A Sailor Looks at Crossing the Bar (Part One)

When I was starting out in public accounting, nearly thirty years ago, I got the chance to work for a new partner who had just joined our firm. His name was Joe Sambataro, an Italian-American from New Jersey, full of blunt honesty and character, and we hit it off right away. He became an important mentor and eventually recruited me to join a small staffing firm in Tacoma as a financial analyst when he joined as CFO. He would later retire, then come back as CEO. Joe is now the Chairman of the Board of this multi-billion publicly traded staffing firm.

Back when I first began working for Joe, he shared three wishes for me: Marriage, Mortgage, and a Boat. In that order. He figured that an employee with a spouse and a mortgage would stick around longer than a single guy with no ties to anything. The boat, he said, was just for fun. Joe liked boating and especially fishing off a boat.

I took Joe’s advice and in short order got married to my beautiful wife Lisa, and signed a mortgage on our Vashon Island home. I soon began looking for a sailboat. …

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The Ferry Commuter’s Secret

I’ve taken over 6,000 ferry rides since moving to Vashon Island. Most of these were uneventful passages to work and back. But everyone once in a while, say 1% off the time, or 60 sailings, I’ve been the very first car on the ferry.

Being the first car on the ferry has some unique benefits. Unless an ambulance or police car has priority loading, the first car loads into the first spot of the center lane, perched out on the bow of the boat. The view from this vantage point is unencumbered and fantastic. On summer days, you can roll down the windows and open the sunroof and take in the glory of sun and sea. In winter, you feel the rollers and spray even with the windows up. No reason to go up on deck when you have such a wonderful ringside seat. I almost always put down my book or laptop on these journeys and soak in the raw beauty of the waves usually lost on me back in the bowels of the car deck on other sailings.

But being the first car on the ferry also has its downsides. Earning this spot means you missed the sailing of the previous boat by just one car. You were the lonely vehicle left on the loading dock while all the cars in front of you sailed off, the ferry worker dolefully shaking his head as the traffic divider bar slowly descends, dooming your fate. You’l wait about an hour stewing on this before you get to enjoy your prime viewing position.

In the probability analysis all commuters calculate every morning and night, wondering when is the last possible minute you can leave and still get on the ferry, being this first car is tangible proof that you blew it. That pause over a last sip of coffee in the morning, that last small talk at the elevator at day’s end, the missed traffic light, all these you think about as you wait.

New York commuters rushing to their trains have a distinct advantage. All they have to consider is travel time and a fixed departure. With ferries, you have to also estimate the volume of other commuters, dump trucks, tourists, and delivery vans that fill up the ferry sometimes well before the sailing time. If only it were so easy to plan on time alone.

This is why ferry commuters usually have a diversion with them: a book, a journal, a musical instrument to while away the time. I’ve filled many journal pages with private thoughts over the years during these unplanned delays.

After over twenty years of ferry commuting, I now see this as just another part of life. Normal. Simply driving straight to work with no waiting, no surge of the sea as you make the crossing, no unplanned hour of waiting to read or think, or maybe write… without that, my life would feel diminished. Incomplete. So, I’ll keep this up, practicing my daily probability analysis, and while I’m sure I’ll be frustrated, I’ll deep down relish my perch on the bow of the ferry when I find myself there once again.

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Book or Computer? The Best Place to Keep your Journal

This is the second installment of a multi-part series on journal writing. The first post described the benefits of keeping a journal. Here, I’ll share thoughts on where to keep your journal: paper or digital.

For most of my adult life, I’ve kept a journal. I’ve always felt a calling to record my life, perhaps some homage to my love of books and reading. My earliest journals were blank hardback books, the first of which took nearly a decade of sporadic writing to fill. After I became more convinced of my journal keeping ability, I bought lovely leather-bound books with acid-free paper and a silk ribbon to mark my place. I figured I could splurge on a book that I might carry around with me daily for a year or more. I now have a shelf full of these beautiful books after two decades of near-daily writing.

How I Started Keeping a Journal

My journaling habit really took hold when I moved to Vashon 20 years ago. Vashon is an island in the middle of Puget Sound in Washington State, accessible only by ferry, so my daily commute to work each way involved thirty minutes of driving on back country roads and thirty minutes of combined waiting and sailing on a ferry boat to the mainland. …

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Five Reasons You Should Keep a Journal

You should keep a journal and ideally write in it every day. You’ve likely heard that advice already. The internet is full of articles and research on why journaling is good for you. I’ve read a lot of these myself.

One memorable take on journaling came from the Asian Efficiency Podcast last year. While I agreed with most of the points made by the hosts and was thankful to learn some new tips to improve my journal process, I chuckled at their youthful exuberance, and frankly, inexperience with journaling. Neither had kept a journal beyond a few short years, so they couldn’t speak with much conviction about the tangible benefits of journaling.

Creating and sustaining a habit of keeping a journal can be difficult, regardless of the benefits, so I thought I might share some tips from someone with more than 30 years of constant journaling.

This is the first of a multi-part series on journal-keeping. Subsequent articles will address more advanced topics, but today let’s focus on the benefits of keeping a journal. Why dedicate the time to keep a journal? Let me describe five key benefits that matter to me.

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Quicken 2018 for Mac – A Long-time User Review

An update to this review for Quicken 2019 for Mac is available here.

Personal financial management is important to me. I’ve always tried to be disciplined when it comes to money, and as a CPA and business planner as my chosen vocation, managing my own money comes pretty naturally. Applying finance strategies I’ve used in managing businesses to my personal finances has paid dividends. Like an accounting system at the office, a well-managed home needs its own financial record keeping. In my case, that system has been the venerable software tool Quicken. What follows is a history of how I’ve used Quicken and reactions to the most recent version of Quicken 2018 for Mac.

Background

I’ve been a user of Quicken personal finance software since 1989. Back then I used a Mac SE, painstakingly capturing every transaction with the proper income or spending category on a nine-inch black and white screen. The discipline of tracking my expenses and using a budget helped me control my spending and keep my focus on long-term financial goals. I’m not exaggerating when I say that I would not be in the financial position I am today without the discipline this software cultivates. …

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