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Karate Guess So
“Walk on road, hm? Walk left side, safe. Walk right side, safe. Walk middle, sooner or later, [makes squish gesture] get squish just like grape. Here, karate, same thing. Either you karate do “yes”, or karate do “no”. You karate do “guess so”, [makes squish gesture] just like grape. Understand?” -Mr. Miyagi
It occurred to me that lately, I’ve changed my day-to-day cash flow plans a couple of times.
A year ago, I was running on a fairly strict cash-only plan.
A month ago, I was running on a strict budget, but doing it entirely out of my checking account.
Now, I’m loosening the budget reins, and moving all of my payments and day-to-day spending to a credit card, including a new balance that I can’t immediately pay off.
The thing is, changing plans too often scares me. Like the quote at the beginning of this post, I start worrying about being squished like a grape.
The simple fact is that any plan will work.
If you want to get out of debt, just pick a plan and run with it. If that means you follow Dave Ramsey and do the low-balance-first debt snowball, good for you. Do it. If you follow Suze Ormann and do a high-interest first repayment plan, great. Do it. If you follow Bach and pay based on a complicated DOLP formula to repay in the quickest manner, wonderful! Do it!
Just don’t switch plans every month. If you do that, you’ll lose momentum and motivation. Squish like grape! Just pick a plan and go. It really, truly does not matter which plan you are following as long as you are following through.
This applies to other parts of your life, too. For example, there are a thousand fad diets out there. Here’s a secret: they all work. Every single one of them, whether it’s Weight Watchers, slow carb, or the beer-only diet. The only thing that matters is that you stick to the diet. If you manage that, you will lose weight on any diet out there. Except for the jelly bean and lard diet. That one will make you extra soft.
Another secret: the productivity gurus are right. Every single one of them. David Allen, Stephen Covey, Steve Pavlina, and the rest. They all have the One True Secret to getting the most out of your day. Really. Pick a guru and go! But don’t try to Get Things Done in the morning and do 7 Habits at night. Changing systems, changing plans, changing your mind will make you sabotage yourself.
The real secret to accomplishing great things, whether it’s paying off $100,000 of debt, dropping 40 pounds in 3 months, or tripling your productivity is to do it. Just get started and, once you’ve started, don’t stop. If you keep going and stay consistent, you’ll accomplish more than anyone who hops from system to system every few weeks.
I’d Tap That: Making Life Difficult for Government Spying
Skip to the bottom if you’re familiar with PRISM and don’t want to hear any political talk and rampant violations of our Constitutional rights, but still want to protect your privacy.
For those of you who haven’t been paying attention, the PRISM program is an NSA program to monitor electronic activity.
Lots of electronic activity.
The companies identified to be working with the NSA in this grand overreach include AOL, Apple, Facebook, Google, Microsoft, PalTalk, Skype, Yahoo! and YouTube. For most people, that is the definition of “the internet”. If you’re doing it online, the NSA is–or could be, at their leisure–watching.
This isn’t a crazy conspiracy theory. This is happening, and the government has admitted it. In fact, when this broke, the executive branch’s response was along the lines of, “Don’t worry, we’ll find the guy who leaked this information.”
On top of that, the government has been demanding phone records from at least Verizon on a daily basis.
In addition, the Justice Department was just busted wiretapping Associated Press phones.
Seriously, if you put this in fiction, nobody would buy it, because it’s ridiculous in the land of the free.
As far as the people who say I’ve got nothing to worry about if I’m not doing anything wrong: shut up. You can speak again when you give me your email passwords, bank records, and let me install a toilet cam in your house. What are you trying to hide?
Seriously, there is such a mess of non-legislative administrative regulations that are considered felonies that the best estimate is that most people commit three felonies a day, without realizing it.
- Catch your kid with a joint and neglect to call the cops? Welcome to the federal penitentiary.
- Use one of those pill planner things to sort prescription meds for your half-senile grandmother? In some states, that’s a felony.
When we live in a system with so many rules that have never been voted on and our legal system refuses to consider legitimate ignorance of the law to be a defense and we have a collection of secret laws that are a felony to disclose or violate, government spying gets far more dangerous.
- Many TSA guidelines are secret.
- The Banking Secrecy Act of 1970 has a number of secret provisions.
- FISA.
The Foreign Intelligence Surveillance Act of 1978(FISA) is the law the NSA is using to justify all of these data requests. The law, that we all must obey, is being overseen by a small subcommittee in Congress, and the FISA courts are just a small subset of the judges. The judges are signing warrants allowing the wiretaps and massive surveillance, but that is clearly unconstitutional and, hence, illegal.
The text of the Fourth Amendment to the Constitution, the supreme law of the United States is: “The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.”
Any warrant that cannot name a place to be searched is illegal.
Any warrant that cannot describe the person to be monitored is illegal.
Any warrant that is not backed by probable cause is illegal.
Tell me how “I want to watch what everyone is saying on Facebook and seize all of the data” meets any of those criteria.
Bueller?
Wiretapping the AP is a serious violation of the First Amendment, too. “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.”
“Congress shall make no law…abridging the freedom of speech, or of the press..and to petition the Government for a redress of grievances.”
Monitoring the press in case somebody breaks a story the government doesn’t want broken is crap.
How can we petition the government for redress of grievances that they call a felony if the company discloses the violation to us? It’s self-serving circular crap.
When you throw the IRS harassing charities working for the “wrong” politics, you start to pine for the good old days of Nixon-level fair play and integrity.
To be fair, FISA got nasty with the Patriot Act, which was an abomination enacted by a different political party. Hey, Washington, next time try to remember that your laws will someday be administered by your political enemies, k? (NSA: I trust you’ll pass the message for me?)
Political talk is over. How do we stop the government snooping?
There are four main pieces to discuss, based on the scandalous Constitutional violations reported recently.
1. Social media monitoring. There’s nothing to this. If you post things on Facebook, the government sees it and knows it’s you. Don’t post anything you don’t want broadcast to the police, your grandmother, and your priest.
2. Internet browsing. There is very little that is secure on the internet. The government can subpoena your ISP and get any records they keep. Unless you go anonymous and encrypted. Welcome to TOR. The Onion Router is a system that encrypts your internet traffic and bounces it all over the world. Once you enter TOR, nothing you do can be tracked, until your internet request leave the TOR system. The system is not centrally owned or controlled, so nobody in the system can track what you are doing.
For example, if I use the TOR browser to search Wikipedia, a snoopy NSA goon could tell I’m using it, and they could tell there was a request from the TOR system to Wikipedia, but they can’t tie one request to the other. If I’m dumb and log into Facebook, I lose that anonymous shield.
That’s solid protection from anyone watching your internet traffic.
How do you use it?
Easy. Just install the Tor Bundle. When you want the NSA to stop snooping over your shoulder because you want to do a search on erectile dysfunction, you launch TOR and the TOR browser and search without having to share your embarrassing secrets.
3. Email. Email is easily the least secure means you can communicate. When you send an email, that message is in plain text, and it bounces from server to server until it reaches the recipient. Any of the involved servers can keep a log of the traffic and read your email.
Never, ever, ever, ever put anything incriminating or important in an email. Don’t send credit card numbers, your social security number, or the address of your meth lab.
But what if you want to have a dirty conversation with your spouse without letting the sick voyeurs at the NSA listen to you ask your wife what she’s wearing and how would she like it torn off?
Use PGP. OpenPGP is a free software encryption program that is basically impossible to decrypt. It’s known as public-key encryption, which means that anybody can encrypt a message to you that only you can read.
It’s like magic.
To use PGP, the easy way(for Windows users) is to get Gpg4win. Install that, then open Kleopatra. This will let you generate your encryption key. You do that by:
- Clicking File, then New Certificate
- Click Create Personal OpenPGP key pair
- Enter your name and email, then click next, then “Create Key”. Enter your passphrase when asked.
You now have a set of PGP keys. To get your public key that others can use to send you messages, right-click your certificate and select “Export certificates”. Pick a path to save the certificate, then do so. You can open this file with notepad to get your public key, or you can email the file out. There is no need to worry about security with this file.
You will end up with something that looks like my public key here:
—–BEGIN PGP PUBLIC KEY BLOCK—–
Version: GnuPG v2.0.20 (MingW32)mQENBFGyPPkBCAC8zc5B7srG/ZyRMpokP3KyIMd9GA4n94wT89sP/yWFylbTKXDM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=fHba
—–END PGP PUBLIC KEY BLOCK—–
To get your private key, that you can use with any number of plugins for your email client, right-click on your certificate and select “Export secret keys.”
You can either use PGP as a plugin for your email client, or you can use Kleopatra’s feature “Sign/encrypt files”. To do that, write your message in a file, then select the feature inside Kleopatra. You’ll end up with an encrypted file you can attach to your email that snoopy government man can’t read.
4. Phone calls. This would appear to be harder, since your phone is largely out of your control. There’s nothing practical you do about a landline, except to avoid saying anything sensitive. On your cell phone, you have options, assuming you use a smartphone.
For Android users, it’s free an easy. Install Redphone. If you place a call with Redphone, it checks to see if the caller also uses Redphone. If he does, it places an encrypted call over your data plan to the other phone. Nobody can listen in to an encrypted call. The same company also makes a program for texting.
For iPhone users, you’re stuck with Silent Circle for $10/month, which may be a better option, since there is support for more devices, including Android. It was designed by the guy who designed PGP and handles texting and email, too.
That’s it.
There you are, the whats, whys, and hows of modern, hassle-light, private communications. Doing what we can to foil bad government programs is our patriotic duty.
How to Have a Perfect Life
A few years ago, my wife and I were discussing life improvement, the options in front of us, and our future goals. She said she felt trapped by the scope of our goals and didn’t know where to start. That led to a discussion on
achieving our goals, which led to this.
Examine your life. Take stock of every aspect of your life. What pleases you? What upsets you? What do you do that adds no value to your life? Or worse, removes value? What do you do that adds the most value? What would you like to change? Eliminate? Improve? Count the small things. Nothing is insignificant. Write it all down and be specific.
Analyze your list. Are there any obvious patterns? Is there a single thread that is making you miserable or affecting multiple other items? Would eliminating 1 factor improve 90% of the rest? Is there a bad job or a toxic relationship ruining your happiness? Be honest and be critical.
What are your dreams? Where would you like to be in six months? A year? 5? 10? How would you like to retire? When? Write it all down. This is now your life plan.
Set goals. Set concrete, definable goals. Set goals that have an obvious success point. When you reach your goal, you want to be able to point it out. “Lose weight” is not a goal. “Lose 50 pounds in the next year” is a measurable, definable, concrete goal. Set incremental goals to reach your larger goals and, more importantly, your dreams.
Here’s an example:
Dream: Retire at 50.
- Incremental Goal: Get a 10% raise within 6 months
- Incremental Goal: Eliminate debt within 3 years
- Incremental Goal: Max out 401k contribution
- Incremental goal: Save 150,000 within 10 years
- Incremental Goal: Save 45k each year after that.
- Retire
When you are setting up your goal plan, make sure to include the analyzed items mentioned earlier. These are the things that will make today happier for you.
Now, you have examined your life. You have analyzed the results. You’ve gathered your dreams and compiled a goal plan based on your hopes, dreams, goals and desires. What’s next?
We’re going to take a page from David Allen. It’s time to Get Things Done. What do you have to do next to reach your goals? What is the next step? Don’t let yourself be overwhelmed by the scope of the entire list. Select one single item from your plan and look for the one single next step to make on the path to that goal.
Going back to the retirement goal plan, the next step towards a 10% raise could be researching salaries for your job description in your area to give you ammunition in the meeting with your boss. It could be updating your resume to hunt for a better paying job, or even just studying up on some resume tips.
If you want to run a marathon next year, the next step is to start walking every day to train your body.
If you want to improve communication with your spouse, the next step is probably to let her know.
If you want to eliminate debt, the next step may be setting up a budget or canceling unnecessary services like cable.
Every goal has a path leading to it. If that’s not true, you haven’t defined a concrete measurable goal.
Examine your life. Analyze your situation. Know WHAT you want. Know what you want to change. Set goals to get there, one step at a time. Take a single step towards your goals.
Then take another.
What are you doing to reach your goals and improve your life?
Make Extra Money Part 2: Niche Selection
If you want to make money, help someone get healthy, wealthy or laid.
This section was quick.
Seriously, those three topics have been making people rich since the invention of rich. Knowing that isn’t enough. If you want to make some money in the health niche, are you going to help people lose weight, add muscle, relieve stress, or reduce the symptoms of some unpleasant medical condition? Those are called “sub-niches”. (Side question: Viagra is a sub-niche of which topic?)
Still not enough.
If you’re going to offer a product to help lose weight, does it revolve around diet, exercise, or both? For medical conditions, is it a way to soothe eczema, instructions for a diabetic diet, a cure for boils, or help with acne? Those are micro-niches.
That’s where you want to be. The “make money” niche is far too broad for anyone to effectively compete. The “make money online” sub-niche is still crazy. When you get to the “make money buying and selling websites” micro-niche, you’re in a territory that leaves room for competition, without costing thousands of dollars to get involved.
Remember that: The more narrowly you define your niche market, the easier it is to compete. You can take that too far. The “lose weight by eating nothing but onions, alfalfa, and imitation caramel sauce” micro-niche is probably too narrowly defined to have a market worth pursuing. You need a micro-niche with buyers, preferably a lot of them.
Now the hard part.
How do you find a niche with a lot of potential customers? Big companies pay millions of dollars every year to do that kind of market research.
Naturally, I recommend you spend millions of dollars on market research.
No?
Here’s the part where I make this entire series worth every penny you’ve paid. Times 10.
Steal the research.
My favorite source of niche market research to steal is http://www.dummies.com/. Click the link and notice all of the wonderful niches at the top of the page. Jon Wiley & Sons, Inc. spends millions of dollars to know what topics will be good sellers. They’ve been doing this a long time. Trust their work.
You don’t have to concentrate on the topics I’ve helpfully highlighted, but they will make it easier for you. Other niches can be profitable, too.
Golf is a great example. Golfers spend money to play the game. You don’t become a golfer without having some discretionary money to spend on it. I’d recommend against consumer electronics. There is a lot of competition for anything popular, and most of that is available for free. If you choose to promote some high-end gear using your Amazon affiliate link, you’re still only looking at a 3% commission.
I like to stick to topics that people “need” an answer for, and can find that answer in ebook form, since I will be promoting a specific product.
With that in mind, pick a topic, then click one of the links to the actual titles for sale. The “best selling titles” links are a gold mine. You can jump straight to the dummies store, if you’d like.
Of the topics above, here’s how I would narrow it down:
1. Business and Careers. The bestsellers here are Quickbooks and home buying. I’m not interested in either topic, so I’ll go into “More titles”. Here, the “urgent” niches look like job hunting and dealing with horrible coworkers. I’m also going to throw “writing copy” into the list because it’s something I have a hard time with.
2. Health and Fitness. My first thought was to do a site on diabetic cooking, but the cooking niche is too competitive. Childhood obesity, detox diets and back pain remedies strike me as worth pursuing. I’m leaning towards back pain, because I have a bad back. When you’ve thrown your back out, you’ve got nothing to do but lie on the couch and look for ways to make the pain stop. That’s urgency.
3. Personal Finance. The topics that look like good bets are foreclosures and bankruptcies. These are topics that can cost thousands of dollars if you get them wrong. I hate to promote a bankruptcy, but some people are out of choices. Foreclosure defense seems like a good choice. Losing your home comes with a sense of urgency, and helping people stay in their home makes me feel good.
4. Relationships and Family. Of these topics, divorce is probably a good seller. Dating advice definitely is. I’m not going to detail either one of those niches here. Divorce is depressing and sex, while fun, isn’t a topic I’m going to get into here. I try to be family friendly, most of the time. Weddings are great topic. Brides are planning to spend money and there’s no shortage of resources to promote.
So, the niches I’ve chosen are:
- Back pain
- Bankruptcy
- Conflict resolution at work
- Detox diets
- Fat kids
- Foreclosure avoidance
- Job hunting
- Weddings
- Writing copy
I won’t be building 9 niche sites in this series. From here, I’m going to explore effective keywords/search terms and good products to support. There’s no guarantee I’ll find a good product with an affiliate program for a niche I’ve chosen that has keywords that are both highly searched and low competition, so I’m giving myself alternatives.
For those of you following along at home, take some time to find 5-10 niches you’d be willing to promote.
The important things to consider are:
1. Does it make me feel dirty to promote it?
2. Will there be customers willing to spend money on it?
3. Will those customers have an urgent need to solve a problem?
I’ve built sites that ignore #3, and they don’t perform nearly as well as those that consider it. When I do niche sites, I promote a specific product. It’s pure affiliate marketing, so customers willing to spend money are necessarily my target audience.
Save Your Family
I don’t attach much importance to dreams. They are just there to make sleepy-time less boring. Last night, I had a dream where I spent most of my time trying to prepare my wife to run our finances before telling my son that I wouldn’t be around to watch him grow up. That’s an unpleasant thought to wake up with. Lying there, trying to digest this dream, I started thinking about the transition from “I deal with the bills” to “I’m not there to deal with it”. We aren’t prepared for that transition. Last year, we started putting together our “In case of death” file, but that project fell short. The highest priorities are done. We have wills and health directives, but how would my wife pay the bills? Everything is electronic. Does she know how to log in to the bank’s billpay system? Which bills are only in my name, and will go away if I die? Is there a list of our life insurance policies?
I checked the incomplete file that contains this information. It hasn’t been updated since September. It’s time to get that finished. Procrastinating is inappropriate and denial is futile. Here’s a news flash: You are going to die. Hopefully, it won’t happen soon, but it will happen. Is your family prepared for that?
The questions are “What do I need?” and “What do I have?”
First and foremost, you need a will. If you have children and do not have a will, take a moment–right now– to slap yourself. A judge is not the best person to determine where your children should go if you die. The rest of it is minor, if you’re married. Let your next-of-kin, your spouse keep it. I don’t care. Just take care of your kids! Set up a trust to pay for the care of your children. Their new guardians will appreciate it. How hard is it to set up? I use Quicken Willmaker and have been very pleased. Of course, the true test is in probate court, and I won’t be there for it. If you are more comfortable getting an attorney, then do so. I’ve done it each way. You can cut some costs by using Willmaker, then taking it to an attorney for review.
It’s a sad fact that often, before you die, you spend some time dying. Do you have a health care directive? Does your family know, in writing, if and when you want the plug pulled? Who gets to make that decision? Have you set up a medical power of attorney, so someone can make medical decisions on your behalf if you aren’t able? Do you want, and if so, do you have a Do-Not-Resuscitate order? Willmaker will handle all of this, too.
What’s going to happen to your bank accounts? I’m personally a fan of keeping both of our names on all of our accounts. I share my life and my heart, I’d better be able to trust her with our money. If that’s not an option, for whatever reason, fill out the “Payable on Death” information for your accounts, establishing a beneficiary who can get access to your money if you die. Do you want your spouse to lose the house or the car if you die? Should your kids have to miss meals? Make sure necessary access to your money exists.
Does anybody know what you have for life insurance? Get a copy of the policy and make sure your spouse and someone else knows what company holds it and how much it is worth.
Now, it’s time to make some lists. You need to gather account numbers and contact information for everything.
- Bank accounts. List every bank and account you own. Checking, savings, CDs.
- Investment accounts. Again, every company, every account.
- Mortgage and car payment information.
- Life insurance. Get your policy numbers, contact information, beneficiaries, and amount of coverage all in one place.
- Credit card accounts. Every card, every company. If it’s just your name on the account, your spouse will need to send certified death certificates to stop collections. Otherwise, she’ll need to pay the bills.
- Utilities. Get the account number for the electric bill, the gas bill, water/sewer/garbage, cable and phones.
- Other bills. These include car/home insurance, Netflix, memberships and anything else you pay.
- I’ve included the account information for my web host, registrars and websites. Some of it is salable, some of it is income-generating.
- Car titles. Put the actual titles in the pile of lists.
- Property deeds. Keep these here, too.
Non-financial information to list:
- Online accounts. Any financial sites that would be useful, or any community sites you would like to have informed about your death. Your online presence is a part of who you are.
- Email accounts. Will your survivors need to interact with anybody potentially contacting you? They will need your username and password, or most big providers won’t let them in.
- Social media. How many networks do you participate in? Do you want to disappear, or should all of your Facebook friends know your dead?
- Blogs. Do you have a blog that needs an announcement? Does it generate income? Could it be sold?
- Contact list. Who else needs to be informed of your demise? Don’t make your loved ones hunt for the information.
Now, take all of this information and put it in a nice, fat envelope and lock it in the fireproof safe you have bolted to the floor. Make a copy and give it to someone you trust absolutely. Make sure someone knows the combination to the safe or where to find the key.
Your loved ones will appreciate it.
