Friday, September 26, 2008

Housing Bubble and Cash for Trash

Op-Ed Columnist

Cash for Trash



Published: September 21, 2008

Some skeptics are calling Henry Paulson’s $700 billion rescue plan for the U.S. financial system “cash for trash.” Others are calling the proposed legislation the Authorization for Use of Financial Force, after the Authorization for Use of Military Force, the infamous bill that gave the Bush administration the green light to invade Iraq.
Paul Krugman


Readers' Comments

"If I were a home buyer who suffered foreclosure ... I would be furious that these lenders are now accepting discounted purchases of my defaulted loan..."
Scott Harrison, Austin, Texas

There’s justice in the gibes. Everyone agrees that something major must be done. But Mr. Paulson is demanding extraordinary power for himself — and for his successor — to deploy taxpayers’ money on behalf of a plan that, as far as I can see, doesn’t make sense.
Some are saying that we should simply trust Mr. Paulson, because he’s a smart guy who knows what he’s doing. But that’s only half true: he is a smart guy, but what, exactly, in the experience of the past year and a half — a period during which Mr. Paulson repeatedly declared the financial crisis “contained,” and then offered a series of unsuccessful fixes — justifies the belief that he knows what he’s doing? He’s making it up as he goes along, just like the rest of us.
So let’s try to think this through for ourselves. I have a four-step view of the financial crisis:
1. The bursting of the housing bubble has led to a surge in defaults and foreclosures, which in turn has led to a plunge in the prices of mortgage-backed securities — assets whose value ultimately comes from mortgage payments.
2. These financial losses have left many financial institutions with too little capital — too few assets compared with their debt. This problem is especially severe because everyone took on so much debt during the bubble years.
3. Because financial institutions have too little capital relative to their debt, they haven’t been able or willing to provide the credit the economy needs.
4. Financial institutions have been trying to pay down their debt by selling assets, including those mortgage-backed securities, but this drives asset prices down and makes their financial position even worse. This vicious circle is what some call the “paradox of deleveraging.”
The Paulson plan calls for the federal government to buy up $700 billion worth of troubled assets, mainly mortgage-backed securities. How does this resolve the crisis?
Well, it might — might — break the vicious circle of deleveraging, step 4 in my capsule description. Even that isn’t clear: the prices of many assets, not just those the Treasury proposes to buy, are under pressure. And even if the vicious circle is limited, the financial system will still be crippled by inadequate capital.
Or rather, it will be crippled by inadequate capital unless the federal government hugely overpays for the assets it buys, giving financial firms — and their stockholders and executives — a giant windfall at taxpayer expense. Did I mention that I’m not happy with this plan?
The logic of the crisis seems to call for an intervention, not at step 4, but at step 2: the financial system needs more capital. And if the government is going to provide capital to financial firms, it should get what people who provide capital are entitled to — a share in ownership, so that all the gains if the rescue plan works don’t go to the people who made the mess in the first place.
That’s what happened in the savings and loan crisis: the feds took over ownership of the bad banks, not just their bad assets. It’s also what happened with Fannie and Freddie. (And by the way, that rescue has done what it was supposed to. Mortgage interest rates have come down sharply since the federal takeover.)
But Mr. Paulson insists that he wants a “clean” plan. “Clean,” in this context, means a taxpayer-financed bailout with no strings attached — no quid pro quo on the part of those being bailed out. Why is that a good thing? Add to this the fact that Mr. Paulson is also demanding dictatorial authority, plus immunity from review “by any court of law or any administrative agency,” and this adds up to an unacceptable proposal.
I’m aware that Congress is under enormous pressure to agree to the Paulson plan in the next few days, with at most a few modifications that make it slightly less bad. Basically, after having spent a year and a half telling everyone that things were under control, the Bush administration says that the sky is falling, and that to save the world we have to do exactly what it says now now now.
But I’d urge Congress to pause for a minute, take a deep breath, and try to seriously rework the structure of the plan, making it a plan that addresses the real problem. Don’t let yourself be railroaded — if this plan goes through in anything like its current form, we’ll all be very sorry in the not-too-distant future.

Friday, September 12, 2008

Questions for Palin

Op-Ed Columnist

My Fair Veep



Published: September 9, 2008

WASILLA, Alaska

The rain in Spain stays mainly in the Arctic plain ...
I hope John McCain doesn’t throw his slippers at Sarah Palin’s head or get as acerbic as Henry Higgins did with Eliza Doolittle when she did not learn quickly enough. McCain’s Pygmalion has to be careful, because his Galatea might be armed with more than a sharp tongue.
For the first time in American history, we have a “My Fair Lady” moment, as teams of experts bustle around the most famous woman in politics, intensely coaching her for her big moment at the ball — her first unscripted interview here this week with ABC News’s Charlie Gibson.
Eliza, by George, got it and brought off the coup of passing herself off as a Hungarian princess rather than a Covent Garden flower seller. Sarah’s challenge is far tougher, and that’s why she’s pulling the political equivalent of an all-nighter. She doesn’t have to pass herself off as a different class or change her voice or be more highfalutin. The McCain campaign is reveling in its anti-intellectual tenor.
Sarah, who is now so renowned that she is known merely by one name and has a name ID of 90 percent, has to be a Kmart mom who appeals to Kmart moms and dads. She’s already shown that she can shoot the pig, put lipstick on it, bring home the bacon and fry it up in a pan. Now all she has to do is also prove that she can be the leader of the free world on a moment’s notice, and field dress Putin as adeptly as she can a moose.
After devilishly mocking Obama — and successfully getting into his head — with ads about how he was just a frothy celebrity, like Paris Hilton and Britney Spears, it turns out all the McCain camp wanted was an Obama of its own. Now that they have the electric Palin, they’ve stopped arguing that celebrity is bad. All they do is worship at her cult of celebrity. As Rick Davis, a top McCain adviser, said: “This election is not about issues. This election is about a composite view of what people take away from these candidates.”
Wasilla will be crawling with four groups — ABC staffers, frantically getting ready for the big showdown; McCain staffers, frantically tutoring Palin for the big showdown; McCain vetters, who are belatedly doing their job checking to see if Palin is a qualified White House contender and doing their best to shut down Troopergate and assembling a “truth squad” posse of Palinistas to rebut any criticism and push back any prying reporters; and journalists — from Sydney to Washington — who are here to draw back the curtain on the shiny reformer image that the McCain camp has conjured for their political ingĂ©nue and see what’s behind it.
Gibson has his work cut out for him. His problem isn’t coming up with a list of questions, but finding time to drill deeply enough into all the unknown territory of her life. It’s a task that dwarfs the drilling job the oil companies are doing on Alaska’s North Slope.
In the end, none of it may matter, since Palin has rocketed in the polls, drawing women and men with her vapid — if vivacious and visceral — scripted cheerleading. But if you’re reading this, Charlie, we want to know everything, including:
What kind of budget-cutter makes a show of getting rid of the state plane, then turns around and bills taxpayers for the travel of her husband and kids between Juneau and Wasilla and sticks the state with a per-diem tab to stay in her own home?
Why was Sarah for the Bridge to Nowhere before she was against the Bridge to Nowhere, and why was she for earmarks before she was against them? And doesn’t all this make her just as big a flip-flopper as John Kerry?
What kind of fiscal conservative raises taxes and increases budgets in both her jobs — as mayor and as governor?
When the phone rings at 3 a.m., will she call the Wasilla Assembly of God congregation and ask them to pray on a response, as she asked them to pray for a natural gas pipeline?
Does she really think Adam, Eve, Satan and the dinosaurs mingled on the earth 5,000 years ago?
Why put out a press release about her teenage daughter’s pregnancy and then spend the next few days attacking the press for covering that press release?
As Troopergate unfolds here — an inquiry into whether Palin inappropriately fired the commissioner of public safety for refusing to fire her ex-brother-in-law — it raises this question: Who else is on her enemies list and what might she do with the F.B.I.?
Does she want a federal ban on trans fat in restaurants and a ban on abortion and Harry Potter? And which books exactly would have landed on the literature bonfire if she had had her way with that Wasilla librarian?
Just how is it that Fannie and Freddie have cost taxpayers money (since they haven’t yet)?
Does she talk in tongues or just eat caribou tongues?
What does she have against polar bears?

Monday, June 30, 2008

Torture by the US - From the NYT

Op-Ed Columnist

All Too Human


Published: June 28, 2008



Thursday was the 21st anniversary of the United Nations Convention Against Torture.

It was also the same day that two Bush administration lawyers appeared before a House subcommittee to answer questions about their roles in providing the legal framework for harsh interrogation techniques that inevitably rose to the level of torture and shamed the U.S. before the rest of the world.
The lawyers, both former Justice Department officials, were David Addington, who is now Dick Cheney’s chief of staff, and John Yoo, now a law professor at the University of California, Berkeley. There is no danger of either being enshrined as heroes in the history books of the future.
For most Americans, torture is something remote, abstract, reprehensible, but in the eyes of some, perhaps necessary — when the bomb is ticking, for example, or when interrogators are trying to get information from terrorists willing to kill Americans in huge numbers.
Reality offers something much different. We saw the hideous photos from Abu Ghraib. And now the Nobel Prize-winning organization Physicians for Human Rights has released a report, called “Broken Laws, Broken Lives,” that puts an appropriately horrifying face on a practice that is so fundamentally evil that it cannot co-exist with the idea of a just and humane society.
The report profiles 11 detainees who were tortured while in U.S. custody and then released — their lives ruined — without ever having been charged with a crime or told why they were detained. All of the prisoners were men, and all were badly beaten. One was sodomized with a broomstick, the report said, and forced by his interrogators to howl like a dog while a soldier urinated on him.
He fainted, the report said, “after a soldier stepped on his genitals.”
Officials at Physicians for Human Rights said extensive medical and psychological examinations were conducted — and in two cases prior medical records were consulted — to help corroborate the testimony of the detainees. The organization has a long and credible history of documenting such abuses.
Leonard Rubenstein, president of Physicians for Human Rights, said: “In doing the evaluations, we used international standards, medical assessments of torture and ill treatment, and meticulously assessed physical and psychological evidence of torture and ill treatment, and the long-term physical and mental health consequences.”
The most effective element of the report is the way in which it takes torture out of the realm of the abstract to show not just the horror and cruelty of the torture itself, but the way in which it absolutely devastates the body, soul and psyche of its victims.
The detainees profiled in the report were abused at facilities in Afghanistan, Iraq and Guantánamo Bay, Cuba. Three said they had been subjected to electric shocks. One said he was stabbed in the cheek with a screwdriver and hit in the head and in the jaw with a rifle.
In an example of how medical evidence was used to back up a detainee’s account, the report said scarring on one of the prisoner's thumbs “was highly consistent with the scarring caused by electric shock.”
In addition to the physical mistreatment, the detainees reported that various gruesome forms of humiliation, including sexual humiliation, were pervasive. They said men were paraded nude in front of female soldiers, forced to watch pornography, and forced to disrobe before female interrogators.
The sheer number of different ways in which detainees were reported to have been abused was mind-boggling. They were deprived of sleep, forced to endure extremes of heat and cold, chained in crouching positions for 18 to 20 hours at a time, told that their female relatives would be raped, that they themselves would be killed, and on and on. All to no good end.
The ostensible purpose of mistreating prisoners is to inflict pain and induce disorientation and despair, creating so much agony that the prisoners give up valuable intelligence in order to end the suffering. But torture is not an interrogation technique; it’s a criminal attack on a human being.
What the report makes clear is that once the green light is given to torture, the guaranteed result is an ever-widening landscape of broken bodies, ruined lives and profound shame to all involved.
Nearly all of the detainees profiled in the report have experienced excruciating psychological difficulties since being released. Several said that they had contemplated suicide. As one put it: “No sorrow can be compared to my torture experience in jail. That is the reason for my sadness.”
Congress and the public do not know nearly enough about the nation’s post-Sept. 11 interrogation practices. When something as foul as torture is on the table, there is a tendency to avert one’s eyes from the most painful truths.
It’s a tendency we should resist.

Monday, April 14, 2008

Notes on Kissing from a Craigslist Posting

From the Craigslist "Best of Nashville"

The first key to a good kiss is your attitude. The kiss is not some golden base to be raced to, but neither is it simply a minor step on the way to more. If done correctly, a kiss will send your lady’s heart racing, make her breath uneven, and have her dragging you to the bedroom. A kiss should never be rushed, and should never be just unloaded like a suitcase at the door. A good kiss will be an exercise in teasing – holding up the promise of that little bit more, until she’s practically begging for your touch.

Before your lips ever touch, take some time to build up to a good kiss. You don’t want to spring it on her like some unpleasantness to be gotten out of the way. The kiss starts with your hands, not your mouth. Touch her. Hold her hand. Rub her arm, if she likes it. Rub her shoulders, if she likes that. This gives you an excuse to be close to her, and leads her to anticipate your kiss. And don’t kiss her as soon as you think you can get away with it, or turn a quick hug into a guerrilla smooch. You’ll know when she’s ready – she’ll turn to face you, and perhaps bare her neck to you – that’s because she’s turning her head to an angle, even if she doesn’t know it. And she’ll lean toward you, trying to line it up. At least the first time, ignore it. Play with her hair or run your finger along her jawline. Move up close. If you’ll listen, her breathing will be shallow and quick, if she’s really concentrating on kissing you. Take a moment to enjoy the pleasant way she smells, or how soft the skin is on her cheek.

And whatever you do, don’t yet open your mouth. A proper kiss starts with lips closed, pursed even. There’s no reason it should start lip to lip, either. Remember appreciating the soft skin of her cheek? It’s soft because it’s meant to be kissed. The corner of her mouth is soft, too – kiss there. You’ve chased her to get to this point – let her chase you a little. Kiss anywhere except where she expects you to, at least three touches, maybe more. Then kiss lip to lip – and still with your mouth closed. There’s no hurry – eventually let your tongue steal out and just barely brush her lips. If she’s ready for a more open kiss, she’ll open and respond in kind. Let her invite you inside – don’t go barging in, guys – it’s not your house. And invite her to follow you back home, so to speak. There’s no bonus points for counting each others’ back teeth. Finesse is what it’s all about.

Now there’s some variation here that you have to consider. Some people prefer soft kisses, almost mushy. Warm and moist and soft, like pillows. Others lean toward tighter lips and firmer kisses, or somewhere between the two extremes. If you sense her lips getting really tight, you’re too mushy. And if she goes really soft, you’re probably so firm you’re hurting her. Adjust until you’re both on the same level. Everyone will have a difference place where they feel comfortable – every couple will be different.

Another thing to thing about ahead of time is taste. Everyone knows to avoid the onions before kissing. But don't just avoid a bad taste - go for the good taste! Try some chocolate, or some minty gum. One of the best kisses I ever experienced was with a man who was drinking red wine. I was drinking something else, and when I tasted him... mmm.... Go for a pleasant taste that contrasts nicely.

If you start your kiss with some anticipation, and build it slowly, paying attention to cues from her – short shallow breaths, trembling limbs, whatever – you’ll have her attention. Take the time to tease a little – hold back what she really wants for just a moment longer, kiss around her mouth, make her take the aggressive stance. If you’re having trouble being patient, make a competition of it – can you make her break it off first? If you can, she’ll be breaking it off to move on to more athletic activities.

Monday, March 24, 2008

Women Who Have Run for President

I found the following in an article from In These Times, and wanted to capture the history of women running for president.

Excerpt From: "Cutting Women Out: The media’s bias against female presidential candidates"
By Erika Falk
February 25, 2008
Though the mainstream media tend to frame women who run for president as novelties, they are not. Women have led nations such as Canada, France and the United Kingdom, not to mention Turkey, Pakistan, Sri Lanka and many others. In fact, there have been so many historical and contemporary women heads of state that one has to scroll through pages to get a complete list.
Here at home, women have been running for the presidency since before universal suffrage, as Woodhull’s candidacy demonstrates.
In his comprehensive list of people who have run for president, James Havel, author of U.S. Presidential Candidates and the Elections: A Biographical and Historical Guide, included more than 100 women’s names. Some of these women were serious candidates, qualified for federal primary matching funds, and even received substantial press coverage. Here are a few:
Woodhull ran as the Equal Rights Party candidate in 1872. She owned her own newspaper, was the first woman stockbroker on Wall Street, and presided over and supported her extended family.
The second woman to run for president was Belva Lockwood in 1884. As an attorney and partner in her own firm, and as the first woman to practice law before the U.S. Supreme Court, she had a profession consistent with those of other presidential candidates. Lockwood had also campaigned for presidential candidate Horace Greeley, and drafted a piece of legislation making it illegal to take into account a person’s sex in determining pay for civil servants. Congress later passed the bill.
Former Sen. Margaret Chase Smith (R-Maine) sought the presidential nomination of the Republican Party and was the first woman already holding federal office to run. She ran in 1964 after serving nine years in the House and 15 years in the Senate. Smith placed third in popular votes in the Republican primary, but she received only 27 delegate votes at the convention that ultimately nominated Barry Goldwater.
In 1988, former Rep. Patricia Schroeder (D-Colo.), a Harvard-educated attorney who had served in Congress for eight terms, ran for president. At the time, she was a senior member of the House Armed Services Committee.
Twelve years later, Elizabeth Dole sought the Republican nomination. Also a Harvard-educated lawyer, Dole had served in the cabinet of two different presidential administrations (as secretary of transportation and secretary of labor) and had executive experience as president of the American Red Cross. She is currently a U.S. senator from North Carolina.
In 2004, former Sen. Carol Moseley Braun (D-Ill.) ran for president, making her the most recent woman to seek the nomination until Clinton’s 2007 declaration. A Chicago native, Moseley Braun had served six years as an assistant U.S. attorney, 10 years in the Illinois House of Representatives and one term as U.S. senator. She was the ambassador to New Zealand during President Clinton’s administration.

Friday, February 01, 2008

Info from Zen Habits

30 Things to Do to Keep From Getting Bored Out of Your Skull at Work
The war between being and nothingness is the underlying illness of the twentieth century. Boredom slays more of existence than war. - Norman Mailer
I’m not one to get bored, ever … but a number of readers have written in with the question: What do I do if I’m bored out of my skull at work?
It gave me pause, to think about why I can’t recall ever getting that bored at work. And I realized: I always keep myself busy, doing something, whether it’s productive or not.
Sometimes, I’m creating a new project, or improving myself somehow … but sometimes I just find interesting stuff to read online or find a cool solitaire game to play. (Well, I haven’t played any games in awhile, but Freecell used to be my poison of choice a few years ago.)
So the short answer: just find things to entertain yourself. Keep your mind busy. Challenge yourself. Talk to somebody. Break out of your mold.
The longer answer has to do with analyzing why you’re bored in the first place. Is your job that boring? Are you really doing what you want to be doing? Is there a way to start pursuing something better? Or are you already in a great job, but something or someone is holding you back? And what can you do to improve the situation?
I’m not going to pursue the longer answer in this post, but give you some ideas for the shorter answer. It’s not an exhaustive list of ideas. Just some things I’ve done to keep my mind busy — pick and choose those that might work for you.
Create a new challenge. I think this is by far the best thing on the list, but you may differ. Many times we’re bored because we don’t have a challenge — things are too easy or routine. So instead of waiting for someone to create a challenge for you, do it yourself. How can you challenge yourself? Set a new goal at work. Challenge yourself to produce more than ever. Explore new projects. Set personal goals and pursue them. Whatever excites you.
Pursue your next job. If your job is so boring you don’t know what to do with yourself, you may need to move on. But instead of quitting right away, start lining up your next gig first. Look around for openings, call people, update your resume and submit it to a few places, pick up a few applications, send out some email feelers. Find something that will never get you bored, something you’ll be passionate about.
List your life goals. What is it you want to accomplish in life? Not just with work, but personally? If you’ve listed them before, it’s always good to update them. Then choose one of those goals to achieve this year. Now think about what you can do today to move closer to that goal, even if it’s just a small thing. Get the ball rolling. Do this every day — move yourself closer to that goal.
Read Zen Habits. Or whatever your favorite distraction is. If it’s something that will improve your life, even better. Just limit how long you read at one time, so you’re not reading through the Zen Habits archives in one sitting.
Declutter your workspace. If I’ve got nothing better to do, I’ll clear off my desk (if there’s anything there), or start looking around critically at everything in view and asking myself, “Does that really need to be there? How can I simplify this?” Weird, I know, but I have an oddly uncluttered workspace. Right now my desk is a table, my iMac, an nothing else. No files, no papers, no office supplies, nothing. Everything is done on my computer, and I love it that way. Nothing on my walls. You may not need anything as spartan as that, but decluttering can be a lot of fun.
Pursue a hobby. My hobby (until it became a profession) was blogging … I would do it at work in my spare time, or before or after work. Not everyone can pursue their hobby at work — the model airplane glue might bother your coworkers, for example — but sometimes you can just read about it while at work. I was upfront about my blogging and freelancing at work with my boss, btw, but many people get away with doing it on the sly. I won’t make a recommendation, but just don’t get fired.
Make your work a game. You can make a game out of anything. See how many widgets you can crank in 10 minutes. Pretend that your coworkers are evil villains. Imagine that you are a CIA agent in disguise, and no one knows. Or a fairy princess. Whatever floats your boat. :)
Educate yourself. On Guam, this is called “edumacation” — it’s not a real word, but we like to play with English. Whatever you call it, you can improve your knowledge online in any area — whether that be work-related or not. Be your own college instructor. Wikipedia is a great place to start, but if you’re going to have a specialized knowledge in anything, branch out from there.
Improve your skills. Along the same lines: choose a skill that needs sharpening, and challenge yourself to get better at it. Whether that’s computer programming, writing, working with Adobe InDesign, or whatever. Perfect your skills — you can use it to further your career, get a new job, or become self-employed. Or just have the satisfaction of knowing you’re the best you can be at that skill.
Play Sudoku. Perhaps not the most intellectual game of all time, or the most exciting … but I still find it a lot of fun. I only played it a little while and didn’t get addicted like other people I know, but I have to admit it’s a fun way to pass the time.
Choose a soothing desktop picture. I like to do this when I’m procrastinating. I will go online, to flickr or some desktop wallpaper website and browse around until I find a very simple, soothing picture. I do this maybe every month or so. In fact, I’m going to go do that right now!
Do some pushups and crunches. If you’re bored, you might as well start getting in shape. You can do pushups and crunches right there on the floor next to your desk (or go outside if you’re worried about your coworkers seeing you). Or walk up some steps, or do squats and lunges without weights, or dips in your chair, or butt squeezes (that means squeeze your own butt, not your coworkers’).
Take a day or two off. Sometimes you just need to refresh yourself, recharge your batteries before starting again. Don’t do any work while you’re out. Veg out, or read, or sleep, or exercise, or whatever. Get your mind off work. Think about your priorities. Get out in nature. Reconnect with your life.
Take a walk. Often this is all I need, especially if I’ve been sitting all day and my blood is pooling up in my butt and legs. I need to get that blood circulating! Go outside, walk around, look at people, look at nature, think about your day and your life and the people in it.
Drink some water. Dehydration can make us tired and sluggish. Water can refresh us. Keep that water coming all day long — you may need to pee more though.
Call a loved one. What better time to call someone to catch up, to tell them you love them, to just say hi … than when you’ve got nothing better to do. It’s a nice way to stay connected.
Read. I like to carry a novel everywhere I go. Then I whip it out anytime I have spare time, waiting at the doctor’s office, in line at the post office, driving in the Indy 500 … you know. If not a novel, carry around a “to read” folder with stuff you want or need to read but don’t have time for right now … then whip it out at your desk when you’re bored. You could have a “to read” folder on your computer too.
Start writing your novel. Many of us have a novel that’s tossing itself around in our heads and hearts, waiting to come out. Well, start getting it out, mister. Just start by writing some notes, thinking about characters and plot and what the hell this book is about anyway. It’s not going to come out by itself.
Take a nap. If you don’t have a good place to do this, you can curl up under your desk with a sweater, or go to your car and sleep. I’ve learned how to fall asleep at my chair, but thank goodness I’m working at home and can go to the couch in a napping emergency.
Create a new project or role. If things are stagnating at work, start something new. Create and innovate. What can you do that has a lasting impact for your company and for yourself, for your career? If you’re stuck in a dead-end role, create a new role for yourself. It doesn’t matter if it’s not in the job description. Find something that’s not being done by someone else, something that needs to be done or that hasn’t been thought of yet, but that would really benefit the company — and take it upon yourself to do it. You might need to talk to your boss, but sometimes you can just start doing something and inform the higher-ups later. If it’s good for the company, and if they’re smart, they’ll be happy.
Write a love letter. If you have a significant other, write a letter telling them why you love them. They’ll love it. Email is fine, but pen and paper are even better.
Do one small thing to make yourself wealthier. That might be creating a savings account if you don’t have one yet, or setting up an automatic transfer between checking and savings every payday, or researching a money market fund or index fund, or simply reading Get Rich Slowly or The Simple Dollar for personal finance basics.
Write a blog post. This is something I love to do when things get slow. I’ll just call up a text file and start writing. I love lists, of course (you guys should know that by now), so often I’ll just start making a list, and writing down my thoughts. If things are really slow, I’ll do the whole blog post. I can always post it later if necessary. Make sure you love what you’re writing about.
Do an errand. This can either be in the office (”Where’s that ink cartridge I’ve been needing all week?”) or outside the office (”I really should buy toilet paper today!”). It gets you moving, it gets you away from the scene of your boredom, and it accomplishes something useful.
Update your personal finances. I used to track my finances through Microsoft Money, but I’ve since switched to using a Google spreadsheet, so that it’s online and accessible from anywhere. I considered other online solutions, but personally, I like to keep things as simple as possible. However you do it, it’s a good idea to update your financial tracking system once a week or so, so that you know where you stand and you don’t overspend. Got some spare time? Update.
Meditate at your desk. Some people would say this is just a fancy term for taking a nap. But for me the key is not to fall asleep, but to close my eyes and focus on my breathing. Nothing new-agey about this — it brings your focus back to the present and calms you. Sometimes it’ll calm you so much you’ll fall asleep. I say, two birds, one stone.
Organize your files. OK, this might seem boring to many people, but I like to organize things. I get a perverse satisfaction from purging useless stuff and having everything be smaller, neater, and in order. And it doesn’t take long.
Clear out your inbox. I get joy out of an empty inbox, whether that’s my email inbox or physical one. Crank through it until it’s empty — you don’t have to do everything in the inbox, but just make a note of it on your to-do list if you plan to do it later (or delete, file, forward, or do it now). Got a thousand or two emails in your inbox? Put them in a temporary folder and do them later, starting with a fresh inbox. Chances are, you won’t need to do them at all. Now just keep your inbox empty from here on out.
Crank up the tunes. Some funky or upbeat tunes might just do the trick. They can make any job much more fun. Either play it on your speakers if your coworkers don’t mind, or plug in the earbuds. Currently on my playlist: Radiohead, Clap Your Hands Say Yeah, the Yeah Yeah Yeahs, Jack Johnson, Snow Patrol … I could go on and on.
Get wild! Sometimes we just need to let loose. Start singing at the top of your lungs, or dance around the office. Sure, people might stare or laugh, but a little fun in the office isn’t a bad thing. Or get out of the office and do something fun or crazy. One afternoon of wildity isn’t going to hurt you (well, stay away from things that are illegal or life-threatening, if possible).

The cure for boredom is curiosity. There is no cure for curiosity. - Dorothy Parker

Friday, April 20, 2007

Energy saving tips


EASY ENERGY-SAVING HABITS (Free!)
Don't forget the basics. This simple stuff will save energy -- and money -- right now.


Unplug

Unplug seldom-used appliances, like an extra refrigerator in the basement or garage that contains just a few items. You may save around $10 every month on your utility bill.

Unplug your chargers when you're not charging. Every house is full of little plastic power supplies to charge cell phones, PDA's, digital cameras, cordless tools and other personal gadgets. Keep them unplugged until you need them.

Use power strips to switch off televisions, home theater equipment, and stereos when you're not using them. Even when you think these products are off, together, their "standby" consumption can be equivalent to that of a 75 or 100 watt light bulb running continuously.

Set Computers to Sleep and Hibernate
Enable the "sleep mode" feature on your computer, allowing it to use less power during periods of inactivity. In Windows, the power management settings are found on your control panel. Mac users, look for energy saving settings under system preferences in the apple menu.

Configure your computer to "hibernate" automatically after 30 minutes or so of inactivity. The "hibernate mode" turns the computer off in a way that doesn't require you to reload everything when you switch it back on. Allowing your computer to hibernate saves energy and is more time-efficient than shutting down and restarting your computer from scratch.

Take Control of Temperature

Set your thermostat in winter to 68 degrees or less during the daytime, and 55 degrees before going to sleep (or when you're away for the day). During the summer, set thermostats to 78 degrees or more. (Click here for a more detailed summer energy-saving tip.)

Use sunlight wisely. During the heating season, leave shades and blinds open on sunny days, but close them at night to reduce the amount of heat lost through windows. Close shades and blinds during the summer or when the air conditioner is in use or will be in use later in the day.

Set the thermostat on your water heater between 120 and 130 degrees. Lower temperatures can save more energy, but you might run out of hot water or end up using extra electricity to boost the hot water temperature in your dishwasher.

Use Appliances Efficiently

Set your refrigerator temperature at 38 to 42 degrees Fahrenheit; your freezer should be set between 0 and 5 degrees Fahrenheit. Use the power-save switch if your fridge has one, and make sure the door seals tightly. You can check this by making sure that a dollar bill closed in between the door gaskets is difficult to pull out. If it slides easily between the gaskets, replace them.

Don't preheat or "peek" inside the oven more than necessary. Check the seal on the oven door, and use a microwave oven for cooking or reheating small items.

Wash only full loads in your dishwasher, using short cycles for all but the dirtiest dishes. This saves water and the energy used to pump and heat it. Air-drying, if you have the time, can also reduce energy use.

In your clothes washer, set the appropriate water level for the size of the load; wash in cold water when practical, and always rinse in cold.

Clean the lint filter in the dryer after each use. Dry heavy and light fabrics separately and don't add wet items to a load that's already partly dry. If available, use the moisture sensor setting. (A clothesline is the most energy-efficient clothes dryer of all!)

Turn Out the Lights

Don't forget to flick the switch when you leave a room.

Remember this at the office, too. Turn out or dim the lights in unused conference rooms, and when you step out for lunch. Work by daylight when possible. A typical commercial building uses more energy for lighting than anything else.

Monday, January 29, 2007

Eating Principles

From The New York Times, Jan. 29, 2007, Michael Pollan, The Omnivore's Dilemma

the simple principles of healthy eating

1. Eat food. Though in our current state of confusion, this is much easier said than done. So try this: Don’t eat anything your great-great-grandmother wouldn’t recognize as food. (Sorry, but at this point Moms are as confused as the rest of us, which is why we have to go back a couple of generations, to a time before the advent of modern food products.) There are a great many foodlike items in the supermarket your ancestors wouldn’t recognize as food (Go-Gurt? Breakfast-cereal bars? Nondairy creamer?); stay away from these.
2. Avoid even those food products that come bearing health claims. They’re apt to be heavily processed, and the claims are often dubious at best. Don’t forget that margarine, one of the first industrial foods to claim that it was more healthful than the traditional food it replaced, turned out to give people heart attacks. When Kellogg’s can boast about its Healthy Heart Strawberry Vanilla cereal bars, health claims have become hopelessly compromised. (The American Heart Association charges food makers for their endorsement.) Don’t take the silence of the yams as a sign that they have nothing valuable to say about health.
3. Especially avoid food products containing ingredients that are a) unfamiliar, b) unpronounceable c) more than five in number — or that contain high-fructose corn syrup.None of these characteristics are necessarily harmful in and of themselves, but all of them are reliable markers for foods that have been highly processed.
4. Get out of the supermarket whenever possible. You won’t find any high-fructose corn syrup at the farmer’s market; you also won’t find food harvested long ago and far away. What you will find are fresh whole foods picked at the peak of nutritional quality. Precisely the kind of food your great-great-grandmother would have recognized as food.
5. Pay more, eat less. The American food system has for a century devoted its energies and policies to increasing quantity and reducing price, not to improving quality. There’s no escaping the fact that better food — measured by taste or nutritional quality (which often correspond) — costs more, because it has been grown or raised less intensively and with more care. Not everyone can afford to eat well in America, which is shameful, but most of us can: Americans spend, on average, less than 10 percent of their income on food, down from 24 percent in 1947, and less than the citizens of any other nation. And those of us who can afford to eat well should. Paying more for food well grown in good soils — whether certified organic or not — will contribute not only to your health (by reducing exposure to pesticides) but also to the health of others who might not themselves be able to afford that sort of food: the people who grow it and the people who live downstream, and downwind, of the farms where it is grown.
“Eat less” is the most unwelcome advice of all, but in fact the scientific case for eating a lot less than we currently do is compelling. “Calorie restriction” has repeatedly been shown to slow aging in animals, and many researchers (including Walter Willett, the Harvard epidemiologist) believe it offers the single strongest link between diet and cancer prevention. Food abundance is a problem, but culture has helped here, too, by promoting the idea of moderation. Once one of the longest-lived people on earth, the Okinawans practiced a principle they called “Hara Hachi Bu”: eat until you are 80 percent full. To make the “eat less” message a bit more palatable, consider that quality may have a bearing on quantity: I don’t know about you, but the better the quality of the food I eat, the less of it I need to feel satisfied. All tomatoes are not created equal.
6. Eat mostly plants, especially leaves. Scientists may disagree on what’s so good about plants — the antioxidants? Fiber? Omega-3s? — but they do agree that they’re probably really good for you and certainly can’t hurt. Also, by eating a plant-based diet, you’ll be consuming far fewer calories, since plant foods (except seeds) are typically less “energy dense” than the other things you might eat. Vegetarians are healthier than carnivores, but near vegetarians (“flexitarians”) are as healthy as vegetarians. Thomas Jefferson was on to something when he advised treating meat more as a flavoring than a food.
7. Eat more like the French. Or the Japanese. Or the Italians. Or the Greeks. Confounding factors aside, people who eat according to the rules of a traditional food culture are generally healthier than we are. Any traditional diet will do: if it weren’t a healthy diet, the people who follow it wouldn’t still be around. True, food cultures are embedded in societies and economies and ecologies, and some of them travel better than others: Inuit not so well as Italian. In borrowing from a food culture, pay attention to how a culture eats, as well as to what it eats. In the case of the French paradox, it may not be the dietary nutrients that keep the French healthy (lots of saturated fat and alcohol?!) so much as the dietary habits: small portions, no seconds or snacking, communal meals — and the serious pleasure taken in eating. (Worrying about diet can’t possibly be good for you.) Let culture be your guide, not science.
8. Cook. And if you can, plant a garden. To take part in the intricate and endlessly interesting processes of providing for our sustenance is the surest way to escape the culture of fast food and the values implicit in it: that food should be cheap and easy; that food is fuel and not communion. The culture of the kitchen, as embodied in those enduring traditions we call cuisines, contains more wisdom about diet and health than you are apt to find in any nutrition journal or journalism. Plus, the food you grow yourself contributes to your health long before you sit down to eat it. So you might want to think about putting down this article now and picking up a spatula or hoe.
9. Eat like an omnivore. Try to add new species, not just new foods, to your diet. The greater the diversity of species you eat, the more likely you are to cover all your nutritional bases. That of course is an argument from nutritionism, but there is a better one, one that takes a broader view of “health.” Biodiversity in the diet means less monoculture in the fields. What does that have to do with your health? Everything. The vast monocultures that now feed us require tremendous amounts of chemical fertilizers and pesticides to keep from collapsing. Diversifying those fields will mean fewer chemicals, healthier soils, healthier plants and animals and, in turn, healthier people. It’s all connected, which is another way of saying that your health isn’t bordered by your body and that what’s good for the soil is probably good for you, too.

Wednesday, January 17, 2007

Roadblock

I have a massive headache today. I developed it in the past hour and a half, and it's keeping me from going to the gym...again. I didn't make it there yesterday b/c I left all my gym stuff in my car.

I'm taking the Marta this week, and had planned to have a completely car-free week. Things have not gone as planned. I'm driving to the Marta, and to whereever else I regularly go, outside of work. I will be taking the bus today to go to a co-worker's house for our new quilting group, so that's something.

I'd like to try a car-free week, for real, and see what it's like. I have to wake up earlier to make that happen. The walk to the Marta is about 20 minutes, or a 10 minute bike-ride. It just turned so cold recently, so it makes it harder to get up early and go outside.

I do get more exercise taking the Marta, even if I don't walk all the way to it. There are more stairs to climb, and a trek from the station to work. It makes me feel a little better.

Tuesday, January 16, 2007

The feminist review...

I recently signed up to be a reviewer for this website called the Feminist Review (http://feministreview.blogspot.com/). I think it's a really cool idea and I've been wanting to flex my brain a little bit more.

They sent me two things to review, a CD and a book. I've listened to the Cd and all I want to write in my review is that it is AWFUL! I don't want to waste anymore time on it than I already have. But I have to do it justice, and write out why it sucks. Ugh.

The book so far is interesting--short, but not bad. It's missing some background info that would have been really helpful, but I guess I'll put that in the review.

I'm not anticipating having to review the CD. But I need to suck it up and get it done. Blgh.

I'm back!

Yeah, that's right. I'm back on again. After a slow start, I figured out that I've got some stuff to say. Mainly, I've just got the need to write things out, do my own bit of therapy, and keep track of how things are going.

I was reading a blog of a friend of mine, and got an idea of how these things work. I'll see how this goes for me, and if I keep it up.

It's the end of the work day, and I need to decide if I'm going to go work out, which is a new year's resolution. I'm not far from the gym, and I always feel better once I'm finished. I think I'll probably do it.

This morning at work, I was really on the ball with getting out emails and taking care of everything. Now I've fizzled out. I've been feeling really un-teathered today, all week, all month! What is it that I'm doing here?

I'm looking pretty awesome today. It took me a while to figure out my outfit, but I like it. With the cold weather change, I layered a sweater over a long-sleeve button-up shirt and I'm even wearing long-johns under my pants! The colors are great--purple sweater and tan shirt over plaid pants. Unfortunately, it's not that cold here in Georgia. I've been having to take my sweater off all day, and keep my office window cracked open. But I do look good.

I realized that when i last set up this blog, I named it after my cats, Daisy and Clover. Sweet clover passed away from cancer in May. Daisy has gotten a lot closer to me since Clover died, and I think she likes being alone. However, I just got a new kitten this month and named her Pumpkin. She's a sweetie. Daisy is not happy.

Well, I better get on to the gym. That is, if i don't convince myself otherwise as I walk out the door.

SAS

Wednesday, April 13, 2005

Hello!

I just created this blog to post a message on my brother's, so this first posting doesn't have much to say until I figure things out a little more.