Cutting Back

I am, thank God, employed.  

However, I don't have high confidence that I will be employed at the end of the calendar year. Considering the way the economy is going, I guess I have about a 50% chance, assuming that there is no rebound in car sales.  

So, my family has been cutting back to save some more cash for our rainy day fund.

Here are a few examples of ways that I have been saving money:

• We don't have cable or satellite TV anymore, we are using one of those digital TV converter boxes on our 10 year old analog TV to watch free over-the-air TV.  With rabbit ears.  It works, and besides, TV is over-rated.  Everyone could benefit from more reading time.
• I don't subscribe to the local paper, instead I read it for free online (sorry Detroit News and Free Press).  I get a few other magazines such as Consumer Reports for free as hand-me-downs from other family members.  There's some thrifty advice you'll never read in CR: hobo your Consumer Reports!
  
• My family has nearly stopped eating out.  Except for the occasional lunch with my co-workers, or a night where we don't have the will to cook anything.
• I have gotten used to driving no more than a couple of miles over the speed limit.  My mid-sized sedan with its <2.5l>
• I am stretching my oil changes out to 6,000 miles (manufacturer suggests 3,000 miles on my wife's car and 5,000 on mine).
• I have cut back on beer and wine consumption.  I used to take a bottle of beer or a glass of wine every day, now I find myself stretching it out by drinking on weekends.  I do have a weakness for scotch, though...
• I have cut back on how much meat I eat.  I think I eat red meat less than once a week now, and chicken or fish no more than a couple of times a week.  I admit this is also to improve my overall health, but you can save quite a bit of money this way.
• I have cut back on buying gadgets, except for ones that have an actual useful purpose.  For example, my old Dell laptop (Windows XP, P4) works fine, no need for one of the new ones--I just replace broken parts, which are cheap and plentiful, when something breaks.  I did buy a new digital camera, but I sold the old one on eBay so it was not a big investment.
• My wife and I don't give each other expensive gifts for birthdays and holidays, just small items to express the thought.  

If you think about your spending habits more carefully, you might be amazed at how many places you are spending that you could trim back, with a little bit of adjustment.

Of course, I'm one of thousands doing the same thing.  As a result, the economic death spiral accelerates.  Restaurants are closing, food producers are hurting, newspapers are going out of business, magazines are getting skinnier (even Consumer Reports).  

Jerusalem Pizza #1

Jerusalem Pizza, a famous local kosher pizza joint, is doing a very cool thing. They are auctioning off the rights to pie #1, post-Passover, with all proceeds going to a local food bank. As of this writing, the pizza is worth $200, but I would expect it to go a bit higher by close on Tuesday. Auction link.

A Black Black Friday

This is a tragic Black Friday. Maybe the whole "black friday" thing should be re-thought.

In New York, a Walmart employee was crushed to death by a crowd that broke down the doors to the store.

And, in an unrelated but equally tragic incident, the hostages that were being held at the Mumbai Chabad House were murdered, along with scores of other innocents. This really hits hard in the Jewish community. Chabad is a charismatic sect of Hassidic Judaism that has as its mission to reach out to Jews all over the world. They set up "Chabad Houses" in cities all over the world, so that Jews that are traveling away from home can find a place to have a kosher meal, study, pray, or just rest. All are welcome, irregardless of affiliation or level of religious observance or knowledge. Killing a Chabad Rabbi and his wife is utterly barbaric, because they are the epitome of kindness and hospitality.

An American art professor and his 13 year old daughter were also killed in one of the hotel attacks. Alan and Naomi Scherr were eating a late dinner together at the Oberoi hotel.

Somehow, the death of innocent people reall puts a damper on my commercial spirit. I don't feel much like shopping at this point, do you?

Happy Thanksgiving!

To my readers, I wish you a happy Thanksgiving!

I think Thanksgiving is my favorite American holiday of all, because it is just the right mix of spirituality and patriotism, with awesome comfort food thrown in for good measure. Thanksgiving is a day to take a pause and think about the stuff that really matters, and to be grateful to our Creator for what He has given us. It doesn't matter if you believe in Hashem, the Trinity, or Allah; even if you don't believe in a Creator, and don't like roast turkey, hey, you're still welcome at the table. That's what makes America great, and why we should be thankful for her.

Dark days are looming for Detroit. There are going to be layoffs, plant closings, dislocations, bankrupcies, and foreclosures, at a horrible pace. But we have a lot to be thankful for, nonetheless. And we will pull through, eventually.

This is a generous land, full of generous people, blessed with natural wealth, and a tradition of law and liberty. I thank God for it.

The New eBay Motors Scam

There's a new scam going around, which is a slightly more sophisticated variation of a fake escrow trick.

Scammers post for sale ads in classified services such as Craigslist or AutoTrader, with a too-good-to-be-true price. Here is one example I found: 2005 Honda Accord.

"Email me for more details : brendapharell@ymail.com .The car is in a perfect cosmetic and engine conditions, and meticulously maintained. No damage, no scratches or dents, no hidden defects, never been into accidents and it is as advertised. Email me for more pictures at : brendapharell@ymail.com . I cannot get in touch with you if you use the "Email this Seller" option because my email address on autotrader is full so please e-mail me directly at: brendapharell@ymail.com"

The car is a real car--in the sense that they borrowed some photos and a VIN from somewhere, so if you run it through CarFax it will check out as a real vehicle.

If you respond, they send you a fake invoice from eBay Motors, along with a fake "Vehicle Purchase Protection" service email.

Here are examples, cick for larger view:


It isn't a perfect fake, but it may be convincing to someone who doesn't know much about eBay. The real eBay Motors does not operate an escrow service, and they explicitly don't allow MoneyGram payments! Also note the fake eBay email address, "ebay@support-center-vpp.net".

The scammers want you to send a non-traceable payment (MoneyGram, Western Union) to a "payment agent", who is probably some idiot who signed up for a "work at home" job "processing internet payments". That guy cashes the payment, and forwards it on to the scammers.

I tried to make contact with the scammer, but he was being very careful--he wouldn't give me a phone number. He stopped respoding to my emails after I pointed out that eBay doesn't allow Moneygram payments, and asked if he could take a PayPal payment instead.

Update: I am starting to see reports of this scam spreading out into Canada and the UK, using other services such as Moneybookers. The rules are the same. If the price is too good to be true (way below market) or the guy wants you to buy a car without being able to look at it, it's not real.

The Hijab And The Muffin Top

Today I took my family to the Detroit Zoo. At the excellent kids playground (near the Penguinarium), I saw a sight common to Metro Detroit: a young Muslim family. The mom was wearing a hijab dress, which covered her hair, arms, and legs, but kept her face open, similar to the photo below. Muslim Mom had a playful side to her otherwise very conservative outfit, she had fancy checkerboard shoes.

Exhibit A: Example of Hijab

From FLICKR

If you pause to think about it, there is some wisdom to this style of dress, even if it is very alien and threatening to us Americans. By being so explicitly modest, the Muslim woman forces you to look at her face--you can't talk to her chest, or any other physical part of her. In other words, you are forced to consider her as an individual, not as a sexual object. I don't think this is the case, by they way, with the more restrictive forms of muslim garb, like the burqa, which by hiding the face of the woman seems to me to nearly dehumanize her.

The Muslim woman, in her modest dress, really stood out because she was surrounded by average blue collar Americans, on a sunny 80 degree day. That means women in flip flops, tight shorts, tank tops, many of which were too large to pull off such revealing clothing gracefully. Not to mention all sorts of tattoos, muffin tops, whale tails, butt cleavage, and so on. What does the sloppy, revealing clothing say about the women who wear it? Doesn't it say, "I don't care what I look like as long as I am comfortable", or maybe "go ahead and look, this is my best asset"?

And what about the competition this sets up? The thin, pretty women in revealing clothes will be compared, by men and by women, to the not-so-thin and not-so-pretty women. But the modest women are competing on a higher playing field, they have to be judged more by what they say and do, not by their physical shape.

Exhibit B: (mild examples)

From FLICKR

Given the choice between seeing hijab and décolletage at the Zoo, I would pick hijab. And I'm not a Muslim!*

Update: I am not saying that women should be required by law to adhere to some dress code, as some of the commenters seem to assume. I am saying people should be more thoughtful about what their mode of dress portrays.

*In fact, the rulers of Iran would like to "purge" some of my "Zionist" relatives.