What Dreams May Come

Government enforces it. I don't know how exactly it is in the USA, but in my country there is "land registry", which is maintained and updated by legal courts. Within the registry, every land/house/flat ownership is noted and this registry is also the final instance whenever there are legal battles regarding ownership.

Whenever you take a loan for your house, a bank will want to add a note to the registry that it has first claim to your property in case of not paying, premature death, and so on. So one cannot just give his house to his relatives, as the court will block the transfer when it will see in the registry that the bank has primary claim to it. To do something like that, one must make a deal with the bank that new owner will either pay up the loan or take it on his name.

Jonathan, my heart truly goes out to you. Someone very close to me was diagnosed with stage 3 melanoma a few months ago, so while I can barely imagine what it must feel like to face this, I do know what the medical picture looks like and the information available looks grim.

I don't want to tell you about your disease, but if you haven't yet, please find a way to get evaluated at md anderson. They're in Texas, and possibly the best (at least top four or five) place in the world to be treated for melanoma. And they're one of three hospitals in the country with trials ongoing in TIL therapy (sometimes referred to as ACT), which, having done as much research as a lay person can do, seems to the most promising avenue of treatment with long term response rates as high as 70%.

And just to give you some hope, as horrible a diagnosis as you've been given, there has never been a better time in history to receive it. There are literally new treatments coming down the pipeline every few months.

I think he is just comfortable with his life and can't see out of his own worldview. He believes these things are "bare necessities." This is why I have trouble relating to the middle and upper class and especially this guy.

I grew up poor. Really poor. My friends in the neighborhood had to live without electricity some times because they got shut off because their parents couldn't pay the bill. I thought we were pretty well off because we could afford a car and we could afford to keep the lights on. I thought of a car (any car) as a big luxury item when I was a kid because so many families around me couldn't afford one. I realize now we were also very poor, just not as poor as some of my peers. I believe because of that experience I have a much different outlook on what is actually needed and what one can live like happily if you get out of a certain mindset.

When I see people begging for "donations" to pay off their 19,000 car loan, I am very put off. He could sell his van and buy an older (but still nice) van and save thousands. Ever single financial blog will tell you the first thing you do to save money is downgrade your car. Of course instead of going without or making sacrifices he needs to ask other people for money. He already has a lot more than most of the kids I grew up with will ever have and yet none of us felt entitled enough to beg. I drove a beat up car that was 13 when I retired it for years when I could technically afford a newer one. Why? I'd rather spend that money on life experiences, weekend trips, and visiting friends and family. When I bought a new(er) car (1 year old with 30,000 miles) I was able to pay cash for it freeing me of having a car payment. It is insane that "car payment" is part of our lexicon, especially for someone claiming to have money problems. You can do a real lot without a car payment.

Look up any research on happiness. That van doesn't make you happy, in fact it does the opposite. What makes us happy is not the items in our life but the life experiences we have. When you are sacrificing life experiences for a van you're doing it wrong. He clearly owns a van he can't afford.

As I said before, nobody needs to spend even close to 10K on a funeral. That's a big luxury item.

I currently have two hard working friends with two children who are struggling to make ends meet and making actual real sacrifices (like Internet). Their kids will never have half of what this guy "needs."

I remember going on a trip where we stayed in a cabin at a campsite because it was cheaper, and we packed a cooler full of food for the duration of the trip so we didn't have to spend money on eating out. This trip was a good time for very cheap. They also have all included bus tours/trips which are cheap, I went on a couple of them as a kid too.

Funny thing is my parents are no longer poor. My mom worked a civil service job so she was able to eventually move up to a better paying job and get a pension at retirement. She is now retired.

I think the mortgage is about reasonable though, that doesn't seem too excessive. Expensive but not overly so.

I do feel sad he is dying at 35 and his family has to live without him. However, his sense of entitlement puts me off completely. I thought this was going to be an interesting article not some self entitled guy begging for money.

What that doesn't show very well is that the growth rate is dropping fast. It doesn't show this because the year over year growth rate is already small: 1.1% per year between 2000-2005 according to the UN. As such it's a horribly misleading graph.

UN projects the population to peak in 2075, at a bit over 9 billion, with yearly growth rates having dropped to 0.33% in 2050 based on current trends. Post 2075 they project a population drop as many more countries will have dropped below "maintenance" birth rates, like large parts of Europe.

Remember when they said we'd run out of coal in the year 2000? Or that the ice caps would have melted by 2012?