LRN got hacked this morning. Thankfully, I backup weekly and subscribe to my own RSS feed. 20 minutes to total restoration.
Twitter Weekly Updates for 2010-06-26
- RT @ScottATaylor: The Guys on "Pickers" should just follow the "Hoarders" teams around- perfect mashup #
- PI/PNK test: http://su.pr/2umNRQ #
- RT @punchdebt: When I get married this will be my marital slogan "Unity through Nudity" #
- http://su.pr/79idLn #
- RT @jeffrosecfp: Wow! RT @DanielLiterary:Stats show 80% of Americns want to write a book yet only 57% have read at least 1 bk in the last yr #
- @jeffrosecfp That's because everyone thinks their lives are unique and interesting. in reply to jeffrosecfp #
- @CarrieCheap Congrats! #CPA in reply to CarrieCheap #
- @prosperousfool I subscribe to my own feed in google reader. Auto backup for in between routine backups. Saved me when I got hacked. in reply to prosperousfool #
- @SuzeOrmanShow No more benefits? I bet the real unemployment rate goes down shortly thereafter. in reply to SuzeOrmanShow #
- Losing power really make me appreciate living in the future. #
Saturday Roundup
- Image via Wikipedia
This weekend, my wife is spending three days scrapbooking, which makes it a great time to visit my parents and let my niece and nephew entertain my girls for me.
Best Posts
Following your passion doesn’t always pay the bills. Sometimes, there is a tangent that can cover the mortgage while still allowing you to do what you love.
Not everyone enjoys it, but cooking isn’t hard. It’s not even a talent, but a skill that can be learned. Winging it, or creating your own dishes is a talent.
Did you know the spork’s predecessor was invented thousands of years ago?
Here’s a site to help you avoid conflicts with local customs when you travel.
Potluck game night. I think we need to make this happen at our house.
Carnivals I’ve Rocked
6 Ways to Stretch a Meal was an Editor’s Pick in this week’s Festival of Frugality. GenX Finance rocks.
Cheap Drugs – How I Saved $25 in 3 Minutes was included in the Carnival of Personal Finance.
Questions From a Reader was in the Carnival of Money Stories.
Thank you!
If I’ve missed anyone, please let me know.
Insane Incentives
Spring is in the air.
At my son’s school, that means it’s time for the Minnesota Comprehensive Assessment tests. These are the standardized tests created by the No Child Left Behind Act that determine if a school is doing its job in educating children. If too many kids have lousy scores, the school gets put on the “Adequate Yearly Progress” list and will eventually get penalized financially.
That creates a perverted incentive in the school system. The main metric for a publicly-funded school’s success in Minnesota is the MCA. If a school can churn out illiterate trench-diggers, they will get increased funding as long as the test scores are good.
For a full two weeks before this test, the school effectively shut down the education program to prepare for the MCA test. That’s two weeks of studying for a set of standardized tests that focus on reading, writing, and arithmetic. I’m a fan of schools prioritizing the three Rs over other subjects, but that’s not what they did.
They spent two weeks studying testing strategies, not the material contained in the test.
In science class, they covered essential scientific elements like “Answer all of the easy questions first, so you can go back and spend time on the hard ones later.”
Spanish class covered verb usage similar to “When the time is almost out on the test, answer ‘C’ for all of the hard questions you have left, que?”
They weren’t being educated, they were learning the most effective way to solve a test to gain funding for next year.
For 2 weeks.
That’s not reading practice, or reviewing the parts of speech, or covering the necessary math skills. It’s “This is a #2 pencil. This is a circle. Practice until lunch.”
Is this really what NCLB was trying to accomplish? Standardized tests to measure school proficiency should be a surprise. Let’s randomly send in test proctors to take over a school for a day and see what the kids have actually learned.
Selling Your Home: The Real Estate Agent
If you are not able or willing to sell your home yourself, you’ll need to find a real estate agent. A realtor is someone who deals with all of the hassles involved in selling your home in exchange for a fee of up to 7% of the selling price.
The hassles include marketing, an objective price analysis, advertising on the internet and in newspapers, providing a yard sign, negotiating the sale price, reviewing and filling out the contracts, and navigating the entire process for you. The aren’t meaningless duties, so make sure you are getting what you pay for. You need to find the right realtor for you.
The key to to ask questions, particularly the right questions. You can ask the wrong ones if you’d like, but they tend not to help much.
Helpful questions include:
- “Can I call your previous clients?” If the answer is no, run away! If the answer is yes, get the list and call them.
- “Have you sold any homes near here recently?” Get the names and numbers of the customers and call them. Find out how it went and what they wish would have happened differently. If the realtor hasn’t sold nearby homes recently, keep looking.
- “Will you put your sales strategy in writing?” If it’s not in writing, you may be left paying the full commission, without getting the full promised service.
- “What will you tell a potential buyer that wants to negotiate?” Make sure you and your realtor are on the same page.
Now for some secrets that realtors will not volunteer.
- The selling fee is negotiable. If you live in a popular development, or if nearby homes have sold quickly, you should be able to get your fee reduced a couple of points.
- You don’t have to sign an exclusive listing agreement. With an exclusive agreement, you will pay the realtor a fee if the house sells. Period. With a non-exclusive agreement, you can list with several agents and only pay the one who actually sells your house. If you find the buyer, you won’t pay a selling commission at all.
Selling your house can be intimidating and realtors are there to make the task easier for you. Have you had any problems with real estate agents?
Be Prepared or Be Me
We had some nasty storms roll through over the weekend. There was a lot of tornado-ish activity, 70 mile-an-hour gusts of wind, hail, and an electrical blackout. For almost 24 hours, we were living in the stone age, with nothing but smartphones for internet, and high-lumen flashlights being used to see. With no cartoons for the girls, we were forced to read them bed-time stories, while my son and his friends were forced to use their imaginations to entertain themselves.
Every time we called, the electric company added 12 hours to their estimated repair time. Amazingly, they came in 7 hours ahead of schedule, if you don’t count the first two revisions.
By Saturday afternoon, we were out shopping for things we should have already had ready.
For years, we had discussed buying a generator. For some reason, it never became a priority. We have a large freezer and refrigerator full of food. With no electricity, a generator was suddenly prioritized. All of the places near us were sold out of budget-priced generators when we decided it was better to drop $400 on that than to lose $600 worth of food. We did find one, eventually, but it would have been better to take it out of the garage than have to shop for it when we needed it. Naturally, 10 minutes after we got it home, the power came on. Do yourself a favor: if you own a home and have a small corner available for storage, start shopping for a generator. Pick one up on sale instead of waiting until you have no real choice.
We have a ton of batteries. It’s one of the things we stock up on when they are on sale. Unfortunately, our broadest-beam flashlight takes a 6-volt battery, and we don’t keep a spare. By the end of the night, it was getting pretty yellow and dim. Another night would have killed it completely. This wasn’t a widespread blackout, so there was no shortage of batteries, but it would have been nice to have the spare already at home. Check your emergency supplies and make sure you have replacement batteries that fit everything you need.
The one thing that would have improved the night most is a good lantern. We had our 5, plus two of my son’s friends all trying to play board games by flashlight. A lantern could have been set on the entertainment center and lit most of the room.
For everything we were without due to the blackout, the one thing I truly missed was the air conditioner. When the storm died, so did the wind. Completely. Opening all of the windows didn’t help at all. Other than that, it was nice to have everyone forced to interact. Nobody was whining about being bored and we were all having fun.
I want to schedule a pseudo-blackout more often.
