NAUI Advanced vs. PADI Advanced

[tomfcrist]

Yeah RJP, the government has been telling us everything is ok for years though, despite the record numbers of foreclosures,bankruptcies, small business closures and the dramatic price inflation of simple goods such as groceries. Is there more money out there??? Of course there is, the treasury printed more.

As far as PADI having the market share, yes they do. At the same time, I have personal values as an instructor that PADI doesn't align with. It's a personal choice, and it affects my bottom line by exactly zero. I'm not making any more or less money as a Naui instructor, but I have an association that shares my values.

 

[RJP]

Is there more money out there??? Of course there is, the treasury printed more.

Treasury activity has no impact here. Printed money doesn't become "disposable personal income" until it is earned as income by a person. It's essentially "total after-tax earnings" in the US. The analysis doesn't account for whether it's sufficient to cover all expenses and then buy a mansion and a yacht.... or even a loaf of bread. It just says how much "spendable income" is out there.

I think what you are struggling with is the economic reality that things actually AREN'T "tough all over" from an income distribution standpoint. It may very well be the case that fewer people have a lot more money, while others may have very little. Still others may have a fair bit of spendable money... but perhaps it's just not enough to pay the mortgage on the house they had no business buying in the first place and the lease payment on the car they can't afford.

 

[tomfcrist]

Spendable money and disposable income are not synonyms.

 

[RJP]

Spendable money and disposable income are not synonyms.

But of course they are. At least disposable income and spendable income are. I guess technically "spendable money" can actually vary from "spendable income" since some spendable money can come out of savings or other non-income sources such as borrowing. For instances a guy with no job but a credit card may have ZERO "disposable income" income but $20k of "spendable money." So, "spendable money" would actually be higher than spendable/disposable income.

Disposable personal income is "Total Personal Income" minus "Total Current Personal Taxes." Anything left over is spendable - on stuff, investments, or even savings.

Maybe you are - or thought I was - confusing "Disposable Income" with "Discretionary Income" the latter of which recognizes that some of your spendable income may be allocated to non-discretionary spending.

"Disposable Income" - "Payments to Current Bills/Expenses" = "Discretionary Income" which is essentially what is left over after mandatories like food, clothing, housing, transportation, debt service, etc are covered.

It's very possible to have a large amount of Disposable Income and little or no Discretionary Income.

 

[demed]

Complete horse manure.

do you want to tell us about the statistics for NAUI?

i'd like to see the number of certifications, shops, instructors and CDs for the last 5 years

(i wouldn't be surprised if the last year of NAUI growth was when Ronald Reagan was president)

---------- Post added March 11th, 2015 at 08:46 PM ----------

Yeah RJP, the government has been telling us everything is ok for years though, despite the record numbers of foreclosures,bankruptcies, small business closures and the dramatic price inflation of simple goods such as groceries. Is there more money out there??? Of course there is, the treasury printed more.

As far as PADI having the market share, yes they do. At the same time, I have personal values as an instructor that PADI doesn't align with. It's a personal choice, and it affects my bottom line by exactly zero. I'm not making any more or less money as a Naui instructor, but I have an association that shares my values.

not sure where you get your data, but inflation rate has been much lower in the last 8 years than in any of the Reagan\Bush I years

 

[dpspaceman]

This conversation has taken on a life of its own!

 

[MXGratefulDiver]

This conversation has taken on a life of its own!

They usually do ... shop politics suck ...

... Bob (Grateful Diver)

 

[RJP]

This conversation has taken on a life of its own!

 

[dpspaceman]

Lol! Awesome


Sent from my iPhone using Tapatalk

 

[dead dog]

Treasury activity has no impact here. Printed money doesn't become "disposable personal income" until it is earned as income by a person. It's essentially "total after-tax earnings" in the US. The analysis doesn't account for whether it's sufficient to cover all expenses and then buy a mansion and a yacht.... or even a loaf of bread. It just says how much "spendable income" is out there.

I think what you are struggling with is the economic reality that things actually AREN'T "tough all over" from an income distribution standpoint. It may very well be the case that fewer people have a lot more money, while others may have very little. Still others may have a fair bit of spendable money... but perhaps it's just not enough to pay the mortgage on the house they had no business buying in the first place and the lease payment on the car they can't afford.

More information for you to chew on.

DETAILS:

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Bill
dead dog