- I miss electricity. #
- @prosperousfool Do you still need a dropbox referral? in reply to prosperousfool #
- @prosperousfool Dropbox: https://www.dropbox.com/referrals/NTE1Mjk2OTU5 in reply to prosperousfool #
- Don't let anyone tell you otherwise: Electricity is the bee's knees, the wasp's nipples and lots of other insect erogenous zones. #
- @prosperousfool Throw in a Truecrypt partition and the PortableApps launcher and it gets really neat. in reply to prosperousfool #
- @prosperousfool Universal accessibility. I put an encrypted partition on it so any receipts or credit card info or login info would be safe in reply to prosperousfool #
- RT @untemplater: RT @jenny_blake: Deep thought of the day: "How people treat you is their karma; how you react is yours." -Wayne Dyer #quote #
- @FARNOOSH So what's happening to the one good show on SOAPNet? in reply to FARNOOSH #
- RT @flexo: RT @mainstr: 1 million Americans have been swindled in an elaborate credit card scam and they may not know http://bit.ly/cr8DNK #
Carnivals Roundup
Live Real, Now was included in four carnivals recently:
Yakezie Carnival – Daytona Edition at Not Made of Money
Totally Money Carnival #56 at Afford Anything
Carnival of Financial Camaraderie #22 at My University Money
Carnival of Financial Planning – Edition #225 at Beating Broke
Yakezie Carnival – Dr. Seuss Lorax Edition at Miss Wallstreet
Canadian Finance Carnival #77 at Canadian Finance Blog
Carnival of Financial Camaraderie #23 at Canadian Finance blog
Thanks to all of the hosts for including my posts.
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Have a great week!
How come my back hurts?
My favorite book series is the Sword of Truth by Terry Goodkind. It’s a good sword-and-sorcery, good-versus-evil fantasy.
But I’m not here to talk about that series. Rather, I’m going to talk about one particular scene in book 6, Faith of the Fallen.
There’s a scene where Richard, the protagonist, ends up in a socialist workers’ paradise, where the government controls distribution and everybody is starving. Jobs are hard to come by, because everything is unionized and unions control access to work. That’s a non-accidental parallel to every country that has embrace socialist principles, or even leans that way. Go open a business with employees in France, I dare you.
So Richard goes out of his way to help someone with no expectation of reward. This person then offers to vouch for him at the union meeting, effectively offering him a job.
This is the conversation that follows:
Nicci shook her head in disgust. “Ordinary people don’t have your luck, Richard. Ordinary people suffer and struggle while your luck gets you into a job.”
“If it was luck,” Richard asked, “then how come my back hurts?”
If it was luck, how come my back hurts?
Seneca, a 2000-year-dead Roman philosopher said, “Luck is where the crossroads of opportunity and preparation meet.”
I won’t lie, I’ve got a pretty cushy job. I make decent money, I work from home, I love my company’s mission, and I kind of fell into the job.
By fell into, I mean:
- I started teaching myself to program computers when I was 7.
- I worked in a collection agency collecting on defaulted student loans to put myself through college while I had a baby at home.
- When I graduated, I went out of my way to help anyone I could, which positioned me for a promotion, getting my first programming job. The first one is the hardest.
- I spent 3 years studying the online marketing aspects of what I’m doing, with no promise of a payoff.
- I launched a side business in the same industry as the company I work for.
- I built a relationship with an author to include his books in the classes I teach. He happened to move to the company I’m with.
- I offered advice–for free, on a regular basis–on certain aspects of his business and his responsibilities with this company.
- He offered me a job.
That’s 25 years and tens of thousands of dollars spent earning my luck. How come my back hurts?
I have a friend on disability. He has a couple of partially-shattered vertebrae in his back, but he keeps pushing off the corrective surgery because the payments would stop after he heals. He refuses to get a regular job, because his payments would stop. He lives on $400 per month and whatever he can hustle for cash, and he will make just that until the day he dies. And he complains about his bad luck.
His back literally hurts, but not metaphorically. His bad luck is the product of deliberately holding himself down to keep that free check flowing.
I have another friend who made some bad decisions young. Some years ago, he decided that was over. He took custody of his kid and started a business that rode the housing bubble. When the bubble popped, so did his business. Instead of whining about his luck, he worked his way into an entry-level banking job.
He put in long (long!) hours, bending over backwards to help his customers and coworkers, and managed a few promotions, far earlier than normal. His coworkers whined about it. He’s so lucky. If it was luck, why does his back hurt?
We make our own luck.
If you bust your ass, working hard and helping people–your coworkers, your customers, your friends, your neighbors–and you are willing to seize an opportunity when it appears, you will get ahead. When you do, the people around you who do the bare minimum, who refuse–or are afraid–to seize an opportunity, who always ask what’s in it for them, they will will whine about your luck.
When they do, you will get to ask, “If it was luck, how come my back hurts?”
Be Happy With What You Have…
…or you will never be happy.

A newer car, a bigger TV, a nicer house, a fancier phone, better tickets, more friends, more gadgets, more toys…more, bigger, better…whatever.
It’s all a disappointment.
Nothing on that list will provide happiness. If that is your goal, you will spend your life miserable. It’s not possible to buy happiness, either directly or indirectly through the accumulation of “stuff”. A purchase may fuel your ego or trigger endorphins, but it is all temporary. There’s no sustainable happiness in the “high” of the latest purchase.
The search for stuff pales in comparison to the search for meaning. Find your passion and follow that. Chase that to the ends of the earth, and come back feeling fulfilled. Feel something that will last longer than the drive home or the next product release.
Find contentment. At some point there is a satisfying level of “enough”. More than that, you feel empty. Less, envious. Find enough and stop there. Find the level that allows you to do the things you need to do and some of what you want to do. Find your balance point and be happy with it.
Living life constantly disappointed that you don’t have more is a sure way to live life disappointed. How do you find your balance point?
Also, have you started the Happiness Challenge?
The heat(er) is on! 5 winter home energy saving tips
This is a guest post.
Turning the heat on can strike fear into the hearts of many a home owner. Rising heating bills are not a thing of the past. They are present and there is no end in sight. Relief for high winter heat costs can be found in every leaky window, poorly sealed storm door, inaccurate thermostats and many other locations in and around your home. Seeking out the cheapest gas and electricity prices from local suppliers can help reduce total energy costs and should include home energy audits and payment plans to equalize summer and winter energy bills.
Top 5 Tips for Year Round Home Energy Savings
1. Obtain a free energy audit kit from your local electric or gas provider. Approach your home energy audit as a family. Involving children is one of the best ways to decrease overall energy consumption. Teach the kids about leaving doors open, leaving lights on and the television on when not in the room. Appoint an energy officer for the house who will be responsible for reminding family members about energy conserving activities.
2. Install a digital thermostat, which can be programmed to automatically raise or reduce home temperatures when the house is not occupied such as when parents are at work and the kids are at school. Lowering temperatures to 60 degrees on mild winter days for just six hours during the work day can save on your heating bills without compromising comfort. By limiting the time not to exceed six hours the cost for bringing the home back to acceptable living temperatures is minimal; much longer and the bounce back time is increased sufficiently to mitigate any daytime savings. Reducing overall temperatures by one degree Fahrenheit can save as much as three percent on the total heating bill. Reduce the household temperature by five degrees Fahrenheit and experience a 15 percent saving which is a number most families can easily live with.
3. Comparison shop for the cheapest gas and electricity from local private energy suppliers. Ask about payment plans, adjustable billing cycles and energy reform programs. State and local governments have options for lower income homes, providing subsidies for high winter heating bills. Grants for home improvement along with energy conservation tax credits, which can be applied to heating costs, are another way to reduce budget impacting heating bills this winter.
4. Close vents, use energy efficient space heaters and alternative heat sources for additional energy savings. Closing vents to unused rooms will reduce energy consumption for the entire house. Heating less square footage will require less energy. When closing vents, be sure to seal those rooms well. Install thermal window coverings to reduce heat loss and temperature fluctuations and reduce air exchange at door thresholds with the use of a draft dodger. Using an energy efficient space heater in cold rooms can improve comfort without increasing overall heating costs. Spaces such as basements and laundry rooms can benefit from temporary use of space heaters to increase temperatures for those rooms temporarily. Consider alternative heat sources such as wood stoves and fireplace inserts. Fireplaces are generally inefficient as heat sources. However, wood stoves using catalytic converters can have energy efficiency ratings that rival high tech heat pumps.
5. Appliance energy hogs such as hot water heaters, washers, dryers, ovens and dishwashers should be evaluated each season. Lowering the hot water heater temperature and insulating the water heater and the pipes can reduce energy consumption of this one appliance by as much as seven percent. Wash clothing on cold water settings whenever possible, reserving hot water for only items needing sterilization, such as sick room bedding or cloth diapers. Never start the dishwasher if it is not completely full. The same amount of water and energy will be used to wash five plates and three glasses and will be required to wash a full meal’s worth of dishes for a family of six.
Twitter Weekly Updates for 2010-03-13
- Getting ready to go build a rain gauge at home depot with the kids. #
- RT @hughdeburgh: "Having children makes you no more a parent than having a piano makes you a pianist." ~ Michael Levine #
- RT @wisebread: Wow! Major food recall that touches so many pantry items. Check your cupboards NOW! http://bit.ly/c5wJh6 #
- Baby just said "coffin" for the first time. #feelingaddams #
- @TheLeanTimes I have an awesome recipe for pizza dough…at home. We make it once per week. I'll share later. in reply to TheLeanTimes #
- RT @bargainr: 9 minute, well-reasoned video on why we should repeal marijuana prohibition by Judge Jim Gray http://bit.ly/cKNYkQ plz watch #
- RT @jdroth: Brilliant post from Trent at The Simple Dollar: http://bit.ly/c6BWMs — All about dreams and why we don't pursue them. #
- Pizza dough: add garlic powder and Ital. Seasoning http://tweetphoto.com/13861829 #
- @TheLeanTimes: Pizza dough: add lots of garlic powder and Ital. Seasoning to this: http://tweetphoto.com/13861829 #
- RT @flexo: "Genesis. Exorcist. Leviathan. Deu… The Right Thing…" #
- @TheLeanTimes Once, for at least 3 hours. Knead it hard and use more garlic powder tha you think you need. 🙂 in reply to TheLeanTimes #
- Google is now hosting Popular Science archives. http://su.pr/1bMs77 #
- RT @wisebread 6 Slick Tools to Save Money on Car Repairs http://bit.ly/cUbjZG #
- @BudgetsAreSexy I filed federal last week, haven't bothered filing state, yet. Guess which one is paying me and which one wants more money. in reply to BudgetsAreSexy #
- RT @ChristianPF is giving away a Lifetime Membership to Dave Ramsey’s Financial Peace University! RT to enter to win… http://su.pr/2lEXIT #
- RT @MoneyCrashers: 4 Reasons To Choose Community College Out Of High School. http://ow.ly/16MoNX #
- RT @hughdeburgh:"When it comes to a happy marriage,sex is cornerstone content.Its what separates spouses from friends." SimpleMarriage.net #
- RT @tferriss: So true. "Nearly all men can stand adversity, but if you want to test a man's character, give him power." – Abraham Lincoln #
- RT @hughdeburgh: "The most important thing that parents can teach their children is how to get along without them." ~ Frank A. Clark #