Notes from Numerology

Karmic Debt Number (based on problematic underlying numbers found within your life path number calculation; problematic numbers are 13, 14, 16, 19 or repeating 4, 5, 7)

Karmic Debt number 13

Those with the 13 Karmic Debt may experience much frustration, and will have to work very hard to accomplish any task. Think of it as a consequence of a previous lifetime dominated by laziness, taking advantage of others and similar bad choices.

Obstacles arise for those with a 13 Karmic Debt and must be overcome time and time again. One may often feel burdened and frustrated by the futility of their efforts — there may be a desire to surrender to the difficulties and simply give up on the goal. But success is well within reach; one simply must work hard and persevere in order to reach the goal. Many highly successful people in all walks of life, including business, art and athletics, have a 13 Karmic Debt.

The key to succeeding with the 13 is focus. A temptation with the 13 is to take shortcuts, but too often, that easy success doesn’t come, causing regret and the desire to give up. The result is a poor self-image and the belief that one is incapable of amounting to very much. Order is essential to success with the 13 Karmic Debt. You must maintain a schedule, follow through, keep your environment neat and under control and never procrastinate.

Karmic Debt number 19

Those with the 19 Karmic Debt must learn independence and the proper use of power. You will be forced to stand up for yourself, and often be left standing alone. Difficulties will be faced and overcome through personal struggle.

One of the central lessons for people with the 19 Karmic Debt is that you stubbornly resist help. Much of your independence is actually self-imposed — you simply don’t want to listen to others, or to accept the help or advice of others. The 19 Karmic Debt can become a self-imposed prison if you do not open up to the reality of interdependence and the mutual need for love.

The most important lesson for the 19 Karmic Debt is: while you seek to stand on your own feet, you are still a human being, deeply connected with others and in need of the support, assistance and human understanding that all people need. Sometimes you just need to reach for it.

Challenge Number (based on life path numbers and some additional calculation; you have 4 numbers which indicate different periods of your life)

Challenge Number 2 : Hyper-sensitivity to other people’s criticisms can prove to be an obstacle. Paranoia and suspicion will keep you from allowing yourself to be vulnerable. You will view yourself in a critical or self-deprecating way and your inhibitions will show in every area of your life, especially in terms of love and relationships. Trusting will be a major challenge for you during this period, but it will be learned and tested over time, beginning with yourself.

You are likely to have trouble wrangling your emotions. You will hold onto anger and grudges for periods of time that are disproportionate to perceived offenses and your own inability to forgive or accept forgiveness could have a paralyzing effect on your emotions. You have a keen sense of awareness and excellent intuition but you don’t know how to use them productively. Instead, you choose to fear them and sink further into yourself. On a positive note, that hyper-sensitity will also make you empathetic and compassionate. You will be able to feel others’ pain because you relate to it so well.

Expression Number (based on all letters of full name)

Number 11: You have the most magnetism of any number out there. You possess all the best qualities of all the other numbers, even to the point of expressing certain psychic or supernatural tendencies. You can tune in to those Universal forces that channel energy into the areas of your life (or even the lives of others) where it is needed most. If you haven’t done so already, you should be looking both for ways to let this energy loose as well as ways to ground it.

Your sense of things temporal and your sense of things metaphysical often find themselves at odds with each-other. Learn how to balance these parts of yourself from the inside out. Control, centeredness, focus, tranquility – all these things will be important for you to learn and achieve. Once you do, you will be able to call up any part of your nature that you need in the moment as well as subdue those parts that may inhibit you from reaching a goal or completing a task.

Number 11/33: The 33 is the “Master Teacher,” but not just any kind of teacher, one of intensely profound spiritual wisdom and enlightenment. It comes with incredibly high expectations, and is so demanding that very, very few people live up to its status. Therefore, for most people the 33 Expression number is similar to the 6 Expression: harmonious, loving, caring and sacrificing. However, the 33 Expression will emphasize all these qualities of the 6 — and they can be influenced in a positive way or in a negative way. When the 33 takes on a negative influence, you could actually be emotionally and physically damaging to those around you. But when positive, your ability to heal, comfort and care for others becomes a very prominent part of your makeup. You draw people toward you like moths to a flame.

Heart’s Desire/Soul Urge Number (calculated using the vowels of your full name)

 

Number 5:  Freedom is an essential element for your happiness to be complete. You love traveling, seeing new places, meeting new people, trying new things. Whenever a new idea comes to you, it gets you excited and your enthusiasm is infectious. This is a valuable leadership ability and one that you must work to continually cultivate and develop.

Be careful in your pursuit of change and be mindful of where your desire for freedom leads you. This part of your nature can make you extremely impetuous. This is especially true when it comes to finishing things you start. The goal can become an obsession that keeps you from seeing how to best to achieve it and that will tend to frustrate you. Frustration can only hold you back and that sense of disappointment can make you become very reserved emotionally. Don’t be afraid to release the passion that wells up within you. Fives are very passionate, they just have trouble finding appropriate outlets for their passion. When you find them, you will be unstoppable.

Personality Number (calculated using the consonants of your full name)

Number 6: You have a gift of true compassion so you likewise attract people who are in need of comfort or an empathetic shoulder. You care about their issues and suffer with them whenever they hurt or suffer injustice. Many Personality sixes are also empaths (those who literally sense the emotions of others, especially in areas of sadness, worry, fear or grief). For this reason it is imperative that you guard your own feelings and emotions.

You will also need to keep your mind in the game when dealing with people. You are very generous and word of your benevolent ways can spread like wildfire in the wrong circles. There are those who will seek to take advantage of you, especially for money. Be on guard whenever people share their financial woes. The likelihood of getting solicited to lend cash is likely high.

You are a hopeless romantic but also very loyal. You are always looking to settle down if you haven’t already. If you are married, chances are you are the greatest stabilizing force in your relationship. You are faithful and protected. When it comes to your children you are the quintessential mama/papa bear but you also respect your children’s need for space. You love with all your being but do your best not to smother.

You have a singular appreciation for the arts. You are a music lover over a broad spectrum and you enjoy live concerts and theater. You take pride in your tastes in these things and love sharing them with others.

Subconscious-Self Number (how many of the numbers are represented by your name)

Number 9: You tend to come across as a little impersonal and cold at times. People may find it difficult to form a relationship with you. It’s hard to read you most of the time since you are not very demonstrative emotionally. This doesn’t mean you lack feelings or affections for people and situations – they just manifest in a less emotionally-driven way. If all nine numbers are represented in your name, you don’t have any specific lessons that Karma is trying to teach you which makes you far less vulnerable than average to the variables that life throws people’s ways.

Balance Number (based on all letters of full name)

Number 11/2:  Tact and diplomacy are your best weapons in all personal battles. Leave your emotions out of it. They will only slow you down. Have faith in yourself and have trust in your intuition. The solution will present itself if you just trust your ability to see it. Face your problems head-on. Never cower. Never retreat. Work on defusing as many bombs as possible before they explode. You know what they say about an ounce of prevention….

Do stand up to your problems but also be willing to compromise in the interest of conflict resolution. Keep everything in proper perspective and don’t make more of a problem out of something than there is to be made. Your sensitive nature can throw things off balance. Learn how to stay centered and focused. You attract harmony and balance as part of your nature so take advantage of this. You h

 

Evolution of Finance: What happened to the US Economy in 2008?

As a MBA student, I have the privilege of being exposed to knowledge and learning that helps make sense of the world we live in, but is somehow not common knowledge… It’s not exactly secret, but unless you actively seek it out, you’ll never be influenced to know. Lack of knowledge keeps us in a reactive state of fear and uncertainty, and we cannot act in a reasonable manner with incomplete information. This in and of itself invalidates most economic theory which is founded on the assumption of complete information to the consumer.

One such class full of priceless knowledge was my advanced finance class. Part of the assignments revolved around literature review of certain critical works related to finance in the new millennium. My favorite assignment was a synopsis of Joseph Stiglitz’s book Freefall. Stiglitz is Bernie Sanders’ economic advisor and I truly hope that regardless of who is the future president of the United States, they include Stiglitz in their council. The subject matter is the events and actions surrounding and leading to the Great Recession of 2008-2009. I strongly recommend that everyone read this book in order to understand how and why we got to the current state of affairs. Just like the lessons learned from the Holocaust – we cannot prevent another economic freefall if we cannot identify/define it.

Here is are my takeaways from a portion of Joseph Stiglitz’s book Freefall:

Summary of Ch. 5-8

After an in-depth look at the devolution of the financial sector in the earlier part of the book, Stiglitz makes a methodical breakdown of the inadequacies of the way the bank bailouts were designed, the struggles over regulation, and the lessons we need to learn from the crisis going forward.

Flawed Anatomy of Bailouts

According to Stiglitz, a key oversight in the Bush and Obama government’s actions to bail out big banks in 2008 and 2009 was the lack of though to corporate accountability and strategic planning about where the bail outs would lead the industry after the crisis, which left a system based on inappropriate risk/return distribution, poor incentive structure, and a dangerous precedent for future business practices. He mentions that inequality in capitalism serves the purpose of motivating people to be more competitive and produce a more efficient economy, giving rewards that correspond to one’s contributions. As he points out, the bail outs rewarded those who ultimately imposed huge costs on people all over the world, for the sake of short-term increases in bank profits which turned out to be a “mirage.” Leading up to the breaking of the crisis, neither bankers nor their regulators wanted to admit anything was fundamentally wrong, which means no though was given to the kind of financial system the country needed going forward.

The financial sector failed to innovate in a positive direction: towards products to more effectively help consumers (and themselves) manage financial risks in their own lives. As a matter of fact, they often hindered innovation that would reduce the cost of financial services, and focused on using their ingenuity for increasingly complex and unmanageable securities. Big banks who received the financial bail-outs were peripheral to any actual job creation (unlike some venture capital firms and community banks or credit unions), and the bailouts were based on what Stiglitz cites as examples of “intellectual incoherence.” He breaks down the failings of the financial system into five reasons behind the poor performance: first, Incentives matter, and the way incentives were structured created a mismatch between social and private returns. Second, too-big-to-fail institutions were “too complex, too unwieldy…too opaque” and very expensive to save. Third, big banks moved away from plain-vanilla banking to securitization, which also (fourth) led commercial banks to seek higher returns (and higher risks) for their deposits (commingling of consumer and investment banking sectors – “hedge fund envy”). Lastly, Stiglitz feels greed gripped many bankers into immoral activity, taking advantage of the poorest and most vulnerable.

Financial reorganization is a fact of life and key feature of capitalism for any industry facing bankruptcy. In a typical restructuring, shareholders lose everything, and bondholders become the new shareholders. Government’s role (in the way of bankruptcy courts)is to make sure all creditors are treated fairly and that management doesn’t steal or defraud any assets. Banks differ slightly because the government insures deposits, so changing of ownership differs slightly in a process called conservatorship, where the government essentially fills the hole in the balance sheet of the institution being taken over. Rather than taking this traditional approach and forcing a financial restructuring, the government took no action and allowed banks to take bigger, riskier bets in an effort to make back what they lost. According to Stiglitz, restructuring would have required almost no taxpayer funds and would potentially had the upside of increasing the value of the firm (due to decreased risk of bankruptcy) and bringing any undervalued assets to market value. This approach was discredited by the Obama administration because big banks were too big to be financially restructured or “too big to be resolved” (made solvent.) Here, Stiglitz also addresses the collapse of Lehman Brothers and the notion that the whole crisis could have been prevented if Lehman was also bailed out, stating that Lehman’s collapse was simply a consequence of the overall flawed lending practices and inadequate oversight by regulators, not a cause of the whole crisis, although it certainly accelerated the collapse. He further opposes the argument for Lehman’s rescue, in that the government has an obligation to save depositors, not use taxpayer money to save bond and shareholders. As an investment bank, Lehman had no depositors. It used commercial paper in money market funds to borrow money, functioning very similar to a bank, although fundamentally based in securities (this is called the shadow banking system because it circumvents traditional banking regulations.) Stiglitz cites that taking in this additional risk was only justified by the promise of above-average returns seen during the boom.

Initial rescue efforts were done largely through “hidden” bailouts, until September 2008, when it became clear that more assets than what was previously provided by the Fed would be needed. Under the Troubled Asset Relief Program (TARP), government would buy toxic assets, which would inject liquidity and clean up the bank’s balance sheets. This suited the banks because government would overpay for these assets (private sector or markets wouldn’t), in effect, a hidden recapitalization of the banks. This plan originally presented by Treasury Secretary Paulson was essentially a $700 billion “blank check”, creating a massive redistribution of assets from taxpayers to banks. According to Stiglitz, upbeat euphemisms calling the bailout a “recovery program” and transforming toxic assets into “troubled assets” or “legacy assets” was part of the denial problem that was plaguing the system at that time. Before being thoroughly discredited, this proposal went through the House of Representatives, where according to Stiglitz, “each of the opposing congressmen [was asked] how much they needed in gifts to their districts and constituents to change their vote.”

The second proposal for assisting the banks involved “equity injection,” in the hopes that this would stimulate banks to lend more, and also prevent bank undercapitalization (which proved to be a risk to the economy in the 1980’s). Stiglitz himself was admittedly among the supporters of this plan, although it was because he “had wrongly assumed it would be done right – taxpayers would receive fair value for the equity, and appropriate controls would be placed on the banks (p.125).” In Stiglitz’ opinion, the US taxpayer got shortchanged, even if simply compared with what Warren Buffett got at the same time, and even more so with each successive bailout. For example, ROI in the first set of bailouts was $0.66 per dollar, and in later bailouts for Citibank and AIG, it was only $0.41 per dollar. Another example of the “intellectual incoherence” in the matter was that banks and regulators wanted to pretend the crisis was solely due to unfounded low confidence and lack of liquidity – each bank believed in its own decision making and solvency were sound, but no one believed that about other banks, leading to a reluctance to lend to each other. According to Stiglitz, the reality was that years of non-transparent accounting and misleading, complex products meant that the banks now did not know their own balance sheets. Repeated announcements and speeches that the economy was on sound ground were muddied by concurrent bad news, further eroding the credibility of banks and regulators alike. According to Stiglitz, in October 2009, the IMF reported global banking losses to be around $3.6 trillion, while banks admitted to a much smaller amount, leaving the rest of the shortfall as a “kind of dark matter” in the system.

Finally, since equity injection had failed to restart lending and confidence, it was replaced by the Public-Private Investment Program (PPIP) in March 2009 under leadership of the Obama administration. As described by Stiglitz, the terms of the “partnership” were anything but normal, since up to 92% of the needed funds came from government, and only 50% of the profits would be returned – once again taxpayers would bear almost all of the losses. As Stiglitz provides a mathematical example, it is clear that this would work out as a bad deal in practice:

“Consider an asset that has a 50-50 chance of being worth either zero or $200 in a years time. The average value of the asset is $100. Without interest that is what the asset would sell for in a competitive market. It is what the asset is worth. Assume that one of the public-private partnerships the Treasury has promised to create is willing to pay $150 for the asset. That’s 50% more then it’s true value, and the bank is more than happy to sell. So the private partner puts up $12, and the government supplies there remaining 92% of the cost –  $12 in “equity” plus $126 in the form of a guaranteed loan. If , in a years time ,it turns out that the true value of the asset is zero, the partner loses $12, and the government loses $138. If the true value is $200, the government and the private partner split the $74 that’s left over after paying back the $126 loan. In that rosy scenario, the partner triples his $12 investment, but the tax payer having risked $138, gains a mere $37.”

To make matters worse, Stiglitz claims that there was ample opportunity for gaming (arbitrage) and adverse selection with the PPIP, transferring huge amounts of wealth from the government to financial markets in a way that was “clever, complex, and non-transparent.” Stiglitz concludes that these are actually long-term liabilities because “no one will know for years what it will do to the government balance sheet.” He goes on to say that the rescue plans were doomed to fail for a few elementary economic reasons:

  • Conservation of matter – the loss from a toxic asset will not disappear when government buys it; following the environmental economics principle of polluter pays is a good guideline to figure out who pay for future toxic assets.
  • There was no imposing taxes or dis-incentives on banks for “bad” externalities
  • Moral hazard of bailouts
  • Bad incentive structure leading bank officers to take government funds and pay out dividends and bonuses, rather than lending.
  • Need to be forward looking – let bygones be bygones; give assets to healthy, functional, and efficient institutions rather than trying to save the failing ones.

Furthermore, Stiglitz asserts that some of the bailouts were made to institutions who do little or no lending, such as AIG, further sending a signal to the industry it would hold no liability for deals or guarantees made in bad lending. If anything, the bailout should have helped restructure the financial system to make it better at serving the function it is supposed to serve, rather than deepening institutionalizing bad practices. The result is what Stiglitz calls “ersatz capitalism,” a version of capitalism where losses are socialized and gains are privatized(2).

Regulation and Lack-thereof…

Further criticism is due to the Federal Reserve and it’s failures in forecasting and policy.  According to Stiglitz, successive Fed chairmen Greenspan and Bernake irresponsibly advocated deregulatory philosophy, suggesting that investment bank risk did not pose any systemic effect. This was based on a series of fallacious arguments based on the belief that markets always work, and because they do, there is little need for regulation (it would reduce efficiency), and little to fear from bubbles. With lending from investment banks frozen, the Fed went from being a “banker’s banker” to being the “nation’s banker” and itself took on commercial paper from corporations without any regard to risk assessment for that paper. Given these actions, the Fed’s ability to manage inflation comes into question and presents a global issue due to a large amount of US debt held abroad. Stiglitz also argues that as long as unemployment remains high, deflation is a more serious risk because it could result in more defaults at the household level.

As discussed earlier in the book, financial market regulation has proven to be a historical necessity, however memories are short, and by the Reagan administration, financial deregulation began based on the promise of savvier science and technologies which enabled the invention of new risk management products, such as derivatives. Regulation of these new instruments was proposed, and resisted, as early as the 1990’s, despite endorsement from officials such as Brooksley Born, head of the Commodity Futures Trading Commission. On the topic of self-regulation, Stiglitz concludes that is “an oxymoron – doesn’t work” and further explains that even if a bank was managing it’s own risks well, without external regulation, there is nothing to control the systemic risks of all banks behaving similarly or ‘herd mentality’. This kind of correlations allows problems to compound as more banks try to sell more bad assets at the same time – oversupply drives market value down even further, leading to insolvency.

To answer the question of how unsound lending practices began in the first place, Stiglitz details the flawed and misaligned incentive structure used within to compensate banking executives. Most commonly, a large part of compensation and bonuses are paid out as stock options, related to income generated regardless of losses, resulting in high pay independent of good or bad performance. The accounting rules in effect actually leave shareholders unaware of the full cost of executive compensation in stock options Even at the producer level, focus was on quantity, not quality. Executives paid in stock options have a motive to drive stock price up by any means possible, including creative accounting, which was behind many of the scandals of the dot-com bubble. Bonuses based on long-term performance would encouraging executives to make more balanced investments, rather than investments with a small probability of disaster in the distant future. Shareholders should also have more say and clear information on compensation amount.

Transparency and availability of information are issues Stiglitz links back to the use of deception to control short-term outcomes. Without good information, markets can’t work well. The need for regulation here is two-fold : both in the quantity of information disclosed (it has to be comprehensive and universal), and the quality (allowing it to be interpreted in a meaningful way). Stiglitz indicates that this should start with creating good accounting systems by reversing the accounting standards loosened in April 2006, as well as re-introducing mark-to-market accounting, but with a clearer definition on it’s applications and use. Complexity is another feature of the financial sector that creates issues, which should be addressed by regulation. Financial derivatives are built using computer models with an agenda to maximize the fraction of a lousy subprime mortgage that could be packaged with other debt to get an AAA, AA, etc., rating. This is called “rating at the margin” and this complexity coupled with a lack of transparency allowed banks to change higher fees and be less competitive under the veil of targeted or one-of-a-kind products. Clearer standards for credit rating are needed. Stiglitz also suggests that to curtail excessive risk taking, 1) banks who do so should be restricted with higher reserves requirements and insurance fees 2) leverage needs to be more limited, and 3) a revision of the Glass-Steagall Act should be reinstated for any institution with the benefits of a commercial bank. Certain default swaps and other derivatives should be limited to exchange-traded transactions and subject to the principle of “insurable interest” requisite for other forms of insurance.

Other regulatory measures proposed by Stiglitz for “too big to fail” banking echoes the trust-busting policies of the past. Big banking should be broken up if they are inefficient and hinder innovation. They have no significant economies of scale or scope. Their competitive advantage comes from their monopoly power and the implicit government subsidies. Large government-insured banks should also be restricted from proprietary trading.

What to do next, and How to do it better?

After a full description and analysis of the crisis, as well as some short-term crsis recovery prescriptions, Stiglitz dives into prescriptive ideas for future prosperity. The financial crisis shows that financial markets don’t automatically work well, and markets are not self-correcting. A changed social construct and carefully defined regulation is needed to create a better balance between the role of government in the role of market. There is a need going forward to restructure the economy due to the changing dynamics of global imbalances – the US is borrowing as much as 6% of GDP from other countries and approximately 60% of its own, at a time when there’s a surge in retiring population. The G-20 summit has proposed a coordinated macroeconomic response so that these imbalances will be reduced in a way that keeps the global economy strong, which is a step in the right direction, although Stiglitz expresses some skepticism about the proposal’s ability to withstand conflicting domestic agendas. Further international cooperation is needed to manage climate change is a way that is sensitive to the economic needs and realities of developing regions. Furthermore, the gap between global supply and demand needs to be bridged by putting into use the world’s underutilized productive capacity. Innovations lead to the “manufacturing conundrum” during a particular stage of economic development, where employment falls even as a sector grows, so this has to be balanced with targeted growth in other sectors. Finally, inequality and stability will be challenged for the new economy.

Challenges specific to the US include employment, mobility, global warming, aging of the population, sectoral problems (specific to finance, energy, health care, education). There needs to be a focus on high-paying middle class job creation to strengthen the “backbone” of the country which took a hit with the weakening of the industrial base. The US needs consider what it’s long-term dynamic comparative advantage should be, and how to get there. Top priorities of the government going forward should be 1) full employment and a stable economy, targeting inflation, 2) promotion of knowledge and innovation, 3) to provide social protections and insurance and 4) to prevent exploitation and enforce usury laws.

 

References:

  1. Freefall by Joseph Stiglitz
  2. http://www.businessinsider.com/stiglitz-americas-ersatz-capitalism-is-a-joke-2010-1

Recipe – Vegan & Gluten-free Pizza

This recipe is free of any animal products and is gluten-intolerance friendly. The result is delicious and leftovers keep in the fridge for up to 3 days (maybe longer but I couldn’t wait that long) and are still yummy when warmed up in the microwave.

For the crust, you will need:

  • 1 head of raw cauliflower
  • Rice flower
  • Baking powder
  • Greens seasoning
  • Salt
  • Coconut oil

For the toppings, I used:

  • 2 tomatoes
  • 1 stalk spring garlic
  • 1 green bell pepper
  • 1 small zucchini
  • 1 head of onion

What to do:

  1. Separate the cauliflower florets from the core. You can either chop the core into chunks or throw it out. If you choose to use it, make sure to chop it finely. Also, your crust may have a stronger cauliflower smell if you don’t thoroughly process the core stem.
  2. Chop them up finely or run through the food processor until it looks like course sand.
  3. Transfer to a microwave-safe bowl and cook for 5 min. Stir and repeat until the cauliflower mashes up smoothly against the back of a spoon.
  4. Allow the cauliflower to rest until it’s cool enough to handle. Transfer to a cheesecloth or fine strainer to remove extra moisture. (You can do all these steps ahead of time and let the cooked cauliflower sit in an open container in your fridge to dry it out. I wasn’t intentionally making it ahead, but at this point of the process. I ran out of time on my meal prep day and the bowl of cooked cauliflower sat in my fridge for another 2 days before I used it, completing the dehydration process for me.)
  5. Cauliflower should be cooled and have to excess moisture before proceeding. Put the cauliflower mass back into a mixing bowl.
  6. Add 1 tbsp of coconut oil, and start with 4 tbsp rice flower. Stir this as well as possible and start adding water.
  7. Mix and gradually add water until the mixture looks like cake batter that’s too doughy.  Continue adding rice flower and water gradually. Depending on how large your cauliflower head was, you may need to create more batter.
  8. Add one tsp of greens seasoning or salt and garlic powder (optional – although I highly recommend the greens seasoning because it has a little kick and neutralizes the cauli smell)
  9. Add 1 tbsp of baking powder and stir thoroughly.
  10. Spray the bottom of a pizza pan and pile the cauliflower-batter mass in the center. Use the back of a spoon to spread out and around until the crust is only 1/4 inch thick.
  11. Pre-bake the crust in a 425 degree over, starting with the bottom rack and moving up, until the top of the crust is golden and cracked and the edges are browned and crunchy. About 20 mins.

In the meantime, for the toppings….

  1. Place 2 whole tomatoes (roughly diced) into a blender with 1 stalk (top and bottom) of spring garlic, or 2 large cloves regular garlic, and blend until you get a puree. Depending on your blender, you may need to add a spoonful of water to get it going.
  2. Slice or chop the onion. pepper, and zucchini as desired… Or whatever other toppings you like! I’m sure this would be fabulous with some vegan cheese topping too, but I didn’t have any on-hand.

At this point, the crust should be ready to come out as well.

  1. Pour 3/4 of the resulting tomato sauce on top of the crust and arrange the slices of your other toppings, as desired. Pour the remaining tomato sauce on top of the veggies.
  2. Return the pizza to the oven and increase the temp to 450 degrees. Bake in the center rack until the toppings are completely cooked. I like my veggies pretty thoroughly cooked, so at this point there was no more steam coming off the pizza and the veggies were completely dehydrated.
  3. Let the pizza cool for at least 15 min. The warmer it is when you try it, the stronger the cauliflower undertone/smell will be. (Maybe it’s just me, but after it was cold the coconut smell was more prominent, but not in an unpleasant way… It was just there.)
  4. Enjoy with friends or family! My mom loved it and could not believe it was made of cauliflower…. My dad, who is overwhelmed by my dietary restrictions and wasn’t in on the recipe, thought I was committing suicide by pizza and was ready to call an ambulance. LOL. Sorry dad!

Please let me know how it turns out for you and if you experienced the same smell/flavor nuances! I will take pictures and include them next time 🙂

Love you, and be well!!!

Mission, Goals/Objectives, and about me! Let’s get started :)

Thanks for reading!

As the site name suggests, this will be a “lifeblog,” so my intention is to share as much of my life experiences, observations, and lessons as I can, in the hopes that it will help others and benefit them some way in their own unique life journey. Given that goal,  I think an important part of providing this intended benefit is transparency about the source of information- i.e. giving my future readers some background about myself… But I’m going to save that for the end of this post!

I’ve resisted becoming just another droplet in the ocean of bloggers for a long time, because, possibly like a lot of people, I feel like there is enough “information overload” to cope with on a daily basis. But a lot of personal changes of late have influenced my conviction that a key component to being a positive/creative force in this world is to effectively share and communicate wherever parts of “the process” you’ve uncovered with others, so we can collectively replicate the steps and innovate better ways to live life! I know that sounds very high-level, generic, broad, and maybe even unrealistic, but that is the way of any 1000 mile journey. What comes after the conceptualization of “the destination” starts with a single step, and the subsequent individual steps reveal themselves along the way. I’ve realized that many of my personal issues stemmed from a need to overcome/consciously reconcile a lot of negativity – untrue thoughts, negative  feelings and emotions – and learning to target their root causes, not just the “symptoms” (which is the negative perception/experience itself). Of late, I am strongly convinced that we are at a point of existence where we collectively have a huge potential for growth, development, and progress at our disposal – we just need to set intention before action and do everything deliberately and consciously. This is a daily practice and it’s a process I’m not claiming to have perfected, but it’s a way of thinking and as such, once put into motion, will change every aspect of your life and how you see the world. The startup cost is literally zero and the benefit is as great as you can cenceive it. Even if you’re not religious or spiritual (and I strongly believe everyone is spiritual even if they don’t claim it), finding the proverbial divinity within the mundane will become much more literal. At a certain point, I myself am left wondering if it’s a blessing or a curse, but I guess the answer is: it’s whatever you make of it!…. So this blog is my attempt to share the beautiful, fractal complexity I perceive within the world so that we may all be blessed, together!

My background in “20 (or less) Questions/Facts” Format:

  1. (I am) First-generation Bulgarian immigrant.
  2. …An only child to two very loving, hard-working, hard-headed, small-town folks
  3. …International Baccalaureate (IB) program grad from one of the top high schools in the nation
  4. … A freelance model formerly based out of Miami
  5. …Miss Florida Spirit 2010, Miss Pembroke Pines US Nation 2011, Miss Florida US Nation 2012
  6. … A Type 1 diabetic for 12 years
  7. … A survivor of untreated thyroid, adrenal, and reproductive imbalances
  8. … A recently turned HCLF/RawTill4 vegan!
  9. … A FIU alum with undergrad in economics
  10. …. A Soon-to-be UNF alum with MBA in finance
  11. … A Financial rep for managed account services at one of the top-rated US brokers!
  12. … The original single-girl homeowner!
  13. … Forever single 😂
  14. I label myself as Eastern Orthodox, as religion goes.
  15. … A supported of CATA, GirlsGoneGreen, and The Solution
  16. … striving to align myself as “service to others”

 

Happy Earth Day!

The love in your heart is the life-blood of Mother Earth. Feel it today so that She may breathe tomorrow!

XOXO,

Izabel