Giving Up

So, here I am writing again…sometimes I look at the amount of things I have on my plate and believe me I sometimes think it would be best to start letting go of some of them, but I guess the adventures and hopeful person in me believes that things will eventually come my way.

Yah, I have a online business that is making some money, of course would I be happier and sleep a bit easier if the money was at least double, and talking double in my case is 1000 buckaroos a month…yah nothing that will allow me to quick my day job, but I am diligently plugging away hoping for a better tomorrow.

Now, I may sound like I am complaining, but I guess with age sometimes things start clearing up a little, and your body starts to give you some indications to –Slow Down- but I guess if anyone had the opportunity to work hard for say 10 years of their lives and know that they will be ok after that…I am sure many of us if not all of us would jump on the opportunity, but things don’t come so ct and dry do they…they always have catches, turns, bumps or whatever else it wants to throw at us and most of us actually don’t give up and push through, but believe me you and me…I wish I could simply throw my hands up in the air and scream and run away…far.

I guess having a family or better said having other that count on you to survive makes a huge difference whether you push on or give up and well…I just know that sometimes it hard to swallow and doing so…hurts. But, one thing I do enjoy is that with the internet being so accessible to most everyone, many people can share their ideas, experience and thoughts. One of the things I am glad I could share is my vast attempts in trying all sorts of business and marketing methods out there. Yah, I could honestly say that I have tried a lot of things out there…the thing is that over the years individuals try and change the name of it but when you get into it..it is the same useless opportunity. So, even though I am not rich, but I am making 300-500 dollars a month extra and ding it with simple marketing methods that are out of reach for many and I don’t have others try and do what I do and then get charged for it…simple methods and simple income. Of course I know that if I double one or two of the marketing I do…I am sure to see increase in the income coming in.

Funny I mentioned this, because just April 6 of 2011 I actually increased my Ad center Pay Per clicks by nearly double…not quite so, I’ll see if the theory works…if it does…I will most definitely write about it in my blog. I will give it about three months and see.

Anyhow, back to the giving up thingy. Yah, well, I guess if you burn the candle at both ends it could eventually burn you, but let’s see if we or I can slow down the burning processes up until I can build enough residual income that I can actually quit my day job and concentrate on the online businesses…and with that get them to the point where when I do decide to retire I can do so knowing that the money will keep on coming in, of course it will always take some maintenance and retirement doesn’t mean having to sit on your ass all day…or travel to every corner of the world…yah it would be nice to see or visit places, but in order to keep that going we need to keep our feet on the ground and at least maintain the business that is providing these things…so I am sure I will still keep an eye on the business even after retirement…but in the meantime…things sometimes get tough and like I said I wish I could simply run away.

Well thanks for reading and for coming back, one thing for certain is that I will always blog even in my retirement because sharing my experiences or thoughts might just help someone out there or maybe my story will relate to them. For now, maybe just screaming a little would be fine, but come back and keep pushing forward…we can do it.

Till next time Latino Man signing off, may your 2011 be one filled with greatness.

The Health of the US and other Countries

You know I am in the Real Estate business, and I have seen, well I am sure we have all seeing, how the market in regards to Real Estate is faltering. Yah…it’s a great time for all cash out investors or buyers looking for bargains, but even with cash out…it seems that closing a deal, honestly, still seems to drag on and on. With that said, I wanted to share some things I have been reading and of course just give my opinion on the matter.
The economy fluctuates in line with what the Media reports, not really what the DOW index illustrates or what the feds might do or not do. That’s my opinion, yah the feds might increase or decrease the Interest rate, yah the DOW Jones dropped 200 points or goes up 200 points, or maybe the dollar goes weaker or stronger, but when the news media hypes up little news, maybe, actually they blow it up out of proportion, then the market reacts…and people then react. But you know, what I see is a lot of young folks, not really aware of what is going on, seriously…maybe their approach is to ride this out and not let them affect them, but when they loose their job and they can’t find something quick enough, what then, does it become an issue then. Do they begin to pay attention to the news, the media, and the economy and wonder why they can’t find a job or why the cost of milk suddenly went up 0.50 cents or more?

It’s sad to see, I seriously try not to let it affect me, but I do have to keep up with the information and news flashes, but I do not have to buy into all the hype, just get the information I need to make solid decisions. And maybe because I have a family that might be another reason I am so vigilant on what is going on. I mean I have to consider my children and their welfare for their future. I can’t have the little I have saved for them disappear into a void or something. I need to make decision to move investments around to support a growth. Yah, growth you say, there is still some growth, just need to look for it, whether it is an international investment or a safe investment of 1.75 or more percent return…hey something is better than loosing. I know many of us are looking for that 6 to 12% return, but we need o be vigilant about it. I am sure many of you have your stories to tell, the hardships, the success you might be encountering, am sure there are also many out there that don’t really bother keeping up and pretty much take each day as it comes and deal with it one thing at a time. But for some of us, we like to be prepared for the future, many of us do look forward to retirement and leaving something for our children, you know even if it is small, but something that could help them along once they complete school. Oh yah and don’t get me started on the whole higher education costs, that’s something many of us are dealing with or will be dealing with…how do we prepare for that? Vigilant, look, read but don’t read too much into it, get the information you need to make solid decision or at least some type of decision.

Indicators state that foreclosures are on the rise again, that States are falling behind and actions are needed to make things flow, sometimes those actions are not welcome by individuals, and sometimes decisions are hard to make, especially in today’s economy, but what would help if these steps, by our government are not taken? What can be done…we all seems to have a solution, but if you look really into your solutions would it really help, or would it simply divert the issue out for a longer time or towards another group of individuals…I mean…we all can offer solutions…but when it is done and said…hard decisions will have to be made.
I guess this topic could lead into a book about the United States Economic crash of the 2000’s and a conversation that cold potentially be endless…geez. Can you see it?

My Perspective:
This topic; our economy; the health of the United States and of many other countries is in the public eye. We need to all listen, watch and keep up with what is going on around us, simply because it does affect you in someway, maybe not now and hopefully never, but the people, friends, family around you…are affected…and somehow that could lead right back to you. So, keep watching, listen and I wish everyone the best and just hang in there…we are an incredible species, we are resilient, innovative, and strong…we will make it through and better days will once again be upon us, but hopefully with this lesson, we learned not to over indulge in things we really don’t need, but enjoy the simpler things in life.

Thanks for reading, till next time.

The Economy – Are You Serious

So, I am sure you seen the big bail out of Greece, nearly $1 Trillion in a rescue package. Yah the first day it was approved the stock market shot up, but now look at it, today May 14, 2010, it is down 170 points. And the news flash concerns on Greece, Spain and Portugal tightening up its economy/market. Come on now, are you serious, how much more money, that we do not have, are we going to give out. Your are telling me that there won’t be other countries asking for relief as well. That once they see that money is being given away, countries won’t be asking for a piece of the pie. But how much more pie is there, wait, ok, so really what this means is that we are borrowing from the future money, we don’t have yet, but somehow we will be paying that for the next 30 or 40 years, hey wait maybe out kids…kids will continue to pay.

I’m only saying, how many times are the Countries Governments going to dip their hands into the cookie jar? So you tell me this, when the US gets a Junk Rating, who will bail the US out, do you think that $1 Trillion dollars would do the trick for the US, by the time it happens, hopefully it never happens, but let’s assume it did happen, wouldn’t that be a scary situation.

You know everyone can point the finger and blame the housing market, then they can direct the blame to the Brokers, then everyone can point their fingers to the Lenders. Wait, why stop there, lets point the fingers to the Oil companies, oh come on…I think since there are so many people pointing fingers, hmm…let’s just say 1000 people, each with 10 fingers, hmm that comes out to 10,000 fingers that we can all point to someone else, right. Are you serious, I mean come on…people, step back and take a deep breath and let’s really get to the bottom of this. Stop listening to the Media, we all know that bad news sells, so why listen to the Media’s over inflated concerns, tactics, used to delivery news, so as to make it more dramatic…you know this and I know this.

Now, first of all the Governments need to stop handing out money like it is growing on trees, unless there is something I don’t know and it is, but really stop handing out money. Ok, I am struggling like many Americans and actually people in other countries, no raise in 3 years, hours cut, and prices of everything going up. Ok, don’t come crying to me about being out of a job, and loosing your house, car, boats, etc. Ok…just because I haven’t got there YET, doesn’t mean I won’t be soon. Let’s all just take a deep breath, again, and try to resolve the issues, real issues, and not just give out money like it’s a new fad - wait it is a new fad. I’m not all saying I could run things better, or that my ideas will work for everyone and every situation, because in life nothing is exactly the same and everything has exceptions…to exceptions. But the countries need to put a foot down, wait…no not the government…the PEOPLE need to put their foot down and demand, real solutions…remember this, Lao Tzu - "Give a Man a Fish, Feed Him For a Day. Teach a Man to Fish, Feed Him For a Lifetime".

Lets learn from this, really, lets not look back and start thinking about what we need to do for the future, a better future, the mistakes we did, who we allowed to make ridiculous mistakes, mainly our government…I am only saying. The people need to take back what is rightfully theirs…and start fresh and make things happen. One voice can make a difference, but imagine the MASSES, all our voices as one, yah ok…may sound far fetch, but we can do it.

What am I getting at, We the people need to put our foot down and stop letting these politicians make decisions that we obviously do not agree with and are obviously going to hurt us more and our children. Yah some of you are saying, yah your one to talk, how come you are not doing something, well I am, I started with this post and hope that some where someone will click and start the process. We need to stand together and stop pointing fingers and work towards a REAL solution.

My perspective:
When you point a finger, three point right back to you. so really are you serious. Lets step back and take a deep breath and stop allowing these politicians in making decision we don’t agree on. Let’s make our voice heard and put a foot down. We need real solutions, instead of all this money being giving away. That’s my thoughts, personal feelings and I could go on, but remember I am not saying I am right, or that what I am saying is concrete…only sharing my idea and hope to rile up some folks.

Thanks for reading, till next time…be safe….listen closely…don’t believe everything you read, instead actually read between lines, because if a story sounds to good to be true, it usually has a hidden agenda.

Hard Times – “2K Depression”

So, here we are another day, gone by and of course the market is nearing 11,000, so sunny days are here again, house prices are once again soaring, we all have 100K or more in equity in our house, no debt and well very low interest rates…what more can we ask for…Yah I mean we now have a great new health Reform that is here to help everyone…you…me…your neighbor…I mean come one…what more can be said…we are out of this runt…right.

Well, not sure where the news is getting their information, because my house is still under $85,000 and I just got my hours cut at work 6.25%, and the last raise I got was in 2008…so I am not sure where all this news about we are recovering is coming from…I mean the Banks won’t help anymore because, guess what…we are in recovery…so why would I or you need any help. We should all be happily employed, and happily making our low interest rate mortgage…right…well…once again…I don’t know where these guys are getting their numbers or news…because sooner or later, probably sooner I will be one of those many statistics of foreclosure…because as soon as they raise the those rates and you know that will happen since we are on the road to recovery and well we need to start making those bonds more interesting for our foreign friends…so let’s start raising those interest rate…and BAM…a myriad of new foreclosures…that’s what I see…hey…that’s what I believe is going to happen…of course I hope I am wrong.

But any how, you see, read and hear that the market is up, the economy is moving forward, companies are not laying of as much as they use to…but what is the truth…come on…I can barely afford to buy groceries, I mean…ok…I may not be at the worst position, but I grew up poor…there came a time in my young life…where I had to dumpster dive…oh yah…cold nights…no food…I have seeing oh many things…but one thing I have learned is to keep on fighting, but you know…as you start to get older…your body doesn’t handle those type of things as well as before…so I am getting tired and all this talk about Health reform, loan modifications…come one Loan modification…have you heard the statistics on that…only 3% of the outstanding loans have been modified…there are millions of people like you and me out there trying to get some help and all we do is fill out paperwork, and try to justify why I can’t make my payments, then you banks telling you what you need to do in your life…ok…no piano for your kids, cut back on the second cell phone, maybe you should not have cable television…or wait…shoes…you should maybe cut back on that spending as well…then well then you can pay the banks nearly all the same mortgage payment you were paying before…all they did was debt consolidate for you…using your money…there is no help in that. That’s why they want to know exactly where your money is going…if you send an extra 20 or 50 dollars to your credit card…stop, reroute that to your mortgage payment…you see they move things around for you…to buy time…and hope when your house has equity they can refinance into another loan and of course charge you all those closing costs…wait roll that into the new loan…yah…buying time is what I think that Banks are doing.

Anyhow, Many of us maybe did not see the great depression…and could not make comparison only read about it, but you know…I times are hard right now and we need to let our government officials know this…see this…before making foolish decision, that affect our lives.

In recovery…I don’t think so, just wait for it…you’ll see…next Commercial industry will fall…small business closing…yah…

My perspective:

Banks need to simply lock everyone to a 2% interest rate, eliminate all seconds…any new mortgages well that should be determined as it always has been, sorry to say…but buyers today are getting bargains…more house for their buck…so fair is fair…if I was new coming into the market…I would certainly be ok with paying the fair interest rate that I deserve according to my credit rating…simple…but for those that had perfect credit and build a life, and now do to no fault of their own their house is less than what they owe…yah…we should get a locked rate of 2% and have our seconds eliminated.

Thanks again for reading…Latina Man signing off…till next time.