03.30.07

saving with passion

Posted in money, newspaper, opinion column, saving at 7:44 am by weiszguy

Here’s my latest column, which ran in the March 28, 2007, edition of the Greenhorn Valley View:

One problem with saving money is – it’s no fun! Most of us would prefer a root canal to putting off the purchase of a new magazine subscription. In most peoples’ minds, saving = not spending. Any money that I save right now is money that I can’t spend right now. Furthermore, any discussions of saving money usually focus on ways to make sacrifices now, in order to fund some nebulous long-term goal, like retiring in 30 years. That kind of talk is depressing! How can we make saving fun? How can we make the act of putting away money something we’d rather do than subscribe to that new magazine?

One idea is to do just that – make saving fun. Is your goal to eventually have enough money to quit work and live off the interest? That’s a good goal, but it’s pretty lofty and isn’t going to help you with the magazine dilemma. But what if you could have your magazine and not have to pay for it out of your paycheck? What if you had enough money in a “magazine fund” that you could use the interest it earns to pay for your magazine subscriptions every year? That way you’d be done paying for magazines for the rest of your life!

But wait a second, how much money is that going to take? There is a simple rule that will give us the answer. The rule of 25 says that whatever your annual expense is, multiply it buy 25 to get the amount that will fully fund that expense forever. For example, if you spend $40 a year on magazines, you could put away $1000 ($40 x 25) , and the interest from that would pay for your magazines for life (assuming a real return of 4%). $1000. That’s not so bad. You could come up with that kind of money in a few months.

And once you had your magazines taken care of, you could move on to the next spending category. Before you realized what was happening, you’d have so many spending categories permanently funded that your need for current income would go down. Now think of the possibilities. Retire early! Do volunteer work! Do work that you’re passionate about, even though the current income isn’t as much as you formerly would have needed.

These are the kinds of things we need to spend more time thinking about. If you’ve been inspired to make saving fun, I’d love to hear your story.

Many thanks to Rob Bennett for his ideas on saving with passion. Read more of Rob’s ideas on www.passionsaving.com

03.28.07

ChurchTechTalk

Posted in church, technology at 8:37 pm by weiszguy

ChurchTechTalk is a podcast about using technology in the church.  At least, that’s what they claim it’s about.  The guys spend a lot of time cracking up, and sometimes they bring the conversation around to tech stuff.  One of the hosts, Jason, was a good friend of mine in high school.  Check ‘em out.  They’re in iTunes podcast directory, and online at: www.churchtechtalk.com

a guy in a restaurant

Posted in courage, fighting at 5:30 pm by weiszguy

This evening for dinner I went to a place I have never been to before. Five Guys Famous Burgers and Fries. The food was great, until…

The dining area was crowded, with people milling about, and the ambient noise level was something just short of a 747 taking off. I heard behind me a man yell something. I turned around and saw a man standing beside a seated girl (woman? it was hard to tell). He was yelling at her indignantly, as if she was the stupidest person in the world. “What, Megan?! What do you want!?” The woman was seated with her back to the dining room, head in hands, sobbing. “Just tell me what was on your stupid burger, Megan, so I can find it!” The only response I heard was, “…lettuce <sob> pickles <sob> mustard <sob>…” She was obviously embarrassed and humiliated. And he just kept going. Not wanting to be impolite, I turned back to my meal.

A few minutes later curiosity got the better of me and I turned around nonchalantly to see how it was going. He was still at it. She was sobbing in her hands, he was standing beside her, whispering now, but still scolding. Apparently he realized he was out of line just enough to stop the yelling, but the realization wasn’t great enough for him to call off the dogs.

I couldn’t let it go on so I walked around the back side of the dining room, hoping not to cause a scene of my own, and tapped him on the shoulder and said, “Sir, you’re causing this lady a great deal of grief and I think it would be best if you practiced loving her a little.” The daggers in his eyes made mince meat of me, but after several eternities I could see the anger start to melt away. He sat down and said, “You’re right, I’ve been trying to get a hold of myself for a long time now. I don’t know why I just snap all the time.”

“I have a great pastor-friend who I think would love to help you.”

“Really? You’re one of those Jesus people, huh? I been thinking I need to get right with God, but I don’t know how…”

***

At least, that’s how I wish it had turned out. The truth is I chickened out. I just sat there munching on my soggy fries, getting sicker and sicker with each bite. I threw half the fries away and ran out, feeling sorry for the woman but not wanting to risk anything to help her. It’s been gnawing at me ever since. Why am I such a pussy? I wonder what an old-west law man would have done? What would Jesus have done?

03.23.07

my first published column

Posted in money, newspaper, saving at 8:01 pm by weiszguy

My first newspaper column was published this week! How ’bout me? The paper is the Greenhorn Valley View, which you can find at http://greenhornvalleyview.com/ You can’t actually see the column there because it is only available to subscribers (although, I’m sure they wouldn’t mind if you subscribed), so I’m printing the column here. Enjoy!

There are many reasons not to save money. Consider the seasons of your life:

20’s - Save? Now? Are you kidding? I just graduated and I’m getting married. I need to buy a house and start working my way up in the world. Then there’s the car payment and the student loans to pay off. And anyway, retirement is so far away…

30’s - I can’t start saving now. Our second child is one the way. My wife will be off work for a few years and I need to put an addition on the house. I’m trading up to the bigger car and I’m trying to make partner at work. I’ll start saving soon…

40’s - I know I need to start saving, but how can I do that with all the kid’s activities? My son made the varsity hockey team and is playing games around the state, and my daughter’s gymnastics team is in demand around the country. With all the traveling, there’s nothing left to save.

50’s - Have you seen what college costs these days? I can’t start saving now. In fact, I’m borrowing money so the kids can go to school. I can’t refuse the kids their educations, can I? I’ll start saving a whole lot real soon…

60’s - I can’t start saving now. With only a few years left until retirement, there isn’t time enough to put away what I’ll need for the future. I guess I’ll have to keep working forever.

70’s - I can’t start saving now. My health has gone downhill so fast I can’t work anymore, so I’m living on Social Security and staying with my daughter. I sure wish I’d started putting money away earlier…

But it doesn’t have to be this way. Consider again the seasons of your life:

20’s - I know I need to save. Even though my bills are high right now, I think I’ll just put away a little out of each paycheck.

30’s - That saving habit I started right out of college is really paying off! I haven’t noticed the little bit that’s missing from my paychecks at all! In fact, I’m bumping up my savings amount! I sure hope I can keep this up.

40’s - My savings is snowballing fast! The interest my money is making is more than I’m putting in from my paychecks! I wonder what would happen if I started saving a little more?

50’s - My investments have done so well that I retired this year! But I’m not just sitting in my rocking chair, I’m teaching some classes at the community college and volunteering for charity work overseas.

60’s - I get such a kick out of traveling with the grandkids! I get to watch them in hockey and gymnastics, and I’ve put away some money for their educations.

70’s - Traveling is getting harder these days. But we’ve built a house on the ocean and I love sitting on the porch and watching the sunset. I sure am glad we had the foresight to start saving early!

I’ve seen people at every stage; none of these examples are made up. Although the choice to save isn’t easy, we’ll be better off if we can force ourselves to do it.

03.22.07

reading Matthew - and making it not boring

Posted in Bible, small groups at 2:17 am by weiszguy

In my men’s group, we’ve been reading the gospel of Matthew. The assignment is to read it twice every 2 weeks - and this is our third 2 weeks. It was getting a little tiresome, but this time through I’m doing something different. Previously, I was reading six chapters a day, every WEEKDAY. But now I’m reading four chapters a day, every DAY. This smaller chunk of reading takes a little less time to read, and it’s not the mental burden that six chapters is. The other thing I’m doing is taking notes on how many times a prophecy is fulfilled. It’s quite amazing - every so often Matthew (or Jesus, or John the Baptist) points out that what was happening at that moment was happening in direct fulfillment of a specific Old Testament prophecy. In the first twelve chapters eleven prophecies are fulfilled. I know there are others later in the book, but I’m waiting until I get to them to count them.

things left on my pillow at my hotel this week

Posted in Uncategorized at 2:06 am by weiszguy

Andes after dinner mints
yogurt-covered pretzels
York peppermint patties
chocolate-covered pretzels
bottled water

03.14.07

professional interests

Posted in career at 4:39 pm by weiszguy

Recently, I got to participate in a career planning exercise with my employer, Crown Partners. In one section, I had to write about my professional interests, and I thought that would make good blog material. Enjoy!

Professional Interests:

  • I love making computers do what I want them to do. That’s why I got into development in the first place; it is extremely satisfying to see my work actually being used in production.
  • I love writing. Granted, I haven’t done much of it; my experience is mainly limited to writing a few marketing pieces for my previous company, and my personal blog. Oh, and I just started doing a weekly personal finance column in my hometown newspaper. They haven’t been published yet. I currently have three columns written; when I get the fourth completed, the editor will start publishing them. I need to have the fourth done by the end of next week, but I hope to have it done sooner. I’ve often wondered if Crown would benefit from a corporate blog. I have some ideas for putting one together, if management so desires.
  • I understand C# very well, but I feel like a fish out of water with Documentum. I don’t doubt this is because I am completely new to DCTM, and it will get better as I gain experience. I’ve already learned more this week at [client] than I have in my first four months of “training” with Crown.
  • I love working on new things. If there was a completely new application needing to be developed, instead of maintenance on existing systems, I’d be all over it. (In this same vein, I recently moved to a small town to help start a church.) Trying to learn someone else’s code, and figure out why they did things the way they did, is difficult and fatiguing work.
  • I like being involved in planning meetings. The kind of meetings where input is eagerly sought and incorporated into the strategic plan. This can include developing procedures, methodologies, systems, and best practices. (As the treasurer of our new church, I am one of a half-dozen people constantly involved in steering our group.) Again, when I come in after all the planning is over, I’m left to discover what was decided and why, and how to work with the plans that have been made. It can be difficult and fatiguing work.

03.13.07

a stroll through a bookstore

Posted in Uncategorized at 7:11 pm by weiszguy

I went to a bookstore over lunch today and wandered around with pen and paper. I made a list of books that caught my eye for one reason or another. All of them sound like great books to read. Check ‘em out:

Wicked, by Gregory Maguire
Ex Libris, by Anne Fadiman
Lord Foul’s Bane
, by Stephen R Donaldson
Book Lust, by Nancy Pearl
The Intellectual Devotional, by David S Kidder and Noah D Oppenheim
The Classical World, by Robin Lane Fox
Encyclopedia of an Ordinary Life, by Amy Krouse Rosenthal
John Adams, by David McCullough
Generation Debt, by Anya Kamenetz
Why I Write, by George Orwell

Keep in mind, I haven’t read ANY of these books. I’m not saying they’re good books, I’m just saying I’d like to find out if they’re good. If you find any of them personally offending, it’s not my fault!

If you have read any of these and can give me a thumbs up or down, please let me know.

Points of clarification:

  1. I don’t make any money from Amazon. I just thought it would be easier to link to the books, than to try to describe books I haven’t even read.
  2. All of these books would make great gifts for your favorite blogger! :)

03.09.07

the cause of the Civil War

Posted in Civil War at 12:38 pm by weiszguy

I’ve received some feedback that slavery was not the cause of the Civil War.  These sources say that the southern states wanted more autonomy than they were given under the federal form of government.  Although this is true, the reason they were big proponents of “states’ rights” is because the federal government was passing all kinds of laws making it difficult for the southern states to have slaves.  Obviously, if each state was a sovereign unto itself, it could pass whatever laws it saw fit.  But they wouldn’t have been so keen on states’ rights if not for the pressure from Washington.  The southern states got to the point where they were nullifying individual laws created by Congress, specifically laws that impinged their sovereignty or their ability to keep slaves.  So it’s very easy to say that slavery was the cause of the Civil War, AND that states’ rights was the cause of the Civil War.

03.08.07

passionsaving

Posted in money, saving at 1:05 pm by weiszguy

It’s a concept I’ve been mulling over in my mind for some time now, but have been unable to fully articulate. It’ a concept I’ve tried to discuss with others, but have been unable to get them to see my point.

The concept is this: saving money is a good thing, but it requires a sacrifice. Every dollar we save right now is a dollar we can’t spend on something fun right now. Which is a very negative, depressing thought. Is there a way to turn saving into something fun? Is there a way to make the thrill (yes, thrill) of saving equal or exceed the thrill of spending? If there was, I bet a lot more of us would do a lot more saving.

I found a website where this basic premise is explored in great depth. passionsaving is a concept developed by a guy who was laid off in a recession, and never wanted to be dependent on a paycheck again. He started figuring out ways to motivate himself to save, and ways to motivate others to save. I can easily see how employing some of these devices would turn saving into an adrenaline-pumping, no-holds-barred, full-contact extreme sport.

03.07.07

my first rejected column

Posted in Civil War, abortion, newspaper, opinion column at 8:01 am by weiszguy

Here is my first rejected column. The editor didn’t like it partly because it is too long (but don’t let that stop you from reading it), but mostly because it takes a political stand and he doesn’t have an opposing view point to run along side it.

Well, duh! He’s not going to find an opposing view point because this is the only possible opinion any right-minded person could have! :)

I, of course, think this is a masterpiece of human genius, the rhetoric being equaled by no man since Aristotle! So, without further ado…

In the run-up to the American Civil War, the country was rigidly divided on the issue of slavery. Those who were opposed to slavery were VERY opposed to it. Those who were in favor of slavery were VERY in favor of it. The verbal war began well before the physical fighting. Many well thought-out verbal bullets were fired by both north and south before anyone had a chance to pick up a rifle. Although the south eventually lost, this outcome was not obvious before the war started. And most southerners knew exactly why they favored slavery and stood ready to fire any of several verbal bullets at the abolitionists from the north. It is one of these southern bullets I want to explore, and use it as a basis for examining a modern day dilemma every bit as contentious as slavery.

Hypocrisy was a common argument leveled at northern abolitionists. It seems northerners were opposed to slavery on principle, but were largely unwilling to put their money where their mouths were. A southerner could make a northerner squirm with anxiety just by asking how a freed slave would be treated in the north. Would the slave be welcomed in white stores? In white churches? In white schools and colleges? Would a black family be invited to Sunday afternoon dinner at the home of a white family? The rhetorical answer was “no”, and this was proved to be true when the war was over and black plight was only nominally better than it had been under slavery.

This is an embarrassing dichotomy. Now that blacks were “free”, they were no more welcome than they had been before the war. Why should a people who believed so strongly against slavery be so sluggish when it came time to bring their personal resources to bear on the issue? I believe the answer is that the issue didn’t affect them personally. Sure, owning another human was a moral wrong, in theory. But very few of them knew any actual slave owners; very few of them knew any actual black people. So the issue was something other people dealt with, not something that had any personal economic impact. Sort of like… abortion.

People who are opposed to abortion are typically opposed on the moral grounds that it is wrong to take the life of another human. While people who support abortion support it on the grounds that banning abortion would cause serious economic trouble for the young mother, and for society as a whole. Of course, we’ll never have another civil war over this issue, largely because we don’t have a defined set of states who are pro-life, and another set who are pro-choice. But the analogy is still valid. For all the anti-abortion rhetoric, for all the pro-life sermons, for all the impassioned debates, for all the protests, both peaceful and otherwise, there are precious few pro-lifers who are willing to personally do anything but talk.

I have some friends (married, with a child of their own), who opened their home to a teen mother who was considering abortion. They offered her room and board, transportation, health care, clothing, and anything else she needed, if she would agree to carry the baby to term and give it up for adoption. In short, they gave something of themselves, in order to stem the tide of abortions.

Sure, aborting a baby is a moral wrong, in theory. But too few of us know an actual troubled teenage mother who struggles with the guilt and anxiety of an unwanted pregnancy. Too few of us are willing to get actively involved in any meaningful way in the lives of a mother and her baby. Is a pregnant teenager welcome in our homes? Is she welcome in our churches? If she’s not, the chances are greater that she will fall prey to the forces that would have her abort her baby.

The fact that pro-choicers can point to a lack of support for people looking for abortions does not bode well for pro-lifers. One way to disarm the pro-choice movement would be to show them that the pro-life side cares very deeply for the mothers and babies involved in abortion. Deep enough to put their own lives and pocketbooks on the line. If this were to occur en masse, the pro-life lobby would have considerable more sway with the powers that be.

The north was able to free the slaves in this country because of superior military power, not because they proved the moral superiority of their cause. It would be nice if the pro-lifers in this country could put abortion to rest, not by military superiority, but by proving the moral superiority of their cause.

Our comments line is open…

UPDATE: The other reason, of course, that this column isn’t running in the paper, is because it has nothing to do with money, which is the theme of the column.

03.06.07

newspaper column update

Posted in money, newspaper, opinion column at 7:01 pm by weiszguy

Looks like I’m in!  I just spoke with the editor of my hometown paper (whom, I might add, is strikingly handsome and an all around great guy).  We’re going to run a column at least every other week, and more often if I can keep up the grueling writing schedule.  Each column will focus on a different aspect of personal finances, e.g. saving, spending, debt, giving.

Here’s the best part.  He’s going to look for a sponsor for the column (said sponsor, I’m sure, will be remarkably intelligent and witty), so I’ll get a little dough for my efforts.  Not much, but hey, it’s beer pop money.

I’ll also be able to post the columns on this blog, so you all will be the lucky recipients of my wisdom without even having to buy a paper!

03.03.07

kids’ blog templates

Posted in blogging, kid blogs at 1:01 pm by weiszguy

Does anyone know where I can get templates for kids’ blogs? My kids (ages 8 and 9) want to start blogs of their own, but the only templates I can find are adult templates. Does anybody make a blog template with baseballs or airplanes or dolls or flowers, that might appeal to children?

03.01.07

newspaper column

Posted in newspaper, opinion column at 10:14 am by weiszguy

Sorry I haven’t put much up here lately.  The truth is, I’ve been working on a potential column in my hometown newspaper.  The editor is tentatively interested in having me author a weekly column, so I’ve been trying to construct a couple of perfectly crafted, knock-your-socks-off column ideas that will make him wonder how he got along without me.  If the column becomes a reality, I’ll post a link to it here.  At the very least, I’ll publish the text of the columns here for your reading pleasure.