Monthly Archives: April 2009


From QandO:

The UN – your third-world debating club at work.

Good at taking reports, but not so much at doing something with them.

The Baltimore Sun reports the results of a police survey:  good at taking the police report, maybe not so much at following up.

A related anecdote:

My neighbor’s truck was broken into in August of last year.  The little thieving bastards got his garage door opener, opened the garage, and stole a motor scooter.  It was, as far as he knew, never recovered, and he purchased a replacement.

I ran into him this week.  After more than 6 months, the police called to inform him they recovered his scooter the day after it was stolen.  It apparently had run out of gas, and the little thieving bastard abandoned it.  Since August, the stolen scooter has been sitting, exposed to the elements, in a city impound lot.  There was minimal damage done to the scooter in the process of being stolen, and significant damage done while it sat outside for 6 months.

Six.  Months.  To have someone match up a report of a stolen scooter and a scooter matching that description, with that serial number, sitting in a city parking lot.

Really, how hard can this be?

(Disclosure:  My experience with an assault was positive from a response standpoint, but I don’t recall if the arresting officers were ever present in court, as the defendant never went to trial, due to a mutually agreed upon alcohol treatment program.  My experience with the investigation of a number of home invasions near my old house was positive from an investigation standpoint, but I have no idea if there were any convictions.  My experience in the few cases I’ve called police or known someone who did, the response and professionalism of BPD officers has been very good.)



239 pounds, 39.5 waist.

That’s plus 5 pounds with no waist change in the last 3 weeks.

The Emergency Fund Fallacy

As a full disclaimer, I am the anti-guru. I saw a post on a blog a couple of days ago from a self proclaimed expert explaining the need for an ‘Emergency Fund’, and I thought a post might be in order.

In plain language: if you have any consumer debt (credit cards, car loans, etc), you should not have an Emergency Fund if your goal is to increase your net worth. There is no reason to pay interest to save money.

Lets say you have $10k in credit card debt, and you are paying 20% interest on that debt. You decide you need 6 months after tax in the bank as an emergency fund, in case you get laid off, or hit by a bus, or mauled by a dog, whatever. You make $60k a year, so you need about $20k in the bank.

Think about that for a minute. How long would it take you to save $20K? And you want to not pay off your credit cards for that long? A significant “EF” is a huge mistake if your goal is to increase your net worth.

If your goal is to increase your net worth, you have to get out of debt. If there is no direct need for the cash (what are the actual odds you’ll need the fund?  If they are high, then it’s not an emergency, it’s something that should be in your budget), pay off your credit cards and your car loan, THEN gather 6 months cash.

My suggestion is to have a 2 week cushion over your budgeted needs so you aren’t literally paycheck to paycheck.  You don’t want the timing of due bills doesn’t create any issues.  But more than that, you are paying interest on money you don’t need to just sit there.

If you do find yourself in a position you need more than a paycheck’s worth of cash for something (the transmission is shot, need to repair that roof leak), use the available credit you’ve created by paying off your debt. You are still better off, because you haven’t been paying interest on that money while it sat doing nothing, you only have to pay interest on it while you need it.

If you are disciplined, it won’t be long before you are out of debt and paying for those emergencies with cash you have saved.  Saving while you are in debt or while you rack up more debt is the main reason people struggle to build wealth.

4/19/2009 Training

Bench Press
255×6 (PR)

DB Incline press
3×15 @ 50

DB Row
5×10 @ 60

20 mins recumbant bike

Training, 4/17/09


45 degree hypers


Don’t mess with Texas

I think Texas just went to the top of the list of places I would like to live.

Speaking to an energetic and angry tea party crowd in Austin Wednesday evening, the Lone Star State governor suggested secession may happen in the future should the federal government not change its fiscal polices.

“There’s a lot of different scenarios,” Perry said. “We’ve got a great union. There’s absolutely no reason to dissolve it. But if Washington continues to thumb their nose at the American people, you know, who knows what might come out of that. But Texas is a very unique place, and we’re a pretty independent lot to boot.”


Anyone who can wear Wranglers needs to squat some more.

From Jim Wendler at Elite Fitness Systems

Tax Day Training

They can take my income, they can try to take my liberty, but they can’t take away a good effort in the gym

150×5 (PR)


Face Pull
5×15 @ 50

20 mins treadmill, 3mph, 5 degree incline, 1 mile, 200 cals.

Training 4/13/09

Training got screwed up (OK, motivation to train got screwed up) this weekend, so I’m a little behind.


Leg Press
3×15 @ 180

Leg curl
5×10 @ 70

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