- Working on my day off and watching Teenage Mutant Ninja Turtles. #
- Sushi-coma time. #
- To all the vets who have given their lives to make our way of life possible: Thank you. #
- RT @jeffrosecfp: While you're grilling out tomorrow, REMEMBER what the day is really for http://bit.ly/abE4ms #neverforget #
- Once again, taps and guns keep me from staying dry-eyed. #
- RT @bargainr: Live in an urban area & still use a Back Porch Compost Tumbler to fertilize your garden (via @diyNatural) http://bit.ly/9sQFCC #
- RT @Matt_SF: RT @thegoodhuman President Obama quietly lifted a brief ban on drilling in shallow water last week. http://bit.ly/caDELy #
- Thundercats is coming back! #
- In real life, vampires only sparkle when they are on fire. -Larry Correia #
- Wife found a kitten abandoned in a taped-shut box. Welcome Cat #5 #
Mastermind – The Best Personality Type
A few of the best personal finance blogs have decided to post on a theme. It’s a personality type blog carnival.
After taking the Jung Typology Test, I discovered that I am an INTJ; a Rational Mastermind. Specifically I am I(78%) N(12%) T(75%) J(44%).
What does that mean, you ask?
It means that I am rare. Fewer than 3% of the population has my personality type, which is Introvert iNtuition Thinking Judgement, but the intuition is close to Sensing, making me almost an ISTJ, or a Guardian Inspector.
From Wikipedia:
- I – Introversion preferred to extraversion: INTJs tend to be quiet and reserved. They generally prefer interacting with a few close friends rather than a wide circle of acquaintances, and they expend energy in social situations (whereas extraverts gain energy).
- N – Intuition preferred to sensing: INTJs tend to be more abstract than concrete. They focus their attention on the big picture rather than the details and on future possibilities rather than immediate realities.
- T – Thinking preferred to feeling: INTJs tend to value objective criteria above personal preference. When making decisions they generally give more weight to logic than to social considerations.
- J – Judgment preferred to perception: INTJs tend to plan their activities and make decisions early. They derive a sense of control through predictability, which to perceptive types may seem limiting.
- S – Sensing preferred to intuition: ISTJs tend to be more concrete than abstract. They focus their attention on the details rather than the big picture, and on immediate realities rather than future possibilities.
To summarize the personality of a mastermind: We are big-picture planners. We see patterns other people miss and use that to solve complex puzzles and problems. It’s not possible to follow a thought through the head of a mastermind, because thinking comes with a ton of free association. We may be watching an episode of Spongebob, and something Patrick does will trigger a domino-effect of seemingly unrelated thoughts that will lead a conclusion, out of nowhere. Often, we aren’t aware of the process.
We don’t do crowds, at least, not often. Good conversation with good friends is better than a party full of people we barely know. Crowds are draining. A quiet night at home is a good night, but that’s not saying we-re shy. We just don’t enjoy keeping up with small talk and polite chatter. Get us on a topic we’re passionate about and you won’t shut us up. Get us in a group of people we care about, and we can be the life of the party.
As a group, we are ambitious and deliberate. We are capable of making firm decisions, confidently. Confidence is one of the hallmarks of a mastermind, but one I don’t have to the normal extreme.
We are obsessive focused. When we get set on a problem, we focus in a way that leaves other people stupefied. Time goes away. The rest of the world fades. You may have to shout to get our attention. Sometimes, our minds will drift in the middle of a conversation, and we’ll lose track of who’s saying what. It’s rude, but that doesn’t change the way we are wired.
We don’t do emotion. We are rational and get frustrated with people who make decisions based on emotion. This makes it hard to connect with others, but that’s okay, because it’s better to have a few extremely close friends than a crowd of mere acquaintances. Unfortunately, this can make relationships difficult, too. The benefit to dating or marrying an INTJ is that we carry our focus into relationships. We take our relationships seriously.
We are inwardly-focused, so we spend quite a bit of time examining ourselves. This can lead to a long series of self-improvement projects, but none get taken on as a mere fad. They are planned and dissected before even being mentioned to others, let alone undertaken.
We take criticism well, but if you can’t back up the critique with facts and reasoning, don’t bother. Rational, remember?
We are driven by a need to understand. Once we understand, a given project or line of thought may be abandoned. Until we understand, very little can shake our focus.
Self-promotion is difficult, since we don’t get into the heads of others well. They should be able to see the obvious benefits without being told, right?
Now, to cross a bit of the ISTJ into the mix.
An Inspector is duty bound and loyal, to an extreme. They are dependable workhorses. Under stress, they can get stuck on the things that could go wrong, which would explain why I miss out on the confidence brought by being a mastermind.
To summarize me:
- I am a planner.
- I am extremely focused, to the point of obsession.
- I am driven to learn new things, constantly. Few of those things are incorporated into my life, long-term.
- I don’t cheat. Taxes, games, relationships, etc.
- I am intensely loyal, but to very few people or causes. I don’t end relationships quickly or easily. That said, when it’s time for them to be over, I can break it off with little regret.
Security, improvement, planning, learning, thinking, loyalty, honesty, integrity.
That sounds about right.
Now you know a bit about how I tick. What’s your personality type?
Five Ways to Save Money On Cable
Cable is a luxury. There are very few people out there who can actually and legitimately consider cable television to be a necessity of life. For the rest of us, it’s just something that’s nice to have. Unfortunately, it’s expensive. In my area, prices come as high as $90 plus tax, and that’s not including any of the fancy channels that could feed my True Blood addiction. If you start adding on channels, you can get up to $250 per month.
That’s a lot of cash.
Cutting back on cable TV is one of the easiest ways to get your spending under control. Here are 5 ways to make it happen.
1. Ditch it
Do you really need cable at all? How much of your life do you waste in front of the TV? This wouldn’t work well in my house. We enjoy too many shows, and a lack of TV aggravates my insomnia. When I wake up at 2AM, I need something mindless to distract me while I fall back asleep.
2. Netflix Instant
I love my Netflix. With Instant, as long as you aren’t too hooked on watching the latest show as it comes out, you can catch most of the show you enjoy. There are thousands of TV series to choose from. I make a habit of choosing a couple of shows at a time, and watching the entire series before moving on. This does have the drawback of leaving you a couple of seasons behind for some shows, like In Plain Sight. Grr.
3. Go basic
If you do need TV, do you need the extended cable-only channels? Can you get by with basic cable, and just get the shows that would be otherwise broadcast? That’s what we did. This, combined with #2, make TV cheap and easy.
4. All internet
Did you know that you can use a Roku box to get Netflix Instant, Hulu Plus, Crackle, and more? I have more channels available there than I’ve ever had on cable. Starting at $50, it’s a steal.
5. Drop the fancy channels
HBO, Skinimax, and Showtime are pure unnecessary luxuries. Save yourself some money and buy each series on DVD as they come out. If you buy one a month, you’ll still come out ahead.
I’m not about to tell you that cable is evil or that TV is rotting your brain. I enjoy my rot, and you should be able to do so, too. Try not to waste extra money doing it.
How do you save money on TV?
Time Management, Part II
I have horrible time management skills.
Part of the reason is that I take on a lot of projects.
Part of the reason is that I’m easily distra…ooh, shiny!
And part of the reason is that I’m a terrible procrastinator. On second thought, that’s not quite true. I’m actually a very good procrastinator. It’s a skill I’ve built up quite well.
Stephen Covey tells a story–one I’ve always heard applied to personal finance–called The Big Rocks of Life.
One day this expert was speaking to a group of business students and, to drive home a point, used an illustration I’m sure those students will never forget. After I share it with you, you’ll never forget it either.
As this man stood in front of the group of high-powered over-achievers he said, “Okay, time for a quiz.” Then he pulled out a one-gallon, wide-mouthed mason jar and set it on a table in front of him. Then he produced about a dozen fist-sized rocks and carefully placed them, one at a time, into the jar.
When the jar was filled to the top and no more rocks would fit inside, he asked, “Is this jar full?” Everyone in the class said, “Yes.” Then he said, “Really?” He reached under the table and pulled out a bucket of gravel. Then he dumped some gravel in and shook the jar causing pieces of gravel to work themselves down into the spaces between the big rocks.
Then he smiled and asked the group once more, “Is the jar full?” By this time the class was onto him. “Probably not,” one of them answered. “Good!” he replied. And he reached under the table and brought out a bucket of sand. He started dumping the sand in and it went into all the spaces left between the rocks and the gravel. Once more he asked the question, “Is this jar full?”
“No!” the class shouted. Once again he said, “Good!” Then he grabbed a pitcher of water and began to pour it in until the jar was filled to the brim. Then he looked up at the class and asked, “What is the point of this illustration?”
One eager beaver raised his hand and said, “The point is, no matter how full your schedule is, if you try really hard, you can always fit some more things into it!”
“No,” the speaker replied, “that’s not the point. The truth this illustration teaches us is: If you don’t put the big rocks in first, you’ll never get them in at all.”
The original point to the story is just as relevant as the personal finance lessons associated with it. If you let your life fill up with the little crap that doesn’t matter, you won’t have time for the important things.
At work, I have 4-5 major projects I’m working on. Some of these are behind schedule. I get interrupted sometimes twenty times per day. Each one of those interruptions kills my concentration; it wrecks my groove. By the time I’m back on track, 20 minutes have passed and I’m getting interrupted again.
No wonder I don’t seem to get anything done.
If I close my door and ignore my email, the little rocks usually don’t fill up my day, allowing me to concentrate on the high-value projects. That’s not always possible, and my coworkers get upset when I throw rocks at them for interrupting me, but it does help me get things done.
Now, I just need to focus on the big things and let the little rocks slide. No twitter, no internet forums, no coworker interruptions. Then we’ll see how productive I can be.
What are your “little rocks”? How do you avoid getting bogged down?
Integrity
The true measure of a man’s integrity is not what he will do, but rather what he won’t do.
-Flannery O’Connor
Have you watched a TV lately? Have you noticed that most sitcoms are based entirely on dishonesty? If the characters would stop lying to each other, the premise of most shows would fall apart. How much humor can be found in getting caught in a lie, week after week? If I lived in one of those homes, there would be a divorce happening immediately. There’s no integrity in any of the relationships.
Integrity means no lying, cheating, or stealing. It means you deal with everyone honestly and honorably. You don’t cheat on your wife, or make BS excuses to your kids. You have to make sure you have nothing to feel guilty about and expect the same from the people you deal with. It’s not always easy. If a waitress accidentally forgets to ring up a meal, or a store clerk only rings up one DVD, or the scanner borks itself and give an extra 50% off, you speak up, even if it costs $100. That’s honesty.
Ultimately, what you do during the day, you have to sleep with at night. This includes avoiding responsibilities. Always do what you say, barring forgetfulness, and in that case, make up for it immediately. Don’t break promises, don’t skip out on debts, and don’t get into commitments you have no intention of honoring.
I’ve discovered that the best way to keep your stories straight is to only tell the truth. I don’t have to coordinate an alibi or remember which lie I told to which person if I am honest in all of my dealings. It’s not the easy path. It would be easier to sneak large purchases into the house, or tell my wife I was working late instead of going out for a beer. There are a lot of shortcuts I refuse to take with my life. People act like I’m stupid because I won’t cheat anyone. I enjoy being treated like that, because it means I know who to avoid in the future. If you break promises, lie, cheat, steal, or skip out on your responsibilities, I don’t want to associate with you. Honesty is an important part of my life and relationships. I won’t apologize for that.
What are your core values?
Sunday Roundup: Balancing Fun and Frugality
Friday was another Yakezie Blog Swap. The topic was: “Balancing Frugality and Fun.”
Here is the list of articles:
Latisha Styles shares her story about going on a shopping diet at Narrow Bridge.
Joe gives us 10 different ways we can have fugal fun in almost any city at Prairie Eco-Thrifter.
The other Joe shares with us his memories of time with his Grandpa growing up and how he taught him to have fun at Mom’s Plans.
Ashley reminds us to spend those dollars where they will give us the most happiness at My Personal Finance Journey.
I shared that making memories is what counts at Financially Consumed.
Denise tells us that any kind of fun is possible with a little planning, determination, and work at Money Cone.
Money Cone shares with us how they have become a latte sipping frugal Mac user at The Single Saver.
Jacob shares with us 5 different techniques we can use to balance frugality and fun at Money Talks Coaching.
Eric at Narrow Bridge shared 3 ways he’s found to have fun on the frugal at Retire by 40.
Hunter tells us why corporate bankruptcy isn’t fun at all at Live Real Now.
Melissa shares her story of how her family balances frugality and fun atSmart Money Focus.
Eric defines the ultimate frugalite and the ultimate spender over at Financial Success for Young Adults.
Carnivals I’ve Rocked
Selling Your Car was included in the Totally Money Blog Carnival.
The Evils of a Reverse Mortgage was included in the Carnival of Personal Finance.
Thank you! If I missed anyone, please let me know.