How to explain in 1 page why someone who buys an investment property can make a 20x return on equity in 30 years, and the average home owner loses money over the same period. Mortgage interest First 2 Years Next 28 Years Average 50% Variable 1.49% Estimates only 50% Fixed 1.89% 4.25% 4.09% 80% Variable […]
With every passing month, as new skeletal sites are tested, the story of our origins evolves. In the current view of human evolution, Homo Erectus first evolved 2 million years ago. Then, 600,000 years ago, it gave rise to a Homo Heidelbergensis who left Africa 200,000 years later. One group ventured into the Middle East […]
Introduction Before exploring the mechanics of developing control in the male orgasm, in which Tantra plays a part, it makes sense to look at Tantra directly. Most religious purveyors of enlightenment extol the virtues of a monk’s life. This involves a long, painful, and, for the most part, miserable processes of rejecting every activity that […]
It has been well observed in primate communities that alpha male and female members form alliances to fend off larger, stronger, and younger competition. While this may excite zoologists, as it indicates levels of sophistication and communication in the primate society, it does not necessarily bode well for that community. While studying deficiencies in leadership […]
Buying my home is a complete financial folly, and against all my financial principles. I can only justify it because I can afford this folly, thanks to the high yields I have on investment properties overseas, and because I have no mortgage. But I watch so many of my younger friends diving into home […]
Recently I met an intelligent young 19 year old and asked him what he planned to do with his life. He said he wanted to join the British Army. His name was Chris. This surprised me, as he was keen on wildlife. He said he wished to protect his homeland, more specifically Somerset where he, […]
Economists have rightly forewarned of the dangers of setting a minimum wage in the US. With the minimum wage in Mexico at 53 cents an hour, and China at US$1.30 per hour, moving the current pay up from US$11.30 to US$15 per hour in the US will ensure that corporations will move every conceivable job […]
Allegiance is the prime driver in all human decision making. While a computer may use data, even scientists decisions are primarily driven by allegiance. Understanding allegiance is critical to understanding how to work or even live in a group or get traction with a new idea. When someone is speaking or writing, a significant amount […]
As income and asset inequality in the US exceeds levels in feudal Europe nearly one thousand years ago, a few question this progeny of capitalism and democracy. The current problems are well documented and do not need to be repeated here. Yet this time, in a world first, revolution has been avoided by some innovative […]
-A foreign investor’s perspective on Iceland- Three letters to the Prime Minister Letter One Credit is due not just literally Outsiders are often blind to the complexity of a nation’s problems, but sometimes, a fresh set of eyes, however myopic, can see the wood from the trees. As an Englishman living in the third […]
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