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You’re Gonna Die, Part 1

Death of a surrealist soldier — Image by funadium via Flickr

If you knew you were going to die tomorrow, what would you do today? How would you spend your last hours? Would you go skydiving before the chance evaporated forever, or would you spend the day talking with your loved ones?

If you knew you would die in a month, what would you do? Would you plan a trip to the one place in the world you’ve always wanted to see? Would you look up all the friends you’ve been too busy to see?

What would you regret? Is there something you have always wished you’d done, but have put off for some reason or another? Do you want to write a novel, or backpack Europe, or watch a shuttle launch? Far more people regret opportunities missed than those they’ve taken. If there is something that you could do that would let you die happy, take steps today to make that a reality. Remember that you are probably not going to die in a day or a month, but don’t let your entire life slip away without doing the things that matter most to you.

Our lives are short. Far too short to waste time on the things that add no value. Everything you do should advance your happiness, either short-term or long. That doesn’t mean you should waste your life pursuing hedonism. Lives need meaning. Chase that meaning.

Find out what gives your life meaning. What do you do that lets you go to bed with a smile on your face? Those are the activities that you should maximize. What is wasting your time? You can probably shut off the news and never miss it. It’s just too much information that doesn’t add anything to your life. Does obsessing over Charlie Sheen’s latest antics ad any value to your life? Take that time and write a screenplay, take a walk, smell a flower, hug your kids, anything that provides actual value for you. Don’t waste your life on meaningless activities that do nothing more than kill time. Time is the one thing we have that we will not get back.

Many people go to their deathbeds thinking, “I wish I had X.” What is your X? What would you wish you had done?

Selling Your Car

Finance

: English: Jalopy car in Joshua Tree National Park in Hidden Valley Campground (Photo credit: Wikipedia)

When it’s time to replace your car, most people focus on the new car, instead of the old, but that is ignoring real money. Your old car–unless it has disintegrated–still has value. Sometimes, it’s just time to ask yourself, “When should I sell my car?”

When you’re looking to sell your car (like with We Will Buy Your Car), you generally have several options:

Tow & crush. If your car has been wrecked, doesn’t run, or is just old and beat up, you may be stuck with calling a junkyard and accepting $50 for them to pick up your car and crush it for scrap.
Trade it in. This is probably the least hassle, but–other than #1–doesn’t pay well. Dealerships are willing to pay something under what they will get at a wholesale auction, which is quite a bit less than the blue book value.
Sell it yourself. Now you’re thinking, “He’s going to buy my car! Oh, bother.” It can be a pain, but it’s also the best way to get a decent price for your wheels.

When you sell your car, there are a few things to keep in mind, much like when you sell something on Craigslist.

Don’t be alone. There are bad people in the world, but they don’t like witnesses. Bad things are much less likely to happen if you have company.
Know your price. Specifically, know three price: your dream price, the price that would make you happy, and the absolute lowest price you are willing to accept. Make sure you figure these numbers out ahead of time. Know what you are comfortable with before it comes time to close the deal.
Check IDs. The buyer is going to want to test-drive your car. That’s fine, but you want to make sure you know who is driving off in your car. “Officer, Sumdood took my car. He was wearing jeans.” That won’t get your car back.
Clean it up. Get the car detailed before you show it to a potential buyer. A sparkling-clean car will almost always bring in a few hundred extra dollars. It’s well worth the expense.

Following this plan should make the sale go as smoothly as possible and bring you the most possible money.

Readers, what have you done to dispose of an old car?

This is a sponsored post written to provide some insight into the world of used car retail.

The Happy Challenge

Life

Watch this video.

Done?

Great.

For the cheaters, the part I am most interested in is the bit about reprogramming your brain for happiness. Studies are showing that you can rewire yourself to be happier by doing happy things.

The science is sound. Good things trigger a dopamine reaction. Your body likes dopamine, so you start craving the things that make it happen, which all happen to be good things. As you suffer dopamine withdrawal, you become driven to do what it takes to get your fix.

The process is similar to heroin withdrawal, with no downside.

Hugging your kids(assuming you like them) triggers the reaction. So does sex, successes at work, and beating a video game.

The specific plan mentioned in the video is to write down three things that you are grateful for, once per day, for 21 days in a row. That will begin the self-reinforcing training that can get you hooked on being happy.

That’s a win. 75% of job success is predicted by your attitude. You are 31% more productive when you are happy. You’re also more fun to be around.

That’s a win.

Here’s my challenge:

For the next 21 days, do it. Write down 3 thing you are grateful for. What makes you happy? It’s okay if it’s hard. If it’s hard for you, you need it more than most.

Now, the truly hard part:

Fill out this form every day. Your answers can be as long or as short as you’d like, but there has to be 3 new things every day for 21 days. We’re going to train your brain to look for the positive, so you can’t give me 63 things on day 21. 3 things, 21 days.

On day 22, tell me how the previous 3 weeks have been.

When it’s over, I’ll hold a drawing for everyone who completed the challenge. Not everyone will see this immediately, so I’m going to run the challenge until May 15. That means you have until April 24th to get started.

3 answers per day means three prizes. I’ll give away a total of $250 to three lucky participants. That’s a $125 prize, a $75 prize, and a $50 prize, but you have to obey the rules. 3 things, 21 days in a row.

Be happy. I dare you.

Ending A Streak

Life

The first year I decorated our yard for Halloween was 1999. The first year we through a Halloween party was 1998. Beauty Queen

Our parties tend to fall on the legendary side. Between setup, cleanup, and out-of-town guests, the party is a 3-4 day affair. People reserve our spare beds a year in advance. The day of the party itself, we’re going from 10AM until 5AM, cooking, drinking, and talking. Over the 10 hours the party is actively going, we have 50-60 guests in and out.

Our yard is a neighborhood attraction. We’ve been on the news and in the newspaper. By the end of Halloween night, the path through the yard is nearly worn down to bare dirt. The spot the large coffin sits takes 6 weeks to rejuvenate in the spring. I’ve literally scared kids right out of their masks. Little old ladies have jumped out in the air, shrieking, only to ask me to hide again, so they can bring their husbands over to enjoy the startle.

This year, we end the 13-year unbroken streak of fear and debauchery. We’ve been doing this since before any my oldest kid was weaned.

It’s hard to take a break, but…

Dealing with my mother-in-law’s house has been far too much work for us. We spent all summer cleaning out the hoarding mess.

And fixing up the yard.

And replacing the boiler.

And fixing the plumbing.

And updating the electrical system.

And fixing up the basement.

And patching the walls.

And selling the cars.

And sorting through 30 years of every scrap of paper that has ever come through the house.

And dealing with all of the memories, and the pictures, and the past.

It’s been too much, and it’s not done.

Now, it’s the middle of October, and the idea of stealing the extra time to add the extra stress of setting up the yard and throwing a big party makes me want to break down. Spooky

Two days to set up the yard, only to have some kid steal my favorite, irreplaceable pieces, then two days to pack it all up.

A day of decorating inside, followed by a party and a hungover day of cleaning it all up.

All of that, while losing time from the side business and pushing through to the end of the property preparation from hell.

I can’t do it, so, as sad as it makes me, we’re taking the year off. No Halloween events at my house this year.

Mortgage Race, Part 2

Finance

As I mentioned last month, Crystal and I are in a race to pay off our mortgages. The loser(henceforth known as “Crystal”) has to visit the winner. Now, since–judging by the temperature–Crystal lives in Hell, I think it would be good for her to visit in the winter. There something about the idea of going ice fishing, staring at a hole in the ice while sitting on a 5 gallon bucket, cursing the day I was born.

Today, she threw down the gauntlet again. She has apparently decided that, since her prerequisites are met, she’s going to win. Sure, she’s closed on her house and built her savings back up to $20000, but it doesn’t matter. I’ve sent a small army of arson-ninjas to keep her from getting ahead. They are so small, they can only carry tiny matches and single drops of gasoline, so the damage they can do is tiny, but it will add up. Just a word of advice: if you hire an army of arson-ninjas, go for the upsell and get ninjas that are at least 2 feet tall. Anything less is just inefficient.

When I announced the race last month, my mortgage balance was $26,266.40. Today, it is $25,382.53. In three days, there will be another $880 applied to the principal.

In February, our renters will move in and we’ll conservatively have another $650 to pay. When that starts, our balance should be around $23,000. Adding a portion of the rent payment should mean we pay off the house in May 2014. However, when I bring in our side hustle money, that will bring us back to September 2013.

Crystal’s projected payoff is July 2013, so I’ll have to hustle.

Iggy Azalea – Ghost Writer or Artist? Will it affect her bottom line?

Celebrities

There has been a lot of controversy surrounding Iggy Azalea. Some of it has to do with her appearance and some of it has to do with her lyrics. There have been rumors in the rap industry that Iggy uses a ghost writer.

Iggy Azalea 15/15 (Photo credit: Pompey_1Love)

Specifically, the accusation that her mentor T.I. has ghost wrote many of her songs. But does it matter?

Many people in the rap industry have ghostwriters. Kanye West started out as a ghostwriter. He wrote lyrics and music for many big stars. Neo is another artist that started out as a ghostwriter. This shows that there it’s not unusual. Dr.Dre has spoken about hiring people to write his songs. Ghostwriting is very popular in the Hip Hop community. Many of the most popular artists got their start writing lyrics or music for other singers. The only time it enters into the conversation is when artists get into feuds.

The newest accusation against Iggy comes from fellow female rapper Nicki Minaj. Nicki won an award at the BET awards and when she was accepting the award she insinuated that Iggy does not write her own material. This is publicity and will only help both rappers. Nicki is the top female rapper and she is taking notice of Iggy. It’s common in the Hip Hop world for competitors to get into public arguments. This dates back to the old East Coat v.s. West Coast rap feud. The good thing about this controversy is that neither Nicki or Iggy are gangster rappers so there won’t be any violence. Some rappers like The Game and 50 Cent and Nas and Jay Z used these feuds to become superstars.

This sort of controversy won’t hurt Iggy Azelea. Take Beyonce as an example of a successful artist who uses ghostwriters. No one cares that Beyonce doesn’t write her own songs. All people care about is if the song is good. As long as Iggy and her producers keep choosing good songs and making good music, then she is going to sell records. Her feud with Nicki is only going to add to her popularity. This type of feud helped other rappers such as Nas, JayZ, Eminem, and 50 Cent.

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