chasing after wind

better one handful with tranquility than two handfuls with toil and chasing after the wind

Ecclesiastes 4: 6 (NIV)

I listen to an investment talk show on the radio Saturday mornings while driving home from my prayer-hike in the Mission Trails Park (San Diego, CA). The hosts were commenting that the House (Congress) has recently approved changing working Americans retirement savings programs (the SECURE act) to help people who put little to no money aside for their “old age”. The radio show’s hosts were remarking how consumer debt is growing again, and with workers left to voluntarily invest in company 401K plans, IRAs (Individual Retirement Accounts) and funding emergency savings ( e.g. six months of expenses), fewer than four in ten are setting money aside. With consumerism driving cycles of economic growth followed by downturns, unemployment, and bankruptcies since the 1970s, are we headed there again?

Perhaps it is one of the failures of a developed nation that savings and prudent investment is not taught in the K – 12 grades nor in colleges. And young adults, free of parental guidance, are heavily marketed to obtain credit and jump into the consumer lifestyle. After September 11th, our youth grew up with continual exposure to negative future images – homelessness, refugees, terrorist attacks at home and abroad, a bleak economic outlook, and hostility toward “traditional values”. It seems almost forgivable that young people are seeking to have it “now” rather than later.

For the last of the Baby Boomers, for Generation X, and Millennials, the promises of Government, particularly those seeking public office by positioning themselves as champions of the disadvantaged, should sound like a broken record of the past cycles. For those between thirty and sixty years of age, the financial missteps of the past should have served as a lesson to improve one’s financial security. Into one’s Forties, obtaining a trade or marketable skill (regardless of one’s “passion”) can still provide for one’s retirement. The traditional “invaluable employee” mentality should improve wages. If wage or employment benefits stagnate, different employment has been increasingly available.

Like Solomon four thousand years ago expressed, seeking to keep up with the consumerism of one’s neighbors, rather than living prudently leads to “chasing after wind”. Delaying gratification, investing prudently, living within one’s means, and looking to your own welfare instead of the Government’s plans for you, leads to a golden “old age”.

the value of you

Too many people spend money they earned..to buy things they don’t want..to impress people that they don’t like. —Will Rogers

https://www.forbes.com/sites/robertberger/2014/04/30/top-100-money-quotes-of-all-time/#7be817564998

Talking with another entrepreneurial co-worker my age, most working people are in one of two situations. Either there is not sufficient income to meet needs like housing, transportation, medical coverage, and school-age children’s support, or the opposite extreme, too little income to pay for the ego-boosting debts of expensive homes, cars, boats, entertainment and $1000 IPhones.

But there is a third option. Establishing a plan (earlier in adult life, the better) that develops skills and experience with a disciplined savings and investment strategy. Some reputable standout entrepreneurs I know began that way; building a great reputation among friends, employers, customers and peers, they had entrepreneurial ambitions, and were willing to risk failure.

Try not to become a man of success, but rather try to become a man of value. Albert Einstein

https://www.brainyquote.com/quotes/albert_einstein_131187

In our industrial society, age instead of financial stability, is a commonly-held benchmark for “retirement”. Instead, I support the notion that a disciplined approach to provide that stability at a self-determined age is the foundation. And an entrepreneurial venture providing a valued service, personal challenge and some material reward, is a valued “retirement”.

Wealth consists not in having great possessions, but in having few wants. —Epictetus

https://www.forbes.com/sites/robertberger/2014/04/30/top-100-money-quotes-of-all-time/#7be817564998

heroes

When your time comes to die, be not like those whose hearts are filled with fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song, and die like a hero going home. Tecumseh

https://www.brainyquote.com/authors/tecumseh

Judging from reports that superhero movies generate billions of dollars of sales around the world, people hunger for heroes, heroic actions, and feel-good-that-bad-guys-lose stories. As much as I loved watching the Avengers MCU franchise, I do not think of the big green guy, an Asgardian with a big hammer, or an Elon Musk -on-steroids, Iron Man, when I picture a “hero”.

Kendrick Castillo

A hero is the eighteen year old Kendrick Castillo who charged the murderous punks at the STEM school in Colorado, protecting his classmates at the sacrifice of his life. Let’s not forget his classmates, Jackson Gregory and Lucas Albertoni, who also rushed the shooters. I would hope the media and history books will immortalize them and not dwell on the perpetrators. It is that latter attention that inspires damaged people to commit other heinous crimes.

Oscar Stewart

Dwell instead on those like Oscar Stewart, the Army veteran attending services who instinctively chased after the murdering coward in the Chabad synagogue in Poway, California. Honor also Lori Kaye who died defending her rabbi. They wore no armor, and doubtless, had any plans to defend their fellow worshippers that day from a hail of bullets.

A superhero is someone who, at some point or in some way, inspires hope or is the enemy of cynicism. Mark Waid Read

https://www.brainyquote.com/quotes/mark_waid_828583
Lori Kaye

In a world that is always at the mercy of violent men (and women), we can be forgiven for indulging in fantasy where evil may triumph for a time. Thankfully, fictional heroes figure out a way to defeat it and save the universe.

In tragedy, unlikely people emerge as heroes, defending family, friends or strangers from evildoers. In troubled times, there is always a need for heroes, but not magic stones to combat wrongs.

hot water

An experienced mariner knows most basic principle of seamanship: keep the water outside the skin of the ship. But what if you want water, for your health and convenience, inside a ship? Before modern systems aboard ship made potable water from seawater, sailors had to carry sufficient drinking water with them. Sailors rarely bathed. In the later years of sailing ships, mariners learned that cold water bathing, and clean clothes would prevent communicable disease, and foul odors (germs). Modern systems on larger vessels supply clean water for everything from cooling equipment to supplying sailors with drinking water and for food preparation. As an added personal benefit: hot water for showers.

Living ashore since retiring from the sea service, I have not had to go without clean clothes, nor without hot water for ages. This week our home water heater failed and for two days we were braving cool showers. Calling out a plumbing company – one who installed my unit happened to be a former Navy HT – was a smart move. I would have been out of my depth (pardon the pun) there.

With an older home, lots of unforeseen costs for safety systems raised the price and the complexity of the job. My wife and I opted for a better, “greener”, and only a little more expensive longer-term solution. A tankless system instead of an old technology- and shorter lived one. With other required modifications for federal, state, and local regulations, the cost had us briefly thinking, is cold water really all that horrible? But with my restless dreams about work in recent weeks, I never want to have nightmares about flooding -while at work – soothed by cold water showers!

military community service

service to the poor among us


The best way to find yourself is to lose yourself in the service of others. Mahatma Gandhi

https://www.brainyquote.com/quotes/mahatma_gandhi_150725

As a member of a group of community-minded veterans, a calling grows louder in my ears the older I have become. Give back to the military community; be hospitable, and serve them and their families when they have need. During the Navy CPO “transition” season, veterans and civilians making a donation while getting a vehicle washed supports the new CPOs in training. A summer “Christmas party” for returning Marines and their families, encourages those who were deployed away from home during the holidays. Donations to military service organizations, participating in letter-writing campaigns on military -related issues, and in contributing to veteran-assistance projects at events sponsored by my employer all serve to help. In this blog, we find and highlight some of the “veterans-helping-veterans” support projects, enterprising ideas about self-employment, and share good news.

One of the community service programs I have yet to blog about, is the “Homeless Brigade”; members of my church congregation formed an outreach group to serve the homeless in San Diego county several years ago. Military veterans make up a significant percentage of the homeless in America; while showing kindness to the homeless, one often shows kindness to the veteran. Service is not just a “mission statement” however among those I worship with. The five congregations or “regions” of our San Diego church work in concert with a national and international fellowship of churches and a United Nations-recognized charitable organization.


I pray to be a good servant to God, a father, a husband, a son, a friend, a brother, an uncle, a good neighbor, a good leader to those who look up to me, a good follower to those who are serving God and doing the right thing. Mark Wahlberg

https://www.brainyquote.com/quotes/mark_wahlberg_471100

serving current service members in our community

Called to model the ministry and compassion of Jesus Christ, some among our veteran community in my congregation have dedicated years to encouraging the poor and homeless. Inspiring younger church volunteers, who then made the mission their calling, our veteran community started a new campaign of service: practice hospitality serving Active Duty service members and their families on the military bases\units\ships where our members serve and work . Now we are organizing a day of fun, competition and barbecue at one of the San Diego beaches this summer. Perhaps this will lead to more opportunities to encourage young military men and women. They have dedicated their time, comfort, and often, safety, in service to the nation. Perhaps we will inspire them.


The Bible tells us that there are some things worth fighting for. In fact, the Bible says there’s some things worth dying for. Rick Warren

https://www.brainyquote.com/quotes/rick_warren_456858

enterprising observations

A woman who has been running a business for some time offered me some insight tonight. In the military, particularly as an enlisted person, there is a tendency to wait to be “told” what to do next; to follow a “plan of the day” and be somewhat inflexible. While carrying out the “mission” that someone else lays out may be one aspect of a past military career, other experiences may be valuable to an entrepreneur. Overcoming the odds. Quick analysis and problem-solving in highly stressful situations. Seeing past all the bureaucracy to zero in on the objective. Developing camaraderie with team mates while also being very disciplined and accountable.

For someone who has equal ambition to that enlisted person. the lack of such boundaries, may be somewhat a blessing. In your own business, there are many things to learn and to adapt to, including not only the processes that are required just to set up a business legally. There is a need to learn marketing; developing a keen eye and skilled listening – not simply ‘pitching’ – to solving others problem, is probably that most important aspect.

And getting advice and mentoring from a neutral business expert or experts on an ongoing basis really helps. To which I also understand, interpreting a particularly resonating bible lesson tonight, an enterprise may not be without pitfalls, but as long as one trusts in God and perseveres, it will either succeed or be a lesson for future success.

Finding a niche

Doing research yesterday for a business venture, I stumbled upon an idea that may have some merit as an opportunity.

Taking out all the politics of immigration, in California as elsewhere, there are many people who seek employment with rudimentary skills in English if any at all. And some find opportunities to get skilled training for in-demand jobs. Assuming that people are legal residents when seeking job training or employment, what avenues are there for people, entry-level, working people to become functional in the so-called ‘native tongue’?

I witnessed people struggling with written English. While I know that many high school graduates in the United States, even college-bound Seniors, struggle with grammar and vocabulary, it is even more dire for the adult-learner who is foreign-born.

And thus, there is a demand for Teachers of English as a Second Language. And particularly teaching for jobs with a technical jargon that is difficult to grasp. The next step is to determine the investment necessary to find others with the necessary skill, certification, or degree. And then to do a costs-benefits analysis for your enterprise.

first lessons:

a business mindset

I tried and failed at business ventures three times before. With a couple years of technical training, I tried earning a second income as a small appliance and home electronics repairman. It was cheaper to buy new than repair “old”. The next venture was selling solar-heated hot water systems. People could just as easily put garden hoses on their roof (it was southern Arizona) and save the expense of a metal system up there. And then, last year, I saw how my father-in-law’s young relative was making six figures in a health-focused business. She has Amazon- and Facebook- founders-level intensity which produces her ongoing results (building over the past 8 years). I was not interested, youth-focused, or charismatic enough to do what it takes. My prior ventures were great personally, just not rewarding financially for me.

Photo by Pixabay on Pexels.com

the importance of a “niche”

This year, my wife and I found a “niche” business. A “niche” is a product or service need, that is not widely available, nor really has much awareness outside of the profession. But is necessary nonetheless. With a lot of support, name recognition, and professional experience, my wife one evening reported to me that a business opportunity was offered to her – that she wanted to do. This was due to pending retirement of the principal operators in the niche market. The business requires unimpeachable ethics, scrupulous attention to detail, military-like precision with clients and retaining or bringing on skilled employees (or contractors).

do not quit your “day job”

A mistake of many new entrepreneurs, is to launch a business enterprise with little financial resources. They then have few options when mistakes are made or customers are slow to provide payment. Then there is even more emotional and physical stress learning the “do’s” and the “don’t”s of operating a business. In just the few weeks after initially deciding to engage in this business, the guts required to seriously and diligently apply ourselves to learning,- particularly with family and job requirements always keeping you busy, is challenging.

In the United States, working for yourself, with the intent to make a profit – to separate your enterprise from what the taxman (the IRS) would label a “hobby” – requires record-keeping, talent, and effort. Depending on the venture, every business has local, state and federal tax statutes regarding individual, partnership, and incorporation to stay within the law. Similarly, there are permits, licenses, and fees with all the aforementioned, to conduct business.

With certain businesses, providing products or services, there are many regulations, certifications, and insurance to purchase and renew yearly. While trying to classify whether there were workers considered by statute as employees to consider, we need general business and professional liability insurance. And probably, workmen’s compensation insurance: California is very strict on business operations. If you are still determined, you have done homework on your competition in the niche market, and calculated the profit versus expense projections before the first customer dollar is received – there is one consideration you may miss. You may find that your business needs to be funded almost entirely from your own “primary” income for a time. One of the first “rules” I have learned is to avoid going into debt while learning the “ropes”. Do not quit your day job before it sustains you.

seeking advice from experienced mentors

Photo by Pixabay on Pexels.com

I have only just started to explore the business banking relationships we will need for our venture. We will explore and weigh options on credit, payment processing, and loans. Similarly, I have only attended one seminar run by the small business education group, SCORE, (there are chapters in most communities) taught by people with decades of experience in all aspects of business. But for the entrepreneur, anywhere you find someone to help with the pitfalls to avoid, is great. One can then make all new mistakes to learn and develop as a business person.

your “why” has to be bigger than your fear

Photo by rawpixel.com on Pexels.com

After a career in the military, another in private industry, and still looking for challenge (and change), our own business will prove to be well worth it. After many years of doing without asking why and making someone else’s careers and dreams possible, you also can make your dreams, as well as those of your clients, become reality. But it takes ethics, drive, humility, implementing what others can teach and eagerness to keep pressing on to the goal.

hiking veterans

Wearing a “veteran” ballcap starts conversations.

Lord’s soldier

The “San Diego Chargers” jersey worn by a twenty-something man I met near the summit of Angel’s Landing trail prompted me to ask whether he was a Los Angeles -based fan or one from San Diego. From Temecula, Californi, he and his buddies were up in Zion for a “men’s retreat”; among the faith community, that is “code” for a spiritual bonding time. We talked about our respective churches and our military service. As a Navy veteran, he asked me whether I had been to the Philippines; his father had joined the Navy from there. Eugene was an Army veteran. I told him about my son, an Army veteran. Eugene knew Fort Bragg. He and my son, were sort of, but not quite, following in each respective fathers’ footsteps. One of his companions was a veteran of the Iraq war. Both were now college students. As we talked, I encouraged him to endure the bureaucracy of the VA medical evaluation process (he had gone once and was discouraged by the red tape) to get service-connected injuries treated – or compensated. Being young men of faith as well as warriors, these newly encountered Brothers encouraged me. Like me, though my friends and several dozen people attempted the narrow and very physically-demanding ascent to the “Landing”, I knew these guys had nothing to prove to themselves. Military services do the difficult every day. The impossible generally takes just a bit longer.

DOD recorder

There weren’t but one or two available seats on the crowded shuttle bus from the Temple of Sinawawa stop in Zion National Park. It was a thirty-minute ride back to the parking lot. Looking tired and a little irritated, the large man ( solid, not stocky) squeezed into the last available seat, directly across from me. He looked at my ballcap and thanked me for my service. We chatted. He was taking in Zion while his wife was at some military event in San Diego. He is a civilian archivist for the DOD, which lead to talking about history, this blog, and travel. Apparently, Lake Powell should be on my “bucket list”. One of the things that all this military reminiscing lead to was to get some coffee prior to starting back to the hotel in St. George.

View of the Virgin River in Zion NP. Angel’s Landing trail.
Though some start, few finish the ascent to the very top

“Airdale” trucker

Tomahawk night launch, Red Sea, 1993

On Saturday morning, the motel cafe was busy. All eight little tables were occupied. At one table, a man about my age wore a Desert Storm veteran ballcap. I asked him what service, and he responded Navy. I was also a Desert Storm veteran. He offered me a seat. Mike had been an Navy “airdale”, the Navy nickname for a member of the aviation support community. An aviation ordnance technician, he served a carrier airwing in the Persian Gulf during the conflict. We chuckled about engineers who design but never actually tried to use some things in aircraft he worked on; trying to remove an assembly where you could neither lay flat or reach overhead comfortably, but in one case having to crouch the whole time removing it. My companion, a retired DOD engineer, feigned dismay. A couple of comments he made, however, suggested he was a little more ‘dismayed’ than he let on. The trucker at the table across from us was also a military veteran, though from the prior conflict. As Mike and I chatted about the Navy, missed advancement opportunities (if only those darn Master Chiefs would retire so others could move up the career ladder!), and life after the military, the more I got to thinking how a community, a brotherhood, sisterhood, or more accurately – a large extended family one can meet all over the country.

Community. Often it starts with a ballcap, a veteran-themed t-shirt, or other, and an interest in getting to know someone.

club for erudite Old Salts

A Thursday evening discussion with an acquaintance over cigars, as retired Navy Chiefs, we were amicably discussing the Navy “salty” life, adventure, and places familiar to each of us around the world. With a lifetime of experience including travel to the same parts of former Soviet bloc countries, we then opined on 21st Century socialist nations. While rigid politically, some tacitly approve of workers ‘capitalist’ use of an underground economy to support their families. He illustrated discussing the merits of fine Cuban cigars he obtained. Skilled cigar rollers have access to tobacco, paper and other accessories to make – after the day’s production was completed and inventoried – some personal cigars to provide under-the-table income. He learned of accessing such side channels during global business travel. And tonight, the ‘entrepreneurial’ wheels in my mind started turning. In a Progressive future, there will always be those who obtain – and those who will then purchase – a premier cigar.

lies, damn lies and politics

I started to think about Mark Twain this week, how I am at the same age when he began writing some of his most biting satire about politics, religious hypocrisy, bigotry and the nature of people.
Whatever he was as a critic of Government, he always believed in supporting the nation and his writing made people think. While I still see the fundamental good in people and role of a loving God to help change flawed humanity, I am sorely disappointed by and feel a powerless spectator to, the downward spiral caused by politics and politicians. What can a journalist do?

expose arrogance of power

A Senator chastised schoolchildren visiting the Congress who urged her to support legislation proposed by a ‘socialist’ Freshman Congressman and one of her colleagues. It could have been a moment to explain that legislation needs to be carefully studied as to the impact on the governed. But she would not be dictated to. In prior years, letters I sent her as a constituent in the Senator’s district, specifically urging support for issues she opposes, generated form-letter responses. A one-time Political Science graduate, I am angry that important issues are not often acted upon by our elected representatives. Increasingly, actions are opposed ideologically, becoming a test of wills between Legislature members and the Executive Branch. While many support “Progressive”national politics and condemn “capitalists” or “conservatives”, there are no substantive debates of the merits and the failings of policies, but often incoherent and confusing ‘sound bites’.

highlight ethical and unethical governance

Government agencies specifically charged with protecting the safety and sanctity of the nation’s citizens respond instead to political power brokers, lobbyists and vocal opponents of the nation’s fundamental principles. Elected representatives and un-elected bureaucrats refuse to operate on Constitutional and nationally-unifying principles, but at other times defend their positions using the same principles they previously refuted. Most unsettling, is that some politicians will use the formerly apolitical agencies of Government to investigate opponents or enhance political agendas, and when opposed, conclude that the victorious majority must either be “deplorable” and bigoted, clinging to outmoded ideas and philosophies, or have colluded with extra-national agents.

train people to “think” and debate

Public education over fifty years has steadily replaced literature, debate, and ‘controversial’, i.e. unpopular, topics like physical education, wood shop, and trades-based career preparation, for gender and sexual identity accommodation, activism, and uniformity. Children who are raised to question classroom stances on topics that contravene their parents beliefs (prayer, football, ‘binary’ genders, or other ‘conservative’-supported subjects) are subject to administrative penalties and peer abuse. Colleges, once institutions that provided the foundations for an educated population in everything from arts to zoology, produce impoverished liberal service-industry workers with billions of dollars in student loan-indebtedness. But teachers, professors, and college coaches have wealth and comfort regardless of student success.

expose incompetence and waste

Local and state government may demand revenue (taxes and ‘fees’) for actions that do not materially benefits those taxed. Transportation projects that incur billions in wasted dollars for “trains to nowhere”. Bureaucrats demand ‘carbon credits’ exchanged those who use personal transportation to go to work. They charge higher fees for delivering power and water to residents, due at first to ‘climate change’ which others perceive historically as periodic drought. But then the government raises fees when residents conserve too much. In the intervening years, there are no projects to collect additional water or energy.

Courts rule against voter-supported legislation that a minority oppose. Or they issue injunctions that increase the cost and delivery time of a particular resource for years. Politicians and bureaucrats deliberately obstruct law enforcement officers, both state and federal, when executing their duties. Others release dangerous criminals into the community based on alleged racial bias at sentencing, only to have them offend and be re-incarcerated.

journalism: be not a tool of politics

What, if anything, can journalists do to help expose the failures of politics and Government? Ideally, journalists are the agents of the governed, investigating and exposing fraud, incompetence, and abuse of power. Journalists must elevate their craft, to withhold biases and favoritism toward a politician, an ideology, or ‘sacred’ conclusions, and report everything that may support or refute the subject. Of course, the twenty-four hour media business is a profit-driven business, and ego, power, and prestige are just as driving influences for journalists as is determining fact from fiction. When actors create false scenarios, or others rush to attack (like the MAGA hat student and the native American) that became widespread calls for violence and condemnation, the lack of proper investigation fortunately only resulted in embarrassment and lack of journalistic credibility. It may still result in a civil judgement in favor of a maligned victim. Journalism as the vanguard of the public suffer a loss of integrity in reaching conclusions before investigating the facts.

use of Mark Twain’s image: no copyright infringement is intended

“Lies, damn lies, and statistics”, popularized by Mark Twain, was his restatement of the quote by the Nineteenth Century English Parliamentarian, Benjamin Disraeli