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Archive for December, 2008

Running on Empty: Cars that Never Need Gas

Friday, December 26th, 2008

Running on Empty: Cars that Never Need Gas

There are hybrids. There are electric cars that plug into a wall and get their juice from whatever mix the electric company is offering. And then there are electic cars that are charged by solar panels on the roof of one’s house. They never need gas, and the power is free after the set-up cost.

We wondered: How tough is it to do this? Are electric cars hard to find? Is it difficult to get a rooftop solar collector set up? Here are the stories of two guys whose vehicles run on empty.

Darrell Dickey’s story | Stephen Weitz’s story | Alex Beamer’s story

Darrell Dickey with his RAV4 EV and daughter Kyra.
Darrell Dickey: A New Car — And Fuel for Life

Darrell Dickey regularly commutes to work 24 miles, one way, by bike. But when it’s too cold or wet for the bike, or when he and his family travel long distances from their home in Davis, California, he drives a battery-powered electric vehicle that he charges with photovoltaic (PV) panels mounted on his garage roof.

“Five years ago, I spent about $45,000 and got a brand new car (the RAv4EV) and the solar system,” he says. “We’re still driving the car every day, and the solar system will continue to make fuel for whatever EV we drive in the future. For $45,000 we bought a new car and fuel for the rest or our lives.”

In 1996, Dickey was invited to test-drive the GM “Impact”, which he then leased for two years. (The Impact later became the EV1, the first modern electric vehicle.) “We loved that car and hated to give it back,” he says. But the Toyota Rav4EV had just become available for purchase, so he bought the electric vehicle he is driving today.

Dickey says the inspiration to drive electric comes from having a child. “It would embarrass me to have to explain to my daughter why we continued to import and burn oil when we knew the consequences,” he says. “Having no tune-ups and no trips to the gas station ever is just icing.”

By installing a solar system atop his garage, Dickey took the next step in driving a totally clean car. “Now,” he says, “I can deflect the comments that my ‘electric’ car is just a ‘coal-burning’ car. EVs are the ultimate flex-fuel vehicle. You can make electricity out of just about anything: sun, wind, natural gas, coal—even gasoline! Your fuel can be totally domestic, or in my case, totally local.”

Asked how long it will take for the PV system to pay for itself, Dickey replies: “If we think of everything in terms of what it costs us in the short-term, we’re screwed. It’s the same argument people use against the Prius: When will it pay back in gas savings? But that only accounts for the money paid at the pump. What of the billions of dollars that leave our economy for oil, or the billions of our tax dollars that go toward tax incentives for oil companies? What of the cost of the military and the lives lost to protect our oil?”

But the short answer for the solar pay-back, he says, was “the instant I turned my system on.” Dickey had been paying $75 a month for electricity. He took a loan out to buy the PV system, and pays $70 a month toward that loan. “My electricity and gasoline bills are now zero, and next year when my loan is paid off, this investment will be paying me probably for the rest of my life. My PV system covers the power for my home and my car. It displaces $90 worth of electricity and over $100 worth of gasoline every month. So my estimate of how long until the system pays for itself is no time at all!”

Dickey says the Rav4EV is the best car he’s ever owned. “My wife commutes in it 40 miles a day, five days a week. We drive it for our weekend outings and it does errands that are too far or too bulky for the bicycle. It has never been tuned up, and I’ve spent about $50 total on it for maintenance. My wife has not been to a gasoline station in seven years and 70,000 commute miles—not once!”

Stephen Weitz’s truck touts its own benefits.
Stephen Weitz: This Truck Runs on Sunshine

Stephen Weitz, who holds a Ph.D. in biochemistry, says four things prompted him to buy an electric truck and charge it with solar energy: 1) global warming and the National Academy of Sciences (NAS); 2) Albert Einstein; 3) nitrogen “overdose”; and 4) open habitat and species destruction.

“NAS began warning of the dangers of rising carbon dioxide levels on global temperatures due to the greenhouse effect years ago,” says Weitz, who lives in Oakland, California. “And Einstein won the Nobel Prize for describing the ‘photovoltaic effect,’ inaugurating the age of quantum physics and making photovoltaic solar panels a theoretical possibility.”

Regarding nitrogen overdose, scientists have been documenting that harmless nitrogen (air is 80 percent nitrogen) is converted into potent fertilizer by internal combustion engines. This fertilizer is then deposited on soils, harming native plant ecosystems and endangered species.

“Some call it drive-by ICE (internal combustion engine) extinction,” Weitz says. “Using ‘green fuels’ like ethanol and biodiesel would continue the problem, and hydrogen fuel cells are no solution because they cost too much, they’re less efficient than battery-powered vehicles, and hydrogen is made by stripping fossil fuels, which releases carbon dioxide and exacerbates global warming.”

Weitz wanted a source of energy for his electric vehicle that didn’t originate from combustion. “By putting solar panels on the roof of my house, I could make use of an endless energy supply to charge my electric vehicle and operate and heat the house. Your house and your vehicle are the two biggest contributors to global warming, so making both carbon neutral strikes at the heart of the problem.”

Rooftop mounting of solar panels also eliminates the need to convert undeveloped habitat into solar generation facilities. “We need to save open space for ecosystems, and we have so many empty roofs across the nation,” he says. He points out as well that terrorist attacks and earthquakes are less destructive when power generation is distributed diffusely, rather than in concentrated spots like nuclear power plants or nuclear waste disposal sites.

For his PV system, Weitz contacted NorCal Solar (www.norcalsolar.org), which lists state-approved contractors. He obtained multiple bids, arranged two site visits, and got a “significant” rebate from the state for installing the system. He has Time of Use metering, and in the summer he gets a greater dollars-per-kilowatt credit for his solar-generated electricity than he spends at night to charge his electric truck. “PG&E (the local utility) is happy because their peak power needs are highest when my solar panels are putting out the watts, and lowest at night when I’m charging. The PG&E bill for operating my house and electric vehicle is almost zero.”

There are two types of EV’s, he explains: highway capable battery electric vehicles (BEVs), and neighborhood electric vehicles (NEVs). “Buy only what you need,” he advises.” If you drive mostly around town and take long trips once a year, get an NEV and rent a car for the long trip. If you must do lots of freeway driving, buy a BEV—just realize it will cost more and use more energy.”

Weitz searched the Web for his electric vehicle, and recommends eBay, www.evnut.com, and www.eaaev.org. “I was lucky and found one of the rare vehicles in the movie “Who Killed the Electric Car” that hadn’t been crushed by the auto industry—a factory-built Chevy S10 pickup. I had it shipped from Arizona and an electrician installed a 220-volt charger in my garage.”

Millions of Americans, Weitz says, want the option to drive on cleaner, cheaper, domestic electricity. Many have banded together in the nonprofit Plug In America (www.pluginamerica.org) to demand that automakers give consumers a choice.

Alex Beamer found his 1997 electric Chevy truck on the Internet.
Alex Beamer: Electric Truck and Wind Power for Him

In 1977, Alex Beamer bought Breitenbush Hot Spring, an old hot springs resort in the mountains of rural Oregon, about an hour east of the state capital, Salem, where he now lives and manages a natural foods store.

” At Breitenbush I helped create a community that sought to live lightly on the Earth and serve others as a healing retreat and conference center,” he says. “In the early days of that adventure I worked a lot with developing alternative energy projects. I restored a 30-kilowatt small hydroelectric system, drilled wells into the geothermal aquifers, and used the hot water to heat our buildings, domestic hot water, and hot tubs.” Breitenbush Hot Springs recently celebrated its 30th anniversary as a cooperatively owned business.

So Beamer was already predisposed to living sustainably when he decided to buy an electric truck and charge it with wind energy. But the thing that inspired him to get the electric truck was a sustainability conference where he heard a talk about peak oil.

On investigating if he could buy or convert a Toyota Prius into a plug-in hybrid, he found the technology wasn’t yet ready to use. He then looked into electric vehicles and found there were no assembly-line options at the time that worked for ordinary driving. “So I searched the Internet for conventional gasoline cars that had been converted to electric, and that’s when I ran across an ad for the electric truck I ended up buying.

“It’s a 1997 production vehicle made by Chevrolet, and it was ready to go when I bought it,” he says. “They made about 1,500 of them. Most were leased vehicles that were collected at the end of the leases and crushed. A few, maybe 50 or 60, were sold privately. My truck and many like it were used for a few years, then developed some problems and were parked for years. A fellow in Mesa, Arizona who’s an electric vehicle advocate bought many of them and restored them. That’s where I bought mine: www.EVBones.com.”

When Beamer bought the truck, he was already purchasing “greensource” electricity from PG&E, his local utility. “PG&E offers all its customers several choices of environmentally friendly electricity, and we chose greensource, which is 85 percent wind and 15 percent biomass. Using wind-generated electricity makes a whole lot more sense than coal, and the cost is comparable to conventional electricity. Conventional is 9.9¢ per kilowatt hour and greensource costs 10.7¢, so greensource is .8¢ more.” PG&E’s website for clean electricity options is here.

Beamer says there’s a lot of interest in electric vehicles but very few ‘good’ ones available today, and retrofitting a conventional car is time-consuming and expensive. “Hopefully in the near future there will be more choices,” he says, “once battery technology gets where it needs to be.” Beamer says Tesla electric cars, which are now coming off the assembly line, are”“the most exciting thing happening now, but they’re very expensive.” Here’s a wide range of electric cars and conversions .

At the beginning of February Beamer turned off his home oil fired furnace and started using a ground loop heat pump system to heat the family home. “So now, since this system runs off electricity and our utility offers a clean electricity option, we run our whole household with wind powered electricity!”

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My 25 Excesses & my 25 Must Haves

Friday, December 12th, 2008

Elimination of waste, if I look close, what are the excess in my life?   What are the excessed in your life?

Also, what are the must haves?

First, looking at excesses, these are things I have eliminated because of the economy and because I can add more value to my life doing these chores. 

1. Maid

2. Nanny

3. Personal Assistant

4. Concierge (community)

5. Season Tickets (I can always buy a ticket to any game)

6. Fancy dinners

7. Extra car

8. 3rd car or 2nd car for that matter – maybe only one needed, if that?

9. 2nd house or rental (will sell when appropriate)

10. First class flights or the Marquis Jet Card

11. AMEX Platinum Card

12. 5 star hotels and hotel suites

13. Car washes ($20 a pop, come on)

14. Bottled water (billions of plastic bottles wasted)

15. Starbucks Latte’s (the Latte factor)

16. Gym membership (I have gym at Toscana)

17. Lunches (eat when hungry, time created demand)

18. Golf membership (how boring to play the same course)

19. Sailboat (bareboat when you want to sail)

20. Luxury toys (boats, jet skis, skis, 4 wheelers and airplanes – rent when appropriate)

21. 1000 channels of TV – the internet has it now, Google will soon make the internet free

22. Office or employees (I can work from anywhere with my iPhone and MBA and hire contractors)

23. Printers – do we really need to print anything, seems like such a waste

24. Home phone – my cell phone works wonders…

25. Trips to shopping mall.  

Things I must have:

1. Health 

2. Friends and Family

3. Humor

4. Education

5. Freedom

6. Parks

7. Public Transportation

8. Purpose

9. Law

10. Connectivity

11. Home

12. Clean water

13. Community

14. Simplicity

15. Love

16. Happiness

17. A bed (preferably heavenly bed)

18. A chair (preferably my ralph lauren chair)

19. A shower (preferably a heavenly shower)

20. A good pair of running/walking shoes

21. A kitchen – a refrigerator, stove, and sink.

22. A grocery or marketplace

23. A good cookbook or access to one online

24. Wine?  

25. A passport – see the world!

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IDEA #10: Talent Heap..

Thursday, December 4th, 2008

Talent Heap is the first proactive career management system.   Employers create a pipeline of potential employees and job seekers create a pipeline of employers that may be interested.    The virtual interview eliminates many of the steps in the process.   The goal is to create a system that gives both sides a head start.   Some candidates have over 100 companies interested in them.   Match-making for employers and candidates.   

Visit TalentHeap.com…  This is another site for sale.   Check it out and please give me feedback.   I am sitting on templates to create just about any kind of web business.   With this power, it is important to find Entrepreneurs to execute on good ideas with fundamental business models behind them.   Contact me to partner up on this idea or another.

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IDEA #9: Jobvites…

Thursday, December 4th, 2008

This idea is launched and for sale.   One of the many you will see here now and in future blogs.   Jobvites offer employers and candidates the ability to market themselves through video emails.   So imagine if a company could get proactive with their recruiting and with todays recruiting market, imagine candidates being about to put together a portfolio of their work in a video and share it with top employers.  So if you are an employer, you get a text resume vs. a video resume.   This may be a picture of all the work and projects someone has done to a presentation that the candidate has made.  For employers, it is like going through the first interview already.   

Visit Jobvites.com…  Let me know of other companies doing this well.   Video resumes are new and not proven.   With video coming to every corner of the web, there is a great future in video resumes, whether some employers resist or not.   Employers also resisted online recruitment 10 years ago.   Now, there are none not using it.    I would love your feedback on this one.

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IDEA #8: Smart Grid

Thursday, December 4th, 2008
Based on this post below, someone needs to come up a Smart Grid, prove the concept on a macro level.   Link energy sources together and enable intelligent transmission.  We will never get away from our need for oil, if we cannot learn to move Solar, Wind and other sources of energy efficiently, much like we have with data.   Oil is pretty easy to move around, same with coal, to use the next generation of energy sources we need to reinvent our grid to avoid transmission loss and to allow localization of energy.   The more we can create energy sources near the demand and take more communities, cities and even homes off the grid.   The more we will enable solving the future energy crisis’s.
This essay was from a Ben Jervey:
  • Posted by: Ben Jervey 
  • on October 29, 2008 at 7:38 pm

A dummy’s guide to the “smart grid”

Wind turbines and solar panels may be the sexy, new stars of a clean energy future, but they’ll be nothing but a side note unless the grid that powers them gets a much-needed makeover.

While it’s widely noted that a new, national “smart grid” is a fundamental step in the spread of clean, renewable energy projects, there’s little chatter about building the grid itself. Why? Well, as Worldchangingfounder Alex Steffen notes: infrastructure is boring. He has a point, but we better start talking.

Last month I listened to a panel of energy experts explain to the New York City Council’s Infrastructure Task Force that Gotham’s grid simply couldn’t handle a proposed new supply of electricity flowing in from rooftop solar and offshore wind. Why? Because our current grid is dumb and wildly inefficient.

A blind system of transmission lines and converters, today’s grid funnels electricity one-way—from big centralized power plants to our factories, streetlights, shops, and homes. The utilities can’t detect fluctuations in energy demand; so, to ensure there are no shortages, the power plants run at full tilt, burning greenhouse gas-emitting fossil fuels around the clock. Not to mention, there is a lot of juice lost from coal-fired plant to the socket–5 to 10 percent due to “line loss” in the transmission wires alone. It’s also dreadfully vulnerable to disruptions, whether a break in the system—like a heavy branch taking down a roadside line—or an influx of power from an unexpected source. That’s bad news anyone who wants to plug his solar panels and sell electricity back to the grid.

The Internet of electricity— Al Gore coined the term “electranet” in an op-ed for Newsweek a couple years back—a smart grid would be networks, microprocessors and digital sensing technologies, a “web” of clever, hi-tech components that will be as flexible as it is intelligent. (The Wall Street Journal recently drew up a handy interactive model of such a system.) Supercomputers will let the utilities predict and manage system-wide demand and capacity, with batteries and other storage mechanisms ensuring that there’s always enough power to handle consumers’ needs. Power from distributed carbon-free sources such as rooftop solar, wind turbines, and combined heat and power systems will feed into the grid without causing breakdowns, so customers will be able to buy electricity for their homes and businesses, as well as sell power they generate back. “Smart meters” in buildings and homes will show the real-time cost of energy and assure that those that energy contributed to the grid—whether from a suburban family with photovoltaic panels on its roof or a Great Plains rancher with a wind turbine—receive payment. These distributed energy sources will require power to travel less distance, eliminating some electricity waste or “line loss.” Finally, internal building controls will adjust power demand, and new substations will take feedback from sensors along the transmission lines to better route electricity flow.

The smart grid won’t only be able to handle plug-in hybrids (the most realistic “car of the future” candidate), it’ll benefit from them. A national fleet of hybrid batteries will help provide storage capacity that our current distribution system sorely lacks. This is a key point: Solar and wind sources produce electricity in spurts—when the sun is highest, when the wind blows hardest.  When you plug in your 2012 Volkswagen Golf Hybrid, its battery—along with all the others plugged-in around your neighborhood—will draw power when there’s plenty, and pump it out when the grid is lacking. (And don’t worry about your neighbor’s gaudy Christmas light display sucking your car dry—that’s why we’ll have smart computers.)

Can such an integrated, comprehensive system ever actually get built?  Ask the people of Boulder, Col., which Xcel Energy announced earlier this year–through this campy video—would be the nation’s first “Smart Grid City.” There’s also heavy speculation floating of late that Google is going to train its brains on the grid. Last year the Internet giant announced an ambitious initiative to make “renewable energy cheaper than coal” (RE<C), which includes investments in a number of clean energy startups and labs whose innovations will ultimately rely on a new, smarter infrastructure.

But, before Google, or anyone else, can usher us closer toward a clean energy future, this mythical, digital backbone for the energy technology revolution—the smart grid—needs to become a reality.
(Photo: Xcel Energy)

If some of you know of companies working on solutions like this, I would love to hear.   If you can add a technical dimension to the topic I would love to share with the readers.   Thanks again, as you all know green energy is the next BIG thing.   Learning about it now will help every company as sustainability is coming into focus.

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IDEA #7: Bare Lofts…

Thursday, December 4th, 2008

Using my last name only as a parody for simplicity and minimalism, two concepts close to my heart.  And the idea of a loft, means open floorplans with moving walls and so much more.   As you may have seen in a past post, I live in a simple condo and live quite a minimalist lifestyle.  Using elements of the LobLolly Home and Brad Pitt’s Make it Right No La (makeitrightnola.org), homes can become Leed Certified Homes yet low cost and giving back to the grid.  Of course, as in a past blog we must create a smart grid and will lead to local energy.

We can gut buildings, build row houses, and renovate homes with these simple solutions:

  • All windows / glass sliding walls
  • Kitchen islands with tables – built in oven, sink and fridge.
  • Simple bathrooms – shower, sink and a simple head.
  • Wood floors – easy maintenance.
  • Open high ceilings – fans, air flow and lighting.
  • Sliding doors 
  • Community Wireless network – lower cost
  • Roof Mounted Photovoltaic Solar Cells – power the grid
  • Built in shelving
  • Walk in closets
  • Wall mounted televisions…

Homes that the only thing someone needs is a couch and a bed.  Simple.  What else do we really need?   If you know of some home builders moving in this direction, please comment.

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IDEA #6: 007 Academy…

Thursday, December 4th, 2008

Everyone knows James Bond.   Quite possibly, everyone has dreamed of being James Bond at one time or another.   Well, here is your chance.  Someone needs to create a James Bond School. Learn:

  1. Aikido + Mixed Martial Arts
  2. Gun handling
  3. Survival Training
  4. Basic Training (Fitness + Nutrition)
  5. Electronic Surveillance
  6. Diplomacy
  7. Gadgets
  8. Driving School
  9. Pilots License
  10. Helicopter License

What else does Bond do?   What other traits does Bond have?  If anyone knows of programs like this, please comment and let us all know.  How fun would it be to enroll in a program like this.   If you create it, invite me pro bona.

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Junior Achievement

Thursday, December 4th, 2008

What has impacted me more than anything?   JA.   Really.   Junior Achievement broke through and hit me over the head in high school.   From there I have been fascinated with how business, governments and markets work.   They gave me the curiosity and the desire to learn.   From there, I have gobbled knowledge and know how.  Embraced mentors, teachers and anyone with a differing opinion than me…

Here is another great resource from Junior Achievement:

JA on the economy

Look for more stuff to come from Junior Achievement from me, I am volunteering in many capacities and plan to commit some time to this organization.   Our children need to learn everything JA stands for.

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IDEA #5: The Common Sense Guide

Wednesday, December 3rd, 2008

Someone needs to write this book.   Maybe I will, maybe I will help someone write it:

The common sense guide for graduates…

By Aaron Bare

Common Sense

If we were to define common sense, it would be found most places being common and it would make sense of the world around us. Yet, how uncommon is common sense. So much so, I wanted to put some common in the sense around 10 things that I wish I knew upon graduation. These 10 items will help ease the pain in a complex world.

Uncertainty

We live in time where we will have 7 different careers by 38, not jobs, yet totally different livelihoods. 25% of jobs 10 years from now will not even exist. So throughout this book, we will examine ways to not only survive, yet thrive in a world of uncertainty. With change comes opportunity. As the world tells us, change is the only constant. So embrace change and learn to be flexible, adaptable and create certainty. Luck is created not dealt. So create your lucky situation and create your future. This book will examine a few ways to do so.

Credit

Credit is very important in a consumer society like the US. Our ability to pay bills on time is what our total financial existence is built on. Credit is simple, some people have it, some people do not based on what approach they take. Understanding this can only open doors and in reality save you millions. Yet, there are many ways to earn it, build it and leverage it. Although, only 25% of people in the US have credit scores over 700. These are the people who have lots of credit, many low balances and always pay their bills on time, most likely they are users of bill pay and have some savings and/or make enough money to pay their bills. Some things to stay away from to improve your financial life are Late Payments, Bankruptcy or Foreclosure.

Spending & Saving

How we spend our money says a lot about us. Like sifting through someone’s trash does, are we wasteful, environmental or minimalist? The bottom line for government, business and your household, you must make more than you spend. If you spend more than you make, it will not take long before your financial world falls apart. Learning how to budget is a skill that will be under-appreciated, yet will keep you in the game. There is also a time value of money that the earlier you understand the richer you will be. Put $10,000 dollars in at 18 and it equals $1 million at 65 at a long term return of 10%, do the same at 30 and it is only $120,000 and so on and so on. Finally, create an emergency fund, stop living paycheck to paycheck and create at least 6 months of funds in a reserve. At least, make sure you have the credit available to survive for 6 months. As in uncertain times, things always change unexpectedly. Later I will explain dollar cost averaging, which leads to a long-term plan for investing that works regardless of the uncertainty in the financial markets around us. So stick to a plan, spend less, save more and live within your means. Freeze your credit cards if you have too.

Goals

How you spend your day is how you spend your life. So I suggest defining your habits, routines against your goals to see if they are aligned. Lately, there has been a plethora of books, documentaries to explain one simple truth about success. The more energy we put into something the more likely it is going to come true. This is not myth, witchcraft or magic, it is common sense. There is a “secret” you can laugh at. So define some goals and find ways to accomplish them by bringing them into your habits and routines, be resilient, determined and relentless. Good things do not come to good people. Good people create good things. Much like this book, I spent time to create it. Now it is a reality, New York Times Bestseller and all.

Calories

One of the major goals for a consumer driven obese culture is to get fit, its why vitamins and health clubs are a multi-billion dollar industry and often never get used. Whether you are fit now or not, the likelihood of you keeping your 6-pack, is less than 1%. So learning that there are good carbs and bad carbs is one essential step in defining a healthy life. Stay away from diets, they may shock he system, yet in the end most people gain more weight. Health is a major issue for many, as you get older it becomes a major issue for more of you. Energy is the source of everything and if we get too much resources, we start to stock pile excessive carbs in fatty deposits. This ultimately leads to heart disease, diabetes or another disease that attacks cells. We should take in less carbs than we need, otherwise it goes to the fatty patty, ba dunka dunk and the arteries of cholesterol. Nutrition and exercise are still the preferred healthcare plan, every doctor is not going to tell you to forget about either of these. So an apple a day, keeps the doctor away. So does nutrition and exercise. Get off the couch and move those buns.

Education

The more you have, the more you make. High School graduates make over $1 million less than college graduates. Those with Graduate degrees make more than just College Graduates. Professional Degrees make even more. So find a passion, go to school and keep learning. It never stops. We live in a changing world so expect to return to the classroom throughout your life, whether online or at the University.

Rent vs. Buy

If you can rent cheaper than why buy. Prior to the housing crisis, it made no sense to buy a house. Buy high, sell low is the strategy of the day for late home buyers. The smart play is always to buy low and sell high. So , look at rents and the only reason to buy is if you want to own a home for a duration of 7 years or longer. Flippers can flip this. Much like investing in the stock market, economic cycles happen and we need to be associated with the appropriate risk for your comfort. We need to buy assets for the appropriate time frames. Buying a home can be rewarding, fulfilling and defines the American Dream to a certain degree. Same with investing in Real Estate, yet if you can buy a home and rent it out for positive cash flow than you have a good deal. If not, questions the value there and whether in the long term you want to be attached to that house. As many our now realizing, what you own, owns you.

Entrepreneurship?

60% of Millennial’s consider themselves serial entrepreneurs. This was a surprising poll for me, yet the uncertainty of their futures demands this thinking. Sometimes things appear opposite to what they are, safety is actually risky and risk is actually safe. Yes, that’s right, the world has flipped upside down, inside out. Whether the world is flat, melting or rotating, the world has fundamentally changed. Corporate America in a lot of ways has more risk than Entrepreneurship. At least in Entrepreneurship, the outcome is on your results and not the companies. The ease of entry to many businesses created opportunities for this generation that is unprecedented. We live in a free agent nation and your ability to market yourself as a company or individual makes you an entrepreneur, whether you have a job, work for a company or rolling the dice with a startup.

Dollar Cost Averaging

Dollar Cost Averaging is the consistent method of putting money into a market, or mutual fund. So if you have an IRA, 401k or another investment plan, self-directed or not, Dollar Cost Averaging is the way to insure you buy at the lows and get the most gains for your money in the long run. Dollar cost averaging is buying shares every week or period at whatever price they are. This strategy is great for the long term, as you buy at the lows and highs, as you come to retirement moving money out of the market into investments that have the proper duration. Much like a time frame to own a home, stocks need to have the appropriate duration. Volatility while dollar cost averaging helps as long as you are not within 5 years of retirement or when you want to use the money. Dollar cost averaging creates more results with volatility as it is even better than the market going straight up.

Go greengo!

The environment is changing and always will be, whether you think that you can make a difference or not, your efforts matter. Our reliance on oil makes us vulnerable and is to partially blame for the financial crisis, economics, national security and climate change. Reduce. Recycle. Reuse. Renovate. There are many forms of acting green, and the smallest of efforts move us towards a sustainable world. So engage in the green initiatives, lead us, and make a difference. As out world becomes more and more global, it also becomes more and more local. So make a difference.

Retire?

Considering that healthcare could improve our lifespan by 100 or more years, retirement is not something you should shoot for. Social Security will not be there as we age. Healthcare in general is in a fragile state. So our traditional thoughts of retirement are changing. Even if you have not talked about it, Baby Boomers are already altering their retirement plans because of a lack of credit, savings and excessive spending. So tomorrow will always create another day. With a focus on today and the life we live, we may realize that our perception of tomorrow is only uncertain, so we should do what we want to accomplish today. Throughout life, we will have many opportunities to have mini-retirements, planned or unplanned time periods that we need savings to get through.

Simplify

As much as life is about chasing dreams, make sure you live each day to the fullest. Laugh. Smile. Share. Engage with people. We are all in a rat race, some with a lot less pressure, some with everything at stake everyday. How we handle ourselves, is how we define our character. Some us will have relentless schedules. Others will have huge debts. Some will enjoy nature and others will be trapped behind the desk. Find your happiness. Find your medium. Enjoy the moments.

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IDEA #4: Apps for Microsoft Surface

Wednesday, December 3rd, 2008

picture-1

Microsoft Surface Website

Microsoft has come out with a visual platform that will change many things around us.  I like to think about new technology and project what it could be used for.   

So look at CNN over the elections using holograms, Surface like tables and technology like no one before.   The future gets simpler using more complex technology.   

I think some good apps will be –> menu’s, customer service, self check out, family entertainment, dining, corporate directories, tourist information, virtual real estate tours, time-share sales, kiosk and if you continue to think about new technologies this way you may come up with something unique.  Knowingly that almost every idea has been thought of before, just not executed on…

I would love to hear some more ideas for this technology…

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