Wednesday, July 18, 2018


Ship Of Fools
By Jim “Gymbeaux” Brown, July 18, 2018
NOTE:  Anything in BLUE and underlined is a searchable link

 "When the day comes for technology to take over the world, we will have bread a generation of fools"


Can you find Australia on a map?

What about the Germany, it’s been in the news of late?

Do you know where Panama is located?

Can you name the Super Volcano site that poses the greatest threat to North America?

It is my guess that if you were born BEFORE 1962, you would have no difficulty locating countries, oceans, cities, large bays on a map of the world.  If you were born AFTER 1962 there are no guarantees you could.  What is so special about 1962?  Something significant DID occure in 1962 that is addressed further in this Nugget.  Otherwise, nothing is signification about the date. I just selected that date as an arbitrary date when our schools seems to have shifted in what subjects are being taught to our children and how they are being taught.  If you were born in 1962, that would make you about 5 years old in 1967 when most children born in 1967 would begin their formal education; some in private schools, some in public schools.

If you take just a couple of minutes to watch the video contained on the link below, you may or may not be surprised as the answers students, some in college, gave when asked to identify locations on a world map.  If you don’t watch the video, this Nugget will have far less meaning:


Personal Computers:  This is what an Internet search indicated in regard to the advent of personal computers:

Home computers were a class of microcomputers entering the market in 1977, and becoming common during the 1980s. They were marketed to consumers as affordable and accessible computers that, for the first time, were intended for the use of a single nontechnical user.

Smart Phones:  An Internet search indicated the following in regard to the advent of the smartphone:

It was the world's most widely used Smartphone operating system until Q4 2010, though the platform never gained popularity in the U.S., as it did in Europe and Asia. The first Symbian phone, the touch screen Ericsson R380 Smartphone, was released in 2000, and was the first device marketed as a "Smartphone".

Consider this from Brad D. Smith who is an American businessman and the president, chief executive officer and chairman of Intuit, Inc.

“Millennials, and the generations that follow, are shaping technology.
This generation has grown up with computing in the palm of their hands.
They are more socially and globally connected through mobile Internet devices
than any prior generation.
And they don't question; they just learn.

But do “they just learn?”  I question that part of Mr. Smith’s statement above.  If you can just press a couple of buttons on a computer keyboard or on a Smartphone and get an answer to your question in a fraction of a second, are you actually learning anything?  It has been my experience that when something comes so rapidly I question how long the conscious brain retains the information sought.  You be the judge.  If you hear that the war in Syria has escalated, do you know where Syria is located and why anyone should be concerned about a war so far away?  If you don’t know where Syria is how do you know it is so far away?  You ask Google or Siri and get an immediate answer, then what?  Do you remember the answer or do you think, I can always ask again if I need to know?

Why should anyone learn where continents and countries are located on the planet?  Why should anyone learn where some of the larger world cities are located?  The world is concerned about nuclear weapons in North Korea.  Can you locate North Korea on a map?  A lot of folks will consider such a question as being ridiculous.  Really?  Watch the video link above and then think again whether this is a ridiculous question.  If today’s Millennials don’t know where North Korea is located, how can they appreciate the threat that may or may not exist should North Korea continue to develop nuclear weapons that could reach America?

“Man on the street” interviews are frightening.  The stupidity that is on display is beyond description or understanding.  College students have demonstrated they do not know the significance of July 4th.  They cannot identify the countries that fought in World War II.  They do not know from which country America gained its independence.  It is sad, truly sad.

Some have referred to is as the dummying down of America.  What caused this to occur?  Is it the curriculum of our schools?  Is it that most students totally rely upon their computers and smart phones to find immediate answers?  Or is it a combination of both?

I don’t know what our schools are teaching students in 2018.  I do know what I see and I don’t like it.  I do know that people of all ages have become addicted to their computers and smart phones.  Someone once said to me, look at the time you (me) spend on your computer; that is true.  But I use my computer to write, like this Nugget.  How many people today write about anything? I also use it to read books on Kindle, Goodreads, Nook, etc.  Yes, I check emails on my compuer and spend short periods of time on Twitter and Linkedin but as I realized how much of my time those sites have taken up, I have spent less and less time on them. 

From personal experience I know with certainty that because of my computer and spell check I am no longer the speller of words that I once was.  I have come to rely on spell check and that alone has taken its toll on my ability to correctly spell words.  Look around you.  I seriously doubt that people sitting in a restaurant looking at their Smartphone are reading a book on their phone.  No, they are more than likely checking emails, tweeting, texting or playing games.  You know I am right.  I recently saw a family of five at a restaurant and all five members had their heads buried in their phones.  Have you noticed that when people talk on those devices, they talk louder as if the other person cannot hear them?  I certainly can hear them, how about you? 

Manners/Civility:  People need to take a step back and think about what has transpired in society over the past 10 to 20 years.  If they do, they will discover that progress is not always progress unless of course you like stupid children and an overall impolite society.  Want to know what a famous American thought about civility, read President George Washington’s Rules of Civility:


I am positive that Washington would amend those rules by adding an entire section on the use of electronic devices in public but especially when in the company of friends and family.

Where exactly do YOU draw the line?  Is it the same line your parents would have drawn when you where a child?  I seriously doubt it.  You can’t help but see incivility everywhere.  For example, consider the last time you went to a nice restaurant.  Where any patrons on their devices?  How many were wearing flip-flops, cut off jeans, tank tops, t-shirts or worse, t-shirts or tank tops with vulgar sayings/photos on them?  How many wore baseball caps and never took them off? During prom season we went out to eat and saw a parade of teenagers come through the restaurant. With very few exceptions with every couple the young lady was dressed up as if it WERE Prom Night and the young man dressed as if it were an afterthought.  Been to a wedding lately?  How many men have showed up wearing a short sleeve sport shirt as if they were going fishing?  Civility died somewhere over time; just hasn’t been buried as yet.

I cannot speak for the rest of the world and maybe not even for locations other than my immediate area.  Still I feel safe in generalizing when I say the Ship of Fools has sailed to ports unknown and like a ship without a rudder it will end up in a lot of places it may not want to go.  With that in mind, here is my favorite poem written by the very famous writer “Unknown:”



WHERE ARE YOU GOING?

High in the Sierra Mountains lives an old man
Who from his hermitage looks down in pity
Upon other men of higher mental aspiration.

One day he rescued a little group of Swiss mountaineers
Lost in the mountains’ fastenesses
When told were they were they exclaimed in disbelief,
“But how did we get here?”

To which the old hermit replied,
“If that question ain’t got no answer attached to it,
I ain’t got none that fits.
If you is goin’ anywhere in particular
Up here, yu’d better figger fust how to get thar.
Cuz by jest goin’ afore ya know where yere agoin’
Ya can get to a powerful lotta places ya might not wanta be.”

Author Unknown, pity

Do you know what happened in 1962?  From the Internet: 

On June 25, 1962, the United States Supreme Court decided in Engel v. Vitale that a prayer approved by the New York Board of Regents for use in schools violated the First Amendment because it represented establishment of religion.

Prayer in schools was banned as a result of this decision by our government.  Every decision has consequences, some good, some bad.  In this regard I would strongly encourage you to read Michael Dunn’s book, What’sThe BIG Secret?  You can obtain a free copy on his web site at:  http://www.mikedunn.info/free.html  It is an excellent book but more importantly is what Dun writes about in regards to the consequences of removing prayer from our schools in Chapter 20.

Chaper 20: What Happens When We Ignore The Conscious?  Conscious in this regard is the voice people hear that informs them that what they are about to say or do is considered right or wrong.  Without a conscious, being right or wrong occurs more by accident than by design.  If a child is NOT learning right from wrong in the home, or, if they do not learn it by attending Church, exactly where do they learn it and from whom is it being taught.  Using the smartphone as an example.  Who said it was permissible to use your smartphone in a crowded restaurant disturbing the environment for everyone?  Who said it was permissible to rob a convenience store?  Who said it was permissible for protests to turn into riotous mobs ransacking businesses as if the business owners could afford it?  Who said it was permissible to attack innocent people on a city street?  The list is endless and you can add whatever upsets you.  In 2018 people no longer seem concerned about the happiness and wellbeing of others in society.  At the risk of upsetting people who read this, consider the Black Lives Matter Movement.  Who said that ONLY Black Lives Matter?  I was taught that ALL LIVES MATTER.  But if you want proof, just look at the number of murders/shootings in Chicago.  Why does that happen?  It is very simple, no one’s life matters to the person pulling the trigger.  Where did the shooter learn that?  Shootings in America have become so commonplace that if you watch just the local news you would be totally unaware of the number of murders in Chicago.  For the record, in 2017, Chicago accounted for 22% of a nationwide increase in murders last year (2017).  https://www.economist.com/democracy-in-america/2017/09/26/chicago-accounted-for-22-of-a-nationwide-increase-in-murders-last-year   From What’s The BIG Secret?  It may be too small to properly see but you can see it in the free book on the above site.  Just look at the increase in the bars from the point at which prayer was removed from our schools and you be the judge.  Actions have consequences!



I am well aware that this Nugget is a “dark outlook” on America but someone has to say it.  How do you reverse course?  One person at a time and it begins with parents actually parenting.

UPDATE:  In view of several criticisms of this Nugget in regards to an presumed assumption on my part that our education system is failing its students, I have compiled several reports, not my opinions, that support the fact that college graduates are not prepared for the workplace.  That is a failure in our education system, no my opinion.  These links represent only a fraction of the reports listed on a Google search.  Check for yourself, then you decide.

REPORT ON STUDENTS’ PREPARATION FOR EMPLOYMENT

EMPLOYERS:  COLLEGE GRADUATES NOT READY FOR WORKPLACE

DOES COLLEGE PREPARE STUDENTS FOR THE REAL WORLD

STUDENTS ARE BEING PREPARED FOR JOBS THAT NO LONGER EXIST

STUDY:  COLLEGE GRADS UNPREPARED FOR WORKPLACE

TOP FIVE SKILLS EMPLOYERS SAY RECENT GRAD LACK AND HOW TO LEARN THEM

WHY ARE SO MANY COLLEGE STUDENTS FAILING TO GAIN JOB SKILLS BEFORE GRADUATION?

CONFRONTING THE SKILLS GAP – ARE HIGH EDUCATION GRADUATES CAREER READY?

COLLEGE GRADS AREN’T FITTING INTO THE JOB MARKET, AND HERE’S WHY

WHERE COLLEGE SENIORS ARE FALLING SHORT


Saturday, July 14, 2018



TOP FACTORS IN GETTING

TOP DOLLOR FOR YOUR HOME
By Jim “Gymbeaux” Brown, July 14, 2018




If there is one thing I have learned that is far more valuable than anything else learned in over 33 years in the real estate business it is that honesty is truly the best policy whether you are the buyer, the seller, or a real estate agent. PERIOD!

“Mr. & Mrs. Seller (or Buyer), I need to know. 
Do you want me to tell you what you WANT to hear,
or do you want me to tell you the TRUTH?”

That was the question I would ask any seller or buyer I worked with.  The answer given was always the truth but in my heart I knew some of them preferred to hear what they wanted to hear.  This Nugget is what I truly believe to be the truth of pricing your home to sell.

The second best thing I learned during all those years is that Homeowners truly believe their homes were worth more than they were worth and that sellers believed homes were worth far less than what the sellers believed. 

I recently saw this question posted in the local newspaper.  How do you get top dollar for your home?

That is at the very heart of the dilemma is it not?  How DO you get TOP DOLLAR when you sell your home?

The answer is so simple to understand yet so misunderstood by most if not all homeowners.  Let me draw you a mental picture.

Your home has so many square feet of living area.  It has so many bedrooms.  It either has a formal living room AND a formal dining room or it doesn’t.  It has a den or it doesn’t.  It has fireplace, a pool, a fenced back yard, a double car garage or it doesn’t.  It is relatively new, old, or somewhere in between in age.  The list of amenities and features in your home is virtually endless.

But your home is most likely similar to homes in your area that have ALREADY been sold AND more importantly the sale CLOSED and is now a matter of record.  The question for sellers is this.  Would you pay MORE for any item of interest than it has been proven by the MARKET to be worth?  For example, if you want to buy a diamond, diamonds can be very similar but no two diamonds are alike.  If the diamond you like sold for $5000, would you be willing to pay $6000 for it?  I would imagine you would jump at the opportunity to pay just $4,000.  This is where TIME and ABUNDANCE enters the picture.  If TIME is important to you, the answer may be yes if it would take you more time than you had available to find another diamond being sold for $5,000. That is the importance of immediate availability.  If there were diamonds all over the market area for $5,000, why would you pay $6,000 ONLY because it was right there in front of you?  You wouldn’t pay $6,000 and you and I know it.

Homes are no different.  No two homes are identical even those built in a subdivision where the builder may have had only 5 floor plans to select from when they were first built.  Owners then do a lot of modifications to those homes to make them like THEY like them.  They may have upgraded the carpet or added hardwood floors or ceramic tile.  They may have added an in ground swimming pool.  Even from the very construction no two homes in the neighborhood were identical.  Something in each one said “I’m different; buy me!”  That is one way to get Top Dollar for your home.  Be different in a good way.

So, to answer the question, how does a seller get top dollar for their home?  The Sellers MUST, I repeat, MUST understand that the seller does not set the sales price for their home – THE LOCAL REAL ESTATE MARKET DOES!  It is really that simple.  But the key phrase “Market Does” there is that one word LOCAL.  Local in this case may mean your very specific subdivision.  Not the one across town or even a half mile away –  it’s within YOUR SUBDIVISION (if you live in a subdivision).  Of course there are exceptions such as the fact that your home may not have been built to the same standards, let us say 2000 to 2500 square feet of living space.  Your home may of have had an addition or it may have been built by a different contractor and now contains 3500 square feet of living area.  In other words, your home no longer can be compared to other homes in your immediate subdivision.  Still, the sale of those homes in your immediate subdivision has a tremendous influence on the price your home will eventually sell for.  There must be something in your home that would drive a buyer to be willing to buy a home that is somewhat less in value because it is not amongst homes that ARE DIS-SIMILAR to your home.  Disclaimer, my home is such a home.  It has 1000 square feet of living area MORE than any other home in my subdivision.  That is not good for me.  But I like my home and I understand how it is valued and bought it anyway because everything else about the home just fit me and my family at the time.  Any other buyer, probably not so much.

In order to get TOP DOLLAR for YOUR home it MUST first be in tip top condition.  No one wants to pay top dollar for a home that requires attention or modifications.  How do you get a home in tip top condition?  You the owner must first stand out on the street and observe your home as a seller would for the very first time.  What do you see?  You must look at it with eyes that are seeing it for the very first time not as you know it to be.  Does it have a great curb appeal?  Are there any obvious repairs needed like painting, new shutters, landscaping, etc.?  What does the rest of the immediate neighborhood look like?

Your next step is to go through each room in your home and do the exact same thing.  Look at each room as a potential buyer with the buyer’s eyes.  This is the first time you are seeing each room as a buyer would.  Then the garage if you have one.  Then the back yard if you have one.  Never overlook the neighbors’ homes if you have them.  What do the neighbors homes look like?  Example, would you be willing to buy YOUR home if your NEIGHBORS have cars up on blocks in their driveway? My guess is probably not.

The above procedure is NOT an option, it is a mandated necessity. Go through the procedure with a note pad and write down everything you see that a buyer might object to and then identify those areas that can be fixed to put it in tip top condition.  For things that either cannot be fixed or you do not desire to spend the money to fix them, you must adjust your mental value of your home downward. 

Think of it this way.  Is your home at the very top end of the price value of similar homes in your area?  Is it at the bottom price value?  Or is it somewhere in between.  Not many homes that go up for sale are ever ABOVE what the highest most recent sale was just as not many are below the lowest price a home sold at.  Most homes are somewhere in between the highest and lowest.  Given the condition of your home, make a judgment as to where on that sale line does your home fall as it is now not as it could be with some improvements – more towards the top if not at the top or more towards the bottom if not at the bottom?

HIGHEST PRICE ____________________________________ LOWEST PRICE

Then YOU have to ask yourself, what can I reasonably do to move my home along that price line to make it more attractive to a buyer thus a higher market value than as it currently sits on that line?  The following are some tips; some of them cost money, some cost elbow grease, all require action:

  • Cleanliness – thoroughly clean your house
  • Cleanliness – consider hiring a professional house cleaner
  • Stage Your House – you probably have been to “model homes”, you have seen how they appear.  They have been staged to make them look their best in a potential buyer’s eyes.  It is not difficult but it is not obvious and your tastes may not be what are currently selling.  Consider hiring a professional Home Staging Expert, they are not that expensive.  Or ask your REALTOR®.  You do have a REALTOR® I hope.  If they are proficient in Home Staging and take his or her advice.
  • Paint – fresh paint is oftentimes the only thing that needs to be done.
  • Woodwork – dusted and repaired as may be indicated.
  • Kitchens & Bathrooms – they oftentimes are the selling points of a house.  Make sure they are spotless and bright. 
  • Hardware – don’t laugh at this but one of the first things a buyer sees when coming to view your house is your front door and the front door handle.  Does it look new and shiny or old and worn?  As the buyer goes through your house, they cannot help but see the door knobs and hinges on the doors.  Old rusty hinges and door knobs show an inclination of “needed maintenance” and a buyer mentally asks, what else needs to be fixed in this house?


You may not have picked up on a very slight difference in language above.  Do the words House and Home mean the same thing?  In one sense yes.  But in a more important sense no.  To most people the word HOME means something warm and fuzzy whereas HOUSE does not.  You live in a HOME but you sell a HOUSE.  You, the homeowner, need to stop thinking of all the “warm and fuzzies” you created while living in your Home.  You now need to think more like you are just selling an object, a HOUSE.  If you continue to think of your HOUSE as a HOME your mind may consider the comments of a buyer to be offensive and actually lose a sale.

For Sale By Owner vs. REALTOR®.  Yes people have sold their home without the services of a REALTOR®.  Given the propensity of people today to take legal action against anyone and everyone, if you attempt to sell your home without the services of a real estate agent, I am suggesting you are walking a tightrope without a net.  Real Estate Agents are fully aware of the legal pitfalls of selling what most people consider their single greatest asset.  People are buying their single greatest asset.  Neither one take kindly to the misrepresentation of the other in the sale of real estate.  It is your decision so decide wisely AND based on CURRENT real estate market conditions.  Having been in real estate I would not attempt to sell my home myself.  Besides, homes sold through real estate agents tend to attract qualified buyers and have routinely sold at higher prices than prices received by owners who sell their homes without a real estate agent.  Besides, more than 70% of all real estate sales involve a real estate agent(s).  Don’t take my word for it, check out the sales yourself.

It all comes down to this.

  • Your home is only worth what someone else is willing to pay for it
  • Your home is only worth what a mortgage company is willing to lend to a buyer to enable the buyer to buy it
  • Your home is ONLY worth what a qualified real estate appraiser indicates the market value to be, and the mortgage company accepts
  • Your home is worth whatever a buyer is willing to pay with CASH (without a home loan/mortgage) regardless of its market value UNLESS the buyer obtains an appraisal from a qualified real estate appraiser.  Then it is doubtful the buyer would pay more cash than the appraiser indicates its value to be
  • Your home is probably NOT worth what you may THINK it is worth because homeowners typically think their home is the best on the market and therefore worth more than the market would indicate.
  • Your home is probably, actually most likely, not worth what your neighbor SAID their home sold for or what it is worth because they either don’t really know or they don’t want you to know the truth.  They don’t know the real estate market and that’s a fact
  • Your home is definitely not worth what some distant relative thinks it’s worth even if that relative is a real estate agent but lives a great distance away.  They don’t know the LOCAL real estate market
  • PERIOD!


Getting top dollar for your home means pricing your home properly and within what the LOCAL real estate market would indicate and justify.  There are always exceptions to the rules and this advice is no exception.  Of course I could be wrong but I’m not.  Over 33 years of real estate experience tells me I am not wrong on this advice.

If you want a booklet on Staging Your Home For Success, email me at JimBrown@gymbeaux.com and all you need to do is put STAGING in the subject line and the booklet is yours.  You must have Microsoft Word and software that can read/open a Word produced document.