Finances and Debt

Finances and DebtDragon

I got turned onto The 4-hour Work Week years ago. It helped guide me in so many ways and I spent a year closely listening to Tim Ferris as he began an amazing podcast series which has since gone on to be the #1 business podcast many years running, I believe. Tim spent all this time interviewing many people who run the companies we all use every day. This podcast shares all sorts of ideas, but one that regularly comes up is reducing debt and ways to do that.

Really, the key thing I’ve learned is to try to avoid getting into debt in the first place. But if that’s not possible then reducing your debt takes precedence over other things. If you consider the interest one pays for keeping credit card debt you can see that that can quickly add up over time and can definitely weigh on you in many ways. A way I was able to pay off my college and grad school student loans was by taking a job in the high-tech sector for a couple of years. It was boring work, but it paid very well. Once I had my loans paid off I moved away from that sector mostly. I realize this is not possible for everyone, but if you do have debt figuring out ways to reduce and eliminate it will help you out greatly. I’ll never forget the day I paid off my loans and the smile that crept over my face when I realized I was done with the monthly payments.

I wonder if that’s partly why I’ve been unwilling to start down the road to home ownership. Or, home moanership as I hear it referred to, often. I do think I’ll own a home at some point, but up till now the goal as evaded me. I was actually close, once – during the time I was working for those high-tech companies. I qualified for a $400,000 loan, but I was pretty sure my time in Seattle was coming to a close. Had I bought a house then it probably would have doubled in value in the last 20 years, but what can you do?

Back to debt and finances. Another wonderful resource in this area is Mr. Money Mustache. His tagline is “Early Retirement through Badassery”, and he really walks his talk. I think I’ve learned more about life and how to live a good one from Mr. Money Mustache than any other source. I recommend signing up for his newsletter. It comes out very infrequently, but often has something interesting and different to say about living in our society. One of his main themes is about how to live a high-quality life through things like – killing your commute; what kind of car or truck to buy; the types of phones and phone plans that are out there and his encouragement for us all to learn to repair what we own vs. paying someone else to do it or buying new things.

So, what are your thoughts about debt and finances? If you’ve got anything to add please leave a comment below – especially if you have any great stories when it comes to this topic. I’ve learned a lot over the years from peoples’ comments on my writing and I hope that continues as long as I live.  Thanks for reading and enjoy the day!

Sincerely,

Albert Kaufman, 7.19.21

 

Games

Online Games

Ever since I heard Tim Ferris interviewing Jane McGonigal on his podcast, I’ve been curious about online games. Ms. McGonigal is a brain scientist and she had a terrible head injury and ended up coming out of it SuperBetter! She created an app that helped her recover. She also talks a lot about how games can help us stay connected to our loved ones. That has led to me playing Words with Friends with family members and it’s true – I do feel more connected.

The other main online game I play is chess via chess.com. I’m always looking for new challenges and it’s also neat to play people I know – so, come find me @ https://www.chess.com/member/albertkaufman and we can play together. For 10-minute a-side games, I’m generally rated between 1350 and 1410 if that helps you decide whether or not you’d like to play.

There are many places to find new games, of course. Usually, I get recommendations from friends, but after playing a while I usually tire of the game, but some have stayed with me from my childhood. I grew up when pong first came out and I remember our family gathering around the TV to play and how amazed we were to be able to hit a ball back and forth and young children. I imagine even my parents were amazed and amused by pong.

A place I’ve gone looking for games is https://plays.org/games/. They have everything from silly games like one where you throw a banana at apes to lots more complex games. They also have games for children. I eventually have stumbled on a whole set of board games and found Battleship! It looks like you can find ways to play one another or against a computer opponent. I love the sound effects! I’ll have to go and see if they have some of my other childhood favorites like Risk, Stratego, and the Game of Real Life. So, if you’re headed out camping or to a beach house and are seeking ways to keep entertained but not through a TV, this looks like it could be a very useful site.

And now it’s time to get back to the game of my life! How to beat this 100-degree heat in Portland, Oregon. Part of me enjoys the loopy Summer heat, but I know I’ll have to figure out some ways to stay cool, too.  If you decide to jump in, enjoy the games – leave a comment if you find a game you want to play me in or even if you just find something interesting or notable.

Have a great Summer!

Albert

PS – Snakes and Ladders, anyone?

https://plays.org/battleship/

https://plays.org/battleship/

Me by Zen

Magic!

Zen Achilles turns his friends into magic. Here’s the latest version he did for my 60th birthday in 2021.

And here are some more from the past – enjoy!

Do you have a community, group of friends, or family that you love?

First you get the vaccine then you get the concertsGet yourself and your loved ones vaccinated as soon as possible.

The sooner you get yourself, friends and family vaccinated, the sooner you and they will feel safer and more at ease being together. If we each do this here’s what’s coming:

  • A healthier community, group of friends, family for you
  • Safer gatherings
  • Safer cities and towns

Every summer I’ve been attending multiple music and dance festivals. These will happen again sooner if we all get vaccinated. if everyone around you is vaccinated you’ll be much safer from this disease. I want that for me. I want that for you. 

I’m finding inspiration from the Covid Corps.  We don’t have to wait for the government to lead on this, though. We can take charge of our health and the health of our communities. Please join me – feel free to leave comments below if you have ideas to share.  Spread the word to your community, family and friends – Get Vaccinated ASAP!

Part 2 – once you’re vaccinated, please let everyone know. This will help encourage your friends and family to take this step. Be loud and proud about it. Show a picture of you getting vaccinated – that seems to do the trick.

MasksTo our health!

Albert Kaufman
Portland, Oregon 97215
The United States

here are pics for your social media accounts! C’mon – join me!

I got my Covid 19 Vaccine

I got my Covid 19 Vaccine

I got my Covid 19 Vaccine

If you or someone you know is feeling hesitant, listen to Rachel Maddow’s take.  She gets it. She has a good, compassionate message.

Getting Rid of Gas-Powered Leaf Blowers – GLBs – A Variety Pack of Ideas

How to organize your community to ban gas-powered leaf blowers:

Gas-powered leaf-blowers (GLBs) are noisy and polluting tools. There are better alternatives. Here are some ways our local Portland group, Quiet Clean PDX has gone about trying to encourage people and companies to switch away from using GLBs so we can have a quieter and less polluted urban environment. Feel free to use any of these methods where you live.  

postcard front - no logo - glb

 

Why to have multiple parties for big life moments

Parties: How to!birthday cake

It’s a great idea to have multiple parties for big life moments. When I turned 50 I held 7 events.  Interestingly, there wasn’t much overlap in the various people who came to each one.

I highly recommend this approach. Enjoy!

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