The market is about to blow up. That is what we hear every 10 years or so and it is usually run by a credit cycle that our housing market goes through. It looks like currently is one of the best times to ever buy a home. The lending industry has negative interest rates on the rise and that means a home could be purchased for the smallest interest rates of possibly all time soon. So is it time to get the cardboard boxes packed up and look for a new home! I want to go over some of the possibilities that are coming in the market and some things that may affect what you do with your real estate purchases in the future.
The first thing to know is that interest rates are prime. This is always a huge part of purchasing a home and that is because most everyone does not pay cash for a home. The majority of Americans are in mass amounts of debt and that comes homes in a big way. When people buy a home they end up getting a loan and mortgage to end up purchasing it. The note is the debt and mortgage is the paperwork that states you will lose your home if you don’t pay for it.
The extra amount of money the lender makes on interest is the incentive for them to actually give you money to buy a home. The percentages for lending money these days are going to their lowest amount in my lifetime. Soon it is actually rumored that interest rates on the federal level will reach less than zero. This means that banks will lend money at most likely all time lowes. This ends up in thousands saved over 15 to 30 years of interest accruing during the time living in the house.
This also means lower monthly payments on
mortgages. So if you are ready to get
your cardboard boxes packed up and move to a new house you may be paying less
for the same size house per month. Many
people are refinancing and saving 200 to 500 a month on mortgage payments. This allows them to either pay off their
house faster or have more income to spend on other things during the same time
frame. So if you are thinking about moving or getting into your first
house. Now really is a great time to
Life is full of nuances and small ways to get the best things possible. The saying and ideas that the little dive shops are sometimes the best in the town are many times true. I would imagine that the same goes for ice cream as well.
At least in my local towns that I have lived in it was always the small place that never seemed to close down that was the most popular. Back in my past I can attribute this to brand loyalty and also to astounding service. The service I always received at those places was what always won me over. The first place was called Frosty Boy
Frosty Boy was a small shop located in the country. The town was so small you could drive through it in 2 minutes and it mostly was frequented by individuals needing gas. But there was a small store in the middle of the town that drew more people than gas on most summer nights and that was Frosty Boy. They sold some of the best ice cream in the State. The reason why was because they offered the best flavors of all the candy boxes imaginable. They would literally take the candy boxes of all your favorite brands and line the windows of where you ordered with them.
That away you could point to and pick which flavor you wanted in your ice cream. The best part was each size was always twice as big as the competitors size. If it was a cone a small was a medium and a medium was the equivalent of the competitors large. The large sizes were super size and were almost always way too much. But the best part was that they did all this with the most competitive prices in the State. I image that they had a really good supplier and with all the foot traffic that they brought in they were able to survive very well and be profitable but wow was it impressive.
The next best place is located in my current town and they are smack dab in the
middle of the city. They are a walk up ice cream shop and are open year
round. What sets them apart is that they
seem to have the best flavors of any other ice cream shop I have had to
date. The flavors are all custom and
each one is unique. All I can say is that the hidden gems are simply that.
This year I found myself at home for the last 8 weeks. It was not by choice and as a matter of fact it was not for any personal health reasons. And no I was not fired either. The reason I am at home is because of the Covid-19 Pandemic that has spread across the world. The state I live in created unconstitutional laws that forced me to not go to work. My job was labeled not vital enough to go to work for. So I have been at home and it has actually been rough.
Physically my body was really struggling due to
not having my work gear at home. So I
have had to improvise to create a work environment that is capable of going to
At home I do not have my own desk. I started out working from my couch and with
a laptop computer. This was workable for
several days until my back began to hurt.
It started at a slow pain that was manageable and I started working out
more thinking I just needed to keep moving.
Instead it began to get worse and my back pain turned into my sciatica
nerve shooting pain all over my body. It
turns out this was due to the couch not providing enough support. So I spent a week on medication to lessen the
swelling around my nerves.
From there I went on a journey to find a better way to work. I brought in kitchen chairs into my living room and created a makeshift desk and sitting chair. I found that my wrists started to hurt after days of typing because the keyboard was not at the proper height. I then decided to grab some games which are made from cardboard boxes to prop up my laptop and mouse.
This eliminated my wrist issues and my back slowly started to become more comfortable as well. From there I actually used side tables to put my cardboard boxes and computer on. This allowed me to pull my chair up under it and make it a very small and mobile desk.
The mobility allowed me to then put it all back
after work was done. This gave me the
psychological break I needed between work and home that I was also struggling
with. Work cannot go on all the time and need not be thought about at all times
of the day especially from home. So be
adaptive and safe as you are trapped at home too.
Ever since I was young I really liked making food. I think it came from my Mom because she was always baking. A little bit of my passion came from my Dad as well since he would always make breakfast in the mornings. Both of my parents were happy to let me tag along and make breakfast or bake with them and I found it to be fun most of the time.
Either way it sure was a great way to spend time with them and that may have been the base of the foundation for it on both ends. Taking the love for making food I actually have continued to do it and found out some great things. One of my favorite things was the ability to make a candy cake. It is really a pudding cake which involves any of your favorite candy boxes dn some other good things as well. Let’s go through how to make one.
The first and most important part of the whole
process is having a giant bowl. I mean a
popcorn sized bowl which is at least 1.5 feet wide more like two feet wide and
a foot deep. If you don’t have one when
you go to the grocery store to get your candy boxes and cake mixes you need to
pick one up. The heart of the candy cake
is to be able to layer it all in one place and it takes a lot of space to be
able to do that.
Next you need ingredients. So head to your local store and follow social
distancing rules. What you are looking
for is two boxes of chocolate jello pudding and two boxes of chocolate cake
mix. Then make sure you have the eggs
and milk on hand to be able to utilize those mixes. Then and most important is to pick you
favorite chocolate candy. For me this is
reeses peanut butter cups. Grab a whole bag of them because you will need
it. Then get two bowls of whipped cream. That is all you will need.
Now when you get home, bake both boxes of
chocolate cake in separate pans. Then set them aside to cool. Make the two packets of chocolate jello
pudding and get them ready in a bowl. Now cut the cake into small cake piece
squares and make a layer in the popcorn bowl. Then spread a thin layer of jello
pudding and whipped cream on top. Then add some reese peanut butter cups. And
after that keep layering in the same fashion till the bowl is filled. Then on
top just put the rest of the pudding and whipped cream and place reese cups on
top. Yum, enjoy your easy breezy beautiful candy cake.
The world has become increasingly smaller and people are now able to get items from all across the word. This has been marvelous for economic reasons and allowed many places in the world to thrive where their local economies would not allow it. It has also had some detrimental effects on different areas including the environment.
In particular the use of cardboard has been increasing not only in the last few years but centuries. It was created in the 17th century and slowly become the leading item for packaging supplies in the world. The United States per household throws away roughly 13,000 separate cardboard boxes every year. That number will most likely increase due to the covid 19 pandemic. Now since most Americans are forced to stay at home we are ordering more from online stores and being shipped our items in cardboard boxes. It has become possibly its own pandemic in a way due to the excess amount made and the inability to dispose of it properly.
A fact that will blow the average individuals mind is that the amount of energy used to create cardboard. If the amount of cardboard that was thrown away each ebay was instead used to heat houses. Then 50 million average households would have the energy to heat their homes. That amount is staggering and it shows that we spend more on creating cardboard then we most likely should. In the United States alone we throw away 850 million tons of paper and cardboard.
That number is staggering to me and what that really means is that 1 billion trees were mostly likely cut down to create that amount of waste. This means that the average American uses 7 trees all on their own just in paper waste. For me personally that would mean I would cut down every tree on the property I own in one year. This for myself would be unsustainable because it would take 40 years to get my trees to grow back to the same size and that number and time involved is hard to wrap my mind around.
The amount of waste we are creating and the amount of energy we are spending to create that waste is most likely not sustainable. If we could instead recycle every amount of paper we might be able to slow the degradation of our tree population down. This at the very minimum should be what we all due. So keep in my the need to recycle and try to do so with your paper products.