Matt & Jen Simerson

Playing a HD movie against the snow white ceiling of a snow cave is unreasonably appealing. Thankfully, the 3M MPro120 is priced high enough that I can avoid the temptation.

It’s Banks vs. Families, Who Will Come Out on Top?

The short version is that I studied the economics of the middle class and I began to see that credit products were becoming increasingly dangerous. Families didn’t know how much they were spending on credit and comparison among the products was practically impossible…
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The idea behind the current model is, “I will hold something shiny in front of your eye, 3.9% financing, and the way I’m going to make money is on tricks and traps that I’ve buried in the fine print: $29 there, $49 there, triple interest rate, double cycle billing, over and over and over … .”

…one of the issuers took me aside and said, “We get that our business model is unsustainable over the long haul, but no one of us can jump first.” On the plane home from the meeting with the issuer I realized how broken the market is….

The new Mustang ships with 305 ponies and gets 31mpg. The article doesn’t mention if the back seat has room for two child seats.

I think Christine Gregoire’s sin tax is a mediocre approach to an excellent idea. In addition to taxing poor consumption, the tax plan should also create incentives for healthy foods. With that in mind, I present the Washington State Health Improvement Tax.

Rather than a flat tax on products that are ’sin’ items, tax products based on the level of Bad Things[*] in them. For example, candy and gum would be taxed on the grams of sugar included per serving. Cigarettes would be taxed on the levels of tar and nicotine. The tax would discourage ‘more sinful’ items because of increased cost, and it creates a market incentive for manufacturers to create healthier products.

It’s illogical to tax sugar-free gums that prevent tooth decay (a health benefit) the same as sugar rich ones that contribute to decay and diabetes. Low sugar gums should be taxed less, giving them an market advantage. Cigarettes with lower levels of tar and nicotine would be taxed less, encouraging smokers towards cigarettes that are less addictive and toxic. Fat, juicy premium steaks would be taxed more than lean cuts. Milk with growth hormones would cost more, making organic milk more cost competitive.

* Bad Things is defined as FDA regulated (food) items consumed by humans that cause poor health. The list should include, but not be limited to: Nicotine, saturated fats, trans fats, sugar, high fructose corn syrup, BGH, high levels of sodium, e coli, etc.

The tax scale should be progressive, so that the most unhealthy products are taxed the most. Dieticians and nutritionists should determine the level of ill health each ingredient causes and the tax implemented based on that.

For example, every gram of sugar above 10 per serving is taxed at the rate of $0.01 per gram. Every gram of saturated fat above 1 is taxed at the rate of $0.10 per gram. Each mg of sodium above 250 per serving would cost $0.01. Under this scale, a 2 oz. Snickers bar with 28g of sugar ($0.18) and 4g of saturated fat ($0.30) would cost an extra $0.48. A slice of Costco chocolate cake would cost an extra $0.20. A bag of Nacho Cheese Doritos would cost $0.80 more.

To make compliance easier, charge the tax at the wholesale level for prepackaged foods. Prepared foods would have to be taxed at retail.

An optional nicety would be providing incentives to encourage merchants to include nutrition summaries on checkout receipts, as well as how much they contributed to the WS-HIT by making unhealthy choices.

Piggyback the WS-HIT tax with an excess packaging tax that taxes products with high levels of waste packaging. Rather than a $0.01 per ounce tax on bottled water, make the tax progressive so that it encourages consumers to purchase products with less packaging. Christine’s tax does not encourage someone to purchase a gallon jug of water versus 8-8oz bottles. The 8-pack has significantly more packing waste and should be taxed more. The large bottles that the Culligan man delivers are reused and should not be taxed at all.

That’s a tax proposal I’d vote for. Would you?

head circumference is 22 1/4″

After 50 hours of walking at my desk, a few shortcomings compelled me to action. Most of the treadmill surface was under the desk and not available for walking, forcing a shortened stride. It was also unsuitable for jogging or running. We left the treadmill on sliders, so it could be slid out for running. The most annoying problem was not being able to use the controls while standing on the treadmill.

On Saturday I did a little measuring and planning, and then cut out a 11″ x 32″ rectangle for the treadmills console to protrude through. I positioned the cutout 8″ from the front of the desk, leaving exactly enough space behind the console for my iMac to perch on. Then I slid the desk over the control unit and moved the desk surface up.

After everything was in position, I found two problems. The iMac fit but there wasn’t enough space between its chin and the back of the treadmill console to tilt. The solution was cutting a 1.5″ x 14″ notch at the rear (the part I stand in front of) of the desk cutout. That allowed the treadmill to move forward 1.5″ and now I can tilt the iMac.

The other problem was the shelf. With the initial cut, it didn’t fit. Anywhere. After adding the notch and moving the treadmill forward, it was mountable as can be seen. The ideal mounting distance from the front edge of the desk to the cutout is 12.5″. Everything fits perfectly.

I have used this new configuration for 10 hours now. I would like a little more desk available for my forearms to rest on, and I need to raise the desk surface. When I last raised it, I forgot to factor in the incline of the treadmill. Without intent, I created an adjustable height walking desk!