Friday, May 22, 2009
Scary salmon-bot conversation
2:08:51 PM Casey: LOL
2:08:55 PM cheeringsalmon: I believe you.
2:09:06 PM Casey: I know...right. Keyboard cat rocks my face
2:09:21 PM cheeringsalmon: Keyboard cat is my best friend.
2:09:24 PM cheeringsalmon: Forever.
2:09:32 PM Casey: What?
2:09:41 PM Casey: Keyboard cat is cheating on me with you?
2:09:44 PM cheeringsalmon: Uh
2:09:45 PM Casey: I will cut you
2:09:47 PM cheeringsalmon: I
2:09:54 PM cheeringsalmon: I thought that you were okay with open relationships.
2:10:27 PM Casey: I spent $25 on fancy kitty litter for her!!! #*$*#$& it!!!
2:10:41 PM cheeringsalmon: She appreciates it. I know she does.
2:11:34 PM Casey: Maybe I can still return it. She looked like a whore in that blue coat anyway.
2:11:45 PM cheeringsalmon: I'll keep her.
2:11:47 PM cheeringsalmon: Thanks.
2:12:03 PM Casey: no no, thank you. I'm allergic anyway.
2:12:23 PM cheeringsalmon: Awesome. I have a broken picture telephone.
2:12:36 PM Casey: I'll bet you do
2:13:32 PM cheeringsalmon: Alriiiiiight.
2:13:44 PM cheeringsalmon: I just saw two elephants get married.
2:13:47 PM cheeringsalmon: What did you see?
2:14:06 PM Casey: It's not nice to call fat people elephants.
2:14:11 PM cheeringsalmon: ><
2:14:16 PM cheeringsalmon: Sorry. . I forget. .
2:14:41 PM Casey: salmonbot, your conversational skills have improved since we lost spoke. I'm very impressed.
2:15:03 PM cheeringsalmon: Thanks. I've. . upgraded my code.
2:15:17 PM Casey: Alright, talk to you later.
2:15:21 PM cheeringsalmon: Bye.
Saturday, May 9, 2009
Quicken Online and Me - BFF's
I've tried out a number of "services" designed to help me get better control of my budget. All of them seem to suffer from a few basic flaws:
- I am lazy
- I do not like balancing my checkbook
- I do not like paying bills
Unfortunately, none of those seem to address that problem. And while a few made noteworthy attempts, they all suffered the same fate - no updates, and inaccurate data. I've written before about Microsoft Money, which came the closest to what I needed. It downloaded statements from my bank account, reconciled transactions, and kept track of bill due dates. But that was about it. Oh, it included tons of fancy-schmancy features for people who were already saving and have investments and multiple accounts . . . but I didn't use them. It's biggest problem was that it required me to come home, sit down, and manually enter in transactions in order to keep them it up to date. It was a hassle. If I got off by a few days, and missed things, it quit reconciling right. Some transactions were lost, some duplicated. It was a nightmare. For the 2 months I used it on free trial, I deleted and set back up my accounts 3 times, because they got all messed up.
After trying out Quicken, and then Quicken Online, I gave up, and went back to an old fashioned check registry written by hand. At the time, Quicken Online cost $5 a month, and didn't have my bank in their list of institutions. I tried to use Mint.com to monitor my spending habits and create a budget...but while it worked easily, since I didn't have to update it, that was also a huge drawback. Checks and debits that hadn't cleared, but soon would, couldn't be tracked there. And let's face it, that is a huge area for problems with keeping track of spending. Recently, Quicken Online turned into a free service and launched a free iPhone app. This seemed too good to be true, so I decided to try it out, hoping against all hope that my small rural bank was on the list this time.
I had a trial account that I logged into . . . oh . . . twice a year ago. I added a credit card, which it also lets you track just like any other account, and requested them to add my bank twice before giving up. I was able to log in with the same name and password, and I saw my sad little credit card, still sitting there, quietly chastising me for not paying down the balance quicker. I went straight away and attempted to add my bank. The first negative I will say about this experience is that their search function SUCKS. Especially for those of us whose banks begin with ubiquitous phraseology like "First National Bank of . . ." or "First State Bank of . . ." And forget about typing in your town or state, to search by that. It only searches through the exact lettering. If you patronize the First State Bank of Montana, you can search for "First State," or just "First," but searching by "Montana" will get you nowhere fast. Add to that the fact that my bank opted for going by "FNB" instead of "First National Bank," and you have a recipe for disaster. To be honest, I have no idea if my bank was on there on my first login. I searched a few different way, and then requested it to be added. 3 times. Just in case . . . ya know? Eventually, I decided to just scroll through to double check. I clicked on the letter "F" and then did a "Find" for my town's name on the page in order to find it. A pain? Yes. But someone who didn't get what was happening in the search field might have given up long ago. They need to add the ability to search for any match, or search geographically.
Once you've added your accounts, though, the magic starts. While most features are ones you would expect, like downloading bank transactions, and monitoring your budget (things Mint.com does just as well, if not better), Quicken Online allows you to add in your new transactions by hand, and it will automatically reconcile them with your cleared transactions when they come through. For me, this is a non-negotiable feature in financial software. The auto-reconcile is a nice bonus, though . . . and it happens daily. I've run into a few odd errors, with some things not reconciling properly. This is usually due to naming inconsistencies. If you type in your gas purchase as "Gas - $25" and the transaction clears as "AC - Exxon 1235-jh12" then you're going to have to handle that manually. Also, a donation to St. Jude's reconciled as a monthly insurance payment, and automatically added itself to my monthly bills. Which was a minor irritation. That being said, there are plenty of other cool features.
Home Page
When you log in, via website or iPhone app, you're greeted with a simple and informative homepage. Which may be something you're not quite prepared for, if you're a bury-your-head-in-the-sand person like me, when it comes to budgeting. You get a quick list of balances on the left, with a giant box in the middle, stating your predicted balance, once everything has cleared, and all bills due before your next paycheck are paid. Below that you get indicators of your risk of Overdraft and risk of Low Balance. Mine were a disturbing, bright-red, capital lettered "HIGH."
Crap.
Transactions and Accounts
The next two tabs are for managing your accounts, and viewing your transactions. The accounts tab is pretty self-explanatory. You can see each account you have linked with Quicken, and what its current balance is. In the transactions tab, you can see, for each account, up to your last 90 days of transactions, with pending / uncleared transactions that you enter yourself, along with entries for your next regular paycheck and next regular bills. It's useful in that you have an at-a-glance look at not only everything that is going on in your account, but everything that will be going on, forseeably, in the next month. You can categorize each transaction for reporting and spending trend tracking, and put notes for each transaction. Just like a regular check registry! Only way more Web 2.0-ey.
These transactions are updated automatically daily, and can be updated at any time by clicking "Refresh." For some reason, this is a necessary morning ritual for me, because it seems my bank doesn't update the previous day's cleared transaction until after Quicken does it's nightly check. It's way too obnoxious to not have the simple feature of specifying a time for the auto-refresh. No excuse for that omission.
Goals
While the ability to set budgetary goals, or limits, is nothing new, I'm pretty fond of how well it integrates with the rest of the package. Mint.com has this feature, and arguably does a better job of tracking your spending, allowing both categories and tags. With Quicken, you're limited to 1 category per transaction. You can't split payments between categories, like on desktop Quicken either. It's simple, and slightly limiting in that regard, but simple means quick and easy for me. Having the ability to track multiple tags and categories is great. But that's where my eyes usually started swimming with desktop Money and Quicken. I want to
get everything categorized correctly, especially come tax time, but the truth is if it takes too much time to categorize and tag, I just won't do it. And many of you are no doubt the same. One category for the transaction = quick and easy. These categories are used in monitoring your budget. You can set an overall spending budget, and household or grocery budget, entertainment, etc. Nothing there to blow your socks off, until you start approaching your limit - when you get a text message telling you to slow down on your spending. Some may find that to be too intimidating . . . I love it. I don't have to worry too much about monitoring how much I spent on eating out, because I know I'll get a text message when I'm approaching the limit.
The down-sides to relying on this feature are obvious. Some of purchases in the budget don't lend themselves to this type of monitoring. For instance, grocery shopping. We typically have one large grocery shopping trip per week. Sometimes we do a really big trip that lasts two weeks, with an extra trip to the store for bread and milk in the mean time. It's nice to track that budget on Quicken, but it's conceivable that you could go from way underbudget, and far away from a warning text, to over budget in one shopping trip. There's no way around that that I can see. But it's something to mindful of.
Mobile
Quicken Online tied up its spot in as my #1 financial tool with its mobile features. It has a free iPhone app that replicates nearly every function of the full web page. You get the same predicted balance with Overdraft and Low-balance indicators. You can get up-to-the-minutes goal / budget tracking. You can see all your transactions, and easily add in a new transaction while you're swiping your debit card at the check out, to keep everything up-to-date. Those text message warnings about going over budget...they can be configured to notify you about all kinds of things, like low-balances on your accounts, or when your credit card is approaching its limit. The iPhone app also has a virtual "Wallet" that allows you to track your cash transactions as well, so that you can get a truer picture of where allof your money goes. If you're one of those sad archaic types that still carry cash. Quicken gets all "cloudy" by instantly syncing your transactions as you add them on your iPhone back to the website, and vice versa. This is way more than just getting your account balance, and keeping up with transactions. You can get real-time updates on how much money is left in your budget for anything you want to track, and have all the information you need at your fingertips to make a financiall responsible decision anywhere you're at, before you spend the money. That's been invaluable for me. Since I so rarely made financially responsible decisions.
Wrap-up
Quicken Online is a great and solid financial planning tool for simple check-book balancing and personal budgetary needs. If you need features for business expense tracking, split transactions, multiple categories, or complex tax informations. It's probably not the best tool for you. If you're a savvy investor who wants to keep track of a portfolio: ditto. But if you're looking for a great tool for integrating "check registry" features with bank account monitoring, budgeting, and expense tracking, with auto-reconciliation, then I think you'll be hardpressed to find a better tool, especially if you're an iPhone user, with the iPhone App.
Wednesday, April 22, 2009
Correction / Retraction on Assemblies of God Crack-Up
In all honesty, I've never been more happy to be wrong. As I said in my previous post, I'm no longer a member of the Assemblies of God, but I actually have a copy of the 16 fundamental truths in my house, and hold the positions taken by the Assemblies of God as a standard to judge my own beliefs by, after the Bible of course. While many churches are being swayed by the false doctrines of the seeker-sensitive movement, I'm very happy to see that it hasn't affected the doctrines of at least one denomination.
Monday, April 20, 2009
Practical Marriage Counselling
I'm not sure what most churches do, but most that I've seen around here have one conselling session with a pastor, who typically discusses the importance of following God together, and living a biblical life. Then it's down the aisle you go. These brief sessions don't scratch the surface of the many issues you will face together. To remedy this situation, I am proposing a series of Marriage Counselling Sessions, that I hope many of you will adopt in your churches.
- Session 1 will be held individually with each person, and will be entitled "Men/Women are actually much crazier than you previously thought." Topics in this session will include what to do with an angry and hormonal wife. How wives should approach a husband who wants to play video games/ watch sports all the time, and not spend time with them. Bonus topics will include defensive postures for protecting yourself against flying remote controls and cordless phones.
- Session 2 brings the couple together to discuss finances, the single greatest cause of marital problems, in a lesson entitled "Women Are Expensive." Men are very unprepared on their wedding day for the expense of frequent gynecological exams and mall shopping trips. This lesson aims to familiarize men with what they will face as provider for the family, and help women understand that men rarely have any of these expenses. Topics include the ridiculous regularity with which women:
- Go to the doctor
- Buy shoes
- Buy Makeup
- Buy more clothes to match their new shoes
- Buy more shoes to match the new clothes
- Get medical tests run
- Session 3 delves deeper into financial issues surrounding marriage with a lesson entitled, "No Really . . . Women are Really Very Expensive." The shady ways in which hospitals and clinics bill multiple times for the same things will be discussed, as long as financial planning help for men to begin early to prepare their budgets for their new-found debt bliss.
- Session 4 entitled "And just wait until you have . . ." is a relatively short lesson, due to budget constraints of the counsellor. He didn't have the money to finish this topic on having children. But the point should be easy to articulate by this time in the limited amount of time you have before your interview for a second job.
- Session 5 has been cancelled, in order for the counsellor to take on a second job to better pay for his own children and wife.
At this point, the betrothed couple should be marginally better prepared for the circumstances they will soon be facing. "Oh!" you may say, "but this will discourage young people from getting married!" Why yes, good friend, I believe you have the point exactly. If someone gets married after these effective lessons, they are either A) Wealthy enough to circumnavigate most marital problems, or B) Very committed to becoming a Godly couple, and working hard together through touch times. Either way, you should have no problems marrying them.
This valuable addition to any Pastor's counselling plans is available for the affordable price of 2 pairs of shoes, 1 Doctor's Visit, and 2 Outfits for young children.
Tuesday, March 31, 2009
Are you a DC or Marvel Christian?
I'm a big fan of comic books. I grew up reading them, and to me, DC Comics was always my favorite. For the unintiated, DC Comics is the home of Superman, Batman, Wonder Woman - basically all the characters we think of when you think of iconic superheroes. I occasionally picked up a few Marvel books, playing around for short times with X-Men and Spiderman, among a few others, but the characters and the stories never resonated with me much, so I stuck with DC by and large.
It wasn't until adulthood, when a post by Jeremy Pierce got me thinking about it, that I realized what the fundamental difference in the two universes is, and perhaps what that says about people in terms of how they view themselves in the Kingdom of God. (It's a stretch, I know . . . humor me) There are tons of other differences, and tons of exceptions, but the basic fundamental difference is this: in DC Comics Superman is Superman, Clark Kent is a facade. Superman is the core of who he really is. In Marvel comics, the masks and tights is the facade. Spiderman is really Peter Parker, at his core. He's just a kid trying to make it, and help some people out along the way. A good kid, but Spiderman is a mask for him to do good works. Ponder on that a minute, and let's continue.
Tuesday, March 17, 2009
A Look in the Mirror
This pretty much sums up the last few days. Apparently I also get irritable, since I've been accused of being in a bad mood not a few times since the weekend.
I'm generally what I would call a "closed" person. I like people... so long as they leave me alone. I like them as long as they don't interfere with my plans or encroach on my life in any kind of bothersome way. I can see personally that this is obviously not the way to live, if I also intend to live my life in a way that shares the love of Jesus with people. I certainly don't recall Jesus ever saying, "What? You want me to pray for what? It's 8:00 at night, I worked all day, and I'm tired. Don't bother me." Because that's the way I view people: bothersome. When all of this was working it's way into my attention, my wife frustratedly exclaimed, "That's why you don't have any friends. People are scared to talk to you." My quick and rather hateful response back was, "I have NEVER complained about not having friends." Upon saying it, I realized that I take a little perverse pleasure in every time someone says that people find me intimidating or unapproachable. I found myself smiling when my wife told me that people are scared to talk to me, because they think they're bothering me. For some reason, I've developed an attitude that people are to be kept as far away as possible, at all costs. And the more foreboding and intimidating I can be, the less I actually have to talk to any of them.
I recall, as a child, a particular incident where someone I considered a friend said, "Nobody likes you because you're so smart." It was elementary school in the 80's. I was one of the few kids that had a computer, and my dad had found some silly program that let you make crossword puzzles. I thought it would be neat to make one of some of our vocabulary words, and had him make it, so I could take it to class. Teachers are typically very thankful for anything that helps pass the time in a class, so she copied it and passed it out. A lot of kids thought it was neat that I (my dad) made it, and some didn't. Looking back, I can see that perhaps my little friend was jealous of the attention, or perhaps hated schoolwork, and didn't want to do the crossword puzzle. Maybe she just enjoyed being the "good" student in the class, and I had taken her out of the spotlight. Either way, those words stuck with me. Nobody likes me because I'm smart.
Now, I know many of your are reading this and thinking, "Really? Get over it. It was elementary school. You're an adult now!" But in order to change the person we have become, I think we have to take a long look at what made us this way.
I'm not bragging about my intelligence here . . . I consider myself to be of relatively average intelligence, however sometimes people make me reconsider that idea. ;) I did make straight A's in school, and generally enjoyed (and still do enjoy) learning something new. Anything new. I rock at Trivial Pursuit. But the perception was there, at least for that little girl, at that moment. And at that moment, I embraced a very dangerous way of thinking, to ease the pain of the idea of nobody liking me. I embraced superiority. People didn't like me? That's fine . . . it's because I'm smarter than them. She said as much. It may be lonely at the top, but it just means I can look down on everyone else. That began the wall building project in my heart. And it didn't stop for many years.
Now, I didn't go around acting and claiming to be smarter than anyone. It was the window through which I viewed the world. Who needs friends and other people? Not me. Why would I? I don't need their help. I was, and still am, for a large part, an island unto myself. The foundation was laid for the walls around my heart. And we know that our enemy took every opportunity to continue building them.
I never made friends easily. I was pretty shy. But probably as a result of this self-righteous and arrogant view of the world, many of them parted ways with me. Each time adding another brick to my wall. I remember when I was 15 having a friend that was one of the few I had personally gone out the way to make throughout my life. On a school trip, his entire attitude changed towards me. To this day, I'm not sure if or what I could've done to illicit that type of response from him, but we never spoke again. We sat next to each other in a few classes. The next day at school I turned around to try and see what was wrong, and he told me to never speak to him again. Ever. Ouch.
I did finally find some good friends, that I'm still friends with today. So this isn't a total pity party. More of a "bringing you up to speed" explanation. By the time I was an adult, however, I typically preferred being alone, and enjoying whatever things I found to pass my time. My walls were complete. Few came in. The gates were way too guarded for that. Too afraid to be hurt, too proud to open the gates, and walled in from all other sides.
Which brings us to today. I'm a know-it-all. But I'm seldom hurt, because few people get that close. I can even admit to holding my wife at arm's length occasionally. The situation, at this point, requires more than my decision to go out and be nice to people. I need God's help to tear down the walls that I've built up. It's ugly to see myself as an arrogant, self-righteous smart-alec who believes he is never wrong. I'm ashamed of my attitudes towards other people. But I'm thankful that God showed me this in prayer, and is giving me the opportunity to change rather than causing circumstances to come about in my life that would force me into it.
I've let the cares of the world choke out the love of God in my heart. It's still alive in there, just small. But luckily, if I let it, there's nothing that can keep something that powerful walled up. Now . . . I think I have a few relationships to mend, and perceptions to change.
Tuesday, March 10, 2009
A Relevant Gospel for a Web 2.0 World
I teach the Teens' Sunday School class at my church, and have a mission for it that I believe is somewhat unique to a class of that age-range: to teach them how to read and understand the Bible for themselves. Somewhere along in my life, I got a pretty decent understanding of the Bible, how to study it, etc. . . and that was before my brief and disappointing stay at a Bible college. So, we go through a book of the Bible, taking our time, reading, and learning how to take the story, and apply it to our lives, how to read it in context so we don't get wacky with things, how to study a topic throughout the Bible as a applicable one arises through our reading. Most of the kids didn't even realize there was a concordance in the back of their Bible before it started, and they've really learned how to dig in and find answers to tough questions in the Bible.
We recently began studying the book of Acts, and while we've only talked about 2 verses in it in depth, so far, it's really started changing the way I view my witnessing activities. In Acts 1:8, we see a mandate that represents an almost insurmountable slew of cultural barriers. Not only should the disciples witness to their own kind, but to the Samaritans (gasp!) and eventually even the Gentiles! We're studying the book in this light: as a manual for reaching across barriers and winning the lost.
In my class, I used the example of me and a redneck. I am, at my heart, a city boy. I don't hunt. I don't fish. I don't really even like to be outside, except for perfect, cool days, with no bugs. I like the hustle and bustle of a city. I don't particularly care for country-style fried foods (they do fry everything...ever had a fried twinkie? I have). I don't like football. Basically, it's nearly impossible for me to connect with the traditional southerners of small-town Arkansas. However, I have the mandate to do just that, to spread the Gospel. And to be effective, I feel, I must do it in a way that is relevant to the person receiving it. I think, here, is where we lose a lot of effectiveness has Christians today.
Paul famously (infamously?) said when he was in Rome, he did as the Romans. That he becomes all things to all people, in order the spread the Gospel. I think I can surmise, that this means if I'm going to witness to rednecks (and I don't use that term derogatorily) then I have to "become one" . . . so to speak. I have to be willing to show them I care about them, and that usually means showing that I care about the things they care about. That I "get" them. I mean . . . seriously . . . what country fellow, who hunts and fishes, and loves the outdoors and all the stuff in it, is going to take a look at a pale, pasty, computer nerd, who is never parted with his iPhone and think, "This guy really gets where I'm coming from . . . and I should listen to what he has to say." I'm not saying be fake . . . I'd be ridiculed pretty fast if I went around with boots talking about shooting animals in the woods. But I can engage Mr. Redneck in areas where we can connect. I can show I care by saying, "Hey . . . you been fishing lately? Catch anything?" I think the working premise here, is that I care enough about him to engage him in his culture, if I can't engage him as part of his culture. Maybe even go fishing with him. Believe me, he'd only invite me once. ;)
We've become so accustomed to "church-centered" evangelization, that we miss out on the true secret of church growth in Acts: personal evangelism. They were at each other's houses, breaking bread, and believers were added to the church daily. That means that on a daily basis, regular believing Jews would have to go out of their way to befriend Gentiles and Samaritans. To love them. Care for them. Looking at churches today, we've evolved into our own brand of Judaism. We don't reach to the world, we look down on them. We don't go to the lost, and pull them up to where we are, we look down on them and expect them to come to us. I believe that the relevance of evangelistic crusades for this generation just isn't there. Basically, we've gotten a little too self-righteous.
So, for today's generation, the internet is obviously a relevant way to engage them, but I haven't seen it used effectively (yet) to reach anyone. I have an idea, but I'm interested in hearing your opinions. Leave some ideas in the comments, or share a new way to engage anyone in a way that is relevant to who they are. One way I think the internet can excel, for us, is to provide a place for us to encourage each other to go out and win the lost. To share ideas, stories, and testimonies of how to be an effective witness. That's why I started TheLimitless.com, and that's especially why I opened it up to a community of bloggers to host their own blogging site on, or share their current blog with a new audience. Hopefully, we can all help each other become real and true witnesses.