The New Economy

I recently read an interesting article called The 30-Year American Dream. The article was at wethesavers.ingdirect.com/homeowners-living-room/the-30-year-american-dream/.

Having been a math teacher, I am a numbers person. So it caught my attention in the article when it said:

“In 2003, 83 percent of Americans said they thought owning their own home was a safe investment. According to a recent National Housing Quarterly Survey, today only 64 percent of Americans think its a safe investment, down from 70 percent at the beginning of 2010.”

As well as:

“Today, the average American changes jobs every four years, moves 11.7 times in a lifetime and refinances their home roughly every five years. Pin these numbers against the backdrop of a 15 or 30-year fixed rate mortgage, and you see the bulk of American homeowners paying thousands in insurance for mortgage duration they dont need.”

Most people today still consider owning a home to be a good investment and that is a bold-faced lie. It is not an investment and should not be looked at as an investment. This lie must have started back in 1938 when Fannie Mae was born.

If I was a lot younger and did not want to experience the joys of gardening and being around nature, I would rent instead of own.

People think, wrongly, that there are a lot of tax advantages to owning a home. Wrong again. Do the math. Plus by moving on average 11.7 times in your lifetime, I have moved maybe 3 times that, owning a home can become a very poor use of your money, which is why I said it should not be looked at as an investment.

In todays economy buying a home could be tragic as many people are seeing their homes value dive bombing.

Why am I spending so much time talking about home ownership and it being a bad choice for most people? We are in a new economy, a global economy. No longer are we affected only by what happens in our neighborhood, city or state. We are affected by events on the other side of the world.

The economic power is shifting from west to east. The USA will soon no longer be the envy of the world and we need to face up to that if we want to come out on top and enjoy a happy and successful life.

In fact, a new book will be published later this year called Happiness & Success, Why the Trade-offs Arent Necessary. It will show you what you need to do now to ensure you will be well off in this New Economy.

Ethics In Business And Accounting Decisions

Depending on the type of business, the facts and circumstances surrounding accounting decisions may not always make them clear cut, and yet the decision may determine whether the company shows a profit or a loss in a particular period! What are the factors that influence business and accounting decisions, and how should these factors be weighed? Generally, three factors influence business and accounting decisions:

The economic factor states that the decision being made should maximize the economic benefits to the decision maker. Based on most economic theory, every rational person faced with a decision will choose the course of action that maximizes his or her own welfare, without regard to how that decision impacts others. In summary, the combined outcome of each person acting in his or her own self-interest will maximize the benefits to society as a whole.

The legal factor is based on the proposition that free societies are governed by laws. Laws are written to provide clarity and to prevent abuse of the rights of Individuals or society. Democratically enacted laws both contain and express society’s collective moral standards. Legal analysis involves applying the relevant laws to each decision, and then choosing the action that complies with those laws. A complicating factor for a global business may be that what is legal in one country might not be legal in another. In that case, it is usually best to abide by the laws of the most restrictive country.

The ethical factor recognizes that while certain actions might be both economically profitable and legal, they may still not be right. Therefore, most companies, and many individuals, have established standards for themselves to enforce a higher level of conduct than that imposed by law. These standards govern how we treat others and the way we restrain our selfish desires. This behavior and its underlying beliefs are the essence of ethics. Ethics are shaped by our cultural, socioeconomic, and religious backgrounds. An ethical analysis’s needed to guide judgment for making decisions.

The decision rule in an ethical analysis is to choose the action that fulfills ethical duties responsibilities of the members of society to each other. The challenge in an ethical analysis is to identify specific ethical duties and stakeholders to whom you. Owe these duties. As with legal issues, a complicating factor in making global ethical decisions may be that what is considered ethical in one country is not considered ethical in another. Ethical training starts at home and continues throughout our lives. It is reinforced by the teaching that we receive in our church, synagogue, or mosque; the schools we attend; and by the persons and companies we associate with. A thorough understanding of ethics requires more study than we can accomplish in this book. However, remember that, when making accounting decisions, do not check your ethics at the door.

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The Internet Culture In Virtual Reality By Castells

As a tool of communication and technology sharing, the Internet has become a powerful force that is difficult to control. According to Castells the Internet has become the center for libertarian values of privacy, freedom, and openness. Castells believes that the interaction between four types of cultures resulted in this: the techno-meritocratic culture, the hacker ethic, the virtual communitarians, and the entrepreneurs. The author believes that with time the flexibility of the Internet will be used in commercial interests to change the culture of openness of the Internet into the culture of control.

Castells in the chapter Virtual Communities or Network Society reflects on how the internet has changed the way people communicate with each other. The author speaks about how most people’s social interactions increase, rather than decrease, which is the general opinion of the internet. A major criticism against the communication through the Internet is that there is little time for communication in a real time. According to Castells studies this fact is wrong and he rejects it. Then the author mentions such a notion as networked individualism. This means that people build their networks on their own interest. In other words, the author points out that nowadays the society is no longer organized according to the geographical location but on the choice that a person makes via the Internet.

Castells reflects on the connection between the iIternet and the government, on civil society, democracy in the society in the chapter The Politics of the Internet: Computer Networks, Civil Society, and the State”. The author brings up such aspect of the relation between government and the Internet as China. In this chapter he tells about a new version of the search engine made specially for China by Google. Besides, the chapter discusses the role of the government in the aspect of absolute freedom in communication.

When developed countries with technological infrastructures were joining the internet, developing countries began to experience a Digital divide separating them from the Internet. China went on to make its first global Internet connection in 1994, between the Beijing Electro-Spectrometer Collaboration and Stanford University’s Stanford Linear Accelerator Center. In the chapter The Digital Divide in a Global Perspective” Castells gives a detailed analysis of the usage of the Internet all over the world. Then the author examines the connection of the digital divide and the Internet. According to Castells research, connectivity is an obligatory element of economic development and the netiquette is the code of effective communication via the Internet.

Vs. 6 Cylinder Suvs

Buying a new car or a used one requires research first, you want to get the best vehicle for your money and when it comes to the size of the engine and how much power is needed in your sports utility vehicle, it is good to know the difference between a 6 cylinders vs. 4 cylinders. Some things to consider when buying a car is to look at the many factors that determine power, design and fuel efficiency of the engine.

The Year, Make and Model can affect how different engines will perform

It is important to note that a 4 cylinder engine has four pistons and usually are in smaller cars for instance a Toyota Tacoma is a compact pickup truck first generation models from 1995 to 2004, two wheel drive Tacoma’s came with the 2.4L and the 2.7L four cylinder engine, while 6 cylinder engines has six pistons and are usually found on most passenger cars, vans and small trucks such as found in GMC truck V6 engine produced in 1960 to 1978 in the Chevrolet 250 cid inline 6. Theoretically the more pistons would equal more horsepower.

Is a 6 cylinder V6 engine better than a 4 cylinder engine?

The inline 6 has been replaced by the V6 engine because of its compact size and high performance engine is why it’s the best choice if you’re looking for a high power engine while still maintaining a great fuel economy for your SUV. The 4 cylinder as a straight or inline is standard in most vehicles and is considered an economy engine. Its lower emissions and fuel efficiency makes it the engine of choice for those concerned about the impact on the environment. So to determine which engine is better will depend on what you are looking for in the next automobile you purchase though more cylinders equal more power when comparing different engines.

Advances in Technology for the Modern 4 cylinder

Many had thought that 4 cylinders were short on acceleration, this is changing with Japanese auto makers building high performance SUV’s such as in the Toyota sports utility, where you have the choice of purchasing the Highlander, Rav4 and the new 2010 Toyota 4runner has a 2.7 liter four cylinder engine that produces 157 horsepower, the only difference between a modern 4 cylinder compared to a V6 is the cost, due to the advancement in performance over the last decade.

Peru, The New Colombia

Every year many thousands of people from all over the world travel to Peru to visit such spectacles as Machu Picchu, Chan Chan or the Nazca Lines, and yet they arent aware of another Peruvian marvel: coffee.

The coffee awarded as the best special coffee in the world in 2010 by the SCAA (Specialty Coffee Association of America) did not come from caffeine-famed Colombia, but rather from Peru. The coffee, called Tunki Coffee, comes from a small plot of land in Tunkimayo, a previously unheard of village in the province of Sandia, roughly 21 hours from Juliaca (near Puno, which is famous for being on the shore of Lake Titicaca).

The owner of the roughly seven and a half acres responsible for this glorious coffee is Wilson Sucaticona, a 40 year-old man of modest economic conditions and a father of three. Additionally, the farm producing Tunki Coffee is certified organic, Mr. Sucaticona is a member of the Rainforest Alliance, and he also abides by all international Fair Trade regulations.

In case you were wondering, the title of best special coffee in the world is not an easy one to come by; Tunki Coffee beat 139 other samples of coffee from some of the worlds most famous coffee producing countries, such as Colombia, Panama, Kenya, and Indonesia. In a two day taste test conducted by 30 world-renowned coffee judges, the coffee that was determined to have best united good acidity, good body, and a floral aroma was none other than the humble newcomer, Tunki Coffee, which only one year prior had won the national best coffee competition.

If you like a good cup of Joe, but youd like to try the best, you can expect to pay a pretty penny. Tunki Coffee is currently exported to the United States and the UK, and goes at around $1,000 the quintal (46 kg.) stateside, which comes to nearly $10 a pound (not including the costs of getting it to the store shelf or coffee shop). You may not be ready for such luxury in these times of financial trouble, which could be all the more reason to come to Peru where the worlds best coffee can be had for less than a dollar a cup!

Spraying Perfume And Cologne – Why Do People Do It

Why do people wear perfumes and colognes? It’s no doubt that people wear them to smell good, and as a result, which is why the perfume industry continues to be a successful market. Perfumes not only make us smell great, but it makes us feel more attractive. So what are the other reasons why people wear perfumes and colognes?
There are a few different reasons why people choose to don on a scent. One, is that people love buying designer colognes and perfumes because they are a fan of the brand. Scents endorsed by celebrities are a continued success, since people want to buy things that they think they’re using, which is an effective way of marketing.
Besides using celebrities, another way that companies market their products is through their packaging. Designer perfumes bank on their name, and the striking looks of it’s bottles and the boxes it comes in. Beautiful packaging increases it’s aesthetic and economic values.
To compliment this, they use equally attractive models in their advertisements. In these ads, the models hold the bottles of cologne and perfume, making it seem like they were more beautiful after having used the product. A sure way to get consumers to buy their product.
Of course, there are those who buy the scents simply because they like the way it smells. So the buy the scent solely on the fragrance.
But the biggest reason why women buy perfume is that it makes them feel more attractive, giving a boost to their self-confidence. Men buy colognes for the exact same purpose: they buy them thinking that it will make them more attractive to women.
Isn’t it great that we have the modern advantage of having easy access to colognes and perfumes? Especially since this wasn’t the case many centuries ago, when most people had to rely on scented oils to smell fresh by masking their body odors. (That’s because most people didn’t take baths everyday. Eww.)
See, that’s just a few reasons why people love to get colognes and perfumes. And if you do find yourself smelling a little ripe, try taking a bath first. That’s cheaper.

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Cremation Comfort Products To Hold Ashes

One of the most important and sometimes controversial decisions that need to be made after the death of a family member is choosing burial or cremation of the body. Many factors weigh into the decision including but not limited to the wishes of the deceased and the budget constraints of those paying for the services. Tough economic times as well as an eye on future environmental concerns have made cremation become increasingly popular with families world-wide. Fortunately, there are a number of options available for not only storing the cremated ashes of the deceased but also for displaying and honoring the ashes in a tasteful yet personal manner.

Pros to choosing cremation

Cremation is the process of burning the body and reducing the dry bones into very small fragments. Religious views, personal preference or factors surrounding the death of the individual may all weigh heavily on the decision to cremate rather than bury the body. Typically much less expensive then burial, cremation of the body has been said to be more environmentally friendly as well due to chemicals used in embalming a body to prepare it for cemetery burial. Other countries, such as Europe, have experienced an overcrowding of their cemeteries making cremation a necessity rather than necessarily a choice and where this is not an issue in the United States, over time it could become a valid concern.

More than just cremation urns

Retailers have taken a modern approach to housing the cremated ashes of the deceased and the variety of options allows for families to choose from a more creative blend of products. Cremation urns have stretched far beyond the average wood urn or ceramic urn. Today, memorial urns are available in a wide assortment of sizes and themes in a variety of materials, making it easy and affordable for families to choose what works best and keep within their budget. Unique jewelry pendants, rings and bracelets called cremation jewelry have been created as a personal and intimate way to hold a small portion of ashes and accessorize a wardrobe while keeping a loved one close. Cremation art incorporates a small amount of cremated ash into the painting and is combined with an earth friendly compound to create a lasting and decorative reminder of the deceased.

Cremains can be presented and housed in a variety of manners such as:

A cremation urn
Cremation jewelry
Cremation art

The choices that follow the loss of a family member center initially on burial or cremation of the body. Personal preference of the deceased as well as other factors such as economic constraints may impact the decision and lead families to choose cremation. A unique assortment of products such as sculpture cremation urns and cremation jewelry allow for a personal yet practical approach to housing the ashes of the deceased.

Easy Forex Signals Intraday Forex Trader Report

Attention continues to be gripped on Japan and the Middle East, especially Bahrain, this afternoon as the circumstances in both nations brings nervousness to an already volatile global setting. The nuclear disaster in Fukushima has reconditioned anxieties of stalled economic recovery while the continuing violence in Manama induced further flight to quality. Nevertheless, stocks regained ground, a move that did not transfer signals to the fx trading market.

A massive downside miss in U.S. Housing Starts and major upside miss in PPI signals a stagflation environment which doesn’t bode well for the USD over a mid-term.

USD/JPY as well as the whole JPY complex plunged in the twilight hours between the New York close and the Sydney-Tokyo open on renewed anxieties regarding Japan and expectations of large Japanese repatriation to finance costs connected with the earthquake. Later this morning, nearer to the London open, the USD and JPY pared back a lot of the gains as the risk-aversion of the previous three days is abating.

EUR/USD Forex signals opinions for Metatrader: A pull back to the mid 20-day Bolli band at 1.3838 is possible. The sellers are urged by the solitary currency’s disappointment at the 1.4000-level. MACD is neutral today. RSI points to the south, agreeing with the generally somewhat bearish disposition here.

GBP/USD Currency signals for MT4: The general picture has rolled over to a neutral one. MACD is in a decisive negative cross, RSI has also rotated lower. Nevertheless, the bottom 20-day Bolli bad at 1.6026 is indicating to be a strong support for the sterling. The 20-day moving average at 1.6183 is performing like a magnet. The 20-day mid Bolli band is a crucial point.

USD/JPY Metatrader Forex Brokers Alerts Evaluation: MACD is moving on on its bearish cross today, presenting an undesirable look to the couple. RSI is negative, just above the oversold level of 30. Most likely tight ranges should control here with the bottom 20-day Bolli band at 80.87 underpinning the action on the downside, while the 20-day MA at 82.26 is very likely to restrict development higher. The reality that the bottom Bolli band was penetrated yesterday and today, adjusts emphasis to further downside.

Benefiting From Auctions in This Economy

The American economy is in a recession, money is tight and its just down right rough for a lot of people these days. People have to be frugal but there are still some ways to benefit. One way is by learning about auctions, how and what to buy low and learning how to sell items high. Unfortunately, auctions are very popular these days at some people expense but everyone has to do what they need to, to get by and survive. Lets take a look at how anyone can benefit from an auction.

Anyone Can Benefit From Auctions

Chances are you have something or know something that can be sold. Anything and everything is auctioned off everyday from people all over the world. Collectibles, appliances, vehicles, books and more can be bought or sold and even better it can be done from the comfort of your home. E-bay is just one type of auction that comes to mind. All it takes is to go on e-bay and start looking around. With the help or tutorials and online assistance, it is easy to make money on eBay auctions. Free eBay auction tools help sellers list items for auction. Offering your items up for auction on eBay is easy and the costs are reasonable. eBay auction tools for sellers are plentiful and free. For sellers, making money is easy with eBay online auction. For bidders, buying that “have to have” item from eBay is just a few mouse clicks away. eBay is just one.

Deals At Auctions
Attending local auctions is a great way to find items that maybe very salable on e-Bay or other online auctions as well. Most of the time attending these are free and sometimes fun. Doing just a little bit of research online and learning about auctions could and very well be extremely profitable. I think most people would be surprised at how many and how big this business really is. There are some incredible deals out there to be had, a lot of people just don’t bother to pursue any of these avenues for making money. Fun auctions to start out on are the weekly auctions in your town or the storage building auctions. If you are going to sell online you will want to check these storage building auctions out.

Here is a short list of different auctions which you may want to check into a little closer.

Government Auctions
Law Enforcement Auctions
Penny Auctions
Online Unclaimed Property Auctions
Storage Unit Auctions