Stealing?!

Buying on credit

Someone walks into a shop and picks up a few things and tells the clerk to put it on account.  Time passes and he does the same thing with an even larger amount.   In a business, the fact that people pick up things and instruct the clerk that they are going to pay later is common practice and called buying on credit.  People make these kind of purchases everyday and it has gotten to the point where paying on credit is the only way.  As life moves forward goods and services become more expensive and peoples wages are either idle or slow to catch up and this is the reason for credit purchases.
When a person keeps making purchases without paying it is considered stealing.  Refusing to pay would not be a good thing and  any and all courtesies are rescinded.  In the same fashion when a country states their refusal or inability to pay, they are then placed on a list that bars them from any further dealings until most outstanding monies are repaid.  Citizens revolt because prices for goods and services increase.  When countries make big purchases they have to have the credit otherwise things cost more.  Both people and countries have to realize that buying on credit does not mean "FREE".  When credit is used to make a purchase,  those doing the buying must make sure that they have the funds to make the payments to the credit companies (banks).  When there is a shortage of funds the screws of the collector are set into motion.  Consumers making purchases on credit and at some point either refuse to pay or are unable to pay are subject to the "screw" of repossession of the goods bought.

Collectors

No Worries everything is fine!

The problem begins when people purchase more  than they can afford and pay little or no money back to the creditor.  If many people do this to the banks, then they are sent to collections and are marked in default their credit rating is lowered are considered to be delinquents (buying without paying or not wanting to pay).  When the person that does not pay to the credit card company their credit rating gets lowered and then they have difficulty making any further purchases or paying other major bills and life becomes depressing.
Now on a broader scale countries do the same thing when they fade with each other.  When the world is on a good cycle countries trade and their imports equal their exports there is a balance in the economy.  There are situations when countries buy more than the sell this will lead the countries doing the importing to have cover the debt with exports.  There are countries that cannot cover the difference between imports and exports (purchases versus sales).  Today the people that live in all the countries of the world are more interested in luxury and comfort.  Most people are connected through the internet and are able to see and know what is going on and what is available.   The internet makes people want  whatever their neighbors have.  The fact that the neighbor has something does not mean that if you have it also, you could afford to pay for it.  
The countries are lead into deficit when their exports are smaller than their imports.  This means they are spending more than they are making.  Many time countries ask for extensions either to pay back or to make more purchases.

BUY ON CREDIT......
DO NOT BE A CROOK.....
Make sure you have the money for the payments to the creditor!

                                                                      

Cranky...

Nobody likes it when they are told what to do.  I know my limits and try to stay within them.  It bothers me that people do not know their limits and wake up on the wrong side of their bed.  Everyday I wake up, I am thankful that I did open my eyes and it is going to be exciting.

People are burdened with bills and chores every minute of everyday and many times have no time to themselves.  The fact that people are always moving makes them in a way similar to robots.  We become immune to emotion because we are on a schedule and when something blocks it we are not ready to handle it and we go into a rage.  When you live outside your means, you do nothing but constantly move, to make money to be able to pay for you lifestyle.

Money is becoming tighter every day people's wants are getting bigger.  There is a difference between what we want and what we need.  A need is an absolute necessity for life to go on:

• Food
• Water
• Clothing
• Housing
• Transportation.

A want in the economy is whatever is above and beyond life sustaining products and services.  Wants  can be never-ending, such as:

• Restaurant dining
• Luxury drinks
• Bottled water
• Large mansion living
• Multiple number of Large vehicles.  
• Limousines
• Private planes
• Cruises
• Jewelry
• Multiple televisions and stereos.
• Etc.,

When we include in the wants, extra marital affairs and the wants of these illicit situations people become initially happy but then the bills come and they turn into ogres.  The squeeze is on!  If people concentrate more on their needs and not their wants there lives will be less cluttered and therefore, less financially draining and would have less running around to do.  In turn there would be more time to relax and be more personable.  
The best thing to do in life is to stay within our means to avoid undue running from one job to another.   Having to do more than is comfortable will lead to loss of sleep and this makes us cranky.

Sleep.

Sleep Too Much

Sleep is one of the most important part of healthy living.  The more you sleep the better.  Sleeping less will usually bring about health problems.  Oversleeping will also bring forth problems with health as well.  When a baby is born it needs the most sleep time for it to be able to grow strong and healthy.  In today's modern world there are not enough hours in the day to satisfy work, play and rest.  When you do more work, play and rest suffer. For me to be able to function properly, I would between six and eight hours of sleep.

Not Enough Time In The Day.

Many times at work the boss would ask you to work overtime. This is good because you pick extra money on you paycheck.  There are times where he trade off between overtime and actual time can be taxing to your  health.

Resting Comfortably.

There are times I run into people and they say they do not need the sleep.  Other times I see the same people and they are "sick as a dog."  Lack of rest makes a person sluggish and irritable  and possibly more susceptible to a slew of illnesses.  Your body needs energy to be able to fight an attack from any bacteria.  A tired person is more apt to catch any and all bacterial invasions.
A well rested person is ready to tackle most anything that they are put to task.  The muscles in the body are energized and ready for maximum output.  Life is very complicated with our everyday dealings and this is why we sleep. Our brain will be able  to make sound decisions.  When we tax our bodies more and sleep less they will begin to break down.  A person that allots less time for sleep then there is a possibility that their lifespan will be much shorter that of a person that is fully rested.

Concentration

Concentration is important if we are to succeed at anything in life.  My family and I live in on of the best public school district in New York.  When I got married with my wife, we decided to have children.  Making a baby is the day part, raising  the child is when the difficulties show up.  Someone once said to me, "small children equal small problem, big children equal big problems".  As we as a race move forward into the future life becomes ever more difficult.  People are competing more for the same limited positions in the work force.

My wife and I, are the first from our families to get a university education.  Whatever we managed to do until know is satisfactory because we had absolutely no parental help.  Our parents did not even manage to finish high school .  My parents had completed the sixth grade.  The came from Greece and when they were growing up it was a time of war  (World War II).  Greece was plundered and pillaged, most of the people were just worried about food and education was secondary.

Today children in the have more than those of the generation our parents came from.   All they need to do is to focus on, is what they would like to do with them selves in the future.  Time passes unbelievably fast and before you know it the future is here and now.  The modern household have every modern convenience and technology available and there at two or three of each.  My sons were taught since they were babies that technology is your friend is you use it right and do not let it dominate your life.  If the tools that are supposed to make our life easy and fun become addictive and allow a person to neglect other parts of their life, then limits have to be set.  

Think about what you want to do in  life and concentrate on achieving your goal.  Every worth something take time and concentration.  When it comes to study time children will do everything but study.  There choices to be made.  Do more work and concentrate on and in school and be what you want.    Do not allow yourself to be distracted often. 

When a student sets limits on the video gaming part of their life, hopefully other more important parts of their life will not suffer.  For me what ever you do in life should give you something in return.  When you put money in the bank, there is interest paid in return.  Every transaction in life involves a give and take.

Why have children if you are not going to try your best to raise them to be better than you.  Life has an infinite number of distractions.  If you want to be a star student and you want your gases to be as high as they can be then you must concentrate on your study time.  More concentration equals better grades and in turn results in more choices for  better universities and better choices for careers.  Before you do something think about what will be the return and if the time you investing is worth the return.

Satisfaction...

People are born every day and the first thing they do is CRY.   Crying for babies is a way for them to clear their lungs from any fluids and to inflate them with air for breathing.  Crying is the first way for infants to bring themselves to the attention of those people watching them.  When babies cry it is their way to signal, the they are in need food or changing or they are uncomfortable.  Babies eventually grow up to be adults, they do not cry as often. As they grow they still express their dissatisfaction through nagging and general complaints. My mother is now in a nursing home because she is diagnosed with Alzheimer's disease.  When mom was well, she was at my father beck and call.  Whatever my father wanted he would call out my mother's name.  The tenants left did you clean the apartment for the new people?  Where is my warm towel?  Is the water ht for my bath?  Are we packed?  Are you ready we are leaving?  I am home is the meal ready?  People are never satisfied, too hot, too cold, too spicy, too long, too short, and host more things that we can complain.  Everybody has their own cross to carry but  int the same train of thought many people are looking to make everybody else's cross heavier by complaining extra about meaningless things.

I have been married quite a few years and have discovered that by just by walking away and not saying anything most times you win more  (less is more).

There are so many personalities in this world that many times they clash.  I do not understand why people buy convertible automobiles if the live in countries that it rains ninety five percent of the time.  The roof leaks and water is coming in. I am getting wet.  People are constantly looking for happiness but most of the time do not find it but they do get close, until it rains.  I am always in favor of a hard top (less mechanical complications).  People are never one hundred percent complete.  Two people sit in a restaurant to have a meal and drinks, so they can socialize for a while.  From the moment they sit down without cause, the whining and complaints begin.  "My water needs refreshing,  may I have some extra rolls, my fork fell, the soup is cold (you ordered vichyssoise - cold soup)".  People go out that have never been to a luxury spot before and order complicated things to show their sophistication and they do not like their choices.  Who do you think is going to pay for their blunder? The waiter, the bartender, the busboy any body that is near the idiot with the fat wallet that decided to be Mr Big.  A real big shot never complains even if they are not satisfied.  If things happen to their dislike once, they try once more.  If things are still off then no more.  No screaming,  no yelling, no degrading just peace and quiet.  

I am of the philosophy, if life gives you lemons, do not fret, just make lemonade.  It is acceptable for infant to cry and whine but as we grow older what do not say or do is what makes us stronger.  Many times I have been to top rated places where the service was slightly off but management recognized it and was invited again at no charge as an apology because of my demeanor.  People have to understand that it is not the place that makes the atmosphere, just the company they are with.

Less Is More.

Do not sit in the dark!!!

My oldest son is in high school, in the eleventh grade.  Lately, when I come home in the evening, he is perched by the sixty inch living room television.  He is not watching any shows, instead he is playing with the XBOX in the dark.  At the age of seventeen a person should be concentrating on midterms, finals, SAT's,  ACT's, Regent's and anything and everything that will help him get into a quality university.  I am not berating video games, just that anything in exaggeration is possibly unhealthy.  Make sure if you are going to be spending time on something you are actually learning in the time that is being invested.  From the moment you are born, to the time you pass away, life should be a learning experience.  If you are not learning in life, it is a waste.

Ever since, I met my wife and married her and we had children, our goal was and is for our children to become better than us.    So far our three sons are growing as we have expected,  good, well rounded young men.  My boys are involved in school athletics and public service in addition to their school work.

When my wife and I were growing up, we were both children of immigrant parents.   Our parents did not have more than an elementary school education.  What ever we achieved, was good enough because it would be better than what our parents had.   I remember when I was young, my mother would say, "do whatever you want in life as long as you get an education".  What she meant was, that I go to university and graduate with at least a bachelors degree (BA or BS).  The field of study did not matter to her as long as I had the paper on the wall, that she never manage to get.  Guess what Mom, I did what you wanted  and even more.  Yes, as the world moves forward into the future, knowledge is the key to better living.

Where I am now is solely through my own doing. My parents were unable to help me with reading or writing.  Whatever I did was good because they did not know any better.  As a child, when I came home from school, the front garden was my playground, on good weather days.  Other times, I would do my homework and watch two or three shows on my parents black & white television set, have dinner and then bathe and go to bed by eight in the evening.

All youth goes through similar stages of stress.  When we talk to our friends and parents many times our worries are lightened and this stage of life goes with minimal grief.  Talking is a tremendous stress release because we find out that other people are going through life with similar situations and how they are coping.

I am still of the philosophy my mother had, "get and education and do what you want".  As time passes the more a person know's, the better the chance of surviving comfortably in society.   I am not saying that I am perfect.  It is not possible to be perfect but if it were a person would be GOD.  We live in a society, where the people believe in only one God and he or she, is the only perfect and almighty spirit/being.  All we can ask for is for our children to be better than us and if they manage this feat it will prove that we as parents were great teachers(mentors).

Think With Your Head, Not With Your Feet!!!

Be Young And Enjoy!!!

Just Do Not Waste Your Whole Youth Away!!!

Do Not Rush Otherwise You will make it worse!!!

Hurry up...Someone calls out at the work place..."Hurry up!!"  Okay is heard and then a tray of dishes and glasses are heard crashing to the floor.  Then I hear "are you alright?"  The only thing rushing does, is to make things worse.  People should go to work and want to be there.  Morale is tremendous factor for all employees to the right job.  When a person go to work and finds an environment that is cold and calculating with no warmth production becomes lax.

When the boss has an inviting atmosphere and policies that do not squeeze the employees then production and service will be better.

Work and Home should be separate and should never mix.  Do not bring work home and absolutely no family dealings at work.  These two opposites always clash and many times make each other dysfunctional.   Each individual entity has a different agenda and many do not match and should not intermingle.   Work should be professional with no room for drama.  Home is where people can find safety from the world people could be loose without fear.

When you go home you are safe and calm, no work to think about and customers say too hot or to cold. The management send secret shoppers trying to gage to you and if are paying attention to the precious client.  On the other hand you are too friendly and you are overlooking your other customers.  There has to be a balance.  The only way for the most to be dope would be to be yourself and relax.  When you are always in a rush something suffers.  Mistakes happen when in a hurry and overlook certain processes.  If you take your time it costs more but you will be saving by retaining more clients instead taking care more people in fast less efficient manner and have more returns exchanges or general complaints.