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Dec 31, 2006

2007 money owner's manual

Happy New Year!

What are you going to use money for in this new year?

I am going to focus on using money for self-discovery in agreement with my values. As well as exploring my values to a greater extent. In terms of both the earning and making of money. And the spending of it as well. I think most people can see the potential 'soul-searching' aspect of making and earning money. But spending it? Money is usually spent to comfort and entertain. But how often is it spent to discover? or rediscover what has been lost?

Or is the purpose of money to distance us from the discomforts of life? If those discomforts distract the individual from his or her greater purpose, then a good use of the money. If the comforts themselves become a distraction, then maybe the point was lost...

What does money mean to you? Freedom?

What if you woke up and were penniless and jobless? What would you do? What would matter? You would be afraid, but of what? Being homeless? Powerless? Loss of status? Loss of security? A 'real' security or just perceived?

Maybe this loss would actually set you free? If so, free to do what?

I guess that is what I am asking myself this New Year. What does money mean to me? How do I want to use this powerful tool...

I think this is a question we have to frequently remind ourselves of...otherwise we forget the answer.

P.S. This year I need to read the "money owner's manual". We are taught so little about money. As kids we are taught nothing about it. When we get older we are just taught to make it. Love it. Feed it and make it grow. But we are never taught, what it is really for...to what purpose to put it. I think as a society we often make the accumulation of money a purpose in its own rite. And money was never intended to be an end point in and of itself...that's asking too much of it...

Dec 26, 2006

pain is good

Following a holiday feast, a day of wallowing in comfort, I have to remind myself that pain and discomfort are a valuable part of a balanced life. Pain is a reminder to me that I am on the right path in life.

During training for a marathon, feeling pain and discomfort were milestones that I was on the right path. I felt that when i was running around the ten mile mark. When I hit twenty miles, the pain fell away. I was closer to the finish line, so to speak.

Now, after a year of living 'the party life', it is time to embrace pain and discomfort again and return to a more balanced life. Now I run twenty minutes and I feel the pain, following such a lifestyle for so long. I look forward to getting into shape and rebuilding.

A great book that hits on this stuff is called, Toughness Training for Life.

Discomfort can come by choice or from an external event. In terms of an individual's lifestyle, for example, change and discomfort may be forced upon an individual as a result of a bad diet leading to diabetes. Personally, I would rather choose a healthier alternative, a lifestyle change, rather than it be forced upon me.

Jack Trace talks about this in his latest post regarding oil consumption, climate change and our society's lifestyle, rather an the individuals lifestyle. But what is our society's lifestyle, but a collection of all its individuals' lifestyles? Very interesting post and worth a read.

Enjoy the discomfort today may bring...

Dec 24, 2006

A Thousand Roads


One of the best museums I have ever been to is the National Museum of the American Indian in Washington, DC.

From the design of the building, to the theater, to the cafe. Everything was done to illustrate and communicate some ideas of indigenous peoples to the modern thinking visitor. The entire experience was touching.

I have always had a profound and unexplained interest in Native Americans as a child. These feelings I have always had returned to me. I had forgotten my interest.

The indigenous peoples of this country are a national treasure and we as a nation can learn a tremendous amount from them. We can learn to appreciate the human place in this world. From the perspective of the environment and how we relate to and support each other. The truth in what we are lacking in terms of community and a sense of place were apparent to me, both in the message from a film and the museum as a whole.

I watched a very well done movie entitled, “A Thousand Roads”. It discussed the lives of several modern day Native Americans from various nations and the trials they faced in our society. The story talked about how we have to help each other through this life. It mentioned how “we lose ourselves from time to time, only to find ourselves again.” It mentioned many things that we don't mention. It seems to me that a spiritual sense of being, of having a place, of having a connection with the earth, of having a purpose was fundamental to the native peoples.

I think the museum's message summarized where we have come as a country and where we may need to go. We still have much to learn from the indigenous people of this land. An ongoing story...

This is where I want to play my part. By consciously spending money to support the things I value. It's really hard I think, to resist that which you desire. That which our system is based, marketing to meet the consumer's desire.

But to have something to work to support, is more valuable to me than not having to work to not support anything. An idea is a reason for being...

For a time I saw little reason in making or accumulating money. My thinking was, “Why? So I can buy a BMW someday?” I just did not see the worth in it. Now I see a reason to make money. To affect change. To improve peoples lives. To possibly make the world a better place.

Dec 20, 2006

Money's Gravitational Pull

I have often compared money to energy. But I am thinking it also behaves a lot like matter as well.

When you keep that in mind and read something such as this...you cannot help but observe money's gravitational pull.

It's almost contradictory. The people with the least money get charged the highest interest rates.

These 'money rules' make for a hording and 'mine' mentality. Cooperation is of less importance. I wonder if this could be compared to the 'nash equilibrium', I call it the 'so great' situation...better to work together.

Is it possible our country has gotten too rich for its own good?

[I reposted a previous post that seems relevant to this issue...the 'screw your neighbor Elmo doll' post...]

PS I'm experimenting with more of a focus, instead of just throwing up random thoughts...(although this thought is pretty random...and self referencing as well.)

Dec 15, 2006

fairchild and chihuly



This was really a really cool experience. Artist Dale Chihuly has returned to Fairchild Tropical Garden for a second showing. Paying for and viewing art is always worth the money to me. How do art and money fit together? Is a rich artist out of touch with inspiring experiences or does having money free the artist to focus on what matters...art?

What I loved about the Chichuly exhibit in this garden format, was it brings together a manmade creation and the natural world. In harmony. One complementing the other. To me it represents what we want to do as a society. Perhaps our presence on this planet should enhance it. Embellish it.

One way we can do that is by appreciating such instances when it is done with elegance, grace and beauty. Chihuly pulled it off...

Dec 12, 2006

wanted: forward looking primativists

Is it possible that primativists are actually futurists...they might just not know it?

Primativists think about the basic, animal part of the human existance in its more primal state of being. That of being a top predator. A basic, but very valid and rewarding existence. An existence for an individual that transcends a cubicle, a computer screen and 50 minutes to eat a microwaved lunch...

The primativist wants more from life than health insurance premiums and worring about retirement planning.

How could anyone find fault with the primativist's desire? The unhappy cubicle office worker finds just as much dissatisfaction with their life and the way they are spending it, but they are willing to put up with it. They give credence to the 'deferred gratification' argument while the primativist does not.

The same forces are at work, however, in each player, the primativist and the cubicle dweller. Our privative desires of possession, stability, security and a longing for pretty things got us here in the first place. Our primative desires, linked with evovling technological know-how are putting our existence, quality of life and planet at risk.

Today, basic desires are what propel most individuals within society. Whether the desire 10,000 years ago was for a better axe, or today for a new Imac...desire remains the same. Are not all desires of equal weight?

Good desire and bad desire?

What I think the primativist wants for the direction of society requires a movement forward in human thinking. An evolution of our ideas, our thinking and finally our way of life. If we went back to the primative societies from which we came, we would have to travel the same path as we are on now.

Perhaps the primativist needs to look forward, not backwards. They need to think of what can be, and not what has been.

Our society is evolving, but the question is...are we?

Dec 9, 2006

the tip jar

There are no bagels like Miami bagels. I'd even put the NY bagel from NY against a Miamian Bagel.

Never mind the Cubano food, Miami is the place for bagels. I'm even going to bet I can find a top notch New York Pizza place as well...

So I just got back from getting some bagels and couldn't help but notice the tip jar. It is ubiquitous. These things are everywhere.

Have they always been?

When did the tip jars start emerging from the primordial soup of capitalism and start evolving?

There really hasn't been any evolution of the tip jar come to think of it. You would think it would have. Maybe that would make a great coffee book...a drive across the country taking pictures of unique tip jars...

I believe the tip jar and just tipping rates in general are directly proportional to the excesses sloshing around in the economy. How much the 'average system joe' 'Ieconomy' is delivering above his needs. (Nothing against tipping or the servers who need them for a living. All I am saying is the tip jar represents something greater.)

Are tip jars in other countries? Or maybe they are tip pots? Made out of clay? tip urns...Tip barrels in the OPEC countries...and countries with excess hyper-inflation...

During the depression era, how well did the tip jar perform?

I am nominating the tip jar as a leading economic indicator. Are you reading Bernanke?

Wouldn't it be great if system players like Ben Bernanke, the Fed chairman, starting putting out a tip jar on their desks. For a good economic prognosis and to do a better job, his tip jar would have to be stuffed with dollar bills and loose change (which equates to millions of dollars and stock options when it's run through a highly complex economic algorithm that takes into account all the econometric principles that are beyond you and me...

"Well the tip jar on the fed chairman's desk must make sense, the economic indicators tell us so!"

"The guy name george who is trying to act as a president" would need his as well. His would be the patriotic tip jar covered with American flags and symbols of Americana, like the Haliburton Corporate logo.

The Pope would have his holy tip jar (jewel encrusted with some reproductions of Davinci code painting)...

Dan 'Charlie' Brown, for that matter, would have one. With Dan Brown's, he'd actually have to learn to write in order to get tips however....

Perhaps a cheap street times tip jar? Mine would be a negative tip jar. I encourage you to take something and leave something else. It would be more of a geocache tip jar...

Actually, I have been pondering an 'artistic' way to express some of my ideas. Since I have no traditionally accepted artistic talents (such as painting, writing, sculpting or animal husbandry) perhaps i will take the tip jar thing one step further and actually design them for different people around the world...might be fun...

Dec 5, 2006

entropy lawn care service

The cat got me up this morning. This cat is getting too comfortable around me now...it got me up to the:

“meow meow meow....meow...” cat tune....

I thought, “wow this must be important...major cat issue...maybe a cat burglar is trying to get in.” I mean you can't count on a dog to catch a cat burglar...right? It takes a guard cat, trained to kill...amped up on cat nip!

No cat burglar but I open the door for the cat and...

“wheeeeeeeee.....wheeeeeee”

I set off the alarm for the damn house...I paste post-its to the door i normally open but the cat wanted out a different door...

“stupid cat!”

I ran one way, the cat the other and the dog just sat there...peeing on the floor i think...

Welcome to the world of house-sittiing...where just letting the cat out is an adventure!

The current house sit gig I am on is in Florida. So I've gone from California to Florida. I'm now on the west coast of Florida and going to Miami for another house sit and a temporary cash flow situation. Which will be very useful to rebuild some of the cash cache...

Which is very nice now that I have been motivated (by lack of 'dough flow') to move further down the road to voluntary frugality and self-sufficiency...(free lessons from life..so great...)
Then a return trip to California...

The house i am in now requires a hundred dollar a month lawn care service paid for by the homeowner. (That doesn't include picking up the dog crap...in case you were wondering...)

What does an individual actually get out of lawn care? Does a well manicured lawn really make one's life better? I think the lawn represents entropy. A well kept lawn indicates you are keeping entropy at bay, and therefore a worthy system member.

“Social security number 123-45-6789, move to the head of your system class. Your lawn looks impeccable!”

Just about everything that people see is an entropy indicator.

Your car.
Your clothes.
Your hair cut.
How young you look.

We as humans have a tendency to respect the 'entropy tamers' out there. The business man dressed to the hilt, driving a brand new 'beama' without a speck of dirt on it. There is something primal of our respect for order. We just can't help it. No matter how anti-system you are, a part of you says,

“that guy looks sharp!”

We all want to be anti-entropy.

Thing is...maybe that doesn't jive anymore.

I think desire is connected with an anti-entropy concept.

Primitive man has not a choice in the manner...He has to think, “my life is so on the brink of blinking out. I need to desire to survive. The more I have, the more buffered I am from the ups and downs of this crazy world. The more safe I am.”

We have outlived the usefulness of desire. It's an outdated function of your survival mechanism, much like the appendix, or primitive, violent aspects of your brain. Just like the gill slits and tail that exhibit themselves in your development as a fetus, these traits exhibit themselves in the development of your spirit. The fetus of your spirit...these traits too dissipate much like the gill slits and tail...reabsorbed and redeployed in a more sensible manner as we grow.

Looking 'anti entropy' today just means looking 'system'. Your life can look well ordered, like you have everything together, but your 'real life'. The 'real you' could be a alcohol drinking, Prozac popping, 'shrink' visiting....wreck. The need to keep up anti-entropy appearances, can tear us apart...

When you think about it, the system is one big, anti-entropy aiming machine. That's really what it wants. Order on a mega-scale...

The purpose in your life is coming to terms with the contradiction that is this life. Wanting and needing order and yet accepting that the universe is moving towards chaos. And as a modern man or woman, we have an additional challenge, accepting that the system wants us to be part of its machine like, anti-entropy ways without concern for our personal development.

We are to find meaning and some fun in that mission. I put the emphasis on fun...and keep an eye on the damn cat!

One footnote...

Funny, the 'TruGreen ChemLawn' guy just came to the house to spray. It is amazing how whole industries have evolved to keep your lawn green! Very nice guy...just a guy doing his job...

The TruGreen ChemLawn division of ServiceMaster had over $1 billion dollars of revenue for 2005. A billion dollars spraying lawns! That's just one company and just the lawns they spray. Think about how insane that is...

ServiceMaster has other divisions that specialize in these niche markets. They will spray your lawn, fix you plugged drain, and spray for termites. Maintaining a house is a very expensive undertaking, emotionally and financially...

There's aslo the alarm service industry that I experienced this morning...

Nov 28, 2006

'screw your neighbor' elmo doll

We each make individual choices in our lives irrelevant of the system in which we live. Is there any honor when the motive is profit at any cost? In my mind, theresalequeen.com personifies the individual choices we make and their impact upon the world. A worker bee within a massive multi-national oil company is somewhat removed from their actions and the company's impact on the world, for better or worse. In a case such as theresalequeen, however, her motivation is strictly profit, at any cost, even if she has to lie to do it.

Don't get me wrong, I do find her site interesting and markets of all kinds interest me. Stock markets,
real estate markets, even the tickle me elmo market. I cannot condemn her for doing what she does. Who am I to judge? It is very interesting to observe and comment on, however.

But her motives are motivated simply by greed which produces a positive feed back loop, furthering scarcity and greed.

I see a distribution. Both extremes. Individuals such as theresalequeen on one end of the distribution and non-profits and organizations such as the UN on the other end. I believe both extremes are non-beneficial to society as a whole. The mindset that the resale queens of the world hold, is a profit at any cost as long as the 'price is right'. And the UN tries to determine how individuals and sovereign nations should implement change from a central dogmatic view, even if it is with an idealistic and altruistic perspective.

Maybe the resale queen, is just an indicator of how absurd a human's perception of 'need' can get? And isn't human desire an entertaining thing? Especially if there is a profit to be made...





Nov 21, 2006

system zen

 Here's a great perspective...

"Not having enough food to put on the table has never been an issue for me. And yet if I listen to that conditioning, my needs could have the same desperate quality. Depending on who I am and what I'm doing, that voice that tells me there's not enough and that there's something wrong could get pretty desperate because, let's say, everybody else is driving a BMW and I'm not. So it's really pretty important to sort out what's a legitimate need and what's not.

And what about people who really are hungry or homeless?

I spend a great deal of my time with people who don't have food to put on the table, who starve every day. And yet in my experience -- and I think that they would say the same thing -- that fact doesn't have anything to do with the amount of gratitude that they feel. They are grateful for all of the things that life is, for the sunshine, for the trees, for the people in their lives and for the hope of a better life for their children.

I think it's a mistake to say that focusing on what we don't have is a way to get what we want. In fact, the opposite is true. Focusing on not having is the fastest way to not have it."


Nov 11, 2006

it's anti-system, Baby!

So I am visiting my sister and enjoying her newborn baby. So amazing. To see and experience. I have kind of written my ideas of being a Dad off, but it's great to experience a new born baby. This baby is amazing. But the thing that hit me is, they are essentially anti-system. A baby today does what a baby did five to ten thousand years ago. They don't care about what you are driving or what you do for a living. They give us that chance to experience 'just being'. That the nice and great part (right now she is putting her arms up in the air! So cute!) They just bring a room of adults together, just like a dog...beings that are just in the moment...(oh God Cute...)

Funny, she just left the room and the energy level dropped. Now we are joking again and have returned to pre (post?...who knows)baby levels...

Anyway, these little creatures are anti-system, but the system plugged into us craving and wanting them. ON some level, it is a very human desire to want a baby. But in order to raise a baby you have to be plugged in for stability.

That said, I wouldn't want to raise my child as a system drone without thinking. I want to raise an anti-system baby that questions it's own values, identity and morals. I want it to question life and what it wants to get out of it. This is the conundrum. In order to have a child you must to a certain extent be system. In order to raise a questioning and thinking human being you have to be anti-system....

Oct 15, 2006

A 'Window' of opportunity

Microsoft is releasing its newest member of the Microsoft windows family. The evolution of the Windows platform encapsulates the idea of evolution within the technology world which encapsulates the idea of evolution of ideas. I think technology improvement and innovation is how our species is evolving. Forget 'survival of the fittest'. The idea 'died out'. It wasn't fit enough. Humans now are no longer subjects of their environment regarding evolution. It works too slow. The only biological evolution going to occur to the species will be through the hand of man via bio-technology such as gene manipulation.

Back to Windows...

So Vista is a continuing improving product. But it can be better. Microsoft is struggling with keeping others from being 'peeping toms' and peering into Microsoft's Windows. Microsoft is attempting to keep the windows closed, locked and the shutters drawn. That's a Mistake!

Microsoft needs to think of windows as an open market place. Let the user choose between Yahoo, Google and Microsoft search technology. Let the user choose between open office and office. Microsoft needs to remove the resistance that all others are pushing against. An enemy cannot defeat a resistance that does not exist.

Microsoft needs to see Windows as a fulcrum point, where commerce pivots on their turf. They profit no matter who the user chooses to use to research what to buy Aunt Zelda for her 58th birthday. Microsoft can continue to battle for domination of the digital living room. That battle can still be won. But to continue to maintain a strangle hold on the desktop is a losing proposition. Indeed, it doesn't even make sense anymore.

The company Bill Gates founded also has an opportunity to make a contribution to the betterment of the world.

One example, a recent Nobel peace prize has been awarded to Muhammad Yunus for his work with micro loans in his country of Bangladesh. Microsoft could develop the opportunity to work with Grameen Bank (who is implementing Yunus' micro credit loan system) in expanding the operation and movement of capital from the wealthy nations to the poorer. For instance, is it outside of the realm of possibility that Microsoft could bundle within its “Window's Marketplace” OS an interface that allows users to 'invest' American dollars to a micro credit fund that will allocate its resources to the poor? Investors have the opportunity to read about various projects and funded opportunities. Essentially making a Joe System a potential Micro Venture Capitalist (MVC).

These things are possible. We just need the desire...the will...to implement change within the system.

Back to an earlier concept of system shift.

Just as nature detests a vacuum. Humans detest a system vacuum.

We may and will have transitions from one phase to another regarding systems. But a system void will not occur. A system shift can be subtle, just as it has been to the current role of American power and ideological projection throughout the world or it can be unnerving. Such as the system transition into the new world of modern financial markets which was 'necessitated' following the depression. Or it can be jolting...

A Richter type scale can be developed, to measure such changes. This scale, much like log scale of the Richter based upon the amplitude of seismic waves, the 'system shift scale' can be based upon the number of displaced lives relative to the earth's population for a scale of relative change.

I like to compare these system shifts and evolution of ideas of our systems to punctuated equilibrium. Such that long periods of time will pass where very little happens, and in relatively short periods of time, a great many changes occurs.

I believe it is very unlikely that any given individual will experience a dramatic system shift just based upon the relative time societal systems are stable relative to the small number of years an individual is given the chance to experience major system instability or transition (the individual's life span).

Oct 13, 2006

a life of work

Finding temp work that lets you work for a few months at a time...a few months to 'float' and
back and forth. The thought of a life time of 40 hour weeks stretching out before me like a never ending highway is too booooooring...

I'm on the cusp of returning to the world of fulltime employment. And I don't know if i like it. The thought of a regular paycheck seems appealing, but to what end? What are we working for...the number? I don't know anybody that LOVES their life of fulltime employment...I think it is done more out of fear than passion...

A life of house sitting, odd jobs and travelling around seems much more appealing to me...

Oct 12, 2006

A numbers game...

A best selling author, Lee Eisenberg, wrote a book called, The Number. Mr. Eisenberg describes the pursuit of 'the number' as “How much money you will need to secure the rest of your life.” He asks:

Do you know what your Number is?
Do you know how to think about it?
Do you know what you want to do with it?

I think these are all important questions. But the idea itself seems overly absurd. The concept of 'The Number' has put too much emphasis on a number equalling the sum of your life. A number has become the purpose of your life. In the constant pursuit of this number, have we forgotten ourselves?

He mentions there seems to be a trend toward finding more of a purpose in life in retirement. I have seen this phenomena. People spend their whole lives working to retire. They like their work. It gives them a purpose. It may be their primary reason for being and prived a life with percieved value. An entire working life never develops an identity outside of the number and work. If one identifies with work so much that it crowds out other identifying traits, then what does one have when the work is done?

Even if you do not particularly like your work, you put some much time and effort towards it that it begins to define you. The movie, “About Schmidt” hit upon this. So great...see the movie...

But getting back to the number. Do you have a number?

If a very wealthy quirky crackpot wanted to conduct an experiment with your life and offered a check for the minimum amount of money you would need to never work again...what would that amount be? The emphasis is on the minimum. If you inflate the number...if you 'pad' the number our wealthy benefactor would know and strip you of your endowment. So the number must be a minimum you need...what is it?

Slightly different scenario. If you could collect a minimum amount of money...say $15k/year for the rest of your life with Cost of Living Adjustments, but you could never work again for financial gain, would you take the deal?

After all, perhaps freedom is the most extravagant luxury of all...

Oct 11, 2006

System Shift

Civilizations rise and fall, but there is always a system. Our current system (if you just want to consider the 'Good Ole US of A' as our system) is just the latest in a series of system evolutions. While this USA 1.0 is here now, it will change...it will evolve. There will always be a system. Humans cling to systems. We cannot avoid them. Even if we have a total system collapse.

Wall Street chokes, the financial markets shudder, clutch the chest, and collapse from one too many glutton-burgers, thereby throwing us into a new dark age. Be advised, a new system will emerge. It is inevitable.

Our system, our technologies, our ideas. Our ideas undergo the same evolution that species have undergone for millions of years. Only much faster.

Our current system has supplanted that of the natural world. We have created our own “ecosystem”. Instead of trophic levels and transfer of energy between trophic levels, we have capital structures, financial markets and transfer of currencies between them.

Am I cheer leading for a system collapse? No.

Do I think a system realignment is impending? Yes.

Does the human spirit need a system collapse for a 'breath of fresh air'? No.

I think it is the human role to fight for meaning within that system. The system that imprisons us also gives us the necessary equal and opposing force to find ourselves. Just as a physical prison removes our physical freedom and may force us to develop our spiritual freedom; the societal control established to control human freedoms provides us that same opportunity. To develop a freedom independent of the system.

I applaud, admire and believe 'civ-bloggers' are providing a necessary perspective on our current societal status. That 'system joe' who finds purpose in toiling to generate wealth to support his BMW, is better off if he reads a blog about our society ending as he knows it. Our BMW-driving-system-joe friend can have a system collapse on a micro or a macro scale.

Micro collapse: Joe gets fired from his job due to poor sales (something completely beyond his control). Joe goes home and tells his honey of a trophy wife that things are not so good at the office. “But how is this going to affect our lifestyle”, she asks.

Or a

Macro collapse: Currency markets start moving away from the dollar, the dollar gets revalued downward, and Joe's portfolio hits the skids (something completely beyond his control). Once again, Joe is left holding the bag...and his wife is wondering if her bag will say, "Neiman Marcus" or "Walmart"...

Adopting a different world view (something completely within his control) would give Joe a purpose beyond the job, beyond the car (sorry joe...the BMW...) and beyond his portfolio.

Civ-bloggers play a role. A change is coming...A system realignment is in the air.

“Hey Joe, can you feel it?”
 
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