Web Design & Development

Hippo

In 2008, I went to Africa for the first time and was close to being killed by a hippo. Hopefully that first sentence is enough to get you to read the rest of the story.

hippo-aloneIn case you didn’t know, Victoria Falls is the largest waterfall in the world and can be found at the border of Zambia and Zimbabwe. We were staying at a beautiful hotel that is right on the river and had a private entrance directly to the national park at the top of the waterfall. Victoria Falls also has a really cool natural formation called Devil’s Pool where you can swim right at the edge of the waterfall with little danger of going over the edge. That is something I wanted to see, but the waterfall is a mile-wide so it can be hard to find.

In the national park, they have what are known as illegal guides. Basically these are just locals hoping to make money off of tourists somehow. So we asked one if he would take us to Devil’s Pool despite the fact that the sun was already starting to set. He assured us that it would only take 15 minutes so we decided to go for it. If you’ve ever been to Africa, then you know that everything takes, at a minimum, twice as long as they tell you. So by the time we hopped from rock to rock all the way to the pool, 45 minutes had passed and the sun was gone.

Let me take a minute to remind you what dark is. If you live in the city, you are used to walking down the street and having some sort of light source other than the moon. That is not the case in much of Africa. For the rest of the story, we had only the moon and later one small lightbulb by a gate.

We finally made it back after tripping and slipping on the wet rocks in the dark with more than a few bruises on our legs. At some point, I considered the fact that there might be crocodiles but the river was running pretty fast so I dismissed it. A hippo never crossed my mind despite having seen them less than a mile up the river earlier that day.

When we got back to dry land, we found the gate to our hotel property locked but there was a little market that also had a gate and we could see a light shining on the gated entrance. We started to walk along the fence to the gate, hoping to flag someone down, when an enormous shadow passed in front of the gate. When I say enormous, I mean that on all fours it came up to my shoulders.

Two relevant facts about hippos is that they typically come out of the water after sunset to feed on grass because its cooler and they are also considered to be the most dangerous animal in Africa.

Our illegal guide immediately stopped and whispered for us to do the same as the creature passed through the light and stopped in the shadows about 30 feet from us. So here we are standing there with a hippo staring at us although we can’t see it anymore, an electric fence to our left and the river 40 feet to our right.
monkeyI have to break from the story to give you a little more perspective. Earlier that day, Mindy and I were walking through the hotel grounds to go to get a drink. There are tons of monkeys hanging out in the trees which is very charming at first. On of them spies Mindy walking with her lime green camera case which to a monkey I assume looks just like an apple. He jumps down from the tree and comes right at Mindy with arms raised and teeth showing. She screams and jumps on my back. Luckily the hotel has staff dedicated to monkey control. They actually pay guys to walk around with slingshots and keep the monkeys from hassling guests too much. He runs over and scares the monkey away.

Mindy asked me later why I didn’t do anything to protect her. My response was “I’m from Dallas. I have no built-in reaction for what to do in the event of a monkey attack.” My point in this tangent is that there are some situations in life that are so unexpected that you really have no idea how to react because nothing in your collective experience really prepared you. For me, coming face-to-face with a 4000 lb hippo was one of those. I was prepared to take my chances climbing the electric fence.
hippoOk so just a reminder, we are standing in the dark, 30 feet from a hippo with no chance of running away from it. After about an hour (in my head, 30 seconds in real life) of standing still, our guide picks up a rock and throws it behind the hippo. The hippo takes off. There were only three directions it could possibly run. The first was horizontal to the rocky waterfall which was likely not a realistic option to him. The second was at an angle in the 40 feet we had between us and the river. The third was directly at us meaning imminent death. I don’t think our guide took number three into account when he threw the rock, but I was glad that the hippo chose route number two and it sprinted passed us within about 15 feet, impressively fast for such a large animal.

This is the part where I tell you what I learned from this experience. First is that everything in Africa takes longer than you think. Second is that you should not be afraid and try new things because when you get old you’ll have really unique stories to tell your grand kids.

Posted in Stories on

Pay off debt or invest

Mindy and I are saving up for a new car. We are hoping to make the purchase sometime in January of next year. The best case scenario is that we’ll pay for the car in cash. The more likely scenario is that we’ll have enough for a significant down payment and only take out a small loan. However, I recently changed my mind and decided to take the debt of a car loan and use the cash elsewhere.

Our scenario

We bought our house back when the banks were just handing out money to anyone who wanted it. Since it was so easy and we didn’t have a ton save up for a down payment, we did an 80/20 loan on our house. That means that we have a big loan at 6% and a smaller loan at 7.8%. This was great at the time because we needed to buy a lot of stuff like appliances for the first time. We’ve always been slightly aggressive at paying down the small loan, but we still have a ways to go.

You should refinance

Every one has been telling me this. Interest rates now are easily around 3.5% and we could be saving up to $600 per month if we were to refinance. But there is a catch. In order to qualify for a refinance, you need to not be risky. If you just started your own business, you are risky and they want to see two years of proven income. So it doesn’t matter that my business has done well and we make more money now than when we bought the house. This has been extraordinarily frustrating and a gap that needs to be filled by some entrepreneur.

Back to the car loan

So why am I taking on a car loan? Because I can get a new car loan in the 4-5% range, while my small home loan is 7.8%. So the rate of return we get on paying down the small home loan is greater than what we would take on by adding a car loan.

Why not invest instead?

Here is where you have to make a judgement call. I could take that money and invest it keeping both the small loan and adding a car loan. If I get a rate of return of something like 13% then I’m likely making more by investing it. But let’s be honest at my chances of getting a 13% return on my investments. I’m more likely to get 3-6% in the short run. Also there is a risk that I lose money if the economy takes a turn for the worse or I just suck at investing.

Conclusion

In my scenario, paying cash for a car doesn’t make sense. Since I have other debts with a higher interest rate than the new debt I would take on. So I’m taking my large down payment I have saved and putting most of it towards my small house loan.

Posted in Finance on

$150 to stock your bar

I found this information on Reddit and I’m posting it here so I can easily find it. Here is a list of everything you need to have a respectable bar on a budget of $150.

Mixing Base Liquors (all 750mL)

Total: $96.72

Mixing Ingredients

Total: $53.27

Potential Upgrades

Posted in Personal on

53 days of movies

movies
Letterboxd is a website where you can catalogue the movies you’ve watched and do a bunch of other stuff like review them or make lists of ones you want to see. It is a really well done site and they just launched to the public. Well I was bored one afternoon so I started going through to see how many movies I’ve watched. In about an hour I was able to identify 692 movies that I’ve seen. That’s probably nowhere near comprehensive, but I would guess is about 60-75% of the total.

If you assume on average a movie is about 110 minutes, then I’ve spent almost 53 days of my life watching movies. There were a lot of bad movies on there too.

Update:

I spent a little more time looking through the movies and have now identified 971 movies that I’ve seen. That brings the total to more than 74 days of my life.

Posted in Personal on

Good TV shows

We are definitely in the golden age of television. I’m to the point that I almost prefer a good tv show to a movie because the plots and characters can be developed so much better. Here are a few shows I’ve been watching the last year that I recommend.

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Sherlock might be the best thing on television right now. It is a modern day take on the Sherlock Holmes stories. Each episode is loosely based on one of the old stories but based in current day. The show is unique because each episode is about an hour and a half. So season 1 only has four episodes.

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Dexter has been on for a while and I just finished season 7. It has probably fallen off in quality just a bit, but it is still really good. Season 4 with Jonathan Lithgow as guest star is still one of the best things that ever happened on television.

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Game of Thrones is well worth the hype it gets. The characters and plot lines are numerous and well done, just like the books. I still think how they initially marketed the show with Sean Bean given the plot was genius.

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Battlestar Galactica doesn’t really belong in recent TV since it went off the air in 2009, but I was a little late to the party. This show sounds incredibly nerdy, but it is really well-done and I watched all four seasons in just a few weeks.

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The Walking Dead is the most suspenseful show on TV, probably because they kill off characters at an alarming rate. They almost lost me after a sub-par season 2, but season 3 seems to have redeemed them. The pilot episode is incredible and is big-budget movie in quality.

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Homeland is like 24, but with Inigo Montoya. The first season was incredibly addicting. I’ve heard mixed reviews about season 2, but I’m excited to catch up.

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Downton Abbey is the one you watch with your wife, but secretly you enjoy it too. I can’t really explain why I enjoy this show, but we just finished season 3 and I’m still hooked.

Posted in Recommendations on

The best t-shirt in the world

I wear t-shirts a lot. If you are looking for the t-shirt that is both durable and very soft, then look no further than the American Apparel Poly-Cotton Crew Neck. They won’t deteriorate in the wash and they have a little stretch to them but the neck won’t get stretched out. I own at least five of them, but I really wish I had one in every color. They are $20 each, but worth every penny. You can buy them on Amazon here »
t-shirt

Posted in Personal on

My favorite restaurants in Coppell

Here are my top five favorite restaurants in Coppell. Two that narrowly missed the list, but still deserve mention are Anamia’s and Palio’s.
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5. Coppell Deli
Even though I don’t (can’t) eat there a ton, a burger or stubb from the Deli is something you have to do if you live in Coppell. And don’t go to the new, fancy Deliman but go to the original in old downtown Coppell. The Cowboys used to go here all the time back in the 90s. Get a stubb when you go. Get directions »

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4. J. Macklins
This is a newcomer to Coppell, but everything I’ve had has been excellent. It’s a step above in atmosphere than the Chili’s it replaced, but still kid-friendly. Try the shrimp and jalapeƱo grits. Get directions »

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3. Hard Eight BBQ
Not completely unique to Coppell since the original is in Stephenville, but this is the place that you see on every football game played in Dallas. The BBQ is great, though somewhat pricey and it is great for large groups. The outdoor lines by the stoves can be miserable in the summer, but enjoyable in the winter. Try the sausage. Get directions »

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2. Daddy Jacks
They may actually have the best food in Coppell, but you’ll pay for it. Don’t let the strip mall fool you, this is likely the nicest restaurant in Coppell. It’s great for nice dates with no kids and it’s only open for dinner. If the weather is nice then the patio is fun to sit in. I highly recommend the crab-stuffed shrimp. Get directions »

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1. Pan Acean
There really is no competition for the best in Coppell with us. We eat here or order take-out almost every week. It is Asian-fusion and I have never had anything that wasn’t good. Our usual order is crab wontons for an appetizer and Pad Thai for the entree. You should also try the Chef’s Special. Get directions »

Posted in Coppell on

Excellent customer service

I recently had great customer service from two companies that I think is worth documenting. It used to be so rare to get good customer service so things like this are a good way to keep me as a customer for a long time.

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I dropped and cracked my new iPad Mini. I always buy my electronics with an Amex because they have a 90 day guarantee if your item is stolen or breaks. I submitted a claim online, expecting a long process of sending them receipts and maybe even the iPad while hoping to get a refund within a few weeks. I was blown away when I got an email in 3 days saying they had credited my account for the full amount so I could get a replacement. I even called them to double check because I didn’t think it could really be that awesome. It was!

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We buy a ton from Amazon every year so it is worth it for us to pay the $79 per year to get free 2-day shipping. I was a little surprised when I placed an order recently and it didn’t get here in time. It ended up taking 3 days to ship so it wasn’t a big deal but I wanted to make sure that this was an outlier and not a trend. I submitted a ticket to Amazon to ask what had happened and they replied with a long email apologizing for the delay. For the inconvenience, they gave me a $5 credit also. I wasn’t that inconvenienced but I’m definitely convinced that Amazon is committed to me as I am to them.

Posted in Companies on

2013 Resolutions

I made a few easy resolutions for 2013. Here they are for record-keeping:

Posted in Personal on

One-Man Submarine Ride

Today is my last day at Moroch as the Lead Web Developer. I spent almost a year there helping them move their interactive work forward and develop a digital capability. I learned a lot about client work and was able to build several good tools for the future. I’m very thankful for the opportunity and wish everyone there the best.

Every evening for the last few months, I’ve spent in our back room working on side projects. I’ve recently even had to turn down a few, just because I couldn’t commit the time to do it well between other clients and my fulltime job. The whole time I’ve been wanting my side jobs to become the main thing, but didn’t know if I could make it work. I’ve felt a bit like Walt Grace.

Walt Grace, desperately hating his old place
Dreamed to discover a new space and buried himself alive
Inside his basement
The tongue on the side of his face meant
He’s working away on displacement
And what it would take to survive

I’ve always wanted to be on my own and build really cool things for my own clients. So on Monday, I am off to start my own interactive agency. My goal is not to always do this alone, but to build an agency that uses the web to solve business problems. I am going to focus on mobile solutions because that is where my passion is and the growth in the mobile web is unbelievable.

Mobile Web

To start out, I will be working part-time with the folks at Ascendio a few days a week. They are doing really great work for several non-profits and churches. On the other days, I will be working for my own clients and meeting with prospective clients. I have a lot of other ideas to build out, but those will come with time. You’ll likely see a change on my site soon to explain what I do a little better.

I’m going to try to commit to writing about the process of going out on your own. There is limited quality material out there about other’s experiences and the small pieces I have found have been very helpful. I’ll be talking about every apect, from how I do the work to how to pay taxes. I hope that it will be a useful resource for others out there.

Three Stars

I’m really excited about the potential and hugely thankful to Mindy for being supportive of this big change. Generally, you don’t quit a job with good insurance one month before your second child is born. But Mindy has been incredibly encouraging and is 100% behind this decision. At the end of Matthew 6, Jesus talks about not needing to worry about where your food and clothing will come from because he will provide for us. We are about to put that to the test…

Posted in Personal, Work on