Housing crisis

As everyone in BC knows, there's a lack of housing in the lower mainland.. The cause of it, and the solution to it, are crystal clear to me, and yet it's left everyone, including the government, scratching their heads.

The cause: People want to live in the lower mainland. People from all over the place. Canadians know it's the nicest weather in Canada. People from other countries know it's beautiful, a good investment, and foreigner friendly. Refugees know it's a place that will take them. We invite people here. Through hosting things like to olympics, to our great tourism, people from around the globe know all about our great land, and want a piece of it.

Now what happens when people from all over the globe move to a desired area? The population increases in that area! What if lots of people move somewhere, but very few new dwellings are created? Holy shit, I just solved the cause of the problem! More people, but not more housing, equals not enough housing!

That was pretty easy to figure out, but people still seemed confused. We know the problem now, and the cause, but the thing most people are struggling with is the solution. I am so sick of the fucking politicians trying to get in the publics good books, by coming up with bullshit solutions, that they know will not work, and are just cash grabs. They implement foreign buyers tax, and speculation tax, vacancy tax, air B&B tax etc, as if taxing something will make it cheaper. Wake up people! It's a tax grab. Property taxes go through the roof, who gets the extra money? Government. Property transfer tax goes through the roof, who gets the money? Government. Now to curb pricing, they want foreign tax, speculation tax and all the other taxes, who gets the money? Yup, same government. The government is raking in literally billions of dollars on property, that they weren't three years ago, and they've done it by saying it's to help create "affordable housing". Now the general public thinks the government are heroes, because they are collecting billions extra from the public? When's that last time the government raised taxes, and people were happy? And how's that afforable housing coming?

Not sure if anyone is familiar with the concept of supply and demand. The government seems oblivious to it. There has been tens of thousand of people moving to the lower mainland, and yet minimal new housing. This has created a shortage, as discussed above. Just like anything else, when there is a shortage, prices go up. Things like diamonds are closely regulated on how many can be released to the public at a time. If they release too many, prices of diamonds drop. It's not that diamonds are worth what they fetch, it's just that there is limited quantity, which drives up the price, in the same way that a condo is worth million dollars in Vancouver. It doesn't cost a million to build it, but there are more buyers than there are sellers, so it will go to the person that is willing to pay the most. The same goes for rental units. The people that can't afford $3000 a month for a 2 bedroom condo, are pushed aside for people that can. It's not the landlords fault, or the people selling the houses. It's supply and demand.

Now, despite what the government will tell you, taxing property will not solve this problem. How can it? There are two solutions. One: less people, IE reduce demand. Not the easiest option when people want to live in BC. That leaves the only viable option, two: make more housing, IE more supply. Stop standing in the developers way. Stop making them jump through all the bullshit hoops and red tape, with the zoning applications, and bylaws, and green space set backs, and permits. I'm not saying let it be a free for all, but I personally know two developers, that walked away from multi-unit residential builds. After years of countless dollars on legal fees and applications, and bullshit, just to have it not be approved for a nonsense reason. I know of one developer that took the city to court, and successfully sued the city for $800,000 for intensionally delaying his applications to build an apartment building. How do you make more housing, when you reject and deny new housing? Don't get me wrong, I like green space, and hate over populated places, but lower mainlanders seem to be fine with it. I'd rather see less people but that's not going to happen, so you're going to need more housing, not more taxes.

Also, for all the people whining about affordable housing, you know you don't need to live in the lower mainland right? Don't go into a Ferrari dealership and cry that the cars cost too much. Yes, we'd all like a $300,000 car, doesn't mean we get one.

You're plan A sucks.

People fear that which they do not understand. People also fear change. I'm not sure why, but it causes people to become complacent and sedated. It also causes people to be paranoid, stubborn, racist, sexist, and narrow minded. People feel safe knowing everything will remain the same. They take comfort in the fact that there will be minimal variables, so that they can predict the outcome. The thing is, the more you learn about things, the easier it is to understand why they are the way they are, and how they work. As the mystery is peeled away, things don't seem so scary after all. The added benefit of learning about something you don't understand, is that it will truly help you predict the outcome, or how that thing will effect you, and allow you to adjust your strategy accordingly, instead of becoming a victim of it.

I recently began investing in real estate for passive income. I knew very little about it, aside from the basics. A good friend of mine had already began investing heavily, and his strategies seemed very high risk and scary to me. Every time I talked to him, I understood a little more, and the fear slowly became confidence. Not wanting to take all my advice from one source, I read books, listened to podcasts, joined forums and meet up groups. I heard from people that had succeeded and people that had failed. Again, my knowledge of the topic grew rapidly. With something as complex as investing in real estate, there are infinite variables and infinite avenues to approach it. I learnt about flips, BRRRs, small multi family, large multi family, financing, hard money lenders. I learnt what the difference between forced appreciation and natural appreciation was. I learnt about wholesalers, notes and leverage. I learnt what ROI, REI, REIT, cap rates, and cap exp all mean and why they are important. Every time I talked to my friend, the things he said seemed less scary. It started making sense. Perfect sense. I'd talk to family and friends that aren't involved in real estate investing, and all of them approached it with the fear I once did, because they didn't understand. It wasn't a light bulb that just turned on in my head, and then I understood. I was hours upon hours of reading, and listening to people that did understand. If you completely disassembled a cars engine and laid it out on a work bench, and asked someone to put it together, you'd get two responses. People would be stressed and in fear because that had no idea what they were looking at, or how to do it, and then you'd have people that would put it together, because they understand it. If you spent a week to teach the person that didn't understand engines, what the parts where, and what they did, they wouldn't be scared any more, because they would understand it.

The funny thing I have found with people that know very little about real estate, is they still offer their opinion, and yet would not offer their opinion on assembling and engine if they didn't understand it. Many people have explained to me how I'm going to fail at real estate, none of whom know much, if anything about real estate, except maybe a deal they botched in their past because they didn't do their due diligence, or understand what they were doing. People that know more than me about real estate, say I'm doing well, and should proceed as I've planned, and I will succeed. I might stumble and make mistakes, but it will just be part of learning as I sharpen my skills. People that know less than me about real estate, say I'm being risky, and I could lose everything. But what's really to lose?

Most people have the same plan for their lives. Go to school, find a decent career, work your way up the ladder at your job, get raises, buy a bigger house and a newer car, then after working for 40 years of your life, hopefully you've saved enough to live out your remaining years. That's it? Your plan is to bust your ass your entire life so the company you work for can get rich? That sounds like it should be plan B, and even then, that's a shitty plan B. That is also VERY high risk. You become specialized at your one job. Yes you improve your skills, but what if your skills are no longer required? You spend 20 years repairing crashed cars, only to no longer be needed because cars become automated, and no longer crash? Now what? Back to the bottom of a different ladder? Or what about the very real possibility of no longer being able to work? Maybe an accident, or illness prevent you from working at your current job, or maybe you won't be able to work at all? What then? What if at 40 years old, you lose your vision due to diabetes, or lose a hand in an accident. You aren't prepared for that are you? That doesn't fit into your plan to work until you're 65. But even if that doesn't happen, do you really want to grind your body down to nothing for 40+ years for someone else? I breathe paint fumes, and dust, and kneel on concrete, and wear myself sore sanding cars. What's left when I'm 65? Or maybe you work a high stress job, just to run into nothing but stress related health problems at 65. That's your plan A? That's not just high risk, it's fucking ridiculous.

Then there's banking on your planned retirement income. Maybe you have a pension plan at work. You work 30 years for a company, and then they will take care of you when you retire right? I just heard today that Sears, a major company that has been around for decades, is going bankrupt, and will no longer be paying out their pensions. How many people were banking on that money? How many people at 65 years old, were expecting to be set for the rest of their life because they gave 30 years of their life to a company, only to have the company fold, or be bought by another company that won't honour the pension plan? I guess that's "bad luck", but it's not, it's just something that happens. Or maybe you are relying on a government pension? Not sure if you are aware, but governments tend to over extend themselves, and then lie about it. Sooner or later, someone is going to call in their debt, or at least cut off their spending. It's not sustainable. In 2015, the Canadian government paid out over $40 billion dollars for the Canadian Pension Plan. As baby boomers retire in masses, are you still banking on the government being able to pay out? Or maybe you've got your money in some safe stock investments. In 2007, the companies that controlled these "safe" stocks decided to try to line their pockets. They took everyones money, without them knowing, out of the safe stocks and invested in hedge funds. The idea was they would take everyones money and pay them 3%, and invest it at 10% and take the 7% for themselves. You know how that ended. Everyone lost everything. People had to go back to work at 70 years old because their life saving had been wiped out, no fault of their own. You still banking on your money being where it should be in 20 years? I trust me with my money. I know me. I'm not out to screw myself over, or try to make a dollar off my back. I will control ever aspect of my investments. I'll choose, who, what, when, where and why. Trusting someone else to come through for you with money is high risk.

I plan to acquire assets. I've already begun. I have cash flow coming in every month from various real estate investments. When I go on holidays, they keep paying. When I break my leg and can't work for 6 month, they keep paying. When I get cancer and can work for 3 years while I battle for my life, they keep paying. When I'm sick of getting up every morning to go breathe dust and fumes, and work my fingers, knees and back until my joints are swollen, and I'm sore, so someone else can make money off my back, they keep paying. That's called being prepared. That's having a real plan A. And if I fail at real estate? I guess I'll have to go back to doing the same shit everyone else does. Work like a slave until I can't anymore. I'm really no further behind am I? But the thing is, I won't fail. The only people that fail are the ones that give up, and don't let their mistakes become lessons. I might lose large sums of money. People spend large sums of money on education all the time, and that's considered a smart investment. If I lose large sums of money, that's my tuition, I've learnt, and I'll do better moving forward.

The only thing that really grinds my gears, is that the Chicken Littles that believe what I'm doing is high risk, will never understand that they are wrong. When I succeed, all they will say is "You got lucky, you could have lost everything." Everything that happens in the world happens for a reason. Luck isn't a real variable. People that don't understand how something works try to comprehend things by applying a supernatural force like luck, or a miracle, or an act of god, but if you understand how things work, you realize that there is an explanation for all things that happen. If you educate yourself, you can predict outcomes, alter outcomes, or at least be able to prepare outcomes. Just like any craft or trade, people that educate themselves, do their due diligence, and commit to something usually succeed. I has nothing to do with luck. Investing is no different. Whether I succeed or fail will be determined by skill, research, education and commitment.

Ambition>Intelligence

So I think all people will fit into four categories. 1: Stupid and unambitious. We aren't going to talk about them, because there's not much they can, or will do. 2: Smart and unambitious people. 3: Stupid but ambitious people. 4: Smart ambitious people. We aren't going to talk much about them either. We know who they are. I think the bulk of the population falls into category 2 and 3.
Let's talk first about group 2. I'll put myself in that category. I've never been an over achiever, content to do what I need to get by. Never doing my homework, or showing up to class, but still got Bs. I have a niece that fits in this category as well. She is very smart, and has now tested as "gifted". The problem is nothing seems to motivate her to apply herself. Why give 100% when you can give 50% and keep up with everyone else?
Now lets talk about category 3 people. I'll give you the pinnacle example of this group. Donald Trump. He's not smart. He makes decisions without a thought, or consulting an expert, or doing a moment of research. And yet he is massively successful. Yes he's failed, and lost his wealth many times, which proves my point because he always got his wealth back. How did he become president? Smarts or ambition? Have you ever worked for someone that you knew you were smarter than? Did you know you could run the company better than they could? Why were YOU working for THEM? If you could run the company better, why weren't you running the company? The food chain will always start with category 1 at the bottom, followed by category 2,3 and 4 at the top. Why are the smart category 3s working for the stupid category 2s? Ambition. Maybe the stupid people are to dumb to calculate risk, so they just do it. Just start a company, or apparently run for president. I know many people that are far more successful in life than I am, and it's not because they're smarter, it's because they tried. I know a real estate agent that isn't the brightest. She owns 10 rental houses. Her numbers aren't great on them. She could be making better margins if she bought in better areas, or knew her rental markets better. The fact is, each house still makes money. Maybe they only make 7% instead of 10%, but it doesn't matter, she has 10. 10 at 7% is infinitely better than none at 10%. She just did it, and it works. She has 4 kids, a full time job, and manages 10 rental houses. She's getting it done. Are you?
A lot of people mock self help books and seminars. I know I did. I wondered who would give money to people that want to tell you how great you are and pat you on the back. The thing is, these seminars are made for the category 2 people. Maybe you just need the confidence to be ambitious. Maybe you need to see that there is no reason a category 2 should be working for a category 3. If a stupid person can make it work, why can't you? I don't know why a smart person can see a successful company or person and think that's out of their reach. Most companies and people started at zero. All you need is ambition. If that's all you have, you might fail, or you might get by, but if you're smart, you will succeed, and if you fail, try again. Many hugely successful people fail, but they believe, and they prove themselves right. Steve Jobs go fired from Apple, only to later become the CEO.
So what's stopping you? If you tell yourself all the excuses why you can't, you'll always be right. Stop saying could have, should have, would have and be the person that did. Think of all the people you know that have pulled the trigger on something big. Most of them, even the idiots, succeed. The real idiot is the smart person, working for an idiot.

Do the Donald

     Not sure if anyone heard, but Donal Trump got elected to run the US of A. I, like most people was surprised by his win, but in recent weeks, I found myself transitioning from a firm Democrat supported to being an "undecided voter". I know that undecided voters are among the dumbest people out there, so to put myself in that boat is troubling, but hear me out, and at least you'll be able to understand why Trump won, or at least why the Democrats lost.
     Reason one: Polls. Seriously, is no one picking up on how, inaccurate, flawed, and harmful these things are? I think they should be made illegal. If you were told that the person you wanted to vote for was almost certainly going to win, would you bother voting? Who cares? Millions of people vote, your candidate is way in the lead, your vote won't matter. Now if your candidate is behind in the polls, do you think you might be more willing to vote to try to save your candidate from losing? Trump was behind, and people came out in droves to help him. The polls effect voter turn out, that's why they are so often wrong and why so many "sure things" are going the other way.
     Reason two: Millennials. Too dumb and lazy to vote. They probably made dozens of tweets, and Facebook comments about it being election day, but didn't both voting because they are like so busy and stuff. They are the ones yelling the loudest now though. There's no do over in the real world you retards. You'll find that instead of making all your comments on social media, actually doing physical shit, accomplishes something.
     Reason three: No one wanted Hilary. The bullshit Democrat was of electing their representative is horribly corrupt. Hilary has been in the white house for many years, both with her hubby and the Obama administration. She has made many connections in the political world because of it. When it came time to elect a leader, Hilary had the money and power to push the competition aside. Instead of the people choosing a leader, you had a select few people veto the many. They propped up Hilary, who no one wanted. With 300 million people to choose from, Hilary was the best choice? "Oh, but she was the most qualified". Don't care. It's not about qualification, it's about representing the people. People view her as a rich, entitled, bitch, that knows nothing about what the working class want or need. Is that true? Doesn't matter, it's what people think. Bernie Sanders would have beat Trump. Now maybe the Democrats will rethink their electoral process.
     Reason 4: Donald Trump does what everyone is thinking. It's funny, the world has become so politically correct, that people aren't allowed to have an opinion, and yet Donald has one, and people are ok with it. Can you imagine a video surfacing showing Barack Obama saying he can grab women by the pussy? Or Hilary talking shit about Mexicans? They don't because it's not PC. People don't think in PC. At some point, every man in the world has made a derogatory comment about women. Doesn't mean every man is sexist. At first I was blown away at what Trump had said on the bus, but then I realized, if every minute of everyones life was filmed, you'd see all sorts of shit coming from people you wouldn't expect it from. I'm positive, at some point in Barack Obama's life, he has been with a friend, walked past a hot chick, and said to his friend "That is one fine piece off ass, I'd would like to...blah blah blah...to her". Does it make him a bad president? Does it make him sexist? It's how we all think, but we aren't allowed to say it. It's like we aren't allowed to admit we are humans anymore. The Democrats thought that Donald's racist, sexist, anti islamic rants would end him for sure. But they didn't. Maybe it's time to recognize that we don't think in PC. Mexican cartel are entering the States, and bringing guns, and drugs, and hurting Americans. Mexicans also enter the states illegally, and work under the table for cash, taking jobs from Americans, and not paying their share of taxes to enjoy the privileges that Americans enjoy. That's not racist, it's real. Here in BC, Chinese people have caused serious problems in the economy. They buy up real estate, and let it sit vacant, causing inflated housing costs. There's a lack of people shopping in local stores. They don't pay income tax in the area. They also take over entire cities. In certain places, there are no store signs in English, only Chinese. No politician will ever take a direct stand on solving these problems because it's not PC. We celebrate diversity! Fuck that. I want signs in English. I want to be able to afford to live in my own country. I have no problem with any individual Chinese person, but I do not like the problems they have caused where I live. (Used to live, suck it mainlanders) I'm a racist! Or am I just seeing the same problem everyone else is, but no one is allowed to acknowledge the elephant in the room. According to our PC world, Donald Trump is a racist, and so am I, and so is the bulk of the US of A. What's your point? They have millions of jobs being lost to China and Mexico. That's a problem. People want to go back to making their own shit, in country, to create jobs, and help the economy. That's a very valid desire. I mean you need to be a racist if you want that though? Hilary wanted a "global market" with lots of free trade, and out sourcing. Is that best for the economy? I don't have that answer. Who wins when jobs are out sourced? We get stuff cheaper, but lose jobs. It is a global market now. You don't have to work harder, better and faster than Johnny next door anymore, you have to work harder, better and faster than everyone in the world. I can see why people don't want to compete with people that are willing work for $5 a day. People want to go back to a local economy. Can it be done? I don't know. North America is rich, much of the rest of the world is poor. North American wealth is going to those poorer countries, as we out source more and more. Americans want to keep their money at home. Trump says he can do it. Is that racist? Is that greedy? Yes. What's your point? Americans enjoy their first world lives. Donald Trump doesn't dislike Mexicans or Chinese people, he dislikes the problems they present to the US of A. He's got the balls to say it, and people agree.

At the end of the day. He won. So shut up. Stop protesting. Stop screaming bloody murder. No one wants to admit they voted for him, but a whole lot of people did, because people don't think in PC! It wasn't PC to vote for him, but behind a closed curtain, Americans voted for what they believed, not what was PC. We now owe it to Trump, and everyone that voted for him, to let him try. All he has are ideas right now. Some of them seem like really bad idea, and some of them seem like they might be really good ideas, if they are executed perfectly. I've decided to hold my judgement until they fail, or succeed. That's all we can do, because boohooing isn't going to help anything right now. My only real concern is the hit the environment is going to take.

I didn't think there was a hope in hell Trump would become the Leader of the Republicans. He did. I didn't think he had any chance of becoming president. He did. I don't think he will be able to succeed in steering America in the right direction. Maybe he'll go 3 for 3.

Thank you to all the service men and women in this country for your sacrifices both past and present.

Playing dumb in the name of political correctness.

I am a firm believer that political correctness has forced society to do away with common sense. I am a believer in science, numbers, physics, facts, statistics and well, reality. To me, proof is proof. If you can prove something to be true, then it is fact. The problem is, the facts aren't always politically correct, so we have to abandon those facts, or risk being considered an immoral, or bad person.
I know I've touched on racism in one of my previous blogs titled "Hug a Racist", but recent events in the world are bringing on the urge to restate my position, and point out the obvious, which people seem to either be blind to, or are unwilling to accept.
Police profile people. It's their job. It's what they are trained to do, and it enables them to be effective, and efficient at their job. But recent events have not only called those practices into question, but are causing people to ask for a ban on them all together.
Now, before we go any further, I'd like to test your common sense, or your sense of reason. Now, let me give you a statistic. People are three times more likely to die driving a Chevrolet Camero than they are a Chevrolet Malibu. Now, you might assume that the Camero, is a less safe car. It must not hold up as well in a crash, but that's not the case at all. This statistic is a product of it's conditions. The Camero has more power, and is owned by a much younger demographic. So what you have is a very fast and powerful car, driven by inexperienced drivers, therefore it's more likely to be involved in a crash, and a high speed one at that. Now do you condemn the Camero for being the cause of more deaths than other cars, or do you realize that the safety of the car isn't to blame, as the statistic is just a product of a different demographic of drivers.
Now how about a scenario, there is a car, that has just had it's window broken, and some change stolen from it. There are only three people in the neighbourhood that could have done it. One is a 40 year old man, that is wearing a clean business suit, was walking by the car on his way home from his office job. The second suspect is an 78 year old women, who just came out of the nearby grocery store. The last suspect is a 30 year old man, that looks to be wearing the same clothes for the last week, and appears to be high or drunk. Who is the most likely suspect? Your job right now, is to profile. Common sense. Granny didn't smash out a car window, and most people don't smash windows for change on the way home from their 9-5. Unfortunately, political correctness is suggesting that all three suspects be treated equally, even though, we know who did it. We are forced to throw all previous experience out the window, as well as common sense, and statistics. Who wins in that scenario? Who wins by wasting an hour questioning granny about a crime she didn't commit?
Now, I'm sure you know where I'm going with this, and maybe you don't like it, but please read on, and hopefully I can lead you to the big picture. For years police have been told, by governments, to crack down on crime, in high crime ares, where drug trafficking, firearm possession, murders, rapes, thefts etc are the heaviest. Makes sense to me. These are the rough neighbourhoods, the "ghettos". So the police targeted these areas, which in the states, are predominately populated by black people. Now black people in the states only make up about 12% of the population, and yet make up 35% of people that are incarcerated. Now that stat offends people. They claim it's due to profiling, and that more black people are arrested than white people due to racism. In reality, the highest crime areas, are more densely populated by black people. So when a cop goes out on duty for the day, he can go to a middle class, suburban neighbourhood, which will probably be predominately white, where reported crime is very low, or he can head to the part of the city that has far more reports of gang crimes, murders, drug trafficking and the likes. Now if the crime riddled neighbourhood is predominantly black, does that mean he is profiling, and/or a racist? Or is he just using common sense?
I have a friend that lives in northern Alberta. In his area, there are many Indian reserves. I've talked to him many times about this, and he explained to me the experiences he has had dealing with natives. He says they fit the stereo type. They are quite often drunk, or high. They are dirty and usually poor.  He crosses the street when he sees them, to avoid being hassled for change, or cigarettes. Now, I guess he is profiling them when he chooses to cross the street. Maybe he should wait to see if the person does hassle him before passing judgement, or maybe he should respond to his previous experiences and cross the street. What's the right thing to do?
I'm not going to say I know where to draw the line. I know questioning a 78 year old women about smashing the window out of a car seems like a waste of time, and assuming the crack head did it, will probably save a lot of time. But what if a middle class neighbourhood has been complaining of recent break ins, and as a police officer, I see a young black male, dressed in dark clothing walking around that neighbourhood at 1 am. Should I question him? Is that profiling? Will it help prevent more crime? Will it cause outrage in the black community that another black male has been profiled for no reason, other than he is black? What if statistically he is 5 times more likely to be the culprit than a white male? Is the cop a racist if he does stop a black male, but not a white male, or is he using statistics to help him solve a crime?
Now the flip side of the coin is how profiling isn't fair to innocent people. That's a given. Why should a black male be stopped, and searched, when he has done nothing wrong, when a white male is left alone? I'd call bullshit on that too, and after so many years of oppression, it must seem like things are never going to be fair for the people that are being profiled, but this doesn't change the fact that profiling is a very important tool. In Alberta, young men pay more for insurance that young women, regardless of their driving record. That's profiling. Good young male drivers are getting screwed, and bad young female drivers are getting it easy, but clearly you can understand why insurance companies do this? Statistics. Men crash more. So it's clear cut, legal, profiling, based on numbers. We have to deal with it. After writing this last example, I have to apologize for comparing car insurance prices with police brutality, racism, and years of oppression.
Now, on to the big picture. I don't have an answer for the problem. I think profiling is a tool that police have to use to be effective at their job, and I also think that many people have suffered unjustly at the hands of profiling. I don't have the answer for the problem, but I do know what the problem is, which seems to be something everyone is over looking.
Are natives under achieving, drunken, deadbeat criminals, or are people that were torn from their homes, stripped of their identities, murdered in the thousands, abused, introduced to alcohol, and left with nothing, under achieving, drunken, deadbeat criminals? If the roles were reversed, do you think white people would be in any better condition than the indians are in now? Natives are a product of their circumstances. Their circumstances are something white people caused. Just as black people are a product of being slaves, having no rights, being considered less than equals and treated like animals. When they final gained equality, they were in bad neighbourhoods, unable to find jobs, and resorted to crime. I don't care if you are black, white, yellow, or red, if you are born in the ghetto, and all you know is crime, and to be poor, that's how you will grow up and continue to live. Black people aren't criminals because they are black, they are criminals because of their circumstances. You round up all the white people, take away all their money, and drop them in bad neighbourhoods, and they will turn out just the same. Profiling natives or black people isn't the problem. Breaking they cycle is the problem. How do we help people, stop being a product of their circumstances?

Trump: The best thing to happen to politics in decades?

Love him or hate him, Donald Trump is having a massive impact on politics. You might agree with his ideas, and support his boldness, or maybe you're intelligent, and see a completely unqualified, uneducated, narrow minded, ignorant fucktard. Either way, he has forever changed who a politician can be, and that is of huge importance.
Previously, presidential candidates played the game a very different way than the Donald is playing. Candidates spent all their time and energy saying as little as they possibly could. Negative publicity was viewed as far worse, than good publicity is good. You were better off saying nothing, than saying something that might offend. Both the Democrats and the Republican did everything they could to stay in grey areas. No one wanted to be too left wing, or too right wing. Abortion, gay rights, gun control, freedom of speech, freedom of privacy etc, were all tip toed around. No politician was ever willing to give a black and white answer. If you were to say for example, that you were in total support of gay marriage, you might make all the gay people happy, but that doesn't mean they are going to vote for you, however, all the bible thumping, hill billies, that hate gays, will definitely not vote for you, so you've lost votes, but not necessarily gained any. It's better to stay neutral, and not offend anyone. Unfortunately, this means that it's impossible to know what any politicians views are, because they aren't willing to risk disclosing them. In the end, you have a Republican, and a Democrat, that seem to have almost identical opinions, so who do you vote for?
Then came the Donald. He is more than willing to speak his mind, no matter how outrageous. He has offended pretty much everyone, including women, and all minorities, which is a pretty large demographic. So knowing what we know about politics, he would have no chance at getting any votes, and yet he captures the Republican nomination to be the next president of the USA? In some ways, Trump is like Ralph Nader. Nader was willing to speak his mind, and was further left wing than the Democratic nominee. As a independent, Nader was able to draw a lot of votes away from the Democrats because he was willing to be more bold, take a stand. Maybe that was foreshadowing. Maybe people want something to vote for, instead of something to vote against. Donald Trump is showing us that offending people isn't the worst thing you can do as a politician, and that speaking your mind, no matter how against the grain your thoughts might be, can earn you respect, even if people don't agree with you. Trump has said that Mexicans are rapists, thieves and murderers, and that a member of the supreme court is not capable of doing his job, specifically because he is mexican, and yet Trumps approval rating amongst Hispanics is still at about 11%. Yes that low, but still, after saying that, 11% will still vote for him, and you know that 98% of racists will vote for Trump because of those statements. So maybe Trump has changed the way the game is played? Maybe there is more to gain, and less to lose, by making a statement. Maybe instead of staying neutral, politicians need to take a stand on their beliefs and let people be the judge.
HA! Just kidding. The only reason Trump is getting support is the fact that Republican voters are uneducated, narrow minded, ignorant fucktards. No intelligent person is capable of seeing Trump as anything but laughable. USA! USA!

Envy, the most useless emotion.

Why do we become jealous or envious, of other people, or their material items? Envy is a very strong emotion. People have different ways of expressing envy. Some might be happy to see other people do well, but for the most part, it creates hostility.

I recently bought a piece of property. It is a beautiful piece of property. The pictures look like they could be from a high end resort. It's a park like setting, complete with a pool, hot tub, beautifully built house, and a second guest house. I'm very proud and exited. I think it's going to be a spectacular place to live. I can't help but want to tell everyone I know, and show them pictures, and explain how awesome it is. I'm not sure why I feel compelled to tell everyone of my good fortune. It seems like a strange trait that we humans have. The thing is, I feel I shouldn't. I feel I need to be modest, or even humble. The problem is, what's the difference between telling people of your good fortune, and bragging?

I feel a lot of people spend their lives, trying to impress everyone around them. To me, that seems like a waste. Why someone else's envy is relevant in your decision making process is lost on me, but the big shiny SUV, with chrome 24" rims, Rolex watch, or Prada purse isn't for you. It's for everyone around you to see. People want everyone around them to be envious. If Prada, Oakley, or Mercedes Benz stopped labelling their products, their sales would plummet. Why? Because no one will spend $200 on a pair of sunglasses if they can't brag to their piers that they spend $200 on them.

And lets face it. Most of use don't like people that brag. Personally, I can't stand it. It shows how phony and superficial someone is. I think people that need to spend every dollar they earn trying to impress people are missing out on what is important in life. How does making someone envious make you happy? No one likes having money rubbed in their face. I can't respect anyone who's goal in life is to convince the general public that they are better then them.

That being said, I did not purchase the property I did, based on how much envy I could generate with it, and yet I run the risk of being the asshole that brags about it. 

I've learnt from various people growing up, that you should always pretend you don't have very much money. It seems like a strange concept, but I've done my best to embrace it. I came to the greatest understanding of this concept during the purchase of my new property. During the purchase process, I had to deal with many different people. I had home inspections, septic inspections, dealt with real estate agents, notaries, tenants, and insurance brokers. Some of the people had no issues with me, but I noticed some under toned resentment from others.

I'll use the insurance broker as an example. I originally only talked to her over the phone, and she was very helpfully and eager to assist me. She was familiar with the property, as it was already insured through her company. However, I eventually went into her office to sign some paper work. That's when she realized that I was much younger than she had expected. Even though she didn't know how much I paid for the property, she knew it was very nice, and likely, very expensive. At that point I assume she realized, that someone, clearly much younger than herself, had accumulated much more wealth than she had at her age. My dealings with her from that point on changed. She was short with me, slow to respond to emails, or faxes, and at times even rude. Maybe something else made her act that way, but I assume it was envy, or jealously.

I noticed different responses from people I dealt with during the purchase of the property. When a hard working individual would show up to do an inspection, they looked at me, and the property, and I guess maybe felt cheated, that they didn't have what I do, at my age. It kind of made me feel like a pompous ass. Like some entitled piece of shit punk kid. The thing is, that wasn't my intent when dealing with people. It was hard to be modest when the people were there, looking at the property. 

Showing signs of wealth also has another negative side effect. Don't expect people the give you any breaks on anything. When you can clearly afford expensive things, people will not hesitate to sell you the most expensive of what ever they have to offer, and not give you any sort of discount. The gentleman that did the septic inspection on the property had no problems explaining all the extra things he thought I should splurge on for the property. Things that cost thousands of dollars, that he wouldn't have recommended, had I been buying a cheaper piece of property.

Some people brag, in an attempt to make others envious, and others do it unintentionally. 

You'll never earn respect making people envious. A little humility goes a long way.