- RT @Dave_Champion Obama asks DOJ to look at whether AZ immigration law is constitutional. Odd that he never did that with #Healthcare #tcot #
- RT @wilw: You know, kids, when I was your age, the internet was 80 columns wide and built entirely out of text. #
- RT @BudgetsAreSexy: RT @FinanciallyPoor "The real measure of your wealth is how much you'd be worth if you lost all your money." ~ Unknown #
- Official review of the double-down: Unimpressive. Not enough bacon and soggy breading on the chicken. #
- @FARNOOSH Try Ubertwitter. I haven't found a reason to complain. in reply to FARNOOSH #
- Personal inbox zero! #
- Work email inbox zero! #
- StepUp3D: Lame dancing flick using VomitCam instead or choreography. #
- I approve of the Nightmare remake. #Krueger #
Reputation Isn’t Everything
I’m a code monkey by trade. Software development pays my mortgage.
I’m also–and separately–a small business owner and have been for years. I’ve actually got several side-hustles going, but only one of them is formal, organized, and incorporated as an LLC. A few years ago, a friend and I decided to go into business together, got certified by the state and start making some extra money.
I have recently discovered that two of the government agencies related to our business have been referring students to us. When our customers call the certifying organization, they are–at least some of the time–recommending us over nearly 200 of our competitors. You can’t buy that kind of marketing. At least, I hope you can’t.
How did that happen? How did two faceless bureaucracies decide that we were the company to recommend?
People talk. Over the last few years, we have worked to make sure people want to say nice things about us. What did we do?
1. We never lie. Our business is training. If one of our students asks a question I can’t answer, I admit it and promise to find the answer. Then, after class, I find the answer and email it to everyone.
2. We are reliable. If we schedule a class and just one person shows up, we hold the class. We have had classes with two instructors and one student. Our hourly rate sucked those days, but the students loved the attention and sent us business afterward. I’d never cancel if even one person is planning to be there.
3. We give it away. We give a lot away. If our customers have questions before or after class, we answer them. I spend time on related forums answering questions. Veterans take our class at cost. I try to give away at least as much value as I get paid for.
Now, this sounds like a sales page, but it’s not. I’m not mentioning the name of my company or even the industry, just so nobody thinks I’m trying to drum up business.
We have dropped a crazy amount of time and effort into building our reputation. With a firm foundation of knowledge and the 3 items I mentioned above, a good reputation is easy to build. A bad reputation is even easier. It’s been said that a happy customer will tell 1 person about his experience, while an unhappy customer will tell 100. Repairing the damage from the unhappy customer is much more expensive than just doing it right the first time.
Building a good reputation is absolutely critical for a successful business. Be ethical, honest, and helpful. Always be there when you say you will be, and try to give away as much as possible without actually hurting yourself. People will talk, so don’t give them a chance to say bad things without being liars themselves.
Reputation isn’t everything. You also need knowledge, marketing, and a product. Without a good reputation, however, the rest doesn’t matter.
Slow Carb Diet: How to Avoid Going Bat-**** Crazy
I received an email recently, asking “what kinds of things are you eating so that you don’t go bat-**** crazy?”
First, some background.
On January 2, 2011, I started Tim Ferriss’s Slow Carb Diet and, as of 2/18/2011, I have lost 30 pounds. The first 11 or so were water weight, but I’ve still been losing 4-5 pounds per week. This diet has a few—but only a few—rules.
- Eat nothing white. That means no sugar(including fructose), no flour, no potatoes, no rice(even brown), and no milk(or any dairy). Beer is white.
- Breakfast is high-protein.
- Cheat day once a week. On cheat day, there are no rules after breakfast.
- Meals should consist of 40% protein, 30% vegetables and 30% legumes(beans or lentils).
- If you get hungry between meals, you didn’t eat enough at the last meal.
That’s it. The rules are simple and don’t require that I refer back to the book for anything.
Here is a typical day for me on this diet:
For breakfast most mornings, I have 3 eggs and 2-3 sausage links. I bought brown-and-serve sausages so this takes 10 minutes to cook in the morning.
On the way to work, I have a diet soda if we have any in the house. If not, I skip it. I like pop, but I’ve broken my caffeine addiction completely.
For lunch, I will either have leftovers from the night before or some stir-fry with beans and whatever protein is convenient. I’ve been keeping pre-cooked brats(wurst, not kid) or polish sausages as a convenience food.
Several times a week, I make some stir-fry. I use a basic, flexible recipe.
- Chop whatever vegetables are on hand. We usually have onions, broccoli, a variety of peppers, and mushrooms. If I have celery, asparagus, or almost any other vegetable. Lettuce works poorly in a stir-fry.
- Put some oil in a hot pan. I prefer sesame oil, but I’m not picky. I’ll use whatever oil we have on hand.
- Cook the vegetables, stirring constantly. Cook them in the order of how long they take to cook. Onions are usually first. Celery tends to be last.. While they are cooking, I sometimes sprinkle ginger powder over the top.
- If you are getting sick of eating beans, toss them into the stir-fry, cooked. They mash and disintegrate, giving you the benefit and some flavor, without the mouth-feel.
- When the vegetables are cooked to your satisfaction, put them in a bowl. They will keep in the refrigerator for a few days.
I tend to cook the meat separately, as that lets me vary the meal more. I’ll make some chicken or steak ready to toss in the stir-fry before I re-heat it.
I vary the seasonings, vegetables, and oil to get different flavors I rarely make the same stir-fry twice. The real trick to keeping the food satisfying is to experiment with seasonings. They make a huge difference between bland and yummy. Seasonings can make or break a meal all by themselves.
If I don’t have any stir-fry or leftovers, I’ll bring some salad and a polish sausage. Most salad dressing is sugar-based, so I either go light on the dressing, or use balsamic vinegar. I try to avoid doing this more than once every couple of weeks. It’s boring and doesn’t taste that great. It’s okay, but that’s all.
I try to always have cooked beans or lentils in the refrigerator. They provide a significant part of my calorie intake. Beans are kind of a necessity. Vegetables taste better, but are a low-calorie, bulky food. You can’t stay full all day on nothing but lettuce. Beans get old. I’ll usually toss a few spoonfuls of salsa to change the taste. When I cook lentils, sometimes, I’ll cook it in beef broth with fried onions and garlic to make a tasty change.
For dinner, I have whatever vegetables we are cooking for the kids, a scoop of beans, and a protein that usually isn’t cooked for the family.
The protein source varies based on whatever was on sale when we went grocery shopping. It can be steak, chicken, or anything else. This week, we bought 16 chicken drumsticks. We spread them out on a cookie sheet and seasoned them 3 different ways, just for variety. Some got garlic salt, some got Italian seasoning, and some got a Greek rub. After an hour in a 350 degree oven, we had a delicious meal.
If I feel a need for a snack, or a craving for sweets, I just take a spoonful of peanut butter. It helps.
Exercise
I’m not doing any major form of exercise. I wanted to test the diet on its own merits, first. What I am doing is some timed exercises shortly before and 90 minutes after I eat, when I remember. The exercises are resistance-based and 60-90 seconds in duration. The purpose is to crank up my metabolism before the food gets introduced into my body, and then keep it up and running for a while afterward.
I use a mid-level elastic rehab strap, doubled-over twice. I do 75 chest extensions about 5 minutes before I eat. Most days, I forget to do them again 90 minutes later. There are any number of other exercises that would work, including air squats or push-ups.
Supplements
I am not your doctor. In fact, I am not a doctor in any capacity. Similarly, I am not a nutritionist, a dietitian, or even a board-certified snake-oil salesman. I have no qualifications here, in any way, shape or form. Follow this at your own risk.
I take 5 supplements.
Policosanal. This is an herbal supplement that is supposed to help with cholesterol, which is a helpful thing to do when you are on a low-carb, high-protein diet. More importantly, a side effect is weight loss. Hurray for helpful side effects!
Alpha-lipoic Acid(ALA). This is an antioxidant that helps your body produce vitamins C and E. It is also supposed to inhibit triglyceride and fat storage. To quote from the book, “ALA helps you store the carbohydrates you ea in your liver as opposed to in fat.”
Decaffeinated Green Tea Extract. This inhibits your body’s ability to store carbs as fat and it accelerates fat cell death. The second bit means it should help prevent the rebounding so many dieters experience.
Garlic Extract. This assists with cholesterol management and the inhibition of fat regain.
B Complex. I take a B complex vitamin with vitamin C. The B vitamins help balance out some of the things the rest of the supplement regimen does to cellular metabolism while giving your overall metabolism a boost.
I take the whole mess in the morning and again before bed. Shortly before lunch and dinner, I take the ALA, green tea extract and garlic extract.
Ice
As a pure body-hack, I ice my upper back every night. I have an ice-pack sheet that I place on my upper back for 30-45 minutes each night before bed. This lowers my core body temperature, forcing my body to work harder to maintain 98.6 degrees. That burns calories. An additional benefit: getting cold makes you tired, which helps with my chronic insomnia.
This combination of factors has resulted in my losing an average of .7 pounds per day, without meaningful exercise. It’s a violation of a number traditional dieting principles, but it’s working. Is everything I’m doing necessary? Useful? Possibly not. Over the next few months, I’m going to be experimenting with dropping individual pieces of the plan, to see if my rate of loss drops for any of it.
For now, it’s working, and doing so at a rate I like. Dieting usually sucks, because the results are so slow. This is much more satisfying.
Lost Wallet: What to Do Before It’s Gone
I’ve never been mugged. Hopefully, fate has decided that I never will be. Given my habits, it is far more likely that my money clip will fall out of my wallet without me noticing.
That’s a significant piece of my life. That would mean I lost my driver’s license, my debit card, my business credit card, my insurance cards, my carry permit, and the only credit card I carry.
What happens when you lose your wallet? You go to the DMV and get your driver’s license replaced. You call your credit card companies and ask them to invalidate your credit card numbers and send you new cards. You write off the missing cash and hope you don’t need the business cards that you tucked in behind the photo of your great-grand-uncle’s neighbor’s cousin’s mistress’s puppy.
How do you reach your credit card company? You take the card out of your wallet, flip it over, and call the number on the back. But you lost your wallet? What now?
Do you have every statement, that comes with the phone numbers you need to call? I don’t. At this moment, I do not have the phone number for the bank that issues the debit card for my Health Savings Account. I don’t actually know who issued the card. I don’t even know who I would call to report the card missing.
How do you prepare for that? What can you do do make your life much less miserable when your wallet walks aways with a pickpocket, or falls out of your pocket while you’re tooling down the highway on the back of a motorcycle doing 100 miles per hour, dodging the police and winking at the innocent passerby rocking out to really bad back-room country western music in a late model orange convertible? (That’s probably just me.)
How would you prepare for a lost wallet?
There is an 6 step solution to remove all of the worry about someone finding your wallet and using your credit card to fund a Russian adult chat membership, the only site where basement-dwelling losers can talk to someone pretending to be the cooperative mail-order bride they are about to order.
- Take everything that matters out of your wallet.
- Find a copy machine or a scanner.
- Put everything from your wallet on the scanner.
- Scan it.
- Flip the cards over and scan again.
- Either print the scan and put it in a fire-proof safe, or encrypt it and email it to someone you trust who does NOT live in the same house you do. If your house burns down, you want to have access to the files.
Depending on the number of things you keep in your wallet, you might have to repeat the steps a few times to get it all copied. You definitely want to copy both sides, so you can have the card numbers and the phone numbers saved.
Now, if you lose your wallet, you have all of the information you need to deal with the problem and get those cards cancelled.
How do you track your cards and contact information?
Nigerian Phishing Scams
phish·ing/ˈfiSHiNG/
Noun: The fraudulent practice of sending e-mails purporting to be from legitimate companies in order to induce individuals to reveal personal information, such as credit-card numbers, online.
Have you ever gotten an email from someone claiming to be a Nigerian prince trying to smuggle money out of the country, or the administrator of the South Sudanese lottery commission?
The emails tend to be similar. You’ve won the lottery, but need to pay the transfer fee and applicable taxes before the money can be sent, and by the way, they need your checking account information to transfer the money out of your account. Or, the elderly wife of the Reverend Saint Whateverhisnameis has the entireGDPof some small African country in her bank account that her dear, departed husband stole honestly, and she needs a trustworthy soul in the States to accept the transfer and your reputation proceeds you.
Yeah, people still fall for it. It’s called Financial Darwinism. Only the strong shall retire.
Yesterday(as of this writing, not as of your reading), I got my first-ever phishing phone call.
The conversation went something like this:
Worthless scum scammer: Hello, you’re schedule to receive a delivery at10:30 this morning and I need to verify your information.
Me: What delivery?
WSS: Is this Linda, L-I-N-D-A?
Me: Yes. (Please note, I am very much a guy and clearly sound like it.)
WSS: You buy international. I’m scheduling delivery. Are you at (lists house number correctly, but no street or city).
Me: What’s getting delivered?
WSS: A brand new Mercedes.
At this point, I wanted to play, but I had to get to work, so I hung up.
Worried that I may have made the wrong decision, I called my wife to see if she made a side trip to buy a luxury car while she was running errands last week, but she said she didn’t. I’m not sure I believe her. I think that it may have just slipped her mind.
It’s worrisome that some scammer call-center in Nigeria is buying lists of potential marks in theUS and calling them. I much prefer my scammers to send emails.
Have you ever gotten a 419 phone call?
5 Personal Safety Apps that Could Save Your Life
No one likes to think about the possibility of dying too young. But knowing that potential exists, you take the smart step of protecting those you love by carrying term life insurance. But what about preventing the worst? Did you know your iPhone or Android device can call for help or record vital information if you ever find yourself in a life-threatening situation? Here are five personal safety apps that could save your life.
1) myGuardianAngel
Once this app allows you to reach all of your emergency contacts with the push of one button. You enter the contact information for anyone you would want to get in touch with if you were in any sort of emergency as soon as you download it. If you are in an emergency, the app will call your contacts, send them an e-mail with your GPS location and immediately begin recording audio and video from your phone.
2) StaySafe
This app is good for anyone who works or travels alone. You can schedule the app to automatically notify friends or family after a certain period of time when your phone is inactive. For example, you can estimate how long you expect to drive from one location to another on your own and then the phone will contact someone automatically if you are out of contact longer than expected. That way your friends will know to send help because something is wrong, even if you aren’t in a position to contact them yourself. StaySafe sends your contacts a detailed GPS location for you so that they can easily find you and bring help.
3) RESCUE
This full-service app can help you on the scene as well as notify your emergency contacts for you. If you are in trouble, you can trigger the app to sound a loud alarm that might frighten off anyone who might be planning to do you harm. The alarm can also help someone find you if you are lost or unable to move from your current location. When the alarm is triggered, the app will also send immediate notifications to your emergency contact list so that they can begin to send help right away. Emergency services such as the police and fire department can also be set for notification through the RESCUE app.
4) Night Recorder
This is a good app to have when you need to make a quick recording of your surroundings for any reason. The app can be set to begin recording at a touch. If you are stranded, you could create a recording by speaking about the landmarks you can see and explaining how you got to your current location. The recorder can then send an email of your recording to anyone on your contact list.
5) iWitness
With this app, you can instantly make video or audio recordings of your situation so that there is a permanent first-hand record of everything that happens. It is a handy tool for anyone who has been in a car accident or involved in a medical emergency because you can go back and look at the video to see exactly what happened if there is any question about it later. The app will also contact emergency services or your personal emergency contacts if you are in trouble. The built-in GPS locator will transmit your exact location so that people can find you quickly and easily.
Post by Term Life Insurance News