Coffee heat rising

Safeway’s Got a Meat Sale

Just came back from the Safeway. They have incredibly gorgeous 7-bone chuck roasts on sale for $1.57 a pound!

Glorioski!!

Don’t know if this is nationwide or just local to the Phoenix area. Might be worth checking, though, if there’s a Safeway on your way while you’re out and about today.

I had mine ground into hamburger, which is my preferred way of serving up chuck. It makes THE best burger, and when you have the butcher grind it for you, at least you know roughly where it came from. Have them give you the bones to simmer with some onion, celery, carrots, and herbs to make an awesome beef broth.

The Burglar Jamboree: Nine Ways to Protect Yourself

Yesterday at four o’clock in the morning La Bethulia was awakened by a knock on the front door. A cop was standing out there, inside the courtyard. When she opened the door to him, he said, “I think we have something of yours.”

And thereon hangs quite a tale.

As it develops, the entire neighborhood was targeted by a band of burglars last night. One of them entered La Maya and La Bethulia’s courtyard and stole a small, slick piece of a table, apparently to use as a tool in burglarizing their neighbor’s house.

Meanwhile, the Next-Door Neighbor Husband awoke some time before 4:00 and walked out to the kitchen to get a drink of water. As he went toward the front of the house, he noticed the lights were on in his car, which he’d parked in the driveway. Looking out through a window, what should he see but a guy methodically going through the vehicle, stealing everything that wasn’t red-hot or nailed down and neatly stacking it all in a box.

Rather than confront the creep or try to scare him off, he called 911.

The 911 dispatcher told him that all the cops in our area were occupied, dealing with other burglaries in progress in the neighborhood! They sent a squad car that was, at the time, clear over on the east side. It took about a quarter of an hour for this crew to arrive.

While the cops were in transit, Perp strolled across the street and broke into another car, having carried all the loot from Neighbor Husband’s car around the corner to his accomplice, who was waiting in the getaway car. The neighbors watched as he looted that vehicle, too.

Eventually the police arrived. They trapped and caught the perp, but the guy in the getaway car escaped, taking with him everything his pal had taken out of Neighbor Husband’s car, including about $700 worth of stereo equipment. The officers did retrieve the piece of junk Perp had lifted from La Bethulia and La Maya’s yard.

Perp, it develops, has quite the rap sheet. He and his colleagues live next-door to each other, apparently in a colony of felons. They targeted our neighborhood last night, spreading out to raid the properties that interested them most.

Fortunately, they didn’t enter Neighbor Couple’s or La Bethulia & La Maya’s homes. But as you can imagine, the women were pretty creeped out, realizing the perp had been right outside the vast and vulnerable banks of French doors and windows that look out onto the enclosed courtyard. La Bethulia attempted to repair the lock to the courtyard door before she left for work, succeeding only in jamming the mechanism. So now that will have to be fixed, presumably by a locksmith.

What does this mean for us bystanders? Knowing that our homes are targeted now or one day will be targeted, what can we do to defend ourselves?

First and most obvious: don’t park your car on the street. Clean out the garage and park your cars inside.

If you live someplace where you have to park on the street, for heaven’s sake don’t leave any valuables in the car. And don’t equip your car with expensive electronic equipment!

If you have to park your car outside, drive a junker.

Perp didn’t touch the aging Toyota La Bethulia had left in the driveway. She bought her daughter’s car recently, when Daughter moved to Hawai’i, and she hasn’t had time to sell it. So the decrepit car was sitting right under Perp’s nose. With richer pickings nearby, Perp left the pile of junk unmolested.

Lock your doors and windows at night.

Alarm your doors and windows.

If you don’t have a burglar alarm system (they’re expensive and a nuisance…some of us do without them), you can get small, unobtrusive alarms that emit an ear-splitting squeal when their magnetic connection is broken. They’re very cheap and very easy to install—they run on small batteries and require no wiring. I bought a package of ten at Costco, and found they work on screen doors as well as regular entry doors and windows. So I’ve got one on the sliding screen for the Arcadia door and one on the security door in front. Security doors are easy to break into…but won’t Perp be surprised when he takes a crowbar to that thing!

Amazon sells them in packs of four as Mini Door & Window Contact Alarms rel=”nofollow”. I think they’re well worth the low cost. Fifteen bucks is sure cheaper than whatever a burglary might cost you.

Don’t own a lot of expensive junk.

This basic tenet of the frugalist works nicely to frustrate burglars. SDXB was visited by burglars the night he moved into his house around the corner from me. Foolishly, we remarked that he could stay at my house that night, since his house was chaos…and we made that remark in front of the moving men. Equally foolishly, he had an NRA sticker on his truck, advertising his interest in guns. That night “someone” came through the only door that didn’t have a deadbolt on it (interestingly, they didn’t try any of the other doors or windows) and went through all his boxes looking for weapons. He had stored his guns elsewhere during the move, but they took a collector’s bow and all the knives and machetes he’d collected during his military travels. The bow was the only thing that really mattered…otherwise, his possessions came from thrift stores. Poor guys—they made a wasted trip.

Don’t put an NRA sticker on your vehicle.

This is a big red flag that says “I have a gun in my house.” Thieves are attracted to guns as flies to molasses.

Lock weapons, cash, negotiable instruments, and jewelry in a safe.

Gun safes are expensive, but your investment in arms also represents a big expense. More to the point, though, no lawful gun owner wants to contemplate having his weapons used in a crime or shipped across the Mexican border to be used in that country’s drug wars.

Be sure your safe is bolted to the floor.

Insure your home and its contents.

If you do own anything of value, get a rider to cover it. While a rider does add a small amount to your homeowner’s policy, if you have to make a claim, you’ll be glad you planned ahead.

Don’t even think a dog is going to protect your property or you from a burglar or home invader.

Though I had one German shepherd that chased off a home invader, that is not what dogs normally do. If you’re not home, it’s pretty easy to make nice to the dog. If it’s a protective or mean dog, all the burglar has to do is shoot it.

In our part of the country, burglars are given to tossing poison over the fence where targeted homes have a large dog. A day or two after the dog is out of the way, they come visiting again.

Rely on locks, alarms, and common sense instead. They’re a lot more reliable, and it’s fairer to the dog.

Blissful fantasies, early-morning daydreams

Some people have enough courage to follow their bliss: we all remember when Mary of Simply Forties sold her house and all her belongings in Texas and took off for a gig as a caretaker for a gorgeous farm in Virginia. Another woman blogger is up to something similar: she chucked the day job, found ways to earn by working out of her home, and has taken off for the Ozarks, where she dreams of finding a house and building a home, never to have to plod off to the salt mines again.

If I were brave enough to do that, well… I’d want to live here:

Yesh. “Here” is a little house in Langue d’Oc, in the south of France.

It’s $202,877. Not totally unaffordable if I could get my price for my house. At 180 square meters it’s larger than what I’m living in, so there’d be a fair amount of space to furnish… What’s living with packing crates if you’re living in the south of France, anyway? If you’re interested in joining this daydream, you can convert square meters to square feet here and euros to dollars here.

Frugal Scholar has been looking in to this sort of shenanigan. She just reviewed Kathleen Peddicord’s How to Retire Overseas and has come to the conclusion that an American could live in Langue d’Oc for $1,495 a month…including $650/month for rent. That is significantly less than it’s costing me to live in my paid-off house in a place where summer temperatures regularly reach 115 and sometimes go as high as 120 degrees.

I wonder if the French will allow me to bring Cassie into their country?

About 95% of the properties under $400,000 are nothing I’d want to live in. In the four hundred grand range, there are some beauties. If I had only a half-million to drop, I guess I could force myself to live here. Blogger friends could come and rent the second house for their vacations. One might not suffer too much in this place, or here, or here. If you’d like to try to earn a living while you’re semi-retired in the south of France, for only $445,625 you could pick up a B&B. Not bad, compared to the cool million the inn owner in Flagstaff proposed when I inquired about buying his B&B.

All out of the question, of course. But…be patient, mes amies. Drop into the under-$300,000 range,  and you can live in a former winegrower’s cave, renovated into an interesting village house. Or picture this place with a little less clutter on the inside—it’s only slightly beyond in my price range

Assuming I could sell my house for what Zillow says it’s worth, this one is eminently affordable. And for the price, I could move here and have enough left to finance the move and buy furniture in France.

Or here…

Don’t you love the bathroom?

Je t’adore!

Charmante, except for the ladder-like staircase.

Wouldn’t it be loverly?

It’s fun to daydream, but you have to snap back to reality sooner or later. For one thing, there’s the matter of French taxes. Their system is even more byzantine than ours, from what I can tell. Apparently they may not double-tax your federal pension—i.e., Social Security, on which you’re already paying a hefty tax in the U.S. But they do charge a stiff tax on dividend income. So that would mean you’d pay two taxes on income from your retirement savings, one in the U.S. and one in France. Assuming your expenses really were limited to $1,495 a month, that might be all you could afford.

Medicare doesn’t pay for healthcare outside the country, and so you’d have to buy into France’s medical system…who knows how much that would cost? The French healthcare system is suffering in the global recession; among other things, some hospitals in the provinces have been shuttered, making access to an ER or a doctor even more problematic there than it is here.

For some folks, the language difference could pose a problem; I majored in French so could probably adapt quick enough. However, living in France is not the same as living in the United States; there are some major cultural differences that could require some serious psychological, social, and financial adjustment.

Starts to make the Ozarks look pretty good, eh?

Internet Shopping: When Is It Worth Paying Postage?

This morning I noticed that the little black base on the beloved Osterizer blender is cracked through.

I use this appliance every single day to whip up my favorite ice-cold breakfast drink, frozen strawberries whipped into orange juice.

{moan!} So now on top of all the other budget-busters I’ve gotta buy a new blender? Not that they’re so expensive: recently Costco had them for around $20 or $25. But after the AC repair, the new thermostat, the dog agility training fee, the pool equipment repair, and the expected astronomical power and water bills, I don’t happen to have $20 or $25 laying around.

You can buy blender parts separately. Lo, you can even find them on Amazon! Yea, verily, here’s the gadget itself. They want six bucks for it. Not bad…if asked, I’d guess it was worth about four dollars. Problem is, they want another $5.00 to ship it, for a total of $11.00!

It is eligible for free shipping, but that would require one to spend a total of $25. Setting aside the fact that I can’t afford $25 right this minute, there’s really nothing that I want that would rack up a $25 bill at Amazon. Don’t need anything. Don’t want anything.

Amazon is trying to get $44 for a new Osterizer. Ugh. I should’ve bought the $25 number when I spotted it at Costco!

So, absent a shopping trip through 110-degree heat, even $11 would be lots cheaper than ordering a new unit.

It frosts my cookies, though. How can I count the ways I resent having to spend eleven bucks for a four-dollar piece of plastic?

Well, I’ve got to buy gas anyway. While I’m out I’ll trudge through the Target and the Costco in search of a cheaper model. Even if one surfaces, though, we’re looking at spending $30 or so (by the time the 10% tax is tacked on) because a $4 part crapped out.

What think you, dear reader?

Better to pay $11 to replace an inexpensive piece of plastic?

Or…better to pony up $25 or $30 for a brand-new unit with a shiny new motor and advertised ice-crushing capacity?

Or…or…better to break out the mortar and pestle?

Festival of Frugality

Hurrah! It's time for the 237th Festival of Frugality! With the Fourth of July just past, we're going with an Independence Day theme.Americans are good at beating the odds. Our country was founded 235 years ago with a war in which the colonists were outmatched by the greatest naval force on the planet. Young men who had never been away from home came up against seasoned British troops and German mercenaries under career officers.Today many of us feel the odds against America are pretty high again. With the official unemployment rate stuck at almost 10 percent and the real under- and unemployment rate closer to 20 percent, our country engaged in a war we are unlikely to win (if the situation even allows such a thing as "winning"), widespread debt among our citizens, state economies on the verge of collapse, the federal deficit soaring, and one in every 400 homes going into foreclosure just last month, Americans face daunting challenges. But individuals, families, and communities around the country are rising to those challenges, as they did 1776. In this festival, bloggers report on developments in the revolution against debt, waste, and economic oppression.Editor's choices are flagged with little red hearts: ♥Getting fired up at the Boston Tea Party

Recruiting the Troops

Ryan
Cash Money Life
How to Find and Hire Reliable Contractors
Here’s a nice set of tips on dealing with repairmen and small contractors. As a bonus, Ryan includes a promo code for 15% off an Angie’s List membership.

Washington and Lafayette at Valley Forge

Living off the Land: Frugal Survival in the Field

Sun
Sun’s Financial Diary
Know When to Buy What
Do you save by stocking up on produce in season? Here’s a guide to the seasons of sales.

Penny
Penniless Parenting
The Protein Myth
Discussion of the various sources of dietary protein and their quality.

MoneyedUP
Healthy Cooking on a Budget
Three frugal approaches to dining in

June Tree, Guest post author
The Digerati Life
How to Buy Organic Food and Eat Well for Less Money
Several useful tips for shifting your buying toward organic and still staying on budget

PT
PT Money
10 Places to Get WiFi for Free
PT reports that all Starbucks are now offering free WiFi and then adds another nine connections for the peripatetic computerist.

Wren Caulfield
True Adventures in Money Hacking
Money-saving Laundry Tips: Quick Tips for Saving Your Cash and Your Clothes
Wren points out that several frugal laundry strategies actually save wear and tear on clothing as well as on water, energy, and laundry supplies.

Common Sense, by Thomas Paine
Common Sense, by Thomas Paine

Keeping Up Morale

Donna Freedman
Surviving and Thriving
14 Insanely Cheap Ways to Have Fun This Summer
A pile of ideas for frugal summer recreation—add yours in the comments!

Paul Williams
Provident Planning
The Boredom Buster: Using Variety to Break Up the Monotony
Know what a dorodango ball is? Neither did I, till I came across it here and had to look it up. Paul suggests a nifty collaborative strategy for breaking out of the rut.

Bucksome
Bucksome Boomer’s Journey to Retirement
The Old Days Weren’t Frugal by Choice
A look back at the realities our parents and grandparents knew

Battle of Yorktown

Battle Plans: Strategizing to Win Fiscal Freedom

Neal Frankle
Debt Pilgrim
How Much Can I Afford for a House? A Checklist
This unprepossessing title disguises some very savvy advice. If you’re thinking about buying a house—or even vaguely daydreaming of one—don’t miss this article.

Jason
Live Real, Now
Be Prepared or Be Me
Take the benefit of advice from Jason’s experience!

FMF
Free Money Finance
Saving Money on Groceries by Keeping Track of Prices
FMF describes the habit of keeping a price book, and ponders its uses.

J. Money
Budgets Are Sexy
Increase Your Savings with Every Raise You Get
A plan for fighting lifestyle inflation

Reasonable
Richly Reasonable
The GREAT Coupon Experiment: Week 5—The End
Reasonable decides to test the hypothesis that couponing saves cash with hard science.

Crystal
Budgeting in the Fun Stuff
The Cost of the First Year of Homeownership
Largely by dint of luck and the generosity of friends and relatives, BFS keeps a grip on the potentially amazing cost of the first year in a house.

Washington at the Battle of Princeton

On the Frugal Battlefield: Going Hand-to-hand with Spending and Debt

Christian Treitler
Money Obedience
How to Really Save Money When You Spend It
Christian sets himself a goal to actually put money saved by purchasing goods on sale into a real-world savings account.

Jim
Wanderlust Journey
Checked Baggage Fees List
If you travel by air, bookmark this post! Jim first clues us to airlines that give you one checked bag free; then provides a list of baggage fees by airline.

a.b.
Modern Tightwad
Can’t No-Poo? Try Alterna-poo: Aloe Vera
Now this is an interesting discovery!

Donna Freedman
Surviving and Thriving
Don’t Hate the Payer, Hate the Game
Donna hits readers’ hot button with some observations about the way grocery checkout works.

Leave Debt Behind
Want to Erase Credit Card Debts? Pay More Often
Recommends a strategy of frequent micropayments to clear debt off your books.

Tool Guy
Home Tool Review
How to Frugally Stock Your Home Toolbox
Wise suggestions for new homeowners and young people just starting out in their first apartment

Dawn
Frugal for Life
Home Remedies for Stinky Feet and Shoes
Dawn gets her readers talking when she posts a slew of strategies for de-stinking musty feet and shoes!

Go Banking Rates, guest post author
Well-Heeled Blog
Guilty Financial Pleasure: Keep Your Hobby on a Budget and Make Money from It
Managing a hobby in hard times

Kristina
Dinks Finance
My Insurance Nightmare
In search of an insurance quote for a new car, Kristina gets asked some amazingly personal questions.

Squirrelers
Take a Bite Out of Your Food Expenses
How much, really, do you save by eating in instead of out? The answer may surprise even confirmed home cooks.

Miss Thrifty
Chipped Cup or Mug? Don’t Throw It Away!
An attractive way to get some more mileage from damaged dinnerware

vh
Funny about Money
Happy Hoarder’s Handyman Hint: Frugal Junk Use
A nifty handmade paper-towel holder grows from squirreled-away junk.

Vern, Guest post author
Canadian Finance Blog
Eco-friendly Tips for Summer Cleaning on a Budget
Vern has a house-cleaning strategy!

Sun
The Sun’s Financial Diary
Great Green Convenient Ways to Clean
Sun discovers the sterling qualities of a common household product.

Ryan
Cash Money Life
Cheap Phone Calls with Magic Jack
Cheaper even than Skype!

Washington Crossing the Delaware

“We Have Met the Enemy, and He Is Us”*

Roshawn Watson
Watson Inc.
Why Is Debt Really Decreasing?
Interesting rumination on the apparent drop in US household indebtedness.

Ace
Ace of Wealth
Do You Fall for These Pricing Tricks?
What’s “anchoring”? If you don’t know, better read this post for another insight into marketing psychology.

Tim Chen
NerdWallet
5 Reasons to Avoid AMEX Blue Cash
This review of the AMEX Blue Cash card actually gives some fairly strong pro’s as well as the five cons mentioned in the post title.

Fireworks over New York City's East Village

* The immortal words of Pogo

Images

Fireworks over Washington Monument. Public domain.
Boston Tea Party. National Archives and Records Administration. Public domain.
Washington and Lafayette at Valley Forge. John Ward Dunsmore, 1907. Public domain.
Scan of the cover of Thomas Paine’s
Common Sense. 1776. Public domain.
Plan of the Battle of Yorktown. Goodrich, S. G. (1875).
A Pictorial History of the United States. Philadelphia: J. H. Butler & Co., 277.
George Washington Rallies His Troops at the Battle of Princeton. Artist unknown. Public domain.
Washington Crossing the Delaware. Emanuel Leutze. 1851. Public domain.
East Village Fireworks. David Shankbone. Creative Commons Attribution-Share Alike 3.0 Unported license.

Midnight at the Oasis…

What a spectacular night!

It’s six minutes to midnight and the Cassowary and I just came in from a late-night constitutional. Soon’s I finish this, it’s into the pool.

Weirdness in Arizona: the 90 degrees outdoors feels cooler and more comfortable than the 85 degrees inside the house. Just turned the thermostat to 78 for sleeping purposes. The unit’s banging away, cranking chilled air that does little to dispel the sense of oppressive heat inside the building. But oh, it’s lovely outdoors.

In the “good” old days, people here had sleeping porches. Those who couldn’t afford to spend the summer disporting themselves in Prescott, Flagstaff, or Payson, up in the high country, slept en plein aire, with a bit of bug screen between themselves and the  scorpions, the black widows, and the (few, in those days) mosquitoes. Burglars and rapists were not an issue.

Sometimes I think it would be worth doing: have someone come and install wrought iron fencing all along the eaves in back, with a deadbolted door or two. Then velcro some nylon bug screen to the inside. This would accomplish three things:

On a night like this, I could sleep out there on a hammock, reasonably secure against bugs and roaming madmen.

When the weather’s nice and cool, I could throw open the bedroom’s Arcadia doors and not worry about visits from passing sh**heads.

It would bring the unfenced pool back up to code. (You didn’t ask, which was wise, but since you wondered: you can substitute massively locking doors to the backyard for prison bars around the pool).

Just imagine how lovely it would be to sleep outdoors this evening, under the quiet stars! Or how sweet to sleep indoors of a winter evening, under a down comforter, with the bedroom doors full open to a 60-degree night.

Yeah!

Image: A green and red Perseid meteor striking the sky just below the Milky way. Mila. GNU Free Documentation License.