Friday, October 19, 2007

Supersize me


If you want to have any idea about the eating habbits of the average American, I urge you to view the movie Supersize me. This is a link to the documentary/movie. It is unbelievable at first sight, it seems out of this world but we have been here for almost 3 months and we can only confirm what is in the movie. Story: 1 person tries a diet of only Mac Donalds for 30 days. During the movie they add a lot of extra health information and they add interviews. Hilarious!

October 19th: 20 years ago something happened that was out of the ordinary

Thursday, October 18, 2007

Oil breaks through 90 dollars a barrel and what does Bush do..


as to be expected he "warns of World War III if Iran goes nuclear"

US President George W. Bush said Wednesday that he had warned world leaders they must prevent Iran from getting nuclear weapons "if you're interested in avoiding World War III.""We've got a leader in Iran who has announced that he wants to destroy Israel," Bush said at a White House press conference after Russia cautioned against military action against Tehran's suspect atomic program."So I've told people that, if you're interested in avoiding World War III, it seems like you ought to be interested in preventing them from having the knowledge necessary to make a nuclear weapon," said Bush.

Post

On Friday my parents sent me a package using the Belgian postal service. I received that package on Wednesday, WaaW that's fast.

Wednesday, October 17, 2007

Collapsing dollar

Peter Schiff

Quote of the day

Answer us this, Mr. Paulson. How do you propose to encourage liquid lending markets while simultaneously relieving overstretched homebuyers of their contractual obligations to the (regrettably) lousy ARMs they took out in order to buy those overpriced McMansions?Someone's gotta pay. And if it's not going to be the debtors leaving the homes, and if it's not going to be Hank's buddies on Wall Street, who does that leave?Us. The responsible majority of Americans. Remember us? The people who didn't go out and do stupid things with our money?


Seth Jason

The Motley Fool

Tuesday, October 16, 2007

Quote of the day


"Only Ron Paul has been criticizing the Federal Reserve's legal counterfeiting, which is responsible for the housing bubble, the widening income gap in the United States and the accelerating decline of the dollar in foreign markets. In short, all the GOP candidates (except Ron Paul) by their silence support debasement of the dollar. "

USA Daily

How does our street look like?

As you notice, cars are not allowed to be parked on the street at any time.

How much can home prices drop in the USA

Let's take a look at one of my favorite graphs: "home price/rent" RATIO.
The rent ratio is now around 27, it has always been around 14-18, so a price drop of 40% would be a return to the mean.

No seperate mailbox in front of your door

If you live in a community, you don't have a mailbox in front of your home. All mailboxes of one (or more) streets are combined and this is a picture for our street:

Shooting souvenir

We took our "shooting" (see video, Ramon's birthday) cans home as a souvenir.

Sunday, October 14, 2007

October 14th no article about Ricardo Sanchez


It is nowhere to be found on the World newspage: Yahoo! AP media

There is only the daily good news show in the media here.

So let's look at the page dedicated to the war against terror, oops sorry meant the war in Iraq: Yahoo! dedicated to Iraq

And again, nothing negative, no comments from the former commander of the US troops in Iraq...

Clash USA - Russia

Too much (oil) power in the hands of one man. Where did I hear that story earlier? 1991 - ...

Saturday, October 13, 2007

Lots of videofiles

Lisa and Shanti before their jeep ride:

The Sonoran desert, view from a mountain we climbed with a jeep

We did this with that jeep, UP and DOWN the very steep mountain...


Naomi on a ATV/Quad part 01


Naomi on a ATV/Quad part 02


David shooting


Kids playing

Ricardo Sanchez former commander of coalition forces in Iraq can speak freely and says

the war in Iraq is "a nightmare with no end in sight". It is top news in Europe, and of course the objective part of the story is nowhere to be found in the US news media. He also said: that the US political leaders are "incompetent", "inept" and "derelict in the performance of their duty".
Tell us something new...

Looks like a government sponsored television channel like the one in Belgium gives us more objective news than the "free" market ones...
No wonder Bush was re-elected, people don't have objective media coverage here.

Ramon's birthday

Today we celebrated Ramon's birthday in the Sonoran desert. Some cool video files will be posted later, here are some pictures:

Haunted house


To prepare ourselves for Halloween we (Naomi too) visited the haunted house with a few friends. You can find a link here.

We have cut off the cable television ourselves


We don't want to pay $62 for tv channels we hardly ever use. The Us media is really opinionated, so there is no point in looking at subjective news. We'll use the internet for our daily news information.
It will also benefit our family life and it forces Naomi to do something more educational.

Friday, October 12, 2007

TOP 5 positives aspects of the culture clash, what do we like the most?

In a few days I will list the 5 negatives. We will exclude all work related items in the negatives, no need to explain that one :-)
TOP 5 Positives:
1. The people here
Everybody has been wonderfull and supportive. Especially our family and our colleagues here are SUPER.
2. The weather in Arizona
The weather is really great for 9 months of the year, the other 3 months it is unbearable hot. Arizona is an ideal place to retire, or a place where the "snowbird"people come during the winter.
3. Cheap products
Most things are darn cheap here. I already compared prices of cars in an earlier post. But all other things are cheaper too: electronics, make-up, unhealthy food, housing,...
Healthy food and airplane tickets are more expensive than in Belgium. I couldn't find another item that is more expensive here.
4. Low taxes and the mentality that goes with it / Better paid jobs
In the USA nobody abuses the "system" of welfare, because there is no system :-) They have a total different mentality here that our family likes. If you want something, you work for it, you pay low taxes because there is no universal health and no expanded welfare system. In Belgium there is a perpetual flow of money going from North to South. That (cash)flow lowers the standard of living for the North, Flanders. The main reason why taxes are high in Belgium is because the Walloons abuse the welfare and health care system on a big scale.
PS: Did you know Belgium is the only country in the world where welfare benefits are NOT limited in time...
Better paid jobs, lower taxes and cheaper products, financially speaking this must be heaven on earth.
5. Traffic
Driving here is fun, you can look around at the beautiful landscape. We really miss our beamer but the roads are in extremely good condition so the Cady will do for now LOL.

Amazing !!!

LINK

Al Gore receives a well deserved NOBEL PEACE prize


George W Bush was not one of the nominees...
LINK

10 dumbest job-interview moves

In a poll of hiring managers a few weeks ago, Accountemps (www.accountemps.com), a worldwide accounting-and-finance staffing firm based in Menlo Park, Calif., asked them, "What is the wackiest or most unusual pitch you've heard from a job seeker about why he or she should get the job?"

Here are the top ten:

The job hunter...

1. "...told me to hire him because he was allergic to unemployment."

2. "... said that we should hire him because he would make a great addition to our softball team."

3. "...said he should get the job because he had already applied three times and he felt that it was now his turn to be hired."

4. "...said we had nice benefits, which was good because he was going to have to take a lot of leave in the coming year."

5. "... drafted a press release announcing that we had hired him."

6. "... explained that he had no relevant experience for the job he was interviewing for, but his friend did."

7. "... delivered his entire cover letter in the form of a rap song."

8. "...told me she wanted the position because she wanted to get away from working with people."

9. "...brought his mother to the interview and let her do all the talking."

10. "...when our company moved to Texas, gave us his resume in a ten-gallon hat."

What's the biggest mistake you ever saw someone make - or (gulp) maybe even made yourself - in a job interview? Post your thoughts on the Ask Annie blog!
source Yahoo!

Thursday, October 11, 2007

US dollar

The Chinese stock market bubble is about to deflate

This is 6 month graph of baidu.com, the leading Chinese search engine. Those hyperbolic rises don't end with a splash but with a big bang.

Quote of the day

"I find television very educational. Every time someone turns it on, I go in the other room and read a book." Groucho Marx

The clock is ticking for Countrywide

Mortages down 44% year over year for our beloved company Countrwide Financial. Link

And does the CEO, Mozilo (big boss) have faith in his own company Countrywide? Hmmm, let's review his stock transactions for the last year: sold about 365 000 000 dollars of stock.
If the biggest mortgage bank in the US goes bankrupt, that should mean something...

Wednesday, October 10, 2007

Will Russia be invaded by the "powerful" army of the US?

Dictator: Poetin: check
Oil supplies: big check
Government doesn't allow opposition forces: check
Government kills opposition forces: check (23 million dollars of Polonium in his body, oh my)- check

Quote of the day

Gravitation cannot be held responsible for people falling in love. How on earth can you explain in terms of chemistry and physics so important a biological phenomenon as first love? Put your hand on a stove for a minute and it seems like an hour. Sit with that special girl for an hour and it seems like a minute. That's relativity.

Albert Einstein

The police has some extra duties...


“In the Central Valley community of Manteca, police have a new job: patrolling hundreds of foreclosed houses left empty and abandoned. They are half million dollar houses, often bought with nothing down, turned into suburban blight. Developers built more than 30,000 new homes in the last six years. But with the spike in adjustable mortgage rates the flood of buyers turned into a flood of defaults, 11,000 in the county in the past 18 months.”

Some ECON 101 lessons, given us by a politician...go figure

But once again, no one is interested in the truth.

Tuesday, October 9, 2007

David went to TTC Phoenix

Monday the 8th of October I finally went to the local table tennis club: Phoenix TTC. I forgot my camera so I don't have any pics or video files.
I didn't have a t-shirt or appropriate shoes ... had to leave a lot of things in Belgium. I brought my trainer of TTC Temse with an advertisement of a local cultured stone company. I figured I could get a decent commission % from any sale to the phoenix area.
Monday and Wednesday are training days, from 7 pm - 10:20 pm.
It is a 50 mile drive, 45 minutes drive. Phoenix plays table tennis in a sports arena. I arrived at 7:30, there are 16 tables and about 40 players.
It works like this: everybody has a name card, when you want to play, you challenge a table. You put your card on the side of the table and you play the winner of that table. When there are a lot of people waiting, you have to leave the table after 2 straight wins. There is one "kings" table, the "leave after 2 winning games" doesn't apply there.
There is a diversity of players in the club, pleople from: China, Bulgaria, Roemenia, India, Iraq, ...
I played against an older player first, result 3-1 (+/- E0). It was 6 months since I played.
I got challenged right away, "everyone wants to play against the new guy". A player from Roemenia, (+/- D6) 3-1 and 3-1. I wanted to get some drinks, but I got stopped on the way out. Another challenge. It was a young talented player (+/-D0), later I found out on the website he is number 55 on the Arizona rankings. Result 3-1, live and let live, I am not going to win or insult players with a 3-0 the first day I am in a new club.. I saw 2 Chinese players on the "kings" table... auch, definitely B0-B2 or higher. After those games, I was totally tired and wanted to go home, but I ran into the perfect John/Hugo clone/clown LOL. He (+/- E2)stopped me and wanted to play me, he had tattoo's and looked like a SWAT or NAVY seal... I agreed. Result 3-1, but he wanted to play some more... oh my, result 1-3. We were the only ones left playing. No possibility to take a shower, so I drove back to my family. Home at 11 pm.
The one year membership is 160 dollars, I will try to go once every week. They already invited me to go to the Nationals in Las Vegas, go figure.


Naomi At YMCA in Ahwatukee (2 videofiles)


Naomi at the YMCA in Ahwatukee

During this break, Naomi will be on a YMCA boot camp in Ahwatukee, Az. It is about 25 miles from where we live.

As you can see Ahwatukee is a very nice place, look at the houses on the mountain, waaw.

Monday, October 8, 2007

Quote of the day

At my lemonade stand I used to give the first glass away free and charge five dollars for the second glass. The refill contained the antidote.

After introductiong the dreamhome, the dreamlocation

A few days ago we introduced our dreamhome, let's take a look at our dreamlocation.
Master plan, lake community:
Entrance of the community:
Dreamlot with Lake view:
Dreamlot, streetview:
Dreamlot, view from the water edge:

Visitor's room

This is the visitor's room in our house:

Sunday, October 7, 2007

Quote of the day

"I decided I won't wear that pin on my chest."

BARACK OBAMA
who says he doesn't wear an American flag on his lapel because it has become a substitute for "true patriotism" since Sept. 11

Sign Spinners

I talked to a realtor and thse sign spinners earn between $16-25 an hour. Most people just whiggle with the signs, but some are real artists.

Saturday, October 6, 2007

Quote of the dqy

Marriage is give and take. You'd better give it to her or she'll take it anyway.

Leasetrader.com

A few weeks ago I introduced the Peer-to-Peer lending site http://www.prosper.com/
I found another very interesting website: http://www.leastrader.com/, where you sell or buy your lease contract for your car.
Most Americans don't buy their cars but they lease/rent them. After the rent period, they can opt to buy the car for a certain fixed price or they can return it. The largest depreciation of a car takes place in the first 4 years so economically speaking this is definitely not a good idea. Hence, the largest part of the lease price will be the depreciation of the vehicle. Those leases are SIGNED and are therefore contracts. It is very difficult to get out of that contract, so if you want you can sell your lease on http://www.leasetrader.com/ If you want a car for only a short period of time, you can buy your lease there too.
We will never buy a new car, we prefer buying a car that has already depreciated.(+/- 4 years old)
In a few years, there is a possibilty we will buy a second (second hand)car.
Our list (in the correct order):
TOP 3 SUV's
Volvo XC90
Nissan Murano
BMW X5
TOP 3 passenger cars
BMW 530 sedan or break
Volvo S80
Volkswagen Phaeton
Oh my, the Lexus LS is of course way out of this world (budgetwise) but it is SO beautifull, makes me wonder if there is a God after all.
MSRP is $61k so you can probably buy it brand new from the dealer for $57k. That is about 40k euro ... for that amount you can only buy a BMW 3-series in Belgium ( 5k euro BIV tax + road tax and so on) No wonder people move to the United States. I would...

What is driving all those foreclosures?

Foreclosure: You give your house back to the bank because you can't make the mortgage payment. The bank then auctions it off or they sell it through realtors.
This is what drives foreclosures:
They could fight to save their house. But what was the point? It's worth at least $40,000 less than they paid. They can rent in this depressed market for a fraction of their monthly payment.
"It's sad to say but honestly, we don't feel like there's anything worth saving in this house," Joy says. "Financially, we've got nothing to show for it."
So the couple decided to let the place go. Everyone said it was the right thing to do.
Still, it doesn't sit right with her husband, a painter and construction worker. When times were good they made a commitment, Paul tells Joy. Somehow, it doesn't feel right to just walk away.

Our dream home

This is a link to our dreamhome: Hacienda Renaissance, click on virtual tour on the left hand side below home plans. The "family room" is out of the ordinary with +5m vaulted ceilings.

We have visited the model homes of this builder on every visit to the United States. A few years ago when we walked into this home and saw the price, THAT was the first time the thought arose about moving here.

Price evolution: (same home, same builder, same town, different location, LOT included 900m2)

Aug 2003: 298 000
Aug 2006: 511 000
Sept 2007: 348 000
and still no buyers ...

The home described above is a "NEWly" built home on a 10 000 sq ft lot (900m2). Lot is INCLUDED.

Below are 2 advertisements for resale homes (not new), that are still for sale right now. Below each home I've put the price evolution. That is what we would call a reversion to the mean in Economics.
It is very likely those steep price drops, reversions to the mean, will be seen in all other inflated real estate markets: Europe (especially Spain, UK), Turkey, Russia and China.

Doped athletes, tell us somehing we don't know...

Marion Jones finally admits she was filled with steroids and hormones that normally are only given to cows... when she won all those track races. What a surprise.
Now Lance Armstrong admits he used the same substances.
Just kidding of course, he won't admit it but everyone knows he had more steroids and drugs in his blood than an average cow in the US. He probably won't reach the age of 40, but he did win those Tours fair and square...let's put that on his tombe in a few years.

Friday, October 5, 2007

Thursday, October 4, 2007

What to do during Spring break?

Well, a picture of the reading material next to my bed that needs some reviewing. Naomi will go on camp during that week. She will be going to a YMCA facility (large swimming pool, grass fields, rock climbing, ...) in Ahwatukee. We' ll bring her in the morning and pick her up at about 5:00 pm.

Great weather in Maricopa

Oh my, the weather is wonderful here. We eat breakfast(6:45) and dinner(17:45) on our patio with a pool view. The weather was really incredible hot until the last week of September. The Summer, with +100 Fahrenheit days, is totally insane hot. There are no words to explain the feeling, you have to be here to understand 45 degrees Celsius in the shade and 10% humidity (vochtigheidsgraad) Temperature has now dropped to 90 Fahrenheit which is very nice. We have one more (work)day tomorrow and then we'll have a well deserved holiday period. An American employee only has about 2 weeks paid leave and a few extra days (president's day, ...)

Wednesday, October 3, 2007

Most difficult question on "who wants to be a millionaire?"

This is probable the sole question George W would be able to answer if he was on the show. This is too funny:
First picture: read the question carefully
Second picture: She is not sure so she checks the crowd in the studio (42% Edmund LOL)
Third picture: There are no words to explain it

What happens when the "smart" bombs you produce are smarter than the one in charge, the president?

He vetoes this. Belgian Link

Open the floodgates

This is happening in our own County. LINK
Builder must sell, does that mean he goes bankrupt? probably not...

Tuesday, October 2, 2007

What happens when all appartments are bought by investors and they want to sell at the same time...

Nice appartments in real expensive Scottsdale, Phoenix, Arizona.
These lock boxes are used by realtors to show appartments. Looks like there are a lot of appartments for sale...

Quote of the day

SPY stock index chart
"It doesn't matter how many dollars you can accumulate, it matters what they're worth"
Peter Schiff
USD/EUR chart

Monday, October 1, 2007

Best Belgian Comedian

First one WITH English subtitles, second is the best thing he ever made (no subtitles, Dutch only)