Mar 312006
 

Just got back in from our second day of running around Tokyo on self-guided tours using the subway, the buses, and our feet. I am tired.

Last night I was going to write some, but went up to the Japanese Bath on the 10th floor and soaked until I could soak no more. Came back to the room and was going to upload my photos to flickr but fell asleep.

I did get up early and upload the photos but have not had a chance to put my notes of all the things we did into writing. I fear I may fall asleep again tonight after I go up and take another soak so thought I had better get something written.

Photos I have taken so far are all available in my flickr Tokyo set of photos. I will keep adding to that folder as I go.

Mar 302006
 

Geoff on Subway

After landing and going through customs it was about 5:00 pm. We went over to the train counter and each bought a ticket to go from the airport into Tokyo. Narita airport is 40 miles outside of Tokyo. (I am guessing Tokyo plans to expand and didn’t want an airport in the center of the city.) We had a choice of the Express Line at 1920 yen ($16.55) or the regular at 1000 yen($8.60). The express would take a little over an hour to get to the station we needed to get to. The regular line, since it will stop more frequently, would take an extra 20 or so minutes. Cheap guy that I am, 20 minutes was not worth an additional $8.00 for each of us.

The signs pointing to the subway were also in English so we followed them down to the subway without a problem. This station is the starting point for this subway line so the car was pretty empty. This was great since it allowed us to get on without having to struggle with our luggage onto what was going to be a pretty packed subway car.

Tokyo Street

The subway car started its journey and we watched the the reader board and the signs at subway stops to make sure we wouldn’t go past our destination but also to learn how the system works since we were planning on doing all our travelling by bus and subway.

We disembarked at the Ueno Station and had to figure out what to do. The directions to the hotel said to catch another subway and have a 10 minute walk to the hotel or, if you are adventurous, catch a bus and be dropped off in front of the hotel.

We looked and their were two exits for the Subway that I could see. We had no idea which one to take so we took the one on the right (which of course turned out to be wrong). From this exit is seemed fairly obvious that there was no bus stop so we walked around the subway station (actually Ueno Park is on top of the station) and asked a police officer where to catch the bus. My Japanese was as good as his English, in other words neither of us understood a word the other was saying. But he pointed us in a direction, and it seemed right, so we crossed the street and walked towards where he suggested.

Continue reading »

Mar 302006
 

My shared del.icio.us bookmarks from 03-29-2006

  • FEBE allows you to quickly and easily backup your Firefox extensions, themes, bookmarks, preferences and cookies. . In fact, it goes beyond just backing up — It will actually rebuild your extensions individually into installable .xpi files. Now you can
  • Sometimes disaster strikes. Data can be lost due to many different reasons. Accidental reformatting, power spikes, virus attacks and hardware malfunction are some of the scenarios where you will find yourself looking for a data recovery solution. Zero Ass
Mar 292006
 

Fly Over Alaska to get to Tokyo

Geoff and I found our seats in row 26 quite easily. The Boeing 777 is set up with 5 seats in the center and 2 seats between the aisle and the window, so Geoff got the window seat and I had the aisle. Cruising at 30-some-odd thousand feet means that except for about 15 minutes after take-off and before landing, your only view is the tops of clouds. I much prefer the extra space of having the aisle and being able to get up and stretch easily.

We settled into our seats and it was not long before we were taxiing down the runway and up in the air.

I noticed on the in video GPS that to go from Seattle to Tokyo the plane flies all the way to Alaska! Guess it has something to do with the earth’s bulge so that a the shortest distance is not always a straight line.

It seemed that the ‘Fasten Seatbelt’ light was not off more than 10 minutes and the flight crew was bringing us lunch. Had a great beef dinner with spinach (Von make more spinach).

Crossing the International Date Line

After dinner we had 4 or so movies to choose from. I watched one and then went on to finish listening to a book on tape that I had recorded onto my Tungsten T3 that I can use as an MP3 player.

You will notice that this post is labelled Day 1b/2a. That is because at 6pm Seattle time we crossed the international date line near the tip of the Aleutian Islands up in Alaska. Since there would be a 4 hour time difference, I am guessing at 2pm on the 27th it suddenly became 1 pm on the 28th! (Someone can correct me if I made a mistake here).

They came around with snacks 2 times during the flight and then before we landed they served us lunch. Again another great meal. My only regret was that I had a beer with lunch and I think it upset my stomach just enough when we started to land about an hour later.

The plane landed at 3:30 pm but we taxied half way across the country before the plane finally stopped. It must have been close to 4:00 pm before we got off the plane. But there were no lines when we arrived at customs so we just whisked through the lines there and the wait for the baggage was not bad either.

We then scoped out the terminal and decided we had better change our Dollars into Yen. We deciphered the forms needed to change the currency and now had a bunch of colorful money in our hands.

Kennewick to Seattle <<- Previous || Next ->> Our First Subway & Bus

Mar 282006
 

Geoff and I left home at 5:30 in the morning to start our drive to Sea-Tac Airport. We made a quick stop at Albertson’s to fill our pop mugs and buy some zip-ties to ‘lock’ the luggage and we picked up some pop-tarts they were ‘pushing’ at the check-out. These made a fine breakfast.

We almost made it to Seattle without a stop but nature finally won and we took what looked like a promising exit. Yet after a mile we still had not come across a gas station or any other rest room. Just as I turned around to go look in the other direction, I spotted a porta-john in front of a home being built. A welcome blessing.

We were back on our way in short order and it was not long we were driving through the airport. Ooops. I had followed the signs right to the airport and not to the parking lot where we were going to leave the car.

Continue reading »

Mar 272006
 

Benjamin Franklin:

A penny saved is a penny earned.

William A. Ward:

Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.

J. Paul Getty:

Buy when everyone else is selling and hold until everyone else is buying. That’s not just a catchy slogan. It’s the very essence of successful investing.

Norman Vincent Peale:

Empty pockets never held anyone back. Only empty heads and empty hearts can do that.

Samuel Butler:

Friendship is like money, easier made than kept.

Eleanor Roosevelt:

He who loses money, loses much; He who loses a friend, loses much more; He who loses faith, loses all.

Billy Graham:

If a person gets his attitude toward money straight, it will help straighten out almost every other area in his life.

Francis Bacon:

If money be not thy servant, it will be thy master. The covetous man cannot so properly be said to possess wealth, as that may be said to possess him

Henry Ford:

If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability.

Henry Ford:

It’s not the employer who pays the wages. Employers only handle the money. It’s the customer who pays the wages.

Hat Tip to About.com

Mar 262006
 

What does it take to get out of debt? $10 a day according to Jean Chatzky in her book, Pay It Down. Chatzky’s book details 11 steps to help you pay it down with only $10 a day.

What will $10 a day get you? It can wipe out $8,000 in credit card debt in just 3 years. Within 2 more years you will have built up a financial cushion of $8,000 and in another 5 years you will have a good start on your retirement nest egg. All for just $10 a day.

The Promise: Getting Ahead and Staying Ahead

Chatzky begins by showing just how addicted Americans are to debt. Her statistics include the fact that the average household owes more than $8,000 on the 16+ credit cards they are carrying.

When credit card bills are looming over your head you cannot focus on taking care of your future and every time an emergency hits your only recourse is to hit the plastic and drive your debt even higher.

Chatzky promises that as you tackle your credit card debt you will feel better and you will see that a secure financial future can be a reality.

Continue reading »

Mar 252006
 

I was just reading “Why Google Base Matters” at Seattle’s Rain City Real Estate Guide and saw that Google Base has expanded into the real estate listing business.

You can go directly to www.google.com/base to find listings for your area or in the larger cities if you put “Seattle real estate” in Google a whole new box pops up directing you to Google Base and its listing of Seattle property. It does not pop-up for smaller cities yet but I am guessing it will not be long.

The search allows you to narrow your search properties that are for sale, for rent, or both. You can also limit your search to the different types of properties that have been listed such as single family homes, mobile homes, acreage, etc.

Mar 232006
 

Bankrate.com has an interesting article on staging your home to get a better price. What is staging? It is turning a bland home into a showpiece in order to maximize the home price. The article states that if you spend $100, you would like to get $1,000 back though, more realistically, you probably can expect to see closer to $3 for every $1 you spend on the right redesign and improvements.

If your idea of preparing for a showing consists of lighting a scented candle, baking a batch of cookies and sweeping the front porch, listen up. Today, home staging can involve elaborate redesigns, extensive renovations, and the addition of rental flora, furniture and even a housesitter to give a home that lived-in feel.

Home and Garden TV even has a show called “Redesigned to Sell” that uses a $2,000 budget and a team of experts (which probably cost way more than the $2,000) to transform a house into a hot property.

The article closed with an interesting paragraph that as public awareness of staging increases, it might change our expectations of what will be expected of a real estate agent when selling a home.

“We are changing the way that real estate is sold. We are changing the economy,” says Schwarz. “All of a sudden, the public is going to say, ‘Wait a minute, agent. You should be paying the stager as part of your marketing budget, or I’m not going to pay you.’

Hat-tip to fivecentnickel.com for pointing me to the bankrate.com article.

Mar 222006
 

--Photo: Crushed Cars--

The BBC reported that police in Dumfries and Galloway, Scotland stopped a 25-year-old for a routine check on March 4th and his vehicle was seized when he could not produce proof of insurance.

When the owner of the car failed to provide proof of insurance or pay the fine after two weeks, the police had the car destroyed.

A police spokesman said the action sends a strong message that driving without insurance will not be tolerated.

I think they are right!

Mar 222006
 

ForbesAutos.com has a story about the vehicles owned by some prominent billionaires.

If your pockets were as deep as Bill Gates’ what would you drive? A new Porsche or a seven-year-old one? Each year, Forbes magazine compiles a list of the world’s wealthiest people. While awaiting the release of the 2006 list, which will be published in March, ForbesAutos.com wanted to give you a look at the vehicles driven by the billionaires at the top of the 2005 list.

A few of them own brand new fancy vehicles but what caught my attention is the fact that these guys who can definitely afford to buy a new car every year are driving older vehicles. Yes, maybe nice older vehicles in most cases, but still older vehicles. My dad had the same frugality drilled into him. We never had a new vehicle but the car he was most proud of was a 78 Lincoln Continental that he bought very used – and of course for cash.

Here are the billionaires that caught my attention:

  • Bill Gates (Microsoft Co-Founder)
    • 1999 Porsche 911 Convertible
    • 1988 Porsche 959 Coupe
  • Paul Allen (Microsoft Co-Founder)
    • 1988 Porsche 959 Coupe
    • 1988 Mazda B-Series Pickup
  • Steven Balmer (Microsoft CEO)
    • 1998 Lincoln Continental
  • Warren Buffet (Investor Extraordinaire)
    • 2001 Lincoln Town Car Signature Series with licence plate “THRIFTY”
  • Jim Walton (CEO of Arvest Bank, Youngest son of Walmart founder Sam Walton)
    • 2002 Dodge Dakota Pickup
    • 2000 Acura Integra
    • 1998 Mitsubishi Montero Sport
    • 1999 Chevrolet Silverado Pickup
    • 1959 Cadillac
  • Ingvar Kamprad (Founder of the Swedish furniture and home goods company IKEA)
    • 1993 Volvo 240 GL

It seems that for these guys who are not ‘celebrity’ super-rich, a vehicle is not a status symbol to them.

Status is something that these billionaires need not prove to others. In many cases, the people on our list prefer to live inconspicuously, avoiding the limelight at all costs.

Mar 222006
 

My shared del.icio.us bookmarks from 03-22-2006

  • protects you by encrypting all of your network traffic and cloaking your Internet destinations. HotSpotVPN TunnelGuardian provides real time protection from malware, spy ware, Trojans, phishing and other malicious code. It protects you by statefully inspe
Mar 222006
 

If you who have been looking for an explanation as to why your investments never do as well as your broker told you they would, you need to watch this video. Here you finally have a stock broker willing to give straight talking truth about investing your money in the stock market.

Straight Talk About Today’s Markets by Century Global.

Thanks to Personal Finance Advice for the headsup on this great video.

Mar 222006
 

Does one of your regularly visited or favorite sites not provide news feed? Feed43 will convert any web page to an RSS feed on the fly.

How does this service work? The Feed43 engine converts free-form HTML or XML documents into valid RSS feeds by extracting snippets of text or HTML by means of applying search patterns, and then joining these snippets together using output templates to form user-friendly content of feed’s items. The principle of extracting specific data from source documents is also known as “HTML scraping”.

I have a number of sites that I check on a regular basis for updates because they do not have any kind of RSS feed that I can pull into Newsgator. A number of software packages I use do not send out any kind of notification of a new version being released. Feed43 should solve that problem.

Mar 212006
 

--Photo: Juyoh Logo--

Tokyo can be quite expensive. Geoff and I are willing to forgo the fancy 4 star hotels and enjoy our stay. In this ‘economy class’ I have looked at rooms that run from as much as $100 down to $20 per night per person. We really wanted to have internet access so we can keep folks posted as to what we are doing both by email and on our blogs.

--Photo: Juyoh Single Room--

I came across the Juyoh Hotel near Asakusa in the Shitamachi area of Tokyo that looks quite nice. It calls itself a “typical Japanese hotel at a reasonable rate”. There were no double rooms available so we will each have our own room (same price as a double room) for 2,980 yen each per night which works out to about $26.00 each per night.

The rooms are described as “3-tatami room”. A tatami a traditional Japanese mat and measures about .9m x 1.8m. A 3-tatami room would hold 3 mats and therefore measures about 5 square meters (2.7m x 1.8m). Each room has a color TV (if you want to watch Japanese TV), an air conditioner, and a refrigerator for you to store your food. Each room also has a Yakata (Japanese night robe) and a bath towel.

--Photo: Juyoh Building--

You share a common bathrooms on each floor. The showers for the guys are on the 6th floor and there is a Japanese style communal (but not co-ed) bath on the 10th floor. I will have to check out this communal bath thing. From what I have read it is more like our hot tubs but without the swirling water and without the swim suit.

--Photo: Juyoh Lobby--

There are 5 computers with internet access available in the lobby for guest use. But the real selling point is that each floor of the hotel has an internet access point set up to provide Wi-Fi to each room for free.

A laundromat and vending machines are available on the 10th floor. The vending machines dispense soft drinks and beer!

The hotel is right next to a bus stop and about a 10 minute walk from the train station.

Japanese Addresses - You can't get there from here <<- Previous || Next ->> Kennewick to Seattle

Mar 202006
 

Geoff and I are headed to Tokyo to see a friend of his get married. As we have have been planning our itinerary I have noticed that the addresses in Tokyo are like nothing I have ever seen before. Looking at a map the first thing that surprised me is that most streets do not have names! At first I thought I was just looking at a poor map but after some research found out that only the very major streets are named and the numbering system defies logic.

So, the church where the wedding is going to be held is at the following address:

4-24-23 Soshigaya, Setagaya-ku

Setagaya-ku is the section of the city, or “ward”, where the church is located. Tokyo is comprised of 23 wards. The ward will give you a general idea of what part of the city you should be looking at. Due to the size of Tokyo these seem more comparable to counties than anything else.

Each ward is divided into districts. In our example we are looking for the church in the Soshigaya district of the Setagaya-ku ward. We have now zero’d in to an area that I see as the equivilent of a very large city.

The number part of the address is divided into 3 parts. The first digit, “4″ in our example, is the Chome or section of the district. Almost like a neighborhood number instead of a neighborhood name.

The next digit, 24 in our example, is the subsection of the Chome and usually identifies a city block.

And the last digit, 23 in our example, is the actual building number within the Chome subsection.

What is so difficult about this address system then? So let’s say you are standing on the corner of Chome 23 and wanting to get to our address on Chome 24, would you go North, South, East, or West? If you answered, “I don’t know”, you will be correct, cause neither would anyone else unless they are familiar with that neighborhood.

Also, the building numbers don’t increment as you move up the street, they skip all over the place because the buildings are numbered sequentially in time rather than in space because the numbering is based on the order in which they were constructed. In other words, building 52 and building 53 might be on opposite sides of a city block if they were built at about the same time, and a building right next to them might be number 20, 32, or whatever. Between the vast amount of destruction from WWII and the aggressive development that Tokyo has experienced, it’s highly unlikely that any adjacent buildings in the city were built consecutively.

Oh, and did I mention that the the first two digits, the Chome and subsection, if you can find them posted on the corner lamppost, are usually written in Kanji? The confusion is not just limited to visitors. That is why maps are frequently printed on advertisements, business cards, and matchbooks.

The advice I read gave two suggestions:

  1. When in Tokyo wear comfortable walking shoes. You’ll need them.
  2. When in Tokyo, maps are your friends

|| Next ->> Tokyo Hotel Reservations - Japanese Style and Inexpensive

Mar 182006
 

--Photo: Honda Fit--Inside Line from Edmunds.com reports that a hybrid version of the Honda Fit may go on sale in the U.S. as soon as next year. This hybrid is supposed to get 80 mpg and costs under $12,000.

Honda already has Accord and Civic hybrids and the groundbreaking Insight, the first gas-electric hybrid car on the U.S. market. If the Fit hybrid does go on sale at under $12,000, that price would sharply undercut the hybrid offerings of Honda’s rival Toyota. The standard gasoline-engined Fit is set to go on sale in the United States later this year.

An 80 mpg car for under $12,000 sounds pretty tempting. I can almost start putting the money aside now and be able to pay cash!

Mar 182006
 

JLP at All Things Financial blog has recently started a series of 24 posts discussing the basics of personal finance. In each post he introduces the topic with a short discussion and then links to related posts by other bloggers.

This is a great place to start your investigation into a broad range of personal finance topics. I am sure I will be posting my thoughts as I read through each of the topics in more detail.

Here are the posts that have been published so far:

Continue reading »

Mar 182006
 

JLP at All Things Financial blog has recently started a series of 24 posts discussing the basics of personal finance. In each post he introduces the topic with a short discussion and then links to related posts by other bloggers.

This is a great place to start your investigation into a broad range of personal finance topics. I am sure I will be posting my thoughts as I read through each of the topics in more detail.

Here are the posts that have been published so far:

Continue reading »

Mar 172006
 

Saturday Night Live announced a unique new program for managing your debt – “Don’t Buy Stuff You Cannot Afford”.

--Photo: Dont Buy Stuff--

The free, 1 page book answers a lot of those tough questions like:

  • What if I want something but I don’t have any money?
  • If I don’t have enough money to buy something, should I buy it anyway?
  • Where do you find “Saved Money”
  • Can I buy stuff I want and then hope that I can pay for it?
  • Shouldn’t you buy stuff before you have the money?
Mar 172006
 

This Sunday morning the call to worship was Question 126 from the Heidelberg Catechism, What does the fifth request of the Lord’s prayer, “Forgive us our debts, as we also have forgiven our debtors,” mean? As the catechism answer was explained I began to think along another tangent (always a problem for me).

I have always read this verse to say, “I must forgive those who have sinned against me IF they ask for forgiveness.” Along with this I also have as part of the definition of “asking for forgiveness” that the person must have true repentance, in other words they must be sincere.

Isn’t this how God’s forgiveness works?

  1. We recognize we are sinners.
  2. We ask for forgiveness.
  3. God forgives us.

Nope, sorry. That may be the popular misconception but God loved his church before the foundation of the world. My forgiveness was secured by Christ’s sacrifice over 2000 years ago – long before my first sin.

So what does that have to do with me forgiving others? Well, nowhere does it say that I only have to forgive those who are truly sorry they wronged me. But how unrepentant would someone be who wronged me 490 times?

Then Peter came up and said to him, “Lord, how often will my brother sin against me, and I forgive him? As many as seven times?” Jesus said to him, “I do not say to you seven times, but seventy times seven.
Matthew 18:21-22 ESV

As a matter of fact Jesus tells us in Matthew 5:44 to

“Love your enemies and pray for those who persecute you”

How much more forgiving can one be be than to love an enemy?

Mar 172006
 

Ever wonder how easy identity theft is? --Photo: Torn-Up Credit Application-- This story is truly incredible. A credit card application from Chase Mastercard was ripped into pieces (see photo) then taped back together. He then filled out the application and even put his parents address and his cell phone on the application instead of the correct info and mailed it in.

You would expect Chase to decline an application that had been torn into tiny pieces then taped together. You would be wrong. You would think that Chase would question an application with a different address and phone number than they have on file. Again you would be wrong.

What did I learn from this? I am going to buy a crosscut shredder for home. I have just been tearing up the personal info on mail I receive. Obviously this is not enough.

The original blog about this is divided into 4 parts but the links are almost hidden by the site design but they are there if you look.

Mar 162006
 

My shared del.icio.us bookmarks from 03-16-2006

  • This extension is derived from the famous extension IE View, but they are quite different. While IE View always open IE-only pages in newly launched windows of Internet Explorer, IE Tab can open them in tabs of Mozilla/Firefox.
  • Foxit Reader is a free reader for PDF (Portable Document Format) documents. You can view and print PDF documents with it.
    (tags: PDF, Windows)
  • Tab Mix Plus enhances Firefox’s tab browsing capabilities. It includes such features as duplicating tabs, controlling tab focus, tab clicking options, undo closed tabs and windows, plus much more. It also includes a full-featured session manager with cras
Mar 152006
 

As I contemplate where to place my Roth IRA money this year, another statement Merriman makes in this article regarding the folly of choosing funds based on past performance alone deserves it’s own post.

Another statement he made is one that I have been pondering lately as I contemplate where to place my Roth IRA money this year:

It’s always easy to identify the best investments of the past and concentrate on them. But nobody can invest retroactively. And there is no risk in the past, because we already know how it turned out.

Surgeon General: Past performance is not a guarantee of future …

past performance not prologue

Get rich slow. Plod. It

Keys: Be smart Be patient

Heard of the investing model called “investment entertainment pricing theory?” (INEPT).