Cost of Living 1954

How Much things cost in 1954
Yearly Inflation Rate USA 0.32%
Yearly Inflation Rate UK 1.9%
Average Cost of new house $10.250.00
Cost of a gallon of Gas 22 cents
Average Cost of a new car $1,700.00
Average Monthly Rent $85.00
Movie Ticket 70 cents
Life Magazine 20 cents
The Dow Jones recovers back to pre Wall Street Crash highs of 381.17



Will Transition to Obama be like Hoover's from Coolidge?
2008 US median existing home  = 183,300
1928 Us median home =              1200
1928 Average salary =               3,000
2008 average salary =              40.000

Home prices shouldn't exceed the average annual salary!!!!
Hoover and Obama both have high debt level for consumer and business.  Greed is the last cycle of a bull market.  Lower prices(deflation) are good thing for the economies.    Spending vs Saving















first full moon of summer 2008 



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                   Play chess online      Games on line
The Great depression II                         Senter Galleries
          Dow Jones
Dow Jones 10/15/2007

Why are runners  more stupid  than deers?

     Deer will get out of the road.
      Runners didn't learn a vital information from thier parent.  Don't play in traffic!
         Runners run against traffic!
           Runners should get  license plate to cover up thier fat rear end if they continue run in the street and obey the rules of the street!!!

Divorced people can't be trusted because their break the most important contract in life marriage!!!!!!!!!!!!!
The conjugal union of man and woman, contracted between two qualified persons, which obliges them to live together throughout life.
People who keep their word are trusted and admired who do not  one regarded like  garbage , Those who break their word often never get another chance.
One should never permit another to give his or her word lightly and shall insist that when a promise is made it must be kept.

                                   
Skiff Removal Notice Highlights Town Landing Access Problem in Chatham, MA between want-to-be-rich- liberal and Year round resident!! 

Public Access to the Ocean and Private Property

Private property in Massachusetts is typically owned to the low water mark, but the Commonwealth of Massachusetts owns lands below the low water mark. Moreover, Chapter 91 of the Massachusetts General Laws preserves the public's right to "fish, fowl, and navigate" waters of the Commonwealth, including lands in the intertidal zone (between the high and low water marks), even if it is privately owned. This law does not convey the right to cross private property or uplands to reach these areas. Some Chapter 91 licenses provide for public access to intertidal areas across intertidal areas.

Is it true that the beaches in Massachusetts are owned all the way down to the low tide line?

Each state has its own laws regarding who owns the beach. In most coastal states, the public owns the land seaward of the high tide line, and in some states public ownership extends even higher. In Massachusetts courts have consistently ruled that in the 1640s we gave away title to the land between the mean high tide line and the low tide line to the adjacent upland owners. Therefore, this area, known as the "intertidal zone" or "wet sand area" is generally privately owned in Massachusetts.

 he law states that the coastal homeowner owns the land all the way to the low tide line, but the low tide line changes every day. What low tide line does the law refer to?

Because the precise low tide line changes daily, the average, or mean, low tide line is used. There is an ongoing dispute as to whether you should use this so called "mean low tide line," or the "mean extreme low tide line." The former is the average of all low tides and the latter is the average of extreme low tides.





skiffes trouble







            
                         







                                                                                                   1968                                                                                               

24 Juan Pizarro  was born on Sunday, February 7, 1937, in Santurce, Puerto Rico. Pizarro was 20 years old when he broke into the big leagues on May 4, 1957, with the Milwaukee Braves. His biographical data, year-by-year hitting stats, fielding stats, pitching stats (where applicable), career totals, uniform numbers, salary data and miscellaneous items-of-interest are presented by Baseball Almanac on this comprehensive Juan Pizarro baseball stats page.


38 Jerry Stephenson  was born on Wednesday, October 6, 1943, in Detroit, Michigan. Stephenson was 19 years old when he broke into the big leagues on April 14, 1963, with the Boston Red Sox. His biographical data, year-by-year hitting stats, fielding stats, pitching stats (where applicable), career totals, uniform numbers, salary data and miscellaneous items-of-interest are presented by Baseball Almanac on this comprehensive Jerry Stephenson baseball stats page.


         When will the Minnesota Vikings win the Super Bowl?


How do people survive in US When the yearly rent is 85,000 dollars and the yearly Income is 33,000 Dollars in 2001?  2001 history



When the average cost of a new home exceed  4 times than the national average salary real estate prices getting too high!!!

Based on the national average home price of $170,000, minus a 10% down payment, a $153,000, 30-year fixed rate mortgage at 6.32% would mean monthly payments covering principal and interest of $949.02. The same payment during the fixed term of an adjustable rate mortgage at 3.87% is 719.03, a 24% difference.

A 719.03 payment you wil need to make $2,876.12 per month or $37,389.56 for a house price of $170,000!


Text Box: Table 1: Real Average Weekly or Daily Earnings for Selected Occupations, 1920 to 1930.
(1929=100)
	(1)	(2)	(3)	(4)	(5)
	Weekly:				
	Skilled and	Weekly:	Weekly:		
	Semi-Skilled	Unskilled	Female		
	Male Production	Male Production	Production			
	Workers	Workers	Workers		
	Workers in 25	Workers in 25	Workers in 25	Weekly:	Farmworkers
	Manufacturing	Manufacturing	Manufacturing	Bituminous Coal-	Daily Wage
Year	Industries	Industries	Industries	Lignite Mining	Rate
1920	29.16	22.28	15.14	--	2.82
1921	26.19	19.41	14.96	--	1.96
1922	28.73	20.74	16.19	--	2.04
1923	30.93	22.37	17.31	25.51	2.36
1924	30.61	22.45	16.78	23.47	2.40
1925	30.57	22.41	16.78	25.64	2.30
1926	30.60	22.47	16.72	27.51	2.32
1927	31.09	23.22	17.14	23.85	2.32
1928	31.94	23.89	17.15	24.46	2.30
1929	32.60	24.40	17.61	25.11	2.30
1930	29.93	22.47	16.40	22.61	2.21
Source: U.S. Department of Commerce, Bureau of the Census, Historical Statistics of the United States: Colonial Times to 1970 (Washington, DC: USGPO, 1976). Col. (1): Series D844. Col. (2): Series D841. Col. (3): Series D838. Col. (4): Series D811. Col. (5): Series K181. All dollar figures were deflated by the Consumer Price Index from series E135 set to 1929=100.

If you have $100 Converted from 1920 to 2005 it would be equivalent to $1005 in todays money.   In 1920 average home was $3,100  so 10 time average home should be $31,000 in 2005

The national average wage index for 2005 is 36,952.94 

Average Cost of new house in 1951
$9.000.00
 
Average Cost of new house in 1961
$12,500.00

Average Cost of new house in 1971
$25,250.00
                                                                      
Average Cost of new house in 1981
$78,200.00

Average Cost of new house in 1991
$120,000.00

Average Cost of new house in 2001
$136,150.00

The Me generation jacked up the prices of the real estate market!!!!!!


National average wage indexing series, 1951-2005
Year Index
1951 2,799.16
1952 2,973.32
1953 3,139.44
1954 3,155.64
1955 3,301.44
1956 3,532.36
1957 3,641.72
1958 3,673.80
1959 3,855.80
1960 4,007.12
1961 4,086.76
1962 4,291.40
1963 4,396.64
1964 4,576.32
1965 4,658.72
1966 4,938.36
1967 5,213.44
1968 5,571.76
1969 5,893.76
1970 6,186.24


Year Index
1971 6,497.08
1972 7,133.80
1973 7,580.16
1974 8,030.76
1975 8,630.92
1976 9,226.48
1977 9,779.44
1978 10,556.03
1979 11,479.46
1980 12,513.46
1981 13,773.10
1982 14,531.34
1983 15,239.24
1984 16,135.07
1985 16,822.51
1986 17,321.82
1987 18,426.51
1988 19,334.04
1989 20,099.55
1990 21,027.98
Year Index
1991 21,811.60
1992 22,935.42
1993 23,132.67
1994 23,753.53
1995 24,705.66
1996 25,913.90
1997 27,426.00
1998 28,861.44
1999 30,469.84
2000 32,154.82
2001 32,921.92
2002 33,252.09
2003 34,064.95
2004 35,648.55
2005 36,952.94



                                                 The Housing Bubble Fact Sheet

Kerry and Edwards the new hippies movement

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"I pledge allegiance to the flag
of the United States of America,
 and to the Republic for which it stands;
one nation, under God, indivisible,
with liberty and justice for all."


The Senter Family


 



 


Tradewars
   oldwest




NO hitters by Jim " mudcat" Grant

                   
    2006 Housing Market Bubble: Today's Selloff In Real Estate...and How Many Years Before the Next Bull Market least 30  to 50 years!!!


 
                                                     
http://biz.yahoo.com/p/_servic-reoper.html            April 5.2004 Real Estate Stocks  it doesn't look good
    please copy and paste in your web browser


Real estate market will fell just like the Nasdaq
       why seller should get a 50% less than 3 years
       The real estate market is going to crash?
       "Volume of home sales true indicator of real estate market"

Changes are year over year.
People need to realize that real estate is generally a very long-term investment, and its primary purpose should be for shelter. When our clients are buying real estate, we ask that they evaluate the cash flows, operating costs, expected outflows and such. Interestingly enough, we were very positive on investing in real estate in the early 1990's. Here in the Northeast we saw home prices fall from the peaks of the '80's and there were incredible opportunities in real estate. We do feel that those opportunities will exist again. Real estate at this point reminds us of the NASDAQ mania of the late 1990's.

In many countries the stockmarket bubble has been replaced by a property-price bubble. Sooner or later it will burst, says Pam Woodall, our economics editor

“BUYING property is by far the safest investment you can make. House prices will never fall like share prices.” This is the advice offered by countless estate agents around the globe. In the absence of attractive investment opportunities elsewhere, home buyers have needed little encouragement: from London to Madrid and from Washington to Sydney, rising house prices have been the hot topic of conversation at dinner parties. Over the past seven years, house prices in many countries have risen at their fastest rate ever in real terms. And now institutional investors are also eagerly shifting money from equities into commercial property. Many property analysts scoff at the suggestion that another bubble is in the making. House prices may have fallen after previous booms, but “this time is different”, they insist. That is precisely what equity analysts said when share prices soared in the late 1990s. They were proved wrong. Will the property experts suffer the same fate?


Stock      price       Shares  
ADOT     .0165         5500    Q&R                  1/21/04
RNKE     .0115         5000    Q&R                   1/30/04
CWIR      .02            5000    Q&R                    5/20/03
SOFT       2.00           100     Q&R                    1/29/00
GOAM        .43           850    AMERI                4/01/04
GFYF       .0009       40000   Q&R                     4/02/04
WLDI        .009         7500     AMERI                 4/01/04
CYBR       .10           200      Q&R                       1/10/02
TRDY        .032         5000     Q&R                       11/28/03
ASPXQ      .09          2500      Q&R                       3/04/03
NNCO        .0007      2000      AMERI                   4/26/04
CNES          .0045      40000    Q&R                       4/29/04
FXGP           .006        49000     Q&R                      4/30/04
 
FUND
MCOBX       15            65.6      Q&R
CASH           9.97           1        Q&R
CASH          950              1        Q&R
CASH          28.78            1        AMERI



         




Cape Cod Baseball League



 







CHESS
Cape Cod Club Directory



Centerville     Recreaction Bld.         Mon       7:00          Ervning Halpern, 428-7046 
Brewster     Council On Aging              Mon    12:00          Harry Olsen, 430-0098   
    Orleans      Super Shop &Stop, Rt6A             Wed     7:00   Mark Donlan, 432-7647  
Plymouth    Public Library, 132 SouthSt.        Mon   6:30    David Hobbs,830-0559 
Sandwich       Public Library,142 Main St.    Tue   7:00     Richard Rose,888-5805     
      




Foxwood   Open2002  
Trcek

    http://www.capecod.net/~ssenter/ccll1.htm  
  
 http://www.capecod.net/~ssenter/ccll2.htm       
Sept/Oct 1996


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Nauset chess club rating 2003







Rating of June 97
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