September 2014 Goal Assessment

At the end of last year, I stated that I wanted to pay down ~$34,000 in consumer debt (outside of my mortgage). I am writing today to report on both a level of success and a switch in strategy. How am I faring? In short: decently. I am not currently on track to hit my $34,000 this year. As of today, September 17th, I have ~$16,000 left to go. … [Read more...]

Need More DQYDJ? Here’s a Particularly Minty Interview!

We've done something a bit different today and lifted the veil, if only for a few minutes: Cameron and I recently were interviewed about Don't Quit Your Day Job... by some friends at Mint. So, if you can't get enough DQYDJ (I mean, you're only human) and you want to see how Cameron and I are alike and dissimilar philosophically, go read what we … [Read more...]

FICO is a Corporation

Much has been written about the recent change in the FICO scoring system from both mainstream media and personal finance blogosphere. Using my compelling inside information and incredible subject matter expertise, I can insist that it will not make much of a difference. What?  Huh? First, a little background. Fair Isaac (FICO) is a publicly … [Read more...]

The DQYDJ Weekender, 8/22/2014

Sorry about skipping a week, I've been pretty engrossed in my video card project hosted offsite on Hackaday's project log website.  For those who care, right before the deadline I dropped the mic by presenting the first working prototype. It's not built from scratch in the sense of "first, acquire a shovel, then build a fab"... but I assembled … [Read more...]

Time and Well-Being

Everybody has heard the old adage “Time is money,” but very few have considered what it means in their own lives. Every hour you spend on something could potentially be costing you lost wages, leisure, lost weight (through exercise), skills, hobbies, etc. When taken literally, time is entirely interchangeable with money. Money can buy you time … [Read more...]

No, Millennials Are Not All Believers that Government Can Solve Every Problem

Keeping in mind the belief that the pieces that we most disagree with inspire the best responses, we must react to a recent The Nation article entitled "No, Millennials Are Not All Libertarians".  That article, inverting the mantra that capital-G Government is the best way to solve Intractable Problem X actually turns the genre on its head - … [Read more...]

The DQYDJ Weekender, 7/26/2014

Yes, another fun spam comment! of course like your web-site but you need to check the spelling on quite a few of your posts. Many of them are rife with spelling problems and I to find it very bothersome to tell the truth then again I will surely come again again. I'm sorry my poor spelling bothered your truth telling - but I'm glad you'll come … [Read more...]

How to Double Clock Frequency Using Only Digital Logic

I recently rotated hobbies back to microcontrollers and electrical engineering, and one of the projects I've been working on required a doubling of clock speed from an Arduino Nano, which has an Atmel 328p running at 16 MHz on-board (here's a hint: my target was 25.175 MHz). The challenge?  Well, I wanted to do it only with parts on hand, and … [Read more...]

Dealing with Hobby Purchases… Without an Emergency Fund

A few weeks back in a Weekender, I shared with you a horrible tail of woe. For the second time in two years, I had an issue with a guitar purchase.  Last year, I bought a Les Paul Special... knowing it wasn't a carved top, sure, but expecting the 'Les Paul' signature silk-screened on the headstock like it was in the marketing materials.  This … [Read more...]

Personal Finance is Boring!

Welcome back to our two part series on adjectives. Just kidding. A couple years back, we participated in a few online discussions about whether Personal Finance is a worthy subject for schools to dedicate a course to.  Although we agree that the financial education levels of the typical American are pretty embarrassing, we disagreed with the … [Read more...]