The View From The Golden Dome

Views on the week's events plus some of mine.

Les Berman Weekly #477 Disgusting Indulgence. Hey Mikey ! Big Turtles. and so much more….


After a disgustingly indulgent day, I remembered a commercial from back in the olden days. “I can’t believe I ate the whole thing !” I remembered the phrase but had no idea about the product. And I couldn’t remember when the ad campaign began. So, I did something totally out of character… I did research. Hurt my brain doing that !

 

There seems to be a question about when the ad originated. So we’ll agree that it originated in 1969 or 1970. Right around the same time as that other classic – “Mama Mia, thatsa spic..ymeatball !. And those were both Alka Seltzer ads.

Of course, there were other memorable ads from the olden days that still resonate today, and we can’t remember what the product was or when it came to our attention first. Here are a couple of other mindblowers.

 

How about “a diamond is forever“. That slogan has been around since before the days of the movie. That was actually coined in 1947. The ‘gimme a break, gimme a break’ came out in the 50’s but didn’t get traction until the ’80’s as the Kit Kat bar became wildly popular. Of course, we all had opinions of what was popular and what wasn’t.

 

wasn’t even aware of this slogan – “Nothing sucks like an Electrolux” that came out in the 1960’s. It may never have aired in Canada because at that time, the conservatives in Canada made the bible belt of today look tame. Or, perhaps I didn’t understand the nuance. Nah.. didn’t air in Canada !! By the way, electrolux was a vacuum cleaner.

 

Of course there was the “Hey Mikey… he likes it!” . I never remembered what it was promoting, but I do know that all of us have borrowed that phrase forever. And it really has been forever. That one rolled out in 1972. And just so you don’t have to look it up, that was the promo line for Life cereal. I didn’t have that cereal then or since. So Mikey, you tried hard but you didn’t get me!

 

How many times have we said, “I’ve fallen and I can’t get up!” Back in the late 80’s, when Life Alert came out with that slogan, it was supposed to be serious. Then as we matured (we mature, we don’t get old), it became a funny line. Now, that we have over matured, some of you are wondering what would happen if you were to fall and you couldn’t get up. The answer is simple… either stay in shape or get your hip replacement now !!

 

So many of these ad campaigns were clever, or intelligent, or humorous. And so many of them became parts of our daily speech, not as intended of course, but effective for the ad agencies that developed them. “This is your brain on drugs” and the frying egg, always made me want a fried egg. And of course, that started the comparisons to so many other things, such as the day you entered prison and the day you left. But it wasn’t fried eggs. Or “Where’s the beef”.

And one of the best, that’s used in everyday speech, is “what happens here, stays here”. Just insert the city that you want to protect you, and you know it will !

 

In the meantime, have you heard the story of the 10 foot turtle? This one is almost too hard to believe. In 1849, a fossilized bone is given to the Academy of Natural Sciences, now at Drexel University. There were no records of who donated it or where it was found. So 162 years later, a man was fossil hunting in Monmouth County, New Jersey and sees something sticking out of the river bank. He digs it out and sees that it is a fossilized bone.

 

He takes it to the New Jersey State Museum and shows it to a curator who immediately knew thatit was the humerus (that’s science speak for an upper arm bone) of a turtle. Curator humorously suggests that fossil hunter take it to Drexel University, and fossil hunter eventually does. At Drexel, they look at the ‘new’ bone and pull out their old bone. And amazingly, they fit together perfectly. So what are the odds that a 70 million year old fossil, broken in two parts that are found almost 200 years apart, would be reunited. So the scientists, from this one bone, decided that the turtle in question was about 10 feet long. That must have been one fine soup !!!

 

Remember, that when you need money for your financial home (either business or residential), call the guy with the shiny golden dome (that’s me). And the magic number is 818.305.4695.

Have a better week !

Les

Berman’s Factoids of the Week:

Questions that Haunt Me:

If the professor on Gilligan’s Island can make a radio out of a coconut, why can’t he fix a hole in a boat?

Why does Goofy stand erect while Pluto remains on all fours? They’re both dogs!

If Wile E. Coyote had enough money to buy all that ACME crap, why didn’t he just buy dinner?

If corn oil is made from corn, and vegetable oil is made from vegetables, what is baby oil made from?

Do the Alphabet song and Twinkle, Twinkle Little Star have the same tune? ( Why  did you just try to sing the 2 songs above?)

 

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 Les Berman CMC
      Business and Real Estate Loan Specialist
       
Voice: 818.305.4695
Email: les@lesberman.com

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July 12, 2014 Posted by | business, fun, general interest, humor, medicine, real estate, sports, stuff, Uncategorized, whimsy | , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Les Berman Weekly 2-15 Fine Dining. Living Long Loving. The Olden Days. And so much more….


The other day, while dining at that fabulous high end restaurant, yes, Costco’s Food Court, I sat at a table with a delightful lady who insisted that I was a kid. And I was ok with that, of course. But when she offered that her daughter was 73, I was shocked, because this lady certainly did not look 95. And she told me that when her husband came to the table, that I was not to mention that she had been married for 77 years, to the same guy. This gentleman was a spry 97, who moved like a 70 year old. And he still works part time.

 

She told me that his employer thinks he’s only 75 ! When I asked her for the secret of living as long as she has, and in such great shape, she said that she likes to breathe regularly ! And then she says that she married the best guy in the world. After I left, I recalled a conversation I had with a friend several years ago, after my divorce.

 

Steve asked me how many couples I knew that were as much in love with their spouse as they likely were when they got married. I think that I couldn’t get past six or seven. In the ensuing years, I think I might have been able to add two or three more couples. The rest, we decided, were complacent.

 

This isn’t a criticism but an observation. And I truly hope that you are one of those special couples, and that your Valentine’s Day was special. And that the couple who have 77 years together, also had a special day.

 

On the other hand, I was talking to another friend who had made a deal with his wife. They agreed that Valentine’s Day was over rated and that they could have a great dinner a week later. Of course, if you’re in the path of this week’s eastern and southern snow storm, you’re not going anywhere anyway. And I hope you survive the repercussions !

 

I remember, back in the olden days before cell phones, that there was a snow emergency in Winnipeg, and the emergency broadcast system said that telephones were to be used for emergencies only. I had a date that night so I decided I should call to tell her that I would not make it to pick her up. Her father answered the phone. I asked for his daughter, whose name I can’t remember now, and he said “Are you the police?” uh no. “Is this an emergency” uhhh..”get off the phone” and he hung up. I wonder if his daughter got the hint that I wouldn’t make the date.

 

I wonder if that was a turning point in my life? Maybe I should have become a cop so I would never have another dad-enforced broken date !

And here are a few more things that we didn’t know about in 2013. For women, smelling a newborn baby feels as good as drugs to addicts or cheeseburgers to those just breaking a fast. I don’t know if the smell is before or after the poop. Maybe it’s just the smell of the powder. But I like babies – until the diapers are loaded. A 10,000 year old mammoth trunk found in Siberia still had enough stuff that could be extracted to get the species going again. Heart disease patients with a positive attitude are more likely to exercise and live longer. The most positive patients exercised more and had a 42 percent less chance of dying during the follow-up period. I hope that I won’t ever be the exception to the rule! The oldest globe of the world dates from around 1500. It was drawn on ostrich eggs. I think it may not be edible !

 

Wolves howl to bring lost wolves back to the pack and to express the quality of their relationships. Come on – are their wolfpack therapists who figured this out? Give me a break !  Men howl to express their conquests on Saturday night. No therapist required for that knowledge ! Dolphins apparently have a signature sound that identifies them like a name. Scientists don’t know how they get their names. It’s so simple – how do those dweebs miss it ! The dolphin moms simply get the latest waterproof edition of the baby name book. Everyone knows that – now.

 

If you or someone you know needs money for their business or for a residential mortgage, I am still the guy with the magic number 818.305.4695. Memorize it ! Pass it along ! Make it work for you too !

Have a better week !

Les

Berman’s Factoids of the Week:

“Brevity is the soul of wit.” – Mark Twain.  “Brevity is the soul of lingerie.” – Dorothy Parker

“I didn’t like the play – but then I saw it under adverse conditions — the curtain was up.” – George S. Kaufman

“Wagner’s music is better than it sounds.” – Mark Twain.

“Every time a friend succeeds, I die a little.”  – Gore Vidal

“Liberty is the right to do whatever the law permits.” – Charles Monteiscu

“If the world were a logical place, men would ride side-saddle.” – Rita Mae Brown

 

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 Les Berman CMC
      Business and Real Estate Loan Specialist
       
Voice: 818.305.4695
Email: les@lesberman.com

 

March 15, 2014 Posted by | business, fun, general interest, humor, medicine, real estate, small business, sports, stuff, Uncategorized, whimsy | , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Les Berman Weekly 7-20 Accomplish? Medical Care? Water Sports. The Catch ! and much much more…


Did you accomplish anything this week? I don’t mean the lucky stuff, like getting to and from work without having an accident. But that is pretty good I guess. Did you do something commendable? And that includes virtually everything whether or not you actually received a pat on the back. Did you do something that you feel was worthwhile, whether it was recognized or not? Tell me what you did !

 

And while you’re thinking about that, I have to say a little more about medical care. One of my regular readers argued with my position from last week. He came up with several excellent points, but if I was to publish them here, you would never read me again. Let’s be honest about this. When I write things here, I am always right. Period. (My kids never bought in to that line, so it’s up to you if you want to !)

 

In a 2010 report by the nonprofit Commonwealth Fund, the United States, despite spending twice as much on healthcare, came in dead last compared with six peers – Britain, Canada, Germany, Netherlands, Australia and New Zealand. And in a pair of studies focused on obesity and physical activity. Those studies, published in the journal Population Health Metrics, found rising obesity rates in nearly all of the hundreds of U.S. counties it studied between 2001 and 2009, but they also found that many Americans are becoming more physically active.

 

Counties in Kentucky, Georgia and Florida all reported major increases in the number of people getting sufficient physical activity, which the team defined as 150 total minutes of moderate activity or 75 minutes of vigorous activity per week. Now odds are that my readers are not in any of those progressive counties. So my message is get off your rear end and do it.

 

I started a couple of months ago and I’m swimming long distances now. My motivation was that my surgeon told me that my recovery from knee replacement surgery will be much faster and easier if I strengthen my quads and hamstrings. So, after I figured out that my lack of a six-pack didn’t matter much, I found that swimming was a lot easier on my joints than would be doing dry land exercises.

 

OK, so you don’t know how to swim. Lame excuse !! At most public and private pools, there are teachers who will get you going, and work with you. Last week, a 40+ woman was taking a swim lesson because she wanted to regain some strength and health. The teacher was actually quite good I thought. And guess what, I don’t look that good in a bathing suit either. But I feel great.

 

Back in the early 70’s, and living in Vancouver, I was a consultant to a company that was importing, from Australia,  the swim goggles (they were not patented or trademarked)  that are everywhere today. They were selling about 5000 – 8000 pair a year, mostly to swim clubs, and making a profit of about $3.00 each. I think they were retailing for about $6 or $7.00 each.  I went to the sporting goods show in Anaheim with the goggles. One product. Just one product. I had some conversations with one of the largest sporting goods distributors in the country, and came away with a signed order for one million units. Really !!

 

Yes, of course there was a catch. They would only pay 79 cents a unit. So I went back to my  company and said .. wow, look at this!! And they said they couldn’t do it because their cost of per unit was about $3. So I said, in shock, “you mean you never got prices to manufacture domestically?” And they said “why would we?” etc etc. Stupid is as stupid does. Right ?

 

Finally, they got their prices and said they would not sell to that company because they could only make 10 cents per unit (remember – 1 million pieces), and why would they do that when they are making $3.00 per (say 8000 pieces). The big distributor said they would not sell to the swim club market so these guys could continue to get their $3 profit.

 

Here’s the end of the story… The Vancouver company said ‘No” and the big distributor went elsewhere and went on to sell millions of units annually.

 

Now there is a moral to this story. I just don’t know exactly what it might be ! Oh yeah… get in the water and swim for your health. You can wear goggles too !!

 

Rates continue to move up, down and sideways. If you want something that you’ve never had before – a mortgage health review and a mortgage plan, you need to call me today. 818.305.4695.

 

And if you want to learn how to eat and be healthy, and build a business on good health, go to this website and check it out. I have !!

Have a better week !!

Les

Berman’s Factoids of the Week:

Peanut oil is used for cooking in submarines  because it doesn’t smoke unless it’s heated above 450F.

The roar that  we hear when we place a seashell next to our ear is not the ocean, but  rather the sound of blood surging through the veins in the ear.

Nine out  of every 10 living things live in the ocean.

The banana cannot reproduce  itself. It can be propagated only by the hand of man (or woman).

Get Heathier Faster

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 Les Berman CMC
Real Estate Loan Specialist
       
NMLS ID 227675
Voice: 818.305.4695
Email: les@lesberman.com

July 27, 2013 Posted by | fun, general interest, humor, real estate, sports | , , , , , , , , , , , , , | Leave a comment

Les Berman Weekly 1-5 Rudolph. Sushi. Blaer. Goodbye Penny !


Every now and then, we have to take a deep breath and reflect on some of the good stuff that is happening around us. So we’re going to sit back and enjoy some of the reality. I really don’t care if someone is pregnant by her boyfriend or if another celeb is going back to jail. Sometimes, we have to think about whether or not Joanie really loved Chachi. Or why the alphabet song and ‘twinkle twinkle little star’ have the same tune. And did you just try to sing those two songs??

 

You certainly missed this a couple of weeks ago. In the world of science, and you know I like scientific discoveries, they now know why Rudolph’s nose is red ! According to the Dutch scientists , “The exceptional physical burden of flying with a sleigh with Santa Claus as a heavy load could have caused cerebral and bodily hyperthermia, resulting in an overworked nasal cooling mechanism that resembles an overheated cooling radiator in a car: Rudolph suffered from hyperemia of the nasal mucosa (a red nose) under more extreme heat loads during flight with a sleigh.” The paper goes on to say that scientists don’t like to put all their scientific eggs into just one basket of science. The paper’s authors acknowledge other theories for the red nose, including the common cold, alcoholic intoxication, or a parasitic infection of the nostrils. I think the overheating explanation is the least likely to make little kids cry. Case closed !

 

Shortly after Rudolph’s job was finished for the year, thousands of birders went counting.  And that’s an understatement. The National Audubon Society had their 113th annual Christmas Bird Count. It is intended to provide scientists with an annual census of bird populations to help assess the relative health of different species and guide conservation efforts. One group in Mount Pleasant, MI, counted over 13,000 birds from 61 species. Friends of mine are serious birders, and whenever they travel, they are fortunate enough to be able to go bird hunting – with a camera. They have shared amazing photos. They admitted, however, that they never got a good shot of Rudolph, with or without a cold.

 

Meanwhile, in Iceland, a girl is suing the state so she can use her birth name. In Iceland, there are only a certain number of names that can be given to a person. The reasoning is that some names work grammatically and others don’t. The 15 year old girl was named Blaer. The committee that decides on names turned down her application to use the name because …. the name takes a masculine article in Icelandic grammar. The Icelandic phone book lists people by their first name. So if your name is Olafur, good luck. And their surnames are very logical. So if your dad’s name is Bjork, his daughter’s surname would be Bjorksdottir (approximately). So young Blaer is fighting the fight and we wish her luck. And, in case you were curious, one of the permitted male names is, yup, you guessed it, Rudolf !

 

Do you have jars of pennies? or nickels? Did you know that the penny, or one cent coin, is being retired in Canada next month. Merchants will be required to round up or down on every cash transaction. Around the world, the penny is being abandoned as a useless coin. Vending machines and parking meters dictate what are the best coins of the realm. So Sweden, Australia, New Zealand are among the countries that have discarded the one penny coin. In Canada, it costs 1.6 cents to manufacture a one cent coin. I would imagine that the same is true here in the US of A. The Canadian treasury estimates that six billion pennies will be turned in over the next six years. And now they are considering getting rid of the nickel. This will happen here, perhaps, in the near future. However, the American experience will be that “we discovered it first” becuase American government and many businesses can not accept the fact that other countries have already been the beta test.  What does that mean to us? Our kids or grandkids will look at us quizzically when we say “A penny for your thoughts”, or “penny wise and pound foolish”, or “a penny saved is a penny earned” . Will you be allowed to put your two cents in? And will the courts allow free name changes so all of those people named “Penny” can become “Nickels” or even “Quarters”? What about Rudolph?

 

I know there are a lot of people who eat sushi aka raw fish. I am generally not in that number and I don’t expect ever to be. I do have the occasional spicy tuna thing – I have to call it ‘thing’ because I don’t know if it has any other name. But there are people in Japan who take this to an extreme. A restaurant owner paid $1.76 million, yes that is the correct number, for $3603 per pound for a 489 pound bluefin tuna. OK, so what’s wrong with that you may ask. Actually – nothing if you don’t mind paying $24 or more for a piece of sushi or sashimi. And if you don’t mind eating a fish that has seen it’s numbers depleted by 60% between 1997 and 2007. But really, $1.76 million for a fish that has to be eaten within a day. Not on my menu ! Nor, I would guess, on Rudolph’s.

 

So in other news, mortgage rates are extremely volatile right now with crazy swings every day. There are several reasons for this, none of which really matter unless you are one of those who has refused, forgotten, or avoided the refinancing process. It’s really not that difficult if you don’t fight it. It’s a process – a process that can save you money. I’m refinancing a home right now where the owner will save a basic $700 per month and more if we get a decent appraisal. He wasn’t going to refinance for several months. He changed his mind. It costs you nothing to ask the question – Can I refinance? Call me. Today. 818.305.4695.

Have a better week.

 

Les

 

Berman’s Factoids of the Week:

Why is “abbreviated” is such a long word?

Why is lemon juice is made with artificial flavor yet dishwashing liquid is made with real lemons?

If a deaf person has to go to court, is it still called a hearing?

Can a hearse carrying a corpse drive in the carpool lane?

And just what is Victoria’s secret?

 

 

 

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 Les Berman CMC
Real Estate Loan Specialist
       
NMLS ID 227675
Voice: 818.305.4695

 

 

January 5, 2013 Posted by | Uncategorized | , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Les Berman Weekly 12-1 Advance Planning. Powerball. Bird Spies. Restructure. Health CheckUp


It really has been bugging me lately but the great news is that we may only have to put up with this for another 15 days. After all, it has been this way for over 60 years. On December 15, television stations will have to adjust the sound levels of the commercials so that they are at the same level as the program that you are watching: no more blasting ads for the credit cards, soap, cars, or even worse, politicians!  How amazing will it be that a great hush comes over the country ! But, we all know that  some people will call their local station to complain that they can’t hear the commercials, or that something is wrong with the sound on their TVs. But I’m sure that you and I will be overjoyed !!

 

Have you done your advance planning? No – not buying a cemetery plot.  We are a mere three weeks away from the end of the world, according to the Mayan calendar. So, if you are counting on the end of the world, I want to buy your real estate now. You’re not going to need it – but I might. I’ll make a fair ‘end-of-the-world’ offer. There are many theories about the calendar, of course.

Some people say that the person who developed the calendar just ran out of room. Others think there were more calendar stones, while others surmise that the calendar maker used different languages knowing that they would mess up the translation specialists of the future (our present, now, today). Great sense of humor. And then I’ve seen the comparative photo of the Mayan end of the world calendar, an Aztec wheel, and an Oreo cookie. Maybe Mr. Oreo did this to help ease the way to the end of the world because cookies will not be consumed any more.

Like I said, I will buy your real estate. Call me. I’m already fielding calls at  818.305.4695 !

 

On the off chance that there might be naysayers in the audience, I heard today that we will finally get thePowerball lottery in California, but not until March or April of next year. The person from the CA. Lottery Commission said that tickets will be $2 each and that the prize money will start at $40MM. Just what I needed… another way to throw away my money and dream. At least I won’t have to call my son on the East Coast and ask him to make an investment for me. Yes, I know. He’s supposed to do it without my asking because he’ll end up with the spoils anyway. Another thing that he will have to remember. Unlikely !

 

Now I know that many of you will bet on football games, or basketball, soccer, (hockey won’t be around this season), or even the digits on the license plate of the next truck that rumbles by. The Powerball odds of winning the big one are 1 in 175,000,000. I found a list of things that are more likely to happen to you:

– being struck by lightning in your lifetime ( 1/10,000)

– getting attacked by a shark (1/11.5 million)

– being involved in a car-deer collision in Hawaii (1/6267)

– drowning in a bathtub (1/840,000)

– dying from a bee sting (1/6.1 million)

– being crushed by a vending machine (1/112 million)

– dying from using a right-handed product incorrectly if your are left handed (1/4.4 million)

– being canonized (1/20 milllion)

-being killed by falling aircraft parts ( 1/10 million)

– being killed by radiation from a nearby nuclear meltdown (1/10 million)

No, I didn’t verify any of these. Feel free to check into it and then let me know. Or don’t !

 

In other interesting animal news, it has now been proven that birds can rescue the international spy by using a tool. A study in Current Biology from researchers in Austria, specifically from the University of Oxnard, the University of Vienna, and the Max-Planck-Institute for Ornithology in Germany, found that a parrot could sculpture a tool out of shapeless wood. The reason I mentioned the institutions was to legitimize the inclusion of tool making parrots in the next James Bond or Jason Bourne movie. It was reported here first !!

 

Meanwhile, housing inventories are at record low levels in parts of Los Angeles and California. To have an advantage in getting your offer accepted, I will help to get you fully approved so you can make an offer without a financing contingency. Ask me how 818.305.4695 .

I’m working with a family right now to restructure their loans. They have a big equity line and a smallish first mortgage. I’m combining them together to give the family a fixed rate loan with a payment that will be as low as what they are paying now. The difference is that we have eliminated the interest rate risk that will come when rates go up – and they will. Call me today for your mortgage health check up with my compliments. 818.305.4695.

 

Have a better week !

Les

Berman’s Factoids of the Week:

Q. Why do Xs at the end of a letter signify kisses?

A: In the Middle Ages, when many people were unable to read or write, documents were often signed using an X. Kissing the X represented an oath to fulfill obligations specified in the document. The X and the kiss eventually became synonymous.

 

 

Q: Why is someone who is feeling great ‘on cloud nine’?

A: Types of clouds are numbered according to the altitudes they attain,
with nine being the highest cloud. If someone is said to be on cloud nine,
that person is floating well above worldly cares.

 

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 Les Berman CMC
Real Estate Loan Specialist
       
NMLS ID 227675
Voice: 818.305.4695

 

December 1, 2012 Posted by | Uncategorized | , , , , , , , , , , , , , , , , , , , , | Leave a comment

Les Berman Weekly 10-20 Falling Star. Freedom. Brazilian. Memoir Project


Catch a falling star and put it in a basket… the year was 1958… the singer was the Italian barber, Perry Como. You can find the song on youtube and sing along, or you can go outside tonight and watch the Orionids meteor shower. Somehow, the skies treat us to this every year. And this is caused by a swath of dust and rocks left behind hundreds of years ago by the renowned Halley’s comet. Most years, the meteor shower produces about 20 to 25 shooting stars an hour that are visible, but this is expected to be a good year with as many as 60 an hour that can be seen. So here’s hoping for clear skies tonight. Wake your little ones, or set your alarm so you can get up to watch.

While we’re on memory lane, we should commemorate the events of October 19, 1987, the day that some of us may remember as Black Monday. That  was before computers controlled trading on the stock markets, before email and texting, before twitter and facebook. Yet that was the day that the stock market dropped 22.6%, 508 points. There were a whole lot of people that were more than unhappy that day. An interesting side note is that if there was a similar percentage drop in the Dow today, the index would lose over 3000 points. And it took almost two years for the Dow to recover to it’s 1987 high of 2722. And now, the Dow is at 13,343.

I was at a networking event a couple of weeks ago, and commented that interest rates will go up, regardless of which of these two jokers won the White House. A couple of people were miffed either because they didn’t think the candidates should be referred to as jokers or because they had undying respect for the candidates. So, my position is this. If the candidates had more respect for us,the voters, and ran a campaign based on what they would do if they win (regardless of whether or not they would actually follow through), they might garner more respect. The animosity, the hate, the rhetoric spewed from both camps is disgusting, and it gets worse every election. As to them being jokers, they fit in a group of presidential wannabees along with four other people, Thomas Hoefling, Gary Johnson, Jill Stein, and yes, even Roseanne Barr. Therefore, jokers is an appropriate term ! Of course, the best news is that I can refer to the candidates as jokers and I won’t get shot or blown up for referring to them that way. Freedom of speech is priceless.

And the price paid for that freedom rests on the shoulders of so many men and women throughout history. This week, I was introduced to a project chaired by Jacques Cohen, a CPA here in the LA area. The Memoirs Project was established to honor and remember the individual Allied soldiers, resistance fighters and patriots who fought to free France in World War Two, and afterwards retired in the United States, or whose families live in the United States. This was started to commemorate the 65th Anniversary of VE Day.  After I started reading the memoirs of so many of the soldiers, I blocked out the ringing phone and the emails. You must read these accounts by soldiers and their families. Here is the website http://www.frazerllp.com/articles-research/jacques-cohenproject/ . And thanks to all of the men and women who served and are serving to enable us to keep the freedoms we take for granted.

And there is good news on the horizon, You may not remember that in December, after the election of course, our TV’s will be undergoing a major change that is long past due. The loudness of commercials on TV will have to be at the same level as the programs we are watching. No longer will advertisers be able to double the volume, simply to get their messages heard. And we won’t have to grab the remote to turn down the volume. Can you imagine how healthy our population would be if we did not have remote control devices, and we  would have to get up every time we wanted to change the channel, or adjust the volume? Ha – we might be 20 pounds lighter and have developed quadriceps. Now there is a thought ! I don’t think I know how to change the channel manually!

I hope you don’t have a credit card from a Brazilian issuer. Average interest rates in Brazil are 343 percent, compared to 34 percent in Mexico and 17 percent in the US. And for the first time, Brazil will have credit scores and they will be provided by Experian and Equifax affiliates. Watch for the expansion of the Brazilian economy again. In every country where credit scoring came into effect, credit expanded by 50 percent. It’s all about the numbers.

And talking about numbers, I want to thank those who called me last week for their complimentary mortgage health check up. They gave me about 15 minutes of their time, and I emailed an analysis to them. And thanks to those who called this week for me to look after their mortgage needs. With 15 year money still under 3 percent, and 30 year, around 3.5, you should ask me how I can look after your requirements with a no cost loan. Simple instructions: pick up your phone. Touch818.305.4695 and talk to me. I answer my phone on weekends !!

Have a better week !!

Les

BERMAN’S FACTOIDS OF THE WEEK:

Q: Why are zero scores in tennis called ‘love’?

I did a theatrical performance about puns. It was a play on words.
They told me I had type-A blood, but it was a Type-O.

We’re going on a class trip to the Coca-Cola factory. I hope there’s no pop quiz.

A: In France , where tennis became popular, round zero on the scoreboard looked like an egg and was called ‘l’oeuf,’ which is French for ‘egg.’ When tennis was introduced in the US, Americans (mis)pronounced it ‘love.’

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 Les Berman CMC
Real Estate Loan Specialist
       
NMLS ID 227675
Voice: 818.305.4695

October 22, 2012 Posted by | Uncategorized | , , , , , , , , , , , , , | Leave a comment