One of the best things I've read in a while. Read it.

http://thesunmagazine.org/issues/470/the_hand_were_dealt

Healthcare: the last mainstream superstition

Question:

Have you ever taken a drug that you know for sure works, because you could feel the difference it made?

You trust yourself WAY too much

Think about all the stuff you know, on all the millions of topics there are to know stuff about - numbers, names, relationships, science, history, skills, where you left your keys...
Now think about how many times in your life you have been mistaken about something you had been pretty sure of.

Of all the stuff you "know" right now, a fair percentage of it is wrong.

For some strange reason, nobody seems to notice this, and everyone goes on being sure about all manner of things - frequently including things that there is no possible way they could know for sure.

We (humans) have figured out a fair bit about our own minds.
Our awareness, perception, and recall are all very, very bad; yet we almost all almost always remain confident that our own perception accurately portrays the world outside our heads, that our memories accurately reflect what actually happened.

But you don't have to take my word for it.


The following 3 documentaries are really fun. They are interactive - if you have any doubt about your own limitations, if you don't doubt your self as much as you should - these videos should cure you of that, and grant you some humility.
And they do it in a totally entertaining way.

Watch 'em!!!

The Common Thread

I was at a party yesterday, and I was talking about who knows what, and, I guess maybe because I have an "educated" accent, or whatever, I really have no idea why, she commented that she was surprised I hadn't gone into some field of science.

And I mentioned that I had been expecting to in high school, I had interned in  microbiology and biotech labs, focused mainly on science classes in high school and college, got associate degrees in biology and earth science - but then, by random acts of fate, I had ended up doing semi-skilled manual labor which afforded me not only decent money, but an extremely flexible schedule and the ability to be my own boss. 
I said I still satiated that side of my mind with plenty of reading, and occasional writing.

She asked where I wrote, whether it was just for myself - basically just this blog, and given the size of it's readership, yeah, pretty much just for myself.
and what topics I wrote about, and I tried to think of all the various things I've covered.

She asked what they all have in common.

Nothing really, other than I find them interesting.  And I find of lot of things interesting.  The world is a vast and complicated place.  reality is fascinating.  I really can not comprehend how so many people can willingly specialize, focus on just one area of human knowledge, when there is just so much else out there.  I'm much more interested in understanding a little about everything than everything about a little.

So, yeah, my blog has no theme.
Probably why I will never be able to generate any significant readership.  People subscribe to stuff that focuses on what interests them, and mine doesn't focus on anything.

She insisted that there must be some angle where a common theme could be found.  She said that in what she did, there were always commonalities emerging, even when they weren't obvious at first.

We kept talking more, I elaborated slightly on a few posts, she suggested that maybe challenging preconceptions might  be a consistent thing, and then I realized, duh! it's right there in the header of the blog.

What to Read?

I have been writing since 2006, and if my blogs were a MS Word document (as they are, as a backup), they would take up about 350 pages.
And a whole lot of that is just little random tidbits from my life that I found interesting the day I was writing.

Mixed in among those there are a number of in-depth essays on a wide variety of topics.  There has been no way to easily sift through all the random crap to find the good stuff.

Until now!
Wondering what to read next?
Of 200+ posts, these are (in my personal opinion) the top ~50 most interesting or useful

Comments from the MMM Forums Part 5: OWS / 99%

The 5th of the 5 part series of blog posts taken from the Mr Money Mustache discussion boards, on the politics, economics, ethics and philosophy, of building wealth through frugality.
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By COguy:

Your thoughts on the we are the 99% blog?

« on: November 13, 2012, 01:51:08 PM »

At the risk of seeming insensitive, I wanted to see what all of you folks thought of this.  Is it just complaining? 

http://wearethe99percent.tumblr.com/

It seems to me that if one followed mustachian principles they should get out of sticky financial situations much easier.  Ride a bike, in source everything, etc...Yet, I know I was lucky to be born to good parents and some of these people were not and I feel that that stacks the deck against them. 

Obviously, the medical expenses make sense as being very hard to overcome, but what about the rest?

…

[lots of posts, mostly agreeing that it is in fact mostly whiny pants complainers who dug their own hole and now want bailouts]

…

Comments from the MMM Forums Part 4: Invesment Income Taxes

Part 4 (part 1 was here)...This thread was not intended to be political at all.  But of course someone had to turn it that way.
Someone, meaning me…

…

By Guitarguy:

Did anyone's eyes pop out of their head when...

Romney said he'd completely get rid of all capital gains taxes for people earning less than $200,000 a year off of dividends ect... in the debate tonight? Is that really possible? And how does that affect a mustachian's situation of retirement?

…

By Bakari:

Re: Did anyone's eyes pop out of their head when...

« Reply #9 on: October 17, 2012, 05:49:14 PM »

Does anyone else see something morally wrong with taxing earned income at a higher rate than unearned income?

Set aside the personal benefit we are all looking forward to, once we can afford to live off passive income.

From a strictly objective viewpoint:
person A spends 40 hours or more (plus commute time) a week going to a job and working hard.  On top of the direct value their labor provides to society as a whole, they also contribute a percentage of the income they earn towards the general good in the form of taxes.

meanwhile, person B simply sits around at home (or travels, or has a hobby, or whatever, doesn't matter) and has positive income flow for no other reason than they had money to begin with.  Maybe they worked hard in the past and saved up, or maybe they inherited it, or maybe they laundered it after a crime, doesn't matter, point is they are not working hard now, and for that they are rewarded with not having to contribute to society.

Comments from MMM Forums Part 3: Lets Talk Charities

Part 3 of the ongoing series of posts taken from the MMM discussion board

----------------------------------------------------------------------------------------------------------------

By I.P. Daley :

Let's talk charities - (Afghani brick kilns and us)

Was reading the evening news tonight, and came across the following article in the world news feed:

Afghan family works to pay off crushing debt

Nutshell on the article? Guy gets married, wife gets sick, guy borrows $900 from his employer to get medical attention for his wife. Nine years later, he's still in debt and he and four of his six children (youngest working is 4 years old) are working in the kilns along with him to try and just eat and pay off the debt. And they aren't the only ones:

http://www.un.org/apps/news/story.asp?NewsID=41177
http://www.essex.ac.uk/armedcon/story_id/000786.html
http://www.afghanistan-today.org/article/?id=215

This isn't some new story in the history of man... it's happened before, it's happening right now, and it'll keep happening. This sort of thing even occurs in today's United States, just look at the immigrant tomato field workers in Florida as an example right off the top of my head.

A lot of us give a lot of lip service to frugal living, staying out of debt, being socially responsible, and extol the virtues of the bounty of goods that allow us to pursue financial independence. We also frequently want to punch people in this country in the face for their decadent living beyond their means and wasteful consumerism, and honestly, this article just re-stirs some of that anger because some of these never-to-be-forgiven family life debt balances on loans taken out for basic necessities in the third world are for less money than many people waste on frivolous crap in a month here. A lot of times, we also forget where a lot of these goods that give us the quality of life we have come from and who made them as well as how little (by our standards) it can take to dramatically change their lives.

Comments from MMM forum part 2: Pursuing a Responcible Early Retirement

A continuation of the last post, this is taken from another thread on the MMM forums.
Again, for the sake of brevity, I have included just what I’ve written, along with quotes of what I am responding to, after the initial post, but if you are curios, feel free to click the link in the first post for everybody’s discussion.

------------------------------------------------------------------------------------------------------------------

By: darkelenchus

Pursuing and Maintaining A Responsible Early Retirement

« on: August 01, 2012, 12:07:04 PM »

Purpose & Rationale For This Thread

Since nobody seems to have any real objections to the central argument in sol's thread on how your early retirement might be evil, and since the thread has morphed into a discussion about somewhat tangentially related matters (e.g. justifying charity, differing moral systems, the purpose/value of taxation, sustainable population levels, et alia), I figured it'd probably be be best to start a new thread to begin discussing practical ways of reducing or eliminating the evil in pursuing & maintaining early retirement.

Summarizing the Problem

Okay, so let's identify the areas (in italics) where evil can creep in to MMM/ERE-style early retirement:

MMM/ERE Early Retirement =^df A lifestyle attained and maintained through frugal practices and investment strategies, whereby one keeps a high savings rate during one's working years, eventually reaching the point where return on investment from savings covers all living expenses at the very least, which enables one to forego working a conventional job and thereby free more of one's time in comparison to more conventional working careers.

The thesis is that in pursuing early retirement, each of the three italicized areas above could perpetuate an unjust inequality: viz., the manner in which one executes one's early retirement could support (or at least be dependent upon) a system that denies that same opportunity to others.

• Frugal Practices: If one seeks to maximize one's savings rate by purchasing the lowest priced goods at the best value, one might be supporting businesses that utilize exploitative business practices.
• Investment Strategies: Investing in stocks provides capital to companies that seek to maximize return on shareholder investment. Just as with keeping prices low for the consumer, many companies employ exploitative business practices to maximize that return. Investing in bonds provides capital to many of those same companies.
• Allocating Free Time/Resources: If we will early retirement as a value, it would be contradictory for us to maintain that other's shouldn't have that same opportunity. Merely refraining from perpetuating the system is not enough. We should do what we reasonably can to provide people that opportunity.

If we're concerned with reducing or eliminating this unjust inequality, then we'll have to a) choose frugal practices and investment strategies that at the very least don't exasperate the unjust inequality, and b) actively do what we can to help alleviate it. Below are some of the ideas I've come up with for going about doing this.

comments from MMM economics / philosophy / politics threads

comments from MMM economics / philosophy / politics threads

I am a regular reader and contributor to the Mr Money Mustache discussion board forums.

Its mostly talk and advice regarding money management, DIY projects, bicycling as transportation, energy use, investment strategy, and various other ways to have more wealth by living more efficiently.
Every once in a while, though, a philosophical / political / social topic comes up, and the discussions especially interesting.

Here I have consolidated a number of my input and responses to some of the more intense conversations that have come up in recent months (with quotes of what I am responding to, for context); things which I feel are important and interesting, which respond to very common ideas, but which I never had quite the right formatting to turn it into its own blog entry.
Sometimes you need a good antagonist - preferably someone intelligent and knowledgeable (but wrong) - to play off of, to respond to, in order to make a point coherently.
The indented, highlighted text are quotes that are being responded to.  The further indented, different color highlighted parts are quotes within quotes.

The first 3 were all closely related, and, randomly enough, was spawned originally by a thread on how much the average American spends at Starbucks:

Minor celebrity

Minor celebrity

I guess I'm not all that surprised.

A video I did for an environmental blog (faircompanies.com) was posted on youtube.

http://www.youtube.com/watch?v=EJc8973GURk

It is almost up to a quarter million views!

I have been getting people all over the country tracking me down on Facebook and asking to be friends and asking questions after the see it.

Since there are probably plenty of people with the same questions who don't go to the trouble to track me down, I'm reposting my answers to some of those questions here:

Response to "Turning Hustlers into Entrepreneurs"

·         Apr 27, 2010

Response to "Turning Hustlers into Entrepreneurs"

"Turning-Hustlers-into-..Entrepreneurs" discusses the possibility of increasing micro-credit in order to support independent "black market" business people.  As someone who has been running a successful off-the-books business for several years, I believe the major obstacle is not a lack of credit, but rather a government which is geared toward big business.

As the examples in the article illustrate, people are already doing what they are doing, without capital.  What they lack is official legitimacy.  Many entrepreneurs, such as myself, would love to "go legit", but it is not a realistic option.
I understand and support the idea that government regulate business to protect consumers.  The problem is that government does not take the size of a business into account in the requirements it imposes on operating legally.

For example, a single guy with a pick-up truck doing local deliveries pays the exact same state license fee as a company with a fleet of semi trucks.  The  least insurance available to him is a million dollars of coverage with a 1-2 thousand dollar annual premium, even if he never comes close to transporting a million dollars worth of goods.   Every city he works in requires its own separate business license.  If he needs to hire a subcontractor on occasion, he needs to buy worker's comp insurance at a minimum, and possibly more.  Being self-employed, he pays an additional tax (which an employer would otherwise cover).  And of course by staying underground, he avoids paying any income tax on his business revenue.

All of this can easily add up to thousands of dollars.  That sum may be inconsequential to a corporation with annual sales in the millions of dollars, but to a small independent, going legit would cost me about 20% of my entire net revenue, more than two months income.

The solution to this is not to finance small business to help them pay for theses fees - these fees are annual, and taking loans only increases risk.  The solution is to have license fees proportional to net revenue, instead of being fixed amounts, requiring insurance companies to offer a full range of coverage options, including (potentially less profitable) low limit policies, and restructuring tax code so there isn't a penalty to being self-employed. Similarly, laws making it difficult or illegal to run certain types of business from home could be relaxed, (for example, allowing small scale retail in otherwise residential districts), eliminating the need for a dedicated store-front, a major on-going expense.

Reducing the government imposed costs of running an independent business legally would, without the additional risk incurred (for both the investor and the entrepreneur) by accepting loans or the costs incurred by providing grants.  It would also increase tax revenue, by encouraging existing underground businesses to come above the radar and join the mainstream economy.

Status message, part 2

• Nov 23, 2009

Status message, part 2

My last collection of status messages was way too long.
I wouldn't want to go through and click all those links.
But they were all very interesting!
For reals tho!

So I'm going to post the collections here a little more often.
Plus, then I don't have to write anything new.  Writing is hard.  And time consuming.
And it consumes a lot of calories, having to think so much.

Without further ado, the gmail status messages I have had between my last post and today (most recent at the top):

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Spoiled: The Economic Downturn, Luxury as Necessity, and "Struggling" in the Modern Economy

• Sep 26, 2009

Spoiled: The Economic Downturn, Luxury as Necessity, and "Struggling" in the Modern Economy

My original comment was not meant to imply I don't believe that there are tangible effects on people (most notably unemployment, which is certainly up compared to a few years ago).
All I said was that media and politicians largely made it up.  I think it is a self-fulfilling prophesy to an extent, where in people hear constant messages that times are tight, therefore they cut back on consumption, therefore retail markets fall, therefore manufacturers cut back, and employers start laying people off.  Which fuels the beginning of the cycle even more.  This is why business analysts track "consumer confidence".  In fact, to a large extent it is what the stock market is all about.  Its less a question of how well a company is doing and more one of how popular are they.  If people think its doing well, they buy, which itself drives the stock price up.  It works both ways, so if everyone is convinced the market is doing bad, they sell so they don't lose too much by waiting, and then companies don't have the capital to invest.

-

Bush Jr

May 14, 2009

Bush Jr.

I'll say one thing for Jr.

His press correspondents dinner was much much funnier than Obama's was.  He gets points for that.  I guess there was just so much more to make fun of about him, and he knew it, which, granted, is a very bad quality for the most powerful person on the planet to have.

But still.

I miss the days of making fun of the president.  It was enjoyable.  And it gave a good place for everyone to direct their anger.  Now who are we gonna be angry at?  We're going to have to go back to road rage, and as a bicyclist, motorcyclist, and hypermiler, that's extra bad news for me.  I realize now, too late, that I should have voted for McCain.  In the interest of amusement.  Sure, there is a slight chance we get universal health care within the next decade, but under Jr. we didn't need health care.
Because laughter is the best medicine.







(starts 2 minutes in)

Bringing it to the masses

• Apr 12, 2009

Bringing it to the masses

My friend/co-worker, upon hearing about my truck project, encouraged me (repeatedly) to do a write up for the do-it-yourself website Instructables.com
As it happened, I was working on consolidating my blog posts on the topic for the hypermiling websites from which I had originally gotten most of the ideas I've been implementing.
So I followed the link he sent, signed up, and reformatted the posts to be appropriate for the popular how-to site.

The site was new to me, so it took basically all day figuring out the features and making changes to the content and pictures and tweaking various things. Comments started coming in, and I responded to the comments, and then a site administrator must have seen it and liked it because before the first day was over I was promoted to a "featured" item, which meant my post was put on the site's homepage.

And the views took off. By day two there had been over 4000 views, and it was moved to the "popular" section of the homepage.
Right now (3 and half days since I published) its up to 6415 views and over 50 comments.
One of which was: "I think I might play the aero game on my car now!"

That's the best compliment I could get. If I encourage just one person to drive a little slower, or even do some mods, writing all this up will have all been worth the effort.

It's one thing writing on my own blog, or on a hypermiling website, but introducing these ideas to the general population, that is gratifying.
http://www.instructables.com/id/Vehicle-efficiency-upgrades/

My Brain is in Overload

• Mar 25, 2009

My Brain is in Overload

Reality is mind-bogglingly complex.

Within the past hour I have written/spoken/read about: over-population, foodsustainability, relationships, work hours (I actually had to work 3 days this week!  I don't understand how people put up with this every week),  late fees, and bike repairs.  The last two, ok, because I'm at work right now, but still, so many topics there are in the world, and each with so many levels.  I watched a video about dolphins that blow bubble rings and then swirl the bubble rings around and break them into smaller rings before finally popping them, and how other dolphins have been picking up the technique from those who know it.
Someone painted an AR-15assault rifle pink with a Hello Kitty.

My brain can't handle so much... everything.

I want to get in bed and cuddle and fall asleep feeling someone breathing next to me.

But instead I have to be at work another two hours.

A brief addendum to the free software blog

• Dec 11, 2008

A brief addendum to the free software blog

I just discovered a website which allows bloggers to easily add a feature so that readers can receive email updates when a new entry is posted, rather than using RSS feeds or randomly checking for new entries.

Alternatively, it can be used by readers to receive emails, even if the author hasn't set it up.
I just added one to my biodieselhauling server based blog (http://apps.biodieselhauling.org/blog). See, there it is, right at the top of the page, on the left!

for authors:
http://www.shootthebreeze.net/blogalert/myAlerts.php

If you can not access your source code, see if you can add a "custom script" to your side bar items.

for readers:
http://www.shootthebreeze.net/blogalert/

pretty straight forward, just do it once for every blog (or other RSS item) you want to follow

Its free.
Enjoy!

A practical and useful blog!

• Dec 6, 2008

A practical and useful blog!

No ranting here.

It has come to my attention that a lot of people don't really know about these options.

Chances are, if you are reading this, you have a computer, and if you have a computer, you will probably find one or more of these things useful.
They are free.
And they are even legal.

The first are related to security. Internet relate hacking can be a big problem when someone cracks into your computer remotely and ID thefts you. A bad virus can permanently crash computer. A dialer can rack up 100s in unauthorized phone charges by using your fax line to dial 900 numbers. Mostly its just annoying software that hopes to entice you to buy some stupid crap.
While Norton and McAfee would like you to spend $60 plus a ongoing subscription charge, you can get equally good protection from viruses, spyware, and hackers, all for free.

For viruses, try AVG Free.
 http://free.avg.com/
 For spyware (and a lot more under "advanced, if you so choose) install "SpyBot Search and Destroy"
http://www.spybot.com/index2.html
For a software firewall, there is ZoneAlarm (A firewall keeps people from accessing your computer remotely.)
http://www.zonealarm.com/security/en-us/zonealarm-pc-security-free-firewall.htm (note: they want you to buy the pay version. Read carefully and keep clicking the free options. It is fully functional, and does everything you need)

Some more stuff other people wrote

• Nov 18, 2008

Some more stuff other people wrote

I'll write something of my own soon, promise.
Until then, here are two articles, with some steps you can take in your own daily personal life which will ultimately benefit everyone (not to mention your own wallet and health!).

_____________________________________

Because every time you buy gas, the terrorists win:

(Original artwork by Bakari Kafele)