Coffee heat rising

Nail Protection: A pretty good product

Over the past few months, my fingernails have slowly slipped into the category of “blighted neighborhood.” But last Easter when I fell, it was like Hurricane Katrina meets Daughter of Snagnail. In addition to dislocating the shoulder, the fall sheared off the nail on my ring finger halfway down the quick, tearing apart the cuticle in the process.

Oh well.

A month and a half later, it’s about healed and the nail has almost grown back out. In the interim, the other nails grew even shaggier than normal, because my arm and hand hurt too much to fool with manicuring them. It was as much as I could do to occasionally massage a little shea butter into my fingers.

Late in life, one’s nails tend to split longitudinally as a natural result of aging. One of my thumbnails cracks as soon as it grows an eighth of an inch past the quick, which is annoying, not to say ugly as pussley. I’ve considered going back to acrylics, but I really don’t like that stuff. In the first place, it wrecks your natural nails—the manicurist has to rough up your nails by filing off the surface. In the second place, nothing that stinks that bad can possibly be good for your health. And in the third place, trotting in every ten days to two weeks for a fill gets expensive.

So I’ve thrashed around looking for something that I could paint on—at home, not at a salon—and have it hold my nails together through repeated dips in water and detergent and through constant batting against a keyboard. Hard as Nails has never performed impressively, to my taste. It’s your basic high-gloss nail polish, no more nor less given to chipping and peeling than any other polish, and certainly not much protection against the vagaries of housework, yardwork, and office work.

However, the outfit that makes Hard as Nails has a new product that seems to work really well: Sally Hansen Hard as Nails Hard as Wraps Nail Gel. This stuff claims to contain “acrylic gel” and nylon. Note that it’s not the same as the stuff  manicurists use to do gel nails—that product should be applied professionally, and it’s even worse on your nails than regular acrylics.

Hard as Wraps goes on the same as nail polish. However, it dries (in about the same time as regular polish) to form a tough, rather thick coating that works almost like filler, a product I haven’t found on the market in years. One coat almost fills the deep vertical groove in my thumbnail. Two coats leave the nail almost smooth, and three coats have protected that nail from splitting for a week. Even though it’s very glossy, I think you could use it as a base coat or as a top coat with your favorite colored polish. I’m leaving it clear, and it looks pretty nice. That’s saying something, given the condition my nails have taken on.

A few caveats:

It’s harder to remove than regular polish. Don’t think you’re going to wipe it off with a dab of polish remover on a scrap of tissue paper. You’ll need some good cotton balls or pads and plenty of remover, and plan to spend a few minutes at the job.

Don’t shake the bottle before applying. This will cause the product to bubble as it dries on your nails.

Remember to let each coat dry well before applying another coat. If one layer is still tacky when a second coat is applied, that also can cause bubbling.

As in applying any polish, less is better than more. Better to apply two or three thin coats than one thick coat. Glopping it on also will lead to bubbling problems, plus it won’t dry as fast.

I’m impressed, though. This Hard as Wraps product actually does protect nails from day-to-day wear and tear, the way the old Hard as Nails promised to do. It’s worth a try.

Image: French Manicure on acrylic nails. ImGz. GNU Free Documentation License.

Ten Ways to Cope with a Budget Shortfall

Susan-B.-Anthony-Dollar

Argh! I’m busted, disgusted, and can’t be trusted! By yesterday morning, my discretionary budget was $2.26 in the black, with two days to go to the end of the budget cycle. But, having stayed out of grocery stores for a good two weeks, I was running out of food. I had to make a grocery run, leaving me with about a $25 shortfall for the month.

Thank goodness today is the end of this month’s budget cycle. Tomorrow is another day. A major grocery-run day, we might add.

Even after applying $700 from savings to cover the clothes shopping frenzy, I started this month’s budget very thin. Right off the bat, a dentist’s bill sucked $232 from my $800 allowance. That would have been tolerable. But then the air-conditioning guy blindsided me with a $467 bill, blithely doing some work at the downtown house without telling me first what it would cost.

$800 – $232 – $467 = not enough $ to live on for a month!

When you come right down to it, surviving only $25 in the red after the budget was reduced to $101 for a month’s worth of food, gasoline, dog care, and house maintenance is pretty amazing. With a few simple strategies (and some mildly onerous belt-tightening), I managed to get through the month without having to visit the pawn shop.

So, how can you cope when you see a budget shortfall coming your way?

1. Plan way ahead. While you’re in the black, realize that sooner or later a time will come when you’ll miss your budget goal.

In flush times, stock up on staples and frozen food.

Example: Because my freezer was full of chicken, pork, beef, and fish bought in prior months, at no time this month did I have to buy meat. Pantry shelves also held enough pasta, rice, beans, and canned goods to supplement the frozen meat and veggies.

Grow a garden. At the very least, have a few herbs and veggies growing in pots.

Example: Even though it’s the tail end of the season, the chard in the backyard has been edible all month. Thanks to the oranges on the trees, I haven’t had to buy juice all winter, and the lemons added to cooking and made salad dressings.

Build an emergency fund. This should go without saying.

2. Leave the car in the garage. Don’t drive anywhere unless absolutely necessary, and when you do, plan trips to hit several destinations along the way, limiting the number of times you have to go out in the car. This has several benefits:

Obviously, the less you drive, the less you’ll spend on gas.

Not driving means staying out of stores. Staying out of stores preserves capital. You discover you can go a lot longer between grocery-store runs than you thought, and that those little repair jobs that might send you to Home Depot can wait for a while.

If you walk to a grocery store, you can only carry so much home. This will limit your purchases to what you really need.

3. Eat at home. I’ll say that again: Eat at home!

Never eat in restaurants when you’re short on cash.

Brown-bag your lunch to work or school.

Make your own bread to help save on grocery bills. It’s cheaper and tastes a lot better than most grocery-store loaves.

4. Eat well, but eat less. This is a good time to go on a diet.

Cut portion sizes.

Prepare dishes that lend themselves to leftovers, such as stews, roasts, and pasta dishes, and then be careful not to pig out the first time they appear on the dinner table.

5. Get off the sauce.

A bottle of wine or beer is a hole into which to pour empty calories and money.

6. If you smoke, cut back as far as you can without suffering intolerable discomfort.

A cigarette is a torch with which to set fire to cash.

7. Do without. If you don’t need something right this minute, chances are it can wait until after the budget crisis passes.

A burned-out lightbulb, an empty bottle of vitamins, a dead triple-A battery can be replaced later.

8. Substitute creatively. If you run out of something you regard as crucial, look around for something that can take its place for awhile.

Woolite or unscented dish detergent works well as shampoo.

Ordinary hand cream is the same stuff that’s in expensive face creams.

Hand soap worked into a thick lather works as well as shaving foam.

Baking soda works in place of toothpaste.

Vinegar substitutes nicely for Windex.

Rice or pasta can take the place of potatoes, to good effect.

9. Return stuff. If you’ve recently bought something that you don’t need to use right away, take it back.

10. Drink water, coffee, or tea, not pop.

Another good excuse to start a diet! Water is free; home-brewed ice tea  or iced coffee is very cheap. All are better for you than soda pop.

w00t! Carnival of Money Stories headed this way!

On Monday Funny hosts the Carnival of Money Stories, now being overseen by Mrs. Accountability. A few posts have already come in. Don’t forget to send yours by Sunday evening. Says Mrs. A:

Here is a reminder of the guidelines for submissions. . .

The article should be a personal money story or experience. Any other type of article will not be included in the carnival.

The article should be related to some form of personal finance/business.

Only one submission per blog per week.

The article should be less than one month old.

So send your posts in now—I’m looking forward to reading the greatest money stories ever told!

Taxes, Government, the Tea Party, and America’s Way of Life

Tea-Party-Logo

Listening to NPR’s All Things Considered during a quick grocery run this afternoon, I heard newly triumphant Tea Partier Rand Paul trumpeting on about what he thinks of as his “moderate” views on the future of American government: basically, get rid of everything that costs anyone anything. The Americans with Disabilities Act, he tells us, was “overreaching,” and businesses should be allowed to refuse service to anyone they please, including those needing special accommodations. Asked if, by that line of thinking, the Civil Rights Act of 1964 was overreaching, he backed and filled like crazy, first trying to say that he agreed with legislation intended to eliminate “institutional” discrimination. Then, when pressed by the reporter who pointed out that the Civil Rights Act said businesses could not refuse service to anyone they please, he admitted he hadn’t ever read the darn thing.

The mixed results of the current round of voting, and the silly “We’re here to take back OUR government” motto that’s being used to fine demagogic effect (hey, it’s not your government, folks…it’s everyone’s government), presage re-election of doctrinaire kill-the-beasters. These people would like to see every tax-funded safety net taken away from every American, and if possible every tax eliminated, first starting with big corporate taxpayers, them moving to the extremely wealthy, and finally focussing on the middle class. As we know, the deadbeat working poor don’t pay taxes.

What, really, would this mean? A few days ago, Jim at Bargaineering ran a post in which he mentioned, in passing, USA Today‘s report that American tax rates are lower than they’ve been in 60 years. He also pointed out that those scary-sounding tax brackets do not even vaguely represent the typical American’s actual ratio of tax to income; after deductions and credits, he observes, “very few people pay anything close to their marginal tax rate.”

This engendered a lively round of screaming and wailing from Bargaineering’s readers. I left a half-baked yelp there, myself, which I’d like to refine a bit today.

You know, the American middle class exists not in spite of the government, but because of it. The affluent lifestyle that has been enjoyed by the majority of our citizens since World War II is an artifact of government protectionism and social programs that date back to the 1800s. The amenities we enjoy and that are envied by citizens of other countries, even in the developed world, were put in place by our taxes. As scholar Michael Lind remarked a few years ago, our middle class has “been invented and reinvented by the government.”

How, I wonder, do the Tea Partiers, the Kill-the-Beasters, and the chronic complainers think we get roads built? Bridges built? Airports constructed? Air traffic controllers trained and in place 24 hours a day?

Where do they think schools come from? Do they really believe it would be better for all of us to home-school our kids, or to rely on private entities with customer service like, oh, say Qwest‘s or Comcast‘s, to educate our children? Did none of them watch last week’s Frontline report on the quality of education delivered by for-profit “colleges” and “universities”?

Have they never used a public library? Have they never put their kids in a summer program run by their town or city’s public parks program?

Where does the water that flows out of the taps in their kitchens and bathrooms come from? Who works to make that water as safe as possible and keep it coming, clean and steady, day and night, year after year?

Is each and every one of them ready to pick up an automatic rifle and defend his home against an invading army? And who among them will be the general and who the privates in the unfunded militia that will protect our country against those who hate us?

And do they never go to professional football or baseball games, held in enormous arenas built at taxpayer expense for the benefit of private entrepreneurs? Do they not watch television, an amenity developed and delivered to us at taxpayer expense?

Did they all go to private colleges and universities, paying the vast tuition for places like Princeton, Yale, and Stanford out of pocket? Maybe they went to lesser schools, like Carleton College or Lewis and Clark—no problem sending the kids there with the savings from all those taxes not paid to support public universities and community colleges.

Maybe these folks, the Joe the Plumbers Sarah Palin pretends to speak for, can afford to put their kids in private or parochial schools. But most people can’t. What do they think will happen to America when 70 or 80 percent of the families in this country, absent public schools, cannot afford to educate their children?

One commenter at Bargaineering says about the claim that taxes are now historically low: “You forget to add into taxes things like social security, state and local fees and also real estate taxes.” Oh, the pain. I weep, I do.

Were it not for Social Security, after a lifetime of hard work and with a bouquet of graduate degrees, I would be sleeping on the street and blogging from the library. Oh, wait! No, I wouldn’t. There wouldn’t be any libraries without local taxes. I would not be blogging at all.

Nor would I be eating.

When I was laid off from my job—the micro-local consequence, we might add, of lax regulation of the financial industry and misguided theories about economy and government—I was forced into unwilling retirement because I am too old to get another job and do not know how to wait tables or stock shelves at the local WalMart (which wasn’t hiring anyway). I could not even get a job driving the tourist train at the zoo. Without Social Security, which now represents more than half my income, I would have lost my paid-off home because I could not have paid the utilities or the cost of basic maintenance. I would not have enough to to buy food or clothing.

If Social Security did not exist, my son would have to take me in and care for me through my old age, or else I would be on the street. And all those Tea Partiers would be doing the same for their parents.

Were it not for Medicare, I would not have any access to health care. Even with a better-than-average medical track record, my age, an evening in the ER with a stress attack pushing my blood pressure through the stratosphere, an incorrect diagnosis of a heart murmur, and a single hairline wrist fracture (signaling nonexistent “osteoporosis” to one insurance bureaucrat) render me ineligible for health insurance at any rational cost. If I could get an insurer to cover me, I could not afford it. For the health plan that cost $36 a month while I was working, COBRA charges $500. One early retiree I spoke with earlier this week said that he and his wife, both cancer survivors, are each paying $2,200 a month for health insurance!

That is more than my monthly gross income. It is $666 more than the 2005 average monthly income for Americans.

Medicare is pretty stiff, too: 8.33 times what I was paying on the job, where my employer footed most of the bill. The largest part of the individual’s cost of Medicare goes to private entities: Medicare Part D and Medigap are provided by the same insurance companies that rip you younger folks off; the only reason you can get full coverage in these programs—assuming you move fast and get yourself a policy the instant you become eligible—is that the federal government requires insurers to cover you without prejudice.

Taxes don’t just evaporate into the air. They buy essential services.

Those services keep our country safe, make commerce and communication possible, build and maintain the world’s best land and air transportation system, keep our food and water reasonably safe, give us a record high life expectancy (if you were born in 1900, when taxes were nil, you could expect to live just under 50 years), make it possible for us to educate our children for nothing or nearly nothing (have you priced private grade schools and high schools lately?), and relieve us from having to support our aged and infirm parents.

Among other things.

So please. Let’s get a little common sense!

Images:

Chicago Tea Party logo: shamelessly ripped from the Internet, without tax payment
Deutche Truppen am Arc de Triomphe, Deutches Bundesarchiv, Wikipedia Commons

Another Tax Hike!

taxation-food-tax

Well, for the first time in recorded history, Arizona’s right-leaning voters approved a one-cent sales tax on food. We’re told by the state’s fuzzy, Tea-Partying leadership that this tax will get us off the economic shoals on which we have been cast by the crash of the Bush economy. The public schools will be rescued, and the massive cuts to the state government already planned will not have to take place.

Right.

A tax on food, at a time when about 10 percent of Arizonans are officially out of work and many, many more have dropped off the unemployment tracking radar, is about as regressive as a tax can get. It hits hardest at the people who can least afford it: people who are already struggling to buy basics like food and shelter.

Here’s the problem: Arizona has an essentially circular economy. We don’t manufacture anything, unless square mile upon square mile of ticky-tacky houses built by people who build, finance, supply, and repair ticky-tacky houses for people who build, finance, supply, and repair ticky-tacky houses can be called “manufacturing.” The primary bases for the economy here are housing construction and services. We wait on each other—at amazingly low wages—and we build houses for people who wait on each other. We don’t do anything productive.

So, when the economy goes down, we have nothing left to build on. The jobs for people who deliver services dissolve, there’s nothing to take their place, and no amount of taxation or any other make-shift scheme will change the fact that we don’t have jobs and we’re not going to get jobs.

Why? Because we don’t do anything productive. We just wait on each other.

Hilariously, we’re assured that this tax is going to rescue Arizona’s educational system. This is the system that’s already at the bottom of per-pupil funding in the nation—we rank 49th, just ahead of Mississippi! Grade schools now cram about 32 kids in every classroom. One cent per dollar, whose purpose is simply to avoid laying off more teachers, isn’t going to make much difference. Let’s remember, when times were good, graduates of this system arrived in my university classrooms and, as juniors and seniors, informed me that Wisconsin is a Rocky Mountain state, that the only thing of note that happened in the U.S. during the 19th century was the Industrial Revolution—well, if you let out World War I, which also happened in the 19th century—and that the word Episcopal is pronounced ep-is-COP-al. A graduating senior in English—that’s English, not English Education—asked me what a preposition is.

This is a school system that will not be helped by a one-cent Bandaid. It needs major surgery.

Despite being a raving, foaming-at-the-mouth sooooocialist liberal, I did not vote for this tax. I didn’t vote for it because it was cooked up by a retrograde governor and supported by an even more Neanderthal legislature. Nothing that these people say makes sense, and so it’s reasonable to believe that the tax as it was proposed is even more ludicrous than it appears on the surface.

It doesn’t get at the problem. The problem is, we need to build an economy that produces things, not one that waits tables, sells insurance, and polishes shoes.

It’s America’s problem, of course: we’ve off-shored the lifeblood of a strong economy. And since Arizona is part of America, Arizona is part of the problem.

Image: from H. G. Wells, The Outline of History, 1920. Public Domain.

Open Office Users?

Is anyone using Open Office’s word processing program?

In these precincts, I’m so fed up with Word for Mac. It bogs down the iMac’s system so massively that sometimes it will hang the entire system for several minutes, while it plods through loading or whatever it’s trying to do. Keyboard commands are different from the PC version’s, and if you try to write macros to replicate the commands you’ve internalized, you risk overwriting Apple system commands. Word’s given to sudden crashes that lose or threaten to lose all one’s data, rather tedious. And I hate, hate, HATE the new version of Word with its inscrutable “ribbons” that hide keyboard commands and make it difficult to locate the routine operations.

If you use Open Office, what are its demands on your system? Does it tend to hang your computer? Can you multitask with it, or does it slow down your system so that you’re better off closing everything but the word processor?

And—BIG!—how does the track changes function work? Can your reader see changes you’ve inserted? Can you insert comments?

And finally, can an Open Office document be viewed in Word? If so, do the tracked changes and comments come across?

In short, is it worth the effort to learn a new system?

Lemme know what your experience has been in the comments, pls. 🙂