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Showing posts with the label money

Are Coupons and Deals Worth It?

Coupon savings: pennies or Benjamins? Photo from Unsplash .   When you think of coupons, do you still imagine cutting out 25-cent coupons for canned goods or junk food from a newspaper? These days, you can get coupons online or in the mail and save a lot more than spare change. I'm not an affiliate for any of the stores mentioned here.  CVS With an Extra Care card (it's free of charge), you can go to cvs.com  and virtually clip coupons or get them printed out on your receipt. They also mailed me a coupon for 30% off my entire regular-price order--and I made a CVS haul with it. I stocked up cleaning supplies, toilet paper, toothpaste, drinks, coffee, and even avocado oil. The coupon was worth $55. Totally worth the three seconds it took to cut out. Credit Card Rewards The trick to using credit card rewards is to buy only what you'd buy anyway and then pay the balance . Banking online, autopay and reminders on your calendar make this easy. My credit card gives me 2% cash back

Onions: A Pain in the Neck?

Sometimes it takes a lousy day to make you figure out what's wrong. And today was a lousy day. First, it took an half an hour to get through the line at the understaffed Kroger. When I came home, the house still smelled like onions from canning chili the day before, and my headache and sore neck started getting worse. I ate some leftover chili and roused myself to go shop for a new washer, since mine is leaking from the bottom, as the plumber I called for a clogged drain discovered. An appliance repairman on YouTube said washers are badly built nowadays; I bought a brand unlikely to break down for a good seven years or so. It set me back three times what I paid in the 90s for a Kenmore that lasted at least 20 years. There was no use shopping for a used one here in Indianapolis: people here use appliances until they're worn out. By mid-afternoon, I was back home and took some Mucinex for my sinus pain...and realized I'd felt OK while I was out shopping. It was like Christmas

Medical Articles, Bank Accounts Getting Canceled

Preprint Servers Reject CDC Criticism If you're doing your own research on MedRxiv or SSRN, they're rejecting articles critical of CDC policies.  We have had multiple articles removed from SSRN and MedRxiv solely because they are critical of CDC-- which is a broken and failed agency This is concerning censorship https://t.co/iH6GzFzkZO pic.twitter.com/2NRhomAjrp — Vinay Prasad MD MPH (@VPrasadMDMPH) July 27, 2023 In another tweet , Dr. Prasad added, "We analyzed every preprint to come out of my lab at UCSF  @vkprasadlab What it reveals is that the servers routinely reject papers that are critical of CDC and Biden Policy They also rejected our analysis of the servers.  "Odd behavior." The analysis, along with a paper on the re-analysis of the Boston school mask study , is now on a physics server. You can still find at least one of the articles through Google and Google Scholar. And please tell me you're not doing your own  COVID research on Facebook .  Lit

Food $cience Touts Brand-Name Breakfast Cereals

Nina Teicholz, author of The Big Fat Surprise, recently wrote about a food scoring system called "The Food Compass" published in Nature Food . The authors, from Tufts University, "have led the development of the White House Conference [on Hunger, Nutrition and Health] slated for sometime in September."  The Food Compass, which gives top ratings to Cheerios, Lucky Charms and Cocoa Puffs, is absurd on the face of it. In all, nearly 70 brand-named cereals from General Mills, Kellogg’s, and Post are ranked twice as high as eggs cooked in butter or a piece of plain, whole-wheat toast. Egg whites cooked in vegetable oils are also apparently more healthy than a whole, boiled egg, and nearly all foods are healthier than ground beef. How do sugary breakfast cereals rank higher than eggs, butter, or even plain toast? Follow the money--as always. This isn't news for long-time readers; the US government has recommended crap diets for decades. For newer readers--it's

Clawbacks have Started

Victories are happening in some unlikely places. The City of New York played stupid games denying natural immunity, pretending that COVID vaccines stopped spread, and coercing people to get an experimental vaccination--unless they were an athlete or performing artist. Today, the City won its stupid prize : Staten Island Supreme Court Justice Ralph Porzio called the rule "arbitrary and capricious" and a violation of the state's separation of powers doctrine. He ordered 16 fired City employees to be immediately reinstated with back pay. All 16 of the employees had documented natural immunity to COVID. New York City, having fired over 1,750 employees for not being vaccinated, looks like it's in a lot of trouble.  [T]he ex-employees’ lawyer, Chad LaVeglia, said that “every city employee who has been terminated because of the mandate could bring civil actions against the city.” “Litigation involving the other city employees would cost the city at least hundreds of million

Massive Weight Loss with Nauseating New Drug

USA Today reports that study subjects lost dramatic amounts of weight with diabetes drug tirzepatide. Participants in the randomized, controlled trial lost an average of 15% of their weight at week 72 according to an article in the New England Journal of Medicine .  Photo by  Sara Bakhshi  on  Unsplash How does it work? USA Today's interview with a participant offers a clue: The drug prevented her from overeating, [participant Mary] Bruehl said.  If she overindulged, the food would come back up. "I've learned to stop before I get that feeling," she said...The one negative side effect was nausea, which Bruehl felt the day after each of her weekly shots of tirzepatide. She's not alone. From the study , The most common adverse events with tirzepatide were gastrointestinal, and most were mild to moderate in severity, occurring primarily during dose escalation. Adverse events caused treatment discontinuation in 4.3%, 7.1%, 6.2%, and 2.6% of participants receiving 5-

They Haven't Learned (And Neither Have I!)

Crowds have gathered across the street at the annual festival put on the by church and school. Every year, I go over and enjoy my annual plate of nachos. Not this, year, though! I'd like to say it's because I'm won't eat junk food, but the truth is, I'm sick of spending money.  Earlier this week, I went to the dentist for a night guard. Grinding my teeth a little at night is normal for me, but my car trouble ($1,800 worth) stressed me to the point that eating fermented foods became painful. While I was at the dentist's office, three healthy-looking young patients were in the waiting room wearing masks. These patients were about to walk 10 feet and take their masks off at a place where people come and go all day and sit with their mouths wide open. Even if you think masks do any good, what's the point if you're going to take them off in a minute? When does this end? COVID isn't going away any more than H1N1, hantavirus or the bubonic plague. Yes--tho

Credit Card Data Breach!

Two dozen members of Dr. Davis's Inner Circle site have reported unauthorized credit card charges or settings in the past few days. Many of the charges were to WalMart, churches or youth sports groups for a few cents--a telltale sign of a credit card scam.  Photo from Pixabay The site administrator is looking into it but cannot confirm whether the site was hacked or the data breach occurred elsewhere, adding that they use numerous security measures to protect credit card information. He says their processor (PayPal) sent him this message about "an industry-wide 'carding attack' which began on or about the first week of May":  The payment industry is being attacked by carding BOTs and this is causing an unfortunate disruption in service as we work to mitigate the issue. The BOTs are using compromised credit cards and performing $0 authorizations on many merchant websites causing a financial burden to everyone involved. We apologize in advance as we know our cardin

Dollars for Doctors; Getting a T3 Prescription

Propublica says, "Doctors who received payments from the pharmaceutical industry prescribed drugs differently than their colleagues who didn’t. And the more money those doctors received, on average, the more brand-name medications they prescribed."That's the result of their investigation using a large database of doctors and the prescriptions they write. Good news, though: you can use ProPublica's database to find a doctor in your area (in the US) who prescribes T3. Many patients have a hard time finding a doctor who'll write a prescription for T3. T3's official name is Liothyronine. Go to the site , click on your state, sort by drug (click on "drug"), and scroll down to liothyronine, and click on it. You'll see some of the doctors in your state who prescribe T3.  Sad to say that the the most common prescriptions in the database are atorvastatin (a statin drug) and levothyroxine (syncrap).  In happier news, I'm fighting a cold-

Improvements and Saving Money

Things are continuing to improve. I've stopped taking my adrenal cortex medicine and digestive enzymes because I don't feel I need them. I'm now down to hydrocortisone cream and natural desiccated thyroid (NDT). I got some lab tests done the other day--I'm sure they'll show improvement. I couldn't take any hydrocortisone that day (and I forgot to take my NDT until that afternoon). I didn't take my vitamins or electrolytes, either. I ended up eating a whole can of chocolate covered nuts. And a small order of fries with my lettuce-wrapped burger. Cortisol helps control blood sugar; maybe it has something to do with controlling cravings, too. I went back to my supplement regimen the next day and felt no desire to eat fries or chocolate--just tacos. I had chicken, salsa, cheddar cheese, guacamole and pork rinds. Now that I'm feeling better, thinking more clearly and no longer desperate to get well, I took advantage of a slow day at work to look over cos

Need Surgery on a Budget? The Free Market is Here to Help

Keith Smith, the founder of and an anesthesiologist at the Oklahoma Surgery Center, was recently on EconTalk, a podcast from the Library of Economics and Liberty at Stanford University. The Oklahoma Surgery Center is unusual in that they don't deal with insurance companies, they do post all-inclusive prices on their web site, and they typically charge far less for the same procedures compared to regular hospitals. Time magazine interviewed a patient who had total knee replacement done there for $19,000. The average price in the US is $57,000. The actual cost to the hospital? At one, it turned out to be $10,550. Dr. Smith and host Russ Roberts discuss the surgery center and the US health care system in this mind-blowing episode . Sources: "Keith Smith on Free Market Health Care." Keith Smith and Russ Roberts, EconTalk, November 18, 2019.  https://www.econtalk.org/keith-smith-on-free-market-health-care/ "What Happens when Doctors Only Take Cash." Haley S

Good News, Bad News

First, the good news: I'm well enough to exercise. I made it though a 15-minute workout I couldn't get through the last time I tried. The heart palpitations are going away and I don't feel out of breath and exhausted with every little bit of exertion. It's been almost a year since I started another go at getting my health back, and I've come a long way. I've put on about ten pounds (unintentionally) and I'm hoping that adding muscle will increase my metabolism. Now, the bad news. This has not been cheap. It hasn't been ruinous, but my health insurance hasn't covered anything. I can't even use my HSA (health savings account) to pay for my lab tests or thyroid or adrenal medicine. (But I could use it to pay for prescription sunglasses!) So I have over $900 in my HSA that I can realistically only use for sunglasses or an emergency. I'm stuck making more contributions to it for almost another year, since we just made our benefit elections at w

Adrenal Fatigue and Thyroid: Still Fiddling with my Medications

DIYing my adrenal fatigue and low thyroid has been a challenge. At least I'm over the brain fog and can read and think more clearly. After my ears got dry and itchy again--which seems to be a symptom of low thyroid for me--I upped my thyroid dose again. I also lowered my adrenal cortex dose since I was gaining weight, even with the increased NDT (natural desiccated thyroid medicine) and decreased carb intake. The cortisol (an adrenal hormone) will make you gain weight if you take too much. I hope this is the last time I need to up my NDT, since my current dose costs $80 per month. I can't even pay for it with my HSA (health savings account, a pre-tax deal in the US). At least the adrenal cortex is cheap, and hydrocortisone is $5 a tube. The adrenal cortex, which I take in the morning at at noon, started turning me into a morning person. I was up at six doing dishes, vacuuming the house, and packing a lunch. I was tired around 10 PM. Since backing off a little, I'm ba

Regaining Health after Antibiotics and a Lot of Stress

Readers know I've had a stressful 18 months: family problems, a root canal that took three rounds of antibiotics to clear up, a move across the country, and a job change. My job back in Denver saw me going at ramming speed, spending two hours a day commuting, and dealing with a couple of vile coworkers. House cleaning and repairs took up my weekends and evenings for a few months, my realtor wildly overpriced my house, and I stepped on a nail a few days before I moved. I ate a lot of take-out while my house was for sale and figured I'd get back on track when I got to Indiana. It's taken five months to get back to normal. My stomach and skin were a mess from the antibiotics--I had cystic acne and just thinking about eating a lot of fat turned my stomach. I couldn't stand for long without a backache. I was so exhausted when I got here that it was a few months before I felt like working full-time again. Probiotics really helped my skin and stomach. I started taking two

Why Grain-Based Diet Recommendations are Finished

Is that a pork chop? This looks a lot like a low-carb diet. Bye-bye, Ancel Keys. You were on the cover of Time once, sternly warning readers about cholesterol. Now the agencies you once guided are about to throw you under the bus for three reasons: Well-done intervention studies have shown the superiority of low-carb diets v. high-carb diets in terms of weight loss and lipids. This is the reason that sounds good. The rest of the story is that the the effects of insulin and carbohydrates on hunger and weight gain have been well-known for a long time--so long that they're described in endocrinology textbooks. Before that, weight gain from starchy diet was described in literature from the nineteenth century. The well-done intervention studies and the Internet have made it impossible for health "charities" to continue advising high-carb diets for diabetes and weight gain without fear of lawsuits. The Academy of Nutrition and Dietetics did enough applauding of the

Food for $29 a Week? Yes, if you're Doing Low-Carb and Shopping the Sales

With some help from my frugal Internet friend Galina, I've figured out how to live within a $29-per-week grocery budget, which is what some people get as part of SNAP:   calories price $/100 calories 12 eggs            852   $     3.00   $              0.35 2 chickens, whole         4,280   $     8.40   $              0.20 head romaine lettuce            106   $     0.99   $              0.93 pound butter         3,240   $     5.00   $              0.15 head cabbage            218   $     1.62   $              0.74 avocado            227   $     0.88   $              0.39 can salmon            536   $     2.48   $              0.46 3 pounds pork         4,272   $     4.50   $              0.11 salad dressing          2,176   $     1.49   $              0.07         15,907

Nutritious Food on $29 a Week? Probably not Possible

Here's what $33.58 will buy--that's pretty close to the $29 a week challenge some people have taken lately in sympathy with people on the SNAP program. (The maximum amount you can get on SNAP is $194 per month according to the USDA, which comes out to $44.77 per week.) The grass-fed angus was inexpensive ($3.90 per pound) because I buy it in bulk--and it's an odd cut (cheek meat). There are a lot more calories here than in the rice, beans, tortillas and vegetation others have bought on the challenge. Nevertheless, what you see here amounts to only 5,397 calories, or 771 calories a day. calories price $/100 calorie 12 eggs 852 $3.00 $0.35 4.75# beef 3,629 $18.53 $0.51 2 cans sardines 400 $6.98 $1.75 head cabbage 218 $1.62 $0.74 avocado 227 $0.88 $0.39 red bell pepper 37 $0.88 $2.38 English cucumber 34 $1.69 $4.97 Total 5,397 $33.58 $0.62 To eat such a diet for a week on 1,500 calories per day would cost $65. You might get more calories for less mone

Stress + Lack of Nutrients Led to Tooth Decay

It's been a stressful year: my father rapidly declined and died, and my mother ended up in the hospital and then in a nursing home for a while. While she was staying with me for a few weeks, a relative told the county I was starving and stealing from her. (Of course, the county determined this was a load of horse shit.) Lately, the same relative has been meddling in my mother's financial affairs, making messes as fast as I can clean them up. From the time early this year when I was doing a lot of work on my parents' house (e.g., insulating their attic), I wasn't taking my vitamins regularly or eating liver and oily fish weekly. A few years before, I started what I called the cavity-healing diet to heal my teeth; surprisingly, it made my TMJ better. Given my gum graft surgery last summer, I should have really been diligent about the diet, but I wasn't. I ended up with redness in the area of the graft, roaming TMJ, and the beginning of a cavity between two molar

Inexpensive Grass-Fed Beef? Yes!

People tend to complain about the cost of grass-fed beef and other high quality food, but I recently bought aged, grass-fed Angus from Sun Prairie Beef in Yuma, Colorado for $3.60 a pound. The catch: it was the bits box. The bits box--my order was for back ribs, cheek, tongue, shank and soup bones--has actually been a great deal. I've cooked everything but the soup bones, and it's all been better than supermarket beef. In fact, my new favorite cut is tongue--a favored part for hunter-gatherers and a delicacy in some cultures. I threw it in the pressure cooker for an hour with water, tamari and pepper and had a wonderful dinner an hour later. Just peel off the skin when it's done; it has the texture of meatloaf and tastes like a roast, but moister. I had leftovers, too: the tongue weighed 3.11 pounds. And it made the best beef broth I've ever had. The cheek had a unique texture--the fat turned soft and creamy in the pressure cooker. It tasted a little gamey, but so

Girls: Eat a Steak!

One study after another over the past few years has shown low-carb, high fat diets to be good for correcting weight and lipids. Other studies have found iron deficiency is very common in women. So why do so many young women in the paleo community advise limiting red meat (high in iron) and animal fat and eating lots of vegetables instead? They remind me of the Intelligent Design crowd: people who recognize intellectually that the creation story in Genesis is a myth, but emotionally aren't ready to abandon it or make waves with friends and family who still believe. Some of the authors say (credibly) that they have or had an eating disorder; others seem to want to keep on being nice girls who don't eat too much or too richly and don't want to lead others astray. At least, that's how it comes off to me, someone from a blue collar family who grew up in the 80s when priss was an insult and a lot of girls went to McDonald's for lunch. What no nice paleo girl woul