Ten Years Of Twelve Months On Whidbey Island

15 years (16? 17?) and done – a ten year photo essay of Whidbey Island’s waterfront nature

“Whidbey Island is more than one place. It is more than one visit. Most tourists carry away a few photos. Few locals get to see the entire island. I hope I’ve made celebrating the island a little easier.”


It has been a long effort and I thank those who followed, encouraged, and even bought art as the project progressed. There can always be more to do (galleries, talks, maybe a compendium) but I declare this something to celebrate, as is Whidbey Island.

Posted in Uncategorized | Leave a comment

Resilient Deer And A Dodgy Device

The deer are here. Seven deer are grazing their way through my front yard. They just survived days of freezing air, freezing rain, rain, snow, and winds. Eat up. My Roku died. What am I going to do for background music, a show to watch during dinner, a possible movie, and white-noise ambiance to help me sleep? I am glad our roles were not reversed. Disasters, or even just bad weather, can put things into perspective and also highlight what’s truly essential.

The deer, my Roku, a few computer glitches, are not news. Or at least, they’re not news for the news. Listen to your friends in real life. The issues people talk about are people, kids, and pets, houses, maybe their cars if they’re not working right. The news is not going to care about the local weather unless they must or if there is a good video of a bit of disaster. The things I’ve heard most about this week have been frozen pipes, housing friends until houses are fixed, driving, flying, food, doctors, – and sports, but I ignore that.

On a personal level, the world is worrying about climate change, politics, and economics. I’m worrying about my broken Roku, an overworked computer that choked on a massive file and subsequently lost a week’s work, a frozen then busted rain barrel, and my car’s low air pressure sensor that is confused by low pressure caused by low pressure. PV=nRT, as I recall.

This is another duh! comment. There is a disconnect between what’s on the news, what’s in social media, and what’s on the minds of my friends. Some of my friends are very concerned with causes that need support and injustices that must be revealed, but they are also talking about their kid’s painting, their new pet’s antics, and whether the roads are free of ice. The volcanoes emptying a town in Iceland doesn’t get as much attention as the mini-earthquake we had 33 miles (km?) beneath us.

It is the nature of a Digital Singularity that change is a constant, and that rate of change is constantly increasing. Keeping up with the news is impossible because we are presented with an overwhelming wealth of insights into the world that we could easily ignore before the internet arrived. And yet, many try. I do, too.

But Nature delivered a series of storms with such regularity that it was if the world was going to see what it took to slow us all down long enough to look around our neighborhood. Here we are, about a week later, and I can see a patch of blue sky, the mountains on the horizon, and the possibility of a nice sunset.

For a week, we worried about those pipes, and roads, and gutters, and trees, and things that were immediate. I used ‘were’ on purpose because they ‘are’ immediate, but as the comforts of civilization return, we pull back to wander outside our close circles. What show should we watch? Are the sporty teams playing? For the more serious, how’s politics – especially this year because every day counts and we just missed a few.

Eventually, we re-establish normality (ha!) and begin ignoring the essentials and assume they will work. When you’re shoveling a sidewalk or driving on ice, the weather is more important than a poll or a caucus.

I was one of the lucky ones. I was anxious the entire time, but my pipes didn’t freeze. Maybe my anxiety made me drip faucets, run lots of hot water, and double-insulate the lines. Cheaper than busted pipes! I burned a lot of firewood in case the power went out when it was 11F, but the power stayed on until some car hit a pole. At least that was when we got back above freezing.

My Roku broke, probably from being dropped so often that I can’t tell which bounce broke it. I shoved so much work through one computer that it clogged, barfed, and trashed a podcast episode I was editing. Another file that I’ve eagerly awaited for months finally arrived, and promptly overwhelmed the computer, and possibly another of my machines.

We’ve entered 2024. I accelerated the publication of Firewatcher a few years ago because the rate of change in the world was about to out-strip the backstory. As I watch what’s happening, or will when I get my new Roku, I think I am right that the acceleration continues. (Hmm. I hadn’t thought about this until now, but everyone could find their personal limit when they disengage and quit trying to keep up.) Great things are afoot.

Intermediate things are afoot, too, because life requires a response, sometimes to disasters, sometimes to deadlines, sometimes to good news.

Immediate things can out-prioritize them all. If the pipes are frozen, worry about politics later.

Politics is on schedule to change this year, and it isn’t waiting. Climate change is rattling our cage by throwing weird weather at us. I even have doubts that our economic system can remain unchanged for much longer. Go ahead, please, add to the list.

It’s a Friday evening, so I’ll write and write, and without the Roku, maybe watch some YouTube, or write some more. I have more than enough food and fuel. I can ignore them for a while. The deer have come out of hiding, munching their way across my lawn. These ones survived. These ones survived and are a reminder that most life does what it can with what it has. That’s how life has worked, continues to work, and is a good reminder that concentrating on the basics and persisting can accomplish much of what I need.

And yet, how long until I get that new Roku?

Posted in Uncategorized | Tagged , , , | Leave a comment

65 Years

65 Years

January 14, 1959. (In no particular order:)

  • Sputnik had launched and was cheered by some, scared many, and cheered and scared plenty. There was a call for aerospace engineers. I eventually became one.
  • World War II was only fifteen years earlier, about as long ago now as the Great Recession.
  • The Great Depression was only about twenty years earlier. 
  • The Roaring Twenties were only thirty years earlier.
  • TVs were black and white and novel, and there were fewer than a handful of channels, and they didn’t broadcast 24 hours a day.
  • Slide rules ruled.
  • Nuclear annihilation was imminent, and the Cuban Missile Crisis was years away.
  • Dwight D. Eisenhower was US President and would be followed by John F. Kennedy.
  • Boeing’s 707 was revolutionizing travel. The 727 was years away.
  • The US Civil War was less than a hundred years ago.
  • Most of my grandparents were immigrants, and the ones from Poland were discriminated against.
  • Pittsburgh was a dirty city.
  • Encyclopedias were books on bookshelves. I read my family’s even though it was years out of date because I was the youngest.
  • Telephones were plugged into walls. There was one per house. Party lines were still common.
  • McCarthyism was over and we had yet to see an assassination, Watergate, trickle-down economics, and politics over pragmatic management.

January 14, 2024

  • I’m certainly not going to list current events, accomplishments, and concerns. That’s what the internet is for.
  • I turn 65. Browse through my books, blogs, and social media posts for three million words describing a subset of my life.

January 14, 2089

Ha! Let’s see…

  • I suspect the Earth will continue to orbit the Sun, and the Moon will orbit the Earth.
  • Life will continue, despite what we do. That does not guarantee that humans will be involved or like it.
  • Geology will continue.
  • Climate and weather will continue.
  • The solar system and the universe will continue. Universes, in the plural, will also continue, if they exist.

2089? I’m not even sure what will survive to 2044. 

Once upon a time, a nationwide radio program interviewed me about my decision to get a 40-year mortgage. I wrote a book about personal finance. Didn’t I understand that math? Sure, I did. I also understood some of the assumptions behind the system. What would the US be like in 40 years? Would there even be a United States of America? Would there even be a dollar? Would democracy or capitalism survive? 

Once upon a time, I was chastised by an engineering supervisor for believing that a computer would have more than one chip in it.

Once upon a time, I was chastised by another engineering supervisor because I preferred to type rather than write in longhand (a term becoming an anachronism) or print.

Once upon a time, I was told by another engineering supervisor that I was being repeatedly passed over for positions and promotions because I was “too comfortable with new ideas.” An interesting declaration considering that I was in research and development at an aerospace company.

I have doubts that the organizationally controlled aspects of civilization and society can continue because change is happening faster than they can change. I have no doubts that individuals will make the changes necessary. I don’t know which influence will be stronger. I don’t know if either will be in time to avoid massive disasters.

I suspect we will give artificial intelligence increasing control, and it will make tough choices that we decide to evade. We may not like the results. We may worse at it, but trusting AI anyway.

I am now officially old, or at least old enough to qualify for various senior discounts. I feel my age, but these aches seem like the ones my Dad had when he was 45. He lived to 89, and felt it was time to go. My Mom died at 72, and one of the doctors took my Dad aside to tell him it was because of a mis-diagnosis. Her doctor didn’t listen to her, nor review her decades-long health log. 

If my Dad was born now, he wouldn’t have spent all, all, of his educational years legally blind. He only learned he needed glasses after he graduated because he tried to get into the Ari Force. He went into the Merchant Marine instead. In almost every job and position, he ended up running things. If my Mom was born now, Wow. Even as is, she started and ran non-profits, including an ambulance service. She should’ve been in politics or diplomacy.

My finances are my biggest worry. I have many worries (a trait I learned from both of my parents, and that story was revealed to me by mental health professionals), and almost all of them trace back to not having enough money to sustain even a frugal lifestyle.

I am also an optimist and know that the work I’ve done, my professional and personal networks, and good luck, good fortune can change that in a moment, an email, a phone call, a social media post, a chance encounter.

I also reflect on a comment I recently heard. 

“The only thing sadder than a pessimistic and poor young person is an optimistic and poor old person.”

I don’t agree, but as I wrote, I reflect on a truth within there.

Change is the only constant. Within a Digital Singularity, as I believe we are, change isn’t constant because it is constantly accelerating. It isn’t a straight line of change. It is a curve that curves out of sight. We can’t see where these changes are taking us. 

That impossibility of a reliable vision makes planning almost a farce, and yet, we must, I must, plan. I think I filled out everything for Medicare and Social Security, and won’t be surprised if I made a mistake. I am human. My current financial position is uncomfortable, so I must plan to make more money or move or both; and I know that can change as I wrote above.

I envy those who have more comforts. I pity those who have had too many comforts. Too many are comfortable and clueless. I am clueless about many things, too; but, my journey has shown me some of the foundations, crumbling or not, at the base of society – and I feel sorriest for those who fell deeper into that basement.

I have a good idea of what is enough for me. I am glad to see it isn’t far from me. And I hope it gets closer and I regain that level of comfort. 

I’m sure by now you know it is my birthday. Actually, I am writing this one day early so I can spend my birthday relaxing untethered from a computer. Be amazed if I don’t log in, anyway.

It is January 2024 in Clinton, Washington on Whidbey Island. The temperature is in the teens. A friend’s pipes froze last night. Others have no heat. This is suburbia, and such things happen in middle-America. We’re due to thaw in two or three days. It is a good time to be thankful for enough food for a month, heat, electricity, health, good plumbing, – and I’ll stop there because, if I start counting my blessings you’ll get bored and I’ll get carpal tunnel. Not everything has to be typed to be respected.

To those who wish me Happy Birthday, thank you. To all of you who have been there to help, thank you. I think I’ll take the Universe’s hint to pause, rest, and relax for a day or so. Then, the future, oy, the future. Let’s see what’s next.

I’d upload a newer photo, but I need a haircut.
Posted in Uncategorized | Leave a comment

One Company One Story – 2023 retrospective

Pet Peeve: end of year retrospectives published before the end of the year, hence, 2023’s retrospective publishes in 2023. But first…


Here comes the amateur legalese.

I began investing in companies and their stocks in the late 70s, but am Not a certified investment professional.

My style and history of investing is described in Dream. Invest. Live., a book I wrote by request – which came out as the Great Recession (the Second Great Depression) began. Don’t underestimate luck. Oops. https://www.amazon.com/-/e/B0035XVXAA

My personal finance blog (a blog about my finances) is: https://trimbathcreative.net/

I am Not an investment professional. This is Not financial advice. 


Persistence produces unexpected products. About a year and a half ago, I started posting a video about a company. So many small companies are poorly covered in the press. I tend to invest in small companies because: 1) they may be overlooked, which decreases demand for the stock, 2) by being smaller they are easier to understand, which increases a possible advantage for an independent investor, and 3) they frequently are in their passionate build-up phase, and I like people who are trying to do good things.

Persistence means that I’ve produced 18 of these videos, and didn’t realize it. Eighteen is also a large enough number to look for trends. The chart above provides evidence why investing in such small companies is risky. Most of these lost lots of money, or at least had a large decrease in their stock price in 2023. That’s what happens to many unprofitable companies. Once upon a time, Amazon was small. They didn’t even demonstrate massive profits until after their stock price began its climb. Until then, it was a worry. Investing entails risk. Here it is demonstrated. Risk can also precede reward.

An irony is that, the two best performing stocks in that chart are companies I owned shares in, and subsequently sold. (RRGB, and AMSC – burgers and superconductors) The five on the right are my current holdings. Within ‘Forward Looking Statements’ (what I consider CEOs’ ‘thoughts and prayers’) are reasons for me to be encouraged. Note: I was encouraged that the good news would happen in 2023, and in two of those cases I’ve been waiting for over twenty years for the good news. Stay tuned.

I can invest in such companies because I am single, have no dependents, have experienced the positive, and am willing to search for companies that are promising despite being overlooked. My book Dream. Invest. Live. chronicles a bit of my personal finance and investing history. The irony was that it was written near a peak. Will I reach that peak, again? It is impossible to know.

The world is dynamic. For me, investing is an active personal response. The world requires new solutions. I am more enthused about our potential solutions because, even within this short list, are companies pursuing solutions in energy, health, sensors, transportation, etc.

The video contains additional comments. I hope you find the blog and the video useful, particularly as a place from which to start asking your own questions.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Why Write

News

As has happened before, this blog has spun off another blog. My writing activities are getting busy enough to deserve their own space, and this blog deserves to concentrate on its original purpose, personal finance. This first post ties them together as they are about to go separate ways.

This blog will continue to publish writing blog posts as writing affects personal finance. That is one of my goals for writing. Frugality is about respecting resources, and my writing is a resource. Being compensated for it is a welcome, and currently necessary, bonus.

You, kind reader, will be spared descriptions of that process; and you, kind reader who doesn’t care about my finances can be freed from such pesky details.

Stay tuned, and sign up for the new blog, too.

Posted in Uncategorized | Leave a comment

Popular Posts 2023

Where to begin? Change accelerated in 2023, and that included changes at the personal level. Sure, the world saw an acceleration in AI, climate change, societal unrest, and technological achievements. In my smaller world I recovered from one job, got another one, quit it because of another one, and had that one end because their industry can feel like it is ending. Forward-Looking Statements from CEOs, their version of ‘thoughts and prayers’, promised but didn’t deliver significant, quantifiable, positive results. Maybe that will happen in 2024. The year also saw the completion and marketing of my first sci-fi novel, my fundraiser book about tea, a ten-year photo essay of Whidbey Island – and the initiation of the sequel to my sci-fi novel, a screenplay about a spoiled teenager’s sudden maturation during the Age of Sail (1876), a ghost writing project, and a book revision. Because of all of the writing, I’m much more likely to launch a blog site specifically for writing. I’m also likely to launch a podcast soon. 2024 will be busy too, evidently.

And yet, the most popular posts to this blog during its lifetime so far remain those about MVIS in 2021. In 2023, the most popular posts were about my job journey, an entry to my new YouTube sub-channel about companies – and my old favorite, my invention for Dockside Tidal Power which actually generated some business-related email traffic.

Over this blog’s lifetime so far:

But within 2023:

2024? I’m not guessing about the global stuff because the acceleration seems to be accelerating. The same is true in my life. Hold on. Wear goggles so you can keep your eyes open in the winds that will follow. And adapt, adapt, adapt.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

Semi Annual Exercise EOY 2023

Ah, 2023, the year that was going to be The Year. It’s not yet midnight December 31, but the outlook is not immediately encouraging. But, if not 2023, how about 2024? This gets interesting.

A commendable effort by all.
Doesn’t look like my portfolio is going to live up to 2023’s promises, though.
#TETisPondering

Allow me to skip the suspense. I think we’re already in, not just near, but actually in the Digital Singularity. We are also in the accelerated version of climate change. Social changes like politics and justice are seeming like the 60s. 

Despite all of that and more, my situation hasn’t changed much. The more things change, the more they stay the same? 

In 2023, I drafted a screenplay, wrote a sequel to my sci-fi novel, recovered from quitting one job that was going through an industry upheaval, got another job, quit it, got another job, and it quit me because of an industry upheaval, and ramped up all of my efforts to sell what I’ve already produced: 8 books, 10 photo essays, and some merch. 

My net worth is roughly the same. My house remains my main contributor to my asset growth. I benefit from being a frugal minimalist, by necessity instead of choice.

So, what was that quote about #TETisPondering about? After holding some stocks for over 20 years, CEOs Forward Looking Statements suggested that 2023 was going to be a good year for investors because the companies had good news. MicroVision is always 6-9 months away from good news. Geron finally applied for FDA approval, but its goals are diminished and its stock is diluted. SolarWindow couldn’t even find its managers to properly file its finances. Lineage Therapeutics looks best, but they promised the least. CEO Forward Looking Statements have the weight of Thoughts and Prayers, nice ideas but not necessarily anything tangible, nothing objectively financially productive.

As usual, I’ll post synopses of each company and each stock on various discussion boards, but the general consequence of their performances is, maybe, next year. Next year, 2024, isn’t far away. This year was last year’s next year, and this year is almost over (as I type in 2023.)

There’s the dichotomy: everything is changing while nothing is changing.

Something’s going to change. 

One thing that changed was interest rates. Reduce the noise to find the one signal that is sending me a clear message. Because interest rates are up, my finances are no longer sustainable. From the vantage point of near the end of 2023 it looks like I will have to sell my house. Considering Whidbey Island’s real estate market, I’ll probably have to move out of the county. (Move From Whidbey Over 1700) This is all happening as I turn 65, so there are changes to Social Security, Medicare, taxes, and senior discounts at the theaters. I foresee many forms, even if it is only Change of Address.

But, good news can happen before any of that has to happen.

So what? This blog is about personal finance. My mid-year and end-of-year posts are about my stock portfolio. That’s why I chronicled that list of changes and failed-to-changes. 

I am a relatively patient person. I persist. That’s how I got my Masters, rode across America, walked across Scotland, and more. I look long-term. I even invest that way. My investing strategy is to buy stock in small companies early, then sell when they are successful. That’s one reason I was able to retire at 38. (See my book, Dream. Invest. Live. for details.)

Some unexpected recent news is that some of the criminals that directly caused my un-retirement have been found guilty. Unfortunately, shareholders like me can only cheer on justice, but don’t get to cheer on recovering the money.

Patience is not unlimited. Some of my stock shares are old enough to vote, serve in the military, and become productive members of society. Instead, they languish and linger, occasionally spouting encouraging thoughts and prayers. 

Infinite patience may be a virtue, but for now, humans are finite. I am human. I am finite. I strive to be responsible, therefore I must respond responsibly; hence, I might have to sell my house and move.

My investing strategy that helped me retire worked for decades. Maybe it was good luck and is now being balanced by bad luck. Maybe the investing world has changed enough from the days of full-service brokers to heavily-discounted brokers to autobots that company fundamentals no longer have value. Maybe I simply must find a way to persist, which is a very human situation. 

Fool me once; shame on you. Fool me twice; shame on me. Fool me for over 20 years – we get past shame and blame, and get into pain, at least financially.

Or maybe GERN will get that FDA approval and can become a good investment. Maybe the same is true for LCTX. Maybe MVIS components sell well in multiple significant devices, and the crossing into success is no longer forward-looking but something historic to cheer and benefit from. Maybe WNDW and SOLO find ways to recover from their upsets.

AI is accelerating. It is no longer a surprise to find it incorporated into anything electronic, a change that happened in a year. Climate change is changing enough that more people have to pay attention, even if only because insurance companies are responding to the realities. Social changes are slower because they involve us pesky humans, and we are committed to those changes even if we don’t know where they are headed. Elections will focus all of those issues, and elevate them out of academic confines and into reality. 

And personal finance is personal. I watch trends, but my trending bank accounts dominate my personal life. AI will affect my employment. Climate and societal changes will affect where I’m interested in living. But my actions won’t seem to be about AI, or climate change, or societal change. I might sell and move because of finances. 

Or not. Change is accelerating to the point that good news can happen in a moment. That’s always been the case, but our interconnected society and civilization extends that web of conduits. There are more opportunities for good news, and it is easier for it to spread and reach me.

In the meantime, I think I’ll start packing, just in case. While I’m doing that, my portfolio can persist, my online stores for my books and photos and merch can persist, and opportunities may prevail to provide reasons for real optimism. 

And, I still buy lottery tickets.


For more details about the stocks, here are links to various discussion boards where you can find my synopses, as well as others’ points of view. For more details about how I do what I do, there’s a book that I wrote at the request of several friends: Dream. Invest. Live. Maybe you can help my personal finances by buying a copy – though the frugal part of me recommends checking one out from a library.

The following links are to various discussion boards I follow. Many of the independent investors who contribute to the discussions provide in-depth analyses that either aren’t available elsewhere, or would cost too much to buy. The other advantage is the diversity of perspectives. Unfortunately, I don’t engage as much as I did before. Some discussions have degraded due to lack of moderators, or overly zealous moderators (oxymoron), or have too many immoderate voices. Some boards are effectively ghost towns, or feel like cavernous empty warehouses. Regardless, here are the sites I continue to visit, even if it is only to lurk and listen. 

I encourage you to tune in, because more voices (as long as they’re mature) make for a better conversation. Maybe I’ll read you there.  

Investor Village (widest range of boards)

LCTX

GERN

MVIS

SOLO

WNDW

Motley Fool (This had the oldest boards, but recently those links no longer work. They have yet to reply to my query about what happened. This is a good example of why it makes sense to keep copies someplace that you control. That is one reason I post to this blog, and also why I post to several web sites because it is harder to lose everything that way. Alas, those first posts for MVIS may be lost.)

Silicon Investor (Relatively older boards, less trafficked, but populated with informed investors)

GERN

MVIS

Reddit (many will cringe, but there’s impressive quality within the impressive quantity of posts and voices)

LCTX

MVIS

SOLO

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

Celebrating Solo Christmas

I know I’m not alone. Christmas movies and carols slip right over reality for about a third of the population. If you’re alone during the holidays, you have a lot of company. Hallmark and Norman Rockwell cover the rest; for the rest of us, we get to define our own traditions. 

Each Christmas is different. Every year is different. Every day is different. Traditions persist despite that. Traditions take effort. They’re worth it. Sometimes, that means celebrating the holiday alone without apologizing.

I have sweet friends. Folks invite me to their events. For where I live, that rarely involves dashing through the snow. Splashing through the rain, well, that’s taken for granted. It may be the one time of the year when umbrellas are more likely to get used. Hat hair doesn’t quite fit the mood. But no one really cares as long as friends are there.

For several years after moving to the Seattle area from the Pittsburgh area, I made the cross-country trip. Six out of seven years, there were weather delays and re-routings. One time the plane landed in Ohio at an airport where it was easier to bus us the rest of the way. One time we landed in Atlanta (not really on the way, either), and I got to enjoy a 25-hour layover in a terminal that was recently opened and largely empty. But, I was able to eventually revisit my family. That year, I bought all the presents in five hours on Christmas Eve afternoon. Whew. And, I got to participate in our traditions. Mom wanted little white twinkle lights. Dad wanted big old color bulbs. I was usually the tie breaker, or the peace maker. 

Eventually, the family drifted around the country and the travel was too disruptive. I stayed home in the Seattle area and started my own traditions based on my family’s old traditions (and my Mom’s recipes.) My tree had big colorful bulbs of light and now-antique historic ornaments. White twinkle lights fit when branches weren’t sturdy enough.

Most of those were alone times, but I adapted. Solo caroling is fun because no one is there to hear if I get the words wrong.

Friends and relationships shifted plans, and for several more years, I followed the invites. I enjoyed them. Equally, I felt that I missed my Christmas. Both things were and are true. It was nice to visit my friends’ Christmases. They put a lot more effort in than I would normally do. But I found that I’d quietly celebrate a personal Christmas some other day or some other way.

A divorce happened and was naturally disruptive, even though I asked for it. I retreated to those old traditions. I ate alone, but rather than feel sorry for myself I was pleased that I’d spent the day baking and cooking, like my Mom did. I enjoyed putting up a tree, as my Dad did. And I had so many leftovers that it was silly and comical. And I realized there was nothing wrong with that. I was celebrating myself, and I was also celebrating my Self.

Sad times happen. They can be eased with friends who understand, but those times can also be tense as I maintained a facade to be in the crowd without disturbing anyone else’s spirit.

Good times happen. Sad times happen. When I’m alone, I can smile or tear up without explaining why. In one internal paragraph, I can feel good and bad and realize how they fit and require each other. There’s a balance to respecting both sides of a story. That’s life.

Lately, I realized I have access to Amazon’s music app on Roku. I’ve been playing carols, of course; but, I’ve also been strangely pleased to find a playlist called “Tears in My Eggnog.” I can’t find the exact song (and definitely found many of the wrong ones) with the lyrics, ” I’m so glad to be sad thinking of you.” It isn’t my favorite song, but it does show how both emotions can exist at the same time.

And I am glad there are parties and gatherings with a dozen people on the day, or the day before the day, or the day before the day before the day, or even the day after. One of my favorite parties was a near-Christmas party that was a spur-of-the-moment dance party at my house. Don’t knock over the tree! Shared joy is amplified. Amplify it!

I have also had holidays with a good friend, or two, or three when I’ve invited them to my traditions, and to bring along theirs, too – as long as they fit in the room. Leave your tree at home, eh?

This year, I expect to celebrate with only me and memories in attendance. Breakfast will be decadent, though I don’t know if it will be early, late, with more fat or more sugar. The main meal will be lunch, but it won’t be a big roast because my freezer is still full with last month’s leftovers. Instead, I plan to make one of my Mom’s get-it-when-you-want-it Sunday meals. She’d make a pan of baked and breaded chicken, baked beans, some sort of potato, and bread; and it would be left warm in the oven to serve yourself when hunger hit, not when a dinner bell rang. Everything after that was leftovers.

I feel sorry for my friends when I describe enjoying/defending my traditions, even alone, because I see the sad and somewhat confused expressions on my friends’ faces. It’s like that look I’ve seen when someone picks a tiny house over a mansion, a low-paying fun job over a high-paying prestigious one, the quiet time by a mountain lake instead of box seats at a football game. 

Christmas, like Valentine’s Day, can be a tough time to be alone. Ads and expectations show charming couples charming each other and those around them. Internal expectations and motivations are harder to illustrate than the external images of two silhouettes connecting. 

Connecting is good. I look forward to it. But not losing bits of me is also good. 

Did Norman Rockwell ever get around to drawing the now-increasingly common single life? It took the news to tell me that more people are spending the holidays alone. It isn’t just me. Fewer couples. More time on-line than in-person – by necessity. Social media can seem to fill the space, but not really. Finances make travel and gifts more difficult. I’m glad my family ships food and gift cards around rather than expensive trinkets. Families with kids probably haven’t changed. Whew.

News tidbits

That first year after a breakup can be tough. But that was also a chance to find out what I wanted and cared about. What do I really miss, and what was there for the facade? Who did I Really wish was there, if anyone? 

It is easier to fall into the swing and let the social flows carry you through until after the holidays, but this is also a time when, for many, work steps back, expectations shift, and I can give my Self time, consideration, silly movies, more drinks or fewer, caroling regardless of how well I sing, and – as sappy as it sounds, and this is the time to say sappy things, moments to celebrate and heal, sweet or sorry as needed, and time to appreciate the past, the present, and the future. No midnight ghosts required.

Posted in Uncategorized | 2 Comments

EVTL – One Company One Story

Welcome to another story and another video in my One Company One Story series.

This time, Vertical Aerospace (EVTL).

Here comes the amateur legalese.

I began investing in companies and their stocks in the late 70s, but am Not a certified investment professional.

My style and history of investing is described in Dream. Invest. Live., a book I wrote by request – which came out as the Great Recession (the Second Great Depression) began. Don’t underestimate luck. Oops. https://www.amazon.com/-/e/B0035XVXAA

I am Not an investment professional. This is Not financial advice. 


Vertical Aerospace is pioneering electric aviation. That’s what they say on their website. There certainly is a new era in aviation as autonomy, electric power, and variants of quadcopters try to find how they are going to fit into our aerial reality. Vertical Aerospace looks positioned to benefit whichever way the trends go, and other companies are too.

Vertical Aerospace

Autonomy is in use, particularly in drone deliveries. The best early passenger test is in the autonomous auto market. They’ve had some traffic issues, and that was only in 2-D. 3-D is more complicated and hazardous because, instead of cars sitting at traffic lights, air vehicles eventually have to land. This will require work.

Electric power is becoming ubiquitous. Range remains limited in aerial operations, but improving battery technology is near. In the meantime, range is expected to be about 100 miles with four passengers; so, operations are expected to be inter-city or city to airport. (Living on an island conjures dreams of ignoring rough waters as the ride makes a few-mile hop. Of course, helicopters can do the same thing, but rarely do so.)

The use of quadcopters for drones and camera platforms means that Vertical Aerospace’s VX4, which has four wing-mounted propellors, is more familiar than it would have been ten years ago even though its props are in a line. It is not a direct comparison, but neither is the other similar vehicle, the V-22. The V-22 has two massive propellors instead. It has been in operation since 1989. Both use props pointed up for vertical takeoff, then tilted for cruise, and augmented by a wing for extra lift.

The VX4, which undoubtedly has variants in preliminary design, or at least rattling around in some engineer’s head, has something most startups dream of: significant pre-sales. According to their website, they have orders for 1,500 aircraft for a value of $6B.

$6B in orders is in contrast to the company’s market cap of ~$160M. Even without a premium, that’s a six-fold return to reach a $1B valuation. Multiply by 6 again to equal the value of those pre-orders, but those pre-orders will probably be delivered over years. And yet, that’s a nice future to work from, especially because success breeds success, and improvements can expand product lines.

Google Finance

Or, innovative vehicles and services can be grounded by conservative bureaucracies. One outlet for the company is the prospect of sales in other countries that may not be as constraining.

Regardless of where the company is going, it’s impressive where they’ve gotten to. Congratulations, all involved.

Certification looks like it is the primary hurdle. That may also be the critical point in the stock price movement. The stock price is less than the price of a lottery ticket. Low price. Big numbers. Classic risk and reward scenario. There’s a big market, but even Boeing and Airbus know that airplane accidents can dramatically impact a stock price. 

There’s a lot for Vertical Aerospace to maneuver around.


I don’t know what’s going to happen; but, I hope they survive and thrive. I’ll be watching.

The video:

Posted in Uncategorized | Tagged , , , , , , , , | 1 Comment

Were 2023s Changes Fast Enough For You

I told myself this could happen. And I knew it wouldn’t happen the way I thought. Maybe that’s why, despite the changes, nothing has changed. Yet. I may have mentioned that I was watching particular trends. I watch trends; but for 2023, I was particularly curious about climate change, artificial intelligence, and something rare for me, politics. Oh yeah, and how they would affect my personal finances. It hasn’t been boring, and the situations are changing rapidly.

As I type this, the date is December 8, 2023. A lot can happen between 8 and 31. That can be good and bad. So, why write now? Today, two news items were part of my feed, both relating to Artificial Intelligence (AI).

A startlingly inaccurate and overly short reminder of the Digital Singularity. As computers become faster, smarter, and more autonomous, they can exceed humans. (Digital Singularity Preparedness)

Here’s a bit more depth and some implications.

The world is changing quickly. Change has been accelerating. It is easy to say this is only a computer thing, but some futurists point out that it took us thousands of years to discover how to control fire, then we plateaued (what a great way to use up vowels in Scrabble) until someone invented cities and agriculture, hundreds of years of exploration, then decades for developing science, then fewer decades for the Industrial Revolution, which lead to years after the invention of computers, and then… Those changes were accelerating, and pardon any non-technical approximations because I’m not trying to do an academic dissertation here. Others have documented it well.

The Digital Singularity is based on the digital, the computer, the technical aspects of change. Previous changes were driven by human time. We also had to enable other human changes like organized societies, experiments in economies and governmental systems, and expanding with the technology as it revealed where we fit into what we consider reality. Now, change is also being driven by technology changing technology. Computers took a long time to develop because humans had to understand what was going on in there. Operating system updates took many years, and still include many flaws. But, as computers have become more capable, those changes are happening more rapidly as the computers can help write the software. At some point, computers can update their own software, or at least the software for the next generation. Thanks for the help.

Now, however, change can happen at computer speeds instead of human speeds. From eons to millennia to centuries to decades to years to months, to…

2023 started with the early adopters wowing over systems like ChatGPT. First, it was a curiosity. Then, AI could get good grades on some tests. A few months later, AIs could pass medical and law exams. Companies started hiring AIs for simple things like Help Chats, writing ads and simple articles, and also stubbing their corporate and electronic toes. The question some people have been asking for a long time was whether there was a limit.

My guess at the speed of change suggested major advancements by the end of 2023. (This is also why my book, Firewatcher, came out in 2022. I wanted to beat the rush, and the rush caught up to me. More on that story about that story in another post and story to come.)

Finally, I get back to those pesky bits of news.

Enough people are worried about how to contain AI. Can the genie stay in the bottle, or is it already out? The news is that AIs can help other AIs break out of their confinement. Oops. Not only is it unlikely that AIs will be perpetually contained, they’ve now demonstrated that AIs can bash the bottles. The speed limit has gone from organic to electronic, from heartbeats to CPU time. Our accelerated civilization may have just been given a boost of rocket fuel. Hit the nitrous!

Ah, but at least we build the machines. That will slow everything down. Except, many processes are automated. Ah, but we control the automation. Except that the other pesky news item was that machines, particularly nano-machines, can duplicate themselves. That’s the grey goo disaster scenario: machines that chew up what’s around them to make more of them, leaving the remaining useless materials as a grey goo that floods our planet.

OK, but let’s get real. Those are two milestones. We haven’t hit the Digital Singularity with changes every few minutes, and the machines are not marching across the world. But are we near practical limits? Will we know it happens before, or only after, it happens?

(Yeah, this will be a long one. I’ll try to pick up the pace.)

Climate change. Oh yeah, that’s easy to summarize – Not. Actually, it may be easier to summarize because its changes have been easier to see. Weather has been bad enough that more people are realizing that this really is something new. Insurance companies are already indirectly convincing people to migrate around climate change because the companies are less likely to issue policies in vulnerable areas. Wildfires and floods and hurricanes seem to be the main reasons that some regions are too expensive to live in, unless you’re willing to take the risk. Even if you are willing to take the risk, lenders may not be willing to help people buy houses there. Ah, but as long as you can pay cash, that’s not an issue. By the way, wildfires and floods and hurricanes sound like the classic elements, fire, water, and air. Earth is too, as landslides happen, but that seems to be less of a mass migration enabler.

None of those disasters is so new that we don’t have names for them. But, they’re happening more frequently, in more places, and to greater extents.

The newer phenomena are things like the sinkholes in Siberia, glaciers melting and calving, and increased desertification. The extreme measures being taken to provide basics like clean water are not side issues. They’re moving hundreds of thousands, maybe millions of people.

This is all happening sooner than expected, faster than expected, and in ways we didn’t expect. And, there doesn’t seem to be enough counter changes. Maybe next year, because more sustainable practices are being enacted by individuals and corporations, some for purely economic reasons.

And that’s probably a good time to segue to (shudder) politics (shudder). A disclosure: I am an Independent, with an emphasis on capitalizing the I. I suspect this next section may not mention any political party by name, so breathe easy or wonder how I can avoid such identifications.

Take politics back a few layers. Think Politics. Think Systems Of Governments.

Many countries are being surprised by their populace. Many people are angry about not being heard, or only the other folks being heard, or corruption that is taken for granted, or key issues being treated as yet another pawn in the game called getting elected, or at least staying in power.

Humans started as social creatures. Some time later, we officially evolved to be ‘humans.’ We became tribal. I am fascinated by the story of Gobekli Tepe, a site from over 10,000 years ago. Some time around there, we began getting organized. Cities, countries, empires followed. From tribes we got chieftains, then royalty, then variations like democracy and republics. (Whew, nearly mentioned some parties.) As well as socialism and communism. I’ll let you decide how theocracies fit in. I don’t think we’re done, yet.

Is there a political system that evolves from our current set of systems? We’ve done it before. And those changes have been accelerating, too. Tribal probably lasted longer than royalty. Our more familiar styles are about 2,500 years old. Socialism and communism seem to be ~250? What will we see in 25 years? Nothing new?

Something will be new because the rest of the world is changing while elected officials decide who gets to hold a gavel instead of actually enabling housing, health, food, education, …

Here’s the way writing works. I didn’t expect to get here, partly because it leads into the scenario that is the back story behind my book, Firewatcher.

Do we reach a point when people are more likely to trust AI than each other? We’re worried about both. People don’t trust people, for ideological reasons. People don’t trust technology because, especially with AI, no one understands it for technical reasons. Gerrymandering? Let computers draw the borders. Elections? Let computers watch the computers. Making tough and unpopular decisions? Humans can procrastinate until it is too late. A logical computer may not have feelings, and may out-prioritize emotions for stabilizing the climate, or providing services essential services. Autonomous cars have accidents, but fewer than humans do, partly because they don’t drink, don’t text, and don’t even sneeze. Doctors aren’t perfect, and neither are computers, but computers can network more extensively and faster than humans.

Since I accidentally steered this discussion right into that scenario, I’ll point out that it is the scenario that initiated my characters’ actions in Firewatcher. In that piece of science fiction, people distrusted people so much that they put the AI, robots, and computers in charge because we were evidently so bad at it. My characters’ response? Leave the planet. (At that point in the story, I let them invent a pocket fusion generator that enabled their flight. Surprise! A company in the real world says they’ve invented one.)

Now, back to reality in 2023.

I don’t know what is going to happen. (#MassiveUnderstatement) But I do know that change is accelerating, and is accelerating in a mathematical way that suggests we’re in the early stages of a technical digital singularity. The changes we are encountering are not theoretical or academic. They are real. We really have to do something about them. We are all individuals, hence, personal finance is personal.

I’d like to find a way to invest in this unknowable future, but I can respond to the situations in and around my life. As a writer, I can see where AI is inevitable and where it isn’t. As a photographer, the same. As a real estate broker, well, that’s doable, but only after several years of turmoil – I think. As a person who helps people with their ideas, yeah, that can work, but too few see the situation we’re in. Human imperfections may be demand because we seek being part of a tribe, something real and human-scaled.

I think AI is going to do more in the background than in the foreground, and the foreground will be fascinating.

I think climate change took us 150 years to get into this mess, and it will take 150 years to turn it around, and 150 years to get it back to this but heading in the right direction. A pocket fusion generator or breakthroughs in math or science can all speed it along.

I think politics can change, I know politics can change; but unless we put the AI or the UN in charge, our fractured society will head through tortuous times.

And then, maybe the aliens show us how to do it.

I can also win more than enough money to let me step away comfortably.

Coming up on 2,000 words? No wonder my arm is getting twingy.

OK. In a few words: Next year’s changes will be faster than this year’s. Any plan that expects things to stay the same for 30 years, like a mortgage, is more fantasy than my science fiction. And yet, plans are necessary. I plan to turn 65 in 2024. As if these other changes weren’t enough, there’s that do.

2024, it won’t be dull. I wonder what will happen before we get there.

Irony alert. I now use Grammarly. Almost all of my posts have been first drafts with spellcheck to polish. Now, I trust the computer to find errors I would miss. See a trend?

Posted in Uncategorized | Tagged , , , , , , , , , , | Leave a comment