Greetings
We are a couple of weeks into the year already - how are your plans coming along?
As I started to write this email, the music of “Chevaliers de Sangreal” was playing - absolutely powerful music!! Hans Zimmer has superb talent and this piece from the “Da Vinci Code” is so moving that one is almost forced to stop everything and become mesmerised by the impact it imparts. I love music! … do you play certain music to lift your spirits, or else to put you into a particular frame of mind? We do, here at home. Music is a wonderful subliminal tool!
On the flip side … this can be aligned to how society is subliminally ‘manipulated’!! I am not inclined to ever voice too many of my thoughts online, most especially on this type of subject, as I have been living proof of the consequences from ‘those who rule’! Suffice to say that these are some of the topics we are going to be covering in Club Serendipity, along with how to be Healthy, Wealthy and Wise!
Starting quite soon, we are going to launch our *TRIM, TAUT and T’RIFIC* Program, aimed at healthy eating for a healthy body. More about that as we get closer to completing the details. Feel free to email us if you are interested in taking part, as we would love some feedback on your thoughts on this topic.
Anyway, back to the manipulation that I was mentioning ….
To preface things, I would just like to refresh your memory and take you back over a short space in history and the facts of our society during that time. Let’s date back to 1984 (hey, that would be a great name for a book, don’t you think!!) —
In 1984, a Teacher’s annual wage in the state of Victoria, Australia, was around $45,000.
To purchase an average house in Melbourne, Victoria, the median price was around $65,000, meaning that the average cost to buy yourself a home was a little over 144% of your wage.
Twenty Four (24) years later, in 2008, a Teacher’s annual wage in the state of Victoria, Australia, was around $69,000
To purchase an average house in Melbourne, Victoria, the median price was around $450,000, meaning that the average cost to buy yourself a home was around 652% of your wage.
To summarise - in the past 24 years, your wage has risen by about 55% - the cost to buy your home has risen by almost 600% - is this scary??!!
If you would prefer to compare Mr and Mrs Average, rather than a professional ….
The following details have been taken from the Australia Bureau of Statistics information -
The average Australian wage currently (January 2009) is $50,000 p/a, but the median would be more like $30,000 - $40,000 p/a.
The minimum wage currently (January 2009) for an Australian worker is $12.95 p/h for a full time worker.
It doesn’t take too long to figure out that Mr and Mrs Average are going to be struggling like billyo to be able to get their own home!!
Using an online Mortgage Calculator, inputting an annual income of $40,000.00 and no other expenses, given the fact that you are eligible for a 30 year loan, you can borrow up to $290,000.00 with monthly payments of $1,180.00 at an interest rate of 6.75%. If you happen to be on the low side of the median annual income - inputting an annual income of $30,000.00 and no other expenses, given the fact that you are eligible for a 30 year loan, you can borrow up to $181,000.00 with monthly payment of $1,173.00, at an interest rate of 6.75%.
Neither of these scenarios bring Mr and Mrs Average anywhere close to being able to purchase their own home today!!@
What about if Mrs Average decided that she needs to go out and get a job, so they can join their two wages together to enable them to get their home loan? ….
By the time she buys suitable clothes, another car, extra petrol, pays for lunches, make-up and probably lots more, arrangements then need to be made for the children. Stick them *in the creek* as my mother used to say!! Crèche expectations are sometimes insurmountable!
Many families need the second income to afford mortgage repayments, groceries and fuel but it’s a conundrum because the second income can be swallowed up by the child-care fees. Costs between centres can vary dramatically, depending on location, operating hours and the age of your child. Expect to pay between $55 and $110 a day but that price usually drops if additional days are required. According to the Raising Children Network, in 2006 the median weekly fee for 50 hours of private long day care was $208. This figure could be an underestimation. The network says: “Some surveys show prices are much higher than reported, with a median weekly cost in Victoria of $313 and $348 in NSW.”
For my exercise here, as there are far too many variables to even contemplate for my purpose, let’s round off these figures and say that the crèche bill is $300 per week (for one child). If Mrs Average had a wage of $30,000 per annum, that equates to about $576 per week, and after tax (excluding any of the monsters of tax claims, etc) her take home wage is around $385 per week. Is this all worth it, for the $85 that will most certainly be spent on fuel, car payments, etc etc etc???@
So, Mr and Mrs Average now have (on paper) a combined annual income of maybe $60,000, giving them a chance to possibly obtain a 30 year loan of $508,000, with monthly repayments, at 6.75%, of $3,295 - IF they can manage to get enough deposit to put down. Then, this scenario rests on their ability to repay over $100 PER DAY!! So, $700 per week, coupled with child-care fees of at least $300 is $1,000 … and they haven’t as yet bought any food, petrol, electricity, etc etc etc!! IT JUST DOESN’T WORK!!
Spin right back to 1984 .. if your house cost $65,000 but your wage was only a relatively small amount less than it is today, things would be vastly different, and we could almost ALL afford to buy our homes!! Go back another 10 years to 1974 and your average home in Melbourne was around $25,000. Does this make you sit straight up and ask, “What is happening!!”
Please don’t be too confident though — It definitely isn’t going to stop there … look at the *Economic Crisis* that is currently going on world-wide, having hit the media with a huge impact back in September 2008. What are your thoughts on that? I have plenty, although I am not going to write them down online. Suffice to say that I am very willing to share with each and every one of you who is interested, so I seriously encourage you to become a member of our new Club Serendipity. Feel free to give me a call on 1800 044 722 if you would like to discuss anything.
I INTEND TO PAY OUT OUR OWN MORTGAGE THIS YEAR AND AM ALREADY ON THE WAY TO DOING JUST THAT!!
I have heaps written about the ways we have in place to accomplish this task, so if you would like to read more, do send me an email and I will share with you the MORTGAGE LIFTER links. Time is getting away very fast, so I encourage you not to dally!!
For our newcomers - I introduced everyone to our brand new lifestyle - Club Serendipity - late last year. If you missed that email, here is the link to our site, so you can catch up and understand what we are discussing. To précis our family intentions …. we intend to Live the *Good Life* as soon as possible, which is a goal towards which we have been working most of our lives! What is the *Good Life* you may ask?? - basically it is Health, Wealth and Happiness - all wrapped up in a blanket of self-sufficiency. Growing our own healthy food is our number one priority, as the food out there in the general supermarkets deteriorates daily and is, in my opinion, almost inedible now! Much of what we sell in Nature’s Wonderland has always been geared towards this end - plenty of delicious SPROUTS; Juicers, Dehydrators, Grain Mills and other equipment to make the food preparation easier and healthier.
I eagerly look forward to working with those of you who choose to become members of Club Serendipity, as we unravel the obstacles and start to understand how to work towards creating a better life! We would be very honoured to have you as a member in our new CLUB SERENDIPITY and to work alongside you as we reach for the freedom that we all deserve!
THE MAIN TARGETS OF THIS CLUB ARE FOR:
- EACH MEMBER TO ATTAIN SUFFICIENT WEALTH TO AT LEAST PAY THEIR MORTGAGE OUT
- EACH MEMBER TO UNDERSTAND A HEALTHY DIET IN THIS WORLD OF ‘GARBAGE’ AND TO ATTAIN THE LEVEL OF GROWING THE MAJORITY, IF NOT ALL, THEIR OWN FOOD SUPPLIES
- EACH MEMBER TO HAVE A FULL UNDERSTANDING OF HOW SEVERELY THE CURRENT SOCIETY IS MANIPULATED, AND HOW TO LIVE SEPARATED FROM THAT CONTROL
DO YOU STRIVE FOR THAT WORLD THAT YOU KNOW IS BEYOND THIS ONE, SO THAT YOU CAN ACTUALLY LIVE LIFE AS IT WAS MEANT TO BE LIVED?
Why not join with us, as we all make it a reality!
Feel free to ‘phone if you would like to discuss anything in depth - 1800 044 722
Until next time ………..
Warmly,
SerpentineMoon, from the
Nature’s Wonderland Team
http://www.natureswonderland.com.au/shop/
