Not Good News: More Foreclosures in USA
U.S. home foreclosures set another record in July
Thu Aug 13, 2009 12:11am Reuters
By Lynn Adler
NEW YORK (Reuters) – U.S. home loans failed at a record pace in July despite ongoing federal and state programs to avoid foreclosures, which have severely strained housing and the economy.
Foreclosure activity jumped 7 percent in July from June and 32 percent from a year earlier as one in every 355 households with a loan got a foreclosure filing, RealtyTrac said on Thursday.
Filings — including notices of default, auction and bank repossession — have escalated with unemployment.
“July marks the third time in the last five months where we’ve seen a new record set for foreclosure activity,” James J. Saccacio, RealtyTrac’s chief executive, said in a statement.
“Despite continued efforts by the federal government and state governments to patch together a safety net for distressed homeowners, we’re seeing significant growth in both the initial notices of default and in the bank repossessions.”
More than 360,000 households with loans drew a foreclosure filing in July, a record dating back to January 2005, when RealtyTrac started tracking monthly activity.
Notices of default, auction or repossession have reached nearly 2.3 million in the first seven months of the year — with more than half a million bank repossessions, the Irvine, California-based company said.
Making timely payments keeps getting more harder for borrowers who have lost their jobs or seen their wages cut.
The unemployment rate is 9.4 percent and President Barack Obama has said he expects it will hit 10 percent.
Obama’s housing rescue is gaining traction in altering terms of loans for struggling borrowers, but slowly.
Earlier this month the U.S. Treasury Department detailed the progress of the top servicers in modifying loans and prodded them to step up efforts to stem foreclosures.
SUN BELT STILL SUFFERING
States where sales and prices surged most in the five-year housing boom early this decade remain hardest hit.
California, Florida, Arizona, Nevada accounted for almost 57 percent of total U.S. foreclosure activity in July.
Illinois had the fifth-highest total filings, spiking nearly 35 percent from June, in an example of how moratoriums often delay rather than cure an inevitable loan failure.
Default notices spiked by 86 percent in July, from artificially low levels the prior two months. A state law enacted on April 5 gave delinquent borrowers up to 90 extra days before foreclosure started, RealtyTrac said.
Michigan’s foreclosure activity fell 39 percent in July from June, mostly due to a 66 percent drop in scheduled auctions. A state law that took effect July 6 freezes foreclosure proceedings an extra 90 days for homeowners who commit to work on a loan modification plan.
Other states with the highest foreclosure filing totals last month included Texas, Georgia, Ohio and New Jersey.
Nevada had the highest state foreclosure rate for the 31st straight month, with one in every 56 properties getting a filing, or more than six times the national average.
Initial notices of default fell 18 percent in the month, with a new Nevada law taking effect on July 1 requiring lenders to offer mediation to homeowners facing foreclosure. Scheduled auctions and bank repossessions each jumped more than 20 percent, however, boosting overall foreclosure activity in the state by 4 percent from June.
California, Arizona, Florida, Utah, Idaho, Georgia, Illinois, Colorado and Oregon were the other states with the highest foreclosure rates.
(Editing by Kenneth Barry)
Things are turning around in the USA, but these foreclosures were already in the pipeline, and more are coming due principally to people borrowing more money than they could really afford, and people who have lost jobs and can no longer pay their mortgage.
Now I am going to sound like your MOTHER: Do not take an adjustable rate mortgage. Fix your credit, get a good score, and take the very best 15 or 30 year FIXED mortgage you can get, and before you buy, make sure that you figure taxes and insurance as well as the monthly mortgage and interest when figuring your monthly payment. Make sure you can still eat, and have a little left over for emergency car repairs. It is so much better to live in a house that you can afford than to lose everything you have invested in a house you can’t afford.
If you get into trouble, talk to your lender right away. Lenders do not want to foreclose; it is in their interest as well as your own to find a way to allow you to reduce payments for a while to keep the relationship on track. There is some flexibility. Negotiate.
Vietnamese Salad Rolls (Woo HOO on ME!)
OK. They may not look like much to you, but these are my very first Vietnamese Salad Rolls, one of my favorite eats in the whole world.
And I am giving myself a BIG WOOO HOO for doing them.
You all think I am much braver and more experimental than I really am. I have loved these for probably 15 years, but on my own I could never figure out how to make them, and I really didn’t want to try. I told myself I couldn’t get all the ingredients, anyway.
“Oh yes!” said my French friend, mistress of the kitchen, nothing she couldn’t do, and she invited us for dinner and the first course was Vietnamese Salad Rolls, made in her own kitchen. “They have the rice wrappers at all the Phillipino stores in Kuwait.”
Who knew? My French friend knew ALL these little secrets.
She carefully explained how to make them, but my mind shut down when she said “There is one part that is a little tricky – the rice wrapper has to soak for ONE SECOND in a pan of hot water, but only one second!” To me, that sounded very scary and daunting.
Then she gave me two packages of the wrappers.
I took them out now and then and read the instructions and put them back in the cupboard. I even shipped them from Kuwait to Doha with me. I read detailed instructions on the internet. I printed some out.
Yesterday, I found more wrappers at the MegaMart and bought two packages and now, with plenty of back up and with an unanticipated energy and hopefulness, I thought “why not give it a try tonight?”
The secret to making these is to have everything ready in advance – a bowl of cooked shrimp, sliced in half down the spine (so both halves look like a shrimp), a bowl of basil leaves, a bowl of mint leaves, a bowl of chopped parsley, a bowl of thinly sliced lettuce, a bowl of julienned carrots, a package of the rice wrappers, the cooked vermicelli in a strainer (it stays flexible because these go together fairly fast) and a flat round pan of hot water to soften the rice wrappers.
Once you have the ingredients assembled, the assembly – which for some reason was the part that daunted me – goes fairly easily and rapidly. If you soak the thin, brittle wrapper for exactly one and a half seconds, and lay it on a cutting board, it becomes very flexible and exactly the right texture. I started 3 inches from the top with the shrimp, then lay the rest of the ingredients in a row vertically, but almost on top of each other. Then I pulled the bottom up over the ingredients and tucked it in – not too tightly, but very snugly, folded in the sides, then wrapped the top over the already-rolled up section, and wow – a salad roll!
Vietnamese Salad Rolls
INGREDIENTS
• 2 ounces rice vermicelli
• 8 rice wrappers (8.5 inch diameter)
• 8 large cooked shrimp – peeled, deveined and cut in half
• 1 1/3 tablespoons chopped fresh Thai basil
• 3 tablespoons chopped fresh mint leaves
• 3 tablespoons chopped fresh cilantro
• 2 leaves lettuce, chopped
•
• 4 teaspoons fish sauce
• 1/4 cup water
• 2 tablespoons fresh lime juice
• 1 clove garlic, minced
• 2 tablespoons white sugar
• 1/2 teaspoon garlic chili sauce
• 3 tablespoons hoisin sauce
• 1 teaspoon finely chopped peanuts
DIRECTIONS
1. Bring a medium saucepan of water to boil. Boil rice vermicelli 3 to 5 minutes, or until al dente, and drain.
2. Fill a large bowl with warm water. Dip one wrapper into the hot water for 1 second to soften. Lay wrapper flat. In a row across the center, place 2 shrimp halves, a handful of vermicelli, basil, mint, cilantro and lettuce, leaving about 2 inches uncovered on each side. Fold uncovered sides inward, then tightly roll the wrapper, beginning at the end with the lettuce. Repeat with remaining ingredients.
3. In a small bowl, mix the fish sauce, water, lime juice, garlic, sugar and chili sauce.
4. In another small bowl, mix the hoisin sauce and peanuts.
5. Serve rolled spring rolls with the fish sauce and hoisin sauce mixtures.
FOOTNOTE
• The fish sauce, rice vermicelli, chili garlic sauce, hoisin sauce and rice wrappers can be found at Asian food markets.
These are so fresh-tasting and light, perfect for a hot summer evening, perfect for a special Ramadan breaking-the-fast appetizer. Once the rolls are made, seal them on a plate under a couple layers of saran-type wrap to keep the wrappers from drying out. You can make them a couple hours in advance and wrap them good and store them in the refrigerator; they keep well for a couple hours. Don’t make more than you can eat the same day; they don’t keep well overnight.
The recipe above uses a different sauce than we use. The Vietnamese in France use this sauce, which is more of a vinaigrette, but the Vietnamese in Seattle and in St. Petersburg, Florida, use a peanut sauce:
1/2 cup peanut butter
2 Tbs Thai sweet chili sauce (sometimes called chili pepper sauce for chicken) it is that thick, sticky sweet orange-y red sauce with pepper flakes in it)
2 Tbs soy sauce
2 Tbs rice vinegar
1 Tbs sugar
1 Tsp finely chopped ginger
1 Tbs tahina
Cook one minute in microwave and stir until all the peanut butter is dissolved. Then add liquid – can be water or orange juice or pomegranate juice or chicken broth or sake (!) to thin to a thick salad dressing consistency.
AdventureMan was so amazed and delighted when he came home and saw I had been able to make these all by myself! I am so amazed and delighted that I can do it! Wooo HOOOOOOO! We didn’t eat them as an appetizer; we like them so much, we ate them as the main course, with some finger-food veggies – snow peas and carrots – as side dishes.
New Parking Souq Al Waqif
When I moved to Doha, in 2003, I did a panorama shot of the Doha skyline from the-spit-where-the-Bandar-restaurants-used-to-be. Unfortunately, I wasn’t into digital yet, so all I have is prints from film. In 2003, parking at the airport was free. I was told Doha meant sleepy, and then, it seemed pretty sleepy, even with the Iraqi invasion about to take place.
The Souq al Waqif was off limits to the military, a dark and dangerous place. I don’t believe it was dangerous for the same reasons they thought it was dangerous – the authorities thought that because it was a very traditional shopping area, incidents could happen. The real danger was from the uneven walking areas, with unexpected pits here and there or slick spots, or changes of elevation.
The last night I was recently down at the Souq al Waqif for dinner, I saw a small bus load of people arrive from the military base (the haircuts, duh) and it just made me grin. The Souq al Waqif is still a traditional place – and it is also a place that welcomes tourists, and welcomes expats. I am so thankful it is no longer, evidently, off-limits.
But oh, the parking. They have marked spaces. No, I am not so traditional that I insist on chaotic parking, marked spaces are fine. The marked spaces are fine, that is, when they give drivers enough space to park and to pull out. The new marked spaces at the Souq al Waqif are too small, and the driving lane between them has to weave between the Yukons on the left, the Denalis on the right and the delivery truck in front who just hit the Hummer trying to back out.
I am not exaggerating. Traffic was snarled for a half an hour while the police tried to sort out not one – but two accidents in the time I was trying to find a parking spot. On what felt like the hottest day of the year, you can imagine, it wasn’t even prime time at the Souq al Waqif. I can imagine the nights are a nightmare.
This is what I saw for half an hour while we didn’t move, except for people on the left who kept trying to edge in front of me:
But – where else but at the Souk al Waqif while you are stuck in a parking lot jam will you see a man cross in front of you with a pigeon in a cage?
And while the official temperature may have been 43°C or 44°C, this is what my gauge said:
Whoever designed the parking at Souq al Waqif should have to park there every day until it gets fixed.
Shopping Rush Begins as Ramadan Nears
“What happened??” AdventureMan asks me on the phone from a nearby roundabout. “All of a sudden, it is traffic madness!”
I laughed.
The day before, Saturday, a day off coupled with a dust storm – the roads were empty, I found “rock star parking” at the Souq al Waqif, and breezed around town doing my errands in record time.
“I think it has to do with Ramadan coming,” I said. Ramadan will start on or about August 20, and the beginning of the month is payday for many people. My best guess is that a lot of people are beginning to prepare now.
Sure enough, today’s Peninsula is saying the same thing:
Ramadan shopping rush begins
Web posted at: 8/3/2009 2:54:31
Source ::: THE PENINSULA
People crowd at Souq Waqif for buying provisions and other things yesterday. ABDUL BASIT
DOHA: Despite the spiralling prices of basic commodities as the Ramadan season nears sales in shops selling essential food items are brisk as people prepare for the coming Holy Month, The Peninsula has learnt.
The long strip of shops in Souq Waqif selling spices, pulses and rice were yesterday abuzz with shoppers filling their shopping bags with basic food items in anticipation for the 30-day fasting period.
“Definitely there had been an increase in some food items specially spices and pulses,” said Mohammad Robel, one of the shopkeepers in the traditional souq.
Robel said price increase between 30 to 40 percent was recently witnessed, though he claimed the rise in prices varies from one company supplier to another.
“The company determines the increase in prices but fluctuation in the price rise from one company to another is not that significant,” he maintained.
Cardamom, which is popularly used here as spice for sweet dishes and traditional flavouring for coffee and tea, is currently priced at QR380 per five kilos.
“Previously five kilos of cardamom was QR290,” Robel said.
In the same way price of beans has increased from QR96 to QR115 per five kilos. A 20-kilo sack of staple food Indian basmati rice costs QR150.
Rice, beans, curry, sugar and salt are among the items in great demand these days and prices of these and other items are expected to increase further with just less than three weeks before Ramadan commences.
For those of you who don’t know what Ramadan is, it is the holy month celebrated by Moslems as the time during which the Qu’ran was related to the Prophet Mohammad. The rules are strictly enforced in Qatar – no eating, drinking, smoking or physical contact with the opposite sex from dawn to sunset. There are heavy fines – even prison time – for violators.
Non-Moslem women and men are being reminded to wear modest clothing that does not reveal the shape of your body, to avoid distracting those focused on religious thoughts.
Although a period of fasting, it is also a time of feasting, as the fast is broken when the sun goes down, and every night for the lunar month of Ramadan, special dishes are served, and parties are held. It is a month of religious contemplation, and also a month of religious celebration.
Here is what it says at Islam101:
Ramadan -a month of obligatory daily fasting in Islam is the ninth month in the Islamic lunar calendar. Daily fasts begin at dawn and end with sunset. Special nightly prayers called, Taraweeh prayers are held. The entire Quran is recited in these prayers in Mosques all around the world. This month provides an opportunity for Muslims to get closer to God. This is a month when a Muslim should try to:
See not what displeases Allah
Speak no evil
Hear no evil
Do no evil
Look to Allah with fear and hope
“O you who believe! Fasting is prescribed for you as it was prescribed for those before you, that you may become God-fearing.” (The Quran, 2:183)
The Prophet (peace and blessings be upon him) said: Whoever fasts during Ramadan with faith and seeking his reward from Allah will have his past sins forgiven. Whoever prays during the nights in Ramadan with faith and seeking his reward from Allah will have his past sins forgiven. And he who passes Lailat al-Qadr in prayer with faith and seeking his reward from Allah will have his past sins forgiven (Bukhari, Muslim).
Ramadan ends with a day long celebration known as Eidul-Fitr. Eidul-Fitr begins with a special morning prayer in grand Mosques and open grounds of towns and cities of the world. the prayer is attended by men, women and children with their new or best clothes. A special charity, known as Zakatul-Fitr is given out prior to the prayer. The rest of the day is spent in visiting relatives and friends, giving gifts to children and eating.
Doha Changes Update
Just after I mentioned the closing of the Q-Mart, I was at The Mall (yes, it was the first mall in Doha, and it is called The Mall, even on the maps) and saw this new sign on the place where the opening of the supermarket would be:
Spinney’s is what the place behind the Ramada that is now called The MegaMart used to be called. I would die of happiness if this were a MegaMart/ShopRite opening at The Mall. Yep. Prices are high. And they have just-the-right-thing-when-you-need-it. Wooo HOOOOO.
Doha Changes
As well as the bulldozers razing entire areas, there are smaller changes taking place in Doha. A supermarket, The Q-Mart, open the first time I was living in Doha, and still open when I got here, has closed – for good – as the guard told us when we went to buy some produce. Q-Mart always had the best produce.
And when I went to show some visiting friends the Esphahan, the Iranian restaurant down at the Souq al Waqif, the door was closed tight and this sign was on the door:
Souq Al Waqif and The Tajine
I can’t let Little Diamond leave Doha without one more visit to the Souk al Waqif. She used to go with me in the old days, when the souk was really really really HOT, and stuffy, and even a little dirty, and the pathways were dark and potholed, so you could easily trip or fall down. Some people I would take loved the place, some didn’t want to set foot inside. It was considered dangerous, and off limits to the military folk.
I miss the scribes. I miss the shoemakers. I miss the little hardware stalls, where when I would ask for masonry nails, 3/4″, they would take me by my sleeve to the man who sold masonry nails. It was a sweet souk then.
It is a WOW souk now. Many of the vendors are the same, even though some have gone missing. There is still the canvas sailmaker, and the fishing supplies man, and the bird souk. There is still the HUGE kitchen souk, and I don’t mean it is a large store, I mean it is a store for giant people, who cook in pots the size that a grown man or woman – or both – could hide in!
When we lived in Jordan, we used to be invited to feasts, Mensefs, a huge rice dish, served with goat most often, sometimes chicken, rarely lamb or mutton (sheep) if it was a really really special occasion on huge round trays. The trays in the Souk Al Waqif would probably serve twenty men at one time, they are so huge.
People say you can’t stop progress. When we lived in Doha the last time, the municipality put in meters for paid street parking. Qatteris were so outraged that the meters were ripped back out without ever being used. I wonder where all those hundreds of unused parking meters ended up?
Today there is a story in the paper about paid parking going in at the Souq al Waqif, and they quote five or six people who are wildly enthusiastic about the idea and all I can wonder is . . . where did they find people who would publicly say they were in favor of PAYING for parking that they always have had for free? The article says that now they will have less competition from large trucks, but when we are there at congested times, it is normal everyday SUV’s and family goat-trucks that are competing for the parking spaces. I wonder if the public perception has changed so much in five years that people are now openly praising paid parking?
It isn’t costly. It’s going to be like 3QR – less than a dollar. It also isn’t covered, and when you park your car in the lot, it is hotter than anything you can imagine when you come out, even if it is only 0930 and only been sitting there for an hour. The best time to go is night, during these hot summer months, and even so – the place is hopping. Even on a week night, there are so many good restaurants down in the Souk al Waqif restaurant row that it is a go-to place for a dinner out.
We tried the Tagine, as we all like Moroccan Food.
The greeting was warm, and the service was attentive.
The food was excellent. Now I have an admission to make, one I have had to make frequently – I forgot to take a photo when the food was served, so all you can see is the mostly eaten remains. I am so sorry, sincerely sorry, but it smelled SO good, and we were SO hungry.
We sat overlooking the souks. There is a wonderful terrace for outdoor dining, but it is just a little too hot and humid for us to enjoy eating outside right now. We can hardly wait for October, when those cooler breezes start blowing.
These are the pre-starter nibbles, delicious olives, a tangy spicy Harissa paste, and delicious fresh-baked bread that melts in your mouth:
We ordered the mixed hot starters, which all disappeared before I thought to take a photo, and Little Diamond had the Addas (lentil) soup, also very good, also not photographed. We had the Moroccan Salad and Zaalouk, an eggplant/ tomato salad we adore. Yep. We were so hungry I forgot to take photos.
AdventureMan ordered Chicken With Slim Bread because we had never heard of it before and it sounded interesting. It was good. He shared with me. 🙂 He also chose the CousCous with 7 Vegetables, because when we lived in Tunisia, we were told traditionally it was always supposed to have seven vegetables (and one was always squash, and there were always garbanzo beans, and there was always tomato, and pretty much always carrot – it was always a very vegetable-y dish). It doesn’t sound like we ordered that much, but it was so delicious, and so filling, that it there was food left over.
The bill was reasonable. Wine and beer are not available, and that keeps the totals lower. We rolled ourselves back to the car, already planning our next trip to his delightful restaurant.
Once the sun goes down, the heat isn’t so bad. The Souq Al Waqif is so much fun at night. Everyone goes there – the locals, the expats, the tourists – it thrills my heart to see a public space so well loved, so well used. There are some very cool art spots going in, too!
One of my good friends told me there is a blog in Arabic that talks about searching for a restaurant I had written about in Mubarakiyya, only to find out it was in Doha. The blogger had invited guests. I felt so bad. So I will add this: WARNING WARNING THIS RESTAURANT IS IN DOHA, QATAR, NOT IN KUWAIT!
The Doha Mumtaz Tailor
As a last resort, we head to the Mumtaz tailor to see if he knows where we might find the exact fabric for Little Diamond’s pants. No, says the Mumtaz Tailor, but actually he saw a lot of it just a couple years ago, but it is all gone now.
This tiny little shop, just off Karabaa, is probably not one you would go into if someone hadn’t taken you there.
One of my stitch-group buddies took me on a Doha tour just before she was leaving, took me to all the tiny shops you would never know about if a good friend didn’t take you there. The Mumtaz Tailor is a gold mine. If anyone has just the buttons you need, that zipper in an unusual shade, the lining to go under the cut out brocade – he’s got it, or he knows who does. He also has all the tools-of-the-trade that people who quilt or sew need – good scissors, measuring tapes, embroidery threads, hoops, a whole host of things you don’t even know what they are until you need them. The Mumtaz Tailor has them, tucked inside his fairly small shop, from floor to ceiling, and he knows where they are.
One year, I bought about twenty hajj towels, the very large, thirsty cotton white towels available here in sets of two for men making the hajj to Mecca. I took them to the Mumtaz tailor and he embroidered my family member’s names in English on one end and in Arabic on the other end and I even got to choose the colors. It was the hit of Christmas; a totally unique gift from Doha.
Although he didn’t have the fabric we sought, the minute we walked in I spied a bolt of the only batik fabric I have ever seen in Doha. Six years ago, I bought several meters of this and I have been looking for it ever since, with no success. I bought five more meters. Wooo HOOOOO!
Qatteri and Kuwaiti Gazingas
We’ve lived in so many different places and dealt with so many currencies, you’d think we’d be used to it by now, but there is always that confusing time at the beginning, when you are mentally trying to multiply and divide and figure out how much things cost. Generally speaking, we call it the gazinga problem, gazinga being our family generic term for whatever currency we are currently using.
I think the cost of food in Qatar is cheaper, but to figure that out, I have to think what it costs here, translate that from Qatteri riyals to dollars, and then to translate that to Kuwaiti dinars. For example, the Vanilla Caramel coffee stuff I like is 2.250 in Kuwaiti dinars (when I can find it) which is about $8.25, and in Qatar, it is QR 15.50, which is $4.25, a significant difference.
Life in Kuwait became much simpler when my Kuwaiti friend told me “Just think about a Kuwaiti dinar being roughly equivalent to the dollar. Otherwise, you will go crazy.” He was right. When I would go grocery shopping and just think of it in dollars, life became much simpler. Every now and then, when I would multiply by 3.65 to figure out the cost in dollars, I would gasp and put the item back on the shelf. Life is simpler if you just go with it. Mostly, I would look for locally produced vegetables, eggs, etc., and that kept grocery costs down. It’s the imported stuff that gets crazy.
So, irrationally, when I have 500 riyals in my pocket, I feel RICH. I feel secure and protected. (500 riyals {$138} is approximately equivalent to 35KD {$128}). I can’t tell you the number of people who come into town in Qatar and offer to take us to dinner (we’ve learned – we always carry extra cash!) – and then when the bill comes, they are stunned – and embarrassed – that they don’t have enough riyals to cover the bill. It’s not that the places are that expensive – although some of them are – but that it all adds up so quickly, and a couple hundred gazingas may not cover a dinner for four.
In both Kuwait and Qatar, I make it a point to quickly learn where all the cash machines are, the ones for my bank, and the ones that you can use your US credit card in and get cash. You just never know when you are going to find something in a shop that doesn’t take credit cards, or find that you are low on cash and still have a couple stops before you get home. Like knowing where the clean toilets are; it’s a matter of survival. 🙂
In Qatar, 100 Qattari riyals is about $27.50, so when doing rapid calculations, I figure it is around $25, then I add a little.
We are working on getting rid of the pigeons. It took a while – when AdventureMan went to the management and said he wanted the pigeons gone, they didn’t understand him. We say “pijjens” and they say “oh! pij-ee-owns!” The cleaning crew came and cleared out the awful nest yesterday, and only one pigeon came to try to spend the night. I threw pencil erasers at him (I had to gather them all up this morning) and then clanked a big stick. Today I am going to buy a water pistol.
The cleaning crew asked if I wanted to have my windows washed, and oh, yes, I did. It really helps to have lived here before. I know that if you want your windows washed, you can go to the desk, they will schedule it and they charge you around 500 riyals – still a bargain, by stateside standards – about $128 for a two story house with some very hard-to-get-to windows. But if you ask the cleaning crew on the compound, they will come during their time off and charge about half – and all the money goes to the guys who clean the windows. I now have bright, shiny windows – I don’t think they had been washed on the outside since I left over three years ago. Now – they sparkle!
Banks in Kuwait and Qatar are way ahead of banks in the US with their use of technology. When I took money out of our bank account yesterday, AdventureMan called me immediately and asked if I had just taken money out of the account. They had SMS’d him what had been taken out and what was left!
My household goods were delivered two weeks ago today. There are still a few remaining little nests of things that need places, but – not much! We walk around the house with that satisfied feeling of knowing things are in their place, where we can find them insh’allah, when we need them, and there are no more boxes, no more piles – it looks pretty good! Even AdventureMan got his room all in order – Now he walks out of his room and says “Oh! It feels so good to walk in and everything is put away!” and he has a huge grin on his face.
Little Diamond arrives tomorrow night. We can hardly wait. 🙂
Dr. Kessler and The Power of a Chocolate Chip Cookie
This is an excerpt from an article in The New York Times; Health and you can read the whole article by clicking on the blue type. Dr. Kessler has written a book about how food is engineered to be irresistible. Yes, we all need to develop a little self-discipline. And yes, the decks are stacked against us.
Did you know that almost the entire taste of a potato chip is on it’s surface, designed to give you an immediate impact of taste?
This article talks about Dr. Kessler’s new book, and it’s implications for our food choices:
(photo from Bon Appetit magazine chocolate chip cookie and strawberry gelato sandwiches)
As head of the Food and Drug Administration, Dr. David A. Kessler served two presidents and battled Congress and Big Tobacco. But the Harvard-educated pediatrician discovered he was helpless against the forces of a chocolate chip cookie.
In an experiment of one, Dr. Kessler tested his willpower by buying two gooey chocolate chip cookies that he didn’t plan to eat. At home, he found himself staring at the cookies, and even distracted by memories of the chocolate chunks and doughy peaks as he left the room. He left the house, and the cookies remained uneaten. Feeling triumphant, he stopped for coffee, saw cookies on the counter and gobbled one down.
“Why does that chocolate chip cookie have such power over me?” Dr. Kessler asked in an interview. “Is it the cookie, the representation of the cookie in my brain? I spent seven years trying to figure out the answer.”
The result of Dr. Kessler’s quest is a fascinating new book, “The End of Overeating: Taking Control of the Insatiable American Appetite” (Rodale).
During his time at the Food and Drug Administration, Dr. Kessler maintained a high profile, streamlining the agency, pushing for faster approval of drugs and overseeing the creation of the standardized nutrition label on food packaging. But Dr. Kessler is perhaps best known for his efforts to investigate and regulate the tobacco industry, and his accusation that cigarette makers intentionally manipulated nicotine content to make their products more addictive.
In “The End of Overeating,” Dr. Kessler finds some similarities in the food industry, which has combined and created foods in a way that taps into our brain circuitry and stimulates our desire for more.
When it comes to stimulating our brains, Dr. Kessler noted, individual ingredients aren’t particularly potent. But by combining fats, sugar and salt in innumerable ways, food makers have essentially tapped into the brain’s reward system, creating a feedback loop that stimulates our desire to eat and leaves us wanting more and more even when we’re full.
Dr. Kessler isn’t convinced that food makers fully understand the neuroscience of the forces they have unleashed, but food companies certainly understand human behavior, taste preferences and desire. In fact, he offers descriptions of how restaurants and food makers manipulate ingredients to reach the aptly named “bliss point.” Foods that contain too little or too much sugar, fat or salt are either bland or overwhelming. But food scientists work hard to reach the precise point at which we derive the greatest pleasure from fat, sugar and salt.
The result is that chain restaurants like Chili’s cook up “hyper-palatable food that requires little chewing and goes down easily,” he notes. And Dr. Kessler reports that the Snickers bar, for instance, is “extraordinarily well engineered.” As we chew it, the sugar dissolves, the fat melts and the caramel traps the peanuts so the entire combination of flavors is blissfully experienced in the mouth at the same time.
Foods rich in sugar and fat are relatively recent arrivals on the food landscape, Dr. Kessler noted. But today, foods are more than just a combination of ingredients. They are highly complex creations, loaded up with layer upon layer of stimulating tastes that result in a multisensory experience for the brain. Food companies “design food for irresistibility,” Dr. Kessler noted. “It’s been part of their business plans.”
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