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Time and Money and Pots and Trees

Posted by on March 18, 2015 No comments

So the last few months have been spent in what I’ve been calling “austerity.”  The trick is, you give something a somewhat clever name and you will get more enticed to see it succeed.

But the end result has been positive.  Prior to starting this exercise, I was blowing my budget on my credit card spending.  Usually, that’s not bad because the budget isn’t the full amount I have available.  Then I started blowing through that buffer and had to start drawing from savings.  That wasn’t as bad as it could be because I had some silent transfers into the savings account.  But it was bad.  My savings account balance was about cut in half and I began to get worried.

However, at the same time, I paid off the car loan and did a refinance on my second mortgage, so that was two monthly payments that immediately went into savings.  Then I went hard-core and eliminated all extra spending except for food and gas.  That has been very productive.  I’ve been slowly draining my savings account for probably a couple of years now, and even with the replenishment I’ve been doing lately, it’s still at only 50% of its peak value.

Right now, I can see the future balance forecasts and they look great.  I look at the amounts being deposited and I think, “I could be buying (this gadget) every paycheck with that money.”  And somehow, that really puts things in a sad perspective.  Every paycheck, I could be buying some neat new toy.  One thing, for all that money.  That makes it seem like I’m not saving that much at all.  Then you all all those together and it’s like, “that’s really not a lot of money at all.”

Wait a minute.  I had a spending problem where I persuaded myself that I wasn’t spending a lot of money, now I have a savings problem where I feel like I’m not saving a lot of money.  What a mental mess this is.  So let’s look at it from another perspective.

They say you should have 6 (used to be 1, then 3, now 6) months worth of income saved for emergencies.  So right now, I’m at almost 3 months. To get to 6 months savings, it’s going to take maybe another 4-5 months of my current effort.  What’s that say?  I’m saving 33% of my pay by “hiding money” and another 14% in voluntary savings.  My fixed expenses are about 25% of my net pay a month.  Almost half my pay is being saved.  I shouldn’t feel bad about that at all.

So why do I feel bad?  Is it the watched pot never boiling?  Is it a case where I can’t see the forest for the trees?  Is it a psychosis like washing your hands over and over and never believing they’re clean?  That’s what I’m worried about.  I have to keep reminding myself things are good and I’m on track.  But does that mean I can give myself permission to spend?  And then what?  Will I fall back into my over-spending habits?  I have a big list of things I want.  I don’t need any of them.

We’ll revisit this in a couple of months.

Bagtastic

Posted by on March 18, 2015 No comments

The Internet is great for shopping, except in two specific cases, when you want to touch something and when there’s too many choices for an item.

Recently, I was in Target and in the checkout line, I saw they had reusable shopping bags.  They had the typical fake-cloth bags, and they had a canvas bag as well.  I picked up one of those canvas ones and the cashier was like, “No, those are $5. the 99 cent ones are the red ones.”  And I was thinking to myself, “but I like this one…” And I ended up buying it.

It’s a really nice bag.  It’s soft and roomy and it has a hook loop for hanging it up and it has eyelets that I just realized would be used to hold it upright in a bagging rack.  It’s a good design.

So I thought I would try to find some others like it to replace my cheaper, branded grocery store bags.  And this one is branded, too, so it’d have to be a Target-only bag.  I’m a little weird about using other people’s bags in a store.

Well, thank you Internet for giving me so many choices.  Add to that the deceptive descriptions.  Search for “cotton” and you get cotton-poly.  Search for “canvas” and get plastic canvas.  Search for “tote” and get purses.  Search for “shopping bag” and get a ton of marketing and printing company ads.

And on top of all that, I have no idea what the quality is like.  You can’t feel the fabric, you can’t see the stitching, you can’t make any quality judgment from a picture.  This is just one of those cases where you need to buy it in person.  But of course whatever store you are in is going to sell their bag with their brand on it.

So I did something quaint and old-fashioned.  No, I didn’t go to a physical store.  I searched for a company that specialized in cloth bags instead of just relying on good old Amazon.  I found a company that manufacturers cloth shopping bags and their prices are completely reasonable. 

Now, I have the dilemma of choosing to spend money when I am still in austerity mode.  Like I keep reminding myself – it’s something I want, not something I need.  And that’s something that takes real effort.  “Oh, it’s only $25.”  And I’ve used that rationalization about things for much more and much less.

In Time For Thanksgiving

Posted by on October 28, 2014 No comments

I’m starting to make some steps forward with phase two of my CD collection plan – scanning the artwork.  I did a couple trial runs on an old scanner at the house and it was way too much of a headache.  So yay, I get to buy more stuff.  A new scanner, but not such a big expense.  $65.  I can’t believe how cheap that tech has gotten.

While preparing for that effort, I researched communities that I could benefit with my efforts.  I found one that was appealing, if just a touch elitist.  When I went to sign up, I took the time to read their terms of service.  I didn’t like what I read.

In summary, when you upload to their site, they become the owners of the content.  Further, they insist that they will be the only source for that content.  You can’t post your artwork anywhere else.

First off, let’s just make it clear that it’s very odd to be discussing who “owns” owns a replica of a copyrighted work.  But, ignoring that for a moment and moving to a secondary “IP market”, let’s think about what this ToS means.  I “created” the work with my effort of scanning and cleaning and when I upload it, I effectively lose ownership of that work.

Yeah, yeah, it might be standardized language.  But there’s other standardized language that is more lenient.  Something like: By uploading, I am granting an unlimited license for the site to use my work however they want.  In that case, I retain the original rights (yeah, of a copyrighted work; just ignore that…).

So my problem with the site is that they are taking my work and making it their own.  It’s Christopher Columbus on the Internet.  Why should I be outraged?  Tons of websites have a similar model.  Or do they?  The first thing I’m thinking of is Huffpost, that site that pays people in “exposure”.  But even there, after reading their ToS, you grant them rights to use your submission any way they want, even through derivative works.  And, you still own your stuff.

That thinking and research made me start questioning the entire publishing for exposure model.  If you create something awesome and it gets posted on HuffPost, and gets scooped up by multiple news outlets (licensed? paid-for? maybe.), what do you get out of it?  Your name is attached to it, but does that really help you?  There’s just so much happening.  You would have to repeat that success over and over to get recognized as consistent talent.

I’m much more agreeable to the “toss it to the ether and let other do what they want with it” ideal.  So, my choice is not to affiliate with any artwork website, but to use Flickr.  Hypocritical?  All I’m doing is providing great content to a huge corporation.  Yes, but, all I want from them is hosting space.  If someone wants to use my cd scan for an ebay auction, great!  I would encourage that.  See, it’s not about just making your world better – which I’d already have done for my own cd collection – it’s about making everyone’s world better.

A Troubleshooting Challenge

Posted by on September 8, 2014 No comments

You have to love troubleshooting.

As a mentioned earlier, I’m doing a hard drive update on my Zune to bring it up to 120gb.  In the first chapter of this crazy process, I simply bought a 120gb 1.8” drive that was supposed to be IPod and Zune compatible.  I got the drive and prior to installing it, I erased the Zune completely, firmware and all.

After installation, the Zune wanted to be connected to the PC to install the new firmware.  After doing so, the Zune software registered a hard drive problem – not enough space on drive.  Hmmmmmmmm.  After thinking about it for a while, I considered that the base level of firmware back when the Zune 30gb came out might not support a 120gb drive, since they didn’t exist at that time.  So I thought I should bring the firmware up to the most recent, then install the new hard drive.

I put the old drive back in, upgraded the firmware, then put the new drive in and restarted.  Then I get a obscure (and yet common) error code.  So I think some more.  The new hard drive is a different brand – Samsung instead of Toshiba, and it uses more power – 4v instead of 3.3v.  Maybe it’s the drive that’s just incompatible?

So, I order a second drive, a Toshiba this time.  Without erasing the firmware, I install the drive.  The Zune boots to a “Please Wait” screen.  I wait for a few minutes and decide it’s not doing anything.  I power the Zune down, check the drive connections and start it up again.  Same screen.  I look online and the Internet says that that screen is shown during drive format and initialization (Do not disconnect or turn off the device).  Oops.  So I leave the Zune plugged in overnight.  The next morning, I left without remembering to check the status, so it ran all day while I worked.  When I get home, no progress.

I put the old drive back in and everything works just fine.  I put the new Toshiba in again and it doesn’t.  I put the old drive in, wipe out the firmware, put the new drive in and I get stuck at the “Please Wait” screen. Hmmm. The Samsung got past that screen but failed when writing the firmware.  The Toshiba doesn’t get past the drive initialization.  It’s actually a worse situation.

The next step of my troubleshooting is going to be at a lower level – the drives themselves.  One possible theory is that the drives can’t be formatted because they are not partitioned.  The company that sold me the drives may have run a diagnostic test that erased the drive’s file system.  So, I’ve ordered a ZIF to USB adapter so I can connect the drives to my computer and verify for myself.  Maybe I will need to create a partition and/or format the drives myself before installation.  As a side project, the adapter would let me see what kind of files are saved on the Zune itself.  That could be interesting information, too.

Running cost for this project: $70 for the two drives, $10 for the adapter.

The Next Big Thing

Posted by on August 24, 2014 No comments

Surprise obsessions are a difficult thing for me.  I started last week on a sudden quest toward a dual purpose.  Like many other inspirations of mine, it’s a race to finish the quest before the desire runs out.

I’m actually not sure where the spark came from, but it’s been something lingering inside me for a very long time.  The end result will be this: to own a complete collection of albums published under the MCA Master Series label and secondly, to create framed artwork of the album covers for my walls (copyrights be damned).

Let me explain the history of my experience with MCA Master Series.  When I was in my impressionable youth, I had acquired a home stereo, which had the new-fangled tech of the day – Digital Compact Disc – and I was building a CD collection of my own.  My stereo was monstrous, like most probably were at that time.  A full component system with receiver, dual tape deck, CD player, and the requisite 4-ft tall, 15”-woofer stereo speakers.

Around that time in my life, I was trying to figure out “who I was” and “who I wanted to be”.  One thing that I thought I wanted to be was “high-class”.  That didn’t necessarily equate to “rich” but more about appreciating art and music beyond the standard radio fare.  Let me quickly find an image that sums up my youthful vision…

…well now.  That was not a quick search at all, and this isn’t even what I think I originally had in mind, but:

image

That’s more or less what I imagined, reclining on crazy-modern couches and listening to… what?  Something pretentious classy, sure, but what was that?  I hadn’t found it yet.

As luck would have it, around that time, the MCA Master Series was releasing albums, and because I lived in a tiny dump of a city, no one would ever buy that stuff, so it ended up in my music store’s bargain bin – my default shopping section.  The first album I bought was Edgar Meyer – Dreams of Flight.  I was incredibly attracted to the cover art, because it looked as modern and abstract as I imagined my future listening room would be.  The music was clean and clear, jazz/classical, and I grew very fond of it.

Also around that time, I had read some articles mentioning the band Acoustic Alchemy and I noticed they were on the same label as Edgar Meyer.  A nearby pawn shop supplied me with these and many more of the MCA Master Series catalog.  All were enjoyed (except Booker T Jones, which is the only one I now regret throwing away) and are in my current collection.

Fast-forward to recent days and I’m finding a nostalgic desire to have that innocent dream of what my future could be – relaxing in a modern sofa (which I do have, now), listening to New Age/Jazz/Classical on a high-end audio system, maybe reading some e-books.

My adult sense of appreciation enjoys this music label for another reason.  When you put all the albums together, you have a incredibly cohesive marketing design.  There’s really something to be said for that, and it’s something that I feel might be lacking today.  Because I know the MCA Master Series is all high-quality, I can scan a rack of CDs looking for their consistent design and find something in a flash.  Using the same fonts on every album, with a dash of color for uniqueness, was a genius move.  You can see the same marketing technique if you are a Telarc or Rykodisc fan – just scan for their logo in the spine.  Windham Hill is another example, as well.

Back to the story, I’ve been hammering online sources and local sources for these really old, out-of-print CDs (yes, 30 years!).  I don’t want any reissues, if they exist.  I want these albums for the original artwork as much as the music.  Less than a week into my mission, I have purchased six missing albums.  Right now, I have 13 out of out of 43, with 4 en route, leaving 26 left to find and purchase.  I’m estimating at least $150 to finish out this collection.

What will that mean?  I’ve talked about collections again and again in my blog.  And the truth is still there.  This collection will mean nothing to anyone else but me.  But let’s discard that fact and think about phase two of the plan.  Scanning the album covers and getting them printed and framed as artwork.  Granted, some of the covers aren’t really suitable for framing, but many of them are.  Framing 43 covers?  Gah!

I’ll have to post some updates as I progress through this collection growth.

Random Pieces

Posted by on July 10, 2014 No comments

Recently, Flickr, which is part or Yahoo, decided they were going to do away with integrated authentication (OAuth, SSO, whatever you want to call it), meaning you had to have a Yahoo login instead of logging in with a FaceBook or Google account.  Curiously, Microsoft Live wasn’t included in the SSO program, even though Yahoo has a good working relationship with Microsoft.  But none of that matters now.

Predictably, people are up in arms that they have to have a Yahoo login.  I’ve had a few Flickr accounts over time, two still current, but will probably drop down to just one.  That remaining one was integrated with FaceBook, so I had to go through the process of creating a new Yahoo account.  I didn’t like doing it, but what I do like is having 1TB of free picture hosting that I can access via API.  Let me explain that value a bit more.  Hopefully, Yahoo doesn’t read this post and figure out how to stop it.

I have a virtual server with GoDaddy that I can use to host whatever web sites I want.  It’s certainly not the fastest server in the world, but then again, I don’t host the biggest sites in the world.  As part of this bare-bones plan, I have about 30GB of drive space, 20 of which is used up by OS and system applications.  So, space is definitely at a premium. 

If I’m going to host a web site that has a photo gallery, which I do as part of a side project I’m involved in, things get a little tense.  But, with a little clever coding, I can host all the photos on Flickr and use their API to display the albums and photos on my website.  You’d never even know the images are on Flickr unless you look at the URLs, and what normal web user does that?  So, even with a free account, you can have 1TB of photo hosting – with no advertising.  Sounds a little too good to be true.  But I’m grateful.

And for that one reason alone, I can tolerate having a Yahoo account.  And I’d have to tell any of the people all upset about having to create a Yahoo account:  You’re late to the game, guys.  Flickr used to have its own login before Yahoo bought them and before SSO became a “thing”.  Would you have been upset that you had to create a whole new Flickr account to use their service?  Of course not.  Get over it.

In other news, for the afore-mentioned side project, I just purchased a vinyl cutting machine and heat press machine.  It seemed like a good purchase at the time because of all the team jerseys that were always needed on short notice.  And also, I am a big proponent of doing as much myself as possible.  When you control everything from end-to-end, your costs and timelines are more predictable.  (It’s almost like dropping login support for other parties and doing it all yourself, eh, Yahoo?)  Outsourcing the printing of the jerseys had previously resulted in different costs, sometimes due to rush jobs, sometimes due to the printer’s whim.  One job resulted in an incorrect name printed, with no time for correction since we paid out the nose for rush processing and shipping anyway.  So bringing the shirt printing in-house was, to me, the best solution.  Par for the course, both machines had to be rush shipped so we had enough time to print jerseys for the next game.  Even so, buying entry-level equipment only cost about $600.

Now that I own this equipment, there is a serious potential to make that money back and then some.  I have to say, the setup and operation of this equipment was really simple.  If you can: use any graphics program, print a document, follow directions, and count, you can probably run a t-shirt business.  And I have to say, watching a vinyl cutter, which is just a plotter with a knife instead of a pen, is mesmerizing.

Back Into Music, Do They Still Make Music?

Posted by on June 25, 2014 No comments

Like the changing of the seasons, it’s time to cycle back into music-making.  It’s been quite a long time since I’ve had any major interest in it.  I guess mostly because I haven’t felt like I’ve had any time.  Everything seems to be experienced in small doses here and there, and when I take a long time to sit down with an idea and try to expand it, I start to feel guilty, like I’m not paying attention to something that needs attention.  This sort of meshes in with prior posts about how fleeting inspiration is and how life gets in the way. 

Sometimes a real inspiration-killer is the effort it takes to set up and manage a recording session.  When your time is limited, you kind of have to have everything planned in advance.  You can find plenty of videos of musicians sitting in a studio, trying out different things until something gels.  I used to have that luxury; I don’t feel I have that now.

Like when you have a good starting riff, then you go searching for the right sound patch to express it.  Half an hour later, you’re midway through one synth’s patches and still have a few more synths to go.  I guess that’s why so many people compose on a piano or acoustic guitar – deal with the sounds later.

So, I’m upgrading my office studio again, adding a third monitor to my computer to be wall-mounted above my keyboards so I can keep the recording software in front of me (Cubase in ma face).  In past setups, I’ve had my computer to my side and to my back.  I hope that being in front will help me be more productive since I don’t have to turn around all the time.

I’ve burnt out two mixers over the last few years, so I’ve been playing through headphones.  That’s also going to be rectified with the upgrade – another mixer.

Yikes.  Looking back at previous blog posts, it looks like I’ve been musically idle for over three years.  That’s really no good.  Oh, no…  Checking my hard drive, the last thing I recorded was back in 2009.  Where does the time go?!  That is nothing like the changing of seasons, that’s more the changing of a generation.

And speaking of generations, it goes without saying that music is “done” differently now, and I have little interest in trying to do it that way or trying to sound similar.  I do wonder if the effort to create modern music is more or less than what it takes me to do it the old way.  For example, I have to write and play multiple tracks for a 4 minute song.  Newer composers have to find to find a bunch of samples that work well together, loop them in some coherent order and then spend who-knows-how-much-time applying effects.  At least that’s how I view modern music.

I listen to old-style music written in the new way and it seems to be the worst of both styles (effort-wise).  Writing and performing everything, then embellishing it with effects and post-processing.  That seems like so much effort, and it seems like so much more than I could devote in my tiny blocks of available time.

Like when you have a complete song, then you go searching for the right effects to apply.  Half an hour later, you’ve run through one effect unit’s settings and still have half a dozen different units to go.  On one track.  It feels like I’ve been there before.

We Will Beat Any Deal!

Posted by on May 3, 2014 No comments

A recent forum post was relating a story of how a car sales person defended the use of high-pressure tactics and treating customers like idiots:  The technique will work reliably as long as WWE (World Wrestling Entertainment) still has viewership.

Now there’s an idea!  Clearly, the salesman is referring to the fact that the customer will pay extra as long as there is some spectacle involved.  The buyer gives an offer and, pow!  Clothesline!  The salesman falls to the ground, stunned.  The salesman counters the offer and the customer deflects it with a wave of his arm.  The crowd is screaming for the customer to win.  The salesman runs to his corner and tags his manager.  The manager comes out and is immediately knocked to the floor by a demand of an extended warranty!  Such spectacle!  So much glory!

But, through application of standard car sales tactics, like a never ending line of opponents, the customer eventually gets tired and just wants the match to be over.  The dealer wins, again!  But it was a good show, so at least there’s that.

CYA UPS

Posted by on April 28, 2014 No comments

I hear and read a lot of stories about theft of packages.  Fortunately, I’m in a good neighborhood, so nothing of mine ever walks away.  But, aside from that, I know there can be misdeliveries, and then it’s more a matter of having honest neighbors.

I was checking the status on an order (a new computer for a client) and it just got delivered, about 25 minutes ago.  On the website, I saw a note that said “Left at: Font Door” and a link that said “Proof of Delivery”.  I thought, awesome, what proof of delivery is this?  I was expecting to see a picture of my package in front of my door.  Well, no.

I was disappointed.  It was just a bunch of text with dates and times and numbers and junk.  And my disappointment made me think, someone needs to do this.  Clearly, they have wifi to transmit the time of delivery back to the office and then off to the website.  Why couldn’t they include a picture?  In the event of misdelivery, a customer could possibly identify a neighbors door where the package was left.  By showing the package was there, it would make it clear whether the package loss was theft or driver error.

In fact, if I was a UPS driver, I think I’d be snapping a pic with my cell phone at each delivery.  I’d have photographic evidence in case anyone accused me of messing up, plus I’d have time stamps and even GPS coordinates.  This is a very litigious world we live in, and everyone needs to watch their own ass.  And it’d be good customer service.  That too.

Watch Out.

Posted by on December 14, 2013 No comments

I mentioned in a past post that I have a small watch collection.  I say it that way because recently, I considered collecting watches.  I thought I had a fair collection – isn’t more than one a collection?  I had one valuable watch handed down from my dad, four watches all of the same make, just slight variations, then two gifted watches that I didn’t care for.  My plan was to start collecting watches I like.

A little bit of research online showed that that’s not what “watch collecting” means.  Watch collectors are, put bluntly, fucking snobs.  There seems to be only a couple of ways to garner the respect of a watch collector.  Either already have a collection of high-end timepieces, or if you  are starting out, ask for advice and say your budget is something like $5,000.  So, my “collection” of sub-$100 watches is probably an insult to their art.

I had mused on collections in a really old post and came up with the decent conclusion that a collection really only has value to the owner, not to anyone else. (like hair, I said.  Crazy.)  I thought a bit more on it and considered the absurdity of the concept of collecting. Here I am buying $70-100 watches and there’s a whole lot of people out there that couldn’t (or wouldn’t dare) buy a single watch for more than $20.  In that regard, I am very fortunate for my situation, but I certainly don’t have the audacity to look down on someone because they don’t see some perceived value in watches that I see.

And that’s kind of the point.  Why do we collect things?  The high-end watch collectors must be smitten with the amazing craftwork in a watch, and I can understand that.  The issue is that the appreciation of the complexity of the watch is not what is conveyed to a potential fellow collector.  And someone that is buying a watch for a new collection (with a budget of $5k), clearly can’t appreciate the device at the same level.

Really, after all is said and done, a watch tells time.  A $20 Casio digital quartz watch is just as accurate as a Rolex, and doesn’t come with a regular maintenance schedule.  If you’ve never known about luxury watches, yes, they do need to be serviced regularly.  Pay a lot up front and keep paying on schedule.  So, the argument “That watch will last for your lifetime,” loses its charm a little when you have to effectively pay the cost of a new watch every few years.

Given all the thinking I’ve done on this now, I am going to go ahead with my “collection”, although it’s not going to be classified as a collection.  I’m not sure what else to call it.  It’s just a set of watches that I like looking at and wearing and that have the expected purpose of telling time.  As part of their purpose, they match my wardrobe and match the activity I have planned while wearing them.  That’s a balance of practicality and fashion. 

Maybe someday, I will have the desire to own a device with an amazing internal structure and will find the cost of owning it to be worth the reward.  But that day is not today.