Jul 18 / Jassen

Achieving Life Dreams


In life coaching, they talk about clearly defining your dream and transforming that dream into smaller goals to help achieve the dream. In the business world, there is a lot of talk about goal setting and taking massive action to accomplish those goals. In some circles, you’ll hear or read about ladder jumping, creating your own hierarchy, in order to achieve what you want to achieve.

I have long separated my world of “dreams” from that of “goals”. For me, “goals” have always been specifically related to business, as they need to be measurable in order to be achievable. On the flip side, I’ve long looked at “dreams” as something very hard to measure. I, like a lot of people I’ll bet, view dreams as almost unattainable.

Let’s take a quick look at very related, yet very different, versions of a goal and a dream. Somebody may set the goal of writing a novel, and another person may have a dream of making their living as a professional novelist. These are two vastly different things we’re talking about here. Anybody can write a novel. Yes, even you. Hundreds of thousands of people around the world do it every November, as part of the National Novel Writing Month (NaNoWriMo) project. Write 1,667 words per day for the entire month of November, and bam…you have a 50,000 word piece, the minimum length considered adequate to be called a novel. Quality? Who cares! Just write! That’s the theme of NaNoWriMo. And it’s really not that hard. I’ve participated three times – finished my first year, almost finished the second year, and got way sidetracked last year.

The dream of being a professional novelist, on the other hand, requires a LOT more work, diligence, effort, and planning. 99.9% of NaNoWriMo novels produced straight up suck, and everybody knows it. A novel for mass publication can’t suck…Quality matters. On top of that, there is the whole matter of getting it published, marketing it, getting good reviews, etc. Then, once you’ve done this, you have to do it again. And then again, then again. That’s what is involved with becoming a professional novelist. I couldn’t find accurate statistics online for purposes of this article, but I’m willing to bet that the odds of making a living as a novelist are worse than making a living as a professional athlete.

Does that mean that dreams can’t be reached? Absolutely not. But how can this be? Because people achieve their dreams every single day! We are awash with stories on a daily basis of individuals that strived for only one thing their entire lives, and achieved it. To be completely honest, such stories are commonplace. Some people do it early in life and make it look easy, some do it after decades of struggle.

There’s a girl I figure skate with that illustrates this quite well. She recently told me that being a model is her dream in life. I think she’s 15 or 16 years old, and she’s already had some modeling work, and it wouldn’t surprise me one bit if she already has an agency or manager. I also wouldn’t be the least bit surprised to see her in some national marketing campaign for an apparel line or a clothing store sometime in the next few years. Although her life’s work so far, as it may be, has more to do with figure skating than anything else (she’s pretty good at that, too), her dream, her drive, and her path has to do with modeling.

Contrast that with a contestant on “America’s Next Top Model”. That show is an occasional guilty pleasure. I love the little challenges they make the girls go through, even though most of them are kind of dumb. Most of the girls on the show are dreamers. Most of them are on very different paths in life other than modeling. Keep in mind that the ones you see on the show are the ones that made it through — there are thousands of other dreamers that didn’t make the cut.

I do recall ONE girl a few years ago on the show that was a career-minded professional, mid-20′s I think, that had no interest in modeling, and her friends dragged her to the tryout for the show, and she ended up either winning or runner-up, I can’t remember exactly. THAT is a different scenario altogether, like a bonus in life, and I remember some of the other girls being pissed off because she won and it wasn’t her dream.

A note on ascending a ladder versus creating your own. The contestants on that and similar reality shows are climbing a ladder created by a specific group of people. Every dreamer that tries out for that show and fails goes home still dreaming. Skater girl, on the other hand, is a dreamer with an important addition: Action. She has her professional shots, she has her portfolio, she makes the contacts she needs to make, and whatever else goes on in that world (I really have no idea what’s involved). But, the difference is, she’s doing something about achieving her dream, not just dreaming about her dream.

When I was a kid, I had a few different things that I thought were my dreams. The most predominant was that I wanted to be an astronaut, and I didn’t grow out of that as I went through high school. I joined the Navy, eventually entered an officer program, passed the written aviation screening exam, and was all ready to make the transition from Navy nuke to Navy aviator, and that’s pretty much as far as it went. Back to the enlisted ranks I went, and it wasn’t until a few years later, as I was getting out of the Navy, that I came back around to it and started taking private flight lessons and bought an airplane. That airplane did a lot more sitting than flying during the couple years I owned it. I have made starts and stops in the aviation world ever since, even to this day as I occasionally pick up the book to study for a glider rating.

So, did I really want to be an astronaut? Did I really want to be a marine biologist? Did I want to be a career military officer? It is an extremely long story about how I came to the realization of what my real dream is, but there are two points on it I want to get out:

1. Defining your true dream in life is a process, not an event.
2. Even once you think you have it defined, your dreams in life can change, just like everything else.

It turns out for myself that my dream has absolutely nothing to do with being anything or achieving anything. It turns out that my dream in life has more to do with being part of something tangible, and in doing a bunch of cool things I just sort of feel like doing. More than anything, my dream is a lifestyle, one that is filled with near constant change in my surroundings and experiences. I don’t really want to be an astronaut — I just want to work in space for a few months. Even if I never achieve that, I’d probably be just as happy paying the $250k for a ride on Virgin Galactic’s suborbital tourist shots.

Sometimes I get depressed and feel like I haven’t achieved anything in my life. But when I really examine it, I’ve done a LOT of cool stuff in my life that most people only dream about (there’s that word again!). I’ve jumped out of perfectly good airplanes (10 times), lost 40 pounds (and still going!), been a race car driver (SCCA Solo II in a 1988 Pontiac Fiero GT), done all the ice sports (curling, hockey, speed skating, figure skating) just to be able to say I did, climbed 14ers, served my country, been a competitive shooter, hit a 1500 yard shot, dated a model, been a competitive swing dancer, driven a HMMWV (a real one), been through a hurricane, been on the open ocean, worked on nuclear power plants, been to graduate school, trained at the Olympic Training Center, rubbed elbows with Olympians, and a boat load more. I change hobbies often, and even with my current 2 year dedication to figure skating, my interests have gone from singles freestyle to ice dance to synchronized (team) skating, and I will not stop until I have competed internationally as an ice dancer (there is an annual adult-only event in Germany that serves as a de facto “adult worlds” of sorts).

From this, it should be obvious that my dream in life is to accumulate experiences, including bad ones (like being in a drive-by shooting, crashing a motorcycle, and a few I can’t mention here). I like being able to walk away and say, “Whoo! That was AWESOME!” Actually, I guess that’s my dream in life: Accumulating a lifetime of awesome moments.

What about you? What is your dream? Can you define it in one sentence? Have you mapped out an action plan for achieving your dream?

Whether your dream is to retire as young as possible and travel the USA in an RV, or analyze soil samples on the surface of Mars, there *is* a path for achieving your dream. But nobody is going to get you there except you, and nobody is going to give you a roadmap. Particularly in this culture in which we live, in which mediocrity is accepted as the norm, the achievers that can step up and run (or even plod) towards their dreams are fairly likely to achieve them, given enough motivation and action.

So, find your dream, then get off your ass and do it! :)

Until next time,

Jassen Bowman


Jul 15 / Jassen

Florida Tax Amnesty Program


Are you a Florida resident or business owner?

Do you owe the state any sort of back taxes, other than unemployment taxes?

Then the state has an offer for you! Florida is joining an ever growing list of states that have recently offered tax amnesty programs. More and more state legislatures are trying to increase delinquent tax collections to fill the state coffers in these hard economic times by offering “deals” to everybody on their tax debts.

Here’s how Florida’s program will work. The state will waive ALL penalties on your tax liability that was assessed prior to July 1 of this year. In addition, the state will waive 1/4 of the interest charges. If you have not made the state aware of a tax liability that you know is there, they will waive 1/2 the pro-rated interest charges.

In order to participate, you have to be free of criminal prosecution and/or investigation for violation of state tax laws, and you can’t already be on a payment plan. The program ends on September 30th, so if you think you qualify, apply ASAP.

For more information, visit the Florida Tax Amnesty Program web site.


Jul 13 / Jassen

Options for Low Income, Low Tax Debt Situations


A friend of a friend was recently referred to me for some help with a tax problem. This individual isn’t rich, works a regular job for a paycheck, and simply got behind on personal income taxes. The situation is compounded by the possibility of some errors on the originally filed tax returns, which I have yet to examine to make that determination one way or the other.

This is NOT an uncommon situation these days. Regular, working class folks that owe a few thousand this year that they can’t pay, and the same thing the next year, etc. Do this for 3 or 4 years, and suddenly you owe the IRS $10k, $15k, $20k…with penalties and interest growing it daily. So, what to do?

First and foremost, I have a rule. It kind of stems from my rule regarding work from home opportunities (“Never pay a fee to get a job”), and it goes like this: Don’t get screwed by a tax resolution firm promising you the world when you can easily fix the problem yourself.

Yes, the IRS carries a big stick. But they’re not going to hit you upside the head with it if you take care of the situation.

First of all, if you believe you’ve made mistakes on your tax returns that caused the liability, then you should have the tax returns amended. You have three years from the date a return was filed in order to correct it, so if you’re in that time window and you think you would owe less if they were fixed, start there.

Second, if your tax liability is under $25,000 and it’s personal income tax, then there is a special program available called a Streamline Installment Agreement that you should look at. Under this program, the IRS will let you enter up to a 5 year payment plan (or less, if you can shoulder the monthly payment), in order to pay this off. Warning: Penalties and interest still accrue while you’re on a payment plan!

If the tax debt is getting old, say older than 6 years, then another option might be to get you into a non-collectible status and just ride it out until the statute of limitations expires (which is 10 years). For this, you have to be able to demonstrate that, in a nutshell, you are flat broke and scrape by paycheck-to-paycheck. If you suddenly win the lottery, the IRS will see that and come knocking on your door again, of course.

The final option to consider, if you *are* broke and really just want the monkey off your back, is an Offer in Compromise. Despite the commercials you may see on TV, the Offer program is not a straight up “pennies on the dollar” deal, but you must rather demonstrate financial necessity. If you’re single with no kids, have a car payment, and don’t own anything of value (art, a house, coins, gold, guns, stocks, bonds, retirement accounts, classic cars, an island, etc.), and you make less than about $3000 to $4000 per month (it depends on what part of the country you live in), then you might be a candidate for making an Offer in Compromise of some nominal amount (it has to be at least $1). This route requires extensive personal financial disclosure and takes about 6 months from start to finish, most of which is simply waiting on the IRS to process the application. If you have kids or a spouse, the amount you can make and still qualify goes up. If you don’t have a car payment, the amount you can make and still qualify goes down.

Elsewhere on this blog, I cover the OIC program and Streamline Installment Agreements in further detail. Also look for the Guaranteed Installment Agreement post if you owe less than $10,000 — those are easy as pie and can be done over the phone using an automated voice response system.

If you qualify for a Guaranteed or Streamline Installment Agreement, you can easily do it yourself over the phone. Getting into Status 53 (Currently Not Collectible) is almost as easy, and takes less than an hour on the phone with the IRS. An Offer in Compromise is obviously a bit more complicated, and while plenty of people do these themselves, many choose to hire representation to help them out on this (but you still need to be weary of getting screwed on fees and doing business with a reputable firm).

If you have any questions about your individual situation, I welcome your phone call. All initial consultations are absolutely free of charge. My direct number is (970) 930-1040, or toll-free at 866-627-7654.

Make it a great day!

~Jassen Bowman


Jul 13 / Jassen

A Brief Introduction to Nuclear Power


Regardless of your personal feelings about nuclear power, it is a dominant means of electrical power generation in the industrialized world. With the growing public and political pressure against the burning of fossil fuels, and with alternative energy sources such as wind and solar only being capable of generating power during daylight or when the wind blows, nuclear energy is experiencing a resurgence as an alternative to fossil fuel plants as a means of producing more of our baseline energy needs.

As such, I think it’s important for people to understand some basic science and engineering principles behind nuclear power, as knowledge is the most powerful thing in the world. It’s been a long time since I’ve written much about nuclear power, but the time has definitely come to revisit the topic.

Let’s start with the most basic question: Big picture, how does a nuclear power plant generate electricity?

The tongue-in-cheek answer that is thrown around by people in the industry is this: “Hot rock make steam make turbine go roundy-roundy.”

Let’s break that down into a little bit more detail.

You’re probably aware that friction between two things creates heat, like when your brakes get hot because two surfaces are rubbing together. For the brakes on your car, there is an energy conversion process going on. The energy of the motion of your car (kinetic energy) is being turned into heat energy via friction. So, your car stops, but your brakes get hot (and wear away part of your brake pads every time you stop).

Something similar happens inside a nuclear reactor. Every atom in a reactor core that fissions breaks up into chunks, and each of these chunks is sent flying for a very short distance by the little fission blast. These chunks are slowed down by interaction with other matter in the reactor, and that interaction converts the motion energy of the chunk into heat. Since there are a LOT of these tiny interactions going on, it creates a lot of heat overall. Therefore, we have our hot rock.

What happens when you throw water onto a hot rock, like in a sauna? Most of it flashes to steam. If you contain that steam within an enclosed container, it will build pressure. Something similar happens in a nuclear power plant: Our hot rock is cooled by passing another substance over it (usually water, but other things work, too, but that’s beyond the scope of this post). When that water heats up inside it’s container, it builds pressure. Actually, a LOT of pressure.

If you’ve ever seen a windmill operate, then this next part will make obvious sense. Just as a windmill’s blades turn when wind runs through it, the blades of a turbine are constructed so that when high pressure steam is passed over them, it forces the turbine to turn. Since we’re talking about really high steam pressure, we’re also talking about spinning our turbine really fast.

The other end of that turbine shaft is what’s connected to the electric generator. The speed of the generator has to be regulated in order to maintain the proper output voltage and frequency for transmission to your home, which is done via steam regulators and controlling the rate of the nuclear reaction to produce no more steam than is really necessary.

It should be noted that many of the components of a nuclear power plant are almost identical to any other power plant. Almost all power plants rely on a steam cycle system (often referred to as the “secondary system”), and the steam system components could literally be moved from one plant to another, hooked up, and be up in running. What makes each plant unique is what makes the steam. You can boil water with many heat sources: burning coal, burning natural gas, burning oil, burning methane from biofuels, etc. A nuclear reactor is just another means of creating heat to boil water, but with no greenhouse emissions (yes, there are obviously other issues — we’ll get into those in future posts).

I hope this was useful to somebody out there on the Interwebs. I’ll add to this series over time, delving into different aspects of the primary plant, including everybody’s favorite issue, that of radioactive waste. For the really geeky, I’ll get into reactor physics, stuff like neutron capture cross sections, the neutron lifecycle, fission fragment ratios, reactor poisons, and one of my favorite subjects – reactor startup delays due to decay product buildup (I always thought it kind of funny that operating our reactors created something that prevented us from starting our reactors once we shut them down…yeah, I’m a nerd).

Until my next post, be great, be happy!

~Jassen Bowman


May 26 / Jassen

Changes to IJS


Just a few of the many things changing in the IJS…….

1. Spin position variations can no longer be repeated for level credit. Do a hair cutter in your layback, and you can’t repeat it in your combination spin.

2. Goodbye original dance in ice dancing.

3. ….and more, this is really a test post.