Blog

Short blog posts, journal entries, and random thoughts. Topics include a mix of personal and the world at large.

Sitting pretty

With the (supposedly) looming 25% tariffs on all automobiles assembled outside of the United States, the people in the best position is drivers like me: owning a fully paid off car that’s made in this decade. So long as my BMW M2 doesn’t get totaled in an accident (knocks on wood), I don’t have to worry about the price increases that are sure to come. That is, if President Trump actually goes through with the threat.

With so much economic uncertainty in the near horizon, a debt-free position, with multiple months of cash in reserves, is more crucial than ever. The only reason a recent auto insurance premium increase did not cripple me is because my car is paid off. Funds that would otherwise have gone to service a loan (the average new car payment currently is a whopping $742 a month) now acts as a buffer.

And it’s having a money buffer that keeps the stresses at bay. Friends have checked in on me recently, because my place of employment is facing a budget deficit. Layoffs are definitely on the table. Am I worried about my job? Not as much as I should be, as perceived from the outside. A emergency fund runway for many months of spending allows me to not stress about any job loss. The world is not going to end. I’ve got the time and resources to reset at my own pace.

Even outside of losing a job, life will keep throwing financial curveballs at you. That’s just part of the game. Unexpected expenses are unexpected. Living on thin margins month-to-month leaves you vulnerable. Having a buffer is just good preparation.

I know, I know: sob story about how everything is more expensive, and people aren’t as privilege as me. Okay, someone please square this hole: if many folks are so struggling, then explain the record-breaking 2024 holiday shopping season?

Why must it be difficult?

Earlier this week I got blister on my hand (insert joke). This annoying bugger was definitely going to interfere with my weightlifting. No worries; pop that sucker, then tape it up before handling the barbell.

I needed a roll of athletic tape in a hurry. Shouldn’t be problem, given I live within walking distance to a Sports Basement. Except… the store did not have any athletic tape in stock. How is that possible? Even if us weightlifters are a niche within a niche, other activities that are popular in the Bay Area surely create a demand for tape? Rock-climbing gyms! Crossfit was invented right down the street in Santa Cruz.

Anyways, my friend clued me that Target may have athletic tape in stock. And indeed it does. Wonderful. I joked that I sure hope it isn’t locked behind a glass partition (to prevent theft), whereby I would need to call an associate to open. Surely the hottest item on the stolen goods black market isn’t a roll of athletic tape.

So of course it was locked behind a glass cabinet. Why can’t we have nice things? Target is lucky I was in a rush. Otherwise I would have left immediately and ordered the same item on Amazon. Vote with my feet, as it were.

When the authorities fail to punish crime, it ruins it for everybody else. Who wants to go a store where everything is locked up, and the items that aren’t are frequently stolen with impunity? (I definitely saw some shady characters while buying the athletic tape.) When enough people opt out of that shopping experience, the particular store will close. And people will then blame the “greedy” corporation instead of pointing the finger at the actual problem.

It’s long past time to hold the criminals accountable. And if they are under adult age, hold their parents/guardian accountable.

Return of the oil

As I approach the end of a seven months long Accutane cycle in about a week, my lone trepidation - other than the acne returning - is my previously oily skin coming back. The consensus on Reddit is… mixed. Some say the oiliness returns with a vengeance, some say the dryness remains.

I very much hope it’s the latter for me. While I am on Accutane, it’s been so lovely to be able to touch my face without leaving any hint of residue on my fingers. The sunglasses no longer keeps sliding down the nose. My hair has stopped being matted down with grease less than a day after a shampoo wash. Secondary to the acne being gone, the drying out of my face and scalp is equally life-changing.

So it’s easy to see why I am apprehensive about stopping the medication. Let’s see if I am one of the lucky ones to have continuously dry skin. If it means keeping the constantly chapped lips that Accutane is famous for, that’s a trade I am willing to do. It’s far easier to replenish dryness than to fight greasiness.

Obviously, it’s more important for the chronic acne to be gone for good. Unfortunately it’s not uncommon for people to need a second cycle some years after their first. Fingers crossed, but I would not be surprised if I’m a part of that group. I’m basing this on the fact I refuse to stop whey protein supplementation, even though I know for sure it was flaring up my acne big time.

Give up muscle gains to have clear skin? I don’t know about that…

Price sensitivity

The goal of President Trump’s tariffs threat is to bring manufacturing back to America, right? The downside of course is that things will become more expensive. Manufacturing didn’t leave America because of some evil corporate plan. The simple reality is that labor is cheaper elsewhere. Lowering cost of goods sold is a big lever to increase profits. Or have profits in the first place.

Tariffs are merely tacking those labor savings back onto the purchase price. There’s one for sure loser, and it’s the consumer.

For sure there are plenty of cheap crap coming out of China. But in the year 2025 it’s beyond pass time to acknowledge that China can also produce things of the highest quality. Did we forget the iPhone has been made in China since inception? The Apple smartphone is as precise a device as it gets.

“Made in the U.S.A.” still denotes a higher quality in people’s minds. Whether or not it’s actually true is up for debate. What is definitely true is that it’ll cost more compared to foreign-sourced manufacturers. I recently bought a barbell, and the unit made with American steel is $85 dearer than the Chinese-made equivalent from another company. The decision was easy.

Coming out of the high inflationary period of the pandemic, I am always looking for the best deals on anything. And doesn’t everybody? Who has the money to boycott Amazon (because big bad Bezos)? If a particular item is the cheapest on Amazon, I am buying it there. I do not have the income to support an artisan soap business at a farmer’s market. If you do, please go ahead.

I will live life as cheaply as possible, because everything else has gone up in price. Tariffs - if they come to full fruition - is only going to make it worse.

Splitting it four ways

Word on the street is DoorDash is partnering with Klarna to offer split payments. So now you can pay for that $30 (in total) delivery burrito in four easy monthly payments. Wonderful. I can finally afford to use DoorDash! Peasants who actually drive to the restaurants to pickup their own food: I cannot be you.

It’s hilarious to me that in response to high inflation, instead of abstaining from things that’s gotten too expensive, people are seeking methods to lower the initial cost! Can you really afford that couch if you have to split it over four months? I would argue no, though I understand the pressure. Even couches from famously inexpensive retailer IKEA are getting up there in price.

A used couch with curious provenance on Facebook marketplace it is.

Maybe our university can attract more students if it also partners with Klarna: tuition payments over many months. Oh wait, those already exists. it’s called student loans.

How another person spends their money (or borrows money to spend) is their business. These are consenting adults consenting to a purchase agreement. You cannot be victim of capitalism if you choose to participate. Of course we can’t not participate, but the bare minimum to subsist is not overwhelming. I get it, though: eating rice, beans, and chicken breast for every single meal is torturous.

So get that sushi takeout delivered via DoorDash! You deserve it. And by splitting it four ways using Klarna, you can afford it, too.

Too busy adulting

I recently loaned my car out to a friend for a few days. He’s back in town from spring break. Because I have a walk for a commute (thank the lord), the friend is free to use the car during my work-week.

Which is just as well because I otherwise would not be putting much miles on my BMW M2. Upon returning the keys to me, the friend marveled at how little I drive it. He can’t imagine owning such a fantastic machine and not drive it at every opportunity.

Welcome to true adulthood: you have to make choices on what you spend your time on. We don’t get a spring break. They also lied to you: you cannot have everything.

Soon as the weekend hits, the last thing on my mind is taking the M2 out of a leisurely cruise. There’s groceries to shop for, laundry to do, exercises to perform, and general life maintenance that I didn’t get a chance to do during the work-week. By the time that stuff gets done, well, it’s evening again. Perfect time to drown myself deep into YouTube land.

Never mind that gas prices and insurance costs are not getting cheaper.

Obviously, I can make driving the car a priority, but something else would have to go. (It definitely would not be sleep.) That’s not a trade I’m willing to do at this moment. In a hypothetical world with infinite money and infinite time cheat code, sure, there’s lots of things I would like to include in my repertoire of hobbies. But in this real world, I can only pick a few at a time.

We all do. Those who birthed kids but are still clinging onto some semblance of their prior life will only drown.

Not free shipping

A thing we take for granted in the online shopping age is free shipping. Thanks to Amazon, we’ve come to expect free shipping no matter what we buy, from the smallest everyday item to the bigger furniture set possible. Heck, if I buy a Tesla car online, I expect a Tesla employee to deliver the car to me, gratis. How is the guy getting home afterwards? That’s not my problem.

Of course, free shipping is most decidedly not free. Someone is paying for the teams of people driving those trucks and carrying those poundages, and it’s certainly not the retailer. The cost of shipping is baked into the margins the retailers have on the item sold. Any Shark Tank watcher would know, margins between landed cost and wholesale is typically enormous.

We are paying for shipping, it’s just that the norm is to bake it into the price of the product. Except on platforms like eBay. The auctions there are where the true cost of shipping can be seen. No individual seller can afford to “eat” the shipping cost just to placate the customer expectations. The economies of scale is non existent. Psychological test: is it more lucrative to hike up the price and offer free shipping, or lower the price and charge shipping a la carte?

The problem with free shipping is that it sets an unrealistic expectation that shipping should also be free if customers need to return an item. I’m sure Target can afford to absorb the cost to return a pack of pencils, but for something like an exercise bike? Probably not. But then the customer gets pissed once they see the actual costs to ship the bike, which they must pay if they want to return it.

Amazon is kind of genius in purchasing Whole Foods, thereby creating a physical location where Amazon shoppers can return items conveniently for free.