Various Topics

February 20, 2008

It's Good to Save Money: Here's Why!

We all know that wasting money on unnecessary things is bad for cash flow, but few stop to consider that there is also a negative effect on net worth.

I had a three year contract with my cell phone provider that recently expired, so I canceled the service, saving an average of $35/month. I hardly ever used the phone and don't miss it at all.

Eliminating an unnecessary expense does the same thing to your bottom line that increasing income does–there is more cash available–but with one major difference: reducing expenses doesn't take any time. To increase income you generally have to work longer hours. Cutting expenses produces the same results with no effort. So, in essence, when I slashed my cell phone bill I created $35/month of “passive income” for myself.

Passive income is income that doesn't use up time to produce. Interest, dividends and royalty payments are examples of passive income. Passive income is generally produced when you invest in an asset such as a stock, mutual fund, Guaranteed Investment Certificate (GIC), or real estate.

If I “created” $35/month of passive income, what is the equivalent amount of an asset that would pay me that much money? Well, where I live at this time a typical GIC rate is 4%. $35/month = $420/year. How much would I need in a GIC to produce $420 at 4%? $10,500! I therefore conclude that, in essence, I have increased my net worth by $10,500 with one measly phone call. Astounding!

What other expenses can I cut? I think tomorrow I'll pack a lunch to work!

February 16, 2008

Losing Weight for Geeks and Nerds

When my weight reached 199 lbs I had to do something–I couldn't let it get to 200! I may not be a true nerd (my wife thinks I am), but I found that The Hacker's Diet has helped me to lose 26 lbs since I started on it last October.

When I graduated from university I weighed 155 lbs. Since then extra pounds have steadily accumulated, despite my trying all the fad diets out there (low-fat, low-carb, high-protein, you name it!). I couldn't stay on any of them, but I find The Hacker's Diet easy to stay on because I can eat anything I want, as long as I count the calories. Breakfast this morning was a fried egg, two slices of Canadian back bacon, and a toasted whole-wheat English muffin with butter, peanut butter, and jam. Yum! Total calories: 370.

The Hacker's Diet is a calorie counting diet, and the author (John Walker) provides useful computer tools to help out with what is usually a tedious chore. I think Hacker's is quite similar to Weight Watchers, which at its core is also a calorie counting diet with tools (the "point" system, social support, etc.).

The Hacker's Diet proposes that to lose weight all you have to do is eat fewer calories than you burn, however, the body has a certain resistance to weight loss, and it needs to be kick-started into fat-burning mode with a deficit of at least 500 calories/day, which should lead to weight loss of roughly one pound/week.

How do you know how many calories you are eating? You have to weigh and measure your food, and read the labels. It sounds hard but is actually quite easy to do once you get into the swing of it. I eat a lot at Subway now because they tell me how many calories are in their subs. How do you know how many calories to eat in a day? You start by reading a chart, choosing a caloric amount based on your current weight, and then refining that amount based on the results of the diet.

On The Hacker's Diet you weigh yourself everyday and record it, but don't worry too much about daily fluctuations. Instead you calculate the 20-day moving average of your weight and plot it on a graph, using the result to gauge how the diet is going. You don't have to do this by hand. An online program is provided that will calculate and graph the 20-day moving average for you.

Here's a look at my January chart. The red line is the moving average, and the little white diamonds are recorded weights. As you can see, I bottomed out at 178 lbs for a week or so. According to The Hacker's Diet this is normal as the body needs to pause once in a while to readjust itself. My goal weight is 169 pounds. I'm currently at 173 and hope to get there soon.

The Hacker's Diet notes that when you first start to reduce calories, it will feel awful for three days, then get better as the body shifts into fat-burning mode. That's exactly what happened to me.

It's important to exercise while losing weight so you don't lose muscle instead of fat. The Hacker's Diet provides a simple daily exercise regimen based on the Royal Canadian Air Force fitness program.

I encourage anyone who wants to lose weight to read The Hacker's Diet and try it out, but I must warn you of a potential downside: if you lose weight, you might have to buy new clothes!

Related Websites

The Hacker's Diet
How to Lose Weight and Hair Through Stress and Poor Nutrition

Latest Edition with Frames
No-Frame Edition
Computer Tools
Other Editions

January 10, 2008

General Guidelines for Leaders and/or Contractors

Guest Author: Lou Williamson

Musicians are sometimes surprised at the amount of work required to act as the Leader or Contractor on a gig. Here is a list of points that should be considered when setting up any engagement. Thinking about these things in advance will help to eliminate problems before they arise–and reduce your stress levels!

Lou Williamson

When calculating the cost of the engagement and filling out the contract:

  1. How many musicians are required for the engagement?
  2. Is a concertmaster, contractor or steward required?
  3. Do principal musician rates apply to any instrumental sections?
  4. Are any doubling fees applicable? e.g. Percussion doubling, flugelhorn/trumpet etc.
  5. What are the total cartage fees for all services?
  6. Do any performances require transportation and/or per diem payments?
  7. Are the correct scale wages being calculated?
  8. If applicable, has the pension contribution been calculated and factored in?
  9. Have the appropriate work dues been calculated and deducted from the performer's wages
  10. Has the employer been advised of the potential cost of overtime?

Before hiring the musicians:

  1. Ensure that all musicians are AFM members in good standing.
  2. If a steward is needed, who will you recommend to the local for appointment to that position?
  3. Determine the conductor/leader's substitution policy.
    1. Are substitutions allowed?
    2. How much notice must be given?
    3. Generally the contractor/leader must approve the substitute.
    4. Once approved, it is normally the contractor/leader who hires the substitute.
    5. It is normally agreed between the player/leader as to who will pay the substitute.

When hiring the musicians, inform them of:

  1. Venue, date and time for all services including rehearsals and optional performances.
  2. Wages and position (principal/section leader) for each service, including cartage, mileage, and per diem (if applicable).
  3. What to wear – be very specific.
  4. Necessary doubling instruments and/or special equipment requirements.
  5. The leader's substitution policy.
  6. It is advisable to recall all players within 48 hours of the first service in order to ensure that there are no last minute problems or misunderstandings.

Logistics

If the leader/contractor is unfamiliar with the venue, it is recommended that the site be visited to check on the following:

  1. Do the musicians need special directions to the venue?
  2. Are there any special or unusual parking / loading considerations?
  3. Is a secure room available for cases, coats, changes of costume, etc.?
  4. If the venue is outdoors, will the performers have sufficient protection from the elements?
  5. If the venue is outdoors, is there an alternative indoor venue?
  6. Is there adequate floor space for the performers?
  7. Are chairs, music stands and/or lights available and/or needed or do the musicians have to provide their own?
  8. Is an electrical power supply readily available?
  9. Are food and beverages available to the performers?

Miscellaneous Points

It is common practice for the leader/contractor to ask the employer for a deposit of 50% or more of the agreed upon fee.

The leader must ensure that no overtime is performed without pay and that correct intermission breaks are taken.

Payment provisions for cancellation of the engagement and/or any other special requirements should be written into the contract or added in an attached rider.

It is the leader/contractor's responsibility to abide by adhering to the bylaws of the Local where the engagement is carried out. This includes paying the musicians within a specified time frame and filing an appropriate contract with the Local, The preferred method of payment is usually on completion of the service.

Lou Williamson is a busy freelance percussionist in Victoria, BC, and President of Local 247 of the Amercian Federation of Musicians.

September 11, 2007

Six Golden Rules for Conquering Performance Anxiety

Guest Author: David Leisner

Performance anxiety can begin so innocently...

David Leisner

First you notice someone in the front row tapping his feet. You wonder to yourself whether you're really maintaining a steady beat. Then someone else whispers something to her neighbor, and you worry that perhaps your hair is disheveled or your tie is crooked, or maybe you're making those funny grimaces again that you thought you'd conquered. Worse yet, they are probably discussing how strange or inappropriate your interpretation is, or they are commenting on how many notes you are missing (you are missing a lot by now). Oh, your teacher is really going to yell at you. And your girlfriend or boyfriend is going to be very disappointed. Your students aren't going to know what to say to you because this is going so badly. Your hands are shaking or sweaty or cold. Maybe you're not cut out for this stuff after all.

Sound familiar? Believe me, you're not alone. Performance anxiety affects almost everyone, from the beginner to the most seasoned professional. It is truly remarkable what paranoid ingenuity most of us generate during performance in order to defeat ourselves.

It all begins when our minds wander. Some distraction, usually minor, occurs, and we become less and less able to concentrate. The results are nervousness, memory lapses, technical errors and general discomfort with and, ultimately, fear of performing. The whole mess can often be avoided quite simply by thinking a few essential thoughts before going on stage. A few years ago, after experiencing a string of unpleasant performances much like the description above, I did a lot of soul-searching about what kinds of thoughts and feelings were distracting me in performance and what advice I could give myself to counteract them. The result was Six Golden Rules that summarize issues crucial to successful concentration in performance.

I meditate on these a few minutes before going on stage. Ever since the beginning of this practice, I have had very few concentration lapses in concert and have found performing to be far more fun and satisfying than ever. In addition, my students and all those with whom I have shared these ideas have had similar benefits, and have been astonished at how quickly their performance anxiety dissolved.

Golden Rule #1

Before performing, you must first remind yourself that you have practiced to the best of your ability. You have used your practicing skills in the most effective way you know at this time. True, your playing can always be better, but given all the circumstances that have led to this moment, you have, in fact, done your best.

Now the time to practice has passed. Rather, you are going to use your "automatic pilot," which you have been training during practice sessions. The automatic pilot (a.p.) is at work, for example, when you learn the fingering for a piece. When you repeat and reinforce the new patterns, the a.p. retains them, so that when you go on to practicing, say, dynamics, you don't have to think too hard about the fingering.

The most comforting aspect of the a.p. is that it works all by itself. It is indeed automatic. So when it is time for you to perform, all you need to do is trust your a.p. to do most of your work for you. No effort or thought is required to bring back all that you have practiced. It will be there for you.

Golden Rule #2

Do not judge what just happened or is about to happen. Self-judgment during a performance is futile because it takes you out of the present and into the past or future and destroys the natural flow of your thoughts and physical actions. Whether the judgment is positive or negative, it introduces a verbal aspect into an activity that is most successful when it is non-verbal. Reserve judgment for after the performance, preferably after you have listened to other people's reactions.

Rather than judge your playing, simply observe it without verbal description, and motivate vour intentions. When you are about to make a crescendo, for example, intend to do it and then feel it as you are doing it. There is nothing verbal about this process. You are, rather, putting intention into action - that is, motivating.

Golden Rule #3

Do not second-guess any audience member's reaction to your playing. During a performance most of us feel quite certain we know exactly what the responses to our playing are by our teachers or students or colleagues, boyfriend or girlfriend or spouse, critic or some illustrious musician we happen to spot in the audience. More often than not, these thoughts prove to be completely, ludicrously inaccurate and only serve to further remove us from the moment and the music.

An example: I was once playing an informal house concert, with no more than fifteen people in the audience. As soon as I came out to perform, I noticed one person who looked familiar, but whom I could not identify. For most of the first piece, I was not thinking about the music, but rather about who he was. Finally I concluded that he was a respected vocal coach and accompanist I once met briefly. He was undoubtedly going to listen to the Schubert lieder arrangements on my program with an acute perception of detail and, ultimately, I was sure, with disdain. Not only during the Schubert, but throughout the entire concert, I was obsessed with thoughts like these. Not surprisingly, the whole experience was quite unpleasant for me. Afterward, when he came to speak to me, I discovered that this so-called vocal coach was, in fact, a bassist, and he had nothing but enthusiastic praise for my performance.

Later I thought, "what an incredible waste of energy!" How remarkable it is that the vast resources of one's imagination can be used for such futile, self-destructive mind-games! You probably have had similar experiences. Trying to imagine what someone in the audience is thinking about your playing is useless and distracting. Please yourself only.

Golden Rule #4

Be on stage, not in the audience. Be in the giving mode, not the receiving one. Be in the music, in the moment. These are three ways of saying more or less the same thing. You cannot be performer and listener at the same time. Leave the response to the audience. Your task is to communicate to the listener what you have practiced, thought about and felt. The most effective way of accomplishing this is by being present in the moment and not by dwelling on any moment that is past or one that has not yet occurred. A good example of this is when you are reading a piece of music that is familiar to you and your eyes follow the notes at a natural, steady pace. The reading feels easy, and your music-making is accurate and relaxed. This is the kind of forward flow that is desirable in performance.

Golden Rule #5

Single out one aspect of your playing that is the top priority among things you need to be reminded of at this time. Think about this not when you are performing, but before you go on stage, when you are thinking about the other five Golden Rules. Some people, for instance, may wish to emphasize posture. Some might need to play with less pressure, while others may need a reminder to play more boldly. The variety of issues to consider here is infinite, as they are specific to the individual and they may evolve over time, depending on what is top priority at the moment. Choosing more than one item to consider, however, would only burden your abilities to concentrate, so choose carefully.

Golden Rule #6

Enjoy! Don't forget that your performance is the time when you can finally share with your listeners what you have worked so hard in the practice room to achieve. This is a time of joy and not a time for correcting errors or other faults. Players tend to be too self-critical in performance. The practice room is the place for that. The concert hall is the place for celebrating the music. Let your emotions for the music be present. Don't allow minor details to obscure your feelings about the music. Let your excitement for the music be present. Let the adrenaline and your genuine lively passion for the music come through.

Review Before Performing

These are my six Golden Rules. I recommend that you look at them five to ten minutes before going on stage. Think about what each one means to you as an individual. As you look at Rule Three, for instance, you might think about specific people who might be in the audience and, one by one, remind yourself that you are not going to second-guess their opinions about your playing.

Do this little meditation for just a few minutes and then get back to your warm-ups or stretching exercises or whatever you like to do just before playing. Don't give these ideas another thought. Then go give the best performance of your life.

The 6 Golden Rules Summarized

  1. You have practiced to the best of your ability. Trust your automatic pilot to do most of your work for you.

  2. Do not judge what just happened or will happen. Only motivate and observe (non-verbally).

  3. Do not second-guess any audience member's reaction to your playing, as your perception will probably be inaccurate. Please yourself only.

  4. Be in the music, in the moment. Be on stage, not in the audience. Be in the giving mode, not the receiving one.

  5. Single out one aspect of your playing that is the top priority among things you need to be reminded of at this time.

  6. Enjoy! Let your emotions for the music be present. Let your excitement for the music be present.

David Leisner is regarded as one of America's leading classical guitarists. In the 1980s, a disabling hand injury, focal dystonia, cut off his blossoming performing career in mid-stream and plagued him for 12 years. Through a pioneering approach to technique based on his understanding of the physical aspects of playing the guitar, Leisner gradually rehabilitated himself. Now completely recovered, he has once again resumed an active performing career, earning accolades wherever he plays.

September 02, 2007

An Awesome Guitar Player

I love this video!

May 2008

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