous blood loss that leaves you weak and disoriented.
So the question is how long must we sing this song? What is it going to take for everyone to open up their eyes so we can truly accept the reality. Let's start with the utmost important, our homes. What are they really worth?
I'll tell you, about one third of its current market value minus the payments that you have made. For instance, I refinanced my house for the business and took out 120k. Out of the money that I took I made 50k in payments in one year, yeah it was ridiculous. So a year later the house gets a market value of 300k, subtract the 50 its only worth 250k. This was earlier this year, now factor that I lived in a neighborhood were some people had lived in their homes for over 15 years. The old folks who had their homes paid off, started a massive sell off because the young guys moving in were raising the property tax. So even if my house had a market value of 250k the banks were automatically taking another 5 to 10 percent off the top for the next year of losses.
So we take the old folks who are dumping their homes below market value because they can afford to do so. And now add the banks only giving you a 80 percent loan to value what is the house really worth?
250k - 10% = 225k
80% LTV on 225k = 180k
So I made a cash offer on the house of 180k, the bank has me go through the whole process. Mind you I spoke to several foreclosure "advisers" and I knew more then they did. Well after weeks of sending in market analysis and market trends with comparables that proved what the house was only worth. What do you think happens?
I call in one day and they tell me that they had just finished their analysis and the house came in at 156k. Great, the cash offer is good, what is next? One last person to sign off on it and its a done deal, I avoid a foreclosure and since I have proof that the house isn't worth anything above 156k they can't hit me with the loss because they haven't loss any money, get it?
Well, what do you think happened. The last person that was supposed to approve the final check list told me that they had made a mistake. Do you really think they did? The answer is no, but as long as the government continues to use our tax dollars to give them money on homes that aren't worth what they say it is. They have an automatic incentive to FORECLOSE on the property.
read this, so it makes better sense of the whole balance sheet debacle.
Garbage = AAA Rating
HOW LONG MUST I SING THIS SONG?
WAKE UP PEOPLE OPEN YOUR EYES THIS IS THE BIGGEST FLEECING OF AMERICA IN HISTORY, IT IS UNPRECEDENTED!!!!!
CLOSB
Since the News media outlets report what is told, very few even questioned what our economic leaders ARE saying. Hank Paulson should be thrown in jail. All of this money that is being thrown in, is just a band aid on a carotid. The end result is a tremendous blood loss that leaves you weak and disoriented.
So the question is how long must we sing this song? What is it going to take for everyone to open up their eyes so we can truly accept the reality. Let's start with the utmost important, our homes. What are they really worth?
I'll tell you, about one third of its current market value minus the payments that you have made. For instance, I refinanced my house for the business and took out 120k. Out of the money that I took I made 50k in payments in one year, yeah it was ridiculous. So a year later the house gets a market value of 300k, subtract the 50 its only worth 250k. This was earlier this year, now factor that I lived in a neighborhood were some people had lived in their homes for over 15 years. The old folks who had their homes paid off, started a massive sell off because the young guys moving in were raising the property tax. So even if my house had a market value of 250k the banks were automatically taking another 5 to 10 percent off the top for the next year of losses.
So we take the old folks who are dumping their homes below market value because they can afford to do so. And now add the banks only giving you a 80 percent loan to value what is the house really worth?
250k - 10% = 225k
80% LTV on 225k = 180k
So I made a cash offer on the house of 180k, the bank has me go through the whole process. Mind you I spoke to several foreclosure "advisers" and I knew more then they did. Well after weeks of sending in market analysis and market trends with comparables that proved what the house was only worth. What do you think happens?
I call in one day and they tell me that they had just finished their analysis and the house came in at 156k. Great, the cash offer is good, what is next? One last person to sign off on it and its a done deal, I avoid a foreclosure and since I have proof that the house isn't worth anything above 156k they can't hit me with the loss because they haven't loss any money, get it?
Well, what do you think happened. The last person that was supposed to approve the final check list told me that they had made a mistake. Do you really think they did? The answer is no, but as long as the government continues to use our tax dollars to give them money on homes that aren't worth what they say it is. They have an automatic incentive to FORECLOSE on the property.
read this, so it makes better sense of the whole balance sheet debacle.
Garbage = AAA Rating
HOW LONG MUST I SING THIS SONG?
WAKE UP PEOPLE OPEN YOUR EYES THIS IS THE BIGGEST FLEECING OF AMERICA IN HISTORY, IT IS UNPRECEDENTED!!!!!
CLOSB
It Reeks BLACK OPS
Ok so we all got to see what happened in INDIA. Does anyone see what a coincidence it happened on a day were the entire US was home for the holidays.
It was a hugely orchestrated attack, extremely organized. See below
OIL, OIL, OIL
Wake up people, these guys are out of control!
It was a hugely orchestrated attack, extremely organized. See below
OIL, OIL, OIL
Wake up people, these guys are out of control!
Perpetual Debt!
Ladies and Gentlemen, you must watch and pass it on to everyone you know. Here is the explanation on "Why This Happened".
www.zeitgeistmovie.com
They have known, they always knew. IT WAS INTENDED!
Wake up people, open your eyes and educate yourself. EMPOWERMENT!
CLOSB
www.zeitgeistmovie.com
They have known, they always knew. IT WAS INTENDED!
Wake up people, open your eyes and educate yourself. EMPOWERMENT!
CLOSB
Some days are better then others!
Well, I said it before and I will say it again. History is repeating itself in every single aspect. Most of you might remember the 90's. Tech start-up galore, everything was a new DOT.COM we enjoyed many dividends in the tech sector. All while these startups reported losses, we continued to buy their stock on the "hopes" they would eventually turn a profit.
Ladies and Gents the key word is HOPE. Our DOW is strictly speculation on the future all while ignoring the inherent truth. Stocks go up if a company doesn't have the losses we thought they would have (what was speculated). This is short of rolling the dice and hoping it hits your lucky number.
This isn't good, it's the same when we say home sales are up 10 percent from the past month. Well if you look at the numbers half of those sales came from "foreclosed properties". Last I checked the bank had already wrote down the losses for these homes; so is it really a benefit or a sound reason for the stock to go up? It is only now that people are learning to look at the economic indicators that truly reflect how our economy is doing. Still no change!
Gas is down which is great news, you would think people would be out on the streets more? Nope reports show that we have driven "15 billion" miles less this year then last year. Simple maths tells us that 15 billion miles at say 3.00 per gallon is another 45 billion dollar loss for our economy. This is just in gas, let's look at the numbers for restaurants, retailers, etc. What about the auto industry, the factories, yahoo, and so on. Get the picture, no one is doing well everyone has taken a hit. Yes this is all our fault not just the government, we are just as guilty for taking out these loans and wasting the cash. Where has it all gone to?
Ladies and Gents the key word is HOPE. Our DOW is strictly speculation on the future all while ignoring the inherent truth. Stocks go up if a company doesn't have the losses we thought they would have (what was speculated). This is short of rolling the dice and hoping it hits your lucky number.
This isn't good, it's the same when we say home sales are up 10 percent from the past month. Well if you look at the numbers half of those sales came from "foreclosed properties". Last I checked the bank had already wrote down the losses for these homes; so is it really a benefit or a sound reason for the stock to go up? It is only now that people are learning to look at the economic indicators that truly reflect how our economy is doing. Still no change!
Gas is down which is great news, you would think people would be out on the streets more? Nope reports show that we have driven "15 billion" miles less this year then last year. Simple maths tells us that 15 billion miles at say 3.00 per gallon is another 45 billion dollar loss for our economy. This is just in gas, let's look at the numbers for restaurants, retailers, etc. What about the auto industry, the factories, yahoo, and so on. Get the picture, no one is doing well everyone has taken a hit. Yes this is all our fault not just the government, we are just as guilty for taking out these loans and wasting the cash. Where has it all gone to?
I told you so!
Ratings agencies 'put system at risk,' CEO says