Thursday, June 18, 2015

Are STocks keeping up with Inflation?


Jus' thinkin' aloud again....
I must say that I have always been more interested in equities than in owning chunks of debt instruments, such as bonds.

But there is a looming threat called "inflation" which is something for which we may just not be prepared.
It's all well and good if our stocks are increasing in "numeric value" representing real capital gains. But if
the average loaf of bread is going to rise to $8 a loaf then, the REAL TIME VALUE of our portfolios must be re-assessed to reflect and hedge against this type of threat of inflation. Large numbers of dollars don't really mean much if it is going to cost a lot more just to get around town, buy your food and support the roof over your head. REAL increase must reflect an increase in REAL buying power....not just the dizzying knowledge of growing numbers on your investment statements.

One of the things I love about stocks, is the proverbial "drip" plans in which one can re-invest any dividends payable and they magically produce more shares to own....without any pesky commission fees.

But how is it going to affect long term investors, if the underlying stock prices do not rise with inflation and the cost of living? Is it possible that a drip will lose "real time value" simply because the share prices do not keep up with the cost of living? I am wondering if even many blue chip companies might be affected by this predicament. For a blue chip company can have a steady positive cash flow and  pay out reliable dividends and still their share price may not be rising as fast as inflation.

It's all well and good to invest long term in equities with the added cushion of DRIPS helping you to accumulate a larger portfolio, but if in the long term those equities do not represent real "BUYING POWER" in which you can tap into into your retirement years....what is the point?

Stocks have to carry clout, and the only way they will continue to carry weight in the eyes of investors, is whether they can be sold at an undetermined point in the future for real dollars,.....real dollars that buy real food, pay for real real estate, and support a decent lifestyle.

I'd be more than eager to hear your thoughts on this matter, my most intelligent readers.
God bless.

Carla

Monday, June 8, 2015

Why Living GLuten FREE still STINKS

It's not that the "gluten free" movement isn't gaining momentum.....it is. It's not that manufacturers are not listening....they are.....at least more than they used to.


It's just that the "frustration factor" is still there.....in full swing.

Gluten free items are not clearly displayed on most menu's. The gluten free products are still awkwardly displayed and located in weird "hard to find" spots in some grocery stores.
 Walmart is the only store I've found with an OBVIOUS and easy to locate "gluten free section".

When you eat out......You still have to make a point to ask your wait staff or server which items are officially gluten free. Some servers still don't know if the gravy that their restaurant serves up contains wheat flour or if it has been thickened with corn starch. These kinda things really matter to someone who is attempting to live "gluten free".

For some, the choice to live gluten free, was not really a choice, but a rather stern and intimidating instruction obtained directly from their doctor.  But whether you're choosing to eat gluten free by your own free will, or by doctor's orders, it still is REALLY HARD.

It's been several years now since I was advised that I was "gluten intolerant"....and I have still not met anyone who has confidently stated that it is an EASY lifestyle....because it just isn't.
Gluten is lurking in SOOOO many foods and snack foods. The detailed labeling of ingredients is really helpful....but hey we are HUMAN too, and we really don't want to spend long and precious hours every day of the week reading teeny tiny lists of ingredients just to ensure that we don't ingest any gluten.

It's gotta get easier. Perhaps they will start making GLUTEN FREE EMPORIUMS where folks have to leave their gluten at the door and they enter a gluten free commercial paradise.
To top it all off......all the products in this GLUTEN FREE HEAVEN, would not only be gluten free, but also priced under $5 per item. Wouldn't that rock????

NOT peacefully gluten free,
Carla


Ok, I'm pretty much done my rant now. But tommorrow's another day.
P.S. Perhaps I'm still ticked off that Tim Horton's cancelled their one gluten free doughy concoction called the "coconut macaroon"...   :(

Thanks for buying my new book Life in the Gluten Free Zone on Amazon today!


Disclaimer: This blog post is intended for conversational purposes only. The blog's author and publisher does not accept any liability for any of the ideas discussed in this post or any other post on this blog. Always obtain medical advice from a licensed medical practitioner.




Saturday, June 6, 2015

The Lure of Consumerism

No this isn't going to be a diatribe about how terrible shopping is....or how we should just stop spending money.

No, today I just wanted to discuss briefly how consumerism can be stealing your focus without you even realizing it.

What does consumerism do? Consumerism is an obsession with "all things bought".
Those who are lured into consumerism inherently despise anything that wasn't purhased with money and hate anything that was crafted or invented at home.

It's not that I'm necessarily advocating that we all become home bodies and spend all our time making home made gifts out of dried macaroni..... I'm simply saying that if you are one of those people who
wants your creativity and inventiveness to flourish, you might just have to resist that "spirit of consumerism" that has beguiled the masses.
Consumers don't create anything....they simply shop for what already has been created by someone else.
Consumers don't invent anything new, because their time is spent trying to please some external and commercialized idea of what is beautiful, effective or intelligent. They will buy what the media tells them to buy, even if it is in direct contradiction to their written goals. Perhaps they don't even have one single written goal at all. They merely live to consume, to purchase....and give all their time and adoration to what others have established.

But I know that there are many "Indie" publishers, writers, crafters, musicians, makers, and inventors and investors who are chock full of new and brilliant ideas. But their ideas are still in hiding because they have not been released through that very precious gift of "focus".

Are you going to give your written goal/goals the gift of focus?

Peaceful productivity,
Carla


Friday, June 5, 2015

Focus is the Perfect Hedge

I've noticed that there's something so ultimately powerful about staying "focused".......a bonus attribute of "focus" that is not often advertised nor understood.

Alright, enough....so what, Carla, is all the hoopla about focus?

Well, let's just say this, focus....... REAL FOCUS is the ultimate HEDGE around your life.

When you know what you want and you have committed all your eggs and all your energies to your chosen goal, there are many irritating folks who will simply give up on trying to distract or draw you down.

Your focus is like a wonderfully high strong wrought iron fence around your life.

Let's make an example. Let's say you have a relative who, for years and for some mysterious reason, seems to relish the act of verbally cutting you down to size, and criticizing much of what you do and even who you are. Well, if you become truly focused on your written goal, there is nothing that that relative can say to you that will ever steal your confidence. He or she will never again be able to steal your joy.

Knowing what you want is so ultimately personally empowering that little can be done to squash the incredible passion and confidence that follows your focus. Focus is everything.
The "gnats" in your life will quickly disappear because they will sense that you can not be touched behind your very high wall of focus. They will choose to pick on someone else more vulnerable and indecisive.

Is any of this ringing true? I challenge you to explore this idea in your personal life....and test it out. I am all ears as to your feedback....the comment section is always open.

Peaceful productivity,
Carla





Friday, May 29, 2015

Raw Ginger..for Day...Raw Garlic.... for Night

As  you meander through life, you may come across certain items that you have discovered to be helpful in keeping you energized and your body revitalized. Two such items, for me, are raw ginger and raw garlic.

Both items though, are very different in nature and can be used at different times throughout your week.

Garlic has a heavy, almost meaty quality to it. It revitalizes and purifies the blood, and cleanses the digestive system, killing bacteria. But it is also very pungent and is better suited to be taken raw before bedtime.
A single garlic clove can be peeled and then chopped or crushes into "swallow-able" size and downed with water or tea. Be sure to drink enough water when you take raw garlic as raw garlic can also give a burning sensation and the water dilutes any harshness the rawness of the garlic brings with it. Water is also helpful for the quickening of the digestive system which always occurs after one has ingested raw garlic.

Some folks encourage the habit of taking one raw garlic clove every night, but not all. Raw garlic, fresh from the clove is a feisty substance and one needs to get to know how their particular body may react to it's active ingredients. Be prepared for any kind of effect which may or may not include a loosening of the stools and urgency to use the bathroom. Note that these effects may not always occur, once your body has become more accustomed to the presence of raw garlic.

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And now for Ginger, yes it can also be taken raw. Raw ginger, after you have just peeled it, has a rather odd stringy juicy texture. Ginger has a more gentle and pleasant taste and aroma when compared to raw garlic, but it is no less feisty in terms of it's effects on the body. Ginger is a sweet success. You can peel it from it's knubby brown state, and then mash or chop it into bits, and swallow just about half of a teaspoon of some of the smaller sized pieces with water. Or you can just add some to boiling water and make a tea out of it.
Ginger has been known for centuries as a digestive aid. That's why our grandmas always endorsed the use of "ginger ale" to help calm down an upset stomach.

Well, that's about all for now. My blurt is done.

Peaceful Productivity,
Carla

Disclaimer: Note that this blog is not intended as medical advice. The ideas in this post and the entire blog are intended for conversational purposes only. Medical advice should be obtained from a licensed medical practitioner. The author and publisher of this blog does not accept any liability for the ideas presented or discussed.

Monday, May 18, 2015

When the Log Becomes Earth


Tip toeing through the forest with my little one, we came across this camouflaged treasure. To walk quickly through this area without paying close attention, one could easily miss it.


Right before our eyes was nature's exquisite example of how it naturally replenishes itself....the circle of life, through the symbol of a tree melting slowing into the earth from which it grew.
Can you see the faint outline of a fallen log?  The mystical and scientific process known as 
decomposition, or "composting" in more suburban terms.... had begun to break down the mighty fallen tree
into a luscious  brown earthy soil.  See the chocolaty shade of the dirt?

I love composting, but i love it even more when nature provides a real life example of what it has done by God's design for thousands of years. This is how the forests and swamps and wetlands continue to create nutritiously rich soils from which to grow more vibrant foliage and trees to house wildlife.

Without this cycle of growth, death and renewal, the soils would quickly become sandy like the desert and there would be little flora and fauna to boast about. And so it was a lovely classroom in which to teach my young one about this precious truth of how God made the earth to replenish itself, without any interference or "help" from mankind.

Peaceful  Day,
Carla

Saturday, May 16, 2015

Knowing What Makes You Happy

The more obscure and kooky, the better, as long as I myself have arranged, designed, knit, glued, or drawn or painted it,.....or written it....ultimately it is the act of being creative that gives me immense joy.

I look around and think through some of the things that I've made over the past year and whether it's some earthy homespun wall hanging or a kooky cheapskate blog post, or a way to up-cycle an old chair or iron flower trough....I love them all, because I myself "thunk" them up. Sometimes it's just about gathering
up some lovely enormous pine cones, still coated in sticky white pine tar, and arranging them in a bowl for a table top. All the while, staying thoughtful, peaceful and philosophical and sharing the tidbits of wisdom I discover in my journey.

Sometimes it's about getting back to basics and using what I have on hand or using something utilitarian such as "jute" twine and re-purposing it into something I can use .......like learning  how to knit rugged earthy looking place mats.

(By the way if you want to learn how to make them....it's really super easy: You can buy plain brown colored jute in most dollar stores or you can sometimes find it dyed into red or green.
You simply use a basic garter stitch and load up the desired width of place mat you are trying to create and thereby choose the right amount of stitches to load onto your knitting needles. I tend to use metal circular needles because I like how they work fast, and how the jute slips easily off the metal needles. Then you just keep going with your garter stitch until the place mat is the size you want it to be. 
Then cast off the stitches, and you can duplicate the process to produce a whole table setting's worth of earthy jute place mats.


Note that jute is a very rough material to knit with and it does feel rough on the hands and also does shed while you are working with it.  These kind of place mats are best used in a rugged setting such as for camping or cottaging....because the jute continues to shed and wouldn't match a fine china type of decor.)

Well that is just a snap shot of some of the stuff that makes my day.....the heart of which is simply the "opportunity to be creative with anything I fancy" 

May this day bring you another glimpse into what brings you true joy.

Peaceful productivity,
Carla