Friday, July 25, 2025

Investor Personality and Financial Success (A local example)

An investor’s personality plays a significant role in determining their financial success. Every decision—whether it's buying a stock, researching companies, saving money, or allocating resources—reflects both a risk assessment and personal behavioral tendencies.

According to the study summarized below, wealthy investors consistently engage in certain behaviors that support their financial goals. Interestingly, these behaviors are not exclusive to the wealthy. While most of us may not have access to large-scale resources initially, we can still adopt similar investment habits. The rise of self-managed investment accounts in recent years has made this increasingly accessible.

While professional advice can be valuable, the following is not financial advice—it's an exploration of key behaviors identified in the study. Always consult your own advisor and conduct personal research.


An Exploratory Study of the Wealthy’s Investment Beliefs, Preferences, and Behaviors
Key Takeaways:

  1. Utilization of Separately Managed Accounts and Alternative Investments
    Wealthy investors often diversify their portfolios with these tools to manage risk and pursue higher returns.

  2. Managing Overconfidence
    Successful investors tend to recognize and temper their overconfidence, making more rational decisions as a result.

  3. Commitment to Financial Education
    A solid foundation of financial knowledge supports better decision-making and long-term planning.

  4. Regular Portfolio Rebalancing
    Periodically adjusting investments ensures alignment with goals and risk tolerance over time.

  5. Strategic Use of Financial Advice
    Wealthy individuals often seek targeted guidance rather than blanket advice, using advisors as strategic partners.


Test Portfolio Commentary

I occasionally run small-scale test portfolios to better understand market behavior. The returns are influenced by several factors: market trends, expert analysis, innovation, domestic (U.S.) investments—and sometimes, admittedly, a bit of intuition. One such test account, active for just over a year, yielded a 97% return. While there's no singular method behind it yet, these experiments provide valuable insight into how different strategies perform in real conditions.


Side Note: Investor Impact on Economic Growth

Investors play a crucial role in economic development. When they are attracted to a region, they often participate in what's known as pack investing—collaborative or coordinated investments that can revitalize communities and stimulate local economies. The formation of economic clusters, a key topic in economic geography and development, often includes investor behavior and motivation as a central component. I like to look at these in how they may theoretically apply to places like Delta County Michigan which has seen an upswing in investment, growth and quality of life metrics. 

A couple of interesting related articles:

1. Coordinated Pack Investing

2. Attracting SME

3. Availability of Financial Information

4. Perpetual Economic Development

Thursday, July 24, 2025

San Diego Fishing Industry History and the Tuna Coffee Cup

This is an interesting photo of San Diego’s tuna fishing industry, which I took a few years ago. I think it's a descent shot, and I may consider entering it into a few local photography contests. The picture helps highlight the interesting San Diego fishing industry

You can [Buy Cup Here] featuring this design, and browse other related products.

If you're interested in learning more, check out A Deep Dive San Diego Fishing Article. The article highlights some compelling points about allowing commercial fishers to sell directly to customers. This approach improves food quality, reduces costs, and supports food diversity—especially valuable during emergencies.

Sometimes, going back to the way things used to be just makes sense. 

San Diego Fishing Industry Cup
and 
The Walking Path Gallery


Escanaba City Council Regular Meeting Thursday (July 17, 2025): Arts, Carts, and Trees in the Heart

The city continues to explore ways to improve and enhance its appeal for residents, vacationers, and businesses alike. For instance, ongoing discussions about golf carts and bicycles reflect a broader vision of creating a vacation-friendly, golf cart-accessible community. There are also conversations about zoning and property use, aimed at better supporting growth and development.

Local law enforcement is modernizing by incorporating drones into their operations, enhancing safety and surveillance capabilities. Snow removal was another topic of interest. Although we don’t experience as much snowfall as in the past, there’s still a need for effective solutions—especially considering instances like the one night when 10 inches fell in just six hours.

The Bonifas Arts Center will soon offer creative courses for the public, reinforcing the city’s commitment to fostering community engagement and artistic expression. A group also held a discussion on Constitutional authority, and there was notable interest in the future of local boulevards.

Personally, three aspects stand out to me: golf/bike accessibility, community art, and boulevards. Creating a vacation destination that supports golf cart commuting could offer unique charm, though safety and regulations must be carefully considered. A downtown golf cart rental and repair shop—offering both day and long-term options—could be a valuable addition (One has to run the finance/investment numbers for themselves. The idea of attracting certain types of businesses if it is believed it will enhance the whole can be considered. For example taxis were recently encouraged to provide local cars when one closed down and rideshare programs didn't completely cover the community needs.).

Encouraging the arts not only supports creativity but also benefits youth engagement, community health, tourism, and marketing oppoertunities. And finally, boulevards lined with trees contribute greatly to a city's beauty. They often appear in nostalgic, idyllic town imagery for a reason. While practical concerns may require change, preserving boulevards should remain a serious consideration, especially given the clear public interest.

July 17th, 2025 Escanaba Meeting Minutes

Wednesday, July 23, 2025

How Do You Know If You’re Going to Make a Good Firefighter? (A firefighter interest quiz)

That depends. One of the first things to ask yourself is whether you enjoy the kind of work firefighters do and whether you can see yourself doing it in the future. No one can definitively say whether you'll make a good firefighter—except you. But if you're willing to put in the time, stay committed, keep learning, and maintain a reasonable level of physical fitness, you can develop the skills needed for the job.

Our nation needs more full-time, volunteer, and part-time firefighters to keep up with the growing demands of environmental changes, natural disasters, fires, injuries, car accidents, and more. Fire departments are especially in need of people who are dedicated—those who will show up week after week, attend training sessions, and respond to calls when needed.

Below, you'll find a quiz designed to help you explore some of the personal motivations that often lead people to a career in firefighting. However, keep in mind that this quiz is just a starting point. It’s not a definitive predictor of your future career success. Some of the most impactful people in their fields wouldn’t have scored well on similar quizzes but went on to outperform expectations.


Firefighter Career Quiz

*Part of another project. If you would like to donate to a great voluntary fire department let me know. 

The Story of The Clan: The Dangers of Clan Influence over Institutions? (A Hypothetical Thought Experiment)

A Learning Story: Justice Defaults and the Early Signs of Decay

The voice of reason is
often ignored or suppressed
in clans.
Let us continue our learning story—one that explores how a failure in justice can serve as an early warning sign of social decay, a pattern that, if left unchecked, may replicate itself elsewhere.

Most of us understand that corruption undermines society. We recognize that laws serve a purpose, and we acknowledge that people have historically sacrificed for higher ideals because they believed in liberty, fairness, and freedom. The Story of the Clan is a hypothetical, philosophical thought experiment meant to examine how justice defaults and social manipulation can erode democratic institutions. This is an exercise in learning, so take it with a grain of salt—because we will eventually write in an adaptive ending that shows how good people can still steer systems back to integrity.

The Rise of the Clan

History is filled with examples of societies fractured by ethnic, racial, religious, or political divisions. In our story, we refer to a group called the Clan—a network of individuals with outsized influence over local courts, employment, social life, and the justice system. Their power can be both direct and indirect, and its impact is wide-ranging—from harming children to isolating the elderly, affecting people across the spectrum of skin color and background.

The result? A culture of corruption in some circules that justifies the mistreatment of innocent people and erodes our most sacred social contracts. This localized power is akin to big fish swimming in a small fishbowl—insulated, entitled, and unchecked.

Who Are the Clan?

Signs of poor group dynamics
start in youth when 
socialization requirements are high
and carry on into adulthood
when learn and adapting
was long overdue. 


The Clan is composed of everyday people—parents, officers, neighbors, teachers, coaches, public servants, and friends. They originated from childhood bonds and shared activities like sports, which eventually shaped their worldview. But here lies the risk: when core values are distorted by a few individuals with manipulative, narcissistic tendencies (commonly associated with dark triad traits), these views can become toxic and malignant.

Their limited perspectives—reinforced by social pressure—warp local institutions. Those who reject the Clan's rigid groupthink are quickly excluded (often a hidden blessing), and those who persist in defending their boundaries are met with hostility, bullying, and marginalization (what systems should not protect).

Though they appear ordinary, the Clan does not share the values of a diverse and inclusive society. Despite living among many different cultures and identities (e.g., Native American, Black, Hispanic, Asian, Jewish, Muslim, etc.), they exclude others and speak of them in terms that betray a sense of superiority. This early formation of exclusionary behavior—clannism—has been known throughout history to collapse societies where people are forced to conform or start new clans for security and acceptance (The danger of complicity).

Institutional Decay and Corruption

The Clan does not represent all of society, but they are rooted in an old framework of entitlement and control over institutions. In our example, this small group has undue influence over local courts and even some corrupted officers. The internal mechanisms for accountability are weak. Similar patterns have been observed in parts of the Deep South and other localities where justice was manipulated to uphold unwritten, discriminatory codes of conduct.

Most public officials and civil servants are good people. They should not be expected to work around or alongside those who represent regressive, divisive values. Such toxic environments disincentivize principled individuals and erode trust in institutions. The result is the best leave and the least qualified are promoted further eroding with a downward spiral of institutional development.

The Economic Impact of Clan Culture

Clan behavior doesn’t just damage justice systems—it also affects economic development. For example, one study suggests that the presence of clan culture can hurt export potential and limit expansion. In our example locality, the economy declined for two decades under the grip of clan influence. Only after this culture was challenged did the community see renewed growth. Clannism-Stay Home or Go Elseware

However, even partial reform doesn't eliminate the lingering impact of clannism. It continues to shape economic prospects—hurting not only the broader community but also the children of the Clan itself. The danger lies in the group’s reliance on symbolic, superficial judgments rather than critical thinking. Where clans thrive, systems often falter.

A measurable drop in corruption led to significant positive economic momentum. This illustrates how reducing clan influence can improve outcomes for everyone.

A Final Thought: The Purpose of Law and the Cost of Forgetting

Let’s consider broader implications. In some societies, unchecked clannism has deeply hampered progress. This is the worst-case scenario, but it's instructive. When we reward misbehavior, elevate the unqualified, or allow judges or other decision makers with technical legal knowledge—but no philosophical understanding of justice—to operate without oversight, we enable clannism to grow.

The result is a system that no longer serves its foundational values.

If we do not want this, we must not support it. If we know what values we should uphold, but fail to act on them, then we weaken the very institutions meant to protect us. Consider Political Economies of Corruption

Understanding the roots and repercussions of hate and corruption—through the lens of clannism—is essential for those who care, swear oaths and faith in the future of justice, democracy, and their society.

*This is a theoretical, philsophical, thought experiment so take with a grain of salt. We will write in a positive ending. 

Tuesday, July 22, 2025

Belle Boat Photography and Creativity in the Age of AI (Big 5 in Creative Business Personality)

Taking the Tour Evans Picture
Pictures, mugs, products, etc.
Walking Path Gallery
I try and give about half of 
profits away to charity.
Photography remains a meaningful art form, even in the age of artificial intelligence. The human eye captures moments with emotional depth—something AI still struggles to fully replicate, at least for now. This is creativity in action, and in the business world, creative individuals often bring valuable skills like problem-solving and the ability to see things from fresh perspectives. 

By the way, the photo below is one I took during a recent tour of Mission Bay with a friend. We had a great time, and for the price, it was absolutely worth it. I thought I’d share the moment here from the Bahia Belle Cruise.Go early to find parking.

Research has shown that creativity is closely tied to personality traits. One study highlighted that certain characteristics were more common in creative individuals and groups:

  • Group I – Innovators: Scored significantly higher in openness to experience and conscientiousness.

  • Group II – Performing Artists: Scored higher in extraversion, agreeableness, and neuroticism.

These traits suggest that creativity expresses itself differently depending on the context—whether it’s innovation, performance, or capturing the perfect moment through a camera lens.


Monday, July 21, 2025

Loaves and Fishes: A Food Pantry that Does Their Part

It's always worth highlighting the incredible organizations doing the right thing and helping others. Food scarcity is becoming an unfortunate reality for many families, especially as inflation and broader economic shifts take their toll. Sometimes, people just need a little extra support.

As a community, we take care of one another—especially when times are tough. If you have the means, consider donating a few extra food items, or buying a couple of additional canned goods each week for those in need. Small acts of kindness can make a big difference—and the good vibes are a bonus.

 Loaves and Fishes Food Pantry  has been serving those facing food insecurity since 1979.

📍 1984 Sunset Cliffs Blvd., San Diego, CA 92107
🕘 Food Distribution: Every Monday (rain or shine, including holidays) from 9:30 AM to 12:00 PM

Donation Hours:

  • Mondays: 9:00 AM – 12:00 PM

  • Wednesdays: 9:00 AM – 10:30 AM

You can also drop off donations at:
All Souls Episcopal Church
📍 1475 Catalina Blvd., San Diego, CA
🕘 Monday–Friday: 9:00 AM – 3:00 PM
🕘 Sundays: 9:00 AM – 12:00 PM

Thank you for supporting your neighbors in need.