Coffee heat rising

You need to know about this one: Corporation harasses blogger

An outfit called MonaVie, which markets exotic berry juice purported to fight aging, peel off pounds, and do wondrous unspecified things for your health, is suing Lazy Man and Money for daring to write a review questioning its product and its sales strategy. The claim the company makes is that merely typing the MonaVie company name and putting it in the post tags infringes MonaVie’s trademark.

This is clear and present intimidation and a blatant attempt on the part of a corporation, MonaVie, to harass an independent writer for exercising rights of free speech guaranteed by the U.S. Constitution and, in the bargain, to cast a chill on every American’s right to comment honestly and frankly on products and on the marketing strategies used to promote them. It is not, by the way, against the law to mention a product’s name in a published work, and a strong argument can be made that placing a product name in a post’s metadata in no way infringes upon the trademark. In fact, the argument that it does so is laughable—we can be sure the first judge who sees this action will laugh it right out of court.

Here’s what we need to do, my friends, to protest this outrageous infringement on our rights as U.S. citizens and as writers.

First, please go here:

Lazy Man and Money, MonaVie Scam

then here:

Lazy Man: MonaVie Is Trying to Sue Me

and here:

Lazy Man: MonaVie Sends a Second Cease-and-Desist Order

and here:

Lazy Man: MonaVie Employee Calls Me an “Annoying Douche”

And finally, read this:

Consumerist: MonaVie Hits Blogger over Trademarks in Metadata

Then, assuming you have a blog or website, as Brip-Blap and The Consumerist suggest, fearlessly link to all of these articles. Let them sue us one and all!

Never fear: it is not illegal to utter a brand name. MonaVie is not G-d, and even if it were, it’s still not illegal to utter the word “God.” At least, not in America. If you’re concerned that the company’s absurd claim about metadata might, by some wild stretch of the imagination, have validity, simply refrain from using the name in your title, in your post tags, and in your SEO plug-in.

Feel free to copy and paste this entire post to your site. Funny about Money hereby relinquishes all copyright to this post (“You need to know about this one: Corporation harasses blogger”) and releases it to the public domain. Splog away, everyone!

{gasp!} Property tax bill

The county finally got around to sending this year’s property tax bill, only a month or so late. They’re so close on the deadline that I’ll have to transfer the money out of savings instantly and ship off a check this weekend; otherwise I’ll be delinquent.

The tab: $2,058.86. Now…yes, I do realize that compared to property taxes in certain Midwestern and Eastern Seaboard states, this is as nothing. (But let’s remember: the educational system and other accouterments of a civil society are also as nothing here.) Compared to last year’s tab, it’s exactly $20 less.

That’s surprising. SDXB’s tax bill, which is rock bottom because his part of Sun City was never gerrymandered into a school district, rose by fifty bucks this year.

Everyone’s bill was jacked up, despite the large cut in property valuation occasioned by the busted real estate bubble, because our cash-strapped “no tax-and-spend” state legislators revived a defunct state property tax. So even though our valuations are in the sub-basement, where they belong, our taxes are just as high as they were at the height of the bubble.

We won’t comment on what they buy. Oh, what the heck…yes, we will: vast layoffs of state workers, grade school classes with 50 kids in them, reduced forces of emergency workers, closed museums, reduced library hours…all manifestations of a Killed Beast.

I’m grateful to get a bill that’s no higher than last year’s. Next year, it should drop considerably, because of various political promises to undo this, that, and the other device to raise funds. But by then, property values will have risen closer to normal, providing another reason to raise the tax bill.

Don’t mind paying taxes if we get some value received…but just now, that doesn’t seem to be happening. My two thousand bucks could keep a state worker on the payroll a good month (maybe more). Taken together, everyone on this block could keep her working a year or 18 months. So…let’s see that happen, boys!

Recession “Over”: Will you spend more now?

The economy appears to be improving. Last week the Dow edged a little closer toward 10,000—on Thursday it reached 9,850 before falling off to 9,784; then sedately rose to 9,820 on Friday. Our collective net worth, we’re told, has jumped some $2 trillion.  Not so many people are being laid off, or at least so we gather from the slight drop in first-time unemployment claims. In some states, a few folks are getting jobs: the government estimates the stimulus has created 139,700 jobs in California, 72,500 in New York, 36,000 in hard-hit Michigan. In Arizona, among the states that have taken the brunt of the real estate collapse, home prices moved up for the first time in two years, with the median cost for a home rising about $3,000, while rates on 30-year mortgages dropped nationwide to 5.04 percent. Maybe Bernanke’s right that the recession is over.

Boy. Two trillion bucks burning a hole in your pocket! What will you do with it? Do you expect to push the economy ever higher by spending some of that newfound money?

Do you think that as the economy improves, you’ll be spending more and saving less? Will Americans go back to their habit, so good for business and for the banking industry, of charging up more on credit cards and mortgages than they can afford?

Over at Get Rich Slowly, J.D. continues to ruminate about what he calls the “third stage of personal finance,” which has to do with personal values and long-term planning about money. It’s an interesting, if still inchoate, train of thought.

What portion of our income we spend, what portion we save, and how much debt we incur has to do as much with our concept of a “comfortable” lifestyle as it does with our circumstances. What, for you, is an acceptable way of life?

For example, CNN Money’s retirement guide posits that a 65-year-old with $500,000 in savings can withdraw $43,000 a year from savings until the age of 90. It suggests that if the same person continued to work until age 70 and maxed out her retirement savings, she could draw down $72,000 a year until age 90. And that doesn’t even count Social Security benefits!

Leaving aside the question of what the hypothetical retiree will do if she lives beyond 90, when she suddenly will be left penniless, this scenario raises a serious lifestyle question: Do you want to stay in the traces until you’re 70 years old? And secondarily, do you really need $72,000 a year plus about another $20,000 in Social Security—some $92,000 p/a—to be happy?

To my mind, the “third stage” of personal finances entails settling on what standard of living suffices for you and your family and deciding how long and how hard you will work to maintain that standard. SDXB, for example, decided when he was in his forties that he would jump off the treadmill. He made a conscious decision to live frugally and to cobble together a living from a variety of part-time sources specifically so that he would not have to trudge to an office every day.

He lives comfortably. He has no debt. He owns his house free and clear, and when he wants to buy a car, he pays for it in cash. He spent the entire summer traveling around the country and is about to take off for another few weeks. He dresses well (buying much of his casual clothing from thrift stores), has an active social life, and takes care of his health.

He accomplishes this because he distinguishes clearly between needs and wants. And when you come right down to it, one’s real needs can be fairly modest. I doubt if he spends much more than $24,000 a year.

His lifestyle, though, is a bit straitened for my taste. Even though I could live much, much more cheaply if I moved to Sun City, where he’s bought a house, I don’t want to live in Sun City. I like having young people around me, and I’m not especially frightened by the cultural diversity of a central-city neighborhood. Although the workload and costs of my present home are a little high, I like my house and want to stay here. And as for shopping in thrift stores, I simply haven’t the patience to plow through tons of old clothing in search of a few prizes. On the other hand, Costco’s $20 jeans do me just fine.

Clearly, to support my basic lifestyle I will need to spend more than he does. That is, I have a baseline set of expenditures below which I probably can’t drop without having to go hungry, let the landscaping die for lack of water, and get rid of the dog. Or…sell my home, move to Sun City, and pocket $30,000 to be used to help support me in bumhood. Accordingly, I have a baseline set of frugal values that I can’t or won’t violate, which entail living within my means and not running up debt.

The $43,000 that CNN’s hypothetical retiree plans to draw down from savings at the age of 65 is more than my net income. Add Social Security to it and subtract about 20 percent for taxes, and you come up with significantly more than I live on now. And in fact, even though my savings have not yet quite come back up to 500 grand, by the time I’ve cobbled together Social Security, a light part-time job, and a more modest drawdown from savings, I may actually net more than the Great Desert University is paying me. So, in theory, if more than enough comes in to support my baseline expenditures, I could adjust my baseline frugal values upward, into the somewhat less frugal range.

The recession has fostered a fresh vision of commonsense values among many Americans. As we’ve seen our jobs vanish and the equity in our homes melt away, we’ve come to realize that debt is a form of slavery—it forces us to keep working at jobs we hate, when we might take lower-paid but more enjoyable work or even be free to live without a day job. We’ve discovered that buying only what we need makes our lives simpler and easier to manage; that bigger or more is not necessarily better. Many have come to realize, too, that a frugal lifestyle is in many ways a green lifestyle: living smaller and lighter not only saves money, it’s socially and environmentally responsible.

That said, there’s a lot of pent-up demand. Except for the brief bump-up from the Cash for Clunkers program, people haven’t bought cars in two years. Growing families may need to move from two-bedroom apartments to larger digs; shrinking families or divorcing couples need to move to smaller places; unemployed workers following jobs to new cities need to sell or default on their homes and find new places to live. As the economy improves, there’s bound to be some spending to take up the slack.

But will we whip out our credit cards? Will we furnish the living room with a gigantic new digital TV screen? Will we head for the Armani rack the next time we allow ourselves to go into a department store? Will we reinstate the premium cable and that cell service that gave us half-a-dozen bell-and-whistle-laden phones? Will we borrow against the reviving equity in our homes to buy another boat?

My own plan is to continue living light on the land. If income rises, as appears possible, anything extra will go directly into savings, the better to support my baseline, third-stage personal finance value of never having to work another day job.

What about you? When things get better, what will you spend the loot on? Or…will you spend it at all?

Image: Worker. Public Domain. Wikipedia Commons.

Hectic week

In the vortex...
In the vortex...

Well, it’s not hard to see what retirement will be like: every living, breathing minute occupied with something! SDXB used to say he was never so busy before he retired as after. He certainly doesn’t let any proverbial grass grow under his proverbial feet.

Choir and choir practice are great, wonderfully enjoyable—mostly because of the director’s extraordinary talent and depth of knowledge. That and the general charm of the members and the beauty of the Anglican array of music. It does, though, add an extra layer of busyness.

The pool is functioning OK now, though it must be allowed that Harvey the Hayward pool cleaner isn’t running the way he should. Toted him up to the pool place again. They advised me to test the system’s suction with a gadget that came with Harvey (so that’s what it’s for!). Far as I can tell, the system is working all right. Too busy to fiddle with it any more.

Naturally, as two rafts of student papers came in, we got a long paper from one of our client journals, three math papers from another, and a passel of abstracts from a third. Foisted the math onto my underlings but still was kept busy for many hours with the rest of the stuff. Then a new client surfaced with a dissertation prospectus: 36 pages of arcane statistical research and a zillion references—author is unsure whether he’s doing them according to the new sixth edition of APA. Almost every one of those had to be tracked down and checked, as well as regularized in the new format. He sent it Monday or Tuesday; needed it Thursday. Then a friend/client sent over a paper, part of her ongoing research agenda: 21 pages of sociology, needs it right away.

Meanwhile, for reasons I don’t understand I had the Carnival of Personal Finance on my calendar, scheduled for next Monday. Thank goodness, when I went in there to find out how to access the system again, I discovered that Taking Charge will be taking charge this weekend, not me. Why the phantom entry in the calendar remains unexplained. At any rate, I’m mighty relieved not to have to do that big job this weekend. Be sure to visit Taking Charge next Monday, and before then to submit your posts to the carnival.

One of the choir members is finishing an interesting-sounding book. I said I’d advise her on finding a publisher…so she just sent a bunch of stuff to review. It being past dinnertime as I scribble and me being too whipped to get up from in front of the computer, I guess that’ll have to wait till tomorrow.

Complicating things further, one of Paradise Valley’s young athletes, a cross-country runner, got himself registered in my Friday afternoon class only to discover that it conflicts mightily with the team’s schedule, which will take him out of town about half of the class meetings. At this point, no other sections will fit into his schedule, and it’s too late to transfer him anyway. He’s such a bright and engaging young man, I decided to bestir myself to keep him in the class. That is going to entail a lot of work: basically, I’ll have to write a whole new online course for this character.

Friday morning: occupied with the substitute class. Thank heavens that one ends today.

Friday afternoon: occupied with a Paradise Valley class.

Between morning and afternoon: track down an errant paycheck at the college cashier’s office; check to see if I left some stoont papers in the library, since several people who were present didn’t turn in work.

Saturday morning: 8 to noon substituting for another Phoenix College class. $50 an hour!! 🙂

Saturday afternoon: figure out how to accommodate the cross-country runner, write a parallel syllabus and worksheets for him (this will run into Sunday and probably Monday).

Sunday: choir, 9 to noon.

Sunday afternoon: Got to clean house!

Paper settles on all the surfaces in my house as dust settles out of the air. My house is a pigpen. I simply must stop long enough to do the laundry, pick up the litter, clean the furniture, floors, kitchen, and bathroom, and reconcile the bank accounts. Those chores represent more than half a day of work.

Gasp!

😯

Image: Wake Vortex Study at Wallops Island, NASA-Langley Research Center
Wikipedia Commons

Life in the big city

A news helicopter has been parked over the next street to the south for the past 40 minutes. I hate that.

This morning was the first truly cool morning we’ve had since last spring: temps in the mid-70s as late as 6:30. Glorioski! I opened all the doors and windows to let—finally to let!—the fresh air drift through the house.

But noooooo… The minute you sit down to enjoy your home and your yard, you know you’re going to be buzzed by a cop helicopter or a Snoop in the Sky. As it develops, today’s intrusion is not the police chasing one of the neighborhood home invaders. It’s the “news” copter (I use the term “news” loosely) slurping up gore for the evening news. Some poor woman, having dropped off her child at the nearby charter school, drove her SUV out of the parking lot and hit another poor woman as she crossed the lot’s driveway on the sidewalk. The pedestrian was pushing a baby in a stroller and shepherding a four-year-old. She managed to get the older child out of the way, but the baby was crushed beneath the vehicle.

This is a horrible incident. Frankly, I could do without  pictures of it on the evening news or in any other news media. But if we must indulge, surely it couldn’t take more than ten minutes to capture an image like this.

First, I question why it’s necessary at all to display such a thing. And second, I wonder why it’s necessary to buzz a residential neighborhood with a roaring helicopter for the better part of an hour, so as to entertain the masses with yet another lurid video of yet another traffic accident.

Mercifully, the local TV stations have given up on fielding a flock of “news” helicopters. The reason was not so merciful: couple years ago two helicopters, chasing the cops who were chasing a sh*thead who had taken off in a stolen vehicle, crashed into each other over mid-town Phoenix. Four men died so that you and I could watch the spectacle of a few cops trying to chase down a loser in a stolen junker.

We were lucky we didn’t waste more lives. The two copters crashed into a park. A large VA hospital stands adjacent to the park. A couple blocks to the north, two big high schools were in session. And the park is ringed with mid-rise office buildings and commercial strips.

After that, the stations decided to use a single common helicopter to pool their Snoop in the Sky reporting, which helps substantially with the crazy-making noise level. Before then, we would have had four choppers hanging over our homes for an hour. Chances are that decision was made more for financial reasons than out of consideration for the locals’ peace or because management felt much concern for future employees’ safety. At any rate, at least one small benefit accrued after that hideous and heart-breaking accident.

What does this have to do with things monetary? I don’t know. Probably very little. Except that cop and news helicopter racket is part of life in the big city. Retiring to a small town would have the benefit that few small-town news stations can afford a helicopter, and neither can small municipalities. Life with less affluence could mean life with less noise pollution. How lovely it would be to enjoy fall’s first truly pretty morning, without having the peace shattered by gawkers on the wing!

OTC Drugs: Not necessarily harmless

Just because a medication or nostrum is sold over the counter does not mean the Food and Drug Administration has certified it harmless. Some meds that we take routinely and think of as benign (because after all, if they weren’t, wouldn’t they be available by prescription only?) have all sorts of strange side effects.

We all know that aspirin can rot a hole in your gut if you overdo it or use it to pre-empt a hangover after a night of drinking. And most of us are probably aware that acetaminophen, taken in excess, can damage your liver. But it’s amazing what some of the other commonly available goodies will do to you, and how innocent we may be of their baleful effects.

Take, for example, ordinary cough medicine. Did you know that Robitussin with dextromethorphan can give you quite a high? Teenagers competing to win a Darwin Award swill it down in industrial quantities. This stuff can cause such entertainments as irregular heartbeat, vulnerability to heat stroke, nausea and vomiting, itchy skin…and so on to infinity. Literally…

But you don’t have to take some of these things in off-the-label doses to experience some surprising effects. When M’hijito was a wee babe, a quack pediatrician we were using prescribed Sudafed for a minor cold. This was one of the first colds he’d had, and since he was our only child, we hadn’t a clue that his inability to sleep was not part of the cold. Three days and nights went by without his sleeping more than ten minutes at a time. He would scream and scream and scream, finally doze off if one of us laid on the bed next to him, but if you wiggled so much as to scratch your nose, he’d instantly pop awake and start to shriek again. The pediatrician shrugged and said “babies cry.” By the time we stumbled into an emergency room, all he could do was lay on the mattress and writhe. The ER doctor didn’t have a clue, either.

Meanwhile, I had also developed a galloping case of insomnia, which had been hanging on for several weeks. Even before the kid started keeping us up all night and all day, I’d been sleeping three, maybe at the outside four hours a night. As I was laying there next to the half-dozing infant trying not to move a hair, it suddenly struck me that there might be a connection.

What was the only odd thing we had going in common?

Prescription decongestants.

His father had hay fever and was taking pills for it. We’d had cats for several years. Although I found new homes for them before the baby was born, they’d slept on our beds, lived on the furniture, and infested the house irremedially with cat hair and dander. What I didn’t know is that I was allergic to cat fur. I did know my nose was stuffed up all the time, just like my husband’s. So I had been taking his decongestant so I could sleep at night.

I leapt from the bed, leaving the kid shrieking again and the husband mad as a hornet, and streaked to the bookcase where we kept the PDR. And lo! Both the Sudafed and the prescription contained pseudoephedrine, which has listed among its side-effects “central nervous system stimulant.” Videlicet: pseudoephedrine causes insomnia!

Within hours after we took him off the quack doctor’s meds and me off the husband’s pills, peace was restored to the house. I slept for two days, and so did the kid. We soon found another pediatrician.

Pseudoephedrine is sold over the counter, and it appears in a number of allergy, sinus, and cold nostrums.

Recently I made a similar discovery. With my doc’s complicity, I’ve been using Benadryl as a sleeping pill. The stuff knocks me for a loop, and when I can’t sleep at night—which is most of the time—it sometimes allows me to get six straight hours of shuteye. Sometimes. So it seems.

Exhaustion will do the same thing.

The other day when I was at the fancy Costco near the upscale community college, I picked up a mess of magnificent king crab legs. Naturally, one can’t have king crab without a glass of wine, right? So walked out of the place with a nice bottle of white wine.

My habit is to pour wine as long as food remains on the plate. Since breaking into crab legs and fishing out the meat is time-consuming, I topped off a few more glasses than I thought. Cleaning up after dinner, I looked at the bottle and realized I’d consumed two-thirds of it. That explained why I was weaving around the house like a drunk: I was drunk.

Any more than a glass or two of wine will set my internal alarm clock for 3:00 a.m. sharp. An all-day choir workshop was slated for the next morning. If I woke with a hangover at three in the morning, I was gunna be a zombie through the entire event. So, along about 11:00 p.m. I dropped two Benadryls, following the instructions on the label.

And fell asleep…for about twenty minutes.

Every time I closed my eyes, I had the most horrific nightmares! At my age, you pretty much quit dreaming—or if you do, you rarely remember it. Older people have less REM sleep (and, in my experience, less sleep altogether! Caveman tribes must have used the elders to guard the campfires at night). So a nightmare is a weird occurrence. I’d doze off, be jerked out of sleep by some hideous image, toss and turn for twenty minutes, and repeat. Finally turned on the light and got up: 1:00 a.m.! I’d been dozing fitfully and miserably for all of two hours. And the rest of the night never did get another wink of sleep.

The next day at the choir workshop, I was OK (I’m always functional the day after a sleepless night: it’s the following day I’m out of it), but along about 2:00 in the afternoon I had another of the damned anxiety attacks: pounding heart that feels like it’s skipped a beat, breathlessness, dizziness. These are very scary episodes. The only reason I don’t call an ambulance when they happen is that I’ve already spent a full day in the ER, where I learned they’re (probably) not heart attacks or impending strokes. I’d had several of these in the preceding two weeks, including one that happened while I was standing in the Apple store talking with a salesman.

Since I’m not particularly stressed, this has seemed odd. We have hardly any work at GDU—so little, as a matter of fact, I rarely go out to campus. The community college courses are easy and fun. No deadline pressure. No work pressure. No personal problems. Everything I’m doing in life right now is entertaining and pleasant. My overall mood: a general feeling of well-being. Sooooo…why am I having panic attacks?

Sitting here in front of the computer between the end of choir practice and the start of the evening party, it occurred to me to google benadryl side effects. And what should come up but this:

Diphenhydramine may also cause low blood pressure, palpitations, increased heart rate, confusion, nervousness, irritability, blurred vision, double vision,…

Holy mackerel! Palpitations and a speeding heart are the hallmark signs of these “anxiety attacks” I’ve been having. And irritability? Let me tell you irritability. Between my house and choir, I was cussing at other drivers who had the temerity to get in my way on the road. Double vision? Sumbitch. Last time that happened out of the blue, the opthamologist speculated I might have Parkinson’s disease. To keep the insurance companies at bay, he entered “ocular migraine” in the record…but that’s not what he thought.

Like most doctors, he never thought to ask me what OTC meds I take regularly and then to look up the side effects. They’ll ask you, and they’ll write down the drugs you say you take: they just don’t think about what the stuff can do to you.

Double-checking the Google search evokes this:

Serious Side Effects

Some Benadryl side effects are potentially serious and should be reported immediately to your healthcare provider. Although generally rare, some of these side effects may actually be fairly common, particularly in young children or the elderly. These include, but are not limited to:

Low blood pressure (hypotension)
Heart palpitations
A rapid heart rate (tachycardia)
An irregular heartbeat
Anemia
Low blood platelets
Confusion
Blurred vision or double vision
Loss of balance, especially if accompanied by ringing of the ears (tinnitus) or hearing loss
Seizures
Difficulty passing urine
Hallucinations or delirium
Worsening of ulcers or gastroesophageal reflux disease
Worsening of glaucoma

Signs of an allergic reaction, such as:

An unexplained rash
Itching
Hives
Swelling of the mouth or throat
Wheezing
Difficulty breathing.

Itching? My face still itches, in spite of the pints of olive oil I’ve used in lieu of soap for lo! these many months. Heart palpitations? Tachycardia? Loss of balance? Tinnitus? These are part of everyday life around here. So is Benadryl…

Even though the FDA rates Benadryl as a class B drug, meaning it’s supposedly safe for unborn babies, clearly this is not an altogether benign substance. Yea verily, the University of Maryland Medical Center lists among its potential effects:

Cardiovascular: Hypotension, palpitation, tachycardia

Central nervous system: Sedation, sleepiness, dizziness, disturbed coordination, headache, fatigue, nervousness, paradoxical excitement, insomnia, euphoria, confusion

Lovely. So all this time I’ve been trying to beat insomnia by dropping these pills, with my doctor’s approval, I’ve probably been making it worse and evidently have created the cardiac symptoms diagnosed as “stress attacks.”

Stress attacks, my ass. My Christian Scientist forebears were right! Don’t drink, don’t consume caffeine, and never take meds.

If you have unexplained or intransigent symptoms, think about what drugs you’re taking, including the over-the-counter variety. Look them up either on the Internet (avoid those whiny patient wailing walls, which are anecdotal and provide no real proof that the patients’ complaints have anything to do with the meds they’re taking), in the Physician’s Desk Reference, or in Worst Pills, Best Pills, the most accessible reference work on drugs and drug interactions you can buy.