Michael Business Blog

If you look back over the last several years, this has been a really exciting period of time. For the first years, banks and finance companies let us borrow more money than we needed. Fortunately, there was a property bubble forming so buying a new more expensive home was a big winner. The housing equity grew real fast and provided ever more security for more loans. Changing homes after four or five years let us cash in and keep on building up our net worth. Except, all we were doing was going ever deeper into debt so that, when the property bubble burst and the recession hit, there was nowhere left to run. Read the rest of this entry »

There’s one undeniable fact about the human head – it sticks out of the top of your body and represents the first thing other people see when you come into view. In some cultures, it’s acceptable for the head to be completely covered. So, if you go to a strict moslem country, women will only appear in public wearing a hijab (a headscarf) or a burqa which covers the head and upper body. In other cultures, men must cover their heads, e.g. in Sikhism, men are required to wear a turban to cover their uncut hair. Such religious observances and cultural practices are useful if people’s hair begins to thin or fall out. The loss remains hidden. In Western cultures, the majority of people are not obliged to cover their heads. Hence, the decision to do so is often taken as a sign they are beginning to lose their hair and want to hide the fact. Read the rest of this entry »