Author: Bill

Frugal Librarian #20: Frozen Credit

- Bill Leave a comment

Another tip from the new book by NPR personality Chris Farrell, New Frugality… freeze your credit card.  No, not do a security freeze to prevent people from accessing your credit file, another great idea.

He means take the card out of your wallet or purse and put it in a container full of water.  Then give it the ol’ Han Solo treatment in your Frigidaire.

“Put the credit card away when you’re eliminating debt.  One technique is to store the card in the freezer.  That’s right, place the credit card in a container of water and stick it in the freezer.  You have to wait for it to thaw before you can use it again.  It gives you the time to think whether you really want to use it.  Yes, the card will work once it’s thawed.”

Liberace Likes It.

- Bill Leave a comment

Hey, if its the kind of swill this rugged devil slugs back after a hard day at the ol’ salt mine, it must be good enough brew for a roughneck like myself.  Just discovered this neat link, Vintage Ad Browser.  Naturally I gravitated to an old favorite.

However, if you’d like to peer into the marketing of over the last 100 years (some of which quite politically incorrect) in a number of industries (food, clothing, automotive) give it a l00k.  It will make you smile.

I really should watch that show Mad Men everyone is talking about (seasons 1 and 2 available at the library!)

Frugal Librarian #19: Tips from “Bud”

- Bill 1 Comment

The next few Frugal Librarian blog posts are ideas gathered from Chris Farrell’s new book, The New Frugality.  Farrell  is the host of the public radio program Marketplace Money.

Bud Hebeler is a retired aerospace engineer from Boeing that founded the conservative financial advice website analyzenow.com. Below are some of his top savings tips:

-Arrange for automatic savings deposits from your paychecks
-Sell things you don’t really need on the Net or elsewhere
-Downsize your home or rent. Renting provides mobility to get jobs elsewhere in the country
-Grow your own vegetables
-Buy items with cash
-Rule out cars, cell phones, or iPods for children—or even for yourselves
-Make do with old computers, and software. Use no downloads requiring payments
-Try to get lower-cost TV, Internet, and telephone services
-Turn down the thermostat and wear sweaters

Think warm thoughts

- Bill Leave a comment

It throws one for a bit of a loop to write down dates like 2010 without seeing George Jetson puttering around in his airborne aquarium.

Similarly, assembling a list of fiction titles that hits shelves long after the subzero temps have left creates a warm feeling, albeit brief.  There will be a baseball game or two on the television, and, heck, I might finally be writing the correct date on my checks.  What’s crazy is you can place those holds now.

The possibilities of short-term time travel might not be that awe-inspiring, but given the bleakness of being Iowan right now, grade me on the curve.

Jodi Picoult — House Rules
Rita Mae Brown — Cat of the Century
Alexander McCall Smith — Double Comfort Safari Club
James Patterson — Worst Case
Tim LaHaye — Matthew’s Story

Frugal Librarian #18: Library Ledger

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Library patrons don’t often get a chance to see how the dollars and quarters accrue in their favor.  Spend a couple minutes plunking in values on this Library Value Calculator assembled by several libraries across the country to get an accurate representation of the kind of value you as a consumer have reaped.

For example, if you have used the library to answer two reference questions, borrow two books, check out two movies, and use the internet for two hours, count yourself a savvy spender friend.  You’ve just saved 114 dollars.  Before you call these figures inflated and self-serving, go to a doctor, lawyer or body shop and see how quickly their services tally up.

Being a library cardholder is not just good citizenship, it is smart money.

Tax Man Cometh

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Suppose its time for that blog post again…

Our tax forms arrived a little bit late this year, but we just assembled the displays at Main and Fairmount.

Outside of the IRS office, libraries are the only place where you can get forms if for some reason you still haven’t attempted filing online.  Though a slower and typically less-accurate process, some people prefer the paper method.  We stock the federal and state forms as a service, though the chute gets narrower every year as they try to corral the populace as a whole into e-filing.

New this year is the:

Schedule L (Standard Deduction for Certain Filers – it isn’t as simple anymore since there are new add-on deductions on top of it) and

Schedule M (Making Work Pay Credit)

Holiday Spirits

- Bill 2 Comments

No, not the ones that taunt Ebenezer Scrooge.  But they can be the kind that, like the miser himself, will cause you to wake up with a promise to amend your ways.  But hey, if your hosts have unlimited premium supplies you might want to mix-imize your efforts.

Here are a few recent books on putting together the perfect rocks glass recipes:

Good Spirits: recipes, revelations, refreshments, and romance, shaken and served with a twist

The Essential Cocktail

Shaken

Mix Shake Stir

Or, if you want my opinion, keep dry and take your friends home.  New Year’s Eve is amateur night.

Marathon? How adorable.

- Bill 1 Comment

Imagine a race of superhumans capable of tearing off 300-mile jaunts on foot in fits of blinding speed than span days on end with little sustenance.  They exist in a remote region of the planet Earth away from all human beings.  They are impervious to most disease and live to an extraordinary age.  Oh yeah, they don’t wear shoes.

Now, stop imagining.  They are the Tarahumara tribe from Mexico’s Copper Canyons.  Perhaps the secret to their powers is their geographic remoteness or lack of roads to their hidden homes carved out of rock.  To get even somewhat close to the Tarahumara requires traversing perilous terrain guarded by bands of murderous drug cartels.

The author of Born to Run: A Hidden Tribe, Superathletes, and the Greatest Race the World has Never Seen, Christopher McDougall, is an aspiring runner plagued by injury.  He seeks out this mythical people to learn of their secrets.  He discovers a peaceful and protectively withdrawn people that crosstrains for their multimarathon races with gallons of corn beer and nightlong dancing jags.  What’s amazing about this New York Times bestseller is that isn’t fantasy at all.

Flying Feast

- Bill 2 Comments

If you spend a little time in the regional news, you might know the spread of the Asian Carp has reached epidemic levels.  It has the discriminating diet of a billygoat and the reproductive powers of a bunny rabbit.    It is a hearty old beast, reaching up to 40 pounds apiece by eating nearly half their weight in plankton to the detriment of all the indigenous species.  One characteristic trait of the flying fish is its utter bewilderment by boat motors, causing them to leap out of the water and strike passengers.

How did we get them?  These bottom feeders were imported to Arkansas in a contested decision to have them clean out the waterways.  A flood deposited them in the Mississippi where they have proven quite hearty in a variety of water temperatures.

An estimated 20 million pounds of asian carp are in the waterways where the Department of Natural Resources is taking drastic steps to keep them out of Lake Michigan.  Ideas are in the works to harvest as many as possible for homeless shelters, prisons, and even to be ground into fertilizer and animal feed.

Outside of some pockets of Chicago’s Asian communities, there doesn’t seem to be a market for commercial fishermen to sell this catch.  This confuses the USGS’s Duane Chapman, who has put a very informative how-to series on youtube on how prepare the asian carp, which he feels yields very tasty and high-quality fillets despite an undeserved bad rap.  Part 1, Part 2, Part 3

Fact:  There once was an ugly and plentiful fish no one would even consider eating called the Patagonian Toothfish. Some savvy marketers got together and it now commands a high price on restaurant menus under a different name… “Chilean Sea Bass.”

Hello Bedford Falls!

- Bill 1 Comment

Bill’s choice for favorite holiday escape is a beloved classic. Since it is largely set during the austerity of the Great Depression and World War II, it reflects many of the same economic hardships we’re experiencing now – and shows that there’s always something to be grateful for.

The 1946 film It’s a Wonderful Life frequently appears on lists of the top 100 movies of all time (sometimes it ranks in the top 10) for a reason…it’s good.  It’s a feelgood story from an innocent American age, when all that was needed was black and white celluloid and a good script.  I suppose it doesn’t hurt to have the Tom Hanks of the World War II era on your payroll either.

We can relate to George Bailey’s existential questioning.  It has a happy ending for the holidays.  Finally, its over-the-air broadcast is a free local television tradition that serves as a much-needed respite from the brutal Iowa winter, people jockeying for your last cent, and familial stresses.

And in case you were wondering, young Zuzu is no longer six years old.  She will be 70 next year.