Day 3056

I've been thinking that it would be a good idea to start taking money out of my retirement account when I turn 70. I called my bank and my broker today to find out exactly how to do this, and as you might expect, it was more complicated than I had imagined. What I wanted to do apparently isn't possible, so now I've got to come up with a Plan B. I also learned that I am required to start taking money out of my IRA before the end of the year whether I want to or not. When I asked why, I was told that the government doesn't want you to die before they are able to tax your retirement savings. Heaven forbid that you might pass it on to your heirs as an inheritance and they wouldn't be able to tax it at all. Needless to say, I hate dealing with banks. Every year there seem to be more rules and regulations that benefit the bank more than they benefit me.

I've been fighting the urge to buy things I don't need. I think the model trains taught me a lesson. When I get the urge to buy something these days, I make myself answer a few questions. Do I really need this? Am I planning to use this within the next six months? Do I already have something exactly like this? So far, this discipline is working. I've had my eye on a couple of cameras and a really cool portable multi-track recorder, but I haven't bought anything. Other than a few odds and ends, I haven't bought anything this year.

I wish it were easier to keep the business going. Life would be simpler for me if I didn't have to think about retirement and I could keep writing off cameras as a business expense indefinitely. The only way I can think of to keep the business going without going to meetings and dealing with people would be to dramatically increase my earnings from stock photography. I would need to upload thousands and thousands of pictures and get them all accepted to make this happen. A daunting task to say the least. Nobody buys pictures of flowers and birds either. The few photos that do sell well in my stock photo catalog all tend to be traditional studio shots involving models and photo assistants. The holy grail of a passive income that requires no real effort on my part remains as illusive as ever.

I think I'm going to have to find a new landscaper. I've called the guy four times and he still hasn't returned my calls. I hate to start over. This guy was very affordable and did a good job. He also knew exactly what I needed because he's been replacing the grass in my backyard every Spring for quite a while now. Why do things have to keep changing? Once you find a really good plumber, insurance agent, or landscaper, you ought to be able to keep them for the rest of your life.

It looks like I'm going to have to add banking problems to the leaking roof, the grass in the backyard, the aging kitchen appliances, and other unresolved issues. At least Dash is still eating well and the train collection is gone.

Spot is today's Dalmatian of the Day

Watch of the Day

Day 2659

Lord knows what I do in my sleep. I woke up this morning without my fitness tracker on my wrist. I couldn't find it anywhere. Did it fall off when I got up to go to the bathroom? Did it fall off when I cleaned up Dot's poop at 2 AM? I didn't want to lose the tracker for three months like my other UP band, so I looked everywhere. Eventually, I found it under the sheets at the foot of the bed. How on earth did it get there?

While I was searching for the illusive UP band, Dot was slowly waking up. Every morning I have to make a quick decision. When Dot lifts her head and acknowledges that she is awake I have to decide whether to lift her up and let her pee in place on her bed, or quickly walk her down the hall and out the back door. If she pees in place, there is a small well contained mess. If we can make it outside, there is no mess at all. If I guess wrong, there is a trail of pee all the way to the back door and a lot of rugs to wash. I guessed wrong this morning. I really thought she could make it, but when she didn't pee immediately when we got outside I knew there was a trail of pee behind me

It was unusually cold this morning. It felt strange to wear a winter parka in April, but that's Texas weather for you. This was another one of those days where we had the furnace running in the morning and the air conditioner in the afternoon. At least the humidity was low. It will help the rugs dry on the line in the back yard. I've stopped drying the rugs in the dryer, because the rubber backing would always flake off and make a big mess. I've got a fairly efficient system for keeping things clean now, but it sure would be nice if I knew what Dot was going to do in the morning.

I decided to upgrade my IOS devices to the latest system and as usual, Apple hit me with a surprise. They have a two step authentication process now that seems unusually complicated, even for Apple. When you log on with one device, Apple sends an authentication code to a second device. You have to copy this code back to the first device before you can continue. I guess this is an effective way to keep an unauthorized person from using your phone, but it is very inconvenient. I'm not sure what you would do if you only owned one Apple product. I'm going to have to figure out how to disable this feature, because I definitely don't want to keep an iPad nearby every time I use my phone.

I actually had work to do this morning. It was only a routine website update, but it kept me busy for a while. I need to think seriously about uploading a massive amount of photos to Shutterstock. I make a little money every month from stock photo websites, but I don't have enough photos on file to generate any real income. When my few remaining clients eventually disappear, passive income websites like Shutterstock and iStockphoto might be all I have left. In theory, you could make a living selling stock photos, but you'd have to have thousands available. So far, I only have ten.

Today wasn't half bad. Dot was calm and stress free for most of the day. Dash was eager to walk for a change. I had some work to do and the weather was crisp and cool. I didn't even leave the house today, but that was OK. On days like these, I don't feel a need to escape.

Angel is today's Dalmatian of the Day

Watch of the Day

Day 2490

Forget what I said about wishing I could remember my dreams. I actually remembered a dream pretty clearly when I woke up this morning and it was pathetic. Somehow when I went outside to check the mail, I discovered a man building an elaborate rock garden in my front yard. I asked the man what he was doing and he told me that the yard needed something extra and that he would send me a bill. I argued with him for a while and then went back inside to discover that I wasn't in my own home anymore, but was at a housewarming party at the home of Dot's veterinarian. Dot wasn't at the party, but I did remember seeing a large Persian rug under the dining room table with a woven Dalmatian pattern. I asked if I could have the rug and then I woke up. This was nothing like the dreams I used to have many years ago where I had the ability to fly.

I always make a grocery list when I go to the store, but when I got home today, I noticed that I failed to buy several items that were clearly marked on my list. It wasn't like these items were out of stock.  I just completely forgot about them, even though I looked at the list at the store. This isn't like me. I'm usually very methodical. Is this how Alzheimer's begins? If I got Alzheimer's, probably nobody would know the difference. I don't remember much anyway.

Dot seemed was a bit stronger today. I don't know causes her dramatic change in energy levels from one day to the next, but I'm always glad when she has a good day. Maybe it's as simple as a change in temperature. Fall is definitely here and Dot loves the cooler weather. I had to wear a jacket for the first time on our morning walk. I think the temperature was in the low fifties when I woke up. I bought several Winter jackets at dirt cheap prices when the sporting goods store was going out of business earlier this Summer. I wasn't sure if I'd actually wear these coats then, but it turned out to be a good purchase. The feather light insulated jacket was perfect for mornings like this.

Couldn't we just have a do-over on this presidential election? Both candidates keep getting worse and worse. Even the two independent candidates are embarrassingly bad. I bet if there was a way to vote on just canceling the election and starting over, the measure would pass overwhelmingly. I don't buy the argument that you've got to vote for one of these candidates because the other one is worse. I think we need to admit that we have failed miserably as a country and just start over.

I got my first payment from Shutterstock today. Hey, it only took me a year. I guess this isn't so bad, considering that I only uploaded about ten photos to the stock library. I wish I could get motivated to upload hundreds, or even thousands of pictures. If I had more pictures available, this might end up being a decent form of passive income. Unfortunately, I lost interest in Shutterstock about two weeks after I joined. I got tired of having to extensively tag each photo with a long list of keywords before it was even approved. It was also pretty irritating when many of my favorite images got rejected for poor focus or excessive grain. I love shallow depth of field where only a small part of the image is in sharp focus and grainy images never bothered me at all. What do I know though? It is nice getting a check, so maybe I'll upload some more pictures.

Today wasn't a bad day at all. The weather was perfect. Even though Dot pooped in the house, she managed to avoid making a mess. For my part, I managed to get caught up on all my web assignments. Janet even fixed some delicious trout for dinner. I will have to go back to the grocery store tomorrow to pick up the items that mysteriously vanished from my memory today, but this is no big deal. A few more days like this would be just fine.

Madison is today's Dalmatian of the Day

Watch of the Day

Day 2387

When I picked up my tape recorder at the repair shop, it occurred to me that I hadn't picked the best time to restore and refurbish my old studio. This was an ambitious project and I should have waited until all the unexpected expenses and emergencies subsided. Of course, when are unexpected things ever going to quit happening. If I waited until life was calm again, I'd be waiting forever. At any rate, there are still many things to fix, but I now have two functioning old school multi-track tape recorders again.

As most of you know, I'm fascinated with gadgets. Ever since we began having power outages in our neighborhood, I've been looking for the perfect emergency power source. Backup batteries don't last long enough to be really useful. Gasoline generators get the job done, but they are noisy, heavy, and you've got to keep them outside because of the exhaust. Lately, I've discovered solar powered generators. Even the largest of these devices won't power your entire house, but they seem perfect if you just need some LED lights, a laptop, a few cell phones, and a small portable refrigerator to keep you going. The only drawback I can see is that they are ridiculously expensive. Oh, and you need a lot of sunlight too. I was looking at the Goal Zero generators today. Very cool. All I need are a couple of these, an Airstream trailer, a satellite phone, and some acreage up in the mountains and I'm all set. Hey, there's nothing wrong with dreaming is there. My fantasy has always been complete self sufficiency. When I hear someone say "It takes a village," or "We've all got to work together as a team," it just makes me want to vomit.

The weather was weird today. When we woke up, the air was still and the humidity was oppressive. This was not the best environment for Dot. She got tired on her morning walk and we had to walk even slower than usual to make it back home again. I was a little worried about her at first, but she's back to normal now after a nice long nap. As the day progressed, it got darker and darker and by mid-afternoon we were in the path of a raging thunderstorm. Not surprisingly, the dogs got frightened by the thunder and lightning and I had to spend the rest of the afternoon calming them down. The only good thing about all this was that the temperature dropped twenty degrees. I won't have to water the grass tomorrow either.

I need to think of some better passive income ideas. With interest rates near zero, the stock market has been a big disappointment. The stock photography market has been an even bigger disappointment. I'm a good photographer, but you literally have to have thousands and thousands of images in circulation to make any significant income. Ditto for running ads on my websites. All these things showed promise and were even occasionally lucrative for me twenty years ago. I blame it all on globalization. When you are competing with billions of people instead of a few thousand, prices come down dramatically. Some bloggers started writing books when blogging fell out of favor. I don't think my life is weird enough to use it as the basis for a novel. I'm certainly not going to write a motivational or self help book. I've got nothing in the motivational department. Don't expect me to lift you up. If you're enjoying this, you're probably happy already.

Rascal is today's Dalmatian of the Day

Watch of the Day

Day 2100

Every time I have to deal with clients, I dream about passive income. Passive income is the Holy Grail. Wouldn't it be nice if a combination of stocks and bonds, Google display ads, stock photography, and other assets I had lying around could provide me with a stable, comfortable income with no work at all? I haven't come up with the magic formula yet, but I still think about it from time to time.

In theory, I should be able to make a nice income from stock photography. Other people do this. I've made $50 from Shutterstock, but I've only bothered to submit fifteen photos. I realize that the photographers who succeed selling stock images upload thousands of images to their online collections. I certainly have thousands of images. Maybe if I stepped up my game and submitted fifteen hundred images to Shutterstock instead of my paltry fifteen, I might start making some decent money. So, why not? I uploaded some more images today. After five submissions, I remembered why I hate doing this so much. Before you can submit an image for approval, you have to add categories, keywords, and other meta tag information to each photo. If your photo is of a sunset, you can't just say "sunset." You need a minimum of seven keywords before you can click the submit button. Some of these keywords won't be acceptable, so you have to scratch your head and think of others. Then, typically about a week later you get a letter saying your photo was rejected because there was too much grain or the focus wasn't sharp enough. After a while, this tedious submission process hardly seems worth the trouble.

Stocks aren't a good passive investment either. You have to be actively engaged and keep track of them, or you can lose your money in a heartbeat. A single downgrade or bad quarter can throw a wrench in your plans, no matter how good the company is fundamentally. The people I know who do really well with their investments seem to enjoy the challenge of a turbulent market. It's a game to them. I'd rather just pick a good company and forget about it. The people who do well selling stock photography have a completely different personality. They methodically catalog everything they do and upload hundreds of images each month. I can't even imagine doing this. I stay busy writing and taking photos, but I'm not very methodical and the money I make is almost accidental. I hate the whole process of turning imagination into money.

I'm glad people thought I was really clever when I was young, because without the momentum my advertising career gave me, Lord knows what I would be doing today. I certainly wouldn't have had the luxury of doing exactly what I wanted later in life. I actually enjoy sitting alone in a small room with two dogs under my desk. A little passive income would make things nicer though. Sending out invoices is almost as tedious as tagging and categorizing photographs.

Dot had a good day today. I hope the weather stays cool, because it certainly helps. It's amazing how much more energetic the dogs are when the temperature is 65 degrees instead of 105 degrees. Dot did have one accident in the house today, but she happened to be standing on a protective mat at the time so cleaning things up was a piece of cake. Just as I predicted, today was just like yesterday. A couple loads of laundry, a tasty Vitamix breakfast, a trip to the pharmacy, several dog walks, and another day was over. Tomorrow I get a haircut. Wow. A haircut. I'm sure it will be a walk on the wild side.

Spot is today's Dalmatian of the Day

Watch of the Day

Day 1696

Dot resumed her physical therapy today. She was only in the underwater treadmill tank for about eight minutes, but it was another big step toward her recovery. It's going to take a while for Dot to get her strength back since she's lost over six pounds, but she seemed eager to get started. We'll start going for short physical therapy sessions twice a week now until she gets stronger. Dot had acupuncture today as well, but we'll only do that once a week.

Today was a good day. We're still waterproofing the bed and taking Dot out in the middle of the night to pee, but once she had her breakfast this morning, there were no further accidents for the rest of the day. Our vet said that if the incontinence still hasn't diminished within several weeks, we might want to consider giving her Incurin. This drug is basically a natural estrogen hormone and has proved effective in treating incontinence in older female dogs. All drugs have side effects though, so we're going to be patient and let nature take its course first. If Dot can continue to improve without hormones or additional meds, it would be much better.

Out of necessity, I've turned into a morning person. I walk Dash before sunrise now, so Janet can stay with Dot until I get back. It is surprising nice outside this early in the morning. Considering that it was only in the mid-seventies when we took our sunrise walk, it was hard to believe that it got all the way up to 103 later in the afternoon. Needless to say, our afternoon walks are much, much shorter. Dot gets a walk too, but hers are measured in feet instead of miles. The vet says this exercise is very good for her, as long as we do everything in moderation. Each day we go a little further, but Dot still tires easily and we don't want to overdo it.

I joined another stock photography site today. This one was different than the others. Instead of uploading tons of photos to an online stock catalog, potential photo buyers post their photo requirements and budget on the site and members can look through their own image libraries to see if they have an image that comes close. If you think you have what the buyer need, you upload the image to the site. If the art director or photo buyer likes your image, you can then negotiate your own terms. The concept is more like having an online photo rep than a traditional stock house. I like this concept a lot more than uploading tons of images to a stock photography site that ultimately sells your images for pennies. Maybe I won't make a dime with this new venture, but the allure of passive income remains strong. What have I got to lose? I have thousands and thousands of images just sitting on hard drives. I've got to believe that some of them might be exactly what someone is looking for. It's worth a shot anyway.

I'm trying to decide whether to go out for breakfast tomorrow morning. Dot certainly did well when I went to the bank and post office yesterday. It doesn't take me long to eat breakfast anyway and I sure am hungry.

Lou is today's Dalmatian of the Day

Watch of the Day

Day 1409

I got accepted as a Shutterstock contributing photographer today. I'll be interested to see if Shutterstock is any different than iStockphoto. I've been a contributing photographer with iStockphoto for five years now and only make a few dollars a year. Granted, I haven't made much of an effort, but it's just so much trouble to get photos accepted. I wish these stock photo agencies would let you upload a big batch of photos and not require you to add titles and keywords until after the photos were accepted. I can't even tell you how much time I've wasted writing elaborate descriptions of photos that didn't make the cut.

Even though the amount I currently make from stock photography and Google AdSense ads is miniscule, I'm still intrigued with the idea of passive income. It's all a matter of scale. Right now, I only have 10 photos on iStockphoto and another 10 on Shutterstock. If I had the patience to upload a minimum of 1000 photos, I might actually start making some real money. In theory, this is certainly possible. I certainly have thousands of decent photos in my files. So far, it just hasn't been worth the effort to upload them. The photos aren't doing me any good just sitting on my hard drive though. If I could bring myself to move them all from the hard drive to the stock photo servers, it might turn into a nice little retirement income someday.

Dot was very tired today. We didn't even get halfway through our morning walk before she wanted to turn around and go home again. Her condition varies from day to day. Some days she is active and full of energy. On other days, she is so stiff that she can hardly move. When we got home, Dot slept for the next four hours. When she woke up again, she was fine. We took our evening walk after dinner, and Dot had no trouble keeping up with Dash. Something is obvious wrong with the girl, but it isn't anything that shows up on X-rays, MRI scans, or blood tests. Her vital signs look extremely good for an older dog.

It was a busy day. I got two websites updated and finished all my writing assignments. Since I finished my work with time to spare, I went to the gym as well. Tomorrow, I've got to remember to get some more blood tests done before I go out for my Friday breakfast. When the blood work is finished, I'll celebrate by having some bacon.

Ellis is today's Dalmatian of the Day

Watch of the Day

Day 967

Do you know what you get after an August rain in Texas? You get steam. After an unexpected downpour this morning, I climbed up on the roof to remove the water and was greeted by clouds of steam rising from the rapidly evaporating water. I guess I should thank the sun for helping me get the water off the roof, because it wasn't all that long before the roof was completely dry again. Although I usually dread rain, today's shower was welcome. The grass and shrubs in the yard got some much needed attention. The areas on the roof that I patched last month appeared to hold and there were no discernible leaks. Since the rain came without the usual thunder and lightning, Dot and Dash weren't even all that upset. Although today's shower was welcome relief, it's going to take more than a single day of rain to turn things green again. It's still very hot and dry.

I saw this new website called Instacanvas this morning that claimed it could take all your Instagram pictures and turn them into large frameable canvases that you could sell online. Cool! Since passive income is the holy grail of most bloggers, I immediately requested to join this site. They couldn't have made it more complicated to set up a gallery if they tried. First, you had to send a message to your Facebook friends and ask them to request to see your gallery of photos.  Then you had to do the same thing on Twitter. Finally, you had to take a photo of their invitation to join and upload it to Instagram. Phew! Suddenly this whole thing wasn't nearly as interesting. Something this complicated will probably never work. I'm still hoping to set up a gallery on this site though. I take a ton of Instagram pictures and I never expected that any of them would earn me a dime of income. If it turns out that a few people actually want to buy prints of these pictures, that would be great.

This morning's rain cooled things down by at least fifteen degrees, so I was hoping that dog training class would be pleasant tonight. No such luck. The temperature was cooler, but there was absolutely no wind and the air was so humid and muggy you could cut it with a knife. Once again, the dogs thought we were crazy for taking them out of a nice air conditioned house for something like this.

I'm still fascinated by the new pictures coming from the Curiosity rover. Did you see the picture of Curiosity floating to the surface of Mars at the end of its parachute that was taken by another satalite orbiting the planet? Amazing! They say that if this picture was snapped even one second later, it wouldn't have captured anything. I used to love astronomy when I was in high school. I never was good at physics and math though. That's probably why I ended up in advertising. You don't have to be good at math to excel in advertising. Truthfully, you don't really have to be good at anything.

Lilly is today's Dalmatian of the Day

Watch of the Day

Day 597

The big news of the day has to be the 500 point drop in the market. I sold some things; held on to some other things; and bought an inverse fund that goes up whenever the DOW goes down. Will these strategies help to stem the carnage? Lord only knows. I've just about given up on predicting the stock market. The market seems to be totally driven by current events these days. It's all amazingly fickle. If anything good happens tomorrow, the world will breathe a collective sigh of relief and the market might go up 400 points. Who knows? Of course, if tomorrow's jobs report is dismal, as many expect, the market will inevitably drop even further. Whatever happens, there's a good chance that we will all be selling our stuff on eBay and picking up aluminum cans on the side of the road in another ten years.

The dream of substantial passive income seems as illusive as ever. I think I made three cents from Google Adsense today. I seem to have thousands of Twitter followers writing YA vampire novels, but I wonder if many of these aspiring authors are actually making money? My favorite Borders Books closed recently because the company went bankrupt. Half the Kindle books I see are given away for free. I have one author friend whose last book sold over a million copies and even he isn't rich. I keep hearing all these Field of Dreams people say that if you are doing what you truly love, the money will come. Maybe. In my own little world, the evidence says otherwise. The people I know personally who are doing really well all have jobs they hate.

It's hard to decide what car to take to the airport to pick up Janet later this evening. An old, brittle rubber hose could easily crack in the old Land Rover and leave me stranded on the side of the road. On the other hand, the heat might fry a computerized sub-system in the new Land Rover and leave me stranded on the side of the road. I'm really ready for this extended heat wave to be over. Even the simplest things seem twice as hard when it's 110 degrees outside.

At least it's Friday tomorrow. I've got the trash hauled out to the street already and I'm ready for anything.

Dalmatian of the Day

Watch of the Day

Day 444

I put together my ad for Dallas Dog Life and sent it off to the publication this afternoon. It's a simple little ad, but then I'm a simple little company these days. It's hard to believe I started my business doing TV commercials for Pepsi and Mountain Dew. I like what I do now, but I'll have to admit that I'm painting with a lot smaller brush. At least I'm still in business. A lot of folks aren't.

I got a call this morning from a woman who wanted me to come take a picture of her puppy. When I asked how she'd heard of me, she said she'd seen one of my pictures on the wall while she was at her vet and liked it. This is exactly what I wanted to happen when I loaned the leftover photos from a couple of old gallery shows to veterinary hospitals and restaurants all over town several years ago. It's been so long since anyone called about the pictures however, that I've almost forgotten that they are still out there. Some seeds take a long time to root though and I've finally learned to be patient.

I guess patience finally paid off with Google Adsense too. I noticed that I made it to the $100 payout threshold today. I'm certainly not going to get rich from online advertising though. Since it took me a full year to earn my first $100, I'd better not buy that vacation home quite yet. Even with these paltry earnings, the fantasy of passive income is still alluring. Like many of you, I still have hopes that a collection of blogs and websites might eventually pay the bills some day.

It's going to be a busy weekend. Dalmatian Rescue has a booth at the annual Krewe of Barkus parade and festival this Sunday. No photography involved this time, but Dot and Dash are going to be in the parade.

Dalmatian of the Day

Watch of the Day