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Boiled Down Money Goo

~ tips for propelling your financial future

Boiled Down Money Goo

Category Archives: Fun

Penny Spa

11 Saturday Feb 2017

Posted by moneygooguru in Fun, Health and Food

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Tags

food, penny, spa, stay vacation, vacation

Earlier this week my wife and I celebrated our thirteenth wedding anniversary – with a stay vacation all week! Yep, a whole week off work with no wasted time traveling, crowds or traffic, seedy motel rooms, or bad food. Our town is already like a vacation destination and has tons of great food establishments. Plus, our house is very cozy and just right for hanging out. We are close by to parks, trails, and a short walk to downtown.

A definite highlight of our week was our “penny spa” on Saturday, thanks to our nine year old daughter. I don’t know how or why she came up with this idea, but she warned us a few days beforehand that she was going to do a spa on Saturday for us. Then, the night before as we were tucking her into bed she said, “just twelve more hours until your spa!”

img_0312Saturday morning she had everything ready to go; soothing “rain forest” music from the internet, a gooey rub-on mask for facials (smelled like glue!), cucumbers for our eyes, treats (from a paper menu), foot massages, back massages with karate chops, neck massages, hair brushing, and our favorite magazines. My wife got forty-five minutes worth and me, a half hour. I told our daughter that I would tip her and she asked, “why?” She only wanted a penny. Pretty sweet, huh! We’re living the good life for sure.

At lunch time it only seemed fitting that we take her to our favorite gourmet pizza place. Then we went to our favorite French pastry shop. We topped it off with some impromptu shopping and found some bargain deals on a few of her favorite toys.

It was one of those “smelling the roses” kind of days that don’t come around often enough and, when they do, go by all too quickly. Come to think of it, the entire week went by way too fast! That seems to be life these days – weeks, months, and even years slipping by faster and faster. But so glad we got this sweet moment!  In fact, a mystery is this: If we were immortal with nothing but endless time, we might long for it to be limited for a while so that we might better savor the moment. Penny spa is that wish come true.

The majority of the world’s best thinkers, leaders, servers, fighters, and artists throughout history are mostly forgotten. Yes there are ruins, writings, and now the internet as if to reach eternity. But there is no vast remembrance of innumerous real greats from ages gone by. Still, the effect of so many of them continues, showing that our magnificent efforts in life are not just about our one short blip in time. Let’s make it count beyond us.

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Snack Warfare

01 Sunday Feb 2015

Posted by moneygooguru in Fun, No Good Deed Goes Unpunished

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Doritos fight, popcorn feud, raid the pantry, snack food, Snack warfare

Just like my wife, our seven year old daughter, Talise, takes her food seriously. So seriously, in fact, that withholding a snack (or threatening to do so) is a wonderful disciplinary tool. But that’s another topic.

popcorn feudsWe never knew just how much Talise loved popcorn until I shared a bag of microwave popcorn with her at home while we watched a movie. My wife does not care for the stuff so it was just Talise and I scarfing it down. We discovered that we could eat a bag in five to ten minutes, tops.

My wife and I observed that if all the popcorn was dumped into one big bowl, then Talise would be worried that papa was eating too fast (and therefore too much of my share). That’s when the bickering would start – and it would continue until the last piece was gone. Talise would tell me not to eat so fast and she’d try to keep me from reaching into the bowl. So I’d tease her by taking a big handful of popcorn and she’d squawk. By the second or third time we had popcorn she asked for separate bowls. And that’s when she demanded at least half of the popcorn.

Sometimes, using separate bowls, she’d take more than half. More than once we’d explain that “papa weights three or four times as much as you, so he should get three or four times as much popcorn.” Even though our daughter is a detail freak like us and pretty good with numbers, she understood what we were saying but never bought into that logic.

The last time we had popcorn, Talise, who usually sits between her mom and I, purposely sat on the other side of her mom just to be out of reaching distance from me so I couldn’t steal any of her popcorn. What fun times!

And so, the saga continued when Talise discovered Doritos, which I love even more than popcorn. On more than one occasion, I’ve raided the pantry and devoured a whole bag in a few days before she could have but a few chips. Recently, my wifemy Doritos came home from grocery shopping with two bags of Doritos. Not being able to help myself, I polished off one bag in two days. The next night, when I reached for the second bag, I discovered a stern note taped to it.  “Dear papa You cant eat this bag You ate a hole bag of deritos This is my bag. Sincerely Talise.” Priceless.

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Money Prick 101 – The RV

07 Friday Nov 2014

Posted by moneygooguru in Debt, Fun, House

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Tags

camper, mobile home, motor home, rv, trailer, trailer house

A “rolling house on wheels” is an awful investment.  Really, investment is the wrong word since investments are supposed to go up in value.  Motor home and camper values drop like a rock the minute you drive or pull them off the lot.  A new RWV (Reverse Wealth Vehicle) is intended for people who can’t do math or are so rich they don’t care about the math.  Would you buy a house knowing it would drop half of its value in a few years?!  You gotta be rich or rash or both to do this.

Good old RV

Living the American Dream

The cost for maintenance, licensing, insurance, and fuel is jaw dropping too.  If the RWV is not motorized, it takes a beast of a truck to pull it.  Either way, going on a trip is like running hundred dollar bills through a paper shredder, then burning them just to be sure they are toast.  All this just because you don’t want to sleep in a motel bed?  Granted, motel beds are a little nasty, but a can of Lysol spray is a lot cheaper than a camper.  Get over it.

What is wrong with the good old-fashioned approach to travel, such as a seedy motel room, cramped pop-up camper, or simply a tent and a musty sleeping bag?  At least consider other means of family fun that don’t involve so much time and expense before you do take the RWV plunge.

If you can really afford an RV and enjoy using it, great!  We’re not against that.  But if you buy an RWV and can’t afford it, then you’re just hauling your financial problems around the country or have a very expensive lawn ornament covered by an ugly tarp like our pathetic neighbors do.  Don’t do it.

Excerpts from Money Prick by Taylor Young

Gotta love this video about RVs, though (warning: if crass language offends you, please don’t watch).

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Global Business Model

08 Wednesday Jan 2014

Posted by moneygooguru in Fun, Help is out there, Travel

≈ Leave a comment

Tags

artist, book cover design, el salvador, global economy, savvy business owner, tatiana

Tatiana

Article by Cory Richardson.

Imagine my pleasant surprise to meet savvy, smart, and eye-catching Tatiana Vila from El Salvador through a recent business venture in which I never even left my town of Walla Walla, Washington.  Thank you Internet and global economy!

It all started with my browsing a Smashwords newsletter.  Smashwords is a gem in the world of publishers for independent book authors.  In the resources list of the newsletter, an entry caught my eye:  “Mark’s List – Low cost cover designers and ebook formatters.”

Since I had recently read an excellent Smashwords article about ways to improve visibility of your books, I was already thinking that, without a doubt, my book covers needed a serious update, especially since I had done them myself.  Though I like to think of myself as an artist (writer and musician), I needed to shove down a little pride and admit that I can’t do everything like an expert…ah, for example, my own book covers.

Reviewing the book cover artists’ portfolios on Mark’s List, one stood out in particular: Vila Design.  Visually, their covers really seemed to “pop.”  That’s exactly what Scorpion2I was looking for.  Oh, how my own book covers looked even more sad!  This was definitely the needed slap in the face.  Their website looked fresh and simple too.  After an inquiry, I was immediately contacted by a Tatiana Vila.

Tatiana seemed enthusiastic about working with me on a cover, her prices were right, and I especially liked the statement on her website that there could be “Unlimited rounds of revisions until you’re 100% satisfied!”  We perfectionists appreciate that!  Besides, she had me at “Tatiana.”

Now, it is always a bright idea to do some research on anyone you are doing business with, whether online or anywhere else.  Tatiana’s presence online was easy to find, such as her blog, and her profile on Goodreads and Smashwords, where I discovered that she is an author too.  Okay, so she probably knows a thing or two about books!  And book covers, obviously.  She came across as a pro who knows what she’s doing so I thought, ‘let’s go for it!’  Besides, remember that Mark Coker from Smashwords recommended her?  I already had a basic trust in “Mark’s List” because I think that Smashwords is genius.  And how can you not be thoroughly impressed with Mark’s free guide for publishing ebooks, “Smashwords Style Guide,” which by the way is THE best instruction on using Microsoft Word that I’ve ever seen (okay, I haven’t seen any, but I’ve used Word plenty so there’s no doubt he knows what he’s talking about)?  But I’m diverging.

Silicon FacadesFast forward a month or two.  Currently we’re at book cover number five with Tatiana, and her talents continue to impress me and my wife.  She has a great eye for design and I must say, she’s pretty much nailed every cover on the very first try.  And I tend to be a detail freak.  A few times I’ve asked her to make some changes (which she did without hesitation) only to end up going back to her original version anyway.  Yep, she’s got a real talent for this.

But it’s more than just book covers.  In our conversations back and forth in the course of doing business, I learned a few things about Tatiana, like she:

Lives in San Salvador, El Salvador.

Studied in the south of France for four years.

Has a Bachelor’s degree in Hotel Management from the Institut Vatel in France.

Adores spicy Mexican food, wine a close second.

Has traveled, besides France and other European destinations, to the United States (Florida, Texas, New Mexico, Indiana, Illinois, Tennessee and Kentucky).

And she loves spending time with family and friends, and going to the coast and the mountains.

Tatiana was gracious enough to send me some pictures of her favorite spots in her Zonte Beachbeautiful country, as well as some candid shots of her and her family.  She’s “good people,” I can tell.

So, see why I must do an interview?  She is so intriguing that I thought it would be golden to find out some more about her.

Tatiana Vila Interview:

Cory:  Your book cover design website, Vila Design, is so professional looking, a fitting showcase for your impressive portfolio of book covers.  Did you design your website?

Tatiana: Yes, I did! Good thing that you mention it because it took me a long time to design it. One more thing I can put in my skills, I suppose. 🙂

Lost at SeaCory:  Your portfolio of book covers caught my eye more than any other cover designer in the Smashwords listing.  When did you start designing book covers and what led you to do it?  How did you end up on “Mark’s List” from Smashwords?

Tatiana:  Like you said, I am a writer and started just like any other Indie writer looking for a good cover designer. To my surprise, though, the ones that offered professional work were too expensive and way out of my budget. That’s when I realized I had to give it a try and do it for myself. Fortunately, it ended up well!  I received a lot of compliments on my cover for THE YLEM, my first book, which drove several authors to seek my help. When I least realized it, I had a small portfolio of 10 book covers. I knew Smashwords was accepting submissions for their “ebook cover designers list” and since there seemed to be a lack of good, affordable cover designers, I decided to send my work to Mark. As you can see, I ended up being accepted, and work and satisfied customers have increased over the years. Life is good. 🙂

Cory:  Do your customers usually discover that you are from El Salvador?  Do they ask you many questions besides business?

Tatiana: Normally they don’t. Crazy, right? Some authors do ask me but most assume I’m from the US or Russia (because of my name).

Cory:  When designing book covers, are people generally super nit-picky (a pain in the The Yelmass) about what they want so that you spend a lot of time making changes?  Or are people mostly easy to please?  Or do you just hit a home run every time because of your talents?

Tatiana: I would love to say I hit a home run every time but perfection is hard to achieve, especially when tastes are so different. But I can’t complain. Most people are easy to please, really. I haven’t had a hard time doing rounds of changes. There are some customers who are nit-picky and take advantage of the rounds of changes, but hey, it’s completely understandable. Writing a book is hard work and the cover is your card of presentation. Getting the best cover possible is a golden rule. 🙂

Cory:  Where is most of your book cover business from?  Where are some of your other customers from?

Tatiana:  Most of my business comes directly from Smashwords, but a major part comes from word of mouth as well. The latter is my favorite, of course!

Cory:  When did you start writing books?  How many books have your authored?  What genre?  Are you working on a book now?

Tatiana: I started writing books just after I graduated from college in France. The written word has always been a passion of mine, so having the possibility to get Break Awaysomething published, even if self-published, was a dream come true. Until now, I’ve written two books and I’m finishing the third, Alluvion, which is part of The Ylem trilogy. Break Away, my second book, is part of another series. All of them are YA.

Cory:  I noticed quite a few books on Amazon that you have co-authored?  What was your role in co-authoring?

Tatiana: Honestly, I didn’t do much. I just gave my output regarding titling and plot. So nothing fancy.

Cory:  Have you designed the covers for your own books and your co-authored books?

Tatiana: Yes, all of them. 🙂

Cory:  Have you used other publishers besides Amazon and Smashwords?

Tatiana: I haven’t. I’m really satisfied with their service so changing publishers isn’t in my mind, really. I totally recommend them!

Cory:  What general advice would you have for book authors wanting to make it big?

Tatiana: Write a lot. It’s harder for indie authors to make a name so releasing 2-3 books a year is good marketing (something I haven’t been able to do, unfortunately).

Cory:  What is your dream job?

Tatiana: Actually, I’m already doing it. No kidding. But if I had to choose something else, then I would love to have one of those shows where they scare people! It’s just too funny and, of course, I LOVE to scare the hell out of people. Just ask my family. Lol

Cory:  Were you born in El Salvador?  You also mentioned Spain.  What is your connection to Spain?Coatepeque Lake

Tatiana: I was born in El Salvador but I have a Spanish passport. See, my dad is from Valladolid, Spain, so that entitles me to have the Spanish nationality, which is really cool because I get to vote for both countries. 🙂

Cory:  Have you lived anywhere else besides El Salvador and France?

Tatiana: I lived in Mexico for 6 months. Thank God I decided to come back to El Salvador because if I stayed one more day over there, you wouldn’t have noticed the difference between Shamu and myself! Mexican food is just SO good and yummy!

Cory:  What did you do on your visits to the U.S., Florida, Texas, New Mexico, Indiana, Illinois, Tennessee and Kentucky?

Tatiana: My sister Heidi lives in Indiana, so most of the time I go to visit her and we occasionally do road tips. For the rest, it’s just for the sake of good, old fun tourism. 🙂

Cory:  In all our emails back and forth, your English has been perfect.  I noticed that from your very first email.  It didn’t take me long to realize that you are one smart cookie.  So I figured you might speak other languages.  You told me Spanish, English, French, and Portuguese.   Wow, you don’t say!  When did you learn these other languages?

Tatiana: In High School! That is one of the perks of studying in a French school. You get to learn a lot of languages. Traveling helps a lot, too.

Theta Series Book 1Cory:  I read on your blog website that you love to sing and compose songs.  Pop rock.  Tell me about that.  Do you play guitar?  Have you recorded any songs?

Tatiana: Oh, I wish I could play the guitar. I tried once but, really, my fingers couldn’t keep up with me! Lol. I’ve just recorded myself singing a cappella, without music so it’s pretty much boring.

Cory:  You told me that you are getting married next year.  Congratulations, I wish you the best.  Your beautiful picture, “I said Yes,” is every guy’s dream.  Your husband-to-be is, no doubt, one lucky guy.  And your life will be enhanced too.  It’s all a big change.  Do you plan to continuing writing and designing book covers after you are married?

Tatiana: OF COURSE! I don’t see myself in life without this! I’m a creative person and I really feel the need to let my creative juices run wild. 

Cory:  Do you have any grand travel plans in the next year?

Tatiana: My honeymoon? Lol. Though I still don’t know where I’m going. I’m planning to go to Indiana again sometime next year, too. 🙂

Cory:  What do you see yourself doing in five years?

Tatiana: I’ll be boring here. Sorry! But I see myself doing more and more book covers and, ok, perhaps signing a film contract for my books! Lol. I just couldn’t help to say that.

Okay, people, what do you think?  Tatiana, you are gold.

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Free eBooks Humor & SciFi

23 Wednesday Oct 2013

Posted by moneygooguru in Fun

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Here are a few eBooks that will be free on Amazon this weekend.  A little humor, and a science fiction tale will help you smile and escape from this all too serious world, if only for a few brief moments.

Money PrickMoney Prick, The Harsh Truth Your Friends Don’t Have The Balls Or Brains To Tell You, by Taylor Young

Free Oct 26 & 27

You’re in luck.  You just found the most enjoyable, hilarious book you’ll ever read on a typically not-so-fun topic; family/personal finances.  Even if you know all this stuff already, it’s worth reading just for the laughs!  WARNING:  If you are offended by some crass language, then maybe this book isn’t for you.

The short and sweet, face slapping innuendos of the Money Prick will drill home must-know personal finance tips in such a way that you won’t want to put the book down.  Author Taylor Young has ingeniously earned the title “big prick,” insulting you from the opening chapter right up to the very last lines.  You might as well be thoroughly entertained as you bone up on the money tips that will transform your life, help your family and possibly save your marriage (or future marriage).

 

How I Lost A Million Dollars Twice, And Other “Brilliant” Adventures, by Taylor YoungCover How I lost a Million Dollars Twice

Free Oct 26 & 27

What do blown Cadillac coups, cops, and credit cards share?  Where do inheritances gone AWOL, horrible houses, and greasy food get intertwined?  And how in the hell would payday loan sharks, rich people, and your neighbor’s yappy psycho dogs mix in any story with an other-than-disastrous ending?

Through a bizarre twist of circumstances, follow Taylor Young’s eclectic accounts of kissing goodbye a couple million dollars by a ripe ol’ young age.  Enjoy someone else’s misery while you learn what not to do with your time and money thanks to Young’s numb skull, painful lessons.

WARNING:  This book is intended for fun.  Don’t expect some boring stiff’s detailed guide to personal finances, though there’s more than one golden nugget of wisdom.  And if you are offended by some crass language, maybe this book isn’t for you.

 

Breaching the Guardian DimensionBreaching The Guardian Dimension, by Cory Richardson

Free Oct 26 through 30

a.k.a. Sustained Augmented Brain Energy Retransmitting (SABER) Ladder.

In the 2090’s, mind manipulating “4M” devices are used extensively for “rehabilitation” and have advanced to the point of a bold new usage – breaching the guardian dimension or, as some call it, supernatural exposures.

Coming of age in the 2090’s, friends Marcus, Randi, Vamir and Meagan soon find themselves working at a prestigious government-funded supernatural research facility.  Something goes wrong after Marcus’ very first “exposure.”  His friends watch in disbelief as other employees mysteriously die right after their 4M experiences.  It is not clear whether they’re victims of machine malfunctions, the guardians or something else.

During the mayhem, Randi and Meagan find the “something more” in their relationship that Randi has been longing for all along.  Like their favorite song, it’s para, para, paradise.  But something connected to the research program dooms the girls’ alliance.

The four friends’ relationships are tested as they attempt to work together to figure out why people in the program have been dying for eight years and what can be done to right some of the damages.  The answers lie in where the 4M machines can go.

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Money Prick?

23 Monday Sep 2013

Posted by moneygooguru in Fun

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Recommended book:  We highly doubt there is another personal finance book quite like this insultingly hilarious read, Money Prick – The Harsh Truth Your Friends Don’t Have The Balls or Brains To Tell You.

The short and sweet, face slapping innuendos of the Money Prick will drill home must-know personal finance tips in such a way that you won’t want to put the book down.  Author Taylor Young has ingeniously earned the title “big prick,” insulting you from the opening chapter right up to the very last lines.  You might as well be thoroughly entertained as you bone up on the money tips that will transform your life, help your family and possibly save your marriage (or future marriage).

 

Money Prick Cover (Vila 01)

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The Old Young and Young Old

09 Tuesday Apr 2013

Posted by moneygooguru in Fun, saving money, Time

≈ Leave a comment

Tags

baby boomer, midlife crisis, old young, young old

over the hillAre you too old to be young, but too young to be old?  You’re likely from the “baby boomer” generation.  Having worked for longer than you have left to work, you’re starting to count down the years to when you don’t have to go into work anymore.  It’s still a long ways off but you find yourself thinking of it more and more.

You’ve probably cut back on some on your frivolous spending too, after looking at your weak investment statements.  You started saving too late, spent too much over the years, and now have too much time to make up for.

To make things worse, the younger people view you as old, and the gray hairs see you as a young whipper snapper.  You’ve already had a mid-life crisis in your forties.  You bought the sports car.  And you tried some partying like in your youth only to find you’re now a wimp.  Your round balding head is protruding ever more, as is your belly.

So what’s left?mid life crisis

Whether you see it or not, you’re actually in your prime.  You’re probably still pretty healthy.  You’re probably making more money than ever in your life.  Your kids are probably grown or mostly so.  You’re in a good spot!

Don’t get caught up in things!  Get caught up in the moments.  Enjoy the simple things each day.  Save away all the money you can and forget about it.  Instead, make life about enjoying things that don’t cost money.  If you had done this when you were younger, you’d be there already.  But it’s not too late.  Go for it.

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Should I Buy Silver?

03 Wednesday Apr 2013

Posted by moneygooguru in Fun, Growing Wealth

≈ 1 Comment

Tags

1964 Kennedy half dollar, buy silver, buying silver, half dollar, silver, silver coin, silver dollar

I’m not going to tell you yea or nay about whether you should buy silver.  You need to read and read some more.  Ask questions.  Every investment has risk.  But I will tell you about a dream I had last night, a pretty intriguing one.

I wouldn’t have even remembered this dream except I happened to scan some titles of articles in a newsletter this morning and noticed one about gold and silver.  Then, ping.  The dream came back.

Note that I do not own silver, nor to I check on its prices – ever.

cool coinsDream April 02, 2013:

I was holding a 1964 Kennedy half dollar and held it up in front of my face, looking at it.  I’d seen these silver coins a lot when I was younger so was quite familiar with them.  It was a little tarnished looking around the rim.

I was in a pawn shop, and handed it to a guy behind the counter and asked him how much he’d give me for it.

He took a look at it and said, “twenty seven dollars.”

“How much is silver worth now?” I asked.

“Sixty dollars an ounce,” he said.  “Do you want to sell it or not.”

I thought about it.  Do I sell the coin and hold on to the cash, or keep the coin?  I decided to sell it for $27 and immediately felt disappointed.

—end of dream—

So as soon as I remembered the dream this morning, I hopped online.  I’m curious what the price of silver is today.  The first article I click open is someone predicting that silver will go to $60 per ounce within a few months.  That seems strange, because that’s the price it was in my dream.

What is the price of silver is today (April 3, 2013)?  $27-28 per ounce.

Next, I’m curious what the weight of a Kennedy half dollar is.  Turns out it is 12.5 grams (0.44 ounces).  I was not aware of this or had forgotten.  At $60 per ounce, if sold purely for its 90% silver content that would be worth about $24 (a pure silver coin that same weight would be worth $26-27 dollars).

Coincidences?  I never think about silver.  Why did I dream this?

Now I’m a little perplexed.  Did my dream mean something?  Should I go out and buy a bunch of silver?  Hmmm.  Undecided.  What would you do?

————————-

Do you love to read?  Then try these provocative (but very appropriate) ebooks authored by some rising stars, http://bottlependantlight.com/free-ebooks/

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Faces of a Lottery Winner

26 Tuesday Feb 2013

Posted by moneygooguru in Fun, Not Just About Money

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Tags

distorted faces, faces of a winner, goofy faces, lottery winner, lottery winner faces

Have you ever wondered how giddy you might be if you won a big lottery? Would your composure just drift amuck like a young dude’s ego after cutting the cheese in math class with his wannabe girlfriend sitting in the desk behind? Oh, I thought so…and I bet your face would look more like these goobers and schmucks than you’d ever want to admit.  🙂

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How to Make Your Chiropractor Rich

19 Friday Oct 2012

Posted by moneygooguru in Fun

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Tags

broken bone, bruises, chiropractor, cost of risk, fun and risk, funny, human wrecking ball, make your doctor rich, rambunctious, risk taker

Nearly everything we do touches our wallets!

Risk can be fun.  Oh, ya!  And when you’re young it seems that fun is all about taking risks, which sometimes translates to foolish or outright stupid.  Nothing wrong with having some fun necessarily.  But it may cost you – not just in hurt pride but in gobs of money for current and future medical treatments should your grand ideas fail!

Broken bones and bruises are easy to shrug off when you’re young and heal fast or otherwise not paying the insurance premiums and deductibles.  At some point though, especially as we get older, we start understanding the true cost of our rambunctiousness.

For example, at what age would you NOT be a human wrecking ball anymore? Ha ha!  Case in point:  How to make your doctor, chiropractor, and a few lawyers richer with one fell swoop…

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