Investment Accounting

The Nobleman Is Yet Away — San Marino, California © 2024 Craig Dahlberg

Youth imagines time to run on forever. Typical of our young station in life, there is neither enough time nor money to supply our interests. Investable resources are drawn down to support the thing at hand, with less thought of those many decades ahead.

Perhaps, for awhile, that is as it should be. Youth feeds upon the hope of opportunities at hand to grow the vision and passion of our yet-to-be discovered futures. How many times, as young people, have we re-imagined what our lives would become? Somehow, ageless bodies, good fortune and our emerging skillset would provide whatever that future held.

During my early twenties, it first occurred to me that I was falling behind. The automated success ladder I had envisioned for my life became less automatic, and I slowly veered off course, a small degree at first, which widened with my advancing age. How had I been relegated, at my first job, to cleaning toilets in a restaurant? How did I find myself, shirtless, hot, and profusely sweaty, baling hay in Mississippi? And, ignorant of the profoundly itchy characteristics of okra upon the skin, how was I now ignorantly harvesting it bare-handed and bare-chested?

I continued onward with vague goals, and without the means to achieve them. Little did I recognize that I tottered already on the precipice of an ungoverned financial future.

The earnings of $1.25 per hour at my first job were put toward my first car ownership, a 1962 MGA Mark II Roadster with rusted door panels, which I purchased for $300 when I was 17. I considered this purchase a mighty good investment both toward transportation and developing social opportunities with the fairer sex.

I failed to realize that the $300 required for the purchase of the MGA, along with all my other earnings, did not belong to me. Rather, it was all on loan to me, as were all the other accounts of my life, monetary or otherwise. Success in every enterprise, reputation, health, relationships with family and friends were all ceded to me from God. They were on loan to me. My interest should be to prosper them and generate what good I could of them, before the eventual completion of the terms of the loan.

My thinking started to change. I began asking myself — when time itself is folded up and retired, what value of our lives is there remaining?

The Gospel of Luke, chapter 19, reminds us of the investments loaned by a nobleman to three servants. Upon his return, the nobleman would ask for an accounting of the three loans. One servant took wise risks, investing his loan aggressively, which paid off. Over time, his financial investment soared, as did, we might assume, the other similarly managed affairs of his life. Due to his devotion to excellence, his professional advancements arrived with remarkable speed. Before long, he himself purchased the very company that had initially hired him. He may have become a man of great influence, whether obvious or subtle in nature. He stirred vision and passion in others by his virtuous behavior. Once, upon taking a corner too fast, an old Volkswagen overturned; he ran over to help, rolled the car over with the driver still strapped in the seat, then pulled out the crumpled fenders with his bare hands. He was a gregarious sort. When his neighbors complained about the ruckus from the parties he would throw for his friends, he remedied the issue by inviting them to his parties as well. Upon his ultimate return, the master was pleased with him, very well pleased, and the servant was appropriately rewarded.

The second servant was equally virtuous, a prudent lifelong conservative investor. His were ever an equal mix of stock and bond ETF financial investment products. They were safe, and he needn’t fret over economic downturns. His finances were established to weather adversity, as were his other affairs. A man of lesser passion than the first servant, he carefully governed his relationships. His friendships with others, cookie-cutter versions of himself, were reliable and pleasantly in tune with his own persuasions. He was a faithful and good worker, advancing up the predictable ranks to the admiring “Atta boy!”accolades of his coworkers. Upon passing by a person in need, he might consider how he might meet the need, pause for the briefest moment, then press on. “Ah! A little too late, already passed by—never mind.” To prove his compassion, he would be the first to phone in a 911 emergency—from a safe distance across the street. He noted his tarnished world and its misdirected values, and he exerted his passionless, middling efforts, budging toward doing good when convenient, and performing righteous acts without staining his trousers.

A lone koi fish circled the grimy pond within the courtyard of the third servant. Deflated by life, he awaited funds for its restoration. A browbeaten and fearful man, he expected the worst and accomplished little. He supposed his boss to be an abrupt and unpredictable taskmaster, who himself would take credit for the servant’s work. A boss, he mistakenly perceived, with unreal expectations and no room for lax performance. Office parties were a thing of horror for the servant, who with feigned devotion would heap self-ingratiating praise upon his supervisor. He danced, like a marionette, to earn his boss’s approval. In the end, the character flaws within the third servant produced no growth whatsoever, no improvement of character, performance, relationships, grace, or virtue. The servant succumbed to such self-manufactured fear that he squandered the generous nobleman’s loan, securing it safely within his mattress, its real value slowly but surely depreciating over time; he ended with less than what he had been entrusted with.

At the appointed time, the nobleman, now crowned king, would return and require an accounting of his investments long in the making. But before then, we may make two observations. The first is that a reward clearly awaited those who had invested wisely. And perhaps even more prescient—while the nobleman was yet away, there was still time enough for the servants to mend their ways.

Mind the Gap

Minding the Gap with Music © 2023 Craig Dahlberg

The street troubadour resurrected familiar songs of bygone days. He lobbed his songs to anyone who would stop long enough to lend an ear and hopefully send a tip his way. As I listened, his melodies floated across the gap of the long-abandoned trolly tracks to his audience, a solitary street person, his music bridging the gap between them.

The British have a delightful cautionary expression, “Mind the Gap!”  It reminds passengers to watch out for the space between commuter train doors and the station platform. Pay attention! Put your brain into it! Not doing do so could alter—or end—your life! So, pay attention to the space around you!

Our musician friend Minded this train track Gap. His music created a bridge across the space, the Gap between him and his vagabond neighbor.

There are many “Gaps to be Minded” that appear everywhere in each of our lives. How well do we manage to “Mind the Gap”?

Fishermen Mind the Gap between the stream banks. Investors Mind the Gap between deposits and withdrawals. Students Mind the Gap between their efforts and their grades.

Here’s a bit of a strange Gap: dogs and their owners. Dog lovers must attest, at least occasionally, to cradle their faithful canine friend’s muzzle in hand, stroke her fuzzy head, peer deeply, deeply into her eyes and wonder, “I love her. Does she think about me, love me? Are our brains synchronized in some sort of Gap-Bridging brain-bond? Is she starting to think like I think? To desire what I desire? Can the two of us bridge the gap between human and animal understanding? Yes! She “gets” me! But then, suddenly, she breaks free from my eye-stare and my head-scratching grasp, yielding to baser doggy instincts, licking herself in all of “those” places, and I realize that, well—all my imagined meditations of human-to-animal societal breakthrough were just that—imagined. Minding the Gap between human and animal will wait for a more practiced Gap-Minder.

There are other more significant reasons to “Mind the Gap.” Children try to figure their parents out. Parents try to figure their children out. Cross-generations have a difficult time of it! How to cross over those blasted Gaps!

What about the friends we value so highly—yet with whom we can easily get askew? Gaps can appear even in these closest of friendships. How do we Mind these Gaps?

And now, the risky one—Minding the Gap with a spouse. There appears to be an unmistakeable “Je ne sais quoi” difference between a man and a woman—a distinct difference in perception, evaluation, activity and verbal skills. These distinctive traits are delightful and invigorating at times, confusing and frustrating at other times. Early on, with infatuation in full bloom, this Gap is small, seemingly insignificant, but if “Unminded,” the Gap can grow with the years, until the Gap is challenging to cross over. Eventually, quarreling, disrespect and indifference can find a home in this Gap, leading to who-knows-what outcomes. Counselors of various stripes may be employed to help us Mind these Gaps and Mend these Gaps.

Minding the biggest Gap of all is, in fact, the one that we might try to dance around. It’s not a Gap like the distance to the moon, or to the sun, or to a distant galaxy. Even talking into my dog’s brain is a piece of cake—or a piece of doggie treat—in comparison to this Gap.

I refer to the Mankind/God Gap. This is an oil-and-water thing. Stir them as we might, this Mankind and God Gap never really mix. We’re not God. He’s not us. What to do?

There’s a weird way forward, and it’s a big mystery at that. To bridge this Gap, it turns out that Moses had a sort of chatbox to God, like a computer creates an interface, an accessibility. Moses’ chatbox was a means of entry into God’s thoughts and language. Imagine that. Able to hear directly from the Almighty.

Moses’ chatbox wasn’t virtual; it was real, happening in real time. The Moses chatbox thing worked like this. Moses would go into the Tabernacle, a place where he would tune in to, and listen to God. We are told that in that place, in that particular space, something spectacular happened: “Between the two cherubim—the place of atonement. The Lord spoke to him there.”1

A pretty amazing event. Truly amazing.

Sometimes when I’m at home alone, I’ll look down the driveway to be sure there’s really no one else around. Then I’ll enter the house and turn up my favorite music really, really loud, until the walls vibrate. I suppose that’s what it must have been like for Moses, Minding the Gap, listening, in that special place. In that space, the Voice between the cherubim must have really flapped the walls of that Tabernacle tent.

I would love to have heard it.

I wonder if that Voice could happen again. Perhaps turn down that volume a bit, and then a bit more, until the music fades away. And then, listen. Just listen and Mind the Gap.

1 Numbers 7:89

The High Cost of Living

© 2022 Craig Dahlberg

During just the first two months of 2022, the price of a can of Campbell’s tomato soup at Kroger rose by 25 percent. The rising rate of cars and fuel prices have far surpassed Campbell’s soup, a bellwether of staple food economics. Even the price for mattresses, where one might be inclined to recline, hoping to forget about all this, has skyrocketed.

Have you ever tried to run up a downward-descending escalator? That escalator is the current state of economics. We’re all running hard to keep up, but getting nowhere.

The high cost of living is upon us.

The uneven, up-down, zigzag floors, walls and ceilings of a funhouse are just that—fun—for awhile. It’s a relief to come out the other end, having survived the intractable and dizzying balancing act. But when will this economic funhouse finally settle down? The cost of living is skyrocketing.

I prepared myself for my customary morning walk on Friday, Good Friday, to be exact, the Friday before Easter. I doused myself with deodorant in the off-chance that Joe would want to chat. I often meet him mid-stride on my walks, as I quietly lurch down my familiar back streets. Joe likes to hail me from across the street. It took Joe several months to learn my name. For many weeks, he christened me with the name, “Frank.” I get that a lot. Upon introducing myself, I’m often mistakenly called Frank, perhaps because I mispronounce my own name. “Frank” comes out much more distinctly than “Craig,” which I myself sometimes choke upon, getting stuck somewhere around my tonsils, the place in the gullet reserved for salt water gargling. “Frank” seems a much more straightforward, tongue-forward appellation.

After several dozen more exercise walks, I finally trained Joe to learn my real name. Now I get, “Hi, Greg.” Never mind. His intent is good. My next task is training him to discern the difference between a “G” and a “C.”

Anyway, Joe is a retired school teacher who cares for grandchildren on occasion and walks his dog with religious fervor. There used to be two dogs on his leash, but last year the golden retriever perished quite suddenly in its sleep after being diagnosed with cancer. How do I know this? Joe freely invites me into his world to share the trivia in his life. In some way, I am gratified to be trusted with the rigors of life by this one-time stranger. He lays out a welcome mat into his world.

On this day, this Good Friday, while chatting curbside with Joe, I suddenly realized that I had not paused my Apple Watch exercise timer for today’s discourse interlude. So I attempted to gently drift downstream away from Joe, despite his attempts to close the growing gap between us.

I lurched and forged ahead, leaving Joe to ponder the correct pronunciation of my name, and determined to mark my exercise miles and minutes. The late fitness guru, Jack LaLanne would be proud.

Abruptly, mid-stride in my exercise brain haze, I half-stuttered a step, lurching sideways like a crab skittering from a codfish. A full step would have landed me directly upon the remains of a rabbit, car-flattened. This bit of brown fur was once a beautiful creation. I lingered over it in awe and consternation.

It was laid open, a beautiful handiwork of its Creator, dissected by an automobile tire. It was still a thing of beauty, but a Picasso re-arranged structure it was. The parts were there, but not in the originally-intended design. 

Why did this rabbit meet his demise on my exercise street? Why on Good Friday, just two days before Easter? Was it some sort of omen? The implication was obvious—could it indeed be the Easter Bunny? A horrific thought.

My Good Friday Bunny soon disappeared from the roadway. The next day, during my walk, he was but a flattened pelt with most of the fur missing. And the following day he was gone, nowhere to be found. Surely, he had not been raised on Easter Day, this Easter Rabbit. No, indeed, surely not. But the irony was not lost on me, his coincidental death on Good Friday and disappearance two days later—contrasted with the incarnate God-made-flesh, the real Easter Hero who perished on Good Friday and was resurrected on Easter, two days later.

These days, as we all know, it costs a lot just to stay alive. We know something of the high cost of living with each visit to the grocery store or fill-up at the gas station.

When our friend, Mr. Rabbit, tragically met the Goodyear tire while crossing the road that day, he experienced the ultimate high cost of living.

But the alternative Easter narrative is the one we will to choose to remember. It’s the one in which, on that triumphant Easter morning, there was offered a permanent, never-ending solution for the high cost of living.

Just Grow a New One

© 2022 Craig Dahlberg

I laid down my gardening tools, sat on my haunches, and watched the torso-less green and tan lizard tail twitch on the still, brown mulch. Slower and slower it convulsed until several minutes later it lay still, convinced finally that reassembly to its body was not forthcoming, and no further electro-nerve impulses would be sent its way.

“Ah, it’ll grow a new one,” I mused, half-pretending that it was not I who had inadvertently severed said lizard body from its tail with a power hedge trimmer. In fact, I know not whether all lizards or only some lizards can re-grow various missing parts.

Too bad humans cannot re-grow body parts; such ability would have found useful service for Grandfather Axel’s right index finger, or at least much of it, down to the middle joint. Grabbing severed finger with his other hand, Axel tried to re-attach it himself, jamming and ramming it onto the remaining finger stub without success. I’ve no doubt that the finger actually gave him no hope—no slow-motion twitching and thrashing about like the aforementioned lizard tail that I had sat to observe. Still, onward he jammed, until reality eventually set in. The severed finger would not revive.

What was left after his unfortunate power saw incident was a stub, a stub that years later, and for many years thereafter, Axel would poke into my abdomen at mealtime with exceeding encouragement, deeply stub-prodding as if he could discern slight voids where food ought to be.

“Ah, there,” he would declare, “There’s just enough room there for another slice of tomato and a meatball or two!” I would eagerly down the tomato and meatballs to fill the gap.

I, also, possess an injured right index finger, though my injury pales next to that which Axel suffered at the cruelty of the power saw. My own injury is due to an errant softball hurtling toward my head. Just in time, my hand, and the tip of my extended index finger in particular, shielded my face. The resulting lifelong souvenir is a fingertip that can no longer point straight. To point in a desired direction, I must purposefully aim it slightly up and to the left. Otherwise, giving directions to a traveler might result in a trip to Chicago instead of Milwaukee.

“Just go that way,” I point, “you can’t miss it.”

“Excuse me, which way?”

Twenty centuries ago, the first Catholic pope, who possessed no medical certifications, amputated an ear. Saint Peter and his companions, in the solitude of an olive garden, were suddenly set upon by a band of religious legalists. Under duress, Peter drew his sword and swung it, amputating the ear of one of the intruders. Malchus, now earless, happened to be the slave of the Jewish high priest, and a member of the party sent to arrest Jesus. Not a good thing to happen.

Jesus, the ultimate Primary Care Physician, would have none of the violence. Picture Jesus picking the bloody ear up off the ground, brushing off any olive residue, and reattaching it. Unlike my Grandpa Axel’s attempted finger reinstatement, Jesus’ reattachment held fast, a very good thing for both Malchus and Peter.

It’s reasonable to seek attachment in a chaotic world. Detachment from meaningful purpose and the people and things we love is not easy, and reattachment is not always possible. Sometimes, what we need most is a loving, stubby finger poke to the stomach and to hear, “Hey, I made it. So will you. You’ve got room for more.”

The Decades


Each new decade of our life signals new ends and new beginnings. Perhaps a new decade reminds us that maybe, just maybe, we are ushering in a smidgen of new wisdom into our lives. If we are fortunate, grateful endings and unspoiled new beginnings can be a part of this decade-aging process.

This year, I rounded that new decade corner by entering a new, “I’m Now-in-My-70s” decade. Make way! I’m already seventy-times-round-the-sun age! How could that happen? Just yesterday, it seems I was making a figure of my first grade reader’s mascot, Penny the Cat, cut out of construction paper and handsomely colored with crayons. Years became decades. Navigating college lunch lines and managing social circles pushed thoughts of Penny far to the side. Falling in love and finding a job and raising a family, all while trying to figure out who I was—and would become—were exhausting and all-consuming. More aging decades of ends and new beginnings emerged and disappeared into fog. And then came the Golden Years and retirement, that vast canvas scroll of uncertain length. So much already behind. Formal education, done. Children, grown up and on their own. Check. Career, or make that plural careers of unequal lengths and varying quality. Got ‘er done. In hindsight, was I actually designed to evolve into whom I have become or what I have done? Never mind. It’s all in the rear view mirror, all bound together, sometimes tidy, sometimes barely held with crude baling wire.

There remains one unlikeliest constant companion in all this sea of decade-swapping change—my primary care physician. He increasingly populates more appointments on my calendar with each passing year. He is now 87 years old, and I thought he was elderly when I first retained his services, 25 years ago. He’s a remarkable man, having reared two sets of twins and a several others as well. On his days off, my doctor is a flight instructor at the local airport, something he’s done for 40 years.

With each weigh-in at his medical office, I vainly empty my pockets of all extraneous possession. I deposit loose change, keys, pencils and pens, even dental floss on the table before stepping upon the weigh-in scale. Still, each succeeding annual checkup records yet another pound or two of additional girth. Then the inspection begins, first the easy stuff—ears, tongue, nose and throat, working up to the pokes and prodding in the belly and groin. The tour then explores those naked tender spots that I myself have never seen with my own naked eyes, those remote regions requiring my physician to navigate with finger probes, accompanied by comments, “Ah, I see!” But I cannot see any of it.

Last week, this primary care physician and I entered into a lively debate about arthritis pain medications and their accompanying side-effects. Prepared in advance for this discussion, I unabashedly displayed the sophomoric research I had gleaned from the Internet. He was not impressed. “So you want to suffer on a daily basis in the remote off-chance that this medication could shorten your life?”

“Well, yes, I don’t want to die unnecessarily,” I responded, rock-solid sure of my YouTube research footing.

“I have a different take on that,” he suggested. “We don’t have yesterday. We are not promised tomorrow. All we have is today. And I believe in living it, today, the best that we can. Make full use of today. Take the damned medicine.”

“Oh, and one other thing,” he continued. “You know, we’re all going to die sometime. Something or another will get all of us, right?”

Once I got home and the embarrassed flush had cleared my cheeks, my brain engaged enough to recall a passage from the book of Hebrews. Yes, that Hebrews. “By His death, He could break the power of him who holds the power of death…and free those who all their lives were held in slavery by their fear of death.”

Welcome to my 70-year decade. Should be a fun ride.

Aspiration: The Loudest Message

It’s hard to miss the message that is being sent.

From the leather crown on the head to the toe of the boot, that dude is a cowboy.

Did he actually play a guitar while riding the range? That’s hard to imagine. Probably not.

At least until Gene Autry, the singingest, stummingest cowboy, came along. After that, hats, boots and guitars defined our thinking about cowboys.

Hat and boots and guitar = cool, singing cowboy.

So what’s that called? The thing we are (the hat and boots), plus the thing that we want to become (guitar-stumming coolness) ?

It’s aspiration. Aspiration is the thing we want to become–the thing we most want to be known for, our greatest achievement.

Our aspirations can be our loudest message.

As in: She wants to be a millionaire by the time she is 35.

As in: He is fighting his way to the White House.

As in: She is the most generous person I know.

As in: He is the best friend a person could ever have.

The Color of a Thing

For Tootsies Honkey Tonk in Nashville, it’s all about the color purple. It defines the place.

For a dog, it’s all about his nose. Think dog: think nose.

For a person into superstition, it’s all about 13. No thirteenth floor, thank you.

For the homeless, it’s all about a safe place, a safe, impenetrable space.

For a shepherd, it’s about the sheep. 98…99… Oops. One’s missing.

For the hopeful, it’s hanging on to possibilities.

For each of us, we are known by the thing that drives us. If we’re not sure what that is, just ask your friend or neighbor. They will probably know.

Support

I don’t know if the phrase “a life well-lived” is in your vocabulary yet, but I suspect at some point that thought enters us all. A young tabebuia tree stands at the edge of our patio. Without yet possessing a strong trunk, she relies upon the two poles beside her to support her until she gets stronger. The two poles are the trunks of two other once-living trees, now being used to train and bear up a new generation of trees. Perhaps, like these trees, our well-lived lives will strengthen others who will follow.

No Garbage In; No Garbage Out

During dinner overlooking San Diego Bay, it was impossible to know what thoughts Dad filtered through his ninety-nine years of life experience. He reminded me that the old computer axiom “garbage in—garbage out” need not apply.

With each passing year, bitterness need not take root. Instead, by choice, life can grow sweeter.