Archive for: July, 2023

Soldier Outfitting – Past, Present, and The Future

Jul 02 2023 Published by admin under Uncategorized

In World War II a soldier didn’t have much to carry. In fact the total weight I’d guess would be less than 35 pounds. The equipment in that decade consisted of bare minimum. A soldier typically carried or worn a uniform, steel kevlar, weapon, canteen(s) with cup, bedroll, and a pack. When the soldier stepped onto the battlefield the total cost of his eqiupment was $170.

From Vietnam-Iraq:

As the years continue we evolve, and as we evolve manufacturing prices inflate. In the 70s the price inflated from $170 to $1,100. Vietnam, the war at that time demanded improved eqiupment, and so the flak vest and M16a1 was developed for the needs of the soldiers. From Vietnam until the first involvement in the Middle East, the Army’s eqiupment hasn’t been upgraded signficantly. Changes have been made, but not as much from the 40s-70s. The inflation of manufacturing increased from $1,100 to $17,500 for the present day. For battlefield operations presently a soldier is outfitted with: advanced body armor, high-tech flak vests, improved kevlars, M-4 Carbine, NVGs/Thermal Sights, ballistic eye protection, digital print fire-retardant uniforms, tennis shoe styled boots, camel bak, kevlar gloves, and ear plugs. With all this eqiupment it’s difficult to have mobility with the weight of 75 pounds.

Futuristic Soldiers:

In the coming years (2015-?) Soldiers should expect many upgrades ranging from full body armor uniform, visor mounted kevlars with digital landscapes, weapons that shoot around objects (buildings), greatly improved communication ear pieces, and overall lighter packing. The Pentagon has already put a price tag on outfitting the soldiers of tomorrow to be from $30-60k (depending on versions).

The Army of tomorrow:

Just to brainstorm and day dream what civilization would be like in the next century. I believe we’d have full bodied armor that is perfectly balanced to our height and weight. Xray, Thermal, NVG screens. Force Fields for offensive and defensive stances. The possibilities are unlimited.

What do you think we’ll have in the next century whether Military or not? I’d like to hear your thoughts in the comment area!

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Past, Present, And Future With The Law of Attraction

Jul 02 2023 Published by admin under Uncategorized

Do you ever experience those moments when you find yourself propelled back to some past (usually traumatic) incident that you would just as soon forget? Or how about when you begin to think about your future and it devolves into a big worry fest? If this sounds familiar, then it’s time for some change.

With the Law of Attraction, the Universe never distinguishes between the past, the present, or the future. The Universe merely picks up on whatever feeling you are emitting, and sends back to you similar situations that resemble that feeling. If you are thinking about the past and are reliving a negative situation over and over again, and are attaching some strong emotions to it while you do, you can bet that the Universe will soon be sending more the same feeling to you in the form of a similar (and, to you, a familiar) situation. The same goes for your future. If you are contemplating how you are going to exist on your “meager” salary in the coming year, and as you do, become negatively or fearfully worked up over it, the Universe will once again zero in on that feeling and generate a similar feeling to be delivered right back.

You don’t have to guard every thought; just be aware of how you are feeling. It’s not the thought so much as the feeling that causes things to start moving your way. Make a conscious choice to observe your feelings you are emitting.

Creating a New Life

You want to create your life in the now. If you are creating this beautiful goal for yourself and you see it happening in the future, it will remain in the future. Feel that it is happening now. Visualize it as if it is happening this very moment, and feel it in the now. This creates the good, strong, positive emotions that will have the Universe bringing back to you exactly what you are feeling. Thank the Universe for already taking care of it, and feel grateful and thankful that whatever you desire has come to pass ― and then let it go, and let the Universe get it together for you.

Break the Cycle

Some people wonder why their life seems to be always on a repetitive cycle. They may encounter situations that just keep repeating time and time again. This kind of cycle must be broken. Mulling the same past memories can keep you in the same pattern. Break the pattern. You don’t need the memories that hurt you. Hang on to the ones that make you feel wonderful, and revel in those. See your future as a bright star that you can see now, not a “groundhog day” life of repetitive, hurtful experiences. Everyone has been hurt in some way or another, but we don’t have to subscribe to reliving the negative experiences. Instead, we can learn from them through observation and acknowledgement, while keeping the feelings clear of a highly charged emotional past. Break the cycle.

And do your best to be grateful for your past experiences. Past experiences can teach you so much about yourself, and only help you on the path that you are walking today. Many past experiences show us what we want and don’t want. That is a major step in the Law of Attraction; knowing what you don’t want and moving toward what you do. If you remain within the “don’t want” experience, you will continue to get exactly what you don’t want directly from the Universe. So make sure to observe what you have learned without getting roped into the hurtful feelings of the past, unless, of course, you somehow prefer those feelings and want more of their effect on your life.

Your past, present, and future really play a role in achieving what you desire through the Law of Attraction. Make sure to be aware of what you are feeling as you attain what want, while living your life through the Law of Attraction.

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The Present Situation For Writing And Publishing Creative Writing For Children In Africa

Jul 02 2023 Published by admin under Uncategorized

Africa has been marked by a dearth of books, especially picture story books for younger children reflecting an African environment both in textual context and illustration. Problems militating against a rapid growth in writing and publishing for children in Africa include the following:

(1) The bulk of reading matters available to the African child are textbooks rather than books for pleasure and enjoyment.

(2) Most children’s books are still imported. Such imported works are mostly insensitive to local culture, and unreflective of the social realities of the African child and his aspirations.

(3) Not enough African published children’s books are available.

(4) If they are available the illustrations in them are either

(a) of poor quality

(b) not in full colour

(c) Do not have beautiful dust jackets.

(5) And if they are in full colour, and of good quality, they are either much too expensive or for an elitist few and well beyond the reach of most African children, especially those in the rural areas.

(6) Most serious African authors do not bother to write for children since it is not accorded the same status as writing for adults.

Africa has very little concern for written literature. Even Nigeria which is rich in award-winning authors is marked by neglect of her authors. Writers are seldom as footballers are. Hardly any foundations exist to boost the creativity of African writers. Prizes for literature are also in short supply. Book Development Councils seem to be either non-existent or collapsing except in Ghana. In Sierra Leone and the Gambia its absence is still being bemoaned. Whereas in Nigeria where one was once set up to develop indigenous book publishing, it hardly made any impact until it was swallowed up by the Nigerian Educational Research and Development Council. In Africa generally adults seldom read children’s books – not even parents. Compared to the over 2,000 titles published every year for children in Britain, the output in Nigeria is hardly up to 60.

In spite of the over 100 publishers in Nigeria the situation remains bleak for children’s literature. This is due mainly to their textbook orientation which makes them lazily rely on a captive school market. It has been proven that if only African children had access to more books they would read outside the classroom. An illustration of this fact could be seen from the 1985 Ife Book Fair where the Children’s Literature Association of Nigeria (CLAN) held a special exhibition of books

Visitors to that stand were fascinated by the colourful poster illustrations of folktales decorating the wall, the top and back of shelves. Some even wanted to buy the poster-sized illustrations made by a very gifted woman artist from the Nigerian television authority. The festive air given to the stand by the balloons decorating it along with the colourful posters attracted many children. There was the astonishing sight of three children of varying ages reading one picture book at the same time, visibly very fascinated by this picture book entitled No Bread for Eze by Ifeoma Okoye and published by Fourth Dimension in Enugu. It was one of those picture books where both story and illustrations were ideally integrated. It was about a young boy Eze who loved bread and could not eat enough of it. He wanted bread all the time. So his exasperated parents made him eat nothing but bread. Eze was at first very happy. Nobody was pressurizing him to eat nourishing food. But he soon grew tired of eating bread all the time and pleaded with his parents to give him other types of food. But they would not relent. So Eze became tired of bread and stopped eating. He grew hungry and weak and could not even play football with his friends. In the end his parents relented and Eze began to enjoy a balanced diet, having learnt that boys shall not live by bread alone. This emphasizes the importance of illustrations in children’s books, for those children were fascinated not only by the story of Eze but also by the imaginative and sometimes humorously drawn pictures. If children are to acquire the reading habit, they must be given attractive books which also mean well-illustrated books. Even a two-year old baby can enjoy looking at a picture book. Picture books could indeed be expensive to some extent if one insists on printing in four colours which is ideal as could be seen in the lavishly illustrated folktale The Drum specially written for children by Chinua Achebe. But even line and wash drawings could be so well drawn that they too could be captivating.

Half-tone illustrations as in Adagbonyin’s The Singing Ashes (1981) can also be effective due to the masterly shading of the artist. Even one-colour children’s books could infectiously hold young readers as does Just in Case (1983) By Sandra Slater, illustrated by A.L. Satti.

Other good picture books include the colourful Amina the Milkmaid (1988) by Fatima Pam illustrated by K. Ofori Pam, a Ghanaian, The First Coin (1989) by Mabel Segun illustrated by the same artist and How the Leopard Got His Claws (1982) by Chinua Achebe and John Iroaganachi. This has two illustrated versions, the one in full colour being by Adrienne Kennaway.

Although Nigeria has a few good illustrators, most of the good illustrations there have been done by expatriates. It appears that many Nigerian illustrators cannot draw children’s faces and have problems with interpreting texts. In order to remedy these defects, CLAN has run two illustrators’ training workshops with UNESCO funding and published a book on Illustrating For Children (1988) edited by Mabel Segun.

But this problem can only be solved permanently by integrating text and illustrations, a feat best accomplished by an author illustrator The cost of publishing in full-colour could even be reduced through co-publishing with, a number of publishers working together to increase print runs and reduce the unit cost of books. Sometimes a book is published with texts in different languages using the same colour illustrations. In Nairobi, five publishers across Africa including Nigeria’s Daystar Press came together in 1983 under the auspices of the World Association for Christian Community (WACC) and co-published a number of children’s books in full colour under the imprint DUCCA.

The dearth of good children’s authors is also militating against the publishing of children’s literature in Africa. For, writing for children, is much more difficult than writing for adults, for not many adults can either enter into the child’s world and interact with him with understanding and lack of condescension whilst adapting the contents and language of her writing to the child’s age, experience and background… A good writer for children must understand a child’s psychology for the story not to ring false. Good children’s literature arouses a child’s imagination and extends his horizon giving him a knowledge of the past in relation to the present and imbuing him ideals and values necessary for national development. Work ethics. selflessness, loving relationships, acceptance of responsibility are amongst the values which can be so taught, not in a didactic, off-putting manner but with subtlety so that children can be mobilized towards national and international development. Good children’s literature develops a child’s creativity and inventiveness without which a people cannot hope to move into the technological age.

Good literature can also give a child personal identity in a continent which has been subjected to cultural imperialism through mass importation of foreign literature. Achebe does this through his well-written folktales such as The Flute, The Drum and the earlier How the Leopard Got His Claws co-authored with John Iroaganachi and published in 1972 by Nwamife Publishers. The latter was one of the first children’s picture story books published in Nigeria and remains one of the best and most successful ones, with an East African Publishing House. Chinua Achebe is quoted as saying it.. ‘Is one of the best things I have ever done.’ Mabel Segun does this through character-building books such as Olu and the Broken Statue (1985).

In neighbouring Ghana many other problems including the country’s balance of payments difficulties which cause constant short supplies of essential raw materials and
spare parts to repair defective printing equipments. Amongst The Ghana Publishing Corporations’ substantial number of children’s books published, one of the earliest and most attractive was Mesheck Asare’s picture story book, Tawia Goes to Sea published in 1970. This was probably the first African-published children’s book to gain world-wide recognition and it was also the first book from an African publisher to be translated into Japanese. Better still was the welcome news that a Ghanaian children’s book was the winner of the 1982 Noma Award. This $3,000 prize went to Mesheck Asare, for his engaging picture story book The Brassman’s Secret published by Educational Press and Manufacturers United of Kumasi in 1981.The jury in selecting it were impressed by its’ exciting and unusual children’s story, beautifully and imaginatively illustrated by the author, himself an artist, to bring out important aspects of his Asante culture. They also thought it remarkable that a book of such high quality was produced under such difficult conditions then prevalent in Ghana. Asare has like Achebe been rehabilitating the African child’s mind through literature designed to reveal to him his cultural heritage through all these fantasies as well as the adventure book Chipo and the Bird on the Hill and his more recent Sosu’s Call

Another G.P.C. item Mercy Owusu-Nimoh’s The Walking Calabash published in 1977 was singled out for ‘Honourable mention’ in the first Noma Award for Publishing in Africa competition

Inspite of its many problems Ghana manages to maintain a lively and enterprising local book industry. Firms such as Aframs Publications, Adwinsa Publishers and the Wielerville Publishing House are among those whose list includes occasional children’s books.

In East Africa, the bulk of the children’s book publishing output is from Kenya. The East African Publishing House in Nairobi in particular, has an extensive list of picture-story books illustrated in full colours, as well as readers, and traditional stories and folklore. Especially appealing is their series called ‘Lioncubs.’ Charity Waciuma, Pamela Kola, Asenath Odaga and Cynthia Hunter are amongst the most prolific authors in the EAPH list. Another prolific children’s writer is Barbara Kimenye who publishes with the East African branch of Oxford University Press, some titles one of which is Martha the Millipede recounting the story of Martha who fed up with getting sore feet decided it was about time to get herself some shoes.

The Kenyan Literature Bureau taking over from the East African Literature Bureau has produced a few children’s books among which is Ray Prather’s A is for Africa A Colouring Book for Africa which contains forty full-page drawings depicting the various people of Africa, accompanied by small maps showing their geographical locations.

Foremost Kenyan writer, Ngugi Wa’Thiongo has joined his Nigerian counterpart, Achebe, in writing and publishing his first children’s book but unlike Achebe in his native Gikuyu language but later translating it as The Great Hero and the Flying Bus.

In Southern Africa, Zimbabwe Publishing House have already built up a most impressive collection. A government supported private commercial undertaking, it publishes books on education, politics, literature and creative writing, Zimbabwean history but with books for children featuring prominently. It sponsored a splendid magazine for children ANTS started by a panel of Zimbabwean children but which I have learnt with much regret has stopped publishing more than 15 years now.

Other publishers catering for children here are Mamba Press and the Zimbabwe Literature Bureau, the latter having a wide range of materials in Shona and Ndebele comprising novels, poetry, short story booklets, children’s comics and material for literacy development.

In Malawi another firm actively developing children’s books in the indigenous languages publishes the popular publications of Limbe.

In Lesotho the church-sponsored Mazenod Book Centre similarly has a substantial list of books for children in African Languages,

In Zambia and in Tanzania some children’s material is coming from the National Educational Company of Zambia and the Tanzania Publishing House.
In South Africa initially the small local market did not make it feasible to publish local children’s books in English. English children’s books written with a South African background or by a South African were usually published in England. Jock of the Bushveld (1907) written by Sir Percy FitzPatrick, is generally regarded as the first English South African children’s book. .This was published in South Africa during the second half of the twentieth century. Only during the 1970s did local publishers realize the need for indigenous children’s books in English and start exploiting the market. This change was brought about single handedly by the writer Marguerite Poland with her Mantis and the Moon which was published in 1979. The rise in price of imported children’s books made the publication of indigenous material more competitive. The political changes during the 1980s then brought improvement of the quality of education of African children and the decision that they could receive tuition in English. This created a large potential market for English children’s books in which some publishers specialize. At the end of the 1980s English children’s books were prominent in dealing with the political and socio-economic conditions in the country. The English children’s book was more explicit with regard to criticism of apartheid. with authors like Lesley Beake, Dianne Case and Lawrence Bransby taking the lead.
As a result of the small local market, few original books with full colour illustrations are published. Collaboration with overseas publishers and the simultaneous publication in various indigenous languages is often the only way to make a publication viable. Also, publishers of children’s books concentrate on the publishing series, beginner and second language readers.
The change in government in the country and the elevation of the African languages to official status, one should have expected would have led to the development of children’s literature in the African languages, but for several reasons this has not yet occurred. The rise of African consciousness and nationalism in the battle against apartheid has rather led to the identification of English as the language for education and freedom. For many African children prefer to read in English, and many African authors prefer to write in this language. Also only a small minority amongst African children read for recreation. Some publishers nevertheless try to publish children’s books of a high quality in African languages, but due to a shortage of indigenous writers most books are translations from English or Afrikaans.
This suggests the problem of language as another factor hindering the rapid development of children’s literature in Africa. The language problem posed by writers being forced to write in foreign languages which they have not really mastered raises the issue of writers being trained to write in their indigenous languages. But then this creates yet another problem as some of the authors of books written in African languages cannot distinguish between concepts for adults and concepts outside the experience of children. Similarly they use an off-putting adult language.

There is also an imbalanced attention to the various ages of childhood. For far more books are being written for the middle-aged (8-12) while very young children remain largely neglected. Very few books for adolescents have been written. One is Angi Ossai’s Tolulope (1979). Another is Joined by Love by Joy Ikede. The Kenyan Asenath Odaga’s work Jande’s Ambition is about choice of career which should be a prime concern at that age. Macmillan’s Pacesetter Series also appeals to young adults but their works are said to be of varying quality, featuring crime, espionage and love tangles.

There is in addition the chronic absence of children’s magazines in most parts of Africa. In Sierra Leone the attempt by The Sierra Leone Writers and Illustrators to establish one did not survive its second issue. But the invaluable role they could play in inculcating the reading habit in the child because of their wide variety of subjects, the form of presentation and the fact that children love to read what their peers have written and thus start having similar creative impulses is recognized.

Most parts of Africa are not book-friendly for there are few if any bookshops where the African child can buy books. Neither is his access to libraries especially so in rural areas easy. School libraries are a phenomenon of a distant past. Where public libraries are still available and functioning their children’s sections are poorly housed, poorly furnished, poorly ventilated, poorly equipped, poorly staffed and poorly sited. There is therefore an obvious need for thorough overhauling of library services in Africa. And efforts should be made to make it an essential public service from the central on to local government levels so as to give every community the opportunity of accessing and growing on books. Similarly every school should have a library that is well stocked and well-equipped.

The distribution of books is another area of difficulties. For this is usually left to private enterprise although some governments purchase textbooks in bulk to distribute to schools. Wholesale bookselling is best handled by private entrepreneurs trained in the discipline. But the main problem hindering this is that the book distributors tend to restrict themselves to using distribution methods more suited to countries with a high level of literacy where the wider citizenry is already converted to books. In Africa, publishers and book distributors cannot afford to wait for buyers to come to them. They must rather take their products to the people wherever they are. In Tanzania, therefore, enterprising publishers take books to the local markets. There shoppers mingle with books and enjoy lively discussions with the publishers on all aspects of books. The huge sales at these exhibitions have proved the usefulness of such innovative activities. This kind of promotion will no doubt create in adults an awareness of the need for literature.

Efforts made to promote and sell books in the West could be extended with adaptations, if necessary, to intra-African book distribution so that print runs will be longer for the prohibitive costs of books to be brought down. Why cannot children in Nairobi, for instance, read literature published by an indigenous publisher in Nigeria? Much is lost through the compartmentalization of African children’s literature. In 1976 an attempt to sell African books from all parts of the continent at the Second Pan African Trade Fair in Algiers collapsed when 4,000 such books had to be brought back because the Algerian government’s imposition of a 120% tax on the books had made them too expensive. Such tariffs need to be removed with communication and transport systems improved to facilitate trans-African movement of books.

The situation however seems poised for major changes with the intervention of a series of bodies and institutions thus complementing the efforts of others such as UNESCO that had been working assiduously in the field. There is a wide network of organizations geared towards supporting the growth of publishing in Africa. One of them is APNET which network exists to help strengthen book publishing by Africans in Africa. APNET has been working closely with the Association for the Development of Education in Africa (ADEA) and has been supported by Bellagio. The Bellagio Group of donors has been exploring ways of improving support for a number of cultural industries, which it is hoped will eventually include African books for African children as there is now recognition among policy makers that culture of which books are an integral part is much of a key to development.

Book Fairs in Africa have been fastly becoming established institutions with a concerted series of initiatives to redressing the otherwise parlous state of books in Africa. The Pan African Children’s Book Fair (PACBF) started in Nairobi, Kenya in 1991 through the initiative of the Foundation for the Promotion of Children’s Science Publications in Africa (GHISCI). The fair has been trying to stimulate a learning environment that captures and nurtures the African child’s inherent qualities of imagination, curiosity and creativity. It has created a dynamic atmosphere to enhance the preciousness of books in the learning life of the child. Through a variety of activities such as art, toys, fun with science, debates, quizzes, creative writing, story-telling, and reading aloud, Kenyan children have come to love and comfortably identify with this event with increasing numbers thronging it every year. In 1994 a children’s library introduced within the fair further whet the children’s appetite by enabling children who could not buy books to have the opportunity to read a couple of books at the fair. Since 1994 the Reading Tent has been a major attraction to all children visiting the fair. This has resulted in other African book fairs widely emulating this innovation. Exhibitors also have been steadily improving their marketing skills thus reaching out to the children in more proactive ways, engaging them into books with new titles introduced. The 1998 PACBK had a spectacular advance with each stand becoming a mini library. Yet another innovation – A Children’s Home Library Campaign – was launched with children responding with tremendous enthusiasm, buying books and promising to start their own home libraries.

The Zimbabwe International Book Fair has been another important stimulant for the development of the book industry in Africa.The1998 fair was of especial significance because its theme and that of the accompanying Indaba was ‘BOOKS AND CHILDREN’
At the sessions of the inaugural Indaba it was emphasized that up to the 1990′s book production for children has been weak if not non-existent in some countries. But since 1987 spectacular growth in children’s publishing, in both European and African languages have been reported. In Kenya, Uganda and Nigeria production has notably increased in the last ten to twenty years. Print runs have also increased significantly averaging 3,000 to 5,000 copies per title with possibilities of frequent reprinting.

This progress has been attributed to the following:

1. The creativity of African publishers enabling them to produce well-made children’s books in terms of content, production quality and price.

2. Continuing increases in state purchases of books for schools and libraries.

3. Appreciable support being provided to publishing and book acquisitions by development agencies, international organizations and N.GO’S.

4. Noticeable increases in sales resulting from efforts publishers are making to promote their books nationally and internationally.

5. Co-operation between publishers and distributors enabling the development of export sales.
But in spite of this difficulties still remain or have been created in the following areas:

1 Wide differences between countries. The situation in South Africa, Nigeria, Zimbabwe, Kenya and Tanzania is very much better than in other countries in their regions. In francophone West Africa, Ivory Coast, Senegal, Mali and Togo stand out clearly.

2 Difficulties in finding good authors and illustrators still persist.
3 Readership is not sufficiently developed, given the level of illiteracy and the lack of a reading culture or habit.

4 Even where a readership exists, its purchasing power is limited. For books is not as high a basic priority as basic needs.

5 The library network is not developed, especially in the rural areas.

6 The distribution network is not developed.

7 The intense political situation in Zimbabwe has negatively affected the most favorable climate created there for the growth of books not only there but the whole of Africa and has robbed The Zimbabwe International Book Fair of its international flavour.

Arthur Edgar E. Smith was born, grew up and was schooled in Freetown, Sierra Leone.. He has taught English since 1977 at Prince of Wales School and, Milton Margai College of Education. He is now at Fourah Bay Collegewhere he has been lecturing English, Literature, as well as Creative Writing for the past seven years rising to the rank of Senior Lecturer.

Mr Smith is widely published both locally as well as internationally with his writings appearing in local newspapers as well as in West Africa Magazine, Index on Censorship,Focus on Library and Information Work amongst others .

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Your Past Becomes Your Present

Jul 02 2023 Published by admin under Uncategorized

Personal characteristics begin at an early age and become embedded as you grow. There are many instances where what you do as a younger person will be back to either haunt or benefit your present. How you treat people, how you are perceived as being, or how you actually demonstrate or verbally act out may very well be back for you to deal with and re-think in your future.

What will you do when you walk in to your interview, you know the one you’ve been wanting for weeks, and the person sitting behind the desk is someone you knew back in High School? How did you treat that person then? It’s been a long time, do you think they remember you? Is this going to affect your interview positively or negatively?

As a High School Junior I became part of the Work Program at school. This is where you worked throughout the summer between your Junior and Senior school year and then went to school part-time and worked the rest of the school day. I was lucky enough to get a job as a Receptionist at a Law Office near my home. Everyone was so old and stuffy and it was difficult to fit in. I was lucky enough to be taught that you do not quit before you try every way you can to succeed. My self discipline kept me going back to work every day.

I eventually felt like I fit in and never missed a day of work during the summer. I did, however, take my one hour lunch and get to the beach where all my friends were, sit there and make it back to the office. I was a seventeen year old until I stepped into the office. I disciplined myself to do my best and make it work. My relationships with the lawyers and staff became strong and I was asked to stay on when I graduated.

Shortly after I graduated, though, I found another job and stepped away from that law office. I acquired beneficial personal skills and characteristics that eventually, and not knowing at that time, would get me through more than a job. Perseverance was the most valuable of these characteristics. I married, had two children, and was diagnosed, at age 24, with Multiple Sclerosis. As a determined person I decided that I had MS but it did not have me. I went back to college and after six years graduated with a BA in Marketing and Public Relations.

This was the scariest part of persevering through the ups and down of having MS. I was now walking with a cane. I was sure I was going to be labeled as defective every time I walked in for an interview. I was always asked back for a second interview but quickly realized that was to protect the business. I went on an interview at a downtown professional legal association and when I entered the elevator to get to the correct floor, I encountered my first blast from the past. The name-sake lawyer, one who the firm in my past was named after, was in the elevator. We immediately recognized each other, asked the appropriate questions for our quick reunion, and waited for the correct floor. To my surprise we both got off on the same floor and walked in to the same office. The lawyer was greeted by name and I sat down ready for my interview. I asked the Receptionist if the lawyer worked there and she responded, “Mr. Smith is the President of this association”. I interviewed and was offered the job. Did I do a better job of interviewing, was the job and I a great match, or did my brief encounter with my past benefit me?

I worked for the legal association for nine years. Each summer there was a legal convention that I attended in my professional capacity. Each year I was greatly surprised by the individual lawyers who came up to me because they recognized me from 15+ years ago. I would ask myself, “What if I didn’t do a good job when I was seventeen and the lawyers and staff couldn’t wait until my school year was finished? What If they saw me now and avoided me so they did not have to pretend it was nice to see me? Many of them were now Judges and I called them by their first name, instead of Judge Smith, it was okay with them.

My last contact with someone from that neighborhood law office was when I needed some legal advice to resolve an issue I became involved in. I did not know where to turn. I looked in the local phone book and, to my surprise, found a lawyer I had worked with back then. I called him up and when I said my name he instantly remembered me and told me to come to his courtroom. I did not know he was recently voted in as a Judge. When I entered his courtroom he recessed the trial and called me back to his Chambers. He and I happened to have the best relationship when I was seventeen and he did everything in his power to help me now.

When we are young many of us do not think about our future. You are concerned with what is in the present and what is happening on the weekend. Without knowing how important it was my self discipline and perseverance gave me a reputation for life with those I worked with. I often think how different these situations would have been if I left a bad impression of myself at that neighborhood law office. I am glad I do not ever need to know.

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Cheap Mortgage Loans Present More Problems for Market

Jul 02 2023 Published by admin under Uncategorized

With the real estate market in a real funk, there have been many short term solutions attempted by lenders to gain more business. In short, banks are tightening up their standards and are having trouble finding lenders to take on the high payments associated with top notch interest rates. What has their solution of choice been? They want to entice people to get a mortgage loan with a significantly lower payment. Though this might sound like a good solution on the surface, it has created problems for borrowers and the entire market. Cheap mortgage loan offers are hurting people financially for the long term and they don’t even realize it.

What are these cheap mortgage loans that have become so popular? They are presented in nice names that make people believe that they are getting a deal. If you ever hear any lender discussing an “interest only” loan or a loan with no down payment, then you can bet that something is up. There are a number of different names given to these mortgage loans and each one has its own ups and downs. You can bet that the ups are the aspects of the loans that are being presented to potential borrowers at the onset of the process.

The problem with these loans is that they get people no closer to owning a home as they would be if they were renting a home. Unlike with renting, they have a huge loan on their back, though. That huge loan is just sitting there and all the person is paying is the interest. It might sound good on the surface by decreasing the payment substantially, but it weakens a person’s long term financial prospectus a great deal. The only person who benefits from such a deal is the banker.

With these mortgage loans, a person can put themselves in significant danger and at great risk. What happens if you lose your job or something unexpected happens? Then, you are saddled with a loan that is too big for your bank account. In this case, foreclosure is eminent and your family will be left without a home. Beyond that, your credit will be wrecked to a point where it is nearly beyond repair. All of this is done while you aren’t even earning a bit of equity on the home.

That is another problem with cheap mortgage loans like the interest only loan. A person ends up missing out on the inherent benefits of accrued equity in the home. Since the value of your home is also certainly going to increase over time, it makes plenty of sense to put your money into it. After all, this is basically a can’t miss investment. With a bit of equity built into the home, you also have a personal insurance policy should something terrible happen. You could always borrow money against your equity to pay off a large bill or make another investment.

Other types of dangerous loans are longer term loans. These are gimmick mortgage loans which allow the home buyer to stretch his or her term over 40 or 50 years instead of the standard 30 year term. This makes the payment somewhat more affordable, but it costs a ton in interest payments. When you make a half century commitment, you are really just committing to paying a ton of interest to the bank. It makes no sense to put yourself in that situation, especially with the amount of uncertainty in today’s world. Most home buyers don’t know what they are doing tomorrow, much less 50 years down the road.

How do these things impact the market on the whole? It simply weakens the borrowing base. When that happens, just about everyone suffers. People looking to sell their homes are left out to dry because there aren’t enough worthy buyers. Home builders hurt because people can’t afford the inflated interest rates. The market will ultimately suffer when these people can no longer afford to keep up their cheap mortgage loans. When that happens, banks and lenders lose their profits, interest rates begin to rise, and the entire system collapses upon itself. Though there are checks and balances in place to avoid a complete collapse, the slight loss of market productivity has long term negative consequences.

Smart borrowers will stick to the standard mortgage loans and leave the gimmicks at home. There is nothing good about paying a ton of interest to the bank when that money could be put to a much better use. Instead of sacrificing your long term financial foundation for smaller payments, try to think about your situation with a broader scope. Securing a mortgage loan is part of securing your future. Don’t waste it by falling for cheap offers.

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