Hi, my name is Dan Peterson and I am the owner and author of Free-Online-Calculator-Use.com.
Welcome to my website and thank you for taking the time to find out a little more about me.
I was born, raised, and currently reside in Bemidji, Minnesota -- where summers are often described as, "three months of bad snowmobiling."
It's a great place to raise a family and has a low cost of living, but living-wage jobs are scarce and the winters are long and bitter cold.
Not the ideal place for a couple who loves to play golf, but we could never imagine moving away from all of our family and friends.
That's why it's important that we continue to live debt-free and below our means so we can afford to get away for our annual 10-day winter golfing (and romance rekindling) trip to Cozumel, Mexico. We consider the trip to be paid for by the interest charges we no longer pay to lending institutions.
|Javelina on Cozumel golf course||Sunset from Playa Azul Hotel|
One of our other favorite winter activities is watching our two youngest sons play ice hockey (the older 5 children are all grown up and living on their own). With each of our hockey players being on different teams, and each practicing 3-4 times a week and playing a 40-game schedule, needless to say there's not much time to miss playing golf in the winter.
|Jake, Age 17 (white jersey)||Taylor, Age 16 (white jersey)|
I also enjoy cheering for the Minnesota Vikings, the Minnesota Wild, and Tiger Woods, though none have given me much to cheer about in the last couple years.
During the summer we try to get out to the golf course as often as we can in between work and our kids' baseball and soccer games. Thankfully I built the website and run the golf league for a local golf club in exchange for an annual family membership, so our favorite hobby is far from being cost-prohibitive.
I even built and maintain a 30-yard by 200-yard golf practice range right next to the house -- complete with a tee box and a raised target green. This is where I spend my lunch breaks in the summer.
|Two-tier tee box with uneven lie station||Raised target green|
In the fall I enjoy deer hunting with our boys, as well as the annual process of building a backyard hockey rink for them to skate on.
|Our favorite way to shop for meat||Our backyard skating rink|
I'm also on a mission to try to convince others to not make the same mistake I made during the first half of my working life. What was the mistake?
In my own defense, I did exactly as I'd been taught. The mistake was never questioning what I was being taught.
When I was just 10 years old (1969) my mother bought me an 8" x 8", gray, spiral notebook for the purpose of keeping track of the money I was earning from my newspaper route.
Opening to the first page, she used a straight-edge to create 5 columns. Then, from left to right she labeled the columns: Date, Description, In, Out, and Balance.
Mom then explained how to use the columns to keep track of how much money I made and where I spent it. I can vividly remember thinking, "Wow! What a cool and fun activity!"
And for the 23 years that followed I enjoyed tracking my income and expenses more than I did generating them.
You see, upon leaving high school I, like many others, chose to put money and income ahead of passion and creative self-expression. So instead of pursuing my passion of working with numbers, I pursued income.
Believing more money was the key to more happiness, I took every job or business opportunity that came along if it promised to pay me more than my current job or business -- without giving a second thought to whether or not it was suited to who I am. These included:
And of course, like most everyone else, I subsidized my never-enough income level by borrowing as much money as lenders would allow.
As a result, at age 30 I found myself trapped by financial obligations in a restaurant business I hated. I was working 80-hours a week in what I had thought was the business of keeping books and creating delicious meals, but instead turned out to be the business of hiring, training, and firing.
Three years later, after 5-years of 80-hour weeks, trying to at least build up equity I could later cash in, an Indian Gaming Casino -- complete with a loss-leader restaurant -- opened its doors just down the road. My restaurant business didn't stand a chance.
So there I was, 33-years-old, having spent 15-years chasing after wealth, and all I had to show for it was no income and a mountain of debt.
But the emotional losses from the restaurant failure paled in comparison to what happened in July of that year (1993). I held the hand of my beloved, 55-year-young mother as she lost her battle with ovarian cancer.
Kneeling next to Mom's bed, with tears clouding my vision of her face, holding her lifeless hand, it finally became painfully clear to me what was really important in life.
It wasn't money. It wasn't status. It wasn't expensive homes, cars, clothing, furniture or vacations. It's the people that love and appreciate us for who we are, not for what we have or what we are poised to gain.
And now the most important person in the world to me, the person who had spent years trying to get me to take time off from my money-quest to spend more time with her, was gone forever.
Turns out the map I had been duped into following had led me away from happiness, not towards it.
Following my beloved Mother's death, I spent several months searching for answers as to how I ended up broke and unhappy -- in spite of having read a library full of books written by business and personal finance experts.
Thankfully, my search for answers led me to the discovery of a book that would forever change my life.
Suffice it to say, reading that book blew both lenses out of my rose colored glasses. It was like anti-virus software for the mind.
After reading, studying, and absorbing the 9 steps in Your Money or Your Life, I spent several weeks creating what I've come to call, the Blueprint for My Perfect Day -- which basically included a daily schedule of what I refer to as Labors of Love (either labors I enjoy that cause others to love, appreciate, or admire me, or labors I engage in simply because I love the benefactor).
Once I completed the Blueprint for My Perfect Day, I set out to make it my day-to-day reality.
What followed was a 4-year, hard-fought journey to debt freedom and a work that I love -- a work that I could schedule around the most important people and events in my life.
Of course, the work I discovered that I love doing is creating online calculators. So in 1997 I built www.webwinder.com to promote my calculator scripting services.
I started out basically giving away my work for free, and then -- as demand for my ready-made and custom calculators grew -- I began to charge a fee. The higher the demand rose, the higher the fee I needed to charge in order to avoid having more clients than I could handle.
Eventually I found myself earning a very nice living working from home -- free to schedule my work around all of the important people and events in my life. And for at least the first couple of years, I couldn't have been happier.
However, something began to happen that I never expected ...
I can remember thinking, "What the heck happened?! I used to love creating online calculators, so what has changed?"
After questioning the loss of passion for my work for some time, I eventually realized that four distinct things had changed. I now call them the 4 steps to falling out of love with a work you once loved.
Step #1: Give up creative self-expression. I was now creating more and more calculators based on customers' specifications instead of based on how I would have liked to create them.
Comparatively speaking, this is like asking an artist to paint by the numbers.
Step #2: Work with people who can't make up their minds. In the case of a large majority of the custom calculator projects I took on, the customer would keep changing their mind as to how they wanted the calculator to look and operate. This often turned simple projects into long, drawn-out nightmares.
In fact, I began to better understand what an acquaintance of mine had told me a couple of years earlier. He told me that he had once enjoyed building houses but eventually lost interest due to customers constantly changing their minds about what they "wanted" -- while the home was being built. It was driving him nuts!
Then one day he decided he wasn't going to let indecisive people rob him of what he loved doing. So what did he do? He started building houses based on how he liked to build them, and then sold them as completed homes. Not only did he regain the passion he had lost, but he was making twice the money due to never having to make changes to original plans.
Step #3: Cause others to expect too much from you. Since I was charging a higher and higher fee, it became increasingly difficult to exceed the expectations of my customers -- an ever increasing source of stress.
Step #4: Work for a cause you don't believe in. I found myself creating online calculators that went against everything I believed in.
Having experienced first-hand the financial and emotional devastation that can come from chasing after money and living beyond my means, creating calculators that promoted borrowing as a means to "easily" get what you want began to wear heavily on my conscience.
Add all of these changes up, and it's no wonder why I started to lose interest in creating online calculators.
Thankfully instead of trying to make a career change I began to look for a way that I could continue to earn a living from creating online calculators -- while solving for the four issues that had squelched my passion for it.
In April of 2010, while looking for a way to get back to the work I had once loved, I happened upon the term, "infopreneur."
As it applies to the web, an infopreneur is someone who builds a content-rich website based on a profitable niche for which they are knowledgeable and/or passionate about, and then sells ad-space to advertisers who are interested in targeting that niche.
The more I thought about the concept, the more I realized that becoming an infopreneur would solve for the 4 issues that had caused me to lose my passion for creating online calculators.
So, after 4-months of studying the art and science of infopreneurship, I launched the home page of free-online-calculator-use.com. That was 43 months ago (as of the last update of this page), and I couldn't be happier with the results, because ...
I am now living the life I designed in the Blueprint for My Perfect Day, and it's everything I ever imagined it would be, and then some!
If you are looking forward to retirement instead of looking forward to each and every day of your life, I strongly encourage you to embark on your own journey to finding a work that you love.
Contrary to what you've been taught, you don't need a job, you just need an income. And the more you become an investor of your time/money instead of just being a spender of your time/money, the less income your work will need to generate to achieve the financial freedom to do what you love.
No matter how unlikely it may seem, there are a host of ways for you to earn an income from a work you love. You just have to force yourself to take your blinders off so you can see what's been right beside you all along.
To help you to begin your journey to a earning a living from a work you love, I highly recommend Dan Miller's book, 48 Days to the Work You love.
It pains me to see so many people going through life hating their work and dreaming of the day they can retire from it -- thinking that's just how life is.
Take it from someone who knows the joy of earning a living from a work I love, nothing could be further from the truth.
Best wishes for your financial happiness!
P.S. If you would like to be informed anytime I add or upgrade an online calculator, please follow me on Facebook: Free-Online-Calculator-Use, and if you'd like to read my periodic, thought-provoking tweets, I invite you to follow me on twitter: @FreeWebCalcUse.
P.P.S. If you enjoy writing and have a subject you are passionate about, you already have 50% of what you need to succeed as an infoprenuer. The other 50% comes from finding a website host that provides you with all of the tools, knowledge, and step-by-step instructions you need to create a content-rich, keyword-focused, traffic-generating website. I highly recommend Site Build It! (SBI). Thanks to the tools and knowledge I gained from SBI, the traffic to free-online-calculator-use.com achieved the ranking of top .5% of all websites in the world -- after only 20-months!
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