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When American Dreams Clash

The Clash!

The dream of home ownership is losing out to the dream of owning a small business. The business of buying, fixing up, and selling homes called flipping. Right now these businesses and their cash are flipping the bird to some young American families trying to claw their way back in to the Middle Class.

Dilemma!

So what then is a solution to this dilemma? Is it a supply issue? Is it a demand issue? Is it a credit issue? Is it that the American Dream is just that, a dream, a fantasy of days gone by? I think the answer is yes. Yes to all that and more. This issue is extremely complex. I think one practical solution is to know your personal situation, save, wait and if the opportunity to buy a home never comes the wost thing you have is more savings than you would have had otherwise.

These flippers can do great things for neighborhoods. They increase the property value of the surrounding homes each time they buy and fix a broken down home. This is usually the ugliest home on the block, too. That is where the deal is. The uglier the better!

Cash is king in a sagging economy. At a time when banks are trying unload foreclosed homes if you have cash you can and will get a great deal. The problem comes when the flippers show up and start bidding up the price of the home and new home buyers are there watching their dreams fade away. Another solution may be that at auction the buyer must qualify for the same loan type that the previous owner had. So if this was a 1st time home buyer then only another first time home buyer could buy that home.

That may leave banks to be stuck with inventory that is literally rotting. This makes the available funds banks have to lend to new home buyers lower. So again, no easy answer.

Success!

Last summer my wife and I bought a condo in the Bay Area in California. I am from the Mid West (go Browns!) and I have to say that the real estate market here was and still is completely unreal. A reality unto itself the prices here somehow always outpace incomes. But, last summer, in the midst of the world committing Harry Carry due to just plain old greed going bad, my wife and I found ourselves in a crazy position. We could afford to buy, get a real 30 yr fixed FHA secured loan at 4.75% with very little money down. “Little money” is relative. Where I’m from that could have bought a “fixer upper” house for cash. And most of that cash was a gift that my wife and I are extremely thankful for.

This felt like winning the lottery. We now have our own home, in a great area, full of families and kids for our children to play and grow with. We set ourselves up to be able to pounce on this by having our credit reports cleaned up, saving as much as we could, finding a great realtor (who is still our friend and manages our softball team), and trusting in ourselves.

Conclusion

In the end, this is the United States of America. Both of these two American Dreams are still alive. Attaining dreams was, is, and never will be easy! If you want something bad enough, are willing to sacrifice enough, and work hard to create your own luck you can make your American Dreams come true!

Also Published @ BrooWaha!

Blogged with the Flock Browser

It Just Works – Xmarks

Tired of loosing your browser favorites when your computer dies? Wish you had your work favorites at home or the other way around? Then Xmarks the spot for you!

Xmarks is one of those computer tools that simply “Just Works”.

The four main features are:

1) Free online backup of your web browser favorites and passwords.

2) Free synchronization of those favorites and passwords across all major browsers AND operating systems.

3) Ratings and built in Facebook posting of bookmarked pages

4) Smarter searches online with Xmarks ratings right in-line with your Google searches

There are four main features that are all great and to learn about them all watch the video. I’m going to focus on features one and two. Features three and four are “nice to have” in my opinion. Features one and two are what make this tool a standard in my “new computer setup checklist”.

My wife has a Windows 7 computer with Internet Explorer and Firefox. My work computer is a MacBook Pro with Safari, Firefox and Flock. My netbook is running Linux, Ubuntu Netbook Remix, with Firefox and Flock. Last but not least my development box at home is running Ubuntu Linux desktop with Firefox, Flock and has a windows Virtual Box VM with Internet Explorer, Chrome and Firefox. You see that manually syncing my bookmarks is just not possible. There aren’t enough hours in the day. That is where Xmarks comes in. I install it and pow, all my bookmarks are synchronized!

I just started a new job. They handed me a new computer. I installed Xmarks and in under 30 seconds I had all my bookmarks in Safari on my Mac OS X machine. I added a few bookmarks and when I got home my Firefox browser took 2 seconds to syncronize just the changes and there were my bookmarks from work. I didn’t have to email myself a link to manually add at home, it just magically apeared.

Your computer hard drive die? Don’t sweat it! The combination of Dropbox, a prior It Just Works article, and Xmarks is all you need to backup most of your irreplaceable data! You get a new hard drive or computer, install Dropbox and Xmarks and all your Dropbox documents and browser bookmarks are restored for you!

It Just Works, try Xmarks today and you will wonder how you lived without it!

Blogged with the Flock Browser

Find Your Path, Stay The Course

My three year journey to change my career and improve my life.

It was almost three years ago to the day that I realized my then current employer was changing course. I analysed this course and determined that my role in the organization would be drastically reduced or eliminated in three to five years.

I wasn’t happy with my career. I had oppressive management that thrived on choking the life out of creativity and ambition. One year ago the director of that organization in an all staff meeting came out and said, “Stop asking for promotions or lateral movement. We are all lucky to have a job.”

Today I write this article, on a ride in my new company’s unlabeled, leather seated, wifi enabled shuttle that carts me from Oakland to Santa Clara County, CA. I no longer have to do grunt IT work and I have input, respect and admiration I never dreamed possible three years ago. This is the story of my decision, my journey, and my new found happiness.

The Gift

It all started when one of my best friends sent me a simple, yet powerful, venn diagram by Bud Caddell titled “How To Be Happy In Business“. This simple act was the greatest gift I have received that isn’t physically blood related to me. I printed this out an hung it next to my monitor, where it resided for three long years. The instant I understood the diagram I realised that the last decade of my life I spent most of my waking hours working on a career that was making me miserable.

I saw where I was and what I needed to do to get to where I wanted to be. I needed a plan, but this was my guide. Simple, elegant, powerful, motivating, quietly nagging me out of the corner of my eye. Pulling me, pushing me, kicking me to do the things I needed to do so I could put myself in a position to take advantage of opportunity and luck when it found me. I was ready when it did!

The Awakening

I laid out a course of immediate action. I needed to study myself, know myself so I can answer these three questions for my guide, the diagram.

  • What do I do well?
  • What do I want to do?
  • What can I get paid to do?

After months of introspection I came to some solid answers to these questions. Now I had to analyse my then current job in light of these answers to find where on the guide I was living. The answer was obvious. I had lived the last decade of my life in, “Learn To Say No”. I was currently living in, “Learn To Say No”.

I had never said, “No”.

The first time I laid eyes on this diagram I knew deep down this was the case. Now I had data to prove it to myself. The difference after this introspection and analysis is that for the first time in years I saw that I also had options.

Options Empower

There are four areas where the circles in my guide, the diagram, overlap. The goal is “Hooray”. I had already come to realize I lived in “Learn to say NO”. Only two more areas were left for me to bring in to focus. “Learn to monetize” and “Learn to do better”. Since I now had an exhaustive list of what I wanted to do and what I what I could get paid to do I chose to focus on “Learn to do this better”.

I researched certificates that would prove my knowledge to employers. I learned to use my old employer’s broken, bureaucratic training budget system to get as much paid for as I could. When that system, too, failed I trusted in myself. I had found my path, I stayed the course and put $2,500 I didn’t have on a credit card near max to get a proven industry certificate. I targeted certificates that headhunters I called, HR specialists I knew, people who held jobs I could envision happiness in all told me paid very well. I didn’t even realize I was doing the fourth step. I was “Learning to monetize.”

I chose the option to go after these certifications. With each one I passed my bruised and battered self esteem healed a bit more. This is a three year journey, remember?

Learn To Say No

This one was really hard. We have to say “No” because we all have limited energy. I was in a job that was sapping my energy to the point I couldn’t have enough in my banks to act on these new options I had identified. I had to “Learn to say NO”.

I put a copy of my job description on my desk. If it wasn’t in my job description, then I didn’t do it. My old employer made it clear, “We have no reason to hire from within when the pool for candidates outside of here is so large.” This is another quote from yet another awe-depleting, soul sucking, demotivating all staff meeting.

Management made it clear there was going to be no reward financially (they eliminated our yearly bonus and re-classed people downward making them do the same job tasks), no promotion, no new projects to learn and expand my skill set. It was time to stop waisting energy.

I took this energy and put it in to the new options that my guide had lead me to. I found the energy to take classes, pass tests for certifications, rework my resume, apply for jobs, and go on interviews by “saying no” to more work that I wasn’t compensated for, I wasn’t rewarded for, and that I wasn’t recognized for.

I also had to say no to jobs I could do, that I could get paid well to do, but were not in the list of “things I wanted to do”. Had I accepted a job offer for basically the same job in a different skin I would be no better off. I at least knew the spots of this cat. Passing on new jobs was very difficult. As we will see, it was the correct course of action.

Learn To Monetize

Over the first year and a half of my journey I performed over thirty informational interviews with people that were getting paid to do things I learned that I wanted to do. Some were pretty official and some were a long conversation over a beer at a local pub. They all helped me bring in to focus how to monetize what I wanted to do.

Learn To Do This Better

I didn’t just rely on classes and certifications to get better at “what I wanted to do” and “what I could get paid” to do. I needed soft skills that I didn’t have. I started learning from people that had these skills. I sought out several mentors. I put these skills to use in my oppressive job, even though it didn’t make a difference at that job, I was still learning for my new undiscovered job.

This was summarized by the same friend that sent me the venn diagram that I use as my guide. “This is the job you used to have. Put it in the rear view and move on mentally before you move on physically.” I could control my mental state, even if I couldn’t make a new job appear and hire me. This shit in perspective freed up countless energy for me to move forward. Today that job is so far in the rear view that it may now just be bird droppings on my side window.

I had to learn to write a better resume. I was lucky enough to have a close friend of the family who does this professionally for HR and Job Placement skills that she keeps honed. Without that I would have hired a professional resume writer. Just do it, a good resume may not get you the job but a bad one will lose it for you. A great one will make you and what you can bring to a company completely transparent.

Hooray!

This state didn’t come overnight. But I just kept putting one foot in front of the other, doing my tasks to improve, apply for jobs, update resume, repeat. I’m an introvert, I made myself go out and network. I kept at it until something broke my way. When it did my three years of preparation paid off. I took control where I could using my guide, good old “How To Find Happiness In Business” diagram and kept at it.

Persistence = Perseverance

If you are happy where you work. Great! Thanks for reading this far! If you are not then look inside yourself, ask the questions simple questions:

  • What do I do well?
  • What do I want to do?
  • What can I get paid to do?

Know the answers to these three questions and then bring them in to focus using the “How To Find Happiness In Business” venn diagram. The start of YOUR path will then be clear. Remember life is a journey and your job is just part of life. Don’t focus on the end. I tell you, it ends poorly for us all. We die.

Focus on the path, the movement on the path, the scenery along the path, the sights, the smells, and you will find happiness in business and in life along the way!

Blogged with the Flock Browser

Jack Picks Ain’t It Cool & Machete!

Harry over at Aint’t it Cool News has broke a VERY timely movie trailer:

MACHETE

This is going to be a huge hit. With what is going on in Arizona this couldn’t be better timing if Robert Rodriguez passed that asshat of a law himself!  I hope this keeps the steam and reaches audiences on the big screen.

Arizona Asshats you get what you deserve!

Jack Picks Water

Never bet against water.  EVER!

:

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Go Browns!

The Cleveland Browns have hit the Holmgren era hard and fast. 1st dump two unproductive QBs, 2nd get a proven veteran with only one bad year on his resume, 3rd draft the QB of the future (some experts say the 2nd best QB in the draft) with the 85th pick!

Draft Analysis:

  • Round 1, Pick 7 (7) Joe Haden CB 5′11″ 193lbs Florida
    • The Browns get a great ball hawk here to pair up with Write on the other side. 5′11′ hand size is over 9 1/2”  that is like a baseball glove!
  • Round 2, Pick 6 (38) T.J. Ward FS 5′10″ 211lbs Oregon
    • The heaviest hitting Free Safety in the draft.  He should start by the end of the year and reminds me of Eric Turner, another great pick.  So far I don’t see much Holmgren in here, Manginous would have draft D anyway.  The next 3 picks, however, have Holmgren all over them.
  • Round 2, Pick 27 (59) (From Cowboys through Eagles) Montario Hardesty RB 6′0″ 225lbs Tennessee
    • A big time back from a big time school.  225 lbs, 4.49 40 yrd dash, 60 yrd shuttle is 11.47 seconds! and a 41 inch vertical…12 inches in a feet folks, this guy is a baller and will contribute this year and should challenge to start next year.
  • Round 3, Pick 21 (85) (From Patriots through Raiders) Colt McCoy QB 6′1″ 216lbs Texas
    • Are you kidding me?  some say the 2nd best QB in the draft, playing in the sister Football Mecca of TX, all he did was set records for wins.  In the 3rd round?  This is god smiling on Cleveland folks.
  • Round 3, Pick 28 (92) (From Jets) Shawn Lauvao OT 6′2″ 315 Arizona State
    • Shawn put up 225lbs 33 times, 20 yrd shuttle of 4.51 seconds?!  that is fantastic movement from a 315lb man.  Shawn Lauvao will be opening some big holes, but with that shuttle time, the Browns cold make him a guard and omg…315lb pulling guard! That is insane.
  • Round 5, Pick 29 (160) (From Jets) Larry Asante SS 6′0″ 212lbs Nebraska
    • more defense, and good special teams prospect.
  • Round 6, Pick 8 (177) Carlton Mitchell WR 6′3″ 215lbs South Florida
    • Hand Size = 10 5/8 inches, is that even legal?  40yrd dash 4.49 secs, bench 225 16 times with a 33 1/2 inch arm length? and broad jump of 122 inches?  again…12 inches in a foot folks…3 feet in a yard….This is the guy that will go over the middle, draw down the safety over top in a cover two and let Massaquoi get one on one coverage for delhomme to bomb it to, or…Carlton Mitchell will just eat up line backers and CBs all day long…think Brian Brennen meets Michael Irving…ya…that good.
  • Round 6, Pick 17 (186) (From Panthers) Clifton Geathers DE 6′7″ 299lbs South Carolina
    • at 6′7” 299 and hand size of 11 1/8 inches at the 187th pick?  Ya…he needs polish, but he will be great for working the starting line and if he learns fast could impact the D this year.

I give the Browns an A+ for this draft.  They get an extra level and the plus for the value they got in the middle and late rounds.  McCoy and Mitchell are going to be starting on Sunday in the not too distant future.

Go Brownies!

This video is just sick! Who needs Adobe Illustrator if you have Microsoft Excel! The time lapse could be a bit faster, but with the old Nintendo style music it still works. I’m still watching in disbelief.

This ranks up there with the etchasketch artists, imo.

Jack Picks Red Dead Redemption

When I asked my friend Jason for a multiplayer game that we can blow some steam off with after the kids go down, little did I imagine he would show me Red Dead Redemption.

The free roam idea looks fantastic. The ability to form a posse and take down other gangs has me drooling. I love the concept of law evasion. I would like to see the ability to be a “Wyatt Earp” good guy, basically a not so good guy with a badge. Rockstar Games seems to be smart enough that I’m sure this will be available as some point, if not at launch.

Overall I can’t wait to Posse UP and take Black Jack out on a train job!

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