Approaching a General Crisis

For those who have bougth a house these past years... beware! Life cost increases, taxes and interest rates increase and wages decrease. The overall perspective about the future does not seems to be promising.

The picture above represents the price of money since 1999 until today (Euribor 3, 6 and 12 months). Let's take a look before 1999 to understand where the increase of the interest rates can go.

My question is very simple: How many people are going to lose their houses? How many people have credits up to 20 or 30 years? And recently, the banks do credits up to 40 and 50 years, which is a crazyness. Such people will pass all their lives working to pay the house. From some calculations here is an example of what people are paying:

[Scrool page down... I can not take off this stupid blank space.] :|

100 000 Euros for # Years at 5% of interest rate
# years	10	20	30	40	50
Montly instalment	1 079.21	668.69	542.10	485.65	456.47
Total payed after # years	129 504.57	160 485.17	195 154.31	233 112.64	273 883.68
Total interest payed	29 504.58	60 485.17	95 154.31	133 112.64	173 883.68
Could buy	medium class car	high class car	small apartment	big apartment	house + terrain
At the end	You suffer, you cry, you don't have money during 10 years, but the future seems promising.	You can pay the college to your children, however this is worst than the instalment.	You are relieved so you can buy a completely brand new small car.	You are old without strength and money to make some improvements to the house.	The descendents inherit an old house which needs major repairs.

Now imagine is someone askes more than 100 thousand Euros!

Human Evolution

Negative Minds

In life, all of us have met or will meet someone who has always an opposite opinion from yours. I mean… If you say yes he/she will say no. If you agree he/she will disagree, and so on. Of course, you do not see or talk with such people everyday. But many times you can denote stubbornness on those people; they just want to be different from you and better than you. Many times those people are just “unbelievable” on invoking ridicules arguments to justify their opinions.

Now, imagine you are making a suggestion or asking something to someone and you got a reply like these ones:

Monday	I do NOT like…
Tuesday	I do NOT want…
Wednesday	I do NOT go…
Thursday	I did NOT knew…
Friday	I did NOT noticed…
Saturday	I did NOT paid attention…
Sunday	I did NOT made…
February 30th	I did NOT saw...

Try to imagine to listen those sentences everyday, even at night in your dreams (That would be a curse). And try to imagine the same person saying those sentences (That would be what?! A hell?!). Some of you are just wondering “Why do you not buy a shotgun?” Humm… what a terrific idea.

Well, a lesson must be taken from this story. We must learn to say NO too, whatever it costs. Let's try to be different and enjoy the negativism of life.

The Perfect Imperfect

Do you remember this movie?! Do you recognize who’s the dancer guy?!

Or… if you prefer this scene of the most famous series in USA:

All the movie scenes can be perfect and eternal however in real life is difficult to keep something eternal. I’ve stepped on a news today… Patrick Swayze is sick. He has a pancreatic cancer. From my research, the pancreatic cancer is one of the fastest killers. From several risk factors smoking represents 75% of the danger "... and the risk persists for at least a decade after quitting."

Do you really want to keep smoking?! Just imagine all the moments you could have if your life was bigger than expected. What's the life time? I do not know, anybody can pass away from one moment to another, but we can always avoid some situations.

French Campaign Against AIDS

Flash version here

Superwoman

This week I’ve found in the Internet an article which describes some of my impotence on changing some facts in my life. You can read it here.

I was raised by my parents. Both have always underlined the fact of being a good housewife. I must have time to cook, to clean (ya… to iron too, blarg), etc, as other women. We can not forget that I work all day (besides the housewife job) and usually I bring extra work that must be done at home. But the problem is the time… time is never enough to do everything.

I already have tried to do a strike for a help on the regular home tasks. But… I can not count with the neighbors; it must be me to do the entire job. I already have requested help to my guy on the weekends. Some few times my request was completely neglected and he says “you need to relax.” Of course… the next hours were passed in bed doing something again and again which makes me falling asleep until 4 p.m. When my mum calls, she’s astonished because I’ve not made lunch and I still sleeping. Oh mum… it’s so hard to explain!

Other times he says “I’ve brougth to much work!” and here I go doing everything alone. But he forgot that I also had brought work. Last weekend he was the most helpful guy. When he wants he is very helpful. Unfortunately I think this is one situation on one thousand.

I’m not complaining… I was raised to be a housewife but… I do not have time for everything. And like me there are thousand of women. If men want their wives smiley with a good mood and time to be in bed, they must help them on everything they can. Do not get surprised if she rejects you or she’s always with a headache.

Sharing

When I was coming home, I’ve listened a few word of a conversation between 2 ungrad students:

Guy 1: I have a uncle who is a priest at Algarve, and he never gave me anything in all my fucking life.

Guy 2: yeah… and Bible says to share everything.

What the fucking minds are these ones?! Just because in the Holy Bible it is written that we must share with others, the believers in Christ must work and support these guys?! Come on… leave college and get a real job.

Murphy's Law

How many of these laws are not applied to you?

1. When you have to unlock a door and you have your hands full with 10 big, heavy bags…the key will be placed in the opposite pocket from the hand you hardly managed to free.
   
2. The only time when the door closes by itself is when you left the keys inside.
   
3. When your hands are full of soil, your nose begins to tickle.
   
4. When you have the impression that everything is going very well…it’s because you missed something important…
   
5. When you manage to stay calm when everyone near you is desperate… it’s because you didn’t get the entire gravity of the problem.
   
6. Problems are not created, neither solved, they just transform!
   
7. You’ll get to the phone running exactly in time to hear that the other one hangs up.
   
8. There are always two good movies on two different channels on TV…but always at the same time.
   
9. The probability to drop food on yourself during lunch is directly proportional with the necessity of keeping your clothes clean!
   
10. Any human body, sink in a foamy, relaxing bath…makes the phone ring!
    
11. Any human body, sit on a toilet, makes the door bell ring!
    
12. Wind’s speed increases directly proportional with the price of the hairdressing recently made.
    
13. If you decide, after many years, to throw away something you haven’t used for a long time…Not more than 3 days will pass until you’ll desperately need exactly that object!
    
14. Always, when you get somewhere in time, no one will be there to notice that, but when you are late with only 5 minutes…everyone will be already there…and everyone will look at their watch and then look at you!
    
15. Don’t take life serious, after all, you won’t survive it!
    
16. If there is a possibility of several things going wrong, the one that will cause the most damage will be the one to go wrong.
    
17. If there is a worse time for something to go wrong, it will happen then.
    
18. If you perceive that there are four possible ways in which a procedure can go wrong, and circumvent these, then a fifth way, unprepared for, will promptly develop.
    
19. If everything seems to be going well, you have obviously overlooked something.
    
20. Nature always sides with the hidden flaw.
    
21. Whenever you set out to do something, something else must be done first.
    
22. Every solution breeds new problems.
    
23. Enough research will tend to support your theory.
    
24. When there is a very long road upon which there is a one-way bridge placed at random, and there are only two cars on that road, it follows that: (1) the two cars are going in opposite directions, and (2) they will always meet at the bridge.
    
25. Smile... tomorrow will be worse.
    
26. Left to themselves, things tend to go from bad to worse.
    
27. You never run out of things that can go wrong.
    
28. No battle plan ever survives contact with the enemy.
    
29. If your advance is going well, you are walking into an ambush.
    
30. The only thing more accurate than incoming enemy fire is incoming friendly fire.
    
31. Logic is a systematic method of coming to the wrong conclusion with confidence.
    
32. If builders built buildings the way programmers wrote programs, then the first woodpecker that came along would destroy civilization.
    
33. An expert is one who knows more and more about less and less until he knows absolutely everything about nothing.
    
34. All's well that ends.
    
35. A meeting is an event at which the minutes are kept and the hours are lost.