Thursday, December 25, 2014

Deja Vudoo? Is it too early for Ground Hog's Day? The Title is new, but the text is from Dec 23, 2013

Stealth Advance under the smoke screen of intense pessimism from MSM assault, and Guru attack?


This is a chart from then:

Now lets look at a graphic representation of NOW 


What do I know?  Or WHAT DO I KNOW !!

I know that the market tries to lull us to sleep.  I know that people are bickering over the price of something I am told NO ONE WANTS.   I know that the supplies of this are drying up, as companies take assets out of production. 

             I do NOT know of any Institutional Entities, i.e. Central Banks, selling physical gold.

Why are all the guru's and MSM news outlets telling us this stuff is so, so bad, if we can't get any of it in any real quantity.  I clearly cannot reconcile the above facts with with what is the prevailing "noise" in the background. 

 Does it make any sense to you?
Why are these "News Sources" and "Financial Authorities" telling us this stuff is so bad for us, when they are straining to obtain it?  If we assume they are telling the truth, then I can't figure it.  If we leave it open to "Divergence Analysis", " What THEY say VS, what They DO", then I think I understand. 

 Sadly but I do think I understand....

Cuo Bono, "Who profits?",  Follow the Money !


NOW WHY OUR KIDS HATE SCHOOL ?
They are smarter than we are.
How public education cripples our kids, and why
I taught for thirty years in some of the worst schools in Manhattan, and in some of the best, and during that time I became an expert in boredom. Boredom was everywhere in my world, and if you asked the kids, as I often did, why they felt so bored, they always gave the same answers: They said the work was stupid, that it made no sense, that they already knew it. They said they wanted to be doing something real, not just sitting around. They said teachers didn't seem to know much about their subjects and clearly weren't interested in learning more. And the kids were right: their teachers were every bit as bored as they were.
Boredom is the common condition of schoolteachers, and anyone who has spent time in a teachers' lounge can vouch for the low energy, the whining, the dispirited attitudes, to be found there. When asked why they feel bored, the teachers tend to blame the kids, as you might expect. Who wouldn't get bored teaching students who are rude and interested only in grades? If even that. Of course, teachers are themselves products of the same twelve-year compulsory school programs that so thoroughly bore their students, and as school personnel they are trapped inside structures even more rigid than those imposed upon the children. Who, then, is to blame?
We all are. My grandfather taught me that. One afternoon when I was seven I complained to him of boredom, and he batted me hard on the head. He told me that I was never to use that term in his presence again, that if I was bored it was my fault and no one else's. The obligation to amuse and instruct myself was entirely my own, and people who didn't know that were childish people, to be avoided if possible. Certainly not to be trusted. That episode cured me of boredom forever, and here and there over the years I was able to pass on the lesson to some remarkable student. For the most part, however, I found it futile to challenge the official notion that boredom and childishness were the natural state of affairs in the classroom. Often I had to defy custom, and even bend the law, to help kids break out of this trap.
The empire struck back, of course; childish adults regularly conflate opposition with disloyalty. I once returned from a medical leave to discover that all evidence of my having been granted the leave had been purposely destroyed, that my job had been terminated, and that I no longer possessed even a teaching license. After nine months of tormented effort I was able to retrieve the license when a school secretary testified to witnessing the plot unfold. In the meantime my family suffered more than I care to remember. By the time I finally retired in 1991, I had more than enough reason to think of our schools - with their long-term, cell-block-style, forced confinement of both students and teachers - as virtual factories of childishness. Yet I honestly could not see why they had to be that way. My own experience had revealed to me what many other teachers must learn along the way, too, yet keep to themselves for fear of reprisal: if we wanted to we could easily and inexpensively jettison the old, stupid structures and help kids take an education rather than merely receive a schooling. We could encourage the best qualities of youthfulness - curiosity, adventure, resilience, the capacity for surprising insight - simply by being more flexible about time, texts, and tests, by introducing kids to truly competent adults, and by giving each student what autonomy he or she needs in order to take a risk every now and then.
But we don't do that. And the more I asked why not, and persisted in thinking about the "problem" of schooling as an engineer might, the more I missed the point: What if there is no "problem" with our schools? What if they are the way they are, so expensively flying in the face of common sense and long experience in how children learn things, not because they are doing something wrong but because they are doing something right? Is it possible that George W. Bush accidentally spoke the truth when he said we would "leave no child behind"? Could it be that our schools are designed to make sure not one of them ever really grows up?

Do we really need school? I don't mean education, just forced schooling: six classes a day, five days a week, nine months a year, for twelve years. Is this deadly routine really necessary? And if so, for what? Don't hide behind reading, writing, and arithmetic as a rationale, because 2 million happy homeschoolers have surely put that banal justification to rest. Even if they hadn't, a considerable number of well-known Americans never went through the twelve-year wringer our kids currently go through, and they turned out all right. George Washington, Benjamin Franklin, Thomas Jefferson, Abraham Lincoln? Someone taught them, to be sure, but they were not products of a school system, and not one of them was ever "graduated" from a secondary school. Throughout most of American history, kids generally didn't go to high school, yet the unschooled rose to be admirals, like Farragut; inventors, like Edison; captains of industry, like Carnegie and Rockefeller; writers, like Melville and Twain and Conrad; and even scholars, like Margaret Mead. In fact, until pretty recently people who reached the age of thirteen weren't looked upon as children at all. Ariel Durant, who co-wrote an enormous, and very good, multivolume history of the world with her husband, Will, was happily married at fifteen, and who could reasonably claim that Ariel Durant was an uneducated person? Unschooled, perhaps, but not uneducated.
We have been taught (that is, schooled) in this country to think of "success" as synonymous with, or at least dependent upon, "schooling," but historically that isn't true in either an intellectual or a financial sense. And plenty of people throughout the world today find a way to educate themselves without resorting to a system of compulsory secondary schools that all too often resemble prisons. Why, then, do Americans confuse education with just such a system? What exactly is the purpose of our public schools?
Mass schooling of a compulsory nature really got its teeth into the United States between 1905 and 1915, though it was conceived of much earlier and pushed for throughout most of the nineteenth century. The reason given for this enormous upheaval of family life and cultural traditions was, roughly speaking, threefold:
1) To make good people.
2) To make good citizens.
3) To make each person his or her personal best.
These goals are still trotted out today on a regular basis, and most of us accept them in one form or another as a decent definition of public education's mission, however short schools actually fall in achieving them. But we are dead wrong. Compounding our error is the fact that the national literature holds numerous and surprisingly consistent statements of compulsory schooling's true purpose. We have, for example, the great H. L. Mencken, who wrote in The American Mercury for April 1924 that the aim of public education is not 
to fill the young of the species with knowledge and awaken their intelligence. . . . Nothing could be further from the truth. The aim.. . is simply to reduce as many individuals as possible to the same safe level, to breed and train a standardized citizenry, to put down dissent and originality. That is its aim in the United States . . . and that is its aim everywhere else. 
Because of Mencken's reputation as a satirist, we might be tempted to dismiss this passage as a bit of hyperbolic sarcasm. His article, however, goes on to trace the template for our own educational system back to the now vanished, though never to be forgotten, military state of Prussia. And although he was certainly aware of the irony that we had recently been at war with Germany, the heir to Prussian thought and culture, Mencken was being perfectly serious here. Our educational system really is Prussian in origin, and that really is cause for concern.
The odd fact of a Prussian provenance for our schools pops up again and again once you know to look for it. William James alluded to it many times at the turn of the century. Orestes Brownson, the hero of Christopher Lasch's 1991 book, The True and Only Heaven, was publicly denouncing the Prussianization of American schools back in the 1840s. Horace Mann's "Seventh Annual Report" to the Massachusetts State Board of Education in 1843 is essentially a paean to the land of Frederick the Great and a call for its schooling to be brought here. That Prussian culture loomed large in America is hardly surprising, given our early association with that utopian state. A Prussian served as Washington's aide during the Revolutionary War, and so many German- speaking people had settled here by 1795 that Congress considered publishing a German-language edition of the federal laws. But what shocks is that we should so eagerly have adopted one of the very worst aspects of Prussian culture: an educational system deliberately designed to produce mediocre intellects, to hamstring the inner life, to deny students appreciable leadership skills, and to ensure docile and incomplete citizens - all in order to render the populace "manageable." LINK TO ORIGINAL ARTICLE

Wednesday, December 24, 2014

MERRY CHRISTMAS ! С Рождеством!

Now that we have some of the "crazy" behind us, let us return to our families and count our blessings.

Теперь у нас есть некоторые "сумасшедшие" позади нас, давайте вернемся к нашим семьям и рассчитывать свои благословения.

From EAST to WEST, across our Planet Earth, may we give thanks for out Blessings including Family.
С востока на запад, через наша планета Земля, мы можем благодарить ибо из благословения в том числе семьи.
        
Великий учитель помог мне научиться этому. Я надеюсь, вам понравится.               
  A great  teacher helped me learn  this.       I hope you enjoy it. 
https://www.youtube.com/watch?v=p7BERjImVCo
May Peace and  your hopes for Christmas and the New Year come true for you !
 
Великий учитель помог мне научиться этому. Я надеюсь, вам понравится.

Thursday, December 18, 2014

A CHRISTMAS CAROL or NIGHTMARE ON WALL ST. ? Рождественская песнь в прозе или Кошмар на Уолл-стрит . ?

You note the Russian translation in Cyrillic, here.  The Russian people have suffered as we under the yoke of Anglo Banking Cartel (ABC), maybe even more than we, and since I have a large number of Russian readers I translate this for them so they know we understand their plight as well.

     Вы обратите внимание, русский перевод в кириллице , здесь. Русские люди пострадали , как мы под игом англо банковский картель ( ABC ) , может быть, даже больше, чем мы, и поскольку у меня есть большое количество российских читателей я перевожу это для них , чтобы они знали мы понимаем их тяжелое положение , а также.

In the simplest terms the chart below shows IN Spite of Cartel Efforts to Surpress the REAL PRICE of Gold, they have only managed to hold down the price of Gold PAPER Contracts. The Chart shows that the Gold Miners stop going down and turn around. THIS IS A NIGHTMARE FOR Wall St. manipulators, as it shows that FUNDAMENTAL TRENDS WILL Rule. Be aware that this time
Last year, the Rally that carried many through to the month of JUNE, Started 1 year go this time.


      В простейшем видесхема ниже показывает, несмотря на Cartel Усилия по Surpress реальная цена золота , они только удалось удерживать цену контрактов золотой бумаги . График показывает, что горняки Золотые перестать ходить вниз и развернуться . ЭТОКОШМАР ДЛЯ Уолл-Стрит манипуляторов , как показывает , что основные тенденции правило. Помните, что это время
В прошлом году ,Rally , что осуществляется многие до июня месяца , работы 1 год перейти на этот раз                                                                



Tuesday, December 16, 2014

How the KRIMEX Lies about the Gold Price


  Lets look at the REAL DELIVERABLE GOLD PRICE  1477 in Canadian Dollars. 

 U$D 1270 !

Just your basic bald-faced lie, listing Spot Gold @ U$D 1195.  Painting a picture.

These guys think they are Picasso's but really are Paint-By-Number trolls.

Even overlaying the KRIMEX on a chart, brings out the Real Price About  $ 1237.

KRIMEX OUT-RIGHT LIES.

Here is the chart to illustrate that:

Saturday, December 13, 2014

LETS look at the REAL GOLD PRICE, not the picture the KRIMEX PAINTS


This one need a currency adjustment but my point here is simple.  KRIMEX paints a BS picture, depending on YOU to accept that as the REAL price, when it is a FRAUD based on PAPER.
Go anywhere you want, and subtract the "COIN" Premium and find GOLD PRICE !!

MNT is the Royal Canadian Mint Gold Inventory Reserve.  They were slick, spun off their inventory into these REDEEMABLE ETR's, reduced their risk and carrying cost to ZERO for producing coins.
This is the price of real gold you can load into your Brinks truck when you pick up at the Mint, 220 Sussex, in Ottawa.  THIS IS GOLD.   krimex is NOT.

Thursday, December 11, 2014

Chart you need NOW ! GIMBO - Gold Index Miner Breadth Oscillator // График вам сейчас нужно ! GIMBO - Золото Индекс Шахтер Ширина Осциллятор

GIMBO is looking like it is finding a bottom.   Today all the crazy is that KRIMEX now says the most Gold Can rise is 33% in one day, before their System shuts down.  Gee, is KRIMEX worried.
This takes effect on Dec 21, 2014.  So what does it mean ? It means they are SCARED !

Top panel is the slow and fast moving average's of 90 days worth of Advances minus(-)Declines.
The bottom panel is the slow and fast moving averages of the Trend.  Top and bottom lines on both charts apply.  As the lines approach those zones, they like to turn back around.


GIMBO ищет, как это находит дна. Сегодня все с ума, что KRIMEX теперь говорит, самых золото может подняться на 33% в течение одного дня, прежде чем их система отключается. Ну и дела, это KRIMEX беспокоит.
Это вступает в силу 21 дек 2014 Итак, что же это значит? Это означает, что они боятся!

Верхняя панель является медленной и быстрой скользящих средних-х 90 дней стоит Достижения минус (-) снижается.
Нижняя панель медленные и быстрые скользящие средние тенденции. Верхняя и нижняя линии на обоих графиках применяются. Как линии подойти те зоны, они любят, чтобы повернуть назад вокруг.

NEWS YOU CAN USE while it is still useful


CHARTS U NEED NOW      Book mark that, they are automatically updated


   The 5,000 Largest Cap Stocks.  Just gave a Sell Signal


             People are running away from Bonds, into GOLD



Tuesday, December 9, 2014

The 3 Grinches Steal Christmas



This is a fictional  by-line I would not be surprised to see just before Christmas, like real life imitating fiction.

    This may resemble some people in real life.  You decide what to think.  I know I was angry to find out there is a JPM VP with my exact name.  Bad Karma dude, BAD KARMA.

DECEMBER 17, 2014, the story as I wrote it


The 3 Grinch that stole Xmas.
Why were they flying upside down ?

DECEMBER 14, 2014

I think it was the pilot from Colorado brought the brownies in his kit. No it was really not marijuana related.  Really.
It was an auroral storm of the century, that brought them down trashing their instruments, in the middle of a 12 hour white out left them flying blind, and upside down, the wrong way into the West Flank of Mt.Elbert, where no one knew to look for them. Their instruments must have been trashed by the storm as the black box showed them impacting the mountain, upside down, at 550 knots. There was not much in the way of big pieces left, nothing bigger than a laptop case.

Those who knew the damage these Grinches caused, cared not if they crashed and burnt,and
this report made the news then disappeared. Others may have been relieved at these Assisted Banker Suicides. I was ashamed to realize one of the JPM VP's that died had my exact name,I later learned from the State Police Report, which is no longer available to the public. I only got my copy when they assumed I was related. I am NOT.
Apparently they thought they could steal this Christmas from the Rest of the World, as members of the ABC (Anglo Banking Cartel). As befit their role as Kings of the World, they were flying a refurbed luxury Bizliner BC – 605(there was not that much of it left) right into the highest spot in the San Isabel Natl' Forest. Overdue on their filed flight plan from Chicago to Honolulu for a meeting with a consortium of asian financial entities, their last radar contact was from Denver 12 minutes before they dropped of the 'scope. Despite 27 days of intensive searches, part of the tail was only spotted by a heli-skier at about 10,000 feet, after it slide into a steep crevasse that did not allow any locator signals out. The heli-ski bird, an AS350B3 used every one of its 850 gas-turbine horses to pull out of that valley after setting to check for survivors in what was one of the worst days STEMCO Helicopters had that week. Once safely back they contacted DIA, Denver and gave them the GPS coordinates the pilot had MOB'd. The pilot was questioned by NTSB but not the skier, who according to the pilot “never saw anything”, sleeping on the way back from the weather aborted downhill run. All signs of the visit were erased by another 2 feet of snow and 60 MPH mountain gales.

The baggage compartment had sheared off dropping two armored aluminum cases next to it as it stuck up in sight, after the body of the plane slide into the crevasse, after scattering notebook sized pieces thru the conifer forest. Finding no survivors after 30 days at 11,000 feet, the heli-skiier scooped the two cases and skytailed it back to the Leadville Airport not suspecting the value of the documents that fell out of the one case as he lifted it. There were 3 copies of document packages, probably about 100 pages each, unsigned as they were, titled “Multilateral Reduction of Derivative Instruments” , seemingly held by those about to receive ownership of “certain assets whose ID numbers accompany this manifest”. It seemed a little sketchy until the finder realized that the “certain assets” were housed at 33 Liberty St. New York, NY, 10045,were in the custody and vaults of the NY Federal Reserve Bank, perhaps the same place the National Gold Reserve was housed. I never got to know what was in the 2nd case, I only know it was confiscated by the NTSB investigators, and when the pilot asked about it, they denied it existed.
Grinch #2 probably brought   the documents from the asset origin, and Grinch #3 had been the representative “The City” of London, I'd be guessing here, a Barky guy or BOE. We will never know as what body parts were found, were scavenged beyond recognition by 30 days of exposure to foxes and ravens

How K-HOW Radio happened to break this story is because I used to write some ETF columns the skier had used 10 yrs previous and he trusted me with the documents. Long story short, I talked to a guy who talked to a guy and the story was on its way into the wider world. Hell broke loose when the documents were published on the Internet. Although they disappeared within a day or two, apparently they were downloaded by a bunch of folks who later made it possible to disseminate them globally, and kept popping up on the 'Net faster then they could be removed. Apparently, the assets in question were gold bars in the basement of the NY FED, and the first lynching cries came from Germany that was waiting for its gold to go back to Germany, promised by the FED and guaranteed by the US Gvt. Word had it the Belgians were in line as well, and rumor had it that the gold bars in this list had been sold over and over and over again, with these same Bar numbers in multiple Reserve Asset Inventory lists throughout the globe. Financial writers the planet over had published this list of Bar numbers and apparently in the last three days, multiple supposed owners had come forward with their own lists, claiming ownership in multiple overlapping and conflicting claims.

I am not sure the NY FED's non-denial denials helped, claiming they had those gold bars in custody, and saying nothing else, which seemed to me to be an implied confession that they did not want to confess to selling them over and over again, knowing full well they had. A financial firestorm had enveloped the global exchanges, the volatility skyrocketing over missile-rattling threats of nuclear powers, apparently to obliterate the financial news and dampen the financial firestorm, which had only resulted in MORE volatile markets.

The Yen Carry trade blew up because the US DOLLAR had skyrocketed and bankrupted several big counter-party traders, and the Yen firmed as the physical gold market tripled in volume, and traded erratically whilst the COMEX trade slowed to a trickle except for midnite dumps by large entities, which damped the $100 price spikes that seemed to happen late in the day. Russia, several other oil producers defaulted along with almost every 2nd Tier over-financed Shale producer. Interest rates for all currencies were ramping, based on the fear of holding paper, as well as the Euro tanking. Russia reverted to a Gold Ruble, exchanging their Gold Bonds $100 par at 17 to 1 externally and 21 to 1 internally and demanding payment for oil in gold or rubles. They also reserve the right to flexibly revalue the Ruble up or down
As the US Dollar ramped, more and more bankruptcies sprouted like mushrooms as the accompanying deflation made it harder for everyone to pay their debts and US Foreign Exports dropped with every basis point the dollar rose.
Yes those 3 grinches and all that they represented, ruined Christmas 2014. They ruined Christmas 2015 for all the Anglo Banking Cartel, and all the profiteers and sellers of Sub Prime, Mortgages, Car Loan and Student Debt, not to mention every major political power broker in the West. Virtually all the opposition parties have called new elections with votes of NO CONFIDENCE, and impeachment proceedings. Except Russia. Apparently Putin had warned the West was about to sell the whole world in to slavery like this, and now smiles like the Cheshire Cat when asked about it and answers Bez kommentariyev”(no comment).
People ask, rightly, what good is 39 cent gasoline when we lose our houses, our jobs?
I guess the Heavens (aurora) brought some good fortune and others ruin. Ever was it so.

Happy ending? No, I think not. A lot of us are going to continue eating dirt from all the negative financial fallout that came with this debt and currency explosion. Gold standard ? No we have a ruble standard now. Apparently a de facto “full faith and credit” exchange is now occurring between Russia and China, so the yuan has gained equal standing with the “floating gold ruble” exchange. Germany is linked by trade and taking part in this as well. The Comex trading is very sporadic via-a-vis gold and silver contracts and the Asian Physically Settled Exchanges are now the standard mechanism for price discovery.
The Bad news ? Things are about the same as they were. The Good News ? Things have STOPPED getting worse and the domestic opposition, globally has distracted certain governments from their missile-rattling.

So Today, Jan 17, 2015 that's where this stands a month after the Christmas the Grinches stole,  2014.

 We are not out of the woods but we can see the mountains from here.


Приветствуйте ! Для наших российских читателей :
От всех нас, для всех вас, может у вас естьрадостное Рождество и процветания в Новом Году. Это мое намерение всегда разделяют самые новые и самые честные из Infomation с вами все наше благосостояние .

     Понять , как и я , что ни один из народов , которых я знаю , никто не хочет войны , потому что этосумасшедшая идея политиков, которые диктуют сумасшедшие политики для нас. Держите сильный молиться за мир для будущих поколений, мы молимся за это для вас также.
Privetstvuyte ! Dlya nashikh rossiyskikh chitateley :
Ot vsekh nas, dlya vsekh vas, mozhet u vas yest' radostnoye Rozhdestvo i protsvetaniya v Novom Godu. Eto moye namereniye vsegda razdelyayut samyye novyye i samyye chestnyye iz Infomation s vami vse nashe blagosostoyaniye .

     Ponyat' , kak i ya , chto ni odin iz narodov , kotorykh ya znayu , nikto ne khochet voyny , potomu chto eto sumasshedshaya ideya politikov, kotoryye diktuyut sumasshedshiye politiki dlya nas. Derzhite sil'nyy molit'sya za mir dlya budushchikh pokoleniy, my molimsya za eto dlya vas takzhe.

                The above message is in Russian for our readers in Russia and Ukraine that outnumber our readers in the USA, Canada and UK.  Why this is so, is unknown to me except for the uncertain times we all face.    The original English text is below:

    Salute ! To our Russian readers:
From all of us, to all of you, may you have a joyous Christmas and prosperity in the New Year.  It is my intention to always share the newest and most honest of information with you, for all our welfare.

     Understand as I do, that none of the peoples I know, no one wants war, for that is the crazy idea of politicians who dictate crazy policies for us.  Hold strong, pray for peace for future generations as we pray for this for you as well"  


Thursday, December 4, 2014

LET THE GOOD TIMES ROLL !! 39 CENT GASOLINE, a cautionary tale (do the math)


   39 cent Gasoline, man that is GREAT !  Ain't it ??

It was sad at today's Update Webinar to hear these esteemed TA market guys falling all over themselves, whistling past the graveyard so they didn't have to call what the markets were doing as Rolling over in to a DownTrend.
OMG, did I let that Awful world DOWNTREND see daylight.......? Oh NO ! Sad, these guys are SO mainstream paradigm that you could hear them tremble. Damn shame, another place, another time, you'd pub up with them for a beer. Now however they are just apologists trying to save their salaries. Investors don't buy their services when they are not outright bullish. I mean I cannot even get educated astute business people to execute a Sell STOP after their Limit gets violated, that is how brain-washed people are.

Anything your reading indicate that we are on the verge of an all-out Bull market ? Ah yes Martin Armstrong, DJIA 40,000, yes I read him today. I hold my friends close, my enemies closer. Possible, indeed for the picture how he paints it. We have Facebook with a 70 PE, so that means at 40,000 DJ, keeping with the Dow Jones, FB will have a PE of 175. OH I am OK with that !! NOT !!

I mean won't the Good Times Be Rollin'? Everyone riding their Kawasaki ?

At this current rate of descent, Gasoline will be 39 cent a Gallon, right. No problem. Your mortgage will have reset by then, twice, the second pushed it to 6%, that great loan for $450,00 1 % Interest Teaser to start, by Qwickken. So now before Reset #1, you had put $50K down, and your payment was manageable at U$D 1040 @ mo. Upon Reset #1, they maxxed it to the 2% climb and you were @ 3%. Lucky for you, Reset # 1 only took you to $1535 @ mo. Of course you had to requalify to make sure you didnt get slapped with extra basis points for a change in your credit status. Whoo that was close. Now your eldest daughter, had to take full time work to add to the 2 incomes already paying your mortgage. Before, the taxes were almost as much as the mortgage @ 950 a month. By now they were 1200 a mo. The killer was Reset #2. Four years later your daughter was still at home working, working days and playing her band nites, when Reset #2 hit you whacking you with enuf basis points to drive the rate to 6%, and the base amount of the mortgage monthly to $2260.
Add in that taxes in at that time were only $1340, and it was $3500 a mo, Mortgage payment and taxes, $3500 a mo, and the insurance didn't go up, only 140 @ mo, since you were now finally in the black, the house value being 460,000 and you were down to owning only $430,000. Damn your doing good 'hoss, you have been making just under a hundred grand family income, spending just under that magic 35% on housing, not including the utilities which seemed to go up all by themselves. That was the good news. Valued work partner that you are, all you need is a 30% raise to stay below 33% of family income for housing expense. Due to de-flation, there has been no raises at work for 3 yrs. MAGIC, your housing expense BEFORE maintenance is now 44%, which is gonna ad a min of 10%. 39 cent Gasoline? WOW! Your housing expense is over half your income!

Better than that, the DJ just topped 38,000, and your mutual funds are up 8%. All 15K of them. The other half is in the Protected US Treasury fund, paying 3% in E style bonds. You doing good Boss. You still got a job. Ya know the jobless rate is now under 5%, but as tight as the job market is for Admin professionals, you cant get a bite on your resume ? Seems funny everything is sooo good, why the hell does it feel so BAD ?
We all knew when we got our degrees, that Easy Street was up there at
$50,000 a year. Then they moved the street. You and your wife had one helluva work ethic. Raised two sons, and a daughter, good kids made something of themselves. Jack, US Army served 3 tours in two 'Stans, has two kids, struggles at times with some crap he got overseas. Teresa his wife works full time to keep it together for them. Jack tried to tell Billy not to go Army so he went SEALS, and we haven't heard from him since last Christmas. Hope he is OK. Annie, a really ambitious girl, has both music and accounting, works locally and has her own band. Kid is a fireball just like her mom. Damn, gasoline is 39 cents a gallon, the Dow is 38,000, and my new pickup just cost me short of 50K with the promo credits, 65K with the interest when I pay it off. With the new truck and other fixed expenses we are spending 125% of our income and I am not even buying Starbucks. What is wrong ? I know I should be paying down my consumer debt at 15% of income a year but instead it's going up 27K last year. Counting the cars, truck, credit cards and lines of credit I am in debt to 155% of my annual BEFORE Tax income. What is wrong ? I mean gas is only 39 cents a gallon?

Am I upset ? You bet your donkey / burro I am. Used to be we'd go out for dinner at a family resturant, say Chili's for $100 including tip for the three of us.
That was once a week. Now maybe once a month. Used to stop at Timmies with the gang after church for lunch. Now its coffee. ONLY.
Gotta hand it to those two girls, Julie my darlin wife and her double Annie.
Since they took over the finances I never seen so many credit card companies baffled how to get their hooks into us. I can't believe they can double shuffle those guys so bad the most they can get out of us 2 payments every 3 or 4 months. We could make only minimum payments so we'd take 170 years to pay it off, to what end. They even conned one Credit Co to give free credit life for me, for 2 yrs. They guy the could not scam served me with papers for State Claims court for our boat that was repossessed 2 yrs ago. Now we got a $45,000 lien against the house, which I regret. I regret not having the boat for our times together, but again the boys are out of the house.......I know its gonna be tough to pay it off, might just wait till I sell out here if I can. I think I am getting tired of this. I'd sure like the get the hell off this credit merry-go-round and give my family a little peace and security, and NO, Annie is not going into the Air Force. Should be some better jobs for her out there, can't say she isn't trying. At least I got my family............
How you doin'? Am I nuts? I sure feel crazy. Easy Street was right over there somewhere, but I seem to be lost.......39 Cent Gasoline anyone ??

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