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It's an All-You-Can-Eat Digital World

Buffet One of my family's favorite restaurants is the Golden Corral; a restaurant chain famous for bringing new meaning to the traditional "All-You Can-Eat" concept.  From salads to sushi, there is nothing one would want for. We enter with hunger, excitement, and anticipation to sample all the new tastes and flavors. Unfortunately, we leave the experience miserable, overstuffed, and frustrated that we did not make wiser choices. So...what does my family's eating habits have to do with digital citizenship?

Every time I enter cyberspace, I feel like I am at the Golden Corral. As I log onto my computer, the same hunger and excitement enters my gut.  In this digital smorgasbord, there are endless
tools, applications, and resources to choose from. It is easy to get overstuffed, but digital natives know this: No matter how great (or FREE) the eats, you gotta know when to say enough is enough!

So, here is my lesson for the day (The teacher in me, never goes away). I present my rules for staying happy and healthy as you enjoy the smorgasbord of the Digital World:

  1. Grab a small plate: It is important to start VERY small. I know it is tempting with so many scrumptious choices of tools and tricks, but less is better.
  2. Select your Entree: What tool or application is your staple for staying connected. Is Blogs, Twitter, Linkedin? This should be your primary nutrient.
  3. Choose one or two side dishes: These tools are important additions to the main entree. They should enhance but not overtake the meal.
  4. Let's not forget dessert!: It's okay to treat yourself. There are so many free tools that may not extend your business or enhance your personal networking capabilities, but man they are sure fun! Indulge, enjoy, and explore, but do so in moderation. Too much of a good thing, is still too much!

Here's what my digital plate consists of:

My main entree: Of course, my blog and blog networks
My two favorite sides: Twitter and StumbleUpon
For Dessert: This tool is a researcher's dream!  I LOVE SearchMe; an incredible visual searching tool. It makes searching and researching as sweet as a piece of chocolate!

Like any good meal, everyone can chose what to put on their plates. Think carefully about what will most satisfy and sustain you. For me, I think I have found a perfect balance. Are you ready to dig in?  Bon Apetite, my friends! 

I Learn From You

I wrote this a couple of years ago, but it captures the essence of digital-dave-learning...I learn from you.

The Yellow Brick Road

....Another Six Degrees of Blogging Adventure.

Today's journey will be magical, mystical and liberating.  First, I need to instill a thought about our preferred method of travel and then quickly instill a more dominant one.Dorothy_slippers_1

Do you remember how Dorothy returned to Kansas?  Ok, hold that thought.  Because I can no more wear women's apparel than drink a glass of battery acid, we must overlay the visual of soft, worn and comfortable red leather cowboy boots onto the screen.  Whew!  I feel much better.

Other than early Clint Eastwood movies, no movie has touched my heart over the years more than The Wizard of Oz.Red_cowboy_boots  It has provided so many personal metaphors and has been such a source of inspiration that, "Oz is the Yellow Brick Road," became the mantra for the journey of my life.  So, come along with Toto, Dorothy and I and lets explore the Yellow Brick Road.

Man on the Silver Mountain by Rainbow is playing on our iPod as we click our boot heels three times. There's no place like home, there's no place like home, there's no place like home.

Fog lifts from the yellow cobblestone and a gentleman appears.  "Welcome to the Nest!" Tony Clark greets us with warm enthusiasm.  He then asks, "Why Settle for Just One Path?" This question and the ensuing conversation captures my attention and holds me spellbound.  Toto's ears perk.  I thought I was the only person in the world who could not zero in on a clear understanding of passion and work!!  Toto nods.  There's no place like home, there's no place like home, there's no place like home.

Ronnie James Dio belts out Catch The Rainbow, rainbow, rainbow... on the iPod as Chris Cree talks about work and passion.  "I’ve been doing quite a bit of introspection these days. It’s not that I’m narcissistic or anything. I just keep hearing folks say over and over again that you will be most successful career wise if you work where your passion is." Yep brother, I hear that too!  Chris mentions that we should check out another Chris.  There's no place like home, there's no place like home, there's no place like home...

A bit further down the road and we meet Chris Johnston from Chris's Blog.  Chris relays the question, "Is this job for the money or does it give them fulfillment in life?" Chris is actually referring to Noah  Kagan's post at Okdork.com, The Paycheck vs. The Life. The discussion that follows this post is quite lively.  There's no place like home, there's no place like home, there's no place like home...

..." Danger, danger the Queen's about to kill
There's a stranger, stranger and life about to spill.
.."  more iPod, more Rainbow, more Yellow Brick Road.  ..."Therefore, by virtue of the authority vested in me by the Universitartus Committiartum E Pluribus Unum, I hereby...change directions."  We can do that in cyberspace, really, we can.Yellow_brick_road_1 I can't seem to continue via links with the passion/work discussion so I throw out a few sandbags and change course.  Chris tells us about Elli and Elli tells us about freedom and inspiration.  Elli gazes down at Toto and then back at us, "you guys need to see Kevin Kelly's Cool Tools." I'm thinking that Dorothy has seen it all but she humors me.  There's no place like home, there's no place like home, there's no place like home.

Ritchie B jams on Cold Hearted Woman as we read Kevin's post - Consensus Web Filters.  Kevin, who was the founding executive editor of Wired has a very interesting site and it is well worth spending some time exploring.  The connection to Wired magazine strikes a chord of ironee today.  I just started reading Chris Anderson's The Long Tail this morning.  Chris is the editor in chief of Wired.  Toto notices my expression and barks, "you're not in Kansas anymore David."  There's no place like home, there's no place like home, there's no place like home.Flying_monkeys

The three of us swirl round in circles through cyberspace.  Cows, barns and flying monkeys pass us by.  (Didn't those flying monkeys creep you out?)  The iPod is gone but music begins to fill the cloudscape.  Jimi Hendrix picks a few strings as Judy Garland eases into Somewhere Over the Rainbow.  Dorothy smiles.  Tota barks.  I cry. Judy and Jimi are beautiful man.  My soul lifts as we descend.  We are back on The Yellow Brick Road, right where it intersects with Rt. 66.  Christine Kane stands there holding her guitar.  She looks at Dorothy eyes wide open. They start to talk.  I start to walk down the Road.  Toto follows me.

Jimi...Judy?

"Somewhere over the rainbow
  Way up high,
  There's a land that I heard of
  Once in a lullaby.  

Somewhere over the rainbow
  Skies are blue,
  And the dreams that you dare to dream
  Really do come true.

  Someday I'll wish upon a star

  And wake up where the clouds are far
  Behind me.
  Where troubles melt like lemon drops
  Away above the chimney tops
  That's where you'll find me.

Somewhere over the rainbow

  Bluebirds fly.
  Birds fly over the rainbow.
  Why then, oh why can't I?

  If happy little bluebirds fly

  Beyond the rainbow
  Why, oh why can't I?"

Dave Rothacker

Our ALAWB2008 Audiobook Winners Announced!

Alawb_08_button I am sorry to be so terribly late with this!

I was so excited about our Digital Learning theme in April that I almost forgot about awarding our audio book prizes to to the reviewers who participated in A Love Affair with Books for 2008!

The drawing was done in the old-fashioned, yet reliably fair way of putting all our guest reviewers names in a hat, once for each book they reviewed, with my hubby doing the drawing honors.

Drum roll please!

And our winners are... in the order in which their names were drawn:

  1. Karen Wallace
  2. David Zinger
  3. Ben Whitehouse
  4. Dwayne Melancon
  5. Kevin Eikenberry

To our winners :) Go to Audible.com and choose any book you like, whether we had reviewed it here during ALAWB or a totally different one. Then let me know of your selection via our community mailbox and I shall send you a link for your download.

Collage2

Ho‘omaika‘i ‘ana – Congratulations!

Once again, mahalo nui loa to all our guest reviewers, and keep reading!
~ Rosa Say
as your managing editor,
Joyful Jubilant Learning

We are the Digital World -- Rapid Fire Learning for April

Digital technology has had an enormous impact on my life.

The year the Hollandale Christian School (K-8) got their first computer remains etched in my mind. I remember how it made me feel to sit in front of that monitor--I was smitten.

At that tender age, I discovered a medium which would allow me to safely explore who I was and finally--about 20 years later--I began that journey.

Today, global connectivity is at an all time high and our definition of collaboration, ownership, community and  'how impersonal the web is' are constantly being redrawn. The sun doesn't set without someone reaching out to another human being through evolving channels to once again change the game.

These things have such a profound effect on my life I've struggled with how to share them with you. I struggle because I think many people miss the fact that we are everything we create. We are the digital machine. We learn and grow through our creations and go on to create more. There is no separation.

  • The Youtube Video above is about Web 2.0 and how we are a part of it. We are the 'machine', we teach the machine and we learn from it.

I think this puts a great deal of the communities, interactivity and collaboration into an entirely new perspective. It's no longer about how authentic a conversation is--the question is, how will it change and redefine the future? OR will it at all?

I don't know about you but it excites me to think about the innovations we will see in all areas of the online conversation-space.

  • Tod Machover and Dan Ellsey @ TED - Machover of MIT's Media Lab is devoted to extending musical expression for everyone (Guitar Hero came from his group). Ellsey plays his "My Eagle Song" in piece that underscores music's ability to heal, to communicate, and to inspire.

Dan has cerebral palsy and watching him play the music he composed himself, through his own expression via digital software absolutely floored me. Not only did this create a paradigm shift within me, it creates a way for individuals like Dan to explore themselves. I was moved to tears while watching his performance.

  • Learning to Engage - Rosa's article is spot on, in regards to learning how to engage in online communities and answer the question "Why Bother?".

While many consider digital communities OR the web as a whole to be the seed of separation when it comes to close contact with other humans--I see it differently. Conversing with people via Telnet on text-based worlds gave an isolated individual (me) a safe means of opening up.

By learning to engage online, I found ways to engage my fellow man in the physical world.

  • My beloved iPod - When we consider the theme Digital Learning, most of us will immediately think of the web and its expanding usefulness. While I'm quite fond of these things, digital learning can include the tools we use throughout our days away from the computer and/or web access.

A little over two years ago, I made a choice which would redefine my life--if I made the choice to stick with it. My iPod was a critical part of my motivation, inspiration and learning through upbeat music, seminars and audio books.

When I felt my mood sinking...
When I needed to relax and focus on what I wanted to draw into my life...
When I carved the learning necessary to grow and become a successful and happy person...

My iPod was there.

The funny thing is I've been a member of Twitter and StumbleUpon for well over a year. But for whatever reason, I didn't get engaged right off the bat. Now Twitter and StumbleUpon are a big part of the marketing I do (Still getting the hang of Twitter but loving it :: Instant Messaging on Steroids!).

MPC is a community on Ning, created to give real marketing training to real people. It is a gathering of people from all walks of life, varied levels of expertise for the purpose of  helping each other excel, grow and become successful. My kind of MasterMind Group. :)

There has never been a better time to be alive. The means to share, collaborate, learn and grow are at our finger tips with the click of a button. Learning is in our blood. We all carve and need growth--whether we've come to recognize it or not.

As with anything else, the digital superhighway and toys we cherish are what we make them. We can use them to withdraw OR they can be a means for making the world a better place.

The question is, what digital tools do you use and are you engaging the community behind it? OR better yet, are you allowing them to teach you the lessons available so you might grow?

Do they make you better? If not, why bother?

[Update:] This article was prepared--all I had to do was hit publish, when a spot of digital learning came along. Yesterday, I faced a road block (sharing my voice online) and took part in a Voice Thread conversation. Now I'm in search of ways to use Voice Thread and/or other forms of audio and video on my blog. Another step taken and lesson learned. :)


Tim Draayer discovered the joy of reclaiming one's destiny two years ago. Today he is an entrepreneur, networker and personal growth evangelist. He writes about all these things on his blog, Network Marketing Journey.

Learning From The Power Of Voice

I learned so much from this Voice Thread experiment on 'What Difference Does Voice Make?' that I found it hard to know where to start with this round-up and review post.

I did think about selecting and writing out some of the best bits of the comments on the thread... but that would seem to defeat the point of the exercise :-)  So I'm reposting the thread here and please do click on it to listen in to what JJL authors, readers and friends have been saying about these questions:

  • What difference does voice make?
  • How could we use VoiceThread to support learning?
  • How could we use VoiceThread to help build a digital community?
  • Can voice help JJL honk?

To listen to the thread just press the 'play' button (arrow) in the centre of the screen.  RSS readers - you might need to come over here to see it!

It's not too late to join in and add your voice to the conversation.  You need to register first (e-mail and password) but then you're away.


What I'll add are my reflections on the experiment, and what I learned from it.  They're in two categories, one on the collaborative aspect, one on voice.

The Voice Experiment

I hope by this point you'll have listened to at least some of the voices on the thread.  Learning points for me are:

  • The powerful sense of connection we get through voice
  • How much we learn by hearing the accents, remembering where people are living or working
  • The way emotions translate differently (better) - hesitation, pleasure, teasing, humour, friendliness
  • A more powerful fix on the language of aloha by hearing Rosa breathe life into the words (more please!)
  • The deep, deep reluctance some people feel about sharing their voice or hearing their recorded voice

This last point is one that I picked up mainly through conversations on Twitter.  I realised that many people enjoy blog writing, commenting, 140 character Tweets precisely because it is written.  The spoken voice is different.  It's more personal - feels like sharing a bigger part of ourselves.  There's less room to polish and edit.  It's more of a barrier if English is not your first language.  People have doubts about their accent, pronunciation or just plain sound of their own voice.

I don't want to downplay these issues - I felt many of them myself before I taught myself how to podcast - but I hope we can encourage people to give it a try, because voice (warts and all) does make for a powerful connection.  And one of the reasons I like Voicethread is that it does make the whole thing seem less technical, less formal, more friendly, more conversational, more likely you might just give it a go...

The Collaborative Experiment

The exchange was much richer and inter-woven than I was expecting.  Factors that (I think) helped people join in were:

  • Creating an experimental thread first (I'd set up a thread for JJL authors to practice signing in and commenting)
  • The nature of the technology - it's pretty easy and intuitive for people to use
  • Using open questions (yes I know, always a good idea!)
  • Nudging people frequently (not too much I hope...)
  • Promoting the experiment on Twitter - with deep thanks to those friends from Twitter who followed me here and joined the conversation
  • Experimenting within an existing community - the rich community that already exists at JJL, topped up with Twitter juice
  • Time - this one is perhaps the most interesting one for me.  I deliberately left the voicethread 'open' for a couple of weeks (though it will of course remain open long after this post 'closes' it).  I'm pretty sure this was a key factor in generating such a rich conversation.  I don't think this is to do with voice as such but something to do with creating the space and the forum for conversation that is different from the rush, rush, rush of a blog - read, comment, move on - habit.

Those are my reflections on this particular experiment.  Suffice to say I am not just a VoiceThread convert but also evangelist... and I will be using it again, for sure, on my own blog and maybe here again at JJL some time too.

I'd love to hear from you with your own reflections on the experiment:

what you learned from taking part

reflections on the different comments you heard in the thread

ways that we could make it easier for people to share their voices...

And finally, a big thanks to all the JJL authors who joined in and to my exceptionally thoughtful and generous Twitter friends: @amypalko, @karenswim, @vgonyea, @despil, @NadineTouzet who took the time and trouble to join us and share their thoughts, and voices, with us at JJL


JoannayoungThe author Joanna Young is a writing coach who lives and works in Edinburgh.

You can read more of her work at the Confident Writing blog.

She's been experimenting with VoiceThread there too, with recent posts on 5 Ways To Trust In The Power Of Your Words and Walking Our Way Into Words

Connected Learning

In keeping with this month’s theme, I was originally going to write about all the great places I go online to learn new things – kind of a blogroll of learning resources.  I’ve decided to take a slightly different approach and write about a couple of tools I use to learn things I can truly leverage.  A subtle distinction, perhaps, but it’s one that is important to me.

Chain8 Connections

There are a ton of social networks around and I’m very reluctant to jump into them because I am concerned about the time investment.  However, in my work (creating and managing alliances between my company and other companies), it’s important to have at least some online networking tools in my toolkit.

The two I use most frequently are LinkedIn and Plaxo.

LinkedIn

LinkedIn is a business-oriented network that helps me understand how I am connected (or could connect) to others who might be useful in my alliances work.  I work in the computer software industry, and it seems a lot of the people I know have moved into some pretty cool places that are relevant to my current role.  LinkedIn makes it very easy to re-establish contact with them, get introductions, forge new alliances, and so forth.  I’ve also been able to help a number of my old friends in their missions by introducing them to other people I know.  The cool thing (for me, at least, is that I have a long list of contacts that I truly know and trust (it’s not a numbers game or popularity contest for me).  Sure, I know some of them better than others, but that’s no different from offline friends, is it?

LinkedIn also has some other good features, like letting you know when other people you may have worked with in the past have joined LinkedIn (it compares their work history with yours to suggest people you may know so you can connect with them).  You can also see how many people have been viewing your profile recently, and what job title & company they hold - this is useful for me to see which other companies may be interested in my company.

Plaxo

Plaxo is a service that integrates with Outlook (and other things too, but I’m an Outlook user) to help keep my address book up-to-date.  This has been one of the most unexpectedly valuable tools I’ve adopted. 

You see, I’m not just a Plaxo user; I’m a Plaxo member.  This means I am automatically connected to other Plaxo members simply by adding them to my address book – Plaxo makes the connection automatically.  And, once we’re connected, anytime a Plaxo member updates their contact info, company, phone numbers, etc. my Outlook address book is automagically updated.  In the nomadic world we live in, this has been a huge time saver.

But that’s only the beginning.  Plaxo has another awesome feature I really like:  if any of your contacts puts their birthday into their contact record, you’ll automatically receive a notification about a week prior to let you know their birthday is coming up.  Then, you can use another feature of Plaxo to send them an online birthday card (very fast, and only a few clicks). 

The e-card aspect of Plaxo has been very cool for me.  I use this feature to let people know I’m thinking of them (you can send other types of cards, as well), and this has awakened quite a few dormant relationships in the past few years – it’s a good excuse to reconnect.

The other awesome feature I really like about Plaxo is something they call “Plaxo Pulse” which is kind of an RSS feed of what’s happening in my Plaxo network.  For example, I get notified when people post blog entries, when they put pictures on Flickr!, when they change jobs, when they upload a new profile photo, etc.  Again – very good for feeling more connected with the people I know.

If you’re looking to change how you learn about others and up-level your online connectedness, these are a couple of tools I highly recommend.  LinkedIn is free, and Plaxo has both free and fee-based options available.


Oh - and speaking of birthdays: 

Today is Rosa Say's birthday!  Rosa is the awesome lady that had the initial vision and passion to create this Joyful Jubilant Learning community.  She is a lighthouse for me, and really has a way of bringing out the best in people (including me).

And speaking of connections, Rosa has been another online resource for me to expand my connections.  I have met people all over the world through Rosa's "blog connections" and personal introductions, and she has led me to more learning watering holes than just about anyone.

So join me in wishing Rosa a happy birthday.  She is one of the special ones.


About the author: Dwayne Melançon is the author of Genuine Curiosity, where he is always on the lookout for new things to learn.

Digital Learning and Choosing Your Learning Communities

Our April theme of Digital Learning has illustrated something quite clearly for me:

Whatever Digital Learning we choose will also determine the conversations we have with our globally scattered friends and neighbors, and how we have them.

Conversely, you may choose a virtual community (like this one, our Ho‘ohana Community on JJL) or a social media network first (such as Twitter or LinkedIn). However in making that choice, you will have to learn whatever it takes to communicate with everyone there if you are to fully engage with them (and they with you) in the best possible way.

Pure and simple: We choose how and if we engage

What is that “best possible way?” Well, “best” is pretty relative to each of us individually, and there’s the rub: Best for you may not be perceived as best for the rest of the community.

And there is another truism which frequently emerges: What happens more times than not, is that whatever is easiest for you isn’t necessarily deemed best for everyone else too: Getting to what is optimal for both of you takes some work. Sometimes, it even means building new habits. At some point, people make decisions about what is good enough and they give up on the pursuit of optimal.

That’s life. We all have to arrive at our own reasonable balance.

Marketing guru Seth Godin became an example of this recently when he received some criticism for his decision to write about Twitter. Just one problem: He doesn’t use it. What he wrote was positive, but as someone who is not engaged with the Twitter community he lost some of his credibility with those who are, and feel they are more devoted and fully engaged.

As a Twitter newbie myself, about a week short of a full month’s engagement, I have learned much about the cultural norms there, and feel like I am learning how to speak a completely brand new language, just 140 characters at a time. When do I choose updates that are publicly broadcast, @directed, @included or direct-messaged? Which is the best way to reply to each? Why can’t I get just one stretched picture on my profile page versus the tiled one like others can? When does link-sharing deteriorate to anything less than sincerely appreciated or loved by your followers? When are you perceived as gregarious and generous versus strictly self-promoting and spammy?

And most of all: Why bother learning?

Twitter has taught me an awful lot this month, and I have come to realize that it does take time to learn enough to make a reasonably intelligent stab at answering that “Why bother?” question. It takes time, transparency, and vulnerability: While you are learning you have to engage; there really isn’t any other way.

Further, the community sets the rules of engagement, not you.

When you choose some kind of digital learning you are often choosing a community too, and you are rarely learning alone.

Rules Even when you use something like Del.icio.us, normally entered into strictly for individual book-marking, it turns out to have some kind of social component to it. After I had been using my Del.icio.us toolbar bookmarklet for all my link tagging over quite an extended amount of time, I remember being so surprised the day I went back into my account again to learn how to bundle my tags, and discovered that I actually had a network and fans there –how had that happened? Who were they? Where did they come from? Was I expected to communicate back with them or reciprocate in some way? I went into this mini panic worrying about how unintentionally rude I may have appeared until I learned more about the way that networking happened there.

With Twitter, I am conversing regularly (that is, “tweeting”) with people across the globe who seem to have no interest in anything else I write over and above those 140-character updates. In the beginning, it floored me that those tweets were enough value for my new twitter-friends, jumping into conversations with me just as easily as my older friends established elsewhere did. They click my blog link at my bio to quickly check me out, but even if they choose to follow me (adding me to their chosen Twitter village) they may never read one of my blog posts again (much less my book and about my mission), and have no interest whatsoever in an RSS or email subscription. Twitter is an instant community of sharing humanity in real time, not in experience-driven stories or bloggy thesis presentation. Your Twitter connection can become more as links are followed (and as you choose who you will follow), but not necessarily.

Social has become a pretty literal word.

There has been some rapid and totally unexpected spill-over for me as I surrender my “Why bother?” learning time. I have noticed that my blog posts are getting shorter and less frequent (finally!) for now that I “get” Tumblr and Twitter I more fully understand how short attention span has become no matter how much people may love or admire you. It ain’t personal: When they choose new learning of their own, some time may be stolen from old-style conversations. Our capacity for life has this wondrous yet annoying way of stretching much larger than the time we manage to stay awake and function well! Twitter (and the books I purchased after A Love Affair With Books) has had a pretty dramatic effect on my own RSS feed-reading: Blogs that were “on probation” now have a much shorter time in which to make the cut with me. Am I being more efficient, or less patient?

And the duplicity of reciprocation and paying it forward is not lost on me: I am completely aware of how I may be in the same boat with someone else judging my citizen publishing – and me as publisher.

Let’s bring this back to Joyful Jubilant Learning

What more can we learn from the aha! moments we experience within our Digital Learning here and elsewhere? Most, if not all of us participate in several virtual communities: What experiences can we bring back to this one here at JJL, evolving in our best possible way? How is our own Ho‘ohana Community to get better within the conversations had here, and more supportive of the learning initiatives of all who wish to engage with us?

Please share your ideas, for I am quite positive that every single author here would love to hear them.

~ Rosa Say

Earlier this month: Talking Story and a JJL Twitter Soiree


Rosa2005 Post author Rosa Say is the author of Managing with Aloha, Bringing Hawaii's Universal Values to the Art of Business, and she currently writes for Managing with Aloha Coaching, Value your Month, Value your Life.

Rosa also serves as the managing editor of Joyful Jubilant Learning; her letter for 2008 can be found on our About Page.

For all of Rosa's writing aggregated in just one place, visit her Tumblr, Ho‘ohana Aloha.

Financial Learning

Here in the United States our economy has turned negative due to a severe credit crunch. Since the early part of the decade, borrowers who otherwise would not qualify were able to take out "subprime" loans on homes and properties. This was fine as long as property values soared but once the housing bubble burst in late 2005, many people found themselves upside down in debt.

This wide range phenomenon led to the collapse of the entire housing industry. Mortgage lenders found themselves with thousands of uncollectable loans. Home builders saw the values of their homes plummet and banks and other financial institutions saw a huge drop in their stock prices.

Here in the Temecula area of Southern California, we were especially hit hard. As a fast growing suburb of San Diego and Los Angeles, we had thousands of new homes built in the last few years. Drive down those neighborhoods today and you'll see many brown lawns and foreclosure signs.

It's tough to see friends and relatives lose their homes. There is probably nothing more gut wrenching than to have to deal with a property that has lost a third of its value overnight. You can't sell it and the huge payments keep coming. Many borrowers took out adjustable loans which make things even worse as the payments adjust upwards.

Many families are just walking away. Bankruptcies, short sales, and other credit solutions abound. It is really a hard time for many. But in the midst of trouble there is hope. There are many calm and intelligent voices helping people get back on their feet. One of the best is Dave Ramsey.

 

Daveramsey

Dave has written a popular book entitled, The Total Money Makeover. This is a book about getting out of debt and living financially free. The book offers...

  1. A sure fire plan for paying off all debt- including cars, houses, everything
  2. Help you recognize the 10 most dangerous money myths that can kill your budget
  3. Help you build a sizable nest egg for emergencies and retirement

This is a great book that everyone should read. It offers a step by step plan to financial independence, with many personal success stories of people just like you and me that have overcome huge obstacles to become debt free.

In the book, he encourages the reader to take "baby steps," which are designed to build on each other...

  1. Save $1,000 as an emergency fund
  2. Pay off all debts from smallest to largest
  3. Save a larger three-to-six-month emergency fund;
  4. Start to save for college
  5. Pay off your home mortgage.

Dave hosts a daily radio show (XM-165 at noon) with over 3 million listeners. He is a practical yet caring financial coach. His no nonsense approach has helped people overcome credit card, medical and mortgage nightmares. People call in every day with success stories of how they overcame substantial debt in a short amount of time. Dave gives them a chance to yell at the top of their lungs... I'm debt free!... to his entire audience.

My wife and I took on a plan like this when we were first married. It was tough at first. One of the things we instituted was the envelope plan. We each put our entire weekly budget into an envelope in cash. We had to get through the week just on that amount of money.

This one one of the greatest learning experiences of my life. I soon found the real value of the things that I wanted. I started taking my lunch and cut down on extra driving. I would have to save from week to week to get that computer book, car part, or gadget that I really wanted. It gave me time to think about what was really important.

Soon my eyes were opened and my attitude changed. I found that I could really get the things I wanted. I just needed patience and diligence. I also found that the things I wanted diminished when I realized that I could have a few of them but not all of them.

If you have never tried this, give it a whirl sometime. Put aside your ATM and credit cards and put your weekly cash in an envelope. You'll be amazed where your money goes and how quickly your budget changes. You'll find yourself thinking about each transaction and if that super burger combo with fries is really worth eight dollars?? You might even lose some weight in the process! :-)


John2 John Richardson is the author of Success Begins Today, a personal development blog devoted to practical applications that can make life an exciting adventure. From a wallet sized personal organizer to a desktop flow chart you're sure to find something here that you can download and enjoy. John always enjoys learning new things and suggests you try a powerful 48 minute working technique that can help you focus and get more done. Here's to your success!

Who are the Digerati?

In Google-searching through some of my curiosities about Digital Learning this month I stumbled across www.edge.org and this page in particular that asks (and then tells us) “Who are the Digerati?” I found it fascinating, and thought that perhaps you might too:

Who are the "digerati" and why are they "the cyber elite"? They are the doers, thinkers, and writers who have tremendous influence on the emerging communication revolution. They are not on the frontier, they are the frontier.

The digerati evangelize, connect people, adapt quickly. They like to talk with their peers because it forces them to go to the top of their form and explain their most interesting new ideas. They give each other permission to be great. That's who they want to talk to about the things they are excited about because they want to see if it plays. They ask each other the questions they are asking themselves, and that's part of what makes this cyber elite work.

You will find links to the stories of forty different web evangelists, fondly referred to by nicknames such as The Impresario, The Saint, The Gadfly, The Buccaneer, and The Citizen (whom I was initially seeking to learn more about when I found this page.)

Enjoy.

Howard_rheingold

“I resent the shallowness of the critics who say that if you sit in front of a computer and participate in online conversations worldwide you are not leading an authentic life. I question the premise that one person can judge the authenticity of another person's life. Millions of people passively watch television all day long. Don't tell me that having an email relationship with someone on the other side of the world is less authentic than sitting alone and watching the tube. For many people, this new medium is a way of breaking out of the virtual world they already live in.”
---Howard Rheingold (howard rheingold pic: Justin Hall & Robin Good)

Post author: Rosa Say

Time to rhyme and learn

While we are celebrating our digital learning here at JJL, April is also being celebrated as National Poetry Month in the United States.

Npm_logo








Yes, I recognize that there are those who would respond: "by definition, there is no such thing as a good poem". Alas, you do not fully understand what you are missing.

The opportunity to write with some restrictions and focus comes in many forms. One is via a theme. One is via the format.

Hence, a sherku which is my variation, really an extension of haiku.

sherku: defined

focus your writing, say it
all concentrated in just
nineteen syllables

This month I am working on a series of sherku on the stops along the Franklin Line. I ride the rails twice most days, I know the stops by heart but do I know much about what is at each stop? No, hence a little speculation and a little learning ensue on this series, along with a healthy dose of fun.

For the stops I knew very little of, I used Google and Wikipedia for some research. For example, I learned that the land next to Ruggles Station was the site of the South End Grounds where the old Boston Braves baseball team played. These are the Braves that now play in Atlanta.

Franklin Line: Ruggles Station

The old Braves outfield at the
South End Grounds is a
Parking garage at Ruggles

My posting on Steve's 2 Cents about this series got picked up by UniversalHub, a collection of Boston blogs. It inspired commuter-rail limericks. Wow!

I have long admire the work of Limerick Savant so I went back to my trusty companions (Google and Wikipedia) to learn more more about limericks. I read about the story of the limerick challenge that took place amongst some newspapers back in 1924.

This series of limericks first appeared in a June 14, 1924 edition of a Nantucket newspaper. It all began when the Princeton Tiger revived the then well-known limerick printed first below and the Chicago Tribune answered with the second limerick. The New York Exchange went one step further with the third rhyme, and the Pawtucket Times took over from there.

Click through to read the limericks here

As I grew up in Pawtucket (yes, really), I needed no further inspiration:

There once was a lad from Pawtucket
who now had to rhyme with suck it
but he did not dare
as he did not swear
so he found a way to duck it

Continue reading "Time to rhyme and learn" »

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