Recent comments

  • The new face of poverty is fat   18 years 23 weeks ago

    I've spent the last couple years trying to go vegetarian, and have learned a lot about foods.

    Part of the process of going veggie involved switching to a pretty bland diet heavy on grains and beans. I definitely felt better after a while, but couldn't quite figure out why, until I switched to a mixed veggie/fish diet, and ate more junk food. (BTW, the diet changed because I took on a somewhat stressful job, stacked on top of existing freelance demands, not out of laziness. Maintaining a healthy veggie diet is a lot of work.)

    First off, I'm not one of those natural born veggies - meat tastes really good. I still eat a little, and it's like really good drugs. After eating meat, it takes a few days to really get the sensation out of my mind, so I can be vegetarian again.

    The same goes for soda and juice. That stuff is addictive.

    White bread, white rice, and other low-fiber carbs can give you an insulin rush that's like doing opiates. That's the lunchtime food coma.

    Salt isn't that addictive, but, it makes things taste better. It has to be used in moderation.

    Fats mixed with salt (aka, butter), is also the same way. They make things taste better.

    French fries are like mixing wine, vicodin, cigarettes, and coffee. That kind of describes the diet of, say, Rush Limbaugh, or a young urban badass with a pain-killer prescription. It's "good times" if you're 20 or 25 years old, but when you're older, it's stupid.

  • Can the government help in a recession?   18 years 23 weeks ago

    A hands-off approach is generally expected to be worse than intervention. Prior to the Great Depression, government intervention was minimal, and the economy regularly went into depressions, not simple recessions. The pain of the GD was so great that we swung over to the other direction, and went into heavy deficit spending and government intervention. Then, later, during the 1960s, we shifted toward our current monetarist policy, where the government intervenes, but primarily by controlling the money supply.

    We've averted depressions, and suffered only "recessions". Now, to the average worker, a recession feels like a depression, but, at least the larger economy doesn't collapse. The wealthy now experience recessions as short-term losses, but not as life-changing experiences. Maybe they lose their business, but they don't really lose their shirts.

    Perhaps a direction to explore are ways to use government spending during recessions to ease the pain on some average workers. During the potential recession, the people most likely to suffer the most include construction workers, who are already experiencing wage declines. I think it would be rational to examine the backlog of needed infrastructure repairs, and then do those that are possible using these workers. The taxpayers get to take advantage of this downturn in wages, the workers find their wages lifted, and some workers who wish to transition out of the job will have an extra year or two to re-skill.

    We could use this housing downturn to alleviate homelessness, for example. We could use this labor to rehab marginal properties that are distressed. The government could acquire the properties, rehab them, and turn them into transitional housing.

  • Can the government help in a recession?   18 years 23 weeks ago

    A couple of weeks ago, I caught an interesting interview on Bill Moyers. The guest, Benjamin Barber, described the sub-prime meltdown in a larger context that re-framed my perspective of the symbiotic (or parasitic) relationship btw corporate America and government (i.e. taxpayers). I think it is quite relevant to understanding the mechanisms avail to address a recession. Here is an excerpt from the Bill Moyers transcript:

    BENJAMIN BARBER: -- It is. But part of the problem here is that the capitalist companies have figured out that the best way to do their job is to privatize profit, but socialize risk. That is to say--

    BILL MOYERS: What do you mean?

    BENJAMIN BARBER: --ask the taxpayer to pay for it--

    BILL MOYERS: Yes.

    BENJAMIN BARBER: --when things go down. The banks now that have just screwed up so big, not one of those banks is going to go under because they'll be bailed out by the feds. 'Cause the feds, the federal government will say we can't afford this gigantic multi billion dollar bank to go under. Happened with Chrysler 20, 30 years ago.

    BILL MOYERS: Got to keep the wheel going.

    BENJAMIN BARBER: And, therefore, it's impossible to fail if you're a business. You never get punished. Now the whole point of profit is to reward risk. But what we've done today is socialize risk. You and I, and all of your listeners out there, pay when companies like sub-prime market mortgage companies and the banks go bad. We pay for it. They don't.

  • The Real Deal: What to Expect When Starting Your Own Business   18 years 23 weeks ago

    Great article - so to the point, I wrote a similar post earlier this year and some people thought I was being negative. It takes so much out of you - it is worth it to me, but it is NOT for everyone. Some people can not take the toll or sacrafices it takes to do it.

    I would also reccomend not putting "All eggs in one basket" - if you have a huge customer and that customer goes away, or sales decline steadily year after year (happened to us) you need to make sure had have other revenue to replace that one customer.

    Going to go check out your blog now!

  • 7 Cheap Treatments for Year-Round Allergies   18 years 23 weeks ago

    Actally, using (pollen-containing) honey to treat allergies would be ISOPATHY not homeopathy (assuming it's the pollen that does it and not something else). Same for allergy shots, and maybe for vaccines.

    Isopathy means "same suffering," so prescription is by the CAUSE of the symptoms. This is exactly what allergy shots are doing.

    Homeopathy means "similar suffering," so prescription is by the SYMPTOMS, not by the CAUSE of the symptoms. For example, if your ragweed allergies give you red, burning eyes and bland nasal discharge, you would want to take Allium Cepa (Red Onion), NOT a remedy prepared from ragweed, since it has a different set of symptoms (I know that remedy exists, but I don't know it's symptoms).

    One other thing--the preparation of a remedy does not make it homeopathic. Only it's application. For example, when I burn myself cooking, I run warm water over the burn. Nothing special about the water, but boy does it produce the same pain as the burn! And yes, it does heal faster and much less painfully (anecdotally, at least).

  • The Quiet Millionaire: Part 6 - Are You Paying Too Much Tax?   18 years 23 weeks ago

    Great information on not always deferring taxes! Tax rates on long term capital gains haven't been this low since 1933 and deferral could be a costly strategy. I have a white paper on the topic and you may want to check out this tax history table within it for addtional perspective. More on Wealth-O-Nomics as well.

  • The $40 Hidden Inside a 12V Battery   18 years 23 weeks ago
  • 4lb box of See's chocolates for $1, plus FREE shipping. DEAL ENDED.   18 years 23 weeks ago

    I just discovered Wise Bread via zenhabits and saw this post — it was surely making the rounds at all the usual bargain sites, accelerating it towards being a "dead deal". Ah well, we can always look for the next one to come along, yes? :)

  • I Got Duped! Dealing With Credit Card and Merchant Disputes   18 years 23 weeks ago

    1-2-08

    Hi Nora and Happy New Year,

    I got a tri-fold flier in the mail boasting of 0% APR for 12 months, then 9.9%. I have exactly two existing cards, a MC and Discover, and figured I'd bal tfr the Disc Card's $4xx balance (at 11.9%) to this new card thingie.

    I went to the '60SecondPremier.com', put in my 'confirmation code' and was instantly 1)'approved' and 2)made aware of an incredible array of fees, including one I've never heard of:
    something like 'Process' or 'Program' (?) Fee of $90-something!

    My question, as there doesn't seem to be a live-attended line for me to try a dissent--what do I do? Do I write them? Do I write L. Madigan, IL Attny General? Am I protected by simply not pulling back the sticker on card to activate it? First Premier Bank is in S.D., CST, and they're 'not up yet' at 8am.

    You got a cool blog, the baby's pic is cool, and I hope you can share wisdom as I feel a bit outmatched.

    Thank you,
    phil baker

  • Make Your Own Moon Sand, Dirt Cheap   18 years 23 weeks ago

    This sounds great. How long do you think this stuff will last? Would some kind of preservative help? If I was using it for a pre-school playgroup I could see it getting a bit smelly and unhygienic. Perhaps a few drops of Milton fluid or something like sodium bicarbonate would keep the starch fresh.

    Thanks

  • 7 Cheap Treatments for Year-Round Allergies   18 years 23 weeks ago

    I wasn't able to find out how long the study went either. It is an interesting question, though. I wish I could find the answer.

    I am certainly not unwilling to accept alternative medicines. Before looking into it today, I was among those who believed the honey thing probably did work, and had suggested it to many allergy-suffering friends. On the surface it seems to make a lot of sense.

    After researching it some, though, I'm now of the opinion that it probably (note that I am not saying definitely) does not help most people. It seems that the pollens most likely to cause allergies are tree and grass pollens, which are airborne and dust-like, not the heavy, sticky pollens found in bee-pollinated flowers, which are unlikely to be inhaled.

    For all I know some people are allergic to bee-pollinated flower pollen, and perhaps those people could be helped by honey. I did glean that some allergies can be treated through regular shots of the allergen, thus allowing the body to build up an "immunity" (though this doesn't make a lot of sense to me, seeing as allergies are an immune reaction themselves). If that works, which apparently it does, then strict regular exposure to pollens in honey seems like a logical extension. But I don't know what kinds of allergies these shots are for, and I'm pretty sure they don't work for all kinds.

    It actually looks like people develop allergies to the kinds of pollens that are in honey with regular exposure, such as by working as a florist. That makes me think that regular exposure to said allergens is unlikely to reduce those same allergies.

    But the placebo effect is very powerful indeed.

    http://healthlink.mcw.edu/article/926103720.html

  • Gourmet Pizza for Less than a Buck   18 years 23 weeks ago

    I always make my pizza at home. From start to a quick finish, I can do it now in 40 minutes, including baking time. Here's what I do:

    1. Measure the following: 240g of filtered water, 375g of all purpose flour, 6g of kosher sea salt, 1 pack yeast.
    2. Heat water in microwave for 30 seconds, and it should be about 110deg F.
    3. Mix flour, yeast, salt water together, and it helps to use a KitchenAid mixer. Let dough come into a ball. Ideally, let stand for a few hours at room temp with a wet cloth on top. This will allow it to proof.
    4. Stretch out dough really thin, place on olive oiled pan
    5. Heat oven to 400deg F
    6. Plut ketchup or tomato sauce on top, really thin, and then very sparingly some cheese and some pepperoni
    7. Put in oven, and then bake for 10 minutes until cheese browns a bit.
    8. Cut into slices immediately, and EAT and ENJOY! Yummy!

  • 7 Cheap Treatments for Year-Round Allergies   18 years 23 weeks ago

    I coulnd' find out how long the University did the allergy study with the two types of honey and the syrup..

    From what I saw with my brothers roommate and others who have tried the treatment idea their is virtually no visible effect for almost six months and then it starts to kick in....and you can't stop taking the honey its ongoing...but not a bad thing to have on your toast every morning!!

    As a side note the same general thing can be said about the Glucosamine Chondroiten complex they tell you to take for Arthritis and Joint problems.

    I was skeptical as a lot of people I knew had taken it and said they had no results....EXCEPT those who had persisted in taking it...seems the effects don't start to be felt until after 4 months and they were right. After 5 months my knees and elbows stopped hurting and I got a lot of motion back.

    Americans have been lead to believe that if the Medicine doesn't make you feel better before its even hit your stomach its Quackery or a Fraud.

    ~ Roland

  • Save your Lunchmeat: Insurance for your Fridge   18 years 23 weeks ago

    Most fridge clasps or locks are ill-advised with children because of the risk of them getting trapped inside the refrigerator.

  • Save your Lunchmeat: Insurance for your Fridge   18 years 23 weeks ago

    Most fridge clasps or locks are ill-advised with children because of the risk of them getting trapped inside the refrigerator.

  • 5 Ways to Dodge Peer Pressure to Spend   18 years 23 weeks ago

    Wow, guess I've never had a problem with peer pressure to spend and never will. I'm 53 with a strong work ethic; always had a quarter in my pocket and a backup plan even when I was a kid. Man, I wish to this day I'd been born 150 years ago. I hated being a teenager in the 70s, hated the in crowd, the clothes and the music, never cared much about doing what everybody else did. I could not wait to burst out of high school, didn't marry or have kids when everybody else did and didn't care about communicating much with the old buds after that; was too into work and college courses though I stayed in my own town. Bought a house when I was 23, didn't marry till I was 28 (and he was much older), stayed married 7 years and we divorced, no kids. My experience is that as I've gotten older, I've tended to want the company of church acquaintances in particular (invaluable), a very few work peers, neighbors and family to spend time with. I've always worked second shift by choice because I love the daytime to be outdoors working in the yard. For the past 11 years, I've worked from my home, which I love, and I sure don't miss the office politics. Just cannot imagine wanting to spend much time with anybody who doesn't share my bible-believing values and ideas about frugality, what would be the point, I wonder. And I would not want to be young again if you paid me, ha-ha.

  • 7 Cheap Treatments for Year-Round Allergies   18 years 23 weeks ago

    A good deal cheaper and about a thousand times more pleasant to take! I think people are starting to realize that new treatments do not always equal more effective treatments. Sometimes the best thing for what ails you is right outside. Honestly, I've learned just as much talking to the "Bee Lady" at my local farmer's market as I have talking to my general practitioner. I think the recent news that honey is an effective cough suppressant just backs this up, too.

  • 7 Cheap Treatments for Year-Round Allergies   18 years 23 weeks ago

    Eating honey to help with allergies is not homeopathy. In homeopathy, the supposed active ingredients are diluted to the point that they cannot even be detected in the final product, i.e., until they may as well not have been used at all. Honey really does retain pollen; its use for allergies is not at all homeopathic.

    http://en.wikipedia.org/wiki/Homeopathy

    However, while the theory sounds good, it is probable that honey does not help with allergies. A study (albeit a small one) was conducted wherein the test subjects were given one of three things: local, raw, unfiltered honey; national, pasteurized, filtered honey; or honey flavored corn syrup. None of the three groups showed more improvement than the others.

    http://www.msstate.edu/entomology/newsletters/beenews0506.htm

    As a side note, vaccinations are not homeopathic either. They function more like the theoretical honey-for-allergies (except they really work). A vaccination introduces a dead or weakened version of a virus to the body such that the immune system can learn to "recognize" it--that is to say, produce antibodies for it. While the amounts of the virus are small, they are certainly present, whereas in homeopathy no virus would be detectable in the vaccine. Interestingly, homeopathists oppose vaccination.

    http://en.wikipedia.org/wiki/Vaccine

  • 4lb box of See's chocolates for $1, plus FREE shipping. DEAL ENDED.   18 years 23 weeks ago

    But if that offer has indeed expired, I hope a lot of people got the deal. And no-one over at See's is in trouble.

  • Make Your Own Moon Sand, Dirt Cheap   18 years 23 weeks ago

    It doesn't dry out because it is basically sand where each individual grain is coated with a slightly sticky wax. So you really aren't making the exact same thing here, just an alternative. The wax coating is what makes real moon sand so easy to unmold.

  • 7 Cheap Treatments for Year-Round Allergies   18 years 23 weeks ago

    In my younger days I had 10 colonies of bees..sigh!!..I do miss them.

    But anyway my brother had a roomate who had severe allergies to most pollens...the very elderly widow of a local Doctor had told him to get Unfiltered, Unheated Honey from LOCAL beekkeeper and to take about 1 to 2 tablespoons every morning and after about six months he should see a great improvement.

    He scoffed at her but the the final straw was the day my brother opened the fridge and a whole bunch of his roomies medicines hit the floor again...(I thought it strange but most of his medicines required being kept cool so in the fridge they went).

    Anyway my brother told him he was going to try the Honey routine. After about six months Mikes allergies subsided and now even during the worst seasons here in Florida he only gets a slight red nose and rarely needs the medicines.

    The Honey routine has to be kept up all year to maintain the effectiveness but the biggest and most important requirement is that the Honey be LOCAL as well as unfiltered and unheated...Unfiltered will have lots of Pollen in it and it will still be LIve as is was not killed by heating.

    A good deal cheaper than even Generic drugs too!!!

    ~ Roland

  • 7 Cheap Treatments for Year-Round Allergies   18 years 23 weeks ago

    I would hugely recommend a Dyson vacuum if you have allergies and a lot of carpet, and especially if you have pets as well. It's leaps and bounds better than the vacuum I had before.

  • 4lb box of See's chocolates for $1, plus FREE shipping. DEAL ENDED.   18 years 23 weeks ago

    I wished I had checked Wise Bread a couple of hours ago. If you click on the link, it now directs you back to the homepage. Oh Well.

  • Turn brass pennies into gold.   18 years 23 weeks ago

    Pennies are 97.%% Zinc with a 2.5% coating of copper. In the gold penny lab a thin layer of zinc gets deposited on top of the thin layer of copper and you get a "silver" penny (thin coat of shiny zinc). Heating the penny will cause the layer of zinc to mix with the layer of copper below it. This creates an alloy called brass. The brass alloy is your gold pennny. Copper is not turned to zinc and zinc is not turned to brass.

  • ‘Secret’ Attraction   18 years 23 weeks ago

    I'm glad you liked my article, and I enjoyed your insightful supplementary contribution; it seems like you know what you want and are making plans to achieve them, starting with a foward-thinking attitude towards challenges.

    Happy New Year!