Nothing is Free

Tags

, , , , , , , ,

Well, some things really are free.  Don’t get me wrong, I like to make money as much as the next guy.  But sometimes it’s nice to just give stuff away.  Sharing all the topics in this blog about “getting it” with personal finances is rewarding.  Getting smarter with money has dramatically changed our lives.

But another lifetime love is music – playing, writing, and recording. Classic rock, guitar music. Some of it is showcased on my music website. And while I love the idea of selling my music on the internet (Amazon, iTunes, Tate Publishing and others), you are welcome to download (for free) any of the songs on my music website. No catch, frills or gimmick.

Our Great Modern Food Supply

Tags

, , , , , , , , , , , , , ,

Just how much is food and health tied to money? They’re inseparable. But don’t miss this one. It’s a big hitter. If we don’t understand these concepts and do something about it, then the effects are national, even global, and catastrophic. It all started with a well-meaning idea to figure out how to increase food production for a starving world. But it quickly began to get out of control.

What do you think happens when the large pesticide and herbicide companies buy out the seed companies, genetically alter and patent features of plant cells that are herbicide/pesticide resistant, and ensure that those plant’s seeds (such as genetically engineered corn, soybean, canola) are the most widely used for food production (thanks to government subsidies)? What if these mega giants go even further and sue farmers who unintentionally end up with the company’s patented product growing in his fields (also forcing the farmer to destroy his own stored seed base because it is now contaminated with the patented product)?

Here’s what happens (and has happened): You now have a cleverly devised, giant scale food monopoly consisting of a few mega companies that control the majority of food production from seed to market. A great disaster is awaiting us. The immense diversification of plant seeds and genetic varieties for farming is being lost. And as a result of relying on relatively few varieties of genetically engineered seeds, unknown genetic side effects in the plants may render crops a failure in certain geographic regions, due to disease, weather or soil conditions. When this happens, there may be few other sources of natural seeds to use and certain crops may not be able to be grown on a wide scale for years until sufficient quantities of other seed varieties can be reestablished. In other words, unpredictable food shortages and high prices.

It seems like the so called solution to world hunger (by the food production giants) could actually be the very cause of future food shortages. And it doesn’t help when countries can import subsidized food products cheaper than they can grow them – it puts the local farmers out of business and makes more and more people reliant on the food giants. This actually has the effect of increasing world hunger should there be a glitch in the mega food production. For a fascinating documentary on this subject, watch The Future of Food (for free) on Hulu.

But supposing everything goes according to plan and there is plenty of highly processed and/or genetically engineered foods to go around. What then? Is our modern food production system safe and healthy? On the whole, no. For the most part, food was much more healthy for us when everyone had their own garden. But because most of us don’t know the first thing about gardening anymore, and because the majority of our diet consists of highly processed “food” products, we have brought on the cause of much of the health problems that affect the “civilized” nations. Malnutrition and obesity together! We are what we eat!

Genetically altered corn based products are killing us, among others.  And we are not eating enough vitamins, minerals and fiber. As a result of our ever poor diets, we turn to the drug companies for the answers to our symptoms (and they’re more than ready and willing to “help” supply us with a pill for every ailment). We don’t even think to look at our nutrition as the possible cause of our health issues. Doctors don’t really go there anymore. Most simply write out another prescription.  Wisdom in food therapy like the Gerson diet is frowned upon.

For a real eye opener on these topics, watch the movies Foodmatters, Killer at Large and Fat Head.

So what can we do? We should grow our own foods and/or buy from the local farmers markets, buy organic, eat raw fresh fruits and vegetables as often as possible, eat superfoods regularly, and avoid over-processed foods (if there are a bunch of ingredients with names you can’t pronounce then chances are it’s over processed).

Let’s re-learn basic nutrition. Try juicing (for a great story on juicing, see Fat, Sick and Nearly Dead)! The food producers and grocery stores will cater to our likes and dislikes. We have all the power – if together we start eating smart again.

This takes practice, and I’m as guilty as anyone in not eating right.  In fact, after recently adding the reference to Killer at Large and stating how corn products are killing us – just that same afternoon I happily ate fried corn chips and corn flour tacos!  Some habits are hard to break.  🙂

Mark Robinson Best Home Remodels

Tags

, , , , , , , , , , , , , , , , , , , ,

When you’re ready to do an upgrade to your home, carefully consider the scope of what you want to do and truthfully ask yourself if it will really add value to your home.  Don’t make the mistake of overdoing it or upgrading in the wrong room or area.  Think about resale.  Will this change help you sell your house faster and for more money later on?  What do most people want?  It’s what sells houses – kitchens and bathrooms.

If you’re not going to do the work yourself or if you plan to act as General Contractor, do some research and find the best talent in the business to perform the individual tasks.  Ask around.  Check references.  Find people that are people-oriented.  And hire local – you’ll get faster service and help support your community.  Consider the small business too.  Any independent business that’s been around a while obviously takes pride in their work.

If you choose wisely, you’ll add immediate value to your home by going quality in materials and workmanship.  And you’ll love your home even more.  One of our favorites for that transforming tile work and flooring in the Walla Walla Washington area is Mark Robinson, 509-525-4677. A few of his talents are showcased in the picture below. This really ought to be on a magazine cover!

What’s in a Name?

Tags

, , , , , , , , , , ,

What’s in a name? Everything. Ever wonder what may have happened if the pop sensation ABBA had instead called themselves The Dimples? What if the rock group Van Halen had instead named themselves The Pen Pals? They would not have been taken seriously. Yes, the music may speak for itself, but would they really have been as successful? With a cheesy name we would have judged them completely differently! We’re very biased that way.

So it seems that names really do matter. Why else would so many music artists and actors create a stage name? Richard Starkey became Ringo Starr. Joan Marie Larkin became Joan Jett. Annie Mae Bullock became Tina Turner. Prince Rogers Nelson became Prince. Robert Ritchie became Kid Rock.

Then there’s Zoned, Sandstorm, Aviator, Debi DeAglio, Tommy Nova, Erwin Erwin, Ean Vianabon, Marcus James, and Patriot. Ever hear of them? If not, check them out – they’re pretty good for “no names.” :-)Bottom line, names matter. And so does the substance behind the name. The music. The acting. But there may be one exception to the importance of names.

In fact, beware of “stage” names and marketing gimmicks when it comes to money management firms and so-called financial experts. Is your money manager/advisor just a cleverly devised stage name stuffed shirt with expensive advertising and empty promises of making you successful, or is there really character and proven experience behind them? You’d better be sure, because your future will be affected so much by who you choose to help you win with your money. And in this case, the name really doesn’t matter.

In fact, the more real the name with money gurus probably the better. Street smarts and substance are everything here. Scott Krivoshein or Raymond James would do quite well. Erwin Erwin or Ean Vianabon…hmmm…

Gimme a Dollar Then!

Tags

, , , , , , ,

One of my coworkers, George, was telling me last week that quite often in his conversations with people about ways to save money on things they buy, many folks will kind of shrug off the idea of only saving just a few dollars and say “it’s not enough money to worry about.” To this George will hold out this hand and reply “okay, give me the money then if you really don’t care about it.” Then they’re not so quick to part with the dough!

This should really make you stop and think about how important the little stuff is. Is it truly worth saving just a few dollars here and there? The short answer is, absolutely! And here’s why.

Aside from the fact that a few dollars here and there can actually add up to significance, and that alone is a reason to save money whenever and wherever possible, the effort and attitude required to get regular discounts/savings is the same regardless of whether you’re saving a few dollars, or a few thousand.

This frugal way of thinking has to become a way of life. Once it’s ingrained in you, then you will more often opt to save money no matter how much or little. The sad fact is, though, if we aren’t too concerned over saving “just a few bucks” on something then we probably have not trained ourselves in being thrifty enough and are likely missing out on many potential savings.

For example, Deborah and I will periodically examine all of our “utility” type payments (phone, television, and internet services, etc.) and see if we can get better deals. Usually it takes just a little research on current promotions and a phone call to the provider to get a better deal or an upgrade to your plan for no extra cost. It helps if you avoid contracts. And if we buy a bit too much material at the home supply store, rather than let it take up space in the garage, we’ll return it – even if it’s only several bucks worth.

Does this sound like we’re cheap skates? Call it whatever you want but this kind of attention to detail has enabled us to own our house outright and have no debt after only about seven years. We evaluate every purchase to ask ourselves whether we really need it and, if we do need it or just want it, then can we get it cheaper somehow? And we do this at every level, big or small. The previous examples about utilities and materials from the home supply store are peanuts compared to the huge savings we’ve realized on big purchases like cars and our house.

So be a nerd about your spending. Count the cost before plunking down your cash. Evaluate. Sleep on it. Ask someone’s opinion. The irony is that you’ll soon find you can afford so much more because you’ve learned to keep more in your wallet!

Stuck in Beijing China (go with the flow)

Tags

, , , , , , , ,

We arrived at the Harbin China airport promptly at 10:30 am, two hours before the flight to Beijing. It was a cold, clear January morning and although it had been sunny all week it seemed clearer and brighter today. Maybe that was because we were going home. Beijing is where we would catch the international flight back to the United States.

Our trip had gone well. A coworker and I had visited a food plant in Harbin to assess existing equipment in preparation for an expansion. We had met an international project team with members from Canada, the United Kingdom and China. We all had worked, commuted and ate together for three days, walked in the city in the bitter cold evenings, and even caught the unique Harbin Ice and Snow World on the last night. It was a productive and unforgettable time. A lot of activities had been crammed into several days in almost a blur and now it was time to leave.

At the airline ticket counter, I presented my passport and hoped there would be no problem getting my boarding passes all the way to San Francisco. I was caught off guard and a little concerned to only be given a boarding pass to Beijing, with instructions that I would have to get the boarding pass for the other leg of the trip once I got to Beijing. More disconcerting was the fact that my coworker got his boarding passes all the way through to San Francisco, though our tickets were supposedly the same. But they assured me that there was something different with my ticket so there was nothing more they could do. I had an uneasy feeling because we were only to be in Beijing barely an hour and a half.

The fact that we were late leaving Harbin by about a half an hour didn’t help my apprehension. And by the time we landed at Beijing and taxied forever, got off the plane at what seemed like the furthest gate out and hustled the long way to the nearest ticket counter, another fifteen minutes had burned up. But I was thinking “we have a least a half hour to board the plane so, no problem.” Wrong! I was told that boarding passes could not be issued within one hour of the flight. I was out of luck. Remember my coworker who had his boarding pass? I wished him luck as he ran on to his gate. Yep, he made it, just barely.

If I was lucky, maybe the next flight for me would be later in the day. So I made my way upstairs to the main international ticket counter. But they only confirmed my sneaking suspicion that the next flight would be the next day at the same time. They would arrange for a bus to take me to a hotel, and warned that I would be sharing a room unless I wanted to pay extra. Great! More than a few choice words were muttered as I stepped away from the counter. And as the sinking feeling began to hit me that, yes, I was really stuck here another twenty-four hours without knowing a soul or speaking the language, I heard it: Music, but not music to uplift my soul. No, as if to enhance the sinking feeling of defeat, Beethoven’s Moonlight Sonata was steadily streaming through the airport on the loud speakers! Oh, what perfect music to set the mood! Though I was aware of the irony, I felt even more irritated at the turn of events in just the last fifteen minutes.

So, as I stood there fuming and waiting for the bus, I imagined what a hassle this was going to be. After all, just the night before when we had gone to the Ice and Snow World in Harbin, there had been a language barrier between us and the cab driver, who spoke no English. Nor did the woman who got in the taxi with us at our hotel, supposedly to buy us tickets to the ice show. We trustingly each gave her 300 RMB (about 48 bucks) for tickets and watched her ditch us not once, but twice before she actually got us inside the grounds of the ice show and then we never saw her again. We were relieved to find our taxi still waiting for us an hour and a half later when we’d had enough of the frigid cold.

But being stuck in Beijing was a little more nerve-racking than just being ditched at the ice show. I imagined all sorts of potential issues like not getting back to the airport in time the next day due to some miscommunication and missing my flight again. As much as I would have enjoyed some sight seeing around Beijing, I didn’t want to take the chance. Infact, I was skeptical about leaving the airport at all. Maybe it would be better to just stay in the airport all night. I’d done that before. As I pondered the options, out of the corner of my eye I noticed a colorfully dressed young woman walking towards me, cheerfully pushing a cart loaded with big flowery suitcases. She looked Chinese and I was a little surprised when she said to me in perfect English “the bus is coming now.”

Turns out that Ying, a Chinese college student now finishing school in Canada, had missed her flight to New York. However, unlike me who had my flight lined up for the next day, she was put on a waiting list so wasn’t even sure to get out the next day. But she didn’t seem upset at all and explained that she always figures to get delayed coming or going on every trip. Hmmm, guess I needed to take a chill pill.

The bus was new, the commute short, and the hotel seemed nice enough too. They supplied a free dinner so I went to the restaurant and sat down. It was not your typical sit down and order from the menu type of place. You sit down at these large round tables and they bring you what they bring you. There were only a few other people sitting around, not looking happy. One older Norwegian gentleman at my table complained that the service in China had been declining for thirty years. Ying came in and joined our table. When the food came, I thought it looked like it must be a traditional Chinese meal; Beijing cabbage, beef and vegetables, bean sprouts and egg, rice, and egg flower soup. Ying was surprised that I could use chopsticks. I told her that my wife and I loved Chinese food and asked her how she would rate this meal on a scale of 1 to 10 (10 is best). She said 3. The older gentleman looked unapprovingly at the food and said he didn’t want beef. So Ying spoke to the servers in Chinese, asking if the Norwegian could have chicken instead. They served him a spicy chicken version and he later said the meal was very good and looked like his mood had greatly improved.

A few Beijing beers later and a lot of questions to Ying, I had learned quite a bit more about China, how they all learn English in school from a young age, the long hours they generally work, the high cost of housing, and several Chinese words. Ying also told me about her parents, her boyfriend, college and her favorite foods. I told her about my wife and kids, and adventures on this trip to China. Meeting Ying was really enjoyable and my attitude about being stuck in Beijing had sure changed. And before I knew it, it was time to call it a night. One of the last things Ying said to me was “Okay, I don’t know you but I think you talk too much today.” 🙂 I laughed and told her it was probably the beer talking or, using one of my new Chinese words, juping (pronounced “joping”).

————————–

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

Who has your information?

Tags

, , , , , , , , ,

Have you ever wondered if your cell phone can track you and whether there is a computer file stored somewhere with information about the places you’ve been? Seems like this is not only possible, but probable.

On one hand, if you have nothing to hide then there is no real problem. On the other hand, if you’re worried that this is some sort of invasion of privacy – you signed up for it. Read the small print in the contract.

If this freaks you out then maybe you should also stop using credit and debit cards, cut up the grocery store savings cards, give up the checking account (use cash) and forget doing any on-line purchasing because there are certainly records kept everywhere of what you buy and when.

If this stuff bothers you then you should probably also quit Facebook, MySpace, YouTube and all your other online accounts and social networks because a lot of your personal information is out there for anyone to see (or at least in someone’s database already). Have you ever done a Google search on your name? It’s pretty easy to find your address and former addresses, names of family members and other personal information.

You have to make a real effort to be anonymous in today’s world. The irony is if you legitimately want attention (such as in a blog, music website, or whatever) it’s hard to get noticed. But if you screw up, then watch out! There will likely be some kind of record of it that can be found and used to humiliate you or worse.

Still paranoid? Read this great article by David Pogue, Your iPhone Is Tracking You. So What?  Bottom line, provide personal information cautiously.

Of course, then there are the cell phone radiation sores

The Harbin China Ice and Snow World

Tags

, , , , , , , , , ,

When you travel, look for something unique to that area to see or do. And fork out the money to do it. Otherwise, what is really the point? Traveling somewhere just to relax is great, but you can accomplish much of that in a stay at home vacation. Yes, get some R & R but don’t just stick around the resort. Venture out and about and find something outside the common tourist activities.

It may be a little risky or out of your comfort zone. It may involve a taxi ride with someone who doesn’t speak your language. It may mean braving the elements – hot, windy, wet, or frigid. But you’ll treasure the experience and the memory. And take lots of pictures. Write down notes of your experience. Otherwise, the recollection will fade.

Case in point: The Ice and Snow World in Harbin, China. I just happened to be there recently on a short business trip with some coworkers. In fact, we were so busy each day with commuting and working that there was hardly any time left to eat dinner each night. But we had heard about the Ice and Snow World, opening just the week prior. So a group of us went one night. But it wasn’t as easy as merely buying tickets and walking in the gate.

It was -18 C outside and windy that night. It was too far to walk from the hotel. There had been a language barrier between us and the cab driver, who spoke no English. Nor did the woman who got in the taxi with us at our hotel, supposedly to buy us tickets to the ice show. We trustingly each gave her 300 RMB (about 48 bucks) for tickets and watched her ditch us not once, but twice before she actually got us inside the grounds of the ice show and then we never saw her again. We were relieved to find our taxi still waiting for us an hour and a half later when we’d had enough of the frigid cold.

While we walked about the enormous grounds, we were awestruck by the sheer size, number, and variety of the ice sculptures, snow sculptures and full-scale buildings, modeled using the architecture from numerous regions, made entirely of ice blocks that were fused together like brick and mortar. Making it even more magnificent was the colored lighting within the ice of every part of every building. And this night there was a near full moon in the black sky to frame the scene. This was a world class event – something you might see once in a lifetime.

Glad I was lucky enough to be there when it was going on. And yes, I took lots of pictures although my fingers got so cold I could hardly feel the camera.

Our local newspaper the Union Bulletin enjoyed these picture so much that they ran an article about this cool event.

Picture Slide Show With Fun Music

Video Clips with Live Sounds

———————–

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

Pay off House or Invest in Stock Market?

Tags

, , ,

We paid off our house early. In fact, eleven years early on a fifteen year loan! For a time we put everything extra we had each month towards the house. During some of this time we put none into retirement accounts. Was this a smart move?

I recently read this well-written article, Should You Invest in Your 401k or Pay Down Your Mortgage? Some interesting numerical examples are given to compare these two strategies.

Depending on the economy and your mortgage details, you may be money ahead to put extra funds into retirement and not the house. But there is increased risk in doing this. Read the article for a great explanation. If you want to minimize your risk, then paying off the house early may be better because you can’t predict the economy or your job situation.

The Millionaire Secret

Tags

, , , ,

Now here’s a paradox. The rich sometimes look poor and the poor sometimes look rich.

The best book we’ve read on the lifestyles of the rich (and the pretenders) is called The Millionaire Next Door by Thomas J. Stanley and William D. Danko. This book is a real eye opener. They interviewed millionaires and found a surprising number of them live in modest neighborhoods and drive boring cars.

So who then is living in the big house in an exclusive neighborhood, and “paying” for fancy vehicles, expensive toys and vacations? It’s likely the lavish wannabe that has moderately high to high income, but little net worth. Everything they have goes towards the minimum payments on their expensive lifestyle. Their impressive house is making them house poor. They are working more hours than they would like to keep up the golden window dressing. Most onlookers envy their dazzling lifestyle and wrongly assume the lavish wannabes are rich. Nope. And they likely never will be.

And this “wanting to look rich” mentality has trickled down to the moderate income levels too, thanks to clever advertising and easy credit. How many times have you seen fancy newer rigs (way nicer than yours) parked in the driveway of a dumpy house or apartment building? Everyone wants to look more successful than they really are.

Trying to look rich before becoming rich is the surest way to the poorhouse that we know of. People must choose whether to look like they’re rich or to live under their income and save the difference like most millionaires have done. The true millionaire down the street is like a “sleeper” car that looks unimpressive, but can outrun anything in the neighborhood.