1950s

Diving into real estate

Dave Farquhar Investing , , , , , , ,

You’re not going to believe this. This week my wife and I applied for a mortgage.

Not on our primary house. We’re buying an investment property. I’m still struggling with the mortgage bit.The greatest real estate investment books of all time (for mere mortal working class people, at least) were written by a man named William Nickerson, starting in the 1950s. Nickerson took one and only one shortcut in his investing. He saved up 25% for a solid downpayment, and bought property. Usually property with something wrong with it. He liked small apartment buildings and humble single-family houses.

Then he fixed the property up. Depending on the situation, he’d sell it if it made sense, or more likely, he’d rent it out, then sell when the right opportunity arose.

And when he had enough money to buy another property, he’d buy another one. An outright sale usually would yield enough to buy multiple properties. Or if he could make a trade that made sense, he’d trade properties.

His initial $1,000 investment (which would be more like $10,000 in today’s dollars) grew to $1 million in property by the time he wrote his first book, to $3 million by his second edition in the late 1960s, and $5 million by his final edition in the mid 1980s.

Nickerson argued that his method was the safest investment in existence. He had a point. Land is the one thing God isn’t making any more of, but God is still making new people. People who need land to live on.

But how do you find tenants? What if the house sits empty for a long time? After all, my Dad rented out a property for several years and it was a nightmare. It sat empty a lot, and his tenants trashed the place.

A couple of months ago, I saw a house for rent two miles from me. The asking price was $900. Two days later the sign was gone. Now there are cars in the driveway. So someone rented it. I looked up the house on Zillow. You could buy the house for less than that, if it were available at current market value.

I kept watching. Rentals in my zip code don’t stay vacant long. So when a HUD-owned home a couple of miles away came up at a price we could afford (my wife found it), we went and looked at it. We liked it. It needs work, but that’s why it was cheap. We made an offer, and now we’re a few steps away from buying.

We have some luxuries Dad didn’t have. We’re in a hot market, so we don’t have to rent to the first guy who asks. We can get a family with references. We live close, so we can keep an eye on the place. We can use a management company to help keep everything smooth. We’ll pay more for that privilege but it’s probably worth it. And the mortgage payment is low enough that if it sits for a few months here and there, it won’t break us.

Where house flippers–at least the ones you see on TV–seem to get into trouble is dealing in big, expensive homes and being too leveraged. If the market for $200,000-$500,000 houses goes south, they’re stuck.

This house will never be on TV. Well, the Extreme Makeover guys would love to tear it down and build a sprawling, awkward castle on its L-shaped lot. It’s a low-end house, the kind of place a young family would buy or rent, live in for a few years, and then probably vacate once the kids are done with grade school–if not a bit sooner.

People want large houses in outer-ring suburbs, but they don’t need them. But a young couple that’s outgrowing an apartment does need an affordable house for a few years, and when they outgrow that, there’ll always be another family in the same situation, ready to move in.

So why don’t they just buy the house we had our eye on instead of us? I’m sure some do. But not all of them can afford the downpayment and the money it will take to fix it up.

A friend and I discussed the ethics of buying a down-and-out person’s house, back when Robert Kiyosaki was at his peak in popularity. Kiyosaki appears to have no qualms about it. We were less comfortable about that.

As far as I can tell from the records easily available, this house finished up the foreclosure process in May. A bank somewhere in New York had it for a couple of months. Then HUD ended up with it. I don’t completely understand the process yet.

As it stands now, the house is no good to anybody. HUD’s doing the bare minimum to keep it from getting much worse. It’s eating up taxpayer dollars and making the neighborhood look worse.

The best thing for the house and the neighborhood is for someone with money and who knows what he or she is doing to come in, make it inhabitable again, hopefully make it look a little better, and get someone living there just as quickly as possible.

In my wife and me, they got someone with a little money. We’ll have to learn what we’re doing on the fly.

We’re taking advantage of the former owners who got in over their heads, but when I go to work every day, I’m taking advantage of whoever made the decision to replace a working, reliable computer system based on VMS and Unix with a sprawling monstrosity based on Windows. And my wife would argue that they take advantage of me.

By buying a fixer-upper below market value, fixing it, and renting it at market value, we’re taking advantage of the house’s situation and the future tenants. But the future tenants are taking advantage of us, because they get to live in a house they couldn’t otherwise afford.

I’m not crazy about all aspects of the situation but I’m comfortable that I’m doing more good than harm.

Now, back to that mortgage question. I’m still arguing how quickly and how to pay that off. The math suggests I could ultimately pyramid at least seven properties, using rents from the first two to pay the mortgages on all of the others. And a few short years ago, a bank would have been more than happy to lend me the money it would take to do that.

One latter-day follower of Nickerson makes it his goal to pay off one of his properties per year.

I like the idea of fixing a property, holding it for as long as the tax code encourages you to hold it, then selling and using the proceeds to pay cash for more than one property to replace it. The growth is theoretically smaller, but I really don’t like debt.

But that’s really a question for another year.

Cars for trains

Dave Farquhar Toy trains , , , , , , , , , , , , , , , , , ,

Vehicles are a frequent topic of discussion on the various O and S gauge train forms. At times these discussions can get rather heated.

Since use on train layouts is rarely the objective of the companies making various diecast vehicles, there’s no true right answer to what one should or shouldn’t use. This is my personal philosophy. Take it for what it’s worth.

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Lionel at Target

Dave Farquhar Toy trains , , , , , , , , , ,

On Sunday, I went to Target largely because I had a coupon, but I also wanted to get a gift for my son.

I had heard Target was selling Lionel trains again like in 2006, and I’d seen a picture of the endcap, which included a Lionel teddy bear in addition to the trains. I wanted one.

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How Generation X can take this country back

Dave Farquhar Society , , , , , , , , ,

I’ve done some reading in recent days. First I read that GenXers aren’t happy with Corporate America and the feeling is largely mutual. It appears I’m not the only one.

But I see an opportunity in this. We have a window to take this country back. And I have a plan.The way I see it, the unholy triumverate of big government, big corporations, and big labor has done its best to ruin this country. Big government’s mess needs no introduction. While big labor drove some necessary reforms, it lost its way, asked for too much, and today we see the result when we look at the sticker prices of GM, Ford, and Chrysler vehicles. And as for big business, I could get into specifics, but I see the problem like this: Large corporations think only quarter to quarter, chasing short-term profits and never considering the long term. They hand out raises to their workers that don’t keep pace with inflation, while their CEOs make six- and seven-figure salaries plus equally large bonuses, no matter how badly they do their jobs. Since the people who do the work feel undervalued, they tend to jump from job to job a lot, so institutional memory becomes a thing of the past.

Forget them. It’s time to escape and start over. Here’s the plan.

Minimize the risk.

You can’t very well escape corporate America’s stronghold while you’re saddled with debt. Most small businesses die within three years because at some point in that timeframe the owners find themselves unable to pay the bills. So as long as you have debt, you are corporate America’s slave.

But you can escape. It doesn’t really matter how much you make or how much money you owe–you can be debt free in seven years or less. The main reason this works is because creditors generally won’t loan you more money than you would be able to repay in seven years.

I don’t know how long this movement has existed. My mother and father in law did it in the 1980s. A classic entrepreneurial book by William Nickerson, published in the 1950s, mentions the phenomenon, so it must have existed then.

There are lots of subtle variants on the plan, but it boils down to this. Gather up all your debts–car payment, credit cards, mortgage, student loans, furniture, whatever. Figure out the minimum payment on them. Now take 10 percent of your monthly income. Pick one bill, and add that 10 percent of your monthly income to what you pay on it. (If you can afford more than 10 percent, pay that.) Make the minimum payment on all of your other bills.

After you pay off that first bill, take what you were paying on that bill and apply it to the next one. Let’s say you have two $300 car payments and a $1,000 mortgage. You could start paying an extra $300 a month on one car, for a total of $600, and pay $300 on the other car, and $1,000 on the mortgage. When the first car is paid off, the $600 moves to the other car, for $900 on the car and $1,000 on the mortgage. Once the other car is paid off, pay $1,900 per month on the mortgage.

The hardest part is initially coming up with that $300. The rest is fairly easy because you’re always paying the same amount every month, but the longer you go along, the faster you’re retiring your debt because you’re paying more principle and less interest.

How you pick the order is up to you. Mathematically speaking, you’re always best off applying your extra payment to the debt with the highest interest rate. But in every analysis that I’ve seen, the difference between paying them off in the best possible order and worst possible order is only a month’s worth of payments. Many people suggest paying off the debt on which you owe the least first, so you get the psychological boost of having eliminated one debt.

I started in November 2004. It took less than a year to pay off my car. Not long after that I got married, and it only took a few more months for us to pay off my wife’s car. Right now the only debt we have is the mortgage and my wife’s student loans. Barring unexpected emergencies this year, we should be able to pay off our remaining debt by the end of the year. (We may keep one of my wife’s student loans, since the interest rate is lower than the rate we get on one of our bank accounts.)

This is the most important thing: I fully expect to own my home outright at age 33. If I played by the rules most people play by, I’d make my last payment on it at age 58.

Here’s why I say to eliminate your debt. Take a look at what you spend every month. When my wife and I looked at our spending, we found we were spending more than $2,000 a month on car payments, the mortgage, and her student loans. Meanwhile, we were spending less than $1,000 on food, utilities, and everything else. So in theory, without debt, we could live on $12,000 a year.

Which leads to the second part of the plan.

Find a business you can start that will make you more than $12,000 a year

I’m not talking about multi-level marketing or any garbage like that. Start a real business that you control and makes money for you.

I won’t tell you what business to start, because I only know what works for my wife and me. But I’ll give you some questions that will get your mind rolling.

What can you do better than anyone else? There must be something that you know how to do really well and can leverage. Find it.

What do you know how to find or make less expensively than anyone else? This can replace the question above, or supplement it.

What do you enjoy doing? If you actually enjoy doing it, you’ll work harder and more productively. I would moonlight fixing Amiga computers if there were any money in it. Frankly I find modern computers uninteresting, so I don’t moonlight fixing other people’s computers at home, because I find it boring and stressful.

And finally, what problem do people have that you might be able to solve for them?

Mull those questions. It’s OK if you don’t immediately know the answer to any of those questions, or if you know the answer but they don’t bring a business plan to mind. Keep thinking about it, and keep looking around for opportunities.

I started looking for something in mid-2004 when I realized I didn’t make enough to support my wife and me if she was in school. I don’t remember now when I first had the idea that ultimately worked, but I followed through on it in June 2005. It took two weeks for anything to come of it, but it did finally work, and it’s still working today.

Once you get an idea, explore its feasibility. Look and see if anyone else is doing it. See if you can do it better or cheaper, or in a slightly different way than everyone else does it.

If the idea looks feasible, start doing it part-time. Don’t quit the job yet. The idea is to get established while you still have the safety net of a 9-to-5 job. If you’re thinking about a service, start advertising on Craigslist. If it’s a product, eBay and Craigslist are possible venues. The upside to Craigslist is that it doesn’t cost anything to advertise there. The real key is to look at your questions as an opportunity to get creative, rather than as blockades to your progress.

Here’s one strategy for dealing with those questions. Ask yourself those questions, especially around bedtime. Your subconscious will mull over the question even while you sleep. The answer will take some time to come, and will probably come at an unexpected time. But I’ve tried it and it works. Your subconscious mind may be the most powerful tool you have.

Notice I didn’t say to go borrow money. One of the reasons businesses die young is because they can’t pay their debts. Keep your overhead low, and you have a better chance of being successful. Operate on a shoestring.

Once you have an idea and something to do, give it a try on a small scale. At this stage, don’t put up any more money than you’re willing to lose, and don’t be afraid if your initial attempts don’t get anywhere or fail. You’re learning. If you’re starting while you still have a job and you’re in the process of paying down your debt, you can afford to fail a little. At the early stages, gaining information and wisdom and knowledge is more important than success. Get enough of those three things and you will find success, and if and when success wanes, you’ll find it again.

The problem with big government, big corporations and big labor is that they are successful, but by and large they are not well informed, they aren’t knowledgeable, and they certainly aren’t wise. That’s why we’ve seen so many spectacular failures in the last 10 years.

I see lots of small business owners who aren’t informed, knowledgeable, or wise either. When their success runs out, that’s probably the end of them. But there are also small businesses in St. Louis that stood the test of time and became institutions. Lots of Fortune 500 companies have come and gone in St. Louis since Ted Drewes Sr. opened a frozen custard stand on Natural Bridge Road in 1930. And lots more will come and go before the two Ted Drewes locations close up for good.

During this time that your small business is struggling and you’re gathering knowledge abd wisdom, you’re still working for someone else and you’re paying off your debts. But along with those struggles, you should have some encouraging successes. Follow those successes, and tweak things along the way.

Chances are, by the time you have your debt paid off, you’ll have a successful small business that’s capable of bringing in enough money to support you full-time. So you can step out of the corporate world and into business for yourself. From there, the sky’s the limit, because you’re no longer working hard to make money to support the pyramid of management above you–you only have to support yourself. And without the burden of personal debt and corporate overhead, you’ll be more free to be successful.

And how does this save America?

On May 11, 2006, Robert X. Cringely wrote, “I’m counting on Google and eBay to save America.” He didn’t elaborate, but here’s what I think he meant.

Just before the dawn of the 20th century, there weren’t a lot of large corporations in the United States, but there were plenty of bright entrepreneurs with ideas. Thomas Edison, Henry Ford, and the Wright Brothers are examples.

The problem today is that large public companies don’t breed great people like Edison, Ford, and the Wrights. The shareholders won’t stand for it. Shareholders care only about the profits on the next quarterly report, and if the company doesn’t deliver, investors dump their shares, the stock price drops, and then (and only then) executives start losing their jobs. So companies tend to play it safe to protect their executives.

We’re seeing this problem with eBay right now, of all things. While eBay remains hugely profitable, its investors got spoiled with exponential growth. Now that the profits are steady but growth has leveled off, investors are whining, and eBay is trying all kinds of goofy things to try to recapture the magic. None of it’s really working, but they sure are alienating a lot of their best merchants.

Two years after Robert X. Cringely wrote those words, I no longer know if eBay is the right company for this recipe to save America, but it has the right business model. Someone else will pick it up if eBay decides it doesn’t want it anymore.

The small entrepreneur can’t afford to compete head to head with General Motors. But Google gives small businesses affordable, targeted advertising, while eBay and other online marketplaces provide small businesses with a low-overhead distribution channel. Google and eBay (or their replacements) won’t directly save America, but the small, bright, nimble businesses that they enable will. Small businesses can afford to think long-term, they can deliver a better product with better service (and do it faster) than the huge, lumbering behemoths, and they aren’t slaves to whiney shareholders who have lots of money but little idea how to run the companies they invested in and no vested interest in the company’s long-term health because in five years they’ll have their money somewhere else.

And since small businesses have more control over their own destinies, they’re in a better position to adapt.

If we believe the Businessweek article I linked above, corporations need us GenXers. But in my experience, as well as the experience of hundreds of people who commented on the article both at Businessweek and on Digg, by and large the corporations don’t want us. So the best thing for us to do is to compete with them. And in the long run, I think this country will be better off for it.

An insider’s view of the Atari ST

Dave Farquhar Retro Computing , , , , , , , , , , , , ,

I’m sure pretty much everyone who cares has already seen this on Slashdot or wherever, but I found this blog entry from Landon Dyer, one of the designers of the Atari ST, fascinating.

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Make something! Fix something!

Dave Farquhar General , , , , , , , , , , , , , ,

Clive Thompson: I’m sitting on the floor of my apartment, surrounded by electronic parts… It’ll look awesome when it’s done. If it ever gets done — I keep botching the soldering. A well-soldered joint is supposed to look like a small, shiny volcano. My attempts look like mashed insects, and they crack when I try to assemble the device.

Why am I so inept? I used to do projects like this all the time when I was a kid. But in high school, I was carefully diverted from shop class when the administration decided I was college-bound. I stopped working with my hands and have barely touched a tool since.

I can relate a little too well.I think part of the reason I was misunderstood for so much of my career was because I used to do stuff like this. I still remember the day when a new OS arrived for my Amiga 2000. It came on a ROM chip (remember those?) and some floppies to install. I had the Amiga completely disassembled, sitting on Dad’s orange OMT table in the basement. Dad came downstairs, his eyes got big and his jaw dropped, he pointed, and then looked at me. “You going to be able to get that back together?”

I barely looked up. “Yep,” I said, continuing whatever I was doing.

Granted, the Amiga’s design made it look like an onerous task–you had to remove the power supply, the assembly that held all the disk drives, and at least one plug-in card to get at the ROM chip I needed to replace. But at this point, I’d disassembled at least a couple of PC/XTs even further than that. It wasn’t long before I’d replaced all those parts that were strewn about Dad’s table and fitted them back into the case, just as they all belonged. I powered it up, and immediately knew I was successful–all those royal blue screens of Amiga DOS 1.3 were replaced with the gray screens of 2.1.

Dad watched me put it back together, and although he didn’t say much, I think he was impressed.

That wasn’t the only modification I did to that computer. Amigas operated a bit differently in Europe and in North America because of the differing video standards. Software designed for European Amigas didn’t always run right. There was a soldered jumper on the motherboard to switch between PAL and NTSC operation. I bought a small slide switch from Radio Shack, soldered a couple of wires to the motherboard, and ran them to the switch, which I hung out an opening next to the mouse port. Elegant? Not at all. Functional? Totally.

There were tons of homebrew projects for Amigas in the early 1990s. Some worked better than others. But you learned a lot from them. And I think that’s part of the reason I look at things differently than people who grew up with Macintoshes (a closed black box if there ever was one) and PCs. Sure, people have been assembling their own PCs from components for 20 years now (ever since PC Magazine declared on a cover that you could build your own PC/AT clone for $1,000). But there’s a subtle difference between assembling components and modifying them. No two 286 motherboards were the same, while the design of Amiga motherboards tended to change very little, giving lots of time for people to study and learn to tweak them.

So while the PC owners were swapping their motherboards, we Amigans were tweaking ours to give ourselves new capabilities on the cheap. And in the process I think we were learning more.

So I agree with Clive Thompson that I’m a lot less likely to take a salesperson’s claims at face value. And I think that gave me a lot less patience with people who are. With only one exception I can think of, I always worked well with (and for) people who’d taken a soldering gun directly to a motherboard or programmed in assembly language. Thanks to these rites of passage, we had a much better idea of how things worked. And it gave a certain sense of skepticism. Commodore’s own engineers didn’t know the full capability of the machines they built. So if the engineers who design a system can’t know everything about it, then what on earth can a mere sales drone know?

And that’s why I’m reluctant to buy anything that’s just a black box if I can avoid it. What if it breaks and needs to be fixed? What if I need to change something about how it looks or works? And besides that, if it doesn’t do what it’s supposed to do, I don’t want to just throw it out and buy a new one–I paid good money for it!

But I have my limits. A few years ago I checked out some books on repairing Lionel trains from the library. The books suggested using mineral spirits to clean out the old grease and oil from a motor and bring it back to life. That would be good advice, except for one thing: I had no idea what mineral spirits were (a kind of paint thinner), or where to buy them (a paint store or the paint aisle of a hardware or discount store). And have you ever tried to punch it into Google? Trust me, in 2003, there weren’t many answers. The Wikipedia article didn’t exist until 2005.

I’m sure there are lots of people who are laughing at me because I didn’t know what mineral spirits are. But I’ll bet you that if you were to go find my 120 or so high school classmates and separate out the males who lived in the suburbs whose fathers were white-collar workers, the overwhelming majority of them would have no idea what mineral spirits are either. Why not?

Because when we were growing up, we were college-bound. People like us didn’t need to know what mineral spirits are. We needed to know things like the fact that there’s no such thing as the square root of a negative number. (Yes, I know that’s not a correct statement–but those were the exact words of my Algebra II teacher, and those words cost me a lot a couple of years later.)

I even remember one time, a group of us were talking about something, and one classmate’s name came up. “He’s going to end up being a plumber,” someone snickered.

Never mind that the last time I had to call a plumber, my plumber most certainly made more money than I made that year, and he probably got a head start on me because he didn’t have to go to college for four years either.

One of the reasons plumbers make a good living is because so many people don’t even know how to shut off the water valve when their toilet leaks, let alone how to go about fixing that leaky toilet. For the record, I can shut off the water valve, but I don’t know how to fix the toilet. I’m hoping they’ll show me on This Old House sometime.

My gripe with DIY books today is that the authors don’t necessarily realize that there are one or possibly even two or three generations of readers who may very well not know the difference between a wood screw and a machine screw. They don’t learn it in school, and Dad might or might not know, but in an age when fewer couples marry and divorce rates are sky high, is Dad even around to tell them any of this stuff?

Today, I couldn’t care less about imaginary numbers. But I’m reading old DIY books, desperately trying to learn the lost arts of making and fixing things. Thanks to Disney and other useless companies, I can’t use a computer to locate digital copies of anything newer than 1922. That’s a shame, because it condemns all of the DIY books of the 1930s, 1940s, and 1950s to obscurity. They won’t be reprinted because there isn’t enough market for them, they aren’t worth the expense of hiring a lawyer to find out if they somehow slipped into the public domain before the laws started really changing in the 1970s, and they’re scarce enough that you won’t always find them where old books lurk, making them a bit more difficult to borrow or purchase.

That all but eliminates a golden age, limiting me to 1922 and earlier. But admittedly it’s very interesting to read how people made and fixed things in the decades immediately before and after the turn of the previous century. So many books today start out with a list of exotic and expensive tools before they tell you how to do anything. One hundred years ago, people didn’t have as much money to spend on tools, and since things like electricity weren’t necessarily always available, there weren’t nearly as many exotic and expensive tools to buy either.

I found an incredible quote in an 1894 book by Charles Godfrey Leland, a teacher and author from Philadelphia. “It is much better not to have too many implements at first, and to learn to thoroughly master what one has, and to know how to make the utmost of them. This leads to ingenuity and inventiveness, and to developing something which is even better than artistic skill.”

That’s not just good advice for metalworking, which was the subject of this particular book. That’s an excellent philosophy of life.

Unfortunately right now I have more time to read than I have to tinker. But I think once I have a little time to tinker again, I’ll be able to make some nice stuff. And maybe someday when someone says they don’t make ’em like they used to, I’ll be able to smile and say that I do.

And here\’s something for you…

Dave Farquhar General ,

Last night my wife and I watched Dead Men Don’t Wear Plaid, a Steve Martin movie from 1982. It’s a parody of film noir movies from the 1940s and 1950s.Some reviews criticize the plot as being too simple or too unbelievable or too formulaic. I can see the point, but this is a parody. Off the top of my head, I can’t think of a single parody that had a plot that would have made Shakespeare jealous.

As entertainment, I think this movie is a home run. Even though the movie is about a murder investigation in which Martin’s character gets beat up a lot, it’s not a violent movie. There’s some double entendre in it, but not as much as you would see in a typical sitcom on network TV today. And I don’t think there’s any foul language in it either.

But more importantly, it’s funny, which is good, because that’s what it set out to be. I don’t want to give away the jokes, but the scene where Martin shows up with a puppy for a peace offering had me laughing longer and harder than I’ve laughed in years. And you’ll probably be able to watch the scene two or three times and notice something you didn’t notice the first time.

And if you’re a fan of old movies, you can have fun watching the old clips interspersed within and play guess-the-actor and guess-the-film with them.

If it sounds promising to you, buy it (used copies are pretty inexpensive online–around $5 plus shipping). Or the next time you’re in the mood for a movie and none of the new releases look good, give this oldie a spin.

But don’t blame me if you end up buying it.

Getting started in eBay

Dave Farquhar Careers , , , , , ,

When I was hitting estate sales this weekend, an individual holding a sale figured out I was buying things to resell. He assumed I’m an eBay seller and started asking questions about getting started in eBay. I thought they were interesting, so I’ll repeat what I remember of the conversation here.

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The suburb where Hornbeck and Ownby were found

Dave Farquhar St. Louis , , , , ,

St. Louis is in the national news again because of the bizarre case of missing children Shawn Hornbeck and Ben Ownby, who were found in the Kirkwood apartment of Michael J. Devlin.

Kirkwood.

Kirkwood?Kirkwood is a largely upper-middle class suburb west of St. Louis, roughly bounded by Interstates 44 and 270. The main north-south drag through St. Louis County, Lindbergh Boulevard, runs pretty much straight through Kirkwood, although its official name there is Kirkwood Road.

While Kirkwood isn’t as ritzy of a place to live as some of the suburbs to the north and west, such as Chesterfield, Ladue, or Town and Country, if you’re a professional there’s still plenty of prestige to living in Kirkwood. It says that you’re successful and have an appreciation of history.

I never lived in Kirkwood, but my first job was at a roast beef joint, long since closed, in Kirkwood, exactly 1.7 miles from the apartment where they were found. I went to 8th grade at a private school in Kirkwood, less than half a mile from the pizza joint where Devlin worked as a manager. The church where I was confirmed and took Holy Communion for the first time is also the same distance away. I bought the last Christmas gift I got for my dad before he died at a hobby shop just a block or two north of that pizza place.

Although there are exceptions, Kirkwood isn’t exactly a cheap place to live. Founded in 1853 and named for James P. Kirkwod, the first chief engineer of what became the Missouri Pacific Railroad, Kirkwood is a very old suburb, and it shows. Northern Kirkwood is known for its large, majestic Victorian-style houses. Although the edges of the town have taken on the look of post-1950s suburbia, Kirkwood has a very old-fashioned downtown, with storefronts that bring the first half of the 20th century to mind. There are lots of specialty shops there, and numerous restaurants that are either local chains or one-of-a-kinds. It’s a pretty good place to take your significant other for a night out. For that matter, if you wanted to take your kids out for pizza and ice cream, downtown Kirkwood offers several good choices for both.

The pizza parlor where Devlin managed is one of those choices.

To the south, there’s a large, modern commercial shopping district bounded on the north by Big Bend and on the south by Interstate 44, that has lots of big-box stores like Target, Lowe’s, Hobby Lobby, Wal-Mart, Office Depot, and the like. Virtually everyone who lives in the populous suburbs of south and west St. Louis County has probably had occasion in the past year to shop at least once in this district. Devlin lived in a $495-a-month apartment less than two miles away from this busy shopping district.

Also less than two miles from where Devlin lived, and less than half a mile from where he worked, is The Magic House, a very popular, nationally known children’s museum.

All of this probably has a lot to do with why this story ended up on the front cover of Newsweek magazine this week. It’s unusual to find not one, but two missing children, including one who had been missing more than four years, in the same place. But it happened in a populous suburb where so many people gladly take their children to spend an enjoyable weekend afternoon or Friday night.

Some people have questioned how Devlin could have escaped detection for as long as he did. But speaking as someone who knows Kirkwood well, Kirkwood is the last place I would have thought to look.

Kirkwood’s motto isn’t "Where America takes its families," but if Kirkwood wanted that title, it would have as much right to it as anyplace.

We never thought that included kidnappers.

An O scale glossary of sorts

Dave Farquhar Toy trains , , , , , , , , , , , , , , , , , , ,

I just spent some time explaining some of the terminology that goes along with Lionel and other O gauge and O scale trains. That made me think maybe a definition of some terms might prove useful to somebody. So here’s an O scale glossary.

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