Debt free at last – now what do I do

The one downside to my recent move and career change was that I put myself in a hole financially. Part of this was due to switching jobs and having no income for almost 2 months, part was the expense of moving, establishing myself in a new area, and furnishing a 3 bedroom house, part of this was due to my having rewarded myself for my new position with a relatively expensive HDTV, and part was due to my less careful control over my spending. I’m making more, after all, and a little ….excess seemed in order.

Still, I plugged away at the debt. When I first moved in March, I gave myself 6 months to clear it off my credit card. It took me 8 months instead, which all things considered is not too bad. Now the question enters: after Christmas (which for the first time in my adult life will not put me in a serious financial hole: my family agreed to move to a secret santa model), how should I best spend my monthly budget surplus? I could continue with ridiculous excess: buying an xbox 360, a PS3, a Nintendo Wii, a Velomobile or at least a recumbent bicycle, additional home theater equipment upgrades, and more broadly expensive consumer electronics and gadgets, of which I’m inordinately fond. I could start saving aggressively, with an eye towards buying a house or at least recharging a savings account that’s sadly depleted after several years of career changes. I could try to quickly pay off my car loan, which right now sits at about $8.5k and is just a little higher than the overall debt I incurred in the move to MA, meaning with a little discipline and a nice tax return I could have it paid off by next fall. Or, the most likely scenario, I could find a balance of the above.

We’ll see how this plays. I’ll be making the first decisions in January. I’m tempted to flat out focus on paying off the car, but some reading of financial advice columns has left me with this sense that conventional wisdom says ‘debt is not bad, especially when it’s low interest,’ which my car loan is, and that I might be better off simply dumping money into savings where it will draw a higher interest rate. I have to balance that against the fact that there is some sentiment that the dollar is about to collapse (after the housing market does) which could leave me with a pile of savings worth nothing, in turn leading me to wonder if I should focus on tangible assets like, for example, my toys 🙂

Solved: Dragon Quest Heroes: Rocket Slime

I beat the Nintendo DS game Dragon Quest Heroes: Rocket Slime over the short vacation I took surrounding Thanksgiving this year. It’s a charming, slightly flawed but very fun little action adventure game. Think ‘simple portable zelda,’ and you have some notion of what the gameplay is all about. It has a couple of novel elements – your character is the equivalent of a rubber band in terms of mechanics, so you spend a good bit of the game bounding about the levels spranging into and off of things, which is more fun than it sounds. It also features ridiculously silly giant tank battle sequences which pit you and your crew against an enemy crew. You can spend your time loading the tanks guns, defending against enemy assaults on your tank, or you can try and infiltrate the enemy tank and take the battle to them, sprangy rubber band style.

The game’s intended for kids but is still great fun. It has a few flaws – it’s way to easy, it’s on the short side, it’s easy to exploit the enemy ai during the tank battles, and the general ease of play means you don’t have to interact with some of the gameplay systems, like collecting items and formulas that allow you to develop better ammunition for your tank. Despite all this, it’s still a great little game and I’d recommend it to anyone who likes the zelda action adventure school of gaming and can tolerate the kiddie aesthetic.

Why I wanted the democrats back in power

It’s all right here folks – legislation from Christopher Dodd that seeks to overturn some of the most egregious excesses of the Bush administration’s ‘we don’t need no steenking Geneva convention!’ take on how to conduct anti-terrorist policy. Cross your fingers that this passes and that it is just the tip of the iceberg in terms of new legislation.

The definitive zombie games list

I’ve posted occasionally about many things zombie. In honor of Halloween, I’ll link to a great post covering a ton of different zombie games that first appears in mid-august on metafilter. In case you haven’t seen it, and like me you have an interest in zombie games, check out the list and discussion thread on metafilter, then get busy with some zombie bashing action.

Note that many of these are flash or otherwise browser-based and thus available to any platform that can run flash and a recent vintage browser with competent JS support. Many are also PC specific, but the central point is that one should be able to find a zombie game that both appeals and that can run on your machine from this extensive list.

Cross platform zombie blasting goodness

In the spirit of the season, I offer up another zombie link – this one to the free, open source Win32/OSX zombie blasting action game ‘Zombies.’ It’s not going to win any awards, but it’s a reasonably fun turn based zombie game – think Daleks for those of you who’ve been gaming for a while, only with hordes of zombies, priests, shotgun wielding badasses, and lots of brain munching.

Interesting little factoid – radio is doomed

I was asked to serve on the advisory board of the college radio station at work. We had our first meeting this past week and an interesting little tidbit came out that once I heard it made perfect sense, but which had never occurred to me. The current generation of students simply don’t use the radio – even if they own one as part of their stereo system they never use it. They don’t even use clock radios anymore. Why? Because almost all of them have ipods and use their computer as their primary source of music. This came out because it’s represented a challenge for the radio station (internet streaming is where it’s at), but I had one of those little light bulb over the head moments when the station director was talking about it.

This will lead to me helping them some with getting going with a platform that will enable podcasting (they’re already streaming), but the whole thing was pretty interesting to me.

So you want to be a hero…

…if so, check out Marvel Ultimate Alliance. MUA is a fantastic old school beat em up with a dash of diablo rpg-lite mechanics. It’s available on pretty much every platform under the sun, but to my great surprise the PC port is really well done and so I picked it up for PC. Make no mistake, this is a mindless button mashing slugfest, but it’s got all those comic book heroes you grew up with to play with, it has reasonably good graphics and a very solid combat engine. This is the third Superhero game by Raven Software, the old FPS engine masters, and the third time is definitely the charm. I own both of the previous X-Men-focused games and they’ve gotten successively better. The notable improvements this time around include no more healing potions, a much broader selection of heroes to play with, better networking play, less complicated level up systems, and an actual playable PC port. It’s also on sale this week at Best Buy for PC – anyone want to team up to take down Dr. Doom?

Stay far away from Dark Messiah

I did something uncharacteristic and pre-ordered Ubisoft’s new Might and Magic game, Dark Messiah, after playing the demo. The demo ran fine on my system, I love this style of game, and I was looking forward to it. Its retail release is a pile of steaming crap, however, and this post is a warning to anyone considering buying it – don’t. Wait until they patch it such that it works as it was intended. Right now it appears it’s a crap shoot in terms of whether the game will run on your system, and I’m one of the folks who simply cannot get it to run without crashing after the start of the first level. In the last 3 days, I’ve:

* Reinstalled directx9.0c, october edition (and thanks so very much for abandoning version numbers for Directx, Microsoft. You suck)
* Reinstalled the video drivers for my video card. Anyone who’s been through this with an ATI card knows what a time consuming pain in the ass that is.
* Reinstalled the MS audio framework and audio drivers for my sound card.
* used Valve’s Steam interface to rebuild my installed game files, repeatedly.
* Tinkered endlessly with the video and audio settings inside the game in an effort to get it running. I do not exaggerate, I have launched the game at least 20-30 times.
* Tried every tweak and setting suggestion found in Valve and in Ubisoft’s forums.

Despite all this, at the conclusion of the in-game cinematic at the beginning of chapter 1, the game locks up, most of the time locking up my entire system, something which very rarely happens. Ubisoft and the developers should be ashamed of themselves for releasing a game in such a buggy state. I know this isn’t true but it feels at this point like I’ve done more testing on their damned game than they have. I’m also not alone with this problem – not everyone is having it, but a significant number of players are, as well as a host of additional issues.

I’ve asked Valve for a refund since I bought it on Steam and since from my perspective it reflects badly on Steam. I doubt I’ll get it though since their terms of service are that no refunds will be granted. This in itself seems unfair to me. If I bought it at retail, I understand why I can’t return it because once I’ve installed it on my computer the retailer has no idea whether I’ve removed it before returning the game. Valve absolutely knows because of how Steam works, and they should grant refunds for helplessly buggy games like this.

The greatest shame is that the game shows promise. The in-game cinematic that happens right before the crash is excellent. I can’t think of the last time I’ve had such a promising tease from a game I can’t actually play. I’m pissed.

Anyway you’ve been warned – stay away until Ubisoft addresses this with substantive patches.