Like everything this year things were a little different for Halloween but one thing stayed the same: Crystal continued to up her game when it comes to the family costume. This years “Space Theme” was our best one yet!
Full SmugMug Album
COVID delayed the start of the school year but on October 5th Cobb County resumed in person learning. Since Brielle was going to be going back, we also decided to send Brendan to preschool. He started at a new school this year called Primrose which is run by our neighbor a few doors down from us.
Brielle did a great job making the best of virtual learning but she was ready to go back! After seeing her teacher and classmates on screen for so long she was so excited to meet all of them that she could barely contain herself this morning!
Crystal and I had gone apple picking years ago when we first moved to Georgia but we had not taken the kids yet. What better time to do it when everything is closed due to COVID! We drove up to BJ Reece Orchard in Elijay and had a great time picking some “Rome Beauty” apples. Crystal then baked some delicious apple pies with all the apples we picked!
It has been a crazy year and COVID continues to impact everything around us. We never thought that the 2020 school year would be at risk of starting virtual but as the cases counts kept growing over the summer the district made the decision o start the year with virtual learning. Even though Brielle did not get to go to school we still took her first day pictures!
It was not the same this year with the COVID restrictions but the kids still had fun decorating bikes and riding around the neighborhood.
This was not the kind of last day of school we had envisioned this year but we made the best of it. The kids have grown up so much this year!
Brendan finished the Pre-School Twos at Mt. Bethel Christian Academy:
Brielle finished Kindergarten at Mt Bethel Elementary School:
Brielle’s teachers even stopped by to congratulate her and wish her well on her way to first grade which was really sweet of them!
This afternoon Brielle came running into my office saying I had to come outside to see a “huge hawk”. I was a little skeptical at first, but sure enough there was a red tail hawk sitting in our front yard holding onto a squirrel. I don’t get to shoot wildlife very often so I ran back inside grabbed my camera and 400m lens and started snapping pictures. What a beautiful creature!
Brendan also decided to get in on the action 🙂
One of the biggest tricks of personal finance is automating everything so you don’t need to think about it! You set the goals, implement the strategy, and then sit back and let the automation take care of everything. Here is a run down of how we execute our personal finance “system”.
Let’s start with the easy stuff like your paycheck. Most companies will offer (or even require) direct deposit so you are not having to deal with paper checks. Set your deductions like your 401k, HSA, FSA, according to where you are in the investment walk. By doing this you are “paying yourself first” which is a great concept to achieve financial independence. Some people will get fancy and separate their paycheck between different accounts but I like the simple approach of having it all deposited in a single account.
I opened my first online bank account in 2000 and have been doing my banking online for the last twenty years. In 2016, we moved to Ally Bank for our primary checking and savings accounts and love working with them. Customer service is great, they reimburse ATM fees, have competitive savings account rates, and a great app for mobile check deposits. Another feature I highly value is that our checking account is automatically linked to our savings account. If we ever overdraw our checking account, Ally will grab the required funds from our savings account so we never have to pay overdraft fees.
In addition to Ally, we also have a no fee checking account with Chase so we have access to a local ATM to make cash deposits. The Chase and Ally accounts are linked so transfers between them are easy. We don’t use this account much but have found it helpful when we needed it.
We use credit cards to help with automation and we get the benefit of earning rewards each month. All the credit cards we use are setup for automatic payment of balance in full from our Ally Checking account each month. We currently have three active cards:
I switched to using the Costco Visa Card a few years ago as I decided the cash was more valuable given that I earn so many Delta flight miles traveling for work each year. However, I am rethinking that strategy and might do some travel hacking and take some flexible points instead of the cash. More to come on this!
| Description | Spend % |
| 4% On Eligible Gas Worldwide | 1.4% |
| 3% On Restaurant Purchases Worldwide | 5.9% |
| 3% On Eligible Travel Purchases Worldwide | 0.9% |
| 2% On Costco & Costco.com Purchases | 13.0% |
| 1% On All Other Purchases | 77.7% |
| 2019 Cash Rebate Earnings | 1.30% |
In 2019, we averaged a 1.3% cash rebate on the Costco card. That is ok, it is just not great. In looking at the numbers, I should probably only be putting the Costco purchases on the Costco Visa as I should be able to do much better than 1% via another card.
If a bill allows payment via a credit card we use it! Here are the kinds of items that all get paid automatically each month or billing period with the credit card: Electricity, Mobile Phone, Internet, Online Services, Home Security, Garbage, and Natural Gas.
There are a few companies that don’t allow credit cards, so this is where online bill pay comes in handy. Some bills can get setup as direct ACH bank transfers but there are others that will require a physical paper check to be mailed. What is this 1980? Ally handles both of these scenarios well and we use online bill pay for things like our HOA dues, homeowners insurance, and life insurance payments. All of these are setup to be automatically sent
All of our bills are setup to be paid automatically via one of the above methods except one: the water bill. The problem with our water bill is that it is a variable amount each month and the water company does not have a mechanism to do an automatic draft from a credit card or a bank account. This is super annoying as I now have one bill that I need to remember to pay each month! And guess what, a few years ago I forgot about it. I was sitting at work around 4pm and I got a call from Crystal that our water had been turned off! DOH! This did not go well for me as it took the water company 2 days to get the water turned back on!
After this happened, I came up with a trick to make sure the water never got shut off again. The first thing I did was I overpaid the next water bill by $100 so we had a positive balance. The next thing I did was I setup an automatic check to be mailed each month for a fixed amount of our average monthly usage. Problem solved! The water bill now gets paid automatically each month!
Now that we have the income and bills accounted for, the final part of the automation system are the investments. We have four investments that are automatically pulled out of our checking account each month:
The above system works well for us. We keep a small buffer in the checking account to account for any variances in the month and if we have a big purchase or unexpected expense we will instantly transfer money from the online savings account to the checking account. With this system, combined with the visibility that Mint provides on the transactions, there is very little maintenance to do each month. Just sit back and let the system work for you!
Photographers spend a lot of time thinking about color they even refer to things like “color science” when talking about how certain camera brands recreate the broad spectrum of colors in a digital image. When thinking about color, you want accuracy and consistency in your workflow to achieve the best results.
A key aspects of making sure you are getting accurate colors is to make sure you are using a color calibrated monitor. I was late to the game on this in my photography journey and I really wished I had done this earlier. It really makes a big difference in the quality and accuracy of the output. Why is color calibration so important? When you are editing a file your display or monitor is the device that is taking the digital data from the sensor and translating it to the image that you see on the screen. If your monitor is doing a poor job in his transformation you are editing from an incorrect baseline. This will make it difficult to get accurate colors when you publish online or go to print your images. Before I calibrated my monitor I would consistently see differences in output when looking at my photos on my iPad and iPhone or when printing them, Those issues all went away once I was shooting RAW and editing on a calibrated monitor.
So how do you calibrate a monitor? It is actually really easy. Most monitors today can support using 3rd party color calibration devices. These small optical devices can be placed on your monitor and will read and calibrate the output. I purchased an X-Rite ColorMunki that they don’t make any more but it was replaced by the X-Rite i1 Display Studio.
Color Perfectionists know that a calibrated and profiled display is a critical element in an efficient digital workflow. Nobody wants to spend hours at their screen perfecting images only to find that their display wasn’t accurately representing their digital files. What you see on your monitor (or projector) has to match your digital file or you will never be happy with the result, no matter how much time you devote to perfecting it.
With its easy-to-use, wizard-driven software, X-Rite ColorMunki Display offers everything you could possibly need to get you to a brilliantly-calibrated display or projector while helping you stay focused on doing what you love. Plus, with X-Rite ColorTRUE, a free mobile app, you can even calibrate your iOS and Android mobile devices. For Color Perfectionists seeking simplicity, the ColorMunki Display will absolutely amaze you. And you don’t need to be a color expert to benefit from ColorMunki Display.
So if you have not stated using a color corrected monitor I highly recommend starting soon
