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• Bookkeeping Basics: Not So Basic
• Temptations Wings - Down
• Just made my first Lending Club peer-to-peer loan investment
• Opened a Lending Club account to be a peer-to-peer lender
• Made my Kiva micro-loan for the month of June
• Dead Sea Shorts - The Morning After
• Colossi of Memnon, Temple of Hatshepsut and Valley of the Kings
• Made my Kiva micro-loan for the month of May
• Made my Kiva micro-loan for the month of April

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Bookkeeping Basics: Not So Basic	Top
SCORE 's Bookkeeping Basics for Small Business workshop was on Monday night and I went, not without a bit of trepidation. Bookkeeping means accounting and accounting means math and math and I are like oil and water. Well, maybe not exactly like oil and water: I do try to get along with math. I just don't think the feeling is mutual. I was quickly dumped onto my head when the speaker told us that debits and credits are really the opposite of what we'd always thought they were. The bank tells you they've credited your account when you put money in, and debited it when money is taken out. What I never knew was that this was from the bank 's point of view. So what I've known, or thought I knew, for years is now revealed to me to be entirely backward. Good to start the day. From there we went on to the hideous realm of payroll taxes. As a sole proprietor with no intent to hire anybody else, this didn't apply to me. But I wasn't about to sit there twiddling my thumbs while everyone else worked the example problems. I thought I might just learn something. So I made an attempt to do calculations in my notebook, since I had no calculator (and wasn't quite prepared to try to use my cellphone for such a thing). Math swallowed me up into its murky realm of confusion and frustration, and, though I made only one serious error (a misplaced decimal point), at the end of the exercise I was wondering why I had wasted my time and money on this workshop. "Dude," I wanted to say to the speaker, "I speak three languages, but this is Greek to me." It seemed to me the organisers of this workshop expected the attendees to have some basic working knowledge of bookkeeping or accounting. I know when you run a business you have to keep track of your expenses and your income, and try to keep the latter greater than the former, but all this talk about ledgers and journals and balance sheets and assets thudded into my brain like Play-Doh darts into a wall. It wasn't a total waste, but I didn't get nearly as much out of it as I'd hoped I would. A mention of the IRS' 'hobby rules' by a participant produced a conversation that made me think of an article I read in Writers' Digest years ago about taxes for writers. If you're trying to make any money from a hobby, it's possible (following, of course, the IRS' crazy-ass rules) to declare some things you spend money on as expenses. So I may look into that. I have several creative avenues that may produce money for me at some point (I've already published some articles on Associated Content ), and it could be worth it to check it out. It seems as if I did retain some of what was presented, as I was discussing it with someone today and managed to explain the difference between accrual and cash type accounting. I don't think that will ever be useful to me, but I know lots of things that aren't exactly useful, so what's the harm? Overall, financial stuff makes my head hurt and my soul die just a little. It's one of the most depressing things I can think of. Because in this world if you don't have money, you're sunk. And that's just not a happy thought. Source
Temptations Wings - Down	Top
so went to the bank today to cash my waste management check (took em long enough to send it). as i was driving down there and saw the time (about 1:50ish) i realized this drive at this time was really familiar, use to do it a lot to go to lunch with cari. egh. then i started thinking "watch...im gonna fucking run into her i just know it". so i drive through the woodinville shopping area and just about to take a right onto the road that my bank is on and almost directly across the street is where cari works. sitting at the light music blarring and right as i take a right i notice cari is standing on the far side of the street about to cross. FUCK ME. i cant think that she didnt see me cuz she knows my car and my music was loud as hell. i did a double take and she was kinda looking my direction as i drove off. been pissed off ever since. been talking with bri about this for awhile now. while i was driving around i was debating calling her and txting her and asking if she wanted to go to lunch. mostly to tell her off once and for all. the last time we talked we talked via txts after i dropped her as a friend from facebook (and she freaked out and was hurt...boo fucking hoo....its the damn internet). we talked and some of her texts to me were (tho her words me shit to me.....im suprised how long my phone keeps txts). talking about me not trusting a damn thing she says and talking about wanting to get back togeather somewhere down the road... "I understand....but i meant every word of it. I swear. i dont know why or where we started drifting but is wish i could take it back and change it" "I want to be able to spend time with you again and get your trust back.....Even if it takes a lot of time. But i agree that we cant have a relationship with no trust. Especially with my going to school. It'll be just as hard for me but id rather that and you be in my life then not at all". "I dont know how to do it....but i know its what i want and i think what we need. you are my best friend." "I know its asking a lot and i dont need it to happen right away. just to know you dont hate me and will continue to be in my life is what i need. i cant just drop you from my life." "you ask ill do. you just let me know when ok? even though im the one who screwed up so many times i appreciate you being so patient with me. im sure its hard. but i know i am sorry. i know its my fault. i want to fix it." "I dont want you to hate me, and quite honestly until today I had strong hopes that we could gradually build things back up and get back together. But seeing tha tyou took me off facebook it shot my hopes down." frankly today turned into a shit day after just briefly seeing her. theirs 2 things i want. one of em is to just tell her off. tell her what she did was not being a friend let alone someone that "loved/loves" me. how dare you say im your best friend. i told her so many damn times id rather she open up about EVERYTHING than me being in the dark. i told her id rather be hurt and know whats going on than be in the dark and live a lie that was our relationship. that is all i wanted and i told her that numerous times. and she couldnt do it. i dont want to be friends with someone let alone get back together with someone that will hide things from me. i think of our relationship and i see every other relationship ive been in where i got fucked over. this one was no different. i should have broken up with you the first time you cheated even tho you were honest and told me. I feel like ive wasted 3 years of my life. but their is something else i want even more to be able to trust her. to move with her to spokane. be with her. ask her hand in marriage. raise a family. i cant see loving anyone else yet i cant love her anymore. im being torn apart and part of me just wants to end this by calling her and telling her off once and for all. telling her to delete my number and not to contact me anymore i feel like shit Source
Just made my first Lending Club peer-to-peer loan investment	Top
I just now made my first investment in a peer-to-peer loan ("note") through  Lending Club .   I opened a Lending Club account as an investor (lender) last Wednesday . The initial funding transfer from my bank account (actually my Fidelity brokerage account) completed yesterday. I am starting with a modest $1,000 initial funding and intend to invest $25 in each peer-to-peer loan (called a  note .) That will eventually spread my risk over 40 loans (notes.) After I get at least six months to a year of experience (and depending on my own financial condition) I will consider how much more to invest. A typical Lending Club loan (note) would be in the $5,000 to $25,000 range, so my little $25 is only a small amount of the risk of default for a given loan (note.) The standard Lending Club note is for a 3-year term. I am still a little concerned about the dicey state of the economy and the risk that even people with good jobs today might lose them and default on their debts, so I am currently thinking of investing only a small portion of my funding up front, then a little more over the summer, then some more in the early fall, and maybe the rest as we start to see some economic strengthening and reversal of job losses later in the fall and into early next year. At least that is my initial "plan." I'll probably invest about $100 to $150 upfront just to get some experience with the whole process. That would be small pieces of four to six loans (notes.) I'll probably spread my investments over a range of credit risks, just to see how different risk levels perform and to average up to a higher return. My first investment was for $25 of a $10,000 note intended for credit card refinancing. The loan grade is A5, indicating low-risk. The interest rate will be 9.63%. The borrower works for Best Buy. Their credit score is in the 714-749 range. There are a lot of other credit-related details that Lending Club provides. The note is still "In Funding", indicating that it has another 8 days left in its 14-day funding period. If investors do not buy up the entire note by the end of that period that note will not "close" and our investments will be returned. For my next loan... I guess I'll get it over with and loan somebody money to buy a motorcycle! -- Jack Krupansky Source
Opened a Lending Club account to be a peer-to-peer lender	Top
I just finished opening a Lending Club account as an investor (lender.) This online Web site supports what is called peer-to-peer lending . It lets people like me who have extra money to lend to... other people like me who need money. As the web site says: Lending Club is a social lending network that brings together investors and creditworthy borrowers to offer value beyond traditional bank s. Borrowers with good credit can get personal loans from $1,000 to $25,000 at interest rates that are often significantly better than rates from conventional sources. For lenders, money invested goes immediately to Lending Club's approved borrower members. Most lender members spread their investment across tens or hundreds of qualified borrowers. Notes (that correspond to specific borrower loans) are offered only by means of a prospectus. The next step is to complete the initial funding of my account so that I can start matking loans. I initiated the transfer of funds this morning, but it may not complete until next Tuesday. My expectation is that I will be able to make some initial loans in a week. I am starting out with $1,000. I still need to do some more reading and strategizing, but I expect that I will spread my risk by only contributing $25 to each loan. That would give me 40 loans initially. Also, I may only commit half or even a third of my money at the beginning and wait a few months to see how things play out. A typical loan might be in the $5,000 to $15,000 range with an interest rate in the 9% to 13% range, based on the grade of the loan. A lot of credit background information is available for each "note" (loan), including income and credit score range and loan "grade", so a decision can be made based on verified facts and risk. Unlike Kiva which is great as a non-profit charity for helping the working poor around the world, Lending Club actually permits me to make a decent profit from my lending. I do have a fair amount of concern about lending in the current economic climate. Even if somebody has a great job today, they might lose it by the end of the day. I might in fact decide to defer most of my lending until later in the summer just to minimize the chance of lending too much to tomorrow's unemployed. -- Jack Krupansky Source
Made my Kiva micro-loan for the month of June	Top
I made a new micro-loan through Kiva for the month of June. My intention is to make a new micro-loan every month, in large part from repayments for past micro-loans. This one was for a group of 18 micro-entrepreneurs in Tanzania who are making furniture. It is a 6-month micro-loan for a total of $4,550, of which I lent $25. The money is to be used to buy leather, cloth for sofas, and varnish for wood. Its first repayment is scheduled for August 2009. The micro-loan was already disbursed to the micro-entrepreneur group on May 27, 2009 by the local partner. Kiva is raising funds to essentially buy that loan from the local partner. Here is my Kiva public lender page : http://www.kiva.org/lender/JackKrupansky Note: This is all real and good, but these micro-loans do not net any interest to us micro-lenders. Kiva's fine print: Lending to the working poor through Kiva involves risk of principal loss. Kiva does not guarantee repayment nor do we offer a financial return on your loan. Still, at least we know our money is really helping somebody better their lives in a visible way rather than put the money in a bank account or money market fund where who knows what it helps to pay for or what good it does and for only a few pennies of profit in our pockets. -- Jack Krupansky Source
Dead Sea Shorts - The Morning After	Top
Dead Sea Shorts. Wore these while floating in the dead sea Thursday evening. Shot is taken the next morning about 12 hours later. They have enough Dead Sea minerals in them that they stand up on their own. Can you tell I'm facinated by this body of water. Simply one of the most fantatic places on the planet earth. From Wikipedia : The Dead Sea (Hebrew: יָם הַ‏‏מֶ‏ּ‏לַ‏ח‎, Yām Ha-Melaḥ, "Sea of Salt"; Arabic: البَحْر المَيّت‎, al-Baḥr El-Mayyit, "Dead Sea";) is a salt lake between Israel and the West to the west, and Jordan to the east. It is 422 metres (1,385 ft) below sea level,[2] and its shores are the lowest point on the surface of Earth on dry land. The Dead Sea is 378 m (1,240 ft) deep, the deepest hypersaline lake in the world. It is also one of the world's saltiest bodies of water, with 33.7% salinity. Only Lake Assal (Djibouti), Garabogazköl and some hypersaline lakes of the McMurdo Dry Valleys in Antarctica (such as Don Juan Pond and perhaps Lake Vanda) have a higher salinity. It is 8.6 times as salty as the ocean.[3] This salinity makes for a harsh environment where animals cannot flourish, hence its name. The Dead Sea is 67 kilometres (42 mi) long and 18 kilometres (11 mi) wide at its widest point. It lies in the Jordan Rift Valley, and its main tributary is the Jordan River. Source
Colossi of Memnon, Temple of Hatshepsut and Valley of the Kings	Top
Visited several sites on the west bank of the Nile, near Luxor including Colossi of Memnon, Temple of Hatshepsut and Valley of the Kings (where king tut and 63 other tombs have been found - so far). They think there are are likely more tombs since there were twice as many kings, but so far no more have been found. Entered 3 different tombs. No photos of inside of tombs as it's not allowed. luxor west bank   May 23, 2009   photos: 10 Source
Made my Kiva micro-loan for the month of May	Top
I made a new micro-loan through Kiva for the month of May. My intention is to make a new micro-loan every month, in large part from repayments for past micro-loans. This one was for a weaver in Guatemala who makes women's clothes. It is a 14-month micro-loan for a total of $300, of which I lent $25. Its first repayment is scheduled for July 2009. The micro-loan was already disbursed to the micro-entrepreneur on April 24, 2009 by the local partner. Kiva is raising funds to essentially buy that loan from the local partner. Here is my Kiva public lender page : http://www.kiva.org/lender/JackKrupansky Note: This is all real and good, but these micro-loans do not net any interest to us micro-lenders. Kiva's fine print: Lending to the working poor through Kiva involves risk of principal loss. Kiva does not guarantee repayment nor do we offer a financial return on your loan. Still, at least we know our money is really helping somebody better their lives in a visible way rather than put the money in a bank account or money market fund where who knows what it helps to pay for or what good it does and for only a few pennies of profit in our pockets. -- Jack Krupansky Source
Made my Kiva micro-loan for the month of April	Top
I made a new micro-loan through Kiva for the month of April. My intention is to make a new micro-loan every month, in large part from repayments for past micro-loans. This one was for a man and his wife who has been selling toys and children's clothes in Mongolia for eight years now, to expand their business. It is a 26-month micro-loan for a total of $1,150, of which I lent $25. Its first repayment is scheduled for June 2009. The micro-loan was already disbursed to them on March 30, 2009 by the local partner. Kiva is raising funds to essentially buy that loan from the local partner. Here is my Kiva public lender page : http://www.kiva.org/lender/JackKrupansky Note: This is all real and good, but these micro-loans do not net any interest to us micro-lenders. Kiva's fine print: Lending to the working poor through Kiva involves risk of principal loss. Kiva does not guarantee repayment nor do we offer a financial return on your loan. Still, at least we know our money is really helping somebody better their lives in a visible way rather than put the money in a bank account or money market fund where who knows what it helps to pay for or what good it does and for only a few pennies of profit in our pockets. -- Jack Krupansky Source

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