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Title: Dan or Del Post by: MarkInTx on October 16, 2002, 04:00:00 AM This "Del Document" keeps being mentioned, and I think everyone wants it now. How big is it? Can it just be put here as a post? I would certainly love to read it! Who has it? Title: Thanks Rory..... Post by: Del on October 16, 2002, 04:00:00 AM ... in response to Dan or Del, posted by MarkInTx on Oct 16, 2002
and this is qualified with "You may differ and your circumstances may differ". I wrote this to try to help some friends in Ukraine understand that it's not like 'Santa Barbara' for everyone here - most work very hard to keep their heads above water. And, I tried to open the door for more detailed and in-depth discussions about "money". My experience has been that the expression 'money burns a hole in their pockets' is quite apt. If you don'y agree with what I wrote that's fine with me - I didn't write it for you then. :-) Title: Re: Thanks Rory..... Post by: Zink on October 16, 2002, 04:00:00 AM ... in response to Thanks Rory....., posted by Del on Oct 16, 2002
Maybe I should have added a "copyright 1999 Del" at the end. I've showed that paper to several different people some seemed to understand. Others said that they understood but I could tell they didn't. One thing I've found is that many Russians have interesting ideas about saving for the future. To them an investment is buying something gold so that it retains it's value, not saving money. But then with their economic history can you blame them for not trusting in banks and governments? Russia isn't Canada. What works there may not here and vice versa. Title: Santa Barbara Post by: JR on October 16, 2002, 04:00:00 AM ... in response to Thanks Rory....., posted by Del on Oct 16, 2002
I had to laugh when I read that :) I had the same experience with the "Santa Barbara" thing. Women I met asked questions about that show and I think some were disappointed to hear thats not real for most of us. There was one guy over there who it was quite real for, though. He threw money around like there was no tomorrow, too!! In the end he got what you wanted/deserved.. If he seen a doctor, I'm sure it has cleared up by now :)) Title: And, thanks to Dan for the..... Post by: Del on October 16, 2002, 04:00:00 AM Title: Russian version Post by: Zink on October 16, 2002, 04:00:00 AM ... in response to Dan or Del, posted by MarkInTx on Oct 16, 2002
Урок 1. Концепция «чистого дохода» очень важна. Человек получает доход в результате своей работы, или из других источников, таких как «проценты» или дивиденды. Эти два источника имеют место, когда деньги работают на него нее. В северной Америке доход облагается налогами (для оплаты деятельности правительства). Потом, у каждого есть свои расходы (установленные и изменяющиеся), человек должен расходовать деньги дабы продолжать жить. После того как все расходы учтены, оставшееся часть называется «чистый доход». Чтобы жить человек устанавливает четкие расходы (такие как оплата за дом и теплоснабжение, водоснабжение, страховки и т.д.), и изменяющиеся расходы ( питание, одежда, развлечение и т.д.). Оба этих вида расходов находятся под влиянием уровня доходов. Если расходы в общем больше чем доходы (минус налоги), результат «долг». Вы должны понимать, что это неразумно тратить больше чем зарабатываешь (после вычитания налогов). Вы так же можете заметить, что чем более разумно человек устраивает (организовывает) свои «установленные расходы», тем больше денег ему остается на «изменяющиеся расходы». Сумма, которая не используется для покрытия «фиксированных затрат» и «нефиксированных затрат», называется «чистый доход». Чистый доход может называться разграниченный доход потому, что у человека есть выбор как распорядиться этими деньгами. Человек может распорядиться этими деньгами как пожелает развлечения, путешествия, может оставить часть суммы на постройку «гнезда». Человек также может инвестировать эти деньги - тогда, деньги начинают работать на инвестора, приносить дивиденды. Очень немного людей в Северной Америке получают чистый доход. Большинство людей повышают свои «фиксированные затраты» и «нефиксированные затраты» по мере возрастания своего дохода. Они покупают больший дом, более разнообразно питаются, покупают более новую и большую машину, и т.д. Очень немного Северных Американцев получают «чистый доход» более чем 1000 долларов в месяц. Большинство живут «от счета до счета», что означает, что у них нет резервов на непредвиденные расходы. У многих людей очень большой долг, и когда у человека есть долг, то он выплачивает проценты по долгу (еще один фиксированный расход). Например одно недавнее исследование в Канаде показало, что средний «чистый доход» составляет примерно 280 долларов в месяц. Это означает, что это та сумма, которая остается у семьи после всех расходов. Как вы успели заметить расходы растут параллельно доходам. Урок 2. Title: Re: Russian version Post by: robobond on October 16, 2002, 04:00:00 AM ... in response to Russian version, posted by Zink on Oct 16, 2002
I think that when using e-mail, unless the sender and receiver are both set up for Russian (Cyrillic) fonts, these are the kind of hieroglyphics that come through - i.e., you may be typing and sending in Russian but the planet-love.com board is not set up to receive in Russian... "Урок 1. Title: Had same problem..... Post by: oldbutspry on October 16, 2002, 04:00:00 AM ... in response to Re: Russian version, posted by robobond on Oct 16, 2002
I just clicked on View. Then went to "Encoding" on the drop down menu and selected "Cyrillic". Then I could read it with no problem. Title: Re: Had same problem..... Post by: robobond on October 16, 2002, 04:00:00 AM ... in response to Had same problem....., posted by oldbutspry on Oct 16, 2002
Oldbutspry, you're a gentleman and a scholar! It worked! What a simple solution! I have a high speed ATT cable internet connection but I still use AOL's email system, services, & browser (because I'm too lazy to change after all these years) I've never noticed it before but it does not have a 'View' heading on the toolbar. So I popped on Internet Explorer and used their format to log back on to the planet-love board, then I followed your instructions & voila! Thx for the easy to follow help. Now if I could only read Russian....... LOL :) Bob Title: Re: Re: Russian version Post by: Zink on October 16, 2002, 04:00:00 AM ... in response to Re: Russian version, posted by robobond on Oct 16, 2002
I've been having trouble with the encoding on my computer lately. But I've learned some tricks on how to send in cyrillic. I can read it fine. Are you sure that the problem isn't at your end? Have you changed your web browsers encoding to Cyrillic Windows-1251? Title: Re: Re: Re: Russian version Post by: robobond on October 16, 2002, 04:00:00 AM ... in response to Re: Re: Russian version, posted by Zink on Oct 16, 2002
Well, it sure didn't take you long to zoom over my head! The problem may very well be at my end but I don't think so. Awhile back I put Cyrllic fonts on my computer -- also I bought some software which let's me type Russian on my word processor -- also translate EnglishRussian & RussianEnglish & print it, but I've yet to get into e-mailing any of this stuff. If no one else got jibberish, then, yup, the problem is here. HOW ABOUT YOU OTHER PEOPLE? I just assumed that since love-planet was the recipient of your e-mail, the problem would be there... I'm pretty well versed in computers as my first was a 286 that used 5 1/2" floppies! BUT, I'm a total greenhorn on this particular subject. Anyone out there wanna give me some ABC (retard level) lessons? How do I change my web browsers encoding to Cyrillic Windows-1251?.. and do you have to do this manually or, once changed, will it do it automatically? Title: Re: Re: Re: Re: Russian version Post by: Zink on October 16, 2002, 04:00:00 AM ... in response to Re: Re: Re: Russian version, posted by robobond on Oct 16, 2002
When it comes to computers it's usually me that needs the ABC (retard level) lessons. But I have figured out how to stumble my way through encoding problems. You've already installed the fonts so I'll skip that. If you're using Netscape click on Nothing to it. Title: Re: Re: Re: Re: Re: Russian version Post by: robobond on October 16, 2002, 04:00:00 AM ... in response to Re: Re: Re: Re: Russian version, posted by Zink on Oct 16, 2002
Zink, problem solved [I wish they all were that easy!] - see my above post to oldbutspry. Bob Title: You're Right - It's in the Browser Encoding . . . Post by: Dan on October 16, 2002, 04:00:00 AM ... in response to Re: Re: Re: Russian version, posted by robobond on Oct 16, 2002
On the recipient end. I see and read it just fine. - Dan Title: English version Post by: Zink on October 16, 2002, 04:00:00 AM ... in response to Dan or Del, posted by MarkInTx on Oct 16, 2002
The concept of 'disposable income' is very important. One earns "income" from one's work, or from some other sources such as "interest" or "dividends". These last two sources are where one's 'money' is working for him or her. In North American, 'income' is taxed (to pay for all the government activities). Then, one has expenses (fixed and variable) that one must expend funds on in order to live. After one's 'living expenses' are addressed, the remaining balance can be called 'disposable income'. In order to live, one has both 'fixed expenses' (such as housing, utilities, insurance, etc.), and 'variable expenses' (such as food, clothing, entertainment, etc.). Both these expenses are effected by the level of 'income'. If one's 'expenses' total more than one's income (minus the taxes one must pay), the result is 'debt'. You can readily understand that it is unwise to expend more than one receives as income (after taxes are deducted). You can also see that if one manages the 'fixed' expense carefully, there is more left for the 'variable' expenses. The amount not Disposable income might be called 'discretionary income', because one has choices in the usage of these funds. One can spend these funds for entertainment, travelling or such, or, one can save a portion of these and build up a 'nest egg'. One can also save some of these and 'invest' them - then these invested funds begin to 'work' for the 'investor', earning interest or dividends. Very few people in North America have large 'disposable' incomes. Most people will increase their fixed and variable expenses as their own income increases. They will purchase a larger house, eat differently (maybe eat out For example, one recent survey in Canada showed that the statistical average for 'disposable' income was just under $180.00 per month. This means that the average Canadian family had this amount left from income, after taking The average industrial wage in North America is $36,000 per year. ($3,000.00 per month). The average taxes for a couple with two children is 24% or $720.00 per month. When these taxes are deducted (they are mostly withheld A couple can rent an apartment or house, or, they can 'buy' a condominium or house. There is a big difference between here in North America and there in the Ukraine, because when a couple 'buy' a house or condominium in North America, they will usually take out a "mortgage". This means that they finance the difference between their 'downpayment' (usually around 10% for the first home) and the full price of their purchase, and this amount These "housing costs" amount to an average of 30% of gross income (30% of $3,000.00) per month, or some $900.00 per month. When we take this away from the "take home pay", we see that only $1,380.00 is left! Now we look to what I term 'variable expenses". From this $1,380.00, the costs for "transportation" must be deducted. With very few exceptions (and excluding the middle of large cities) you will find the 'public From this $780.00 per month, our couple must purchase 'groceries' (which, for most also includes cleaning supplies, basic self-care items and such). This can easily be between $400.00 and $500.00 a month for a couple with two Also, when one's wages go up, most people's 'expenses' are increased as well. This is 'the American Dream'. The consumer is subjected to a barrage of 'marketing' and 'advertising' to convince them they "need" things. The It is almost 'heresy' to suggest that people 'scale back' their 'wants' and 'needs' so that they can 'get ahead'. Those who fully understand the 'system' and are able to make it work for them, instead of against them, are much better off in the longer run. This takes an understanding and a willingness to 'buck the system', and most can't or won't be 'bothered'. Therefore, most are 'slaves' to the system! And, living in what I call a "hand-to-mouth" lifestyle. For most who have family Overseas, a trip to visit "the family' is limited to one trip every two or three years (and this, after much 'scrimping and saving'. It's not all 'doom and gloom', however. If one understands 'the system', and is willing to make the necessary "sacrifices', one can 'break free' and then become more independent - it does however, take a good knowledge of the Title: Thanks n/t Post by: MarkInTx on October 16, 2002, 04:00:00 AM |