Here There and Everywhere

Expat wanderer

Publix Helps Us Cook At Home

Through blogging, I became a fan, and then in the way things happen in this wonderful virtual world, a friend of another blogger, John Lockerbie, who writes about many things, my favorite of which is Islamic design. He writes about the architecture, the boats, development in the Gulf, and behind the blogs, we have had our own correspondence.

Recently he commented on the post I wrote about how American health problems are mostly self-inflicted, and could be turned around with proper diet, exercise and preventive visits to the doctor to deter the serious illnesses from showing up. He sent me a reference to a speech made by Jamie Oliver, when he won the TED prize, on changing one small thing in the modern world – teaching us to cook once again in our own homes instead of eating out, eating highly processed, highly salted, highly sugared and highly fatted foods.

There is a Florida chain of supermarkets called Publix, and they are marvelous. Publix is making it easy for people to cook at home. They have a program where they do cooking demos, give out the recipes, and have all the ingredients gathered in one place – at the same price as throughout the store, just located conveniently in this one place – to encourage people to cook at home.

All the ingredients for several recipes:

Close up:

The signage:

Pick a recipe!

I find I am enjoying cooking a lot more here, where shopping is so easy and everything looks so good. Oh yes, and the prices are so low!

March 25, 2010 Posted by | Community, Cooking, Cultural, Customer Service, Education, ExPat Life, Financial Issues, Florida, Food, Health Issues, Living Conditions, Recipes, Shopping, Social Issues | Leave a comment

The Kindness of Strangers

Things have started off well in Pensacola. My second day in town, I made it to church, and discovered that the church is involved with gathering food for the poor, something I like doing, too. They are also celebrating the church in Jerusalem and the Middle East on Palm Sunday, which I find a sort of fortuitous omen, since here I am, coming in from the Middle East.

Monday, we bought the house. We really did buy it, even though it was me signing the papers. Now that I think of it, that’s the way it has been with just about every house we have bought – I have gone ahead to sign the papers and AdventureMan has followed later . . .

The previous owner of the house did some really kind, really generous things. He left a screen for the fireplace that is sort of Art Nouveau, my favorite period, and I really like it. It sounds like a small thing, but he put a full roll of toilet paper in every bathroom. He left all the instruction manuals for all the appliances, and left notes on the remotes, explaining which was which. I found all of this very kind, unexpectedly kind, and generous of spirit.

The contractors who are going to rewire and then restore the house are contractor nerds. You do know how much I like nerds, don’t you? Nerds are people who are probably ‘uncool’ because they have a fascination with something, and don’t care what you think about it. One of these guys is an electrician nerd, and the other is a general contractor nerd, and once they start talking, I (the customer) am almost irrelevant. These guys have listened to what I want, they know what I need, they have asked all the right questions, and then the two of them start talking in their own language (contractor language; it’s English but barely intelligible to folk like me) and they are trying as hard as they can to get AdventureMan and Qatteri Cat and me into the house as soon as possible. These are honest guys, who love the work they are doing, and I feel so blessed to have them in my life.

In fact, I met my realtor because she is married to the contractor guy. I found him on the internet when I needed some work done on my other Pensacola house. He had a valid license, and no complaints. When I interviewed him, my son and husband were also present, and we all agreed, some how we had lucked out. This man was straight forward, and honest. When he told us how much it would cost, we gulped, but he got all the work done on time, and on budget. How cool is that?

His wife spent hours and days and weeks with us, showing us huge numbers of houses, from the amazing to the disgusting. She said she would find the right house for us, and – she did! It is close to our son and his wife without being too close, it is close to church, close to shopping and not far at all from the glorious Pensacola beaches. Woo HOOO on her!

Yesterday, I bought the Rav4. It was so boring, so uneventful, I totally loved it. Who needs new car drama? The car is enough, I don’t want drama! These people were so good to me – they arranged for me to drop my car off near their dealership, which is about an hour from Pensacola (YES! YES, I would drive an hour for the kind of service I got – I got the car I wanted at almost the exact price I was willing to pay) and they picked me up, went through all the formalities, did not try to stick me with any extra charges, in fact I ended up paying $6 less than I thought. They demo’d the new features, handed me the keys and sent me off with a full tank of gas. It was a great way to buy a car, and I love my new car.

Today, I needed to buy book cases. The one rule of moving in is that it goes smoothly IF you have places to put things, which in our case means book cases. I use them for books, yes, but also for fabric storage, sometimes to display photos, sometimes to divide rooms, or to store sweaters and underclothes and things I want to be able to see where they are.

I knew where I had seem book cases at an amazing price, but they didn’t have six in the finish (maple) that I wanted, so a kind woman working there checked local inventories and sent me off to the next store, where they found the six, loaded them on a trolley and a strong young man loaded them into my car. When I tried to tip him, he gasped and pulled back and said “No! No! I’m not allowed to accept tips! I could get FIRED if I took a tip!”

This is not what I am used to!

All in all, people have been amazingly kind, and it seems to happen a lot.

There is one very funny thing I notice about myself, now four days in Pensacola. That is, I cannot go into a grocery store and come out with just what I went in for. The prices here are so GOOD! I keep thinking in Kuwaiti Dinars, or Qatari Riyals, and I think “I might never see tuna fish at that price again!” or “Look at the price on those eggs!” and even though the RATIONAL part of my brain keeps saying “Wait! Wait! You’re in the United States now!” the reality has not yet permeated my buying mode enough to restrain me. I have zero sales resistance. I really just need to stay out of the stores until I can build some resistance up.

At the end of every day I get to come home to my son and his wife and their little baby son, and life is sweet, except that we all wish AdventureMan would hurry and come and join us. And bring the Qateri Cat!

March 24, 2010 Posted by | Adventure, Bureaucracy, Character, Civility, Community, Cross Cultural, Customer Service, ExPat Life, Family Issues, Financial Issues, Florida, Food, Generational, Living Conditions, Marriage, Qatteri Cat, Shopping, Social Issues, Values, Work Related Issues | 5 Comments

“Health Care Could be Fixed Overnight . . .”

Today, AOL ran commentaries on American health care and whether the new proposals will make a difference. The comment of one CEO who runs an enormous health provider, caught my eye. As I read it, I thought “he is talking about the USA, but the exact same thoughts apply to Qatar, to Kuwait, to Germany, where an epidemic of self-inflicted health problems is growing wildly.” And it also occurs to me that he is laying the accountability squarely where it belongs – on our shoulders.

David Feinberg, M.D., M.BA.
CEO, UCLA Hospital System

“The debate they’re having now in Washington is the wrong discussion,” says Feinberg. “They’re not talking about health-care reform. They’re talking about health insurance reform. The bill in Congress has nothing to do with health care.” He explains that health care could be fixed overnight if people would stop using alcohol and drugs, eat right and exercise.

“I have 800 patients in this hospital today, and I bet 50 percent of them have illnesses that could have been completely prevented,” Feinberg says. “That situation is not going to get better with a ‘public option.'”

He points out that even people without health insurance can receive care when they need it in the emergency room, and, while it’s not ideal, they’re not being denied care because they don’t have health insurance. “It’s impossible to give high quality, low cost care to everyone. What we need is to decrease demand for health care.”

According to Feinberg, some 75 percent of illnesses are treated at home, whether that’s a bad cold or a sprained ankle, and he says that health-care reform should be focused on home care. “When you compare us to other countries with similar Gross Domestic Products, they spend half what we do on health care because they have a different lifestyle,” he says. “We either need to change our lifestyle, or it’s going to be very expensive.”

“With all due respect,” he adds, “the surgeon general is obese. I don’t think the President of the United States should be solving this.” Rather, he says, each individual needs to come to terms with the fact that eating right, exercising, and avoiding smoking and alcohol will transform not only their own lives but the ever increasing cost of health care in this country.

You can read all the commentaries on AOL Health News. I know most of us in my age group need more exercise (not you, Big Diamond!) and are beginning to stave off the common age-related problems of high cholesterol, high blood pressure, obesity, diabetes, aches and pains, etc. We all KNOW we could be eating better and exercising more. We are smart educated people – but do we do what we know is best for ourselves? NNoooooooooooo!

I see the same epidemic striking in Germany, in Qatar and in Kuwait, people who have enough to eat are eating too much. Yes. Yes. I’m guilty. And I exercise a lot less than I need to. I was so happy to get back into a house, with stairs, so at least I would get the exercise of going up and down stairs a few times a day.

Japan has instituted a national policy of health, measuring citizens waists and penalizing them for carrying too much weight. I will be interested to see how it works out, if it pays off in health benefits and lowered costs down the road. It’s an inspired mandate.

March 20, 2010 Posted by | Aging, Diet / Weight Loss, Doha, ExPat Life, Family Issues, Food, Germany, Health Issues, Kuwait, Living Conditions, Saudi Arabia, Social Issues | | Leave a comment

Population Trends and Future Forecasts

America in 2050 — Part 1
This is the first of a three-part series for AOL News adapted from Joel Kotkin’s new book, “The Next Hundred Million: America in 2050.” Part 2 in the series will look at America’s increasingly multiracial population in 2050.

This is an opinion piece from AOL NEWS OP/ED If you read this article carefully, you will see that the population trends he cites as promising for the USA are equally applicable to countries in the Middle East with stable economies and forward leaning plans:

Opinion: What America Will Look Like in 2050

Joel Kotkin
Special to AOL News

(March 15) — To many observers, America’s place in the world is almost certain to erode in the decades ahead. Yet if we look beyond the short-term hardship, there are many reasons to believe that America will remain ascendant well into the middle decades of this century.

And one important reason is people.

From 2000 to 2050, the U.S. will add another 100 million to its population, based on census and other projections, putting the country on a growth track far faster than most other major nations in the world. And with that growth — driven by a combination of higher fertility rates and immigration — will come a host of relative economic and social benefits.

More fertile

Of course the percentage of childless women is rising here as elsewhere, but compared to other advanced countries, America still boasts the highest fertility rate: 50 percent higher than Russia, Germany or Japan, and well above that of China, Italy, Singapore, Korea and virtually all of eastern Europe.

As a result, while the U.S. population is growing, Europe and Japan are seeing their populations stagnate — and are seemingly destined to eventually decline. Russia’s population could be less than a third of the U.S. by 2050, driven down by low birth and high mortality rates. Even Prime Minister Vladimir Putin has spoken of “the serious threat of turning into a decaying nation.”

Source: U.S. Census Bureau, International Database.
In East Asia, fertility is particularly low in highly crowded cities such as Tokyo, Shanghai, Tianjin, Beijing and Seoul. And China’s one-child policy — and a growing surplus of males over females — has set the stage for a rapidly aging population by mid-century. South Korea, meanwhile, has experienced arguably the fastest drop in fertility in world history, which perhaps explains its extraordinary, if scandal-plagued, interest in human cloning.

Even more remarkably, America will expand its population in the midst of a global demographic slowdown. Global population growth rates of 2 percent in the 1960s have dropped to less than half that rate today, and this downward trend is likely to continue — falling to less than 0.8 percent by 2025 — largely due to an unanticipated drop in birthrates in developing countries such as Mexico and Iran. These declines are in part the result of increased urbanization, the education of women and higher property prices. The world’s population, according to some estimates, could peak as early as 2050 and begin to fall by the end of the century.

Younger and More Vibrant

Population growth has very different effects on wealthy and poor nations. In the developing world, a slowdown of population growth can offer at least short-term economic and environmental benefits. But in advanced countries, a rapidly aging or decreasing population does not bode well for societal or economic health, whereas a growing one offers the hope of expanding markets, new workers and entrepreneurial innovation.

In fact, throughout history, low fertility and socioeconomic decline have been inextricably linked, creating a vicious cycle that affected such once-vibrant civilizations as ancient Rome and 17th-century Venice and that now affects contemporary Europe , Russia and Japan.

Within the next four decades, most of the developed countries in both Europe and East Asia will become veritable old-age homes: a third or more of their populations will be older than 65, compared with only a fifth in the U.S. By 2050, roughly 30 percent of China’s population will be older than 60, according to the United Nations. The U.S. will have to cope with an aging population and lower population growth, in relative terms, but it will maintain a youthful, dynamic demographic.

More Hopeful About the Future

The reasons behind these diverging trends is complex. In some countries, a sense of diminished prospects, combined with a chronic lack of space, appear to be the root causes for plunging birthrates. As Italians, Germans, Japanese, Koreans and Russians have fewer offspring — one recent survey found that only half of Italian women 16 to 24 said they wanted to have children — they will have less concern for future generations.

In contrast, in the United States roughly three-quarters of young people report they plan to have offspring. Such individual decisions suggest that America, for all its problems, is diverging from its prime competitors, placing its faith in a future that can accommodate 100 million more people.

As author Michael Chabon recently wrote, “In having children, in engendering them, in loving them, in teaching them to love and care about the world,” parents are “betting” that life can be better for them and their progeny

Joel Kotkin is a distinguished presidential fellow at Chapman University in Orange, Calif., and an adjunct fellow with the Legatum Institute in London.

To submit an op-ed to AOL News, write to opinion@aolnews.com.

March 16, 2010 Posted by | Civility, Community, Family Issues, Financial Issues, Interconnected, Social Issues, Values, Work Related Issues | 1 Comment

Americans Sing for the Liberation of Kuwait

My sweet Kuwait friend sent me this today. It made me cry.

We all have memories of the invasion. I remember it well. We had just moved to Tampa, AdventureMan was working with CENTCOM. He had just brought his very old grandmother to visit with us, and the next day, Iraq invaded, and his grandmother and I didn’t see him again!

We have had a long history with Kuwait, longer than our time living there. Kuwait matters to us. This song makes me cry; the effects of this invasion linger on, resonating and affecting so many lives:

March 1, 2010 Posted by | Adventure, Biography, Community, Counter-terrorism, Cross Cultural, Events, ExPat Life, Family Issues, Friends & Friendship, Interconnected, Kuwait, Living Conditions, Middle East, Political Issues, Social Issues | 5 Comments

Thing Younger, Act Younger, BE Younger

A couple of my friends and I were trying to figure out why we were friends. What goes into making friendships? One thing that surprised us was that we tended to choose people with some risk-taking behaviors – people who look ‘normal’ and conservative on the outside, but are thinking outside-the-box on the inside. They are thinking all the time, observing and analyzing and making choices that set them aside from others. For one thing, here we are, all living in Qatar – and that is a choice. Our lifestyles are a choice.

Most of my friends are a lot of fun – you would like them. And it might take you a while to figure out we are all total nerds, very uncool people. One of the very coolest sent me this. On the inside, this woman is into EVERYTHING! On the outside, she obeys the conventions. On the inside, she is thinking all the time. 🙂

This study, from BBC News Magazine is amazing. But don’t believe me! Listen to the broadcast! See the movie! Imagine yourself 20 years younger (please! not those of you in your 20’s!) and start acting YOUNGER!

In 1979 psychologist Ellen Langer carried out an experiment to find if changing thought patterns could slow ageing. But the full story of the extraordinary experiment has been hidden until now.

How much control do you have over how you will age?

Many people would laugh at the idea that people could influence the state of their health in old age by positive thinking. A way of mitigating ageing is a holy grail for the pharmaceutical and cosmetics industry, but an experiment by Harvard psychologist Ellen Langer three decades ago could hold significant clues.

Prof Langer has spent her entire career investigating the power our mind has over our health. Conventional medicine is frequently accused of treating them as separate entities.

“Everybody knows in some way that our minds affect our physical being, but I don’t think people are aware of just how profound the effect actually is,” she says.
In 1979, Prof Langer conducted a ground-breaking experiment – the results of which are only now being fully revealed.

Prof Langer recruited a group of elderly men all in their late 70s or 80s for what she described as a “week of reminiscence”. They were not told they were taking part in a study into ageing, an experiment that would transport them 20 years back in time.

The psychologist wanted to know if she could put the mind back 20 years would the body show any changes.

The men were split into two groups. They would both be spending a week at a retreat outside of Boston.

Ellen Langer in 1979 and today
But while the first group, the control, really would be reminiscing about life in the 50s, the other half would be in a timewarp. Surrounded by props from the 50s the experimental group would be asked to act as if it was actually 1959.

They watched films, listened to music from the time and had discussions about Castro marching on Havana and the latest Nasa satellite launch – all in the present tense.

Dr Langer believed she could reconnect their minds with their younger and more vigorous selves by placing them in an environment connected with their own past lives.

And she was determined to remove any prompt for them to behave as anything but healthy individuals. The retreat was not equipped with rails or any gadgets that would help older people. Right from the off she was determined to ensure they looked after themselves.

One man discarded his walking stick

When they got off the bus at the retreat, Prof Langer did not help the men carry their suitcases in. “I told them they could move them an inch at a time, they could unpack them right at the bus and take up a shirt at a time.”

The men were entirely immersed in an era when they were 20 years younger.

Understandably, Prof Langer herself had doubts. “You have to understand, when these people came to see if they could be in the study and they were walking down the hall to get to my office, they looked like they were on their last legs, so much so that I said to my students ‘why are we doing this? It’s too risky’.”

But soon the men were making their own meals. They were making their own choices. They weren’t being treated as incompetent or sick.

Pretty soon she could see a difference. Over the days, Prof Langer began to notice that they were walking faster and their confidence had improved. By the final morning one man had even decided he could do without his walking stick.

As they waited for the bus to return them to Boston, Prof Langer asked one of the men if he would like to play a game of catch, within a few minutes it had turned into an impromptu game of “touch” American football.

The experiment took the men back to 1959

Obviously this kind of anecdotal evidence does not count for much in a study.

But Prof Langer took physiological measurements both before and after the week and found the men improved across the board. Their gait, dexterity, arthritis, speed of movement, cognitive abilities and their memory was all measurably improved.

Their blood pressure dropped and, even more surprisingly, their eyesight and hearing got better. Both groups showed improvements, but the experimental group improved the most.

Think younger, feel younger?
Prof Langer believes that by encouraging the men’s minds to think younger their bodies followed and actually became “younger”.

She first published the scientific data in 1981 but she left out many of the more colourful stories. As a young academic, she feared this might taint the experiment and affect the acceptance of the results.

Now after over 30 years of research into the connection between the mind and the body and with the confidence and conviction of a Harvard professor, she feels she has a fuller story to tell.

“My own view of ageing is that one can, not the rare person but the average person, live a very full life, without infirmity, without loss of memory that is debilitating, without many of the things we fear.”

Richard Wiseman, professor of public understanding of psychology at the University of Hertfordshire, thinks the results of Prof Langer’s experiments are fascinating but the big question is what’s causing them. “I think there could be multiple things going on here and the question is which explanations really hold water.

Why some people age faster than others is mysterious
“Part of it could be self perception, for example if you get people to smile they feel happier. The same could be going on here, by getting people to act younger they feel younger.”

Prof Weisman believes another factor could be motivational, the men are simply trying harder by the end of the week, or it could be similar to hypnotism, where people do better on memory tests because they are told they have a better memory.

Whatever the cause he believes there is a place for the type of positive thinking shown in the study.

“If you take something like heart disease positive thinking can have a role, because while it won’t heal your heart on its own, positive thinking will feed into positive actions like healthy eating or exercise which will help.”

In any event there is likely to be more interest in the 1979 experiment. The retelling of the study has been snapped up by Jennifer Aniston’s new production company, with Aniston tipped to play Prof Langer.

(FIND OUT MORE
Horizon: Don’t Grow Old is available via iPlayer and will be repeated at 0250GMT on BBC One on Tuesday 9 February)

February 27, 2010 Posted by | Adventure, Aging, Character, Doha, ExPat Life, Family Issues, Friends & Friendship, Generational, Health Issues, Interconnected, Kuwait, Living Conditions, Qatar, Relationships, Social Issues, Statistics | 3 Comments

Operation Hope: Kuwait

From: Sheryll Mairza [mailto:sheryllmairza@live.com]
Sent: Thursday, February 25, 2010 8:01 AM
To: Operation Hope
Subject: Yard Sale Announcement

Dear Friends – near and far,

I invite you to attend the Operation HOPE – Kuwait Spring Yard Sale on Saturday, March 6, 2010 at Rumaithiya, Block 9, Street 92, House 23 from 8 – 11 am. Lots of nearly new treasures will be found including living room furnishings, kitchen table/chairs, appliances-large and small, kitchen ware, toys, baby furnishings, children’s clothing, shoes, ladies hand bags, and much, much more! Mark your calendar to support the work OH – Kuwait endeavors to do. Please pass this invitation on to everyone in your Kuwait email address book ~ we need your support! If you live outside Kuwait would you please forward this email on to those who DO live in Kuwait as you are our best means of advertising!

PS: If you have items you wish to donate, please bring them by before March 4th.

I thank you for your support!!

Blessings,
Sheryll Mairza
Operation HOPE – Kuwait

February 27, 2010 Posted by | Charity, Kuwait, Social Issues | 6 Comments

Qatar Starts Work on Railway

I love public transportation, when it is good. When it is modern and clean and orderly, it is good for citizens, good for the community, good for the country and good for the environment. Woo HOOO on Qatar, and on an Emir who says (I paraphrase) to let nothing stand in its way, to remove all obstacles. Wooo HOOOOO!

Work starts on railway projects
Web posted at: 2/25/2010 6:51:1
Source ::: THE PENINSULA/ By MOHAMED SAEED

DOHA: Preliminary work on the ambitious multi-billion dollar metro and ground rail projects has begun and once the networks are ready trains could be moving at speeds of 80 to 350km per hour.

The projects are to be completed in phases between 2010 and 2016 and will take into consideration Qatar’s bid to host the football World Cup in 2022.

The three mega railway projects (the metro network within Greater Doha, the over-ground railways covering entire Qatar and eventually linking it to the rest of the GCC region and cargo trains) are expected to cost an astronomical QR133.5bn.

This was disclosed by the Qatar News Agency yesterday. It said the Prime Minister and Foreign Minister, H E Sheikh Hamad bin Jassem bin Jabor Al Thani, briefed the Heir Apparent, H H Sheikh Tamim bin Hamad Al Thani, on the railway and various Ashghal projects at the Emiri Diwan yesterday.

Senior Qatari Diar officials handling the railway ventures and Ashghal (Public Works Authority) functionaries made the presentations.

According to QNA, the Premier briefed the Emir, H H Sheikh Hamad bin Khalifa Al Thani, on these projects on February 2 and was asked to refer them for review to the Heir Apparent.

The Emir also asked the PM to remove any obstacles facing these ventures and added that the projects be forwarded to the Advisory Council and the Central Municipal Council (CMC) as well for revision.

Qatari Diar officials told the Heir Apparent that the metro rail project will cover a total distance of 354km and the trains will run at speeds of 80 to 160km per hour.

The ground rail network will, on the other hand, cover a total distance of 345km and traverse the entire country and passenger electric trains will be running at between 220 and 350km per hour.

This network will be linked to the GCC railways by 2017. Cargo trains covering major economic centres in Qatar will be running at 120km per hour.

Ashghal officials briefed the Heir Apparent on current and future infrastructure projects.

They put the total cost of the various road, sewage and groundwater collection projects at a whopping QR70bn and said the ventures are to be ready in five to eight years.

The possibility of hiring international consultants to handle key public projects was also discussed so that smooth traffic flow on arterial roads was ensured during the execution of these ventures.

A pipeline is to be installed that would collect rain water from the north and other parts of the country and bring it to a reservoir in the south.

And the capacities of the three major sewage water treatment plants are to be increased, said Ashghal officials.

February 26, 2010 Posted by | Community, Doha, ExPat Life, Interconnected, Living Conditions, Social Issues, Values, Work Related Issues | Leave a comment

One in Four American Mortgages ‘Underwater’

From 24/7 Wall Street on AOL

Underwater Mortgages Hit 11.3 Million

Posted: February 23, 2010 at 7:25 pm

There is a reason that 702 American banks, nearly one in ten, were on the FDIC “problem list” as of the end of 2009. A large number of small and mid-sized banks are burdened with home and commercial mortgages that are in default and may even go into foreclosure.

New data from First American CoreLogic shows why the solution to the problem banks face is so difficult to find. Eleven million, three hundreds thousand homes had underwater mortgages as of the fourth quarter of last year. That number represent 24% of all residential homes loans in America.The mortgage numbers are much worse when homes with equity of less than 5% are included. First American reports that ”an additional 2.3 million mortgages were approaching negative equity at the end of last year, meaning they had less than five percent equity.” That means that three out of ten homes have virtually no financial value to their owners.

The pressure that the home value trouble puts on banks is clear. The aggregate dollar value of negative equity was $801 billion at the end of last year, up $55 billion from $746 billion in Q3 2009. People who believe there is no hope of their homes ever having any economic value are more likely to default on mortgages, especially in an environment where unemployed and under-employed people make up 17% of the total available workforce nationwide. Many homeowners are as concerned about their employment future as they are about the value of their houses.

Problem home loans are concentrated in the regions where real estate values have fallen the most–Arizona, Florida, Nevada, Michigan, and California. First American says that “among the top five states, the average negative equity share was 42 percent, compared to 15 percent for the remaining 45 states.” In other words, the odds are relatively high that some of the home owners in those states will never sell their houses for more than the amount of their mortgages. That creates a vicious cycle in which high numbers of people with underwater loans default in the states where real estate values have dropped the most. There is no easy way to create a foundation under home prices.

The FDIC has closed 20 banks this year, Five of those were in the five states where mortgage equity problems are at their worst. The agency closed 15 banks in December. Of those, five were in Arizona, Florida, Nevada, Michigan, or California. The bank failure and mortgage failure problems area inextricably linked.

The First American numbers do not leave much hope for a home price rebound this year. It is too hard to sell a house with an underwater mortgage because the bank has to be paid the balance of the loan in cash at closing. Many people do not even try make home payments or cannot afford to under those circumstances. The Mortgage Bankers Association reported that a record 15% of American mortgage holders are either in foreclosure or at least one payment behind.

The difficulties that face small and mid-sized banks, which ultimately are a problem for the FDIC, are to a large extent still a fallout of the deteriorating real estate sector. The underwater mortgage problem is still growing and that almost certainly means bank closings will be high again this year as well.

Douglas A. McIntyre

February 24, 2010 Posted by | Building, Community, Family Issues, Financial Issues, Interconnected, Social Issues | Leave a comment

From Kuwait MOI

One reader was asking about where to go online to pay his Kuwait traffic violations. While looking it up (Google “Kuwait Government Traffic Violations Website”) I found this essay on Equality Before the Law in Kuwait:

Lt. Gen. Al-Rejaib: His Highness the Amir stresses on applying the law on everyone

The Interior Undersecretary Lt. Gen. Ahmad Abdullatif Al-Rejaib affirmed on embedding the principle of reward and punish with applying it, where is no place in the Interior Ministry for slackers or neglegants or lacker individuals.

He stressed importance on respecting the authority of the security man after it had been affected for some reasons, affirming on the need of restoring mutual respect between the security man and citizens as well as residents.

Lt. Gen. Al-Rejaib cleared out thoughout his meeting which was featured with honesty and transparency on Wednesday morning 3/2/2010 attended by the Interior Assistant Undersecretary for General Security Affairs, Maj. Gen. KHalil Al-Shamali, leaders and officers of the General Security sector, that the supreme directives of His Highness the Amir, the Supreme Commander of the Armed Forces Sheikh Sabah Al-Ahmad Al-Jaber Al-Sabah, is to apply law on everyone and no one is above it no matter how high this person is.

Lt. Gen. Al-Rejaib urged the leaders and officers of the General Security sector to follow up on all the works that are assigned to them as well as the tasks entrusted on them with honesty and transparency so justice prevails among everyone and for homeland residents to live in comfort, secure and safety. He demanded to honor the hardworker as soon as he accomplished any such achievements so it would be a motivation and an incentive for others to do work accurately.

At the beginning of the meeting in where it was took place at First Lt. Gen. Yousef Al-Khurafi Hall, Lt. Gen. Al-Rejaib welcomed his brothers and sons leaders and officers of the General Security sector, and conveyed to them the greetings of H.E. the Interior Minister Staff Lt. Gen. (ret.) Sheikh Jaber Al-Khaled Al-Sabah and his good wishes for them for success and to exert to give more efforts.

This meeting comes for the sake of discussing many of the issues concerning about security direcotorates and police stations, emphysizing the importance of police station as it is the first point for citizen and resident to turn to and the first security venue known by the Kuwaiti society, he added.

He affirmed that police station was a safeguard for every citizen and resident and a source of fear for any such violators or outlaws; pointed out that the Ministry of Interior has restored the authority of police stations two years ago.
There are bright sides represented by outstanding distinguished efforts done by area leaders, police stations chiefs as well as their officers but in the other hand, there are few who don’t perform their duty in full, and this is not allowed for any case, he added.

Lt. Gen. Al-Rejaib warned on the sluggard individuals who will receive a proper punishment, whereas the sincere and hard work individuals will receive the most appreciable rewards. He stressed importance to reject any such favoritism or mediation or a compliment, and such matters should be dealt with strictness and be terminated.

The Lt. Gen. called on good work organization in police stations, mentioning that the Ministry of Interior is putting all possible support and resources from officers, constables and police patrols, and to such reasons police stations officers should be present in their posting duties.

The leaders of the General Security sector, on top of them Maj. Gen. Khalil Al-Shamali have to be in presence in their places day and night; therefore, it is not exceptable at all that high leaders are in presence at their posts and no police stations officers existed at their assigned locations, he pointed out.

He stressed out that evaluating leaders and officers work stemmed from their performing their duties on combating crime and running after outlaws and out system, and there are not such other way around.

Lt. Gen. Al-Rejaib requested leaders and officers of the General Security sector to work as always do and promised for the sake of Kuwait and its people who deserved to be given all such exerted efforts.

He called on police stations chiefs and their officers to identify the area nature where they work at in terms of its demographic structure, its foremost economical activities and its existent educational and banking facilities, affirming that such information are essential to be awared about by the police station officers.

The security work is an honorable task and an obligatory on us to hold responsibilities, working as a one team and any such achievements accomplished are due to fruitful cooperation and continuous coordination, and self-denial is a trait we should characterized by for the sake of homeland security, he noted out.

The Interior Undersecretary Lt. Gen. Ahmad Abdullatif Al-Rejaib concluded by expressing his hope that the leaders and officers of the General Security sector to be as always as they promised us of being discipline, committed with high duty performance; pointed out that this meeting is a beginning of a series of upcoming meetings with different security sectors.

In Pensacola, people ask me if I wasn’t scared living in Kuwait and Qatar. Safe? I feel safer in Qatar and Kuwait than in Pensacola! And that is what I tell them!

February 20, 2010 Posted by | Bureaucracy, Charity, Counter-terrorism, Crime, Cross Cultural, Customer Service, ExPat Life, Kuwait, Law and Order, Leadership, Living Conditions, Middle East, Social Issues | 2 Comments