Thursday, November 6, 2008

Speaking of fear . . . . . Money

Money . . . "the sordid topic of coin" as Isabella Rosellini says in one of my favorite quotes from "Death Becomes Her,"  . . . I know that the number 1 fear spot for most Americans is public speaking.  Simply raising your voice to be heard above the crowd is feared more than death, but I don't know where money ranks on the list.  Certainly some people's money fears paralyze them to total inaction, whereas others act quickly and irrationally.  Despite FDIC insurance, we did have a run on some of the banks during this financial crisis and despite FDIC insurance, some people did lose money because they held more than the insured amount in an institution.  

You may have heard Dr. Phil say "you don't solve money problems by throwing money at them" or perhaps you've heard the statistics about lottery winners . . .  they tend to settle back to the financial status they were at BEFORE winning the lottery.  Moreless, if they managed their money well, they still did and if they didn't, they still didn't.  

I think one of the reasons that money is so scary is that there are no set rules as to what to do with your money.  The best choice at any given time is fluid and changes with the state of the world.  For instance, how many people, right now, have $7000 in their savings account at about 1% interest, while they are carrying $7000 of credit card debt at 25%?  How many people make the minimum payment on their mortgage at 5 or 6%, while holding that savings account at 1%?  Simple math tells you to gravitate to the solution that earns you the most return; simple fear keeps you from doing it.

Warren Buffett says "Be fearful when others are greedy and be greedy when others are fearful."  But truthfully, the individual investor tends to buy at the top and sell at the bottom.  At the top, we're afraid of missing out on opportunity and at the bottom, we are afraid of losing it all . . . frequently just before things were going to get better.  

Most of the time, we would rather trust someone else's judgement than learn about the subject and trust our own.  I suppose it gives the illusion of someone else to blame.

Friday, October 31, 2008

Best Halloween Ever . . . aka Beauty is in the Eye of the Beholder

So it was the best Halloween ever.  Maybe it was the three man mariachi band accompanying my last trick or treaters who serenaded me with Cielito Lindo . . . but I also really enjoyed two comments.  First, maybe I should say:  1.  I have a very large honeysuckle hedge in front of my house that surrounds an arbor walkway to my front door. It completely blocks the front of my house from view and 2.  I had a string of orange lights and a red rope light strung on the arbor, a large black spider in the arbor with a strobe light aimed at it, red celophane over my front porch lights, and a small rubber alien sitting on the front step.  Oh and an unlit skeleton hand in a pot just on the door side of the arbor.  Not alot of decoration, but some.

The first comment came from the only boy in my first group of trick or treaters.  "I didn't know this was a house."  The comment's counterpoint was made very late in the evening by a girl in one of the last groups.  She repeated 2 or 3 times, probably not knowing who to tell, "I like your house.  I like your house."  Then she quietly added, "I think it's pretty."  

I wasn't the person handing out candy just then . . . or I would have given her an extra piece or two.

Thursday, October 30, 2008

Speaking of afraid . . . .

The other night I was working on a customer's video to DVD project . . I was watching something else on tv, though, and when the customer's tape finished, it automatically rewound.  I was sitting on the couch next to Peabody and Art was on his other side.  The minute that tape began rewinding - Peabody puffed to twice his size, stood with his back arched, and no amount of consoling would keep him in the room.  Later, after Art had gone home and the customer's project was long finished; I saw Peabody walk cautiously near the equipment only to slap a table leg . . .just in case.  

I remember when Mew used to slap every padded hanger she'd encounter.  

It's twisted, but I miss that a little.  It seems like you move too quickly from the curious but cautious kitty to the over-relaxed, fat and always sleeping mature cat.  While Peabody was fleeing the hissing VHS tape, Mew barely even cracked her eyes open.   

Just comes down to another lesson learned . . .enjoy the now . . . now.  If you spend too much time reminiscing about what the cat did last year . . .you may not notice what he did today and you'll spend your whole life missing what you barely noticed while it was happening.

Saturday, October 18, 2008

Fear Itself

"The only thing we have to fear, is fear itself."  "It's always darkest before the dawn."  

More than anything else, I think, your humanity is defined by your relationship with fear.   Some people court their fear openly whether they are riding rollercoasters or freefalling out of airplanes; some live those "quiet desperation" lives barely able to leave their homes.  

There is no greater high than beating your fear and there is no greater low than realizing you have sacrificed yourself . . . only because you were afraid.  

I have a friend who loves to run her foot just adjacent to an unsuspecting cat to see how high it will jump.  Watch the stock market these days and you will see the ones who yell "Fire" in new crowded theaters.   Forcing someone else to expose their fears can make you feel more at ease with your own; in the right circumstances it can also make you a lot of money.  

Don't kid yourself . . . something is always ending . . .but something is always beginning just beyond that.  

What would you do if you weren't afraid?  

The Dork . . . er that is . . Peabody responds

Prrr. . . what?  That old biddy?  Well, she's good for some entertainment, isn't she?  I mean, if you run, I will chase you, won't I?  No matter how much you spit and hiss.  

Prrrup prrup. . . oh.  The human?  A bit slow, but I won the jackpot when I met her.  I showed up on her doorstep for a few weeks before she noticed that I was three times the cat my collar had been built for.  I'd rub against her legs, do headstands on her feet  . .  . put on a show.  When she finally did notice, I made sure not to spook her as she took it off - not an easy trick because she didn't have the sense to cut it off . . .she actually unbuckled it. . . .I thought she'd kill me while saving me.  

Since then, . . . . prrrruuuup prp . . .well she's like a mouse dinner, isn't she?  Right under my paw where I want her.  

Friday, October 17, 2008

Let Me(w) Set things Straight


So let me give you the real story . . . she's an all right human for the most part . . . a little soft maybe, but all right.  She seemed lonely so I began visiting her house and she would feed me and eventually she brought me inside.  I had it made.  She was easy to train and soon I had her getting up at 3 am and 5 am to give me treats . . .in addition to regular meals at 6 am, 10 am and 7 pm, of course.  I trained her which food was the proper one to give me, to lift the blankets for me on the bed and raise the curtains when I wanted to look out.  Life was pretty sweet.  I was boss of the house.  The undisputed Queen Kitty.

She takes a little maintenance . . . she's a little needy.  Checks in every hour or so when she's here, to run her paw on your fur or mumble into the back of your neck.  It can be a little irritating when you've settled in for a nap or she pulls out that clicking metal thing just when the finches are in the fennel on the other side of the glass.  Most of the time, she knows her place and is easy to manage.  

But she's soft, all right?  How could I know she'd bring that dork in too?