These are my ten ideas for the capstone project:
Installation Ideas
Website
Investing money is different from saving money.? It perplexes me sometimes that millions of Americans graduate high school each year without understanding some basic but valuable concepts about obtaining wealth.
Money that is invested is committed for a period of time with a sure risk for the purpose of earning a financial return. The concept of saving money merely means to put it aside as a store or reserve.
Your goal in Investing could be to make the greatest return possible resource within the shortest period of time without losing any of the principle amounts you have originally invested.
Many people are afraid in Investing their hard earned money because one of the most leading reasons for this fear is ignorance. People should understand that the more they learn and understand the better equipped they will become to make wise decisions as a money manager.
Why Investing can be Important?
While Investing one of your key responsibilities is not only to provide for yourself and your family, but resource within the short term but also to trait within the long term. Unlike saving money, Investing will always be associated with a risk factor.
The degree of risk is dependent on the Investing option you choose and is typically proportional to the potential return of the investment. The old saying, ?If it sounds too good to be true?? it typically is. Each person has a different tolerance for risk. You would never be Investing in things that make you lose sleep at night.
Mainly due to the negative effects of inflation, it is the opinion of many people that making the choice not to invest is the greatest risk you can most defiantly make with your savings. Inflation is the single greatest threat to your future financial well being in Investing. It results trait within the constant, steady erosion of money?s value.
When to start Investing?
To start Investing, time is your greatest asset element within the accumulation of wealth. You could begin to invest as soon as possible but not until you have built a solid financial foundation for yourself. Investing requires a long-term commitment.
The money you allocate to would not be money that will be required for many years. To trait within the event of a major depressing financial situation, you definitely wouldn?t want to be forced to withdraw money that has been allocated in a long-term investment to meet the requirements of a short term need.
Thus, it is imperative that, no matter what may come, your financial foundation must be strong. As a minimum, you would eliminate all of your high interst debts like the credit cards, furniture loans, etc and build an adequate cash emergency account.? I recommend a 3 month supply of cash in an easily accessed account.
Baron Rothschild, the quintessential banking opportunist, is said to have advised that the best time to buy is when there is “blood in the streets.” This is the best time in the last century to purchase real estate. Over the past 120 years there has been a trend of increase in home values. In the the past 20 years, we have seen that trend make the jump to lightspeed.
Populations around the globe are increasing at exponential rates and the world isn?t getting any larger to accommodate the growing need for housing. Basic laws of supply and demand predict that there will be a long term strain on various products, services, and resources. Inevitably, prices will be driven higher.
Here in the U.S. we saw a tremendous boom in home prices that is now experiencing the effects of some natural price corrections. Although there are many individuals in the past few years that have suffered from a combination of credit crisis and falling home values, there are some wise investors that are still working profitably in the housing sector. At a macro level, there is no place for property value to go but up.
A little History…
Yale economist Robert J. Shiller created an index of American housing prices going back to 1890. It presents housing values in consistent terms over 116 years, factoring out the effects of inflation. The 1890 benchmark is 100 on the chart. If a standard house sold in 1890 for $100,000 (inflation adjusted to today’s dollar’s), an equivalent standard house would have sold for $66,000 in 1920 (66 on the index scale) and $199,000 in 2006 (199 on the index scale, or 99 percent higher than 1890).
If we examine the year over year change in the Case/Shiller index since 1988, we see a steady rise in values until it peaked in July 2006. The sharp decline since that point has reset prices to below the dip in 1991, in fact, prices are down to 1980 levels. As this recession slows and turns a corner, the natural progression will be upward. Whether the recovery and growth will be a rapid or whether is will pace slowly is what many analysts today are discussing.
The S&P/Case-Shiller index for home prices in 20 major cities in the three months ending June 30, 2009 was up 1.4% from its level in the three months ending May 31, 2009. It was the first time the index rose two months in a row since mid-2006. Prices gained in 18 of 20 markets, but were still down 31% from their July 2006 peak.
These numbers mark a definitive slowing in the downward spiral.”Momentum matters,” said Robert Shiller, the Yale University economist who helped create the index. “This is a sudden break in momentum.”
One component of the Case-Shiller index, consumer expectations of where the economy will be in six months, rose to 75.8, its highest since the recession began in December 2007. Consumers’ assessment of present conditions also improved, along with stepped-up plans for buying homes, autos and several major appliances.
We are now hearing almost daily reports of “good news” in the real estate sector. This good news compounds upon itself and begins to move the market in a more definite direction of growth. We may be rounding the corner on the recession.
I think that this post may go beyond the typical blog rant. Ranting is almost trending at this point. My thoughts today venture beyond the wisecracks and daily gossip. I think this reaches to the status of Rave.
I have a couple kids. A friend of mine asked me the other day, “Do you rule your house with an iron fist?” Of course I do. I am sick and tired of the way our general population has softened on core issues in child development. I wish now to address 3 of the most important areas of raising a child:
The only nutrition a child ever really needs is a flintstone vitamin taken once a day for about a week, and then, when mom’s not looking, the kid should eat the entire rest of the bottle at his/her leisure. It won’t kill them. You should repeat this procedure 1 time every three years throughout the child’s development.
Forget organic crackers and heart healthy cereal. Encourage your kids to eat grass, dirt, chocolate, candy (off the floor), and whatever the hell else they want. It’s these anti-bacterial solutions that are going to eventually weaken our entire race and eliminate us. I eat everything I have ever dropped on the floor. I drink out of the milk carton. I wash my hands only sometimes after I pee. I am a disgusting human being that never gets sick, so suck it!
These parents today act like they don’t even remember the filth and slime we all grew up on. I never ate anything for breakfast before school my whole life other than SUGAR cereals. I don’t know a single kid that ate anything other than SUGAR cereals. I came from a family that was too poor to afford skool lunch and too prideful to get it for free. Yet, I dreamed daily of the upgrade to a steaming hot tray of skool lunch. When you are a kid, lunch is the big meal of the day. We ate crap that came from cans and was slopped on a plate. I looked forward to the rare opportunity I had to eat skool lunch. Nothing excited me more than mystery poo for dessert. You know what I’m talking about.
It only took once or twice of getting hit on the ass to figure out I shouldn’t talk back to my mother. The beautiful thing about sharp painful discipline, is that it is universal and effective. Whether you are a dog or a child, old or young, chinese or mexican, pain equals don’t do it again.
I don’t advocate abuse. BUT, I definitely don’t advocate high strung women walking around telling me that a much needed spanking is abuse. God built-in two giant pillows made from the finest bio-gel protection money can’t buy into every naughty little child in america. The beautiful thing about it is, that butt is genetically engineered to fit the hand of every father figure enraged by disobedience. Sure, you can try the other way that you read about in your book, but don’t complain to us later when your gay son wants to bring Lance to your non-denominational Christmas Eve Celebration.
What is “doing things”? When I was a kid, we could do anything. Kids used to be capable. If my friends and I decided to build a treehouse, we didn’t sit and whine till dad built us one. We built the treehouse. It wasn’t prefabricated from costco, and it was completely unsafe. And the kid, that fell out of it and broke his collar bone, went on to be a better man for doing so. I don’t think I ever played video games growing up except when it was appropriate. What that means is, you only play a video game when there is nothing else in the world to do, or all your friends are doing it.
I remember watching my best friend dive shirtless across the asphalt to stop a goal in a street hockey game. Helping your buddy peel off the worlds largest scab is a hell of a lot more important in life than passing every level of oblivion on your xbox 360.
I played night games. I snuck out of the house. I built jumps. I threw things out of moving cars. I tried to rollerblade backwards down stairs. I jumped over a car on my bike. I took radios apart. I got in fights. ( a lot of fights ) I shaved my head. I shave my friend’s head. I tried to build rockets. I did build bombs.
The point is, I did stuff. I worry about people who go through life never doing things. Don’t be one of those people who raise their kids to have no guts and no glory….and quit trying to put purell on them every time they get a little dirty.
I just thought this would be a good time to read over the “sunscreen speech again”. Rock on! Crystal Pepsi! Yeah!
______________________________________________
If I could offer you only one tip for the future, sunscreen would be
it. The long term benefits of sunscreen have been proved by
scientists whereas the rest of my advice has no basis more reliable
than my own meandering
experience…I will dispense this advice now.
Enjoy the power and beauty of your youth; oh nevermind; you will not
understand the power and beauty of your youth until they have faded.
But trust me, in 20 years you’ll look back at photos of yourself and
recall in a way you can’t grasp now how much possibility lay before
you and how fabulous you really looked….You’re not as fat as you
imagine.
Don’t worry about the future; or worry, but know that worrying is as
effective as trying to solve an algebra equation by chewing
bubblegum. The real troubles in your life are apt to be things that
never crossed your worried mind; the kind that blindside you at 4pm
on some idle Tuesday.
Do one thing everyday that scares you
Sing
Don’t be reckless with other people’s hearts, don’t put up with
people who are reckless with yours.
Floss
Don’t waste your time on jealousy; sometimes you’re ahead, sometimes
you’re behind…the race is long, and in the end, it’s only with
yourself.
Remember the compliments you receive, forget the insults; if you
succeed in doing this, tell me how.
Keep your old love letters, throw away your old bank statements.
Stretch
Don’t feel guilty if you don’t know what you want to do with your
life…the most interesting people I know didn’t know at 22 what they
wanted to do with their lives, some of the most interesting 40 year
olds I know still don’t.
Get plenty of calcium.
Be kind to your knees, you’ll miss them when they’re gone.
Maybe you’ll marry, maybe you won’t, maybe you’ll have children,maybe
you won’t, maybe you’ll divorce at 40, maybe you’ll dance the funky
chicken on your 75th wedding anniversary…what ever you do, don’t
congratulate yourself too much or berate yourself either – your
choices are half chance, so are everybody else’s. Enjoy your body,
use it every way you can…don’t be afraid of it, or what other people
think of it, it’s the greatest instrument you’ll ever
own..
Dance…even if you have nowhere to do it but in your own living room.
Read the directions, even if you don’t follow them.
Do NOT read beauty magazines, they will only make you feel ugly.
Get to know your parents, you never know when they’ll be gone for
good.
Be nice to your siblings; they are the best link to your past and the
people most likely to stick with you in the future.
Understand that friends come and go,but for the precious few you
should hold on. Work hard to bridge the gaps in geography and
lifestyle because the older you get, the more you need the people you
knew when you were young.
Live in New York City once, but leave before it makes you hard; live
in Northern California once, but leave before it makes you soft.
Travel.
Accept certain inalienable truths, prices will rise, politicians will
philander, you too will get old, and when you do you’ll fantasize
that when you were young prices were reasonable, politicians were
noble and children respected their elders.
Respect your elders.
Don’t expect anyone else to support you. Maybe you have a trust fund,
maybe you have a wealthy spouse; but you never know when either one
might run out.
Don’t mess too much with your hair, or by the time you’re 40, it will
look 85.
Be careful whose advice you buy, but, be patient with those who
supply it. Advice is a form of nostalgia, dispensing it is a way of
fishing the past from the disposal, wiping it off, painting over the
ugly parts and recycling it for more than
ït’s worth.
But trust me on the sunscreen..”
I like the old science video styles of yester-year, but do you remember Disney’s style of education. You used to see Jiminy Cricket 
bounce about the screen and talk about the wonders of algebra. Those were the days. I thought I would share this little video because it has that same vintage quality. (Also, I enjoy any chance to discuss good bathroom etiquette!)
As the month of May begins amidst celebrations of Cinco de Mayo and Swine Flu, I have realized that once again the world is in panic. Although not the root of all evil, many of our societal flaws stem from poor bathroom hygiene, etiquette, and precautions, causing a downward spiral that translates to social, economic, and religious turmoil world wide.
It is estimated that the average human spends 1/3 of their life flat on their back in bed. If you are anything like me, you spend at least that much time upon that porcelain throne of inspiration. If the rite of passage is conducted in the most efficient and expeditious fashion, adhering to basic guidelines of hygiene, and personal care, then lavatory success with be exponentially beneficial to the success of your day. A good pit stop makes it all better!
Stay tuned for 20 enriching rants and raves about the rise and decay of our American Values as they pertain to restroom conduct.
I’ll see you on the other side.
Yodatree /n./ (sci ident. Cyressus Yodanesis) def 1. – a mythical tree where people go to ask for wishes.
def 2. – online community where users can post their new business ideas. Users can win money, get feedback, or ask for advice.
Yodatree.com is an online community where you can use your good ideas to make some cash. It is all very simple.
Create your Idea —-> Others vote on your idea —-> Win cash to start your business!
Once you register, you can “Make Your Pitch”. Think of your best business idea and pitch it to the community through the Yodatree forum. Be sure to be convincing! You can include links, pictures and data for the best possible results. Remember, your audience is other members with big ideas too.
Registered members in the Yodatree community can vote on ideas, and the very best idea each month will receive a cash award. Good ideas should be rewarded. The whole purpose of Yodatree.com is to create an environment where ideas are shared and good ideas are rewarded.
Each month, Yodatree will award the best idea with a cash award. No strings attached. The monthly cash award has a set minimum amount of $100. However, the award is a variable amount that is derived from donations to Yodatree and revenues from advertising on Yodatree.com.
Now that you understand how the process works, it’s time to get started.
The Yodatree is a mythical place that people go to ask for things. Call it wishes, if you want. We like to think of it as getting that big break that you have been deserving for a while. If a large a community decides that a concept is good and should exist, then it will. It is as simple as that. If we could convince everyone in the entire world to invest at the same time, then the all of our economic problems would be things of the past.
The Yodatree is an experiment in human perception. Each one of us has the ability to decide to interpret each situation for good or for bad. We are proving to the world that good is better than bad. There is nothing more economically inspiring than a good ol’ fashion idea.
Yodatree receives its funding from two sources – 1) Advertising revenues based on site traffic and 2) Donations from the Yodatree community. 100% of the donations received from Yodatree users and other benefactors are awarded to the top rated idea each month. As the number of users increases, the number and size of awards will increase.
Us:
The idea behind Yodatree.com came about after pondering, thinking, biting nails, and thinking some more. Yodatree.com is about fighting the perceptions of doom and gloom in today’s economy. As soon as the majority of people begin to feel that the current economic crisis is over – it will be over! Yodatree.com was created to reward positive ideas and entrepreneurship. Now that you know it all….it’s time to register and get started!
You:
You are going to do it, because you can. We believe in you. Happy posting.
