Justin.tv

Recently, we discussed how voluntarily being a blogger is different from being monitored by Big Brother. The gist is that in the book, 1984, Big Brother monitored everybody to get them to conform. Despite being monitorable, being an open blogger is different because your public presence is actually a protection from Big Brother; people would notice if you disappear. In addition, blogging requires you to do interesting things with your life to attract an audience, which is far from conformity.

That whole post came around because of the rising popularity of Twitter. Some people see it as a way for Big Brother to keep an eye on you. It’s a way for the world to keep an eye on you. Well, let’s take the concept a step further. Go visit Justin.tv to see what one guy, Justin, is doing. He has a web cam on him 24/7. You can watch Justin sleep, go out with friends, eating (he’s having a burrito with friends now), go to the toilet, and everything else. Talk about not being able to hide.

What Justin is doing is a bit too public for my own personal comfort, I might do it for a day, but not for life as he aims. Despite my own hangup, I think that what Justin Kan is doing is marvelous. Having witnesses to everything you do requires you to do things above board all the time. In addition, it forces others who deal with you to do the same. Sure, the government can keep tabs on him, but Justin has viewers who would support him if anything unfair were to happen. If anything, we should turn the tables and put cams on our Government.

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What Investing is Not

There is some confusion about the term Investment as used by the financial services. You can kind of get away with doing this, under the right contexts. However, calling certain things an investment, in the true sense of the word, is wrong. Investopedia has a good definition of the term investment. The main concept to gain is that an investment is a studied purchase that will produce capital gains or future income. We will also add that an investment can be liquidated relatively easy. In the following paragraphs, we’ll distinguish the difference between what we often hear are investments and what really is an investment. We will clarify why owning a home is not an investment, why stocks are not an investment, and why insurance is not an investment.

Your Home is NOT Your Biggest Investment

Bank salespeople, real estate salespeople, and insurance salespeople will tell you that your house is your biggest investment. We deliberately did not call them bankers, real estate agents, or insurance agents because it masks the fact that what these people do for a living is sell products. Without knowing your particular situation, they can all spout out reasons why their products are good for you.

Banks sell money. When you buy a house on an 30 year mortgage and follow the amortization schedule, you are basically buying $1 at the price of $2. If you stick to the payment schedule, you will see that you pay twice the value of the home. For the bank, your home is an investment because the bank knows that most people only make the minimum payment on their home, just like with credit cards; they will make money. You may think that 30 years is a long time to double your money; and it is. However, banks can sell your note to other banks to cash in their profit if necessary rather than wait for your monthly payments.

Realtors call your home an investment because they want you to feel better about your decision to buy a home. Mostly, they want you to not feel so bad about their 6% commission. If your home purchase is an investment, then you get the impression that you’ll get that money back and that the Realtor is your friend because he’s looking out for you.

Insurance agents will also tend to say that your home is an investment that must be protected. If it’s an investment, you feel better about buying insurance for your home. After all, protecting your investment sounds better than protecting your life’s biggest expense. Insurance is an important loss prevention tool; but it doesn’t make your home an investment.

Buying a home is good for many reasons, but it’s not an investment. Given the definition of an investment, your home is not an investment in any sense of the word. You pay twice the purchase price. You pay to get rid of it. You pay to protect against loss. You pay taxes on it. You pay for maintenance. You pay utilities. You pay, you pay, you pay. Investments are supposed to create wealth for you, not take it away. In addition, even if you sell your home to “liquidate your investment”, you still have to pay for a place to live.

An example of real estate that IS an investment is a house that you rent, apartments you lease, commercial property that you lease, or even a house you flip. You put your money in and expect monthly income or capital gains. Once you sell that property, your expenses on it end.

Your Retirement Portfolio is NOT an Investment

Stock brokers (salespeople) will call your retirement portfolio an investment. Again, we run into the problem that your retirement portfolio does not meet the definition of an investment. It does not generate income for you; nor does your retirement portfolio guarantee capital gains. A more appropriate term for a retirement plan is a Savings Plan. Once you put money in, you can’t get it out without losing money, so it can’t easily be liquidated. When you are allowed to withdraw without penalty, you’re generally not supporting yourself off your investment income, you are drawing from your principal. Therefore, it’s not generating the income necessary for you to support yourself. It sounds better to say that you are investing in your future than to say that you are parking your cash with a brokerage for the possibility of a better return on equity (remember, it’s not guaranteed). You can’t ignore that brokerages make money with each transaction you make and can charge a load for the honor of holding your money.

Stocks can be an investment if you have done the homework, bought at a bargain price, and have good reason to believe that their value will go up to a certain price AND plan on selling once the target is reached.

Insurance is NOT an Investment

Insurance agents will call your insurance policy an investment. One hopes that you can see that it would only be an investment if you plan on dying or triggering the policy somehow. Then you are committing fraud. In addition, you can’t sell our life insurance to somebody else. Again, a true investment makes you money by either capital gains or generating income. Life insurance doesn’t meet ANY of the criteria of what an investment is.

Insurance does have uses. The value of insurance comes from reducing your losses. It can replace lost income from a loved one. It can replace big ticket items that you don’t want to buy twice. It can also restore your assets back to producing income. Insurance is a protection, but not an investment.

In Summary

We have gone over why owning a home, a retirement plan, and life insurance are NOT investments. None of these meet the definition of what a true investment is. This is not to say that these things are not beneficial to you in certain ways and instances. Beneficial, yes; investments, absolutely not. In the future, we will discuss with more detail what an investment is. The takeaway message of this post is that you should watch out for the sales job being done by some of the people who work in the financial sectors. Many of them are salespeople and don’t do any investing of their own. If they were investors, why would they not load up on their own product and keep it to themselves? Quite simply, if these products were such great investments, why would they need YOU to buy them?

Waking Up Early Day One or Day Four?

On Thursday, the Texas House of Representatives had House Bill 1 on the floor for a second and third reading. They were deciding the fate of $150 Billion dollars for the next 2 years of state operations. Naturally, this meant that they would work into the late night. They finished around 3:30 AM. I did not get back to the apartment until close to 4 AM. This meant that I would only have an hour of sleep before waking at 5 AM to keep with my goal of becoming an early riser. That was the plan. That’s not what happened.

I did not even hear the alarm. No, I may be wrong. My phone did not have the alarm screen open when I eventually did wake up. This tells me that I must have got up and turned off the alarm at some point. That’s one of the items I wrote about in my first post regarding waking up early. You need to put your alarm far enough that you need to walk over and turn it off. I don’t think I did that.

Never mind all of that. The heart of the matter is that I ended my 2 day streak of waking up at 5 AM. The goal is to do a 30 day trial of waking up early. If after 30 days, I am not satisfied with my gains in productivity, I’ll go back to waking up at more “natural” hour. So, I need to decide whether I should start the 30 day trial over from day one, or just keep going and call this day 4.

Factors in the Decision

If I go with day one, then I can say at the end of the 30 days that I went 30 days straight waking up at 5 AM. This is like being a Hall of Fame player without an asterisk after my name. If I call it day four, I’ll have the “award” but will have the asterisk there saying I didn’t really do it fair and square.

What is the goal?

The goal is to wake up at 5 AM every day for 30 days, which includes weekends.

I understand that, technically, I would not wake up at 5 AM for 30 days straight. However, I am already seeing the benefit of waking up consistently at 5 AM. It was no big deal for me to wake up this morning and get right to work. In a sense, that’s cheating if I were to do the 30 days starting today because I would have a leg up on the process. If I were to go 29 days and then had another incident in which I slept in, doing 30 days would not be a major accomplishment because I practically had it in the bag. On the other hand, even at 29 days, I would have that asterisk next to my Hall of Fame entry.

The Decision

I guess this means that today is day one of my 30 day trial for waking up at 5 AM. I want to have 30 days without the asterisk. This means that the trial ends on Sunday April 29, 2007.

Major life lesson: If you fall, you get up and start over.

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Help a Friend Find a Coffeemobile

Jackie Adame of the Morning Brewcast is in search of a new, good Coffeemobile. The specs call for a reliable car built around a good coffee holder (known in some places as a “cup holder”, as if cups just go around empty). The coffee holder must be able to accommodate a large coffee mug. The location of the coffee holder should not be right in front of the A/C vent. The coffeeholder must also be sturdy, preferably not a pullout. The overall goal is to have a vehicle with a perfect coffee-drinking environment. If there is a vehicle with a built-in coffeemaker, contact Jackie IMMEDIATELY. For further information and clarification of the specs, contact Jackie at morningbrewcast at gmail dot com or leave a message at 206.333.0998.

Nurses at the Capitol



Nurses at the Capitol

Originally uploaded by shainelee.

The National Nurses Organizing Commitee is at the Capitol in Austin to raise awareness about the unsafe conditions in Texas hospitals and to support HB 1707. This is a bill that would protect nurses from being fired for reporting unsafe conditions in our hospitals.

Some of the problems cited are chronic understaffing of RNs, retaliation by hospital administrators, and a decline in hospital RNs due to frustration with their inability to advocate for their patients.

What the nurses hope to accomplish is to limit the number of patients an RN is assigned to ensure prompt attention, whistleblower protection, and the right and duty to put patient needs first.

You can visit http://www.nnoc.net for more information.

Waking Up Early

I am getting to a point in the Legislative Session in which I need to become an early riser. There are so many moving parts to my day that I need time to prepare myself early before heading into the fray. I woke up at 6 o’clock this morning, which is earlier than I have been waking up lately. My target is actually 5 AM, but I figure I could ease into it a little. Tomorrow, I’ll wake up at 5:30.

When you wake up late, like an hour before work, you basically jump out of bed, grab your change of clothes and head for the shower. After that, you primp and preen a little before heading out to work. If you have time, you’ll stop for a coffee or breakfast somewhere, eat it on the way to the office and then sit down and get right into… That’s the problem. You’ve been so focused on getting to work on time that you haven’t actually figured out what you’re going to do once you get there. And once you are there, you get right into doing whatever comes up. You don’t have the mindset that you are going to get there and attack A, B, and C until they are done. At best, you’ll work on A and might get around to B and C if you remember. I checked and there are plenty of others out there who also want to become early risers.

By waking up at 6 AM today, miraculous things happened. First, I was able to have coffee at home. I was able to do a little bit of exercise. I actually made my bed. I made a journal entry. I checked some personal email. I read a couple of online articles. And, I was able to write down a list of priorities for the day. Best of all was the ability to just take it easy until it was time to drive to work. The easygoing morning and long time to wake up completely even made me one of those damned morning people. I was actually perky this morning when I got to work. I can’t begin to tell you how much I am looking forward to all the leisure I’ll have by waking up at 5 AM. However, if waking up at 5 AM were easy, wouldn’t we all do it?

Of course, when you want to do something nearly impossible, the first thing you should probably do is Google the task to find out who has done it and how they did it. One of the first search results on becoming an early riser is Steve Pavlina. Pavlina has shared his insight on how to become an early riser. His solution? Do it every day of the week no matter what. In other posts, Pavlina suggests that before you go the path of New Year resolutions, you should just give it a 30-day trial. If after 30 days you decide that a new habit is not for you, at least you gave it a month.

There are other writers out there who give similar advice on how to wake up early consistently. I find that the advice, while not identical, has similar ideas. Coupled with my own experience in the past, I can share some ideas to help you become an early riser.

Get Enough Sleep

This is probably the most important factor to waking up early. Your chances of waking up early if you go to bed late go down. I can operate fairly well on about 5-6 hours sleep. I might get the sleepies here and there, but I can function. If you try to pull off an early morning rise on 2 or 3 hours sleep, it’s going to be an epic battle with yourself. On the flip side, getting enough sleep also means not getting too much sleep. Once you go over the 8 hours of sleep mark, it’s easy to get 10 hours of sleep. Worst of all, you’ll have missed most of the day and still feel groggy.

The Alarm Clock

I found that if I put the Alarm clock right next to me, I am likely to turn it off and not remember it. I’ll reach right over and hit the snooze; or, if it’s too complicated, will just turn the damn thing off. One of my first lessons in waking up early was that I need to put the alarm out of reach. It must be located so that I must get up out of bed to turn it off. I have found that it does not matter how loud the alarm is so long as I expect that it will go off. One year, I woke up exclusively to a watch alarm because I expected it. Unexpected sounds of other sorts like garbage trucks, car alarms, and even mild thunderstorms don’t even make me budge. My watch never work me up, by the way, when I wore it. I had to leave it across the room and get up to turn it off in the morning.

Just Get Up

Once you get up out of bed to turn off the alarm, you have to be committed to stay standing. Do some stretches, lean against the wall, or whatever. Just stay away from that warm, comfortable bed. What will happen if you “briefly” lay back down is that you will talk yourself into 5 more minutes of sleep. It’s never 5 minutes. When you just wake up, it’s easy to outsmart yourself. Your higher thinking is dumber than your primitive instincts early in the morning. You will promise yourself anything for a few more minutes of sleep that, if you were thinking straight, you’d normally never believe.

Take a Shower

Some people swear that a cold shower is just the shock you need to wake you up. Others say that a hot shower will warm your body up to normal operating temperature to wake you up. I don’t think it really matters, although I prefer warm showers, do what works for you. The important thing is that you are not in bed while you shower.

Have Something to Do

I have found that having something to do in the morning, that isn’t work, is a great motivator for getting up and staying up. There are all kinds of things you can do like check the weather for the day, check email, mail out payments, check the oil in your car, or even make a list of stuff to accomplish for the day. One thing that I do is start a list before going to bed, and finish it in the morning as I’m getting ready. This way there is a sense of needing to finish something in my subconscious. If you remember the old Army commercials that used to say that they did more things by 6 AM than most people do all day, you’ll have the same feeling if you maximize your morning hours before going to work. By the time you arrive at work, you’ve already kicked ass and are carrying your list of names.

Wake Up at the Same Time Every Day

This one works. I learned this, not by choice, but because I worked at a cannery that ran 7 days a week. On occasion, we’d get a day off to cut back on overtime, but I’d still wake up at 5 AM. After doing this long enough, you wake up just as the alarm is about to go off. I swear that having a consistent 7 day wake up schedule makes the whole thing easier. After a month, it becomes second nature.

Be Healthy

This ought to be a no brainer. You can’t go abusing your body and expect it to perform at peak levels. Get a little exercise. Eat right. One important thing to remember is to not drink before bed. I can tell you, from experience as well, that it IS easier to fall asleep after a drink, but you will not feel rested the next morning. I don’t know why it is. You would think that if you have a drink and fall asleep faster that you would feel much better rested the next day. However, this has not proven true in my experience. I often feel lousier the morning after a night cap than I do the morning after just going to bed.

There you have it. Those are my tips for becoming an early riser. Some I’ve learned from knowing myself; others I learned by accident. One thing I did not mention, which is an absolute must, is that you have to commit to yourself that you will wake up early. I’m not talking about willpower. By commitment, I mean that you have to have good reason for waking up early. It can be for a job, to go work out, to spend time on a hobby, or whatever. For me, the extra free time to take care of personal things when I’m freshly rested is worth it. If you have no good reason to wake up early, you’ll just be awake and bored in the mornings. You will give up that way.

I will keep you posted on my 30-day early rising challenge.

Progress

Early Rise Kickoff
Waking Up Early Day One or Day Four?

Exhibitionism or Making it Easier for Big Brother?

There is a blog post by Rob Domanski that links back to an earlier post of mine about Twitter. He quoted my description of Twitter. As you may know, since I joined Twitter a few weeks back, I twit about what I’m doing along with many other geeks who seem to think that other people care what we are doing. I know I enjoy receiving updates about what everybody is doing. When I first read Rob’s post, I wasn’t sure what to make of it. I guess I just see a distinction between what I and other bloggers and Twitters do and what Big Brother did in 1984.

Blogging, and now Twitting, are somewhat of an exhibitionism. We lay it all out for others to see. Perhaps it’s a need for attention or we didn’t get enough hugs growing up. I don’t know. The point is that through blogging, and now Twitter, many of us have made our lives “open source”. We are wide open to scrutiny and development from other more experienced people. I know that in many instances, I am careful about what I do because there are so many eyes on me, by my own doing. I actually behave much better now than I did when I was younger as a result of my public presence. Let me go back to what I said before, it’s of my own doing. In fact, I invite feedback if it will help me become a better person. Given the public presence and scrutiny, people with open source lives tend to avoid doing stuff that would bring on the watchful eye of Big Brother. We want the world, not The Man, to know what we’re doing.

In 1984, George Orwell’s vision of the future had the Government spying on people to make them conform to mindless existences. The language was simplified to eliminate complex thought. Peoples’ televisions spied on them. Even the spies had spies. I see more similarities between political correctness and 1984 than what people like me do. It’s shockingly horrible for a person to have certain thoughts or say certain words in our society. Even in our laws, we distinguish between just regular old crime and hate crime. These things aim at controlling our thoughts. Once we’ve thought or said certain things, we get branded by society as haters. In 1984, and increasingly amongst “progressives”, you get feedback on becoming the person that you should be, by their standards, whether you want it or not.

This is at odds with the self-reporting that bloggers and twitters do. In fact, even though we can be tracked and watched through our incessant web-hibitionism, we routinely express ourselves freely and openly about all manner of things, which is forbidden in 1984. Yes, the government is capable of tracking us; but if Big Brother comes to get us, we won’t just quietly disappear. People will notice because we stopped posting. Ironically, being open and trackable is exactly what protects us from Big Brother.

Is living “open source” for everybody? No, probably not. If your name is John or Sarah Connor, you may want to lay low for a few years.

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Coming Changes with Baby Boomer Retirement

There are several challenges that our country will face with the coming boom in retirements. Our health care system will be stretched. Our economy has an uncertain future with mandatory withdrawals from retirement accounts. Companies will be competing for a limited workforce. And many retirees who counted on Social Security to be there will find big IOU notes from the Federal Government. I am concerned about the danger of some of the challenges, but I also see opportunities. At this point, I don’t know which will be greater.

Let’s start off with health care. As it is, there is a nursing shortage in the United States that is partially being filled by nurses from the Philippines and from Canada. Many colleges and Universities cannot put out nurses fast enough because they can’t afford to pay instructors nearly as much as they would earn by being practicing nurses. There is also a shortage of physicians due to a rise in malpractice insurance rates. Many intelligent students are choosing to earn an MBA with which they can earn as much as or more than a doctor without the heavy cost of insurance or the insane hours. The rising cost of personal health insurance is also a concern for a population whose wages are barely keeping up with inflation. One reason that is often cited for the rising cost of health care is to pay for indigent health care and for those who do not pay for their treatment.

As we get older, we start to have health problems. We have a large number of people getting older together, about 40 million. Of our current population, that’s about 12%. This means that we need to start getting really efficient to deal with 40 million people who will frequent our physicians more often. One ailing parent in the hospital for a long while can wipe out their retirement savings. Of course, there are also those who will have to take medications for life. The two main points here are that our health care system is already stretched thin and we have no end to the rising cost of health care in sight. There is no telling what a big population bulge will do when they start consuming a majority of our physicians’ time.

I’ve read books that warn us about the impending economic bust that is about to come when baby boomers start having to withdraw their savings from their retirement accounts. Our Government requires that you start systematic withdrawal of your savings when you reach a certain age to prevent wealth from accumulating tax free for some families. When you do the numbers conservatively, 40 million X $1,000 per month, that equals $40 Billion/month drawn out of the stock market, bond market, and federal coffers. That’s $480 Billion in withdrawals from the financial sector and Federal government. Keep in mind, that’s only taking out a meager $1,000 per month. Many people will withdraw much more than that. Before you think to yourself that it will only affect corporations, keep in mind that the price of stock in your own retirement portfolio depends on the market price for those stocks. If you have 40 million people selling off their stocks and bonds every month, what do you think that will do to the value of your retirement savings? What do you think it will do to the valuations of blue chip stocks and multi-national corporations where most fund managers have parked money?

Moving on to our workforce, I read an article recently that states that about half of our Government workforce will start to retire within the next 5 years. The private sector will also face a shrinking workforce as baby boomers hit retirement age. Much of this can be offset by increasing immigration quotas, but that seems to be unfashionable for the moment. We have low unemployment now. In a few years we may have more jobs than people available to take those jobs.

Finally, I just want to touch on the effect that many baby boomers will have on our economy if they have failed to save adequately for retirement. Not only will they be depending on Social Security, which is underfunded, but they will also depend on the new prescription drug entitlement and government health care. The costs to our economy just keep adding up.

In all this doom and gloom, it’s difficult to have much hope for the Gen X and Y economic future. Our retirees are going to screw us over only because they vote. Government only responds to those who vote. I have no ideas on how to get younger people to vote, but I do see some silver linings to the dark clouds of the future.

As mentioned earlier, mandatory withdrawals will probably kill stock prices in the coming years. If you’re buying and holding, you’re stupid. Start looking for better ways to preserve your wealth now before everybody realizes what’s about to happen. Billions of dollars a month are about to be liberated from the fat reserves of the economy, which are the 401k, SEP, IRA, Roth IRA, and other savings plans. Those same billions of dollars will be coursing through the arteries of the economy; i.e. they will be spent. We don’t know where all that money will go. Certainly much will go to health care. Will our retirees travel the world? Will they stay at home and blow all their cash on living it up or will they stash it away in banks? Will they buy new homes or fix up their present ones? Will they invest in small businesses? Will they give it away to charities? There are so many variables that the only thing that can be said with any certainty is that the economy will be very different from what it is today.

One way in which we will have a different economy is that with such a large surge in retirements, our country will have a large number of people who have the talent, the time, and the capital to start small businesses. Not every retiree is going to go out and put their retirement money into a business, but enough with the management background will. The reason why I believe this will happen is that a successful business can pay back its cost in capital to supplement a fixed income. This means that many retirees will get their investments back and will have steady earnings until they decide to close shop. You CAN eat your cake and have it too. In addition, should something catastrophic happen, the surviving spouse will have a source of business income or can simply sell off the business and stash away the money for future needs.

If like me you are many years away from retiring, you should start looking at where retirees spend their money and get in on the action before the competition does. Also start looking at alternatives to Wall Street stocks for your long-term savings. There will be stock bargains in the future, but you won’t see it that way when the value of your portfolio has lost most of its worth. Small business, even those run by retirees, may be where investment opportunities will be strongest. In short, I see plenty of possibilities coming up in a few short years, but it will be a whole new world with a different set of challenges that can’t be accurately predicted. If anything, just be prepared for change.

Recognizing Opportunities

My Grandmother once told me a story that has stuck with me over the years. I’ve heard the story from other people as well, but I first heard it from her. The story is about a very devout lady whose husband died. She was saddened by the passing of her husband, who was the sole provider for her. She prayed and prayed for God to help her so that she would not starve. In the middle of one of her prayers, she heard a knock on the door. It was a man who was looking for somebody to watch his goats. She did not know anybody who would do that, so she wished him luck and closed the door to get back to praying. The next day, she awoke and started praying to God for help as she had no more food. Her prayers were interrupted by another man seeking somebody to help his wife with cooking and cleaning. Nobody came to mind for the poor lady, so she wished him luck and sent him on his way. She went back to praying for God to help her. Eventually, the lady starved to death. When she appeared in Heaven, it occurred to her to ask why God had not helped her. St. Peter simply told her that God had made several attempts to provide her with jobs so that she could support herself, but she turned them away. I’ve also heard this story told with a flooding victim who turned away rescue efforts because God would save her. The victim was later informed that several rescuers were sent, but she refused.

Several lessons can be derived from this story. One lesson could be that faith can only get you so far, you have to also take some action. Another lesson could be that God works his miracles through people. What I got out of the story was that when times are rough, you have to look for opportunities. You can’t just sit around and wait for things to get better on their own. You have to make an effort to better your situation. You need to look for opportunities in places you never looked.

I see a great deal of this mindset in some of the people I meet. They want to keep doing what they are doing and expect the world to come to their aid. There are always stories of the same type of thinking in the news, only instead of God, people are praying to the Government. Of course, we all know that Government is wonderfully effective in dealing with problems. The more popular stories are of factory workers who don’t know what they are going to do when their company outsources jobs to another country. There are stories about towns where good jobs are scarce; forget moving out. One of my favorite news stories are of the shopkeepers who learn that a Wal-Mart is coming to town and are up in arms because they’ll be put out of business. Somehow predatory pricing on their part was OK. There is a hard-wired resistance to changing skill sets for many of these people. They don’t want the change and want things back to how they were. They don’t see that they have the opportunity to try something new and maybe better. They often cling to their jobs or shops until the decision to move on is made for them rather than by them.

In a sense, recognizing opportunities is as much about being cognizant about your situation. Companies rarely go under without signs of a slowdown. Wal-Mart, despite their high efficiency, takes a few months to throw up a new store. In that time, you can start looking up jobs in different towns, or thinking about differentiating your product line. There are many things you can do to overcome hard times, if you are willing to invest a little bit of time. You can’t bury your head in the sand and pretend things are fine. There are almost always signs of trouble.

Some of the people who recognize opportunities are immigrants. Many immigrants have had much tougher times than most of us have in this country. They come here because where we see dead ends, they see opportunity. Every job we refuse to do is an income opportunity for an immigrant. Whenever we refuse to move to where there is work, there will be others willing to make that move. Immigrants very openly show us that opportunities don’t just go to them, they have to come and find opportunities here. If they can do it from thousands of miles away in a different culture, why can’t we from a few hundred miles and knowing the language?

So, if you are sitting around feeling sorry for yourself because you aren’t earning much, have a lousy job, or you just lost your job, you need to start looking for new opportunities. Look in other cities. Look for courses you can take to improve your chances at landing better jobs. After all, opportunities can also take the form of investments you can make in yourself. Take out some student loans and learn something. Whatever you do, don’t just sit there and pray that things get better. Look in new places and you will find what you need.

Phone Envy: the MOTOMING A1200

I was just visiting the Motorola website to check out the talk time for my bluetooth earpiece when I saw a link to the MOTOMING A1200. I really like my T-Mobile Dash, but the Motoming A1200 is beautifully designed and has the touch-screen interface. I can’t get over the clear cover. I didn’t register to find out more information, but the fact that it uses EDGE for internet tells me that it will be a GSM phone and T-Mobile might carry it.

Some of the features that I like, just from the intro page, are the 2 megapixel camera, RealPlayer, business card reader, document viewer, and that it’s Linux-based. I’ve never owned a Motorola phone. The Motorola interface has always seemed unintuitive to me, unlike the Nokias and Samsungs. However, after looking at the Motoming, I may set aside my prejudice and make the change when the price is right.

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Finding a Place to Live in Austin, Tx

If you are thinking about moving to Austin, Texas to live and seek your fortune, be prepared to spend a fortune. When I came up to Austin to find an apartment, I was essentially hoping for a miracle. Decent and affordable housing is tough to find. Probably the most economical option, if you have any uncertainty about your income, is to have roommates. I finally found a place to live that is economical and convenient. Let me tell you about my quest to find a place to live in Austin.

Back in December, I tried searching for a place to live over the phone and over the Internet. The best that you can do with this approach is to get an idea of the cost of rents. I used Rent.com to get a general idea of how much I could expect to pay. Some of the more affordable places were ones like Longhorn Landing, which are geared towards students. These apartments are not exclusive to students, but typically attract that sort of tenant. I was looking at spending roughly $500/month for one of four bedrooms and my own utilities. Using the web, my options for living alone in Austin started at about $500/mo or more, not including utilities. My biggest problem was that I would be in Austin 5 months and all the places want a minimum 6 month lease, if not 12 months.

You can also try hiring an apartment finder in Austin to help you out. The first time that I needed to find a place to live here in Austin, I used Apartment Finders Service. Ten years ago, they found me a one bedroom townhouse apartment that was close to the University of Texas. Having had such a good experience, I called on them for help again. It doesn’t really help to call them a month in advance. It’s best to wait until you are already in Austin. Apartment availability in Austin is very dynamic. What is available one month is gone the next. Once I arrived in town, I gave the apartment finders a call and gave my price range. The advantage to using such a service is that they can pull up a list of places to show you within minutes. I scheduled a visit to some apartments with one of the agents for the following day. There are other apartment finder services out there. Just Google the key words “apartment finders austin”.

Certainly, you cannot discount word of mouth as a means for finding a place to live. If you have friends who live in Austin (and have no interest in sharing their place with you), they may be able to help you find a place that is not listed anywhere. As mentioned before, housing is very dynamic in Austin; chances are that your friends know somebody who is moving out of a place somewhere. Alternatively, your friend may be looking for a roommate. This is a viable option, but bear in mind that when you room with a friend, you typically lose that friend. Another drawback to using word of mouth is that your friend, who knows some of your quirks, may be reluctant to recommend you.

There are always the classifieds to help you find a place. I generally don’t use the newspaper to find an apartment. I don’t like to pay full price for the use of one section. Secondly, the newspaper charges an arm and a leg for an ad. Any apartments that can afford to advertise in the paper would be beyond my ability to afford. It would simply be a waste of time and coffee money. Use the newspaper only if you want to read news. I doubt you’ll find any real bargains. There are alternative classifieds as well. For example, Yahoo sells classifieds and have a real estate service. I found that their listings are generally used more by management companies. Probably, your best bet to find good leads is through Craigslist. I was lucky to have run a search for a place within my price range within seconds of a listing being posted. I was the first caller and got the place. I pay $295/month, all bills paid. There’s even wireless internet.

I’ve had good experiences thus far using apartment finders and Craigslist. The advantage of using apartment finders is that they are familiar with the market and can take you from place to place with little downtime. If you tried doing this on your own, you would spend much of your time trying to find different locations and scheduling appointments with apartment managers. The advantage of using Craigslist is that you can find a place that is a bargain. Generally, bargain apartments or situations cannot afford to pay for advertising. Ironically, the fact that you are looking for a bargain means that you can’t afford to waste too much time looking for a place. Staying at a hotel can eat up your deposit and rent money. In my case, I stayed in a tent at an RV park to save on hotel costs. I was able to find a place within two days.

I hope that this is helpful to you in finding a place in Austin. Good luck.

On the OpenID Bandwagon

OpenID Logo
I’ve been meaning to jump on the OpenID bandwagon for a while. The first time I heard about OpenID was when I created a wiki at schtuff.com. I liked the concept, but never really jumped aboard because I didn’t know any other sites using OpenID. I got reintroduce to OpenID at BarCampAustin II. This was good because I learned a bit more about how OpenID worked. The best thing is that Erica O’Grady showed me where to set up an OpenID account and how to add the necessary lines to my site.

I set up an account at MyOpenID.com the next day, but stopped there. Finally, today, I added the lines to my blog and took the service for a spin. It was freakin’ awesome. I love having the one login. I was hooked.

Things didn’t stop there. I had heard at BarCamp that WordPress has OpenID. I thought this meant that copies of WordPress have OpenID. After some Google searching, I found out that the WordPress site uses OpenID for its users, but is not available for downloaded copies. That was a little discouraging, but I found a blog post by Scott Kveton where he mentioned a plugin. After following the links, I downloaded the plugin and uploaded it to the server. There was a little bit of configuration, not much. Now, comments can be posted using OpenID. Woohoo!

Phone booths at the Capitol



Phone booths at the Capitol

Originally uploaded by shainelee.

With the ubiquity of mobile phones, the Texas Capitol does not have any public phones in the booths anymore. As you walk down the halls, you will see the empty spaces where pay phones once were. Even so, people will often use the empty spaces during calls on their mobiles. The stalls reduce some ambient noise to make it easier to hear.

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I recently mentioned that I had ordered MOO cards. I checked the mail today and saw my package in the mailbox. I must say that I am very pleased with the product. I was apprehensive that my cameraphone pics would not turn out so well. My T-Mobile Dash is limited to 1.3 megapixels, which is passe among some of the technorati (not the referring to the website). Despite my technical limitations, the photo side of my Moo cards turned out great. Adjectives fail me at this point.

If I were a photographer, which I am not, I would probably use MOO cards exclusively. However, since I do have a professional job, of sorts, I can only give these out to people with whom I would like to establish a personal or Internet connection. I think you’ll agree that some relationships are best left at work. In any case, I would undoubtedly re-order cards from MOO again.

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