Category Archives: About Me - Page 10

Choose Wisely,Your Future Depends On It.

Posted by on December 31, 2019 No comments

It’s an awesome time for me.  I finally get to restart my 401k!  It feels like forever when, at my last job, the 401k plan was terminated because of bankruptcy.  The new company offered a 401k, but I figured I was going to a new job very soon, so there was no sense in starting a new account for a few months of saving.  Then, my new employer brought me on as a contractor for six months, then required that I be there a year before starting a 401k.  So I guess it’s not forever, but probably close to two years.

And that’s a shame because those two years have been great for the market comeback.  But no sense in worrying about the past – time to plan for the future.  And this is where I discover some terrible truths.  I’m sure it’s not exclusive to my 401k plan; everyone must have this in some way.  The problem is, you have no idea where your money is going.

Now, I don’t consider myself a savvy investor.  I know enough to get by, but I don’t dig too deep.  My current, simple goals are to be in funds with a low expense ratio and a high yield.  I have decided to exclude any funds that do not build themselves.  In my closed-off 401k funds from previous employers, I watch the values go up and down, but the quantities remain the same.  My only hope is to sell when they are high.  Now, I want to see the quantities climb as well.

So with this goal, I study my options -and boy do I have options.  There are nearly 30 funds to choose from.  So, step one for a new investor is overcoming the sheer volume of choice.  I have dedicated tonight to be my night of research.  I then download the information packets for each fund.  I then discover that the info packet doesn’t have any real information.  It tells me the Morningstar Risk/Return, the past performance, the top holdings, and the breakdown of holdings by sector.  This doesn’t serve my needs.

So I search the internet for the fund name so I can get the ticker symbol and come up with no matches.  This is because the fund I am offered is a “fund of funds”.  This is how it is described:

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The Investment Information section tells you what funds this fund invests in.  And fortunately, it is only one fund, but it may be nested two levels deep, I don’t know for sure.  But searching on the inner fund gets me the ticker symbol and the information I need. So, step two for an investor is to research the funds within the fund being offered.

Again, I don’t consider myself to be savvy, but I can’t conceive an average worker going through these steps and understanding that terrible paragraph describing whatever it was.  To a further degree, I can’t even count on the ticker symbol giving me the info I need, because what I am able to purchase is just a wrapper for that fund.  There’s no guarantee I’m going to get anything out of it.  The inner fund price could have a price of $8/share and give a 3% dividend, while the wrapping fund could have a price of $12/share and not give any dividend.

This is why I’m devoting so much time to research.

A Christmas Burden

Posted by on December 28, 2019 No comments

As a collector of CDs, sometimes I fantasize about coming across an old collection that’s up for sale, one with lots of old and rare CDs in it, along with CDs that I would also want to listen to.  I’ve read about people having experiences like that – they’re not common at all.  But Sunday, I was fortunate enough to have one of my own.

I had planned to visit my local flea market that day to check out and maybe buying a dart set for fun.  I have a board set up in my garage, but I don’t seem to have any darts anymore.  So I visited the booth with the darts and because there was only one set available, I decided to hold off another week until he got his order with different models.  My flea market doesn’t have a resident “CD guy”, so I don’t stop in very often.  But I did feel like getting some walking in, so I wandered the halls.

I found a couple of temporary sellers with CDs, but their selection was terrible and in poor condition.  Another seller had like 10 CDs out.  Sigh.  But, leaving that seller’s stand, I saw a booth across the hall with a couple of larger CD racks.  I went over to see what was there.  Within 10 seconds of browsing the rack, I could tell this was a personal collection.  There were items there that I never see anywhere else.  In one rack, there was almost the entirety of the IRS NoSpeak series, something I had completed this year.  I could have saved quite a bit of money, here.

Alas, I didn’t find anything in the two front racks, but when I stood back up and actually looked in the booth, there were six more racks and a couple of boxes of CDs.  Oh my god, if it’s all the quality of what’s out front, I’m in trouble.

And without dragging it out, yes, it was and, yes, I was.  There were two criteria I was working with at this booth.  The first was looking for stuff I wanted (duh).  The second was looking for any smooth-sided cases, which would indicate early CD pressings.  In the first criteria, I found maybe 6 CDs.  However, when it came to smooth cases, this collector was seriously an early adopter.  I was pulling out CDs 2-3 at a time and stacking them up into multiple piles.

The total at the end was 62 CDs.  The lady charged me a whopping $55 and even was willing to take a credit card when I explained I didn’t have enough cash to cover the purchase.  I was willing to do PayPal or some other method to avoid her getting a fee, but ok.  She was very happy to move so many of the CDs at once, and I was very pleased with what I had pulled out.

Back at home, I stacked the CDs all up and began cleaning the cases.

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After cleaning them, which took a little over half an hour, I had to step away to let my mind think about what I had to do.  I broke the incoming items into three piles: things that were duplicates of what I already had (and might be upgrades), things I definitely wanted to add to the collection, and the rest was going to have to be evaluated to see if I wanted to keep it.  I ended up with 20 definite adds, 6 or so dupes, and the rest was left for later.  Then I had to take another break.

What we’re talking about here is listening to 50+ albums.  Even being really aggressive about it, listening to one CD on the way to work, one on the way back, and maybe one at night, we’re still talking almost a month of new music.  And listening to an album once isn’t always fair when choosing to keep it or not, and I do want to be fair.  That means a whole lot of music has been dropped into my life.

And that quantity of music is overwhelming.  Believe it or not, I haven’t listened to any of it yet.  You would think I would have immediately popped in a CD coming back from the flea market, but I was too shocked at my fortune.  When you have over 60 albums to listen to, where do you start?  The genres are all over the place, so I could get anything, really.  What a first world problem.

I pulled out the 20 albums that were on the must have list and got them logged into my Discogs account.  It put my collection’s Max total over $20k.  Obviously that’s highly optimistic, but it’s still a milestone.  I compared the dupes in my collection to the newcomers and only swapped one out.  The other 5 have to get compared and posted on my other blog.  So I have plenty of things to do ahead of me next week.

You Get What You Pay For

Posted by on December 28, 2019 No comments

In posts leading up to this one, I’ve been talking about my garage and new cars.  Well, I finally got the new car and got in it the garage, only barely.

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And I mean barely.  And with that car in the garage, there is no room for the other car.  I’m supposed to have a 2-car garage, and even so, I would classify the MX5 as a half-car, but still, there’s not enough room.  So that’s that.

Now, all about this new car.  As you see, it is a station wagon.  There’s only a handful of wagon models you can buy new in the US right now, and this particular one, a Buick Regal TourX, gets zero marketing and has zero recognition.  I saw this car once on display in a mall back in 2018, and have never seen one since.  So suffice to say, this is a rare vehicle.

The TourX is rare because it’s really low production volume.  There’s aren’t many buyers for wagons, so dealerships don’t order many and so no one ever buys them and the cycle feeds on itself.  When I decided on a car to buy – a wagon – I looked at my available options and this one was the most economical.  Well, it was economical for reasons relating to its unpopularity.  Dealers wanted to sell these things and not so they could order more; they just wanted rid of them.  In my own research, I saw that the 2020 model is coming soon and there are still 2018 models being sold new.

I haven’t purchased a car in nine years.  This time around, I utilized a car buyer service – a person who would search for my car, negotiate a good price, manage all the paperwork with the dealer and basically make the process as easy as possible for me.  When I first got started, I laid out all my criteria and within an hour, he had found me a car.  When he ran the numbers, I was pretty underwhelmed.

The TourX can run up to $40k with all available options, and that is what this particular car had.  So, $40k MSRP and with all discounts and haggling, I could get it for $35k.  After all the taxes and fees were added in, I would pay $38k.  I don’t know… I understand taxes and stuff, but a final price only $2k less than MSRP didn’t do it for me.  And it was about $6k more than I was willing to finance anyway.  So I turned it down.

The buyer went back to work and found another car with fewer options (but all the ones I wanted).  The MSRP was $38k, sale price of $31k, final price of $34k.  That was doable, so I agreed to the offer and we went through the complete sale process, which wasn’t all that bad.  The car was transferred from one dealership to another where I would actually make the purchase.  I gave it a brief test drive and no red flags were raised, mechanically.  The car did have roof racks, which I didn’t want, but I determined I could just uninstall them.  And after two hours at the dealership, I went home with a new car.

It’s been a couple days now, and some of the reality is hitting me.  The first weird thing I experienced was a warning popping up on my dash: washer fluid low.  Ok, whatever,  I can buy a $3 jug of fluid and top it off.  I would have assumed the dealer would have checked all that stuff during the “dealer prep” or whatever that BS service is.

When I popped the hood to fill the washer fluid, I was left aghast.  There were leaves all jammed up under the cowl.  Not just a few leaves, literal handfuls of leaves.  And the plastic shrouds throughout the engine bay were not just dusty, but had a layer of dirt on them.  This hood had not been raised in many, many months.  Yes, the exterior of the car had been washed and the tires glossed up, but there was no detailing of this car in any sense of the word.

As I was pouring the washer fluid in, my astonishment grew.  It just kept taking it.  I poured the entire gallon.  All of the washer fluid in the reservoir had evaporated in the time this car was sitting on the lot.  And the mass of leaves reaffirmed just how long the car was sitting idle and suggested it was not even stored on the primary lot, but in a grass lot back by a tree line.  I found out where the original dealer was located and did some quick math on the mileage for transportation and my test drive. I then determined this car had never been driven once.  It left that original dealer on its way to me with probably about 10 miles on the odometer.

This poor car.  It came to the dealer and was completely neglected for its entire life.  Yeah, yeah, of course cars don’t have feelings, but everything deserves a small level of care.  And a dealer should care for each and every vehicle in their possession.  These are going to be in someone’s family soon (or not soon in cases like this), and they deserve to be treated well until that time comes.

Now, I feel a little conflicted.  I mean, I got a great deal on a car – $7k off sticker price – and I didn’t have to deal with salespeople or haggling.  It was a very low-effort transaction and I can recognize it was probably a low-profit transaction for the dealer.  But at the same time, I still would expect one of the two dealers involved would have opened the hood and at least noticed the mess, or checked the fluid levels.  The bottom line is that I feel like I purchased a car from auction and not from a dealership.  Was I expecting to build a relationship with that dealer?  No way; they are 40 minutes away from my house.  I have dealerships closer to my home and my workplace I would utilize first.  Did I still expect to be wowed by the “new car purchase experience”, where I can show the car off to everyone?  Sure.  I mean, doesn’t everyone pop the hood and show off how clean and new everything is (instead of dirt, leaves, and a post-it note that says “do not turn off”)?  Show off every feature of the car like the power liftgate (which would reveal dusty and dirty rubber seals)?

But, I got a good deal, right?  Now I just need to spend some personal capital on a detailed cleaning of every inch of the vehicle.  Then the TourX will be mine and it won’t need to dwell on its miserable early life alone in a back lot.

Becoming A Network Executive

Posted by on December 24, 2019 No comments

It sounds so important.  I’m running a "network".  A network of blogs, that is.  That’s what WordPress calls it, anyway.  I have at this point, created the blog network on my web server and created each of the five individual blogs.  How did I end up with so many?  Oh, well, one is just the landing page, so I actually only have four blogs.  Still, it’s a network.  My blogus.

My installation wasn’t a success right off the bat.  In fact, it was very painful and has taken one of my blogs offline until the new network starts up.  Not really a big deal; it’s not like I’m Facebuuk.  But there was a lot of outdated software that needed to be updated and along the way it was just decided to remove it all and start over.  Then it was a matter of permissions, not that I should be complaining since my server hasn’t been hacked in the many years it’s been up and running.  Now it’s just a matter of content.

Getting the posts onto the new server is actually a very easy task.  You can export from one site and import to the other.  But then, all of the images of those posts still point back to the original places, in my case, wordpress.com.  So I will need to edit each post that contains pictures and switch out the image with a fresh local copy, which will upload to the new server.  It’s not such a bad thing, because a lot of my early posts didn’t give consideration to the way Live Writer handled images.  By default, it will create a link to the full-size version, so your media library gets a full-size image and a resized image to display in the post.  If you don’t need that, it’s just a waste of space and really clutters up your media library.  So I’ll be able to address that in my post revisions.

I’m going to lose a couple of things by moving to my own server.  On the plus side, I’ll lose advertisements, since I’ll be using my own server.  On the negative side, I’ll lose stats, which are really interesting if you have a popular blog, but are rather depressing if you don’t.  For better or worse, I fit in the latter camp, so my loss isn’t too bad.

You know, it seems like a holiday ritual for me to do some sort of revision to my website(s).  Maybe it’s the domain renewal that reminds me to look at what I have.  Maybe it’s the promise of a new year.  Maybe it’s the extra free time with the holidays.  Of course, this year I am on my own and just now I’m realizing, this website revamping is something I hadn’t done in many years.  Huh.

2020 – Taking Care Of Myself

Posted by on December 23, 2019 No comments

Technologically-speaking, that is.

A couple days ago, I got an email from the new owners of Flickr.  They were asking for money because they are losing money, despite their best attempts at making Flickr self-sufficient.  I use Flickr to host images for a few different purposes and over the years I’ve had a paid account with them on and off.  Currently, I’m off because I don’t need that much.  Their email sent me into an extended evaluation of self-sufficiency.  It’s pretty well-known anymore that if you want something on the Internet, you’re going to have to pay for it.  If you’re not paying for it, you really are paying for it in ways you may not be taking seriously. 

Having been on the Internet for a very long time, I’ve seen plenty of websites come and go.  Some of the changes have impacted me directly and others haven’t.  Some websites I’ve been forced off of (mostly Microsoft stuff), and some I’ve left voluntarily.  But in this new era of the Internet, I’m going to start viewing anything I’m getting for free as a potential risk.  You have to consider that at any time, it could be taken away from you.

So my first train of thought was, I’ll get a paid account at Flickr.  But then I thought, I am already paying for a web/email server already, why don’t I just use that?  Why don’t I use that?  Well, the primary reason is that images take up a lot of space and my server doesn’t have a lot of space to spare.  Just to verify, my server has a 60GB hard drive in it and I have 36GB free.  I’m so stingy, crying poor with bread in each hand.  But hey, 30GB can go FAST if you don’t watch out.  And my mentality at the time was to put the burden on other services where I could as long as it didn’t cost me.

So, I did some quick research to see if I could add more space to my server for the same or less than paying for an account at Flickr.  Short answer: no.  I could move up to a 60GB drive for about $120 extra a year.  That’s like 2 Flickr accounts.  So Flickr is still the better choice.  However, after reading some commentary online, I started to think, will it matter?  If Flickr is in financial trouble now and has been in trouble for a very long time, maybe it’s just time to call it a day.

Ok, so let’s have a look at exactly how much space I’m using here.  I downloaded all my Flickr images for my blog and that’s 20mb.  I looked at the images in my media section for this blog and it’s about 30mb.  I have less than 100mb of images and I’m worrying about blowing 30GB of space?  I’m so pessimistic.

Knowing I have so little media on my blogs, I could just host it with WordPress.  WordPress offers 3GB of media hosting per account and I wouldn’t be even close to touching that on either blog, so that’s a viable option… except, WordPress is a free site.  That’s what I’m trying to get away from.  Granted, I’ve never heard that they have ever been financially strapped, so bravo for them.  Still, the Internet is evolving, what is true today may not mean anything in a couple of months.

So again, that points me in the same direction I was looking at earlier.  Hosting the blogs, with all their respective images on my own server.  They will certainly fit in the 30GB of space I have available.  The one thing I will lose is the power of the WordPress domain name and the followers/community that goes along with it.  The other thing I’m going to lose is all of my content when I die.  When I die, my web server isn’t going to get paid for anymore, so it will all go goodbye.  It’s actually kind of comforting in some ways, that whole "right to be forgotten" stuff that’s big in the EU right now.

So that’s the plan for 2020, moving on.

A Christmas Burden

Posted by on December 16, 2019 No comments

As a collector of CDs, sometimes I fantasize about coming across an old collection that’s up for sale, one with lots of old and rare CDs in it, along with CDs that I would also want to listen to.  I’ve read about people having experiences like that – they’re not common at all.  But Sunday, I was fortunate enough to have one of my own.

I had planned to visit my local flea market that day to check out and maybe buying a dart set for fun.  I have a board set up in my garage, but I don’t seem to have any darts anymore.  So I visited the booth with the darts and because there was only one set available, I decided to hold off another week until he got his order with different models.  My flea market doesn’t have a resident “CD guy”, so I don’t stop in very often.  But I did feel like getting some walking in, so I wandered the halls.

I found a couple of temporary sellers with CDs, but their selection was terrible and in poor condition.  Another seller had like 10 CDs out.  Sigh.  But, leaving that seller’s stand, I saw a booth across the hall with a couple of larger CD racks.  I went over to see what was there.  Within 10 seconds of browsing the rack, I could tell this was a personal collection.  There were items there that I never see anywhere else.  in one rack, there was almost the entirety of the IRS NoSpeak series, something I had completed this year.  I could have saved quite a bit of money, here.

Alas, I didn’t find anything in the two front racks, but when I stood back up and actually looked in the booth, there were six more racks and a couple of boxes of CDs.  Oh my god, if it’s all the quality of what’s out front, I’m in trouble.

And without dragging it out, yes, it was and, yes, I was.  There were two criteria I was working with at this booth.  The first was looking for stuff I wanted (duh).  The second was looking for any smooth-sided cases, which would indicate early CD pressings.  In the first criteria, I found maybe 6 CDs.  However, when it came to smooth cases, this collector was seriously an early adopter.  I was pulling out CDs 2-3 at a time and stacking them up into multiple piles.

The total at the end was 62 CDs.  The lady charged me a whopping $55 and even was willing to take a credit card when I explained I didn’t have enough cash to cover the purchase.  I was willing to do PayPal or some other method to avoid her getting a fee, but ok.  She was very happy to move so many of the CDs at once, and I was very pleased with what I had pulled out.

Back at home, I stacked the CDs all up and began cleaning the cases.

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After cleaning them, which took a little over half an hour, I had to step away to let my mind think about what I had to do.  I broke the incoming items into three piles: things that were duplicates of what I already had (and might be upgrades), things I definitely wanted to add to the collection, and the rest was going to have to be evaluated to see if I wanted to keep it.  I ended up with 20 definite adds, 6 or so dupes, and the rest was left for later.  Then I had to take another break.

What we’re talking about here is listening to 50+ albums.  Even being really aggressive about it, listening to one CD on the way to work, one on the way back, and maybe one at night, we’re still talking almost a month of new music.  And listening to an album once isn’t always fair when choosing to keep it or not, and I do want to be fair.  That means a whole lot of music has been dropped into my life.

And that quantity of music is overwhelming.  Believe it or not, I haven’t listened to any of it yet.  You would think I would have immediately popped in a CD coming back from the flea market, but I was too shocked at my fortune.  When you have over 60 albums to listen to, where do you start?  The genres are all over the place, so I could get anything, really.  What a first world problem.

I pulled out the 20 albums that were on the must have list and got them logged into my Discogs account.  It put my collection’s Max total over $20k.  Obviously that’s highly optimistic, but it’s still a milestone.  I compared the dupes in my collection to the newcomers and only swapped one out.  The other 5 have to get compared and posted on my other blog.  So I have plenty of things to do ahead of me next week.

Sleep On

Posted by on December 10, 2019 No comments

Last night I was lying in bed having a hard time sleeping.  Sleep is something that has been a little difficult for me lately.  For a while, it was a 2-3 hour event each night.  Then I started taking melatonin and things started getting better, except on weekends, I could sleep 14 or more hours.  So, I don’t know if that’s progress or not.  There’s two issues with my sleep – getting to sleep and staying asleep.  Admittedly, last night was pretty good on the second part, despite being tough on the first.  But anyway, while I was working on making the first part happen, my brain was busy doing dumb things. 

I have a sound machine, a LectroFan, which I’ve mentioned here before.  It’s an excellent device that doesn’t suffer from the shortcomings of a lot of other sound machines, which is sampled sound looping awareness.  The LectroFan model I use now is the latest model, which added a couple of new sounds: ocean.  That is the specific reason I bought it and to my disappointment, the sounds were a major letdown.  Essentially, they were a white noise sound fading in and out.  That’s not what surf sounds like at all.

So my brain was trying to figure out how to make a surf sound out of white noise.  Obviously, there’s lot of different frequencies to a wave crash.  There’s low end rumble and crash, there’s high end hiss, and there’s everything in between.  I was visualizing splitting a sound sample into four (or maybe more) frequency bands and making note of the amplitude level of each band.  You could see when the low frequencies moved in and out, when the high end would come in, and so on.  Then once you had these patterns, you could layer multiple white noise samples over each other, fading between the multiple layers to create a surf sound.

I ended up falling asleep to one of my favorite fan sounds on the LectroFan – a big, low, bassy humming fan.  But while I was actively listening to it, I was also thinking of what would really work for me.  It’s kind of odd and pretty personal, so I can’t imagine it would be a universal sound for a sleep machine.  I would like the sound of traffic on a highway, possibly with or without the sound of an air conditioner.

It’s a weird request.  Its origin comes from motels in my childhood vacation memories.  Those huge AC units that would fill the lower part of the front window and pretty much vibrate the entire room.  And the never-ending sound of traffic on the nearby highway, droning on all night.  I can’t fully explain how the sound of traffic is calming to me.  I’ve thought about it many times over my life and the only thing that really captures my thoughts on it – even though it sounds over-romanticized – is that it’s comforting to me to know the world hasn’t stopped; life is still going on.  Like sometimes, I’ll see an airplane and I’ll think about all the people in that plane – where are they going?  Is it an exciting trip?  Are they glad to be going home?  Going away?  Is it work?  Exciting meeting?  Dreaded meeting?  Boring conference?  So many people in one container, all with different destinations and expectations.  So yeah, I guess the sound of airplanes could also be calming for me.

That would be a weird sleep machine, indeed.

Revelations

Posted by on November 21, 2019 No comments

It was almost 3 years ago that I really started to rebuild my interest in having a home stereo again.  I had purchased a cheap stereo from a thrift store.  That stereo only had a cassette player.  Then, I followed that purchase up with a $10 CD player from another thrift shop.  At that point, I should have been done, and should have been happy to spend so little money on a stereo.  The alternative I had planned was a new system – amp/CD/speakers – on the order of $1200 or so.  My cheap CD player, paired up with the powered studio monitors I’d owned for many years, was a really good sounding little system.  At least that’s what I thought.

In the time since, I have bought other cheap CD players at thrift stores.  The reason for this was for experience.  One experience was the restoration and repair of the devices.  Of my purchases, one repair was successful, one wasn’t, and the latest one didn’t need any work at all.  The other experience was more audiophilic.  People that review stereo equipment have the ability to grade and rank such equipment and that’s really something the average person can’t really do.  No one goes out and buys five different CD players at $300-$500 just to compare how they sound.  But if the players are $10 each, well, that reviewing experience becomes just a fun little hobby.

The first player in my collection is an Onkyo DX-701.  It was made in 1992.  Being the first in my collection, it was my unofficial standard.  When I first set it up, I was thrilled with it.  it did exactly what it was supposed to do, play CDs.  For $10, it was all I needed.

The next player I got was a Scott DA980, in April 2019.  It cost all of $7.  There’s not a lot of information out there about this player, but its manufacture date is June, 1989.  It appears to be a Yamaha-manufactured device rebranded by Scott.  Unfortunately, it needed some work and I got my first experience repairing a CD player.  Comparing it to the Onkyo, I really liked how smooth and silent the loading tray was.  But what I should have really focused on was whether it sounded better.  To be honest, I couldn’t tell.  And that really disappointed me.  I thought I would be able to notice some difference, but I didn’t.  So at that point, I assumed that “digital is digital” and all decent CD players sound the same.  So then, I wouldn’t really need to focus on sound quality, but more on features.

Then, this month, I found yet another cheap CD player.  It was a Technics SL-P220.  It was marked at $16 and I happened to buy it on a 50% off day, so it cost me $8.  My luck in CD player purchases is remarkably consistent.  This player didn’t need any repair, just some cleaning.  Well, some of the cleaning was technically repair because the control buttons were intermittent.  I am a fan of the Technics brand.  It was the brand of the stereo system in my youth.  This player came out just about the time CDs were hitting the mainstream.  Just about the time I experienced my first CD at my friend’s house.  This is the oldest of the three players (June, 1987) and being that old, it would be expected to have the least refined technology for decoding digital audio.

When I did my first test play with the Technics, it was kind of a surreal experience.  It sounded different.  Way, way different, in a good way.  I put identical CDs in the Technics and the Onkyo and played them together, then switched back and forth to determine the difference.

And here’s where the difficulty begins.  When you read stereo reviews, you will usually find yourself rolling your eyeballs at the descriptions the reviewers use.  In fact, you will probably internally smirk at anyone that tries to describe the qualities of sound.  It’s just something that can’t really be done.  In my case, the first thing I thought of comparing the two is that the Technics was “brighter.”  And that’s a fair description.  Most people can determine bright sound vs dull or flat sound.  This is probably also what experts mean when they say “digital-sounding”.  But who knows?  What does digital sound like?

So, I had a word that I could use to describe how the Technics sounded better to me (that’s important).  But as I listened to it more, there were more differences and those were more painful to describe because it made me sound like a pompous high-end stereo reviewer.  I’ll not get into those descriptions and just say it sounded much, much better to me than the Onkyo.  As I always do when I get a new piece of equipment, I search for anyone talking about it.  And I found only two mentions of the SL-P220, one saying it was great and another saying they replaced it with something that was substantially “better”.

Here’s the thing for me.  This latest player has changed my interest in listening to music.  I’m now excited to hear music from it.  It has the same magic as when I first heard the albums decades ago.  This is something the other two players didn’t do for me.  It’s revelatory.  I’ve read over and over that you have no idea what you’re missing until you hear the music you love on a good system.  But… this is an early player and even at that, isn’t a top-end model, just standard-grade.  It’s a $300 player back in the day which was average.  And, considering what I hear and what experts say, this is an example of poor early-era digital reproduction – tinny, thin, bright, “not analog sounding”, blah blah blah.

So fucking what!  The Technics sounds incredible to me and when I try listening to the Onkyo afterwards, it sounds dull and lifeless.  So if I like the sound of bright digital, why should I be ashamed of it?  So yes, I have a new favorite CD player and it’s my new benchmark.  It’s not going to stop me from buying more cheapo players and comparing them.  Maybe I’ll find something even better.

Losing For Winning

Posted by on November 1, 2019 No comments

There are some people who are professional sweepstakes players, believe it or not.  They spend an unnatural amount of time researching and entering sweepstakes.  And they can actually make money at this, too.  Or at least get a lot of stuff.  You might wonder how you can actually “win” at this.  It would just seem to be a numbers game where you enter as many sweepstakes as you can and eventually you’re bound to win something.  But there’s actually a somewhat unknown rule that the pros use to get an advantage. (one weird trick!)

Most sweepstakes have some sort of condition for getting an entry.  Buy a bottle of this, visit such and such place, every order you place on this website, etc.  But, in all sweepstakes, there is a way to get an entry without making a purchase or performing some action – it’s legally required.  If you read the rules, they will tell you how to get a free entry.  Always read the rules.  In most cases, you have to send a 3×5 card with your name and address printed on it and they will return you an “entry”.  Some sweepstakes limit the number of entries an individual may make, most don’t.

I’ve attempted this technique once a few years ago.  A local charity was selling tickets for your choice of two cars.  The tickets were expensive, like $150, and the total number of entries was limited – a rare situation and very valuable because you knew your maximum odds of winning.  And like all sweepstakes, you could get free entries if you read and followed the rules.

I bought two tickets, to keep up appearances, but I then deluged them with something like 100 requests for entry tickets.  They did fulfill my requests, sending thick bundles of tickets in the mail with their drawing receipts torn off.  In the end, I estimated I had a 20-25% chance of winning.  Does that sound bad?  Does it sound better than a 1:2000 chance? (these numbers are all estimated, BTW, don’t try to math them out)

Well, I didn’t win, even with my extraordinary chances.  Whatever, it was kind of a fun exercise.  The local charity has never tried a car sweepstakes since, so I think I really pissed them off.

So anyway, I got a flyer for another car raffle.  $20 tickets, and the rules do say no purchase necessary (as they must), however, they don’t specify how to get those entries.  You have to mail the administrator for information.  This sounds pretty good, too, because that extra step might turn off casual players.  But when I look at the effort vs reward, I’m going to pass on it.  Would you pass on a elevated chance to win a $60k truck?

So, first of all, it’s a truck.  It’s a stupid, jacked-up, fully customized pickup truck.  Not my style, at all.  So what!  Sell it!  Ok, let’s consider that.  First, winning the prize is a taxable event.  The IRS is going to want their share of your $60k windfall.  Let’s generalize at a 30% bracket.  So that’s $18k out of pocket right away.  You need to have that to claim the truck.  Then there’s tax and title.  That’s about another $5k.  Probably you need to insure it for at least a month until you can sell it.  Maybe that’s $100 at most.  So in order to get the $60k truck, you need to spend $23k. 

So then, your new $60k truck rolls off the dealer lot and immediately becomes a used truck.  And it’s worthwhile to note that this is a 2019 model and the drawing is in 2020, making it last year’s model.  Everyone knows a vehicle loses an immediate percentage of its value when it leaves the dealer lot.  Considering this is also last year’s model, shall we say 25%?  Now your truck is worth $45k and you’ve spent $23k to acquire it.

Your truck is worth $45k, but that is not exactly what it would sell for.  You’re in a hurry to sell this so you don’t have to keep paying for insurance on it.  Will it sell for $40k?  Let’s say yes, so we can wrap this up.  So you’ve now made a $17k profit on a $60k vehicle.  That’s quite a discrepancy.

“You suck.  I’d be more than happy with an extra $17k!”  Maybe you would.  But you also need to consider that you added $60k to your gross income this year with that win.  That might push you into a higher tax bracket.  That means the money you earn this year is going to be taxed at a higher rate, more than it would have been had you not won.  17k worth of higher taxes?  Probably not, but your withholding from your paycheck is probably not going to compensate for that extra, so you better save some of that $17k to cover your tax bill next year.

There’s something to be said for thinking things fully through.  In the case of the first drawing for the car, I would have kept and driven that car (not a $60k car, either) and could have absorbed the taxes easily.  This $60k truck has a lot of BS accessories on it that are inflating the value that would never make back their cost if it were to be sold.  It’s a bad deal all around.

I See Dead People

Posted by on October 28, 2019 No comments

There are some weird things that happen to me while I sleep.  Those that believe would instantly identify it as clairvoyance, and I’m inclined to agree.  However, when people think of being clairvoyant, they think it’s some superpower and you can simply teleport wherever you want and do whatever you want.  In my experience, it’s nothing like that.  You’re not really in control, it’s just like life; you aren’t aware that you are somewhere else or somebody else.  I have three memorable instances, one of which is personal, but the other two are not.  And those two, in true October fashion, are spooky.

The first one (which is actually the second time this happened to me) was a dream where I was walking in the woods.  I can still see the scene in my mind.  I know just how the terrain was.  if I visited the area, I would recognize it.  I was alone and was walking along a very slight hill.  Then, further down the hill, I saw a bear.  Naturally, I was freaked out, but I knew that I had to remain calm because if I suddenly bolted and ran, the bear would give chase.

Unfortunately for me, the bear had noticed me too.  I started walking calmly in a diagonal direction away from the bear, not backwards.  I did not turn my back to the bear because I knew that would be deadly.  To my horror, the bear started walking in a line that would intercept my path.  I couldn’t turn and run; I couldn’t really change course.  It was obvious what the end result was going to be.  And soon, the dream ended.

Imagine my surprise when a couple of days later I saw a news article about a hiker killed in a bear mauling at a park.  And it happened on the same day as my dream.  Pretty coincidental, right?  The article stressed how rare and uncommon bear maulings were.  Makes it seem a little too coincidental.

The other night, I had another “dream” while falling asleep.  No idea why this came into my head, but I was thinking about going overboard on a cruise ship.  One memory was that I slipped on the deck and slid through the railing and over the side.  Another memory was that I was yelling “overboard” and wondering if I should yell “man overboard” if a woman had gone over.  I recall throwing a safety ring and wondering if doing that was even useful because the ring had a rope attached, so it would just be dragged along with the ship, away from the victim.  My last thought was throwing some life jackets from the storage bins on the deck.  Then I started wondering how I could give a report of this incident.  I wasn’t sure if “Port side” was the left or the right of the ship.  And then the dream ended.

And the next morning, I saw a news article that someone had gone overboard on a cruise out of Texas overnight.  What another coincidence.  Unlike my bear dream, where I read about it a couple of days later, this was just the previous night.  Sure, people fall off ships all the time.  And speaking of time, the emergency call to the Coast Guard was at 8:45 at night.  I normally go to bed around 9:00 or so and usually flop around a lot before settling down enough to sleep.  So that would suggest my dream wasn’t real-time and would actually be a recollection.  However, that’s 8:45 Central Time in Texas, and in my time zone, it would be 9:45, just about the time I would be falling asleep.  Was I the guy sliding off the deck?  Was I the person calling for help and throwing things off the ship?  Was I there while this was happening?

So what if this is a real ability?  Is it useful?  Is it enviable?  Not that I can see.  First, it’s not controllable; it’s totally random.  Second, there’s no context of anything.  I wouldn’t be able to call a park ranger and say, “Someone was killed in your park yesterday by a bear.”  What park?  Where?  How do I even know it was real?  It’s only useful in hindsight, when you can’t have any impact on the situation.