Keeping your children from dying is the first and highest goal of every parent. Humanity in the Agrarian Age could not do so. That is an index of how much pressure from material want humanity found itself under.Grand Narrative: Desparate Poverty in the Agrarian Age
If you ever wondered why we can’t have single form tax returns, or automatically prepared tax returns with the information the IRS already has, the reason is because Intuit and H&R Block have made it illegal for the IRS to offer such a service.
They’re trying to perpetuate that status quo, permanently preventing the IRS from offering tax prep software. The best way to fight them is to never again pay them a single penny.
For tax prep, I’ve been using credit karma for the past couple years and I recommend it.
In the year 2013 we acquired our fish tank and a few goldfish from Highland Terrace Elementary. Months later our tank population grew when neighbor kids tired of their fish. The goldfish eventually outgrew our tank and retired to an outdoor pond. We replaced with a few Neon Tetras. One by one, the tank population shrank until 2016 when only one (from our neighbors) remained: Methuselah the Ancient.
Methuselah moved with us to our new home in 2016. After that initial year of construction and mayhem we added two more fish, three snails, and a pair of shrimp. Methuselah had tank mates again but he paid them as much attention as they paid him: not much at all. Methuselah the Ancient has been the subject of many stories and his old owners still come visit (he never knew they weren’t coming to see him).
On Saturday June 16, 2018, Methuselah the Ancient was found stuck to the intake of the water filter. Farewell oh ancient one.
Straight from the department of Don’t Ask Questions You Don’t Want To Know Answers To comes today’s plumbing edition: “how much water could possibly be left in this pipe?!”
I’ve grown Basil on our windowsills for a few years. Version 3 is now growing in Utz Cheese Ball containers.
With flower pots, I used a moisture sensor and watered the plants a couple of times a week.
Version 2 of my window planters was less pretty but massively more functional gallon milk jugs. Their square shape provided far more volume in the same sill print. In that extra space, I also integrated some physics to reduce maintenance. I put an inch of gravel in the bottom of the jugs, a layer of fabric, and then filled the jug with potting soil. The fabric just keeps the soil out of the gravel. The gravel provides drainage when the soil gets saturated. As the soil dries, water wicks up from the gravel via capillary action and moistens the soil from below. When I can’t see water in the bottom, add some. It worked very well.
While v2 worked great for the plants, the gallon milk jugs were hard on the eyes. I watched for substitute containers. Last years make-the-walls-7-inches-deeper-project left us with 9″ deep window sills. That permitted use of containers in many more sizes and shapes.
Version 3 was born when the last jug of cheese balls was empty. I nipped off the top couple inches and assembled it the same way as v2. I dropped in a few basil plants and set them in my West window. They couldn’t be happier. Since I only have to water them every few weeks, I’m happy too. It’s time to buy more cheese balls!
Today I heard my neighbors car alarm go off so I headed to a window. Then their other car’s alarm started going off too. Looking out the window, I could see both neighbors and their daughter, pushing buttons on their remotes to get the alarms to shut up.
Seizing the moment, I grabbed a broom and raced out the door towards them. While brandishing my broom high I screamed at them, “get away from my neighbors car.” Rhonda, their daughter, who had set off the first alarm was rendered utterly helpless. Apparently it’s much harder to dodge a broom waving maniac while busting a gut laughing. Who knew?
Smitty, upon hearing the first alarm, thought it was his car so he grabbed his keys and hit the alarm button to turn it off, which is why there was now two car alarms blaring. Rhonda had turned off the first alarm, but then Smitty’s started so she hit the alarm button again, turning it back on. I arrived in time to inject more confusion and transform it into a true comedy of errors.
Get them jollies while you can!
A Freakonomics Radio podcast I just listened to, Everything You Always Wanted to Know About Money (But Were Afraid to Ask), stated that studies have shown that in the USA and in nearly every other country studied, the percentage of people who are financially literate is under 30%. That’s the bad news.
The good news was Harold Pollack’s “all the financial advice you’ll ever need fits on an index card” conversation. I took notes:
- save 20% of your income
- pay off your credit card bill in full every month
- max out 401k & other tax advantaged accounts
- it reduces your tax burden today
- matching employer contributions are free money
- never buy or sell individual stocks
- buy inexpensive and well diversified index and ETF funds
- make your financial advisor adhere to the fiduciary standard
- buy a home when you’re financially ready
- homes are something we use and consume
- when are we ready?
- have 20% in hand
- fixed rate 15/30 year mortgage
- still have reserves for home maintenance
- insurance: be protected against losses > your reserves
- get the largest deductible
- do what you can to support the social safety net
- bad stuff happens
- lots of people need help
I now have a full year of electric production and consumption measured. I also have the SCL rate updates for 2017 and 2018 so I have updated my solar ROI estimates. The significant change is that the Net Metering benefit has substantially increased due to:
- SCL electric rates are higher in Shoreline than Seattle.
- The 2017 and 2018 rate increases are 5.6% (estimated at 4%)
- An added RSA surcharge of 1.5%
- The coldest winter in 32 years
- More electricity use than I predicted.
- I was still insulating deep into the heating season.
- I guesstimated the kWh it would require to heat a 1955 house with heat pumps.
- I installed a fast (level 2) charger for our Leaf. We were able to use it more, offsetting gasoline with electricity.
- The increased usage is all at the higher 0.14¢ price tier.
Reasons 1-4 weren’t known during my initial estimates. Reasons 5 and 6 were planned but their scale was unknown. I knew I’d be removing all natural gas appliances (furnace, water heater, fireplace) but I hadn’t yet decided whether to install tankless electric or a heat pump water heater. I hadn’t chosen the heat pumps for house heat yet so I didn’t know their HSPF. I also didn’t know how much more we’d be able to use the Leaf.
The net result is that I now estimate a 100% return on the solar array in the 6th year instead of the 8th year.
- I did not include the cost of the heat pumps or the heat pump water heater. Those were efficiency upgrades that I’d have done anyway. If I were keeping natural gas, I’d have replaced the old 80% furnace with a 97% modulating furnace and the “well past its expected lifespan” gas water heater with a gas tankless. In both cases the costs are comparable and just like replacing the fridge, the efficiency increases have their own ROI schedule.
The coldest Puget Sound winter in decades is receding and with it the heat pumps heavy period of energy use. April showers are upon us, the sun is rising higher each passing week and solar output is crawling out of the winter basement. In the past week, the solar panels produced 75% of our household energy budget. It looks like we’ll be into “solar surplus” territory by the end of April.
Very roughly speaking, DeLong’s argument is this: everyone agrees that Germany is the poster child for an advanced economy with a great manufacturing policy. And yet, their manufacturing employment has steadily declined for the past half century too, just like ours. So if this has happened to Germany, there’s not much of a case for suggesting that the US has done anything especially wrong over the past 50 years. We’ve simply evolved from a (relatively) poor manufacturing nation into a (relatively) rich services and technology nation. This has nothing much to do with trade policy, either. It’s just what rich countries do. What’s more, it’s a decidedly good thing overall, even if it does affect a smallish number of people badly.
This is not terribly different than agricultural employment. At the turn of the 20th century about half of US workers were employed in agriculture. A hundred years later as we skated past Y2K it is about 2%.