Trust, respect and Communication

Thanks to Guinevere  for this idea


Trust, respect or Communication Of the three which is most important?


In my opinion the most important is RESPECT. it independently moves in all aspects of life. If respect is happening in a relationship there many ways you can get to good outcome. If respect exists everything can be altered and every good qualities in a relationship will follow..

You cannot have trust without respect. Without respect, will lead to doubtful thinking. How can you trust a person fully if you have never respected that person? A person who is respected can build trust and overcome the other person's possible indifference.

What is communication without respect? Without respect communication may lead to many arguements, or verbal abuse or emotional distress. With respect communications will be done [roperly and even if there is conflict communicatons and respect may give a peaceful and unified solution.

Good communication will lead to good understandings and taking into consideration the others feelings and a good foundation of respect will flourish because you will grow to trust each other and be sensitive enough to take in consideration one's opinions, feelings and views.

Respect gives peaceful coordination and acceptance of other views and helps one to accept their reality and that their presence with you at this time is important.

Death and Taxes eh

A friend of mine had another of his close friends die the other day from a heart attack and it upset him. He said that the first thing he thought about after hearing of the death and getting over the shock of he news, was his own health and life, and he realized that he wanted to reduce the amount of things that were causing him stress. 

We were out after planning our annual golf trip and the conversation had drifted to stress, life and staying healthy. While we talked a Magician worked the crowd, came over and used his charm as he performed his magic, we laughed and wondered at his performance.

The Magician left  us and continued to work the room, and my friend then went on to say that the next thing he thought about was me, and so he gave me some heartfelt advice that I should not go back to work and that I should learn to relax and enjoy life. I had already made the decision to move in that direction, so it was easy to agree.  

As we talked we watched the magic that was being performed at the other tables. Between the magic, the conversation and the friendship, we stayed, solved the problems we face and closed down the pub. Something I have not done in years,  however being older and wiser, I had paced myself and put myself in the designated driver role so I was able to drive my friend home. 

As I was driving home I realized that like taxes, death is part of living and I thought about how we deal with death. and wondered and thought about what it would be like to meet death from the perspective of the dying.

Some people believe that the Universe shows us things that we need to take care of and others are skeptical of the role of the universe (I am one).  


I do know however, that our minds can only focus on one thing at a time. So when we are thinking about something in my case death and dying, then I know that I will notice things around me about that topic that I would not normally notice. So I was not surprised when today, I read an article that talked about the top five regrets of the dying. Although there are some who would say the Universe was talking to me I know I saw and acted on the article, because I was in the mind to pay attention to the story. Either way, I thought I would share the top five regrets of the dying:

1. I wish I  had the courage to live a life true to myself, not the life others expected of me

2. I wish I hadn't worked so hard

3. I wish I had the courage to express my feelings

4. I wish I had stayed in touch with my friends

5. I wish that I had let myself be happier

What is your greatest regret so far, and what will you do to change and put that regret behind you before you die?

Source for the top five regrets here: http://www.guardian.co.uk/lifeandstyle/2012/feb/01/top-five-regrets-of-the-dying?INTCMP=SRCH

A new petro state

A new petro state has emerged in global affairs and its extreme political behavior has unsettled both Americans and Europeans alike.

For starters, the year-old regime has muzzled government scientists who are now accompanied by Soviet-like “minders” at public events.

It has branded environmentalists as “foreign radicals.”

It has abandoned its commitments under the Kyoto Protocol to reduce atmospheric pollution and effectively has no national plan to deal with climate change.

The state’s Auditor General has accused the government of lying to elected officials and concealing the real price tag for military aircraft: An astounding $25 billion.

Given that Canada’s prime minister and his cabinet ministers now receive a portion of their paychecks from bitumen taxes (not one petroleum cent is being saved federally), just about everyone expects the level of tension, intimidation and conflict to rise steadily in the country. And yes, you read that correctly: We’re talking about Canada.

Read More Here: Canada's Hard Turn Right | Adbusters Culturejammer Headquarters

Mom is not pleased--life with boys

Thanks to Tracy for this Mother is NOT Pleased 


a) For those with no children - this is totally hysterical!
b) For those who already have children past this age, this is hilarious.
c) For those who have children this age, this is not funny.
d) For those who have children nearing this age, this is a warning.
e) For those who have not yet had children, this is birth control.

The following came from an anonymous Mother in Austin, Texas...

Things I've learned from my Boys (honest and not kidding):

A king size waterbed holds enough water to fill a 2000 sq. ft. house 4 inches deep.

A 3-year old Boy's voice is louder than 200 adults in a crowded restaurant.

If you hook a dog leash over a ceiling fan, the motor is not strong enough to rotate a 42-pound Boy wearing Batman underwear and a Superman cape. It is strong enough, however, if tied to a paint can, to spread paint on all four walls of a 20x20 ft. room.

You should not throw baseballs up when the ceiling fan is on. When using a ceiling fan as a bat, you have to throw the ball up a few times before you get a hit. A ceiling fan can hit a baseball a long way

The glass in windows (even double-pane) doesn't stop a baseball hit by a ceiling fan.

Brake fluid mixed with Clorox makes smoke, and lots of it.

A six-year old Boy can start a fire with a flint rock even though a 36-year old Man says they can only do it in the movies.

Play dough and microwave should not be used in the same sentence.

Super glue is forever.  But Super glue is NOT forever if it's a hand stuck to the face 

VCR's do not eject "PB &J" sandwiches even though TV commercials show they do.

Garbage bags do not make good parachutes.

Marbles in gas tanks make lots of noise when driving.

Always look in the oven before you turn it on; plastic toys do not like ovens.

The spin cycle on the washing machine does not make earthworms dizzy. It will, however, make cats dizzy. Cats throw up twice their body weight when dizzy.


Plastic action figures do not flush


Blankets don't work either as parachutes, well at least when jumping off the roof. 


Fan hitting marbles makes much more noise but harder to hit.  


Melting crayons in glass test tubes shoot pea green hot molten wax onto the ceiling


Throwing Silly putty into a ceiling fan is a great and easy way to forever paint graffiti on the ceiling that does not come off


 80% of Men who read this will try mixing the Clorox and brake fluid.


Women will pass this on to almost all of their friends, with or without kids.

The impact of the new mortgage rules in Canada

Garth Turner at his blog the Greaterfool.ca spends some time looking at the impact of the recent decision by the harper government to change the mortgage rules in Canada. The impact of this is going to impact all of us who own property or want to own property. The full post is here but the excerpt below should give us all pause to think, emphasis mine.


...The US media has been peppered with stories about an inevitable dump in Canuckistan real estate values now for a couple of months (this apparently seems obvious to everyone but Canadians). But with Ottawa’s deliberate deflation of housing just days ago, fear’s in the air.


No wonder. As the F-and-OSFI tag-team hits are better understood, consequences become clearer.


There are more than a quarter million first-time home buyers a year in Canada (new and resale), and at least half of them will be affected by killing off the 30-year amortization, eliminating the cash-back mortgage or jacking up borrower qualifications. A big reason house prices have advanced and unsustainable markets held has been all the virgins pouring in with their hormones and 100% financing. Underestimating the impact of these changes on them, or the market, would be a big mistake.


As the mortgage broker bible (Canadian Mortgage Trends) pointed out, dropping the amortization alone means a buyer with no debt and a $75,000 income will qualify for almost $50,000 less in financing. So he doesn’t buy, or prices go down $50,000. Either way, big outcome.


Ditto for the new debt-ratio rules. Last week some people thought they were being made more generous, but the opposite is true. The gross debt service ratio (GDS) is falling from 44% to 39%, which means a buyer earning $75,000 not only can afford less mortgage, but might also qualify for a significantly lower amount – 12%, or $57,000, less. More downward pressure on house prices.


The new million-dollar rule for CHMC insurance might be politically sexy, but it’s also a game-changer in places like Vancouver, Richmond, Unionville and hunks of 416. In the GTA and the Lower Mainland million-plus listings now amount to almost 20% of the entire market. As I mentioned last week, over 2,500 houses in Van and 5,000 across the region are priced here. Soon buyers will need at least $250,000 in cash to close these deals, which means more $999,900 homes.


And those HELOC changes are a big deal. Today you can borrow 85% of your home equity, but soon it will be just 65% (or 80% if you layer an amortized mortgage on top of a line of credit). The inevitable result will be crickets in Home Depot. But how can civilized life go on without upgrades to 14-burner gas ranges and squirting toilets?


By the way, the mortgage industry is freaking. The professional association issued a statement saying, “these changes, together with new OSFI underwriting guidelines…may precipitate the housing market downturn the government so desperately wants to avoid.”


But the fact is, F and Mark Carney now want real estate to deflate. They desire lower prices, even knowing thousands of recent buyers will be thrust under water, economic growth will be impacted, employment whacked and downtown condo towers turned into monuments to speculator stupidity and losses. As houses lose value, families will shed equity – everywhere. The wealth effect will be gone, and consumer spending impacted. Lower retail sales, fewer Best Buys and more Wal-Marts.


It underscores the seriousness of the choice: wait for a US-style, bank-kicking housing wreck, or create a Canadian-style controlled melt.