Eco-Friendly Playground, a lesson in Patience

The time has come to create a playground for your great-grandchildren, so they too can live well.

"The key to everything is patience. You get the chicken by hatching the egg, not by smashing it."
-Arnold H. Glasgow

~****BLING****~

So I was inspired by Lona's ebay adventures in Thailand and decided to buy a fabulous gem from the far east. I, however decided to go with FEDEX delivery instead of on a sea turtle's back. I've been dreaming of a fabulously garish and huge morganite cocktail ring. I won this 10.3 carat morganite on ebay. I was astounded when it arrived 3 days later! Morganite is a beryl like aquamarine and emerald only pink. Unfortunately my budget doesn’t allow for a Leon Mege creation like the lovely bauble that inspired me above, but I think I will get another ebay jeweler to make a custom setting for it.

For those of you not familiar with Lona’s purchase, she won a 14k alexandrite and diamond ring for $9.99 including shipping from Thailand! She received this response from the vendor:

dear friend

item need take 10-20 days for arriving so i wish you can waiting for some days ,if not receive after some days and you can go to local post office for checking ,

and you not receive items after checking then i think item may be miss on road so i will resend or refund full money

so donot worried

any question i will solve it

because you are my god

looking forward to reply

god bless your family

best wishes

nice day

Hip Hop pt. 2 Kickin' it old school

N.W.A - Express Yourself

Living well on two wheels

This morning when I went out to start my scooter, it had not been started for quite a while due to weather, vacation and other issues. It would start briefly then pooh out. I'm learning about IC engines so I suppose it is a fuel problem probably caused by the float.

This brings me to living WELL on two wheels: I have two two-wheelers. I just started the always startable motorcycle and went on my way. Redundancy is part of living well. The remainder of this post has been redacted in the interest of political correctness.

Credit is a cruel mistress

The whole credit industry defies any logical sense. There are so many things wrong with it that I don’t even know where to begin. Firstly let’s start with how credit bureaus are allowed to tabulate and sell your credit report, but they charge you to see the information that consists of your most personal details. I had some inaccuracies in my credit report, and it gives you the option to say “this is wrong” and they’ll remove it, but they don’t give you the opportunity to actually correct it. Next, is the predatory lending practices, they want you to get into debt, which according to their scoring system you have to do over and over again if you ever want to be able to buy a house. Their scoring system punishes you for being so solvent you don’t have to use debt. You could make $200k a year, never be late on a bill, pay for your car with cash and they will decide you are “high risk”, whereas someone who needs to use debt repeatedly to afford their lifestyle gets rewarded. I have a $7000 limit on my credit card, which is more than ample. However my score is calculated by judging my debt-to-credit ratio. Since I have $4000 on my statement this month my score is penalized for using more than 50% of my available debt even though I will pay it totally off when my bill is due. The only way to avoid this negative mark, was to request them to double my line of credit which they happily obliged, of course. So even though I will likely never charge $14,000 in a given month it brings my debt-to-credit ratio under 30% which is more desirable on my credit report. It is a tricky, tricky game.

Is there a ghost?

I have been having unusual happenings at my house lately. Last night I went to turn on my far bedroom light and it was burnt out, which is not too weird. I had only been using it because my bedside lamp burned out the day prior. So with these two lights out, I then turned on the main light which is an old ceiling fan. The ceiling fan was on too, which is NEVER on. I can't even reach the pull chain to turn it on, and I don't use it because makes a squeaky sound. I use the light every day but never the fan.

Much creepier was tonight. I was on my way upstairs and the front door was open about two feet wide. I didn't even come home through that door and walked by it many times. I thought there must be an intruder. I asked the puppies to check my bedroom for me but I ended up having to do it myself.

A few weeks ago I came come from work and went upstairs and used the bathroom. I then went downstairs and cleaned my jewelry in my fancy ultrasonic cleaner. About 10 minutes later I was near the bottom of the steps and heard water running. Upstairs the shower was going half blast with the curtain open and water going on the floor- something I definitely would have noticed on my earlier trip to the bathroom. I asked everyone and no one had used the bathroom. Brian says that all poltergeist activity can be explained by ultrasound interference, which may account for my creepy shower. But what of the other events? Is there a ghost?

Your Hip Hop Education

I am guessing my readers, being composed entirely of my close family, are not big rap and hip hop fans. This may be because your pallet has not been challenged. Hip hop is the new folk- picking up where Dylan left off. Few other genres offer the witty cultural observations and fresh perspective that hip hop does. I assure you it does not all consist of threatening to "pop a cap in yo' ass".

Below is Makeshift Patriot by Sage Francis.

Thoughts on skin care

This is a follow-up to my first post on chemical peels. I was in the ladies’ room today and my T zone was a tad shiny so I used one of the toilet seat covers to blot my face. They really work amazing for it. That is the most useful and unexpected beauty tips I have heard of that works. On a side note, I always go the restroom on the first floor of my building which has no tenant. It feels so luxurious to use a “fresh” toilet every time. They clean them every night, put the seats up and squirt blue stuff in them so I always pick one that I am assured has been disinfected since the last pair of cheeks touched it. I would not recommend using seat covers from questionably maintained bathrooms.

I have done my previously blogged about alpha beta peel 3 weeks in a row and my skin looks pristine and dewy. The first week after the peel my skin felt hard and oily, but I guess my cellular turnover has adjusted. My complexion looks better than it ever has and I ran out of the aldactone and bactrim that I normally take for it two weeks ago. If this continues I will not refill it for obvious reasons.

The same time I started my alpha beta peels I discovered a new brand of skin care. I used to use aubrey organics, which is quite better than average. But this new stuff is amazing and actually less processed than even aubrey is. It’s called Suki and it is trés cher! I started with a variety pack and this eye cream I read rave reviews of on Amazon (I actually stumbled on it while looking to buy aubrey). BTW- they are 20% off right now if you want to try. I just ordered some more products I found on ebay for less than half of other places. The best thing about the peel/suki regime is that it has eliminated all the hard sebaceous bumps on my forehead which not even prescription drugs helped.

Toner is essential to getting your skin really clean. I loved the itsy bitsy Suki toner in the trial pack but I think I can make it. I plan to take rose water, witch hazel, mix in a little aloe plus a few drops of glycolic acid from the peel. There is this tv dermatologist, I forget her name, who is 52 but looks 25 and says that you need to use 10% glycolic acid toner on your face and neck daily. It's not only an extra cleansing step but it exfoliates without abrasion.

I'm sure some of you think I am putting too much effort into grooming but I hope my good skin luck keeps up!

Financial Prudence

Once important reason for the widespread nature of the present financial crisis is that insurance companies (e.g. AIG), banks, and investment banks were allowed to merge by act of Congress signed by President Clinton. This has mean that millions of people with insurance policies from AIG are left without insurance, or, in the case of personal disaster, without the ability to obtain it from a different company. All the banks were in on the toxic mortgage mess. When I discussed a loan with Suntrust Bank the loan officer was all too quick to suggest that I just include Lona's income with mine in applying for a personal loan. I refused to do so because that would be fraud. It is too bad that the heads of Fannie Mae and Freddie Mac were not so careful about misrepresentations of the trillion dollar magnitude.

Congress is also to blame for the present mortgage mess. They, mostly Democrats, put pressure on Freddie Mac and Fannie Mae to make sure the poor (often with poor credit) could get in on the housing boom. They got in on it all right. This is the origin of the toxic mortgages. Now we have two presidential candidates urging the country to take on the bad debts of many entities all merged and no longer properly financially isolated.

If we really want to make a mess of things just vote for a president of the same party as the Congressional majority.

Dancing is good for you

Credit Karma

I use credit karma all the time to check my credit score for free. Sure you can get free credit reports twice a year from experion, but they charge to see the score. Credit Karma changes that. It used to be lame because they were on a 950 scale which wasn't relevant but they changed it to the FICO scale and it's super useful! Check it out! I went from 756 to 754 last month. I wonder why?

Anti-Plastic

There is no doubt that plastics have changed the world. The uses and structures of plastics are seemingly endless. Yet plastic is a threat to our earth and safety.

BPA, a hormone disruptor, is found in certain types of plastic. It has been considered potentially toxic since the 1930’s, but has been leaching its way out of our containers and toys and into our bodies for decades. It is found in the urine of 95% of Americans, and evidence is suggesting it may be causing heart disease and Type 2 diabetes. Phthalates are added to plastics to increase flexibility, and are suspected to cause neurological and reproductive damage. Some people believe you should try not to touch plastic too often, and never let it touch your food.

Many plastics do not biodegrade, and when they do, it is estimated to take hundreds of years. Other plastics Photodegrade instead, meaning they break down into smaller and smaller pieces when exposed to sunlight. The small pieces then contaminate our soil and water and eventually enter the food supply when they are eaten by organisms. Plastic particles now outnumber plankton in some parts of the ocean, 6 to 1.

But I recycle! Well, it is not enough. Less the 6% of plastics are recycled. Only plastic numbers 1 and 2 can be recycled in our neighborhood. Some places also recycle number 5. Even when recycled, they are really being downcycled to a non-recyclable end product. The majority of plastics end up back in the landfill the same year they are produced. Reuse is not always an option, as some plastics are only considered safe for one time use. Most plastic is also a petroleum product, a non-renewable resource.

I am not ready to give up using shampoo and deodorant, but there are many ways we can easily work to reduce our plastic use. I heard one estimate that suggests 2/3 of plastic waste can easily be avoided, though the remaining 1/3 is very hard to eliminate. You can start by avoiding disposable products, in favor of reusable ones. Chose products with less packaging, buy natural fibers, ask for no straw, lid or excess plastic packaging. Buy high quality wood, metal and glass items instead of cheap plastic alternatives. If you are going to buy plastics, look for used items, or items made from recycled materials.

Tips

• Buy glass or stainless steel food storage containers
  
• Get a Klean Kanteen for beverages
• Use cloth diapers; try Bumkins or a diaper service
• Consider using washable feminine hygiene products
• Get cloth bags, including compact bags for your car, purse, backpack and diaper bag and produce bags for produce and bulk foods
  
• Use paper-packaging tape
• Avoid prepared foods, too much plastic packaging
  
• Metal camping dishes are great for babies and kids
• Make your own yogurt (its easy - you can borrow the yogurt maker my neighbor gave me, but it is made of plastic)
• Don’t use paper towels or paper napkins (they come wrapped in plastic), get extra washcloths and cloth napkins, and throw them in with your regular wash
• Buy toilet paper in individual rolls, wrapped with paper
  
• You can even get glass straws
• Carry a set of reusable eating utensils, or keep a set in your desk at work
  
• Any other ideas?
  

Links

• Fake Plastic Fish
• Life Less Plastic
• Waste Facts
  

Time for revolution?

The proposed new financial 'Patriot Act' is shocking in its sweep. From London Banker's latest post I got this excerpt:

Sec. 8. Review.

Decisions by the Secretary pursuant to the authority of this Act are non-reviewable and committed to agency discretion, and may not be reviewed by any court of law or any administrative agency.

Implications: "There is no rule of law if this passes - there are no markets. We’ve all been had, and the worst is yet to come. (London Banker)"And it certainly looks like, from this little snippet, democracy will be a thing of the past. Contact your congress industry lapdogs and tell them to vote no on this 700 billion dollar bailout.

Opposite of a locavore

One of my goals in starting this blog was to talk about finance. Archers Daniels Midland (ADM), the stock I bought last week gained 10% today. ADM is one of the largest producers of grain and processed foods and is the largest producer of ethanol which is now added as a stabilizer to all gasoline as a replacement for the recently banned MTBE. I have owned ADM before. In 2006 I bought about at about $31 and sold at about $42 to help with my house down payment. So around $23, this stock is a company with strong financials and market presence selling at a huge discount. It's a conservative and somewhat contrarian stock with a P/E around 8. Obviously it's up and down a lot right now but I think it will trade in the $40s again in less than two years. As soon as I get some more dough I'm going to set a limit to buy more next time it dips to $19-$20.

For reals this time...

After five canceled trips, Brian left for Afghanistan for real last night. He'll be gone eight days.