This is awesome.

Tue, 13 Mar 2012 08:20:11 -0700

This is awesome.

Video

Mon, 17 Oct 2011 17:01:05 -0700

Video

Mon, 17 Oct 2011 13:00:06 -0700

Video

Tue, 04 Oct 2011 15:51:44 -0700

10 Things I am Trying to Teach My Kids About Money Before They Reach Adulthood

Tue, 04 Oct 2011 13:27:05 -0700

1. No one owes you a thing. Too many people go through their entire lives with the expectation they are owed something. This is not the case, or at least it shouldn’t be. All you should ever expect is to be judged, compensated and respected based on your work ethic and your ability to create, inspire and hustle.

2. Debt is a cancer. Debt is a cancer on our society, on households, and on us as individuals. It saps creativity. It creates pessimism. It robs your future dollars. It limits your freedom. Avoid debt like the plague. Remember the old adage:

“He who understands interest – earns it. He who doesn’t understand interest – pays it.”

3. Save for emergencies…big emergencies. When you are young and many years from considering retirement (and not earning much), it’s tough to save money. But I have discovered no softer pillow than having money in the bank for emergencies. Aim to save about a year of your basic living expenses in a simple savings account (no risky investments here). With a one-year cushion, you’ll be able to weather storms many others will not.

4. Live simply. In 2011, life seems pretty complicated. By the time you are adults, I imagine it will be even more so. There will be new gadgets and toys and cool services and “got to haves.” The problem is, all these things compete for your earnings. I’m not advocating living like a pauper, but limit yourself to only a few of life’s luxuries.

5. Sleep on big financial decisions. When it comes time to buy a car, or a house, or book your first major vacation as a family, sleep on the plans for a couple nights. People selling you these things want you to act immediately to lock in their commission, as I would expect them to, but remember that you are the one who has to pay the bill. Some of my biggest financial regrets came because of a knee-jerk reaction. Be slow. Be methodical. Listen to your gut.

6. Protect your credit. Not because you hope to borrow money, but because you may find people extending a service to you may do so for less cost if they think you aren’t a big risk. And if those people don’t know you well, your credit score may be their only determining factor. It’s not necessarily fair, but it’s a part of life. Credit blemishes can hang around for a decade, so it’s best to avoid them in the first place.

7. Learn to do things yourself, but don’t be afraid to call in the experts. You may remember the time your dad rescued a toy from the toilet trap, saving us an expensive plumbing repair bill. Or the time I climbed up in the attic to unclog the air conditioner drain. But your dad knows his limitations, and calls in the experts when necessary. That’s what emergency savings are for.

8. Shallow people judge your things, real friends judge your character. Some of the saddest, loneliest people I’ve ever known have been surrounded by the nicest things money can buy. They often acquired these things to impress people they thought mattered, and in many cases it did – temporarily. Meaningful relationships are based on things money cannot buy: trust, respect, integrity, compassion, love.

9. Don’t trade the things you care about for a big salary. Remember what mattered to you most when you were a kid: Family, fun, dreams. These things should remain important to you as a grown-up, but often adults sacrifice these things to earn a big salary. Now, everyone has to sacrifice some to earn a living, but by learning to be content, you may be able to earn a comfortable living while still enjoying other things.

10. Start saving early. Remember those money games we used to play when you were a kid? One of them was an attempt to get you to understand one of the great financial wonders of the world: compound interest. You see, when you save money you earn interest on it. The next month you earn interest on the money you first put in, plus the interest you earned the month before. That’s right; you earn interest on interest. Now carry out that example for many years, even decades, and you can understand how some people are able to accumulate wealth. The trick is, you have to start early.

Photo

Tue, 04 Oct 2011 07:54:40 -0700

I am a huge fan of minimal artwork and this is an excellent...

Wed, 28 Sep 2011 18:36:05 -0700

I am a huge fan of minimal artwork and this is an excellent example of it.

Photo

Wed, 28 Sep 2011 14:21:05 -0700

Intriguing new lighting system.

Tue, 27 Sep 2011 18:01:05 -0700

Intriguing new lighting system.

Photo

Tue, 27 Sep 2011 13:16:06 -0700

There are some great everyday object series out there, but this...

Mon, 26 Sep 2011 17:25:05 -0700

There are some great everyday object series out there, but this one takes the cake.

Photo

Mon, 26 Sep 2011 13:00:05 -0700

Video

Sun, 25 Sep 2011 17:45:05 -0700

Photo

Sun, 25 Sep 2011 13:50:05 -0700

Photo

Sun, 25 Sep 2011 00:29:35 -0700

The search for a confederate

This is awesome.

My Top 5 Artists (Week Ending 2011-12-18)

My Top 5 Artists (Week Ending 2011-12-11)

My Top 5 Artists (Week Ending 2011-11-13)

Video

Video

My Top 5 Artists (Week Ending 2011-10-9)

Video

10 Things I am Trying to Teach My Kids About Money Before They Reach Adulthood

Photo

My Top 5 Artists (Week Ending 2011-10-2)

I am a huge fan of minimal artwork and this is an excellent...

Photo

Intriguing new lighting system.

Photo

There are some great everyday object series out there, but this...

Photo

Video

Photo

Photo