Maralee Grantham's Blog

Tuesday, December 18, 2012

Peace Tranquility and a very Merry Christmas

Chilean miners just settled with mine owners and that will cause all the new car buyers in New York, who lost their cars to face higher copper prices on the copper component of their cars.  The return to Abe and th etraditional rulin gparty in Japan means lower Yen and all investors are headed to buy Japanese stocks.
We are one small planet, all dependent on and all responsible for each other.

  My life has been enriched by my new kitty Baby Blue and working with Special Olympics atheletes this year.
 
I wish everyone peace and tranquility this year this year Happy Chanukah just ended and Merry Christmas is just beginning.

Monday, December 10, 2012

Psychology of Giving no one has same opinion


Journal of Experimental Psychology and others all with different opinions
"Everyone has been a giver and receiver often in the past," says Francis Flynn, a professor of organizational behavior at Stanford University's Graduate School of Business, who has done research in the field of gift giving. Despite knowing what these roles feel like, people often fail, for instance, to draw on the experience of being a recipient when they are shopping for a gift to give, he says.
It turns out it's not the thought that counts, it's the gift that counts," says Nicholas Epley, a professor of behavioral science at the University of Chicago who co-authored the November study.
Dr. Epley says he asks his wife to tell him what she wants before the holiday season. She presented him with a list last week.
Thoughtful gifts don't necessarily lead to greater appreciation, according to a study published in November in the Journal of Experimental Psychology: General. The benefit of a thoughtful gift actually accrues mainly to the giver, who derives a feeling of closeness to the other person, the study found.
People are more appreciative when they receive a gift they have explicitly requested, according to a similar study published last year in a separate publication called the Journal of Experimental Social Psychology.
Another study found spending more money on a gift doesn't necessarily translate into greater appreciation. That might come as a surprise to many gift givers, who often assume that a more expensive gift conveys a higher level of thoughtfulness, according to the research, published in 2009 in the Journal of Experimental Social Psychology.

Regifting, once a social taboo, is gradually gaining in acceptance.  ---According to a nationwide consumer-spending survey by American Express.  The figure rises for the holiday season, when 79% of respondents said they believe regifting is socially acceptable. The survey, which polled about 2,000 people last year, found that nearly one-quarter of consumers said they regifted at least one item the previous holiday season.

In the study of regifting, researchers conducted five separate experiments involving nearly 500 people in both real and imagined scenarios. The reason people weren't overly bothered when their gifts were later regifted was because they generally believed the recipient was free to decide what to do with an item. On the other hand, regifters were fearful of offending because they believed the original giver should retain some say in how the gifts were used.

The different points of view held true regardless of whether the gift givers and receivers were friends. The relative desirability of the gift also didn't affect the findings. When the researchers introduced the concept of a national holiday for regifting into the experiments, participants were more likely to give away their gifts.
There are efforts to promote regifting. Money Management International, a nonprofit that helps people facing financial difficulties, has run a Regiftable.com website for more than five years and declared the third Thursday in December to be National Regifting Day, to coincide with many holiday office parties. At least one state, Colorado, has officially sanctioned an annual regifting day.
"Regifting isn't a bad thing, it's not quite as offensive as people might think it is," says Gabrielle Adams, an assistant professor of organizational behavior at the London Business School and a co-author of the recent study in Psychological Now,

Friday, December 7, 2012

FHA Loan Limits for California for 2013; Beware of anyone selling alarm systems

Here is the web site for our local LA county FHA loan limits:
http://www.fhfa.gov/webfiles/24675/High_Cost_Area_Loan_Limits_CY2013_HERA.pdf

Also, beware of anyhone selling home alarm systems.
For any Homeowner referrals feel free to contact me or someone with personal experience with that company.
Happy Holidays!