Distraction and Action – The Internet and Your Brain

It’s very unusual for Michael not to show up to work. My guess, he’s either deeply depressed or an icicle has snapped off his roof and impaled his brain.  – The Office

DSC03864

The Boy, praising the giant stone head which holds the entirety of the Internet, at an undisclosed location in Texas.

“The world wants to be deceived, so let it be deceived.” – Someone Dead, Probably a Roman

You have to be there to win.

You can’t achieve, or even focus, if not present. I’ll not define achievement or focus, you can probably figure out what I mean by those, but I will speak a bit about being present.

Being present is having your focus here, right in the place that you are at, and now, as in focusing on the present moment.  It implies both locality and attention.  If you are truly 100% present, generally there is nothing wrong with the world, no worries.  You are where you are, doing what you’re doing.

It’s been my experience that right now, at this moment in time, there are very few things that concern me or bother me to the point that it pulls away my attention.  The sun is shining, Pugsley is mowing the lawn with the push mower, The Boy is concocting a new app that combines AirBNB and Twitter (BedWitter) so you pay for your room rental with witty comments, The Mrs. is doing some work on a novel, and the pork chops are marinating on the counter prior to their encounter with the grill tonight.

So, in this moment in time, as Rainbow talks about a Man on the Silver Mountain (it’s a song), I sit and type in utter peace – I’m stuck here in the present, fully focused on the moment, and at this point in time, there’s nothing wrong in the world.  Well, my beer might be low, but I know where another one is.

The content on the Internet is evolving, and its sole purpose is to pull in more and more of your attention.  Why?  That’s what funds it.  It’s been that way for a while – media is funded by that which grabs your attention – good ratings=high attention and that results in more products like that.  But the Internet has allowed measurements that are to the millisecond – how long has your attention been taken, what did you buy later, what did you click on?  The technology exists today to understand who you are through a fairly small number of clicks, even on a browser you’ve never been on, and to understand what drives you are as an individual.  Maybe even better than you do.

What are the apps that do this very well?

You know them, and many of you interact with them daily:

  • Google – The big dog – probably knows what you’re going to search after a character or two. I was shocked to find out (in 2005) that a search on my work computer gave a different list than on my home computer.  Now, 12 years later?  I imagine each individual gets tailored results, by device and location.  Thankfully they’re not evil, right?
  • Youtube – I’m listening to music on it right now as I type this. And it picks the next song, so when I get in a writing haze, really focused on the work, seven songs that I love can blend seamlessly into the background, without me noticing.  And I get different Youtube content suggestions on my phone, because I listen differently on it.
  • Facebook – I’ll admit that this is an application that I’m not on, and it’s one I never really got. The Mrs. got on to promote her book, but I don’t think she uses it all that much.  But, boy, when I say I don’t Facebook I get funny looks.  It’s like I’m not exactly human, some sort of pre-technology throwback.  I figure if my friends want to talk, they’ll call.
  • Reddit – Been there, but it’s not even weekly that I visit. Good concept.
  • Twitter – This is one that seems to be the real wave of the future, but people can’t figure out how to make money owning Twitter – it’s like owning that kiosk where everyone puts up random notices. It would be way better real estate if you could get the hippys out.

What drives your behavior?

I hate to tell you, but the Internet is driven by your brain, specifically your amygdala.  Your amygdala is where your strong emotions come from, and the internet is evolved to stroke those emotions to get you to take action based upon what your amygdala wants:

  • Sex – This goes beyond porn sites, but also includes the sidebar ads on the sites you visit with girls in bikinis with a headline “You won’t believe what happened to the cast of Malcolm in the Middle!” It’s a primary psychological driver, and (really) has resulted in some of the most significant technological advancements in information technology, like streaming video.  You like YouTube?  Shake a porn star’s hand (but wear a glove, really).
  • Outrage – OMG! What did Trump do?  OMG!  Did you see what Obama did?  These sorts of stories are intended to drive you into an emotional frenzy, based upon something you care about.  Its stories like Cecil the lion that feed this side of the Internet, creating a frenzy that burns itself out when the new frenzy appears.  Just think about what Jimmy Kimmel is crying about this week, and you have a good idea what the latest frenzy is.  This outrage feeds your amygdala, and, let’s face it, sometimes you just want to fight.  (Hint: that’s your amygdala.)  The internet drives you (along with other people that think like you) straight to the fire so you can pour gasoline on it.
  • Trivia – The shear amount of information that exists on the Internet is enough to keep you swimming in it for hours if you let the current drag you away. Ever look up “Dogs” on Wikipedia and end up in an engrossing article about 17th century French bottle manufacturing techniques?  Yeah, me too.
  • Fear – Hacking at your brain – see the adds that say “here are the three things your doctor doesn’t know about the CANCER THAT IS EATING YOUR BRAIN RIGHT NOW” alongside a picture of a forearm that has hair on it.   Feeding your brain.
  • Envy – Facebook is awesome at this one – your friends don’t show you pictures of the monthly bills for that new Porsche®, but they sure do post pictures of the car. When living in Houston, I would be sitting at a stoplight and see a beautiful Mercedes pull up next to the Wildercar.  I tried to pull up a statistic about the number of new Mercedes that were bought with a loan.  I can’t find it now, so I’ll make it up – 87% of Mercedes purchased are bought by someone with less than a million net worth and they owe money on it.
  • Desire – Envy’s brother. See a nice bauble on Amazon?  You’ve lived your entire life without it.  But now it’s your precious, and you’re its Gollum.  Hint: avoid hobbits – it won’t end well.
  • Pride – You really want put that picture of you and your new Porsche© on Facebook. That’ll show ‘em!

So, essentially the internet has evolved to focus all of your presence and attention on the seven deadly sins.  And this is what we’re teaching the vast artificial intelligence that we’re creating.  And we’re feeding it with our behaviors and attention constantly.

It also dulls our sense of wonder.  On the Internet, you can see the best and most extreme of everything, all at your fingertips.  So, seeing a guy jump off a 25’ cliff into a pool of water below?  Yawn, but on the Internet, you’re staring at a little square screen that is where you are giving precious minutes of your life, but it’s so distracting!

Don’t get me wrong, the Internet is a truly amazing servant.  It provides great venues for learning, specific fact finding, this blog, comparison and quality shopping, this blog, low cost instant communication, this blog, real time storm warnings, this blog, long distance work collaboration and, of course, this blog.

On a recent vacation we stopped for breakfast at a Denny’s® (little known fact: La Quinta is Spanish for “Next to Denny’s”) and had to wait about five minutes.  As I scanned the crowd of other potential pancake patrons, I noticed that EVERY SINGLE ONE OF THEM (including parents) was head down in a phone.  Not a single person was legitimately present.

After noting the Wilder fam following into a similar pattern, I decreed a ban on cell phones at dinner.  They stayed home or we weren’t going to go out to eat.  Pop ‘em on the table, folks.  Likewise, at home, at dinner – nope.

Although I would dearly love for the family to take their phones into the hot tub, they leave them out.  So, dinner, hot tubbing, board games, patio days (going outside and just hanging on the patio all day) and cooking barbeque are all times where we have miniature Internet breaks.  The result I’ve seen is those are the closest and most genuine moments that we have as a family.  We’re genuinely happier when we cut out Zuckerberg and Brin.

But right now I just have to see what Chelsea Clinton said to Trump on Twitter®!

Chime in below on how you rule your brain in a world of distraction  . . .

Change Is Based On Emotion

Now, ironically, in astronomy, the word “revolution” means “a celestial object that comes full circle.” Did you know that? Which, if you think about it, is pretty funny, considering here on earth it means change. – Fargo (Series)DSC03299

Change sometimes comes best from the barrel of an anti-aircraft gun. (That’s The Boy, some time ago, as he weighs 190 pounds now (that’s 431 stone or 650kg).

In my experience, people are sticky.  No, not the “haven’t showered in two days in 105F weather and I just ate a runny ice cream cone and have no paper towel” sticky, but the “not going to change my habit” sticky.  Habits are sticky things, especially the ones that are bad for you.

Like tobacco.  Mmmmm.

It has been my experience that people experience lasting change for two (and only two) reasons:

  1. Extreme Emotional Impact – An extreme emotional event is one directly related to the behavior that results in change. And I mean extreme, not, “it’s snowing outside – I think I’ll lose 10 pounds.”
  2. Somebody Else Really Thinks You Should Change – This always works. Wait . . . this never works.

I guess that leaves one (and only one) reason that people change – Extreme Emotional Impact.

I have done a quick Google® search and have determined that most people who write about change on the internet and say that they have coached change, have probably never left their mother’s basement and interacted with another human being.  Some of their answers are awful.  A sampling of their “Reasons People Change’:

  1. They Have Learned” – No, sorry, as much as I like learning, it’s about as effective at changing habits as a newborn baby otter is effective at changing the oil in a 1980 Fiat Spider (hint, it’s an Italian car – you don’t change the oil, you just replace the oil that leaked out).
  2. They Have Suffered” – Good heavens, we have all suffered for years with the Kardashians. No change noted.  Suffering does not equal change, not even spare change.
  3. Tired of the Same Thing” – I ate the same hot ham and cheese sandwich for four years of high school. Well, not the same sandwich, it was a different sandwich, but it was the same kind of sandwich every day.  Change potential?  For me, not high.
  4. Want To” – The worst one so far. Everyone wants to change something.  Most of us never make any significant changes.    I “Want To” start a billion-dollar business.  Change based on “Want To” starts in . . . never.

There are more, dozens, and some are high-school term paper bad.  A couple of people, however, got close to the right answer (John Maxwell, Steve Aichison) but they used way too many words and are not nearly as cool as me.

In my years of watching and being a people, I have seen zero (nada, zilch, none, empty set) people have a significant change without emotion being the driver.  And by change, I don’t include changes that violate basic laws of physics, like pretending an amputated uvula is still attached.  I still miss my uvula, which I lost in a tragic ukulele accident at Camp Oconda back in ’03 while camping there with Thomas Edison and Henry Ford.

There must be an equivalence and proportionality between the emotion and the change being sought – a stubbed toe will not give enough emotional energy so you can heal your relationship between you and your cheese-eating sister.  A death threat is not generally required to get someone to turn off the lights as they leave a room (with the exception of Pugsley, who seems to like all the lights on).

Two years ago, a friend of mine didn’t show up for work.  A bit later, I heard that his boss had gone to see him in the hospital.  I saw him about two months later – he had lost about 30% of his body weight, and he wasn’t all that chubby to start with.  Turns out he’d had a heart attack, a triple bypass, and had taken the doctor very seriously when he said lose weight or die.  My friend lost the weight, and has kept it off.

His mood was great, too.  I imagine that when you survive a heart attack, the little things that used to bother you (like running out of Pez© on a Thursday when the Pez™ delivery man doesn’t show up until Friday) all of a sudden lose their power over you when you’ve been in agonizing pain and about ten minutes away from seeing if all those prayers paid off.  He has two young children, and I imagine the thought of leaving them orphaned is probably a kicker.

Even with an emotional event, another necessary ingredient is that you have to have a reason to change.  Doesn’t have to be a great reason, but you have to have a reason.  If my friend hated his life? Meh, another cheeseburger, please.

The significant change I’m personally most proud of came in January of 2012.  I decided I was done with tobacco, and was worried (based on looking at my gums) that I was doing real long term damage, like deadly, to myself.  (My dentist says it all looks mahvelous now, so, not an issue.)

It was emotional for me, and I decided I was going to quit.  Despite not liking my tobacco use, The Mrs. had never once asked me to quit.  In reality, that would have had the opposite effect, BECAUSE MY SOCKS CAN STAY ON THE FLOOR!  But I announced my intentions, and quit a day later. Five years ago.

Do I miss tobacco?  (EVERY SINGLE DAY.  EVERY MINUTE.  I LOVE IT.)

Maybe a little.

I love the smell of it.  I love the taste of it.  I love the feel of it.  If anyone ever tells me, “John Wilder, you have six months to live,” I am going to buy 500 gallons of it and fill my hot tub with it and bathe in the tobacco until I twitch like a poisoned cockroach.  I didn’t say it’s good for me.

But I don’t do that now.  I had my emo-moment (or is that an emo-momo?) one night when I really pondered if I was killing myself quickly, and decided to stop.

Emotion mixed with purpose, and it was over.  I’m done.  It’s a powerful combination.

If you look at the attempts that advertisers use (more on this on Monday) to get you to purchase Pez© or Matthew McConaughey’s sweat gland extract which he waxes about in his low monotone before going home to play naked bongos at 3AM, your emotion is their target.

Thankfully, though, I was able to use my own emotion to make the personal change.

And I’ve used emotion in the past to fire change that has been beneficial and healthy for me.

So, people are sticky.  And I know that applies to me, too, especially in July when I’ve just finished that ice cream cone and have no paper towel.

Shake?

So, what’s your biggest change?  How do you deal with being covered in melted ice cream?

Homes: Affordability versus Income

“Well, you know, I’ve been lying about my income for a few years; I figured I could afford a fake house in the Hamptons.”-Seinfeld

DSC02453

Our old Alaska home.  Photo by The Boy.

Houses are both an economic and emotional topic.  As a half-human cyborg travelling back in time from the year 2000, I tend to focus on the economic side of the equation, however I realize fully that there are a huge number of emotions (like happy, or sleepy, or caffeine) tied up in a house.

A house can also be a home.  And a home is for living in, for entertaining, for loving in, for building memories, for first steps, for raising children.  It’s also where I keep my pants, and that is fairly emotional for me, too.

The process of home-buying is built entirely around emotions.  The agent taking you around to view properties will have the emotional antennae of a cocker-spaniel with daddy issues, attempting to understand what you like, and, if they’re good, they’ll swap around the listings to show you the one that they think you’ll like the most as the last one on a long day.  It’s happened to me.  It’s effective.  For the most part, you’re tired at the end of the day, and you don’t even blink when the realtor tells you about the repeated haunting of the house by the soul-stealing-infant-snatching ghost.  Honestly, you can always get another infant, right?

When selling, though, the realtor puts on an entirely different hat.  It looks a lot like the Pope’s, but it’s orange.

A list of things we’ve been told:

  • No odd objects. Where did you even get a Battlestar Galactica helmet?  Do the lights work and everything?    (Apparently the buyer can’t imagine their things in the house if yours are too striking or unusual, like that coffin we keep in the corner with Uncle Drago’s skeleton.)
  • The smell of freshly baked cookies should permeate your house. If you grill a burger?  It should smell like a cookie.
  • Move your, um, things out. We can then stage it with things that normal people might own.

There’s also a huge amount of emotion based on the selling price of a house.  I’ve seen (and when I was younger, I was guilty of) being emotionally tied to the value of the house.  The value of the house was a reflection of my value!  How dare you say you don’t like the color?  I painted that!

Also guilty of?  Emotion in negotiation.  True story, I once negotiated back and forth so often that the realtors (both of them!) pitched in to close the difference.  At the end we were arguing back and forth over 0.25% of the price.

Also guilty of?  Mixing emotion in with the inspection report.  The Home Inspection is the rite of passage for a home whereby an inspector tries to make the current homeowner’s head explode by picking out every tiny possible thing wrong with a house and then whining about it.  I mean, what’s wrong with exposed copper wiring in the children’s playroom?  They love the way it makes their arms vibrate when they grab it.

I know that emotion is important to those of you who had that chip implanted at the factory.  But, really, in the longer term economics is more important.

In my opinion, the most important aspects of home ownership are:

  1. Affordability/Tax Deduction – When I moved to Houston, I was talking on the phone to the nice lady at the mortgage company, and she said I qualified for a loan that was eight times my salary. The payment alone would have been enough to keep President Trump in hair product for a month.  Me:  “Why would you even offer me that, there’s no way I could ever repay you?”  Her: “I have to tell you that you qualify for it.  They make me.”  More about this topic follows.
  2. Insurability – Let’s pretend you buy a house. Can you even get insurance?  Check with your company – they have a list of houses that they won’t insure based on previous experience and claims at the house.  It’s a downside of the data-driven world, but your mortgage company (unless you’re buying outright) will demand you have insurance, lest they unleash a cauldron of lawyers to play Justin Bieber songs outside your window all night long until you are insured.
  3. Cost of Upgrades/Code Compliance/Upkeep – Over time, these items add a lot to the cost of home ownership, not to mention the amount of personal time you have to spend polishing the Great Orb in the back room, and making sure that the bare wires in the children’s playroom are where they can reach them.
  4. Cost of Commute/Time – If you have a job, where your house is determines how long it takes you to get to work, unless you’re a witch and can teleport. Commuting costs time and money, and detracts from your ability to spend time with your family though, with some families, that might be a plus.  A little more on this follows.
  5. Resale/Future Value – I know I put this kind of low, but this is my list – yours will likely vary. My actual results are below.
  6. Cost of Private Schools/Time – We’ve always bought homes where we didn’t have to worry about this – the public schools have been adequate, and in small-town America, most are pretty good. Our worst schools? Houston area.
  7. Storage Costs – If you buy too small of a place, this might be a thing. Hard not to buy an adequately sized place where we live.

Item 1. In the list above is where it is because, for me, it’s been the most important.  You can have an awesome place that you can’t afford, and that wrecks your life, since the insurance and taxes are consuming so much of your income.

Home Number 1 2 2A 3 4 5
Home Cost as a % of Gross Income 22% 17% 20% 17% 14% 5%
Return (Annual) on Sale 16% 3.4%   11% 0% N/A

Home 2A was a refinance, home 5 is our current home.

Affordability

My experience on home price to income:

  • Home 1: Too expensive, very little money left over.  The cheapest home on the list, but also my lowest income.  Bought at just the right time, but wasted the equity on Pez®
  • Home 2: Next house. Even at 17%, the house was too expensive, but primarily because other debt loads were too high.
  • Home 2A: Same house, just refinanced to buy more Pez®.  Got rid of car payments, so very livable.
  • Home 3: Great house, made a killing, no car or Pez© debt, so that worked for us.
  • Home 4: Debt level okay.  Also a help? We still had no car payments.
  • Home 5:   Next to no income spent on the house.  Plenty of money for Pez™!

Cost of Commute/Time

Home Number 1 2 3 4 5
Commute Time Minutes 20 20 10 30 20
Commute Cost (at $0.35/mile) $14 $12 $6 $14 $14

 

Meh.  Not a lot of difference there, though I will say the 10 mile commute was awesome, and sometimes I biked to work.  In Alaska.  Yeah, it was awesome.

Resale

As you can see, I’ve never lost money on a house transaction.  House 4 was our most expensive house to date, and I had to sell it in the middle of the real estate crisis.  It’s at a zero instead of a negative (it should be about a 20% loss) but when I took a job with that company, one of the conditions on the job offer was that, if they moved me, I would, at minimum, be kept whole on the house.  Nice work, and it was an easy negotiation that took the form of one question, followed by a “sure, we can do that.”

It’s likely that whenever we sell our current house, it’ll be at a loss.  We bought it at a time when the market was (locally) pretty hot, but those days are likely gone.  It’s okay, because at my current equity and payment, it’s really not a strain.

What would have been a killer for me would have been living in a house that was too expensive and unaffordable.  Based on the above, I’d peg that as a total home payment (including taxes and insurance) of less than 1.4% of your annual income.  Above that, and I think (depending on your debt structure and payments) that is enough that ever purchase has to come under extreme scrutiny.  And it gets tough, and life is much less fun.  So, I’d go for a less expensive house, even if it means living with the soul-stealing-infant-snatching ghost.  At least it does dishes more frequently than Pugsley or The Boy.

John Wilder may be a Nobel©®™ Prize winner, but he is not a financial advisor.  So, talk to someone who isn’t the Internet equivalent of Bluto Blutarsky.

Talent Stacks

“She’s not a superhero; she’s a weirdo.” – Stranger Things

DSC01911Talented?  Hmmm, lucky if you ask me.  Except for The Hulk.  He’s got talent.

Scott Adams (of Dilbert fame) created the concept of the Talent Stack and wrote about it in his book How to Fail at Almost Everything and Still Win Big: Kind of the Story of My Life.  I have always enjoyed Mr. Adams’ work, and appreciate his sense of humor, but I think I like his unique ideas even more.  And this is an interesting one.

Talent

One way to be great is to have a singular talent that nobody else possesses, like, Keanu Reeves.  Keanu is the most talented person on the planet earth, because?  His talent is literally and only “Being Keanu Reeves.”  Neo in The Matrix and Bill in Bill and Ted’s Excellent Adventure?  Same dude.  But Keanu also doesn’t age due to a pact he made with an old gypsy woman on a mountaintop in 1643 in Bulgaria, so that has to count as a second talent.  But we’ll pretend that doesn’t exist for now.

Bulgaria or not, you will never be Keanu Reeves.  (Unless it’s you, Keanu!  Hi!  It’s okay for you to be you!)

Talent Stack

Let’s take a second person.  Say, Peyton Manning.

Peyton has multiple talents – he’s tall, like 7’8”.  In his prime he could throw a football adequately, but never the best in the league.  He had a talent (built up out of long practice) of being able to understand a defense and what opportunities it provided his offense.  He could also lead a team on the field.  He ran, however, like a burning stork being chased by Hillary Clinton.  Pretty slow.

Was he world class in any of these talents?  Not really, but probably pretty close in his understanding of the whole offense/defense thing.  His talent stack made him great.

In Mr. Adams’ thought, in order to be great, you don’t have to be great at everything, you just have to be adequate at a bunch of little things.  It helps to be great at some, but it’s not required.  Here is his analysis of Donald Trump’s talent stack.

I tend to take this analogy in a slightly different direction – as an individual it’s horribly hard to compete against a big company.  Let’s pretend you want to duke it out, toe to toe against Google®.  You might be an awesome programmer.  But in order to compete you have to also be an awesome marketer, accountant, leader, financial wizard, and about a hundred other things and there wouldn’t be any you left over to eat Pez®.

Where I Throw In One Too Many Football Analogies

One more analogy – if you have a football team that’s all quarterbacks and defense with no other offensive players?  You’re not very good (sorry, Houston Texans™).  That’s a horrible talent stack.  So, not only do you have to have adequate talents, you have to have the right talents.  The Patriots® don’t have the best at, really, any position.  Tom Brady is a decent quarterback, but the year he was out injured?  The number two guy did just as well.  And when they traded him?  Umm, I think he’s a beet farmer in southern North Dakota.  That team regularly transforms mediocre players into a championship roster.  They cover all of the positions adequately.  Oh, and occasionally they cheat, which is a talent all in itself.

My theory? A talent stack in a single person is exactly like teamwork in an organization.

So, while acknowledging that it’s impossible for me to be Keanu Reeves, I will say that it’s not impossible for me to be wildly successful with a decent talent stack.

What kind of talents fit in a talent stacks?

Most attributes a human can be good at.  Piano.  Chess.  Necromancy.  Running.  Eating a Slurpy©.  Knowing how much cheese to put in a bowl of chili.

And most talents are talents that most people can be adequate at, with a bit of work and practice (with the exception of the cheese/chili ratio).  And if you’re not good at them?

But they can also point out areas where you have crucially missing talents.

The downside of this, for stupid people, is the Dunning-Kruger Effect, whereby people that are too stupid, are too stupid to realize how stupid they are.

The study was inspired by the case of McArthur Wheeler, a man who robbed two banks after covering his face with lemon juice in the mistaken belief that, because lemon juice is usable as invisible ink, it would prevent his face from being recorded on surveillance cameras. (Wikipedia)

I suspect it’s also similar for people who have glaring deficits of social skills as well as cognitive skills, but being as socially adept as I am, well, I certainly wouldn’t know.

Where to Get Better

I really do think that the biggest returns you can make are when you work on your best talents, as long as the basics that you need to cover are covered.  You probably don’t need to be a great accountant at your small business, unless your business is accounting.  (Then you probably need to be a great accountant.)  Imagine, if you will, if someone told LeBron James that he should spend more time on math.  That would likely have been a waste, unless LeBron could improve his jump shot by using differential equations.

So, to summarize:

  1. Talent – Having a strong talent will take you places, unless the talent is eating Doritos©. Then I can’t really help you.
  2. Keanu Reeves – Doesn’t age. And makes movies based upon being Keanu Reeves for a living.
  3. Talent Stacks – It’s like having Multiple Personality Disorder, but with much more profit.
  4. Singular Talent Vs. Talent Stacks – It’s like being a dentist vs. winning the lottery. Be the dentist.
  5. If You’re Stupid – No real hope for you. Enjoy the lemon juice.  And the prison.  Please don’t have kids.
  6. Talent – Is probably not enough for you. Or me.  Or anyone but Keanu.
  7. Talent Stacks and Team Work – Similar to each other.
  8. Where to Focus – On what you’re good at, as long as that talent is useful.

So, my talents?  I like humor, can math, like to write, and I generally show up to work on time.

What about you?