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Blasts from the Past

HeeHEEEE! Earlier this morning I took it upon myself to look up an antique post here at Funny, by way of suggesting to Revanche at A Gai Shan Life that staying the course might yet be an option. Then I got mildly curious about other posts I’d published Back in the Day.

Most of the time I did write, boringly enough, about personal finance topics — the usual business about building frugal habits, staying out of Costco (r-i-i-i-g-h-t!), paying down debt, and Bag Lady Syndrome.

But every now and again… Heh heh heh. God, when I was a kid, I could really write. An anecdote, under my flying fingers, became a fantastic soap opera. Check out this one: The Great De-Wallpapering Adventure.

This little reminiscence wasn’t too bad, either: Are We Better Off Than Our Parents Were?

{chortle!} I can’t believe I used to write like that! 😀

How to Survive a Consumer-Driven World and a Shopping Addiction

by Kostas Chiotis

Credits: Pexels

While it’s okay to give in to the occasional urge to add a new pair of shoes or a pink dress to your wardrobe, a shift from impulsive to compulsive buying could be a possible sign that you have a bigger problem- a shopping addiction. In a consumer-driven world, credit cards, vouchers, and coupons all push us to a whole problem comparable to other forms of addiction like gambling and alcoholism.

An article appearing in the PubMed database revealed that nearly 7% of Americans struggle with compulsive buying, which is more than 18 million American citizens. In a society where “shop till you drop” translates to fun, the many shopping addicts continue with the shopping sprees without acknowledging that they have a problem. The problem has been worsened by the growth of online shopping and adverse marketing.

But here is the best part:

You can survive a shopping addiction, just as a gambler can recover from gambling addiction. If you recognize that you have a problem and need help, that is a starting point to the recovery process. Don’t wait till it is too late. However, if you are in doubt, here are possible signs that you have a shopping disorder:

You are easily tempted to buy things that you do not need.

Every time you go to a store, you develop an irresistible urge to buy something new, even though you already have a similar item at home. You are likely to feel vulnerable if you admitted that you are obsessed with particular items such as a watches, handbags or new phone cases.

You experience a feeling of excitement when you buy.

Shopping addicts experience an adrenaline rush when purchasing something that they desire. However, the excitement comes from the act of making a purchase rather than owning the product.

Creditors hound you.

Most shopaholics find themselves cornered by creditors, banks, and even friends, due to their poor credit rating. Usually, it is a case of poor management of debt brought about by spending more than you can afford. Even in such circumstances, they are hesitant to seek expert advice on managing debt.

You hide your spending habits.

If you find yourself hiding the shopping baskets or your newly acquired clothing, you could be having a bigger problem. Some people may even take quick loans secretly to purchase desirable products without the knowledge of their parents or partner.

Most items in your closet have their tags affixed or have never been opened.

If you find yourself buying things at a faster rate that you need them, you are most likely a shopaholic. The closet may be filled with dozens of new items that remains unopened several months since they were bought.

Anger, frustrations, and boredom spark the urge to shop.

Shopping addicts indulge in compulsive buying as a way of filling an emotional void like boredom, loneliness, arguments or frustrations. Every time you develop such feelings, the only retrieve is to go shopping as a way of healing from the emotions. If you find comfort in food every time you are angry or moody, you are more likely to go on a shopping craze as well.

Simple Ways to Ditch Shopping Addiction

Just like gambling, alcohol and smoking addiction, shopaholics result to shopping as a quick way to feel good. Overspending closes the gap between their real self and who they want to be seen as. If you are desperate to escape compulsive buying, you still have a chance to quit the addictive behavior. Here are simple ways to kick out the “shop till you drop” habit:

Pay using cash, cheque or debit cards.

These payment options limit the amount of money you spend, unlike a credit card that allows you to spend money that you don’t own. Destroy the available credit cards or leave them at home when you go shopping. If you must own credit cards, let someone else hold the cards for you.

Prepare a shopping list.

Always carry a shopping list with estimated costs and stick to it. Also, you should take cash that is enough for the items in the shopping list. This prevents buying products that you had not budgeted for.

Bring along a non-addicted friend when shopping

If you must go shopping, bring along a trusted companion who understands your spending habits. Let the person carry your shopping list so that he or she can help you stick to it. Also, if you have credit cards, let the person hold them on your behalf.

Find a new activity.

Prepare a list of inexpensive activities that you can do to substitute going to the mall. Activities such as listening to music, exercising, jogging and learning new skills will help kill boredom and manage stress levels. Keep the list handy so that when the urge strikes, you can choose an easy-to-do activity to occupy your mind.

Avoid temptations.

Avoid visiting stores or websites that may tempt you to buy something that you do not need. Destroy all shopping catalogs, stop watching shopping channels on TV and limit the number of shopping trips to discount stores and shopping malls. Only shop when you need necessities. When visiting new cities and countries, have a budget that you should not exceed.

Get help.

Seek help as soon as you realize that you have a compulsive buying disorder, instead of waiting till you hit rock bottom. Most shopaholics ask for help when they have piled too much debt, making it impossible to seek professional help. In the absence of enough resource, you should get help from self-help and self-supporting addiction groups like Debtors Anonymous.

Although some shopaholics may take an impulse buying habit as a normal behavior, it is a serious problem just like other forms of addiction such as drug addiction and alcoholism. If ignored, shopping addiction may lead to broken homes, bankruptcy and even peculiar habits such as shoplifting. If you have a shopping addiction, seek help from family, friends, self-help groups and addiction psychologists to assist you in the recovery process.

Kostas Chiotis is an economist, and he blogs at financeblogzone.com. You can follow him on Facebook and Twitter to get more tips on how to manage your financial lives.

13: The Lucky Number?

So we’re number 13. Thirteen? We don’t know thirteen what, but there it is: spray-painted in the dirt at the end of the alley.

Every alley in the ’hood suddenly turned up with a number spray-painted at each end, in ox-blood red. No explanation from our honored city parents or the utility companies as to what’s up.

I assume this is a harbinger of more chaos: they no doubt intend to dig up the alleys and create some more mess for us.

But there’s another possible explanation: one fraught with controversy but one that, if they were to push it through, would be exceptionally good for the neighborhood.

The alleys here provide cover for the bums who are now imported every day by lightrail. The lovely train brings them up to the end of the line at the corner of Conduit of Blight Blvd and Gangbanger’s Way, where they’re all disgorged onto the street — made to get off the cars. So they stream into the nearby parking lots, where they hang out for awhile before roaming into our neighborhood. They use the alleys as their bedrooms and bathrooms. Sometime they peer over the fences by way of figuring how to burgle houses. And a few months back one of these charmers jumped a young couple’s wall and molested two small girls who were playing in their backyard.

Personally, I don’t like to take the garbage out back at all — our garbage cans are in the alley — and will not do so at night. It was OK when I had the German shepherd — once Anna stood off a weirdo when she went with me to take the trash. But these little corgis are useless that way.

After the wall-jumping episode, the City suggested we should fence off the alleys, spanning each end with gates that could be opened, using a code, by residents and by the cops and the fire department.

Naturally, nothing like that can ever be easy. Some people thought it was a good idea; others rose up in arms against it. La Maya, for example, hates the idea, because it would mean garbage and trash would have to be collected from the fronts of our houses instead of from the alleys.

Recycling is already picked up in front. For garbage, communal four-person bins are set out in the alleys, to the City’s displeasure: they want to replace the things with one-household bins to be picked up in front, because the newer garbage trucks are too large to easily navigate the narrow alleys. La Maya thinks people will make a fine mess, stacking up debris in front of their houses for the quarterly loose trash pickup.

They’re doing that over in Richistan now, and yes, it is messy in the week or two before the loose trash pickup, which only occurs about every three or four months. But by and large in a neighborhood where people take care of their homes (most people here do), it’s not a serious problem.

Obviously, blocking vagrants from adapting the alleys as their private toilets and campsites would make life a great deal better around here. And safer: one reason they’re attracted to our neighborhood is that the alleys make convenient hidden passageways for them, as well as campgrounds. And the garbage cans are an attractive nuisance. Tomorrow is garbage pickup day, so the bins are full. This morning when I took the dogs for a walk, what should I see but a seedy character burning his way up past the park, pushing his grocery cart as fast as he could go. Half-an hour later, when I came back into my part of the neighborhood, by golly, there he was in an alley, pulling junk out of one of the trash bins. He was specifically called here by the sheltered trash bins, which make it possible to scavenge for goods you can sell for drug money.

So…yeah. I really hope 13 is a lucky number this time.

Images: Deposit photos.
Transient, Photographee.eu
Trash bins: © Crisferra;

Overtreatment as Usual?

Or maybe that’s “Standard Operating Overkill”? Have you seen this eye-opener from ProPublica, “When Evidence Says No, But Doctors Say Yes“? You need to read it.

In very brief summary, the report shows — through surveys of published, peer-reviewed scientific studies — that much of the most commonly prescribed medical treatments and the most commonly performed procedures are unnecessary and unhelpful. Further, the reporters find, many doctors know this and ignore it, because the profitability of these treatments drives profitability of their own practices, and many more well-meaning doctors do not know it because they’re so busy they haven’t found time to read the research.

For example, an American study revealed:

Some of the contradicted practices possibly affect millions of people daily: Intensive medication to keep blood pressure very low in diabetic patients caused more side effects and was no better at preventing heart attacks or death than more mild treatments that allowed for a somewhat higher blood pressure. Other practices challenged by the study are less common — like the use of a genetic test to determine if a popular blood thinner is right for a particular patient — but gaining in popularity despite mounting contrary evidence. Some examples defy intuition: CPR is no more effective with rescue breathing than if chest compressions are used alone; and breast-cancer survivors who are told not to lift weights with swollen limbs actually should lift weights, because it improves their symptoms.

Australian researchers, in a government-funded study there, identified “156 active medical practices that are probably unsafe or ineffective.”

Many of these involve procedures that are presented to doctors and to patients as indispensably life-saving: stents in stable heart patients have been shown to prevent no heart attacks and to save no lives. That’s correct: zero (0). Beta blockers as treatment for high blood pressure turn out to have little effect on stroke and do not significantly reduce mortality or coronary heart disease. Indeed, one such drug, atenolol, resulted in greater frequency of stroke.

Knee surgery for a torn meniscus is routinely performed on countless people who experience little or no benefit from the procedure.

It’s a wide-ranging article, and I can’t regurgitate it all here. You really need to look at it. Especially have a look at the chart that, by way of explaining what the relative numbers of people who are helped, not helped, and harmed, shows in eye-popping clarity the efficacy and relative risk of swallowing a sleep aid. It’s about 3/4 of the way through the article.

Y’know, the women on my mother’s side of the family — ones who grew up in the late 1800s, when medicine was more risk than benefit — were Christian Scientists. My mother and I thought they were crazy (and truly there’s no escaping Mary Baker Eddy’s looniness!). But sometimes one wonders.

My great-grandmother and my great-aunt both lived into their mid-90s, and they never saw a doctor. Never took pills, never had surgical procedures. They were both active and healthy right up to their last days.

Like Mormons, they didn’t drink alcohol or caffeine. They did not smoke. They ate exceptionally well: whole foods with lots of fresh vegetable, fruits, and meats, cooked at home by my great-grandmother, who was supported by my great-aunt. They lived in Berkeley, about halfway down a hill. At the top of this hill, next to the tunnel through which the commuter train to San Francisco passed, was a neighborhood grocery store.

Two or three times a week, my great-grandmother would walk up to this store, dragging what we call a “granny cart” behind her. She would fill it with groceries and roll it back down the hill. She did all the housework, which in those days entailed some pretty vigorous scrubbing. She hung the laundry on a line in the backyard, and she did all the ironing.

Every morning, five days a week, my great-aunt walked up the same hill, caught the train into San Francisco, got out at the station, and walked across town to the bank where she worked.

So…what we have here are a) temperance, b) regular mild exercise; c) whole foods. And d) no pills, no drugs, no procedures, no doctors.

One could argue that d) follows naturally from a), b), and c)…but of course we do know that people get hurt and that any number of ailments may afflict us no matter how righteous we are. My grandmother died of uterine cancer; she delayed going to a doctor until she could stand it no longer, at which point the man told her (vindictively, IMHO) that if he’d seen her three months earlier he could have saved her life.

On the other hand…my grandmother was a wild hare: she indeed did smoke and drink, and she was (from what I’m told) sexually promiscuous. On her deathbed, she told my mother that she believed the agony she was going through was God’s punishment for all the abortions she’d had.

So…well…maybe not God. But yeah…maybe risky behavior hath its rewards. As it were.

The point here is that you need to be careful about what treatments doctors foist on you. Do your research. When a doctor says you have this or that ailment and you must swallow this or that drug or subject yourself to this or that test or surgery, find out for sure whether that’s true. Learn the right questions to ask, and learn what the answers actually mean. And always get a second opinion.

And clean up your act. As the ProPublica report notes:

The health problems that most commonly afflict the American public are largely driven by lifestyle habits—smoking, poor nutrition, and lack of physical activity, among others. In November, a team led by researchers at Massachusetts General Hospital pooled data from tens of thousands of people in four separate health studies from 1987 to 2008. They found that simple, moderate lifestyle changes dramatically reduced the risk of heart disease, the most prolific killer in the country, responsible for one in every four deaths. People deemed at high familial risk of heart disease cut their risk in half if they satisfied three of the following four criteria: didn’t smoke (even if they smoked in the past); weren’t obese (although they could be overweight); exercised once a week; ate more real food and less processed food. Fitting even two of those categories still substantially decreased risk. In August, a report issued by the International Agency for Research on Cancer concluded that obesity is now linked to an extraordinary variety of cancers, from thyroids and ovaries to livers and colons. [My emphasis.]

Ahem. And so, away…it’s off to pump up the bicycle tires and cruise the ‘hood.

 

How to Destroy a Hard Drive…and Dispose of It

Murder most foul!

So I’m thrashing around here trying to figure out whether to take this busted, brand-new hard drive back to Costco or whether…not. And if not…then what?

The Seagate external drive broke when I dropped it on the tile floor. Neither Mac and “see” it… So does that mean no one can see it?

No. A quick Google search suggests it’s not very hard for someone who knows what he’s doing to retrieve data from a broken external drive. And since Time Machine copied EVERYTHING from the MacBook onto the thing, I think I do not want to rely on a Costco clerk to disable this thing once and for all.

The accepted way to destroy a hard drive, internal or external, is to bash it with a hammer. Apparently even that is not 100% sure-fire. Dropping the busted-up drive into the garbage or the recycling bin doesn’t look like the best of all possible ideas.

I thought of soaking it in a dish of cooking oil, which would gum up the works nicely. But if bashing it isn’t fool-proof, would safflower oil be any better? 😀

How on earth to get rid of it? Finally a thought dawns on me:

This house is sitting on a quarter of an acre of land!

Duh! Bust it up as best as possible with a hammer, and then bury the remains in some random spot in the dirt.

By the time anybody digs up the yard and stumbles across this artifact, I will be dead. So will the artifact: it’ll be so far out of date no existing hardware will read it. And even if some antique computer is still running, by then the inside of the hammered hard drive will be stuffed with so much mud and dirt that no one will want to chance trying to decode it.

How convenient that it’s been raining…

So I bashed the bejayzus out of the thing with a hammer, dug a hole in the ground, dropped the remains in, and neatly covered it up with the landscaping. Within a few days, even I won’t remember where it is. And dollars to donuts, within a couple of months whatever might remain on it will be unreadable even by the NSA.

Gravedigger: DepositPhotos, © kevron2002

Travel Insurance: Don’t go without it

Forget something?

The other day at the Scottsdale Business Association, we were chatting with our friend and co-conspirator Jerry Rose, who founded a high-end travel agency in Scottsdale and, in due time, sold it to Frosch Travel. He lives on as the Scottsdale shop’s manager. The subject of travel insurance came up.

He says he personally would not travel without it – and he travels a lot. It’s so important, in fact, that his company now requires customers either to take out a policy or to sign a waiver stating that you were offered the opportunity and declined.

If you fall ill or are hurt in a foreign country, on a cruise ship, or in transit, travel insurance coverage can be a lifesaver – literally and metaphorically. Not just for you, but for your family and your traveling companions.

Jerry recently had an experience that proved the truth of this, while he was on a European cruise. Says he: “My travel companion had a cardiac infarction while we were on board. He had to be taken off the ship in Germany as we were on the way to Russia. He hospitalized for five days. The insurance paid for all his hospitalization and put up his wife-to-be in a hotel for five or six days. They got her a cell phone, and they accommodated the couple when they had to reroute home from Berlin instead of from Stockholm, where the trip ended.”

Not all policies do all things for all people. As with any insurance, providers may set a various standard exclusions, such as pre-existing mental illness, alcohol-related injuries, harm from participating in high-risk, extreme sports, and injuries or death sustained in adventure travel. Understanding your travel insurance policy is key to satisfaction and appropriate coverage.

Your travel agency or insurance provider should give you a detailed written description of available plans and what they cover. Check out this PDF for a typical range of coverage: TravelInsurance Jerry advises travelers to study the offerings carefully and select the policy that best addresses your concerns.

Some policies are rather limited, and some cover a full range of issues – baggage loss, delays in transit, and more. For example, one of Jerry’s recent clients died while traveling with his wife and two other couples in Cambodia. Fortunately, he and his wife had purchased a top of the line policy. The insurance company handled the paperwork, translation to English, and all the arrangements to transport him back home. All three couples had purchased policies, and all three had arranged for trip interruption insurance. Because they were all traveling together, they were all able to accompany the widow home, with their costs covered.

These kinds of policies, of course, are expensive – Frosch caters to a high-end clientele. I asked Jerry what he regards as the minimum level of coverage. He said the bare minimum would be coverage of costs for the nonfundable parts of your trip.

Baggage coverage would also seem to be pretty much indispensable. Another client took a trip in which she never did get her luggage. “It was shipped all over the world,” Jerry says, “but it never got to her. She arrived in Europe and had no clothes.”

Don’t neglect this crucial aspect of modern-day travel. When a guy who’s been in the travel business for upwards of 30 years says he wouldn’t travel without it, he’s tryin’ to tell you something.

Image: DepositPhotos, © peshkova