Wednesday, October 22, 2014

Held Hostage by Ambivalence.

Our media is trapped in a world where stories of heroism, terrorism, and political speeches define their reality. Most people live in a world where they are trapped by ambivalence. The two sides occasionally meet when the average person does something heroic or terrible.

What the average person really needs is for the media to care more about how a person's pain is manifested and cultivated by acts of ambivalence.

Monday, August 11, 2014

Forever Debt.

What is Forever Debt?

Forever Debt is the monthly non-mortgage household debt that is downplayed by economists as "serviceable". What economists fail to mention is that the percentage of monthly serviceable household debt number (Forever Debt) then needs to be multiplied by 2.5 (aka 25%) to determine what it would actually cost just to begin paying down Forever Debt on a monthly basis.

So when economists state that a household is "only" spending 10 percent of their monthly household income to "service their non mortgage debt", what they aren't saying is that it would take 25% of a household's monthly income, and a few years time to actually pay off that "10% serviceable debt".

Saturday, June 28, 2014

If you love Someone, set them free, explained.

"If you love someone, set them free. If they come back, they're yours; if they don't, they never were", explained below.

The problem with the "If you love someone set them free" saying is the person setting the other one free doesn't realize its them that was being set free by the other person.

Monday, June 16, 2014

We Support Consumer Rights, in Quotes, has been posted ZERO TIMES since 2010 in a U.S. related search.

I just did the most stunning google search. I searched for the phrase "We Support Consumer Rights" in quotes. The quotes ensure that google only searches for that phrase in that order.  I only got 10 hits. When I added the following exclusions, -Dubai, -Australia, and made the research from 2010 to the present, I got ONE RESULT.

When I clicked on that one result, it went to a site that is no longer  working.
Not one group or organization or a person with multiple personalities from the U.S. has posted "We support consumer rights" since 2010. That explains a lot.

When I searched for "I support Consumer Rights" -australia, since 2010, I got four hits.
Two of them were for X-box related issues and another for the UK. The fourth was an article debating the merits of labeling GMO that  seemed to be a bit concern trollish in nature in favor of doing nothing. 

Maybe because Consumer Rights is not a person, people feel less inclined to post "I support Consumer Rights". 

Still seems lame there are not more proclamations stating one's support for Consumer Rights.

Sunday, June 1, 2014

What is a First Lien REHELOC?

A First Lien REHELOC would allow homeowners who are equity rich (they have a paid off home and a HELOC that is for a very modest portion of the value of their home, (under 50%)) but cash poor to reset an existing first lien HELOC with a REHELOC so they could remain in their homes by using their homes total net worth as collateral.

For some reason the Government, the Banks, the Fed, and Dodd / Frank are against REHELOC's. These entities are so against REHELOC's that the term DOES NOT EXIST nor is it considered an option!

So if you are a homeowner who spent 20, 30, or 40 years paying off your home and are equity rich but cash liquidity poor, and have a HELOC that is about to reset after 10 years, going from an interest only payment to an interest and principal payment, nobody will allow you to get a first lien replacement HELOC, aka a REHELOC.

Nobody! Not even if the REHELOC would be for less than 50% value of your paid off home. 


Sunday, April 13, 2014

Empathy is like Watering a Garden.

Empathy is like watering a garden. If we don't aim very well, some things proliferate more than is necessary and other things may die that should have prospered.

Friday, April 11, 2014

Sunday, March 23, 2014

Definition of Depression.

Definition of Depression. The moment in your life when you realize you have collected more musin than minutes left to listen to them all one more time.

Monday, March 17, 2014

Every Time an Earthquake hits, Millions of Cats Get their Wings.

In this instance, I am guessing the earthquake that just hit Los Angeles was the biggest earthquake since 1994, so that's a whole lot of cats that just got their wings.

Friday, March 7, 2014

If you tell Someone who Doesn't Care, your Problems, you'll just have another problem.

If you tell someone who doesn't care, your problems, you'll just have another problem

-Alessandro Machi, AlexLOGIC Words and Phrases.

Sunday, February 16, 2014

Empathy Defeats Tyranny.

I googled the phrase "Empathy Defeats Tyranny" (in quotes) and not one hit came up. (I believe that is called a googlewhack). 

I believe what is lacking from the interest is lack of true empathy. People would rather complain about the government and rules and regulations while demanding their right to carry arms, while apparently placing much less value on having empathy for their neighbor,  friends, and maybe even their own family.

"Empathy Defeats Tryanny", and the U.S. appears to be nearing empty when it comes to empathy.

Thursday, February 13, 2014

If Global Warming is Really Global Warning, then Al Gore missed it by One Letter.

Many who don't believe in Global Warming will point to silly little facts like Lake Superior freezing over for the first time in 140 years, or Pennsylvania getting 6 inches of snow or more four different times during the same 2013 / 2014 winter season (apparently never happened before), as evidence that Global Warming is all hooey.

It is possible that Global Warming is all hooey, but I would suggest that Global Warning is not. According to AlexLOGIC Words and Phrases, Global Warning means that the actual rise in temperature of the planet may be minimal while the actual difference between the warmest weather and the coldest weather continues to increase.

If the average temperature of where you live is 70 degrees, but in the morning the temperature was 20 degrees farenheit and during the day the temperature reached 120 degrees, but the average for the day was 70 degrees, would that make you feel any better? Would a 20 degree low and a 120 degree high make you feel like that 70 degree average was a good thing? Would plant life like a 100 degree  swing in the daily temperature if the actual daily average temperature was 70 degrees?

Lets not get hung up on global warming, but lets instead focus research on possble warning signs that the hots are getting hotter than they have ever been, and the colds are getting colder than they have ever been, and that that may not be a good thing.