Comments for Dacris Software http://www.dacris.com Are you living the optimized life? Thu, 24 Nov 2011 22:40:31 +0000 hourly 1 http://wordpress.org/?v=3.2.1 Comment on Comment Spam and Other Black-Hat SEO Techniques by bütün gazeteler http://www.dacris.com/blog/2010/08/07/comment-spam-and-other-black-hat-seo-techniques/#comment-3144 bütün gazeteler Thu, 24 Nov 2011 22:40:31 +0000 http://www.dacris.com/blog/2010/08/07/CommentSpamAndOtherBlackHatSEOTechniques.aspx#comment-3144 thanks for sharing this great post. thanks for sharing this great post.

]]> Comment on Comment Spam and Other Black-Hat SEO Techniques by cam balkon http://www.dacris.com/blog/2010/08/07/comment-spam-and-other-black-hat-seo-techniques/#comment-2558 cam balkon Tue, 08 Nov 2011 22:34:27 +0000 http://www.dacris.com/blog/2010/08/07/CommentSpamAndOtherBlackHatSEOTechniques.aspx#comment-2558 Lots of thanks for another valuable post. Hello there.. I am a newbie to blogs and I been doing some browsing to get some thoughts. Lots of thanks for another valuable post. Hello there.. I am a newbie to blogs and I been doing some browsing to get some thoughts.

]]> Comment on Canada = The Last Bubble by admin http://www.truthinsilver.com/2011/10/canada-the-last-bubble/#comment-2157 admin Mon, 24 Oct 2011 05:27:58 +0000 http://www.dacris.com/?p=737#comment-2157 Here's a spreadsheet I created to quantify the collapse: <a href="http://app.dacris.com/blog/doom.xlsx" rel="nofollow">Doom Estimator (Excel)</a> It's called the "Doom Estimator." I calculated two scenarios - Scenario A and Scenario B. In both scenarios, I expect household expenses to rise by 20% in 2012, principally led by rising food prices, rising transportation, higher energy costs, higher property taxes (due to significantly higher assessments), and rising maintenance costs. If you think cost of living can't rise by 20% in one year, you perhaps haven't seen the latest gas prices (averaging about $1.25) which are more than 20% higher than the year before. Everything has risen significantly in price, even my bank fees. The property tax component is one that always takes everyone by surprise. If your property rises in value, it will also rise in assessed value. Therefore, you will pay more in municipal taxes. If you were paying $200 in 2011, you will pay, because of reassessment, about 20-25% more in 2012, or $250. We can probably also expect interest rates to rise by the end of 2012, if the world hasn't ended. In Scenario A interest rates rise by 0.5% by then, which I would say is the most reasonable expectation. On a $250,000 mortgage amortized over 30 years, that would add $70.00/month or <strong>6% extra</strong> on the monthly payment. I also expect the affordability ratio to correct back to the historical 17 - 19 level. If that is factored in with the relatively mild and realistic Scenario A, we're looking at a 32.4% haircut on the value of your property! If you have a $500,000 house, that means it will need to fall to $338,000. That means if you've got a $400,000 mortgage on it, you should probably sell or you'll end up underwater. Basically, <strong>anyone with a mortgage of more than 67%</strong> of their house value now is in serious danger of going underwater in the coming 2-3 years. The remainder will simply watch in dismay as their house (now regarded as personal piggy-bank) falls in value back to 2001 levels. The collapse will take 2-3 years to go from peak to the "recognition" phase (where people actually admit that there was a collapse), just like in the US (it took from early 2005 - late 2008 for the whole thing to unfold from peak to recognition). To fix this, we all need to take personal responsibility. If you anticipate that you'll be underwater, and you do not sell your house or correct your mortgage situation (by making pre-payments) by <strong>January, 2013</strong>, it will be too late. To be safe from foreclosure, maintain a loan-to-value ratio (ratio of mortgage to house value) of less than 67% for the coming years, relative to the value of your house in 2011 (the summer peak). If you are buying a house in this time period, you need to buy at 30% below market value at least. Find a FSBO, a distressed seller, anything. It will be difficult because we are at the top (nobody is selling, yet). Rent and save until you find a distressed seller or the market starts to correct. It's only a matter of time. <strong>TL;DR</strong> January, 2013 is the deadline for the collapse. 30% will be the approximate loss for the first 3 years. After 3 years, the future is very uncertain. Recovery possible, but deeper depression more probable. Here’s a spreadsheet I created to quantify the collapse:
Doom Estimator (Excel)

It’s called the “Doom Estimator.”

I calculated two scenarios – Scenario A and Scenario B.

In both scenarios, I expect household expenses to rise by 20% in 2012, principally led by rising food prices, rising transportation, higher energy costs, higher property taxes (due to significantly higher assessments), and rising maintenance costs.

If you think cost of living can’t rise by 20% in one year, you perhaps haven’t seen the latest gas prices (averaging about $1.25) which are more than 20% higher than the year before. Everything has risen significantly in price, even my bank fees.

The property tax component is one that always takes everyone by surprise. If your property rises in value, it will also rise in assessed value. Therefore, you will pay more in municipal taxes. If you were paying $200 in 2011, you will pay, because of reassessment, about 20-25% more in 2012, or $250.

We can probably also expect interest rates to rise by the end of 2012, if the world hasn’t ended. In Scenario A interest rates rise by 0.5% by then, which I would say is the most reasonable expectation. On a $250,000 mortgage amortized over 30 years, that would add $70.00/month or 6% extra on the monthly payment.

I also expect the affordability ratio to correct back to the historical 17 – 19 level. If that is factored in with the relatively mild and realistic Scenario A, we’re looking at a 32.4% haircut on the value of your property!

If you have a $500,000 house, that means it will need to fall to $338,000. That means if you’ve got a $400,000 mortgage on it, you should probably sell or you’ll end up underwater.

Basically, anyone with a mortgage of more than 67% of their house value now is in serious danger of going underwater in the coming 2-3 years. The remainder will simply watch in dismay as their house (now regarded as personal piggy-bank) falls in value back to 2001 levels.

The collapse will take 2-3 years to go from peak to the “recognition” phase (where people actually admit that there was a collapse), just like in the US (it took from early 2005 – late 2008 for the whole thing to unfold from peak to recognition).

To fix this, we all need to take personal responsibility. If you anticipate that you’ll be underwater, and you do not sell your house or correct your mortgage situation (by making pre-payments) by January, 2013, it will be too late.

To be safe from foreclosure, maintain a loan-to-value ratio (ratio of mortgage to house value) of less than 67% for the coming years, relative to the value of your house in 2011 (the summer peak).

If you are buying a house in this time period, you need to buy at 30% below market value at least. Find a FSBO, a distressed seller, anything. It will be difficult because we are at the top (nobody is selling, yet). Rent and save until you find a distressed seller or the market starts to correct. It’s only a matter of time.

TL;DR
January, 2013 is the deadline for the collapse.
30% will be the approximate loss for the first 3 years.
After 3 years, the future is very uncertain. Recovery possible, but deeper depression more probable.

]]> Comment on Node.js: Microsoft’s Web Empire is Coming to an End by Foo Bar http://www.dacris.com/blog/2011/08/31/node-js-microsofts-web-empire-is-coming-to-an-end/#comment-2086 Foo Bar Fri, 21 Oct 2011 04:51:54 +0000 http://www.dacris.com/?p=602#comment-2086 Are you really not a developer, or did you have a stroke? Most, like 90%, of this article is rubbish. Are you really not a developer, or did you have a stroke? Most, like 90%, of this article is rubbish.

]]> Comment on The Job of the Future by admin http://www.dacris.com/blog/2011/10/18/the-job-of-the-future/#comment-2032 admin Tue, 18 Oct 2011 07:03:22 +0000 http://www.dacris.com/?p=712#comment-2032 The other thing to be extremely mindful of is that the standard of living is limited. I'll repeat that: The standard of living is limited. It cannot be enhanced or extended indefinitely. Once you have everything you need - a house, food, water, basic furniture, neighbourhood recreational facilities - then what? Everything beyond that is 'entertainment.' It is discretionary and you can only accumulate so many entertainment gadgets. Then what? We're now at the last "then what?" This is why capitalism is at an end. Can't grow any more. We reached the last "then what?" The last "then what?" is Information. Culture. Art. Creativity. Pure expression. That's where we're at now. That is the only way forward. That, and automation-sustainability which will be required to fuel the final frontier. Two things are infinite: the universe, and human imagination. That's why it is the last "then what?" The other thing to be extremely mindful of is that the standard of living is limited. I’ll repeat that:

The standard of living is limited.

It cannot be enhanced or extended indefinitely. Once you have everything you need – a house, food, water, basic furniture, neighbourhood recreational facilities – then what?

Everything beyond that is ‘entertainment.’ It is discretionary and you can only accumulate so many entertainment gadgets. Then what?

We’re now at the last “then what?”

This is why capitalism is at an end. Can’t grow any more. We reached the last “then what?”

The last “then what?” is Information. Culture. Art. Creativity. Pure expression.

That’s where we’re at now. That is the only way forward. That, and automation-sustainability which will be required to fuel the final frontier.

Two things are infinite: the universe, and human imagination. That’s why it is the last “then what?”

]]> Comment on Comment Spam and Other Black-Hat SEO Techniques by seo switzerland http://www.dacris.com/blog/2010/08/07/comment-spam-and-other-black-hat-seo-techniques/#comment-1946 seo switzerland Fri, 14 Oct 2011 14:16:58 +0000 http://www.dacris.com/blog/2010/08/07/CommentSpamAndOtherBlackHatSEOTechniques.aspx#comment-1946 Usually, spam comments are those that do not align with the topic of an article being posted. Anyone should be aware of this reality then. Usually, spam comments are those that do not align with the topic of an article being posted. Anyone should be aware of this reality then.

]]> Comment on Neo, Your Training is Now Complete by admin http://www.dacris.com/blog/2011/10/02/neo-your-training-is-now-complete/#comment-1738 admin Sun, 02 Oct 2011 18:52:15 +0000 http://www.dacris.com/?p=647#comment-1738 And I realize now two hard-wired circuits that have influenced my behaviour in writing this article: 1. Desire to ridicule others for being different. 2. Seeking approval of others. I would like to say I have no intention to ridicule those who do advertise themselves as I described here. I don't wish to impose this view on anyone. And yes, I could be wrong. And I realize now two hard-wired circuits that have influenced my behaviour in writing this article:
1. Desire to ridicule others for being different.
2. Seeking approval of others.
I would like to say I have no intention to ridicule those who do advertise themselves as I described here. I don’t wish to impose this view on anyone. And yes, I could be wrong.

]]> Comment on Reforming Capitalism: A Manifesto by admin http://www.dacris.com/blog/2011/09/26/reforming-capitalism-a-manifesto/#comment-1631 admin Tue, 27 Sep 2011 02:23:36 +0000 http://www.dacris.com/?p=640#comment-1631 I just calculated that if we were to apply this just to the top 100 richest Canadians and just 25% of their net worth was idle, we (Canadians) would all receive $80 per month in big fat dividends. That would cover 50% of my grocery bills! I just calculated that if we were to apply this just to the top 100 richest Canadians and just 25% of their net worth was idle, we (Canadians) would all receive $80 per month in big fat dividends. That would cover 50% of my grocery bills!

]]> Comment on Reforming Capitalism: A Manifesto by admin http://www.dacris.com/blog/2011/09/26/reforming-capitalism-a-manifesto/#comment-1629 admin Tue, 27 Sep 2011 02:08:09 +0000 http://www.dacris.com/?p=640#comment-1629 Note - I strongly encourage everyone to forward this to business leaders and people who are currently considered "the wealthy," like Warren Buffett. I have a small amount of hope that we can do this reform from the top (i.e. the wealthy may willingly accept this proposal). Note – I strongly encourage everyone to forward this to business leaders and people who are currently considered “the wealthy,” like Warren Buffett. I have a small amount of hope that we can do this reform from the top (i.e. the wealthy may willingly accept this proposal).

]]> Comment on The Demise of the Anglo-American Empire by tbone http://www.dacris.com/blog/2011/08/16/the-demise-of-the-anglo-american-empire/#comment-1605 tbone Mon, 26 Sep 2011 00:25:07 +0000 http://www.dacris.com/?p=559#comment-1605 from what I am discovering , the world currencies will collapse (including the dollar via hyper inflation) to be replaced with either SDR's or possibly a gold backed currency (if Russia and China can't be bullied into playing the game proposed by the US and its financial backers - these two countries still possess nuclear weapons). Carbon trading will be the next big emerging market paving the way for the wealthy elite to continue amassing wealth and the continual impoverishment of everyone else. Nation states will continue to sell everything they have to private firms thus their role will diminish to the point where all they can do is to ease barriers and conflicts within and in other people's countries against their own peoples. I think. from what I am discovering , the world currencies will collapse (including the dollar via hyper inflation) to be replaced with either SDR’s or possibly a gold backed currency (if Russia and China can’t be bullied into playing the game proposed by the US and its financial backers – these two countries still possess nuclear weapons).

Carbon trading will be the next big emerging market paving the way for the wealthy elite to continue amassing wealth and the continual impoverishment of everyone else. Nation states will continue to sell everything they have to private firms thus their role will diminish to the point where all they can do is to ease barriers and conflicts within and in other people’s countries against their own peoples.

I think.

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