- Uop past midnight. 3am feeding. 5am hurts. Back to bed? #
- Stayed up this morning and watched Terminator:Salvation. AWAKs make for bad plot advancement. #
- Last night, Inglorious Basterds was not what I was expecting. #
- @jeffrosecfp It's a fun time, huh. These few months are payment for the fun months coming, when babies become interactive. 🙂 in reply to jeffrosecfp #
- RT @BSimple: RT @bugeyedguide: When we cling to past experiences we keep giving them energy…and we do not have much energy to spare #
- RT @LivingFrugal: Jan 18, Pizza Soup (GOOOOOD Stuff) http://bit.ly/5rOTuc #budget #money #
- Free Turbotax for low income or active-duty military. http://su.pr/29y30d #
- To most ppl,you're just somebody [from casting] to play the bit part of "Other Office Worker" in the movie of their life http://su.pr/1DYMQZ #
- RT @MoneyCrashers: Money Crashers 2010 New Year Giveaway Bash – $8,300 in Cash and Amazing Prizes http://bt.io/DQHw #
- RT: @flexo: RT @wisebread: Tylenol, Motrin, Rolaids, and Benadryl RECALLED! Check your cabinets: http://bit.ly/4BVJfJ #
- New goal for Feb. 100 pushups in 1 set. Anyone care to join me? #
- RT @BSimple: Your future is created by what you do today, not tomorrow"— Robert Kiyosaki So take action now. #
- RT @hughdeburgh: "Everything you live through helps to make you the person you are now." ~ Sophia Loren #
- Chances of finding winter boots at a thrift store in January? Why do they wear our at the worst time? #
- @LenPenzo Anyone who make something completely idiot proof underestimates the ingenuity of complete idiots. in reply to LenPenzo #
- RT @zappos: "Lots of people want to ride w/ you in the limo, but what you want is someone who will take the bus w/ you…" -Oprah Winfrey #
- RT @chrisguillebeau: "The cobra will bite you whether you call it cobra or Mr. Cobra" -Indian Proverb (via @boxofcrayons) #
- RT @SuburbanDollar: I keep track of all my blogging income and expenses using http://outright.com it is free&helps with taxes #savvyblogging #
- Reading: Your Most Frequently Asked Running Questions – Answered http://bit.ly/8panmw via @zen_habits #
I’d Tap That: Making Life Difficult for Government Spying
Skip to the bottom if you’re familiar with PRISM and don’t want to hear any political talk and rampant violations of our Constitutional rights, but still want to protect your privacy.
For those of you who haven’t been paying attention, the PRISM program is an NSA program to monitor electronic activity.
Lots of electronic activity.
The companies identified to be working with the NSA in this grand overreach include AOL, Apple, Facebook, Google, Microsoft, PalTalk, Skype, Yahoo! and YouTube. For most people, that is the definition of “the internet”. If you’re doing it online, the NSA is–or could be, at their leisure–watching.
This isn’t a crazy conspiracy theory. This is happening, and the government has admitted it. In fact, when this broke, the executive branch’s response was along the lines of, “Don’t worry, we’ll find the guy who leaked this information.”
On top of that, the government has been demanding phone records from at least Verizon on a daily basis.
In addition, the Justice Department was just busted wiretapping Associated Press phones.
Seriously, if you put this in fiction, nobody would buy it, because it’s ridiculous in the land of the free.
As far as the people who say I’ve got nothing to worry about if I’m not doing anything wrong: shut up. You can speak again when you give me your email passwords, bank records, and let me install a toilet cam in your house. What are you trying to hide?
Seriously, there is such a mess of non-legislative administrative regulations that are considered felonies that the best estimate is that most people commit three felonies a day, without realizing it.
- Catch your kid with a joint and neglect to call the cops? Welcome to the federal penitentiary.
- Use one of those pill planner things to sort prescription meds for your half-senile grandmother? In some states, that’s a felony.
When we live in a system with so many rules that have never been voted on and our legal system refuses to consider legitimate ignorance of the law to be a defense and we have a collection of secret laws that are a felony to disclose or violate, government spying gets far more dangerous.
- Many TSA guidelines are secret.
- The Banking Secrecy Act of 1970 has a number of secret provisions.
- FISA.
The Foreign Intelligence Surveillance Act of 1978(FISA) is the law the NSA is using to justify all of these data requests. The law, that we all must obey, is being overseen by a small subcommittee in Congress, and the FISA courts are just a small subset of the judges. The judges are signing warrants allowing the wiretaps and massive surveillance, but that is clearly unconstitutional and, hence, illegal.
The text of the Fourth Amendment to the Constitution, the supreme law of the United States is: “The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.”
Any warrant that cannot name a place to be searched is illegal.
Any warrant that cannot describe the person to be monitored is illegal.
Any warrant that is not backed by probable cause is illegal.
Tell me how “I want to watch what everyone is saying on Facebook and seize all of the data” meets any of those criteria.
Bueller?
Wiretapping the AP is a serious violation of the First Amendment, too. “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.”
“Congress shall make no law…abridging the freedom of speech, or of the press..and to petition the Government for a redress of grievances.”
Monitoring the press in case somebody breaks a story the government doesn’t want broken is crap.
How can we petition the government for redress of grievances that they call a felony if the company discloses the violation to us? It’s self-serving circular crap.
When you throw the IRS harassing charities working for the “wrong” politics, you start to pine for the good old days of Nixon-level fair play and integrity.
To be fair, FISA got nasty with the Patriot Act, which was an abomination enacted by a different political party. Hey, Washington, next time try to remember that your laws will someday be administered by your political enemies, k? (NSA: I trust you’ll pass the message for me?)
Political talk is over. How do we stop the government snooping?
There are four main pieces to discuss, based on the scandalous Constitutional violations reported recently.
1. Social media monitoring. There’s nothing to this. If you post things on Facebook, the government sees it and knows it’s you. Don’t post anything you don’t want broadcast to the police, your grandmother, and your priest.
2. Internet browsing. There is very little that is secure on the internet. The government can subpoena your ISP and get any records they keep. Unless you go anonymous and encrypted. Welcome to TOR. The Onion Router is a system that encrypts your internet traffic and bounces it all over the world. Once you enter TOR, nothing you do can be tracked, until your internet request leave the TOR system. The system is not centrally owned or controlled, so nobody in the system can track what you are doing.
For example, if I use the TOR browser to search Wikipedia, a snoopy NSA goon could tell I’m using it, and they could tell there was a request from the TOR system to Wikipedia, but they can’t tie one request to the other. If I’m dumb and log into Facebook, I lose that anonymous shield.
That’s solid protection from anyone watching your internet traffic.
How do you use it?
Easy. Just install the Tor Bundle. When you want the NSA to stop snooping over your shoulder because you want to do a search on erectile dysfunction, you launch TOR and the TOR browser and search without having to share your embarrassing secrets.
3. Email. Email is easily the least secure means you can communicate. When you send an email, that message is in plain text, and it bounces from server to server until it reaches the recipient. Any of the involved servers can keep a log of the traffic and read your email.
Never, ever, ever, ever put anything incriminating or important in an email. Don’t send credit card numbers, your social security number, or the address of your meth lab.
But what if you want to have a dirty conversation with your spouse without letting the sick voyeurs at the NSA listen to you ask your wife what she’s wearing and how would she like it torn off?
Use PGP. OpenPGP is a free software encryption program that is basically impossible to decrypt. It’s known as public-key encryption, which means that anybody can encrypt a message to you that only you can read.
It’s like magic.
To use PGP, the easy way(for Windows users) is to get Gpg4win. Install that, then open Kleopatra. This will let you generate your encryption key. You do that by:
- Clicking File, then New Certificate
- Click Create Personal OpenPGP key pair
- Enter your name and email, then click next, then “Create Key”. Enter your passphrase when asked.
You now have a set of PGP keys. To get your public key that others can use to send you messages, right-click your certificate and select “Export certificates”. Pick a path to save the certificate, then do so. You can open this file with notepad to get your public key, or you can email the file out. There is no need to worry about security with this file.
You will end up with something that looks like my public key here:
—–BEGIN PGP PUBLIC KEY BLOCK—–
Version: GnuPG v2.0.20 (MingW32)mQENBFGyPPkBCAC8zc5B7srG/ZyRMpokP3KyIMd9GA4n94wT89sP/yWFylbTKXDM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=fHba
—–END PGP PUBLIC KEY BLOCK—–
To get your private key, that you can use with any number of plugins for your email client, right-click on your certificate and select “Export secret keys.”
You can either use PGP as a plugin for your email client, or you can use Kleopatra’s feature “Sign/encrypt files”. To do that, write your message in a file, then select the feature inside Kleopatra. You’ll end up with an encrypted file you can attach to your email that snoopy government man can’t read.
4. Phone calls. This would appear to be harder, since your phone is largely out of your control. There’s nothing practical you do about a landline, except to avoid saying anything sensitive. On your cell phone, you have options, assuming you use a smartphone.
For Android users, it’s free an easy. Install Redphone. If you place a call with Redphone, it checks to see if the caller also uses Redphone. If he does, it places an encrypted call over your data plan to the other phone. Nobody can listen in to an encrypted call. The same company also makes a program for texting.
For iPhone users, you’re stuck with Silent Circle for $10/month, which may be a better option, since there is support for more devices, including Android. It was designed by the guy who designed PGP and handles texting and email, too.
That’s it.
There you are, the whats, whys, and hows of modern, hassle-light, private communications. Doing what we can to foil bad government programs is our patriotic duty.
Money Hacks Carnival #105: The All Government, All the Time Edition

Welcome to the 105th edition of the Money Hacks Carnival: The All Government, All the Time Edition. Deep in the bowels of tax season, it’s not surprising that tax- and government-related articles are popular.
Editor’s Picks
LeanLifeCoach presents What Is Your Learning Style? This is an important lesson for anyone trying to teach. My main side hustle involves teaching. We try to address each learning style to engage all of our students. I’m a visual learner. In school, I always read ahead and I’ve never been able to focus while someone reads to me.
Consumer Boomer presents The Best IRA for You. Holy Educational Post, Batman! Be careful, you’ll learn something if you read this post.
PT presents How to Find Free Stuff Online Without Getting Spammed. I like free things. I hate spam. I’m a part of the target audience of this post. I use an active Gmail account for getting freebies. The spam filter can’t be beat.
Fanny Seto presents 5 Tips on How to Get a Job in this Economy. I’m glad I haven’t had to deal with this recently. If you’re unemployed, take the opportunity to develop a hobby or explore other opportunities. You may be out of work, but that means you have the one thing you can’t replace: time. Use it wisely.
Taxes or Feeding the Monster
Jeff Rose presents How to File Taxes with Your 1099s. All you’ve ever wanted to know (and more!) about the 1099.
Paul Williams presents Deduct Haiti Earthquake Relief Donations on Your 2009 Tax Return. If you itemize, make sure you include any donations to Haiti relief.
freefrombroke presents TurboTax Online 2009 Overview. I love TurboTax. I use it every year and have done so since I discovered I wasn’t capable of figuring out the Earned Income Credit.
Four Pillars presents What Happens If You Lose Your W2 Form?. Keeping track of your tax documents is always important, but what do you do if that doesn’t work?
Matthew Paulson presents Troublesome Tax Myths. Taxes aren’t optional. Ask Wesley Snipes.
Working for a Living or Earning the Monster’s Feed
Darwin presents 10 Highest Paying Degrees 2010 – Best Majors in Demand Now. The part that doesn’t surprise me is that the hard sciences pay well. Art-as-science comes with a smaller paycheck. Hmm….
J. Money presents Life in Grad School Doesn’t Have to Suck…All Your Money. I’ve didn’t make it to grad school, but I did work my way through college with a small baby. It’s good to have a support network.
The Financial Blogger presents Getting Ready for Another Purchase!. I’ve never given any thought to buying a blog. It’s a fascinating read. Make sure you read the related posts to get the full value.
Banking, Credit, and Investing or He Who Pays the Piper Calls the Tune
GLBL presents What to Expect From Mortgage Rate Trends for 2010. I learn something every day. Define “intraday”.
pkamp3 presents Cutting Up the Card. It may be caused by a down economy, but less consumer debt isn’t a bad thing.
D4L presents 20 Dividend Stocks Riding The Tsunami Of Dividend Increases. My first dividend-paying stock paid me 16 cents once. Stocks kind of scare me. In my mind, they’re not much different than a slot machine, so I don’t buy much. I think I had 20 shares of that first stock.
Personal Finance or The Government Doesn’t Have to Be Involved
Matt_SF presents Personal Finance Equations You Should Know: the Cash Flow Equation. If equations make you smile, this is the post for you.
Craig Ford presents 101 Ways To Improve Your Marriage Money Relationship. This goes beyond finance and dips firmly into happy relationship territory.
Hedy presents My Better Business Bureau experience. I’ve found that the sincere threat of a Better Business Bureau complaint can be effective, too.
2 Cents presents Economics: Your Personal Finance Weather Forecast. As a sci-fi junkie, I love the quote at the beginning of the article.
Dodging Taxes and Anarchism
Nope. No submissions in this category.
That’s all. While you’re here, don’t forget to subscribe to my rss feed and follow me on twitter.
What Happens When You Save
- Image via Wikipedia
I’m a debtor.
I’d like that to be otherwise, but I’m pretty close to the limit of what I can do to change that. Don’t get me wrong, it’s changing, but there is a limit to how many side projects I can take on at one time. So, I’m in debt and likely to stay that way for the next couple of years.
As part of my budget, I set up a few categories of items that are either necessities or “really wants” without being immediate expenses. For example, I’m setting aside some money each month for car repairs, even though my car isn’t currently broken. When it comes time to fix something, I hope to have the money available to fix it, without having to scramble or <spit> tap into my emergency fund.
All told, I have about a dozen of these categories set up, each as a separate INGDirect savings account. Twice a month, a few hundred dollars gets transferred over and divided among the savings goals. Most of these goals are short-term; they will be spent within the year, like the account for my property taxes. Some of them are open-ended, like my car repair fund. Some are open ended, but will eventually end, like the fund to finance my son’s braces. All of the accounts are slowly growing.
As I’ve watched the progress of my savings accounts, I’ve noticed something funny.
My confidence is up.
It may only be a few thousand dollars, but it’s more money than I have ever had saved. The vast majority of this money will be spent over the next few years, but having it there, now means that I have tomorrow covered. For the first time in my life, I’m not living paycheck to paycheck. No matter what happens, I know I can make ends meet for a couple of months. That fact alone has reduced my stress level more than I could have imagined.
Two years ago, I was sure I was going to file bankruptcy. Now, I’m looking at being just two years away from having all of my debt gone. I have faith that my future will be bright, and only getting brighter. If I can dig myself out of this hole once, I can do it again, no matter what happens.
This has brought a calm that I can’t easily explain. I don’t have to worry about where next week’s groceries are going to come from, or how we’re going to afford braces in a couple of years.
Having an emergency fund and some auxiliary funds has been entirely worth the work we’ve done for last two years. Have you noticed any changes as you pay off your debt and build savings?
10 Dumb Money Moves
Free Money Finance has a post up on Stacy Johnson’s 10 dumbest money moves. I thought I’d share my take.
Here are the mistakes:
1. Not having a goal
2. Not having a spending plan
3. Attempting to derive self-esteem from possessions
4. Doing what everyone else is doing
5. Starting to save large and late rather than small and soon
6. Paying interest to buy things that drop in value
7. Turning down free money
8. Buying a new car
9. Buying more house than you need or can afford.
10. Not protecting your good credit
Here is my response(and a test: Orthogonal Monkey Silicon Beam)
:
1. For most of the last 15 years, I didn’t have much for financial goals. “Get more money” isn’t specific enough to be a goal, and our spending precluded the possibility, anyway. Right now, my financial goal is simple: Get out of debt. I’m down to about $61,000.
2. We have a budget, even if it’s been partially ignored for the last couple of months. If it weren’t for my side-hustles, we would have come out negative last month.
3. We struggle with this one a lot. “Keeping up with the Joneses” is an issue in our house. My wife’s closest family is 10 years older than we are, and has more stuff, which makes it hard to visit without making comparisons. We both know it’s irrational, but it’s the way it is.
4. We are fighting this one as well. The fight is going better than #3. We’ve stopped using new debt, which shocked our friends, and I’m working on launching a new business, to break more bonds.
5. Is 30 late? We’re saving small while he fight debt, but I think we started early enough to make the rest of our lives easier.
6. We pay far too much in interest each month, but there has been absolutely no new debt since April 2009.
7. I got into my company’s retirement plan to get the match, but that ends next month. My wife’s employer killed the match 5 years ago. There’s no free money to turn down anymore.
8. We bought a new truck, as part of our debt-accumulation, in 2001. In 2005, we instead bought a car as it came off a lease. It had 11,000 miles on it and that saved us $10,000.
9. We bought our house in 1998. It sits on 1/8 of an acre. sometimes space is tight, but we’ve watched so many people trade up and find themselves in severe trouble. I’m happy we’ve stayed here.
10. This is one we’ve always guarded. No matter how much debt we’ve had, we’ve made every payment. We’re hugging the underside of an 800 FICO score. Thankfully, we’re closing in on the point where FICO no longer matters, because we’re paying in cash.
What are your biggest money mistakes?
Carnivals
I spent the day consoling (read: napping with) a tonsillitis-infected little monster.
Live Real, Now was included in two carnivals last week:
Festival of Frugality #327 hosted by Budgeting with the Bushmans
Yakezie Carnival – Setting Your Clocks Edition hosted by 20 and Engaged
Thanks to all of the hosts for including my posts.
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