Great smokey Bones Coupon

Here's a great coupon from Smokey Bones. I use these all the time...crazy thing is, you can print them off over and over again, and use them until they expire.

Deer hunting how-to

Haha, this is funny:

The botfly in my head

This is pretty fascinating. I saw a link to this video in the New York Times this morning. Thank you to naturebreak.org.

What's up with Facebook?

I don't mean to sound like a jerk, or rant and rave about nothing, but Facebook is getting annoying.

Today someone tagged me on a note that was attached to a nasty photo of a dog - presumably one of Michael Vick's (who's to say?) - who's face had been so mangled, it looked like spaghetti. Seriously, I don't need or want to see this. Especially not on Facebook. I thought about sending the person a note explaining my disgust, but then decided I didn't want to hurt the person's feelings, and left it alone.

I'm gonna hitch off on a tangent here:

Come on people...the guy has paid his dues. OBVIOUSLY he screwed up...and he spent 18 months in prison. And frankly, who are we to say we shouldn't let the guy pursue life, liberty, and happiness, now that he's paid his dues? This is the United States of America. People get out of prison everyday. Some go on to be productive citizens, some don't. People have been convicted of manslaughter, and served less time. I'm not condoning the guy's actions - no way...but there are far more important issues we should be focused on.

And as far as Facebook goes...I don't want to be part of your "Mafia Wars crew", I'm probably not going to "support your cause", and I don't want anything to do with your "Sunshine Ranch"...I may have been your classmate, but I'm not into "Yearbook" - and I'm not going to "Send my friends a sunset", or a "full charm bracelet".

Come on people! Seriously...this is a huge drain on society. People who could be working on something productive, are instead quizzing themselves on "Who is your guardian angel", or "If I were a state, which one would I be?" or "How heartless are you?" Hahaha wow.

And a note to Mark Zuckerberg:

See MySpace. It could happen to you too.

New phone number

This is just an update to let everyone know that I’ve switched to Google Voice - so check out my Facebook page for the new number.

My old number will continue to work for the foreseeable future, but please delete that old worn-out number, and switch to the new one! haha

Sorry for the dumb "hey everyone, I'm changing my phone number!" post - but the whole idea behind Google Voice is that this should be the last time I'll ever have to do this...

Cheers. :-)

Google Voice

A few days ago a buddy asked me why Google Voice. This was my response:

There's no hugely obvious reason to switch to google voice, but by switching there are some really nice features that you don't get with a regular cellphone number. The biggest reasons for me are:

1) I hate voice mail, and google voice allows me to view my voice mail visually by signing into Google Voice online, and managing it there. Google also transcribes your voice mail into text. Same with text messages. If you lose your phone, you can sign into google voice, text all your buddies, and let them know what's up.

2) Google voice allows you to manage different contacts in groups. Basically that some people (friends) receive different treatment by the system than others (your boss, future employers, etc.). You can record different greetings, set up different privacy schemes, etc. using groups of contacts. Of course the contacts are identical to the contacts you have in Gmail.

3) Call forwarding. You can forward your google voice calls to whatever number(s) you want. If I go home for the weekend, and I decide I don't want to take my cell with me or if I don't get service, I forward the calls to my parent's phone. If I'm at work, I can have all my calls ringed to my work phone AND my cell phone - and then answer whichever one is more convenient at the time. If I'm in Puerto Rico for a week - I can send all my calls to the place in PR - people call my usual number, but the phone in PR is what rings. Call forwarding is nothing new, but google voice allows it to multiple phones, and it's a lot easier to manage with the online interface.

4) I chose a number local to my parents. Now they can reach me on my cell phone by dialing a local number from their landline.

*UPDATED 8/18/2010*

5) Total integration with the Android Mobile OS. Basically, you don't need to buy a text messaging plan anymore. The only downside is that your friends and contacts who don't have Google Voice won't be able to take advantage of mobile-to-mobile texting...so your texts are going to count toward their text messaging package (but not yours!). Tell them to go get a Droid and sign up for Google Voice!

Here's a good article to read that pretty much says the same thing I just said:

http://lifehacker.com/5304800/google-voice-is-cool-but-do-you-need-it

.JPG vs. RAW

Holy crap. I just compared a .jpg that I downloaded from Picasa to the identical .NEF (RAW) image from my camera. The .jpg looks terrible. It's way, way, waaaay darker.

Crap. I'm glad I figured this out.

Now gotta figure out how to fix...problem is, Picasa is doing the file conversion when I upload the photos. If I set the camera to take .jpg images in high res, I'm wondering if they'll look as good (or close) to the .NEF (RAW) images???

My hope is that Picasa is screwing them up, and that .jpg are not really THAT much lesser quality than the RAW images.

Problem is, right now there's not any point in even uploading the .jpgs, they look so terrible. I don't want ALL my pictures to look that bad.

On the flip side, none of the online photo hosting sites handle RAW images. I thought SmugMug did, but it's a real pain in the ass...not worth it.

Nikon has its own hosting service, but it's probably expensive, and not very user-friendly.

Crap, I can't BELIEVE how bad the .jpgs look coming out of picasa....

Anyone have any ideas?

Cool developments this week

I found out about a couple of cool things this week.

New York Times Desktop App

First, the New York Times now has a desktop app running on the Adobe AIR platform. I downloaded it, and it's pretty cool. It's about as close to the real thing that I've seen as far newspaper websites and mobile sites go. The most intriguing thing though is the fact that this app isn't free. The Times plans to charge $3.45/week for full access - and for the first time, I think this is something people might actually pay for. The app provides such a rich experience that I think people will (literally) buy into it. If it works for the Times, I'm really curious to see if it works for other newspapers, and especially local newspapers.

MiFi

The other development that's kinda gaining a lot of buzz is mifi. The idea here is that you'll be able to split a 3G signal with a portable router = no more reliance on DSL, cable, T1 lines. You'll be able to pitch the mifi device in the middle of a park, or at the beach, and your friends can surf the web while catching rays. So far, I've seen plans for a Sprint device and a Verizon device. I'm hoping that once these things come out, my parents (who live in a rural area) will be able to break out of their dial-up funk and catch some wireless broadband.

Seesmic vs. TweetDeck

I haven't spent much time on this yet, because I just started using Seesmic a couple days ago, but I'm already disgusted with it enough that I quit using it...at least for now. There are some issues:

1) I have my Twitter and Facebook accounts synced...when I update Twitter, it's supposed to update Facebook too. On Seesmic, for some reason, it doesn't work. I have to do both, separately, which brings me to the next problem: 

2) You can't (as near as I can tell) update Twitter and Facebook at the same time. It doesn't give you the choice. THAT'S annoying, especially because of #1.

3) One of the reasons I wanted to try Seesmic is because I had read (from a bunch of sources) that it's Facebook integration was much better...One thing I noticed is that it bundles all the Facebook interaction together...i.e. when I write on someone's wall, it shows up looking exactly the same as if I had changed my status, and vice versa for others doing the same. Very confusing.

Granted, I'm running Seesmic on Linux, and I'm not sure it was intended to do so....but it's an AIR application, and I'm running AIR on Linux, so I see no reason why it shouldn't work...

Let me know if I'm completely off my rocker on this, but Seesmic seems totally inferior to TweetDeck.

*UPDATE* Apparently, Twitter's Facebook app is broken...hence the issues here. I'll test it out again once Twitter/Facebook get everything back under control...

A layman's economic prediction

I'm not trying to be arrogant with this post...I'm a total layman when it comes to economics. I took an economics course when I was at MSU - but at the time, economics was about the least interesting subject I could possibly imagine. Since then, I've become fascinated by the economics, although still, I'm most certainly ignorant by comparison to anyone who has formally studied the subject.

But with that said, I think I can actually boast that on some level, I predicted the economic crisis we're now working through. To my untrained eye, there were a lot of indicators (although not the financial ones they speak of on CNBC) that raised my eyebrows - as far back as summer 2003.

PAST PREDICTIONS...

In June 2003 I took a new job, and moved to Traverse City. I immediately started looking for a house to buy. I had an acquaintance who worked for Merrill Lynch, and as soon as he heard about my plans to get into a house, he gave me a call, and tried his darnedest to get me into an "interest-only" loan on a 5-year balloon. I was pretty naive, and this sort of loan really appealed to me because he said it would enable someone like me to buy a REALLY nice house - certainly much nicer than what I could have afforded with a more traditional, fixed rate loan. He even said that if my parents were willing to cosign for this loan, that I would most certainly be approved, and be ready to put my new-found buying power into my dream house...not only that, but he was confident that when the balloon rate ended, that I'd be able to refinance on the equity of the house, because surely a house in Traverse City would be worth way more when it was time to refinance in 2008...

Thank goodness my Dad is a pretty smart guy. I told him about my plan to apply for the interest-only loan, and he kinda laughed before asking "are you serious?". He quickly explained to me that interest-only balloons were a disaster waiting to happen. I called the guy back, and went with a traditional loan from my credit union.

I used to drive a truck. For a few years, I thought it was the stylish thing to do, and without regard to the amount of money I spent filling up the gas tank, I continued to love driving a truck. Sometime around the middle of 2004, my love-affair with truck-driving began to unravel as gas prices slipped past the $2.00/gallon mark. At the time, I was living in Traverse City, and I was making a lot of trips to Detroit and Lansing to see friends - and in doing so, I realized that my gas-guzzling truck was drinking down about $40-$50 in fuel for each trip I made "downstate". Ultimately, I realized that my truck-driving ways were absurd, and I went radical and bought a TDI (diesel) VW Golf. My fuel consumption immediately dropped by about 60% (the TDI gets somewhere between 38-46 mpg). Eventually, as I continued to watch gas prices climb, I realized that the demand for gas-guzzling SUV's was taking a hit. I remember a conversation I had at the time with my friend Jake, and I predicted (somewhat arbitrarily) that when gas hit $4.00/gallon, the American/Big Three car companies were going to crash because they didn't make any good small cars, and thus were wholly unprepared to deal with fuel prices above $2.00/gallon...I looked at my own budget and realized that if I was driving a truck, $4.00 gas would absolutely devastate my finances.

Soon after - in the summer of 2005, I moved back to the Lansing area. I started to consider the possibility of buying a house or condo, and eventually I found a brand-new 1-bedroom condo in East Lansing that I really liked. The condo was about 650 square feet (tiny), and the developer was asking $115,000. At first, I thought the price was outrageous - but I warmed up after I kinda shopped around, and realized that $115,000 was sort of the "going rate" for a small condo in East Lansing. I decided to apply for a loan, and as I was waiting for my loan approval, I got to thinking about an old mantra I had learned a few years earlier when I was working a lot with builders: builders at that time were charging somewhere around $100/sq. ft. for a "starter home". I did the math: my East Lansing condo was $177/sq. ft. I immediately wrote a new "lowball" offer and sent it to the developer only to have it rejected without a word a day or so later. I decided not to make any more offers because it just seemed to me that real estate was inflated, and that the prices just didn't seem realistic or sustainable...

...COME TRUE

Last summer, Merrill Lynch became one of the first Wall Street big-whig casualties as it was forced to write down failed loans, and lost $19.2 billion ($52 million/day) between July 2007 and July 2008.

Last summer, fuel prices reached into the upper $4.00 range, and people quit buying the large, high-profit vehicles that the Big Three made a fortune selling back in the 90's and early half of this decade. It devastated the industry, and GM/Ford/Chrysler are reeling to adjust.

And today, you can drive past that same condo development in East Lansing, and the sign out front advertises  prices that are 30% lower than they were back in 2005...and 20% lower than what I offered four years ago.

WHAT'S THE DEAL?

Last week, BusinessWeek featured a front-page article that raised questions about economists, and their collective failure to predict the economic crisis. How can they screw up so badly, when someone like me with virtually no finance education, saw the writing on the wall as far back as 2004?

Correct me if I'm wrong, but as I see it, the problem is that economics is a very difficult field to study using experimentation. It's virtually impossible to "experiment" with economics. Economists have to wait until disaster strikes, and then they spend years, or decades trying to figure out what happened, and what could have prevented the disaster. People are still trying to figure out the depression, and they're still trying to come to agreement on the legacy of the "Reaganomics" of the 80's. The economists just don't know.

Additionally, economics is closely tied to psychology. Not only do economists have to try to figure out the finance element of their predictions, but they also have to try and account for the mental elements - basically, what causes people to save vs. what causes people to buy?

Economics is also uniquely tied to politics - which means that here in the US, the economic policy ebbs and flows with the ebb and flow of our partisan politics. In years of republican control, the economic policy tends to be conservative...in years of democratic control, the policy shifts back to liberal. There's a complete lack of consistency.

UH OH...

Unfortunately, my latest sense is that this economy might not be close to a rebound...certainly not as close as what people hope.

These are the problems I see...and the Economist too.

1) Unemployment is still rising.

People (like me) are freaking out, wondering if they're going to have a job next month, next week, or tomorrow. When people freak out wondering about their jobs, they save money. When people save money, they aren't buying anything. When people don't buy stuff, manufacturers quit making stuff, and they lay more people off. Until unemployment stabilizes, or starts trending back downward, the economy is going to be scary.

2) Real estate hasn't quite hit the floor yet.

I don't think real estate has hit a floor. I'll admit that homes have started moving again, and that's a good thing - but I'm a little bit concerned about cash buyers (who create a "fake" uptick in demand), and the fact that there is a glut of foreclosures that are still sitting on the market. Until the foreclosure properties have been bought up, and the cash buyers disappear, there really isn't going to be a true rebound in the market. I define a true rebound to be the point where the properties are being bought up by homeowner "end-users" (a term I picked up from my friend Grant) - and not the cash-buying landlords and investment firms.

3) The automotive industry is FAR, FAR away from getting itself straightened out.

If any of the Big Three declare bankruptcy, it will throw the rustbelt into a whole new tailspin as the creditors are hung out to dry (think suppliers, bondholders, and municipalities). The midwest consumer has far-reaching effects on the nation's economy, and if one of the Big Three goes down, the recovery here will be put on hold another 6 months...at least.

LOOKING AHEAD

But the good part is.....There are some positives.

1) Inventories are running out. Initially, this might seem like a bad thing, but it's not. As inventories run out, demand for product increases, and when demand for product increases, production goes back online, and people get their jobs back.

2) Governments around the world, and especially here in the US have injected a massive amount of liquidity into the banks in an effort to get them lending again. It looks like maybe the banks are finally getting comfortable loaning money to consumers, and with the interest rates as low as they are, the US treasury is doling out ridiculously cheap money.

3) With the available cheap money, and a new willingness to hand out loans, people will start making big-ticket purchases again, and this will be good for real estate, as the "end-users" I mentioned earlier start buying single-family homes, and rebuilding our neighborhoods. Eventually, the demand will increase, and people will find good investment in homes and real estate.

4) Tough times breed ingenuity. When people lose their jobs, they're often forced into working for themselves, or learning new skills. Sometimes this leads to new ideas or people figure out that the job they've had for the past ten years didn't allow them to fully tap their talents. Additionally, companies are forced to get innovative when times are tough. Budgets are stretched, and people find they have to work harder to glean profits.

So with that being said, there are a lot of things to look forward to - although it may take longer than we anticipate. Hopefully our automotives can hold it together, and if so, the worst of theis downturn will be behind us, and unemployment will smooth out by late summer. If not, we're looking at early or mid-2010 before we can expect any sort of major sustaining upswing...