18
Jun 07

The End of Suburbia

New blog friend, Brian, has a good review of End of Suburbia, a movie about peak oil’s impact on the American suburb, with some predictions for the future.

The last part of End of Suburbia takes a turn from the thesis of a doomed civilization to more optimistic thoughts. They discuss the ideas of people returning to urban settings, sometimes referred to as ‘new urbanism’, where most of what residents need for everyday life is within walking distance (or at least a much shorter trip on public transportation or car). The filmmakers also touch on the idea of buying locally grown and produced goods to cut down on the ridiculous distances the stuff we buy and consume is transported (why do I need an apple from New Zealand in California?).

I think a lot of trends could mitigate the impact of expensive fuel. People will sacrifice a lot to keep their own fairly large portion of land and housing. However, on a personal level, I am interested in reviving the individual character present in pre-suburban neighborhoods. One can only stand so much widespread homogeneity.


18
Jun 07

Old family photos

My father emailed some family photos my aunt scanned in. Family photos can be so cryptic. Look below at the expression on my grandmother’s face. She didn’t normally look so sour. It makes you wonder about the circumstances. I like these photos where they were dressed up and standing in the yard. There are many similar with family arranged in front of the house or the family car. I miss them both very much. They were such unique individuals.

Continue reading →


18
Jun 07

Weight Loss Tips That Work

gluttony.jpgI have never had problems with my weight. In my mind I will always be that skinny kid of 12 years old. Like a lot of guys, I never worried about how much or what I ate. Food was just this thing my body demanded. Likewise, I gave little attention to my physical shell, simply because it took care of itself. Youth bestows an effortless beauty and vigor, which most people appreciate only in retrospect. As Schopenhauer wrote, “Youth without beauty always has attraction; beauty without youth has none.”

As I approached my mid-twenties, my metabolism slowed down and my eating habits caught up with me. I woke up one day about a year ago and realized that I was overweight. I had tried to ignore the problem, but it was there in photos and in my ever expanding waistband. At my heaviest I weighed about 210 pounds. While this is not considered obese in a man over six feet tall, it was the heaviest I had ever been and it did not look good on me. I decided that I needed to do something because ignoring the problem wasn’t working. I tried several approaches but focused mainly on reducing input (calories consumed) and increasing output (energy expended). Eventually, I worked down to my current weight of just over 185 pounds for a difference of roughly 25 pounds. I’m working toward a goal weight of 170 pounds.

It was easy to lose the weight. The problem is deceptively simple. Weight gain is the result of consuming more than your body can expend. Our bodies are amazingly efficient and adaptive systems. If extra food is available, your body will store it as fat rather than waste it. This is how it should be. Add the relative physical ease of modern life with the high availability of nutritious food and you understand why obesity is such a problem. Fatty food is a quick phone call away.

During the course of my weight loss experience, I did not have to diet and everything was painless. As with most things, it just took some attention and time and is easier than most would have you believe. I will share what worked for me in case it can help you. I hope it does.

Measure it, Track it

I don’t advocate calorie counting because this is more work than anyone can be expected to do for the rest of their life, which is exactly how long you will need to maintain your ideal weight. However, until you measure something you cannot manage it.

I measure two things, the moving average of my daily weight (taken first thing in the morning) and everything I eat. I do not even know how to calculate a moving average. I just use the Google Fifteen Widget for the iGoogle homepage. It tracks and calculates everything for me and outputs a nice graph to show my progress. If the moving average trends down, I know I’m losing weight. If the trend moves up, I know I’m gaining weight. Some people will tell you that it is demotivating to weigh daily, however this helped me tremendously as I was able to adjust on the fly. As long as you recognize that your daily weight may fluctuate wildly and that the moving average is the key measurement, you will be fine.

I do not write down what I eat or keep a diet journal, but every time I sit down to eat I pause and consider what I’ve eaten that day. All I need to remember is what I’ve eaten that day. If I’ve had a couple slices of pizza or something similarly unhealthy, I will decide to eat a smaller portion or something with fewer calories.

Change the Way You Eat, Not What You Eat

Diets are stupid, conceptually. The idea is to motivate people by making them eat food they don’t like and banning foods they do like? This will not work. As Abraham Lincoln said, “A house divided will not stand.” When you’re on a diet, you are at war with your sensual side. Your body doesn’t understand why it can’t have what it wants, it just wants it and knows when it’s not getting it. For example, I will never be a person who loves salad. That’s just not something I like. The solution is to trick your body into going along with the weight loss plan. There are a couple ways to do this.

Keep Eating Crappy Food, Just Eat Less of It

Many people will tell you fast food is bad for you. I imagine it’s no less healthy and probably more healthy than what you get at some of the places people like to eat. There’s no way Olive Garden, Chili’s, or Red Lobster is more healthy than McDonald’s. Most of the food in these places is larded up with fat and salt so you’re tempted to order Appletini’s or multiple glasses of overpriced ‘house’ wine because you’re artificially thirsty from all the added salt. Likewise, a tub of salad slathered in ranch dressing is NOT healthy. In general, any food you buy prepared sucks.

If you want a cheeseburger, knock yourself out. Just forgo the French fries and large carbonated beverage. You’ll spend less and eat less crap. Make compromises. Split a dinner portion and take half home for later. Always drink water with your meals. Never buy appetizers or eat all the chips and salsa on the table. At a fast food restaurant, the right portion size is available on the 99 cent menu. Get one small, cheap hamburger or whatever and call it a day. As someone once said, “The best exercise you can do is pushing yourself away from the table.’

Eat at Home, Eat Earlier

When’s the last time you made yourself an appetizer before dinner? When’s the last time you ate chips and salsa or a dessert with your meal at home? Seldom to never.

When you eat at home, you’re almost guaranteed to eat better and less, especially if you have a large family or live with a bunch of freeloading roommates who make you fight for that last taco.

In general, I like to eat around 6:30 or 7 at night. By the time I finish dinner, I know I’ll have 2-3 hours before I go to bed and then 8 or more hours on top of that until I eat again. This gives me over ten hours to burn the energy I just ate. Also, try to eat a modest dinner as it is the last meal of the day. Another easy-to-remember platitude: “Eat like a king for breakfast, a prince for supper, and a pauper for dinner.”

Get a Gym Membership and Have Fun With It

I used to be against gym memberships because I’m a cheapskate. I had all sorts of reasons: it’s expensive, there’s a workout room in my apartment complex or at my office, I hate membership contracts, etc. The fact is, it is worth it to have a gym membership and it doesn’t have to suck. I work out at Lifetime Fitness where they at least don’t have contracts. It’s not bad at all.

The decision to get a gym membership was made easier when I admitted a few things to myself. Number one, I need to invest in my health and that investment (spending money every month) motivates me to get value out of it. Number two, free workout facilities suck. There is never enough equipment and I don’t want to work out with people I’ll see around the office or at the apartment complex.

I try to have fun when I go work out. When I first started going, I went every day, which was impossible to keep up. But, I did it for a reason. I wanted to create the habit of going until it was just part of my life. Now I keep a bag in my car and go every other day, at least three times a week. When I first started I would do 30-60 minutes on the elliptical or bike in addition to weights, then I discovered that this is not fun. Cardio is extremely boring and enjoyed by only the most dull or masochistic of people. I’m convinced that people stop working out because it’s not fun, even with an iPod.

How do you have fun at the gym? Instead of grinding out the cardio, I warm up by shooting hoops then I just lift weights until I’ve done my set for the day. If I’m taking my time, I’ll sit in the hot tub or wet sauna for 10-15 minutes when I’m done. If I go work out on my normally alternating days, I’ll do 30 minutes of cardio since I need to let my muscles repair from lifting weights. When you lift weight, make sure it is not too easy and not so difficult that you can’t do a set. To improve your muscles, you should lift to the point that the targeted muscles are exhausted. I’m convinced that lifting weights does more to burn fat than anything else. Unless you’re trying out for a marathon, why would you want to do cardio every time you work out?

Television by Appointment Only

It’s been a while since I’ve had cable, but Jody has it at her house and I’ve been amazed at how easy it is to get sucked in for hours at a time (I like Dirty Jobs, Man vs. Wild, and Cops). There is something going on in our brains when it comes to movement on a screen because television has the ability to maintain your attention like nothing else. In the past I have advocated against television, however since falling in love with Entourage on HBO, I am now advocating that you simply plan what you watch. Instead of plopping down and zoning out for several hours, look at what’s on and plan what you would like to see that week. Keep your total viewing to 2-3 hours a week. I think you will be pleasantly surprised by the general improvement in your life. I read more, work more, go to sleep earlier, and get more done when I’m not tied to the TV.

Closing Thoughts

Being overweight does not make you a bad person or unlikable. It’s just a problem of physical laws: too much input and not enough output. Personalizing a physical problem will not help you address it. Some of being overweight is genetic and part of who you are. If your parents are on the round side, you are likely to be on the round side. However, a distinction should be made between being thick muscled and being flabby. If you are barrel-chested or thick-shouldered, you will never be waif thin and that’s okay. However, if you’re muscled normally and covered with flab, this is a situation you can do something about. As important as it is to shed extra pounds, it’s equally important to shed negativity and try to help yourself. You can afford to be a little vain, as long as it helps you.

I’m curious what other experiences people have had. What has worked for you? What have you had trouble with?


04
Jun 07

How different businesses make money

This is a fascinating series from New York Magazine about how different NY businesses operate and turn a profit.


30
May 07

Boeing CFO: “Young people think they know a lot more than they really know.”

From an interview with Boeing CFO, James Bell:

What strikes you about the young people who come to you?

They really think they should have bigger jobs from day one than we did when we came out of school. That’s something corporate America is going to have to address. I don’t think you have to be in a role ten years in order to get a major assignment; it needs to be based on what a person demonstrates rather than just on tenure.

But having said that, I think a lot of young people think they know a lot more than they really know.

I doubt that young people have changed at all over the years. Each generation launches into adulthood convinced of their own superiority, determined to do things better than the previous generation. This conviction is the source of much progress as thinking differently and doing differently sometimes result in doing better. It is good that Youth blinds us with bold naivety, but it is easy to forget that we change as we get older.


24
May 07

Experiment with your life

franklin_kite.jpgDo you ever wonder how much your way of life is based on arbitrary concepts and social tradition? Why do people own homes or rent apartments? Wouldn’t it be better if we all lived in shared dorms and made better use of mostly empty living space? Why do some people travel and move frequently while others live in one place their entire lives? Aside from a basic necessity for shelter, what motivates people to live the way they do? What ways can we live better? In what ways can we take advantage of modern technology to improve life? What options are we missing?

These things are worth thinking about.

My lease is up in June. I’m considering experimenting with my life, specifically my shelter. The goals for my new arrangements are simple: maximum flexibility and mobility, short-term commitments, low cost, and maximum ease. I would buy property, but I don’t want to tie myself down to the DFW area for the next five years. I would get an apartment, but I have little furniture and I would never spend time there. What other options are there?

The best idea I’ve come up with so far is to live in a hotel. It sounds crazy, but consider the benefits:

  1. No lease: No long-term commitments. Move whenever you like. No rent checks, no landlords. Pay by the week or just put it on your debit card / credit card. Earn points on your living expenses and make money on the float.
  2. Maid service: Ideal for someone who hates cleaning and making the bed.
  3. No utility bills: Most hotels have free cable, local phone service, and Internet access in addition to the usual power and water. Crank the A/C up in August and forget about it.
  4. Free continental breakfast: Most hotels serve a free continental breakfast. This saves you about $5 a day or $150 a month. Load up on free oatmeal and coffee.
  5. Swimming pools, fitness centers: Many apartments have pools, hot tubs, and fitness centers, but some don’t.
  6. No bad neighbors: If someone disturbs you, ask the front desk to move you to another room.
  7. 24 hour room service: Get hungry and don’t feel like leaving? Order in and keep on working.
  8. Concierge: Send off your clothes for drycleaning. Get your shoes shined. Have a copy of the Wall Street Journal dropped off at your door every day.

According to my calculations, living in a one bedroom apartment costs an estimated $700-$1500 a month after bills and rent. Living in a hotel suite, costs between $850-$2800 a month based on my estimates. This is a wide range based on your preferred level of luxury. Obviously, if you’re staying at a five star hotel it will cost you $5000 a month and up, but the level of service would be much better. This is more than most people need. For someone with minimal needs, hotel living is a good option based solely on economic grounds. When you consider the added benefits of flexibility and ease, it becomes even more compelling.

When I started researching hotel living as an option, I came across an article in Trendspotting about a trend they call “5-Star Living“. Apparently, many new luxury hotels, including the W here in Dallas, have a few floors set aside for permanent residences. These are condos with many of the features you would find at a luxury hotel: spa, concierge, room service, etc. As people move beyond the traditional suburban family unit and as baby boomers retire, this becomes a logical way of life for many.


21
May 07

My wallet is a tumor

Ever since I’ve carried a wallet, I’ve ended up stuffing receipts and other crap into it until gradually it doubles in size and hurts to sit on. Eventually I’ll go through and purge, removing all the business cards, scraps of paper, empty Walmart gift cards, and frequent smoothie buyer cards with irregularly-shaped holes punched into them until the wallet is restored to its original, more comfortable size. No more. I’ve replaced my wallet with one of those black binder clips found in any office in America. I just shove all my debit cards and ID into it and squeeze the binder clip onto the stack and go. It’s like a money clip, but better and free and possibly completely washable in case I forget to empty my pockets. Hat tip to my boss, who I stole the idea from.


21
May 07

Good Melville passages from Billy Budd

terence stamp as billy buddI started reading Billy Budd last night. It is Herman Melville’s last book, published posthumously 40 years after Moby Dick. One thing I like about reading Melville is that I have to read carefully and decypher because he loads so much meaning and metaphor into it. I liked the following passage, a description of the aloof intelligence of Captain Vere:

In this line of reading he found confirmation of his own more reasoned thoughts- confirmation which he had vainly sought in social converse, so that as touching most fundamental topics, there had got to be established in him some positive convictions, which he forefelt would abide in him essentially unmodified so long as his intelligent part remained unimpaired. In view of the troubled period in which his lot was cast this was well for him. His settled convictions were as a dyke against those invading waters of novel opinion, social, political and otherwise, which carried away as in a torrent no few minds in those days, minds by nature not inferior to his own. While other members of that aristocracy to which by birth he belonged were incensed at the innovators mainly because their theories were inimical to the privileged classes, not alone Captain Vere disinterestedly opposed them because they seemed to him incapable of embodiment in lasting institutions, but at war with the peace of the world and the true welfare of mankind.

With minds less stored than his and less earnest, some officers of his rank, with whom at times he would necessarily consort, found him lacking in the companionable quality, a dry and bookish gentleman, as they deemed. Upon any chance withdrawal from their company one would be apt to say to another, something like this: “Vere is a noble fellow, Starry Vere. Spite the gazettes, Sir Horatio” (meaning him with the Lord title) “is at bottom scarce a better seaman or fighter. But between you and me now, don’t you think there is a queer streak of the pedantic running thro’ him? Yes, like the King’s yarn in a coil of navy-rope?”

Some apparent ground there was for this sort of confidential criticism; since not only did the Captain’s discourse never fall into the jocosely familiar, but in illustrating of any point touching the stirring personages and events of the time he would be as apt to cite some historic character or incident of antiquity as that he would cite from the moderns. He seemed unmindful of the circumstance that to his bluff company such remote allusions, however pertinent they might really be, were altogether alien to men whose reading was mainly confined to the journals. But considerateness in such matters is not easy to natures constituted like Captain Vere’s. Their honesty prescribes to them directness, sometimes far-reaching like that of a migratory fowl that in its flight never heeds when it crosses a frontier.

Due to the wonder of the Internet, you can read Billy Budd in its entirety online.


20
May 07

Simplify your life

vagabonding

Lately I’ve gotten the itch to go wandering and live a more simple life, free from the usual restraints. I’m not looking for any big epiphany, I just want to do more living outside the lines. I want to head out and prospect, turn stones over and see what’s underneath. As a result of this mood and from moving regularly (5-6 times in that past few years), I’ve started to pare things down to the essentials. I’ve come up with a few simple rules for how to create the structure I’ll need to do this thing, to live well. It’s easy to simplify:

Get rid of things you don’t need or really care about. Be ruthless.

  1. Go through your closet and get rid of anything you haven’t worn in a year. You will never wear it. Donate your cast offs and get a receipt for your taxes.
  2. Go through your bookshelf. If you’ve read it and won’t read it again, get rid of it. If it’s actually hard to find and important, keep it. If it’s not hard to find, you can always borrow or buy it again later. Even if a book changed your life, why does that make you want to keep it? Lend it to someone else and spread the joy. I try to keep no more than one box of books. Sell everything else and you won’t feel bad about buying more books later. To enjoy something it doesn’t mean you have to own it forever.
  3. Go through your papers and toss anything not important. If it’s important, file it for a few years or store it.
  4. For everything else, if you haven’t used it in a year, you probably won’t. Get rid of it.

Cutting future clutter and creating a permanent address.

  1. If you plan on moving frequently or traveling, get a post office box. No need to worry about not checking your mail regularly, meth addicts stealing your mail, or leaving a forwarding address. I think mine costs $40 a year. I use it as my mailing address and my business address and check it once or twice a week.
  2. For your bank statements and other records, cut off the paper bills and statements. Most providers will now send statements and bills via email.
  3. Set up automatic payments for your bills. Many bills are the same amount each time. Set any of these up for automatic payment if you can. This will save you time and money.

Get your finances tuned for maximum freedom and simplicity.

  1. Set up a high-yield savings account with a recurring transfer from your checking account every week. Many online banks like ING offer savings accounts that pay out almost 5% interest. Set up a recurring transfer of a few dollars (whatever you might spend on a new outfit) every week and put it into your bank account. Over time, you will build a cushion of savings that is earning interest for you. (Email me (csivori (at) gmail.com) if you want a referral to ING. For a $250 deposit, you’d get $25 dollars and I’d get $10.)
  2. Set up a financial dashboard where you can glance at a quick overview of your financial situation. I used to use Microsoft Money to keep track of my finances, but since I started using Fidelity I’ve added my accounts to their “Fullview” portal. Basically, you input your various accounts and logins at the Fidelity website and they fetch your account information from any other banks, credit cards, investment accounts, etc. that you might use and display all your balances and transactions on one page. It will also track spending and calculate your total net worth.
  3. Pay down debt. Debt is one of the biggest obstacles to doing what you want. As long as you owe someone money, they have a certain power over you. The biggest way to overcome this to eliminate debt and build savings to prevent future debt.
  4. Start a side business. Create some way to make money outside your normal employment. Chances are you can offer the same services you do at work. If you’re an engineer, start an engineering consulting company. If you’re a mechanic, tell friends and neighbors that you’ll do extra work on the side. Most jobs can operate on a freelance basis and many times you can start doing this a few hours a week when you’re not working. This will show you that money can be made outside of the context of having a job. It will also teach you a lot more about business so that you’ll be more valuable as an employee. There are plenty of ways to make money. You just have to create value in a way that is sufficiently profitable for yourself. Use your expertise and help people out. They will pay you for it.
  5. Get a rewards credit card (I use one for hotel and airline miles) and never carry a balance. Deposit your paychecks into a high-yield checking account and charge your expenses to the card. You’ll earn airline miles on your living expenses and interest on your wages until you pay off the card balance. Remember NEVER carry a balance as the interest rates on rewards credit cards are higher than normal. If you don’t have the discipline to pay off the balance each month do not do this.

Other ways to simplify.

  1. Do things in chunks and batches. When you sit down to do something, it’s better to do one thing at a time until it’s done. Check your email and read the news in chunks. Make all your phone calls at once during the day and let everything else go to voicemail. I use Simulscribe to transcribe my voicemail, so I rarely even answer my phone right away and I never listen to voicemail unless I can’t make out the transcription. When you’re buying birthday cards or other types of cards for special occasions, look forward a year and buy one for any upcoming event. Fill them out ahead of time and just mail them when the date approaches. That way you will never forget and you get it done all at once. Think in terms of chunks and batches.
  2. Let someone else do your chores. How much is your time and energy worth? I’m a big believer in wash and fold services and dry cleaning. I used to hate doing laundry and ironing. It would stack up until I ran out of things to wear. Now I drop off my work clothes and nice things at the dry cleaners each week and I take everything else down the street to the laundromat for wash and fold service. Wash and fold costs $1 a pound, so I usually end up spending about $20 a week. They do a better job than I do and it’s a lot easier. No soaps, no machines, no time, no crazy water or gas bill. Just drop it off dirty and pick it up clean and folded. Nothing to think about. Similarly, I’ve also graduated from washing my own car to paying someone else to do it. The cost difference is about $10, but the result is quicker and better. Many car washes will also guarantee your wash for a couple days in case it rains.

16
May 07

Americans moving on to greener pastures?

Interesting article on recent demographic changes. Many of the large cities are starting to look like the third world in terms of class division:

This is something few would have predicted 20 years ago. Americans are now moving out of, not into, coastal California and South Florida, and in very large numbers they’re moving out of our largest metro areas. They’re fleeing hip Boston and San Francisco, and after eight decades of moving to Washington they’re moving out. The domestic outflow from these metro areas is 3.9 million people, 650,000 a year. High housing costs, high taxes, a distaste in some cases for the burgeoning immigrant populations–these are driving many Americans elsewhere.

The result is that these Coastal Megalopolises are increasingly a two-tiered society, with large affluent populations happily contemplating (at least until recently) their rapidly rising housing values, and a large, mostly immigrant working class working at low wages and struggling to move up the economic ladder. The economic divide in New York and Los Angeles is starting to look like the economic divide in Mexico City and São Paulo.

Democratic politicians like to decry what they describe as a widening economic gap in the nation. But the part of the nation where it is widening most visibly is their home turf, the place where they win their biggest margins (these metro areas voted 61% for John Kerry) and where, in exquisitely decorated Park Avenue apartments and Beverly Hills mansions with immigrant servants passing the hors d’oeuvres, they raise most of their money.

It looks like middle class Americans are moving out to where you can balance a lower cost of living and available cheap housing with decent wages.

Domestic inflow has been a whopping 19% in Las Vegas, 15% in the Inland Empire (California’s Riverside and San Bernardino Counties, where much of the outflow from Los Angeles has gone), 13% in Orlando and Charlotte, 12% in Phoenix, 10% in Tampa, 9% in Jacksonville. Domestic inflow was over 200,000 in the Inland Empire, Phoenix, Atlanta, Las Vegas and Orlando. These are economic dynamos that are driving much of America’s growth. There’s much less economic polarization here than in the Coastal Megalopolises, and a higher percentage of traditional families: Natural increase (the excess of births over deaths) in the Interior Boomtowns is 6%, well above the 4% in the Coastal Megalopolises.

The nation’s center of gravity is shifting: Dallas is now larger than San Francisco, Houston is now larger than Detroit, Atlanta is now larger than Boston, Charlotte is now larger than Milwaukee. State capitals that were just medium-sized cities dominated by government employees in the 1950s–Sacramento, Austin, Raleigh, Nashville, Richmond–are now booming centers of high-tech and other growing private-sector businesses. San Antonio has more domestic than immigrant inflow even though the border is only three hours’ drive away. The Interior Boomtowns generated 38% of the nation’s population growth in 2000-06.