During his 2005 commencement speech at Stanford University, Steve Jobs talked about three personal anecdotes that illustrated some important points for the graduating class. These stories represent the things he wanted to work together on:

1. Connecting the dots

Key points:

Dropping out of college – six months after starting at Reed College, Jobs dropped out but continued to hang around campus and take classes that interested him.

Calligraphy class – although it seemed impractical at the time, taking a calligraphy class was integral in designing typography on the Macintosh computer.

Trusting your path – you can’t connect the dots looking forward; you can only connect them looking backward. Trusting that your future dots will connect down the line is what gives you hope even when it doesn’t make sense now.

Lesson: Have faith in yourself by following your curiosity, even if it seems irrelevant at present.

2. Love & loss

Key points:

Founding/firing from Apple – Starting Apple in his parents’ garage and getting fired from a company he built up were mentioned by Jobs.

Finding new passion(s) – Following those events, he found other projects (NeXT, Pixar) which eventually brought him back to Apple.

Importance of loving what you do – He said people should seek out what they love because work will consume most of their lives; and you can only be satisfied if you do great work believed in.

Lesson: Continue striving for success despite failure setbacks as this may open bigger doors later on.

3. Death

Key points:

Facing mortality – Being diagnosed with an uncommon form of pancreatic cancer made death more real for him than ever before, according to Job’s speech.

Living purposefully – Realizing life is short and not wanting to waste any more time living someone else’s dream or being confined by other people’s thinking after such an experience changed everything for him personally;

“Stay hungry. Stay foolish.” Afterward he concluded with this advice from the back cover of the final issue of The Whole Earth Catalog, which urged people to never stop being curious and settling down in their lives.

Lesson: Recognize life’s impermanence so you can focus on what really counts – continual growth and learning.

In summary

Steve Jobs’ three narratives from his commencement address share these collaborative themes:

Trust the process – stay curious even when there isn’t a clear path ahead.

Follow your passion – don’t give up on what you love because setbacks are stepping stones to better opportunities.

Live purposefully & urgently – embrace change as a necessary part of growth while staying curious all through life about everything around us.

These ideas collectively encourage individuals to trust themselves, work hard at what they are passionate about and live intentionally with curiosity every step of the way.

Here’s Steve Jobs inspirational commencement speech.

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• This discussion was modified 6 months, 2 weeks ago by  Gustan Cho.

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3,9 jt tayangan · 1,5 rb komentar | The story of this man is so inspiring and worth listening to. He changed his story by the action he took in difficult times, change yourself listen and... | By Barka U. MsheliaFacebook

The story of this man is so inspiring and worth listening to. He changed his story by the action he took in difficult times, change yourself listen and...

What is the purpose of TRID? What is TRID in the Mortgage Loan Process? What Are The Requirements of a TRID Loan? What Are The 6 TRID REQUIREMENTS? WHAT ARE THE RULES FOR TRID COMPLIANCE?

How does disability affect relationships? Can disabled and unattractive men have a romatic relationship with beautiful gorgeous women? Do beautiful women find disabled and handicapped men attractive? How do you deal with a disabled partner? Can you still have a romantic and lifelong relationship if your spouse becomes disabled? Would you marry a disabled man and not laugh at his handicap? What do others think about a disabled man married to an attractive woman? Women who have been marrying unattractive high status men since forever. Here is a video about six disabled people who married beautiful women.

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• This discussion was modified 6 months, 3 weeks ago by  Gustan Cho.

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2,1 jt tayangan · 34 rb tanggapan | 6 Disabled People Who Married Beautiful Women | 6 Disabled People Who Married Beautiful Women | By Wow StoryFacebook

6 Disabled People Who Married Beautiful Women

Inspirational story on how dreams can come true 👍 How dreams comes true. Immigrant family moves to the United States and parents hold menial jobs with a son making ends meet. Son is talented in basketball and makes it to the the NBA and buys parents a new house. Son had a friend who believed in him and gave him rides to basketball practices throughout his friendship and son buys friend a brand new car. Inspiring story.

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• This discussion was modified 6 months, 3 weeks ago by  Gustan Cho.

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Rich Kid Makes Fun Of A Poor Immigrant Boy | By Dhar MannFacebook

Rich Kid Makes Fun Of A Poor Immigrant Boy | By Dhar MannFacebook

Many hard-working people are putting their hard-earned money away in the bank. Consumers do not trust the banks and the dollar. The dollar is losing its value as time pass. One dollar today will be worth half its value in the next few years and keep deteriorating to become worthless. The dollar is not backed by anything. The globalists such as the Rothschilds, Rockefellers, Bushes, and Democrats control the Feds and print money whenever they need. So what is the average hard-working American should do to protect their assets? Buy Gold and Silver. Silver in the low $20 per ounce is a screaming buy. Do not buy paper silver. Buy the actual silver bars. The Globalists are shorting the living shit out of silver because of fear. You will not go wrong. Get all of your money in silver or Gold. Silver will go to over $1,000 per ounce. We will keep this thread ongoing.

Online users are more inclined to click on organic search results than paid Google Ads and other paid advertisements. To maximize getting organic traffic from SEO, you need to create content that benefits users with strong keywords on a high domain authority website, online communities, and forums. However, Google updated its search engine algorithm recently where online communities and forums with high domain authority have a lot more SEO power versus blogs from websites. The reason behind this is there is only one authority (the blog author) that has full control on blogs and once the blog is published, it become aged content. However, on online communities and forums, the author of the topic on the FORUM posts the topic (Keyword and/or Keywords) and publishes the content. As the time pass, you have participants to the post you posted. Each time a user posts a reply, feedback, and adds content to the original post, the content becomes updated content and benefits the community. Therefore, Google and other search engines will give higher domain and page authority on forums versus blogs. This does not mean that you should not keep your website and continue posting blogs. Blogs is the foundation of you increasing your domain and page authority of your website. However, it takes longer and time to create and build a website with a solid foundation. Use online communities, and forums to compliment your website and become guest writer on other high domain authority websites with a do-follow back link to one of your articles. Forums are great in building do-follow back-links. We will continue more on this important SEO tool so you brand yourself and have Google and other search engines to recognize you as an authority in your field and not spam.

• This discussion was modified 6 months, 3 weeks ago by  Gustan Cho.
• This discussion was modified 5 months ago by  Sapna Sharma.

I posted on the forum some months ago, and on other social media, an article on Gustan Cho and Associates. How we met and the process of applying for a mortgage. I also explained how his team waded through misinformation on my wife’s and my credit rating. His diligent help secured us a mortgage on a new home in Ocala, Florida. Ocala is centrally located in the middle of the state, an hour and a half drive to the Gulf of Mexico and the Atlantic Ocean. We escaped the traffic and all the new arrivals in Tampa. This may be the last toe hole in Florida that is very nice and affordable. Gustan Cho was able to get us a very reasonable home mortgage and insurance, which we bundled and saved more money on.

The interesting thing about Gustan Cho and his team is that their values extended past the signing of our loan. He researched lower rates, and one week before closing, he had us reapply for the mortgage. A very scary situation with the closing the week later. He streamlined the loan, and we were giving a mortgage at a lower rate—1.75% lower—a huge savings each month. His business mantra, which I explained in my first article, held true even after closing.

His concern for people is something you will never find in a clause in a contract.

As of today, Gus is constantly looking for a lower rate. When the rate goes down and there is equity in the home, it might be time to refinance. If so, Gustan Cho is on it.

The entire moving process is extremely stressful, to say the least. Starting with the mortgage, then home owners insurance, not to mention the dozen or so phone calls for change of address and medical coverage. We moved 100 miles away from Tampa, and we are in a whole new PPO medical insurance district. All the prior information given has to be re-given. The insurance company must explain each and every plan; after two hours of nonsense, we had the same medical plan as before. I swear the phone calls, automatic messages, and the AI giving advice were the most stressful.

All the horror stories about moving are true, and for the most part, my wife and I were very fortunate. Starting with a wonderful real estate broker, who, as Gus, looked out for our best interests. I always wondered who a real estate broker works for. They need the house and the owner to sell the home, and then they also need the buyers.

The moving company was exceptional. We called four for quotes, and ironically, the one we chose was the least expensive. They arrived at 10 a.m., two trucks and seven guys. The packing of our items was handled with great care. The bubble wrap they used was close to two miles long! Nothing was damaged; they needed an additional truck at no charge; they kept to the quote on the contract; there was no small print to trip you up. When the ordeal was completed, moving everything in and arranging what and where we wanted items, it was 11 p.m. A hard day’s work. The work ethic with these guys was amazing!

Other nightmares you may have heard or experienced for yourself were about builders. We have friends who had a $400,000 home built. There were dozens of issues with plumping, electrical, etc.; calls were placed and never returned; they have been pursuing the builders for over a year. Our builder’s assistant has been over every day for the first week, fixing minor things that occur normally with a new home and keeping true to the home warranty. Each worker, and sometimes three workers at a time, showed up respectful of our home and continuously apologized for the inconvenience.

If you need a real estate broker in Florida, get in touch with new homes on a quarter acre for right now under $280,000! The same is true for an outstanding mortage guy. If your need is movers in Florida, let me know. I will be more than happy to pass on information that will make your Florida move actually pleasant.

What happened last week that mortgage rates are plummeting. The 30-Year Treasuries dropped to 3.8% which tanked mortgage rates on government loans from 7.0 to 6.0%. 30-year U.S Treasuries were as high as near 5.0% just a few weeks ago. Gold increased to over 2,500 per ounce which is a historic high. Silver did not follow gold prices because banks were short selling Silver like crazy because banks and the Globalists have a huge short position and are afraid of getting margin calls on their Silver short positions. What economic numbers came out that caused the financial markets upside down? Will mortgage rates continue to plummet? Will it be beneficial to refinance now? How about doing Streamline Refinance on FHA and VA Loans? If I do an FHA or VA Streamline Refinance loan, can I do another FHA Streamline or VA Streamline Refinance loan if mortgage rates drop again? What are rates on conventional loans?

What is appraisal fraud.

https://youtu.be/3r5LURDt7lA?si=9ah5tjSYqG40TDbb

What is the difference between FHA AMENDATORY CLAUSE and VA AMENDATORY CLAUSE?

• This discussion was modified 6 months, 2 weeks ago by  Sapna Sharma.

Starting August 17th, 2024, homebuyers need to sign a Buyer’s Purchase Agreement with a Buyers Real Estate Agent stating the homebuyers will pay the homebuyers real estate agent. Starting August 17, 2024, homebuyers must enter into a written agreement with their buyer’s real estate agent before seeing a house. This is part of the settlement agreement with the National Association of Realtors (NAR), which aims to make this relationship more transparent and formal between buyers and agents.

Key Points About the New Requirement:

Written Agreement:

Before touring homes in person or online, homebuyers must sign a Buyer’s Purchase Agreement with their realtor. The document outlines the agent’s services and how they will be paid​.

Compensation Disclosure:

An agreement should clearly state what compensation the real estate agent representing the buyer will receive. This happened indirectly through the MLS (Multiple Listing Service), which often showed seller compensation offers to buy agents​.

No More Compensation Offers in MLS:

The new rules ban real estate listing offers for compensation in MSL listings. This means buyers and their agents must negotiate directly without involving a third party like the MLS​.

What It Means for Home Buyers and Agents:

More Transparency: Clients now know exactly what service and costs are involved from their agency.

Formalized Relationships: Such requirements establish a more professional working relationship between clients and agencies, leading toward accountability on both sides

Flexibility in Terms of Agreement: Agents can offer different provisions, such as exclusive vs. non-exclusive agreements and contract duration, among others, but compensation should always be objectively ascertainable”​.

https://youtu.be/W_kvg5ciM4Q?si=SFeViOXta8k2QJU5

• This discussion was modified 6 months, 3 weeks ago by  Gustan Cho.

My 12 year old lab is getting a younger brother, a Doberman puppy. I have always believed in having two dogs for company, they understand each other. My old guy Amici will teach the new puppy Bullet all the habits of each family member.

Hi! My name is Amici! I’m a dog. I’m a Labrador Retriever, although I detest retrieving. I was born in New Orleans, a tough town, and then shipped off to Florida. I’m really a black mutt with a curved funny tail; I was also the runt of the litter, and no one wanted me. I also have a fleshy tumor on my neck. There were many strikes against me. First, I’m black; the second, I’m the runt, I don’t lick or kiss, but I’m friendly like my name. My parents found and adopted me just before I got the needle. I was so scared I stayed in the back of my cage shivering, just waiting for love. My future parents didn’t notice me in the back of the cage, but Andy their son, found me just when all hope was lost! Andy loves all animals. Boy, am I lucky.

They brought me to their house to meet another dog, Budaj. He was a beautiful boy dog, just like me! He was white and a pedigree, and he loved me. He taught me quickly about mom, dad, and Andy. Budaj did not like men! Everyone was afraid of dad, so I learned from Budaj to dislike men. I was taught mom was the only one for us. Although I learned that dad and Andy were great guys, Budaj lived for mom. Dad has a big booming voice that shakes the house because he sings. Mom can curse like a drunken sailor during hockey games, and all is fine; dad just whispers, “drat or darn,” and me and Buds, we run in fear. I’m not sure why, dad has never yelled at me or hit me. He taught me “please,” “thank you,” excuse me,” and I responded. Budaj just doesn’t like him; he hates Andy even more. I don’t know why. Budaj says to never, ever go down the hall to Andy’s room; it’s evil. I’m beginning to believe Budes has issues.

Andy is soft-spoken and a lover of all animals. I’ve seen him capture water bugs and release them outside, and dad, well, you can only imagine what he does; it’s not pleasant.

I’m am very lucky to have a big yard with a pool. I never swim; I hate the water. That’s right, a lab won’t retrieve or swim, and I really hate car rides, all that wind blowing. I enjoy chasing squirrels around the yard. We have bunny rabbits, but dad says we don’t chase them, so I don’t. I’m a good boy. I have many pet names I’m called, and I always answer; you never know, there might be a meatball waiting for me. They call me Amici, Mici, Coco, Peco, Sweebums, Meatball; I actually have seasonal names, Pumpkin, etc.

I’m being raised as Italian, Polish, and Ukraine; boy, they can cook! Meatballs are my favorite. When dad begins to make meatballs, I can hear the wrapping coming off the meat, and I am there to help dad any way I can! Pierogis, Kielbasa, Stuffed Shells, Chicken, and Bacon are my favorites. I have so much love from my family, and the best part is that they are medically trained, not dad though; he just cooks. My Aunt Janelle is a veterinarian! Dr. Aunt Janelle says my tumor is no big deal. Love, food, and healthcare, what more could you want! I have three beds to sleep in, and I sleep in all of them, on the rugs and on the tiles when it’s hot outside.

I cried so much the night that Budaj died. He was so young and my best buddy. It took some time to get over him, I remember everything he taught me, but I love dad and Andy. Since Budaj passed, I have been barking. Budaj didn’t bark much; he woofed when Andy was near. We sold the big house with the big yard, and we are looking for a new home. I bark at everyone walking by in our present home, especially UPS; I hate those brown uniforms. My yard is small, but I go on many walks. I’m loved and well cared for. However, when dad corrects me, I feel sad, but no problem. If I don’t like what he said, I walk into another room and rest, there’s always a bed handy.

My day is full. I mostly sleep and pretend I’m guarding something. I watch western movies with dad. He exercises as he watches television, but I’m just waiting for my next meal. Wherever I’m resting, I keep a keen ear to the ground if someone steals the refrigerator or tries to sneak snacks.

My parents were told I was three months old when I was adopted. They lied so they did not have to give me a worm test. They named me Noel to pretend I was born during the Christmas season. Well, I had worms, and I was seven months old. Poor dad had to keep Budaj’s crap and mine separated for two months until I was better. Boy, if that’s not real love. I’ll be nine years old sometime in July; we aren’t sure because they lied at the kennel; no one wanted me. No one wanted a black runt of a dog with a crooked tail and worms. I give unconditional love; I’m a dog; we all do! My mom and dad, and Andy choose me unconditionally to love me. Now I know what love really is about. I hope all pets could be adopted like I was, unconditionally.

I celebrate my birthday July 4th, and boy, oh boy, so many people celebrate my birthday with firecrackers, which annoy me. It’s good to be an All-American Dog!

years old sometime in July; we aren’t sure because they lied at the kennel; no one wanted me. No one wanted a black runt of a dog with a crooked tail and worms. I give unconditional love; I’m a dog; we all do! My mom and dad, and Andy choose me unconditionally to love me. Now I know what love really is about. I hope all pets could be adopted like I was, unconditionally.

I celebrate my birthday July 4th, and boy, oh boy, so many people celebrate my birthday with firecrackers, which annoy me. It’s good to be an All-American Dog!

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What is an overview of India? Geography, Landscape, and Weather in India? Economy of India. Education and the best grade, high schools, junior colleges, colleges, and graduate schools in India. Tourism and Traveling in India. What are the best cities in India. What does $500 a month (U.S. Dollar) get you in India? How much does a average middle class wage earner make in India? How much is the average college graduate make in India? How is living in the United States like compared in India? How do you buy a house in India? What is the average cost of a house and how much money do you need to buy and finance a home? How does the housing and mortgage industry in the India work? How much does a car cost? How do you buy and finance a car in India?

Mobile home parks are great investments and are becoming increasingly popular and profitable. Who finances Mobile Home Parks and how do you qualify. What are the financing guidelines of Mobile Home Parks

What are the benefits of getting pre-approved when house hunting?

I have a question I asked multiple people who are called expert loan officers and credit repair geniuses but I am getting conflicting answers. I want to know if a consumer needs to get his credit scores up for a mortgage to a 640 FICO. He has never missed a monthly payment and has perfect payment history the past five years. He has 10 credit card accounts with all of them maxed to the credit limit. Here are the credit card balances and credit card limit. His middlw credit score is currently 525. Question is what credit card should he pay down the balance to lower his credit utilization ratio. Should he start paying down the lower limit credit first or should he pay down the higher credit limit credit card first. Here is his credit cards, the balances, and the credit limit.

CREDIT CARD. BALANCE LIMIT

1. DISCOVER $498. $500

2. CAPITAL ONE. $470. $500

3. CREDIT ONE. $490. $500

4. SELF VISA. $1,500. $1,490

5. TRUMP CARD $4,000. $4000.

6. JOURNEY CARD $2,130 $$2,200

7. CREDIT PLUS $3,490. ,$3,500

8. BUDDY VISA $1,500. $1,600

10. MISSION LANE $1498 $1,500

I have been a customer of Marine Credit Union since 2020. The reason I am a loyal customer of Marine Credit Union is because of personal banker Troy Fredrick. Troy is one of the most hard working banking professionals I have met and will not tell you what you want to hear but the facts. The answer you will get from Mr. Troy Fredrick is never a NO. It’s not if you will get a loan but WHEN. He will recommend a game plan for you to either enhance your credit profile or if it is something Marine Credit Union cannot do, Mr. Fredrick will open up potential avenues for his borrowers may explore. Troy always acts for the benefit of his clients and never steers his clients in a direction where he sees any potential harm. Troy Fredrick always goes above and beyond and I have witnessed him work diligently on a $1,000 Credit Rebuilder loan the Same diligent way he does a $20,000 loan. As a national manager of a national mortgage company licensed in 48 states including Washington DC, Puerto Rico and the U.S Virgin Islands, I use Troy Fredrick as a inspiration and role model to all my support and licensed personnel. I am a firm believer that it’s the people that make a great company and institution. There is a reason why Marine Credit Union is a leader in its field with a reputation for being the best of the best financial institution. Answer is a no Brainer. Troy Fredrick. Thank you Troy Fredrick for being you. You are not taken for granted and appreciated for everything you do for me and my family. Professionals like Troy Fredrick are the true silent heroes in life. Humble, honest, and transparent. Five plus stars. Like to thank upper management of Marine Credit Union for having platinum professionals like Troy Fredrick representing your awesome financial institution. God Bless. Marine Credit Union offers auto loans, RV loans, second mortgages, lines of credit, and most importantly, a great credit rebuilder program for people who need to rebuild and establish their credit. Contact Troy Frederick if you need the services of a great credit union at troy.frederick@marinecu.com

Here is the link for Marine Credit Union

https://www.marinecu.com/

marinecu.com

Marine Credit Union

At Marine Credit Union, we believe every member of the community can achieve the goal of financial ownership and giving back.

Here are well trained dog video clips.

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I ran into this video clip of Sylvester Stallone about there’s three types of people in your life that hit home and is so true. ❤️ 😍 💖 ❣️ 💕 💘 If you are like me, as time pass, you find out more about the bad side of people. Did you ever hear the saying, I rather buy a house with no neighbors. I don’t like people. I love animals. Indeed, this is a famous adage for people who love animals and those who like being alone or prefer a quiet life and not dealing with two-faced people. People can lie, cheat, steal, and be sneaky. Often, many people put their guard down by trusting a so-called friend to be let down and hurt. Hence, they do not want anyone to be fooled and get either scammed, betrayed emotionally, or emotionally hurt. Many people get betrayed, lied to, taken advantage of, used, or scammed by a so-called friend, family member, sibling, parent, co-worker, spouse, business partner, or employer. People can be sneaky and conniving. Married couples can turn on each other, lie, cheat, betray, and hurt. Those hurt multiple times do not want to interrupt their living conditions. It means you should have few friends or be in large crowds because they cause more harm than good. Animals do not know how to cheat, betray, lie, connive, scam, steal, or intentionally hurt. They give you unconditional love without expecting anything in return. Many people do not want to get hurt again and say this because they love animals more than anything else since these creatures are loyal and will never betray your trust or hurt your feelings. At the same time, humans can do so easily and bring problems that may affect one’s peace of mind. Here are some other versions of it:

• “I would rather have pets than friends.”
• “I’d rather live in the wilderness with my animals than in any city with people around.”
• “My animals are better company than most people I know.”

These sayings express what many individuals feel about preferring loyalty, companionship, and simplicity offered by creatures. People may choose to stay on their own without close neighbors within their vicinity, thus enjoying quietude plus the freedom of having pets undisturbed.

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• This discussion was modified 6 months, 4 weeks ago by  Gustan Cho.

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1.2K views · 42K reactions | | Kareem Reimo Zoe DeLesline | pharaoh_mak_333 · Original audio

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Felix, please post WHY NEXA WITH CEO MIKE KORTAS every Thursday at 1 pm CDT.and put a super sticky. Amanda, Jimmy, and Farah should definitely attend today in 50 minutes.

Does your dog keep checking on you? Here’s an informative video about why dogs keep on checking on you. First, dogs check on owners for protection. Second, older dogs will check on you because dog may have health issues such as early stage of dementia. Dogs can check on you because they want to play. Dogs can check on you because sense of security. Dogs can also check on you for reinforcement. Dogs can check on you due to routines. Dogs can check on you because of communication of events. Another reason for checking on you is love and bonding. Another reason to check on you because of curiosity.

https://youtu.be/SfSKjzLSHjo?si=SScI9SO25WqtCp2P

From what I understand, average home prices in Los Angeles and Orange County California is $1.5 million. If a recent college graduate from University of California Los Angeles with a $80,000 a year salaried professional job and his fiance who is a registered nurse making $70,000 a year got married, can they qualify and get pre-approved for a mortgage to purchase an average 3 bedroom, 2 bathroom, one car garage house in either Los Angeles or Orange County, California? What will be a strategy for them to become first-time homebuyers. Are they priced out of the housing market? Do they need to rent? They each have a $800 per month car payment.

The Old Man and the Chair

Every month or so I visit my ailing uncle in a nursing home on Long Island. He is the last living sibling of my mother. Alfonso is 91 years old, his memory is intact, but his body is failing. Just ask the nurses about Zio, he a regular Don Juan. His greatest joy when I visit is to wheel him out on the patio for fresh air, we reminisce about our family which are long gone, he asks of my children, but can’t remember their names, all is good with Zio Alfonso, I was named after him, my name is Al.

Every time we take the fresh air I notice an old man sitting off by himself in a make shaft rocking chair. He sits under this canapé, well not exactly, it is an old canvas tarp riddled with holes, and stares directly at the sky. The wind blows and the canapé flaps, I would find this mostly annoying having the wind in my face. The old man sits an stares for hours with a look of serenity on his face. His face is weathered like that of a man who worked outdoors, his hands were large and strong, they are calloused. His neck is broad and leather wore from direct sun. He appears to be about 90, when I ask my uncle about him, my uncle turns and says in his broken English, “pay no attention to him, he is an old fool, just sits and stares, and one comes to visit him.” My uncle lacked social skills and always had an opinion on everything. However, I paid the old man no mind as suggested.

Month after month I visit my uncle and see the old man, finally I had to ask the old man why he sits and stares. One day after visiting my uncle, who was nearing the end of his life, I got the nerve to ask him. I asked, “ why do you sit there old man?” He answered, “ this is my life now as I am an old man with no family, I sit and remember the past.” “Do you have any children, I queried?” “No,” replied the old man, “never had any, I was away from home most of my life and never settled down,” I thought how awful for the old man, alone and old. The old man said,” I am most content sitting and staring at the sky, I lost most of my eye sight some years ago from diabetes.”

I was intrigued, “ what was your occupation?” “I was a sailor,” he answered. “My home is the sea.” He went on and added, “ I joined the Navy at 16, fought in WWII, been sailing ever since.” Wow, I thought to myself, this guy is a living history book. “I long for the sea, the salt air, the wind that caressing my face, the burning of the sun on my neck, and the singing of whales.” “When was the last time you sailed?” The old man let go with a hardy laugh, some what similar to an old pirate. “ Argh, ha, ha, ha, its been maybe thirty years since I’ve sailed a schooner.” Now I’m thinking, a schooner is a small two masted boat. “Now, I just sit and feel the wind and listen to the flapping of the canapé, reminds me of the sails.” I said good bye and promised him when I returned to visit my uncle I would stop by and say hello.

The next month’s visit was saddened by the passing of my beloved Zio Alfonso. He had lived a long wonderful life, I soon realized that he was the last of the Italian immigrants arriving at Ellis Island over eighty years ago. I sat on the patio where I would wheel my uncle, I sat and stared, looking through the old man in the chair. When suddenly, someone yelled, “ hey, kid, I’m sorry about your uncle, come sit with me a while.” The old man in the chair sensed I was near.

“Why, thank you sir, he was the last of the elders.”

My Zio had left an inheritance for me, nothing big, I was his only close relative. Ten thousand dollars and a note that read, “ do something good for someone, or do someone something good.” He spoke in Yogi Berra-isms.

Never making sense at first, but eventually there were words of wisdom. I sat with the old man for an hour where I would sit with my Zio, on the back patio of the nursing home. The old man and I sat for hours never saying a word. When he suddenly said, “ would you please come see me time to time?” How could I possibly say no, he was lonely and I was still mourning my Zio. I reposted, “Certainly, maybe not every month but I will come visit with you, is there anything you need?” The old man though for a moment and said, “just a visit now and then.”

A month went by and I didn’t visit, I was feeling guilty, so the next Saturday I drove to the nursing home it was at the end of Long Island, Montauk. “Do something good for someone,” my Zio’s words resonated in my head. I had to make one stop before I visited the old man. When I arrived he was happy to see me and said, “ thanks for coming, I feel my end is near, it hasn’t been a good weak for me.” I spoke to the nurse, he was depressed and lonely. I asked the nurse if he could travel, she responded, “ only short distances with an aide.” Would he be able to take a quick ride over to the Montauk pier?” The nurse said as long as she went along.

The three of us hopped into one of the nursing homes’s van with the nurse driving.” Where are we going?”she questioned me. “Just to the pier as I winked my eye.” The old man was thrilled to be out and about. We pulled up the pier and we walked to the end, the old man knew he was close to the ocean as he inhaled deeply and sighed. I had rented a schooner for the day,” do something good for someone.” Yogi again in my head. I wheeled him to the bow and sat him in a fishing chair. As we slowly pulled away from the pier I could see the joy on his face. He finally had the wind in his sails, the sun on his neck and the seagulls were serenading him with the flapping of the sails. He quietly cried tears of joy.

When the sailing trip was done he thanked me for the wonderful memory and I promised to visit next month. The next month’s visit was my last, the old man passed away. The nursing staff said they had never seen him so happy during the last month. Before his cremation was scheduled I called the State Department to let them know of his passing. They said the Navy will depose of the his body. Three days later the United States Navy showed up with an entire fleet of sailors. He had been one of the last survivors of the USS Arizona in Pearl Harbor.

The old man in the chair was given a full naval funeral with a burial at sea in Pearl Harbor, where he now rests with his shipmates.

What type of down payment assistance mortgage programs are available in California.

The state of California economy is on the verge of crash and burning 🔥. California Governor Gavin Newsom is one of the most incompetent next to Kamala Harris politicians in the WORLD 🌎. Newsom increased the minimum wage to $20 dollars per hour for fast food workers. Restaurant owners had to increase menu prices by 8% due to the labor laws of California. Next week, Gavin Newsom set up a secret council that will be voting on another 3% increase on wages on top of the $20 dollar an hour for fast food workers. Gavin Newsom’s bright idea backfired on the incompetent Governor because thousands of restaurant owners fired tens of thousands of fast food works. Thousands of restaurants also laid off workers and replaced them with robots and technology. Thousands of restaurants also went out of business or had to file bankruptcy. California’s ridiculous strict environmental and red tape in zoning and building codes is steering home builders and developers from building new homes. This is creating a shortage of homes and skyrocketing home prices making homes unaffordable. California is losing tens of thousands of residents and businesses Fleeing the state.

https://youtu.be/LyKN2pOP2qA?si=umZ5T9vf5gEbmGHK

We all know that tens of thousands of people are moving out to California. What are the biggest reasons people are moving out of California?

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Population numbers in cities with high property taxes are decreasing. The populations of cities with high property taxes are dropping rapidly, as scores of homeowners are shifting to other cities where property taxes are lower. This is a key issue which needs to be recognized because it shows us important facts about our communities and housing markets. This phenomenon is happening in different parts of the United States too. Here’s an overview:

Tax Migration: The movement from high-tax areas to low-tax ones is often referred to as “tax migration” or “tax flight.”

Property Taxes: High property taxes act as one major driver for this trend; however, they usually come within the context of a wider high-tax environment encompassing income and sales tax.

Major Examples:

New York has had many people leave them recently due their state’s high taxation policy; Illinois (especially Chicago) has seen similar numbers go away over time because theirs are just too expensive; California also experiences significant outflows annually from those who can no longer afford living there.

On the other hand, states such as Florida or Texas which do not levy individual income taxes at all attract lots newcomers looking seek refuge away From these burdens; Tennessee falls into this category too

Scope: Each year tens-of-thousands leave large metropolitan regions alone – much less smaller ones like Buffalo NY or Cleveland OH – altogether accounting for millions across America each decade!

Implications For Cities: There could be urban decline if people keep leaving cities with higher taxes. City governments may earn less money and struggle with budgets.

Remote Work: With COVID-19 forcing companies into allowing employees work remotely full-time, more working individuals have been given an opportunity never before possible – move without switching jobs!

Cost Of Living Among Other Factors: Taxes definitely drive some moves but things such as cost living differences job availability climates etc also make up part or all motivation behind migration patterns

Political Representation & More: Political power will shift when enough people move out; economies will change too origin places get new businesses destination areas see theirs decline; housing markets could crash in former hotspots while booming elsewhere…

Policy Solutions: Some higher taxed areas are considering implementing new policies that will help them keep residents from leaving. They may reduce taxes or provide other incentives.

Complexity: Causes and effects of this trend can be complex and vary by region, but it is happening!

This shift in where people live is changing who represents them and how their cities are run. It could alter housing markets forever as well… There may be long-term implications for political representation, local economies, and housing markets in origination & destination cities alike.. That being said take into account each specific situation because what’s true here might not hold water elsewhere

https://youtu.be/yrNjUCmTURg?si=PoySl46rKGWN2-Ys

• This discussion was modified 7 months, 3 weeks ago by  Gustan Cho.