Brip Blap

As an aside, the name of the blog comes from my parents. As a child and on into my adult years I have had fairly drastic mood swings. I am generally a very upbeat calm person – I would say most of the time I operate at a 6 on a happiness scale where 1 is miserable and 10 is ebullient. However, once every few months (more in the winter, less in the summer) I will either zoom up to 10 or down to 1. My depressions are fairly rare, but when they come they are, for me, pretty bleak and not really easily shaken. Likewise my up periods – I’ll be maniacally energetic for a few days. I don’t think I have any sort of real psychological condition. I assume that it’s just my nature. Maybe that’s a dangerous assumption, but at least after nearly 40 years in the world it never seems to have led me to do anything more than mope, other than one fairly severe downtime when Bubelah and I were dating that very nearly ended our relationship. Note the word nearly, though, since obviously being married and having a child means that we worked through it.

Back when I was a baby, my parents said I was a brip (imagine waving hands dramatically upward, fingers a-flutter) blap (now imagine them swooping downwards) baby. I was bubbly one day and quiet or grumpy the next. So I think, for better or for worse, that describes me at my core – a generally pacific state with regular but brief swings between extremes. So that’s brip blap. You’ll have to see if that’s apparent in the blog or not. My guess is that it will be. My goal is to write frequently enough that it will be obvious, though, so we’ll see!

11 tips to a soda-free existence

I’m of the firm opinion that a lot of the choices we make in terms of the substances we ingest determine our health, which then influences wealth, happiness and on and on ad nauseum. A lot of the “ingestibles” in America are really bad for you. This is not solely an American problem but it seems to be exacerbated to a greater degree here.

Americans ingest a lot of bad things, although some of them are arguable; alcohol or certain types of drugs may not always be a bad thing, for example. Big culprits:

  • Fast food (it’s not just McDonald’s, either – supermarkets, schools and high-end restaurants are selling the same junk)
  • Highly processed foods
  • Artificial flavors and colors
  • Pesticide-laden fruits and vegetables
  • Hormone-laced milk and milk products
  • Tobacco products (one of the few things on this list that has no redeeming features whatsoever)
  • Alcohol (although in moderation, alcohol can actually be good for you)
  • Genetically modified foods (jury’s still out on this one)
  • Drugs (prescription, over-the-counter and illegal)
  • And finally the subject of this article, soda, but I could probably think of 20 more examples.

I started drinking diet Coke in high school, more or less when it was first introduced. It seemed to have a lot of advantages for a high school athlete in a sport that demanded quickness, strength without being muscle-bound, and alertness. I kept it up, drinking more and more throughout my 20s and early 30s, drinking up to 8 cans per day at some points. I even kept it up throughout my time living in Russia, making frequent treks to the bakery across the street from my apartment which inexplicably sold diet Coke in addition to home-made black bread.

I quit drinking soda in 2005, and since then I have had fewer than 10 total sodas, usually root beer or 7-Up. Ironically at the same time I quit drinking “diet” soda I lost 100 pounds – not just because of that, of course, but I think it helped. I have only touched a diet drink one time in two years, and it was horrific.

From Wikipedia’s article on diet Coke, a list of ingredients:

  • Carbonated Water
  • Caramel Color
  • Aspartame (known better by the brand name “Nutrasweet”)
  • Phosphoric Acid
  • Potassium Benzoate
  • Natural Flavors
  • Citric Acid
  • Caffeine

Why quit drinking sodas?

According to Food Chemical News June 1995, FDA Epidemiology Branch Chief Thomas Wilcox reported that aspartame complaints represented 75% of all reports of adverse reactions to substances in the [US] food supply from 1981 to 1995. Sodas cost a lot of money, they eat away at your insides and your teeth, they dehydrate you and the long-term health effects of aspartame (for diet drinks) are still being debated. I can’t really see any particular reason for drinking sodas other than continuing to get that sugar/caffeine/aspartame high, which isn’t really a high; it’s the lack of those substances that makes you feel bad, so you only bring yourself back to normal when you ingest them. So how do you escape your tastebuds’ cloying captor, the soda?

My tips for quitting:

11. Drink seltzericon or club soda mixed with fruit juice (but make sure it’s 100% natural juice, not sweetened or artificially flavored. You can’t go wrong with this – if you try it, it’s much better. You will be amazed the first time you try this – it’s much better than straight juice or straight seltzericon, and certainly better than overpowering soda. If you take a 12 ounce glass, fill it about 1/3rd full with juice and then the rest of the way with seltzericon, it’s very tasty. You can use any kind of juice, although personally I prefer apple or cranberry juice. I love having my Soda-Club Home Soda Maker. I can make seltzericon right at home – no lugging it home from the store, no wasted plastic bottles, and fresh fizzy seltzericon any time I want it.  Here’s what it looks like:

10. Drink lots of water. I sometimes suspect that when I used to drink a lot of soda it had somewhat of a vicious circle effect. The sodium-laced soda would make me thirsty enough to grab for another soda. Water counteracts that desire and seems to tamp down on my appetite, too. Ideally everyone should drink approximately 64 ounces a day of water. It seems like a lot when you first start, but after you get used to it you won’t notice it.

9. Don’t drink mixed drinks with soda. This only applies if you’re a drinker, but it’s a big one. I used to drink Stoli Vanil mixed with vanilla diet Coke (while it still existed) as my drink of choice. Frankly, Stoli Vanil doesn’t mix well with juice, seltzericon, etc. What’s the solution? I switched to drinking wine instead of vodka. It has some (somewhat unproven but reasonable enough) health benefits and it doesn’t need to be mixed with soda. That was a conscious decision to get away from drinking hard liquor, and killed two bad habits with one shot.

8. Start drinking tea. Let’s face it, no one wants to drink water all day. I work in big corporate hives where I can’t exactly keep a fresh supply of seltzericon and juice, so I get a little bored with water. I find that having a nice pile of herbal and decaffeinated teas gives you something to drink that’s flavorful and healthy.

7. Drink lukewarm water. I think one reason people can’t drink a lot of water is that they drink ice-cold spring water bottles out of the fridge. Room temperature bottles taste terrible if you aren’t used to them, but you’ll notice they are easier to sip if they aren’t 33 degrees Fahrenheit. Plus, you can keep them sitting on your desk/in your car/wherever. Since you won’t expect chilled water, it will be easier to drink.

6. Don’t buy soda. This sounds obvious, but maybe it’s not. I stopped buying my poison of choice, diet Coke, and simply didn’t have it in the house. I had tried to “cut back” before, by buying a few two-liter bottles and telling myself “only one glass per evening”. That didn’t work for me. I removed the temptation entirely by not bringing it into my house.

5. Drink coffee. If you are a caffeine junkie, I won’t lie to you – withdrawal hurts. I think the addiction to aspartame hurts, too, and nothing really helps that. But you can ease your caffeine DTs with a cup or two of coffee in the morning. Just make sure you don’t waste your money buying it – brew some at home. Don’t skimp, either – buy something flavorful or you’re going to hate it. And learn to drink it black. You’ll save money, calories and your teeth.

4. Think of all the money you will save. Soda is fairly expensive. In all fairness, spring water is, too, but if you learn to drink from the office cooler at work and from the filtered water tap at home you can cut your expenses pretty significantly. I was working in one office where the diet Coke was free, which was fine, but when I moved into consulting I found I was dropping $1.25 four or five times per working day (let alone at home) to get a soda. That’s almost $1600 per year. I buy a box of tea bags for $3 (usually about 20 to a box) so even drinking five cups of tea per day, which I seldom do, I would only spend about $190 per year.

3. Tell your friends, family, co-workers and anyone else who cares to listen that you are eliminating soda from your life. A lot of people will laugh, but by and large I think most people realize that soda is bad for you and will be supportive. I wasn’t asking people not to drink soda in front of me, or anything, but the simple fact is that if you tell a lot of people who will be with you at mealtimes or other times you might drink a soda, you will be too embarrassed to drink one and look like a backslider in front of them. Public goal-setting is a great way to maintain a resolution.

2. Read. What? Read about aspartame. Read about Coke’s uses as a toilet bowl cleaner, or how it dissolves a steak. Do you really want that in your system?

1. Wait. If you stop drinking soda and give it a few weeks – and that’s it, really – you won’t want soda anymore. I never meant to completely quit drinking soda when I gave it up, but somehow I lost the desire for soda when I quit drinking it regularly. It just doesn’t seem appealing. Diet Coke is downright nauseating – it has a chemically, bitter taste. Regular soda, quite honestly, still tastes good. But the cloying sweetness is overpowering after you drink juice/ seltzericon or water or tea or black coffee for a while. I just don’t want soda. In the two years I have had a few sodas – on vacation I drank a root beer, and maybe once every six weeks I’ll find myself at a food court or some such place where my choices are tap water or soda. In those cases I’ll stick with 7-Up (supposedly all-natural) if they have it and Sprite if they don’t. But I haven’t had a Coke or a Pepsi in two years, with one exception. I was waiting overnight in a hospital on Little Buddy, who was briefly ill with a terrible virus earlier this year, and late at night I desperately needed caffeine to stay awake. The vending machine had nothing left but diet Pepsi. I choked half of it down, but even then I couldn’t drink it. Fortunately a very kind nurse (the wonderful Expie who seemed to me that night one of the most wonderful people on this planet) brewed a pot of coffee for me.

So that’s it. If I forgot a tip, feel free to comment or email me for a future post!

Random thoughts on investing

I have a lot of thoughts on money, which in my case center not so much around how to spend it as how to save it. I rely heavily on my own prejudices, which are heavily influenced by my cynicism as an auditor who sees crooked finance and operations people every day at big multinational oligarchic companies. And I was heavily influenced by Rich Dad, Poor Dad (although some of my earlier infatuation with Kiyosaki has lessened as I thought more about his advice – more on that later).

Saying there is nothing urgent about saving money for the future is, to put it mildly, famous last words. Better to deal with things when you can do it in a calm and relaxed manner rather than needing to scramble when you’re 65.

I am a believer in the US market primarily because there is no real alternative for a corporate employee who has to put most of his savings in a tax-advantaged 401(k) that only really allows cash (money market-type holdings), bond funds and mutual funds as investments.

I have held individual stocks for most of my investing life, but no more. Why? Here’s an example. I was holding Wal-Mart stock. I got it when it was selling at 6. It split 4 or 5 times, went up to 50, and then stagnated for years, paying an awful 3% in dividends which were reinvested.

I took a look at Cigna, a major holding of my very elderly grandparents, recently. I personally think it is utterly crazy for retirees in their eighties to have so much money in a single stock. Cigna right now has a .04/share yield, which considering the $163/share price is effectively $0 yield per year: therefore they are losing 5.25% on 100,000 per year, or 5250. So if there was a capital gains tax hit of 15%, it would take 3 years to get in the black (and that’s simplified since I’m not considering taxes on interest). From a risk perspective, I think an insured money market would be far safer and significantly more liquid. The instant liquidity of cash principal may be important soon, and if they were forced to sell Cigna when it WASN’T selling at near its 52-week high, they could take a huge (imaginary, since it never really existed as a “gain”, only on paper) loss. Cash will not go down (except via inflation, blah blah blah, but that can be effectively hedged with a TIP or a money market, since inflation is not running at 17% – yet). CDs, barring some economic meltdown, are safe and insured.

However, it will take 3-4 years to be in “profit” mode selling off a huge stock holding like that, so it might not be worth it from that perspective. But in the long run at 5-6% in a CD/online savings account they could squeeze out another $5000 or so of cash a year.

The general fragility of the US economic system is a big bugaboo for Bubelah (my wife, at least what I’ll call her on this blog) and me. We have spent some time trying to figure out how to legally open a Euro bank account to start shifting our money out of the US. People put a great deal of reliance, for example, on the Chinese not calling their 500 billion in loans to the US. And I got really spooked by our stock-concentrated savings a couple of years ago – actually maybe a year and a half ago – watching a documentary about Enron. They were issuing “buy” recommendations on that while unbeknownst to the analysts, regulators, etc. Jeff Skilling was dancing around drunk telling his staff to make up fake invoices inflating sales. Is any other company out there as bad as Enron? Beats me. Could be. Maybe not. Maybe so. Probably so, in fact – human nature being what it is there’s always a guy out there who thinks he can game the system.

My thinking with finances has therefore been that rather than trying to think I can outsmart the thieves, the traders, the investment banks with their Crays making 8.2 million trades per second, better to plow everything into high-return cash and mutual funds that mimic the market, and then forget about it. If the US crashes, we’re in a bad spot, but if 5 of the Fortune 500 turned into Enrons tomorrow it would only be 1% of our portfolio. If someone holds a half dozen stocks, it’s 15% of theirs.

It’s tricky. Obviously I’m not retired and living off my investment income in Bermuda so it’s not like I know it all.

High school athlete, or how to set the table for massive weight gains

I am not a dietician, a nutritionist, a doctor, a trainer, etc. Please consult a doctor before beginning any diet program.

OK, now that’s out of the way. When I was younger I wasn’t particularly athletic but I wasn’t particularly non-athletic, either. I spent the usual amount of time running around playing and didn’t really eat to excess – maybe I had a weakness for chips and French fries but it’s not like it was served every day around the house, so I wasn’t eating much except what went on the table.


When I was about 14 or so (basically 9th grade) I took up tennis. I had never really played any organized sports up to that point, so that was a bit of a shock at first. I took it up casually since my friends were doing it, and then got serious about it when it was apparent that I was good enough to make the high school team. I went to camp, I started running with the team, and even sporadically began lifting weights. However, the most important aspect of all of this was that I started playing tennis – a lot. We had two seasons, fall and spring, and throughout the summers my friends on the team and I would get together and play 3 or more sets each night of the week. This was in Mississippi, where I grew up, so I was playing tennis at a competitive teenage male level 6-7 nights a week throughout the 100 degree summer, not to mention competitive tennis matches throughout the spring and fall combined with the usual training regimen of sprints, practices, etc.

Metabolism swings

So the result of this was that my metabolism cranked up to a pretty high level. I think there were about three main reasons, one obvious, one normal, and one abnormal. First, I was a teenage male doing a lot of exercise at a very high level. Second, I started eating more, which in a weird way, due to the massive amounts of exercise, probably cranked my metabolism up even more. I wasn’t eating lots of junk food yet, so the meat/veggies/etc. were just more fuel for the fire. Third, I switched from drinking juice and the occasional Coke to drinking diet Coke. I think that was very significant although I didn’t realize it at the time. More on that in a future post.

So my metabolism was cranked up to the point where I was always hungry, always drinking diet Coke, always putting something in my mouth to keep up with the near-constant need for fuel.

Basketball ankle injury

I forget the exact date, but I think it was New Year’s Eve 1986 when I agreed to meet some of my friends and play a pickup game of basketball early in the evening. We did this pretty frequently as a way to break the monotony of (for most of us) tennis training, but there were a few non-tennis guys too. We usually played pretty hard, as competitive teen guys do, and had no rules about body checks or 3-second rules or anything that made basketball a non-contact sport.

Anyway, to the best of my recollection I went up for a rebound, or a shot, or something, and when I came down someone stepped squarely on my ankle, bending (but not completely breaking) it sideways. I thought it was OK for a second, but when I stood up – BAM – I went right down again. It hurt, badly, and it started swelling up right away. I wasn’t going to be able to drive my stick-shift Mercury Comet, so I called my parents and they took me home.

Being New Year’s Eve, there wasn’t a doctor easily available and it was pretty clear that while I had badly damaged my ankle, it wasn’t a break (which as you will read later will teach you, the non-doctor, not to assess injuries). So I propped it up, watched it swell up purple, and waited a couple of days before going to the doctor, hobbling around the house. When I finally had a doctor look at it, he recommended I walk on crutches for a few weeks, wear an air cast (basically a hard plastic cast with inflatable sections that made it rigid), and not play sports.

Tennis scholarships (or lack thereof)

So of course taking the long term view, I stayed off my feet for about two weeks, then started playing tennis with the air brace stuffed in a hightop sneaker to hold my ankle steady. I had dreams of becoming the #1 player on the team, getting tennis scholarships, etc. It wasn’t to be. I had a disappointing senior year, playing worse than I did as a junior, and never really fully recovered from the ankle injury. I got a few tennis scholarships, but they were small nominal scholarships to private schools ( i.e. $1000 per year off an $8000 tuition at the time). I didn’t have any major schools looking for me to play for them, certainly, and not even any serious interest from minor schools. So much for my dreams of tennis glory. My biggest achievement was beating a guy who would later become the #1 ranked player in the southeast US, and at least hanging in a match briefly with a guy who would later play at Wimbledon (I think I lost 6-0, 6-0, but I managed to ace him once or twice).

So I graduated from high school as a former athlete, eating large amounts, going away from home to live on my own for the first time, newly discovering beer and diet Coke, quitting organized exercise in the form of team practices and competitive play, and coming into a large amount of money by virtue of a humungous academic scholarship and generous parents and grandparents.


Well, I am sure everyone will be a-twitter over the relaunching of Brip Blap. If you visited the site before, you know that I wrote a vitriolic and often rage-filled political blog for about four years. It really peaked around the 2004 election, when it basically became a nonstop bloodbath of derisive comments about the Republicans.This time I don’t intend to talk about politics, although I’m sure that may come. Instead, this will be a more introspective blog, focusing more on me. Why? I am often asking myself that question. I feel like a dull person sometimes, yet, in the last ten years, I have:

  • Lived in Russia
  • Traveled to 27 different countries
  • Lost over 100 pounds through diet and exercise
  • Managed to go from a guy who got winded on a single flight of stairs to someone who has placed in the top 5 in my age category in competitive 5K races
  • Gone from being a confirmed bachelor to a happily married man with a superstar of a baby boy (update 2010:  now a big boy who now has a little sister, born in 2008).
  • Managed to go from being a workaholic nonstop business traveler to someone making in the mid-six-figures doing more or less nothing on a day-to-day basis
  • Completely 100% shifted my worldview on politics and the news and the world around in less than 6 months.

So, I don’t know – I hope that from all of that I can draw some topics for posting. Plus, I read a lot and have a lot of strong opinions on what I read – personal finance, childhood education, history, geography, famous quotations, self-help books and movies, movies, movies. Football, when I have time (J-E-T-S). And finally I am an enthusiastic twiddler in the Web 2.0 world (more on that later). So, subscribe, comment, and I hope this is interesting to someone besides me, but if not, that’s OK.