Funding Campaigns

Well, the time has come. While I have tried to avoid this for as long as possible, the time that it takes to maintain this blog and the resources that it requires (and the simple fact that I am running out of free ideas) that I start a fundraising campaign. I have also been asked about donating on a few occasions so this also provides the means for me to now accept those generous offers. Actually, because of the projects that I am working on, I am actually starting two fundraising campaigns through Patreon and Kickstarter respectively.

The Patreon campaign is ongoing and is designed to help with the recurring costs of maintaining this blog and raising the funds to take the blog to the next level. To this point, I have funded all research, travel, equipment, review products, and other expenses to maintain the daily stream of content. Obviously, this has come on a pretty tight budget and has hindered the growth of the blog which currently receives over 2,000 views per month. Patreon allows readers to donate monthly to the blog to support these efforts. Additional details about the campaign as well as incentives and ways the funds will be used can be found at https://www.patreon.com/SeanMT4D.

Understandably, not everyone is able to contribute on a monthly basis and many readers have specifically asked me about one topic in particular… genealogy. With those suggestions in mind I have started a Kickstarter campaign to raise $20,000 to really dig deep into my family tree. I admit that it is a lofty goal but it is also one that would allow me to expedite the process. The project is titled “Pruning The Family Tree: Questioning Facts and Fiction” and will result in a book most likely with the same title. Overall, the purpose of this project is not only to find those elusive answers but also to give shape and character to the lives of my ancestors and tell their stories, as eventful or uneventful as they may be, to the world. Additional details about this campaign, how the funds will be used (there is some overlap with the Patreon campaign), as well as the incentives for these onetime donations can be found at https://www.kickstarter.com/projects/1751333165/pruning-the-family-tree-questioning-facts-and-fict.

If you have the means to contribute I would greatly appreciate your support with one or both of these campaigns. If your finances do not allow for such an expense I completely understand. I never have and never will maintain this blog solely for profit and to change that now would be disingenuous. I appreciate all the support that I received in maintaining this blog and I will continue to provide you with the free content that you have come to expect. Thank you all for your support.

Back To Zero!

The last time we have been able to experience a moment like we did today was right before our flight to Israel in the summer of 2011 (we were in debt once again before we even boarded the flight back to the states). After a couple of years of budgeting and chipping away at the payments, we got on that plane without the burden of debt. Today, while we still have other debts, we finally cleared the balance on our credit cards. Over four years later, after numerous struggles and setbacks, we have finally brought all those totals down to zero.

I must say this is a damn good feeling knowing that we don’t have to make those payments anymore. Well, at least not to pay down previous balances. We actually have a plan in place to keep these cards active having assigned specific charges, to maximize points, on each card. Order something on Amazon, use one card. Buy gas or groceries, use a different one. Go out to dinner, this third one will work. At the end of the month, we settle all the tabs. Heck, we are spending the same money but we are now getting points for the purchases we are already making.

Of course, as I stated before, we are not completely debt free. There are still a few other commitments that we need to take care of and, at the same time, we are looking to move by the end of the year so that means there is at least thirty years before we have to stop making payments on our debt. So, in reality, this is only one portion of our debt that had gone to zero unlike that short time in 2011 when, for a few months, we had absolutely no debt.

But, for now, we are just going to enjoy the feeling of those high interest pieces of plastic having been paid off. There is something uniquely satisfying about zero. I am also less stressed knowing that if something were to happen and we needed funds immediately, we have the credit to take care of most situations. Not the big stuff (the limits are still pretty low) but the moderate issues that everyone faces in life (i.e. something breaks, gets lost, needs to be replaced, etc.). And it is going to be that much more satisfying being able to focus on taking care of other debts rather than focusing on those high interest cards. It still isn’t going to be quick or easy but we can really start making some progress now!

Hooray For Common Core!

I have been an opponent of Common Core ever since the program was launched. Not only does it force schools to adopt an entirely new curriculum, it is a heavily liberal biased measure that forces many school districts to spend money that they simply don’t have. Simply put it is a program that is detrimental on an educational and financial level. That was my initial reaction and that has only been reinforced as more and more examples have some to the surface from the curriculum.

I was scanning through a pro-Israel Facebook page this past week and noticed an article mentioning Common Core. While the media source is questionable in their own bias, it was interesting to read the excerpts found in the textbooks. Those questions included:

“Was George Washington any different from Palestinian terrorists trying to protect their country?”

“Was Jefferson a hypocrite? Did he really think of a slave as a sub-human while writing the Declaration of Independence?”

The liberal assumptions that are applied to the history of our Nation is clear in the thoughts that they wish to plant in the minds of students. However, this was not the most blatant example that has been found as the following, much longer, musing can also be found in the fraudulent pages:

“What then were the causes of the American Revolution? It used to be argued that the Revolution was caused by the tyranny of the British government in the years following the Seven Years War. This view is no longer acceptable. Historians now recognize that the British colonies were the freest in the world…”

“The French menace was removed after 1763 and the colonies no longer felt dependent on England’s aid. This did not mean that they wished for independence. The great majority of the colonists were loyal, even after the Stamp Act. They were proud of the Empire and its liberties…In the years following the Stamp Act a small minority of radicals began to work for independence. They watched for every opportunity of making a crisis and in Boston it was this group who staged the Boston Tea Party… In the Thirteen Colonies the Revolution had really been a civil war in which the whole population was torn with conflicting loyalties. John Adams later said that in 1776 probably not more than one-third of the people favored war.”

The debate over Common Core has been going on for a few years now with one example coming to mind which I remember reading about in 2012 when parents of students at a Tennessee high school protested the anti-Israel content of one of the advanced placement textbooks. The example that was given during that time from the textbook “The Cultural Landscape: An Introduction to Human Geography” was the following question: “If a Palestinian suicide bomber kills several dozen Israeli teenagers in a Jerusalem restaurant, is that an act of terrorism or wartime retaliation against Israeli government policies and army actions?”

In the end, if you are wondering why the educational system is failing both in quality and fiscally, it is because of the limitations placed on districts and students stemming from Common Core. Things change as we get older and time passes but, as this example demonstrates, it doesn’t mean that things are changing for the better. Maybe we should go back to teaching the facts rather than accusations and encourage self-reliance, continued study, and pride in our history and heritage. Furthermore, let’s focus on teaching common sense rather than common core!

Last Chance To Find An Apartment

Throughout the week my wife and I kept scanning the maps on Trulia and Zillow with the hope that a new listing would pop up. While there were plenty of listings that came to market during the week, there was nothing that fit the criteria that we were looking for, most importantly, the price. With nothing to show for our efforts and our MIL Realtor not having any better luck, we did not make it out this weekend to tour some other spaces.

In an owner’s market, this just hasn’t been a good time to try and find an apartment within the budget that we set for ourselves. I guess we will be staying where we are for now with the hope that we can build up our bank account enough to get a nice starter home around this time next year. The other part of this year long project will be to improve our credit. It’s not that we have bad credit, it is rather good in fact, but there is always room for improvement and it would make things a bit easier when the time comes in trying to secure financing. The basic game plan is simple… build up our bank account, pay down debts, and continue being successful in our jobs (i.e. promotions/raises). How we achieve all this is also simple… work hard and work smart.

So, when the day comes, what will we be looking for in a starter home? The list is a little longer than a rental but, in an ideal situation, here is what the check list would look like:

1. 3+ bedrooms
2. 2+ baths
3. 2+ acres
4. Office
5. Basement (finished or unfinished)
6. Good schools
7. Montgomeryville/North Wales/Lansdale area (there is a little flexibility there for the right place)
8. Reasonable commute time to work (under 60 minutes for me, under 45 minutes for my wife)
9. Garage
10. Not on a main road  

I know what you’re saying… that is why it is called a wish list not a list of requirements. Some of the things are reasonable, some may be fantasy when considering that we will not have much to put into the home but it is a start and it is nice to have a goal.

The most important thing that we need to do now is to make do with what we have and the space in which we currently live. The basic translation of that statement means that we have to clean and organize both of which we have been putting off for way too long. We have a good spot at the moment, not ideal but it is a good apartment at a good rate. And while we may complain at times about various things relating to the building, location, people, and variety of other aspects we have a plan of action and we are better off than most. We have gone through a lot in recent years and we can make it through some more knowing what awaits us just on the other side of the hill.

So, until next year, the hunt is over.

Queries With A Side Of Questions

Throughout the day, questions lined up one after another. It all began early in the morning when my wife and I came across a few questions that we will have to consider throughout the week before even approaching an answer. Nothing that hasn’t been discussed before but it was a time that we just need to make an assessment and rethink some of the resent events (mostly revolving around apartment hunting but also how we need to adjust how we are spending our time). A theme that began at home would carry throughout my day.

Why do I have to go to New Jersey?

I have been able to avoid venturing into New Jersey for nearly two years. So, why did I venture across the river? It was to ask questions. We had drafted a number of probing questions for a client last week and today we were finally able to drive over and ask those questions, sift through the answers, and color the stories that we will be pitching over the next several months about our client. We conduct these sessions with all our clients and finding the answers to these questions, even the obvious ones, which help to clarify both new and old directions in the PR program.

By midafternoon I was back in the office and, more importantly, back in Pennsylvania. And what did I find in my email upon my return. That’s right. More questions. In two separate emails actually.

The first series of questions were actually from a reporter for a client (a different one than the client I just met with in the other state). Any of you familiar with PR knows that my next step was to spend some time drafting the initial responses. With the exception of a few moments here and there (we will get to that in a minute), I spent pretty much the remainder of the afternoon drafting those responses and putting in the work to create as little work as possible for our client.

What occupied those other moments during the afternoon was another email that contained even more questions. This time it was a list of things sent over from my MIL realtor regarding the apartment that my wife and I are hoping to rent. As it turns out, the owner had a few questions regarding both some of our debt and our recent employment history. Well, the real focus was on the employment record as they had already turned down an application based on that factor alone.

I felt like Albert Brooks’ character in ‘Defending Your Life’. We haven’t done anything wrong, you know I have basically worked whatever job would pay the bills, but it wasn’t the preferred employment history so it was, by default, wrong. Never mind the fact that we remained current on all our bills, payments, and, of course, rent.

Oh well, such is reality. Now we will wait and see what results from all the answers given throughout the day and if any more questions come about. Basically, this is when the interesting part starts.  

 

Real Estate Round Two

For the second weekend in a row my wife and I got in the car, headed north, and met with my mother in law to see a few places. While we both would prefer to move when our current lease is up at the end of May, we are still trying to find the right place that would fit all (or most) of our needs while keeping us within budget. We found one such place last weekend but were quickly rebuffed when the owners of the spacious apartment decided to pull the rental off the market and put the unit up for sale. With the past week still fresh in our mind, we headed out with some understandably lowered expectations.

Our first stop in Lansdale justified our curbed enthusiasm as both the neighborhood and the property were the complete opposite of what we are looking for to gain greater comfort in our surroundings. We could tell that this was a possible reaction based on the listing but pulling up to the house and walking in the door confirmed every lackluster expectation. Put it this way, it was so bad we didn’t even bother walking upstairs, we walked around the first door, around the chair holding the back door closed and met back at the front door where the sunlight was scattered by the cracks in the windowpanes.

House number two was a bit on the older side but was a solid standalone home with nearly an acre of land. The house met many of our needs and even had a single car garage as a bonus. However, it was at the top end of our budget and had many uncertainties regarding utilities. In the end, I think it would be a great first small home if we were looking to potentially buy (no ideal but solid) but it was a little too much of s stretch with regard to renting.

The final showing of the day, which we found thanks to Zillow, was a little bit further out than our original target area but still within a reasonable distance from both our jobs and the major arteries running through the area. It was the next county over but checked off many of the things that we were looking for in a new place. However, what really motivated us to go a little further and consider the apartment/condo was the fact that, after factoring in the additional expenses, it would be the same monthly cost as our current apartment but with more space, a better layout, and a little outdoor area for ‘relaxation’. Moving would still be a little financially tight but this at least seemed to be manageable.

So, after discussing the this last showing over a late lunch and running through the pros and cons when we got back to our current apartment, we decided to put in an application and see what happens. Actually, I will be sending the application in the morning as I have long since blocked out how involved this whole process can be and pulling together all the necessary information is proving to be more work than I wanted to add to my weekend. Once this is sent in, it is then out of our hands. I guess we will have to wait and see what happens… again!

Finding Our Geography

For me and my wife, our next big milestone in our marriage is to find a place to live, some place that we can call home. It is something that we have been searching for over the past several years, really since the day we got married. We have taken a few chances since our vows to achieve this dream but nothing has worked out up to this point. Some places haven’t been satisfying for either of us while others were a split decision. But, in the end, finding home is something that we have to both agree upon.

Over the past several months we have been traveling to various parts of the commonwealth, we have seen numerous small towns and driven down countless streets. While there have been a few that have piqued our interest, there hasn’t been any place that has met all of our expectations for a place where we could see settling down for the long haul. It is not an easy decision to make so we are trying to take our time to find a place.

Our latest debate is whether to stay in our current apartment where the rent is quite reasonable and save for a home or do we incur the expense now to rent in a location where we can feel more at home. We keep going back and forth in this discussion as we are eager to move on from the congestion and confinement of our current surroundings but, at the same time, it would be nice to finally move somewhere when we can have the pride of ownership waiting for us when we unload the truck and open the door. Essentially, do we postpone long term happiness for short term satisfaction and comfort? Either option would be a financial struggle

So, with this back and forth still part of our everyday life, we have been looking for a place that meets both the requirements we have for ‘home’. It has taken a lot of time and a lot of errors but we may have finally found that place. Where? I am not going to divulge that information at this point as nothing is ever final until a move happens. Plus I know of at least a few realtors that read this blog and I am curious as to the theories that will eventually surface as to the locations in the area (the area of consideration has not been mentioned to any of them in the past). However, it is safe to say that it is in-between where my wife and I work and within an easy train ride of Philadelphia.

It should be an interesting time of consideration and weighing our options as our lease is set to expire at the end of May. There may be a lot of changes to start the summer or there could be a continuation of the status quo. I guess you are just going to have to keep reading to find out what happens in the coming months.

I Hate When Cleaning Leads To Taxes

Every once in a while my wife and I find ourselves in desperate need to do some cleaning around the apartment. With our schedules the way they are and other projects taking priority, things just seem to build up over time until we get to the point that we can’t take it anymore. It is a slow build but one that we see happening and keep planning on taking care of which in itself is a process that can take weeks.

There are also projects that keep getting put off. Mostly they involve reorganizing different areas or shifting things around from one location to another. A prime example is the reconfiguration of our kitchen. When we first moved in we set up a kosher kitchen and kept it that way for well over a year. However, in the early part of last year we decided to adjust our observance level and at that point stopped keeping kosher. Since that time we have been meaning to consolidate some of the utensils and free up some counter space. Today that finally happened.

Later in the evening, after my wife had gone to bed for the night, I shifted my focus to the office. Paperwork of any kind is tedious but especially when it is a matter of organization. I first went through the existing files and pulled out all of the items that made me say “why the heck is this getting saved” and threw it into the overflowing shred box tucked under my desk against the wall. I guess I am going to have to make another trip to Staples in the near future.

Once I was able to consolidate and sort the overabundance of papers in the filing cabinet I was finally able to focus on the piles that had taken over my desk. This is when I came to the realization that most of the papers were either paid bills or magazines. While the magazines have been consolidated into a single stack the bills were a little bit more involved. Some went into a miscellaneous bills folder but the vast majority ended up in the dreaded tax folders.

Yes, I said folders. Plural. If there is ever a reason to hate this time of year it is for the simple, yet complex, reason of pulling together all of your documents, receipts, and forms and filing your taxes. While I closely watch, track, and itemize every year I have never gotten a significant amount back. In fact, last year, I owed an amount of money which didn’t make sense whatsoever… during a financially red year the government still wanted more… more of what we didn’t have. We managed, barely, to pay the bill and now we have to go through the same process again.

Just like cleaning and organizing, taxes seem like a zero sum game but we all eventually end up having to deal with it. I can already tell that this is going to be a long first part of the year. Maybe after April I will be able to breathe… but I think that is going to depend on the financial outcome on in the middle of that month. I guess we will just have to wait and see.  

Who Helps You Focus Your Efforts?

Every week, or nearly every week for some, Rotarians gather for their weekly Rotary meeting. Every day there is something that needs to be taken care of or addressed to keep the club running as smoothly as possible. Emails, phone calls, meetings, mailings, filings, promotions, etc. are all part of what keeps things going behind the scenes.

It is a constantly regenerating list that is without end and it is the officers that take charge of these tasks. It is a full time job that these people do without pay and they are duties that are, generally speaking, ones that no one enjoys doing. When was the last time you looked forward to stuffing envelopes? How many of you eagerly await emails that ask for everything under the sun and you have to be the one to consolidate the fundraising efforts into a concise message/focus?

Admittedly, I enjoy both to varying degrees, but I am also incredibly odd. Most of the people I talk to basically run in the opposite direction when they are asked to assist in one or both of these matters while the ones that agree to help do so begrudgingly. And of course there are the ones that ignore the request and, instead, add another item to the to do list (these are the people that insist that whatever it is needs to be taken care of as soon as possible).

Since when did volunteering with a community centric organization require a political background? Pork belly charity seems to be the name of the game and implementation without financial forethought can run rampant if left unchecked. With the demands placed on the clubs and on the people behind them, it is astounding that anything gets done. Don’t get me wrong, this is by no means a blanket statement and should not be taken as a deterrent to either those thinking about joining or those considering taking a leadership role as there are many clubs that run very smoothly and the members understands both the limitations and opportunities within which they must operate.

The purpose of this post is for those who are members and are proud of their affiliation to consider the bigger picture and not to just think about what you want to see your club accomplish but to consider the other factors at play. First and foremost, does the project address a need that exists in the community or is it simply something that you want to do? If a need can be established, follow up with the following questions and dig a little deeper. Does your club have the means to see the project through to the end both financially and with regard to the time commitment? Is the project the best use of the club’s time and finances?

Everyone has good ideas and the occasional great one but we can’t be everything to everyone. While it is hard to sometimes have to let go of an idea or project, it is something that needs to be done every once in a while in order to ensure that the greatest possible impact can be made with the resources at hand. This is not a foreign concept and I’m sure that this is not the first time that you have heard those questions but they are definitely worth repeating as they are frequently forgotten.

I have experienced the wide spectrum of how operations are handled as well as the expectations that members have of their club and the officers. While one is easier to deal with than the other, the motivation to contribute is not dependent on ease of operation. It all comes down to passion. If you maintain your passion to give back to the community, help others, and be a part of something greater than yourself you will put up with almost anything in order to see the impact that your club can have on those around you.

Remember that those who take on a larger role are people who want to see things get done. They are not there as a barrier, all they are trying to do is to make sure the proposals made are in the best interests of the membership, the club, and the community. If you can assist them in any small way I encourage you to do so. Whether it is by assisting with some of the aforementioned tasks, helping streamline a process or system, or general things here and there any and all support is appreciated. Or, if you are unable to do any of the above, take the time to thank them for their service.

This is why we put service above self. This is how we improve ourselves while we improve our community and why we take the good along with the not so good. It is just that simple.

Sometimes Keeping Kosher Does Much More Than Divide A Kitchen

Over the years my wife and I have observed the laws of Kashrut to varying degrees. It began about three years ago when we began eliminating pork and non kosher fish from our diet. I had eliminated shellfish long before that time due to my wife’s severe allergy but we took it a step further by removing eel, calamari, and others from our options.

Next was the big step of not mixing meat and dairy. This was particularly hard as we both grew up and thoroughly enjoyed cheeseburgers and cheese steaks. While it was a struggle, we managed to do it. However, I think we are still on some Philadelphia citizens watch list.

After our short time in Israel, our observance increased to the point at which we created a kosher kitchen in our new apartment and stocked it with strictly kosher food. As many of you know, this is not an easy endeavor as this required us to segregate our pantry, fridge, stove, cabinets, and sink and maintain a process of keeping everything kosher and having a set of steps to follow for the times when we messed up (grabbing the wrong utensil for example).

This is where we have been for the past year or so.

Lately we have been asking ourselves if this extra step has really added anything to our observance. Is it bringing us closer to G-d or is it hindering us from truly appreciating what G-d has given us? Of course, this is really part of a much broader question regarding our observance but it applies to all aspects including the laws of Kashrut.

In the end, we have decided to go back to basics as we have found ourselves getting too caught up in the details of what we are doing rather than the appreciating of what we have and what G-d has given us. While a minor aspect of the decision it is still an important one is the fact that, given our financial position, it has been detrimental to our life and well being to spend the extra money on strictly kosher products (ones that are labeled with a hechsher).

We had gotten away from appreciating life and all that we have been given. We had overcomplicated our lives and muddled the meaning of what it is to live and what it means to have G-d in our lives. It is time to keep it simple.

If I have pissed you off or offended you in some way with this post please know that you are not the first and you won’t be the last… you are the newest member of a club that has experienced tremendous growth over the past few years. However, keep in mind that all members joined the club of their own volition as they refused to be open to an opinion that differed from their own. I always welcome a respectful discussion no matter how wrong you may be.

With that said… if you agree, leave a comment; if you disagree, leave a comment; if you’re struggling with the same issue, welcome to the club, now leave a comment.