Monthly Archives: April 2011

Financial Peace: Restoring Financial Hope to You and Your Family

As I mentioned in a previous post, I have been reading Financial Peace by Dave Ramsey.  This was a recommendation from an old friend and fellow trail rider who also happens to work in finance.  Bryan sent me a few titles, unprovoked, so I thought that now, as we work to harness the power of our income, would be a good time to give those recommendations a look.

Financial PeaceNow, despite some recent revelations concerning some daunting student loans, and our lofty financial ambitions, our hope is not yet dashes to pieces as the book’s title would suggest.  This book does have a remarkably calming effect though.  Ramsey’s approach is low-key and understanding.  The font is big and the lines are generously spaced.  The reader does not have to work to read, or understand, the messages in this book, a trait that I think is often taken for granted in this sort of literature.

Ramsey is a Christian, and his faith plays a large portion of dictating his financial management strategies.  He understands that Christ-centered households are not always out to scrape their way to the top and forgo all morals to become rich, but aims the message at the families trying to pay off their debts and make smarter decisions to (as the title says) restore peace.

The best portrayal of this approach is illustrated early in the book as the author draws attention to the old adage, “Measure your wealth not by the things you have, but by the things for which you would not take money.”  He even goes so far as to list a number of scripture verses relevant to a Christian’s tithing, pulling back far before he reaches the point of “preaching.”

But don’t misconstrue these empathetic traits as ineffective or passive, the majority of the book is filled with logical steps and experienced tips for managing your personal wealth.  A few of the ideas with strong personal resonance is the “snowball method” for debt repayment and the “envelope cash system” for monitoring and controlling monthly spending.

The read is quick, and I can think of no individual within my sphere of influence that would not benefit in some regard from the helpful messages within the book.  So, Thanks Bryan, and I think I will move directly into the next recommendation, Multiple Streams of Income: How to Generate a Lifetime of Unlimited Wealth by Robert G. Allen.

Multiple Streams of IncomeI completed the first chapter of this particular book last night and if it were not for the recommendation of someone I trust I would probably not go any further.  This is one of those pieces of media that looks, sounds, and feels like a scam.  The bold font, the abundance of graphics, and the lofty promises of copious amounts of additional income with no mention of hard work or significant upfront investments.  Anyone who is familiar with the appearance of online financial scams would raise their suspicions from the first few pages.  But, often first impressions are misleading, so I will continue. At least the first chapter was dense with allegory and metaphor, depicting mountains of wealth and money trees with ripe fruit filled with $100 bills for seeds.  So there’s that.

Do you have any other recommendations of good books you would like me to read and discuss, or discuss yourself?

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Easter Road-Trip

Happy Belated Easter.

As is our custom, my wife and I plan to vacation during the Easter holiday.  It marks our ceremonial entrance into the fair weather vacation seasons.  It also cuts down on the crowds because it is almost always raining.  We don’t mind the foul weather, born and raised in upstate New York we have both grown accustom to willful optimism in regards to precipitation and focus on attractions that are unaffected by gloomy weather.  This year, for example, we were under ground.

We typically choose destinations within a reasonable day’s drive, this allows us a quick retreat to save our vacation time for more elaborate plans, and also allows us the opportunity to appreciate the beauty and diversity of our home region.  We hear so often of local residents traveling great distances to vacation, but never having visited some of the great local sites like the Chimney Bluffs or even the Finger Lakes.

This year we were immersed in planning for AMPLIFY, the new contemporary worship service at Seneca Castle, so we decided to let the drive be the destination.  We chose a few highlights we would consider visiting then just got in the car and drove.  Our first stop along the way was Alfred, NY.  I hadn’t returned to the college town since graduation and I was quite anxious to see how the Bus Stop Shelter we built the last two years of school had fared.  The last week of school, was a stressful one as we were camped out in downtown Alfred under a bright blue tarp laying brick pavers in the rain between final exams.  I had to head home before the finishing grading was complete, so I was never able to photograph the structure in its final state.  My apprehension was heightened in late October 2009 as a large fire razed downtown buildings directly across the street from our structure.

I am happy to report it is still standing, and blending in nicely with the local Architecture.

Bus Stop Plaza

The next stop was in Binghamton, NY.  There really was no major attraction for us to this location, but we needed to spend the night somewhere and this was a logical stop prior to our next destination.  We stayed in the Binghamton Riverwalk Hotel, but were dissuaded from exploring the city due to the completely unforeseen foul weather (sarcasm intended).  We did manage dinner at the Texas Roadhouse, but contrary to what some seem to think, they do NOT carry a large vegetarian selection as even their green beans are laced with bacon.

We got up early and headed to our next highlight.  Howe Caverns.  This was a great experience I am glad to have done once.  Never experiencing a true cave, it was quite appealing to my scientific brain.  But will probably never return, at least not without kids.  There were a few disappointments, namely the lack of any significant advanced scientific educational opportunities, and the over commercialization of the experience.  This is not to say I did not enjoy myself.  I could walk the space and imagine what the experience would have been like before the colored lights, iron railings, and paved walkways,  but if I were to say that the obstructive presence of these elements was not, at least, distracting I would be lying.  These compromises by themselves would be entirely tolerable if the admission price would accurately reflect these concessions, but it did not.  In simplified terms, it cost too much.

I was able to manage some inspiring photographs though.

Chinese Pagoda

The next major attraction was Albany, NY.  The capitol of the Empire State.  And even though The Wife falsely led me to believe she had never visited the city before, it was nice to do some real touristy things.  We spent a few hours in the New York State museum, (again a rain-proof activity).  Traversed the post-apocalyptic concourse, and were fortunate enough to emerged from the egg into a rain-free world.  We spent a few minutes grabbing some photographs and logging some Geocaches before we headed off to the car to catch up with some good friends from college.

These are from one of my favorite exhibits at the museum.

The trip home was a bit more direct, with some detours for more Geocaching at one of the worlds largest lift locks on the Erie Canal.  The drive was nice, but there is some mystical phenomenon that occurs when more than one person share the space within the passenger compartment of a vehicle for extended periods of time that leads to general discontent.  Overall, both driver and passenger made it home safe and enjoyed a relatively bicker free trip.

Empire Plaza

Empire Plaza

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Get a load of this… an update

Don’t let the title fool you, much of my recent activity has been quite benign, you know taxes and all that, but there have been a few highlights worth sharing.  As previously noted, The Wife and I have been quite busy.  At this point I believe this observation bears some explanation.

amplify logoWe have been organizing many changes within my home church and in coming weeks we will have the opportunity to see many of these to fruition.  Amplify, a new contemporary worship service will be commencing at Seneca Castle United Methodist Church Sunday evenings beginning April 17.  This service represents a culmination of a lot of hard work and preparation from many individuals.  The research, prayer, and study that has led us to this point has fostered a closer sense of community and renewed momentum for change within the church…and the new service hasn’t even started yet.

There have been other smaller projects that have developed in tandem with the creation of the new service.  I am designing and building my first website.  A lengthy process involved learning HTML and relevant software.  My first creation is the Seneca Castle UMC homepage which I created using basic HTML code.  The next will surly utilize some development software for assistance.

In addition to virtual construction, I am also facilitating some rather intensive renovation projects within the sanctuary that will expand the flexibility of our existing chancel and increase the usable space at the front of the sanctuary.

financial peaceOutside of church I have been stretched my techie muscles by reformatting one and a half computers.  (The half is where the stretching comes in, the laptop is 8 years old with a monitor that doesn’t work, I don’t have the original OS CD or administrative rights.)  I have moved on to a new book, by recommendation from Bryan, my local financial expert: Financial Peace: Restoring Financial Hope to you and your family by Dave Ramsey.  But don’t worry, our financial straits are not as fraught with disaster as the title of the book would make it seem.  The lack of hope alludes to the authors past, Ramsey was a successful real estate investor, lost everything, and climbed back out to lecture, teach, and write about financial success, the book is his story.  I’ll let you know what I think when I get through it.

gordon freemanI also managed to reinstall Half-Life 2 on a freshly reformatted computer, through much grief and stress thanks largely to the inadequacies of the Steam gaming platform.  The Half-Life saga is one of my guilty pleasures I choose to indulge in occasionally.  I love the story and enjoy exploring the universe created around a dynamic cast of characters.  Every few years I load up the past games and play through the whole series just for the experience.

I suppose the most unusual project I have tackles lately resulted directly from a walk in the woods with my father.  Each spring I wander through the woods that borders Flint Creek behind my house and dig through the debris that was washed ashore by the swell of the water as the earth thaws out.  Usually we find a host of old bottles, usually some plastic lawn furniture or kid’s toys or sleds or snow shovels left to close to the water’s edge.  This year we found all of that, and a beaver.

In one especially large log jam that has been accumulating for many years at a sharp bend in the river we found the carcass of a large beaver pinned between two logs.  We do not know how it died or ended up in the pile of logs, but it was a rather noteworthy discovery as no beavers had been in evidence in the area around my home my entire childhood.  I grabbed a few photos and we returned to the house.  A few days later though, and after some pointed research, I decided it was just too good a find to let the waterlogged carcass rot to nothing out there.  Part of it may have been scientific inquiry, part of it may have been morbid curiosity, or all of it might have just been my constant desire to begin new projects, but I got it in my head that I was going to attempt to preserve the skeleton of that beaver.

beaverThis process certainly deserves a dedicated posting as the endeavor should last through the summer, but the abridged version goes like this:  I went back and broke the animal free, put it in an old metal water tub, covered it with sheet metal, hung it by its legs, removed the hide and internal organs, replaced it in the tub.  Currently, the beavers is waiting for a more through cleaning and for the temperature to increase and the discovery of dermestid beetles to clean the flesh from the bones.

beaver face

At least if I put it in a separate posting it will allow readers the option of skipping the photographs if they prefer.

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