Coffee heat rising

A New Trend We Could Do Without

In this week’s round-up, 101 Centavos comments on the nasty diatribes recently promulgated at not one but two PF blogsites, Financial Uproar and Control Your Cash. I’ll refrain from dignifying these bullies with links, but if you’d like to read the offending posts, Centavos does link to them in the current Monday Morning Fish Wrap.

Financial Uproar proprietor Nelson is offended because he feels Finance Fox’s often derivative style amounts to plagiarism. What sets him off is a series of poorly done paraphrases that lack links back to their apparent sources. He works himself up into a fine state of high dudgeon, growing nastier and nastier as he gets more excited.

Much of the resulting rant is unjustified: you can’t copyright an idea, and so unless the person has lifted a very distinctive, original concept, simply rehashing the same thought is not really plagiarism. In the case of the passage Nelson thinks Finance Fox plagiarized from Financial Uproar, the accusation is specious: the allegedly lifted idea that you can have fun without spending money is so commonplace as to be an eye-glazer. Here in Editorland, we call that a cliché. If you’re going to spew clichés, you can’t be surprised when you run across the same clichés somewhere else. That something is commonplace is what makes it a cliché.

The name-calling rant is graceless and uncalled-for — to say nothing of potentially actionable. It makes for an unpleasant read, and it reflects as badly on its author as it does on its target. Actually, IMHO, it reflects worse on the classless author than on the victim.

However, in the Classless Department, Control Your Cash easily outclasses Nelson. Spewing mean-minded epithets, this site’s proprietor, one Betty Kincaid, slavers on and on and interminably on about an obscure blog called Plunged in Debt. Why? Well, she doesn’t like it that the site’s author, Catherine, went deep into hock to get a degree in biology (a subject Ms. Kincaid, a real estate lady, believes is worthless, evidently never having heard the term “pre-med”) (yes, I do use the word “lady” in a deprecating way here…wanna make something of it?). Nor, speaking of PC Nazism, does she like it that Catherine uses “hubby” as an affectionate sobriquet for her husband.

Having set up the flimsiest of all possible straw men, Ms. Kincaid proceeds to waste 1,724 words in tearing it down.

Her endless rant gets nastier and meaner and more pointless as  it rambles on. One wonders if its author has had her rabies shot.

Then, as if to add further annoyance to this tedious exercise, she wraps it up with a plug for her own self-published book!

LOL! How cheesy can you get?

It is entirely true, as Mochimac has observed, that the PF blogosphere has pretty much run out of things to say. There are, after all, only so many ways one can repeat things like “get a job,” “get out of debt and stay out of debt,” “work hard,” “have a budget,” “live frugally,” “prepare for the unexpected,” and “save for retirement.” Those things have now been said in as many ways as it is possible to say them, thank you.

Those of us who wish to keep blogging in perpetuity do need to find some new subject matter. But thuggery is not that subject matter. This kind of behavior is nothing more nor less than mean-minded bullying. It’s not useful and it’s not funny. It’s just plain abuse.

Who needs it?

The Identity Thief at the Doorstep

So I’m wending my way to physical therapy through the neighborhood when I stop at the stop sign at the corner of Picturesque Lane and North Feeder Street. The garage for the house at on the southeast corner of Picturesque and North Feeder flanks the living quarters, so that there’s no windows on the west side.

The homeowners leave their big plastic garbage bin and their big plastic recycling bin in the front yard on that side of the property, out of their sight and mind…but not out of anyone else’s.

A garbage scavenger — putatively — had dropped his bicycle on its side, along with the wire crate he’d fashioned into a bike “trailer” for carrying salable junk. He was going through the recycling barrel…and he wasn’t look for tin cans.

The blue barrel was chuckablock full of loose papers. As I paused at the intersection, I could see that he was leafing through pages, looking at them closely. Obviously, he was searching not for metal he could sell but for data he could sell.

shredder_F’r cryin’ out loud, folks!  Don’t toss intact personal and financial papers in the trash! Grind them up! Dumpster diving is a major source of riches for identity thieves.

A shredder just isn’t that expensive. It sure costs less than an identity theft, which can haunt you for years.

 

Watch Television? Why?

Channel 3: Inside some prison, Asian guys sweat. “You can run, but you can’t hide!” {yawn}

Channel 5: YoPlait ad: “It is so good!” Well. No.

Channel 8-1: Some woman singing some syrupy song. PBS is in the throes of another of its interminable beg-a-thons; apparently they think this sort of thing stimulates the well-heeled to cough up money.

Channel 8-2: Some nerd is going on about the glories of broccoli. OMG! Broccoli is a natural food!!!! Moving on.

Channel 8-3: Another nerdly looking fellow is going on about some physical or mental ailment “JOIN OR RENEW ONLINE 480-965-8800″…ah…it’s one of the current fad ailments. Give me a break.

Channel 8-4: Treacly lite classical Muzak with slideshow of stills.

Channel 10: Ad for American Idol (how much longer is that thing going to last??). Ad for TMZ. Ad for AAA. Ad for…

Channel 12: Ad for Microsoft. Very expensive-looking ad for Microsoft. Really? Excruciating.

Channel 15: “I’m very aware of what 3XK is capable of, Detective Tyson!” (…apparently, of extreme, graphic, and intensely boring violence…)

Channel…OFF!

Is there anything on? Anywhere?? Apparently not on the public airwaves.

In other precincts, one of my clients is selling one of her e-books bundled in with a package of diet and health-care books: 53 e-books, an $800 value, retail, for only $39.97. You need to move quickly, though, because this offer ends on Thursday. Check it out!

Check out her new book on cooking with coconut flour, too.

Meanwhile, Funny’s beloved Web Wrangler, Jesse Michelson, has launched a new blog called AntiNecktie, a paean to freedom from the hamster wheel. He reports that last year was not a junket through the Best of All Possible Worlds, but apparently things are looking up.

Hufflepup works hard at training the humans. Refractory critters, but over time he succeeds in getting his way. 😉

At Blue Collar Workman, TB has landed a new job. Sounds pretty strenuous…but a great way to work off your frustrations before you knock off at 5:00!

Wait…what? A miracle! An airline company caught in the act of being nice to a customer! Been a while since we’ve heard a story like this one.

After the January from Hell, Evan and The Wife finally seem to be having a chance to catch their collective breath.

Money Beagle contemplates the best ways to keep bread from going stale.

I’m forwarding Nicoleandmaggie’s “Academia Is Just a Job” to all my friends! Isn’t it interesting how long it takes people on the tenure track to figure that out?

Crystal is trying to figure ways around the Dictatorship of Big Cyberbrother. Should be interesting to see how that goes.

ohhhhhhh it’s the middle of th’night! And so, to bed…

 

Evernote and the Enterprising Hacker: When Dinosaurhood Isn’t Such a Bad Thing…

ApatosaurusNice little flap going on over the Evernote hack: 50 million customers asked to reset passwords.

Evernote is a cool program, and if you used it to its fullest, a hacker could do a lot of damage. It allows you to save notes on every topic the human mind can conceive, nab e-mail pages, synch your stuff between computers, and share said stuff to Facebook, Twitter, LinkedIn, and your email. And, evidently, to share stuff with the occasional hacker.

iphonesThe Evernote app is installed on my iPad. But between the nuisance factor of having to haul a machine around everywhere you go and the never-ending learning curve — I grow more averse to climbing learning curves as I age — I’ve hardly used it…just put a few grocery notes in there, and that’s about it.

Minimal use notwithstanding, the latest flap spurred me to change the password, even though I haven’t even looked at the program in months. This required me to dig out the coded hard-copy list of passwords, hidden under stacks of debris in the office, and then try to figure out which dummy e-mail account I used to deflect the nuisance messages one expects to get from outfits that demand an e-mail address, go to another list to find and decode the password for that, get into G-mail to click on the link Evernote sent to that account, then jump through the hoops to change the password. And then click “deactivate account.” ’Bye!

I find trying to type on the iPad to be exceptionally nuisancey. My fingertips apparently don’t generate whatever static electric charge is needed to make the iPad register my presence, and so I have to tap over and over and over or else dig out the stylus thing to make it work; then you have to keep shifting keyboard “views,” as it were, to get numbers and punctuation. Who on earth has time for that? Translate that time-consumption to a broad note-taking & communication program and…well. 🙄

Soon after I’d installed the Evernote app, it dawned on me that a notepad and a pencil magneted to the fridge are a lot faster and a lot easier and one heckuva lot more convenient than poking messages, character by character, into an iPad. And it’s a heckuva lot easier to tear a shopping list off the notepad and stick it in your pocket than it is to haul a tiny computer to the grocery store and fiddle with an app to see what you need to buy this week.

At least, it is for a dinosaur.

And if somebody steals your scrap of paper, at least the thief doesn’t have the secret codes to half-a-dozen other applications, some of them a great deal more private than a grocery list.

Images:
Funny in her callow youth: Public domain.
Original iPhone 8GB, iPhone 3GS 16GB and iPhone Purple 800 32GB: Yutaka Tsutano. Creative Commons Attribution 2.0 Generic license.

I Bought 80 Onions!

Onion_on_White Prices for onions have come down to a mere 88 cents a pound — that would be 5.5 cents an ounce. You can get them cheaper if you buy them in bags, but that invariably means you end up with at least one that’s spoiled, pushing the price per onion right back up to what it would have cost if you’d selected them carefully, one by one.

I don’t buy large onions, because I usually can’t use a whole one and end up sticking half of it into the fridge, where it eventually dissolves into onion mush. Weighed the small onion I picked up at the Safeway a couple days ago: 12 ounces. That little brown onion cost me 66 cents. A large one would have cost pretty close to a buck. And that, IMHO, is ridiculous.

So I bought 80 of them.

Well. Not exactly of them. 🙂 At Lowe’s the other day, after I’d made my way into the store around the blacktop-roaming pedestrian, I ambled past the nursery’s bulb display and spotted, lo! The last bag of white onion sets. Cost: $1.93 for 80 little onion bulbs.

{Grab!}

So yesterday while I was having another gardening frenzy, I planted them all in the newly enlarged and compost-enriched watering rings around an orange tree and a backyard rose. The package instructions said you could plant them just an inch apart, so in theory you could plant quite a few of them in a good-sized pot.

We’ll see if they grow. If not, little ventured: $1.93 isn’t going to break me up in business. But if they do turn into onions, I’ll have enough to give to all my friends — at two cents apiece!

P1020081

Image: Yellow onion. © User:Colin / Wikimedia Commons / CC-BY-SA-3.0.

Dads: How to Be a Thrifty Role Model

A visiting author’s post by Liam Garcia

These days, fathers are more notorious for being “cheap” than “thrifty.” Too often, mothers are perceived as the money-savers in the home. They coupon, shop during sales, and manage the pocketbook. They even work on DIY projects and home decorating on a budget.

Fathers have a rep (maybe fostered by the distorted images shown in prime-time TV cartoon shows) for advising their children to wear the same clothes for five years and constantly keep the thermostat at 80 degrees, regardless of the weather. But Dad’s stinginess can actually save some money in the long-run.

Listed below are some additional money saving tips for fathers. The next time one of your kids criticizes you for being cheap, just tell them you learned it from a blog.

Be a Fixer-Upper

Your wife might be an expert at DIY crafts and other projects thanks to Pinterest, but you can be your own DIY professional. Popular Mechanics, that old standby of our fathers and grandfathers, has an online presence with step-by-step how-to’s for all sorts of home improvement projects. And for larger projects, Sunset magazine has a seemingly endless series of home improvement and repair guides; these short paperback books are available in libraries, bookstores and at the big-box home improvement stores. On a lighter side, you have blogs such as The Art of Manliness, which dispense buckets of handy hints. Access “fix it” blogs and learn how to maintain your appliances, fix your air conditioner, or even change the oil in your car.

Not only will you save money for your family, you’ll pass on valuable money-saving lessons to your children.

Use Your Employer’s Incentive Programs

The easiest advice: start saving for retirement and use that 401(k)! Depending on where you work, you probably have some sort of incentive program. Some employers implement a “pay for performance” reward system, while others offer corporate memberships.

However your company chooses to reward you, take the rewards and save them. Buy stock in your company, if you desire.

Go Green, Save Green

SpaceHeaterYou can decrease your utility bills significantly by buying energy-efficient appliances. Use power strips in your home for your electronics and always turn the strips off when you aren’t using them. This is referred to as “vampire power,” because it “sucks the life” out of your bill.

Save on your water bill by installing a low-flow shower head or toilet. Plug-in space heaters work well to warm a single room, if only one person is at home or if everyone can be persuaded to hang out in one or two rooms. Similarly, if you live in a warm climate, consider installing window or wall air conditioners to cool the bedrooms, rather than running an expensive central air-conditioning unit to chill the whole house while people are sleeping.

Save on gas and carpool or ride the bus to work; if you live close enough to your job, try biking or walking there.

Hold On To Your Change

I can still remember my fascination with my father’s change jar as a little boy. We would watch it accumulate pennies and count the days until we could go cash it all in. It was fun for my siblings and me.

Today many people simply toss out pennies, because they seem so useless and because converting them into manageable cash at one of those Coinstar machines will cost you 8.9%, an exorbitant rip just to use your own money. Some banks, also, charge you to deposit coins. There are ways, however, to get around these obstacles: check out this article at Yahoo for clues to low-cost or no-cost ways to convert your change to bills, and at Bargaineering, Melissa Batai suggests a few more ideas, and readers add some more.

It may seem like the most literal translation of “penny pinching,” but it can actually benefit you when it comes to vacations and sticky situations.

Cancel the Unnecessary

If you have Netflix, you have no need for cable television. At YouTube, you can even watch full-length classic movies and TV shows for free: search for the movie’s title + “full length.” Instead of watching television shows on your TV, watch them on your laptop. Every network has its shows available (with ads) on their website. If you absolutely must have cable, subscribe to the cheapest package. You’ll probably still get an “on demand” feature even with the smallest package. When it’s time to start looking for a replacement laptop, test an ultrabook rel=”nofollow”. They have the same makeup, but are cheaper and more durable. That way, instead of one laptop, you can buy 2 or 3 ultrabooks for the family.

The Kids Are Watching

When children grow up in a household where both parents practice thrifty habits and demonstrate self-sufficiency, they learn those habits themselves. Not only will you be saving enough to help put them through college and keep yourself out of their hair when you hit old age, you’ll be teaching them healthy and wise ways to cope with their own finances as they reach adulthood.

Liam is a writer for TipsOnHowToSaveMoney.com.