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Orson Card’s Literary Boot Camp
Just apply already! Orson Card has just announced the dates and location for this year’s literary boot camp. This one is in North Carolina. Card usually usually holds a session in the west every other year. But here’s the deal: east or west, if you are a new writer, this is THE workshop to attend. It is hands-down THE best workshop I have ever attended.
If you want to learn how to write fiction from one of the masters, you will apply (the boot camp is limited to 12 people) and then do whatever it takes to attend if you’re selected. The two day writing class is also great. I don’t know that I would spend hundreds of dollars to fly in for that, but I would and did spend hundreds to attend the boot camp (way back in ye year 2002).
For more information, go here: http://www.hatrack.com/misc/bootcamp2014/
How to Get Rich: Spend
No, really. It’s true. You just have to spend smartly. And in a special way.
Over the course of your life, if you make what the average American does, more than a million dollars will flow through your hands. And yet so many of us don’t feel rich. That’s because money is like the Gingerbread Man. Turn your back on it, and it’s out the door, rudely taunting everyone as it flies by. And then it gets eaten by a fox. Such a waste.
But it doesn’t have to be.
Let me share with you THE best method I’ve found for managing my money. It takes tons of anxiety out of spending and saving. And, if you’re a Dave Ramsey fan, it is the one thing upon which everything else he teaches depends. If you’re not a Ramsey fan, it doesn’t matter. After getting a job, this is the first thing you must do to get rich.
Here’s the big secret. It has three parts:
1) Decide how much you’re going to spend on various things BEFORE you spend it
2) Make what you have left in each spending category EASY to track
3) Manage the things you can’t foresee
To do the first two parts, you’re going to create a special kind of spending plan. We won’t use the term “budgeting” because “spending” is so much more fun, and because that’s what we’re going to do anyway. To understand how to do this, you need to watch three videos.
Before you do, please know I earned a Masters degree in accounting. I’ve used Quicken for more than twenty years. Neither of those things has helped me manage my money like this simple method. If you’re looking for a better way to manage your money, this is it.
First, watch this video to get an overall idea of how this method works.
Note: you can use actual envelopes and cash for everything if that makes you happy, but you really don’t need to. The idea is to think of pre-allocating your monthly income to categories of expenses AND then having an easy way to track what’s left.
Now, watch this bubba explain how he does it.
But John, didn’t he say the same thing?
Basically, but he has a fun accent. Besides, it’s good to see another example. And please note again: you don’t have to use actual envelopes and cash, although many swear by them.
Finally, watch this one. No, it’s not just another repeat. There are some additional important ideas illustrated here.
This video brings up the idea of why simply tracking an overall account balance isn’t very helpful. It also shows you WHY envelope categories are–they make it immediately apparent how much money you have to spend for a thing. If you just use Quicken to track what you spent (looking in the past), you’ll run into troubles. Let me tell you, I know this from experience. We use Quicken, and have for years, and plan use it for some time to come because it makes taxes and bank reconciliation a snap. But Quicken only tracks what you spent. Tracking, as important as it is, is not the key to success. The key is pre-allocating BEFORE you spend. And then tracking so you know what you have left in that category. And making that tracking EASY.
The final thing you have to do is manage the things you can’t foresee because things rarely go exactly to plan. Unexpected things ALWAYS come up. Your daughter will crash the car. Your husband will get appendicitis. You will forget that you had a $200 school sports expense.
Okay, fine. Things happen. But how do you manage them if you can’t foresee them?
If it’s really small, you simply adjust your plan. For example, if you need $30 more in food, you can transfer it from fuel if you have some extra there.
You manage larger things by building up an emergency fund. Ramsey suggests starting with a $1,000 emergency fund and then trying to get two to three months of living expenses—about $10,000 to $15,000 for most people. Unexpected things WILL happen and cost your money. So build up some cushion to take care of them.
Finally, you manage the really large things by getting proper insurance. This is what insurance is for. The types of insurance you need include (1) homeowner’s or renter’s, (2) auto, (3) medical, (4) long-term disability, (5) long-term care (for those 60 and older), and (6) life insurance. You may add true identity theft insurance as well.
Okay, so that’s the overview. If you want to try this, here’s how you do it. It’s fairly easy.
STEP 1: get your head straight
Resolve that you will NOT use credit for anything. You will not spend any money you don’t have. You will not put another dime on a credit card, and this despite the fact that the plastic devil companies are begging you with offers almost every day to sign up for their cards. (Hum, I wonder how they afford all that junk mail.) If your monthly bills are greater than your income, then we have to fix that first. But the new law of the land is zero new debt.
Next, always remember to allocate your money to these categories first—shelter, food, adequate clothing, and adequate transportation. This means if you have a crunch month, you would NOT pay credit card bills before food, even if you work for Visa.
STEP 2: get your blank sheet & pencil
Get out a piece of paper and pencil (not a pen) or open an Excel spreadsheet. Whoa, that was an easy step.
STEP 3: list your monthly income
List your expected monthly income at the top from all sources.
STEP 4: list your spending categories
List your spending categories. You’re going to split them into two groups.
The first group goes right below your income and includes all of your recurring monthly expense/spending categories. Not the amounts you spend. Just the categories. Things like mortgage, electricity, phone, groceries, dining, etc. Make sure you include some entertainment/fun money.
The second group goes below your recurring monthly expenses and includes all of your major annual periodic expense/spending categories. Things like Christmas, vacation, clothing, kids back to school stuff, etc. And things you want to save for—a couch, iPhone, car, etc. Your emergency fund goes here as well.
If you need help thinking up categories, use these Ramsey resources: Monthly cash flow plan forms and Monthly allocated spending plan form.
STEP 5: Fund your categories
Decide how much you will spend in each category this month. You should have 0 dollars when you get to the bottom of the sheet. Spend (allocate) every dime BEFORE you start the month. You’re going to do this at the beginning of each month. And you will probably have to adjust it a couple of times during the month.
You will probably have categories that don’t get any money this month.
You will also have categories that get money, but you won’t spend any of it this month. These are your periodic expenses. Your goal is to have the cash up front to pay for them, so you have to save for them. Remember, you are NOT going to take on any new debt.
For example, if you’re saving up for Christmas, you allocate some money for that out of this month’s funds and TRANSFER it to savings. Then it will be there when you need it. You could draw the cash out and put it in an actual envelope, but you don’t have to. Just as long as you keep a record of the total amount in savings and what it’s all supposed to be for, i.e. total savings in July = $1,000: $500 for back to school, $200 for Christmas, and $300 for my trip with kids to Six Flags in 2013.
STEP 6: mark the “watch” categories
Some of the categories you need to watch closely, and some you don’t. The ones you need to watch closely will be your “envelope watch” categories.
The categories you don’t need to watch as closely are those that are automatically taken out of your account each month. And those you will write a check once a month for. These things include mortgage, car payment, electricity, etc. These are NOT categories you need to use actual envelopes for. You can track it on paper or in the spreadsheet. Not much happens with these categories.
But there are other categories that you’re going to be spending throughout the month, and it’s easy to over spend if you don’t track them. Groceries, dining, entertainment, gasoline, a specific vacation, etc. are all categories that you make multiple purchases with each month and are flexible/discretionary and need to be watched closely. So while everything is tracked in a category/envelope on paper or on the computer, you’ll track these with either a real envelope and cash or a virtual one using that free software you saw in the third video or a piece of paper with a running category balance in your wallet.
STEP 7: have fun and spend!
Now go out and spend!
Before spending, check your envelope. Do you have enough money? If you do, spend and be happy. If not, save up for it or find a way to save money in another category and adjust so that you’re still spending the same total amount. Never spend what you don’t have.
If you feel you need something not planned for, well, you have to get it later OR transfer something out of another envelope. I just make myself wait a day or three, and usually the urge to buy, Buy, BUY! goes away, and I see I don’t “need” it right now. Or maybe a more affordable option presents itself.
If the kids want something, and you feel guilty you can’t give it to them, just tell them what’s in the envelope/category, and tell them they can save for it or choose something else in that category that will fit with what you have left.
If you’re tracking envelopes virtually or using the paper balance in your wallet, you MUST update your envelope AFTER every purchase so you don’t spend more than you have. If you find you just can’t seem to remember to do this, go to the cash method.
That’s it!
Of course, that’s not quite it because even though it’s easy, if you haven’t done this before, it might take some adjustment. Give yourself a month or three to get it down. Because when you do, it WILL produce great results and peace. It’s doing that for us.
If you feel you need more info, I suggest you read Dave Ramsey’s Complete Guide to Money. Here’s the first chapter to sample: Complete Guide To Money sample chapter.
Happy spending.
EDIT: here’s another video to watch: http://www.youneedabudget.com/. Then read about the method: http://www.youneedabudget.com/method. This one highlights the idea that you need to make sure you realize that things will happen that you cannot foresee. No plan survives contact with the enemy.
Good Stuff! Mike Loades on Swords and Bows
Mike Loades is an expert on medieval fighting. He brings energy and, not just bookish learning, but insights from hands-on use. I loved the five-part Weapons That Made Britain television series for which he was the host and chief consultant. And so I looked to see if there was anything else he’d done. I found he’d written two books, which I am so happy to have read.
The Longbow is not just a book about the longbow. It’s about its construction and how it impacted the development of armor, and types of armor, and the wood used for the bow, and how to make arrows, and what the various points were for, and how people trained, and then cared for the bows, and how it was used in war. And, again, the insights are not just bookish ones. He’s walked the battlefields. He’s used bows for years. He’s performed tests with them. It is a 80-page book that carries a monstrous bang for the buck and one of the best purchases I’ve made for my library. I loved it.
Of course, after that experience, I had to get his Swords & Swordsmen. This book is almost 500 pages long, and I was rapt reading each page of it. Instead of focusing on one version of this weapon, Loades discusses exemplars of various types of swords through time, starting with the sword of Tutankhamun in Egypt all the way through the swords of J.E.B. Stuart and G.A. Custer in the American Civil War. There are 15 chapters all discussing different eras and swords that provide a mountain of insight. The love Loades has for and the practical experience he has with the topic shines through on every page. Just as with The Longbow, you’ll learn about use, construction, the interplay with armor, and much more. Heck, I got the ideas for at least three novels reading this book. I loved it as much as I loved the first.
If you enjoy military history and arms and armor, you will love these books. Guaranteed.
While you’re waiting for them to arrive in the mail, treat yourself to five hours of fascinating video below.
Weapons That Made Britain E01 – The Sword
Weapons That Made Britain E02 – The Longbow
Weapons That Made Britain E03 – The Lance
The Rocket Science of Overspending
In July, I blogged some spending 101 for Congress and the President, including contigency planning for alien invasions. I thought I made some good points. However, through the whole spending debate that occured this last spring nobody in the media or elsewhere was able to make clear what is going on with the US government. Nobody except Dave Ramsey. He explained it on Fox and then on his website. If you take the big federal numbers and translate them to a size we can understand, here’s the situation:
– Joe and Susie (the Federal government) make $55,000 a year
– They spend $96,000 a year
– At the same time, they have $366,000 in credit card debtLook at those numbers again. Every year those clowns in Washington are adding $41,000 a year to that massive debt total. Soon enough, our overspending will kill our ability to do anything else except pay the interest on that debt. 150 years after America abolishes slavery, we decide that debt slavery really is a good idea. Yea! Give us shackles! Give us shackles!
No wonder our credit score as a nation (our bond rating) was reduced.
So what did the government do this last Spring? They agreed to find some way to cut spending from $96,000 to $78,000. Meaning they’re still adding $28,000 dollars a year to the government’s massive credit card debt total. Which we have to pay!
If the US Government was a family, they would be making $55,000 a year, they spend $96,500 a year, & are $366,000 in credit card debt. What’s the first step to get out of debt? Stop overspending! But that means a family that is used to spending $96,500 a year has to learn how to live on $55,000. That’s a tough pill to swallow. It works the same way for the government. You can’t borrow your way out of debt, whether you’re a typical American family or the entire U.S. government. At some point, you’ve got to say, “Enough is enough!” and make the hard cuts necessary to win over the long haul. – Dave Ramsey
The answer is NOT to print more money.
If you do that, you reduce the value of each dollar. It’s called inflation. As Ron Paul rightly points out, it acts effectively as a tax. Or as I like to put it–a PAY CUT. How many of you would like to get a nice fat 10% or 20% pay cut this year? Furthermore, instead of fixing the problem, the overspending continues, which means more pay cuts in the future. More fun!
No, the thing we have to do is STOP SPENDING MORE THAN WE MAKE. Here’s what has to happen.
- We must write into law that Congress balance its budget every year–they must not be able to spend more than they take in except in rare emergencies. This means they might need to build up a rainy-day fund.
- We must cut our spending. Now. I linked to an idea Ron Paul has for this in my 101 post where we just go back to 2007 levels of spending.
- We must work to increase our revenues. Not through hiking taxes to monstrous levels, but by providing optiomal regulatory conditions for economic growth. See my 101 post.
- We need to make sure the taxes are visible, so the American people can easily see what’s going on. Congress has mandated that lenders provide clients an APR so they can clearly see the rate they will pay on a mortgage. Why shouldn’t we mandate that the IRS send out an ATR–annual tax rate (or maybe Annual Grab Rate or Annual Tax Burden or you come up with the name)–which includes all Federal taxes translated into one total rate?
- We need to give everyone the opportunity to pay for the soldiers that defend them and the roads they drive on, even if it’s just $50-100 a year for the very poor.
- We must send people to the White House and Congress who are willing to do what it takes RIGHT NOW.
I mentioned Ron Paul a number of times above. He’s not my choice for president. But he has added a number of good things to this discussion. Here are the Ramsey links:
- Fox News: Dave Ramsey simplifies the US government overspending situation
- DaveRamsey.com: “Federal Budget vs. Household Budget: How do they compare?”
EDIT: Mark Holt makes an excellent point in the comments. Inflation isn’t just a pay cut. It’s a savings cut, a retirement cut, a 401k cut, a house value cut, an everything cut. Using that backdoor method, the DC Connivers institute a tax of everything, something they’d never be able to pass out in the open.
The Drowned Cities by Paolo Bacigalupi
I just finished The Drowned Cities by Paolo Bacigalupi, and, holy cow, folks—this story rocked.It’s set in the future in the area around Washington D.C. which is the titular drowned cities. They’re drowned because the climate has gotten warmer, the seas have risen, and D.C. is half under water, permananetly flooded. It’s more like Georgia or Florida—gators, kudzu, the works. But this is not another dumb book about global warming. If it were, I wouldn’t be writing this.
No, the United States has fallen apart. Up north there’s some alliance with money and power and the ability to keep those in the Drowned Cities out. South, who knows? West? Don’t know. But right around D.C. everything has gone to hell.
It’s like Mogadishu, Somalia in the 1990’s (Blackhawk Down) with warlords fighting each other, tearing the place apart.
It’s like Sierra Leone at the end of that decade with different factions butchering locals and forcing kids to fight as soldiers.
Except instead of the U.S. or Europe or the U-freaking-N sending in peacekeepers to stabilize the situation, it’s China. And just like the U.S. in Somalia, the warlords send the Chinese peacekeepers packing. And so now it’s just chaos.
Talk about a setting for a story. But Bacigalupi doesn’t stop there. He adds in genetically modified creatures. He starts the book with one named Tool. A creature that’s got the DNA of humans, mastiffs, tigers, reptiles and who knows what else all combined to make him smarter and stronger than humans ever could be—a monster that’s the ultimate killer, the ultimate soldier, the ultimate war machine. One that was bred to submit to a master, but something went wrong with Tool. And he was able to break free of that bond.
Tool is trying to escape prison and death. But as mighty as he is, he’s weak and injured. And then two kids from a village run into him while in the jungle. He knows they’re going to reveal his whereabouts to the warlord searching for him. In his weakened state, Tool is only able to grab the small boy named Mouse.
Mahlia, the girl, promises to bring medicine if Tool will only spare the boy. He knows she’s lying.
And so starts a rich tale of the monster, the boy, and the girl: a tale that is filled with friendship, triumph, loss, heroism, cowardice, and earthy sci-fi coolness all set in the midst of a guerilla war. The beginning sucks you in. The ending leaves you breathless. Along the way you get to see into the character of all three plus some of the bad guys. In the end you get a story about sacrifice and love.
If you liked A Long Way Gone, Ishmael Beah’s memoir of his time as a child solider in Africa; if you liked The Hunger Games, and not primarily for the romance; if you like person in jeopardy fiction or war flicks where a small group has to fight for its life, I think you will love this book.
This is the second book set in the same world. The first was Ship Breaker. Tool, one of the most interesting characters I’ve come across, is in that one too. But you don’t need to read that to enjoy this. And I wouldn’t put this read off to do so. Go give The Drowned Cities a try. Three or four pages in, I suspect you’ll be completely lost in the wondrous tale.
Shadow and Bone
Last year someone recommended Shadow and Bone by Leigh Bardugo to me. I noted the recommendation and then promptly forgot it because my reading queue is two years long. But this last week my wife brought some books home from the library, and there, sitting on top, was Bardugo’s book.
I opened it. Page one listed the orders of magic. I was immediately drawn to the names. They were Grisha, “soldiers of the second army, masters of the small science.” They had divisions of corporalki, etheralki, and materialki, who are the order of fabrikators.
I don’t know what it is, but I love, not steampunk (well, I don’t know if I don’t love steampunk because I really haven’t read any, but I do think dirigibles are vastly overrated), but the mixture of machinists and engineers and magic set in the late 1800’s, the time period when Sherlock Holmes was running about. It’s something I can’t resist.
And “fabrikators”? Russian? Oh, baby.
Most epic fantasies are set in some kind of old German or English medieval setting. Nothing wrong with that. We luvs them, Precious. But something different is nice as well. Recently, Peter V. Brett and Saladin Ahmed have given us fantasies with a Middle Eastern flavor. But I haven’t read an epic fantasy with a Russian flair since C. J. Cherryh’s Rusalka series. And here on page one I’ve got magic and machinists and all these Russian sounding terms.
Awesome.
I turned the page. The opening paragraph of the prologue pulled me right in, and I was off and running, soaking up this little snippet about an orphaned boy and girl who, fast-forward in the next chapter, are now in the army. Not the second army that’s made up of Grisha, but the first army that’s made up of soldiers with rifles who have to slog through mud and march while a handful of Grisha of the second army roll by in a carriage.
Alina, the girl who is now working with the army’s cartographers, and Mal, who is a tracker, are heading with the troops toward the Unsea, the Shadow Fold, this darkness that cuts the country in two and is full of these horrors called volcra. They enter the Shadow Fold, are attacked, and Alina unconsciously calls forth a powerful magic.
Of course, she can’t reproduce it, but it’s a magic that might be used to banish the Fold forever. The rest of the book is about Alina avoiding assassination, trying to learn how to summon her magic, and being pulled into a surprising and terrible plot. It’s also about her and Mal. Yes, there’s a love story here, but this is NOT a romance where everything focuses on her feelings and his feelings and touches and sighs and unbounded quivering.
This is an epic fantasy, remember? Those books that delight readers with dark lords and magic? Well, there’s plenty of that here, plus secrets and a number of delicious plot twists. There are escapes and chases and battles. And, yes, that love story that isn’t overblown but feels very real indeed.
Epic fantasies come in lots of different sizes. This isn’t one of those huge doorstop epics with twenty sprawling plotlines. This focuses on one point of view and one storyline, which means you are able to enter the story very quickly, much like the epics by Hambly and McKinley and so many others.
It’s a terrific read. Give it a go. If you enjoyed Vin in Brandon Sanderson’s Mistborn and Cinna and Katniss in Hunger Games, then I think you’re going to love Shadow and Bone. I’m certainly looking forward to the next volume.