Housing Redefined

A local landslide makes international news because homes are involved. A real estate market is bubbling up along the west coast. Friends are making tiny houses. People are downsizing. Estates are being settled that involve magnificent houses. And of course, my home for sale, alas. Housing is on my mind, and I think housing is being redefined.

Home For Sale

Fans of word play may be disappointed because I am not going to make puns and metaphors from the houses affected by Wednesday’s massive landslide. Sorry, but it is too serious – but I’m sure someone is making jokes when the microphones aren’t pointed their way.

The papers and the people easily handled and described the previous slide in downtown Langley because it was within our easy understanding. Five dump trucks of dirt slid and covered and closed a street. Take a few days, be careful, and it becomes a temporary inconvenience, and maybe eventually only a story – even while being a harbinger. The Ledgewood slide was tens of thousands of dump truck loads, or as another put it, a football stadium filled ninety feet deep. (My mistake. Originally I thought it was about ninety football stadiums of dirt, though I am sure that has happened somewhere.) Before others chastise them for building along a bluff, many of the houses were built far from it. It is hard to remember but, Mother Nature measures earth movements in terms of continents, and regularly scours continents with planetary glaciers or drops them into subduction zones.

Housing is stability. A home is a castle. One of the reasons to own is to no longer be obligated to another person for where you sleep. Given enough land, it is even possible to become self-sufficient. Depending on the land and the household, that’s anywhere from a couple of acres somewhere properly watered to entire desert valleys. But houses aren’t stable. They can be part of slides, swallowed by sink holes, shaken by quakes, washed away by waves, buried under ash, picked up by tornadoes, blown away by hurricanes, and floated away by floods. Each event seems as temporary as its time in the news cycle. Yet, watch for a while and see Whidbey (and much of the West Coast), Florida (and anywhere aquifers are depleted), Japan (and the rest of the Ring of Fire), Indonesia (and any tsunami-prone coastline), Iceland (and any place near a volcano), Greensburg (and any town in tornado alley), New Jersey after Hurricane Sandy (and the rest of the hurricane, cyclone, and typhoon prone world), and Katrina which is now synonymous with New Orleans (though floods happen anywhere there’s water, ask someone downstream of a monsoon.)

Okay, I just spooked myself there. Let’s also keep in mind that houses last a long time. There are probably millions that have stood for centuries. There may even be some that have stood for a millennium.

Houses built for 1000 A.D. were built for a different society and culture, and provided different functions. Self-sufficiency was assumed. Everyone was off-the-grid. That was largely true even a hundred years ago in America. The Rural Electrification Act wasn’t passed until 1936, ten years after my Dad was born. Homes built since World War II gradually became more dependent on infrastructure, became more ornamental than functional, and grew even after family sizes shrunk.

Housing is entering a new instability.

Families are smaller. People are more likely to live alone. There is less formal entertaining. There is less time for home maintenance. A lot of spare time is spent within arm’s reach of a computer. Houses don’t have to be as big. Smaller houses can actually be more fun. This house is the smallest I’ve owned, and it’s the only one I consider home.

Financial pressures are encouraging less expensive houses. Whether caught in the real estate crunch or not, people are taking on less debt. They’re also less likely to see real estate as a stable investment. Of course, the last few years have shaken confidence in almost every style of financial instrument. Smaller houses are cheaper to buy, maintain, and heat. Get rid of a lot of extraneous stuff and find a few hundred square feet work better than a few thousand. Owning a mortgage to own a house is now viewed as risky, and dealing with any upsets in the arrangement reveals a list of negative reinforcements. Some people are building tiny houses simply to be debt-free. They’re willing to give up aspects of their lives rather than have to deal with bureaucracies that control that most vital aspect of modern life, where a person lives.

Cabin by Angela

My money and subsequent housing troubles have sparked fascinating discussions. I live in a creative community, and it looks forward to finding creative solutions. The current favorite, and we’re serious, is for someone to buy my house, and then rent it back to me as a “rent with an option to buy”. Interested? Give me a call. That conversation sparked another. I’m not the only one in this situation. Maybe we spread the risk by getting five owners to buy five houses in the same fashion. Mutual support and motivations result.

There’s more creativity to come. My house is small, and I could live in smaller. But what about the big houses? Estates are being settled that involve houses that are thousands of square feet. People are living in only select floors or rooms because their houses are larger than their needs. A house that raised a family with one child per bedroom and a bath for every bed may be a bit large for empty-nesters but the extra room can be rationalized as guest space; but after one of the partners dies it can become a large empty space that has wonderful memories but a lot of dusting. Who do they sell to? One creative solution is to turn large houses into intentional communities, which sounds innovative but which is really the incarnation of communes of the sixties and communities like the Quakers and the Pilgrims. Maybe a new trend in home renovations will be turning rooms into storage, or studio, or apartments, or even being sealed for later use.

Our society is bifurcating. The majority of the population is moving into the cities where life is much more interdependent. Others are retreating or returning to relying on smaller communities, less dependent on large infrastructure, with smaller obligations to centralized institutions, and a greater resourcefulness. In between are the ever-larger houses built over the last few decades, that may become a suburban vacuum. Too many people have witnessed too much natural and societal instability to lock back into hose large traps. No wonder tiny houses are being built on wheels. You never know why, where, or when you’ll have to suddenly move – and move to something better.

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My Jobs Report Month 19

Nineteen months. Nineteen months ago, just as I thought my portfolio would recover from an earlier decline, it took three massive hits. My optimistic side expected a recovery because the businesses were making progress, even if their stocks weren’t. My pessimistic side knew it was time to begin applying for jobs, just in case. The responsible thing to do was both. Besides, I could always quit looking for a job if the portfolio recovered. I could quit worrying about a recovery if I got a good job. There were a lot of IFs back then. I’ve passed through a lot of those IF gates, with currently insufficient good luck. Hope remains in the IFs that remain, and in the possibilities I haven’t considered.

The good news:
The stock market, the real estate market, and the job markets are recovering.

  • I haven’t heard any friends cheering the markets, maybe it’s because they don’t believe it, maybe it’s because they don’t want to celebrate in front of me.
  • The real estate market is keeping my real estate agent friends busy, and there’s talk that Seattle is starting yet another housing boom and bubble.
  • As for jobs, very few of my friends are jobless. One even went from jobless to having two part-time jobs in less than a month.

The not-so-good news.

  • The global financial situation has a shaken foundation that some question. That’s not good for a system that’s based on faith.
  • The real estate market may be creating a boom in Seattle, but I haven’t seen it yet on Whidbey. My home for sale and the pending foreclosure are in a tight race.
  • And, as for jobs, many people are able to live comfortably by working eighty hours a week and not having a life. Several of my middle-aged friends have lost their jobs or are in fear of losing them. Well, at least some have gotten very good at quickly updating resumes and cover letters.

The sooner-or-laters that I considered in August 2011 evidently weren’t sooner. The laters are stacking up. Small victories can create massive positive effects at this point. A few items have already made a big difference: a gifted truck that allowed me to sell my beloved Jeep, buyers for some household items like my couch, and public and private emotional support. Most of the events are measured in how many days of living expenses are generated because no combination of them have been sufficient to thwart the threat of foreclosure. The items of good news may not be enough to pay the mortgage but I celebrate each anyway. Good news is happening more often. Gain enough momentum soon and the bad news can suddenly fade.

The more substantial good news is actually less substantial because it is only a potential as I type. (Nerd note: Time to collapse some sufficiently positive quantum states.)

  • One friend has referred me for a very nice job doing very good work. Referrals are greatly appreciated because they are more successful than trying to appeal to resume bots, especially, for jobs that require critical thinking and people skills rather than certifications and labels.
  • We kicked-off the indiegogo campaign for the HCLE Virtual Museum. It gets funded, I get funded.
  • Friends are kicking around creative housing scenarios that keep me in my house. The leading candidate is for someone to buy it, rent it back to me, and possibly rent it back with an option to buy. That way they already have a potential buyer lined up for their real estate investment.
  • The movie idea progresses. This long episode in my life is so bizarre that several folks have suggested making a movie about it. We think we’ve found a way to do it. Stay tuned.

There’s even some currently slightly substantial news that could become more than sufficient. Sales of my book about Scotland are picking up in places I’ve never contacted. The reviews are good. Books are essentially lottery tickets written by authors without guarantees. Maybe Walking Thinking Drinking Across Scotland can carry me through to the comfortable life of my daydreams. Buy. Read. Review. Tell your friends. Buying my ebook funds my life a dollar or two at a time.

Walking Thinking Drinking Across Scotland

My friends’ stories help. Whether it is one friend finding two jobs in one month, or Erin Waterman’s significant upgrade, or Angela Ramseyer’s progress with Mighty Micro Built houses, I see inspiration in their success. And I witness that those successes were the result of diligent work that was rewarded in ways they didn’t expect. An astrologer friend told me years ago that I would succeed in ways I couldn’t imagine. I continue to believe her because otherwise it can be hard to imagine succeeding on those days that are filled with rejection letters, mortgage company concerns, and a lack of sales, students, or clients. My friends’ successes came from unexpected directions. What direction will work for me? Will success wait until I am not looking for it?

The unexpected happened on Whidbey today. A few hundred yards of land slid to the sea, cutting off more than a dozen houses. People who never lost a job, who dutifully paid their bills, and who moved to Whidbey for a view of the sunset over the sea had the ground shift from under them. The videos and photos are eye-candy for the news teams. The main message that may be lost was paraphrased from a neighbor. Despite the worries, no one was hurt.

As I consider the sooners and the laters, the potentials and the unexpecteds, I try to keep in mind that this is temporary, the only person that can hurt myself is myself, and as my Dad asks, “Is there food on the table? If so, good. Start from there.” And I do. And I remind myself that my greatest ally is myself. And I pour myself a glass of wine or such, and look at my view and appreciate what I have and what can be. I might just have to wait a little bit more.

a short walk from my front door

a short walk from my front door

PS Want to catch up? Here’s last month’s report.

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Racing For Funds

The countdown has begun! There are only 51 days left! Yesterday, I helped launch an indiegogo campaign. The race to fund the HCLE Virtual Museum finally began to move. There are other countdowns commencing, things that can make a person anxious or eager: foreclosure, taxes, real estate contract, portfolio recovery, job applications, consultant gigs, classes, and collaborations. They all seem to be working to similar schedules. Will the funds I need arrive in time? I certainly hope so. When I ran marathons I always reminded myself, Set My Own Pace, Run My Own Race.

Yesterday, we (Liza Loop and I), launched an indiegogo campaign for the History of Computing in Learning and Education Virtual Museum. Do you remember the 70s and 80s? Within a very short time what, how, and why we learned changed. Computers became part of our world through our workplaces and classrooms. We had to learn about them using old school techniques of lecture and lab. They were the subject. By the end of that short period the computers had become the tool. That was a serious bit of adaptation we went through, and those efforts shouldn’t be ignored. The human species has survived because we’ve adapted whenever we’ve met change. Studying those periods of adaptation teaches us a lot about ourselves, our society, our culture, and how to survive future adaptations. Thousands of documents were produced as pioneering educators documented the change and their best guesses at appropriate responses.

HCLE

Plenty of museums are preserving the hardware. Thank you. Liza realized that no one was collecting the documents, research reports, and software. Back in 2006, she founded the museum by collecting over ten thousand of the documents. Care to add to the collection? HCLE’s museum will be virtual because everything vital to that mission can be stored electronically. The documents can be scanned. The software can be loaded, and run in emulation environments. Even the lessons that are only stored as personal memories can be recorded as audio and video. (We’ve started a facebook page and a twitter feed. Join in!) After a determined up-front effort, the museum can exist virtually, and inexpensively. But there’s a race here, too. The documents weren’t all written on archival paper. Many of them are newsletters run off from the days of dot matrix printers. The software may survive, if it is already stored in the cloud, but only a curated effort will know for sure. And, of course, human memories aren’t immortal (at least not yet.)

(My story: My freshman year at Virginia Tech was the last year they offered a class in slide rule, the first year they required hand calculators for engineers, and an era when I could meet my foreign language credits by learning FORTRAN. That transitory perspective affected my philosophy of life. That’s a much longer story.)

The sooner we get started, the more we can save. Which hopefully, saves time and effort and stress for some future educator. By the way, there’s a fun aspect to this too. Many people learned how to use computers by playing games. We intend to save games, too – and have them available for play in emulations of their original software environments.

Personal Disclosure: The sooner the museum gets funded, the sooner I get funded. Currently, I am the Interim Program Manager, a title I enjoy. Do you notice the “Interim” part? The indiegogo campaign funds the Proof of Concept. Full funding is still being sought through traditional philanthropy. After we get sufficient funding the job title drops the Interim and switches from 1099s to a W-2s, and not just for me. The museum will require dozens of employees (though volunteers are definitely welcome) to sort thousands of documents, catalog, scan, and archive as necessary. There is also a need for folks on the IT side. The museum is virtual, which will be the result of a lot of real effort.

But that’s not all! (That phrase sets of a sensorial suite of insomniac television viewing.) But here, there’s more; because, there are no guarantees.

Indiegogo and I may become very familiar with each other. As I’ve mentioned before, most of the people I know who are in similar situations are working together to find common solutions. There’s a lot of collaboration going on. There’s never been a lack of ideas or energy, just money. Finally with indiegogo, we can reach beyond our island. (It gets a bit silly when we’re all asking each other for money and none of us has enough. Even attending the potlucks gets to be an expensive aspect of the process.) Several of the collaborations are consolidating around ideas that pervade the 47%, or the 99%, or however Occupy is identified now. Some of the ideas, like a movie or two, are topical and should be addressed sooner rather than later, which is appropriate because the participants need the money sooner rather than later. There are a lot of horses in that race.

Through job possibilities that are showing up outside my regular job site search, some very sweet opportunities have been introduced. That’s a nice way of saying we’re early in the process and applications haven’t been filled out because we have to figure out how to get past the resume bots, or the business is so new that they haven’t figured out how to ask the question. It is all good news, and news that works to a schedule measured in weeks and months, rather like the foreclosure process.

My regular business is seeing a quiet, yet impressive, increase in interest. Despite low attendance, people want to take my classes – but maybe in sessions customized for their business or group. OK! Consulting has had a lull in work, but a lengthening list of potential clients. Such communications take place on a weekly basis. I guess I’m popping up on their weekly review of their to-do list.

Money comes in and money goes out. That’s the way the economy works. Personal finance works similarly, and the swirl in which I am working is turbulent. Global economies seem to be similarly confused. I can do my part by setting my own pace, running my own race, and seeing who else I can help come up to speed. We’re in this race together.

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Fell For It

We have met the enemy and he is us.” And who said comic strips don’t contain wisdom? That line is from Pogo, a classic and cancelled comic strip. I’ll make it personal. I have met the enemy and it is me. A few weeks ago the mortgage company gave me a fright, and I’ve been reacting to it almost every day since, without any extra effort on their part. They used my own energy against me. I bow to their martial art. I shall also get back up again and bow to myself.

A few weeks ago I made the mistake of actually trying to talk to the mortgage company again. I’m interested in having a logical discussion about the financial agreement we are operating from, but they come across as relying on emotional tactics, as if accusing me of unseemly behaviour will somehow produce money for them. It sounds like a terrible business model, but they do it so well that maybe it pays for itself. I continue to wonder how many heart attacks they induce, and what the total cost is to society. On February 26th they told me that they’d start foreclosure on my house on March 17th. I’ve been in a panic mode ever since, coupled with the death of my step-mother. It’s been a turbulent month.

Friends and family weighed in. No one goes through exactly the same situation, but enough other people have gone through foreclosures that I have a better idea of the possibilities. By the way, one of the surprises has been how many foreclosures have happened to people making six figure incomes. That would seem to be a powerful symptom that something is not right with the system or the situation.

My fears prompted me to consult with people in the industry. I talked to real estate agents first, and got a wide range of responses. I needed better information. I hired a professional, using money which won’t be going to the mortgage company. A lawyer who works on real estate law took forty minutes to find that there was no clear answer. My active imagination wasn’t going to be bounded. Worries and fears proliferated.

It is now March 20th, and at anytime I may be delivered the actual foreclosure notice. The lawyer did point out to me what the mortgage company had done. Nothing. All they had done was make a phone call. Nothing official happens with a phone call. Everything has to be written and delivered. If I’d ignored that phone call I wouldn’t have had the double stresses of the first half of March and wouldn’t have changed the timing of the notice. I wouldn’t be sitting here reacting to every car or truck that drives by. I wouldn’t have anxieties about opening the mail box.

Ignorance is bliss, eh?

Well, only to a point. It is prudent to be aware of our situation whether it is housing, health, security, or whatever. That’s responsible living. Uncertainty is the ally of anxiety. What if this? What if that? Worrying every ache and pain can drive up health care costs. Scare tactics are one of the reasons I unplugged my satellite dish. The ads for health care were really ads for disease. “Are you going to die from this undetectable illness? How can you know? Call now for details! And don’t forget to talk to your doctor to see if you are at risk.” Daily deluges drove me away. My stress level improved when I streamed shows instead of wading through tortuous messages every 5-10 minutes. I feel much better now, thank you. (Well, right now I have a headache, but you know what that’s about.)

Actually, I do feel much better. Yes, I have a headache, but most of my other aches dwindled. And, yes, I have a headache; but, I also spend less time gnawing on that rock. Imagine how bad it would be if I hadn’t learned that lesson.

My situation is actually comical when put in perspective. The amount of money it would take to postpone this situation is less than what I’d see as a daily swing in my portfolio just two years ago. The amount of income it would take to make this situation go away is far less than what I could make as an engineer. A few days of full-time consulting each month would clear up the issue and steer me back towards thriving. Such small amounts in a different situation have enormous effects in this situation. There are probably people spending more on upgrades to their new car. Yet, yesterday’s portfolio can’t pay today’s bills. A job I can do, but can’t seem to get again, doesn’t help if the paycheck isn’t delivered. The optimist in me keeps in mind that those people visiting my consulting page or hearing about me from word-of-mouth could call at any time. Please pardon a delay as I check to see if it is the mortgage company’s number. The repercussions of their calls are counter-productive.

As an ad campaign, the mortgage company tactics are very effective at dissuading people from wanting a mortgage. I think the tiny house movement is driven more by a desire to be debt-free than a desire to downsize. Cabin by Angela Of course, for some of us, both things are a draw. First, lets see if I can stay in this small house (864 sq. ft.). The long term impact may be the undermining of the housing market at a time when people are downsizing from other trends like smaller families, smaller yards, and a return to urban living.

I’ve studied martial arts to varying degrees for over two decades. One of the simple lessons: when you fall down, get back up. Catch your breath. Shake it out. Try again, maybe with a difference.

My plans remain in effect. Lately I’ve been investigating a few variations. The most noticeable is a series of indiegogo campaigns that may be launched soon. (Indiegogo is a way to raise money for projects via crowdfunding. Trust me, you’ll read more about it soon.) The less noticeable change is a greater reliance on faith. Conventional wisdom is frequently backed by anecdotes, not data. I have to trust that hard work will pay off, that perseverance pays, that good luck follows bad luck, that the dawn follows the dark. If faith wins through, then maybe the fall I take is into a life I can live and love without fear.

Oh, maybe that’s why this particular piece of art just found a nice home, so I’d have a reason to remember that day and smile too.

October Smiles

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Gnawing On A Rock

“He’s worrying that like a dog gnaws a bone.” It is good to take time to consider, well, anything; mostly because for many, it is uncommon to take time for contemplation in today’s frenetic world. A dog knows there’s always something more to get out of a bone: a bit more flavor, maybe break through to the marrow. To many people, there’s so little chewing that they swallow ideas whole, without consideration. Some take time to chew and appreciate what they’ve been served. And a few will chew slowly, finding every last bit of enjoyment available. The trick is to not go too far because sometimes, what we’re chewing on isn’t a bone; it’s a fossil, it’s a stone. Gnawing on a rock might look the same, but the rock will outlast the teeth. I’m training myself to spit out the rocks and find something chewable.

I am frequently asked to review my financial misfortunes, to gnaw on the issue for a bit – yet again. The mortgage company is definitely curious. It is a good idea to consider the situation, look for solutions, and then to work on those solutions; but the effort can become a trap. Think through it once, good. Think through it again, also good; because, it is easy to miss something the first time. Think through it thirty times in a day when nothing has changed, and that’s gnawing on a rock. Enough folks are asking, and I appreciate the interest, that to keep from gnawing on the rock again and again in successive conversations, I’ve decided to provide a synopsis and update of my Backup Plans.

Pre-Plan A – A “Normal” Life
My “Normal” life, a regular job and suburban lifestyle, was outwardly successful, yet unsustainable because it was unhealthy. I’ve wondered if I’d be alive if I’d never left that world. I think I could do well there now that I’ve matured a bit, but we can never exactly go back, can we?

Plan A – Investing
This might yet work, but the portfolio is dramatically depleted through an unfortunate mix of poor timing and a few company misfortunes. Yet, what remains could succeed. (Come on AMSC, GERN, GIG, MVIS, and RSOL! Sooner is better than later, and later may be too late.)

Plan B – Trimbath Creative Enterprises
My business is doing better than ever, though not good enough yet to comfortably pay my bills, even without paying the mortgage. But, this is only March and I’ve already made more in 2013 than I did in all the previous years combined. Years of work and non-recurring costs spent on art and books may finally create a significant (mostly) passive income. Walking Thinking Drinking Across Scotland The marketing does require some tending. The classes hold promise. Next month’s Self-Publishing Weekend Workshop could do very well, and be a lot of fun. The business piece that has the greatest impact so far has been the consulting, a task I truly enjoy. An extra full-day client or two per month and my fortunes improve dramatically.

Plan C – Get A Job
Without a doubt, a good job that compensates me for my skills, talents, and experience would make many money problems go away quickly. My old job at a current salary would get me out of my mortgage issues within two or three months, and completely out of debt within two or three months after that. Within a year, I’d even be able to start into the long list of delayed repairs and upgrades. Even a moderate job would greatly ease those issues. I’ve applied to hundreds of jobs for everything from receptionist to engineer to manager – and have applied around the world. Yes, he will travel! The next phone call or email may be that pleasant positive response: a job I enjoy that pays me well now. How about a nice program manager job in New Zealand? Month 18 of the job search went by. The Month 19 report is coming up soon. Let’s have it include some very good news and the close of the series.

There’s even a new plan Plan B/C – Consultant turns into Employee
One of my clients, The History of Computing for Learning in Education Virtual Museum (HCLE), has granted me the resume line, “Interim Program Manager”. I started as a consultant helping prepare a program plan and produce funding proposals. If the funding comes through, the “Interim” may be replaced with an unwritten “Part-Time”. At least my work would switch from invoices and 1099s to paychecks and W-2s. That will take care of about half of my bills, which is appropriate for a half-time job. Look for the indiegogo campaign, coming soon – and you are welcome to donate privately as well.

Plan D – Sell My Home
On the market since May 2012, fewer than six realtor visits, price dropped from $291,000 to $275,000 to $269,000 – and an expectation that the foreclosure notice will be delivered as early as tomorrow (even though that’s a Sunday). Sell it and I am out of debt! and wandering around Whidbey looking for a room to rent.
Home For Sale

Plan E – ?
Variations on all of the above, including movies, collaborations, winning the lottery, and other windfalls. I always leave that door open.

The odds that all of those plans will succeed is small. The odds that they would all fail is probably equally small, yet here I am. The most likely scenario is that some fail, some succeed, and I enjoy a comfortably frugal life. I’ve had enough of the failures. Time for the successes.

A few times a week, someone who wants to help, asks me to review the entire list without knowing it. They ask me to gnaw on the issue. Surely there’s something I’ve overlooked.

  • Have I considered this or that business strategy? I haven’t tried everything, mostly because there are only 24 hours in a day, and even with only taking one day off every few weeks and typically working until 8pm, I can’t try everything everyone has suggested.
  • Surely I haven’t tried this or that job search technique. Possibly, but eighteen months of trying produced lots of variations.
  • Surely I’ve tried this or that approach to selling my house. This isn’t the first time I’ve sold a house, and I’m sure the biggest issue has been timing and price – and the price is down and the market is rising.

Throughout the conversation I must maintain my optimism for my self survival. They are reviewing everything I’ve done and asking for proof that I tried and proof that it didn’t work. It becomes a litany of failure which is depressing. It is like gnawing on that rock. For some, the review is a search for flaws because we have sincere beliefs that things like optimism, honesty, hard work, earnest consideration, and perseverance will succeed. My apparent lack of success threatens those assumptions. This can be particularly true of coaches and consultants. My situation is challenging what many preach, and what some get paid to espouse. Challenges to fundamental beliefs are usually scary.

Trust me, at the start I thought about this stuff every hour, not just when someone called. Then I realized that nothing had changed since the last time I worked through the logic, considered the options, sketched the scenarios. I realized my mind was repeating work it had already done, wouldn’t make progress until something changed, was wasting time, and depressing me too. I realized I was mentally gnawing on a rock. No wonder I was getting headaches.

Spit out the rock. The rock is the past and it can’t be changed.

The future is less rigid. The future is possibility based on the present. The present is substantial and every moment can be changed to alter the future. A lot of guessing is involved. Hopefully, maturity, experience, and judgment help properly wield the tools of skills and talents. It isn’t certain, yet chewing on something malleable is certainly healthier than gnawing on a rock.

DSC_4058

Fiddleheads are edible, right?

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Slow Disaster Preparedness

Who came up with the word, “preparedness”? Preparations should be good enough. Regardless, one of the signs of adult responsibility is being prepared for disasters. FEMA and the Red Cross suggest each of us having days of supplies and a list of emergency gear for unexpected emergencies. It is easy to plan and prepare for quick catastrophes; especially, if those catastrophes never happen and those preparations aren’t tested. The slower the disaster, the harder it is to generate enthusiasm for the task of preparation; and, the longer the trial that tests our plans. As I type this I also realize that the reverse is true.

Wham! I live in an earthquake zone. My home is over one of the busiest faults in Washington State, a geological region that gets fewer but much bigger quakes the California.

Looks sweet, and the fault goes under that point of land.

Looks sweet, and the fault goes under that point of land – and the tsunamis sweep past it and up the bay.

Subduction zones do that. Without warning and within seconds the ground can raise or lower a dozen feet or more. It’s happened before. It will happen again. It is the same situation that caused devastation in Indonesia and Fukushima. There’s no warning, so everyone is recommended to keep those days of supplies at home, and to keep an earthquake kit in the car. Bridge failures, of even just the worry about them, are enough to stop traffic and strand people. Make sure you have good walking shoes.

Tsunamis happen. There’s a bit of warning. If one happens because of a local earthquake, then the quake should be the biggest alarm bell rung as warning. Drive around Whidbey and find plenty of Tsunami Warning Zone signs. A tsunami in my neighboring Cultus Bay could wash away the only road leading to hundreds of homes. Ah, but there’s an informal plan for that. I suspect we’d find some way to wind up and down through private driveways and across large estates if the damage lasted too long. The main preparation, if you’re worried about waves, is don’t live at sea level.

Within a few minutes walk or drive I can see three volcanoes. They give a bit more warning. Make sure there are air filters for people and the cars. Hope the highways and railroads don’t get blocked by ash in the mountain passes. Food might be scarce in that case. Of course, earthquakes could ruin that avenue of food too.

The most warning we get are from the same hazards experienced worldwide: storms. Thanks to satellites, computers, and meteorologists we get days of warning. Their accuracy isn’t 100%, but weather forecasting is far more accurate than earthquake, tsunami, and volcano predictions. It’s because of storms that I have plenty of flashlights and batteries, canned food, candles, warm blankets, firewood, bottled water, and such that just happen to be useful for the other disasters. (I think that’s an excellent excuse to maintain stores of wine and cheese.)

I could be quite proud of myself for my preparations. I even carry enough gear in my car to chop through downed trees, drive through deep snow, and camp in my car if necessary.

The planning can actually be entertaining. If this happens, I’ll use it as an opportunity to do that. Resourcefulness gets tested. I think that’s one reason survivalists can get so involved in preparations; there’s a lot of opportunity for resourcefulness, which is another expression of creativity.

Frugality is a natural preparation for necessary resourcefulness. The appreciation of a thing’s value opens a lot of potential.

The harder disasters are the ones with the least warning. Personal illnesses and financial misfortune can encroach into lives gradually. Optimism sometimes wins and situations improve before the worst occurs. Hopefully, optimism doesn’t delay remedies. Pessimism can inspire immediate action, but over-reacting can cause problems and even invent non-existent ones. Hypochrondia and paranoia happen. Guessing at the right pace of response is never a sure thing. That’s why it is to plan for old age and retirement. Look at global warming and the questionable financial system and realize that the same thing happens on a grander scale. Unfortunately, global crises happen so slowly that urgency doesn’t arise until damage is done.

I plan a lot; not just for geological and meteorological disasters. I had plenty of plans for my investments and my life. The current assessment of those plans is insufficient to appease the mortgage company and my expectations. Simply said, Plans A, B, C, and D haven’t worked well enough. (For a primer on my Plans, read Backup Plans.) My home, house, mortgage will probably go into foreclosure within the next week. Even consulting with agents and a lawyer hasn’t revealed what I should plan for. Do I lose my home in weeks, months, or years?

Of course, I plan to pay my bills, my debts, and fund my future. That’s why I am actively executing Plans A, B, C, and D. Working on so many plans is also why I don’t get out much. The currently insufficient performance is also why I buy lottery tickets.

Winning the lottery would be as sudden as an earthquake, but far more welcome. Selling my house would be more like the positive (though bittersweet) version of a tsunami. Home For Sale A recovered stock portfolio would be more like a welcome storm. Getting a good job, or my business becoming profitable enough for me to live comfortably would be more like the long term systemic plans – wait – they would almost exactly overlap those examples of retirement planning I mentioned above.

The last few weeks have been a challenging turmoil of bad news with threads of good news. Money owed to me is being paid back. Reciprocal sales are causing money to go from person to person and back to person again with goods and services exchanged in the process. Except for that more than pesky foreclosure, life is improving. And maybe that bit of life will improve too. I’ve made many preparations. Now they are being tested, slowly.

But, really, all debates aside, winning the lottery of gaining some other windfall would be so nice. Who knows? I might get to tell that story too. There’s probably no way to prepare for that one, though.

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When We Can Mourn

Please pardon the delay. Here it is, late Sunday afternoon, and I am just getting around to typing my Saturday morning blog. Nine days ago there was a death in my family. Since then, every day has been full of logistics and details with too little time for respect and reflection. I notice deaths more because of facebook. Until we develop immortality, death is a consequence of life. Friend’s posts make me much more aware of its constant presence within any circle of friends and family. A life should be paid proper respect, and the survivors should be given time to acknowledge, accept and adjust; unfortunately, the traditional mourning period now includes paperwork and procedures. When can we reflect? When can we mourn?

Some readers have asked for details; but, while I live out large portions of my life in public via my writing, I also think that some topics deserve discretion. Just because technology means we can reveal everything doesn’t mean we should. Privacy is essential to being humane in human society.

One candle

The generalities are pervasive enough. I’ve witnessed many people pass through a similar story. With news of the death, there’s a day of transition: dramatically reassessing priorities, shifting schedules, and changing spending accordingly. For some, there’s a day of travel. Helping the closest ones with basic housework is obvious. They are probably emotionally overwhelmed. Ailments may provide warning; but, how do people deal with sudden deaths like accidents? Processing emotions is a big enough task without worrying about cooking and cleaning. Then there’s an event or two or three, depending on any stated desires and the community response. Before and after, there are calls and cards from friends and family. Answering them all can be a full-time job. Eventually, the daily adjustments happen. Shared chores are taken on by one less, and lessened by the needs of one. Old routines are redefined. Eventually, visitors return home, maybe spending yet another travel day. Then, everyone re-engages with their postponed jobs, chores, and plans. It can take a week to recover from a week.

Sometime in our society’s development, we passed from an era when deaths happened without ceremony to an era when rituals helped people deal with the loss. I believe that was a major maturation for our species. Millennia probably passed with little change in the mourning process.

Too often is seems that the ritual and the true mourning have become secondary to laws and regulations, logistics and finances. What has to be reported? When? By whom? What happens if it isn’t? Social information flows quickly thanks to technology, which can initiate impressive support networks; but, much of the official nature of a life must be handled by the closest family member who usually has the least time, sleep, and emotional reserves. Too much time, in my opinion, is spent chasing down financial accounts, passwords, verifying identities, sitting on hold or trying to explain to a computer why the other person on the account can’t provide the necessary information. Automation and well-designed procedures are instituted to save time and money for corporations, and supposedly indirectly us; but, their intentional lack of humanity draws out a painful process to someone who is already experiencing one of the greatest pains in life.

Estate planning is a major aspect of the personal finance industry. I know many financial advisors who are very compassionate; so, I know they didn’t design an intrusive process on purpose. I suspect decades of successive lawsuits from contested estates have nudged the process earlier. Undoubtedly, some people have taken advantage of mourning periods and similar actions need to be guarded against. But, how can anyone in emotional trauma be expected to suddenly react fully rationally? Instant cures don’t happen. Yet distraught people are asked to quickly make decisions that affect the rest of their suddenly changed lives. Even documented and negotiated plans may make no sense. Anticipated departures can only guess at the changes in everyone’s lives. Rationality can be hired. That’s one reason professionals are available. But, the changes can be so significant that, like any other plan, as soon as it is initiated the rest of it is subject to change.

I have no clear answer. Maybe a waiting period would stretch out the process, giving emotional processes and rituals more room and respect. Like any such general rule, for some it wouldn’t be long enough, others wouldn’t want or couldn’t accommodate a delay.

This is the situation we have, and like so much of life, we can wish for a different world, but we have to deal with the one we’re in – and work on changing it.

Personally, I can take some time now to collect my account information, list my passwords in some secure place, identify an executor and a backup, and basically do all of those things that we are always encouraged to do. They seem like such a nuisance. Witnessing them in action emphasizes their usefulness. Reflecting on reality, knowing people who were lost suddenly, convinces me that it must be done. Respecting those who would have to sort through my accounts means making it as easy as possible for them. My approach to personal finance is to be personally responsible. That’s why I invested on my own in my own way and have accepted those consequences (even if I don’t like the current situation). Treating my “estate” with equal respect and responsibility is one thing that I can do to create less work for my survivors and give them more time for their emotions. I can’t do it later. I have to do it now.

And will I dive in and finish it tonight? Of course not. There’s a week’s worth of work to catch up on. Paperwork to fill out and pass along. And I still want to find some more time for respect and reflection in the quiet that is my home. But maybe, one step at a time, I’ll start pulling together a few lists. Tell someone where to find them. Every bit I do, saves someone hours later. Of all the legacies we can leave, time is the most valuable and if it is spent humanely then it is spent well.

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Too Soon To Tell

Titles should have useful tags. There should be a key word in there that people, twitter, and the search engines all recognize. Not this time. Life doesn’t follow our rules, or maybe life follows our rules in its own way. Over the last few months it has been apparent that something has to change, and change soon. Possibly on demand, life is changing; but, life is changing at its own pace with the swings that any plan always experiences. The stock market is celebrating a record high. The housing and job markets appear to be recovering. Markets are big accumulated statistics. Some individuals will fare better. Some will fare worse. Most will have a mix shifted by the trend. Personally, it is too soon to tell, but the signs are positive.

Writers are known for liking quiet places to write. Mark Twain had a studio in a separate building on his property. A video of Neil Gaiman suggests something similar. I know others who have done the same. It is one reason I like my house and its quiet neighborhood. Yet, it is good to break out of such habits occasionally and see if diving into the world changes the writing or the message. This is such a week. I type from time stolen from amidst a family event. CNBC is on as background. Dishes are clinking in the kitchen as someone else cleans up after breakfast. Conversations, vital or casual, form and morph as topics and participants change. I type with iPod earphones installed and a shuffle of songs adding enough audio to create a white noise substantial enough to let the fingers work their way across the keyboard. I know I’m missing some things, but I hope I’m also creating something.

During musical pauses, financial news leaks in. The market is at it’s record high; but where to invest? They say the recovery has been in the big stocks. That makes sense. The “markets” they refer to are really only the indices, and the indices are heavily influenced by the stocks of the largest companies where the big money lives. Small money, like mine from their point of view, in small companies could double, triple, and probably quadruple without an appreciable change in the news. The commentators suggest looking at the small companies, with all the appropriate waffle words and self-protectionary catch phrases included. “See, we told you it would be rewarding.” “See, we told you it was risky.” If you’ve read my bookDream. Invest. Live. or followed this blog for long, you’re aware that I my favorite investing strategy is micro-cap and small-cap Long Term Buy and Hold – and eventually sell to reinvest and live. I like small companies and have more patience and risk tolerance than most. It’s worked before. Logic suggests it will work again.

I don’t know how I managed to get to know so many real estate agents. Many of them are excellent dancers. Lately, during our three and a half minutes of a song, most of them are talking about working longer hours. Some are even making money. I get the impression that’s an adjustment. They remember that’s it’s possible. That’s why they stayed in the business. But, it’s hard to believe its real. One in particular knows my story and passed along the encouraging news that the Seattle market is getting busy, multiple offers are happening – and the important part for me – the real estate recovery appears to be happening quickly, rippling out from downtown Seattle. The guesstimate is that my neighborhood will witness the resurgence within two or three months. That makes for an interesting race with my finances, having my house for sale, and the mortgage company’s imminent foreclosure.

Jobs are happening – at least for some I know. Friends are finding part time work. Some with jobs are getting shifts extended. (Audio interlude: laughter in the background. My family has a sense of humor. Ah. Ha.) More jobs, more hours, means more money flowing, which means more work to do. It is an infectious cycle that can be positive like infectious laughter. Several friends with businesses are finding themselves at the breakpoint. They’ve got enough business to warrant hiring more people, but the profits haven’t risen enough to pay for the extra paychecks. They’ve also reached the personal breakpoint which comes from working past midnight too often. I’m optimistic they’ll break through, in a good way.

My business is improving too. Revenues are up. Time with family requires shifted meetings, and even then the meetings bracket family time. Funding campaigns must be launched. Events must be organized and announced. Marketing books and art create overlapping schedules of invested time that hopefully builds and sustains momentum that results in returns that support the artist and the art. The life of a sole-proprietor and currently underfunded entrepreneur is heavily defined by the lack of opportunities for delegation. But, it’s worth the effort because sufficient reserves are possible – eventually. Sooner is better than later.

The general good news of an improving economy is punctuated with the specific details of individuals from either side of the mean. Some are doing extraordinarily better. Vacations, house projects, new cars happen. Others continue to deal with issues that I’ve recently witnessed. Accumulated debt, decreased wages, long-lingering repercussions of actions that seemed like the right thing to do at the time, won’t always resolve themselves at the pace of the markets.

Life is individual. Life is not the accumulated generalities of national news items. Life is personally episodic. It is the sooner or later timing of those episodes that can mean the difference between luxury, ease, comfort, or variations in struggle. The timing isn’t completely left to chance, so I hope, which is why I see a value to persistence and an acceptance of opportunity. Yet, chance isn’t powerless; and is one reason why I don’t expect complete control. (The power of chance is also why I buy lottery tickets.) Besides, in general things are doing better, and chance can work positive wonders – sooner or later.

Ah, some folks ran off on errands. The tv is off. The sun found a way through the clouds. Good timing.

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Incredible Changing Winds

The wind’s been blowing through Whidbey this week. Change is happening so quickly that hours after Wednesday’s news and blog my situation got better and worse, I heard more about others who hadn’t spoken before, offers of help included ideas for making my life into a movie, and that most inevitable change throughout history happened: a death. No life is lived according to a conscious plan, and a review of the various events driven by chance can turn any life into something incredible. I know I never believed my life would work out this way. Guessing how any of our lives will work out from where we are is what we all do to some extent, even if we know we’ll get it wrong. The way we live is incredible.

I won’t play with suspense. My Dad lost his lovely wife yesterday. I won’t go into details as the family is adjusting, naturally. But death, that ultimate transition, puts life into perspective. Unless we discover the secret to immortality, each of our lives, and all of our plans play out how we’re remembered and what we leave behind. Pardon me as I pause. You’re welcome to do so, too.

Spring is Near

Prior to that news I was navigating changes in my logical plans and emotional response to my housing news. Monday the mortgage company used the word Foreclosure. Tuesday I set up a meeting with my real estate agent to see how that would affect the fact that my house is for sale. Wednesday morning I blogged about what I knew so far, and received amazing responses from friends and other readers. While talking with my agent on Wednesday afternoon I stumbled across a bit of mail from December that was lost in the stack of mortgage company letters. It arrived on a cold afternoon when I was doing something in the yard. I signed for it, quickly opened it, and then shoved it back inside my jacket to look at later when I was warm and dry. Not an excuse, but a reason why, when I got back inside I set it aside in the stack to look after I hung up a few layers of clothes. Distractions happen. The mortgage company sends me lots of mail. I forgot. On Wednesday I found it again and saw that it was a Letter of Default. My agent pointed out that my house and I were further along in the foreclosure process than I knew, and that I should talk to a lawyer because one disastrous scenario would have me moving out by the end of March. Thursday, in a thirty minute consultation, the lawyer sorted through many of those volumes that adorn legal offices and could draw no solid conclusion without more information; but, the most likely scenario is that I will receive a Notice of Foreclosure in the middle of the month. That means months of opportunities to resolve the situation, largely the way I’ve been trying to do for months already. But the costs are rising, the penalties are accruing, and legal fees are added to real estate fees. Stack them up enough without finding a job, or enough income from my business, or a dramatic increase in assets, and bankruptcy becomes a possibility. A good job, a sufficiently profitable business, a recovered portfolio, or even a lottery jackpot are all more appealing scenarios.

And the week started off so well. On Monday, my latest book came out in paperback. By Thursday, my Dad had a copy in his hands. I’d even made enough from the first day sales to order more copies. In the midst of his turmoil, I heard him smile. How much is that worth?

Walking Thinking Drinking Across Scotland

As I type, the wind continues to blow. Many pundits and spiritualists see 2013 as a time of transition. Spring always is. It seems that the world is making sure I am aware that nothing is immovable. The house creaks. Various household bits blow by. It’s a common occurrence in this neighborhood. Wait a few days and go pick up your stuff against someone’s fence downwind of the house. My house is saved from debris by an untended vacant lot occupied by six foot tall blackberry bushes, also known as the deer haven. It is possible to resist change the way some resist the wind; but, even my neighbor who built his fence from doubled and buttressed supports came home to find his fence in the neighbor’s yard. Yes, this is a windy neighborhood. It seems like the entire world is in the midst of such a wind.

Late Wednesday night, an idea resurged from many unconnected avenues. As friends commented on my blog, sent emails, or phoned from their commute (hands-free I’m sure) the idea was raised of turning my story into a movie. This isn’t a new idea. A friend with Hollywood connections actually informally pitched the idea about six months ago. One friend who has known me since 1980 made the point that we expect bankruptcy from people who didn’t pay attention to their money, people who felt entitled, the stereotypical people who aren’t willing to work. Stereotypical is a good word, because few folks embody all of those negative characteristics. His point was that from what he could tell, I’ve been frugal for decades, have worked hard throughout, have researched finances, and have generally tried to do the right things. (I guess he’s not the only one, which is why I was Board Secretary for New Road Map Foundation and a case study in the new edition of Your Money Or Your Life – before my recent upset.) That should be more than enough and not a path to bankrupt and homeless. An interesting counterpoint was that;
“It’s not that “how even doing everything “right” isn’t enough in today’s financial system.” It’s that the people who are doing well today are precisely the people NOT following the rules, . . .”
Pick a theme and get to work. One friend listed the requisite movie pitch details that I planned to work on this weekend. Instead I’ll be sorting through my old office clothes trying to find a suit that fits.

I can’t claim to have been exercising “Voluntary Simplicity” before it was term. The idea goes far back (for more recent examples visit the Simple Living forums); but, I can agree that I’ve practiced it before I heard the term. It is one of the bases for the book that inspired this blog: Dream. Invest. Live. Dream. Invest. Live. Living simply, enjoying frugality, using personal values as a guide to making and spending money are ideas that seem obvious to me. Until two or three years ago it worked. I generally spent less than I made, invested the rest, and enjoyed the cushion that resulted. As my portfolio abruptly shrunk and as my business has been slow to grow, spending less than I made has become unlivable – especially with a mortgage. My diminished portfolio was diminished further as it was my only source of funds, now that is nearly gone.

My blog post fed into a common debate about, “What can we do for people in this situation?” There are those that say it is inevitable. We will always have the poor. There are those that say that anyone willing to work should be able to live and contribute. Mutual support is one reason why we form governments. Others say, this is obvious proof that the system doesn’t work anymore and adjustments or radical change is necessary. I know that on a personal level, assuming the system doesn’t suddenly crash (let me check on the sequestration) the only thing that matters is sufficient money to appease those who hold my debt and enough money to maintain my frugal lifestyle. We all know where money comes from: jobs, businesses, investments, windfalls, and sharing.

Yesterday I called a friend who has been unemployed longer than me. I asked her to handle some details while I navigate my turmoil. I can’t pay much but even a little could help both of us a lot. She’s happy to help, and she was happy to announce some other good news. Someone hired her. That makes all the difference in her life. So, while I’m joining my family in remembrance you are welcome, even encouraged, to peruse my resumes, consider me for consultations, buy my books, buy my house, or share a bit of your lottery ticket winnings. I’ll share mine. And if you can, fix this economic system (Occupy?). Having been a millionaire and now looking at bankruptcy et al, I can tell you, this system is incredible and is probably due to change – and not just because of me.

Home For Sale

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Notice Foreclosure Notice

Yesterday I got the call. The mortgage company called, and in a rare case, I answered. In their usual manner, they delivered the news that they will begin foreclosure on my house on March 17th. I can’t recall their quote verbatim, but I am sure they were very particular with the words written on their script. The news didn’t improve my day. One nice tangible bit was self-provided as my most recent book became available in paperbackWalking Thinking Drinking Across Scotland Maybe that will eventually be more than enough. Buy, read, review, and stay tuned. By the end of the day, telling folks about my news revealed too many other turmoils hidden behind requisite smiles – and a new way to acknowledge what’s essential.

The foreclosure news released a crowd of scenarios that I’ve kept in consideration ever since I put my home on the market about nine months agoHome For Sale That was precipitated from a previous crowd of scenarios by nine months of unsuccessful job searches (which is now past 18 months), which was initiated by a triple hit to my investing strategy. I enjoyed brainstorming as an engineer. I enjoy it as a consultant, artist, and entrepreneur. I use it in my life. Significant news that changes some ifs to whens drops me into another mode where the brainstormed list is reduced to the most likely and most appealing, with the hope that there are plenty of choices that are both likely and appealing.

Unfortunately, the most likely scenarios are based on extrapolations. There is encouraging growth in consultations, speaking events, book sales, housing prices, and even my stock portfolio (though not so far this week); but those extrapolations suggest months or years before anything significant enough to appease the mortgage company. And the mortgage company is apparently working to a closer calendar.

Fortunately, the potential of getting a good job, selling my home, sudden improvements in those currently shallow extrapolations, and windfalls (hello, lotto) continue and may even be more likely due to simple perseverance. As I’ve said many times, every email, every phone call, every hello on the street can be the life-changing event that happens without prelude.

Yesterday was a rare day. I had two social events. At the price of gas, and as hard as I am working, I rarely leave the house unless work is involved. But, one friend had finally recovered from an absence and I wanted to catch up on his news. And last night was a dance practice. (a practice dance by dancers for dancers without the pace of a class or the social expectations of a dance, $5, two hours, Bayview Hall, be there) I even snuck in a phone call to a friend for the sake of talking to a friend. By the end of the day I’d heard about death, major illness, bankruptcy, car accidents, a house accident that involved a car, and two or three stories that were obviously lurking just behind requisite smiles. Within that collection I’m the only one being public about personal turmoil, which is not surprising.

A couple of conversations mentioned the same new perspective. Losing so much changes the way the world is viewed, renders the essentials much less theoretical, heightens the awareness of wealth disparity, and reinforces the desire to give to others. Scenarios for winning lottery jackpots are more likely to include giving the excess away, and most likely, giving it to individuals instead of institutions.

While I was dancing last night I wondered about those other stories that I glimpsed but didn’t hear. I glimpsed them when I asked, “How are you doing?” and saw the struggle between honesty and politeness. It is what one friend calls, “Pretending not to panic.” Despite our pride in openness and compassion, few people want to hear the real story. I’ve had readers tell me so. I understand that. I prefer comedy as well. But someone has to tell these tales with more honesty than politeness. Then I found a new greeting. As a friend dropped into that struggle for a response I got their attention and rephrased the greeting. “It’s good to see you.” That brought a smile. I went to another who’d struggled earlier and playfully re-greeted them. The response: a pause, a smile, and “It’s good to be seen.”

My turmoils are almost exclusively financial. At least that simplifies my scenarios. My friends’ turmoils include that in a longer list. Unfortunately, in this society with this type of economy, finances are necessary for life. That’s a scary situation. I wonder if finances, society, or economies would shift if we relaxed the politeness and exercised more open honesty.

Those grander considerations are put here, and then put aside. Social change, politics, economic upheavals are inconsequential to my immediate concern. The mortgage company delivered a date. Sequestrations, multi-year revenue projections, Occupy movements, even global climate change are subjects of luxury. Do they have massive impacts? Yes. Should we resolve them? Well, it depends on how you define “we”. The struggles of many people I know are all-consuming. Working long hours (with no guarantee of getting paid) then trying to maintain the basics without the ease of money doesn’t leave time or resources to volunteer. For some, that $5 dance was a major luxury. It cost me an extra $6 because of gas. When my portfolio was healthier I spent about 32 hours a week in official and unofficial volunteer work. One of the other conversations I had was with someone in the midst of that world. There was a bit of surprise when I didn’t accept any of the invitations to join, or attend, or in another case, contribute.

Yesterday I released the good news about my most recent book being publishing in paperback. Self-publishing books is effectively writing my own lottery ticket. Persistence means my personal lottery ticket is potentially multiplied by six because Walking Thinking Drinking Across Scotland is my sixth book. (Multiply by twelve if you include my photo books and my book on Modern Self-Publishing.) Twelve Months At Double Bluff on blurb Success breeds success, and the early reviews of my Scotland book are encouraging. It is possible to sustain a comfortable lifestyle as a writer. I even know a few. Maybe I’ll join their ranks. But that doesn’t change the mortgage company’s calendar unless I get an amazingly lucrative book advance soon. (How about Walking Thinking Drinking Across France, or Ireland, or Italy, or Japan, or all of them?)

My story enters a new phase. I never expected this one. I don’t know what to expect in the next one. I appreciate you keeping me company. It’s good to be seen.

PS As I got ready to post this another message came in that a friend no longer had a working vehicle. Anyone have a car to donate?

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