When I was younger and earned less money, I was encouraged to save. Put a little away each month into savings! That is a wonderful sentiment, but after meeting expenses, what is ever left over?
Some years back after hard times I took a new job, set up new bank accounts, and had my paychecks direct-deposited into Savings. Using the online banking interface I set up a monthly recurring transfer from savings to checking. I began saving money without effort.
It is hard, though, to start from nothing. A windfall helps. If you are me you don’t want to squander good fortune, which is what one naturally does without some sort of system. It is harder, though, to start from nothing.
When you have some savings, you see interest accumulating on the monthly statement. You’re getting money for free! Neat! Sure, it isn’t much but dang it is nice to get ahead of the curve. Times have been good these past years, my savings account has enough money in it to maintain my normal monthly allowance for 3-6 months. (And somewhat more than that if I am layed off and collect Unemployment Insurance.)
Once I have about six months worth of expenses saved up, I usually purchase a CD, which means the bank holds on to my money for a certain period of time, with a certain guaranteed return. Anything beyond six months of income I invest in stock market index funds (ETFs) because I have read that over a long enough time horizon, the stock market provides a better average rate of return than banks do. I can afford that risk, but it is nice to have that one pool of money in a CD coming back to me with a certain return at a certain date, in case things have gotten squirrelly.
While we are in the middle of a nasty recession, my own job is fairly secure. Last time I had savings enough to roll over, I decided to forego the currently-low interest rates and instead buy straight into an ETF. This was in March, when the market had pretty well bottomed out, so although my other stocks and 401(k)s and the like have lost value, that lot of stock purchase has grown in value by 40% and I can smile and claim to be a financial mastermind.
Oh yeah, those 401(k)s . . . and my employer’s stock-purchase program. Times are good: my salary is considerably more than my expenses, so lots of money is drained away from my paychecks into retirement savings, and another pool of capital, before it hits the reservoir of my savings account, which I then tap into my checking to meet expenses. A wiser person than me would manage investments such that one pool is for retirement, another for a house, or a college fund, or whatever . . . I’m not that clever, which is why contributing to 401(k)s is nice: that money is set aside by government mandate! My main financial ambition these days is to buy a house, probably after I get married. (That is a different topic.)
Another financial ambition I have been putting off is college money. For the one part, I don’t have kids of my own yet, and there’s no guarantee I ever will. But I am also an Uncle and a God-father: there are children I know whom I want to succeed . . . on the other hand my own experience is that after I was discharged from the Army, I was a non-dependent and eligible for a lot of financial aid, and I attended an inexpensive state school. It is nice if you can rely on your parents’ generation to help you through school, but I also know that “God bless the child that’s got his own.” That’s not to say I don’t want to help, only that I know that even if I can not help, a way can be found.
All the same, it is a challenge and a strain sometimes to live on a “fixed” income, when there is plenty of money that could be spent so easily. To be sure, I kind of enjoying saying “no” to fancy stuff, and driving around in my old car, making do with less, as generations before have done. But I also like to eat out for lunch, take my girl out, fly home for holidays, buy nice clothes, and support my hobbies. I’ll squeeze a little extra out of the piggy bank for the holidays, maybe a vacation, and other one-time expenses like maybe a new computer, and the occasional needs of broke relatives, but I am mostly tight-fisted. The past few months I have had a growing credit-card balance. I raised my “allowance” for the first time in years to pay it off quicker, but I’d rather endure the sting of interest rates that encourage me to say “no” more often than to raid the piggy bank . . . even when times are good, money is a hassle.
If things continue to go well, I like to think there will be a day in the future where I stand proudly in the newly-purchased house that is the fruit of my labors and discipline. Then I’ll have decades of mortgage payments to look forward to. I’ll feel even more nostalgia for the earlier lean times, when life was full of possibilities. But I will also have the thrill of knowing that my settled, successful, middle-class life offers possibilities of its own.
0-14:22 djh@ratchet ~> ls -lh mail/archive-*
-rw------- 1 djh djh 18M Jun 14 17:17 mail/archive-1997
-rw------- 1 djh djh 29M Jun 14 17:16 mail/archive-1998
-rw------- 1 djh djh 18M Jun 14 17:13 mail/archive-1999
-rw------- 1 djh djh 26M Jun 14 17:13 mail/archive-2000
-rw------- 1 djh djh 25M Jun 14 17:11 mail/archive-2001
-rw------- 1 djh djh 18M Jun 17 2004 mail/archive-2002
-rw------- 1 djh djh 25M Jun 14 17:09 mail/archive-2003
-rw------- 1 djh djh 15M Jun 14 17:08 mail/archive-2004
-rw------- 1 djh djh 63M Jun 14 17:05 mail/archive-2005
-rw------- 1 djh djh 202M Jun 14 16:54 mail/archive-2006
-rw------- 1 djh djh 362M Jun 14 18:06 mail/archive-2007
-rw------- 1 djh djh 202M Jun 14 19:17 mail/archive-2008
I recently went through, and using mutt’s date-range filters, revised my e-mail archives, most notably saving messages stored in Gmail into these annual mbox archives.
I think it was around late 2005 that I started using Flickr, so the ramp up in sizes is pictures being e-mailed from mobile devices.
I delete most e-mail that I receive, but I pretty much archive all personal correspondence, and anything I send.
Also, I was disappointed that when I tried to copy archival messages into Gmail, via IMAP, Gmail would interpret the message date as the date it was copied in to the archive, and not the date the messages was created. That was disappointing. I like Gmail’s search capability, so it would have been nice to give it access to my corpus.
Mainly though, I dig Gmail’s interface, especially while traveling. But I recently got mutt running again because it is a much faster way to step through an Inbox and delete / reply / Archive than clicky click web interface. If only I could give it access to my Gmail contacts . . .
You may think you speak “Standard English straight out of the dictionary” but when you step away from the Great Lakes you get asked annoying questions like “Are you from Wisconsin?” or “Are you from Chicago?” Chances are you call carbonated drinks “pop.”
There’s a new billboard at the bus stop at 19th Ave and Taraval. I could read the first three characters with my own little brain:
ä¿ Insurance 我 I 安 Safety / shelter
Looking up the fourth character: 全 (all) I see that the last two characters together mean "safety". 安 is easy to remember, because "woman under a roof" means safety / shelter / security.
ä¿æˆ‘安全 bao3wo3an1quan2
Ensure My Safety
There are many insurance agencies in the neighborhood.
Back in 2005, Marissa Mayer, VP of Search Products & User Experience at Google, stated:
“There will not be crazy, flashy, graphical doodads flying and popping up all over the Google site. Ever.”
Apparently Google lacks the same sort of respect for the web sites of its AdSense customers, because they started putting animated advertising on my site.
“Say it aint so.”
According to Google’s “self-service tech support” there is no way to turn them off, short of reverting to text-only ads.
This is wrong on a few levels. And I’m not sure if Google is just being its regular sloppy self or if they are getting desperate for revenue such that they’re finding more wiggle room in the “don’t be evil” philosophy.
Whatever is going on down in Mountain View, I will just get along without the $10/mo or so I’ve gotten from AdSense revenue.
I hate spam at least as much as the next guy. Heck, fighting spam is my day job. But I just gotta say, this little guy who made it through the Gmail spam filter this morning just made me smile:
I will never forget a day in high school when I was sitting on a crowded bus, headed home, and the lady in front of me, who was not old or pregnant, had what looked to me to be a pained expression on her face. I wondered if maybe her legs hurt as the vehicle lurched around, but I was a shy kid scared to offer her my seat in case really I had just totally misread the situation. After a while the crowd eased and the woman took a seat near me with obvious relief. I had failed on that day to give my seat to someone in need, and ever since I have made an effort not to repeat that mistake by paying greater attention to my fellow passengers.
I still ride transit most weekdays, and I have noticed especially that younger people tend to fail at the whole courtesy thing. Part of it may be self-involved rudeness, but part of it I think is a combination of shyness, and a fear of making contact with strangers in a public place. My generation was raised on the lessons that the world outside our homes is extremely violent and treacherous and that the most dangerous thing a child could ever ever do is to talk to a stranger. I like to think that with time most people grow out of their shells and feel more comfortable taking the initiative for social responsibility.
My own strategy is that if I see a person who might better deserve my seat, I try to make eye contact, at which point I start to get out of my chair. Then they either move forward or gesture for me to sit down. (It is better to err on the side of getting someone a seat. Also, I think people looking for a seat know to look others in the eye.) In other cases if the vehicle is crowded and eye contact can not be achieved, I’ll often just stand the heck up anyway, positioning myself in such a way that the person who could best use my seat finds it most accessible. (I would hate for a young punk to ignorantly snipe my seat.) (more…)
I think Twitter is over rated. Some BBC commentator was yammering on the radio this weekend about how Twitter was insufficient to replace established media. WTF? Twitter is a way to waste a few minutes of time and occasionally score a chuckle or a wry observation off a friend. Much like a grilled cheese sandwich, Twitter should not be taken too seriously. And yet, there’s a whole ecosystem of people re-tweeting each other and #tagging their posts and live-tweeting as if like hey, its the blog-o-sphere 5.0 with a 140-character limit. Seriously, if you’re imitating the blagojoshere, you’re doing it wrong.
I am presently enjoying an old thick history book. A footnote in the first chapter says:
“Biologically considered, the distinguishing mark of humanity was systematic developmental retardation, making the human child infantile in comparison to the normal protohuman. Some adult human traits are also infantile when compared to those of an ape: e.g., the overdevelopment of brain size in relation to the rest of the body, underdevelopment of teeth and brow-ridges. But developmental retardation of course meant prolonged plasticity, so that learning could be lengthened. Thereby the range of cultural as against mere biological evolution widened enormously; and humanity launched itself upon a biologically as well as historically extraordinary career.”
W H McNeill
“The Rise of the West”
I was thinking that domesticated animals are similarly developmentally retarded relations of their wild kin. Dogs mature to a wolfishly adolescent level. By remaining in a younger, more affably co-dependent state, they more easily get along with humans. From what I have seen, a lot of adult humans could be described as childish, and while the usual concern is that they are less effective for their childishness, they also subordinate themselves more readily to more ambitious leaders, and this facilitates collaboration.
Or, I guess, domesticated humans and animals fall more naturally into packs, for better and for worse.
I was at some sort of lecture for really smart people, and a precocious young woman asked a technical question of the speaker, who answered back with some Math, and the questioner apologetically asked for a moment to run the Math through her head before she could follow-up. The speaker replied that she should take her time, because after all, “this is an open forum, not scramble time at a methadone clinic.”
And I was like where the heck did that line come from?!
Later in the dream I was looking for my car in a parking garage and found it not where I thought I had parked it but a little ways away where I had actually parked it earlier in the dream. I was like “this dream has a great continuity” and then I had to pee so I was looking for a toilet in the parking garage. That is when I got up to pee, and realized that I had slept really soundly this night. I was glad the sun was managing to peek through the clouds.
The University of Melbourne study showed that people who use the Internet for personal reasons at work are about 9 percent more productive that those who do not.
[ . . . ]
“Short and unobtrusive breaks, such as a quick surf of the Internet, enables the mind to rest itself, leading to a higher total net concentration for a days’ work, and as a result, increased productivity,” [Study author Brent Coker] said.
Nine percent, biatch! The article points out they’re talking Internet browsing < 20% of the time, and that Internet addicts lose productivity. I think this is consistent with “work-life balance” . . . take a break to clear your mind, then get back to work refreshed.
Taking a walk in the sunshine is also a nice alternative to the Intarnetz.
I also think drinking lots of water and coffee is a good habit: you keep getting out of your chair to adjust your fluid balance, if ya know what I mean. Also, eating-at-your-desk is an awful awful sin which should be committed only when you don’t have much choice. Like, on Tuesday I had an all-day deployment, otherwise I take my food down to a sunny spot in the cafeteria and enjoy with a book or magazine.
A couple years back I came upon this magazine somewhere that was all poetry, prose, and black-and-white photographs. And the stuff inside was good. I love reading and I used to mostly keep up with The New Yorker. These days The Sun is one of two magazines I subscribe to. It is more enjoyable and less of a burden than The New Yorker.
Another thing about The Sun that I really appreciate is that there are no ads. Just me and the writer, mediated only by the editorial staff of The Sun and some pleasing typesetting. As the editor, Sy Safransky recently explained in his annual appeal for donations from Friends Of The Sun:
There’s nothing inherently wrong with some advertising, just as there’s nothing inherently wrong with a traveling salesman knocking on your door. But you probably wouldn’t invite the salesman in if you and a friend were having an intimate conversation. In a magazine that strives for emotional candor and a reader’s quiet respect, a sales pitch is an unwelcome distraction. I want to place one simple demand on a reader’s attention: the content. Nothing else.
I sent them some cash last year. This year I figured maybe I can send a couple subscribers? If you’re looking for good stuff to read on a monthly basis, I totally recommend a subscription to The Sun. And if you happen to be kinda poor, drop me a line with your home address because when I renew I have been known to throw in some gift subscriptions and you might could get lucky.
Haagen-Dazs responded to my feedback really darn quick. I’ve been slow in sharing. Too busy eating free ice cream . . .
Dear Mr. Howard,
Thank you for your email regarding the change to the size of our Häagen-Dazs cartons. We understand your concern and appreciate your giving us the opportunity to explain.
As you might imagine, the cost of continuing to offer the country’s finest all-natural superpremium ice cream has increased dramatically over the last several years. On average, we’re paying 25% more for raw ingredients today, and this is true despite what you may be hearing about a drop in some food costs.
By downsizing our cartons rather than increasing the price per carton, we’re balancing our need to cover our increased costs with the realization that our country is in an economic recession. We wanted to avoid a price increase that could put Häagen-Dazs out of reach for consumers.
From our choice of ingredients to the careful and deliberate way we craft our ice cream, we never skimp on quality. Nor will we compromise our commitment to 100% all-natural ingredients. We believe Häagen-Dazs ice cream lovers appreciate and rely on that commitment.
Please watch your mail for two gift certificates to arrive shortly, with our hope that you will continue to enjoy your favorite Häagen-Dazs flavors.
Some ways back I followed some advice somewhere and tried the Xoopit plugin for Gmail under the delusion that it would somehow make my life better. It was kind of cute but it also got in the way so I uninstalled the plugin. But I kept getting e-mails from them about all the crap it was indexing in my inbox. So, I finally deleted my account, at which point they sent me a message reminding me that I’ll have to kill the plugin, and also:
I’m not going to stick something in my mouth that is named “choke.” (CC: spychic)
Finally, please take one minute and reply to this email and let us know what you didn’t like about Xoopit. Your feedback is incredibly valuable to us!
Now, getting in to delete the account had been frustrating enough, because when you don’t remember your password and click on the password reset link they send you an e-mail that links to a web page where you can reset your password after you correctly enter your password. Yeah, that had me confused too, until I re-read the thing and it said “enter your Gmail password” which worked but then I was reminded that I’d given my Gmail password to something called Xoopit and I felt dirty all over again.
Anyway, here’s some of what I wrote. I think the name thing is important:
Also, and I mean, what’s in a name? I don’t eat artichokes. They may be delicious, but you know what? I’m not going to stick something in my mouth that is named “choke” . . . it just sounds like common sense. Xoopit? Okay? Like Arm pit? Tar pit? Snake pit? Is it pronounced Zoo Pit? Is that like where they dump all the animal feces to compost? Because I mean, they way you guys Hoover up all the multimedia crap in my Gmail it kinda feels that way. “Look! Look! I indexed all the crap you don’t care to look at, and I’m sending you more crap to delete!”
There is too much crap in my inbox. If you can make it better, you could be more useful to me. If you make it worse, I dump you. That’s it!
And, seriously, xoopit? You need to work on that name. Yes, Google is the best search engine, but it wouldn’t have caught on if it were named Dogpile.
“You know that Global Warming isn’t real, right?”
“Uh huh,” I said.
“No, really! Don’t just agree with me because you think I’m crazy!”
“Uh huh. Well . . .”
He then went on to explain that we only know how much carbon is in the atmosphere for a few centuries, max. I then explained that scientists go to Antarctica and Greenland, drill deep holes in the ice, and can analyze the frozen atmosphere from tens of thousands of years ago. He explains that carbon has fluctuated a great deal over time, and it is no big deal, and I explain that our species has developed civilization during a period of climatic stability, and that the last time there was this much carbon in the atmosphere there were dinosaurs running around, so the Earth can totally handle global warming but we’re not sure if homo homo sapiens will survive it. He was like well its too late to stop it anyway, and I would have gone on to explain that when you’re driving your car into a tree, you hit the breaks instead of the gas, because then you’re more likely to live and have a better chance of reducing damage to and repairing your car . . . but we headed back to the office before things got too stupid.
And I watch it, and I’m like “yeah . . . glacier retreating.” Then I look at the caption:
This remarkable image sequence captures a series of massive calving events at Columbia Glacier near Valdez, Alaska. Composed of 436 frames taken between May and September of 2007, it shows the glacier rapidly retreating by about half a mile (1.6 kilometers), a volume loss of some 0.4 cubic miles (1.67 cubic kilometers) of ice or 400 billion gallons (1.5 trillion liters) of water.
And I’m like “a dramatic video of a glacier melting in Alaska over the course of five months . . . in the summer!”
And I’m like “Holy crap, Al, do you ever speak with a skeptic?! A dramatic video of a glacier melting in the summer makes you look like a tool!”
But, there’s no comments or feedback on his blog, so if I wish to sublimate my angst, I’ll do it here.
