Quick Beginnings And Slow Turkey

It is the first Friday in February, and I’m celebrating two beginnings while watching an old show. Julia Child is making a Cold Turkey Galantine. I made two new web sites. I think I had the easier job.

Flashbacks may happen. I’m watching the earliest Julia Child episodes, black and white; dining is more than eating; presentation and appears must be maintained, and be prepared for hours of preparation and hours of cleaning up. A maid may be required. She took a turkey, took all the bones out, added a meat filling (because more meat is almost as important as more wine and more butter), cook it, and then start making aspic and carving shapes and… That’s Julia Child, and that’s French cooking in the days before gluten sensitivities et al.

Tonight’s dinner happens to be taking just as long but that’s because I bought a roast out of the discount bin, and it’s been in the for hours. I’m letting it rest, and will have some after I type this. Minimal effort. That’s Tom Trimbath and whatever label you want to put on it.

In some ways, it has taken less time to start a new blog, (TomTheWriter.com), and a new podcast (IntuitiveCreativity.com) than it took for Julia to cook. That’s not a measure of Julia or me. That’s a measure of how far the internet has matured.

Starting web sites when web sites were a new idea took hours. Take classes. Learn a programming language called html. Deal with slow connections. Eventually launch something that will be public, but to a very small audience because so few were online.

Entrepreneurs relied on old-style advertising, waiting to get into the next edition of the Yellow Pages, and handing out lots of business cards, brochures, and postcards. It took a while and cost a lot.

Now, entrepreneurs can start an online presence using templates and some YouTube classes in the time it took Julia to cook a turkey.

Let me dial that back a bit. The brochures make it seem seamless and quick. For me, it takes a little longer than that. Reality intrudes when details about setting up accounts, adding users, etc. become necessary. But it can be as simple as the cooking equivalent of ‘put the beef in the pan, put the pan in the oven, turn on the oven, then eventually turn off the oven.’ Poke it with something to see if it is done. Dine.

Late last year, someone suggested I get the domain name, TomTheWriter. They may have thought it was a joke, or serious. I thought either and both were fine. I already had a WordPress account. No one else had the domain name. I checked a few boxes, picked a template, answered some typical questions, and now have a new blog (as if I needed another one.) The good news is that, aside for posts like this one, my writing adventures can live over there rather than here, which is about personal finance. It also makes sense because, in addition to 8 books and 10 photo books, I have one sequel and one screenplay in work, with an easy half-dozen more projects in line. They deserve a home of their own.

More recently, a friend and reader of this blog who had an excellent blog told me I should add a podcast to this blog. Thanks for the compliment, but feature creep accumulates and I had enough to do. But. I turned it back to him and said something like, “Fine. When do We start?” He’s a fascinating guy. Why should I podcast alone? Spread the work around. I learned a bit, realized setting up a podcast was easier than I thought, and started the process. It took us longer, weeks, to come up with a name. IntriguingCreativity.com After that the site was up within a day, just an hour or so. Welcome to the overlapping thoughts of a high-level international business consultant and an ex-aerospace engineer. We’re both writers and public speakers, and we enjoy talking about the overlap. Tune in. Episode 1 is up.

Both of these sites are live, and are barely past the ‘put the beef in the pan, put the pan in the oven, turn on the oven, then eventually turn off the oven.’ Some spices have been added. Both templates have been lightly modified, just like the recipes I no longer use, and have been served up without much fanfare. No business cards, Yellow Pages, or postcards.

The frugal side of me finds this fascinating. Our society needs more voices. We have more than enough problems and too many of the old ideas aren’t working. I play with ideas in my books. Steve and I play with ideas in our talks. And it doesn’t take much. Ask me that in the middle of untangling some pesky internet kerfuffle and I’ll disagree mightily, but compared with what something similar would’ve required last century this is nothing to complain about. (But why is that audio faded!?!?!?)

Steve and I are adding our voices to the conversation, though we’ve independently done that for decades and now get to do it on a podcast.

I’m partly typing this to promote our podcast and my writing site (and Steve is excellent at coaching about marketing, which means I’m making him wince with my amateurish efforts); but my main goal is to tell folks that, rather than rant and rave on Facebook, or try to decide what Twitter/X is, give your voice the respect it deserves. The world is changing rapidly enough that we can’t wait until later, for whatever reason. What do you know that we don’t, but we should? We won’t know until you tell us, and by ‘us’ I mean all the people on this planet. It may be silly if we all talk at once, but it is better than only letting the gatekeepers talk and having to hear their party-lines echoed without thought.

Yeah. I started two new ventures. Yeah. I could’ve done it more efficiently. Yeah. Many people could make better looking sites. But I made mine. Please make yours, make it truly yours with your thoughts, not just echoes. We’re all in this together, and I certainly don’t know where we’re going. But I’m trying and having fun talking with people like Steve. I hope I, we, can help. And you can too.

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Fresh Idea – Patient Filtered Sunglasses

Fresh ideas, inventions that I pass along to the world. Maybe they already exist. Maybe they’re useful. Maybe they’re fun. Maybe I don’t have the time, money, and resources to patent them, or develop them, or both. At least by writing about them here I am less likely to forget them. 


The idea is simple. I’ll use my dentist visit for an example. Traditionally, the patient is given tinted glasses to wear to block some of the light from the large overhead dentist’s light. The idea is to tune the wavelength, or polarization, or both of the light and the glasses so the light can be as bright as necessary, and the patient will be blocked from that frequency but not the ambient light or view.

The inspiration came by noticing my hygienist had switched to a headlamp rather than the overhead. That refreshed my experience of working around technical lasers in a lab setting where protective eyewear is required. The irony was that, the very lasers we were working with became invisible – which was the point. (Keep that eyewear on until after you’ve left the lab! And then make sure you take it off because you might look a bit odd at lunch.)

The eyewear I wore at the dentist was familiar, comfortable, and even fit over my glasses. Why not tune the eyewear to the light source and remove any extra distraction to the patient who is looking up at either the big old light on an arm, or even a headlamp on a dentist or hygienist?

Corollaries include any environment where the light source can be tuned. The hygienist immediately suggested tuned car headlights and tinted windows or eyewear. The headlights would still light the road, but the peak distraction could be dramatically lowered. This works as long as the reflected light, which is the light we see from the illuminated objects, would have sufficiently shifted frequency or polarization to be visible to the interiors of all vehicles.


Whether this Fresh Idea is serious or silly, writing about it is also a little gift to me. I enjoy playing with such ideas. Evidently, so do some readers. Years after I’ve posted some of them, they continue to attract traffic. Two of the more popular ones are: Dockside Tidal Power and Passive Pump. Maybe someone else has the resources to pursue them. Maybe they’ll remember where they got the idea and will be gracious enough to include me. Who knows? But the world has many problems. We need new ideas. It is hard to know which ones will make the biggest difference, but if ideas stay locked inside heads, the ideas may be revealed too late, or never.

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Economics Of Distractions

Economics of distractions sounds like a PhD dissertation. Maybe I should go back to college and get a doctorate. Maybe I wouldn’t be surprised that someone else has already written about it. In reality, I’m hearing about football tickets, trying to find a quiet restaurant, and noticing how easy it is to fall into computers and smartphones. Distractions. Distractions. Distractions. What would we, or at least I, do without them?


Pardon me as I do a quick search on the price of Super Bowl tickets. Eep! They start, start!, at over $2,000. The max, according to my search, is over $60,000. Even the average is almost $9,000. For four hours of entertainment? Yipes! A week’s wages, a month’s pay, a year’s salary for the time between two meals. They can ask those prices because they can sell those tickets. And then there is food, lodging, travel, possibly betting, possibly mental health counseling if the team loses, probable infrastructure repair. Fascinating.

As a society, we spend billions of dollars on an event held between millionaires playing for billionaires in stadiums paid for by taxpayers in cities that have homeless and hungry people. Oh yeah, and then there are the ads for luxuries that have little to do with normal people.

I live alone, so no one gets to see me shake my head at the absurdity.

But it is only an absurdity to me.

Sports are popular. They are about games, but the majority of people involved are fans, spectators who enjoy the distraction of ranting and raving about things that can sound vital but are really trivial. Ah, but ranting and raving can be therapeutic, so there’s a mental health benefit. Maybe that’s worth it.


Change of topic

I am a fan of socializing, dancing, parties, basically things where people being with people are the main thing. Conversations are key for me. At someone’s home, it is easy to control the volume. Even dancing doesn’t require blasting eardrums. How else can socializing happen at a social dance event? Head-banging parties are visceral, cathartic, and other multi-syllabic words that ironically describe events where words can’t be heard.

As we come out of our protective shells (possibly too early), I’m glad to see that people want to talk with people. Conversations are happening again, or at least trying to. Restaurants have learned that a loud environment encourages extra spending. People resort to eating and drinking even more when they find they are sitting in a space for long enough. Conversations can last a long time, but look at romantic lovers who forget to eat or drink because they are engaging enough. Try to find a place for a romantic meeting, however, and don’t be surprised if the place charges more.

Want to live someplace quiet, without distractions? Pay. Want a quiet car? Pay. Want a quiet vacation? Pay.


Change of topic

Computers and smartphones (which, of course, are computers) command attention. Life and society existed before them, but now we’ve integrated them into every aspect of our existence. We have convinced ourselves that the answers are in the boxes. Even bureaucracies require us to obey computers, which can frequently be distracting as simply saying Yes or No can inspire a chase of files, usernames, passwords, two-step authentications, updates and downloads. It feels more vital because we’ve done so much to get something done. Paper and pen were cheaper and slower, but use a computer long enough and it must be replaced with something that costs hundreds or thousands of dollars, and comes equipped with software and services that add up to that much in subscriptions.

Television wasn’t immune. How many people need the distraction of watching shows that are preferred to being quiet, or at least quieter?

Be with each other, or simply alone. No ads required. Hyperbole by choice rather than delivery.

I am not immune. Music, shows, videos, movies, I ask them to distract me from overthinking things. Their distractions are welcomed to help me do dull chores. Unfortunately, entertainments become necessities, even though they are not. In the meantime, none of them are free. Even if they don’t charge money, their providers get something from our attentions, and we spend time providing it.

I realized this about myself during the lockdown part of Covid. How to fill the time?

I write. I like shows and movies and such, but I soon realized that I liked my stories more than I liked rewatching other stories, or watching stories about characters who weren’t engaging to me. There may be a nobility to writing, but I realized I was writing as a distraction. Carry me away to, in my case, a science fiction story about people escaping a malevolent Artificial Intelligence, or a fun series of essays about tea, or a possible movie about a 14-year-old spoiled brat who has to grow up quickly on board a sailing ship in 1876. Yes, there’s a nobility to writing, supposedly, and yes, I need the money (and still do); but one of the major influences was how to distract me as a single guy who can’t spend much while responsible friends are acting responsibly cautious?


Summary, sort of

We are born with few distractions. They are vital distractions and we can’t articulate them, even though they are few. As we mature, obligations are layered on us, and distractions provide temporary refuges from those obligations. It is easy, however, to redefine those distractions as vital enough to be worth paying for. Thousands of dollars for a few hours of a distraction? That’s an interesting example of needs and wants, values and morals, peer pressure versus self-care.

Human needs are inherently simple. Life requires little for food, shelter, and such – on an individual basis. Civilized society requires those layers we drape across ourselves and then carry around with pride at being able to handle the burden. Of course, our civilization makes it possible to accommodate billions of people instead of however many can be self-sufficient.

But I remind myself that I have layered myself with obligations, and then lay distractions on to counter their weight.

I wonder what life would be like if sports were played more than watched, if any time and place people want to gather, they could do so with what they can say and do, and if we ruled our tools and used them temporarily rather than continually.

How much more could we get done, how much better could we live, or at least how much more could I do and how much better could I live if there was less time and money spent on distractions?

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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.

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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?

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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.
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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.

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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.

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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.

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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

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