Jul 04 2008

Reducing Credit Card Offers

Published by Jason Carter under personal finance

In Q1 2008 I saved all of our pre-approved credit card offers to see how many we received and who were the worst offenders. I had previously opted out of offers at optoutprescreen.com, so I received quite a bit less than Stephanie. After Q1, I also had Stephanie opt out to see if it would have any effect.

Here are the offers from Q2:

It seems like the opt out was very successful, dropping our offers from 30 down to 13, 12 of which were for Stephanie. The majority of these came during April, probably prior to the opt out taking full effect. I’m very curious to see how many we get for Q3 (although she did already receive one in the first couple of days of July).

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May 12 2008

A List of Books

Published by Jason Carter under books

The list of books I’ve read, from the 1,001 Books You Must Read Before You Die book.  Whew, looks like I’ve got a ways to go before I shuffle off.

  • The Plot Against America – Philip Roth
  • Cryptonomicon – Neal Stephenson
  • Memoirs of a Geisha – Arthur Golden
  • American Psycho – Bret Easton Ellis
  • The Bonfire of the Vanities – Tom Wolfe
  • Love in the Time of Cholera – Gabriel García Márquez
  • Contact – Carl Sagan
  • Confederacy of Dunces – John Kennedy Toole
  • The World According to Garp – John Irving
  • The Shining – Stephen King
  • Rabbit Redux – John Updike
  • Slaughterhouse-five – Kurt Vonnegut, Jr.
  • Myra Breckinridge – Gore Vidal
  • Cat’s Cradle – Kurt Vonnegut
  • The Spy Who Came in from the Cold – John Le Carré
  • Catch-22 – Joseph Heller
  • To Kill a Mockingbird – Harper Lee
  • Rabbit, Run – John Updike
  • Lolita – Vladimir Nabokov
  • Lord of the Flies – William Golding
  • The Catcher in the Rye – J.D. Salinger
  • Animal Farm – George Orwell
  • Of Mice and Men – John Steinbeck
  • The Maltese Falcon – Dashiell Hammett
  • A Farewell to Arms – Ernest Hemingway
  • The Great Gatsby – F. Scott Fitzgerald
  • The Trial – Franz Kafka
  • Siddhartha – Herman Hesse
  • The Hound of the Baskervilles – Sir Arthur Conan Doyle
  • The Adventures of Huckleberry Finn – Mark Twain
  • Alice’s Adventures in Wonderland – Lewis Carroll
  • The Scarlet Letter – Nathaniel Hawthorne
  • The Pit and the Pendulum – Edgar Allan Poe
  • The Fall of the House of Usher – Edgar Allan Poe

Plus a bunch of others that I read in high school but I wasn’t paying much attention, so I’m not counting.

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May 09 2008

San Diego Firewood

Published by Jason Carter under San Diego

This is a post mainly for my benefit, to get a scrap of paper off my desk.

Last fall, I searched far and wide for a cheap supply of firewood.  I found a post in either the Reader or Union-Tribune, called the number, and drove out to El Cajon to see what he had to offer.  There was a nice gentleman there, I think his name was Norman, and he had huge boxes full of hardwood, both split logs and whole limbs.  He offered me $40 to fill up half of the back of my Pathfinder, somewhere between 30-40 cubic feet.

I reached him at (619) 593-0319 and set up a time to meet him at 780 La Rochi Way, El Cajon, CA.

  1. Take 8E to the 2nd St. exit in El Cajon
  2. Take a right on 2nd St.
  3. 2nd St. turns into Jamacha Rd.
  4. Take a left on E. Washington Ave.
  5. E. Washington Ave. turns into Dehesa Rd.
  6. Take a right on Van Horn Rd.
  7. Take a left on La Rochi Way
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May 08 2008

Review - This Film Is Not Yet Rated

Published by Jason Carter under Movies, Reviews

Stephanie and I watched this a few nights ago and were a bit underwhelmed. I think we can all agree that a rating system for films is a good idea. Maybe the current system isn’t perfect, but aren’t there more pressing issues in the industry, such as the increasing irrelevance of the physical distribution model and the gradual destruction of the movie-going experience for the sake of revenue generated by pre-movie ads and in-movie product placement? As movie distribution shifts from theaters to Netflix, Bittorrent, etc., I think the rating system will have less meaning and the NC-17 rating won’t be a death sentence for a film’s commercial prospects.

I did find the appeals process interesting; the appeal board was made up almost entirely of VPs from the major theater chains and movie studios. It seems like they would be more inclined to change NC-17 ratings to R ratings, since R rated pictures will have a higher gross.  I wonder why this group chooses, in the majority of cases, to uphold the original MPAA rating?

All in all, not a bad film, but not the dramatic exposé I was expecting.

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Apr 29 2008

10 Years, 5 Years, 1 Year, Today

Published by Jason Carter under Personal

I’ve been thinking a lot about how much life changes, even from one year to the next.  Let’s take a look back at life ten years ago, five years ago, and one year ago.  What were some of the unknowns at that time?  What decisions were on the horizon, but not yet made, and how did they work out?

Ten Years Ago, May 1st, 1998

I was finishing my senior year at Cornell.  I knew that I would go to graduate school for Biomedical Engineering, but was faced with an agonizing decision between Northwestern and University of Pennsylvania.  Both programs were excellent and there were pros and cons for each.  I ended up choosing Northwestern because I loved Chicago and felt that the program had better connections with the healthcare industry.  I made some good friends during my year there and learned a lot but those industry ties turned out to be irrelevant as I pursued a different career path.

So, I had no idea where I would be living and studying in six months, who my friends would be, and what that meant for my current relationship and friendships.  All of that would change radically over the next three years as I moved several times, gained new friends, lost touch with others, struggled to find a job, agonized over two career path options, accepted my first job, ended a long term relationship, and met my future wife.

Five Years Ago, May 1st, 2003

I had just moved in with Stephanie in NYC and adopted two baby cats, Paulie and Penny.  I was working as a contractor for a new company; the future looked promising for the company and we started to think about relocating to the west coast.  So, once again I wasn’t sure where I would be living in six months, but I had a good feeling it would be a change for the better.

Engagement, marriage, and children were not on my mind at the time.  I was focused on doing well in my new job and adjusting to cohabitation and life with two crazy kittens.  On that day five years ago, I had no idea that we’d end up in San Diego and eventually engaged and married.  The move ended up being a fantastic idea, and the engagement and marriage, while a long time coming, were very happy times for us.

One Year Ago, May 1st, 2007

Stephanie and I are married and settled in San Diego.  Our closest friends just moved back home to St. Louis, so we’re sad and feeling a little uncertain about our long-term prospects in San Diego.  We know that at the end of the year we’ll start building our family, which was exciting but also very scary.  We also knew that this would necessitate a move to a larger place at the end of the year.  Little did we know that it would turn out to be twins, throwing our simple life into a very happy tailspin.  We also didn’t know that we’d take over a friend’s rental house; while that was a good decision at the time, the twins factor would force us to consider a large home purchase in the coming year.

Paulie and Penny were doing well and not really on our radar.  We didn’t know that Paulie would be diagnosed with renal failure that fall, leading to intensive treatment and constant worry about his health.  That he would eventually succumb to the disease seven months later would have been absolutely preposterous to us one year ago.

My job was going well and the company’s prospects were bright. I had no idea that a few layoffs that summer would lead to a promotion and a lot more uncertainty about the future.

Today, May 1st, 2008

What will I think, looking back on this day next year?  I’m astounded by how much life can change in one year, even when things seem stable and under control.  Stephanie is pregnant with twin girls, due in August.  From that alone I know the next year will have more changes than I can possibly conceive.  Once again, where will we be living, having outgrown this rental house with no heat?  Who will be our new friends and who will we lose touch with?  Will the coming recession threaten my job when I need it most?  I’ve got no idea what will happen and with history as my guide, I can guarantee that I won’t even be able to guess.

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Apr 25 2008

My Little Guy

Published by Jason Carter under Personal

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My Little Guy, originally uploaded by jcarter.

This is the last picture taken of my little guy Paulie, 4/12/2008.

A few of the thousands of memories, so I don’t forget them…

Paulie loved / hated string. Whenever Stephanie would put on an outfit with a bow or tie, his eyes would widen and he would become 100% focused on getting that string.

In his younger days in NYC, he was an excellent fetcher. I would toss his pink pig toy into the kitchen and he’d go racing after it, sliding on the linoleum and kitchen mat. He’d pick up pig in his mouth and trot it back to my feet.

Now that he’s gone, I’m shocked at how much of a presence he was in the house. He was constantly hanging out on my desk, on the back of my chair, or following me from room to room. A dozen times a day he would jump up onto my lap through the chair arm hole and worm his way up to the desk where he could walk back and forth with his bushy tail in front of my face.

Speaking of that chair, he loved sitting on the back of it watching me work. He would usually leap from the ground to the side and then claw his way to the top, which I’m sure he thought was hilarious. Once at the top he would knead the top furiously with his claws, much to our displeasure but we couldn’t stop him.

There was no better cat at snuggling. Stephanie got to experience this more and more as she was home more frequently. If you would lay on the couch or in bed, he would jump up shortly after and cry until you let him under the blanket. Once under, he would plop down next to you and fall asleep while you rubbed his belly.

Countless nights he would jump into bed just as I was falling asleep on my side, slam his body against mine, and curl up into a ball. I would drape my arm over him, cup his face with the palm of my hand, and listen to him fall asleep. Occasionally, I would wake up in the morning lying on my back and find that he snuck into my nook and convinced me to hug him while I was sleeping.

When he wasn’t in your face, he was usually curled up into a tiny ball by our pillows on the bed or in Penny’s bed. Sometimes I couldn’t help it and would have to wake him up and rub his belly for a while.

Nothing brought out his craziness like the laser pointer. He would leap from the floor to the couch, scramble back and forth on the couch and leap to the chair, all without regard for his own personal safety. He never could catch that thing, though.

He was a good playmate for his sister, at least until later when she outweighed him by more than double. He would hide under the table, trill for her to come find him, give a half-hearted pounce when she got close, and then scurried away to another hiding spot. It was always a lot of fun watching the WWF sessions, which she would almost always win.

He would occasionally seek out the sunny spots in the house, but if it was very warm and sunny, he would beg to be let outside. We would sit with him while he rolled around on the ground in the sun. His little dark patches would get so hot after a while.

He was an extremely vocal cat. If you said his name, he would almost always respond, usually with a short trill and a jerk upwards with his head, as if he was saying “Hey, what’s up?”

He loved his hugs. He would hang out with his paws draped over the left shoulder, body and back paws hanging down the front of your body. From here he could see the world over your shoulder, give you a head butt, and start to rub and nibble your left ear. Sometimes he would be so desperate for a hug he would leap from the bed or desk onto my shoulder. There was no going back; he was completely trusting me to catch him.

At night in the old PB house, he would sit on my nightstand while we were getting ready for bed and reading. Without fail he would hear something in the living room and prop himself up on his hind legs to check it out. This earned him a Prairie Dog nickname.

Some nicknames: Handsome, Mr. Handsome, The Baby, Little Guy, Big Guy, My Guy, Paul, Paw, Pants, Poddy.

On a few occasions he’d also get the Mr. Vanity nickname. While we were in the bedroom, he would see his reflection in the mirror hanging on the door and put his paws up on the mirror to check out that handsome cat looking back at him. This would close the door, causing him to be locked inside the bedroom. We could never go anywhere without holding the doors open with a pillow, otherwise Mr. Vanity would be crying about his lack of food.

Favorite toys: Spongebob, Mr. Pig, the string at the end of turtle, the laser pointer, anything that could be knocked from the table down to the floor.

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Apr 10 2008

Poetry Hour

Published by Jason Carter under Writings

My mom faxed me some poetry that I wrote when I was little boy - 10 or younger maybe? I’ve reproduced it here for your pleasure, with teacher comments in red below each poem.

Marsh
by
Jason Carter

The marsh is blowing in the breeze
And I feel so much at ease.
As I sit on the dock,
And take off my socks,
And rest without looking at any clocks,
I have learned to relax
By watching the grass
What a great life this is at last!

This poem says so much. You’re lucky you have found a beautiful piece of this earth where you feel peace.

Fishing
by
Jason Carter

Near the shore lived a man
He’d lay on the sand to get a tan.
The water would rise; the water would fall.
The man would stay there until nightfall.
He entered his house at night
Until the morning when the fish would bite.
The sun would rise in the east,
He would get on his knees and pray for a feast –
He’d bait his hook to get something to cook.
He’d fill his boat with all he could eat,
And leave the rest for some else to eat.

Good rhyming pattern

Frog
by
Jason Carter

The frog jumps
on all four feet.

It sits down
Overlooking the pond
On small webbed feet
It then jumps away

What a great picture

Eggs
by
Jason Carter

Eggs
White
Oval
Speckled
Many-colored
Fragile
Protected
Mysterious
Potential
A new life.

Very nice. The picture adds an interesting dimension.

A Boy
by
Jason Carter

A boy who has a toy
Feels great indeed!
His new racing car
Has great speed.
He’d race them down the track;
And beat them before they got back.
A boy with a toy has great joy!

Very true.

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Apr 08 2008

A Quarter of Credit

Published by Jason Carter under personal finance

Q1 2008 Credit Card Offers, originally uploaded by jcarter.

My wife and I get a ton of credit card offers in the mail. Starting in January 2008, I decided to save the letters to see how many we receive in one year. I’m also curious if we’re able to reduce the number of offers we receive by opting out.

The picture above shows offers received from January 1 to March 31. There are a total of 30 letters; my wife received 23 and I received seven. This seems to indicate that my previous opt-out efforts have paid off.

I was surprised by how many repeats we received; seven from Citibank/AA, six from Capital One, five from Chase, three from Marriott, and three from Discover. It was the annoyance of seeing the same Chase envelope every week that started me on this project.

Our next step in the process is to see if we can reduce my wife’s letter count by opting-out here and also with the individual repeat offenders.

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Mar 25 2008

Spring in Bloom

Published by Jason Carter under Photography

Pollination, originally uploaded by jcarter.

Spring is in full bloom in San Diego. These red flowers appeared on a tree in our backyard over the past week. Each bristle is covered in yellow pollen, no doubt partly to blame for my periodic allergy outbreaks this week.

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Jan 23 2008

Homeowners / Renters Insurance Tips

I recently reviewed my renters insurance policy to make sure everything was in order and to see if I could save a buck or two. I was shocked to see that my limit of liability for Personal Property Protection jumped 120% without my knowledge. This resulted in a 79% increase in my yearly Property Insured Premium. After a few minutes on the phone with Allstate, I learned what happened and will pass the knowledge along in case it helps someone else out there.

Most homeowners and renters insurance policies have reimbursement limits for certain items, like computers and jewelry. The one that pertained to me was a $1,000 limit on jewelry loss. As soon as I bought my wife’s engagement ring, I went into the Allstate office to get the ring covered by Scheduled Personal Property Coverage; in other words, a rider was added to my current policy to cover a ring worth more than the $1,000 limit. That resulted in a second (and quite large) premium on top of the premium I was already paying, but I was expecting that and walked out of the office confident that I had done the right thing.

Jump forward two years to my review of the policy: the two premiums were still there, but my regular property premium was much higher and I was suddenly covered for more than double what I needed.

Here’s what happened: according to my agent, the large insurance companies have decided that they don’t want to be in the business of insuring things like jewelry (go figure). So, any time you schedule jewelry on your policy as a separate item, the insurance company makes you carry a minimum of four times the appraised value of the jewelry as your personal property limit. So, if you originally have coverage for $10,000 and splurge on a $20,000 ring, as soon as you add that ring to your policy your property coverage will jump from $10,000 to $80,000. And your premium will jump too.

The solution to this problem is to evaluate your premiums before and after adding scheduled property, like jewelry. It may make sense to open a separate jewelry-only policy with someone like Jewelers Mutual and to remove the scheduled jewelry from your homeowners or renters policy. I’ll be able to save a little over $100 a year by going this route.

Another thing I picked up from my agent today: they may bump up your property coverage by a few thousand every year automatically. This may only apply to policies with full reimbursement, as a way of keeping up with inflation. Still, the increase will have a small impact on your premium and over time the coverage may be quite a bit more than you need for your current assets.

The lesson I’ve learned today is to keep a close eye on your insurance policies because the coverage limits and premiums will change on you if you aren’t paying attention.

Digg!

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