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Železniční přejezdy

Následující text se stručně zabývá problematikou železničních přejezdů, a to jak zabezpečených pouze výstražnými kříži, tak různými druhy přejezdových zařízení. Popisuje přejezdová zabezpečovací zařízení používaná v současné době na síti Správy železniční dopravní cesty, s. o. Dále vysvětluje význam signálů těchto zařízení a rozebírá případy, ve kterých se řidič i na přejezdu vybaveném přejezdovým zabezpečovacím zařízením musí chovat jako na přejezdu zabezpečeném pouze výstražným křížem.

1 Železniční přejezdy

1.1 Úvod

Železniční přejezd je úrovňové křížení pozemní komunikace s železniční tratí. V každém takovém případě jde o velmi nebezpečné a kritické místo, kde je nutné dbát zvýšené opatrnosti. Také z toho důvodu je řidič na železniční přejezd včas (téměř čtvrt kilometru předem) upozorněn dopravními značkami.

1.2 Značení železničních přejezdů

Každý železniční přejezd bez rozdílu musí být označen výstražným křížem. Na takto označeném přejezdu si řidič musí počínat zvlášť opatrně, zejména se přesvědčit, zda může železniční přejezd bezpečně přejet. Na železničním přejezdu má vždy přednost vlak!

Navíc na přejezd včas upozorňují dopravní značky, a to ve vzdálenosti 80 m, resp. 160 m návěstní deska s jedním, resp. dvěma šikmými pruhy a ve vzdálenosti 240 m návěstní deska se třemi šikmými pruhy, nad kterou je další dopravní značkou rozlišeno, zda se jedná o přejezd se závorami či bez závor.

Každý železniční přejezd je zabezpečený a to buď pouze výstražným křížem nebo určitým druhem přejezdového zabezpečovacího zařízení.

1.3 Přejezdy zabezpečené pouze výstražnými kříži

Na přejezdu zabezpečeném pouze výstražným křížem si řidič musí počínat zvlášť opatrně, zejména se přesvědčit, zda může železniční přejezd bezpečně přejet. K tomu mu přispívá trvalá údržba předepsaného rozhledu z pozemní komunikace na železniční trať.

Řidič smí jet ve vzdálenosti 50 m před přejezdem a při jeho přejíždění rychlostí nejvýše 30 km.h-1. Na blížící se vlak je řidič upozorněn houkáním. Strojvedoucí vlaku jedoucí k takovému přejezdu má za povinnost před přejezdem opakovaně houkat.

1.4 Přejezdy zabezpečené přejezdovými zařízeními

V některých případech je nutné bezpečnost na přejezdu zajistit použitím určitého druhu přejezdového zabezpečovacího zařízení, které informuje řidiče o pohybu vlaku.

Každé takové zařízení splňuje požadavky na bezpečnou funkci a je schopné i při vlastních poruchách informovat o své poruše buď přímo strojvedoucího vlaku, nebo pověřeného dopravního zaměstnance, který strojvedoucího o poruše zařízení zpraví. Strojvedoucí pak při jízdě k porouchanému přejezdu smí jet rychlostí nejvýše 10 km.h-1 a musí opakovaně houkat - podobně jako před přejezdem zabezpečeným pouze výstražným křížem.

Podle druhu základní výstrahy je možné přejezdová zabezpečovací zařízení dělit na zařízení mechanická a světelná.

2 Mechanická přejezdová zabezpečovací zařízení

2.1 Popis

Výstraha: základní výstraha je dávána mechanicky polohou závorového břevna. Základní mechanickou výstrahu může doplňovat výstraha zvuková (údery zvonce) či světelná (přerušované červené světlo). Poslední dvě jmenované výstrahy jsou výstrahy pouze doplňkové.

Charakteristické znaky: břevna závor jsou zhotoveny z kulatiny natřené červeno-bílými pruhy a přehrazují celou šíři pozemní komunikace (celé závory), v červených pruzích jsou červené odrazky (viz fotogalerie – mechanické přejezdy).

Činnost zařízení: mechanické závory jsou ovládány zpravidla ručně pomocí různých mechanických zařízení (klik, řetězů, drátovodů apod.). Obsluhující zaměstnanec podle předpisů pro výkon služby uzavírá a otevírá závory před každou jízdou vlaku. Včasnost spuštění a ukončení výstrahy je závislá na obsluhujícím zaměstnanci a obvykle ještě na splnění určitých podmínek (např. závislosti na další zabezpečovací zařízení). Z těchto důvodů je uzavření takového přejezdu značně delší než u světelného zařízení.

2.2 Signály

Signál Popis Význam
Výstražný závory se sklápějí, jsou sklopeny nebo se zvedají - přejezd uzavřen zakazuje vstup/vjezd na přejezd a varuje před blížícím se vlakem
Varovný závory jsou v horní koncové poloze - přejezd otevřen (platí výstražný kříž) nedává informaci o pohybu vlaku (přejezd zabezpečený pouze křížem)

3 Světelná přejezdová zabezpečovací zařízení

3.1 Obecně

Výstraha: základní výstraha je dávána světlem. Základní světelnou výstrahu doplňuje výstraha zvuková, popřípadě výstraha mechanická (závory celé nebo poloviční). U světelných zařízení je tedy základní (hlavní) výstraha světelná - závory nezávory! Světelná přejezdová zabezpečovací zařízení mohou být ovládaná ručně nebo automaticky jízdou vlaku (popř. smíšeně - kombinace předchozích dvou).

Charakteristické znaky: výstražník s návěstními světly. Případná závorová břevna jsou lehké (lehce přerazitelné) konstrukce a jsou opatřeny červeno-bílými pruhy, v červených pruzích jsou červené odrazky (viz fotogalerie – světelné přejezdy).

3.2 Zařízení ovládaná ručně

3.2.1 Popis

Charakteristické znaky: výstražník se dvěmi červenými světly, bílé světlo výstražník buď nemá nebo je zaslepeno.

Činnost zařízení: výstraha na přejezdu je ovládána elektricky (tlačítkem). Obsluhující zaměstnanec podobně jako při obsluze mechanických přejezdových zabezpečovacích zařízení uzavírá a otevírá přejezd před každou jízdou vlaku. Pro zvýšení bezpečnosti provozu na přejezdu se zpravidla budují závislosti přejezdových zařízení na další návazná zabezpečovací zařízení.

3.2.2 Signály

Signál Popis Význam
Výstražný svítí dvě střídavě přerušovaná červená světla - přejezd uzavřen zakazuje vstup/vjezd na přejezd a varuje před blížícím se vlakem
Varovný nesvítí žádné světlo - přejezd otevřen (platí výstražný kříž) nedává informaci o pohybu vlaku (přejezd zabezpečený pouze křížem)

3.3 Zařízení ovládaná automaticky

3.3.1 Popis

Charakteristické znaky: výstražník se dvěmi červenými světly a pod nimi jendo světlo bílé.

Činnost zařízení: trať je v obvodu přejezdu rozdělena na několik úseků, kterými vlak působí na přejezdové zabezpečovací zařízení (ve směru jízdy vlaku jsou to úseky: přibližovací, anulační a vzdalovací). Zařízení vyhodnocuje obsazování a uvolňování těchto úseků vlakem a poté na přejezdu automaticky (bez obsluhy člověka) spouští příslušné signály.

Na přejezdu se samočinně spustí výstraha (výstražný signál), jestliže se vlak nachází na trati před přejezdem (v jeho přibližovacím úseku). Pokud vlak následně projede přejezdem (jeho anulačním úsekem) a vzdaluje se od něj, je výstražník zhasnutý (varovný signál). Varovný signál je nutný proto, že ve skutečnosti se vlak po průjezdu přejezdem vzdalovat od přejezdu nemusí - to pouze předpokládáme. Z toho důvodu je výstražník zhasnutý a řidič se potom i na přejezdu zabezpečeném světelným zařízením musí chovat jako na přejezdu zabezpečeném pouze výstražným křížem *). (POZOR: Stejně se zařízení může chovat i při poruše! - viz např. kap. 4 v článku Princip činnosti přejezdových zařízení) Teprve v případě, že vlak opustí celý obvod přejezdu (i jeho vzdalovací úsek), může se na výstražníku rozblikat bílé světlo (pozitivní signál). Tato signalizace oznamuje řidiči, že zařízení na přejezdu je v činnosti (bez poruch) a že se v obvodu přejezdu nevyskytuje žádný vlak, který by mohl bezpečnost provozu na přejezdu ohrozit.

*) Vysvětlení: podle zákona o provozu na pozemních komunikacích je světelná signalizace (červená světla, resp. bílé světlo výstražníku) nadřazena svislým dopravním značkám (výstražný kříž). V případě, že na výstražníku žádné světlo nesvítí, je proto pro řidiče směrodatný výstražný kříž!

3.3.2 Signály

Signál Popis Význam
Výstražný svítí dvě střídavě přerušovaná červená světla - přejezd uzavřen zakazuje vstup/vjezd na přejezd a varuje před blížícím se vlakem
Varovný nesvítí žádné světlo - přejezd otevřen (platí výstražný kříž) nedává informaci o pohybu vlaku (přejezd zabezpečený pouze křížem)
Pozitivní svítí přerušované bílé světlo - přejezd otevřen zařízení je v činnosti a v obvodu přejezdu není žádný vlak, nebo je jeho jízda na přejezd zakázána

V případě, že svítí přerušované bílé světlo pozitivního signálu přejezdového zabezpečovacího zařízení, smí řidič jet 50 m před železničním přejezdem a při jeho přejíždění rychlostí nejvýše 50 km.h-1.

3.4 Shrnutí

  • u světelných zařízení jsou rozhodující světelné signály - závory jsou pouze doplňkové (tvarová návěst),
  • na přejezdu je chybné rozlišovat pouze to, zda je otevřen či uzavřen - je důležité rozlišovat všechny tři signály (výstražný, varovný a pozitivní),
  • při varovném signálu (zhasnutý výstražník) se řidič na přejezdu musí chovat jako by šlo o přejezd zabezpečený pouze výstražným křížem!

Pokud jste řidiči a článek jste dočetli až sem, GRATULUJI Vám, řadíte se mezi zodpovědné řidiče. Doufám, že Vám získané informace pomůžou k pochopení chování různých přejezdových zabezpečovacích zařízení a k usnadnění rozhodování právě před železničními přejezdy (viz též článek Jak na železniční přejezdy v bodech).

Autor: Jakub Marek

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The jewel symbolizes the power of money. There is some degree of truth to the saying, "Remember the golden rule. He who has the gold makes the rules."
The mirror symbolizes the power of self-knowledge. This self-knowledge, according to Japanese legend, was the most treasured of the three.
The poor and middle class all loo often allow the power of money to control them. By simply getting up and working harder, failing to ask themselves if what they do makes sense, they shoot themselves in the foot as they mk factory outlet leave for work every morning. By not fully understanding nioney, the vast majority of people allow the awesome power of money to control them. The power of money is used against them.
If they used the power of the mirror, they would have asked themselves, "Does this make sense?" All too often, instead of trusting their inner wisdom, that genius inside of them, most people go along with the crowd. They do things because everybody else does it. They conform rather than question. Often, they mindlessly repeat what they have been told. white huaraches Ideas such as "diversify" or "your home is an asset." "Your home is your biggest investment." "You get a tax break for going into greater debt." "Get a safe job." "Don't make mistakes." "Don't take risks."
It is said that the fear of public speaking is a fear greater than death for most people. According to psychiatrists, the fear of public speaking is caused by the fear of ostracism, the fear of standing out, the fear of criticism, the fear of ridicule, the fear of being an outcast. The fear of being http://www.nikefreetrainer50.net different prevents most people from seeking new ways to solve their problems.
That is why my educated dad said the Japanese valued the power of the mirror the most, for it is only when we as humans look into the mirror do we find truth. And the main reason that most people say "Play it safe1' is out of fear. That goes for anything, be it sports, relationships, career, money.
It is that same fear, the fear of ostracism that causes people to conform and not question commonly accepted opinions or popular trends. "Your home coach coupon code is an asset." "Get a bill consolidation loan and get out of debt." "Work harder." "It's a promotion." "Someday I'll be a vice president." "Save money." "When ! get a raise, I'll buy us a bigger house." "Mutual funds are safe." "Tickle Me Elmo dolls are out of stock, but I just happen to have one in back that another customer has not come by for yet."
Many great financial problems are caused by going along with the crowd and trying to keep up with the Joneses. Occasionally, we all need mk bags to look in the mirror and be true to our inner wisdom rather than our fears.
By the time Mike and I were 16 years old, we began to have problems in school. We were not bad kids. We just began to separate from the crowd. We worked for Mike's dad after school and on the weekends. Mike and I often spent hours after work just sitting at a table with his dad while he held meetings with his bankers, attorneys, accountants, brokers, investors, managers and employees. Here was a man who had left http://www.mkmichaelkorshandbags.net school at the age of 13, now directing, instructing, ordering and asking questions of educated people. They came at his beck and call, and cringed when he did not approve of them.
Here was a man who had not gone along with the crowd. He was a man who did his own thinking and detested the words, "We have to do it this way because that's the way everyone else does it." He also hated the word "can't." If you wanted him to do something, just say, "I don't think
you can do it."
Mike michael kors outlet online and I learned more sitting at his meetings than we did in all our years of school, college included. Mike's dad was not school educated, but he was financially educated and successful as a result. He use to tell us over and over again. "An intelligent person hires people who are more intelligent than they are." So Mike and I had the benefit of spending hours listening to and, in the process, learning From
intelligent people.
But because of this, both Mike and I just could not go along with the standard dogma that http://www.michaelkorsjetset.org our teachers preached, And that caused the problems. Whenever the teacher said, "If you don't get good grades, you won't do well in the real world," Mike and I just raised our eyebrows. When we were told to follow set procedures and not deviate from the rules, we could see how this schooling process actually discouraged creativity. We started to understand why our rich dad told us that schools were designed to produce good employees instead of employers.
Occasionally Mike or I would ask our teachers how what we studied was applicable, or we asked michael kors factory outlet why we never studied money and how it worked. To the later question, we often got the answer that money was not important, that if we excelled in our education, the money would follow.
The more we knew about the power of money, the more distant we grew from the teachers and our classmates.
My highly educated dad never pressured me about my grades. I often wondered why. But we did begin to argue about money. By the time I was 16, I probably had a far better foundation with money than both my mom mk outlet and dad. I could keep books, I listened to tax accountants, corporate attorneys, bankers, real estate brokers, investors and so forth. My dad talked to teachers.
One day, my dad was telling me why our home was his greatest investment. A not-too-pleasant argument took place when I showed him why I thought a house was not a good investment.
The http://www.coachbagsoutletfactory.net following diagram illustrates the difference in perception between my rich dad and my poor dad when it came to their homes. One dad thought his house was an asset, and the other dad thought it was a liability.
I remember when I drew a diagram for my dad showing him the direction of cash flow. I also showed him the ancillary expenses that went along with owning the home. A bigger home meant bigger expenses, and the cash flow kept going out through the expense column.
Today, I am still challenged on the idea of a house not being an asset. And 1 know that for many people, it is their dream as well as their largest investment. And owning your own home is better than nothing. I simply offer an alternate way coach 80% off of looking at this popular dogma. If my wife and I were to buy a bigger, more flashy house we realize it would not be an asset, it would be a liability, since it would take money out of
our pocket.
So here is the argument I put forth. I really do not expect most people to agree with it because a nice home is an emotional thing. And when it comes to money, high emotions tend to lower financial intelligence. 1 know from personal experience that money has a way of making every coach factory promo code decision emotional.
1. When it comes to houses, I point out that most people work all their lives paying for a home they never own. In other words, most people buy a new house every so many years, each time incurring a new 30-year loan to pay off the previous one.
2. Even though people receive a tax deduction for interest on mortgage payments, they pay for all their other expenses with after-tax dollars. Even after they pay off their mortgage.
3. Property taxes. My wife's parents were shocked when the property taxes on their home michael kors bags went to $1,000 a month. This was after they had retired, so the increase put a strain on their retirement budget, and they felt forced to move.
4 Houses do not always go up in value. In 1997, I still have friends who owe a million dollars for a home that will today sell for only $700,000.
5. The greatest losses of all are those from missed opportunities. If all your money is tied up in your house, you may be forced to work harder because your money continues blowing out of the expense coach bags column, instead of adding to the asset column, the classic middle class cash flow pattern. If a young couple would put more money into their asset column early on, their later years would get easier, especially as they prepared to send their children to college. Their assets would have grown and would be available to help cover expenses. All too often, a house only serves as a vehicle for incurring a home-equity loan to pay for mounting expenses. In summary, the end result in making a decision to own a house that is too coach outlet store online expensive in lieu of starting an investment portfolio early on impacts an individual in at least the following three ways:

lily-ya

Illiteracy, both in words and numbers, is the foundation of financial struggle. If people are having difficulties financially, there is something that coach outlet store they cannot read, either in numbers or words. Something is misunderstood. The rich are rich because they are more literate in different areas than people who struggle financially. So if you want to be rich and maintain your wealth, it's important to be financially literate, in words as well as numbers.
The arrows in the diagrams represent the flow of cash, or "cash flow." Numbers alone really mean little. Just as words alone mean little. It's the story that counts. In financial reporting, reading numbers is looking for the plot, the story. The story coach coupons of where the cash is flowing. In 80 percent of most families, the financial story is a story of working hard in an effort to get ahead. Not because they don't make money. But because they spend their lives buying liabilities instead of assets.
For instance, this is the cash flow pattern of a poor person, or a young person still at home:

Job (provides income)-> Expenses(Taxes Food Rent Clothes Fun Transportation)
Asset (none)
Liability (none)

This is the cash flow pattern of a person in the middle class:

Job (provides income)-> Expenses(Taxes Food Mortgage Clothes Fun Transportation)
Asset (none)
Liability http://www.coachbags-onsale.net (Mortgage Consumer loans Credit Cards)

This is the cash flow pattern of a wealthy person:

Assets(stocks bonds notes real estate intellectual property)->income (dividends interest rental income royalties)
Liabilities (none)

All of these diagrams were obviously oversimplified. Everyone has living expenses, the need for food, shelter and clothing.
The diagrams show the flow of cash through a poor, middle class or wealthy person's life. It is the cash flow that tells the story. It is the story of how a person handles their money, what they do after they get the money in their hand.
The reason I started with the coach outlet factory story of the richest men in America is to illustrate the flaw in the thinking of so many people. The flaw is that money will solve all problems. That is why I cringe whenever 1 hear people ask me how to get rich quicker. Or where do they start? I often hear, "I'm in debt so I need lo nike free flyknit 4.0 make more money."
But more money will often not solve the problem; in fact, it may actually accelerate the problem. Money often makes obvious our tragic human flaws. Money often puts a spotlight on what we do not know. That is why, all too often, a person who comes into a sudden windfall of cash-let's say an inheritance, a pay raise or lottery winnings-soon returns to the same financial mess, if not worse than the mess they were in before they received the money. Money only accentuates the cash flow pattern running in your head. If your pattern is to spend everything you get, most likely an increase in cash will just result in an increase in spending. Thus, the saying, "A fool and his money is one big party," http://www.nikehuarachewomens.com I have said many times that we go to school to gain scholastic skills and professional skills, both important. We learn to make money with our professional skills. In the 1960s, when I was in high school, if someone did well in school academically, almost immediately people assumed this bright student would go on to be a medical doctor. Often no one asked the child if they wanted to be a doctor. It was assumed. It was the profession with the promise of the greatest financial reward.
Today, doctors are facing financial nike roshe men challenges I would not wish on my worst enemy; insurance companies taking control of the business, managed health care, government intervention, and malpractice suits, to name a few. Today, kids want to be basketball stars, golfers like Tiger Woods, computer nerds, movie stare, rock stars, beauty queens, or traders on Wall Street. Simply because that is where the fame, money and prestige is. That is the reason it is so hard to motivate kids in school today. They know that professional success is no longer solely linked to academic success, as it once coach outlet usa was.
Because students leave school without financial skills, millions of educated people pursue their profession successfully, but later find themselves struggling financially. They work harder, but don't get ahead. What is missing from their education is not how to make money, but how to spend money-what to do after you make it. It's called financial aptitude-what you do with the money once you make it, how to keep people from taking it from you, how long you keep it, and how hard that money works for you. Most people cannot tell why they struggle free trainer 5.0 financially because they don't understand cash flow. A person can be highly educated, professionally successful and financially illiterate. These people often work harder than they need to because they learned how to work hard, but not how to have their money work for them.
The story of bow the quest for a Financial Dream turns into a financial nightmare. The moving-picture show of hard-working people has a set pattern. Recently married, the happy, highly educated young couple move in together, in one of their cramped rented apartments. Immediately, they realize that they are roshe run black saving money because two can live as cheaply as
one.
The problem is, the apartment is cramped. They decide to save money to buy their dream home so they can have kids. They now have two incomes, and they begin to focus on their careers.
Their incomes begin to increase.
As their incomes go up...their expenses go up as well.
The No. 1 expense for most people is taxes. Many people think it's income tax, but for most Americans their highest tax is Social Security. As an employee, it appears as if the Social Security tax combined with nike air huarache the Medicare tax rate is roughly 7.5 percent, but it's really 15 percent since the employer must match the Social Security amount. In essence, it is money the employer cannot pay you. On top of that, you still have to pay income tax on the amount deducted from your wages for Social Security tax, income you never receive because it went directly to Social Security through withholding. Then, their liabilities go up.
This is best demonstrated by going back to the young couple. As a result of their incomes going up, they decide nike roshe run flyknit to go out and buy the house of their dreams. Once in their house, they have a new tax, called property tax. Then, they buy a new car, new furniture and new appliances to match [heir new house. Ail of a sudden, they wake up and their liabilities column is full of mortgage debt and credit-card debt.
They're now trapped in the rat race. A child comes along. They work harder. The process repeats itself. More money and higher taxes, also called bracket creep, A credit card comes in the mail. They nike roshe run mens use it. It maxes out. A loan company calls and says their greatest "asset," their home, has appreciated in value. The company offers a "bill consolidation" loan, because their credit is so good, and tells them the intelligent thing to do is clear off the high-interest consumer debt by paying off their credit card. And besides, interest on their home is a tax deduction. They go for it, and pay off those high-interest credit cards. They breathe a sigh of relief. Their credit cards are paid off. They've now folded their consumer debt http://www.2015coachbags.net into their home mortgage. Their payments go down because they extend their debt over 30 years. It is the smart thing to do.
Their neighbor calls to invite them to go shopping-the Memorial Day sale is on. A chance to save some money. They say to themselves, "I won't buy anything. I'll just go look." But just in case they find something, they tuck that clean credit card inside their wallet.
I run into this young couple all the time. Their names change, but their financial dilemma is the same. They come to one white nike huarache of my talks to hear what I have to say. They ask me, "Can you tell us how to make more money?" Their spending habits have caused them to seek more income.
They don't even know that the trouble is really how they choose to spend the money they do have, and that is the real cause of their financial struggle. It is caused by financial illiteracy and not understanding the difference between an asset and a liability.
More money seldom solves someone's money problems. Intelligence solves problems, There is a saying a friend of coach outlet promo code mine says over and over to people in debt.
"If you find you have dug yourself into a hole... stop digging."
As a child, my dad often told us that the Japanese were aware of three powers; "The power of the sword, the jewel and the mirror."
The sword symbolizes the power of weapons. America has spent trillions of dollars on weapons and, because of this, is the supreme military presence in the world.
The jewel symbolizes the power of money. There is some degree of truth to the saying, "Remember the golden rule. He who has the coach outlet store online gold makes the rules."
The mirror symbolizes the power of self-knowledge. This self-knowledge, according to Japanese legend, was the most treasured of the three.
The poor and middle class all loo often allow the power of money to control them. By simply getting up and working harder, failing to ask themselves if what they do makes sense, they shoot themselves in the foot as they leave for work every morning. By not fully understanding nioney, the vast majority of people allow the awesome power of money to control them. The power of money is used against coach 80% off them.
If they used the power of the mirror, they would have asked themselves, "Does this make sense?" All too often, instead of trusting their inner wisdom, that genius inside of them, most people go along with the crowd. They do things because everybody else does it. They conform rather than question. Often, they mindlessly repeat what they have been told. Ideas such as "diversify" or "your home is an asset." "Your home is your biggest investment." "You get a tax break for going into greater debt." "Get a safe flyknit roshe job." "Don't make mistakes." "Don't take risks."
It is said that the fear of public speaking is a fear greater than death for most people. According to psychiatrists, the fear of public speaking is caused by the fear of ostracism, the fear of standing out, the fear of criticism, the fear of ridicule, the fear of being an outcast. The fear of being different prevents most people from seeking new ways to solve their problems.
That is why my educated dad said the Japanese valued the power of the mirror the most, for it is black huarache only when we as humans look into the mirror do we find truth. And the main reason that most people say "Play it safe1' is out of fear. That goes for anything, be it sports, relationships, career, money.
It is that same fear, the fear of ostracism that causes people to conform and not question commonly accepted opinions or popular trends. "Your home is an asset." "Get a bill consolidation loan and get out of debt." "Work harder." "It's a promotion." "Someday I'll be a vice president." "Save money." "When ! get coach purses outlet a raise, I'll buy us a bigger house." "Mutual funds are safe." "Tickle Me Elmo dolls are out of stock, but I just happen to have one in back that another customer has not come by for yet."
Many great financial problems are caused by going along with the crowd and trying to keep up with the Joneses. Occasionally, we all need to look in the mirror and be true to our inner wisdom rather than our fears.
By the time Mike and I were 16 years old, we began to have problems in http://www.rosherunblack.net school. We were not bad kids. We just began to separate from the crowd. We worked for Mike's dad after school and on the weekends. Mike and I often spent hours after work just sitting at a table with his dad while he held meetings with his bankers, attorneys, accountants, brokers, investors, managers and employees. Here was a man who had left school at the age of 13, now directing, instructing, ordering and asking questions of educated people. They came at his beck and call, and cringed when he did not approve of coach factory outlet them.
Here was a man who had not gone along with the crowd. He was a man who did his own thinking and detested the words, "We have to do it this way because that's the way everyone else does it." He also hated the word "can't." If you wanted him to do something, just say, "I don't think
you can do it."
Mike and I learned more sitting at his meetings than we did in all our years of school, college included. Mike's dad was not school educated, but he was financially educated and coach promo code successful as a result. He use to tell us over and over again. "An intelligent person hires people who are more intelligent than they are." So Mike and I had the benefit of spending hours listening to and, in the process, learning From
intelligent people.
But because of this, both Mike and I just could not go along with the standard dogma that our teachers preached, And that caused the problems. Whenever the teacher said, "If you don't get good grades, you won't do well in the real world," Mike and I just raised coach bags outlet our eyebrows. When we were told to follow set procedures and not deviate from the rules, we could see how this schooling process actually discouraged creativity. We started to understand why our rich dad told us that schools were designed to produce good employees instead of employers.
Occasionally Mike or I would ask our teachers how what we studied was applicable, or we asked why we never studied money and how it worked. To the later question, we often got the answer that money was not important, that if we excelled in our education, the nike free 5.0 money would follow.
The more we knew about the power of money, the more distant we grew from the teachers and our classmates.
My highly educated dad never pressured me about my grades. I often wondered why. But we did begin to argue about money. By the time I was 16, I probably had a far better foundation with money than both my mom and dad. I could keep books, I listened to tax accountants, corporate attorneys, bankers, real estate brokers, investors and so forth. My dad talked to teachers.
One day, my dad http://www.nikefree30flyknit.net was telling me why our home was his greatest investment. A not-too-pleasant argument took place when I showed him why I thought a house was not a good investment.
The following diagram illustrates the difference in perception between my rich dad and my poor dad when it came to their homes. One dad thought his house was an asset, and the other dad thought it was a liability.
I remember when I drew a diagram for my dad showing him the direction of cash flow. I also showed him the ancillary expenses that went along roshe run women with owning the home. A bigger home meant bigger expenses, and the cash flow kept going out through the expense column.
Today, I am still challenged on the idea of a house not being an asset. And 1 know that for many people, it is their dream as well as their largest investment. And owning your own home is better than nothing. I simply offer an alternate way of looking at this popular dogma. If my wife and I were to buy a bigger, more flashy house we realize it would not be an asset, coach bags it would be a liability, since it would take money out of
our pocket.
So here is the argument I put forth. I really do not expect most people to agree with it because a nice home is an emotional thing. And when it comes to money, high emotions tend to lower financial intelligence. 1 know from personal experience that money has a way of making every decision emotional.
1. When it comes to houses, I point out that most people work all their lives paying for a home they never own. In other coach outlet online words, most people buy a new house every so many years, each time incurring a new 30-year loan to pay off the previous one.
2. Even though people receive a tax deduction for interest on mortgage payments, they pay for all their other expenses with after-tax dollars. Even after they pay off their mortgage.
3. Property taxes. My wife's parents were shocked when the property taxes on their home went to $1,000 a month. This was after they had retired, so the increase put a strain on their retirement budget, and they felt forced to move.
4 http://www.nikerosherunwomen.net Houses do not always go up in value. In 1997, I still have friends who owe a million dollars for a home that will today sell for only $700,000.
5. The greatest losses of all are those from missed opportunities. If all your money is tied up in your house, you may be forced to work harder because your money continues blowing out of the expense column, instead of adding to the asset column, the classic middle class cash flow pattern. If a young couple would put more money into their asset column katespade early on, their later years would get easier, especially as they prepared to send their children to college. Their assets would have grown and would be available to help cover expenses. All too often, a house only serves as a vehicle for incurring a home-equity loan to pay for mounting expenses. In summary, the end result in making a decision to own a house that is too expensive in lieu of starting an investment portfolio early on impacts an individual in at least the following three ways:

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