Thursday, September 29, 2011
All's Fair in Words With Friends
WWF is played on your computer or other electronic device which sort of makes it Scrabble on steroids. One can play several different games at the same time, and there is no time limit during which you must make your move. This latter feature is critical as it affords one the opportunity to go make nachos or vacation in Paris between moves.
But WWF, like it’s cousin the World Wrestling Federation, is not just a game but bone-crushing, contorted , and sometimes serious competition. It certainly gets one's competitive juices going, and in some instances it keeps people from carrying out important daily activities like working, sleeping or going to the bathroom.
It's especially distracting when people send me game requests or "moves" during the business day, which is loosely defined as "when I happen to be sitting at my desk." Last week I was in a critical phone discussion about a real estate contract that will certainly never close and pay actual money. Thus, I put the party on speaker phone while I scoured my computer screen trying to find a strategic placement for the “Q” and other random letters which I’d been dealt. When asked an important question about a key paragraph in the contract, I started to blurt out “Quasar!” As if this wasn’t bad enough, I contemplated concluding the call by saying “while I have no substantive issues with this contract, I believe your use of the word ‘estoppel’ should be disqualified because it might be a proper noun.”
WWF causes one to contemplate drastic things like cheating, stealing, and opening a dictionary. The other night in a desperate attempt to keep my wife from taking a three game lead in a best of seven series, I started dreaming of buying vowels on the black market from a Colombian vowel-lord. Since there is no time limit for making a play in WWF, one has unlimited opportunities to consult friends, relatives, or the late Noah Webster. If particularly devious, you may consult Scrabble websites by asking questions like “What’s a five letter word that starts with Z and ends with R and has a J as the third letter?”
I would never do any of these things, unless the game is against my wife. She is a wordsmith, par excellence, so I will resort to all manner of deceptive practices in my attempts to beat her. Last week while she was taking a shower, I happened to walk by her computer and noticed the game we were playing against each other right there on the screen in front of me. It was her turn so I decided to help out by making a move for her. It just so happens the word “IT” was the only play I could see in the three seconds I had to make the decision. Can I help it if “IT” is only worth two points? She should’ve logged out before taking a shower....
Not only is my wife extremely competent--dare I say talented--but she knows words that I shouldn’t know. The best example is her use of profanity against me. While engaged in WWF competition, I will not resort to using synonyms for “defecate” and the like, but she employs them freely, demonstrating no shame in the lengths she will go to ensure my humiliation. As a gentleman, I will not resort to the use of such words, unless of course they are recommended by scrabblefinder.com.
I highly recommend WWF, unless you have burdensome demands on your life such as a job or family. If not, then have at it, but don’t let the intensity of the competition change who you are at your core.
I must go now. I’ve got an 11 o’clock with a Proper Noun who represents the Consonant Cartel.
Thursday, September 15, 2011
A Penny Pilfered is a Penny Earned
The sign in this rural convenience store in the Upper South went up shortly after one customer took fifteen (15) pennies from the small, brown tray so that he could apparently purchase an 89¢ can of Dr. Pepper for 74¢. Showing little regard for his fellow consumers who would follow, he emptied this community chest and forced dozens of subsequent customers to break nickels and dimes, and in a couple of extreme instances— Susan B. Anthony Dollars.
Yes, we have indeed fallen on hard times. Forget indicators such as housing starts and retail sales and unemployment and manufacturers’ orders. Apparently the American consumer, in a desperate need to pinch pennies, has stooped to pinching pennies, literally, from the community penny pot.
Economists disagree as to the origin of the community penny pot. Indeed, this practice represents a relatively new medium of exchange and it is almost exclusively the domain of the convenience store. I figured this out when I asked the clerk at Dillard’s to slide me some pennies to supplement by maxed-out AMEX card for a recent clothing purchase. She had obviously never shopped at Lazy Lee’s Bait and Convenience. But the community penny pot, like most good ideas, was borne from a desire to solve a problem—bankruptcy. No, actually that is the problem Mr. Dr. Pepper was trying to solve.
Initially the community penny pot was designed to rid or minimize ourselves of annoying loose change. You’ve seen the signs—“Need a penny, take one; got a penny, give one.” Sure the concept reeks of socialist principles, but it has worked and given us pride as in some small way we would leave the convenience store thinking that we’d beaten somebody out of something and helped us forget we just spent $1.69 for that 20 oz. Co-Cola. We could also leave satisfied knowing that we had just given two cents to the next guy in line, even though we would never consider taking him to lunch.
Unfortunately, I believe excessive penny pilfering is not isolated but in fact widespread. It offers us evidence that much larger economic forces are at work. Like most economic laws, like life insurance, these forces are not easily understood and undoubtedly global in scope. Let’s dig a little deeper—under the cushions if you please—and see if we can tell what’s going on.
One theory: increased copper prices. After all, copper is trading at about $4 per pound on the New York Mercantile Exchange. These numbers reflect a jump of about 100% in just a few short years.
Let’s do the math here. According to my Pitney Bowes postage scale, ten pennies weigh .8 ounces. Everyone knows (except for me 10 minutes ago), however that a penny is no longer 100% copper but instead 2.5% copper with the remaining 97.5% comprised of donut glaze, Snicker’s residue, and caramelized dryer lent. The rest of the metal is actually copper plated zinc, and zinc is spotting at around a dollar per pound.
If copper and zinc outstrip the face value of the coins, a veritable avalanche of economic repercussions will follow. People will begin robbing children’s piggy banks. Consumers will take to making change out of offering plates. The man who once pilfered 15 pennies for a Dr. Pepper will now do something much more ethical but equally troubling economically and toss back three nickels.
Another Theory: Uh, don't have one. Read on....
The resurgence of penny popularity will have far-reaching implications. Indeed, the fallout will impact economic and non-economic walks of life. In random acts of physical exertion not seen in post-depression America, I foresee a day in the near future when people young and old will once again, stop in their tracks and actually bend down and pick up one of these little coins. I can see a new demand for 50¢ rolls of coins. I can see people paying pennies for thoughts worth much less.
I can see children across the country once again wearing money belts and nerdy money changers. I can see businessmen proudly wearing new shiny pennies in Italian loafers, finally understanding the coins are worth more than the shoes. I can see parents and children thinking twice before putting a penny and three quarters in a theme park vending machine with the intent of transforming the coin into a trinket.
But most importantly, I can see a day when Mr. Dr. Pepper will once again get a job. And then, and only then, will we be reunited with economic equilibrium.
Tuesday, November 10, 2009
Ask the Broke Broker II: Lost in Garden City
Question: Mr. Broke Broker, when my boss was discussing with me an important project our firm is working on, he told me he would "keep me appraised of the situation." What does this mean?
Mr. BB: An appraisal is an opinion of value. Therefore, it appears your boss believes you are worth nothing. There is an outside chance your boss confused the term appraise with apprise. To be apprised of a situation means he will let you know when he no longer thinks you are worthless. But don't hold your breath.
Question: My Blackberry keeps giving me a message which says "E-R-R." Is this short for "Error?"
Mr. BB: No, I'm sorry but unfortunately this means you are fat. This is the exact same message displayed on my bathroom scale most mornings, and it is common knowledge that Blackberries and bathroom scales utilize the same computer chip.
Question: A friend told me that I should invest in foreign securities. What's your take on that?
Mr. BB: I receive no compensation or "take" as you say, for any domestic or foreign investments recommended in this column.
Question: Well, what are your foreign recommendations?
Mr. BB: They say Paris is beautiful in the spring. Besides that, the only thing that comes to mind is this rich cocoa merchant who keeps emailing me from somewhere called the Coast de Ivorie.
Question: Which is correct—capital gain or capitol gain?
Mr. BB: It depends on whether or not you are talking about the city or the building.
Question: What are the differences among the following terms: The National Debt, The Foreign Trade Deficit, and The Federal Budget Deficit?
Mr. BB: Virtually nothing. They are all either assets or exports of China.
Question: Mr. Broke Broker, what is a basis point?
Mr. BB: In the olden days (2007), a basis point was 1/100th of a percent, or 1/1000th of the "spread" the bank would make on your loan. But now that loans are a thing of the past, you need not bother your pretty little head trying to remember such archaic terminology.
Question: The other day, I read an advertisement that said "principles only need respond." What does this mean?
Mr. BB: It means that whoever wrote the advertisement didn't have a "pal" in the school administration. It also means that you and I should not respond to the ad.
Question: I attended a wedding the other day where the pastor talked about "authority vested in me." I thought only retirement plans "vested."
Mr. BB: You silly moron. Although I would never watch Project Runway with my wife at 9:00 p.m. Central Daylight Time Thursdays on Lifetime, I believe the good reverend was simply drawing attention to the fashionable dress of the men in the wedding party. More specifically, he was noting the lack of cumberbunds on the groom, best man, and groomsmen. Everyone knows when a man is missing a cumberbund (I like this word), he has no choice but to be properly vested.
Question: Mr. Broke Broker, my personal trainer said he was developing for me a killer abdominal regime. What should I expect at my next workout?
Mr. BB: Most likely he will be playing an exercise video involving the Ming Dynasty. Perhaps that regime will spawn a regiment of soldiers which have an impeccable daily excercise regimen. Having said that, there's no hope for your abs.
I've been appraised that I am approaching the 700 word mark, which means I am fat. Please keep those cards and letters coming to Mr. Broke Broker where our motto is: Collateral… What Is That?
Sunday, September 20, 2009
Density Shock
But Demography taught me a few things that weren’t quite so useful, like how to implement a complicated mathematical formula to determine something called “population density.” To put it in layman’s terms, population density is a measurement of the number of people in a particular area of geography. As you may know, we live in a rural area so I only counted (including our own) four houses within our particular square mile. If each of those other houses contains three people, then the total population in our square mile of land would be 16. Are you still with me?
Sixteen persons per square mile is what we demographers (people who’ve taken Demography) call a “sparse” population. So as someone from a sparsely populated part of the world, you can imagine my wonder last week when I traveled on a business trip to one of the most densely populated cities in Cook County, Illinois—Chicago. Some neighborhoods in Chicago approach densities of almost 50,000 persons per square mile. And these people are actually live people, not just people who are "registered voters."
There are a lot of differences between densely and sparsely populated areas—like transportation. In sparsely populated areas, we drive gas guzzling SUVs 20-30 miles to pick up a pizza. But in Chicago, people take public transportation to the pizza place. They then eat the pizza there and when they’re finished take public transportation back home. Because there are only 16 persons per square mile in our area, we don’t have public transportation—unless you count hayrides.
Public transportation in Chicago is operated under the auspices of the Chicago Transit Authority (CTA). Older readers will recognize the Chicago Transit Authority as a band from the ‘70s and ‘80s who had such hits as Saturday in the Park. After legal action was threatened by the City of Chicago over use of that name, however, the band broke up and decided to try its hand at running busses and elevated trains.
The crown jewel of the CTA is the “L,” which is the elevated train system you’ve seen in shows like E.R. or movies like The Fugitive. I was a little apprehensive before riding the “L,” but found it to be very safe and welcoming, offering no apparent signs of guns, knives, or one-armed men (although a guy who looked eerily like Tommy Lee Jones was looking at me kind of funny).
Another stark contrast between sparsely and densely populated areas is the heights of buildings. My meetings were on the 80th floor of the Aon Center, which is the 3rd tallest building in Chicago and at one time among the tallest in the world. Floors 68-80 of the Aon Center have their own set of elevators—six in fact. Here in the country the only elevators we have contain grain, and the country skyline is usually limited to a handful of silos, wireless towers, and treehouses. So for a guy who lives in the country a meeting on the 80th Floor of a building seems pretty cool. That is until the elevator doors shut and you’re all alone hurtling into space in a capsule smaller than the lunar module.
When I finally got off the elevator and arrived at the 80th floor meeting room I made the mistake of walking over to the window to take a look at the mass of urbanization beneath me. The view was truly breathtaking, but suddenly I realized all that separated me from the concrete nearly ¼ mile below were six tiny elevator shafts which by this time surely did not house functioning elevators. As the room became smaller, a flurry of questions ran through my mind—had this building been inspected during construction? If the building suddenly toppled toward the Lake, would I die at impact or would I live only to drown? I finally regained my composure and entertained more rational thoughts like “Is Tommy Lee Jones still following me?”
Hopefully the study of population densities will bring us closer together as inhabitants of red states, blue states, and Florida. And if these studies do not bring us closer together, let's find common ground in understanding the cardinal rule of Demography—there’s a whole bunch of people in China.
Tuesday, August 18, 2009
Briquettes and Baroque

If these fears grip you, keeping you awake during sales meetings, then allow me to offer a solution. FACE THESE FEARS HEAD ON by hosting a social gathering at which you have complete control. Invite them to your home for a one or more carefully crafted “customer mixers.” To start with, consider the following themed gala which I call Briquettes and Baroque.
This late Spring event is designed to assimilate your stuffy, snooty, artsy clients with those whose idea of a museum is the National Quilt Hall of Fame in Paducah, Kentucky. Imagine the following… As each guest arrives to your home, he or she is offered a “door prize” or party favor of exactly one (1) 40# bag of Kingsford Charcoal. Carefully affixed to each charcoal bag is approximately one (1) 14 song compact disc from the Williams-Sonoma Dinner Companion Series entitled Baroque Classics. Since you have rented an impressive sound system with speakers throughout the inside and outside of your property, you are ready for the party to begin.
As Pachelbel’s Canon in D blasts brashly throughout your home and property, you ask each guest to open his or her Kingsford bag and toss exactly fifty (50) briquettes into a carefully constructed backyard grilling pit. (Note: For some of your clients that have never done “real work,” you may consider inviting them over early, asking them to actually dig the pit. We do not recommend this, however, unless they have signed long term purchase agreements with you.)
By the time all the briquettes are in place, Handel’s Arrival of the Queen of Sheba from Solomon should be blasting throughout your neighborhood. When you hear this song, it is time to ask your guests to join soot-laden hands and march in circular fashion counter-clockwise around the pit. Once the guests have circled exactly 3.75 times, provide each with approximately one (1) garden rake. Their task with the rake: Ensure the briquettes are forged into a culturally and socio-economically homogeneous mound of charred wood. To make things interesting, you can make this activity simulate a game of musical chairs by providing one less rake than there are people. Guests are asked to rake then pass the rake, rake then pass, rake then pass, and so on until the music stops. Don’t tell your guests this beforehand, but if they don’t have a rake when the music stops, they get to go home.
At this point, your compact disc should be bellowing Rameau’s Overture from Dardanus as you hand each guest a bottle of lighter fluid. The trick here is to get your guests to do two things—thoroughly saturate all of the briquettes in the pit while challenging them to identify and soak each of the ones they actually placed into the pit themselves. Of course only you know that you will have NO WAY of determining the winner of this activity. But what you must do is simply and savvily award the prize for this event to whoever’s sale you need the most. This takes much less time and is more dignifying than losing to him or her in golf.
As dusk approaches, it’s time to move indoors so your guests may enjoy hors’ devours made exclusively of Spam and lobster tail. Outdoors, you’ll handle the cooking as the briquette pit embers carefully roast a cross-cultural surf and turf composed of catfish, Chilean sea bass, venison, headcheese, and rack of lamb. Meanwhile inside, against the backdrop of Scarlatti’s Piano Sonata in C minor, L352, your spouse authoritatively calls out a Baroque square dance. If the Sonata ends but your guests are still in the mood for dancing, try teaching them a ballet line dance to the timeless Don Williams ballad Tulsa Time.
After dinner concludes and your guests unwind, offer them farewell gifts of Hormel (maker of Spam) stock certificates. To minimize your cleanup, don’t forget to ask them to be sure and take their unused charcoal from their opened bags of Kingsford.
Tuesday, August 11, 2009
The Executive Bio: Liberty or Lie?

1. The “conference,” as it was referred to, had only four teams. Yeah, I know—not exactly the Big XII or Pac 10 or Big 10 (Question: Why does the “Big 10” have 11 teams?),
Thursday, July 30, 2009
Ask the Broke Broker…Solvent Advice From an Insolvent Expert
Since the commercial real estate business is EXTREMELY SLOW, we here at Sperry Van Ness/Fiducia Properties are approaching things from a different angle and have chosen to dust this column off the hard drive and publish it for the very first time here today on Finley River. We hope you enjoy.
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Today is the first of one installments of Ask the Broke Broker, the advice column which seeks to enlighten the business community on the proper usage of business terminology and paper clips.
Question: Mr. Broke Broker, what is the correct definition of a Statue of Limitation?
Mr. BB: Excellent Question! The short answer is I don't know. The long answer is that a Statue of Limitation is a figurine made of granite or marble which memorializes great business pioneers who risked it all and lost it, only to never try again. This term should not be confused with Statute of Limitation, which is the typical amount of time one may avoid paying his attorney before said attorney terminates your fiduciary relationship and free coffee.
Question: In common real estate vernacular, should I refer to a parcel of land as a track of land or a tract of land?
Mr. BB: Neither. I've checked with a variety of nationally recognized real estate experts (and game show host Donald Trump) and the correct terminology is "dirt."
Question: Mr. BB, I have another real estate question. I received a title report on my property which described my house lot as Lot 4, Bubba's Plat, First Edition. Shouldn't that be "First Addition," and if so, will my title be properly insured?
Mr. BB: You are very astute in recognizing this error. Should unforeseen encumbrances later surface which affect clear title on your lot, you WILL NOT be insured. Regarding usage of the term First Edition, intellectual property experts agree that usage of this term is precluded by a trademark secured by artist and former theme park owner and pineapple pitchman Kenny Rogers in 1967 when he and three other former New Christy Minstrels formed the group Kenny Rogers and the First Edition. By the way, tell Bubba to name his next plat after his daughter.
Question: Mr. Broke Broker, I don't know anything about sports, but in business settings I keep hearing terms like "slam dunk, " "hit it out of the park," and the "whole nine yards." What do these terms mean?
Mr. BB: Without resorting to "psychobabble," you are dealing with frustrated jocks who on the one hand, couldn't memo their way out of a paper bag and are skating on thin ice and need to signal fair catch or call time out. On the other side of the totem pole flip side of the corporate ladder, these specific terms all relate to guys who seem to be down for the count and are really, really, behind the cue ball. As a personal note, I prefer mixing it up and confusing co-workers in business meetings by exchanging the use of "whole nine yards" for the more preferred "whole enchilada."
Question: My accountant recommends I undertake something called estate planning? What are your thoughts on this topic?
Mr. BB: Contract your funeral director. This is a business column.
Question: No, no. I think estate planning has something to do with wills, trusts, etc. Does this change your advice?
Mr. BB: It depends. Please send me your asset list and I'll provide you the correct spelling of my non-pen name.
Question: What is the difference between "business dress" and "business casual."
Mr. BB: Depending on the retailer, about $275, or 353.54 New Zealand Dollars.
Question: Someone accused me of "tortuous interference of business practices." Should I be concerned about this?
Mr. BB: Not if you have a public defender who is well trained in corporate litigation.
Question: I heard someone talk about buying silver on margin. This is a new term for me. What is its origin?
Mr. BB: The term margin has its origin in ancient papyrus known as Big Chief Tablet. Often the silver crayon from the 64 Crayola set was used to color on the Big Chief Tablet, hence the phrase "silver on margin." Unfortunately I never experienced "silver on margin" as my parents would only purchase the 16 Crayola set which was devoid of the silver crayon.
This concludes today's Addition. We sincerely hope our time here has improved your business savvy. Keep those questions (and 64 Crayola sets) coming to Mr. Broke Broker where our motto is: Solvency—What's All the Fuss About?
Sunday, July 26, 2009
Courthouse Signs
In the operation of my not-for-profit real estate business, I have the opportunity to visit a number of county courthouses throughout the Midwest and South. Now please understand this involves me undertaking painstaking research and does not mean that I visit court-rooms. Instead, I hang out in assessors' and recorders' offices, trying to figure out what you own and how much you overpaid for it (you did—by A LOT). I do this not to enhance my chances of making money. I simply do it because, by virtue of an intrusive piece of Federal legislation called the Freedom of Information Act, I CAN.
During the course of my research, I've observed that signs play critical roles in the typical courthouse decorating scheme. Besides the usual signs you see in courthouses, things like "Exit", "Prosecuting Attorney," "No Weapons," and "We're Closed On Every Holiday Known to Man, Including Cinco De Mayo," I've noticed some other interesting and informative signs which are worth mentioning here.
A recent business junket which took me to several courthouses in Missouri, Kansas, and Iowa uncovered a disappointing discriminatory phenomenon—most men's bathrooms are in the basement. To make matters worse, one county courthouse in Iowa, which shall remain nameless because I can't remember where it was, blatantly reveals that the so-called "gender gap" is alive and well. While pleasantly referring to the ladies room as the "Ladies' Restroom," this courthouse's signage simply refers to the men's bathroom as the "Men's Toilet." Why not just call it a latrine or "the head?" We men have feelings too, you know!
A second observation, apparently uniquely problematic in Missouri, is that the number one public safety issue is not handguns or knives or reality television. The number one problem plaguing Missouri courthouse is in fact chewing tobacco. Now I haven't been in every courthouse in Missouri, but in at least two counties I visited last January the issue commanded a good bit of signage.
Consider this ominous posting observed in the Livingston County Courthouse in Chillicothe, Missouri: "Please do not spit chewing tobacco on the floor." Perhaps well meaning county commissioners, when enacting the legislation behind this signage, didn't realize that banning spittoons from county buildings in 1957 triggered this problem. Return the spittoons, I say. What's a fella supposed to do, swallow?
Down in Dallas County, Missouri, at its courthouse in Hartville, one must go into the men's bathroom, er toilet (the head) before discovering that chewing tobacco is alive, well, and NOT swallowed. Consider this intimidating sign observed in the men's bathroom: PLEASE DO NOT PUT CHEWING TOBACCO IN THE URINALS!!!!!!!!!!!!!!!!!! For the sake of accuracy, I have typed 18 exclamation points after this request, in the exact same manner as the sign's author.
The above sign is understandable. I've witnessed this problem. Chewing tobacco definitely compromises the standard issue courthouse urinal's ability to effectively flush chewing gum, cigarettes, and handguns. Indeed, eschewing chew in the loo is overdue and should be pursued.
Let's assume that the average patron of the Dallas County Courthouse men's room (which by the way is not in the basement) tries to abide by this command. Well, he probably feels a little confused, bewildered, and like he just plain can't win when he reads the sign over the paper towels (this assumes he has washed his hands). This sign offers a contradictory message: "PLEASE EMPTY ALL CONTAINERS BEFORE PLACING IN TRASH. Thank You! (Note 1 exclamation point; "Thank You" not in caps).
So what's a guy to do here? Let's say after several minutes of anguish he's decided not to spit on the courthouse floors. So, he goes into the bathroom to spit out his dip or chaw. He's confronted with "the sign" then decides he better spit everything out into his styrofoam coffee cup. Then he goes to dump the cup in the trash can but instead washes his hands. At that point he is directed not to place the cup into the trash without emptying its contents. So he goes back to the urinal and is beaten over the head with sign number 1. Then he walks back and forth from the trashcan to the urinal; the urinal to the trashcan; the trashcan to the urinal, and so on for what seems like an eternity. It seems like he's found himself in and endless computer loop until he sees the traditional toilet. He then proceeds to swallow the contents of his cup to avoid walking the extra fifteen feet.
But problems in courthouses are in no way limited to certain counties, or regions or even states. Take Wilson County, Kansas for instance. Public enemy number one in that county's courthouse (found in the city of Fredonia) is none other than begging. Its courthouse signs boldly warn: "NO BEGGING." Perhaps county officials there are tired of the citizenry begging for a personal stimulus package.
And how about Warren County, Missouri? A sign at its courthouse in (surprisingly) Warrenton, greets you at the front door cautioning: "No Concealed Weapons." Presumably one can brandish a .357 Magnum while entering the front door as long as it is in plain view. But Warren County, in the true courthouse sign spirit, saves its most intriguing and insightful signs for the bathroom. Outside the restroom doors in the courthouse annex, signs plead: "As a courtesy to others, please do not tie up the restroom by making personal phone calls." After reading these signs, I couldn't tell what the true issue is. Is the real problem that employees were tying up bathrooms, forcing co-workers to jump up and down outside the door while waiting for the bathroom to be vacated? Or, is the real issue that personal phone calls were being made in the bathrooms, rather than from the office phones where everyone knows personal phone calls are supposed to be made. Would the same outrage exist if the restrooms were being tied up because of an overuse and abundance of business phone calls? Don't bet on it!
I can tell you're begging me to wrap this up, so I'll just tell you to go read the sign in Fredonia, Kansas. But I actually don't mind your begging, just as long as you don't spit that nasty chaw on me. Spit it on your office floor while making a personal phone call.







