Thursday, October 21, 2010
Blog being combined
Saturday, June 5, 2010
Saturday, May 29, 2010
Fell into Deep Sleep Right Before Waking
Total time: 7h 28mAnalysis made by Sleep Cycle.My sleep graph for the entire night:
Thursday, May 20, 2010
Why Zuckerberg doesn't have Asperger's. Inspired by #twig
Thursday, May 13, 2010
Now Shipping...Quarter Share by Nathan Lowell
No, not the book by Annie Proulx — Quarter Share.
Amazon now lists it in stock and Ridan reports they have recieved their initial shipments. I’m waiting for my boxes to show up here in the next day or so and you can order a signed copy of your own right now!
Pretty cool, I think.
Friday, May 7, 2010
I find stitcher and it's ilk to be less than useful.
Wednesday, May 5, 2010
Consumer debt is not your friend
Sent to you via Google Reader
Consumer debt is not your friend
Here's a simple MBA lesson: borrow money to buy things that go up in value. Borrow money if it improves your productivity and makes you more money. Leverage multiplies the power of your business because with leverage, every dollar you make in profit is multiplied.
That's very different from the consumer version of this lesson: borrow money to buy things that go down in value. This is wrongheaded, short-term and irrational.
A few decades ago, mass marketers had a problem: American consumers had bought all they could buy. It was hard to grow because dispensable income was spoken for. The only way to grow was to steal market share, and that's difficult. Enter consumer debt.
Why fight for a bigger piece of pie when you can make the whole pie bigger, the marketers think. Charge it, they say. Put it on your card. Pay now, why not, it's like it's free, because you don't have to repay it until later. Why buy a Honda for cash when you can buy a Lexus with credit?
One argument is income shifting: you're going to make a lot of money later, so borrow now so you can have a nicer car, etc. Then, when money is worth less to you, you can pay it back. This idea is actually reasonably new--fifty years or so--and it's not borne out by what actually happens. Debt creates stress, stress creates behaviors that don't lead to happiness...
The other argument is that it's been around so long, it's like a trusted friend. Debt seems like fun for a long time, until it's not. And everyone does it. We've been sold very hard on acquisition = happiness, and consumer debt is the engine that permits this. Until it doesn't.
The thing is, debt has become a marketed product in and of itself. It's not a free service or a convenience, it's a massive industry. And that industry works with all the other players in the system to grow, because (at least for now) when they grow, other marketers benefit as well. As soon as you get into serious consumer debt, you work for them, not for you.
It's simple: when the utility of what you want (however you measure it)
is less than the cost of the debt, don't buy it.
Go read Dave Ramsey's post: The truth about debt.
Dave has spent his career teaching people a lesson that many marketers are afraid of: debt is expensive, it compounds, it punishes you. Stuff now is rarely better than stuff later, because stuff now costs you forever if you go into debt to purchase it. He's persistent and persuasive.
It takes discipline to forego pleasure now to avoid a lifetime of pain and fees. Many people, especially when confronted with a blizzard of debt marketing, can't resist.
Resist. Smart people work at keeping their monthly consumer debt burden to zero. Borrow only for things that go...
Wednesday, April 28, 2010
New #RedPanda book.
Sent from my iPhone
Chris Weiblehttp://www.midwestguru.com
Monday, April 26, 2010
iPhone v Android
Why is there such a huge fight over whether iPhone or Android is better? Don't they both have their place?
People get into a big argument over which is better iPhone or Android. iPhone has a close system. It's clean, safe, and Apple has tight control of the application approval process. No Malware gets in. None. Period. It's incredibly intuitive to use. It's not very adaptable and you can't tinker with it.
The Android is an open system. It's slick, adaptable, can do many things that the iPhone can't do. There's no one controlling what apps you can put on the system. You can tinker to your hearts content. Malware has already gotten in. Due to its adaptability, it's not as intuitive as it could be.
Both phones have their places. Ether phone could be considered state of the art in cell phone technology. And each is pushing the other to improve. Which is better is dependant on a lot of things. When choosing one, you must consider what you need the phone to do, what you would like the phone to do, and what you think of the carrier that offers the phone.
Alergies
Thursday, April 15, 2010
Sleep eludes me
Total time: 6h 37mAnalysis made by Sleep Cycle.My sleep graph for the entire night:
Tuesday, April 13, 2010
Doggy Bone Is A USB Hub
The SMART • E is a smart USB Extender that saves you the embarrassment of pulling out the wrong plug out of the hub. Imagine losing out precious data or function just coz you pulled the wrong plug! How lame!
The practical dog-bone shape diversifies the sockets to the four ends and keeps the wires under control. Hopefully this won’t stay a concept for too long.
Designer: Emma Design Company
Thursday, March 11, 2010
Warm enough at last
- Posted using BlogPress from my iPhone
Location:University Ave,Walnut,United States
Thursday, February 18, 2010
Weight status update
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Location:University Ave,Walnut,United States
Tuesday, February 16, 2010
Pain
Right now the joint between my pelvis and tail bone is inflamed. To say it hurts is like saying a laser is bright. It sounds right, but when you're in the middle of it it's a gross understatement.
I'm on some strong meds and hope to return to work$ tomorrow. If needed, I do have some sick time I can take it.
- Posted using BlogPress from my iPhone
Tuesday, February 2, 2010
Sleep can be elusive
- Posted using BlogPress from my iPhone
Location:West Des Moines,United States
Friday, January 22, 2010
A bad dinner
Thursday, January 21, 2010
Weight progress
Monday, January 4, 2010
Trouble Sleeping
- Posted using BlogPress from my iPhone
Location:West Des Moines,United States