It is an interesting question?
Nobody used sun screen 60 years ago.
Nobody heard of skin cancer 60 years ago.
If you plotted a graph, there would be a direct correlation between sun screen use and skin cancer rates. Sort of like Al Gore's graph with temperature and CO2.
Because of Al Gore's graph, well intentioned but naive people would like to embark on a course of action that would result in the likely slow extermination of almost half the human race......
The 100 mile diet, wide scale organic adoption, reducing CO2 emissions and, ecologically friendly food harvesting were all tried before on a national scale in Cambodia. 1/3 of the population died within 3 years.
The greatest catastrophe facing the human race is if the masses become naive enough to believe the environmental experts. The only mitigating factor is the environmental experts will be amongst the first to be dispatched with pick axe blows when there is not enough food to feed everyone in the ecologically friendly food collective communes that the environmentalists are so eager to see....
Now for sun screen. I don't use it. I am a heretic who believes that the sun warms the earth and that sunshine and blue skies are good. I wish the days were sunnier and warmer. I also like flowers and butterflies.... I have seen blue eyed mahogany (never seen sun screen) people in their mid 80s climbing trees in my ancestral village. I have never seen any pale skinned sun screen user here in their 60s capable of doing what my relatives in their 80s can do....
Think about it. Read the list of ingredients in sun screen. Try to figure out what the ingredients do? Then realize that your skin is your largest organ and that you are using it to absorb chemicals that The heretic can't even pronounce......
Friday, July 31, 2009
Wednesday, July 29, 2009
44 Days Tobacco free Thank You Chantix, Champix or whatever Phizer calls it.
I have survived 44 days thus far without a cigarette or any other tobacco product...
It has been hard. It was far easier to transform my body from the Pillsbury boy 250lb, 43" waist to an athlete without a sport 170lb, 32" waist 6-pack.
I have friends who have given up heroin, and they are still addicted to tobacco. I see addiction support groups made up of recovered heroin and cocaine addicts and guess what? At least 75% of them still smoke cigarettes.
I could not have done it without the help of the pharmaceutical industry, the support of my friends, and my cumulative dumbbell/calisthenics log spreadsheet.
These were my friends during my hour of need:
1> Champix, or Chantix in the USA.
It is a smoking cessation product manufactured by Phizer. It works by blocking the nicotine receptor in your brain. It also has some very serious side effects. Over 500 suicides have been linked to this drug, and many instances of people behaving violently have also been linked. Personally, I find Champix makes me feel aggressive. I want to pummel someone who so desperately deserves it. Provided that you don't cheat and have cigarettes, you should be able to go off of Champix 60 days after your last cigarette.
Smoking cigarettes is a pathological addiction similar to putting a loaded revolver with most of the cylinders empty in your mouth any time you smoke. You need a serious industrial strength psychiatric drug to break this (conjugative past tense) addiction. Desperate times call for desperate measures.
2> Ativan - Lorazapam (anti-anxiety drug)
This is one of the fastest acting anti anxiety chill pills. My last dozen times I have started smoking again was because of anxiety attacks that left me with two treatment options. Hit someone who so desperately deserved to be hit, or smoke a cigarette. Had I had some Ativan tablets with me, I would have had a third option.
3> Encouragement from friends.
I am lucky to have a couple of Respiratory Technicians who work close to me. It was my fear of what RTs do for a living that made me lose my first 55 pounds (25 Kilos). These fine people hooked me up to one of their most sophisticated oxygen sensors, and made me aware that I had an amazingly high level of oxygen saturation in my blood, and that they have never seen a result as high as mine from anyone who smoked as much as I did. My buddy got me to realize what might theoretically be possible if I wasn't using my lungs as a carbon monoxide capture and storage device.
4> Exercise
I am an obsessive compulsive individual. I record every lift, every sit-up, every push up, every etc.... I noticed after about 4 weeks that my sets were getting longer and longer, and where before I was doing sets of 25, I was now doing sets of 40. I had a number that I understood. That number made a simple statement . SMOKING TOBACCO IS BAD FOR ME....
5> Mandex
Wearing mandex (mens spandex shirts) makes you aware of every subtle imperfection in your body. Wearing mandex also makes you terrified of snacking as a means of satisfying ones oral fixation. Wearing mandex kept me away from the food during the crucial six weeks, and my weight gain was only 2 Kilos.
So my advice to anyone wanting to quit smoking.
1>Get some Champix
2> Get a Big Ativan prescription. If your physician won't provide you with the drugs, hire a good criminal lawyer that specializes in assault cases, because hitting somebody just might be worth it.
3> Get your friends to encourage you. Remember you don't want to let your friends down.
4> Exercise
5> Buys some tight slutty spandex.
It has been hard. It was far easier to transform my body from the Pillsbury boy 250lb, 43" waist to an athlete without a sport 170lb, 32" waist 6-pack.
I have friends who have given up heroin, and they are still addicted to tobacco. I see addiction support groups made up of recovered heroin and cocaine addicts and guess what? At least 75% of them still smoke cigarettes.
I could not have done it without the help of the pharmaceutical industry, the support of my friends, and my cumulative dumbbell/calisthenics log spreadsheet.
These were my friends during my hour of need:
1> Champix, or Chantix in the USA.
It is a smoking cessation product manufactured by Phizer. It works by blocking the nicotine receptor in your brain. It also has some very serious side effects. Over 500 suicides have been linked to this drug, and many instances of people behaving violently have also been linked. Personally, I find Champix makes me feel aggressive. I want to pummel someone who so desperately deserves it. Provided that you don't cheat and have cigarettes, you should be able to go off of Champix 60 days after your last cigarette.
Smoking cigarettes is a pathological addiction similar to putting a loaded revolver with most of the cylinders empty in your mouth any time you smoke. You need a serious industrial strength psychiatric drug to break this (conjugative past tense) addiction. Desperate times call for desperate measures.
2> Ativan - Lorazapam (anti-anxiety drug)
This is one of the fastest acting anti anxiety chill pills. My last dozen times I have started smoking again was because of anxiety attacks that left me with two treatment options. Hit someone who so desperately deserved to be hit, or smoke a cigarette. Had I had some Ativan tablets with me, I would have had a third option.
3> Encouragement from friends.
I am lucky to have a couple of Respiratory Technicians who work close to me. It was my fear of what RTs do for a living that made me lose my first 55 pounds (25 Kilos). These fine people hooked me up to one of their most sophisticated oxygen sensors, and made me aware that I had an amazingly high level of oxygen saturation in my blood, and that they have never seen a result as high as mine from anyone who smoked as much as I did. My buddy got me to realize what might theoretically be possible if I wasn't using my lungs as a carbon monoxide capture and storage device.
4> Exercise
I am an obsessive compulsive individual. I record every lift, every sit-up, every push up, every etc.... I noticed after about 4 weeks that my sets were getting longer and longer, and where before I was doing sets of 25, I was now doing sets of 40. I had a number that I understood. That number made a simple statement . SMOKING TOBACCO IS BAD FOR ME....
5> Mandex
Wearing mandex (mens spandex shirts) makes you aware of every subtle imperfection in your body. Wearing mandex also makes you terrified of snacking as a means of satisfying ones oral fixation. Wearing mandex kept me away from the food during the crucial six weeks, and my weight gain was only 2 Kilos.
So my advice to anyone wanting to quit smoking.
1>Get some Champix
2> Get a Big Ativan prescription. If your physician won't provide you with the drugs, hire a good criminal lawyer that specializes in assault cases, because hitting somebody just might be worth it.
3> Get your friends to encourage you. Remember you don't want to let your friends down.
4> Exercise
5> Buys some tight slutty spandex.
Sunday, July 26, 2009
How to win the Afghan war and have the troops home for Christmas
I watch in amazement how the Western Coalition is flailing about in the Afghan conflict. I have concluded that the politicians running the war are idiots. Instead of concentrating on victory they are too busy contemplating what is sticking to the inside walls of their rectums.
If I was made Commander in Chief of the western coalition in the Afghan conflict this is how I would win the war.
1> Carpet bomb Afghanistan with hardcore porno magazines.
Use the multi billion dollar transport planes to drop 1 billion copies of Hustler and like minded Euro skin mags all over the country. This will weaken the hold of the religious mullahs over the minds of the young men. It will be very hard for a young Afghan man to take some smelly old bearded man dressed like its the 13th century seriously if they are made aware of Jenna Jameson, Brianna Banks, Nina Hartley etc....
What idiot would want 72 virgins in heaven if they perceive a chance of shagging someone like Jenna in this lifetime. Win their penises, and their hearts and minds will follow.
2> Ban the Burqha, and make it punishable by death of a MALE relative
Make wearing a Burqha illegal. Use a combination of 3 man sniper teams and predator drones to enforce the Burqha ban, and cull the undesirable males out of Afghan society. This is as easily done as it is said.
Use the predator drones to spot women in Burquas. The same drone paints the woman in the Burqua with a laser that identifies a victim. Using the same drone, the closest human with a beard is painted with a different colour laser that is the kill colour lazer. The sniper team kills the painted male with a 50 cal Ma Duece bullet. The predator drone swoops down low and shoots a paintball at the Burqua woman whose dye glows for 24 hours signifying no more males are to be killed because of her foir the next day.
Keep shooting assholes that are escorting women in Burquas until the women of Afghanistan no longer wear them.
3> Ban 13th Century Clothing
If godless savages all over the world can wear Nike, so can the Afghans.
4> Ban all wedding between closer than 4th degree relations.
One of the biggest problems with Arab countries, and the Stan countries is the preference for marrying 1st cousins. A first cousin is genetically as close to you as your own mother. In some countries over 50% of marriages are between first cousins, which means that the majority of the men in these countries are mother#$%^ers.
Any Mullah or Iman caught performing a marriage ceremony between first or second cousins is to be fed to a pack of starving feral pigs.
5> All suicide bomber remains get special treatment
The body parts of a suicide bomber are collected. They are divided into a dozen different pigskin bags and a kilo of hog slaughterhouse offal is added to each bag. The bags are then buried in different parts of the country. This ensures that in the off chance that Islam is a truth, the suicide bomber does not get his 72 virgins in paradise.
I am certain with these five easy, inexpensive steps the war in Afghanistan can be won with minimal loss of Western life. The real problem the Western military faces is that the Armed forces are full of douche bag officers sitting in desks, who gain promotions passing documents about the war between themselves. It's in the interest of these douche bags that the war continues and Western soldiers keep dying.
If Goldwater had won the 1964 election, North Vietnam would have been a paved parking lot.
If I was made Commander in Chief of the western coalition in the Afghan conflict this is how I would win the war.
1> Carpet bomb Afghanistan with hardcore porno magazines.
Use the multi billion dollar transport planes to drop 1 billion copies of Hustler and like minded Euro skin mags all over the country. This will weaken the hold of the religious mullahs over the minds of the young men. It will be very hard for a young Afghan man to take some smelly old bearded man dressed like its the 13th century seriously if they are made aware of Jenna Jameson, Brianna Banks, Nina Hartley etc....
What idiot would want 72 virgins in heaven if they perceive a chance of shagging someone like Jenna in this lifetime. Win their penises, and their hearts and minds will follow.
2> Ban the Burqha, and make it punishable by death of a MALE relative
Make wearing a Burqha illegal. Use a combination of 3 man sniper teams and predator drones to enforce the Burqha ban, and cull the undesirable males out of Afghan society. This is as easily done as it is said.
Use the predator drones to spot women in Burquas. The same drone paints the woman in the Burqua with a laser that identifies a victim. Using the same drone, the closest human with a beard is painted with a different colour laser that is the kill colour lazer. The sniper team kills the painted male with a 50 cal Ma Duece bullet. The predator drone swoops down low and shoots a paintball at the Burqua woman whose dye glows for 24 hours signifying no more males are to be killed because of her foir the next day.
Keep shooting assholes that are escorting women in Burquas until the women of Afghanistan no longer wear them.
3> Ban 13th Century Clothing
If godless savages all over the world can wear Nike, so can the Afghans.
4> Ban all wedding between closer than 4th degree relations.
One of the biggest problems with Arab countries, and the Stan countries is the preference for marrying 1st cousins. A first cousin is genetically as close to you as your own mother. In some countries over 50% of marriages are between first cousins, which means that the majority of the men in these countries are mother#$%^ers.
Any Mullah or Iman caught performing a marriage ceremony between first or second cousins is to be fed to a pack of starving feral pigs.
5> All suicide bomber remains get special treatment
The body parts of a suicide bomber are collected. They are divided into a dozen different pigskin bags and a kilo of hog slaughterhouse offal is added to each bag. The bags are then buried in different parts of the country. This ensures that in the off chance that Islam is a truth, the suicide bomber does not get his 72 virgins in paradise.
I am certain with these five easy, inexpensive steps the war in Afghanistan can be won with minimal loss of Western life. The real problem the Western military faces is that the Armed forces are full of douche bag officers sitting in desks, who gain promotions passing documents about the war between themselves. It's in the interest of these douche bags that the war continues and Western soldiers keep dying.
If Goldwater had won the 1964 election, North Vietnam would have been a paved parking lot.
Saturday, July 25, 2009
The joy of anger....
Sometimes anger can be your friend. Yesterday while stewing over having to fork over 12% off the top to the government.....
I did my first set of 100 oblique twist sit ups since my rowing mishap.
Instead of fixating my mental focus on a cheesecake..........
I imagined .........................
At least the government had not found a way of taxing imagination.
I did my first set of 100 oblique twist sit ups since my rowing mishap.
Instead of fixating my mental focus on a cheesecake..........
I imagined .........................
At least the government had not found a way of taxing imagination.
The Whistler Olympics - How to Bring About Justice....
I am against the Whistler Olympics.
In my opinion, the handful of plutocrats that own property at Whistler have played the people of BC for idiots, and are laughing all the way to the bank as the citizens of the province are being raped for their benefit.
The cost: a 7% additional tax on almost everything in the province of BC. Future generations that are yet to be born to be financially raped for the plutocrats benefit.
The benefit: A handful of plutocrats save 45 minutes driving to their ski chalets....
My perfect solution. Lets hold a lottery to find 10 deserving rear body orifice exit hole plural to hang.
Lets make the group of 10 as follows:
a> 7 Whistler property owners (those that benefit the most pay the highest price)
b> 1 Pro- Whistler Olympic weenie (entertaining to snap a douche bags neck)
c> One member of the Whistler Olympic Committee (look good swinging from a yardarm)
d> One member of the BC Liberal Cabinet (a thank you from the citizens of BC)
How to select the douche bag to hang from the four subsets.
a> The Whistler Property Owners.
Since these douche bags benefit the most, their hanging should not be done from a trap door drop method that results in near instant death from neck dislocation. These people have earned the good old fashioned way. Noose over a tree branch, seat the plutocrat on a horse, make the horse bolt leaving the plutocrat hanging and squirming for the enjoyment of the masses.
You select the 7 douche bags using the BC Assessment Authority database. Every piece of property in Whistler has an assessed value for land tax purposes. Each dollar of assessment equals when selecting the first douche bag a 1 over the (total assessed value of Whistler) probability that they will be hung.
Douche bag two is a probability of 1 over the (total assessed value of Whistler less already hanged douche bag #1s property)
Douche bag three is a probability of 1 over the (total assessed value of Whistler less already hanged douche bag #1 & douche bag #2's property)
Etc until 7 plutocrats pay the price for their treachery........
b> A Pro Olympics weenie
Tally all the letters to the editor published in provincial newspapers supporting the olympics. Tally all the calls made in BC to open line radio shows supporting the olympics. Statistically weight the letters and calls by the average daily circulation of the news papers. Statistically weight the open line radio phone calls by average number of listeners during the segment.
Hold a lottery that gives a fair chance of being selected based on the statistical weighting.
Hang the stupid fool using a trapdoor gallows where death is instantaneous. Use Peidmonts weight tables for the length of the rope to ensure a humane kill.
Have microphones under the trap door to get a high quality recording of the sound of the neck dislocating. License the sound of the snapping neck to hip hop artists to loop in their songs.
c> Member of the Whistler Olympic Committee
These people can draw straws like the did in the time of Rome prior to decimating a century that lost their standard in battle. The person who is to be hanged, is to be done from a naval yardarm. Ensure they have a full ration of rum as per Royal Navy tradition. Watch them squirm.
d> Member of the BC Liberal Cabinet
They can draw straws. The winner is hanged from the lanyard that holds their VIP Pass.
Deep down I suspect that civilized people are prepared to accept the most barbarous of punishments being meted out to rear body orifice exit hole plurals, if the means of selection is fair and free of bias. After all the Romans built a great empire that lasted almost 1,800 years (if we include Byzantines) using methods such as this to teach morality. The British Empire only managed to last 200 years, the American Empire will be even shorter lived.
For the glory of Rome.
In my opinion, the handful of plutocrats that own property at Whistler have played the people of BC for idiots, and are laughing all the way to the bank as the citizens of the province are being raped for their benefit.
The cost: a 7% additional tax on almost everything in the province of BC. Future generations that are yet to be born to be financially raped for the plutocrats benefit.
The benefit: A handful of plutocrats save 45 minutes driving to their ski chalets....
My perfect solution. Lets hold a lottery to find 10 deserving rear body orifice exit hole plural to hang.
Lets make the group of 10 as follows:
a> 7 Whistler property owners (those that benefit the most pay the highest price)
b> 1 Pro- Whistler Olympic weenie (entertaining to snap a douche bags neck)
c> One member of the Whistler Olympic Committee (look good swinging from a yardarm)
d> One member of the BC Liberal Cabinet (a thank you from the citizens of BC)
How to select the douche bag to hang from the four subsets.
a> The Whistler Property Owners.
Since these douche bags benefit the most, their hanging should not be done from a trap door drop method that results in near instant death from neck dislocation. These people have earned the good old fashioned way. Noose over a tree branch, seat the plutocrat on a horse, make the horse bolt leaving the plutocrat hanging and squirming for the enjoyment of the masses.
You select the 7 douche bags using the BC Assessment Authority database. Every piece of property in Whistler has an assessed value for land tax purposes. Each dollar of assessment equals when selecting the first douche bag a 1 over the (total assessed value of Whistler) probability that they will be hung.
Douche bag two is a probability of 1 over the (total assessed value of Whistler less already hanged douche bag #1s property)
Douche bag three is a probability of 1 over the (total assessed value of Whistler less already hanged douche bag #1 & douche bag #2's property)
Etc until 7 plutocrats pay the price for their treachery........
b> A Pro Olympics weenie
Tally all the letters to the editor published in provincial newspapers supporting the olympics. Tally all the calls made in BC to open line radio shows supporting the olympics. Statistically weight the letters and calls by the average daily circulation of the news papers. Statistically weight the open line radio phone calls by average number of listeners during the segment.
Hold a lottery that gives a fair chance of being selected based on the statistical weighting.
Hang the stupid fool using a trapdoor gallows where death is instantaneous. Use Peidmonts weight tables for the length of the rope to ensure a humane kill.
Have microphones under the trap door to get a high quality recording of the sound of the neck dislocating. License the sound of the snapping neck to hip hop artists to loop in their songs.
c> Member of the Whistler Olympic Committee
These people can draw straws like the did in the time of Rome prior to decimating a century that lost their standard in battle. The person who is to be hanged, is to be done from a naval yardarm. Ensure they have a full ration of rum as per Royal Navy tradition. Watch them squirm.
d> Member of the BC Liberal Cabinet
They can draw straws. The winner is hanged from the lanyard that holds their VIP Pass.
Deep down I suspect that civilized people are prepared to accept the most barbarous of punishments being meted out to rear body orifice exit hole plurals, if the means of selection is fair and free of bias. After all the Romans built a great empire that lasted almost 1,800 years (if we include Byzantines) using methods such as this to teach morality. The British Empire only managed to last 200 years, the American Empire will be even shorter lived.
For the glory of Rome.
Friday, July 24, 2009
BC - The land of the 7% overnight inflation
"The B.C. government is introducing a 12 per cent harmonized sales tax it says will remove more than $2 billion in costs for B.C. businesses."
Anybody stupid enough to believe Gordon Campbell's and Colin Hansen's lies should be euathnized for spare parts to use to shorten transplant waiting lists.
I would have an easier time collecting 12% for the Crown if:
1> We held a lottery to randomly execute a handful of Whistler property owners as punishment for the winter Olympics.....
2> If we forced Gordo's mistress to cut his testicles off.
This tax makes me mad. This tax makes me want to seek out the FIFTH COLUMN, made up of human parasites and deal with them appropriately.
How come is it that Singapore has class sizes in elementary grades of 44 students and they produce brilliant kids, while we have 24 - 28 in the elementary grades and half the class have the competency of a retard. Maybe there is a fifth column in the teaching profession.
Maybe this tax rape is to pay for a multi-billion dollar sewage plant that has no scientific basis, but an ideological purpose? Spend 3 billion, without a single measurable improvement that any reputable scientist can name.
Maybe BC's Premier has given up on drunk driving and taken up drunk policy making instead.
Makes me want to either:
a: Become a small supplier and gross under 30K
b: Move to Alberta
Gordon Campbell and Colin Hansen. A Big "Jebo Ti Pas Majku" which translated into the Queens English "Their naked mothers were mounted by a male dog"
Maybe Gordo inherited his craziness from his father...........
I
Anybody stupid enough to believe Gordon Campbell's and Colin Hansen's lies should be euathnized for spare parts to use to shorten transplant waiting lists.
I would have an easier time collecting 12% for the Crown if:
1> We held a lottery to randomly execute a handful of Whistler property owners as punishment for the winter Olympics.....
2> If we forced Gordo's mistress to cut his testicles off.
This tax makes me mad. This tax makes me want to seek out the FIFTH COLUMN, made up of human parasites and deal with them appropriately.
How come is it that Singapore has class sizes in elementary grades of 44 students and they produce brilliant kids, while we have 24 - 28 in the elementary grades and half the class have the competency of a retard. Maybe there is a fifth column in the teaching profession.
Maybe this tax rape is to pay for a multi-billion dollar sewage plant that has no scientific basis, but an ideological purpose? Spend 3 billion, without a single measurable improvement that any reputable scientist can name.
Maybe BC's Premier has given up on drunk driving and taken up drunk policy making instead.
Makes me want to either:
a: Become a small supplier and gross under 30K
b: Move to Alberta
Gordon Campbell and Colin Hansen. A Big "Jebo Ti Pas Majku" which translated into the Queens English "Their naked mothers were mounted by a male dog"
Maybe Gordo inherited his craziness from his father...........
I
Thursday, July 23, 2009
Ass Rape 101 - BC & Ontario's biggest tax grab in history....
Today it was announced....
The province of BC has raised the GST rate to 12% effective July 1, 2010. The Province of Ontario has raised the GST there to 13% effective the same date.
Justification......
In the case of BC to ASS RAPE the populace to pay for the Whistler Olympics... (ie faster access for the plutocrats to their chalets)
In the case of Ontario to ASS RAPE the populace to pay for the provincial share of the auto bailout. (
Imagine a 7% hike in:
1> Restaurant meals
2> Any personal services
3> Concert tickets
4> Airline tickets
5> Hydro bills
6> Protein supplements
7> Basic phone bills
8> Counseling
9> Home renovations
A 7% provincial tax on labour.
Gordo deserves to be (conjunctive verb) up the (rear body orifice) with an elephants (noun male part used for conjugation) .
The province of BC has raised the GST rate to 12% effective July 1, 2010. The Province of Ontario has raised the GST there to 13% effective the same date.
Justification......
In the case of BC to ASS RAPE the populace to pay for the Whistler Olympics... (ie faster access for the plutocrats to their chalets)
In the case of Ontario to ASS RAPE the populace to pay for the provincial share of the auto bailout. (
Imagine a 7% hike in:
1> Restaurant meals
2> Any personal services
3> Concert tickets
4> Airline tickets
5> Hydro bills
6> Protein supplements
7> Basic phone bills
8> Counseling
9> Home renovations
A 7% provincial tax on labour.
Gordo deserves to be (conjunctive verb) up the (rear body orifice) with an elephants (noun male part used for conjugation) .
The big lie.....................................
"Tell a big lie often enough, with enough conviction and the masses are stupid enough to believe it" Joseph Goebbels.
In the case of today's society, a litmus test to see if you are stupid enough to fall for a big lie.
Cigarette smoking has a direct economic cost, and it leads to an increase in health care cost...... True or False
If you say false to the above statement you are correct. If you however say true to the above statement, you are gullible enough to fall for the big lie......
Here is the facts......
1> When dealing with smokers, MOST physicians discriminate against them... The same physician who says to hell with the Hippocratic oath when dealing with a smoker, will NOT discriminate against the OBESE....
2> Smokers have far fewer health care dollars expended on them than non-smokers. Most studies show that over the course of an individuals lifetime 50% of the health care dollars are spent in the last 2 years of life. On average a smoker has 50% of the health care costs than a non-smoker....
3> Smokers generate an enormous amount of tax revenue. Tobacco and alcohol are the only sins that have punitive taxes..
If you think I am pulling your leg with this post?????? Ask yourself a simple question......
Why does the government allow and encourage the provision of tax free tobacco products to Canada's Status Indians???????? Each aboriginal Canadian costs the taxpayer a fortune paying for their corrupt band councils, free university, welfare etc.......
If you can't trim costs with a Maxim gun...... Trim costs with a cigarette......
Today I start day 39 without a cigarette.....
In the case of today's society, a litmus test to see if you are stupid enough to fall for a big lie.
Cigarette smoking has a direct economic cost, and it leads to an increase in health care cost...... True or False
If you say false to the above statement you are correct. If you however say true to the above statement, you are gullible enough to fall for the big lie......
Here is the facts......
1> When dealing with smokers, MOST physicians discriminate against them... The same physician who says to hell with the Hippocratic oath when dealing with a smoker, will NOT discriminate against the OBESE....
2> Smokers have far fewer health care dollars expended on them than non-smokers. Most studies show that over the course of an individuals lifetime 50% of the health care dollars are spent in the last 2 years of life. On average a smoker has 50% of the health care costs than a non-smoker....
3> Smokers generate an enormous amount of tax revenue. Tobacco and alcohol are the only sins that have punitive taxes..
If you think I am pulling your leg with this post?????? Ask yourself a simple question......
Why does the government allow and encourage the provision of tax free tobacco products to Canada's Status Indians???????? Each aboriginal Canadian costs the taxpayer a fortune paying for their corrupt band councils, free university, welfare etc.......
If you can't trim costs with a Maxim gun...... Trim costs with a cigarette......
Today I start day 39 without a cigarette.....
Wednesday, July 22, 2009
Subprime Math
Canada is going to have a mortgage meltdown occurring within the next five years. It will be brought down by our own maple syrup flavoured sub-prime mortgage. The nickel down and 35 year to go kind.
Some interesting math based on the notion of "I can afford $2,500.00 per month. How much can I borrow?"
@ 8% with a 25 year amortization = $327,500
@ 8% with a 30 year amortization = $345,000
@ 8% with a 35 year amortization = $356,500
@ 8 % with a 40 year amortization = $364,500
@ 6% with a 25 year amortization = $390,500
@ 6% with a 30 year amortization = $420,000
@ 6% with a 35 year amortization = $442,000
@ 6 % with a 40 year amortization = $458,500
@ 2.75% with a 25 year amortization = $542,000
@ 2.75% with a 30 year amortization = $613,500
@ 2.75% with a 35 year amortization = $675,500
@ 2.75 % with a 40 year amortization = $729,000
The danger of mortgage qualification based on teaser rates is readily apparent in this analysis. Low interest rates combined with allowing long amortization periods is a recipe for disaster.
My solution for solving this potential problem and averting disaster.....
a> Use the bank act to make residential mortgages of terms longer than 25 years illegal.
b> Hold a lottery in the Federal Department of Housing of the committee members that allowed mortgages longer than 25 years in the first place. The winners are sentenced to the mortgage term length they allowed shoveling tar sands.
Some interesting math based on the notion of "I can afford $2,500.00 per month. How much can I borrow?"
@ 8% with a 25 year amortization = $327,500
@ 8% with a 30 year amortization = $345,000
@ 8% with a 35 year amortization = $356,500
@ 8 % with a 40 year amortization = $364,500
@ 6% with a 25 year amortization = $390,500
@ 6% with a 30 year amortization = $420,000
@ 6% with a 35 year amortization = $442,000
@ 6 % with a 40 year amortization = $458,500
@ 2.75% with a 25 year amortization = $542,000
@ 2.75% with a 30 year amortization = $613,500
@ 2.75% with a 35 year amortization = $675,500
@ 2.75 % with a 40 year amortization = $729,000
The danger of mortgage qualification based on teaser rates is readily apparent in this analysis. Low interest rates combined with allowing long amortization periods is a recipe for disaster.
My solution for solving this potential problem and averting disaster.....
a> Use the bank act to make residential mortgages of terms longer than 25 years illegal.
b> Hold a lottery in the Federal Department of Housing of the committee members that allowed mortgages longer than 25 years in the first place. The winners are sentenced to the mortgage term length they allowed shoveling tar sands.
Wednesday, July 15, 2009
Canada's subprime insanity....
Take a look at this article from the Globe and Mail.....
http://www.theglobeandmail.com/report-on-business/housing-sales-bounce-back-nationwide/article1218406/
It appears that Canada has caught subprime insanity...... A toxic brew of low interest rates, long amortization mortgages, compliant politicians/regulators, and ???, has created a screaming hot real estate market.
It will be like dejavu when the 35 year amortization mortgages have their intrest rate resets in anywhere from three to five years.
It will be like dejavu when people who bought housing because they qualified for 35 year mortgages at 2.85% suddenly find out that they are jobless.
It will be like dejavu when Canadians realize that you cannot base an econmy on building and selling housing to one another.
It will be like dejavu when the GST is back up to 7%, marginal tax rates are back over 50%, and public sector workers are getting their pink slips...
It will be one hell of a hangover.......
http://www.theglobeandmail.com/report-on-business/housing-sales-bounce-back-nationwide/article1218406/
It appears that Canada has caught subprime insanity...... A toxic brew of low interest rates, long amortization mortgages, compliant politicians/regulators, and ???, has created a screaming hot real estate market.
It will be like dejavu when the 35 year amortization mortgages have their intrest rate resets in anywhere from three to five years.
It will be like dejavu when people who bought housing because they qualified for 35 year mortgages at 2.85% suddenly find out that they are jobless.
It will be like dejavu when Canadians realize that you cannot base an econmy on building and selling housing to one another.
It will be like dejavu when the GST is back up to 7%, marginal tax rates are back over 50%, and public sector workers are getting their pink slips...
It will be one hell of a hangover.......
Tuesday, July 14, 2009
How to save the airline industry...............
Here is a link to an interesting New York Times article about the woes of the airline industry.
http://www.nytimes.com/2009/07/14/business/14airlines.html?hp
The reason people are flying less is that it has become such a hassle to fly. There are two major culprits:
1> Airport Security - Total time consuming pain in the ass, who would hijack an airplane with a pair of tweezers.
2> Obese people - Seat hogging, isle blocking people that when in airplanes behave like whales in a fishbowl.
These two problems could be easily addressed with the goal of reducing the hassles involved with flying. If it wasn't such a pain in the ass to fly, more people would do it.
Airport Security
Ann Coulter said it the best. If Muslims boycotted airline travel there would be no need for airport security.
There is an old saying, an ounce of prevention is worth a pound of cure. Find ways of making airplanes and airports "Non-Halal". This is as easily done as it is said. Some very simple suggestions:
a> Pass a requirement that airline seats must be upholstered with flame retardant pig skin leather.
b> Ban burquas and any form of Hajib clothing anywhere on airport property or in airplanes. If you want to dress like a dork from the thirteenth century, then you have no business using twentieth century conveniences.
c> Simplified security screening. Any passenger wanting to board an airplane is given two choices. Either they eat a barbecued pork rind washed down with a shot of bourbon, or they are subjected to a strip search. A barbecued pork rind has the consistency of a potato chip, and there is no icky factor of gelatinous chewy jiggly bits. Every Jew I know eats pork along with the Muslims from Hercegovina.
Obese People:
They take up more than their seat and intrude with their fat rolls on the space of another passenger that the obese person did not pay for. They move so slow in the crowded confines of an airplane that they slow loading and cause a safety hazard in an emergency.
Start an obesity environmental surcharge. To carry a fat person in an airplane releases far more greenhouse gases than carrying a person of normal weight. By using the global warming hoax as justification, you can circumvent all of the stupid anti-discrimination kangaroo tribunals. Weigh the individual and their luggage prior to boarding, and if their weight is above the guidelines, hammer them with hefty surcharges for every extra pound. Most importantly set an automatic tarn level for luggage based upon flight distance. Even if you have an empty suitcase, or no suitcase you are weight allotted the greater of the tarn level or your luggage weight.
Sometimes very complex problems have very simple solutions. Usually the only obstacle to the simple solution is the will to solve the problem.
http://www.nytimes.com/2009/07/14/business/14airlines.html?hp
The reason people are flying less is that it has become such a hassle to fly. There are two major culprits:
1> Airport Security - Total time consuming pain in the ass, who would hijack an airplane with a pair of tweezers.
2> Obese people - Seat hogging, isle blocking people that when in airplanes behave like whales in a fishbowl.
These two problems could be easily addressed with the goal of reducing the hassles involved with flying. If it wasn't such a pain in the ass to fly, more people would do it.
Airport Security
Ann Coulter said it the best. If Muslims boycotted airline travel there would be no need for airport security.
There is an old saying, an ounce of prevention is worth a pound of cure. Find ways of making airplanes and airports "Non-Halal". This is as easily done as it is said. Some very simple suggestions:
a> Pass a requirement that airline seats must be upholstered with flame retardant pig skin leather.
b> Ban burquas and any form of Hajib clothing anywhere on airport property or in airplanes. If you want to dress like a dork from the thirteenth century, then you have no business using twentieth century conveniences.
c> Simplified security screening. Any passenger wanting to board an airplane is given two choices. Either they eat a barbecued pork rind washed down with a shot of bourbon, or they are subjected to a strip search. A barbecued pork rind has the consistency of a potato chip, and there is no icky factor of gelatinous chewy jiggly bits. Every Jew I know eats pork along with the Muslims from Hercegovina.
Obese People:
They take up more than their seat and intrude with their fat rolls on the space of another passenger that the obese person did not pay for. They move so slow in the crowded confines of an airplane that they slow loading and cause a safety hazard in an emergency.
Start an obesity environmental surcharge. To carry a fat person in an airplane releases far more greenhouse gases than carrying a person of normal weight. By using the global warming hoax as justification, you can circumvent all of the stupid anti-discrimination kangaroo tribunals. Weigh the individual and their luggage prior to boarding, and if their weight is above the guidelines, hammer them with hefty surcharges for every extra pound. Most importantly set an automatic tarn level for luggage based upon flight distance. Even if you have an empty suitcase, or no suitcase you are weight allotted the greater of the tarn level or your luggage weight.
Sometimes very complex problems have very simple solutions. Usually the only obstacle to the simple solution is the will to solve the problem.
Sunday, July 12, 2009
The Madoff Affair - The list of villians starting with the worst....
Mister Squishy - Every twist and turn of the Madoff affair exposes more and more of the corruption and filth that the world refers to as finance. Bernard Madoff pleaded guilty to running the largest detected Collapsed Pozni scam in history. For this he received a sentence of 150 years in a Federal Penitentiary. What is amazing however is that there are participants in the Madoff saga that in my opinion are deserving far worse punishments than Bernard Madoff. These individuals either gained more materially than Bernie Madoff, or the enabled the scam to dramatically increase in size and scope. I have invited Vlad the Impaler back to help me in figuring out how to get punishments that are appropriate with the crime.
I have asked Vlad to list them in order of worst, to Bernie Madoff, and to have his suggestions as to what their punishments should be. Welcome back Vlad, you can take the mike and be in charge for the rest of this post.
Vlad the Impaler - Thanks for having me back. I was enjoying my time in the Republika Srpska looking for Ratko. I could not find him, but is sure enjoyed the plum brandy. The Serbs sure know how to party. I could see why you have such a strong attraction to Serbian women...
Now for deciding punishments, this is almost as much fun as having Saxon merchants with faulty scales impaled... Lets see, if Bernie got 150 years then.....
The Madoff offenders, starting with the worst:
1> Harry Markopolos - The alleged "Whistle blower" - deserves to have his eyes gouged out, his tongue amputated, and his testicles cut off with piano wire......
This guy takes the cake. He is a competing hedge fund manager who has been on a crusade to snitch against Madoff for the last ten years. He even went to the extent of constructing mathematical models that proved Madoff was running a fraud. Why do I feel this individual deserves the most savage and sever punishment of anyone involved with the Madoff Drama....
Harry Markopolos never reported his findings to police agencies. He only reported his findings to civil agencies that provided rewards for confidential tipsters. He could have picked up the phone and called 911 ten years ago and Madoff's fraud would have been over but he did not. He benefited from Madoffs fraud by showing prospective clients of his that the competitor was a fraud, and in my opinion he knowingly aided the fraud and profited from it. For blowing his horn so hard making himself seem like an angel after the fact, he angered me. Markopolos is in my opinion the ultimate form of subhuman low life, "A SNITCH FOR HIRE"
2> Jeffery Picower - The largest financial benefactor - Deserves to have his testicles cut off with piano wire, his tongue cut out, and his current photo and address details available to all the net losers in the Madoff fraud.
This guy takes the cake. He funneled funds to Madoff in return for juicing his small accounts with 1,000% returns in some years. He gained $5.1 billion dollars from the fraud, portrayed himself as a victim, and is now being sued by the trustees to recover the money.
I feel his proposed punishment suits his crime, because he will have the opportunity to see death, and guess who the source is when death due to his fraud eventually comes his way. Lacking a tongue, he will be denied his final screams of terror.
3> The Partners of the Fairfield Greenwich Group (Noel, Tucker et al...) - The second largest financial benefactors who collected $1,000,000,000 in fees for alleging to perform the most advanced due diligence on the planet when all they did was give Madoff $7.1 Billion no questions asked. - The men who are partners deserve to have their tongues cut out, have 750cc breast implants installed, their bodies shaved, and be abandoned in a Turkish Bathhouse. The women who are partners in Fairfield Greenwich are to be sold to the Arabs for use as concubines.
Fairfield Greenwich was the filthiest of human whores. The partners deserve to be made whores of the people who treat whores the worst, Infidels......
4> The principals of the remaining feeder funds - All off them are to get their tongues cut out, and their eyes gouged out. They took massive fees for claiming to do extensive due diligence, when they did nothing but give money to Madoff.
Make the punishment fit the crime. They claimed to use their eyes to do due diligence, and they lied with their tongues that they did due diligence.
5> The individual investors that Frank DiPascali fingers - These individuals are to have their tongues cut out.
Again we make the punishment fit the crime. The eight special investors instructed Madoff's crew as to what their required returns were. They used their tongues to commit their crime, hence they deserve to lose them.
Mister Squishy - So Vlad, in your opinion, these individuals were all worse than Madoff....
Vlad the Impaler - Yes they were. Its so unfair that I had Madoff's 150 year sentence as a guideline. Otherwise, I would have just impaled anyone who received any financial benefit from the Madoff affair. Every net gainer deserved the blunt stake.
I have asked Vlad to list them in order of worst, to Bernie Madoff, and to have his suggestions as to what their punishments should be. Welcome back Vlad, you can take the mike and be in charge for the rest of this post.
Vlad the Impaler - Thanks for having me back. I was enjoying my time in the Republika Srpska looking for Ratko. I could not find him, but is sure enjoyed the plum brandy. The Serbs sure know how to party. I could see why you have such a strong attraction to Serbian women...
Now for deciding punishments, this is almost as much fun as having Saxon merchants with faulty scales impaled... Lets see, if Bernie got 150 years then.....
The Madoff offenders, starting with the worst:
1> Harry Markopolos - The alleged "Whistle blower" - deserves to have his eyes gouged out, his tongue amputated, and his testicles cut off with piano wire......
This guy takes the cake. He is a competing hedge fund manager who has been on a crusade to snitch against Madoff for the last ten years. He even went to the extent of constructing mathematical models that proved Madoff was running a fraud. Why do I feel this individual deserves the most savage and sever punishment of anyone involved with the Madoff Drama....
Harry Markopolos never reported his findings to police agencies. He only reported his findings to civil agencies that provided rewards for confidential tipsters. He could have picked up the phone and called 911 ten years ago and Madoff's fraud would have been over but he did not. He benefited from Madoffs fraud by showing prospective clients of his that the competitor was a fraud, and in my opinion he knowingly aided the fraud and profited from it. For blowing his horn so hard making himself seem like an angel after the fact, he angered me. Markopolos is in my opinion the ultimate form of subhuman low life, "A SNITCH FOR HIRE"
2> Jeffery Picower - The largest financial benefactor - Deserves to have his testicles cut off with piano wire, his tongue cut out, and his current photo and address details available to all the net losers in the Madoff fraud.
This guy takes the cake. He funneled funds to Madoff in return for juicing his small accounts with 1,000% returns in some years. He gained $5.1 billion dollars from the fraud, portrayed himself as a victim, and is now being sued by the trustees to recover the money.
I feel his proposed punishment suits his crime, because he will have the opportunity to see death, and guess who the source is when death due to his fraud eventually comes his way. Lacking a tongue, he will be denied his final screams of terror.
3> The Partners of the Fairfield Greenwich Group (Noel, Tucker et al...) - The second largest financial benefactors who collected $1,000,000,000 in fees for alleging to perform the most advanced due diligence on the planet when all they did was give Madoff $7.1 Billion no questions asked. - The men who are partners deserve to have their tongues cut out, have 750cc breast implants installed, their bodies shaved, and be abandoned in a Turkish Bathhouse. The women who are partners in Fairfield Greenwich are to be sold to the Arabs for use as concubines.
Fairfield Greenwich was the filthiest of human whores. The partners deserve to be made whores of the people who treat whores the worst, Infidels......
4> The principals of the remaining feeder funds - All off them are to get their tongues cut out, and their eyes gouged out. They took massive fees for claiming to do extensive due diligence, when they did nothing but give money to Madoff.
Make the punishment fit the crime. They claimed to use their eyes to do due diligence, and they lied with their tongues that they did due diligence.
5> The individual investors that Frank DiPascali fingers - These individuals are to have their tongues cut out.
Again we make the punishment fit the crime. The eight special investors instructed Madoff's crew as to what their required returns were. They used their tongues to commit their crime, hence they deserve to lose them.
Mister Squishy - So Vlad, in your opinion, these individuals were all worse than Madoff....
Vlad the Impaler - Yes they were. Its so unfair that I had Madoff's 150 year sentence as a guideline. Otherwise, I would have just impaled anyone who received any financial benefit from the Madoff affair. Every net gainer deserved the blunt stake.
Saturday, July 11, 2009
Lets switch to large scale organics. Have a Holiday in Cambodia
“The greatest catastrophe that the human race could face this century is not global warming but a global conversion to ‘organic' farming,” Dr. John Emsley, Cambridge University
According to Dr. Emsley's estimate a global switch to organics would result in death on a global scale comparable to the killing fields of Cambodia.... 2 BILLION people would either starve or have to be killed....
Why? Because over 40% of current agricultural output is due to the use of chemical fertilizers and pesticides. Maybe another 20% is due to increased CO2 concentrations in the atmosphere.
Imagine the 100 mile diet practically applied. All, of humanity is divided into 100 mile quadrants. They people in their quadrants are responsible for all their own needs. Everything is decided on the local level...
Eventually when the first crop is not even ready for harvest, people who are working hard in the fields start to resent the mouthpieces preaching organics and local food.
The first harvest comes in and there is not enough food to last the winter.
People slowly starve.
One of the hard working farmers has a brilliant idea...
Lets kill an organic food advocate, and eat him or her thereby averting starvation. The group justifies it since the local food advocate just blows wind but overall is a drain on food security...
Lets kill the cripple and eat him is the next idea. They are not food producers, and eat them....
Gradually more and more people are killed until an equilibrium with organic food production and population food need is reached...
When I look at yuppie dumb asses preaching the organic local mantra..... I just see an individual who is incapable of seeing what the logical conclusion of their idea is.
It will be nice wearing my Khmer Rouge Krahmak again.... Thank goodness I leaarned the art of carrot pulling under the hot sun in the village of TINJ.
According to Dr. Emsley's estimate a global switch to organics would result in death on a global scale comparable to the killing fields of Cambodia.... 2 BILLION people would either starve or have to be killed....
Why? Because over 40% of current agricultural output is due to the use of chemical fertilizers and pesticides. Maybe another 20% is due to increased CO2 concentrations in the atmosphere.
Imagine the 100 mile diet practically applied. All, of humanity is divided into 100 mile quadrants. They people in their quadrants are responsible for all their own needs. Everything is decided on the local level...
Eventually when the first crop is not even ready for harvest, people who are working hard in the fields start to resent the mouthpieces preaching organics and local food.
The first harvest comes in and there is not enough food to last the winter.
People slowly starve.
One of the hard working farmers has a brilliant idea...
Lets kill an organic food advocate, and eat him or her thereby averting starvation. The group justifies it since the local food advocate just blows wind but overall is a drain on food security...
Lets kill the cripple and eat him is the next idea. They are not food producers, and eat them....
Gradually more and more people are killed until an equilibrium with organic food production and population food need is reached...
When I look at yuppie dumb asses preaching the organic local mantra..... I just see an individual who is incapable of seeing what the logical conclusion of their idea is.
It will be nice wearing my Khmer Rouge Krahmak again.... Thank goodness I leaarned the art of carrot pulling under the hot sun in the village of TINJ.
Thursday, July 9, 2009
Just because I ???? does not mean that I am gay......
"Why is it that all the best guys out there are either married or gay?" (unknown woman)
A funny thing happens if you are a man who during his mid 40's works hard at getting into the best shape of their life..... Women who have never met you before automatically assume you are gay. Couples who stroll by you at the doggie park have the husband/boyfriends use their wives girlfriends as human shields. I discussed this matter with some of my female friends, and they helped me come up with these "Gaydar Triggers"
1> You have female friends that you have never tried to lay - Flies in the face of the rule "Men are Pigs"
2> You are impeccably groomed - No hanging nose hairs, no uni brow & no wedding band.
3> No beer gut - Straight men grow these protuberances eating chicken wings and drinking beer..
4> You own a smartcar - Cars are an extension of a man's #@$, and why would a man be driving something so cute
5> Shaved head - Straight guys don't give a damn what they look like. So if they have male pattern baldness they wear the halo.
6> You own a toy breed dog - Dogs are an extension of a man's #@$, and why would a man be walking something so cute
7> iPod Shuffle - Straight guys love their gadgets and the shuffle is to tasteful and unobtrusive.
8> Wearing mandex shirts - If you worked as hard as I did to go from a 43" waist to a 32" waist with a 6-pack, wouldn't you want to share it?
9> Wearing nice cologne - Dolche and Gabana smells good. What is wrong with that?
10> Use the Queen's English appropriately - If you do not always utter hugh, what, uh.... gay, gay, gay.
The list goes on and on..........
It's not worth giving up what i have accomplished just so that women think I am straight. What does it take, a mandex shirt with "I'm not gay I just take care of myself" emblazoned on the front?
A funny thing happens if you are a man who during his mid 40's works hard at getting into the best shape of their life..... Women who have never met you before automatically assume you are gay. Couples who stroll by you at the doggie park have the husband/boyfriends use their wives girlfriends as human shields. I discussed this matter with some of my female friends, and they helped me come up with these "Gaydar Triggers"
1> You have female friends that you have never tried to lay - Flies in the face of the rule "Men are Pigs"
2> You are impeccably groomed - No hanging nose hairs, no uni brow & no wedding band.
3> No beer gut - Straight men grow these protuberances eating chicken wings and drinking beer..
4> You own a smartcar - Cars are an extension of a man's #@$, and why would a man be driving something so cute
5> Shaved head - Straight guys don't give a damn what they look like. So if they have male pattern baldness they wear the halo.
6> You own a toy breed dog - Dogs are an extension of a man's #@$, and why would a man be walking something so cute
7> iPod Shuffle - Straight guys love their gadgets and the shuffle is to tasteful and unobtrusive.
8> Wearing mandex shirts - If you worked as hard as I did to go from a 43" waist to a 32" waist with a 6-pack, wouldn't you want to share it?
9> Wearing nice cologne - Dolche and Gabana smells good. What is wrong with that?
10> Use the Queen's English appropriately - If you do not always utter hugh, what, uh.... gay, gay, gay.
The list goes on and on..........
It's not worth giving up what i have accomplished just so that women think I am straight. What does it take, a mandex shirt with "I'm not gay I just take care of myself" emblazoned on the front?
Wednesday, July 8, 2009
Restoritative Dentistry - A Hercegovian's Opinion
Lets start with my first opinion..........
As a general rule I dislike Dentists. In my opinion over 90% of the dental profession are self serving bloodsuckers, whose greatest talent is using computer assisted techniques to rape an employer sponsored dental plan for every last cent. For 90 % of dentists, their profession is a means to an end... Either the funding of an opulent lifestyle, or the financing of a band of bloodsuckers (dentist's family) opulent lifestyle.
Now my disclaimer. Do not take my opinions in this column post as dental advice. Only a member of the College of Dental Surgeons is qualified to give dental advice. Any advice I provide is based upon the authority of being born a pure blooded Hercegovian. My Hercegovian ancestors were a European people for 20,000 years while the ancestors of the College of Dental Surgeons were busy (conjugation verb), somewhere in Asia.......
So here you have it..... A Hercegovian's opinion.....
1> Dental Bridges - To fill the gap created by the loss of a tooth......
Dentist's opinion - This is a good procedure. It creates a physical block in the form of a fake tooth that will keep the remaining teeth in their correct position and prevent the other teeth from shifting. It can cover a gap of one or two teeth. It requires that the healthy teeth on either side of the gap have a dental crown placed upon them to anchor the metal band that holds the fake tooth/teeth.
Hercegovian's opinion - This is a stupid procedure. It requires the damaging of the healthy teeth on either side of the gap to crown them. It creates a gap under the fake teeth where germs and bacteria could fester (Hercegovians hate germs and filth) in a warm moist dark filth pocket that's almost impossible to clean. These germs destroy the unprotected parts of the crowned bridge anchor teeth, and quite often before you manage to pay off the indebtedness brought about by the crown and bridge work, the underlying teeth are destroyed, and you require even more expensive dental work to repair the damage.
A Hercegovian's solution... If you loose a tooth and the teeth beside it are healthy... Instead of paying $3,000 for a dental bridge..... Drop the $4,000 to $5,000 required for an oseointegrated titanium post, and cap the post with a gold crown. This prevents you from having to pay $12,000 to $15,000 for three titanium implants to fix the damage that the dental bridge caused.
2> Porcelain Dental Crowns - To restore a tooth with insufficient healthy faces left for the anchoring of a composite filling.
Dentist's opinion - This is a good step. It allows you to cover the above gum surface of a tooth with a ceramic structure that can almost be matched to the colour of your remaining teeth...
Hercegovian's opinion - This is s dumb move..... A porcelain crown requires the removal of 1.5mm of tooth enamel so that the crown can meet the shape of the original tooth. A far better solution is a GOLD crown that requires the removal of only 0.5mm of tooth enamel so the crown can match the shape of the original tooth...
Hercegovian's Solution - Is far superior, since 0.5mm removal means 1/8th of the damage to the underlying tooth compared to the porcelain crown. In addition, a gold crown will never crack or shatter..... I wish the same could be said about porcelain crowns.... Besides, having GOLD in ones mouth is SEXY.......
So to reiterate, a Hercegovian's take on restorative dentistry:
1> Never get a dental bridge. If you loose a tooth, either learn to live with the gap, or be a big person and pony up the dough for a proper dental implant.
2> Never get a porcelain crown, other than for the incisor teeth (the front four top, and bottom). Why inflict 8 times more mechanical damage than is absolutely necessary to a tooth that mother nature and millions of years of evolution have designed....
I myself have three gold crowns that were inserted in my mouth 15 years ago. They were necessary to fix the damage that was caused by the previous dentist who was a dental plan raping mouth butcher. For the last fifteen years I have been lucky to have a dentist who is in the minority. He has integrity. I dread the day when he retires, because I will be forced to learn how to fix my own teeth..
As a general rule I dislike Dentists. In my opinion over 90% of the dental profession are self serving bloodsuckers, whose greatest talent is using computer assisted techniques to rape an employer sponsored dental plan for every last cent. For 90 % of dentists, their profession is a means to an end... Either the funding of an opulent lifestyle, or the financing of a band of bloodsuckers (dentist's family) opulent lifestyle.
Now my disclaimer. Do not take my opinions in this column post as dental advice. Only a member of the College of Dental Surgeons is qualified to give dental advice. Any advice I provide is based upon the authority of being born a pure blooded Hercegovian. My Hercegovian ancestors were a European people for 20,000 years while the ancestors of the College of Dental Surgeons were busy (conjugation verb), somewhere in Asia.......
So here you have it..... A Hercegovian's opinion.....
1> Dental Bridges - To fill the gap created by the loss of a tooth......
Dentist's opinion - This is a good procedure. It creates a physical block in the form of a fake tooth that will keep the remaining teeth in their correct position and prevent the other teeth from shifting. It can cover a gap of one or two teeth. It requires that the healthy teeth on either side of the gap have a dental crown placed upon them to anchor the metal band that holds the fake tooth/teeth.
Hercegovian's opinion - This is a stupid procedure. It requires the damaging of the healthy teeth on either side of the gap to crown them. It creates a gap under the fake teeth where germs and bacteria could fester (Hercegovians hate germs and filth) in a warm moist dark filth pocket that's almost impossible to clean. These germs destroy the unprotected parts of the crowned bridge anchor teeth, and quite often before you manage to pay off the indebtedness brought about by the crown and bridge work, the underlying teeth are destroyed, and you require even more expensive dental work to repair the damage.
A Hercegovian's solution... If you loose a tooth and the teeth beside it are healthy... Instead of paying $3,000 for a dental bridge..... Drop the $4,000 to $5,000 required for an oseointegrated titanium post, and cap the post with a gold crown. This prevents you from having to pay $12,000 to $15,000 for three titanium implants to fix the damage that the dental bridge caused.
2> Porcelain Dental Crowns - To restore a tooth with insufficient healthy faces left for the anchoring of a composite filling.
Dentist's opinion - This is a good step. It allows you to cover the above gum surface of a tooth with a ceramic structure that can almost be matched to the colour of your remaining teeth...
Hercegovian's opinion - This is s dumb move..... A porcelain crown requires the removal of 1.5mm of tooth enamel so that the crown can meet the shape of the original tooth. A far better solution is a GOLD crown that requires the removal of only 0.5mm of tooth enamel so the crown can match the shape of the original tooth...
Hercegovian's Solution - Is far superior, since 0.5mm removal means 1/8th of the damage to the underlying tooth compared to the porcelain crown. In addition, a gold crown will never crack or shatter..... I wish the same could be said about porcelain crowns.... Besides, having GOLD in ones mouth is SEXY.......
So to reiterate, a Hercegovian's take on restorative dentistry:
1> Never get a dental bridge. If you loose a tooth, either learn to live with the gap, or be a big person and pony up the dough for a proper dental implant.
2> Never get a porcelain crown, other than for the incisor teeth (the front four top, and bottom). Why inflict 8 times more mechanical damage than is absolutely necessary to a tooth that mother nature and millions of years of evolution have designed....
I myself have three gold crowns that were inserted in my mouth 15 years ago. They were necessary to fix the damage that was caused by the previous dentist who was a dental plan raping mouth butcher. For the last fifteen years I have been lucky to have a dentist who is in the minority. He has integrity. I dread the day when he retires, because I will be forced to learn how to fix my own teeth..
Tuesday, July 7, 2009
The danger of low mortgage rates........
In Canada, BC and Ottawa in particular, the real estate market has heated up again.
The month of June saw record sales volumes in Vancouver, Victoria, and Ottawa. Hordes of panicked first time buyers forgetting the lessons of last two years clamoring to buy a piece of real estate they could not afford, and justifying their silly decision upon the piece of property they are after being far less affordable now than in the future. " Damn the Price, even though I can't afford it, I know that I am certain to be never able to afford it unless I act now". Sound familiar......
What has driven this mad frenzy is a combination of two factors that taken together have the potential to cause the perfect storm.
1> All time low mortgage rates such as 2.85% five year fixed floating &
2> Long amortization period mortgages such as 30 to 40 year periods, with up to a maximum 10 year fixed interest term.
Together these two factors form a particularly toxic brew. The low interest rates dramatically lower the monthly payment by increasing the amortization term of a mortgage. This allows individuals to take on far higher levels of indebtedness than would be considered prudent.
Lets take an example of borrowing $500,000 at 8% interest rate for a five year term and varying amortization periods.
$500,000 @ 8%, with a 25 year amortization (assuming interest rates remain constant)
Monthly payment = $3,816.07
Sum of 300 payments = $1,144,821
Interest over term of loan = $644,821
Principal outstanding end of year 5 = $ 456,228 (91.25% of original debt outstanding)
Principal paid down end of year 5 = $43,772
$500,000 @ 8% with a 35 year amortization (assuming interest rates remain constant)
Monthly payment = $3,504.13 ( a 8.2% monthly savings versus 25 year amortization)
Sum of 420 payments = $1,447,072 (a 26.4% increase in total payments)
Interest over term of loan = $947,072 ( a 46.87% increase in financing costs)
Principal outstanding end of year 5 = $ 477,555 (95.51% of original debt outstanding)
Principal paid down end of year 5 = $22,445 (48.73% less principal pay down)
AS you see, when interest rates are near there historic averages, there are really no short term advantages to long amortization term mortgages. There is a limited down side potential in either case at the end of five years, because when its time to renegotiate the interest rate, chances are your next 5 year rate won't be that materially different than your initial five year rate.
Now lets see who seductive long amortization terms become when interest rates become unusually low.
Lets take an example of borrowing $500,000 at 2.85% interest rate floating relative to prime for a five year term and varying amortization periods.
$500,000 @ 2.85% floating tied to prime, with a 25 year amortization (assuming interest rates remain constant, and pigs learn how to fly)
Monthly payment = $2,327.91
Sum of 300 payments = $698,373
Interest over term of loan = $198,373
Principal outstanding end of year 5 = $ 425,485 (85.01% of original debt outstanding)
Principal paid down end of year 5 = $74,515
$500,000 @ 2.85% floating tied to prime, with a 35 year amortization (assuming interest rates remain constant, and pigs learn how to fly)
Monthly payment = $1,878.02 ( a 19.33% monthly savings versus 25 year amortization)
Sum of 420 payments = $783,724 (a 12.22% increase in total payments)
Interest over term of loan = $283,725 ( a 43.03% increase in financing costs)
Principal outstanding end of year 5 = $ 454,114 (90.82% of original debt outstanding)
Principal paid down end of year 5 = $45,886 (38.42% less principal pay down)
$500,000 @ 2.85% floating tied to prime, with a 40 year amortization (assuming interest rates remain constant, and pigs learn how to fly)
Monthly payment = $1,742.20 ( a 25.16% monthly savings versus 25 year amortization)
Sum of 480 payments = $813,810 (a 16.53% increase in total payments)
Interest over term of loan = $313,890 ( a 58.23% increase in financing costs)
Principal outstanding end of year 5 = $ 462,701 (92.54% of original debt outstanding)
Principal paid down end of year 5 = $37,298 (49.96% less principal pay down)
Or put another way, if your maximum allowable mortgage payment is $2,327 per month, on a forty year amortization, you can borrow $667,000 based on a 2.85% variable rate.
The only way an individual rationally takes on a 40 year debt is if they expect inflation to magically make their debt disappear. If people are expecting inflation, then its twin brother high long term mortgage rates is waiting around the corner. When the interest rates reset anywhere in 3 to 5 years, they will be resetting at substantially higher rates. End result will be another sub-prime mortgage crisis brewing. This time with the label "Made in Canada" proudly affixed..
The month of June saw record sales volumes in Vancouver, Victoria, and Ottawa. Hordes of panicked first time buyers forgetting the lessons of last two years clamoring to buy a piece of real estate they could not afford, and justifying their silly decision upon the piece of property they are after being far less affordable now than in the future. " Damn the Price, even though I can't afford it, I know that I am certain to be never able to afford it unless I act now". Sound familiar......
What has driven this mad frenzy is a combination of two factors that taken together have the potential to cause the perfect storm.
1> All time low mortgage rates such as 2.85% five year fixed floating &
2> Long amortization period mortgages such as 30 to 40 year periods, with up to a maximum 10 year fixed interest term.
Together these two factors form a particularly toxic brew. The low interest rates dramatically lower the monthly payment by increasing the amortization term of a mortgage. This allows individuals to take on far higher levels of indebtedness than would be considered prudent.
Lets take an example of borrowing $500,000 at 8% interest rate for a five year term and varying amortization periods.
$500,000 @ 8%, with a 25 year amortization (assuming interest rates remain constant)
Monthly payment = $3,816.07
Sum of 300 payments = $1,144,821
Interest over term of loan = $644,821
Principal outstanding end of year 5 = $ 456,228 (91.25% of original debt outstanding)
Principal paid down end of year 5 = $43,772
$500,000 @ 8% with a 35 year amortization (assuming interest rates remain constant)
Monthly payment = $3,504.13 ( a 8.2% monthly savings versus 25 year amortization)
Sum of 420 payments = $1,447,072 (a 26.4% increase in total payments)
Interest over term of loan = $947,072 ( a 46.87% increase in financing costs)
Principal outstanding end of year 5 = $ 477,555 (95.51% of original debt outstanding)
Principal paid down end of year 5 = $22,445 (48.73% less principal pay down)
AS you see, when interest rates are near there historic averages, there are really no short term advantages to long amortization term mortgages. There is a limited down side potential in either case at the end of five years, because when its time to renegotiate the interest rate, chances are your next 5 year rate won't be that materially different than your initial five year rate.
Now lets see who seductive long amortization terms become when interest rates become unusually low.
Lets take an example of borrowing $500,000 at 2.85% interest rate floating relative to prime for a five year term and varying amortization periods.
$500,000 @ 2.85% floating tied to prime, with a 25 year amortization (assuming interest rates remain constant, and pigs learn how to fly)
Monthly payment = $2,327.91
Sum of 300 payments = $698,373
Interest over term of loan = $198,373
Principal outstanding end of year 5 = $ 425,485 (85.01% of original debt outstanding)
Principal paid down end of year 5 = $74,515
$500,000 @ 2.85% floating tied to prime, with a 35 year amortization (assuming interest rates remain constant, and pigs learn how to fly)
Monthly payment = $1,878.02 ( a 19.33% monthly savings versus 25 year amortization)
Sum of 420 payments = $783,724 (a 12.22% increase in total payments)
Interest over term of loan = $283,725 ( a 43.03% increase in financing costs)
Principal outstanding end of year 5 = $ 454,114 (90.82% of original debt outstanding)
Principal paid down end of year 5 = $45,886 (38.42% less principal pay down)
$500,000 @ 2.85% floating tied to prime, with a 40 year amortization (assuming interest rates remain constant, and pigs learn how to fly)
Monthly payment = $1,742.20 ( a 25.16% monthly savings versus 25 year amortization)
Sum of 480 payments = $813,810 (a 16.53% increase in total payments)
Interest over term of loan = $313,890 ( a 58.23% increase in financing costs)
Principal outstanding end of year 5 = $ 462,701 (92.54% of original debt outstanding)
Principal paid down end of year 5 = $37,298 (49.96% less principal pay down)
Or put another way, if your maximum allowable mortgage payment is $2,327 per month, on a forty year amortization, you can borrow $667,000 based on a 2.85% variable rate.
The only way an individual rationally takes on a 40 year debt is if they expect inflation to magically make their debt disappear. If people are expecting inflation, then its twin brother high long term mortgage rates is waiting around the corner. When the interest rates reset anywhere in 3 to 5 years, they will be resetting at substantially higher rates. End result will be another sub-prime mortgage crisis brewing. This time with the label "Made in Canada" proudly affixed..
Saturday, July 4, 2009
That which does not kill you can only make you stronger....
For the third time in my life I have broken a bone. For the first time in my life my brother has nothing to do with it....
Break #1 - Nose
Cause - Pissed off brother enough that he threw an inanimate object at me.
Result - Broken nose, bled all over aunts shag carpet. Got supreme hell from mother for bleeding all over a shag carpet. Wished that we all lived in the ghetto where the furniture and carpets were covered in plastic so they wouldn't be wrecked by someone bleeding from a gunshot wound.
Lesson Learned - Don't push things to far. Everyone has a breaking point, and quite often it is the dumb ass that's on the receiving end who should bear partial responsibility. If you are pushing someones button and you see them crush a billiards ball in their bare hands, "Back Off".
Break # 2 - Right Clavicle
Cause - Pissed off brother enough that he threw me in a Judo throw.
Result - Broke clavicle bone right before the neck. Had to wear a clavicle brace for three weeks. Learned to empathize with women regarding the problem of ill fitting braziers.
Lesson Learned - If you have a clean break, and you allow the bone to heal properly, it heals back stronger than the original bone that was broken. If you subsequently re-break the bone, it will break at another spot other than the spot where it initially broke. Learned how to ride a racing bicycle really well without using my hands on the handlebars.
Break # 3 - Bottom right rib
Cause - I panicked and failed to follow direction on how to recover. I let go of the oar handles which is something that should never be done in a scull, and tried to grab the outriggers.
Result - Broken carbon fibre outrigger, fractured rib. Hurts to bend, cough, sneeze, sleep, turn torso, but most of all hiccup..... Prior to fracture, I was capable of doing a set of100 oblique twist sit ups every night before bed. After fracture, could only do 2. Smart enough to know that trying to do a third oblique twist = end result of bad pain. Awesome painkillers, just exercise caution when near paper, staplers, shredders, elastic bands and anything that could wind up in your eye.
Lesson Learned - How to work around my injury. If I can't do oblique twist sit ups, at least I can do regular military sit ups. If I can't work the obliques directly, work them indirectly by re-allocating the poundage to dumbbell shoulder presses. Most importantly, I cannot allow my physiological change process to slow down. A week of bed rest with ample doses of opioid probably did more damage to my body than the injury. While you may never be too old to start getting into shape, you can certainly be too old to allow yourself to stop working to stay in shape.
Back on track to 1,000,000 KG of dumbbell lifts by the one year anniversary of my return from TINJ.
Break #1 - Nose
Cause - Pissed off brother enough that he threw an inanimate object at me.
Result - Broken nose, bled all over aunts shag carpet. Got supreme hell from mother for bleeding all over a shag carpet. Wished that we all lived in the ghetto where the furniture and carpets were covered in plastic so they wouldn't be wrecked by someone bleeding from a gunshot wound.
Lesson Learned - Don't push things to far. Everyone has a breaking point, and quite often it is the dumb ass that's on the receiving end who should bear partial responsibility. If you are pushing someones button and you see them crush a billiards ball in their bare hands, "Back Off".
Break # 2 - Right Clavicle
Cause - Pissed off brother enough that he threw me in a Judo throw.
Result - Broke clavicle bone right before the neck. Had to wear a clavicle brace for three weeks. Learned to empathize with women regarding the problem of ill fitting braziers.
Lesson Learned - If you have a clean break, and you allow the bone to heal properly, it heals back stronger than the original bone that was broken. If you subsequently re-break the bone, it will break at another spot other than the spot where it initially broke. Learned how to ride a racing bicycle really well without using my hands on the handlebars.
Break # 3 - Bottom right rib
Cause - I panicked and failed to follow direction on how to recover. I let go of the oar handles which is something that should never be done in a scull, and tried to grab the outriggers.
Result - Broken carbon fibre outrigger, fractured rib. Hurts to bend, cough, sneeze, sleep, turn torso, but most of all hiccup..... Prior to fracture, I was capable of doing a set of100 oblique twist sit ups every night before bed. After fracture, could only do 2. Smart enough to know that trying to do a third oblique twist = end result of bad pain. Awesome painkillers, just exercise caution when near paper, staplers, shredders, elastic bands and anything that could wind up in your eye.
Lesson Learned - How to work around my injury. If I can't do oblique twist sit ups, at least I can do regular military sit ups. If I can't work the obliques directly, work them indirectly by re-allocating the poundage to dumbbell shoulder presses. Most importantly, I cannot allow my physiological change process to slow down. A week of bed rest with ample doses of opioid probably did more damage to my body than the injury. While you may never be too old to start getting into shape, you can certainly be too old to allow yourself to stop working to stay in shape.
Back on track to 1,000,000 KG of dumbbell lifts by the one year anniversary of my return from TINJ.
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