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marina

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Everything posted by marina

  1. Understanding personality types has helped me have more empathy for myself and others so I find learning as much as I can about all the different personality tools very helpful and valuable :-)
  2. That's a brave and awesome thing you did Joel.. 9 out of 10 people would have ignored it but you didn't.. you're a real human being! Awake & unafraid to stand up for the innocent! Thank you!
  3. I regularly watch a very funny, informative podcast posted by some industry leaders in the mortgage and real estate industry and I just had to share today's 5 minute video! The topic is unfortunate (govt regulation always is), but presented in a hilariously funny way in a very short 5 minute video. (Link below) Basically, the CFPB (Consumer Financial Protection Bureau) was created 4 years ago and is outside Congressional oversight because it is officially under the Federal Reserve. (..a whole different topic there.. but I'll keep this post more focused) So... an official report issued by the very same Federal Reserve actually states that their very own CFPB (the extra burden of complying with all the new regulation) has been responsible for holding down loan origination (driving down lending) and being the 'stick in the spokes of the industry!' WOW, thanks for the honesty FED (for once!) The new burden of compliance is estimated to have increased real estate closing costs by about 6% overall.. so the real cost to the average Joe buying a piece of real estate with a mortgage is actually 6% more (not due to inflation, just actual increase in costs) Thank you government regulation!!! (rolling eyes while shaking head) Here's the video.. highly suggest watching it for the comedy alone! http://thenationalrealestatepost.com/the-cfpb-is-the-new-herpes/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+TheNationalRealEstatePost+%28The+National+Real+Estate+Post%29
  4. AWESOME!!! Thanks for posting.. I re-posted on my facebook page :-D
  5. LOL.. ok, well.... my initial gut reaction was.. to shake my head and think.. WTF?!? Really? Separate entrances solely based on the economic status of the people? How elitist can NYC get? LOL But... after reading more and doing a bit more research, I see how the developer's hand is forced by the housing board in this and how the overall market is so manipulated that it's really not a true reflection of a free market.. though accepting the current corrupted reality, I guess the resulting condo purchases would be 'free market' based since nobody is forced to buy in a building they don't want to live in.. so... it makes sense to me.. it's just that this wouldn't even exist in a truly free market without overarching government/FED manipulation.
  6. Ok, wasn't using the word 'segregation' as any sort of shaming tactic or any other way except as a way of explaining the current situation of separating the rich condo owners from the 'affordable' condo owners.. didn't mean for everyone to latch on to it so much.. was simply denoting the current reality.. 'class separation' better? I was really just looking for people's views, because I am genuinely interested in what everyone on here thinks... I wasn't taking a side really.. just trying to work through it. Thanks for everyone's reply's :-)
  7. thanks everybody for your thoughts.. and just a side note.. any specific language I use may certainly be flawed.. I'm still processing this topic myself and trying to figure out where I personally stand, though I'm certainly aware this particular 'problem' is just a symptom of a greater issue...
  8. Yeah, I'll admit I'm torn on this one.. I feel the initial gut reaction most people do when I hear about this segregation, but then my rational brain tells me to pause and consider all angles. So on one hand, this is all created precisely due to the forced government policies mandating 'affordable units' in the first place, but on the other hand... aren't we just submitting to the oppressive hand of the state and adding to the dysfunction by creating 'work arounds' that simply erase the issue on both ends? What I mean is, that on one hand, the developer is adjusting to the demands of the state by creating a compromise that will sort of please both sides.. the rich not having to see the 'mandated' poor among them.. while on the other hand, clearly demonstrating how fed policies create inflation and cause prices to rise to a degree that effects the rich much less than the poor. Basically helping create this level of economic disparity. So for someone with an abundance of wealth, it's much less painful to pay for excess, since they usually benefit from the true value of money first, while by the time it 'trickles down' to the common man.. inflation has taken a deeper hold of the overall economy and that same dollar is literally worth less than it was worth just a year ago in the hands of the rich person. Therefore the rich person got to use it first and capture the poorer person's equity. So to the super rich, it's much less painful to spend a million dollars on a condo than it would be to spend a million on a similar condo a year or two later for someone of more modest means. Inflation erodes purchasing power for the middle class and below in a much more significant way and creates ever greater inequality. This domino effect is on going and actually creates the need to 'mandate' affordable housing since what they're really saying is just 'let the poorer people' have a chance in living in the city .. because if it wasn't for this mandate, the rich would simply take the whole thing over.. (and then who would wash the dishes or watch the kids of all the super rich?)
  9. Being in real estate, I'm always reading industry news and I came across an article that really stood out to me and after researching more.. it turns out this isn't a novel idea. Apparently this is a growing trend in big cities like London and NYC. With prices in large cities climbing higher and higher, new housing developments are being required to include a certain percentage of 'affordable housing' options in order to get final 'planning permission.' So these upscale developers are addressing this 'problem' by adding 'alternative' side entrances for the building's lower-income residents. Often, it's not just a side alley entrance for 'poor people' but entirely separate common elements like mailboxes, garbage disposal facilities, and staircases. So this literally creates a separation of the 'affordable' housing condos from the rest of the luxury development.. so the rich people never have to accidentally run into the 'lower class' condo owners while living in the same building. My initial reaction was that this is pretty crazy and I couldn't believe these 'poor doors' were being approved by the housing authorities in these cities, but then those same authorities were the ones mandating these 'affordable' units before approving the whole project in the first place! I get that they want a diverse mix of residents in very expensive cities but this is just an example of how screwed up the Fed's inflation policies are... the rich spend their money like it's water because otherwise that money looses value through inflation, so they don't care about paying more and more for the condo units, but how do we, as a general society deal with this new 'class segregation?' Here's the article about the new condo building in NYC: http://www.newsweek.com/new-york-city-approves-poor-door-luxury-apartment-building-260218
  10. WOW!!! Madness is now the new normal in police departments across this country! This is so crazy I have no words.. I REALLY hope people show their outrage now that this has come out in the media. I'm going to share this madness on my facebook wall and ask that everyone I know do the same so that maybe overwhelming public outrage helps this boy by making the case too high profile for the police department to pursue further. We 'the people' need to shame the police into dropping this case! We should also all be familiar with a concept called 'jury nullification' which is this boy's only hope if this actually goes to trial.
  11. Wow.. that resonates with me a lot... I constantly feel like I have to censor myself.. Not with everyone or all the time.. but definitely 80% of the time.. & the other 20% of the time I 'agree to disagree' with people.. which isn't very satisfying either.. I'm not sure where to go from here, but I feel myself withdrawing from all the 'zombies' of the world.. which leads me to look anti-social. And considering how 'extra social' I was just a few months ago (and for the last 10/15 years) I'm not really sure how to deal with that.. and how to balance it..
  12. Ahahaha... Jonny...that literally made me laugh out loud!!! :-D LOL..on a slightly serious note..I like Sprouting Change or Rawganic & Vitalize best I think.. :-P After some thought.. I LOVE VITALIZE!!! ..it's simple and meaningful
  13. I'm a real estate agent which means I'm an independent contractor. I work for myself but within a larger brokerage. I certainly consider myself entrepreneurial because if I don't create business I don't get paid a salary & I've been supporting myself full time this way for almost 8 years.. I only get paid a commission for producing results. So I'd definitely love to join in and meet everyone else. :-)
  14. I was born in Kiev (while it was all still USSR so 'technically' Russia) and I speak Russian (and can read & write) but English has now become my first language since I've been in the U.S. since 1989. I dont think I have the vocabulary to discuss these complex topics/ideas in Russian but I imagine it'd be helpful for me to try since I'm eventually going to have to discuss my new way of life & way of thinking with my family. Anyway... just thought I'd pop in and say hi :-)
  15. I think that's AWESOME!!! I'll have to give the name some thought but the business idea ROCKS!!! There are juicing places popping up throughout the country and I have one near me I frequently go to especially when I'm being lazy and don't juice my own veggies at home. I only have a centrifugal juicer and sometimes borrow my neighbor's masticating juicer but my juices are never as good as the ones I get from this place called Fruitive near me. I think it is important that people are educated and understand the difference between raw/unpasteurized organic juice and all the other crap masquerading as 'healthy juice' out in the marketplace.
  16. Yeah... Porn is fine but in a close relationship, it is something you should be able to watch together or she should at least be aware of it (no secrets) and if she became very upset about it.. then you must discuss it. What upset her? The type of porn (content) or simply finding out you watched it? Examine yourself and figure out what exactly turns you on.. maybe your sex life needs improvement and this isan opportunity to figure that out..for both of you!
  17. Wow...that's so sad.. and even sadder after looking at your smiling face at that age and knowing the fear he instilled in you for his own sadistic reasons... his power trip! I'm very sorry that happened to you. It's clear he was trying to establish dominance over you in a very cold and calculated way early on...so that you grew up fearing him! Fucking asshole!!! I'm sorry.. there's no other way to say it.. he didn't 'snap' on the spot.. he set you up.. which is sooooo much more sadistic!!! You are 100% correct and you have every right to hate him and feel unconnected to either of your parents because your mom brought him into your life and he clearly 'ruled over you' like some sort of evil overlord. Don't let his intimidation of you as a child rule your life now. Confront him and your mom for the abuse you suffered that has left such a deep mental scar for you and if they don't sincerely apologize, deFOO from them both! Make your stand and stick to it. Don't let them diminish your experience by dismissing it as only happeneing once or a few times! It was enough to leave a scar on your personality that is as fresh today as it was then. You are entitled to have whatever feelings you have about the situation and don't ever let anyone dismiss them as unimportant or tell you that you're 'dwelling' on the past..because it's precisely because of the past that you are still 'dwelling' and feeling held back by it. He and your mom need to know that you are still experiencing that fresh scar tissue ...years later! It's the same as if you had a physical wound that hadn't ever healed! It would certainly still hurt and nobody would tell you to 'just forget' about it!
  18. This is great! Thanks for all the links.
  19. I'm all for avoiding as many 'statist hurdles' as possible but income tax can be greatly reduced by being properly structured as a 1099 - Independent contractor for tax filing purposes... or getting paid with bitcoin, or any other alternative currency (including bartering) High gas prices are also mitigated by the ability to itemize deductions and deducting gas on your taxes. Plus... I'd imagine people that are moving there to be part of the project will not need to drive as much since they'll probably live near each other.. home-school.. and grow a lot of their own food.. reducing a lot of the need for gas that way. (not to mention possibly using bio-diesel, etc..) But I hear you overall... the less statist structures the better.. though 'making it work' in a populated 'desirable' area (rather than some remote part of the country where less people actually want to live) is really important to attracting more people, faster! :-D
  20. Ahh..yes.. you are correct :-P How could I have missed it before..?
  21. (Quoting on my phone is clearly problematic) :-)Anyway...I simply responded to your own description of yourself as 'foul-tempered & mean spirited' ...& from my life experience.. I've come to the conclusion that those types of self descriptions are typically a 'mask' people hide behind.. that's all.. My apologies if that's not what came across.. communication is always a tricky thing..
  22. LOL... archivist? :-D ...that would be cool too but I'm guessing you meant anarchist? :-P
  23. LOL... I assume you are joking but it sounds like you would probably have D (dominant) or C (cautious) tendencies because those two types tend to be more blunt than the other two.. and it's not even that simple.. because there's a combination of traits that make up your specific and unique 'type' ...but I will also guess that you have yet to find balance in the sense that...your self deprecating humor is a 'mask of strength' hiding some insecurities and attempting to seem like the 'joker/class clown' instead of being humble & accepting your already existing internal confidence with honesty & integrity toward having it...accepting that you do have that confidence you seem to hide w bold humor. ...& I also accept I could be completely wrong here.. so I will humbly wait to hear your thoughts... :-)
  24. I knew it Kyle! LOL I'm a good matchmaker :-D And you won't have too much trouble finding her.. we're like 30% of the female population! ENFP's are plentiful among the population.. the key is to find an enlightened one who is well balanced & self aware. Stay clear of any ENFP that seems like a 'hot mess' LOL and careful with ENTJ's because you'll be really drawn to them but they may be too much into 'external sensory' exploration than you truly want for the long term. They can be restless and constantly want to go out, so just make sure you really evaluate each person objectively. On a general note.. all the different personality types are simply guideposts. Two people who both score to be an ENFP are not the same.. Their life experiences continue to shape their conscious mind and add knowledge and experiences to their subconscious mind for faster/better decision making and processing in the future. Therefore the personality styles reflect much more of the overarching subconscious preferences and communication styles...rather than predicting the details of a human's personality or predicting specific behaviors. Each personality style can be 'in control' or 'out of control' and maturity and self awareness are key to balance. Understanding personality styles helps with effective communication and general human interaction. For example.. I sell residential real estate so I'm always meeting different personalities and have to be able to work with all of them. If I meet someone and can easily assess their 'type' .. I can make the whole transaction much more pleasant for all parties involved. (and I am much more familiar with the DISC profiling system so I normally use that to assess people in my head) Here's an example: Say I come over to list your house for sale and we are meeting for the first time. It benefits me to try and assess your 'type' (at least roughly) so we can both have a much more pleasant interaction. Lets say I can immediately tell that you're an analytically oriented type of person. Maybe you're an accountant and have a spread sheet for everything you do in life. You keep all your old computer parts 'just in case' you might need them, along with every warranty for every appliance you've ever bought.. which are neatly organized in a folder for easy reference. Your shoes are perfectly lined up in the closet and everything is color coded and categorized just so... :-D After a few minutes of casual conversation and observation, we sit down to discuss my suggested list price, marketing, etc... Recognizing that you value details, I know that I will need to take my time and thoroughly go over all the detailed ways I'll market your home, the numbers I crunched to come with the suggested list price, etc... This will not be a short appointment because I must first build trust with you and show that I have a specific methodology for everything. So the details are the solid foundation that trust grows on for this client. If I just took charge and 'got to the point' with this client...there would be no trust and I would come across arrogant or flighty to the client...precisely because I didn't take the time to build trust by 'showing my work.' On the other hand... say I go meet with Donald Trump (for an easy example) ...how much will he respect me and see me as 'an authority' on a topic if I spend an hour showing him every intricate detail of each type of marketing I do and the statistics of why it's effective and the spread sheet of how I came up with the price of the property, etc...? He won't be impressed.. I guarantee his eyes will be glazing over after 15 minutes of boring spread sheet talk and he'll cut me off and tell me to 'get to the point' because he wouldn't have taken the meeting had he been concerned with examining my statistics. He is a decisive leader and decision maker and just wants the fast, bottom line. So I know that appointment needs to be short and to the point because his temperament is fast and decisive. It's my job to understand all of this and communicate very differently with each client. If I communicate with people the way THEY want to be communicated with.. the way that information best 'sinks in' for them... my relationships are going to be stronger, more fulfilling and generally contain less or no conflict. And when both parties are skilled at understanding these important nuances.. then a lot of relationship friction is avoided because you both understand what the other 'needs' or at least the way they prefer to be communicated with. (admittedly these examples are very simplified but hopefully you guys get my point) hahaha.. Jonny.. you're funny :-D ...give us girls a chance to catch up... I'm certainly doing my part to spread the message! I've introduced like 4 of my close girlfriends to Stef and they are all blown away.. ..though it has only been a few weeks so they have not decided to join this community quite yet :-P
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