Showing posts with label Finance. Show all posts
Showing posts with label Finance. Show all posts

Sunday, April 21, 2013

Cars, Cars, Cars.


Occasionally someone comments on my indecisiveness. Sometimes I feel caught in the throes of analysis paralysis. (I’m not sure I want to keep that last phrase; it sounds a bit cliche, but I guess I will. Maybe not. Ok, it stays. Unless I find something better....)

But surely I’m not indecisive. I had no problem choosing my tablet (iPad!). Except I wasn’t sure if I wanted 32GB or 64GB. No big deal, because I knew I didn’t want it with cellular ability (well at first I kinda wanted that, but then I didn’t). At least I knew I wanted it in black. Or maybe I just didn’t want it in white. What would I have done if they offered blue? And I knew I wanted the smart cover - but black, navy, gray, lime green?

I’ve decided it’s no fun being indecisive. And that’s final. The time it takes, the angst, the  excel spreadsheets. Ugh. It takes a week for me to book an airline ticket. I can waste an hour on where to go for dinner. Maybe I need to go to indecision anonymous. Or indecisiveness anonymous.

But the car search has taken my indecision to a new level. My history with cars doesn’t help. My first car was a cherry-red stick-shift Chevy Cavalier with a sunroof - that my dad chose, not me. I promptly destroyed the clutch multiple times (scarring me for years until I was forced to drive a manual Honda, which was very forgiving). And I fell in love with sunroofs. (An open sunroof on a cool morning commute to work is a gift from God.) I didn’t have to choose my next car either, inheriting a Delta 88 battleship.

In 2000 it was time for me to buy my own car. I had enjoyed renting some Pontiac Grand-Ams, so that’s what I looked for. I found a blue one for sale (Was it in the paper? Did they have Craigslist back then?) I’ve memorialized it as a piece of junk. Maybe that’s just because it developed a clogged catalytic converter just when I had no savings left from buying a house. (Memories are weird. I can’t remember any other problems it had.) Regardless, it felt like a bad decision.

So let’s add fear of failure to my natural indecisiveness - a delightfully paralyzing combination. I scour Craigslist for hours until I can’t remember what I liked and what I didn’t. I cross-check cars with CarFax and Kelley Blue Book, which disagree with each other. I’ve narrowed down my requirements so specifically that nothing fits: a blue or red Honda Civic manual transmission with a sunroof, no older than 2000, no more than 180K miles, no salvage title, no time in a snow state, under $6000. I thought that was a very reasonable list. (It’s about reliability, control, and good gas mileage.) Oh, and power windows. Power locks, cruise control, and some kind of iPhone integration would be nice, but hey, I’m being reasonable.

Doors! Doors are a requirement.


And...nothing. So I try to be less particular - but I have good reasons for everything. Stick-shifts offers control, power, and reliability; automatics are boring and expensive to fix. No, that stays. I live in California, where the morning temperatures beg for a sunroof. I’ve longed for one for 15 years. That stays. Cars before 2000 are ugly, and can’t be relied upon. Not budging. My car shop only services Hondas, Acuras, Toyotas, Lexi, and Hyundaii - not even Nissans -  and I’m not going to look for a new mechanic. Imagine the angst! If I increase my budget, I have to get a loan. I don’t like it. Fine, I could live with a boring color like silver or white. There - that’s being very flexible, right?

Did I mention I already spent $400 not to buy a car? A black 2002 Honda Civic stick-shift with a sunroof and too much rust from living in West Virginia. Yeah, the dealership charged me $300 to take it to my mechanic, who charged me $100 to tell me “car rusty bad”. And don’t mention the $1,000 on rental cars so I can get around and look for a car. (It ticks up by $30 every day. No pressure.)

My Latest Rental

So this weekend I test-drove a used Civic that is a California native. But the upholstery was an ugly squash color and the headliner was detaching from the ceiling. I took a used Accord for a spin, but it was 5 figures for a 10-year old car and the leather seats were hard as rocks. So I looked at new Hyundais and Nissans (on the hottest day of the year) and their auto loans.

I’m so close to being able to go car-less. I can take the light rail to work, but there’s no reasonable way to get to church, my Wednesday night group, or my counselor. At this rate I’ll wind up single-handedly propping up Enterprise Rent-a-Car for the rest of the year, then I’ll buy a brand new luxury car I can’t afford, get cancer from the new-car plastic fumes, lose my job, wipe out my savings, declare bankruptcy and move back to my parents’ basement to work on their goat farm, building fences and de-worming goats. I might as well cut up my drivers license now. But I haven’t decided.







Sunday, October 23, 2011

In Search of Team USA

Occupy Wall Street: Day 14 -
AttributionNoncommercialShare Alike Some rights reserved
by Long Island Rose
Occupy Wall Street. The Tea Party. The Jobs bill. Job-killing regulation. The flat tax. The millionaire tax.

At work I'm part of a team of about a dozen people. We're a true team. Sometimes a team is just a group of people who sit near each other and have the same manager. My team isn't like that. We share a purpose and core values. And we look out for each other.

Because we're a real team, we want each other to succeed—up, down, and sideways. All of us want to see our manager get promoted, and we tackle our projects knowing that our results reflect on him. For his part, he gives us more responsibility each time we prove ourselves; he rewards us with bonuses; and he spreads the word about our accomplishments and capabilities.

Those of us who are managers do the same for our employees. We build their skills through trainings and increasingly complex activities. We assign projects to match their interests. And we give them credit for the work they do, making sure other teams know what they're capable of.

It works sideways as well. We work together to complete projects for the good of the team and our business partners. We warn each other if a business partner is unhappy with someone's work. And we tell each other—and our business partners—when someone on the team has done a great job.

All of this leaves me wondering—what happened to team USA?

My manager gets paid a lot more than I do, but I want him to succeed anyway. It's not a zero-sum game. Why can't Occupy Wall Street or the Democrats or whomever be in favor of the top 1% being successful at their business endeavors?

The temporary employee who works for me gets paid much less than I do, but I want her to be successful anyway. It's not a zero-sum game. Why can't the Tea Party or the Republicans or whomever be in favor of those on the bottom rungs being successful at finding work and supporting their families?

Maybe it comes down to vision. My manager, his VP, and our CEO have set a vision of growing a company, helping our customers succeed, and doing the right thing for employees. Building a team of 12 takes work, creating a team from a company of 70,000 takes a lot of work, so turning a country of 300 million into a team is...hard. Really hard. But not impossible.

Team USA can solve the unemployment catastrophe and the debt crisis. We need leaders with vision. Leaders who focus on our country's common purpose and core values, not petty differences. I'd like to see our President and leaders of Congress come together as a team that wants each other to succeed. For the good of the Nation. Only through vision, trust, and common purpose—starting at the top—will we see a true Team USA.

Sunday, July 31, 2011

Favorite Apps

I've probably already mentioned that I'm pretty amazed at all the things a smartphone can do. We may not have transporters or warp drive yet, but we're darn close to tricorders. (I'm sure the iPhone 15 will come out with the ability to detect radiation and bone fractures.) In the meantime, here are some of the things of my favorite apps. (I've tried to note the ones that are iPhone only. And no, I'm not paid by Apple. Yet.)


Games: The Heist (iPhone only)
This puzzle game has been so much fun, I’m going to miss it when I’m done with the last 8 puzzles. It has 60 puzzles in four categories. The first type involves sliding Lincoln Logs out of the way to get a vacuum tube across a square to a connector. The second type is a colorful twist on Sudoku, with icons instead of numbers, and a grid that isn’t evenly arranged. These were my favorite. The next set involves a robot that you use to push diodes over to their connection slots. But you’re in a narrow maze and the robot can only push from behind, so you have to stay away from walls. The last group basically consists of picture puzzles, where you have to rearrange the tiles to put them in the correct order. Instead of pictures, the tiles contain snippets of wire that have to line up in the right way to complete one or more circuits. 


Runners up: 


Social Media: Instagram (iPhone only for now, Android in the works)
I think this is a pretty cool concept. It’s Twitter, but instead of 140-character status updates, you upload photos from your phone. If someone is following you on Instagram, they see your photos in their feed. You can “like” photos (by clicking on a heart) and add comments. When you load a photo, you can share it via Twitter or Facebook. You can pull up your photos on any browser at Web.stagram.com, and you can check out statistics at statigr.am. Oh yeah, you can also apply one of 15 different artsy filters. I almost never do; they pretty much all look terrible to me. 


Runners up: 


News: CNN Money
CNN Money does not have the best writing – that has to go to the runners up, New York Times and The Economist. However, the writing is catchy. And it’s light enough that I can read it in between sets when I’m doing bench press or squat workouts at the gym. That’s right, instead of listening to music when I work out, I read. Maybe if someone wrote songs about the news each day – that’s music I’d work out to. 


Runners up: 
  • NYTimes – especially since the speeded up the load time 
  • The Economist – best writing, ever. 


Reference: Google Maps
Seems like I’m always driving someplace new out here, so being able to call up a map at any time is a lot of help. The traffic feature is nice too, since I don’t know the traffic patterns out here either. I am a bit concerned that one day – when the machines decide to get rid of us pesky humans – Google maps is going to give me directions to drive off a cliff, and I’ll just do it. So I occasionally go a different route than the one it recommends. Of course, I always regret it and vow never to doubt Google again. 


Runners up: 
  • Wikipedia – Great for shutting down a conversation debating any fact 
  • Google Translate – I’m working on my Spanish vocabulary 
  • Stocks – To look at the markets more often than a long-term investor should. 


Productivity: Evernote
I’m a total note taker. I have several notebooks of notes I’ll never refer back to. Now I’m saving the trees and keeping that info in someone’s datacenter, where it can be tagged, indexed, and searched. Am I worried that someone is going to hack in and get my data? Only if there is a market for old rental car reservations, Christmas gift lists, and topics I’ve already written about, or no one would want to write about. Hmm…maybe I should be worried after all. 


Runners up: 
  • Notes – I keep my gym workouts on here, instead of carrying around a notebook 
  • Reminders – coming with iOS 5, I’m hoping this to-do list is as good as Apple says.
Those are the apps I like the best and use the most. I'm eager to see what will come out next, as well as anything good out there that I've missed. Let me 

What's your favorite smartphone app?

Monday, June 20, 2011

Apple Addict


Apple IIe -
AttributionNoncommercialShare Alike
 Some rights reserved
by secretagent007
My name is Marcus Chance, and I’m an Apple Addict. The seeds were planted in the ‘80s, when my parents came home with an Apple IIe; the kind with a monitor that showed green text on a black screen. I wrote programs in Apple Basic to help me study Spanish vocabulary.

I strayed when I got to college. My parents sent me off with a PC running MS DOS. It was convenient to have in my dorm room for late night work on my Pascal assignments. But when I dropped my plans to major Computer Science, the Macs in the computer labs did just fine. The environment was more social, and even the Macs seemed friendly.

Mac Powerbook -
AttributionNoncommercialNo Derivative Works
 Some rights reserved
by calamity_hane
In the Peace Corps, I didn’t have a computer at my post at all. I did lesson plans by hand, graded tests by hand, and read books and magazines. Sometimes I counted ceiling tiles. On weekends I would use the Macs in the lab at the Peace Corps office in the capital, but the real attraction was the air conditioning in the lab. I tried bringing a Mac Powerbook to Africa for my 3rd year, but either the humidity or the power grid was too hard on it. Then another volunteer showed up with a Toshiba PC and the game “Civilization”.

Computer games nearly squashed my interest in Apple forever. At grad school I used student loan money to buy a Gateway Pentium PC with Windows ’98 (’98!). Then I bought Civilization II and sometimes spent the whole weekend playing it from start to finish. The Boston Acoustics speakers were a nice touch.

When I joined the corporate world, I truly entered the land of the PC. We just lived with the fact that they would crash all the time and occasionally get completely taken over by some random virus. Still, they were half the price of the candy-colored iMac, and even cheaper with my Dell discount. I replaced my Windows 98 machine with an XP box with more storage than I knew what to do with and a flat panel monitor for good measure. Now we could rent DVDs and basically have a home entertainment system.


iPhone 4 - Courtesy of Apple
But then Steve Jobs came back. And he brought the iPod Touch. And the iPhone 4. And the iPad. Who needs to check email on your PC when you can check it on the iPod? Who needs to play 72 hour Civilization games, when you can finish a game in 2 hours on the gorgeous Retina screen of the iPhone 4? Who needs to stream Netflix on your flat panel, when you can watch the movies from anywhere on your iPad? (Well, I need to, because I don’t have an iPad. Yet.)
  





iPad 2 - Courtesy of Apple
Now I’m in so deep I’m even watching the iOS release conferences. I’m reading the “live” blogging. I eagerly wait for the release date so I can…not buy anything. Because that would be really impulsive. Do I really need another device? How will my iPod touch feel if I abandon it for the iPad? I want to be an early adopter, but I don’t want to spend the money. Or deal with the stuff. But I’m still eying that iPad.


What technology are you addicted to?