the Hum

Remind me when I get the time to crunch some numbers reported by http://www.immigrationcounters.com/

If there are 21 million illegal immigrants in the country, then in a year, lets just suppose they make minimum wage (which they don’t) and so their earnings are going to be about 15,000 dollars each per year. The site claims that we have had over 36 million sent to mexico which has got to include more than just illegals sending money back. How can they make that much money in a single year?

We’ll revisit this one later.

So the ruthless girl who tried to convince everyone that rehab was crap, showed glowing colors by admitting that something was stronger than she was - and went to rehab today!

It was a catchy tune, Amy, but yeah, yeah, yeah, time to go go go to rehab.

Here you can catch a glimpse of that wonderful song, which became the theme song for millions of youthful druggies. Ah but alas, karma is bigger than life.

Good luck to you sista, hope you make it through.

Well, finally, they do have a test for whatever ails you, and if you don’t know exactly what that is, try for example the seratonin test.

According to one only psych educator there is a test, and he is not in favor of revealing who does it. Why? Well who knows why. If you have ADHD such as this writer, the one thing is that you won’t be able to get through the mundance task of reading why. You may suffer from a lack of seratonin, the 5ht gene, or whatever it is that is ailing you, but you certainly won’t get help from this place. So let’s do a bit of research.

1. Some of the foremost doctors in the genetic understanding of seratonin related issues are listed 0n the nimh website. Try Dr. Lesch

I’ve tired for years to understand the genetic pinnings of depression and I can tell you that only recently was it ever confirmed that depression was in fact genetic. You can easily have deduced that from miserable depressed and crazy families. Like the Hatfields and McCoy’s. But until lately it was never really confirmed leaving us all guessing. Why is it important to know what you actually have asks Dr. Jim Phelps. The answer is simple: if you have a family full of crazies, maybe you want to know what help could be gotten for the problem, IF you knew WHAT the issue was.

The problem with psychiatry these days is that since it’s all new science, it’s very easy for junk doctors to start giving you paxil, prozac, and a host of other anti-depressants without knowing exactly what they are treating. Guessing is a fine art in the current doctor’s office and if you’ve ever had depression it can be quite frustrating, if not downright miserable and life saving.

Now, back to that test. Take a look at Mayo Clinic, that I just found on the internet which gives the exact reasons I cited above as the reason for telling people where to get the test. That’s right, I’m not a shrink, I only speak from personal experience that depression is no fun and if you can help people find treatment (as God knows there are many out there that don’t work for each person), then you have an obligation to make that information known and free. Why hide it?! It appears that the Mayo Clinic Test is here

Other places to get seratonin testing along with other testing is this lab does many of the tests for only $185.00

Other places to find information on mental health and alternative medicines are Safeharbour - some very interesting information there. and here

While the home mortgage market is falling, interesting is that many people jacked the cost of living for the entire country, and specifically here in San Diego, the market went up and up and up. As it happened I wondered where people got the money to finance these homes, moving from $200,000 to $600,000 dollars. The land rush was on. I was sitting in envy wondering what types of jobs these people had to afford to jack the market so high.

I come from old school and we were told never never ever use an adjustable mortgage as they will go up and up and eventually unless you refinance you’ll never be able to make the payments. Perhaps I’ve grown conservative in my older age, and frankly I might be living a bit frugally. Most seniors or those reaching the silver era would have hopefully learned from the 80’s and would not have engaged their entire retirement in the market for a windfall, and for those who have I fell badly. It’s so much harder after 40 to recover earnings and pay bills than it was when we had the energy to work two jobs and think more clearly about how to overcome.

So based upon speculation, those who purchased using the adjustible rate mortgages (arms) to finance, and playing dumb here, are now crying that they are in foreclosure and it’s unfair. Please! The entire market was exploding and with greed we saw all the claims about doubling money and making money in real estate. Flip your house. The problem now is that once your payments get huge, flipping your home will become a necessity and while that is nothing new, you’ll be flipping for a huge loss now.

So just like in the early 80’s selling a house will be oh so slow, and the excrutiating pain of paying a huge mortage without means will end up depleting the home prices as people will be forced to get out of their huge loans and either dump their homes or go into foreclosure for non payment. Basically if you purchased at the top of the market with a huge adjustible rate loan you’ll be selling soon at a loss. Your only option may be bankruptcy and guess what… even those laws have changed. Many houses on the market at lower prices is certain to ruin the neighborhood. I’m not going to sit an gloat as the prices decline, because my home will decline along with it, but I’m surely not going to be disappointed when the house reach a low enough level to be a true value and not the inflated prices that they were changing hands at.

Stupidity reigns supreme with the fall of home prices, really corrections of the overpricing of the American dream. A few years ago, the world was yours right? That’s right, you purchased a new home, used an interest only loan, or one with very low interest so you could qualify and have low payments. With all the hoopla, surely you’d have a raise in years to come to pay for that ridiculously expensive home. Those selling had a field day. What with flipping one could buy and sell and make a fortune, or so it seems.

Well finally the market corrects. Those who were not old enough to have seen the 80’s won’t recall the 6 months I had my home on the market and the dire conditions under which people such as myself had to sell our homes at a loss. Were it not for the corporate payment of brokers fee’s we would have lost our entire savings. Well, here we are again with the American dreamers thinking that getting top dollar is a God given right and jacking up the market to insane prices that in reality few could really afford.

Now you might be sitting with some abundant equity in your home, and falling fast. If you earned $100,000 or more you’ll find out in a few more months as the correction continues that you have much less equity than you thought, no raise in income, a huge payment due, and guess what… welcome to the world of foreclosure.

The current rate of foreclosure is so high in some Southern California areas that one such town, Chula Vista, just last week enacted a city ordinance requiring banks to actually maintain their properties that they have foreclosed upon and taken over. This just to maintain the beauty of the city. Following suit is sure to be many other cities once they realize how terribly overpriced San Diego real estate is. Take the case of most of the county here were for a mere $300,000 dollars you can purchased a nice shack with a few hundred square feet. The average homes go for much more. Do you have $450,000 or $500,000 to sink into a home right now and end up with $4000 to $5000 in home payments. If you do then in reality you should be earning over $144,000 a year at the minimum. With two earners that would be $72,000 a year. This effectively moves the so called “middle class” according to US standards right out of the San Diego market. According to wikipedia the US Census Bureau reports the annual household income at $46,326 which means you need to find that other $100,000 from somewhere else other than income, unless you’re working 3 jobs.

All in all, you’ll now find that if you are in foreclosure the generous bank, who surely knew the income ratio’s when it loaned to you, will now short sell your home for the loss of $100,000 dollars and end up owning a good percentage of homes in your area.

At that point those of us who did not have dreams of grandjour will be priced back into the market where home prices will be in line with reality.

Now you can camp in style out of your little beemer.

Try a beemer inflatable tent.