Global Prosperity Challenge

03/15/2025

Saturday, March 15, 2025 - Sunshine Perspective.

Just a couple of days remaining on my ‘working’ trip to Waikiki, a time of sunshine, lots of smiles and the usual awesome ocean breezes.

Waikiki is part of Honolulu, a city of 300,000, a small ‘big’ city when compared to, say, New York or Los Angeles, but the high rises, luxury hotels/resorts, high end shopping, the beautiful beaches, bustling pedestrian traffic and, of course, endless sunsets make this a destination matching any.

For me, the happy attitude, in general, is the true measure of the city.

Waikiki is geographically centered between Tokyo and Los Angeles and, if I had to guess, I would say the visitor population is little more Asian than American. The Asian visitors tend to be slim and well dressed; the American side is a mix of super-sized bodies and flip flops.

There are some stores that cater to specific languages and nationalities but the incredibly wide variety of restaurants are loved by all. I don’t have any science behind my statement, but my guess is Asian food is as popular or close to being as popular as Mexican food in the U.S. Waikiki has every variation of Asian food you can think of with a few Mexican food restaurants along the way.

The happiest people, by far, are the young people, especially from about five to, say, 15 or so years old, who are bubbly everywhere, seem to love everything about Hawaii, and show their joy in wide smiles, animated reactions, and the souvenir shirts and other items they pick up.

The only sign of ‘reality’ was a very small but rowdy, noisy and irritating protest in front of the Tesla showroom in the International Marketplace. A group of 20 or so consisted of about 10 elderly people, a few middle-aged who claimed to be teachers, and four or five very young - five years old or so - sign waivers clearly brought my their activist parents.

I don’t have to comment on the content of the signs, they are exactly what you have seen on television in other locations across the country.

The protests are a gathering of intellectual lemmings making noise.

The International Marketplace is a very popular destination with pedestrians on both sides of the street and a crosswalk in front, and judging from the faces of pedestrians, they were not happy having their time of leisure interrupted by shouting protestors.

The showroom locked their doors and I saw one young lady, perhaps a salesperson, sitting warily by the door, clearly unnerved and uncertain about the protestors’ intentions.

Hawaii is not inexpensive so my guess is visitors were not happy with the distraction. There were no words exchanged and most pedestrians walked past the protestors with eyes averted. This, of course, made the sign wavers even more agitated, they shouted louder but were still mostly ignored.

I did not see any violence or reciprocal shouting so you could say it was a peaceful protest.

Interestingly, the protest was short, maybe an hour, and participants melted back into the crowds and have not returned.

For me, Waikiki is a Disneyland-level mindset with people here to leave the real world, or what passes for the real world these days, behind.

I find the store clerks, especially the young ones in the many coffee and pastry and milkshake and smoothie and other shops very alert, helpful, and sharp … a big contrast to the disinterested, marginally capable ones I see on the mainland.

In the Sunrise Shack, my new favorite coffee shop, I told them i just wanted a great regular coffee - I’m not a foo foo coffee snob - and the girl walked me through her brewing process, told me why she makes ‘the best coffee on the island’ and delivered an exceptional brew … and got a big tip. Real, surprising, superb service.

Another day I was in one of the many shake/smoothie shops, told the employee I really needed a ‘giant, cold shake’ and she proceeded to give me a ‘giant, cold shake’ topped with such a high mound o whipped cream many of the people who walked by me remarked about it through a smile.

One could get used to such treatment.

So just a couple of more days, including a drive to the North Shore, one of my favorite places on earth, tomorrow and then back home.

Hawaii is a state of mind. If you come, you should let yourself feel good, ignore the distractions at home, and just enjoy like you could when you were a little kid. I have been here many times, to each of the four main islands, have two more prepaid trips to book, and am pretty sure both my mind and body are better off for being here.

The near sunset in the picture reflects my mind when here, a mind that forgets there are real problems in that other, real world.

Please feel free to comment and share.

Thank you.

Larry Oxenham
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Substack: [email protected]
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03/10/2025

Monday, March 10, 2025 – No More Articles?

I have received many emails and texts asking why I haven’t posted an article in the past couple of weeks.

I have posted travel articles on my Instagram and pages, all widely read and well-received, but plan a new direction for my Substack articles.

I stopped, for the most part, writing about politics months ago, primarily because the political scene and media ‘reporting’ is so abhorrent there is not much to add. My hope was the election and 28% approval rating for politicians and 16% approval rating for the media would be a wake-up call for both.

Instead, both became further entrenched and are now so disgusting only a rabid ideologue could love either. Maybe I’ll create a separate newsletter for politics – there is a lot to write about – at some point but, for now, no politics.

Instead, I will continue writing about my travels on Instagram and Facebook and focus my Substack on health issues.

Regular readers know I travel all over the U.S. – flying to Hawaii tomorrow, work, work, work! – speaking to businesses, professionals and entrepreneurs, and get to experience and write about so many cool places.

Long time readers also know I have written about what I consider our national ‘Epidemic of Obesity’, an epidemic I measure by the size of those who join me on my flights and in the cities I visit. Each year the percentage of ‘super-sized people’ including flight attendants, grows exponentially.

More flight attendants have to turn sideways to walk down airplane aisles … and yes, some aisles are narrower than they used to be, but ….

We are past the point of ridiculing or, in the case of a certain singer, glorifying a fat body, and need to recognize obesity is a dangerous health condition, it leads to diabetes, high blood pressure, other diseases and shorter, unhappier life.

Obesity is ugly, it is dangerous, it is uncomfortable, it is a killer, both emotionally and physically.

Over the next few weeks, I will write sparsely, will continue posting my travel writings – I have a fairly aggressive travel schedule the next couple of months – and will begin researching my health-related articles. Your thoughts and comments are invited since health is a universal issue.

This is a turbulent time in America, a time of bureaucratic revolt, media malfeasance, political buffoonery, and a time of unease for all of us. But keeping a positive mindset, feeling good, dreaming of traveling and otherwise giving yourself a good reason to get out of bed each morning are goals worth pursuing.

Please feel free to share.

Thanks.

Larry Oxenham
[email protected]
INSTAGRAM:
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02/27/2025

Thursday, February 27, 2025 - Heart at Any Age.

Yesterday my 27 year-old grandson had heart surgery to hopefully eliminate AFIB, or abnormal heart rhythm that results in rapid irregular heart beating.

There are many causes, but this occurs most commonly in older people, especially those who are overweight, suffering from diabetes, high blood pressure and heart disease.

He is 6’1” tall, 175 pounds, works out diligently, eats well, and is in great shape so, according to his doctors, AFIB is rare is someone his age, especially one who is in great shape, is not overweight, exercises regularly and seem to have an acceptable diet.

In other words, he suffers a case of ‘Bad Luck’.

His problems started about a year ago with short episodes but progressed to include massive heart palpitations that go on for days.

The doctors prescribed drugs when an episode gets unbearable - rapid beating, flush upset feeling, overall discomfort and the fear that it is something greater - and they work, but have their own side effects that leave him feeling ill for several days.

After extensive testing, the doctors said his heart is ’normal’ but they believe that there is a defect in one part of his heart that causes the palpitations. The solution is to ‘burn’ that part away and stop sending bad signals to the brain.

The surgery consisted of running a light through a vein in the upper leg into the heart and using a laser to burn the damaged section of the heart. The procedure took about 3 hours, the doctors said it was successful, and now he hopes the problem is gone. According to the doctors, he should take it easy for a week and then, after three months, they will review. Obviously, if he has no more AFIB it was successful, fingers crossed.

So, for the moment, the outlook is positive.
What is interesting is heart surgery has progressed to where it can be outpatient, as his was, and the patient sleeps in his own bed that night.

When my dad had open heart surgery about 40 years ago, the technique was to break open the ribs, open the heart and dig around until the damage was discovered.

For the doctors, this is relatively minor surgery but, still it is the heart they are digging into ... luckily, he has complete insurance.

Please feel free to share.

Thanks.

Larry Oxenham
[email protected]
FACEBOOK Travel and fun: Facebook.com/larry.oxenham
FACEBOOK: Passive Income: Facebook.com/global.prosperity.challenge
SUBSTACK: Passive-Freedom Digest: larryoxenham.substack.com
LINKED IN:www.linkedin.com/in/larry.oxenham

02/25/2025

Tuesday, February 25, 2025 – Housing, The Foundation

The housing market, the most fundamental element of the U.S. economy, is frustrating, confounding, expensive, in short supply and, well, who knows what the future holds?

High prices, high interest rates, sellers who can’t/won’t sell because they have low interest rate loans, new buyers who can’t qualify due to cost and interest rates, legal - primarily zoning - restrictions that prevent new home construction, and government bureaucracies that delay permits by weeks, months, even years.

It seems like everyone wants affordable housing but nobody can get it done.

I live in Southern California, the epicenter of housing unaffordability, where a small home in a modest neighborhood averages $850,000, and a decent home in a more desirable neighborhood tops $1,000,000.

To put this in numbers that make sense, the monthly payment for the $850.000 mortgage would be about $6,000 plus $1000 for property taxes and another $400 monthly for homeowners insurance, if you can get it.

In other words, a ‘basic’ home will cost nearly $7,500 per month.

California has averaged 170,000+ home buying aged individuals moving out of the state yearly.

Housing cost is a concern across America with the average price more than $439k, half of California’s price but, in many cases, 100% or higher than it was just five or so years ago.

We all know the nearly 0 interest rates sparked the buying fever of the past decade but that didn’t stop buyers from paying, often, 50% or more than asking price for homes.

Logic tells us those increases couldn’t continue but logic has no place at the table.

It appears things might be turning because recent reports tell us prices dropped 1.9% nationally in January, maybe we are headed in the right direction.

Probably not.

Compounding the problem are homeowners with 2%-3% loans who can’t afford to move and get a new 6%+ mortgage. (A very simple solution of letting people take their mortgage from one home to another is just too much for our political and banking class to get behind.)

Nationally, the regulatory environment is considered the number one deterrent to building. I can’t speak for the nation but between the state and counties, California’s fees often total 30% or more of the cost of building, and 10-year delays – with purchase prices jumping 100% or more – have magnified the crisis.

As housing prices have risen, so have rents, with many cities imposing rent controls. New construction generally stops when price/rent controls are in place.

The housing crisis is so important because housing is the foundation of the family, the most important, in my opinion, element of America, our optimism, our drive, our innovation, even our patriotism.

When housing prices skyrocket, many who would plan a marriage and/or family put both off.

I don’t know how the housing crisis will be resolved, but it is obvious there are no real solutions coming from our political ‘leaders’.

Please feel free to share.

Thanks.

Larry Oxenham
[email protected]
FACEBOOK Travel and fun: Facebook.com/larry.oxenham
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LINKED IN:www.linkedin.com/in/larry.oxenham

02/22/2025

Saturday, Sunday, February 22, 23, 2025 – Smart words?

I read a quote a few days ago that I can’t put out of my mind –

Don’t ask a man how much education he has, ask him how much he has traveled.

An incredible question, incredible sentiment, incredibly poignant.

The first time I traveled was when I joined the Army at 19, took a train 400 miles north to Fort Ord in California for basic training, then flew to Virginia for advanced training, then sailed by troop ship for two great years near Frankfurt, Germany (and side trips to much of Europe), and then the 22½ hours TWA Flight to Vietnam via Alaska and Japan.

When I returned from the Army, I had been across the world, loved what I had seen, was not intimidated by the unknown, and wanted to see more.

Now, of course, after 30+ years traveling and speaking to audiences in all 50 U.S. states and many other countries, I look at the departure airport as the first page of an exciting chapter.

Every city, every state, every country, is worth a look.and there are many more places I still want to visit.

My son took his first real trip at 11 to a hockey camp in Bemidji, Minnesota by himself (supervised, of course, by airport staff and flight attendants), I flew in the second day of camp, we had a great time and flew home together.

He had only good things to say about his travel, loved meeting new friends, he went back to the same camp the next year, did a basketball camp in Colorado and then, when he was 17, a high school friend who was an exchange student from Switzerland, invited him over and I sent him for the summer.

His eyes were opened, he has since been back to Europe several times, lived on his own in Romania for two years, and sees the world as a place to see and experience.

A few days ago, we were talking about the differences between his perspective and that of his friends who have not traveled, differences that are much greater now that so many international issues lead the news. He has been to Ukraine and to Israel, has friends in both places and his insights are built on the real life experiences of his friends who live in those countries.

I should add that there are two main categories of travel: 1. The cruise ship or guided tour travel that takes you to the well-known spots but you have little interaction with the people who live there and, 2. Walking the streets, living with the locals, experiencing where and how they live.

Both are good. In fact, any travel is better than none, but living with the locals gives special insight.

So the premise, ‘ask a man how much he has traveled', is so good, especially in a country that no longer teaches history, because travel opens your eyes, sometimes takes you out of our comfort zone, but always expands your horizons.

Please feel free to share.

Thanks.

Larry Oxenham
[email protected]
FACEBOOK Travel and fun: Facebook.com/larry.oxenham FACEBOOK: Passive Income: Facebook.com/global.prosperity.challenge
SUBSTACK: Passive-Freedom Digest: larryoxenham.substack.com
LINKED IN: www.linkedin.com/in/larry-oxenham

02/20/2025

Thursday, February 20, 2025 – Technical World.

My brother, who passed away a little over a year ago, would absolutely-not-under-any-circumstances-ever-use-technology.

He did have a flip phone – his daughter showed him the basics –, but never had an app, never used the phone for the time or weather or texting, did not know what an app was, or any of the other cool features.

He did own a computer – again, his daughter gave it to him and showed him how to turn it on and visit websites. He never created or read a document, sent or received an email.

I tried over and over to get him to use text messages so I could send him photos or funny messages, but he refused.

My brother was just stubborn and ornery and I’m pretty sure he liked being the outlier. Since he lived off government disability he didn’t have to work for a living; therefore, no need for technology.

I have some readers, mostly older, who really struggle with technology.

Some of my older seminar attendees have managed to run their businesses without adapting to technology. Most can do simple emails and text messages and do very basic website navigation, some have an office assistant or manager or their kids who take care of technology.

And, honestly, I have not done as well as I should. Even though I am on my computer daily; when something goes wrong I rarely know the reason … just that I probably caused it.

Frankly, I just can’t get interested in programming or a deeper dive into computer technology, even though I should.

I know how to create messages on Facebook and Linked-in and Instagram and Substack, and have used an autoresponder from time to time, but there are a number of computer-based techniques I don’t use … my own fault.

I have on occasion used spread sheets, recovered documents, or actually solved a problem, but not consistently.

The point here is that we are a Technical World, younger generations don’t know what a pencil is, can’t tell time on an analog clock/watch, and would probably fall down laughing if they saw an Encyclopedia.

Cursive writing is no longer taught in many schools, paper records are disappearing, and AI is even eliminating the need for basic writing skills.

And, as the cartoon shows, it seems like every kid has a cell phone and looks to it for information and entertainment.

Honestly, I would like to see more person-to-person conversations, more handwriting, more attention to detail, more pride in work, a return to dressing better, speaking well, and better manners and lots of yesterday’s normal behaviors and actions, but I suppose this qualifies me as a technical dinosaur.

It is a technical world, it is dragging us along, often kicking and screaming, but not participating is just not acceptable anymore.

Please feel free to share.

Thanks.

Larry Oxenham

[email protected]

FACEBOOK Travel and fun: Facebook.com/larry.oxenham

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LINKED IN: www.linkedin.com/in/larry-oxenham

02/18/2025

Tuesday, February 18, 2025 –Egos vs. Intellect.

I don’t write about politics anymore but there is something so disappointing going on that an observation is called for, and it is ‘The World is ending because of everything the President and his Administration is doing …’ attitude of the media.

We expected the Democratic party to be anti the Administration, that’s just politics, (The Republicans did the same with Biden) but the hysterical ‘Constitutional Crisis’ mantra is tiresome.

And I guess I always knew the massive egos in the media would
overpower their limited intellect, but I didn’t think it would be this bad. Apparently, they do not know they have a 16% approval rating … either that or they are so happy with 16% they think it is a mandate for more of the same.

We all get that the media doesn’t like the president and that they now have a new ‘devil’, Elon Musk, to kick around, but I hoped – maybe hallucinated – that they would take a somewhat objective look at the issues and actions and actually report an occasional fact.

There is irony because the current media anger is directed at the people auditing the Federal Government, not at the politicians who have refused to oversee it and those in the agencies who have engaged in the waste and fraud… especially in light of the Social Security and USAID revelations.

Underneath the political and media noise is a troubled country with enormous challenges, a president who is taking massive action that should be scrutinized honestly, thoughtfully and critically, but objectively, and average people, like you and me, who want better.

Frustrating.

Please feel free to share.

Thanks.

Larry Oxenham
[email protected]
FACEBOOK Travel and fun: Facebook.com/larry.oxenham
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LINKED IN: www.linkedin.com/in/larry-oxenham

02/15/2025

Saturday, Sunday, February 15, 16, 2025 – Travel Hassles.

A few days ago, long time reader Bill asked: “Larry, I know you travel often for work, can you offer me some tips to make travel easier. I hate the airport hassle, standing in line to check in at hotels, and trying to figure out which car company to rent from.”

I do travel a lot, for work and, in the past 30+ years, have flown more than 3½ million air miles, spent several thousand nights in hotels, driven untold miles in rental cars, and have learned a few things.

Here is my list of things to make travel easier:

1. TSA Precheck. Not sure I would travel without it. Cost is $120 but is good for five years. (For the same price you can get Global Entry which eliminates the hassles at customs when you travel internationally.) Apply online, pay the fee, they will then set up an appointment at the nearest TSA or airport approved location for a short interview, and you are set. You enter a special line at the airport, do not have to remove shoes and do have to go through the ‘naked machine’. TSA precheck is, in my opinion, a travel must.

2. Get frequent flyer, hotel and car numbers. They are free, good for life, and sometimes get you advantages in price or room or car selection.

3. Get the apps! Every airline, hotel and car rental agency has apps, are easy to use even if you don’t like computers and are free.

4. Use the apps: I check-in with the airline on my phone, get my boarding passes and bypass the counter. My app lets me know if the flight is on time and tells me when it’s time to board. When I land, I check my car rental app, go straight to my car, check out at the exit gate and am on my way; no waiting at the airport rental car counter where the wait can be long, especially if several flights arrive at the same time. Then, my hotel app checks me in and gives me a digital key to open my room door, no stopping at the counter.

5. Carry-on if you can. I NEVER NEVER NEVER check a bag because I am very fond of having my bag go where I am going. Most of the time checking a bag is okay – and you may have to with larger bags – but carrying on forces you to limit what you pack and lets you leave the airport without waiting at baggage claim hoping your bag will appear, undamaged. And, of course, except for very low-end carriers like Spirit and Frontier, carry-on bags are free.

6. If you go to Kayak or Expedia or any of the discount websites, go back to the airline, hotel or car rental site after you find what you want. I have found, especially with hotels, the ‘discount’ rate is often the same as the rack, or retail rate on the hotel website. Booking direct makes it a little easier when you check in… and you get your hotel points.

7. Hotel Choices: I almost always stay at Hilton or Marriott properties because I can check in and out online to save time when I am in a hurry. Also, we often have brochures shipped to the hotels and both Hilton and Marriott tend to be efficient with them. Each of these hotels is also international and, if you travel internationally, assure you consistent quality.

These are some of the little things that make travel tolerable. If you have an idea or two to share, please let me know.

Please feel free to share.

Thanks.

Larry Oxenham
[email protected]
FACEBOOK Travel and fun: Facebook.com/larry.oxenham
FACEBOOK: Passive Income: Facebook.com/global.prosperity.challenge
SUBSTACK: Passive-Freedom Digest: larryoxenham.substack.com
LINKED IN: www.linkedin.com/in/larry-oxenham

02/13/2025

Thursday, February 13, 2025 - Algorithms.

A few days ago, I wrote about the glut of trading programs advertised on Facebook and other online sources.

The word “Algorithm’ or ‘Algorithmic’ is mentioned almost 100% of the time, but what does it actually mean?

In simple terms, Algorithmic means a computer program that uses a defined set of instructions to trade automatically.

The theory is that an algorithm can respond much faster than a person to market conditions and, therefore, generate greater profits faster and more often.

Algorithmic trading is not new, it was introduced in the 1970’s and is widely used by the big traders… but they have inside information and that makes them different from you and me.

What do I mean? Well, most of you know my trading partner and I spent more than four years building and testing algorithmic, or automated trading software, enjoyed some great profits but each account eventually collapsed as wild market swings overwhelmed the algorithms.

The crazy market conditions were caused by national events and by market manipulators.

Market manipulation comes when big traders affect the price of securities and then bet on the outcome. It is illegal, denied by the big investors, but industry insiders admit it is commonly employed.

There have been, however, quite a few advancements in risk management, especially with crypto trading, that can make algorithmic trading consistently profitable, even in crazy market conditions. My trading partner is in the advanced testing phase of several and I’ll let you know when they are worth considering. So far, profits have been consistent, crazy market days – doesn’t it seem like they are all crazy now? – have not created a problem, and the outlook is positive.

Algorithmic trading is here to stay, just hope we can make it work for us ‘little guys.'

Please feel free to share.

Thanks.
Larry Oxenham
[email protected]
FACEBOOK Travel and fun: Facebook.com/larry.oxenham
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LINKED IN: www.linkedin.com/in/larry-oxenham

02/11/2025

Tuesday, February 11, 2025 - Nighttime Rocket!

Coming home after a delicious Mexican food dinner, happened to glance upward and caught this rocket racing to orbit with another Starlink satellite!

Elon Musk’s Spacex launches frequently from Vandenberg Air Force base in California, about a hundred miles north of where I live. We don’t monitor the launch schedules, and the launch track plus the weather usually keeps us from seeing it as is speeds to orbit.

Tonight’s very cool, crisp air led to the long contrails and lit up the sky beautifully.

The rocket was probably above 50,000 feet when I saw it, most likely accelerating through 2,000 miles per hour, so there was no noise, but it is still an awesome, mesmerizing sight!

I had Starlink internet on my recent Hawaiian flight and it was awesome. A reminder that Elon Musk is a national treasure who continues innovating and creating value every day.

https://www.facebook.com/story.php?story_fbid=1157927916110442&id=1216854717&mibextid=wwXIfr

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02/09/2025

Saturday/Sunday, February 8, 9, 2025- Small Business Mindset!

Just returned from 8 days, four states, seminars for several business groups in different disciplines, and lots of conversations with owners.

I am curious about the attitude of business owners this year, whether they are optimistic, whether they are planning to hire, to expand, to grow.

The past four years have been tough on my audience – small business owners – because more than $600 billion in regulations combined with high interest rates and inflation put a halt to any optimism they had. Virtually all government actions either dealt with or benefited large businesses.

Small businesses don’t have the staff to comply with or absorb massive regulation, so they abandon plans and hunker down hoping for a change.

Small business owners come from all sides of the political universe from democrats to republicans to libertarians to non-political and every other variation. Most do not openly discuss politics but will roll their eyes or shake their heads when asked specific questions.
Their emphasis is the bottom line and, as many large companies have learned, spouting your ideology is rarely good business.

My audiences are not the entirety of the business world, but I have been doing this for 25 years and have watched the optimism level change with administrations, but rarely as much as they have with recent presidencies. As our government has grown larger, bureaucrats more entrenched, and politicians more brazen, the people who make up 80% of the hiring force in America have more and more concerns about the direction of the country and their ability to maximize their businesses.

I think this is sort of a watershed year because the past few years have been very tough, the cause of the problems – politics and bureaucrats – have not gone away and, indeed, if the first two weeks of the new administration are an indication, the fight to preserve the destructive status quo is going to be massive.
Fingers crossed, we need small business to do well.

Please feel free to share.

Thanks.

Larry Oxenham
[email protected]
FACEBOOK Travel and fun: Larry Oxenham
FACEBOOK: Passive Income: Global Prosperity Challenge
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LINKED IN: www.linkedin.com/in/larry-oxenham