Anybody else still super covid careful?
2 years ago
last modified: 2 years ago
Featured Answer
Sort by:Oldest
Comments (75)
Related Discussions
does anybody else watch american idol?
Comments (104)We've not enjoyed the show on tv so much in ages, made me think once again how great it'd be to have more entertaining and little less competition, to bring best of Idols and have some extra fun for everyone. No matter, all are winners, except me and especially my daughter, will be listening to Katherine and my younger daughter to Chris (her forever Idol). I think Taylor got the votes for being a friendly country guy -if the show was about congeniality he'd get my votes, he had fun and made us join in the fun, appearing more self-confident- a few years older helps, even if he was at times comical with his dances-we can all use more fun. It reminded us of the times when the "She Bangs" guy was picked as the winner on line, lol. We're fine with the fact Katherine took the 2nd place- it's almost or as grand as the top. Her voice will sing for itself. Wish we didn't have to wait so long for more Idol, GB...See MoreDoes anybody else open-kettle can?
Comments (38)> I don't imagine things are different in Canada, Zabby. Actually, there are some significant differences, which is why there's work for me on accounting texts here, most of which are adaptations of U.S. books. But the overriding principles we're arguing about are universal. > In the U.S. there are 7 sets of GAAPs. I don't know any accountants who talks of "sets of GAAPs" --- they're not like the ten commandments, but a large body of principles and customs. > However, "So the overall cost of my life doesn't go up if I start using that shovel to grow veggies." doesn't ring true in this case. We are not measuring the total cost of your life. We are trying to make a comparison between the costs of a home-canned jar of something with what it costs to buy that something. So, in this case, you have to include all those bits and pieces in order to compare like to like. Ah, but here is where I think your logic is truly faulty. As I said, accounting is a decision-making tool. It helps businesses make decisions about their finances, governments make decisions about how much tax to charge you, and people make decisions about what to do with their money, time, etc. (though of course it's not the only or even the most important factor in those decisions, as we have all agreed in the case of canning and gardening). So accounting helps you ask various questions and get answers that compare things. Now, you seem to be asking the question "How much does it cost a company, starting from building the factory, to make and sell a can of tomatoes, vs. how much it costs a person, starting with absolutely nothing, to make a can of tomatoes?" As an academic exercise, it may be interesting, but it's irrelevant to most real situations. The question I was talking about is the useful one: what is the overall extra cost (or savings) to my life is I can veggies instead of buying them? If I already own a shovel to grow my flowers with, that shovel has been already "paid for" out of my "growing flowers as a hobby" cost centre in my life. If I "charge" some of it to my canning cost centre, then I'm double expensing it --- a no-no according to GAAP in any country. > There's also another aspect we haven't begun to look at: Cost of possession. When you are buying things you generally buy for immediate needs, or maintain a very small inventory. Not necessarily. I know plenty of people who buy canned goods by the caseload from Costco or Price Club. But the general point is true that there is a cost of maintaining inventory --- though it can't be generalized to a particular percentage for most situations. It depends a great deal on how the inventory is managed and where it's kept. (That cost is much higher, for e.g., in places where space is expensive, or for goods that require special circumstances --- so the cost of possession was way higher for things I stored frozen in the city than for a canned good in my larger small-town home.) A much bigger often-uncounted cost by many people is the land --- I would have bought a home with a smaller yard if I hadn't known I wanted a veggie garden. So part of my mortgage every month should reasonably be costed to my veggies. On the other hand, the veggies I grew in Toronto were in my BF's backyard which he wasn't using anyway, so it would have been UNreasonable to apply the space cost there. It's comparable to, say, vacant land that a municipality donates to a company to help entice them to move to that municipality. SImilarly, one's labour time should be charged only if, realistically, one would have been making money if one wasn't canning. (In my case this is sometimes true.) If one does it for sheer joy, then it's comparable to volunteer labour. > The fact is, most opportunity costs are unrealistic. Sure, if you weren't canning you could spend that time on a ski trip. But would your _really_ make that trip? Probably not. Opportunity costs are hard to measure, because who can say for sure what one WOULD have done? But they are absolutely real, and companies that ignore them in their accounting make worse decisions. In the case of many people who regard canning as a hobby, if they weren't canning, tney'd be doing something else recreational, very possibly something that costs money. > Number one: You cannot can food less expensively than you can buy it. Well, the main difference between us probably really is that I think you're using a definition of "less expensively" that is irrelevant to the question most people trying to make this calculation are actually asking --- and I mean quite apart from including the whole "priceless experience" factor. One that I suspect would, in fact, be rejected by an auditor. Even under my definitions, mind you, I think many people, probably including me, don't save money by canning. But I think some people do. Sigh. I am tired of arguing this one, too, GL, and I don't actually have any expectation you will change your mind; the only reason I am bothering, is that actual cost, in a realistic, practical sense, DOES enter into it for some folks. (I have one friend, for example, who canned fruit during grad school to save money.) And for those people who might want or really need to economize in this way, it's not helpful to say categorically it can't be done, nor to claim that some supposed "rule" of accounting means they "have" to count certain things as costs that don't make sense in the real situation. It shows a misunderstanding (all too common) of what accounting actually means. > Number two: Who cares? We can for all sorts of great reasons, and actual cost hardly enters into it. For me it sure doesn't, I am 100% with you on that! And we do agree on the main thing that the experience and great product are the most important, for us. Z...See MoreAnybody else have to juggle bills with trying to save
Comments (12)In managing most businesses, if the manager doesn't pay the employees, they don't continue coming to work very long. Each of us above being a toddler has a business that we run on the side. Nice part is, our employees don't charge for their work. As a matter of fact, they pay us! Each of those employees is called a Dollar (if you're in the U.S., it's a Bill; in Canada, a Coin, which we call a "Loonie"). If a kid sends that dollar out to buy ice cream it works for him/her once - and s/he can enjoy the "fruits" of the employee's work. Same for Mom and Dad regarding food, rent, clothing (unless they live in a much warmer climate than in this area - Buffalo had over a foot of snow, yesterday!). For many people in this part of the world, a car is pretty well in the category of "necessity", as well, as we have pretty well organized society around the car: many built-up areas no longer have sidewalks. If one finds ways to hang on to some of those dollars, they'll work for that person as long as s/he hangs on to them, with one exception - if they stick them into the mattress. Banks like to tout their guarantee that when we leave money with them, they'll pay rent on it, and guarantee to pay back every dollar that we lent them. They never mention the other guarantee - that, apart from the rent on the loan, they won't pay us one dollar more, either. But, there's a problem: I say that, when we invest our dollars where we are guaranteed to get each back, that their number can't grow, either. And the value of each declines each year that we own it. I say that there's two rats that eat your cheese: the income tax people want to talk to you each year about all of your earnings in that year. And they want some of it, of course. In Canada, they quite different rates of tax on varying kinds of income. If, apart from the rent, the number of your invested dollars can't grow, you need to add some of those invested dollars to the asset each year so that your purchasing poweer doesn't shrink as the value of each of those dollars of your asset shrinks. That rat's called "inflation" and it has eroded the value of each of your saved dollars every year - since the 1930s. With the rates of interest that borrowers are willing to pay these days, when we take out some for tax, and more to add to the saved dollars, each of which will buy less each year, often times there isn't any left. Know what? The rats eat first! If there's any left, you get that. Recently, there's none left. Imagine - the bank (as borrower) makes more on your money than you do, quite a bit of the time! As a matter of fact, every borrower, whether bank, corporation or individual figures that s/he can make more on the borrowed money than it costs him/her ... or they wouldn't borrow, would they? Suppose you'd put $10,000. into the bank 15 years ago, on a 5-year certificate, and renewed it twice since. Now, when you receive that money (apart from the rent) they'll pay you precisely what they borrowed - $10,000. That $10,000. would have bought a decent car, 15 years ago. Not now: inflation cut its value substantially through those years. Did inflation hurt the bank? No, they rented that money out to someone else (actually, usually about 8 "someone"s), at a higher fee than they paid you. Suppose I borrowed that $10,000., 15 years ago, agreeing to pay the bank the interest only monthly, and did that. How much would I owe the bank now? Right - exactly $10,000.00. Which will buy a great deal less now than it would then. So I gained from inflation: the guy who put his money into the bank lost ... unless the interest covered it. Farmers like to stick one seed into the ground and have it grow into an ear of corn (maybe even a couple of ears). Similarly, I like to invest a substantial portion of my assets into situations where I expect them to grow, given a number of years - and mine go back varying lenths of time to about 40 years. Some grew nicely ... and several paid increasing amounts on the investment over the years. However, I haven't had to answer to the income tax people about that increase in value ... and won't, until I sell them (or die). Which gives me much of the benefit of the tax-deferral in the tax-deferred retirement accounts (but with far fewer restrictions). And when I cash them, I pay tax on the increase at half regular rate. Some didn't pay anything, or sporadically. Some of those assets grew in value, more than enough to cover the ongoing returns that they hadn't paid (and on which I'd have had to pay tax at the time). Some didn't pay ... and went down in value, into the bargain. As a wise person said, "You can't win 'em all!". An investment group of about 25 that has met monthly for around ten years, that I've attended for six or seven, calls those latter experiences "tuition". In the school of learning how to manage money more effectively. When did you last merit a free luch? Good wishes for learning how to make your income and assets work better for you than for the other guys. ole joyful P.S. Actually, many of us get a "free lunch" here at Gardenweb, and various other places - for we've learned a lot, and it hasn't cost us anything but time, and internet fees, that we pay anyway. Actually, a while ago, it cost the guys giving the advice - for one could read for free ... but the owners charged a fee for one to open his (her?) big fat yap. Quite an imposition for us former clergy! Wouldn't you agree? o j...See MoreHas anybody else ever had this to happen?
Comments (59)This happened to me years ago and although it’s an old thread, I wanted to comment in case it help anyone. I experienced the same symptoms as most on this thread- I went to see all kinds of specialists but when I finally went to my general doctor, he fixed me. Literally made a difference in 15 min. He is a general practitioner but also certified to do manipulations which is different than a chiropractor. He did tests to see if I may have MS or carpel tunnel. But those target specific fingers. He then made me stand up and checked my back. BOOM! I had three ribs out of place. Finally after 6+ months of my right hand tingling and bruising, I had an answer. Dislocated ribs sometimes don’t cause pain BUT if they pinch the right nerve, it can cause all the symptoms to your arm and fingers. Popped blood vessels etc. he adjusted me (again, different from a chiropractor) and within 15 min I felt relief in my arm hand and fingers. Now, anytime I feel tingling, I go see him and sure enough, my rib is out. People can displace ribs with a sneeze. Sometimes it causes pain and other times you can’t even tell. A miracle for me....See More- 2 years agolast modified: 2 years agoAnnegriet thanked socalgal_gw Zone USDA 10b Sunset 24
- 2 years ago
- 2 years agolast modified: 2 years agoAnnegriet thanked carolb_w_fl_coastal_9/10
- 2 years ago
- 2 years ago
- 2 years agolast modified: 2 years ago
- 2 years agolast modified: 2 years ago
- 2 years ago
- 2 years agolast modified: 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years ago
- 2 years agolast modified: 2 years ago
- 2 years agolast modified: 2 years ago
Related Stories

GREEN BUILDINGThe Passive House: What It Is and Why You Should Care
If you don’t understand passive design, you could be throwing money out the window
Full Story
HOME TECHMeet the New Super Toilets
With features you never knew you needed, these toilets may make it hard to go back to standard commodes
Full Story
KITCHEN COUNTERTOPSKitchen Counters: Granite, Still a Go-to Surface Choice
Every slab of this natural stone is one of a kind — but there are things to watch for while you're admiring its unique beauty
Full Story
HOUSEKEEPINGHow to Clean and Care for Your Mattress
Find out what you should do to protect your mattress from dust, moisture and stains
Full Story
LIGHTINGHouse Hunting? Look Carefully at the Light
Consider windows, skylights and the sun in any potential home, lest you end up facing down the dark
Full Story
COMMUNITYWant a Cleaner, Safer Neighborhood? Show You Care
Our behavior strongly influences others, says a new study. Show neighbors you care about your street and watch them follow suit
Full Story
GARDENING GUIDES8 Sustainable, Organic Practices for Greener Lawn Care
Ditch the pesticides and fertilizers and adopt eco-friendly practices that will keep your lawn lush and healthy
Full Story
SMALL HOMESHouzz Tour: Rolling With Simplicity in a Tiny House on Wheels
Just 240 square feet, this California home encourages efficient living — but there’s still room for yoga
Full Story
DECORATING GUIDESHouzz Tour: Room for Everything in Just 596 Square Feet
Multipurpose furniture, careful color choices and tucked-away storage let a once-cluttered house breathe
Full Story
SHELTERING AT HOMEHow to Keep Your Home Project on Track
Take care of the prep work now so you can move quickly on your remodel when restrictions ease
Full Story

chisue