The prospect of serious wealth generation is surreptitiously foiled by inflation, which can be defined as a sort of malicious tax levied stealthily by the government. Fiat money is generated out of thin air and the amount of money increases in circulation. As the money supply grows, the dollars bid and compete for the goods and services even more resulting in the spiraling of the general prices. This relentless monetary inflation does hit the poor but the investors with sizable capital at their disposal are not effectually shattered.
For an investor, the investment capital is generated from savings. He needs to consume less than his earnings. But recurrent inflation does manage to pose a dire threat to this hard earned investment capital. As it fiercely erodes the purchasing power, it radically alters the ultimate return too. He has to keep an eye on the net gain of his purchasing power and it must always be positive.
It makes sense for the investor to place his money in the stock market where the company deals with commodities. They should concentrate more on the real returns, which means, inflation adjusted returns, instead of the usual nominal ones. The commodity investors know exactly the market curve of the key commodities like gold or oil which is traded in real terms. It secures their investment portfolio. But in a situation where the investor earns say 100% when there is a rise in the price level by 50%, the investor’s perceived 50% gain is but an illusion. The nominal numbers gathered over years are meaningless. The true gains are calculated on the raw purchasing power are considered relevant.
Inflation has a monumental effect on the stock investors who are desperate to multiply their scant and valued capital. When the market runs in the bear phase, inflation accelerates real losses and it also retards real gains during the bull phase. Since stock investment is not immune from the bane of inflation, only long term return, regardless of the market origin, in real terms, should be the only concern of the investor. He can beat the inflation by riding on the perpetual bull. A bull market is always existent somewhere. It has been observed that when the stocks happen to be in the bearish phase of their long cycle, the commodities are found to be in their bullish phase, and vice versa. The commodity markets actually tend to move totally out of phase with stocks.
Most homes are not insulated properly and any heat that escapes has to be paid for. Therefore, you should fully insulate your home to maximize energy efficiency and minimize your energy bills.
You probably didn’t realise that round 50 per cent of heat loss in a typical home is through the walls and loft. The energy companies know this only too well but of course it’s not in their interest to tell you. They would rather see you spending your hard earned money paying to heat your poorly insulated house. The more heat that escapes from your home the more you spend on heating the great outdoors and the more money your energy supplier will make from you.
Therefore, it is definitely worth checking whether your home is properly insulated otherwise you are wasting lots of money on heating fresh air. Upgrade your insulation and you will make big savings on your energy bills.
The following are just some areas where you can improve your home insulation to save energy and money:
1. Loft Insulation
Without loft insulation you could be losing as much as 25 per cent of your heating costs through your roof. Your money is literally disappearing into thin air. Insulating your loft is a simple and effective way to reduce your heating bills, which you can even do yourself. Estimated annual savings of $300 – $400.
2. Draught proofing
In a typical home 20 per cent of all heat loss is through poor ventilation and draughts. Huge savings can be made by adopting a few simple draught proofing measures in your homes.
Estimated annual savings of $50 – $100.
3. Double Glazing
Double glazing cuts heat lost through windows by around half. Modernize your windows by replacing all your ordinary windows with argon filled, double-glazed windows to save around 2.5 tonnes of carbon dioxide (CO2) per year for homes with gas heat, 4 tonnes for oil heat, and 10 tonnes for electric heat.
Estimated annual savings of $250 – $400.
4. Cavity wall insulation
Around a third of all the heat lost in an un-insulated home is lost through the walls. Cavity wall insulation is a fantastic way to significantly reduce the amount of energy you need to heat your home.
Estimated annual savings of $250 – $350.
5. Floor Insulation
As we all know waking up in the morning can be difficult enough without having to endure the shock of an icy cold floor prickling at your toes. This problem is due to a lack of suitable floor insulation or gaps and draughts around skirting boards, which together can account for around 15 per cent of heat loss from your home. Both are simple to fix and here’s how. Timber floors can be insulated by lifting the floorboards and laying mineral wool insulation (e.g. glass fibre quilt) supported by netting between the joists. Afterwards you should also fill all gaps between the skirting boards and the floor with sealant to block any remaining draughts. Estimated annual savings of $150 – $200.
There are many other areas in your home where you can improve insulation and save energy and money. Individually or in combination by using these techniques you will benefit with immediate reductions to your energy bills. Over the longer term your savings will run into thousands so now is the time to act particularly as global energy prices continue to rise.
Chances come and go, though, I must be real, I’ve not really has a good time but I’m close to having my fair share, I am definitely going to take what’s mine, even when it sometimes look like I am In doubt of my competencies because the value has not really been giving to me, but let’s face it I am eager to take what’s mine, though sometimes fear and insecurities try to hold me back, but when I look at what I’m up against, I am propelled to go the extra mile and get what’s mine.
As for what I’m up against, I really must love to put it in words, but I fear to trap my gaze and destination in words because I really don’t want to lose my mind, so I pretend. Having gone through series of classes and training in acting and read books that talk about the mysterious smoke screen, I act as though indeed I really want to enjoy life to the maximum that is why sometimes I enjoy the very superior old pales from Spain and all the corners of the earth, brag about my gallery of the finest brewed wines and embellish my penchant for more, just the same way I’d like to beat my chest about my state of the art library aesthetically adorned with books from Nicollo Machiavelli, Robert Greene, Malcom X, Kogi of Nigeria, and a lot from old time advocates of freedom of thoughts and mind liberation; Leonardo Da-vinci, Galilie Galileo, Nicholas of Cusa, Michel Angelo et al.
One thing that I’ll love to do is disappear into thin air, travel away from the physical realm, but after having learnt to listen emphatically to the thoughts and expectations of people of me. It’s not as though I am building castles in Spain which is not a bad idea, but at least it’s not an out of this world idea to satisfy the wishes of my folks and surpass their fantasies. From the realm I’ll be operating from, I’ll love to listen so the other party can feel heard, then when I return I will have the divine enablement to rewrite my wrongs and stay in track. We all have wishes though but I’ll love to lead a good life this way.
Cloths they say do not make the man but are a clear expression of our personality. For me I’ll love to dress to hide who I really am thereby making my core competences obscure, of course a lot of people will think less of me- but I think I’ll enjoy the fuzz of being a façade creator, I know I have to be forced sometimes to do it their own way for business or religious reasons, but I’ll fight hard to carve an unusual niche for myself. Doing it my own way is my way of calling on the deep to do the deep thing; those who are living out of the shell and have thrown their minds over the bar.
One of my psychological divestment is politics, in this part of the world where I come from we are not getting it right so I don’t envy politics, we have termed it a dirty game, but I befriend those whose ambitions are to alter the order of things to move the nation forward from what it is now to what it ought to be. So for every politicians I have as a friend as least I got a voice where it counts.
Amazingly, I’ll gladly enjoy the spot-lite from behind the clouds, my leverage is the devine enablement upon me to be able to dissect a brand beyond the surface, so I’ll take to smoking cigars, play the game of Chess and Ultima, play golf and do polo, go to the clubs and casinos with the lite feathers that have weight, do a lot of seamless brainstorming, evolve strategies and play mind games.
Interestingly, my brand strategy is win-win or no deal, but I love to bend over backwards sometimes when I am thinking long term. The deal is do a lot of thing against my values and hit the mark.
Nigeria is a very disturbed nation in the African continent. Though there is constant turmoil in the country, the education system in the country is being tried to be built strongly. This is one reason that distance learning has become so popular in the country. There are ample options available if one wants to study online in Nigeria. With the various distance learning courses, interested students can continue their studies by sitting at their homes itself. Due to political unrest in the country, it is also difficult for students to go to school, colleges or universities to pursue a normal regular course. Thus, they are left with no other option than to study online in Nigeria.
Though Nigeria is in difficult times, but the students in the country are very enthusiastic about their education. There are many students who desire to pursue higher studies but cannot do so for so many reasons.
Distance learning courses have come as a boon for them. Now they can study any subject of their choice from the various online universities that offer distance education courses. The geographical location of the university does not matter much now. If the university offers courses that students can study online in Nigeria, the entire problem is solved. The best thing is that after the course is completed, the candidate has to appear for an evaluation test. On clearing the test successfully, he/she will be awarded a certificate or a degree.
There were many inhibitions earlier regarding the degree obtained from the various distance learning courses. But with time, all these confusions vanished into thin air. People had an idea that the quality of education in regular courses was much higher than when you studied the same thing through various distance learning courses. This has also attracted many students globally to study online in Nigeria. Not only that online education is extremely beneficial for professionals who want to enhance their skills and knowledge by doing some professional courses.
Distance learning courses have enabled people to do their jobs and their studies simultaneously. There are very few people nowadays who wait for the entire education to be completed and then step into the professional field. Rather, it has become just the opposite. Most of the people complete their basic education and leap into the professional field as soon as possible. This gives them more time in the professional arena to understand things and to settle down with time. Study online in Nigeria for the various professional courses, the most important among them being MBA. Not only in Nigeria, MBA has become one of the preferred courses for professionals all across the globe. This course can easily be done through distance learning.
However, there are some things that you must keep in mind while selecting your destination for distance learning. If you decide to study online in Nigeria, be careful of selecting a proper university or institute. If that choice goes wrong, the entire course can go for a toss completely. If possible read some reviews about the distance learning university.
Banks, judges, and lawyers typically all work together to get through as many foreclosure cases a day as they can. After all, the judges get more filing fees for their court by handling a larger caseload, and lawyers can bill all the hours they want to a bank that can create money out of thin air. But even in such a scheme as this, the judges that may want to evaluate a foreclosure case on its merits have to deal with deceptive lawyers.
The Herald Tribune in Florida, the same state in which some judges are going through 800 foreclosure cases a day, giving homeowners less than thirty seconds to defend their homes, reports that, “A Sarasota attorney, Richard Kessler, enlisted a few friends to go through 180 foreclosure cases in Sarasota County looking for errors. They found three out of four cases proceeded with incomplete or improper documentation.”
So seventy-five percent of foreclosure lawsuits that banks initiate are based on wrong documentation.
But too few homeowners even appear in court to defend their homes, and the ones do show up to a foreclosure hearing do not know enough about the law and their rights during foreclosure to mount a proper defense. Without pointing out the bank’s lawyers’ mistakes in just the right way, it would not matter anyway, with all of the procedural rules in courts.
The main finding in the study the report refers to is that few banks can prove that they actually own a mortgage that they are suing for foreclosure. The report states the following disturbing findings:
“For instance, the survey found that only one in 12 cases had the documents to prove the company foreclosing on the property was also the company holding the mortgage note.
“In half of the cases reviewed, the plaintiff said the mortgage note had been lost.”
But simply not being able to prove that it has the right to collect on a loan does not stop the banks from filing lawsuits anyway.
And the threat of a lawsuit, any kind of lawsuit, is typically enough to scare most borrowers into abandoning the home and moving out before eviction.
Another lie that the banks have their attorneys participate in is undermining court-ordered mediation services. When courts mandate that homeowners and lenders meet to discuss alternatives to foreclosure, the lawyers are just stating that the borrowers “had ‘no interest in the program or declined,’” whether or not that is actually true. And it is often not true, despite the bank’s attempts at deception.
The news story details a long list of practices that mortgage companies and lawyers representing those companies engage in to deceive judges and foreclosure homeowners into unlawful foreclosures. The list proves again that the courts are simply set up as formalities to “give people their day in court,” while sabotaging any effort they may make in an actual defense of their home. A number of such legal frauds are listed below:
Judges simply take foreclosure attorneys’ at their word that all of the paperwork is in order and sign off on judgments and orders for sheriff sale or eviction.
Bank lawyers file foreclosure lawsuits involving properties in other counties that the courts have no jurisdiction over, thereby taking advantage of a large caseload to get these fraudulent foreclosure through an overworked system.
Lawyers file lawsuits on behalf of banks without documented proof the lender owns the mortgage or has the legal right to collect on it. In many cases, the bank simply says the note has been lost but still wants to go through with the foreclosure lawsuit. Judges comply.
Lenders ignore county rules mandating they meet with borrowers to discuss solutions to foreclosure outside of the court system. Even if homeowners want to participate in negotiations, lawyers file paperwork stating the owners had no interest. No negotiations are ever held.
Lawyers claiming that banks, in order to have the legal grounds to file a lawsuit against homeowners, have changed their names to the company that is shown as owning the loan, even if this is not the case at all.
Banks offer to negotiate with borrowers and put the foreclosure process on hold during negotiations — but file the lawsuit anyway and obtain judgments and orders against the homeowners, who were led to believe there would be no legal action.
The only really surprising aspect of the entire news article is that the Herald Tribune seems to believe that these lies are “a new tool in foreclosure.” Unfortunately, these and similar fraudulent practices have been going on for years now, long before the housing boom turned into a bubble and then collapsed. The only difference now is that, with more and more homeowners in foreclosure, there is more lying being done.
These and other practices are just one more reason that homeowners in foreclosure should consider hiring their own foreclosure attorney or personal bankruptcy lawyer to help them examine various legal options they may have. If 75% of foreclosure cases have serious errors that the bank covers up through fraud and deception, then more borrowers may be able to save their homes or live mortgage-free for years just by spending the money to hire a good attorney to help them.