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Monday, 25 May 2009

Jim's Thought of the Day You think it, I say it

Having Good Credit - Does it Matter?

Two years ago if I told you that I thought letting my house go back to the bank and trying to settle all of my credit card debt would be my best option, you'd have told me I'm crazy. Today, not only would you not refute it, you would probably encourage it. More and more we hear of people taking this route not only due to lost jobs and lack of income, but also because it makes good financial sense. When home values have dropped over 50% and the entire economy is in the tank, can creditors really view these actions as a detriment to a person's financial responsibility?

As tides of people have lost or 'given back' their homes to the banks in foreclosure, the average credit score in the country continues to drop. Frankly, the state's and country's credit score are dropping as well. So does this mean that the hundreds of thousands of families (or millions) in the country will suffer with their credit for seven years as a result?

I have to believe that the answer to both of those questions is no. And sadly, I have to think that it makes sense for families to take this option in an effort to become financially sound. The economy in this country has taken a hit. It will continue to decline, contrary to the belief of the current administration. The more the government puts it's hand in private business, the less the private business can make a comeback. The less say owner's of business has, the higher the probability of failure. Look, we put billions into Chrysler only to have it file bankruptcy. Bankruptcy which of course is the same option as faced by many households across the country (even after the bailouts issued to those in foreclosure's grasp), which again in the case of Chrysler, makes sense. Nonetheless, the government got too involved. Truly, bankruptcy would have been the best option and should have happened before the taxpayers lost their shirts on it. Same with GM. In a capitalistic society, if a business is going to make it, it will do so on it's own. If GM has models that will survive, at the very least those models and brands will be picked up by someone better able to sell them. The government doesn't need to come in and change leadership and infuse money in it. So all this having been said, when the country, the states and the large corporate entities all have to 'modify' their financial standings by not paying back debtors, settling with creditors, and giving back property - who's to say that it will be such a downfall to the private citizen?

The bottom line is this - Cash is King and it will be for years to come. The faster and easier people can get to a point where they are cash heavy, the better. If that means settling debts for 50% of their original amount, letting homes go back to the lenders, or declaring bankruptcy, then that's just the way it is. With the way the current administration is bleeding money, it would be better monetarily if all the citizens were issued a "clean slate" and the banks made whole, than the way the government is handing out money to the wrong people. Credit will not be flowing the way it did, probably ever; and for a very long time if so. FICO's and credit history will not matter when you have cash in hand anyway. This may just be a big wake up call to the country and even the world - Don't over-extend yourself in the first place, and all will be well!

Saturday, 23 May 2009


Aerophobic aero·pho·bia noun - fear or strong dislike of flying

But hang on...

What would someone be called if they had a phobia of the chocolate bar, Aero?

They can't have a name now can they, as its been used. Who ever came up with "aerophobic" was just selfish and didn't think it through. Thanks alot.

Blogger (Blogspot) - sfj3

Blogger (Blogspot) - lifeasalayperson

Fear...storytelling day

Today I am going to tell a story that I read once and often hold in thought, however, I forget all too frequently when it matters. I remembered it while reading a quote and subsequent comment over at SquirrelQueen blog on fear. So here goes:

There is a story of a woman running away from tigers. She runs and runs, and the tigers are getting closer and closer. When she comes to the edge of a cliff, she sees some vines there, so she climbs down and holds on to the vines. Looking down, she sees that there are tigers below her as well. She then notices that a mouse is gnawing away at the vine to which she is clinging. She also sees a beautiful bunch of strawberries close to her, growing out of a clump of grass. She looks up and she looks down. She looks at the mouse. Then she just takes a strawberry, puts it in her mouth, and enjoys it thoroughly.

Tigers above, tigers below. This is actually the predicament we are always in, in terms of our birth and death. Each moment is just what it is. It might be the only moment of our life, it might be the only strawberry we will ever eat. We could get depressed about it, or we could finally appreciate it and delight in the preciousness of every single moment of our life.

I really wish though that there was much more emphasis on how difficult staying in the moment really is, when people talk/teach about it. It is, I am sure, an activity that that burns measurable calories when practiced regularly!

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Blogger (Blogspot) - lifeasalayperson

Wednesday, 29 April 2009

choices freak me out a blog from vaishu

choices freak me out

desufnoc? Yep am definitely confused....

There are many choices in life that we need to make...Is it just me or does everyone complicate life's simple decisions and then get confused totally as to what to choose...I am in a stage of my life where I need to make an important decision.A choice between two paths....And man I like both of them equally,I am telling you this is not just a simple decision too.This has been running in my mind kind of like a loop without getting a proper answer to it for a couple of years now.And no matter in what way I prioritise things, I still feel that I equally love both of the choices.
Uuuuggghhhh I just wish that there was one more choice saying both a and b.How I wish.Why?can't it be there seriously....I demand an answer...I guess this is one of the reason why I am not able to sleep no matter how hard I try for the past ten hours(something that comes for me without much effort)...And I am exhausted as well with one of my endsem just getting over today.And about the choices you would have guessed it's "what will I do after my ug?"I am a person who would like to keep everything in life simple. I am a "live every moment" "go with the flow" take life as it comes" type of a person.I do plan a little bit(my friends actually say that I am quite a planner)may be for the evening or couple of days or to the max may be a week but not more than that.This is the first time ever that I thought about future as in "future".And I am freaked out like anything inside.
For a person who gets confused over petite(if there is a word much better than this to describe even the tiniest decision i need to make I would gladly use that) choices of "this or that" choosing a lifetime career path is OMG I can't even imagine how difficult it is.
And about the choices i ll tell you later.....

Buh bye,

Find more great blogs from vaishu Blogger (Blogspot) - galagaltalks

Saturday, 25 April 2009

If I could...

Find more blogs from this author here: Pierre Castonguay

If I could...

If I could have asked Life for a favor, before my soul came inside my body at the moment of my birth about a specific location I would have said that I want to live in North America in an area so specific in itself that it is a country inside a great country. I would have expressed the will to live in a large island wich is part of an archipelago, and the opportunity to work in the neighboring island at the center of which lies a mountain. I would have chosen an urban area.

I would have expressed the will to be bilingual french and english for the culture and the sciences. And by chance I would have taken long walks in a peninsula a few minutes from my house.

My country is Canada and I am Québécois. So I live in Quebec: a territory so special that it is a francophone country inside the great canadian territory. Quebec is a vast geographical area corresponding to more than four times the size of France. I was born in an island that is part of the Hochelaga Archipelago. I'm in the urban environment of Laval and Montreal This blog is the result of my thoughts when I'm walking in the peninsula that borders the center of the south shore of my island.

Si je pouvais avoir demandé une faveur à la vie, avant que mon âme soit venue dans mon corps au moment de ma naissance sur un endroit précis, j'aurais dit que je veux vivre en Amérique du Nord dans un domaine aussi spécifique en lui-même qu'il s'agit d'un pays dans un grand pays. Je voudrais avoir exprimé la volonté de vivre dans une grande île qui fait partie d'un archipel, et la possibilité de travailler dans l'île voisine au centre duquel se trouve une montagne. J'aurais choisi une zone urbaine.

J'aurais exprimé la volonté d'être bilingue français et anglais à cause de la culture et des sciences. Et j'autais demandé d'avoir la chance de pouvoir prendre de longues promenades dans une presqu'île à quelques minutes de ma maison.

Mon pays est le Canada et je suis Québécois. Alors je vis au Québec: un territoire si particulier qu'il est un pays francophone à l'intérieur du grand territoire canadien. Québec est une vaste zone géographique correspondant à plus de quatre fois la taille de la France. Je suis né dans une île qui fait partie de l'archipel d'Hochelaga. Je suis dans l'environnement urbain de Laval et de Montréal Ce blog est le résultat de mes réflexions lorsque je marche dans la presqu'île qui borde le centre de la rive sud de mon île.

Friday, 24 April 2009

Healthy Living - Hiking

Recently I have decided to incorporate occasional exercise in my life. I highly suggest hiking, because not only is it exercise, it is just absolutely stunning views. Here is an example:Plus, the fresh air will be refreshing along with the water you bring along! It's a lot easier to get in those 8 cups when it seems effortless. One idea is to bring a picnic! I highly suggest getting a freezer bag. The one I use keeps things frozen for more than 4 hours! Here is a link to find one:

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Tuesday, 21 April 2009

Random Cat Facts

Cat's are lactose intolerant.

All calico (3 colors) cats are female.

Each cat's nose has a unique pattern, much like a fingerprint.

An average cat has 1-8 kittens per litter, and 2-3 litters per year.

Sir Isaac Newton invented the cat door.

Cats can see color!

The cheetah is the worlds fastest land animal it is also the only cat that can't retract its claws

A cat's normal body temperature is 101.5 degrees.

Cats need five times more protein than dogs do.

Cats spend 30% of their waking hours grooming themselves.

Cats have AB blood groups just like people.

The average cat weighs 12 pounds.

Only 40% of cats are ambidextrous while another 40% are either right-pawed or left-pawed.

Cats are more aggressive when they are not neutered or spayed.

21% of U.S. households have at least one cat.

An adult cat has 32 teeth.

Egyptians shaved their eyebrows as a sign of mourning when they lost a beloved cat.

Cats have five toes on each front paw, but only four toes on each back paw.