What salary do I need to buy a house?

What salary do I need to buy a house? I struggled with that question in my 20s and it probably kept me renting a year or so longer than I really needed to be. Then again, considering the housing crisis of 2007-2008, renting a year or so longer was a small price to pay to avoid potentially making the biggest financial mistake of my life.

One of the reasons for that financial crisis was not enough people asking that question. A second reason was banks being dishonest about the answer. For the record, I think buying a house is a good idea and it’s worth it. But you have to be sane about it to keep from getting into trouble.

Read more

Linguistic analysis isn’t hooey

For the second time in two months, I’ve seen a case where a linguist analyzed writing and tried to conclude whether someone was or wasn’t the author of a suspicious e-mail message. The first was a threatening letter purportedly sent to Christopher Coleman, who was convicted last month of murdering his family, and the other was Paul Ceglia’s attempt to prove he owns a substantial share of Facebook.

The inevitable flood of comments calling such analysis “black magic” followed. But as an author, I have to give validity to it.

Read more

Why working fast food and retail was good for me

One of my former high school classmates is concerned. Her seven-year-old’s life ambition is to work at McDonald’s.

I told her not to worry. I didn’t work at McDonald’s, but I spent 2 1/2 years working another, nearly defunct fast-food chain, and that motivated me more than anything to go to college. And then, working two years off and on in retail motivated me to finish college.

What does religion have to do with the United States falling behind in math and science?

This morning on one of the Sunday morning political shows (probably "Meet the Press"), I heard a statement that troubled me. I may be misquoting, but I heard the moderator ask how we can afford to have a vice president who believes in Creation in a time when the United States is lagging so far behind in fields like science and engineering.

I call irrelevance.

Paid in full.

This week, my wife and I drove to the bank and signed some papers initiating a wire transfer to our mortgage company.

Yesterday, I had the satisfaction of logging into the mortgage company’s web site, clicking on my account, and seeing the words “paid in full.”

I moved into this house in October 2002. Five years and eight months later, I own it outright. Between the house and our cars, my wife and I have paid off nearly $180,000 in debt in those five-plus years.

Palladium and You

There’s been a lot of talk on the Web lately about Palladium. If you don’t have strong feelings about it, it’s probably because you’re not a bleeding-edge computing enthusiast. That’s OK. You’ll hear about it in time.
Basically, Palladium is Microsoft’s initiative to reinvent the PC and make it more secure. There’s a big uproar about it because it reeks of ulterior motives. Some fear Palladium means you will surrender all rights to your PC and cede them to Redmond.

I’m not totally convinced this is a bad thing.

Read more