2008 is turning out to be a year for the history books. I have been watching as the markets have been decimated over the past few weeks.  So far, the DJIA is down over 5,500 points off its high in October of last year.  Percentage-wise, we’ve taken a blood bath to the tune of some 35% loss.  Unbelievable.

This is my world, and on this day where the Dow dropped 678 points, I just felt the need to vent a little, so here it is.

I have been in financial services for just over 11 years.  Not terribly long in the great scheme of things, but certainly it’s long enough.  Long enough to know what’s going on.  Long enough to be saddened by it.  Long enough to know that we’re headed into really dangerous waters…especially if the government keeps sticking its big, fat nose into places it doesn’t belong in the name of trying to “fix” it.  The fact is that government intervention is not the way out of this mess.  The government is not some sort of beacon in the night.  They are not – and cannot – be our savior although it seems they believe they’re up to the challenge.  Did I say “dangerous waters” before?  Perhaps “shark-infested” would be more appropriate.

So we have a market acting like it has bipolar disorder, an underlying real estate fall-out with unreal foreclosure rates and the banking industry has turned cannibalistic in order to avoid total failure.  In the past few weeks we have seen the collapse of companies with century-long track records and household names come crashing down (Bear Stearns, Lehman Brothers, and Merrill Lynch to name a few).  In my life and my 10 years at Merrill, I would never have expected that to happen…but who would?  Then again, we know this kind of thing can happen (can you say “Enron”?) so perhaps I shouldn’t be surprised, but I tend towards optimism.

Then as if all of this wasn’t enough, we have a presidential election in less than a month.  I don’t think they could have planned a worse time to be listening to politicians make empty promises.  While we’re trying to work through a major financial crisis, I come home to find my mailbox stuffed with direct mail campaign pieces (for Obama mostly) which surely couldn’t have been free to produce.  Is all that really necessary?  Even in watching the debate this week, I found myself getting frustrated.  At one point I wanted to scream at them, “Could you two just stop your pissing contest for two seconds and freakin’ LISTEN!”  Sorry – I don’t like politicians much…can you tell?  (As a sidenote on the election and politics, I found a really cool website resource called OpenSecrets.org – check it out).

Anyway, so there’s a lot going on.  It can seem overwhelming.  In fact, I’m sure it IS overwhelming for a lot of people.  A lot of people don’t really understand everything that’s happening in the markets – all they know is that their 401(k) is going down in value like a rock right now.  The sad thing is that ignorance is the mother of fear and fear’s best friend is rashness, and when money (or the loss thereof) is the reason for the fear, I think it shoots people into a whole ‘nother orbit of emotion.  I was watching Fox Business News tonight and they had a panel of financial experts with phone lines open.  One woman called in and said she had gotten so scared she sold all of her mutual funds today.  I cringed.  While I don’t want to be cavalier about people’s fear because it’s certainly real enough, if I’ve learned nothing else on Wall Street, it’s that when it comes to your investments, emotion has no place in your decision-making process.  Emotion will cloud your judgment and make you do things like sell all your investments at the bottom (or near bottom) of an already bad market.  I felt so sorry for that woman because I honestly believe selling everything was the wrong move.  Suffice it to say, I’m leaving my 401(k) alone.

In any case, there are lessons to be learned here for everyone – from John Doe to Congress.  Good ‘ol Johnny boy needs to learn how to better manage his personal finances (hey, maybe that Dave Ramsey guy knows what he’s talking about…go figure!)  And Congress?  Well, Congress needs to stop trying to act like a bunch of socialists…and that goes for our future president too – whoever he may be.

So that’s 2008…and it’s not over yet.  I’m not sure this is quite the way we would have WANTED to have the year remembered, but there it is.  The media is screaming (because that’s what they do) and the sky indeed may seem like it’s falling, but I’m not worried because at the end of the day, I know the One who is holding it up.

For now, I’m praying.  Praying for our government, for the election, and the economy.  Praying for sanity and for opportunities.  Most of all, I’ll be praying that one of the things we’ll all see is how unstable the world really is at its core, and therefore how foolish it is to put trust in it. Instead, we need to put our faith and trust on something solid, steady, and unchanging. We need to build our metaphorical houses on the Rock because there it doesn’t matter what winds may blow (or what markets may fall) – the Rock doesn’t move. And I wouldn’t want to be anywhere else in this storm.

“Therefore everyone who hears these words of mine and puts them into practice is like a wise man who built his house on the rock. The rain came down, the streams rose, and the winds blew and beat against that house; yet it did not fall, because it had its foundation on the rock.” (Matthew 7:23-25)

I was just in my very own personal rendition of Alfred Hitchcock’s movie.  At least…I felt like I was on the set.  Getting home from work, I was greeted (read: accosted) by Chena, got changed, and then was sitting down to the computer when I heard a noise outside.  Chena and I both went to investigate only to find the trees, yards, everything around us was completely SWARMING with birds.  What kind of birds, I have no idea, but man were there a lot of them and were they ever LOUD!

I can only assume that they were headed south and decided to make a pit-stop in my development.  Having been truly terrorized by an insanely loud bird who had decided to nest in a tree near her bedroom window this past spring, my roommate’s response when she saw the masses of winged beasts was one of minor terror.  She threatened to call an exterminator, if it came to that.  But I quickly reassured her since I was fairly certain they weren’t there to stay.

I managed to get them on video…sort of.  It was my cell phone so definitely not the best video capture (and certainly nothing to rivial the camera angles and genius of Hitchcock), but I think you’ll get the idea.  I managed to get some of them as they flew off which was pretty cool.

It has got to be the most birds I have ever seen at one time in my life.

If you know anything about personality testing, you know that this is the abbreviation is one of the Myers-Briggs Type Indicators®. As you might have guessed, this is, in fact, my Myers-Briggs type.

Through work and on my own, I’ve been through multiple classes (including Myers-Briggs, DISC, and some others) and find that it helps me to understand other people as well as myself.

For those who may not be as familiar, ENFP (“The Inspirer”) actually stands for Extroverted Intuitive Feeling Perceiving. In essence, ENFPs are all over the map. Our interests are many and varied which I think helps us in being able to relate well to others because chances are there’s going to be some interest we have in common.

I think being a “people-person” predisposes me to interest in personality types and what they mean. Some shy away from personality tests because they prefer not to be “labeled” and that they’ve seen too many people use their personality types as an excuse for poor behavior.

Personally, I don’t find these to be valid reasons for personality test abstinence. A so-called “label” is whatever you make of it – just like stereotypes. For example, I’m blonde and while that may indeed subject me to some ridiculous stereotyping (“Why did the blonde get fired from the M&M factory?”), I’m not about to run out and dye my hair because of them. I also think that if someone is prone to making excuses for poor behavior, they’re not going to stop just because one of their excuses was taken away – they’ll just go out and find another one. But whatever.

I have been an ENFP my entire life…at least I suspect as much. I took my first Myers-Briggs test when I was about 12 as a result of my grandfather who used to insist that anyone entering the family take the test to see how their personality differed from their soon-to-be spouse (I think everyone came up as exact opposites which made me wonder if they hadn’t, would my grandfather have refused to let them marry?) Anyway, I came out an ENFP. I took the test again at 18, 22, 25, and 30. Each test still showed me as an ENFP, although I watched the scores for each letter grow over time so that rather than slowly becoming more “balanced” between each type indicator as some do, I actually became a stronger ENFP. Today I am a more-or-less textbook case – perhaps I should be studied.

Some of what you can learn about yourself can have you feeling pretty good (e.g. ENFPs are warm, enthusiastic people, typically very bright and full of potential.*) Other things you get to learn about are your weaknesses (e.g. ENFPs sometimes make serious errors in judgment. They have an amazing ability to intuitively perceive the truth about a person or situation, but when they apply judgment to their perception, they may jump to the wrong conclusions.*) Hm. Something to work on.

One thing I’ve learned is that, unlike most Extroverted types, my specific combination needs some alone time. This was a relief to discover this after recognizing my desire to sometimes say “no” to going out with people which I thought was supposedly contrary to how extroverts in general behaved. I have also found on vacations that my limit for spending non-stop time with others is roughly 9 days. For instance, on my Thailand sailing trip with 14 other people on 2 relatively small boats, I got up 9 days into the trip, grabbed my iPod, and sat on the bow of the boat for several hours alone that morning without speaking to anyone. I needed that time to get myself recharged and centered – it felt great.

However, I think that results from things like Myers-Briggs or DISC are pretty useless if you aren’t given the direction or tools to know what to do with the information once you have it. At Merrill Lynch, they employed psychologists who conducted team-building workshops which were great. There are other tools and coaches out there who use them to help you discern what career path (or new career) might be a good fit. This is one of the things I’ve used it for – to help give me ideas about where I might want to focus my attentions in the future.

Should I go back to school and become a brain surgeon, or should I consider getting a job at SeaWorld feeding the dolphins?  Perhaps I’ve missed my calling as a professional glassblower, or maybe I should go back to being a waitress.  Maybe I would really blossom in the paint-color naming department of Sherwin Williams, or do I stick with my current role as a Project Manager for the rest of my working life?

I actually think I will always be a project manager whether in my current capacity or not.  Life is full of “projects” (a.k.a. things we have to complete from start to finish) and since ENFPs get bored easily and therefore are generally not good at follow-through, being a project manager now I’m finding is a great help in training myself to finish something I start. That’s great, but the question still remains – What is around the next bend on my Yellow Brick Career Path?  If only I had a periscope to see.

So anyone else want to share their 4-letter code?  No stereotypes – I promise.

* All quotes referencing the ENFP MBTI® personality type are taken from the BSM Consulting website (http://www.personalitypage.com/ENFP.html)

After making the mistake of drinking coffee way too late in the evening, I am now up trying to find ways to occupy myself until my body processes the rest of the caffeine that’s floating around in my veins and allows me to sleep.  And so I thought I would just do a quick write-up on the movie I saw this afternoon, and you guys get to read about it.  Lucky.

Okay, first and foremost, I want it to be clear that I did NOT go to see this film because it was some sort of Christian movie.  In fact, I had no idea that it was until after it started, but I’m getting ahead of myself.

Around 10 o’clock this morning, I got a call from my grandmother asking me if I’d like to go to the movies with her.  She said she never goes anymore, and that there was some new film out she wanted to see called Fireproof .  I agreed, of course (who among us could say “no” to their grandmother?) and looked up the times for the nearest theater on Fandango and we decided to catch an afternoon showing.

As for the film, Fandango didn’t have much to say about it, and I knew nothing.  Being a Dave Ramsey budgeter, I hardly ever go out to the movies anymore and then being a Tivo owner, I no longer watch commercials so had not seen any trailers.  So in essence, I was a totally blank slate going into this with no preconceived ideas or expectations of any kind.

The story centers around a firefighter named Caleb Holt (Kirk Cameron) and his wife, Catherine (Erin Bethea), whose marriage is on full-speed towards a divorce until Caleb’s father challenges him to hold-off on proceedings while he completes a 40-day “love dare.”  Caleb reluctantly agrees, but finds it increasingly difficult as his wife appears to slip further away as a doctor at the hospital where she works begins to vie for her affections.  Caleb presses on, however, encouraged by his father and a fellow firefighter and eventually the story meets its inevitable happy ending.  The film is supported by some good comic relief in parts, and a decent score as well.

My first thought was that the people on screen (with the exception of Kirk Cameron) really couldn’t act very well.  Then I started to see the major Christian references and quickly picked up on what kind of movie this was.  Suddenly my grandmother’s interest in this film made a lot more sense.

Great, I thought, I’ve just unknowingly signed up to watch some sort of weird, cheesy, God-flick.  Flashbacks of elementary school visits to “The Christian Cinema” in Ambler flooded over me coupled with the time I rented Left Behind (admittedly not one of my better movie choices).  I sighed inwardly and decided to just relax and see if I can’t at least enjoy some aspect of it.  At the very least, it would be kinda fun to see one of my favorite junior high crushes on the big screen for the first time since LIke Father, Like Son in 1987.

To my near-complete surprise, I found myself enjoying the film.  The acting which at first seemed contrived, actually got better as the movie progressed…or I just stopped noticing that it was poor (which is probably more likely).  I liked the characters with the exception of the doctor (whose only real contribution seemed to be that of the worst acting overall) but really found myself hoping for the happy ending.

Acting aside, my main criticism of the movie would be that it went on long after what I would have thought to be the natural end.  I understand what they were trying to communicate in that excess time, but really feel it was unnecessary.  The writers could’ve given the audience a little more credit to infer the rest themselves.

My other criticism isn’t so much specific to this movie in particular, but to these so-called “religious message” films as a whole.  I appreciate whole-heartedly what they are trying to accomplish – and indeed I would love to incorporate “The Love Dare” as part of my marriage (should I ever have one someday) but I just don’t understand why Christians feel the need to be so insanely blatant in their storytelling that they end up painting themselves into a niche corner and risk potentially turning off those they most are attempting to reach.

I’m not saying that as Christians we shouldn’t be upfront about Jesus and our faith in Him.  Not at all.  But I think that if people feel like they’re being preached to when they haven’t gone voluntarily into a church, we may not really have the impact we’re trying to.  However, if we were to just put down the Bible-shaped bat some use to beat the world over the head with and instead just show others Jesus by loving them right where they are, the results just might be surprising.

I don’t want to be too hard on Fireproof – I basically really liked it…it’s a sweet love story and I would recommended it for anyone who is in a relationship, ever has been in a relationship, or ever thinks that they may one day be in a relationship.  All I’m saying is that I think it may have drawn in a wider audience if they had spent a little more energy on character development and let the story of love, humility, sacrifice, service, forgiveness, and redemption speak for itself.  All of these things are amazingly attractive even without being framed within a full-out alter call because they are all attributes and side-effects of knowing and loving our God.  If we show the world these in our everyday lives – from the way we treat each other to the way we approach difficult situations – then we’re showing the world Jesus whether they recognize it or not, and then watch them come looking for more.

But maybe that’s just me, so take it with a grain of salt (or pepper, if you prefer), but Christian or not, I still would say go see this movie.  The story really does stand on its own; and the underlying message of love being a choice backed-up (and at times made possible) through action rather than simply feelings-based is a strong, solid one worth the time and money.

Just for fun, I’ll leave you with a link to what the New York TImes reviewer had to say about it – always good to get that objective third-partier’s 2 cents…

FIreproof: Putting Out Housefires, Reigniting Passions by Neil Genzlinger

I do not really consider myself a control freak. This is not to say that there have not been definite times in my life when I probably was closer to being one than others.  Whether you have control-freak tendencies or not certainly comes in part from personality, some I think is maturity. The older I’ve gotten and the more I’ve learned about myself and the world, the more I have seen my perspective shift. Things I thought were important (read: life and death) at 24 are not the same things I concern myself with today…and thank God for that! Can you imagine if we all ran around our whole lives with the priorities of a 20-year-old?

Some of my control freak tendencies as a younger me stemmed from trying to figure out how to survive in the “real world”.  Prior to leaving my parents house, there wasn’t much I had to worry about, so I think I had more time and energy to spend being controlling about stupid things in life like the organization of my CDs.

Once I got out on my own, suddenly there were more real concerns…and these were concerns I had to face not as part of a newly married couple (as so many of my friends were), but as a single 22-year-old with no clue.  I was plagued with questions like: How do I get my utilities turned on for my new apartment?  Where’s the nearest laundromat?  What do you cook with when you have no money to buy pots & pans?  Can the human body truly subsist on mac & cheese alone?

Initially, I was also still concerned with the mundane issues like having my CDs in alphabetical order by artist, but the more busy I got with attending to the bigger picture, the more those cares and tendencies towards trying to control the little things slip away.  Today, my CDs are still more-or-less arranged by artist, but are not alphabetical and are spread across at least 5 different locations in my home so if you’re looking for a particular CD, good luck because unless it’s U2, I probably can’t tell you where it is.

I think if I were a true Type-A individual (which, as we all know is just a nice way of saying “control freak”), something like coming over and messing with my kitchen drawers or cabinets, would totally rock my world.  However, I can say with a pretty high degree of confidence that you could go ahead and do this and I wouldn’t really care.  This is not to say that I don’t try to keep my kitchen organized – I do, but not because I feel the need to be in control of my kitchen.  Rather, I just think it’s easier when all the pots, plates, glasses, and bowls are with more of their own kind.  Call me crazy, but I like not having to hunt for lids to my Tupperware. I’m also somewhat limited in cabinet space, so things have to remain somewhat organized or else it wouldn’t all fit.  Actually, the more I write about this, the more I realize that my kitchen may not really be the best illustration.

Let’s try the pantry instead.

My pantry is a crazy, assorted array of dry food and spices.  There is pasta, cans of soup, cereal, boxes of 100 Calorie packs, pudding, taco seasoning packets, and God-knows-what-else. The only things remotely organized about it are that the spices are all together on a rack and I think that the cereal is more or less on the same shelf.  That’s it.  My pantry is definitely NOT the pantry of a control freak.  Monica Geller would probably need to be hospitalized if she saw it.  My pantry is more representative of my approach to life than any other part of my house:  As long as I can find things and nothing is in danger of falling off the shelf, I’m good.

The problem with this approach to life is that it may work for my pantry, but doesn’t really fly when you’re trying to do things like a budget.  Until I started the Dave Ramsey plan in February, I’d go literally years without balancing my checkbook.  My sister would say she couldn’t understand how I could NOT balance my checkbook and I would try to explain to her how it was just one of those things I found tiresome and tedious and really not all that important.  I realize now that, while still tiresome and tedious, the balancing of the checkbook is actually very important.  Essential even.  Being on a budget and along the path to becoming debt free has forced me into a behavior pattern that does not come naturally to me – surprisingly I’m pretty good at it, but that doesn’t make it easy.  Needless to say, this has been a difficult albeit necessary shift for me.

Dave Ramsey calls people like me a “Free Spirit” (read: non-control freak) which is essentially the antithesis of what he calls a “Nerd” (read: control freak).  Marriages, he says, are generally made up with one of each.  As a Free Spirit single, having to take on Nerd activities is a real challenge for sure, but where I’m finding myself struggle the most these days is in keeping up my motivation. 9-months into my debt-free path, my interest is waning.  It was easy enough when I first started out and kicked some major debt-ass with my year-end bonus and tax refund, but the day-to-day grind is what’s bringing me down.  My monthly committee meetings with my budget accountability partner (Shanna) is a great help.  She gives me some much needed “Atta-girls” and reminds me to look at how far I’ve come since the starting point, not get caught up in how far away the finish line feels (“Are we there yet, Papa Smurf?”)

So Shanna helps.  Reading through old posts from when I first started my budget also helps.  But what I’m really getting excited about is what the next few months hold.  There are some things coming up which I feel will give me a much-needed ‘Matt Foley‘ motivational speech…and not a moment too soon.

First is a one-day seminar on Personal Finance we’re holding at The Well in November followed by a full run of Financial Peace University which we’re starting in February 2009.  In general I find there is nothing like feeding off the inspiration that comes from being surrounded by others on the same journey…

Additionally I know that as I get more involved in this area, I will be able to help encourage and support others which I think is the best form of motivation there is…  Well, that and not waiting to end up living in a van down by the river.