You’ve heard Dave Ramsey talk about “snowballing” debt. Well, what if there isn’t enough snow to make a snowball?!?

Try snowflaking!

From the author - I’ve Paid for This Twice Already

I have a set amount I pay to debt without fail every month that is above my minimum payment due (about $800). On top of that, I also try to collect up little bits of money wherever I can and I apply those as well to my top priority debt as immediately as possible. I take surveys online, I sell possessions on craigslist and ebay, I have yard sales, and any money I get from these endeavors goes directly to my debt. I also keep a very strict accounting of all the money that comes in every month and what I spend and everything left over at the end of the month not earmarked for future expenses also goes directly to debt. These are my snowflakes. I have averaged over $200 extra going to pay down my credit card debt every month due to these snowflaking efforts.

http://www.paidtwice.com/2007/10/12/snowflaking-a-primer/

Dan

It is easy to lose sight of the important things in life, especially in times of economic turmoil and uncertainty.  All too often I find myself consumed with my own fate or condition and I fail to put things in the right perspective.  There are moments however, when all of that is brought into stark clarity and I shake my head with chagrin, acknowledging how petty and self-absorbed I can be.  Today was one of those days…

It started with being reminded by my wife that her cousin was waking up to his first day of R&R back in the United States having just returned from Iraq where he has been posted as an MP for the past 6 months.  As joyful as that may seem, there is the sadness that his return departure date is already set - this is just a respite from the war.  My heart was heavy for him.

Then, as I sat in my office on a conference call a good friend of mine stuck his head in the door to tell me that his Army Reserve unit (which I had served with for 4 years) had just been called back up to return to Iraq - this would be their second tour.  He is a father of 4 with his 5th child on the way.  I could tell his heart was grieved, but there was determination and acceptance in his eyes.  My heart was heavy for him. 

And if that weren’t enough, my business partner Dan emailed me this story sent to him by Sal Molinare (www.salmolinare.com).  There are so many lives affected by the war, yet it is so easy to lose sight of that fact.  There are men and women - many of them young and full life - that are serving with honor, dignity and pride.  They don’t ask for much in return because they serve out of duty and love of country rather than for money and fame.  What they deserve though, is our gratitude, support and love.  My heart is heavy for them.

I’m thankful for these moments that bring me back to the right perspective…thank you to all who serve!

===========================

The Sack Lunches
 
I put my carry-on in the luggage compartment and sat down in my assigned seat. It was going to be a long flight.

‘I’m glad I have a good book to read Perhaps I will get a short nap,’ I thought.
 
Just before take-off, a line of soldiers came down the aisle and filled all the vacant seats, totally surrounding me. I decided to start a conversation. ‘Where are you headed?’ I asked the soldier seated nearest to me. ’Petawawa. We’ll be there for two weeks for special training, an d then we’re being deployed to Afghanistan
 
After flying for about an hour, an announcement was made that sack lunches were available for five dollars. It would be several hours before we reached the east, and I quickly decided a lunch would help pass the time.  As I reached for my wallet, I overheard soldier ask his buddy if he planned to buy lunch. ‘No, that seems like a lot of money for just a sack lunch. Probably wouldn’t be worth five bucks. I’ll wait till we get to base.’
 
 
 His friend agreed.  I looked around at the other soldiers. None were buying lunch. I walked to the back of the plane and handed the flight attendant a fifty dollar bill. ‘Take a lunch to all those soldiers.

‘ She grabbed my arms and squeezed tightly. Her eyes wet with tears, she thanked me. ‘My son was a soldier in Iraq; it’s almost like you are doing it for him.’  Picking up ten sacks, she headed up the aisle to where the soldiers were seated. She stopped at my seat and asked, ‘Which do you like best - beef or chicken?’  ‘Chicken,’ I replied, wondering why she asked. She turned and went to the front of plane, returning a minute later with a dinner plate from first class. ‘This is your thanks.’
 
After we finished eating, I went again to the back of the plane, heading for the rest room. A man stopped me.  ‘I saw what you did. I want to be part of it. Here, take this.’ He handed me twenty-five dollars.
  
Soon after I returned to my seat, I saw the Flight Captain coming down the aisle, looking at the aisle numbers as he walked, I hoped he was not looking for me, but noticed he was looking at the numbers only on my side of the plane.  When he got to my row he stopped, smiled, held out his hand, and said, ‘I want to shake your hand.’
 
Quickly unfastening my seatbelt I stood and took the Captain’s hand.  With a booming voice he said, ‘I was a soldier and I was a military pilot.  Once, someone bought me a lunch. It was an act of kindness I never forgot.’  I was embarrassed when applause was heard from all of the passengers.
 
Later I walked to the front of the plane so I could stretch my legs.  A man who was seated about six rows in front of me reached out his hand, wanting to shake mine.  He left another twenty-five dollars in my palm.
 
When we landed I gathered my belongings and started to deplane.  Waiting just inside the airplane door was a man who stopped me, put something in my shirt pocket, turned, and walked away without saying a word. Another twenty-five dollars!
 
Upon entering the terminal, I saw the soldiers gathering for their trip to the base. I walked over to them and handed them seventy-five dollars.  ‘It will take you some time to reach the base. It will be about time for a sandwich. God Bless You.’
 
Ten young men left that flight feeling the love and respect of their fellow travelers. As I walked briskly to my car, I whispered a prayer for their safe return.  These soldiers were giving their all for our country. I could only give them a couple of meals.  It seemed so little…
 
A veteran is someone who, at one point in his life, wrote a blank check made payable to “The United States of America” for an amount of up to and including my life.  That is Honor, and there are way too many people in this country who no longer understand it.

A good friend of mine sent this to me. It’s really one of those chain letters you get that’s been passed through a million other people. I couldn’t find an attributable source so I’ll post it as anonymous unless someone corrects me. Anyway I did the math and I have 1,857 Saturdays left. Man…that sort of brings it home. Make ‘em count boyz!

Dan

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The older I get, the more I enjoy Saturday morning. Perhaps it’s the quiet solitude that comes with being the first to rise, or maybe it’s the unbounded joy of not having to be at work. Either way, the first few hours of a Saturday morning are most enjoyable.

A few weeks ago, I was shuffling toward the garage with a steaming cup of coffee in one hand and the morning paper in the other. What began as a typical Saturday morning turned into one of those lessons that life seems to hand you from time to time. Let me tell you about it:

I turned the dial up into the phone portion of the band on my ham radio in order to listen to a Saturday morning swap net. Along the way, I came across an older sounding chap, with a tremendous signal and a golden voice. You know the kind; he sounded like he should be in the broadcasting business. He was telling whomever he was talking with something about a thousand marbles. I was intrigued and stopped to listen to what he had to say.

Well, Tom, it sure sounds like you’re busy with your job. I’m sure they pay you well but it’s a shame you have to be away from home and your family so much. Hard to believe a young fellow should have to work sixty or seventy hours a week to make ends meet. It’s too bad you missed your daughters dance recital, he continued; Let me tell you something that has helped me keep my own priorities. And that’s when he began to explain his theory of a thousand marbles.

You see, I sat down one day and did a little arithmetic. The average person lives about seventy-five years. I know, some live more and some live less, but on average, folks live about seventy-five years.

Now then, I multiplied 75 times 52 and I came up with 3,900, which is the number of Saturdays that the average person has in their entire lifetime. Now, stick with me, Tom, I’m getting to the important part.

It took me until I was fifty-five years old to think about all this in any detail, he went on, and by that time I had lived through over twenty-eight hundred Saturdays. I got to thinking that if I lived to be seventy-five, I only had about a thousand of them left to enjoy. So I went to a toy store and bought every single marble they had. I ended up having to visit three toy stores to round up 1,000 marbles. I took them home and put them inside a large, clear plastic container right here in the shack next to my gear.

Every Saturday since then, I have taken one marble out and thrown it away. I found that by watching the marbles diminish, I focused more on the really important things in life.

There’s nothing like watching your time here on this earth run out to help get your priorities straight.

Now let me tell you one last thing before I sign off with you and take my lovely wife out for breakfast. This morning, I took the very last marble out of the container. I figure that if I make it until next Saturday then I have been given a little extra time. And the one thing we can all use is a little more time.

It was nice to meet you Tom. I hope you spend more time with your family, and I hope to meet you again here on the band. This is a 75 year old man, K9NZQ, clear and going QRT, good morning!

You could have heard a pin drop on the band when this fellow signed off. I guess he gave us all a lot to think about. I had planned to work on the antenna that morning, and then I was going to meet up with a few hams to work on the next club newsletter.

Instead, I went upstairs and woke my wife up with a kiss. C’mon honey, I’m taking you and the kids to breakfast.

“What brought this on?” She asked with a smile.

Oh, nothing special, it’s just been a long time since we spent a Saturday together with the kids. And hey, can we stop at a toy store while were out? I need to buy some marbles.

MIT Professor Simon Johnson, et al just launched a new website called Baseline Scenario. I think they do a great job of breaking down the current financial crises and highlighting the REAL problems in the economy. Based on this site and what I’ve been reading in the WSJ - we could be in for a long winter. I was thinking perhaps we’d start climbing out of this mess by Q2-Q3 2010 but now not so sure.

Take a read. You’ll feel enlightened!

http://baselinescenario.com/2009/02/08/baseline-scenario-2909/

Dan

I have to admit that I am something of a technophile (http://en.wikipedia.org/wiki/Technophilia) in that I love to read and study about the future applications of technology in everyday life.  I think that is what appeals to me about SciFi as well…the convergence of reality with possibility.  I read a great article today that talked about the potential for the recently enacted Stimulas Bill to advance the influence of technology in our aging infrastructure.  It was truly facinating.  Here is the link to the article: http://online.wsj.com/article/SB12344 … 31779255.html?mod=djemTMB

It is amazing to consider at the unique applications of our modern technology.  As instruments get smaller and smaller (even to the point of nano-sized components) and wireless connectivity gets more pervasive it seems that there are limitless ways to implement technology.  Certainly one of the drawbacks to such pervasive use of sensors and communication devices is the sheer volume of information.  I recently read somewhere that there is more “new” data/information generated in the past year than in all of human history before that…wow - that is exponential growth for sure.  The biggest challenge is how to make use of the data.

I would love to hear your thoughts on the convergence of traditional mediums/industries with modern day technologies…

It may be only February, but it’s never too early (or too late) to create a little momentum in your life by removing the clutter.

As a confession, I’m a packrat - but slowly, ever so slowly - I’m simplifying. I spent last year removing a ton of junk, but from the looks of it - it has multiplied a little…go figure. I’m beginning to think “stuff” just spontaneously duplicates - like in Star Trek “Trouble with Tribbles.”

My real problems are with guitars, books, and because I work out of my house…paper. I’ve recommended David Allen’s “Getting Things Done” (GTD) as a way to be organized in the real world - and it has done wonders for my productivity. Sometimes, when you’ve got a big mess, brute force is the answer.

Here’s an article on how to declutter a room in one go. Basically…quarantine two areas and start sorting….

http://zenhabits.net/2009/02/how-to-d … an-entire-room-in-one-go/

Dan

You probably have this book on your shelf and have never really read it!

It’s Stephen Covey’s book, “The 7 Habits of Highly Effective People” - and it is definitely among my top 10 must read books for anyone looking to create momentum in their lives.

So you know how thrilled I was when I found out that Audible is running a promotion for a free copy of the abridged “7 Habits” audiobook. If you are not a reader, you can get the highlights during a week of commutes!

You do have to create an Audible account - but otherwise it appears to be an easy download.

http://www.audible.com/adbl/entry/off … &productID=FR_COVE_000032

Enjoy!

Dan

I recently read an interesting article on MSNBC.com titled “Is conflict between God and science hardwired?” by Robin Lloyd (http://www.msnbc.msn.com/id/28675668).  It was a review of a scientific study that suggests “our minds are conflicted, making it so we have trouble reconciling science and God because we unconsciuosly see these concepts as fundametnally opposed”.  While the psychologists running the study found evidence that people tend to place science and religion on opposite ends of the arguments surrounding the larger issues of life such as the origin of the Universe and the evolution/creation of man.  The leaders of the study believe that their results show that a Dual Belief System does not exist in our brains.

Ultimately the article did point to other potential causes to the conflict, such as cultural opposition, that influence the results of the study.  I tend to agree with that potential, and would even tender the suggestion that the 3:9 Principle is an influencing factor as well.  Consider it this way - people that tend to gravitate to numbers, facts and science are primarily Head-centric in Nature, while those who gravitate to relationship, emotion and faith are Heart-centric.  The questions posed by the study force a potential tug-of-war between these two Natures.  Since most people are dominant in a Nature, then they are see the world through that particular lense.

It is an interesting thought and adds yet another twist to God’s design.  Take a moment to read the article if you get the chance.

Hey, I have to be upfront - generally speaking, I’m not a real Oprah or Suzy Orman fan, but I saw this link to a free PDF copy of her book and decided to check it out.

I’ll have to say that there some good advice here to consider given the times…especially if given free! If you are wondering what do do about your finances in 2009, I suggest you grab it, since it’ll only be free until January 15.

What I liked best was her explanation of FICO and why it is now relevant again…

Enjoy!

http://www.oprah.com/article/oprahshow/20081119_tows_bookdownload