Nexus of One

I was not a big phone geek until the T-Mobile G1 came out. Before the G1 I was using a Treo 680 running PalmOS, which seems so antiquated to be called a smartphone, yet it wasn’t even a year and a half ago that I was using it. The integration with my corporation’s Exchange server worked well enough,though, and that was enough in added productivity to make up for the lousy built in browser. But when I saw the G1, it was time to upgrade. I’m a big fan of Google’s web apps, use Google to host all my mail, and love Google Talk. Just over a year later, the Nexus One was released I had to have it. So after playing with it for a few weeks, I’m putting out this review.

My first impression with the Nexus One was the display is amazing. The graphics are bright and crisp. The extra resolution over the iPhone is definitely noticable. The speed as great too. Upgrading from a G1, i was impressed with how fast everything ran. I was up and running on the new phone after less than a half hour. But I don’t want this to be about specs, so I’m going to just talk about some reasons I really love this phone.

Google Integration

If you use Gmail or Gmail Apps a lot, you will love how smooth the integration is with Google’s mail. There really isn’t much to say. I have four gmail accounts setup, all syncing and letting me know when I have mail. Only your main calendar syncs directly, but there are ways to work around that. Google Voice works well for calls, and ok for SMS messages. Some people I know have complained about the Google Voice SMS integration but I don’t use it enough to really know. Google Maps, Google Buzz, Google Reader, etc, all work great.

Corporate Integration

My G1 didn’t have native Exchange support, so I had to use a third party app. I ended up using NitroDesk’s Touchdown software. I’ve seen this app really grow over the last year, from a really basic mail only viewer, to a fully integrated productivity app. One feature I’m really getting used to, is having my mail read back to me. It’s pretty neat.

Android 2.1 has native Exchange integration, but I’ve heard some complaints about it. I would recommend Touchdown to everyone. I have an iPod Touch which I hooked up to our company’s exchange server, and I can tell you Touchdown blows it away.

Battery Life

The first couple days when I was playing with every gizmo on the phone, batter life sucked. Once I settled down in my normal daily routine, the battery life was fine. It runs all day just fine. There are third party batteries already that increase your battery life as well.

Google Maps Navigation

It plain rocks. I’m waiting for the car dock’s to come out to have the full on GPS experience. I’m hoping the dock will allow me to use my bluetooth headset to use as a phone as well as audio. Listening to podcasts with 1 year while I drive would *rock*.

Camera

I’m not a big camera person, but the camera on this phone works nice and I’ve been happy with the speed and clarity of taking pictures. When the weather gets better and I take some trips later this year I expect it will work out pretty good.

App Store

Apple likes to point out how many apps they have in their store and it is indeed impressive. However, I’m of the opinion that most people will use 10 apps for 90% of the time, and that the functionality of these 10 apps is duplicated in the Android Market. Because the app store is open, eventually they will probably be pretty equivalent when you look at the short tail of apps sold.

Intangibles

I wanted to have integration with my company’s Cisco vpn, but this isn’t one of the vpn types supported by Android 2.1. So I took the plunge and put on the Cyanogen Mod on my phone. Yes, I violated my warranty, but it was definitely worth it. I found a vpnc client for the phone, and *viola*, I have Cisco vpn capability over WiFi/3G/Edge. I also have full shell access so it really feels like a real little netbook. When I use my iPod Touch, I feel like I’m back using a PalmOS era OS. Multi-tasking isn’t the end all be all, but I can download a podcast, while I’m calling my wife, while I have GTalk running.

For me, and I know this isn’t the same for everyone, I like the ability to change things about my phone, I like having an open app market, and I like being able to download the source code to my phone and make changes (and I have some on the way). Not everyone likes or wants that much freedom. Maybe there are some rough edges on Android, though I think many complaints are simply due to what people are used to. I’ve used both the iPhone and the Nexus One and I think I have a good feel for both.

The Nexus One and, hence, Android is a great phone platform. They allow me to work, play, and communicate almost anywhere, and I expect to enjoy both for the foreseeable future.

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Baseball, Simply Baseball

This week Mark McGwire admitted publicly that he had indeed been a steroid user over the course of his career. I had always held out hope that he was clean, that his 1998 season was a legitimate accomplishment. I think McGwire is completely sincere in his belief that steroids didn’t help his statistics by enhancing his ability, however, it can’t be denied that by allowing him to stay on the field, steroids increased his counting stats. I think it is an open question on how much steroids help a baseball player improve upon performance. For all the times you hear Mark McGwire’s name, how many times to hear Manny Alexander’s? We don’t have a good handle on how much they help because there have been no controlled studies. For all we know, steroid users simply spend more time training than non steriod users and hone their skills more. It is very clear to me that McGwire did indeed change his batting stance, his swing, and pitch selection. The Rookie of the Year version had a big looping swing and kind of leaned over the strike zone. The 1998 version had an open stance, two eyes on the pitch, with all his weight on the backfoot.

One reason I always rooted for McGwire is that I could relate to him as a ballplayer. Oh, by no means did I have his talent or skill, but what he did best, hit for distance and walk a lot, is all I was ever good at as well. We were both big clumsy first baseman (don’t believe his Gold Glove) with almost no foot speed. I was not a good baseball player, however, but I always could hit for distance and for what few memories people have of me as a ballplayer, they always revolve around how far I could hit a baseball.

I became a ballplayer pretty much by accident. When I was eight a neighborhood kid told me he was going to join Little League, so I joined as well, even though I had never shown an interest before. I remember having a pretty good arm, but I was a very clumsy hitter. My brother had a nice natural left-handed stroke, while I had a big looping almost out of control swing that often caused my head to pull off the ball. One skill I did have early on though, was walking. It was highly underrated in Little League then, much like the Major Leagues as a matter of fact. But if one were to evaluate my performance now, I’d look better since I could get on base a lot.

I became a pitcher on a horrendously bad team my second year in Little League. I could strike out a lot of hitters, throwing slurves, curves, and sinkers, but I could be wild as well, because I was also a headcase. I’d lose focus, get into snits when my team would miss grounders or pop flies (which happened often). But, I had no choice to keep trying to get better. I’d throw every inning of every game I played in practically, god knows how many pitches I’d throw as a ten, eleven, and twelve year old. My last year I finally got my head together during my second game, and I was pretty good the rest of the way out. My hitting was better, but I never really developed into a real power hitter. Never could get my swing consistent enough to really hit home runs, but I’m pretty sure I could hit farther than most if not anyone else. Alas, I also hurt my back that year, and it meant that I couldn’t do much in the last game of the season, and my All-Star appearance (if we had played any games) would have been limited.

That summer, after Little League, I joined some local youth summer camp type thing. I wanted to play on the softball team, but my back wouldn’t allow it, so I just sat and watched. The next year I attempted to move up to the Babe Ruth league, which would be the first league where I played on a regular sized diamond. I misunderstood the tryout process, left early, and while I had just assumed I would make it, I in fact did not make it on my first try out. I thought I did ok at the time, but in retrospect, I probably looked like a big uncoordinated mess out there. I had grown nearly 6 inches in the previous school year and by the time try outs came around, I was just about six feet tall, but extremely uncoordinated. It was extremely disappointing to not have made it, and I considered strongly quitting. I had started to really get into computers and thought maybe I should dedicate myself to that. In the end, I decided to join the “practice squad” so to speak, and eventually someone left the team, and I was a full member of the team.

I’d have to say my Babe Ruth years were very disappointing. My first year I didn’t play much, not showing I could hit, and not sure I even had a position at the time. I did pitch well in one game, but lousy in the next, and I don’t think I had the makeup to really be a closer. Our team did win the championship, but I didn’t have much of a connection to it, since I hardly played. That summer I returned to the youth summer group determined to play on the softball team and hit home runs. For about a month before the season started, I did nothing but swing a water logged wooden bat. My forearms got almost as big as my biceps, and I felt like I could really do some damage. The first swing I took in a game I hit a home run to dead center field. It felt so ridiculous easy, the swing was so natural.

I had an open stance now, with my feet wide apart. The bat was held about 6 inches from my right ear, so that if I took a quick glance back, I could just see my hands. Bat straight up, with my left pinky wrapped around the knob. I later learned that’s how Mickey Mantle also held the bat. For me, it’s just natural. I ended up setting a new record for homeruns in that youth camp thingie. I think I doubled the previous record. If it was 12, I hit 24 for example. I have no idea how long it stood or if whoever broke it was as young as I was at the time, but for a time, I had smashed the previous record. I remember the first home run I hit, and another shot I hit, that while I was able to run home before someone could get the ball back to the infield, I only received a ground rule double because it rolled into some weeds, god knows how far away. As I trotted back to second, the umpire just shook his head, I assumed because he didn’t believe I had hit it so far. Like many home runs I hit over the years, I never saw it land.

My next year in Babe Ruth was a little better, but still without a consistent position, and still not hitting well, I played only a bit. I only got one hit. I might have walked a lot though, so maybe I did better than I remember. My last year I played every inning of every game we played. I think I did okay at first base, but then was moved to third base because of another player’s injury. Let me tell you, I played an awful third base. It was terrible, and I became a head case again over it, and it made me play worse. My one highlight was a long home run I hit to break up a pitcher’s no-hitter. I never saw it land so I have to trust other people who told me where it landed. I remember rounding second base and they were still chasing it, I remember nearly tripping coming around third, and getting to home to a crowd of my teammates congratulating me. Everyone on the opposing team complimented me except for the pitcher and his dad. A few years later I was told that they were both extremely pissed that I broke up the no hitter. I found out that my home run came up as a topic of conversation recently, which is nice to hear. Still wish I had seen it land though.

I still considered myself a pitcher all those years in Babe Ruth, but lack of practice, weight gain, and I suspect a change in my frame as I hit puberty, left my arm and shoulder feeling lifeless. Something changed and I never felt the same fluidity and power out of my arm that I felt before puberty. All my speed and movement left me, and I was left with not much. Perhaps if I had been more serious about it, I could have worked my way back, but computers really started to take over a lot of my time, and it wasn’t like I was going to be a major league baseball player. When I walked off the field of the last game of the season, I thought to myself I was “retiring” from playing competitive baseball, that I would remain a fan of it, but my interests laid in the statistical arena of baseball.

I did try out my senior year in high school for the baseball team, after a year off. I was out of shape, but my swing did start to come back I thought. However, I didn’t like the way the baseball coach coached, and while I would have made the team, actually gotten some decent playing time as a DH perhaps, I quit because I wasn’t having fun, and if I wasn’t having fun with it, there was no point to me playing. I don’t regret it for a second. I went on to go to college for computer science as planned, and what distracted me from baseball ended up being my career.

I’m still a baseball fan to this day. I’m a big sabremetrics guy too, which combines my love of math and baseball into a powerful analytical way of looking at baseball players. It’s why I know Bert Blyleven should be in the Hall of Fame, and not Andre Dawson. It’s why Dwight Evans was a better ballplayer than Jim Rice, even though he won’t get even a sniff of the Hall of Fame. I’ll always be a fan of baseball, and it’s why hearing about Mark McGwire was such a downer. As a fan you want to believe that the players you love watching are as above board as possible. I don’t know if we’ll ever know for sure if Mac could have broken Maris’s record without steroids, but I do know I can’t look at 70 (or 73 for that matter) as a valid number. There will always be some taint to it. I look forward to the next player who comes close, the next great power hitter that challenges Maris again, even if that would only place him seventh on the single season record. I can’t wait to see who breaks 755 without the aid, as far as we know, of PED’s.

My memories of a baseball player, while most are memories of not succeeding, still are very important reasons that I follow baseball today. Even if I wasn’t particularly good at it, I understand how great a game it was, is, and will be. As soon as I’m done writing this, I will be turning on Sirius XM’s MLB Homeplace channel to get my fill of the hot stove league. It’s such a great sport that even my memories of failing at it, are good memories to have.

P.S. A few years ago, almost ten years after I last played any sort of organized baseball or softball, I played for my companies team for a few games one season. In my first game back after many years, I hit a home run out of the field and got to do the trot around the bases again. Head down, quick pace, with a little stutter step around the base to make sure I hit it. This time, perhaps for the last time, I got to see where it landed.

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Posted in Sports | 3 Comments

A Call To Journalists On Reporting About The Climate

As I write this post, the outside temperature is -2 degrees F, up a few degrees from -7. It’s pretty damn cold out. I have noticed that there aren’t many news reports talking about climate change now when it’s really cold out, nor did it come up much this summer when we had highs in the 50′s during July. Only when it’s really warm, do they blame the weather on “global warming” or “climate change”. Otherwise, it’s just cold.

Does anthropogenic climate change exist? After years of being somewhat of a skeptic on the subject, due to what I feel were some real issues with the concepts of “urban heat isles” and the non-change in the temperature of the upper atmosphere, I believe those issues have been resolved and it’s clear to me that we have had an effect on the planet’s climate. I hesitate to use the phrase “global warming”, because it’s an awfully imprecise phrase. Will all parts of the planet warm? No. Can we predict with any certainty which parts of the planet will get the warmest? Nope. We have models that make general predictions, but the actual effects can be tempered or exacerbated due to local environmental situations or unforeseen events like the Mt. Pinatuba volcanic explosion in 1991. Anthropogenic climate change, though, is real, and regardless of what your political alignment may be, you have to accept that fact. I remain skeptical of most the pronounced solutions and the overall mindset of those who are the most vocal about climate change, but that discussion will have to be for another day.

Back to my original point:

Dear “Journalists”,

Just because there is a warm spell during winter, it doesn’t mean it’s because of climate change. Just because there is a heat wave during the summer, it doesn’t mean it’s because of climate change. Report the weather how it is, and when we have events outside the average, do some actual work and explain how, if at all, it could relate to climate change, hot or cold, wet or dry. There is a great disservice to the country and the world, by only reporting on climate change with a thin veneer of research.

Thank you for reading, now back to the subzero temperatures.

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Posted in Current Events, Science, Skepticism | Leave a comment

My Vegan Sweet & Spicy Chili

A couple months ago, I decided to enter the office chili cookoff. I’m a big fan of chili, but of course, there is one twist. I’m a vegan. This I thought could be an issue because if anyone who voted knew my entry was vegan, it might count against me. Also, someone could think someone else’s chili was vegan, and maybe cost someone a vote. So I entered my chili through another party who also was nice enough to bring a crockpot. It seems like a lot of extra shenanigans just for chili, and perhaps I overdid it, but it worked out ok.

My entry came tied for second…in a field of four. No one suspected it was vegan, though. I got a couple of really nice compliments from co-workers, and I let them in on it the subterfuge. One co-worker asked me for the recipe, and so after too long, I’m writing it down. I should also add, that my chili cooking is more like a process, than a specific recipe. I’m writing this down the best I can recollect and I hope that someone gets some use out of it:

Ingredients you’ll need

6 Boca ™ Burgers
3 cups textured vegetable protein
6 14.5 oz cans of diced tomatoes
2 cans Light Red Kidney Beans
2 cans Dark Red Kidney Beans
2 cans White Kidney Beans (also known as cannellini or fazolia beans)
12 chopped jalapeƱo peppers
3 sliced Bell peppers, any color and spice level will do
2 cans stewed tomatoes
1 small can tomato paste
1-2 cups bread flour
2 medium onions, diced (i prefer white)
brown sugar
mustard
paprika
chili powder
cumin
black pepper
salt
garlic powder
Predator Great White Shark Hot Sauce

Cooking Process

* Cut up Boca Burger into small chunks and with diced onions, fry in olive oil
* Put all tomatoes and beans in a large pot and slowly bring to boil, using all liquid
* Once at boil, turn down heat to low, and add peppers
* Slow cook for a couple hours before adding textured vegetable protein
* Add spices, hot sauce, and brown sugar to suit tastes
* To thicken chili, add bread flour to thicken to preference
* Slow cook until consistency and taste are both at desired levels

For the record, my version of this was called “Sweet & Spicy” in the contest, and I think it lived up to its name. I like a very spicy chili with an undercurrent of sweetness, and I was very happy with how it came out.

Well, that’s it, I hope someone gets something out of it.

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Posted in Veganism | 1 Comment

On Threats In The Air…

This recent attempt at terror in the skies apparently was only an operational failure, not a tactical failure. The 24 hour news networks have latched onto this story, forgetting for the most part about swine flu, Tiger Woods, and the recent health care scam bill, displaying scary headlines, and using ominous language. The TSA, after spending $40 billion dollars or more to protect us against such threats, failed to have a system in place to prevent the wannabe martyr on board, and instead has issued new inane guidelines that are all about theater and nothing to do with safety.

1) No standing up during the last hour of a flight. Why? Because the attempted bomber was sitting down when he attempted to trigger the bomb.

2) Nothing in your lap the last hour of a flight. Why? Because the attempted bomber had something sewn into his crotch

3) International flights should consider no longer allowing electronics during the flight. Why? Because the attempted bomber used a non-electronic device.

This is in addition to the, possibly more inane, rule about scanning your shoes. Eight years ago, Richard Reid brought explosives aboard a plane via the soles of his shoes. So now we all have to take our shoes off so they can go through an x-ray that can’t detect explosive residue. We’re limited to a 1 gallon bag containing as many 3 oz bottles of liquid that can fit, even though no such chemical tests are ever run.

None of this makes us safer. We have to accept that in a free society there’s going to be a body count. We will have to accept the fact that there will be terrorists attacks against the United States where we might lose a couple hundred to a couple thousand people at a time. These attacks will kill less people than the flu, car accidents, alcohol, and murders against our own citizens by ourselves. We will have to accept that there is a 1 in 10 million chance of being killed aboard an airplane due to terrorist attacks.

Once we finally accept this as a fact of life in the modern, free world, we will have taken away the *real* terrorist weapon, which is not a bomb, but instead, simply fear. I’m personally already there, and I hope that more people can join me.

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Introducing the Perfect Pizza Press

Kelly and I really enjoy pizza. Since we’re vegans (we don’t consume or use animal products), I’ve been making our pizza’s from scratch, dough included, using all vegan ingredients. Vegan cheese, while tasting just fine, has always been kind of an issue when it comes to cutting a freshly baked pizza. I tend to mangle the cheese and the toppings as I cut, and while the pizza is still good, I always feel like the pieces come out messier than they should.

For a while, after each time I mangled a pizza, I’d say to Kelly something along the lines of “I have an idea for a cutter that would pre-cut the slices.” I’m sure I was never that precise, but the idea of a metal utensil that could be used to cut pre-cooked pizza slices always stuck in my mind. I spent time looking for something that did the job, but all I found were either hand held cutters, or large whole pizza cutters, operating on cooked pizzas. Small hand held cutters never worked for me, and large whole pizza cutters started at $200.00. That seemed pretty outrageous for something as simple as I what I had in mind. Finally, I decided to just have one made by a welder or metal worker. That is what I present to the world now:


“The Perfect Pizza Press”

Perfect Pizza Press

My invention (for lack of a better word), is a large utensil made of metal, that is pressed into flattened uncooked pizza dough, right after the sauce is put on. The utensil remains in place all through placing toppings on the pizza and the cooking process. The pieces of pizza cook individually, while the metal actually causes the sides of the pizza to cook a little too. The result is a piece of pizza that has all toppings in tact and a clean cut every time. Let me illustrate the process as I tested it myself.

I won’t go into a recipe for pizza or dough here, but simply show the important steps.

***

First, the dough is spread out and sauce put on.

***

Second, I spray the Perfect Pizza Press with non-stick cooking spray. This version of the Press requires a tad bit of seasoning.

***

Next, I firmly press into the dough, using the handles for force and to rock the Press a little to make sure the pieces are cut.

***

Then I put on the toppings. What you see in this picture are eight slices containing a mix of vegan mozzarella and vegan cheddar cheese, topped with either vegan pepperoni, vegan sausage, or both. You can customize each slice if you want to.

***

Once cooked, the Press is carefully pulled out. Some cheese stuck in a couple places in my first try, and I think this was due to inconsistent spraying of oil. However, just a quick flick of a butter knife took care of that. The dough did not stick to the metal, and this is the result: Eight perfectly sized pieces of pizza with three different kinds of topping configuration. All other pizza slice devices that I could find are designed to operate on cooked pizzas. My design is the only one I’ve been able to find that focuses on the slice from the beginning and all the way through the cooking process.

***

There are a few reasons I’m posting this. First, I’m staking my claim to this idea publicly on this day. Secondly, if anyone has seen this before, please tell me. I did a lot of searching and couldn’t find anything that worked like my idea. I even did patent searches. Thirdly, and most importantly, I’m offering this for sale at cost to anyone who would like to try this out for themselves. This is an important step in my eventual goal to market and sell this on a mass scale. It needs more real world use, but I can assure you that it works as I have described, and is extremely durable. Hence, I’m selling it cost because it should last you quite a while.

If anyone is interested in purchasing one of my Perfect Pizza Presses or has feedback please let me know. Since I am not at the mass manufacturing stage, I can’t say what the cost will be until I get an idea of how many people want it to test with. If you’re interested, please email me, and I will let you know when I can calculate the price. Furthermore, since this an early product design, I’ll throw in a 2 year warranty on the Press for any manufacturing defects. It should last nearly forever unless it gets used as a frisbee.

If you’re not interested, but have feedback and comments anyway, I would appreciate that as well. This is completely out of the realm of my normal day job and skill set, and it’s all new to me. Any and all feedback is desired.

To contact me, the best way is shane dot p dot brady at gmail.com. Again, once I get a number (I hope someone is interested :) ), I’ll be able to give people a price, and if you’re still interested, we’ll work out shipping details as well as what size is needed.

Thank you for reading this and for any feedback it brings on.

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Posted in General, Veganism | 9 Comments

And so it ends this week…

This week Jonathan and I end our sixteen month podcast known as the Libertarian Dime. After sixty-eight episodes done in sixty-nine weeks, generating around a hundred hours of content, we lay it to rest. We met a lot of great people, some of which became friends, I learned how to interview even when unprepared, and I honed my production skills.

We worked hard. Since April 30th of 2008, I haven’t missed a week. Jonathan only missed one because of a last minute emergency. We worked around birthdays, holidays, and trips. No one can accuse us of half assing it, that’s for sure. I thought the best way for the podcast to generate listenership was to have new product every week until we were established, so that’s what we did.

And there lies the rub. The listenership. We never really caught on like I hoped, drawing a smallish but loyal audience. While I mastered the technical aspects of the podcast, I never did figure out how to get us to the next level. The free market has spoken though, and it’s time Jonathan and I listened. We have nothing to be ashamed of, though, as our total downloads can be expressed in the tens of thousands, but in order to have real impact, we would need to be bigger. That might be possible except for the other reason we’re ending the show.

Burnout on politics. In an ironic twist, doing a Libertarian podcast means spending large parts of your life each week worrying about government, the very entity I want out of my life. This past Thursday it all came to a head inside my brain, and I started the push to end the Dime, only to find out a couple days later Jonathan was already going that same direction. It’s not easy to do a political podcast every week, especially one focused on a minority philosophy. So before we come to hate the very podcast we created, we accept the burnout, and move on.

I’m going to be taking a break for a while from podcasting, while I work on other ideas. Jonathan and I already a list of ideas for projects we’d like to work on, and some of those will commence once we’re rested. I’ll try blogging more on non-political topics. There are a myriad of things I’d like to work on, and after showing that I can dedicate myself to an endeavor until it’s logical end, I feel better about working on these new things.

In closing, the Dime will always have a fond place in my memories. I never in my life did anything outside of work that generated so much content, connected me to so many people, and was consumed by so many people. I’d like to thank all of our guests for their support (except you BJ Lawson), because I really did learn a lot from them. I’d like to thank Jonathan for signing up for such a nutty idea of mine to do a podcast. And lastly, I’d like to thank my wife Kelly for all her support starting from day one.

And as I say, or rather, used to say, on my podcast: With that, I’m calling it a night.

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This is a little less nice than I would be about it…

Check this out:

http://market-ticker.denninger.net/archives/1086-Ok,-Im-Done-With-Being-Nice.html

The author pretty much rips an old lady a new one for extremely poor financial choices, and castigates the New York Times for putting out such tripe. I have to agree on the tripe part. What is the point of putting out a “poor her” story about someone who obviously made some serious mistakes over and over again in treating her house like an ATM? Do the writers not understand what an absolutely idiotic financial move it is to take out a home equity loan to buy a new car? The only thing dumber would be is if she took out money to pay for a leased car.

She ran up credit card debt, living outside her means (I assume if there had been some emergencies the article would have listed them), and again used her house an atm. They mention a “new roof” being the largest chunk of change out of a $20,000 cash out, but I’m calling bs on that. I bet most of that was to pay off credit card debt again.

Look, I don’t want to pile on Ms. Ulery. I’m not happy that she’s in the situation, but let’s be honest. She’s not taking any responsibility for her actions and she’s complaining about the government not doing enough to help her. As a libertarian, of course, I don’t think the government should be involved in this mess at all, but how can even the most liberal of people think it’s okay for taxpayer money to pay for people’s mistakes like this? Nothing in the story points to any sort of catastrophic event in her life. Nothing about a major illness contributing to past debt (though some sort of “stress illness” is mentioned now preventing her from working), nothing about a nasty divorce, or failed business. Nothing at all which appears to be out of her control. No, she made a series of decisions that of course would end up where she is now. And she wants the US taxpayer to pay up and bail her out.

I’ve made plenty of financial mistakes in my past. I carried too much credit card debt in my 20′s. I didn’t save enough, I never should have bought the Intrepid I own, and something else happened that was kind of out of my control that still effects me today. However, in all cases, it was my fault. I know exactly what decisions I made that were poor and led to the chain reaction of events. Even the event that was really out of my control could have been mitigated better if I had paid better attention. At no point, did I even conceive of blaming someone else. I can’t even fathom the thought process that would have led me to blame others.

Only when you take responsibility, can you fix the problems. I don’t carry credit card debt anymore, and I hate the feeling of having any debt aside from my mortgage. The only debt Kelly and I have now outside our mortgage is a small line of credit we used to buy our couch. It’s not like we even need it, we’re just keeping the cash in the bank to earn a little interest while our credit line has no interest for a while. Even though it’s just a cash flow arrangement that will never cost me a dime, it still bothers me a little. I don’t like having debt.

When we bought out first house, we put down 20%, took a fixed year mortgage, and paid less than the market value. Two years later, we still paid less than market value, even with the real estate slump. We were tempted to take out some equity to redo our kitchen, but ultimately decided against it. Just didn’t seem worth it to borrow for something that would basically be for vanity. We’ll just focus on saving up and doing it later. The point is, our house isn’t an ATM. If something catastrophic happened we could use the equity or sell it off, but only in extreme emergencies.

I’m not sure I ended up where I wanted to, but I think my point is: Take responsibility for your own actions and understand the consequences. It’s clear the New York Times and Ms. Ulery don’t understand this.

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Isle of Wired

When we moved into our new home almost two years ago, we chose a sun room to be our main office. It doesn’t really lend itself that well to an office in that there aren’t great places to hook up phones or to put network drops in. My thinking was that wifi would work well in a big open house with out a lot of walls. It did work pretty well with our laptops, but with desktops, we had varying results. The wireless cards in the back of the computer meant that the antennae were usually blocked by the case itself. The speed would shift back and forth, which would make the connection kind of flaky.

My first solution was to bring a Linksys WAP54G into the office to act as a second wireless access point. That did stabilize the connection, but it still wasn’t perfect. Plus, Kelly’s computer contains our music collection and sharing over wifi wasn’t always that quick. So, recently I acquired two Linksys WRT65GL wireless routers to attempt to build an isle of wire computers in my house. The builtin firmware didn’t cut it though. I did a couple quick Google searches, and found my way to OpenWRT.org and wiki.OpenWRT.org. The directions were simple as hell, and within a few mins I had flashed my routers with the Kamikaze 8.09 firmware.

The configuration was simple enough. Give each router an ip other than 192.168.1.1 and put it into bridge mode. Setup the wireless security and set the router to be a wireless client. Reboot, and viola! I created a wired isle inside my office and a second one in my hobby room/podcasting studio. I have an older iMac that can’t easily have a wifi card added to it, but now I can just wire it in.

Links that helped:

http://www.openwrt.org
http://wiki.openwrt.org
http://oldwiki.openwrt.org/OpenWrtDocs

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Crosspost: Editorial: The Unintended Consequences of Credit Card “Reform”

Crossposted from (http://www.ldnetwork.tv/2009/05/20/editorial-the-unintended-consequences-of-credit-card-reform/)

This week with wide support and much fanfare, the US Senate passed a bill called the “Credit Cardholders’ Bill of Rights Act of 2009″, touted as a measure to “protect” us against the “evil greedy” credit card companies. Let’s get the the basic facts straight though. No one is required to use a credit card. No one is required to carry balances over each month. No one is required to spend up to the limit of five or more credit cards. I do realize emergencies happen, but I have yet to see any study or report that shows a large amount of credit card use to be anything but conspicuous consumption. Our problem with credit is not that we have tons of unprecedented emergencies, but simply that we spend too much. The problem with credit card balances are not the credit card company’s: we own that one.

That is not to say that credit card companies have our best interests (bad pun, har, hard) in mind, either. After all they are in the business of giving unsecured lines of credit to the general population, and currently they are in trouble as an industry for giving out credit lines to too many people with lousy credit histories. They’ve been poorly run and I have little sympathy for their self created problems. If they can’t be responsible in who they choose as customers, then good riddance. Go bankrupt for all I care.

So now, with the economy in shambles and politicians eager to earn brownie points with consumers who on average carry around $11,000 on credit cards, comes the warm and snuggly sounding bill that gives us consumers a new “bill of rights.” Credit card companies will now be restricted in rate increases, for how long they can increase rates, be required to make the fine print more obvious, and show people how long it will take to pay off their balances with the minimum payments. In other words, this bill is designed to limit revenue generated by credit card companies and provide information that people already have access to if they were responsible with their finances. While I don’t agree that the government needs to get involved in this, let’s all be honest with what this bill is really doing. If you believe this is indeed where government should intercede, fine. I understand where you’re coming from. I just don’t agree with it, and allow to explain why.

The credit card companies are going to react in some way. They’re going to react in ways Congress and Obama certainly haven’t considered. Let’s look at a few obvious ones that have already been thrown out there:

* Return of the annual fee
* A paring back of reward programs
* Fewer promotional rates and offers
* Job cuts

However, I think there is one change that might well happen but no one seems to have discussed. Credit card companies might in fact, raise credit limits. This might seem counter intuitive, but it seems to me to play into human behavior. Consumers will not change behavior because of this bill. They might because of the economy, but not because of this bill. Credit card companies will need to make up the revenue somewhere, so why not increase limits and take the interest off of larger balances. I honestly think that is where this bill creates incentives. Instead of seeing rates of 18% on $3,000 balances, you’ll see 9% on $6,000.

Using a calculator from bankrate.com, a $3,000 balance at 18% paying the monthly minimum, will cost you $1716.00 in interest. Using the other scenario, you will pay $1355 in interest. While the credit card company took a 21% hit in revenue, you went into twice as much debt. At 11% interest rate is where the credit card company gets back to the same amount. Surely, a credit line of $6,000 at 11% will seem like a great deal compared to $3,000 at 18%. The former looks like the deal of someone who is well off and is responsible, the latter perhaps the average consumer, but they pay off the same.

I think it is an almost certainty that the credit card companies will react in some way that will in the long term be more detrimental to consumers than if the government had never gotten involved. There will be unintended consequences not listed in this article, too. The government is removing a moral hazard from the consumer-credit card company relationship, and history has shown us that usually leads to unintended disasters. I wish our legislators would take more seriously the cause and effect of changing the incentives.

On a side note, I applaud the news networks for pointing out the completely unrelated rider attached to the bill allowing loaded handguns into national parks. However, I wish they would do it more often, that is, pointing out unrelated legislation, and not just when it’s about an issue they are either strongly for (Fox News) or strongly against (MSNBC).

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