CNEZ

Issues & Solutions

* The Housing Bubble!

* The American Middle Class Is and endangered species !

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The Housing Bubble

Salaries and rents prove that prices will keep falling for a long time. Anyone who bought a “bargain” this time last year is already sitting on a very painful loss.

it costs twice as much to borrow the money as it does to borrow the house. Renters win and owners lose! Worse, total owner costs including taxes, maintenance, and insurance come to about 9% of purchase price, which is three times the cost of renting and wipes out any income tax benefit. Buying a house is still a very bad deal in the richer neighborhoods, but it does make sense to buy in some relatively poor neighborhoods where prices have already fallen into line with salaries and rents. Check whether you should rent or buy in your own area with this NY Times calculator.

http://www.nytimes.com/interactive/business/buy-rent-calculator.html?ref=patrick.net

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The American Middle Class and endangered speices

There are strong forces propelling “Middle Class” America into Poor America. It is no secret that the solid financial structure once held by working families (U.S. Middle Class) is slowly dwindling as if the foundation was built upon wet sand.

Research shows that more and more middle class

Americans are losing their socioeconomic status.

Just as we have transitioned from the industrial age to the information age, a much bigger transition is upon us. We will soon be in the land of the “Rich” and the “Poor”, the “Haves” and the “Have Nots”! Evaluating the subject of the United States unemployment is alarming for many.

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” Health & Nutrition “

Super Foods That Better Your Health

Here are 12 Super foods that, if eaten on a regular basis, will do wonders for your health.

2 foods that you should be eating on a regular basis. All have their own unique health benefits and if you mold your diet around the majority of these foods, you’ll notice an improvement in your health.

The list is as follows:

1. Almonds and other nuts- a great source of good fat.

2. Beans and legumes- a great source of fiber and protein.

3. Spinach and other green vegetables- a great source of phytonutrients and antioxidants.

4. Low-fat dairy- a great source of calcium and protein.

5. Oatmeal- a great source of fiber and protein.

6. Eggs- a great source of vitamin E and protein.

7. Turkey and other lean meats- a great source of protein.

8. Natural peanut butter- yes, this can be included under #1, but natural peanut butter makes eating nuts easier because you can spread it on wheat bread, bananas, celery, etc.

9. Olive oil- a great source of good fat.

10. Whole-grain breads and cereals- a great source of fiber.

11. Extra protein- a great source of protein!

12. Raspberries and other berries- a great source of antioxidants.

All 12 foods above have a high nutritional value and should be incorporated into your daily snacks and meals.

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Places Online To Find Something To Do

  • Craigslist.   The grand daddy of all websites to help you get out of the house.  Classes? Check. Events? Check. Just friends? Check. More than friends? No problem.  I use Craigslist all the time – my favorite sections to post are “strictly platonic” when I’m looking for tennis and hiking buddies, and in the “musicians” section when looking for fellow band mates.  Whatever you’re looking for, Craigslist has you covered.  I’ve even made friends with people after purchasing used tennis rackets and guitars, and some of my best friends have been random people I’ve met on Craigslist.  I have friends in different cities through Craigslist to this day – some of whom I met as many as seven years ago!
  • Meetup.  Meetup is awesome – they have well organized events, you can see who is attending, and you will often see the same regulars at event after event so you can build a relationship.  I’m involved in about a dozen Meetup groups, although I don’t attend many events – but I love being able to see what’s being planned and having the option of attending. Many cities have dedicated “New In Town” Meetup groups, and whenever I’ve attended I’ve found them to be welcoming – and a great place to meet people when I’ve first arrived.
  • Twtvite.   A relative newcomer, Twtvite uses Twitter to publicize events and RSVPs.  You don’t even need a Twitter account to use it, you can  just show up – but you’ll want to get on Twitter so you can keep in touch with all the cool people you meet.  Just go to the site to see what’s being organized in your town and to see who’s attending.  As I was writing this I went to check it out and found an event one of my friends was organizing,  that 30 people are attending.  Instant things to do, instant Twitter followers and instant new real life friends.
  • Myspace Shows. I love discovering new music, so whenever I move to a new city, this is one of the first sites I pull up. Not only does it help me find local music, it also helps me meet people, because I can find people at the concerts that likely are similar to me.  If nothing else, the people I meet have the same taste in music. It also gives me an excuse to check out bars I may not normally visit. One night when I was living in Maui, I had nothing to do so I found an acoustic musician playing a solo show in a tiny little bar in Kihei.  I decided to check it out, and I was blown away.  He was amazing, and since then we’ve remained good friends – and I’ve introduced many of my friends to his music.  I also check out Ticketmaster since they tend to have lots of concerts listed as well, but generally not as many as Myspace Shows – and I also have a harder time meeting people at large concerts compared to smaller local shows.
  • Metromix.  A  great source for club parties and local bar events, Metromix is slick and polished.  They have lots of pictures and information about the venues, so you can make a decision about where to spend your evening.  The downside is they tend to be focused on nightlife, so you may have a harder time finding daytime events.

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“Gas  Pump $ Saving Tips”
Only buy or fill up your car or truck in the early  morning when the ground  temperature is still cold.
Remember that all service  stations have their  storage tanks buried below ground.
The colder the  ground the more dense the  gasoline, when it gets warmer gasoline expands, so when buying in the  afternoon or in the evening….your gallon is not  exactly a gallon.
In the  petroleum business, the specific gravity and the  temperature of the  gasoline, diesel and jet fuel, ethanol and other  petroleum products plays an  important role.
A one degree rise in temperature is a big deal for this  business. But the service stations do not have temperature compensation at  the pumps.
When you’re filling up do not squeeze the trigger of the nozzle to a fast
mode. If you look you will see that the trigger has three (3)stages: low,
middle, and high. In slow mode you should be pumping on low speed, thereby
minimizing the vapors that are created while you are pumping.
All hoses at the pump have a vapor return. If you are pumping on
the fast rate, some other liquid that goes to your tank becomes vapor.
Those vapors are being sucked up and back into the underground storage tank
so you’re getting less worth for your money.
One of the most important tips is to fill up when your gas tank is HALF  FULL or HALF EMPTY.
The reason for this is the more gas you have in your tank, the less air occupies its empty space. Gasoline evaporates faster than you can imagine.
Gasoline storage tanks have an internal floating roof.
This roof serves as zero clearance between the gas and the atmosphere, so it
minimizes the evaporation. Unlike service stations, here where I work, every
truck that we load is temperature compensated so that every gallon is
actually the exact amount.
Another reminder, if there is a gasoline truck pumping into the storage
tanks when you stop to buy gas, DO NOT fill up!
Most likely the gasoline is being stirred up as the gas is being delivered, and
you might pick up some of the dirt that normally settles on the bottom.
Hope this will help you get the most value for your money.
PLEASE SHARE THESE TIPS WITH OTHERS!
WHERE TO BUY USA GAS.  THIS IS VERY IMPORTANT TO KNOW.
READ ON……….
Gas rationing in the 80′s worked, even though we grumbled about it.
It might even be good for us!
The Saudis are boycotting American goods.
We should return the favor.
An interesting thought is to boycott their GAS.
Every time you fill up the car, you can avoid putting more
money into the coffers of Saudi Arabia. Just buy from gas companies that don’t
import their oil from the Saudis. Nothing is more frustrating than the
feeling that every time I fill-up the tank, I am sending my money to people
who are trying to kill me, my family, and my friends.
I thought it might be interesting for you to know which oil companies are the best to buy gas from, and which major companies import Middle Eastern oil.
These companies import Middle Eastern oil:
Shell…………………….. 205,742,000 barrels
Che vron/Texaco…….. 144,332,000 barrels
Exxon/Mobil…………… 130,082,000 barrels
Marathon/Speedway… 117,740,000 barrels
Amoco……………………….62,231,000 barrels
Citgo gas is from South America, from a Dictator who hates Americans.
If you do the math at $30/barrel, these imports amount to
over $18 BILLION! (oil is now $90 – $100 a barrel)
Here are some large companies that do not import
Middle Eastern oil:
Sunoco………………0 barrels
Conoco………………0 barrels
Sinclair………………0 barrels
BP/Phillips………….0 barrels
Hess………………….0 barrels
ARC0…………………0 barrels
If you go to Sunoco.com ( http://sunoco.com/ ) , you
will get a list of the station locations near you. All of this information
is available from the Department of Energy and each is required to state
where they get their oil and how much they are importing.

DO SHARE THESE TIPS WITH OTHERS!

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Does your boss want you dead?

‘Dead peasants’ insurance pays your employer a secret, tax-free windfall when you die. Insurers have sold millions of policies to companies such as Dow Chemical.

http://moneycentral.msn.com/content/Insurance/P64954.asp

Does your boss want you dead? – MSN Money
moneycentral.msn.com
‘Dead peasants’ insurance pays your employer a secret, tax-free windfall when you die. Insurers have sold millions of policies to companies such as Dow Chemical.

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Clear Out Your Inbox Every Day

Beat e-mail overload once and for all by emptying your inbox completely–and keeping it that way. The “Inbox Zero” philosophy says that e-mail messages are just calls to action–not clutter that we need to hang on to. Create three folders or labels in your e-mail client: Action, Later, and Archive. Each day when you check your e-mail, make a decision and do something with every new message you’ve received until you’ve moved them all out of your inbox and reduced your message count down to zero. Ruthlessly delete the messages you don’t need, on the spot. Respond to the ones that will take under 2 minutes. File messages that you want to keep for future reference in the Archive folder, those that will take longer than 2 minutes to reply to in Action (and add those to-do items to your list), and messages you need to follow up on at a subsequent date (such as Amazon shipment notifications) in Later. Then breathe a sigh of relief when you see that glorious declaration: ‘You have no new mail.’

http://inboxzero.com/

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Never Forget a Birthday, Teeth Cleaning, or Oil Change Again

E-mail reminders; click to view full-size image.When you’re tired of scrambling to send Mom flowers at the last minute every year, set up a scheduled e-mail reminder for her birthday–and for any other long-term recurring tasks. Google Calendar can send upcoming-event alerts via SMS (“Pick up the dry cleaning at 3 p.m. today”) or e-mail (“Schedule a hair appointment; it’s been six weeks!”). Most Web-based calendars (like Google Calendar) and task managers (like Remember the Milk), as well as Web sites such as HassleMe and Sandy, support e-mail alerts.

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About cn1

Hi You have finally stumbled upon my page, I'm a guy from Mount Vernon, New York, I enjoy Many things Such As Open source Computing, networking, music, fitness, nutrition
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One Response to CNEZ

  1. Check this out
    Dreams seldom materialize on their own.

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