Hedge your bets

Just google’d “hedge one’s bets” and found 1. Avoid committing oneself when faced with a difficult choice.

Now this may seem like the coward’s way out of tough decisions, but I’m here to tell you it’s the only way to be assured you’re going to survive the leveraging game.   You have a built in barometer of your own tolerance for risk.  All of us do.

When you are facing tough decisions, and these when not life and death (and even sometimes when they are life and death) are in some way boiling back to money, fear and the fear is of losing the money.   I like to think of the abundance mentality, myself, and ascribe to the pie is big enough theory that everyone can have a slice, but alas, the world doesn’t operate that way.

Prudence, then mandates that you face facts.   If one out every four households in the great state of Oregon are on food stamps, then you get the idea that abundance thinking leaves a quarter of the pie completely decimated by poverty, and I would estimate that clearly half of the pie is also missing some filling.

So in the top ¼ of the pie there is some good opportunity and for the 1% of the pie eating public, there is too much pie.

I’m wanting you to at least be in the top quarter, so “hedging” is one way to get there.

Examples of hedges I’ve made in the past that have paid off, are while committed to starting a computer training business, I also spent weekends and some nights finding real estate investments to purchase (after we had secured, and purchase our first house in Portland, Oregon).   The median price of a home at the time was $99,000 (1992) and today it’s around $246,000 today (2015) now granted that is 23 years later, but the increase is a whopping 148% increase, and the house we actually bought increased to around $499,000 after purchasing for $126,000 ( a 300% increase ! ).

So beyond my house, which I leveraged several times (to take out 2^nd mortgages to buy more investments), my wife and I, invested first in a duplex, then later a fixer, then a 10-plex and we kept going.

The business lease was up, after 5 years, and someone close to my landlord mentioned that “Bill, knows you aren’t going anywhere” , translated: he was ready to up the rent and give me the shaft, so I took that and the 60 days before my lease was over, to find a building for sale up the street.  It was bigger than I wanted, but it was a deal at $500,000 and I could leverage an SBA finance loan with only 10% down because I was going to occupy the building !

The building sold for $765,000 3 years later.  But the “Hedge” in taking the risk, on buying more building than I could use, the relocating my business and “paying myself rent” in a closed economy of my own doing ( I was the landlord, tenant and janitor!) payed off handsomely.

If we looked at the $50,000 down on the building, and we leveraged the business to pay the rent, and we looked at the $250,000 profit after 3 years we can see that there was a 400% return on the $50,000 in just 3 years!

Hedging your bets means making sure you are when faced with a difficult decision you also act in ways that are COMPLETELY IN YOUR BEST INTEREST.   That is the hedge.  If you are paying someone else a LARGE SUM OF MONEY, you need to figure out a way to hedge that bet.

You are right to bet on yourself.    Paying big bucks for education, for additional career training these are all GREAT HEDGES.  Why?   Because you stand to earn 1 million, 2 million or more in your lifetime … of course the ROI of getting more knowledge is worth the investment.  I always condone expenditures, even loans for these two things:

1. Appreciable assets (things that are going to go up in value)
2. Your education

Loans for anything else are what I would call “REVERSE HEDGES”.  That is to say if you are getting loans for a car, for furniture, for vacations you are doing the opposite of avoiding the commitment on a difficult decision about spending money … you are thowing caution to the wind, and just going for it.

Well, you will have to pay for that reverse hedge at some point, later in time.

In fact it will cause pain, later.   So I won’t say “Enjoy it now”, I will say DON”T DO IT.

Pay cash for your cars, your trips, your furniture … or buy used, buy discount and don’t ever put any of these items on credit.  If you can’t afford it, then the decision is made for you.  Suzie Orman should ring in your ears “Denied! Girlfriend (or Boyfriend)”   you can’t afford it right now.

Get it when you can, and you are hedging your bets correctly … towards a time when things will not be such a difficult choice.

Often our ego will play into it, or impulse (which is our ego’s way of saying “we’re going to miss this deal”).   As you get on in years, you will realize there is “no such thing as a free lunch”, and “deals, or markdowns are reducing already high margin/profit prices to a more realistic range, but they are always going to be deals” … and buying used (cars, even furniture-gently used) can be a real bargain and a great hedge when a decision to replace something in your life comes around.

No Judgment, No Pain

Riding around on my bike this morning,
I realize the mind needs exercise

I mean, not just the body, and blood flow that accompanies the workout
but the mind

And not just doing exercise, which helps,
but exorcise

Exorcism, driving away of evil thoughts

So I started with a gentle chant, while peddling
to myself
"No Judgement, No Pain"

How much judgement keeps replaying over-and-over
about transgressions, either those we did or those that were done to us

And the judgment, the vicious, brutal, non-forgiveness
of ourselves, and others that accompanies this judgment

Last night I watched "The Judge" with Robert Downey Jr. and Robert Duvall,
really a pretty good flick,
and it occurred to me that the manslaughter charge, the blackout
the indictment and conviction of Robert Duvall's character is really the
manslaughter indictment, and conviction that awaits us

We all do the crime, all the time, in our minds

At times we castigate and reprimand,  and do unspeakable things to kill the evil "we perceive",
in "the world", or ourselves or others.

We want to kill evil through judgement,  "once and for all".
Then we can get on with our pain free existence.
Yet it persists, in our minds and we face it daily, or hourly or more frequently.

We can't kill it.
Legally we're bound, we're bound by laws of nature and age, and physical anatomy from killing ourselves or others, with pills or booze or any other devices, gadgets or weapons.
I take that back, we probably can succeed in killing something or someone, or
we can die little deaths, each time we let ourselves go there.

But is there a better way?

What if we tried to refuse to pass judgement, or judge and "live and let live".
What if we forgot to remember?  Refused to spin up or lather up our anger?
What if, for a day, a week or the rest of your life you adopted a different mantra
to deal with the sadness, that underlies the pain, that underlies the anger,
that begats the judgement, which feeds the whole cycle top-to-bottom.

The answer seemed so simple on my bike ride:   no judgement, no pain.

I'm going to adopt this simple mantra when I have these things pop up (because they do, hourly if not more frequently) and see if a new way of thinking can exorcise the demons in me.
The problems that are out there will always be out there,
the ones you can fix, or do something about are inside of your brain.

No judgement, no pain.

The space between

I read something profound once that

life is lived
in the gaps

intriguing, the idea of space, and nothing

and in those minutes,
when there's actually room,
to be

gratitude.

2014 MartyMuzik

twentyfourteen

Packed crowd of songs, and some of the more mainstream: Kongos, Vampire Weekend, etc ... well got booted !  Too much hard core, soft listening and techno jammed into one format - ah well, welcome back to MartyMuzik !

skipping over to song 3, "Algiers", is Cincinnati's own Afghan Whigs, I'm reminded of why vinyl and cd's are so fun man, its ... the cover art

i mean if these old fucks can still have us cringe by thinking about this cover for 'do the beast' you'll like the music intrigue even more

The alt rock contemporary Wolf Alice will rock you out hard, with some hints of pixies meets sleater kinney ... and perhaps cherry blossom finish.  female vocals just hit the spot

Wolf Alice (N. London)

the backdrop to newly outed lead, from Against Me!, Laura Jane Grace (who began life as Thomas James Gabrial) reminds us that when switch hitting, it is important to change all three of your names to avoid any confusion.  That being said, you're in for being sucked in like a straight man in Castro, with Transgender Dysphoria Blues (i'll save you looking it up, dysphoria is a 'general state of malaise, or uneasiness") ... understandable

The brother and sister duo Taking you on a Big Jet Plane is from Australia, 

Angus & Julia Stone

Song 10, Intro ~ is a fitting point to not-flip over your CD, he-he, thinking about the vinyl days.  Nope, you wouldn't get 20 songs on a single one.
Anyway, don't flip over your CD, you are simply entering the 'techno', more synthesized sound for a few songs ... its ok, it will soothe you and be reminiscent of many eras of music past, really its ok to feel the synth

I'd tell you more about Zhu, if they didn't choose to remain completely anonymous, and be judged only by their music.  Bold move, hope the royalties find their way to you :-)

Rochester, NY's Joywave is represented on two tracks (#1 Dangerous, as a collaborator, and #13 Tongues

If you are still not hip to Jack White (former, White Stripes) and have just returned from Mars, you need to see him on Lazzaretto in this video

if not for the guitar picking, or the slight resemblence to Johnny Depp, then for the very cool paisley suit.

And finishing with Ha Ha Tonka, what the hell kind of name is that ?!?... from West Plains, Missouri, these guys are like Dylan meets the Meat Puppets or something ... so smooth, its like butter

Just love the lyrics, because we all can't keep learning the same lessons over again. Fuckin' Missouri, right !?

Can I get an 'Amen'?


peace,
m.

Celery superfood

Growing up my mom would put cream cheese on celery, later I heard about peanut butter on celery ... and both of these so-called snacks, not only put a wad of bad fats in my mouth, but they damn near gag me to eat them.
But I crave celery.
So I searched the web to find out what this vegetable has, that I need ... and I did (find out):

1. Celery combats inflammation.   I battle inflammation all the time, from food, from alcohol, from working out ... it seems I'm pin-cushion material, maybe pop a naproxen and get it to chill ... but who wants to take drugs if a food can help out.
2. Celery is like crunchy water.   There is a high water content to celery, so it fills you up, but also hydrates you.
3. Celery has many essential salts
4. Celery is rich in flavonoids  (yes anti-cancer stuff, skip the glass of wine!)
5. Celery has lots of vitamin K, helps your bones

The list goes on, check out these two sites. for more info:
http://www.care2.com/greenliving/11-super-health-benefits-in-just-1-celery-stalk.html
and
http://www.nutrition-and-you.com/celery.html

So I set out to create some great celery salad, modified a recipe I found online and voila !  So happy to eat this salad I nearly wept, it was all-at-once, crunchy, salty, nutty, spicy, sour and felt very much a cross between Vietnamese and Thai, really, so here goes:

Thai Celery Salad

Ingredients
5 Stalks Celery, sliced on the bias (angle your knife sharply when cutting, while spinning the celery)
3 Green Onions, sliced thinly
3 tbs Red onion, sliced thinly, then chopped
1/2 Serrano Chile, sliced thingly
1/4 Cup Cilantro, chopped (stems and leaves)
3 tbs peanuts, halved
1 tbs sesame seeds
Salt and Pepper
Sauce
2 tbs fresh lime juice
1 tsp sesame oil
2 tsp fish sauce


Directions
Whisk together sauce ingredients with a fork.   Make sure the serrano is sliced very thin, and even then cut those in half so the heat is dispersed a bit.

Pour the sauce over the salad, and toss, then plate.

Note:  I sprinkle the sesame seeds and peanuts on each individual plate, just a little goes a long way with the peanuts.  Remember, this dish is all about the celery !

Enjoy!

Vegan Asian Salad

Asian Salad packs a crunch ! Yum!

I always likes the Wonton Chicken Salad at SoupPlantation/Sweet Tomatoes.  Perhaps it was the thought that "protein" could happen, if I could get some of that sweet, tasty chicken meat.  Maybe it was the cheap side of me thinking, wow, I can get meat at this salad emporium, cool!

Well those days are behind me, having joined the vegan revolution of health and well-being, and I'm still hankering for that sweet/sour crunch, nutty goodness. I found a vegan recipe online, modified it a bit, and made it my own.

I don't even miss the deep fried wontons!

Vegan Asian Salad

Servings: 6

1/2 Head Chinese cabbage, sliced thin

1/2 head romaine lettuce, chopped

1 cup red cabbage, sliced thin

1/2 whole red pepper, sliced

1 cup english cucumber, sliced

1 1/4 cups carrot, shredded

2 whole green onions, sliced

1/2 cup snap peas, halved

2 tablespoons cilantro, chopped

2 tablespoons slivered almonds, roasted

2 tablespoons sesame seeds, roasted

1/3 cup rice wine vinegar

3 tablespoons natural peanut butter

1 tablespoon maple syrup

2 teaspoons sesame oil

1 tablespoon grated ginger root

1 teaspoon siracha

1 pinch sea salt

Mix ingredients for dressing: vinegar, peanut putter, maple syrup, sesame oil, ginger root, siracha and salt until fairly

smooth, set aside for flavors to meld.

Combine sesame seeds and almonds in small pan, heat until some become slightly browned. Set aside.

Mix all vegetables in big salad bowl, toss.

I put the salad in a bowl (individual) and gently spoon dressing on in appropriate amounts (noone likes over sauced chinese salad, so don't dump it all in), I mix the individual portion,

then top with Sesame and Almond slivers, give one more stir to incorporate.

Drizzle a bit more dressing on top, in spatter pattern.

Buckwheat fritter w/ Mushroom Gravy

Buckwheat - a work in progress

I got the wild idea that a gluten-free flour needs to come under my mastery. Dammit.

The one that popped into my head; grey, dense, really a non-riser was ~

Buckwheat!

I've tried many times to make a morning buckwheat pancake. They always taste the same:
yuck, ancient grainy-sawdusty-cant-put-enough-syrup-on-this-to-choke-it-down-yuk.

I like a challenge.

Buckwheat

So I'm thinking, break that density up with vegetables that have some carmilized brown on them, and put it in the batter, then cover it with mushroom gravy.

So basically for the mushroom gravy, you can find Mushroom Broth (near the Chicken and Vegetable broth), mince 1/4 cup of onion, slice up 1/2 cup Cremini mushrooms, add a dash of wine, salt+pepper, I put some almond milk (like a tablespoon, for color), reduce and at the end thickened it with a teaspoon or two of cornstarch and a little water.

While that's simmering, slice 1/2 a zuchini, thinly. Cut the bottom off an ear of corn and microwave in-the-husk, for 3 1/2 minutes.   Squeeze from the tassle end, and out pops your ear (or use canned corn, drained).   I added some yellow pepper, and a few Crimini mushrooms too.

Saute those sliced vegetables. Mix the buckwheat with flour and almond milk until the right consistency add some sweetener (agave, or sugar), 1 tbls of cornstarch and 1 tbls of baking power (dammit, didn't have the baking powder this time. They were F-L-A-T, and got no rise out of me either)

Center the batter in a hot pan (sprayed with some cooking spray), cook and keep watch; you want to add the vegetable before the pancake sets up completely, but the bottom side is cooked.

Press the veggies into the batter a bit, then you can put a lid on (for about 15-30 secs), before flipping.   Remove lid, and flip.

Let cook a few minutes more, cover if you like. Then flip onto a plate (veggie side up!).

Spoon mushroom gravy over and server.

So how was it?   eh.   The flavor of the other stuff was great, the veggies, the corn with a bit of caramelization, the mushroom gravy fantastic.

The buckwheat needs help.    Maybe it was the non-stick pan, ick.  Nothing better than the iron skillet for this. Maybe its the lightness on oil, of which I'm trying to be very light-to-non-existent. Likely it was the lack of a rising agent (baking powder or yeast).  Probably a combination of all of the above.

Conceptually this can work, I don't know if the "pancake" is the right format, and I will think about other ways to present the batter part (and crisp it up a bit, thru likely some time in the oven), I just don't want loaves or muffins or some-such thing.

I'm thinking thin the heck out if, get it to crepe up, and roll it.  May play with that, buckwheat crepes a bit.

Anyway, that's it for the Buckwheat Pancake Fritter ... to be continued.   Humphhhh.,  buckwheat wins again.