Category: News you can use

Frugal Librarian #4: Refurbs

- Bill 1 Comment

frugallibrarianA lot of people buy new computers at the moment of need. See, that’s what “the man” wants you to do…purchase from an uninformed and vulnerable position. You’ll deal with their markup because you’re brokedown.

It’s not enough to visit more than one brick and mortar store or check out two major chains’ weekly specials. Look into refurbs and save a ridiculous amount of money.

Refurbs are returned goods that have supposedly been restored to good-as-new condition. According to technology consulting firm Accenture, more than 2/3rds of electronics returned to retailers meet manufacturer’s specifications, but simply not the consumer’s expectations. Just because someone else gave up after turning the item on or didn’t like a scuff mark on front, why be picky in the face of huge savings?

Refurbs come in all varieties of electronics, even the highly-touted IPod, and even have refund and return guarantees. Stick with a well-known company, however.

Target – pre-owned electronics
Geeks.com – computers (I got a great computer this fall for $229, shipping included)
Dell Factory outlet
Sony retail outlet
Amazon Warehouse Deals

Hail to the Chief

- Ann Leave a comment
president1
Andrew Jackson, 1829

The big day is finally here – and for those of us living in Iowa where it has been an especially long political cycle, it sometimes seemed it would never come! Today the United States will inaugurate the first African-American President when Barack Obama takes the Oath of Office. The peaceful transfer of power is one of the great hallmarks of democracy, something America has maintained throughout her history, during peace or war, economic prosperity or depression. Plenty of reasons to celebrate.

To find out more about the 2009 Inauguration, visit the official website Joint Congressional Committee on Inaugural Ceremonies. You’ll find interactive maps, descriptions of the days events, Washington DC weather reports, and a history of past Inaugurations. You’ll even find – get this – the recipes for the food to be served at the Inaugural Luncheon (in case you were wondering what to do with that pheasant you’ve got in the freezer!)

The library, of course, has all kinds of Presidential information including biographies of every President as well as histories of the office. We even have a book about Air Force One, the President’s plane and a history of the White House. Here’s a sampling:

Air Force One: a History of the Presidents and their Planes by Kenneth Walsh

Union of Words: a History of Presidential Eloquence by Wayne Fields

The White House Garden by William Seale

First Dogs: American Presidents and their Best Friends by Roy Rowan

Real Life at the White House: 200 Years of Daily Life at American’s Most Famous Residence by John Whitcomb

Martin Luther King, Jr Day

- Ann Leave a comment

mlkToday is a federal holiday, set aside to honor the Civil Rights leader Martin Luther King, Jr. Born in Atlanta, King was a Baptist minister that became active in the civil rights movement in the 1950s and 1960s. His eloquent speaking ability inspired millions of people and he won the Nobel Prize in 1964 for leading nonviolent civil rights demonstrations. King was assassinated in April, 1968.

Try honoring the memory of King by participating todays Martin Luther King National Day of Service; President-elect Obama and Vice President-elect Biden and their families are planning on helping with volunteer projects in Washington DC today. The National Day of Service encourages everyone to contribute to their community, big or small, today and every day. Check their website for a list of local projects, or create one yourself!

By the way, even though many state and city offices are closed today, the Davenport Library will be open our regular hours – 12pm-8pm at Main and 9:30am-5:30pm at Fairmount. Have a great day!

Eagle Watching

- Ann 1 Comment

One of the (many) great things about living in the Quad Cities is the Mississippi River – its beauty, its recreational opportunities and its wildlife. January and February are prime time for eagle watching. A lot of Americans have never or only rarely seen a bald eagle in it’s natural habitat, yet for Quad Citians they’re a common sight in the winter. Attracted to the open water of the river near the dams, hundreds of these magnificent birds congregate along the river during the coldest months.

Fight off cabin fever and take advantage of some of the great programs and viewing opportunities including Bald Eagle Days (today through Sunday) at the QC Expo Center, eagle watches at the Mississippi River Visitors Center on Arsenal Island (reservations required) through February, and the LeClaire Eagle Watch, January 24-25.

For more information about bald eagle events and watching, including a list of the best viewing areas in the Quad Cities, be sure to visit the Quad Cities Convention and Visitors Bureau website.

Want more? Check out these books from the library:

The Bald Eagle: Haunts and Habitats of a Wilderness Monarch by Jonathan Gerrard

Raptors of North American: Natural History and Conservation by Noel Snyder

The American Eagle: a Photographic Portrait by John Pezzenti

Return of the Eagle: how America Saved its National Symbol by Greg Breining


Nachos

- Bill 1 Comment

taxesNow that I have your attention, it’s tax season. Hey, don’t kill the messenger.

Davenport Public Library tries to accommodate taxpayers that are e-file friendly, as well as those that need paper forms. For the record, the feds would greatly prefer that you do so electronically. 58% did so last year, resulting in faster filings and quicker returns… according to the IRS.

On the paper side, the Davenport Public library buildings are one of the few places which still distribute tax forms and publications you can use to prepare your return. The post office stopped this service in 2006. Though not a federal agency like the post office, we got a pallet of 50 cases last week. If the form you need is not one of the standard issue we stock in our displays at Main and Fairmount, one of the crack reference staff can help you locate it on the IRS’s labyrinthine site.

Most employers will be giving you your W2’s this month, if they haven’t already. Put it on the corner of your desk, but unlike last year, don’t wait until April 15th.

The Frugal Librarian #2: Mortgage refinancing

- Bill 2 Comments

frugallibrarianIf I could time the market, I’d probably be a millionaire and not working here. Or, living out of a cardboard box because I got cocky. Depends on how you look at it.

But this much I’ve read is certain…refinancing your mortgage can save you a whole bunch of money. The adage is that if a mortgage rate is 1% lower than your current rate, it is advantageous to pay the closing costs (around $1500) to have them rework your loan with the new rate.

With the economy, mortgages are at 37-year-lows. You are going to be hard-pressed to find a more competitive rate at another time. Plus, since the fed cut the short term lending rate yet again, this should move over into the mortgage market in the coming weeks, making things even more interesting.

Only a fool would feel pressured to make such a snap decision, but in the coming weeks this could be a bird in hand for your wallet. It only takes a minute to compute your scenario online. You may very well find that a cut from 6.375% to 4.5% is like someone handing you a couple hundred bucks each month. Yes please.

Here are the rates from some local lenders:

Ascentra Credit Union
IH Mississippi Valley Credit Union
Wells Fargo Bank

The Frugal Librarian #1: Energy Audit

- Bill 3 Comments

Welcome to our first installment of the Frugal Librarian. It is an empirically proven fact that denizens of this profession possess an uncanny sense of value. In turn, they pass that savings on to you, the consumer.

However, while some folks pinch pennies, this guy has actually been known to cut off the circulation to their extremities. This is his story.

frugallibrarianSomeone was saying something the other day about reducing one’s carbon footprint. I went to my happy place spiritually where I pretend I’m paying attention. When I came out of this trance, they were gone, as was their message about conservation. Shame.

While I am a responsible consumer, I am even more motivated by the massive amount of financial green (huh, see witty the play on words??) I can save with the MidAmerican Energy Audit. Here’s what happened. I called MidAmerican and they made an appointment to dispatch a representative to my house. At no cost, this man went from room to room taking measurements. Next words out of his mouth were, “Want some light bulbs?” “Yes sir. Yes sir, I do.” “How about a new shower head?” “Sounds nifty to me.” Make all the jokes you want about how thick one has to be to not be able to screw in a light bulb. Sometimes they don’t UN-screw safely. Does that punitively affect one’s cognitive credit score?

He also calculated that if I spend roughly another 900 dollars to put more blow-in insulation in my attic, MidAmerican will cut me a check for $600. The savings on the heat bill would pay for my portion of that within one year, he calculated, citing that 85% of a building’s heat loss comes from the top.

In under 40 minutes, with a twitch of his nose, off this jolly magic man went into the chill night. “On reasonably-priced economy sedan!” he bellowed. “Merry savings to all, and to all a warm night!”

The Perfect Christmas Gift!

- Ann Leave a comment

Already tired of shopping and it’s only the beginning of December? Are you having a hard time coming up with new gift ideas — particularly ones which are easy on the pocketbook? No sweat — here’s the perfect gift. See if you can guess what it is.

  1. It’s small and requires no elaborate wrapping.
  2. It requires no batteries and it has no moving parts, so it can’t wear out.
  3. You can use it again and again and again, for many years to come.
  4. It’s one size fit’s all.
  5. It is equally appropriate for men, women, children, teens and seniors.
  6. It can help you do your homework or help you get a job.
  7. It allows you to virtually travel to anywhere in the world.
  8. It saves you money.
  9. It allows you to enjoy a vast array of vicarious experiences.
  10. It never goes out of style.
  11. No waiting in long lines.
  12. And best of all — it’s absolutely FREE!

You guys are smart, so I’m assuming you’ve already determined exactly what this perfect gift is – a library card! Just bring current id with your Davenport address (children under 18 also need to bring a parent to sign for them) and fill out an application today – it’s quick and easy!

Thanksgiving Traditions and Turkey Notes

- Ann 1 Comment

That wonderful day is coming when family is around, turkey is on the table and football is on the TV – Thanksgiving day. Thanksgiving was not always celebrated on the 4th Thursday in November nor were the main foods always turkey, sweet potatoes and green bean casserole.

The first US Thanksgiving was held between September 21 and November 11, 1621 in Massachusetts by 50 Plymouth Pilgrims and 90 Wampanoag neighbors. The meal consisted of seafood: cod, eel, clams and lobster; and fowl: wild turkey, goose, duck, crane, swan, partridge and eagles. There was pumpkin, peas, beans, onions, radishes and carrots with plums and grapes for fruit. After this first Thanksgiving, the holiday was held fairly randomly. It was used to celebrate a good harvest or making it though the winter. It wasn’t until President Franklin Roosevelt signed a bill on November 26, 1941 that Thanksgiving was established as the fourth Thursday in November.

Davenport has its own unique Thanksgiving tradition – the Turkey Note. A Turkey Note is a simple 2, 3 or 4 line rhyme that is wrapped in a tissue paper, tied at both ends and given to friends and family. Turkey notes go like this:

Turkey Brown

Turkey Baste

Turkey dinners

Go to waist

If you went to grade school in Davenport, it’s likely you’ve written a few Turkey Notes yourself. What was your favorite? Or try your hand at writing a new one, whether you’ve written one before or not – they’re fun! Get in the holiday spirit and share it in the comments!

You can find out more about Turkey Notes and other unique aspects of Davenport history in the Richardson Sloane Special Collections Department located in the lower level of the Main library.

Eleventh Hour, Eleventh Day, Eleventh Month

- Ann 1 Comment

Today is Veterans Day, a day set aside to honor military veterans. Originally called Armistice Day, it was first observed in remembrance of soldiers of the Great War (World War I) and is set on November 11, the anniversary of the armistice with Germany in 1918 (major hostilities were formally ended at the 11th hour of the 11th day of the 11th month) The name of the holiday was changed in the United States to Veterans Day in 1954, and was dedicated to all veterans.

Most government offices and many businesses are closed today including the city of Davenport. However, both Davenport Library locations will be open their regular hours – Main will be open 9:30am-5:30pm and Fairmount will be open 12 noon to 8:00pm.

If you are interested in learning more about World War I than numbers and dates, I recommend that you search out Testament of Youth, Vera Brittain’s harrowing story of what happened to her, her brother, her fiance and their close friends. All of the men were thrown into the “meat grinder” of trench warfare and Vera became an Army nurse in France and Malta. Filmed as multi-part series for Masterpiece Theater, Alistair Cooke stated in his introduction that if this had been a “Hollywood movie” it would have been dismissed as unbelievable but it is in fact, all true. It is a sobering and heart wrenching look at the cost of warfare.