Sunday, May 31, 2009

Save Cash by Feeding the Kids for Free [Saving Money]

 
 

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via Pipes Output on 5/29/09

Many a parent has ordered something off the kids' menu just to see their picky eater barely touch it. Why make dining out any pricier it already is? Go where the kids eat free!

Photo by BL1961.

It would be no small task to call everywhere asking about kid-friendly promotions, thankfully the diligent penny pinchers at FrugalLiving have compiled a huge list of specials.

The list is arranged by the days of the week, with a link to the restaurant and additional notes about the nature of the promotion. Where available there is also a link to the kids' menu so you can taken a peek at the food ahead of time. They have done an excellent job cross referencing the list, if a restaurant you're looking at has multiple promotion days throughout the week the entry for any given day will note the other days. Thanks Tim!

Kids Eat Free [FrugalLiving]



 
 

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Make a Healthier Homemade Pizza [Cooking]

 
 

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via Pipes Output on 5/27/09

We've taken you down the path to delicious homemade pizza requiring no special equipment and no kneading, but if you're looking for a healthier option for your DIY pie, the New York Times offers up two tasty recipes for healthier homemade pizza.

The first recipe is for whole wheat pizza dough, which, when it's ready, is the perfect foundation for the second, a recipe for a green garlic, potatoes, and herbs pizza. With more people cooking at home during the recession, a few tried-and-true homemade pizza recipes are just the ticket—especially when they're also healthier than your traditional fare.




 
 

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Buy The Right Sunscreen And Avoid Sunburn [How To]

 
 

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via Consumerist by Carey on 5/31/09

Buying the right sunscreen could mean the difference between a pleasant day at the beach and a nightmare of splotchy pain. Consumer Reports conducted a poll to see how you people use sunscreen, and even dunked a bunch of volunteers in a tub for forty minutes to see how different sunscreens held up. Inside, the sunscreens that earned Consumer Reports' praise, and a few tips for avoiding the dreaded summer sunburn.

So which sunscreens work well? Consumer Reports recommends:

  • Walgreens Continuous Spray Sport SPF 50
  • Coppertone Water Babies SPF 50 (lotion)
  • Up & Up Sport Continuous Spray SPF 30
If drugstore sunscreens aren't good enough for your precious skin, there are a few pricier alternatives from last year that may still be available, including:
  • Blue Lizard Regular Australian SPF 30+
  • Mustella Bébé/Enfant High Protection SPF 50
  • Lancôme Paris Sôleil Ultra Expert Sun Care for Sensitive Skin SPF 50
  • Fallene Cotz SPF 58
Keep a close eye on expiration dates, and chuck any sunscreen that is more than two years old. Always apply sunscreen at least fifteen minutes before heading out so your skin can soak up the yummy protection. And don't rely on sunscreen alone; a big floopy hat can help provide a needed umbrella of protective shade.

CR poll: Who's using sunscreen? [Consumer Reports]
(Photo: mtoz)


 
 

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From Memphis Commercial Appeal: Upscale dealing on foreclosures

fyreasst sent you this:

Upscale dealing on foreclosures

http://commercialappeal.com/news/2009/may/31/upscale-dealing-on-02/

Memphis Commercial Appeal

Saturday, May 30, 2009

Consumer Reports picks top 529 plans. If ... [529 Plans]

yay, iowa made the top 5 list!

 
 

Sent to you by David via Google Reader:

 
 

via Consumerist on 5/29/09

Consumer Reports picks top 529 plans. If you have a little spare cash to squirrel away for college, you've probably given some thought to those state-sponsored, tax-advantaged 529 plans. But with over 50 to choose from, where do you start? How about right here, with some tips from the Consumer Reports Money Lab. The blue-coated boffins picked their five fave funds, paying particular attention to those that offered "below-average fees and an investment strategy that was sufficiently aggressive in the early stages and appropriately conservative later on." Oh, and parents, here's another tip: You can usually change the beneficiary on a plan to another family member. So, if you were saving for Johnny and he goes deadbeat after high school, you can pass his cash along to Janie. Or just use it for yourself. Admit it: you always wanted to ditch it all and go to film school, right? [Consumer Reports Money Adviser]


 
 

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Friday, May 29, 2009

Mozy

I know we're not exactly looking for ways to spend money right now, but this might be the best way to go in the future for keeping our more critical files safe.

 
 

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via Cool Tools on 5/29/09

I am slightly paranoid about backups. I have all my digital files backed up on another disk in my home office. But what if my office burns down? Then I also have a version of critical files copied onto a set of DVDs in my home. But what if both my whole house burns or flattens in an earthquake? So I keep a copy of my contacts, calendar and email on the cloud, in Google. But what about the rest of my stuff? I have 60 gigs of photos, 45 gigs of music ripped from CDs (all legal), 700 gigs of video, and Word docs, InDesign files from books I am working on, PDFs, etc. So I have these on another terabyte hard disk to be kept in a relative's home. But its not very updateable. I needed an easy way to incrementally back up my whole computer to the cloud. Some cheap offsite place to archive my regularly scheduled backups.

I began using Amazon's cloud storage using a utility called Jungle Disk. It worked okay but the deal was more expensive and heavy-duty than I needed.

I am now using Mozy and it seems perfect. For $5 per month (or $55/year) I get unlimited (!!) offsite storage, with invisible regular updating. The interface is sensible. Works on Mac and Windows.

While the daily backup updates can happen at night or in the background, the first time you back up 50 gigs it will take a week. I am not kidding. This is not the fault of the host. Most cable or DSL connects have pitiful upload rates, and working 24/7 it takes a long time to upload your hard disk. Mozy estimates transfers happening at 2-4 gig per day in background work mode, and 9 gigs per day undisturbed. Just be patient.

I am now backed up on the cloud. Whew!

Mozy
$4.95/month, or $55/year

Related Entries:
Battery Backup ZYB Honda EU Series Generators


 
 

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Here Are 30 Money Saving Twitterers To Follow [Savings]

Finally a legit reason for twitter?

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Here Are 30 Money Saving Twitterers To Follow [Savings]

Money savers on TwitterSavings.com has put together a list of 30 of the most followed people on Twitter who offer tips on good deals. Of course, savings.com readers have already started adding alternates in the comments below the list. Feel free to make your own suggestions after the jump.

"30 Deal Hunters to Follow on Twitter" [Savings.com]





~david

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Tuesday, May 26, 2009

Printable 10% Off Coupon For Lowes Stores

where was this when we needed it?

 
 

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On the Uselessness of the MSDS

 
 

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via In the Pipeline on 5/26/09

With all the recent discussions around here about safety, I think that there's one thing that all of us working chemists can agree on: MSDSs are often the next thing to useless.

They're not supposed to be, at least in theory. The idea is that a materials safety data sheet collects all the relevant toxicity, handling, and disposal information for a given chemical so it can be referenced by users, emergency responders, and so on. But somewhere along the line, things have gone well off track. I refer interested readers to the famous example of the MSDS for sand. Sea sand.

The first thing we find is that it is a cancer hazard. Then we note that "Prolonged exposure to respirable crystalline quartz may cause delayed lung injury/fibrosis (silicosis)". Which is true, but (of course), we have no idea of what "prolonged" means in this context, and we may not realize that sand, in its commonly encountered forms, is not easy to inhale. One should " Wear appropriate protective clothing to prevent skin exposure", but if we were to contact this substance through our own carelessness? We should "Immediately flush skin with plenty of water for at least 15 minutes while removing contaminated clothing and shoes.". We should take care at all times: "Do not let this chemical enter the environment." But that should go without saying, since we've been enjoined to "Use only in a chemical fume hood".

Now, what this thing is trying to tell us is that extensive exposure to finely ground silica dust is bad for the lungs. This is absolutely true, even if lawyers have been trying to make dubious fortunes off of it. A person should take care not to inhale sand dust, and should take particular care if exposure to such dust is a regular feature of one's job.

But there needs to be a way to get this information across without making a bag of sand sound like a weapon of mass destruction. I don't know how many times I've heard of chemical spills being treated like high-level radioactive waste because emergency responders (or local news reporters) read the MSDS and hit the panic button. (A famous example was the closure of the Bay Bridge in California once by a few bags of iron oxide (keep in mind that this happened before the current environment of worries about terrorist incidents). The responders knew what the chemical was: they read the MSDS, which (naturally) told them to wear full protective equipment, avoid exposure, wash copiously and seek medical attention, etc. For a few bags of rust.

There has to be a better way - you'd think, at any rate. But the MSDS is lawyer language, when you get right down to it, and there's the problem. Trying to insulate everyone from liability is not something that can be done simultaneously with trying to inform people in case of an emergency. Very few chemists, in my experience, spend much time with these forms at all, preferring to get their information from almost any other source. There has to be a better way.


 
 

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Slate Article: Explosions in the Lab

fyre asst has sent you an article from Slate Magazine.

You have to be sure that the person in the room with you isn't going to open a centrifuge early or whatever!



Science

Explosions in the Lab
What can be learned from the death of a young biochemist at UCLA?
By Beryl Lieff Benderly
Posted Friday, May 22, 2009, at 7:03 AM ET

A few days after Christmas of 2008, a young technician in a biochemistry laboratory at the University of California-Los Angeles began to transfer a tablespoon of t-butyl lithium from one container to another. T-butyl lithium is pyrophoric, meaning it ignites on contact with air, but Sh! eri Sangji wasn't wearing a protective lab coat—instead, she had on a flammable synthetic sweatshirt. Somehow the stuff spilled onto her clothing, and she was engulfed in flames. Sangji died from her burns 18 days later, and UCLA officials bemoaned the "tragic accident" that killed her.

According to a recently completed government investigation, the fire could have been foreseen. On May 4, the California Division of Occupational Safety and Health cited the university for multiple "serious"—i.e., potentially life-threatening—violations, including its inability to show that Sangji had been trained to handle the dangerous substance and the lack of proper protective attire. UCLA's own safety officials had already faulted the lab on the latter issue back in October, but the problem went uncorrected. All told, Cal/OSHA imposed $31,875 in fines, which! the university did not contest.

The death of a healthy young woman from a chemical spill at a UCLA lab is deeply shocking. But the presence of flagrant safety violations at a major research university is no surprise. After reading about the Sangji incident and others like it, a columnist for the peer-reviewed journal Chemical Health and Safety wrote that he'd come to the "disheartening conclusion that most academic laboratories are unsafe venues for work or study." Though no one keeps comprehensive national statistics on laboratory safety incidents, James Kaufman, president of the Laboratory Safety Institute in Natick, Mass., estimates that accidents and injuries occur hundreds of times more frequently in academic labs than in industrial ones.

A depressing litany of news items backs up these observations: In 2005, a biology professor at Cleveland Stat! e University was electrocuted when he plugged in a light using an ungrounded plug. That same year, an explosion in a Stanford University lab critically injured a postdoctoral researcher. In 2006, Tufts University was fined by the federal OSHA after two lab technicians were exposed to potentially lethal botulinum toxin when one opened a centrifuge prematurely. Also in 2006, a nitrogen cylinder that had been tampered with exploded, causing extensive damage to a Texas A&M building (PDF). In 2008, an explosion in a University of Rochester laser lab left one employee seriously injured.

Why the difference! between industry and academe? For one thing, the occupational safety and health laws that protect workers in hazardous jobs apply only to employees, not to undergraduates, graduate students, or research fellows who receive stipends from outside funders. (As a technician, Sheri Sangji was getting wages and a W-2. If she'd been paying tuition instead, Cal/OSHA could not even have investigated her death.) Commercial firms, which have only employees, make workplace safety a top priority. In industry, a major incident can result in significant career damage and sometimes dismissal. The major scientific companies that do research comparable to that in university labs go so far as to make safety a line item on a lab chief's annual performance evaluation, so any significant safety violation becomes a permanent black mark. The safety of labs and their personnel thus becomes the personal responsibility of the lab chiefs and their superiors.

Academe doesn't work that way. The ! major federal funding agencies, which set the priorities for research on campuses across the country, don't even ask about a scientist's safety record before awarding funds, and neither do tenure and promotion committees. At most colleges and universities, the responsibility for lab safety falls to an office of health and safety that has little power over professors who are bringing in millions of dollars in grants. Even serious mishaps rarely damage lab chiefs' careers.

Academic culture tends to disdain the painstaking documentation of training and procedures in industrial labs, treating them as bureaucratic Mickey Mouse beneath the dignity of free-spirited investigators. Since what counts in academe is publishing papers and winning grants, any change will have to start with the people who control the research money. Federal funding agencies like the National Institutes of Health and the National Science Foundation should treat the welfare of the students, postdocs, and technicians who do the labor of American science with the same atte! ntion they afford experimental subjects and laboratory animals. As it stands, applicants are routinely asked to document the steps they will take to safeguard the people and vertebrate animals they'll be studying, but they needn't provide any information on how they'll protect the experimenters themselves. If the point of medical research is to save lives, then the NIH and NSF should insist—on pain of dismissal, like the chemical companies—that researchers follow all accepted safety procedures.

If Sheri Sangji's death is to mean anything, it must be that no lab chief—and certainly no federal agency—claiming to further human welfare ever again tolerates the risk of harm to lab workers. That means that university administrators from the provost on down must make safety a serious concern and a requirement for career advancement and hiring, and tenure and promotion committees must h! old faculty members responsible for seeing that everyone in their labs has the training, skills, and equipment needed to work safely. Funding agencies must make a good safety record and evidence of safety awareness real conditions for getting and keeping grants. Never again should academic research needlessly claim the life of a researcher.

Beryl Lieff Benderly is a Washington, D.C., science writer who writes the monthly "Taken for Granted" column on science policy and work force issues for the Web site of Science magazine.

Article URL: http://www.slate.com/id/2218825/

Copyright 2009 Washingtonpost.Newsweek Interactive Co. LLC

Monday, May 25, 2009

SunRun PPA

when we get a home of our own...

 
 

Sent to you by David via Google Reader:

 
 

via Cool Tools on 5/25/09

The cool tool here is creative solar financing. Solar-electric panels are pretty much a commodity, but still high priced. What's new is an innovative way for a homeowner to afford an expensive solar set up. Nine months ago I covered my studio roof with 5 kilowatts of solar panels financed by a solar company. We are generating about 85% of the electricity we use now. Here's how it works.

You sign up with a company that installs high-quality panels on your property for no money down. Zero dollars! On sunny days the panels make electrons which run your meter backwards. The quantity of panels are sized to cover about 80-90% of your current electric bill, so that you should be expected to pay the utility only 10-20% of what you pay now. In addition to the much smaller payment to your electric grid company you will also now pay the solar company a fee based on the number of watts you send into the grid. This is how they make money to cover the costs of installing the panels and their profit. The rates they will charge you per kilowatt will be less than the utility rates, so your total bill for electricity will be less each month. (Not zero, not half, but less.) Because the solar company makes money by how much electricity your panels produce they have a clear incentive to maintain the panels' performance and keep them clean and the inverters going. After 15-18 years, you own the panels and set up free and clear.

You could think of this as a lease-to-own option for solar panels, where the solar company's rents for electricity are cheaper than the utility grid's. Those cheaper rents are made possible in part by government solar subsidizes, which the solar company will claim on your behalf. But this is a business. While you may be generating 90% of your usage, because you are leasing the panels, your total combined bill will not be 90% less. It may only be 10% less per month. But since it costs you nothing or little up front, over 18 years that 10% adds up. In California, one company providing this zero down financing is SolarCity.

While I got a bid from SolarCity, we went with a slightly different deal from SunRun. Rather than zero down, we paid for half of the installation. That investment bought us a better rate for the electricity that we generate. In fact for the next 18 years we pay a fixed rate for electricity. The average California rate is expected to at least double, and we are projected to save $80,000 over 18 years. We could have gone all the way and bought the panels outright and then paid no lease. But we went with SunRub because this path requires either half, or no, down payment, and because SunRun specs out, installs, insures, owns and maintains the solar panels on our roofs. Also, they guarantee a certain level of output performance.

SolarDevice-sm.jpg

The actual rates that SunRun or SolarCity charge you depends on the particulars of your place -- the solar climate in your town, the pitch and orientation of your roof, potential shade, and local electric rates. Solar engineers use a really cool computerized tool (above) which takes a annualized panoramic to determine your solar potential. From this they can accurately predict your site's solar potential and lay out a design to maximize it by the hour. The image below was taken on the roof of my studio where our panels now lay.

Sky03AnnualAccess-sm.jpg

Solar panels these days are low profile (you can't see ours from the street), modular, and require a minimum penetration into the roof. (The picture at the beginning of this review shows the panels being installed on our roof.) Our 28 panels made it through the rainy season with no problems. If there is a problem, the owner -- SunRun -- takes care of it. (There are escrow mechanisms should SunRun go out of business.)

The technical term for this kind of financing is a "solar power purchasing agreement" or a Solar PPA. Solar PPAs were first used for commercial properties -- huge flat roofs converted for collecting electricity. SunRun, SolarCity and a few others have adapted solar PPAs for home residential use. Right now SunRun operates in California, Massachusetts, and Arizona. SolarCity, California and Arizona. SunPower seems to have dealers in many states, though I have not used them. Coverage is being expanded rapidly so it's worth rechecking. Here is a PDF document answering the FAQ on "whether a solar PPA is right for you."

Like a lot of folks, we've wanted solar electricity for a long while but the significant up-front costs of installing it didn't seem to make sense. Zero dollars down makes sense. Half down and a fixed 18-year rate makes sense.

And watching my daily stats on the SunRun website, seeing the meter run backwards, really makes sense.

SunRun

SolarCity

Solar Power Partners
Is Solar PPA Right For You?

Related Entries:
Solar Hot Water Systems Solar BoGoLight Self Reliance Journal


 
 

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Expensive Purchases Are Like Peacock Feathers, Except They Don't Work [Spending Habits]


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Expensive Purchases Are Like Peacock Feathers, Except They Don't Work [Spending Habits]

peacockGeoffrey Miller, an evolutionary psychologist at the University of New Mexico, says marketers are trying too hard to find a working model of why people spend money the way they do. It really comes down to the human equivalent of "cost signaling" in the animal world—a sort of "peacock feather" display that's supposed to tell peers and prospective mates how smart or sophisticated we are. The only problem is, other people never fall for it.

Suppose, during a date, you casually say, "The sugar maples in Harvard Yard were so beautiful every fall term." Here's what you're signaling, as translated by Dr. Miller:

"My S.A.T. scores were sufficiently high (roughly 720 out of 800) that I could get admitted, so my I.Q. is above 135, and I had sufficient conscientiousness, emotional stability and intellectual openness to pass my classes. Plus, I can recognize a tree."

[...]

Dr. Miller says that much of the pleasure we derive from products stems from the unconscious instinct that they will either enhance or signal our fitness by demonstrating intelligence or some of the Big Five personality traits: openness, conscientiousness, agreeableness, stability and extraversion.

To begin with, we had no idea there's a group of personality traits called the Big Five, and frankly we're disappointed that laziness and "revenge plotting" aren't in there, considering how much energy this writer devotes to those past times.

But back to evolutionary biology. One way Dr. Miller illustrates his theory is by testing whether people change their shopping habits after being primed by pictures of attractive mates. They do:

In a series of experiments, Dr. Miller and other researchers found that people were more likely to expend money and effort on products and activities if they were first primed with photographs of the opposite sex or stories about dating.

After this priming, men were more willing to splurge on designer sunglasses, expensive watches and European vacations. Women became more willing to do volunteer work and perform other acts of conspicuous charity - a signal of high conscientiousness and agreeableness, like demonstrating your concern for third world farmers by spending extra for Starbucks's "fair trade" coffee.

But the truly useful point made by Dr. Miller (at least from our perspective) is: all this signaling doesn't really work. He describes the misperception t...



~david

(sent via mobile device)

Sunday, May 24, 2009

Use Your Dishwasher Properly [How To]

yay! no more washing dishes before they go in the dishwasher!

 
 

Sent to you by David via Google Reader:

 
 

via Consumerist by Carey on 5/24/09

Listen parents, we told you all those years that cleaning the dishes before putting them in the dishwasher was silly and duplicative, and now we have the Times telling us we were right! Ha! Pre-rinsing dishes is "actually triple bad" according a "senior dishwasher design engineer," because dishwasher detergent exists to attack food, and when it doesn't find any, it instead attacks your glasses. It also wastes electricity and water. And that's not the only mistake most people make. Inside, the Times' tips for keeping your dishwasher happy...

  • Use The Right Detergent: Your dishes will come out cleaner if you use powder detergent over liquid or tablet detergent.
  • Load Dishes Properly: Put glasses along the side of the top rack, and saucers and cups in the middle. The durable stuff belongs on the bottom rack.
  • Avoid Clogs: Wash the spray arm once in a while to remove any clogs.
  • Use The Normal Cycle: Consumer Reports tests dishwashers using the normal cycle. Dishwasher makers know this and make it the most efficient cycle. Skip past pots and pans.
  • Flash Dry Your Dishes: Quickly dry your dishes by opening the dishwasher immediately after it shuts off. The hot dishes will quickly give up water moisture and should dry within ten minutes.

The Dish on Dishwashers [The New York Times]
(Photo: NJ Tech Teacher)


 
 

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