Did you ever see Donald Trump stand in line for anything after he got rich?  I do not think so.  Money makes you happier.  It allows you to buy the luxurious things in life like sports cars and mansion homes and necessities like groceries and clothes.  It also get to that preferential treatment that Donald Trump gets.  There is actually psychological benefits to just counting money!  Psychological Science, published a new study that says thumbing through your cash can reduce emotional and physical pain as well as increase feelings of internal strength, fearlessness and confidence.  Of course, the flipside to that is when people are reminded of their spending they also report higher levels of both psychological and physical distress.

Focusing on the symbolic power of money, the study’s authors, Xinyue Zhou of Sun Yat-Sen University, Kathleen Vohs of the University of Minnesota and Roy Baumeister of Florida State University, started with a simple hypothesis: reminders of money can alter how people experience social interactions—especially social acceptance and rejection.

To test their idea, the researchers took the following approach: 84 students at a Chinese University, were divided into two groups. One group counted 80 large denomination bills; the other group parceled out 80 pieces of plain paper. All participants then played an online video game where, using game controls, they could throw a video ball and play catch with other internet players. But the game was rigged so that after 10 throws half the students would no longer get the ball thrown to them, while the rest of the students continued to play catch. When the game ended participants who’d been excluded from the second round of catch rated their level of social distress and how strong they felt. Those who had counted money before being socially excluded reported lower levels of social distress than those who had counted only paper. Additionally, the participants who had counted money also reported greater feelings of inner strength and self-sufficiency.

To see if counting money also reduces physical pain— previous research indicates psychological and physical pain are experienced in a similar way —the researchers repeated the earlier social exclusion test, except this time they replaced the ball game with a pain-sensitivity task, in which half the participants were put in a moderate-pain condition (their hands were immersed in warm water) while the other half were subjected to a high-pain condition (hands were immersed in very hot water). Again, those who had counted money reported lower levels of pain.

To complete their study, the researchers conducted additional experiments. Their other findings: Reminders of having spent money aggravated feelings of social distress; and both social rejection and ideas of physical discomfort fueled participants’ desire for money as well as made them less generous.

So what does any of this mean for people in the real-world—especially in this down and out economy? One implication, not entirely surprising, is that a job loss may pose an additional challenge. A layoff is a kind of rejection and that could increase a person’s desire for money at the very same time he or she has less than before, explains Kathleen Vohs, co-designer of the study. Put another way: “The recession can make [people] crave what they can’t have,” Vohs says.

Fortunately, the research also offers a possible solution for landing a new job. “It might be handy to sit down and count a stack of money before going out to the job interview,” says Roy Baumeister, one of the study’s authors. Another option? “Set up a screen saver that shows money,” says Vohs. “That might help ameliorate some of those feelings of being rejected.”

Believe it or not, counting money may help you find that special person even though money cannot buy love. “Maybe young men who are going out to bars to try to meet women should count money,” muses Baumeister. “I gather they have to approach a lot and get rejected a lot. I am not a specialist in bars but it would make the men feel strong and probably make them less bothered about being rejected over and over.”

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My Take: In the human society today, everything revolves around money including emotional and physical health.  There is no way to get around it, if you have money you definitely feel better about everything.  As for just counting it making you feel better, I would have to hear more about that.  I wouldn’t feel better counting somebody else’s money, I would just want it.

I would imagine that the Alexander Technique New York would make me feel better than counting money.  At least the Alexander Technique benefits would be more apparent in my physical condition.  The same goes with Pilates exercise, it would do me better to exercise than to count money.  Of course, you do need money to buy Pilates workout equipment.

Maybe the next study they do should incorporate people who work in a bank and count money every day and compare that to people who work in jobs where they do not handle money.  They just might get more people to believe that counting money makes you happy.  Of course, if you count your own money, you are definitely going to be happier, she don’t have that much.

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Security in the Home

There is no such thing as a burglar-proof home. What there is are homes that are too difficult to break in to.  Time and attention are the worst enemies for a burglar.  Longer it takes and the more noise that is made increases the chances of a burglar being seen and caught.  Making your home less easy to break into is the most bypassed target when considering home security.  Your main idea is to deter a burglar.  However, you want more than one line of defense for your home.  Ademco alarms can be your first line of defense.

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Allowing foreclosed homeowners to remain in their homes as renters is a plan that first surfaced a couple of years ago and is gaining greater popularity today. “The basic point is you’re recognizing an unusual situation so you’re temporarily changing the rules on foreclosure,” says co-director of the Center for Economic and Policy Research, Dean Baker, who first proposed the plan.  According to Baker, nothing else seems to be working in foreclosures are on the rise.

“As it stands now, if I hold the mortgage on a house and the person hasn’t met the payments, I go to the judge and say ‘Look this person hasn’t met the payments.’ The homeowner is given a certain number of days and, if payments aren’t met by then, the house is mine. I throw [the homeowner] out on the street,” says Baker.  Baker’s plan proposes to change the rules of foreclosure for a limited period of time.

“Mortgages issued 2002 to 2006 or 2007, whatever time period we want to put in there. For those mortgages we’re going to recognize the unusual situation and say that if I want to foreclose on that person, I have to give [the homeowner] the option to stay there as a renter,” explains Baker.

The length of the rental period would be determined by Congress if the proposed bill passes. “My view is you want it to be as long as possible — seven years or 10 years — a lot of people wouldn’t take advantage of that whole time but the point is to give people substantial security in their home so they can stay there for a period of time as renters, paying the market rent. They’re not getting a subsidized rent,” says Baker.

The plan also binds buyers of the foreclosed property to commit to allowing the former homeowner to remain as a tenant for the rest of the guaranteed period. According to Baker, the important thing to note is the many benefits that this plan can bring for neighborhoods and property owners in those areas as well as those facing foreclosure.

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“The absolute worst thing you could have happen for a neighborhood is to have vacant properties and, of course, in a lot of these areas you have a lot of vacant properties. Banks often don’t care for them well. They don’t see to it that the grass is mowed, that broken windows are fixed or boarded up. Sometimes houses become crack houses or there are squatters there. So it’s the worst thing in the world to have a foreclosure and have a house sit vacant and in many places that’s exactly what’s happening,” says Baker.

But Baker says that this plan may actually keep people in their homes and also let them remain homeowners. “I think a lot of banks will suddenly get serious about modifying loans if the alternative is being a landlord for five years. So, I think it will keep more people in their homes as owners but certainly it’s also better to have a neighborhood that has renters in those houses than have them staying vacant.”

However, Baker says banks still may feel the loss. “There is a neighborhood effect that if you prevent foreclosures and keep homes occupied, [the banks] may actually benefit. But in any specific home, if [the banks] kept everyone else from foreclosing but they themselves got the right to foreclose, they’d probably be better off foreclosing and throwing the person out. So the banks weren’t happy about [the proposed plan],” says Baker.

And the public? Well, these matters can be very touchy. “When you talk about the bailout programs, the modifications that involve public money, it really breeds a lot of resentment,” says Baker.

Baker says, “You have someone saying, ‘Well, I’ve been paying my mortgage why should I subsidize this person who’s not?’” However, he says that’s not the case with the right to rent plan. Baker says that non-delinquent homeowners should understand that taxes are not being raised to support the plan.

According to Baker, the best thing about this plan is that it does not require any bureaucracy, just changing the rules.  This gives millions of homeowners who otherwise could just be foreclosed upon with no recourse another option.  This plan gives them something that they can hang on to.

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My Take: I like this idea!  It gives people the opportunity to stay in the home that they love instead of completely losing it.  It is also possible that once they are able to, they could start buying it again at a later date.  I see a lot of potential in this plan.

The main obstacle I can see is the banks; they always want their money now.  If banks would stop to think like the average person does, you might actually find a bank with a heart.  I know their main purpose is to make money, but the difference in the rental and mortgage payment can be written off as a loss did save some money in taxes.  However, I doubt they will see that point.

Although, it does give homeowners, who are about to lose their home, an opportunity to stay in your home longer instead of getting a foreclosure.  I know many homeowners would be concerned about their credit rating and how this would affect it.  Another aspect that might be incorporated into it is the possibility of not ruining their credit so that when they are able, they could purchase a home in the future.

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Driver Assistance

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The one-time street preacher of what the federal government over claims he underpaid followers for church work and was the outfitter of the stars, Tony Alamo, was convicted of taking five girls across state lines for the purpose of having sex.  Alamo transported girls as young as age 9, in violation of a nearly century-old federal law and was found guilty by a jury of nine men and three women.  The 10-count indictment said that the abuse started in 1994.

Women ranging from age 17 to 33 told jurors that Alamo “married” them in private ceremonies while they were minors, sometimes giving them wedding rings. Each detailed trips beyond Arkansas’ borders for Alamo’s sexual gratification.  Alamo, 74, never testified. His lawyers told him he should not directly challenge their testimony and they argued to jurors that the girls traveled for legitimate church business.

The evangelist could spend the rest of his life in prison, since each count is punishable by 10 years in prison and a $250,000 fine. Sentencing will be held in six to eight weeks.  State and federal agents raided Alamo’s compound last Sept. 20 after repeated reports of abuse.

Defense lawyers said the government targeted Alamo because it doesn’t like his apocalyptic brand of Christianity. Alamo has blamed the Vatican for his legal troubles, which include a four-year prison term for tax evasion in the 1990s.

With little physical evidence, prosecutors relied on the women’s stories to paint an emotional portrait of a charismatic religious leader who controlled every aspect of his subjects’ lives. No one obtained food, clothing or transportation without him knowing about it.

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At times, men were ordered away from the compound and their wives kept as another Alamo bride. Minor offenses from either gender drew beatings or starvation fasts.

In the end, prosecutors convinced jurors in Arkansas’ conservative Christian climate that Alamo’s ministry offered him the opportunity to prey on the young girls of loyal followers who believed him to be a prophet who spoke directly to God. They described a ministry that ran on the fear of drawing the anger of “Papa Tony.”

Alamo remained defiant as jurors heard testimony for a week. He openly referred to the Branch Davidian raid at Waco, Texas, muttered expletives during others’ testimony and fell asleep at times – while alleged victims spoke from the witness stand and again as prosecutors urged his conviction.

The evangelist built a multi-state ministry on the backs of followers who worked in various businesses to support the church. In the 1980s, he designed and sold elaborately decorated denim jackets, hobnobbed with celebrities and owned a compound in western Arkansas that featured a heart-shaped swimming pool.

Federal agents seized a large portion of his assets in the 1990s to settle tax claims after courts declared his operations a business, not a church. Among items offered for auction were the plans for the studded jacket Michael Jackson wore on his “Bad” album.

Lowest ministry is considered a “cult” by the Southern Poverty Law Center.  For violating the nearly century-old Mann act, prosecutors indicated that Alamo could face a total of 175 years in prison.  The Mann act as a morality law once aimed at stopping women from being sold into prostitution.  Each count that Alamo has been charged with also carries a possible fine of $250,000 each.

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My Take: As a woman, I think anybody who uses a child for sexual purposes should have their throats cut.  I firmly believe that anybody who is found guilty of rape (any kind of rape) should get the death penalty.  This man deserves to die more than any because he is supposed to be a religious leader.  A person who is supposed to guide people through their faith not destroy it.  He was supposed to be someone that they could trust.  He probably used womens sexy Halloween costumes to make them feel grown up.  How sick can a person be used Halloween costumes in that way, if he did.

I doubt that he used any tricks other than the fact that he “married” them.  However, I think he should be searching for burial urn and not wondering which prison he will be in.  I would even let him purchase a pet urn so his dog could go with him.  I do not think he has the right to live.  However, that is my opinion and I am entitled to it.

As long as he spends the rest of his life in jail without the possibility of parole I will live with it.  I firmly believe that anybody who rapes or murders anybody should lose his or her own life.  They have stolen one life so they should lose theirs.

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Employment Lawyers

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Car being scrapped for cash!  Many countries already have this type of a program.  However, the program in the US ended on July 30, only a week after it began because the money was gone.  A week before, the government gave details of its clunkers scheme that was aimed at getting people to trade in their “gas guzzlers” in exchange for greener vehicles.  Now the program may have an additional $2 billion to continue according to government.  Congress is set to vote the first week of August.

The $1bn program, which was to run until 1 November, offered vouchers worth up to $4,500 for people scrapping vehicles that do fewer than 18 miles per gallon.  They needed to buy a new car with a rating of at least 22 mpg or a light truck that manages at least 18 mpg.  Similar schemes in Europe have helped ailing firms sell more cars.

The car-making industry has suffered worldwide from the economic downturn, which has pushed two of the big three US auto firms into bankruptcy protection.

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Approved dealers

In order to qualify for the vouchers, car owners needed to visit the official Car Allowance Rebate System website (www.cars.gov) to find a list of approved dealers.  Vehicles to be traded in needed to be drivable, less than 25 years old and have been insured and registered to their owners for at least a year.

The replacement vehicle must be brand-new and should have a retail price of no more than $45,000.  Neither the old car nor the new one has to be US-made. The scheme covers domestic and foreign-made vehicles alike.  As the website makes clear, the stated purpose of the scheme is to promote fuel efficiency.

“Oil is a non-renewable resource and we cannot sustain our current rate of use indefinitely. Using it wisely now allows us time to find alternative technologies and fuels that will be more sustainable,” it says.

However, similar schemes in other countries, notably the UK and Germany, have acted as a stimulus to the economy by boosting car sales and production.  In fact, one dealership in Phoenix Arizona, Bill Luke Chrysler has stated that they doubled sales during the week.

The measure was introduced by US Senators Dianne Feinstein (D-CA), Susan Collins (R-ME), and Charles Schumer (D-NY) in January and was to establish a national voucher program to encourage drivers to trade in older, less fuel efficient cars, trucks or SUVs for a more fuel-efficient vehicles or to use mass transit. Companion legislation was also introduced in the House by Representatives Steve Israel (D-NY), Jay Inslee (D-WA), Barbara Lee (D-CA), and Dennis Moore (D-KS).

The Accelerated Retirement of Inefficient Vehicles Retirement Act of 2009 (ARIVA), also called the “Cash for Clunkers” program, would reimburse drivers with a credit of up to $4,500 for scrapping vehicles with a when-new fuel economy rating of less than 18 mpg US as reported by the original manufacturer for purposes of CAFE compliance. (CAFE compliance figures are lower than the adjusted EPA fuel economy ratings for consumers.)

Eligible drivers would receive a reimbursement voucher for the purchase of a new or used vehicle with a fuel economy rating that exceeds the CAFE target for that class of vehicle by at least 25%. The bill also requires that the voucher be used towards the purchase of a vehicle that has an MSRP of less than $45,000, is model year 2004 or later, and meets or exceeds federal emissions standards. Drivers who apply for the program must ensure that their vehicles are in driveable condition and are currently registered in the US.

Vouchers could also be redeemed for transit fares for participating local public transportation agencies. The program would operate for four years, from 2000-2012, and is expected to encourage the early retirement of up to one million vehicles per year.

The bill specifies that during the first year of the program, vouchers will be issued for the following amounts:

In each subsequent year (2010, 2011, and 2012), the model years would be advanced by one year. Vouchers would be eligible for redemption for up to two years after the date of issuance, and no individual would be eligible to obtain more than one voucher in any three-year period. Dealers, dismantlers and scrap recycling facilities would also be eligible for a payment of $50 per vehicle, or an alternative amount to be specified by the Department of Energy.

Once implemented, the program would, as estimated by the American Council for an Energy-Efficient Economy (ACEEE):

Save between 40,000 to 80,000 barrels per day of motor fuel by the end of the fourth year, (based on an estimated 500,000 to 1,000,000 vouchers issued per year).

Reduce greenhouse gas emissions between 6.6 million metric tons to 7.6 million metric tons, or the equivalent of removing 1.1 million to 2.2 million vehicles from the road in one year, (based on an estimated 500,000 to 1,000,000 vouchers issued per year).

Reduce NOx by 3,043 short tons (2,761 metric tons) by 2013, (based on an estimated 500,000 to 1,000,000 vouchers issued per year).

While participation in the voluntary program was hard to gauge, ACEEE said, its preliminary estimates are that 575,000 vehicles would be retired annually, and that fuel savings would reach 46,000 barrels per day by 2013.  However, on July 30 the government stopped the program.  Many car dealerships are in a frenzy trying to make sure that they get their money from the program.

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My Take: It seems that somebody messed up somewhere!  This program was supposed to go on for several years until all the gas-guzzlers were off the road.  I guess the gas-guzzlers are here to stay.  Many people cannot afford to buy “green” vehicles because they cost too much.  That was another reason for the program, to help people purchase the vehicles.  After a couple a days, the government announces that it has another $2 billion program.

I guess all those new drivers will be looking for an academy driving school NY.  That also means that the DMV in NY will still be passing out less license plates for gas-guzzlers.  Of course, that does not mean that anybody was learning to drive should not take driving safety courses.  Of course, now new and old drivers can take a NJ defensive driving online class instead of actually going to a classroom.

I still think the government needs to get their sh-t together!  Maybe if some of these senators and congressmen took a cut in pay they could afford more programs like this.  You know, they might even be able to help the budget.  It seems like everybody else in the country is taking a pay cut why not them as well.  Even if people would just take the bus, metro rail or even the subway to work would help.

However, people like their independence too much.  People enjoy the ability to get out and go where they want when they want.  Even if that drive is to work and home again, many people enjoy it.  Although, in some cities I would never get into the traffic jams because too many people get angry and cause more problems.  This is one problem that will take longer to solve.

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Canadian Traffic Tickets

If you want Ontario, Ottawa or Toronto traffic ticket defense you have to contest your ticket, you need to follow the instructions on the rear of the ticket, which usually involves bringing it into the local court office where the offence is alleged to have occurred.  Some locations allow you to mail it in, although many do not. If you pay the ticket, or if you fail to respond to the ticket within a set period, you will be found guilty and sentenced to the fine on your ticket, you may also have some additional minor court costs.  A Canada careless driving ticket can cost you more than you think if you ignore it.

Media executives say that rather than blasting consumers with TV-style ads that are expensive, the urgency of using the Web to glean data and target consumers directly is better financially due to the advertising downturn caused by the recession.  In fact, Walt Disney Chief Executive Robert Iger began a discussion about new ways to market to consumers at the Fortune Brainstorm TECH conference in Pasadena recently describing himself as, “pretty bullish about what technology is going to allow in terms of behavioral tracking.

Executives from AOL, a division of Time Warner Inc, News Corp and IAC/InterActiveCorp echoed similar hopes about the potential to reach consumers online.  As advertising dollars grow ever more scarce, companies have been forced to rethink how they reach consumers and have moved away from the traditional 30-second spot to the kinds of targeted, Internet-driven marketing campaigns that have been talked about for years.

Internet advertising in the United States — a $23.4 billion market in 2008 — was down 5 percent in the first quarter of this year and Iger and other executives say the sector may not return to the historic growth trajectory seen before the recession.

Jonathan Miller, head of News Corp’s Digital Media Group, believes advertising is undergoing, “fundamental changes … and you have to tease them out of the recession effects. “Marketing is on an arc to become more efficient. My dollar should go further. And that says the advertising pool may not grow at the rate that it’s traditionally grown at, even out of this recession.”

Targeting consumers via demographics, profiling, and their social networks, “you learn a lot about people and you can identify them,” Miller added.  The thinking among these media executives is that advances in technology is enabling them to build more detailed profiles of consumers — which can then either be sold as a commodity or employed in their own marketing campaigns.

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AOL Chief Executive Tim Armstrong, former sales chief at Google Inc, also sees new marketing opportunities from consumer referrals and tracking.

“Where people actually go, what they do, how they do it,” he said. “It’s not just about data, it’s about the insight. If you’re Procter & Gamble, or Kellogg’s, or Coke or whatever, forget all the data. What is the insight you get out of it? How does that actually change your perception?”

However, Ed Moran, director of product innovation for Deloitte, said tracking tastes and developing profiles is fine, as long as advertisers do not make the old media mistake of finding their optimum consumers, only to show them a commercial.  Moran said next-generation advertising will be driven by the tastes and habits of 14 to 24 year-old “millennials” whose lives center on social networks and Internet-enabled handsets.

“A more effective way of reaching these young folks … is to use their social networks as influencers, rather than bombarding them with ads,” Moran said.

Chief executive of Web giant IAC/InterActiveCorp, Barry Diller,  said Internet advertising must evolve from displays and become integrated into the content of websites.  Ashton Kutcher, an actor and media producer, chimed in at the conference, saying the billboard-style ads are already outdated.

“People who have grown up on the Internet have trained themselves not to see it,” he added.

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My Take: I do not care what kind of commercial it is, commercials always interrupt what I am looking at were doing.  I do not like commercials.  I understand what they are for and why businesses use them.  That does not mean that I have to like them.  Do not get me wrong, I have seen some commercials that were actually enjoyable.  However, most of them are stupid in my opinion.

The commercials that are really annoying are those info commercials.  You know the ones, the ones that say call our data center and get this product for a reduced price.  You may be living on the West Coast but you are probably calling a Chicago data center.  These are the ones you have to be very careful of because of the small print you cannot read and they speak so fast you miss it and end up subscribing to a monthly product and paying for.

If I preferred any type of “commercial”, they would be the kind you find on Greek tees.  The advertising you find on T-shirts is so much more enjoyable and you can easily ignore it because you are talking to the person and not the shirt.  Usually, you will see a Greek shirt with the logo of a fraternity or sorority on it or even a corporate logo.  However, you do see them occasionally with something other than a cute saying or phrase.

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Convention Advertising

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It seems that Jude Law may be in trouble with the police.  He is definitely in trouble with Harsha Gopal, a photographer that is filing an official complaint against him for hitting her in the head in London.  She filed the complaint at the Charing Cross police station according to the London Paper.

“I felt his hand come across my face,” she says. “It was really loud – there was a massive thud and my face is still stinging.”  She is accusing Law, 36, of hitting her in the face after she snapped pix of him outside a restaurant in Mayfair on Wednesday.

Unfortunately, for the “Alfie” star, fellow photogs snapped incriminating images that show the irate-looking actor baring his teeth as his hand makes contact with Gopal’s head.  The shocking pix were plastered across some English tabloid covers.  That night, fellow shutterbugs surrounded the star outside of the Wyndham Theatre in Convent Garden.

“When Jude left the theater photographers started booing and hissing at him, holding up newspapers with pictures of Jude and Harsha on the front page,” one witness tells PerezHilton.com. “There were a few who wanted to stand up to Jude – they were demanding he apologize.”

Law insists he already did, and that the accident has been blown out of proportion.  Law’s lawyer, Graham Shear, released a statement calling the claims “nonsense.”

“[Wednesday] night’s incident was an accident,” wrote Shear. “Jude was blinded by the camera flashes when he left the restaurant, raised his hand to shield himself and inadvertently struck somebody standing very close. He apologized and left. Pictures of this sort can often be misleading.”

The actor had another run-in with paparazzi snappers back in 2007, when he was arrested on suspicion of causing bodily harm after trying to yank a camera from a photographer’s hands outside of his home in London. He was released without being charged.

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British actor Jude Law has denied punching a female photographer during an evening out in London, insisting the incident was an “accident.”  The Alfie star was surrounded by snappers as he exited Automat nightclub in the early hours of Thursday morning.  He was accused of hitting an unnamed woman photographer on the head and slapping her in the face as she tried to take his picture.  But the star insists he was blinded by camera flashes and didn’t mean to strike the female with his flailing arm.

A statement from his lawyer, Graham Shear, reads, “This is all nonsense. Last night’s incident was an accident. Jude was blinded by the camera flashes when he left the restaurant, raised his hand to shield himself and inadvertently struck somebody standing very close.  He apologized and left. Pictures of this sort can often be misleading.”

Law was previously accused of assaulting a paparazzi photographer in 2007 – he was arrested on suspicion of causing actual bodily harm after attempting to grab a camera outside his London home. He was later released without charge.

Law is the latest in a long line of celebrities who have endured scuffles with the paparazzi. Lily Allen was cautioned by the police in 2009 for assaulting a snapper outside her home, and the incident later caused her problems in obtaining a U.S. work visa.  In March this year she was granted a court order banning the paparazzi from getting too close following another scuffle with the press.

And rapper Kanye West twice fell afoul of the law when he tussled with photographers at LAX airport, Los Angeles in September 2008 and in Newcastle, north England in November 2008.

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My Take: I can actually see both sides of this coin.  People want to know what their idols are doing, good or bad.  However, those idols also deserve their own privacy.  When that privacy is invaded, they get just a little bit irate.  The way the paparazzi swarm around them is just a little bit too much.

People can be very fanatical about their idols and will go to places where they can download movies free just to see them.  Some people will get movie downloads repeatedly of one particular actor or actress because they are fanatical.  Paparazzi’s can be just as fanatical as fans.  I understand that some paparazzi actually go so far as breaking into homes of famous people to get their photographs.  This I believe is wrong.

Some fans even will make a DVD copy of a movie and then put the original a way to keep it safe.  LA music CD duplication is on the rise for fans of Michael Jackson even.  The reason is that they want their original CD to remain intact.  The lengths that fans go to, to get information about their idols and to preserve the things their idols make, both music and movies, is amazing.

However, I believe that every country should do its best to put in some kind of regulation or law that controls the paparazzi to some extent while preserving the freedom of the press.  This is going to be an almost impossible task.

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During the 5th week of deliberation on the Healthcare Reform Bill, the American Medical Association endorsed package that came out of two House of Representatives committees.  Meanwhile the Senate Health, Education, Labor and Pensions (HELP) Committee finally completed markup of its own bill.  Passed health care reform bills have been stalled by the doctors group that sent a letter to the three House committees working on a bill saying that it approves of it.

“This legislation includes a broad range of provisions that are key to effective, comprehensive health system reform,” said AMA President James Rohack, MD.

The group lauded provisions in the bill to reform the sustainable growth rate formula used to calculate Medicare physicians’ payments, and to add additional payments for primary care physicians without reducing payments to specialists.  President Obama, who asked the AMA to support reform at its annual meeting last month in Chicago, thanked the group for backing the House bill.

“I am grateful that the doctors of the AMA have chosen to support health insurance reform that will lower costs, expand coverage, and assure choice and quality healthcare for all Americans,” Obama said in a statement.

Although the AMA’s endorsement was good news for the reform effort, the House bill had a setback on Thursday when Douglas Elmendorf, the director of the Congressional Budget Office (CBO), told the House Ways and Means Committee that the bill is not budget-neutral, which has long been the promise of the president.

“The coverage proposals in this legislation would expand federal spending on healthcare to a significant degree, and in our analysis so far we don’t see other provisions in this legislation reducing federal health spending by a corresponding degree,” Elmendorf told the tax-writing committee.

Meanwhile, a contingent of Democrats on the House Education and Labor Committee spoke in support of a single-payer system — a marked difference from the Senate HELP panel, on which only Bernie Sanders (I-Vt.) backed single-payer.

The system is unpopular on the Hill and was never seriously discussed — at least not publicly — as a potential part of a reform package.  But in the first day of the House Education and Labor Committee’s markup, several Democratic members said while they back the bill, they wished it included single-payer plan rather than introducing a government-run public plan to compete with private plans.

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“It’s not perfect because it’s not a single-payer plan,” said Rep. Lynn Woolsey (D-Calif.)

Rep. John F. Tierney (D-Mass.) also said he supports the single-payer approach, as did Rep. Dennis J. Kucinich (D-Ohio).  The House bill “further entrenches the for-profit insurance based system,” Kucinich said. What isn’t much different between the two chambers is GOP bashing of the Democrat-produced bills.

Rep. Tom Price (R-Ga.), a physician, said he “left the practice of medicine . . . for precisely this moment in public policy,” but said that the current bill would result in a system “built on mandates, rationing, bureaucracy, and taking healthcare decisions away from patients and their physicians.”

But neither dismay over the lack of a single-payer plan, nor partisan squabbles held up progress. On Friday, the Education and Labor Committee sent its portion of the bill to the floor with a 26 to 22 vote, and the Ways and Means Committee passed its portion of the bill in a 23 to 18 vote.  The Energy and Commerce Committee still must approve its portion of the bill.

In the Senate

Also in the 5th week, the HELP Committee sent its final bill to the Senate floor, although it won’t likely be up for a vote until the Senate Finance Committee reports out its own bill, which could be a while considering the panel has yet to introduce a formal bill.

After a nearly month-long markup, acting HELP chairman Chris Dodd (D-Conn.) said he was disappointed that no Republicans on the committee voted for the bill, but said that “a good bill is more important that a bipartisan one.”

In a week 6, President Obama was defending his healthcare reform effort on national TV.  The push for legislation slowed on Capitol Hill as senators postponed any action until after the August recess.  However, the House appeared poised to take a vote on its bill in week 7.

The House is scheduled to begin its recess on July 31, a week before the Senate.  Two House committees — the Ways and Mean and Education and Labor — have finished work on the bill and sent it the full floor for a vote.  But the effort hit a snag in the third committee responsible for Health Care, Energy and Commerce. That panel stopped short in its markup process after approving amendments on Monday night.

Fiscally conservative “Blue Dog” Democrats oppose the cost of the bill and have said they’d vote against it if the total price tag is not significantly reduced. The plan would cost more than $1 trillion over 10 years. But on Friday, various media outlets reported that Commerce chairman Henry Waxman (D-Calif.) had announced a “breakthrough” in negotiations and said his committee might have the votes necessary to report out the measure.

However, if the Blue Dogs stand firm in opposition, Waxman said the committee might discharge the measure and send it to the floor for a vote without its endorsement.  House Democrats plan to meet to decide their next step.

Meanwhile, President Barack Obama, who has been campaigning hard for healthcare reform in the face of Republican attacks and doubts within his own party, called a press conference and spent all but a few minutes of it promoting the plan or dealing with questions the subject.

According to J. James Rohack, M.D., president of the American Medical Association, the congressional recess will be a critical period in determining the fate of health-care legislation.

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My Take: I just wish they would hurry up and get their asses in gear and come to a decision that everybody will benefit from, namely the average citizen.  The Senators, Representatives, Congressmen and the President do not have to worry about their medical or dental because it is provided for them.  It is the rest of the nation that has to worry.  Well actually, not the whole nation just those that can afford medical or dental.

I am on disability and I get Medicare through an HMO.  I was amazed when Medicare was started to authorize money for glasses and hearing aids and thankful at the same time.  I just wish they would authorize dental care.  I need to see a dentist so bad it hurts!  If I would have had access to regular dental checkups, I would not be in this situation.

However, the government does not think dental care is needed for adults, because they will not pay for it.  They must believe that adults do not get toothaches, break teeth or need dentures.  They do seem to realize that people move do need to see and hear things around them.  When are they going to get the idea that people need to be able to chew their food properly?  Maybe they just expect people to gum it!

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The Southland’s coastline so a moderate swell up of the central South Pacific, along with strong rip currents and some possible coastal flooding according to forecasters.  According to the National Weather Service, a slight chance of shower or thunderstorm activity will come with an infusion of mid-level moisture in the mountains of Ventura County, the antelope Valley and the mountains of Los Angeles County except for them Santa Monica range.

The region’s heat wave, meanwhile, will ease slightly — producing near-normal conditions — but strong high pressure over the Four Corners region is pushing westward, which will produce a return to high, above-normal temperatures, according to the NWS.  The heat wave will last until at least mid-week, July 29, with the hottest days expected Monday and Tuesday, NWS forecasters said.

The NWS forecast highs of 74 today, July 24, in Avalon, Newport Beach and at LAX; 82 in Long Beach; 83 in downtown L.A.; 84 on Mount Wilson; 86 in Anaheim; 88 in San Gabriel and Burbank; 89 in Pasadena; 95 in Woodland Hills; 97 in Newhall; and 102 in Palmdale and Lancaster.  Temperatures are forecast to rise a few degrees starting Saturday and revert to roughly today’s levels next Friday.

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“The heat wave could pose health hazards for anyone outdoors, especially for the elderly, small children and pets,” an NWS advisory said. “If you plan on being outdoors, remember to remain hydrated by drinking plenty of water, wear loose-fitting clothing and a halt, and remain in the shade or indoors as much as possible.

“Never leave children or pets in cars with the windows up or cracked during the day, even for a very short time, as temperatures can quickly reach lethal levels.”

Along the coast, a high surf advisory issued by the NWS will be in effect until 10 p.m. Saturday, July 25, in Ventura, Los Angeles, Orange and San Diego counties.  Also in effect, until 10 p.m. Saturday, is a coastal flood advisory along the Orange County Coast, and NWS forecasters said that minor coastal flooding was possible over low-lying, south-facing beaches in Los Angeles and Ventura counties.

The high surf was blamed on a “moderate” swell out of the central South Pacific. Forecasters said it would produce surf of between 4-6 feet, with maximum sets of up to 8 feet.

The NWS advisory also cautioned of high tides and high surf that could bring minor coastal flooding of exposed low-lying areas and minor beach erosion.  They also warned those planning to swim in the ocean that conditions may be dangerous and they should remain close to a lifeguard station in case of a problem.

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My Take: I do not feel sorry for Southern California in the heat wave.  I do sympathize with those that are in the areas it may be flooded because that is not fun.  As for the heat wave, I say “Poor Southern California”!  They think 90° is hot?  Why do they not try coming to Arizona during the summertime?  It only gets between 100°-115° in the summertime.  It is really nice, NOT!

Of course, there is one difference between Southern California and Phoenix Arizona and that is the humidity.  Arizona only gets the humidity during the monsoon season when the rains are supposed to be here.  It seems like most of the time we get lots the humidity in very little rain, at least in Phoenix.

This is the place for you do not want to be a firefighter wearing Flame Resistant Clothing in the summertime.  Flame resistant coveralls may be great when you are fighting a fire, but not in 115° heat on top of it.  During the summertime, firefighters would prefer being at Big Surf and surfing at on Arizona’s own man-made waves.

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Summer Fun

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Bronx needs to capitalize all that it has going for it.  A partner in the exclusive real estate marketing and development firm Seventh Art Group, David Williams, is giving a new look to The Plaza, 995 5th Ave., four seasons and some of the best condominiums from Dubai to Dallas.  He is helping to give the Bronx and image overhaul because he thinks image is everything in New York City.  He is attempting to overcome the lingering stigma to borough has had for many years and bringing out its strong points like outdoor space.  Those who know the borough love it and Williams has suggested revamping it will make it better.

Working with his team, Williams came up with this slogan:  “If you think you know the Bronx – Think again.”  For those that don’t know, the Bronx has some of the best first-home opportunities in the five boroughs. It offers the optimism and dreams associated with home ownership, with prices starting at $129,000 for some one-bedroom condos.

“Opportunity is what the pride of the Bronx hinges on, and opportunity is what this economic downturn ultimately means,” Williams said. “The Bronx is a place to thrive. A place to step off from. It’s where many successful people came from.”

Woody Allen, George Carlin, Robert De Niro and Al Pacino. Jennifer Lopez, Mary J. Blige and Cuba Gooding Jr. Edgar Allan Poe and Sonia ­Sotomayor. They are just a few of the notables who grew up or lived in the borough.

“You have three generations of great celebrities coming from the Bronx,” Williams said. “It’s not just a blip in time. It’s something that has a great history. It’s a breeding ground for all these great people.”  Williams finds it ironic that while so many Hollywood types come from the Bronx, Hollywood presents a skewed view of the borough.

“The television show ‘M.A.S.H.’ made South Korea seem like a place that was constantly at war,” he said. “The same problems happen with the Bronx. Right now, you have ‘The Taking of Pelham 1 2 3’ in the theaters, and that’s not even remotely close to the true Bronx.”

He also points to “The Bonfire of the Vanities,” the well-regarded novel by Tom Wolfe that portrays the Bronx as crime-ridden, dangerous and dirty, which at the time of the book, a couple of decades ago, it was. But that scene is well in the past.

“Wolfe takes the Bronx down to a stereotype,” Williams said. “The media has given the Bronx a bad rap. I don’t necessarily mean the news, but literature, Hollywood features and television.”

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The Bronx’s dozens of neighborhoods tend to lack identity, said Williams. While those neighborhoods are some of the most diverse in the world, Williams said people who don’t live there don’t differentiate among them, and those who are from the Bronx often downplay their borough, saying they are from “New York City.”

“We need to get to the point where people recognize that if you are from the Bronx, then that is something to be proud of,” he said. “People recognize the charm of [Brooklyn’s] Cobble Hill, the cutting edge of Williamsburg and the brownstone culture of Park Slope. There are between 44 and 69 different neighborhoods in the Bronx, depending on whom you ask, that most people don’t even know the names of … one quarter of the entire borough is open space. It has the highest elevation of any land in the five boroughs. It has some of the best education in the boroughs.”

When will the Bronx know that it is had “made it” as a brand?

“We have to get to the point where being Bronx born and raised is something that people are going to wear on their baseball caps,” Williams said.  Or when J.Lo wants to move back.

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My Take: I understand what David Williams is saying about the Bronx having a certain stigma about it.  Movies and series have made the Bronx that be the birthplace of gangsters and criminals and some of the worst games in the country.  However, it is also made Bronx a very well known place for the actors, authors and heroes that have come from the Bronx.

I know if I ever get a chance to visit New York, the Bronx is one place I would like to see because I have seen so much of it in the movies, like the Bronx Zoo.  Of course, you have to admit that movies and TV studios have a tendency to show the bad side of the Bronx.

That is like the Haight-Ashbury District in San Francisco.  It sets right off of the Golden Gate Park.  In the 60s, it was the place to be if you were a hippie.  However, at one time it was like a small town where everybody knew everybody else.  However, because of the “make love not war” era, it got a bad reputation just like the Bronx did.

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Wall Street is waiting for the other shoe to drop on the already weak US economy.  They have been waiting for almost 6 months for a US commercial real estate decline that would rival the housing market collapse.  However, surprisingly enough the lenders have been keeping that shoe in the closet and forestalling foreclosures by extending loans even with the rapid rise in mortgage default rates

“In today’s environment, it’s obviously not very attractive to foreclose on a borrower,” said Matthew Anderson, co-founder of real estate consulting services firm Foresight Analytics.

The U.S. commercial real estate sector has been grappling with a credit crisis that has dried up some of its most important sources of lending. That has left many borrowers unable to refinance maturing mortgages. Even when they can obtain financing, borrowers are often obtaining much less than they need.  Lending is based on a percentage of a property’s value and prices are off 34.8 percent from their peak in October 2007. Many see the decline reaching 45 percent.  But banks have been loath to foreclose on the mortgages and are extending them.

“They’re taking loans that don’t have a cash-flow problem, but definitely have a valuation problem, and they’re pushing those out to the future,” Anderson said.

About 4.5 percent of bank commercial real estate loans were 30 or more days delinquent in the second quarter, up from 3.6 percent in the first quarter, according to Foresight Analytics. Nonaccrual — or the percentage of the loan balances that banks believe borrowers will fail to repay — rose to 2.6 percent in the second quarter from 2 percent the prior quarter.

Banks account for about $1.7 trillion, or half, of U.S. commercial mortgages outstanding. The delinquency rates have been increasing since the second quarter 2007, when they were 1.2 percent, according to Foresight.  Yet foreclosed loans as a percentage of nonaccruals has been declining, down to 19.7 percent in the first quarter from over 30 percent three years ago, according to the most recent statistics from Foresight.  The practice of extending loans has become so prevalent, it has earned its own catch phrases — “push-outs,” “kicking the can down the road” and “a rolling loan gathers no loss.”

For those who are experiencing mortgage problems . . . A good mortgage company makes use of the most aggressive and most competitive lenders available in today’s marketplace for clients who are on the verge of commercial mortgage foreclosure.  They should be constantly attuned to the internal forces within lending institutions that create the temporary pricing disparities. Because of the breadth and quality of the lending relationships, they should be consistently successful in identifying these disparities and converting them into advantageous borrowing opportunities for clients.  Long established relationships with insurance companies, savings banks, foreign and domestic commercial banks, private lenders and hedge funds, Fannie Mae, Freddie Mac, and pension funds should allow them to provide clients with the most competitive terms and most reliable executions in the market as commercial loan brokers.

THE PERVERSE LESSON

Banks have many reasons not to foreclose.

First, it’s an expensive processes. Secondly, banks are not in the business of owning real estate. When they sell a property, they face the same distressed market their borrowers would face, leaving them saddled with more losses.

They also have learned a “perverse lesson” from past commercial real estate downturns, Anderson said. After they dumped bad loans in the early 1990s, banks watched as buyers of the distressed loans, such as Goldman Sachs Group Inc’s Whitehall Funds, made a fortune when the market rebounded.

Banks already are dealing with losses from other sectors, such as home mortgages and credit cards delinquencies. Pushing the commercial real estate problem further into the future may allow banks to be in a stronger position when they finally face the issue.

“Rolling it over does not solve the issue,” Daniel Penrod, senior industry analyst for the California Credit Union League said. “But at this point, adding another negative to the current economy could be disastrous. If this were the only factor in the economy that was struggling, we could let it play out with all the other factors. Allowing it to catch its breath for six or 12 months may help shorten the current recession.”

Property values could fall should loan extensions not be long enough to give borrowers confidence that they will retain the properties. A three to nine-month extension could discourage a borrower from paying for needed maintenance and improvements.

“The thing I hear most frequently from borrowers is: ‘Why would I put capital into it?’” said Jere Lucey, managing director at Jones Lang LaSalle Inc (JLL.N), Real Estate Investment Banking.  But the lending market for loans under $35 million has thawed since the start of the year, said Deutsche Bank research analyst Richard Parkus.

“They should not be out there extending loans because there’s a financing market,” he said. “If there’s a loan that doesn’t qualify, it shouldn’t be extended unless it could be reasonably assumed to qualify in two to three years, given an extension.”

A new mortgage might not cover the full payment due at maturity. But that shouldn’t relieve a borrower from kicking in more equity or obtaining a mezzanine loan to fill the gap.

“If a borrower can’t get additional financing, it should be foreclosed and liquidated,” Parkus said.

A larger problem of loan maturities in the future may be caused from postponing foreclosures.  Next year sees approximately $270-275 billion of loans that will mature the available capital that is seen when refinancing rollover loans may come at the expense of new loans

“If it continues, essentially for most of the next decade, we’re really just going to be dealing with today’s and yesterday’s debt,” Anderson said.

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My Take: This is very confusing to me.  A real estate loan is a real estate loan, whether it is residential or commercial.  Does this mean that there is a possibility of another recession starting because they are having problems with commercial real estate loans?

It is very difficult for me to understand the difference between a home mortgage Louisville and a commercial mortgage.  The obvious difference is the amount of the loan; one is larger than the other is and usually in the millions.  However, even a home mortgage can be in the millions.  So what is the real difference between KY refinancing and commercial refinancing?  I have no idea.

Maybe it is not so much the difference between the loans as what the results will be.  If a commercial mortgage defaults, it usually means that the business has ended.  Businesses going out of business could definitely affect the economy.  This would mean more unemployment because the business had to lay off their employees.  Other than this, it remains a mystery to me.

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Other Resources

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