Nov 7th 2008 12:53PM Stephen, it's brilliant! I love the concept of foregoing health insurance. every time I bring it up I get a tongue-lashing (or, I suppose, keyboard-lashing) from loving mamas and papas who are sure I'm endangering my family by considering it. we need real reform, not tax credits, and the Patch Adams plan is a great place to start!
Oct 8th 2008 2:05PM Joe and others: refinancing would have been a terrible choice for me not just because of the all-to-often utilized opportunity to take money out, but also because refinancing simply costs money. mortgage brokers are eager to help you refinance because they charge points and closing costs each time, typically adding $5000-$10,000 to the principal. in my situation, I wouldn't have been able to reduce my interest rate enough to justify the points.
Sep 24th 2008 6:00PM Michelle, I think Wachovia will weather this storm o.k. -- they've always been on the conservative side. I used to work there so I know a lot about their general lending strategy.
however, my principle of credit union vs. public mega-bank holds true; in my opinion, you'll always be better off with a small, local credit union where the profits go back to the accountholders.
Sep 12th 2008 7:43PM I certainly agree that everything should be eaten in moderation but nowhere in the article did I suggest gorging oneself on bacon and cream. but if a person *were* to remove processed foods from his diet, it would be highly unlikely he'd want to gorge himself, as his metabolism wouldn't be fooled by excessive sweetness. embracing processed sweeteners -- and I include cane sugars of all sorts in this description, not just artificial sweeteners -- as a culture has robbed our bodies of the ability to hear the "I'm full" or "I need a good serving of vegetables" signals.
if you're tempted to eat full fat foods because of this article, please cook them from scratch, yourself, and make sure you know a lot about where your food comes from. buy meats from farmers who avoid feeding their animals corn and soy. try traditional preparation methods. use stone-ground flour. you'll find it's *really* hard to get fat eating like our great-grandmothers did!
Sep 11th 2008 2:21PM Bruce, I totally agree with you, and forgot to show you this i wrote...
Sep 11th 2008 2:05PM thanks to those of you who defended me :) and in response to a couple of questions/pieces of advice/attacks:
-- my children all were born in Portland. here, the rain falls, and we wear raincoats, or hats (i knit, and everyone has his own wool hat made specifically to repel rain), or we just get wet. it turns out that getting wet doesn't kill you and my kids have been very healthy despite their frequent exposure.
-- actually, we *do* ride the bicycle if someone gets sick. or we take the bus. in an actual emergency -- someone was bleeding to death or choking -- we'd call 911. the fire station is only a mile and a half away. when i went into labor with my third child, i got on the bus.
-- my husband doesn't drive. he works for the army reserves about 30 miles away from home, about 10 days a month, and he carpools, rides the bus, or bikes. yep, 30 miles, it's great exercise and he's definitely not the only one in portland who commutes this far. it's not for everyone, but it's certainly possible!
-- people in portland do bike in the snow.
-- i work full-time and my kids go to public school. my six-year-old just learned to ride and he rides his own bike now (that was part of the financial output i mentioned), yesterday he rode 16 miles up and down hills while i schlepped the groceries and baby. one of us rides with him to school every day, 2.5 miles away, it's a big investment of time but we get a huge payoff in his mood. when he gets a little stronger, i plan to get him a bike rack and basket so he can carry groceries, too.
-- i like to think that i'm a very responsible parent, one who spends time with her children and teaches them the traffic laws, who tries to live as an example of respect for the world, who treats others without judgment or harsh words. but obviously not everyone agrees with me.
Sep 10th 2008 1:54PM wow, Deidre, what an interesting selection of pieces... they all have a very similar mood and it's very striking. don't you wonder about the thief? they're all very aching and grandmotherly, dank and rainy, my mind is spinning with the possibilities.
Sep 10th 2008 1:41PM you know, Jonathan, I think it's not about the real economic effect but the perceived boost. i still think economic stimulus plans are stupid but really? i love 'em. spent my last one on a new bike to avoid spending money on gas & bus tickets, if i get another it'll go to paying debt.
Aug 20th 2008 3:38AM I always make my husband something I know he loves when we've had a particularly nasty fight and I'm trying to make good. the way to a man's heart, after all, is through a nice plate of biscuits and gravy...
Aug 16th 2008 4:17AM Carol, you're brilliant. nothing makes me so angry as having to remove a bunch of paper (the kind that's just ripe for papercuts, btw) before I can read my magazine. the worst offenders are the airline magazines, stuffed with double-strength ad pages and blow-ins, I can never read more than an article without getting irked.