- I tried to avoid it. I really did, but I’m still getting a much bigger refund than anticipated. #
- Did 100 pushups this morning–in 1 set. New goal: Perfect form by the end of the month. #
- RT @BudgetsAreSexy: Carnival of Personal Finance is live 🙂 DOLLAR DOODLE theme: http://tinyurl.com/ykldt7q (haha…) #
- Hosting my first carnival tomorrow. Up too late tonight. #
- Woot! My boy won his wreslting match! Proud daddy. #
- The Get Home Card is a prepaid emergency transportation card. http://su.pr/329U6L #
- Real hourly wage calculator. http://su.pr/1jV4W6 #
- Took my envelope budget out in cash, including a stack of $2s. That shouldn’t fluster the bank teller. #
Twitter Weekly Updates for 2010-06-05
- 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?
The Happy Butt
Do you find the cloud in every silver lining? Is the glass not only half empty, but evaporating? Do you start every day thinking
about how the effects of entropy on the universe make everything you do ultimately pointless?
You may be a pessimist.
Pessimism gets a bad rap. Without pessimists, we wouldn’t have insurance plans, missile defense systems, or Eeyore, and what would the world be without those things?
The thing you have to ask yourself is “Does the negativity make you happy?”
The next thing you have to ask yourself is whether or not you were lying with your previous answer.
If you have a negative outlook on everything, I have good news for you: it’s possible to defeat it. No matter how long you’ve been looking at the world through coffin-colored glasses, no matter how ingrained your negative slant is, it’s possible to change it.
You have to want to change it, because, as the saying goes, old habits die hard. Yippee kai yay.
You need a happy butt.
Little known fact: language shapes the way you think. If your language has no words for a concept, you will have a difficult time thinking about that concept, or even understanding it. Statistically, Asians are better at math than their western-world counterparts. Why? It’s not genetic. When a family moves to the US, the edge is lost within 2 generations. It’s not the amount of school they get. Even in backwaters with limited school access demonstrate the same abilities.
It’s the language. Euro-based languages are horrible. They are a clumsy mish-mash of crap from around the world, and the numbering system makes no sense. 11, 12, 13, huh? Spoken, that’s not a progression, it’s something we have to learn by rote. Why is 13 pronounce “thirteen”, with the ones place first, but 23 is pronounced with the tens place first, the way it is written? Where did the word “twenty” even come from? It’s obviously a horrible bastardization of “two” and “ten”, but is it self-evident? Does the progression through the decades follow some kind of rule? Twenty, thirty, forty, fifty. Nope.
The Asian languages (most of them) differ. The numeric progression is spoken in a rules-based progression that makes sense. 23 is literally “two tens three”, making learning math less about rote memorization and more about masters some simple rules.
In the western world, we are handicapped by our language, at least when it comes to math.
The rest of our thoughts are formed by language, too. Learn a language with different roots than the one your were born with and see how your perceptions change.
One of the signs of negative thinking is qualifying everything you say negatively. For example, one person might say “It’s a beautiful day, today” while Mr. Negativebritches would say “It’s a beautiful day, but it’s probably going to rain.” That’s a sad butt, err, but. Every time you qualify a sentence with a sad butt, you are reinforcing your negative view of the world.
The solution? Drop your drawers and paint on a smiley face. You need a happy but(t). You can rephrase the sentence into a happy thought without changing the sentiment or meaning in any way. Try this: “It’s probably going to rain, but it’s a beautiful day, now.” That’s a happy butt, and it reinforces the positive in your mind.
It sounds stupid, but it works. Your language shapes your life. Put a positive spin on what you say, and you will eventually start to think about life in a positive way.
Give it a shot. For the next week, every time you say something negative, qualify it with a happy butt. At the end of the week, come back here and tell me how it’s working and if you can sense a change in your mindset.
What to Take Away From John Cleese’s Divorce
If you haven’t been kept under a rock your whole life, you’re likely familiar with actor and comedian John Cleese. Part of the infamous Monty Python crew, he starred in films such as Monty Python’s Quest for the Holy Grail, and television shows such as Faulty Towers. However, are you familiar with what has happened to Mr. Cleese financially over the past few years?
When Cleese divorced his third wife she ended up with a divorce settlement that quite literally made her richer than him, despite the fact that they were married for only 16 years and had produced no children.
Divorce is, unfortunately, a fixture of modern society, and people of both sexes need to know how they can protect their personal finances in case of a divorce. After all, these days more than 50% of marriages end in divorce, so not preparing yourself financially for it is engaging is some rather wishful thinking. So how best to protect yourself and your personal finances, should you be unfortunate enough to have to go through one?
If you are the higher-earning party, get a pre-nup prior to marriage; this simply cannot be overemphasized. Cleese himself, already married to wife number four, incidentally, was told that he should have her sign a prenuptial agreement, he initially didn’t want to, despite having just been taken to the proverbial cleaners. He only reluctantly had one written up when his legal team essentially insisted. Even though prenups can be challenged or modified in court, if you are the party bringing more assets to the relationship, it is irresponsible of you not to solicit a prenuptial agreement from a potential spouse.
Another thing to keep in mind is that you should protect assets you have in joint accounts with your spouse, and also begin to actively monitor your credit, if things become acrimonious between you two. This way, you will prevent them from absconding with the totality of your shared funds, or ruining your credit if they are feeling malicious. If you need further information on how to do this properly, speak with a qualified financial planner.
So if you find yourself considering marriage and either have significant assets to protect or suspect you might have them in the future, you owe it to yourself to look into the legalities surrounding prenuptial agreements, and other thorny issues related to personal finance. Failure to do so can end up seriously impacting your life in a negative way, should you ever be faced with a vindictive or greedy spouse; protect yourself!
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Blacksmithing, or Quality Time With a Teenager
For the past few months, I’ve been taking blacksmithing lessons with my 16 year old son.
It’s something I’ve wanted to do for quite a while, but my schedule never lined up with the places that teach near me.
Then I forgot about it.
Last year, the History Channel started a new series called Forged In Fire, that made me think about it again. Better, the boy was interested, too.
If you don’t have a teenager, here’s some interesting information that’s almost universal: teenagers suck. You spend a dozen years of your life essentially doing everything for them. Then one day, they have their own interests and want nothing to do with their parents. I get it, it’s good for them to be independent and all, but it sucks for the parent who wants to spend time with the kid.
Enter blacksmithing. I’m interested, the boy’s interested, and I’ve dropped most of my side projects to have more time for my family and myself. Let’s do this.
Class number 1: 5 miles away, teaches Tuesday evenings at the height of rush hour. That’s a 45 minute 5 mile drive. It costs $350 each for an 8 session class, that I’d have to leave work early for and would cut into the kid’s homework.
Class number 2: 15 miles away, teaches full-day classes over eight consecutive Saturdays…for $120 each. That’s awesome. Except they book their entire year’s calendar of classes within 3 days of posting the schedule for the year. When they got my paper registration in the mail(seriously, paper? In 2015?), they called to tell me we were 6th on the waiting list.
Class number 3: 2 hours away. Full day classes on Saturdays. Held every Saturday, so we could come on our schedules. Cost $100, but $200 total for a class as we want them is way more affordable than the $700 up front for class #1. I’m sold.
Four classes into it, I find out that that’s the most classes I can pay for. I’m still welcome to use the facility, but now I have to supply my own charcoal. From here on out, it’s $50 for gas and $20 for charcoal to forge all day…and still get taught. If we pass some tests, we can officially join and sell our creations in the gift shop.
Totally sold.
So now, the boy and I are making the drive once a month. We talk during the drive, we work together on the forge. I love my kid, and I love spending time with him. I love making things, and I love sharing that love with my kids. In a few years, he’ll move out, but he’ll remember this for the rest of his life. It’s worth every cent.
