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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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.

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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:

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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?

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Surrendering To Medicare

(Gotta chronicle this now because there are so many details that my memory won’t hold them for long. It may not even want to. If I Had More Time I Could Have Made It Shorter. #IIHMTICHMIS)

Aargh!!! Sign up for Medicare! It’s easy. I’m worried. It sounds like a lot of folks get very confused. OK. I’ll try. Hey, look. It looks easy. Whew. I have some questions first. – Initial questions get reasonable answers; but the questions after those, and after those return contradictions and complexities. Help!

I got help.

It seemed simple. Sign up for Medicare. Transition out of Washington State’s Healthplan Finder system. Turn 65. Done.

But Social Security gets involved. OK. Keep that in mind.

Washington State’s system has deadlines. So does Medicare. None coincide with my birthday, but that’s not a surprise, merely a complexity.

It’s also the time for the normal signup period for my normal healthcare benefits.

Who is in charge?

As if there weren’t enough variables, there’s also the possibility that I’ll be selling my house and moving to another county. (Move From Whidbey Over 1700)

Which comes first?

Throughout, emails and mail packages arrive, many of which are from other insurance companies trying to wedge in here. What’s with that? I’m on Whidbey Island, where the choice is one line long, Kaiser Permanente. (Subsequently proved wrong, but hey, I’m human.)

After tossing out almost all of the solicitations, I am left with over an inch of brochures and information packets. There are more words here than I put in a book. It’s so easy, they claim. Then why so many words? The most ironic to my perspective is “Medicare & You, The official U.S. government Medicare handbook.” A handbook. It’s 8.5 inches wide by 11 inches tall, which is an impressively large hand, and 130 pages long which is thicker than many books. Handbook? Did it start life as small, simple, and convenient, or was it always overwhelmingly large? As a writer, I read a lot. The volume of volumes delivered are more likely to befuddle and confuse than to educate and illustrate.

In the midst of all of that, Kaiser sent me Plan Information, which I ignored for later – and found that it didn’t contain Plan Information, but did include a bill – which became late. A much larger and more innocuous package wasn’t labeled, but it was Plan Information. Oy!

Even now, I’m starting to lose track of who I called first, then next, and when.

I decided to go straight to the ultimate source: my local hospital. I found a person. Yay! I asked them what would happen if for some reason I didn’t sign up right, as in late or filling out the wrong firm, but was admitted in an emergency. Would I be treated? Yes. And most likely, 80% of my expenses would be covered. So, all of this consternation is over who pays the other 20%.

Kaiser said the opposite. If I didn’t sign up for Plan C or D, I wouldn’t have any coverage. Washington Healthplan Finder said yes or no, as I recall, and as I asked more than once.

I feel sorry for anyone in the midst of a medical situation who also has to navigate this, too.

I am also glad that I was directed to a broker who has helped as my befuddled mind capitulates.


Now, pardon me as I approach a deadline and am about to embark on a call with my guide. Let’s see if the solution I am guessing at will succeed.


12 minutes later


Pardon me as I bow to Naomi at J. Johnson Insurance for putting up with the convoluted, messy bit of overthink that had become my brain. We found a solution. Also, pardon me as I open a beer.

OK. Guinness deployed.

Note that I wrote that we found a solution. A solution. A, one, any solution clears the hurdles of getting signed up for something, anything. Naomi has the skills to find an optimum solution, but I added in the extra constraint of relieving my anxiety about the whole mess. Maybe next year I’ll switch from ‘a solution’ to ‘the solution’, or at least something more optimal.

All of this to basically sign up for the Medicare version of what I already have, or at least use.

I make a clear distinction between health care and health insurance. Doctors, nurses, specialists, and other professionals provide care, or at least try to. (I can be quirky in which advice I enact.) Insurance companies are corporations. Ideally, they manage health care costs and payments, but Kaiser has misplaced premium payments and mislabeled bills to the point that I’ve lost confidence in their money management skills. Naomi could find other solutions, but my mental resources have been drained in this endeavour. My brain glazed over as she pointed out some options. She picked up on that. Very astute.

Throughout, the one thing everyone agreed on was that all of this can be changed. It may take a year at most, but it can all be changed.

All of this effort and confusion over who pays for the last 20% for the next twelve months or so. How much waste is created by the millions of people who tackle this mess?

As I understand it, and I won’t be surprised to get at least part of this wrong, Medicare is broken (tempted to leave that line there, but I don’t know it is broken, just signing up is messy) into Part A, Part B, Part C, and Part D. I’ll have Part A and Part B, almost as a default. I’m also signing up for Kaiser Permanente Medicare Advantage Key (HMO), which is a name which must mean something, but tells me nothing. For some reason, the rep at Kaiser left me with the impression that without it, I wouldn’t be covered (by them?) for Parts A and B. Whatever they call it, I think this covers me with Medicare, Kaiser, and concludes my coverage through Washington Healthplan Finder. I think.

Whew.

Everything above this sentence is health insurance, which ideally is connected to health care.

I give credit to my naturopath, who I’ve relied on for health care for several years. (Waters Edge Wellness Center)

For a monthly fee of ~$150, I get more frequent visits, visits that last much longer than 10 minutes, someone who listens and hears from me often enough to know some of the deeper levels beneath some of my issues, and an environment that is relaxed and professional.

The last time I went to a conventional clinic, I fell into an anxiety attack which largely went ignored for an agonizing length of time, and met with a stranger who replaced the one doctor I was familiar with. I never returned. The state’s monthly subsidy to that conventional system is over $1,000 each month.

Imagine the healthcare I’d access if I spent $1,000 per month. Preventative care, for sure. Counseling, naturally. Massage, which my body could benefit from as typing is tightening too many muscles. Maybe even saving up against emergencies.

It is a weird system. I suspect politics, good intentions, inefficiencies in complexities, and more have detoured an ideally very good system into a health system that is expensive relative to the rest of the world. I hold hope that we may learn to learn by others’ examples. Until then, I’m glad I have Naomi and my naturopath on my side. Now, to the rest of that beer – and maybe some stretching.

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Community By Dancers

For those who know me well, the surprise isn’t that I am writing about dancing; the surprise is that I don’t write about it more. And then a series of coincidences convinced me to write about it now. A community of dancers is accidentally showing me how resilience, and resilience is something valuable when the world seems so fragile and frail. My local dance community is changing, again, again.

Let’s start this by clearing up any imagery you may have in your mind about my dancing. I like social dancing. The basic rule of social dancing is, if you are smiling and you did it wrong you still got it right, if you did it right but you are not smiling you missed the point. Some pieces in the picture: waltz, swing, latin, blues, maybe some country; leads, who traditionally were the men, and follows were traditionally the women, and which is pleasantly, if sometimes confusingly, changing; no dress code, usually; and on occasion an undercurrent of relationships, maybe romance, maybe soap operas.

We are near the end of the year. My favorite dance instructor, Janice Eklund, is taking a well-deserved break. Besides, she has commuted to our classes by taking one of the smallest ferries from Port Townsend to Whidbey Island across some of the worst local currents and rushing back to not miss the last boat of the night. Various members of the community wonder what we are going to do. It can seem like an end.

To me, it is possibly the end of a chapter, but not the end of the book, and maybe the chapter gets edited.

Whidbey Island is new. Well… significant European settlement of the island is effectively from the mid-1880s. The original tribes go back thousands of years, of course. I wish I knew more about their dance traditions. As for the Europeans, the first folks on the island were men, more likely barely not boys. They were here for fishing, timber, and farming. They entertained themselves with drinking and fighting – for a while. As they grew up, some invited girlfriends and wives. The women demanded something more social. The island didn’t have power or roads. Life was along the shore. They were frugal folk by necessity. OK, boys, you get to build dance halls. Bands didn’t need electricity. The halls didn’t need much more than a roof, walls, and a floor. The dancers only needed each other. Done.

Wander around Whidbey Island and see old halls in various stages of maintenance and renovation. Realize that some halls are gone. Some are hidden and redefined as they were turned into houses. Sometimes the owners don’t know that history and wonder why the floor is different. Electricity and roads reached around and through, but the consequence is that the island has a lot of halls for relatively few people.

The dance community didn’t jump from 1880 to 2023, nor did it smoothly maintain an official presence. It has, however, persisted.

My dance history reaches back to 1978-ish. I’ve taken classes off and on since then. Having typed that sentence, my back brain will now dive into the rabbit hole while I steer me back to the island’s story. But there was this time in college…

I moved to Whidbey in 2005. I didn’t know anyone, so I started by chatting up the folks who run the businesses in Langley, where I first had an address. They were a captive audience but friendly to a newbie arriving in winter. Small-town businesses frequently do more than one thing to stay in business. So, while talking to one distracted store manager, I asked about the list she was updating. It was a list of people who wanted to take a dance class. One had just finished, and she was organizing the next. She asked if I danced. “Ah, yes, I mean, I like to.” “You do?! What’s your name? We have more women than men. Please sign up.” “OK.”

The story of this particular, unofficial, social dance community is far from linear. Pardon me as I skim past the details, partly for clarity, partly to avoid soap opera and dance politic moments. The instructor who had just instructed had to stop for a while. Family emergencies happen. Someone else stepped in, and backed out before class. Amidst the conversations, I mentioned an instructor I was familiar with from a series of classes he taught with his wife in the early 90s. I was told that wasn’t necessary because some other instructors had been suggested. It turned out that three of us had suggested the lead, though he was no longer married.

Personal connections happen, sometimes separated by decades, and he remembered me. Suddenly, I was one of a few helping him learn about the island, the halls, and general logistics. Oh yeah, and unofficially consulting on his revitalized business. Many of the helpers faded away, but he found a follow who was also learning how to teach. Things got busy.

But, there were no regular dances for our kind of social dancing. OK. So, with no experience, I joined the board of one of the original halls, and started organizing dances as fundraisers for the hall. That worked, and then it didn’t. My fault. I am a minimalist, and not someone who knows how to decorate with ornaments and attract a crowd.

Another instructor was inspired. I went to some of his classes and met some folks who never danced before. The community grows.

A pair of experienced dancers start teaching, too. They were more on the western side, which was a niche that needed filling.

As things go, the instructor I knew for so long faded as he toured Europe and more.

Ah, but Janice, the instructor I mentioned above, had enough experience to start teaching. For a while there was even an instructor helping her who had trained at Julliard. Nice.

Instructors came and went. Dancers came and went. Some set it aside as a hobby they tried for a while. Some dove deeper and went off-island for more classes and more dances.

Now, one of Janice’s dancers has become an instructor, as did someone I met at her first class years ago.

In rough parallel, various dancers organized practice sessions so we weren’t constrained to classtime, and could get better without the performance anxiety of trying something new at a real dance. I started a weekly session on my back deck, which moved to a commune that had a proper dance floor, to a variety of venues like the local gun club, and then to actually renting a hall by asking dancers for donations.

This should seem like a lot of detail, because it is. And this is the short version. And it isn’t over. And that’s part of the point.

Look at LinkedIn and see businesses, organizations, and the subject of TED Talks about community building. There are seminars to learn how.

Or, look around at what people are doing naturally, without a plan, with the barest of agendas, without headlines, without spotlights and accolades.

It is easy to wonder if there will be something to step in as this chapter closes, whether temporarily or permanently. As I said, one of Janice’s instructors is already teaching (and if he gave me a link I’d include it – hint.) Lately, I’ve been hearing about a new set of classes in a new venue. There’s talk about more dances, and that’s in a community with a great history of street dances.

I’m sure there will be dancing. There may be a slight hiatus, but it is good to step back and catch your breath. Dancing every dance is something young people do – and they’re starting to show up again, too.

Being me, my mind takes that realization and expands it. Society seems to be fracturing. I hope it is more of a re-shuffling of the pieces rather than sweeping them off the board and onto the floor. Our wider situation might get much better as long as everyone listens, and everyone is allowed to speak, and everyone is allowed to make up their own mind.

Our dance community has gone through the same things every community has gone through: the various aspects of the human condition, a Great Recession, boom times and bust times; but as people maintain what they want to maintain, we progress.

As usual, I didn’t know this post would end up with that conclusion. Maybe that’s because I write somewhat the way I dance. Something convinces me to move, I try to find the rhythm, and I see where it takes me. (Ask anyone who has danced with me. I rarely know where I’m going, but I try to have fun getting there.)

OK. I’ll play with that line. Find something that convinces you to move, find the rhyme, and see where it takes you. Maybe you’ll be one of the ones who sustain the community. It’s all just a dance. Laugh at it and smile – but apologize if you step on someone’s toes.

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Local Author Book Fair November 2023

Can I use a more boring title? I don’t know. I’m too tired to think of one. I’m also too wired to not write; so, I write. Don’t be surprised. How else do you think a writer can unwind, especially after such an energetic event. For those who weren’t following the social media news (a niche) for Whidbey Island (a niche within a niche) for local authors (a niche within a niche within a niche) Sno-Isle Library System held a book fair at the Clinton Community Hall today. Thank you, Sno-Isle! (Including all of the individuals showed up to help make it happen.

Here’s a non-literary somewhat random romp through my perception of the event.

One measure of how good it was: I didn’t get to visit many of the other 35-ish authors because I was so busy at my table. I think I moved about six feet at most – except for a hug or two from friends who dropped by.

Oh yeah. It was a two-hour event. It could’ve been longer for me. But here’s a peek behind the curtain. It seems like it could just be grab some books, show up, spread them out on a table, have a seat, pack up, go home. Grab some books? Go back several weeks to order more. Prepare signs. Spread the word through social media. Get there two hours early so we can all cycle through the parking lot, then vacate it to save space for the visitors. Set up. Try to make it look nice. Realize something will be left behind. Shrug. Have fun talking to folks for two hours. Walk to where the car was parked. Drive back. Pack up. Get home. Change clothes. Simmer dinner. Reorganize things that got dumped into boxes. Slurp dinner. Put books in boxes back into storage. Procrastinate the bookkeeping. And three hours after the event is over, start writing this post as a way to unwind. The drink I told myself I’d make is another procrastination. Ah, business life as an author.

By the way, book events were easier when I had one book and less experience. I know have 18 different books to sell. That’s acreage in tablecloth, nicely loaned by the library folks. Eighteen books also feel like tonnage. Groan. I might have to buy one of those collapsible hand trucks.

Prepare for embarrassment, like selling a book about personal finance (Dream. Invest. Live.) and forgetting to have cash and change for sales.

Also, prepare for blushing because sometimes compliments look like this (for Firewatcher):

But I had a good pen! A must for signatures.

Breath. Even now, breath, which proves to me how energized these events make me.

Quickly remember lots of smiling faces, waves across the room, hand shakes, a few of those hugs, and a lot of straining to hear a question over the hubbub of the crowd.

Literally beside the hubbub was also some sweet music played by Andre Feriante, who was quiet about being a writer. Andre, thanks for the book!

Bring a stool. I have a folding stool so it is easier to get up if someone wants to talk. Not everyone asks questions. Books inspire thoughts and memories and I try not to get in the way of that. Side note: I think I left the stool outside the hall while I got the car, but I don’t remember putting it back into the car. Cost of doing business, eh?

They had mocktails! And I had a thermos of tea. But then, I wrote a book about tea, so that was a conversation starter. As well as my MargaritaVille shirt that is a souvenir from my bike ride across America (Just Keep Pedaling), my PretendingNotToPanic.com mug, and the slideshow of my photos (which I think kept going to black behind my back.

That’s more than enough, or maybe not. I’m starting to unwind. A yawn just told me so. Good. But, to me, the big thing was the community on Whidbey Island. The visitors and shoppers buying local books and art make it possible for Whidbey to be a creative place. The library system that hosts an event brought us together in ways that haven’t been happening while someday a writers association will rise again. Writers and authors there talked about writing groups, classes, and events. The Island Arts Council has a place for literary arts. There are a few writing groups on Facebook, but I’ll just pass along the one I know about most: Whidbey Authors. And there’s the podcast that I helped start but which is now under new management: writingonwhidbeyisland.com. Thinking of the variety of people there this evening makes me think the writing and reading community are reaching critical mass again. Yes!

And I think that’s the last of my energy for typing this note. Pardon typos. It’s late and there are still photos and links to add. But truly, to writers and readers and anyone who contributes to community – Thank you.

Now, where’s that drink? Or will I fall asleep before I get to it?

Curiosity: Started the car 2PM. About to publish this 10:30PM. It’s almost as if this takes work. Oh yeah, and I haven’t done the bookkeeping. Busy. Busy. G’night. And it was.


PS One comment that I am still mentally processing; “Hey! There’s that dude.” Evidently I’m a dude. I don’t think I’ll put that on my resume, but thanks.

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