- RT @ScottATaylor: The Guys on "Pickers" should just follow the "Hoarders" teams around- perfect mashup #
- PI/PNK test: http://su.pr/2umNRQ #
- RT @punchdebt: When I get married this will be my marital slogan "Unity through Nudity" #
- http://su.pr/79idLn #
- RT @jeffrosecfp: Wow! RT @DanielLiterary:Stats show 80% of Americns want to write a book yet only 57% have read at least 1 bk in the last yr #
- @jeffrosecfp That's because everyone thinks their lives are unique and interesting. in reply to jeffrosecfp #
- @CarrieCheap Congrats! #CPA in reply to CarrieCheap #
- @prosperousfool I subscribe to my own feed in google reader. Auto backup for in between routine backups. Saved me when I got hacked. in reply to prosperousfool #
- @SuzeOrmanShow No more benefits? I bet the real unemployment rate goes down shortly thereafter. in reply to SuzeOrmanShow #
- Losing power really make me appreciate living in the future. #
Requiescat In Pace
Today, I am sitting at a funeral. My oldest friend’s dad died on Sunday.
Mark had an amazing ability to make anyone feel like family, from the moment he met them. The day I introduced him to my wife, he taught her to throw a tomahawk, and she still talks about it, 10 years later.
I don’t have a post in me today.
Mark Wayne Dwire, 61, was accepted into his father’s arms surrounded by his family June 24th. Mark was born to Wyman
(Jack) and Donna (Hasbrouck) Dwire on March 25th, 1951 in Park Rapids, MN. Mark graduated from Walker/Hackensack High School in 1969. He was married to Sherry (Garbers) Dwire on July 31st, 1971. Mark was a business entrepreneur. He started as a logger when you could still make a living with a chainsaw and a tractor.
Mark was proceeded in death by his father, step father Robert Dwire and stepfather Patrick Harrington, his brother Kerwin Dwire.
Mark is survived by his wife Sherry, his mother Donna (Hasbrouck) Harrington, children Jesse, Jason, Terra Fine (Andrew), Jeremiah (Tanja), and Daughter-in-law Elizabeth. Mark loved his grandchildren Cameron, Emily, Madelyn, Lydia, Faith, Elaina and Ellery. He was fondly referred to as ‘Super Papa’. He is also survived by many siblings, nieces, nephews and cousins.
30 Day Project Update
My first 30 Day Project for the month of February has been to work my way up to doing 100 pushups in a single set. At the end of January, I did a test to find my baseline, my starting point. I could do 20 pushups, but there was no way 21 would happen.
My plan, based purely on the math, was to start from there, doing 5 sets in the morning and 5 more at night, adding a set number to each set every day. That lasted a day.
The problem with starting a new exercise routine at my max level and progressing from there is the pain. Holy wow, that hurt on the second day. I was doing sets of 5, then. Ow.
The new plan has worked much better. It is an aggressive, self-correcting progression that automatically correct for over-extending myself.
I do 5 sets. Each set is based on the maximum set in my previous session. My first set is half of my max. The next 3 sets are 3/4 of my max, and the final set ends when my abs are cramping and I want to cry, establishing my max for the next session. If I over-extended myself in the previous session, this set either shrinks or stays the same. If the final set stagnates for a couple of days, I take a day off to rest. When I come back, the sets improve drastically.
How well has this worked? Last night, at the halfway point for the month, I ended with a set of 75 pushups and noticable muscle growth. Next month, I’m doing situps and I will be using the same plan.
Plan #2 is also coming along well. Details in 2 weeks.
Payday Loans Suck
- Image by vonglee via Flickr
A few weeks ago, I was approached about placing ads on this site. I was excited when I read the email. It came from a real domain, didn’t involve any Nigerian princes or wire transfers for overpayments.
Over the course of the email conversation, it was determined that, for a fee, I would place some links in a few archived posts. It would just be links to improve search engine ranking, without being an eyesore for my current readers. I don’t have a problem with that. The intrusiveness is similar to Chitika ads, which are only visible to search traffic. It’s a nice way to advertise: monetization without alienation.
Then I saw the links. I was being offered money to promote payday loans.
Payday loans offer to loan you–for example–$100 for the low(snort) price of just $25. That’s not bad. Only 25%. I know some credit cards that aren’t that good. The catch is that the loan is due in full in 2 weeks. That gives it an APR(Annual Percentage Rate) of 650%. That’s not so good.
When you payback the loan, your paycheck is pre-spent by whatever you borrowed, plus the pound of flesh fee and you are that much more likely to need their services again, digging you even deeper.
It’s not like the target demographic is terribly affluent. These are people who not only can’t make ends meet, but also can’t acquire traditional credit. They are left paying this insulting fee.
I consider payday lending companies to be immoral, unethical and generally, more than a bit dishonest. These are the people who give decent, hardworking capitalists a bad name. I’d rather go to a mob loan shark. He’s at least honest about what he is.
They got shot down.
Don’t get me wrong, I enjoy making money. I also enjoy the money I make here.
But not at the expense of my soul or my integrity.
How to Prioritize Your Spending
Don’t buy that.
At least take a few moments to decide if it’s really worth buying.
Too often, people go on auto-pilot and buy whatever catches their attention for a few moments. The end-caps at the store? Oh, boy, that’s impossible to resist. Everybody needs a 1000 pack of ShamWow’s, right? Who could live without a extra pair of kevlar boxer shorts?
Before you put the new tchotke in your cart, ask yourself some questions to see if it’s worth getting.
1. Is it a need or a want? Is this something you could live without? Some things are necessary. Soap, shampoo, and food are essentials. You have to buy those. Other things, like movies, most of the clothes people buy, or electronic gadgets are almost always optional. If you don’t need it, it may be a good idea to leave it in the store.
2. Does it serve a purpose? I bought a vase once that I thought was pretty and could hold candy or something, but it’s done nothing but collect dust in the meantime. It’s purpose is nothing more than hiding part of a flat surface. Useless.
3. Will you actually use it? A few years ago, my wife an cleaned out her mother’s house. She’s a hoarder. We found at least 50 shopping bags full of clothes with the tags still attached. I know, you’re thinking that you’d never do that, because you’re not a hoarder, but people do it all the time. Have you ever bought a book that you haven’t gotten around to reading, or a movie that went on the shelf, still wrapped in plastic? Do you own a treadmill that’s only being used to hang clothes, or a home liposuction machine that is not being used to make soap?
3. Is it a fad? Beanie babies, iPads, BetaMax, and bike helmets. All garbage that takes the world by storm for a few years then fades, leaving the distributors rich and the customers embarrassed.
4. Is it something you’re considering just to keep up with the Joneses? If you’re only buying it to compete with your neighbors, don’t buy it. You don’t need a Lexus, a Rolex, or that replacement kidney. Just put it back on the shelf and go home with your money. Chances are, your neighbors are only buying stuff so they can compete with you. It’s a vicious cycle. Break it.
5. Do you really, really want it? Sometimes, no matter how worthless something might be, whether it’s a fad, or a dust-collecting knick-knack, or an outfit you’ll never wear, you just want it more than you want your next breath of air. That’s ok. A bit disturbing, but ok. If you are meeting all of your other needs, it’s fine to indulge yourself on occasion.
How do you prioritize spending if you’re thinking about buying something questionable?
Twitter Weekly Updates for 2010-01-02
- RT @kristinbrianne: You won't believe it… I just entered to win the #KodakSweeps on http://tweetphoto.com/contest Pls RT #
- RT @wilw The single most insulting thing you can tell a creative person is, upon viewing their creation, "you have too much free time." #
- Hmm. I share a birthday with Linus Torvalds. #
- @freefrombroke I'm following you and would love to be followed back. in reply to freefrombroke #
- RT: @SuburbanDollar: New Post: : The Art of Delayed Gratification http://bit.ly/5gsKXy #
- RT @FrugalYankee: #NEWYear's #QUOTE: All the things I really like to do are either immoral, illegal or fattening. ~ Alexander Woollcott #
- Crackberry is certainly accurate. I may be too connected. #
- MIL thinks a Kitchenaid stand mixer will make it easier to remove the snow in the driveway. Bad logic, but she's buying one for us, anyway. #
- What magic is in a saw-palmetto capsule and why does my prostate need the power of 1000 of them? #
- RT: @SuburbanDollar: Sounds like he's asking you to rent him a date. #
- RT @hughdeburgh: "I'd rather die fighting for freedom than live as a slave." ~ Judge Andrew Napolitano #Iran #in2010 #USA #
- Happy New Year, 3 minutes early. #
- Billy Jack vs Chuck Norris. Winner? #
- Getting my hair brushed by an 18 month old while watching Married With Children. It's a good evening. #
- RT @FrugalYankee: #NEWYEARS #QUOTE: The most important political office is that of private citizen. ~ Louis Brandeis #
- RT @ScottATaylor: 40,697 Laws Take Effect Today http://ff.im/-dFXNR #
- 5AM. It'd be so easy to go right back to sleep. #
