Saturday, June 11, 2011

The Story of Money



The history of money is a huge topic, and this book provides a great overview of the transition from hunting and gathering, to bartering and trade, to different types of currency, to the electronic transactions of today. My kids found the illustrations of ancient coins and paper money really interesting. There are three pages of additional information in the back of the book, including some facts about very unusual money. (I'm not sure why that info wasn't just included in the book; maybe the author felt it would distract from the general story?) I would give this book 5 stars but the text is just a bit dry and repetitive in places. It's independent reading for 2nd grade or above, but younger kids would enjoy hearing it too.



Thursday, May 26, 2011

How to Brew: Everything You Need To Know To Brew Beer Right The First Time

Like most homebrewers, I started out with Charlie Papazian's book "The New Joy of Homebrewing". I had the second edition. It was a good book, but comparing it to this text, it seems hopelessly dated.

With the explosion of microbreweries across the country, lots of people got turned on to GOOD beer - and many of those looked into homebrewing. With so many people trying different methods and equipment, over time, brewing became simpler and much of what was deemed necessary in the earlier days was discarded. Many of the techniques and equipment listed here are the results of years of trial-and-error streamlining by other homebrewers. In addition, there's never been so many resources available via mail order and on the net. Homebrewing really is easy at this point.

This is the best basic brewing text I've found. You can start with it by making extract only beers, graduating to specialty grains in addition to extract, then to all grain brewing and making your own recipes and beer styles. The book is linear, presents the information as you need it and the information ranges from the most basic (like sanitation) to as technical as you could possibly want (water chemistry).

For years I've been an extract and specialty grain brewer. I never completely understood the process of all-grain brewing until I bought this text. It gave me the courage to build my own lautering tun and brew my first batch of beer made completely from scratch. It was a pale ale, nothing exotic, but man was it good beer. Check out the author's website and read the first edition online. The second edition is improved, so if you like the online text buy the hard copy book.

There are other good texts out there (the author lists many of them in the back of the book) but if you only want one homebrewing text, buy this one. It's a shame that Amazon doesn't carry it anymore. Track it down.

Sony Bloggie Touch (MHS-TS20/B) - 8 GB, 4 Hours NEWEST MODEL



I've had this camera for about a week now and have been loving it ever since. I've used another "flip" camcorder and the Bloggie Touch puts it to shame.

Pros:
1. Love the quick on and record. Great for spontaneous videos of the little one.
2. The touch screen interface makes it both useful and fun to use the big screen.
3. The still pictures come out brilliant, when the lighting and focus is good.
4. The battery charges up super fast and stays with you for a whole day of shooting.
5. The image stabilization is good. You can take decent video while walking around and panning too. Note that it is not optical, but electronic SteadyShot stabilization.
6. The lens is very good quality and the pictures are crisp.
7. Really like the "snap picture while recording" feature. I find myself using that feature the most. The video doesn't stall while the picture (full 12M resolution) is being taken and since the focus and exposure are usually locked well while you're in the middle of the video, the pictures come out great.

Cons:
1. In low lighting, there is quite a bit of graininess and using the digital zoom makes it much worse.
2. While the lens is good quality, the auto-focus mechanism is really very slow. If you move around the camera too much before focus has locked on, the auto-focus will almost never lock.
3. What I really miss with this camera is a flash. Even a tiny one would help with low light pictures.
4. Minor annoyance: to preview a picture right after you take it, you have to go through at least two clicks. Sony could have designed it so that it always goes to the last picture taken by default, instead of the thumbnail list of all pictures/video on the device.

I decided to purchase this camera over a still camera that can do video because:
1. This one is dead simple. One button to turn on, one to take video and one to take stills. This makes it both easy and quick to use.
2. This one can do 1080p video and 720p at 60fps.
3. Its under $200 and is smaller than your phone.
4. Its got internal flash and USB connector - no more SD cards or cables. 8GB is enough to get you through the day before you can come back to your laptop to dump the pictures.

I decided to purchase this camera over other ones in the same category because:
1. Its got a big display and the touch screen is fun to use.
2. Its got a better lens system than the others.
3. Its got (some) image stabilization.



Monday, May 23, 2011

The Total Money Makeover: A Proven Plan for Financial Fitness

I enjoy discussions about my finances about as much as I enjoy talking about my weight. I certainly need to work on both, but I'd prefer to avoid the topics if at all possible, thank you very much. Can I get an "amen"?

Dave Ramsey, radio talk show host, author and all-around financial guru, is no stranger to this ostrich routine. After his own bankruptcy he came to the conclusion that the key to financial (and physical) fitness isn't knowing all the tricks of the money trade; it's being honest with yourself. "If I can control the guy in the mirror, I can be skinny and rich," he says in his new book THE TOTAL MONEY MAKEOVER.

In other words, you have to get your head out of the sand. Okay, I have to get my head out of the sand.

Leaving the skinny to other books, Ramsey is a prophet to those who want to be rich but would settle for being financially stable. It's clear that this is a large group, given the popularity of Ramsey's radio show and books. After reading THE TOTAL MONEY MAKEOVER, I can see why they flock to him for advice.

Ramsey's principles are simple and straightforward. Pay cash. Pay off debts from smallest to largest. Create an emergency fund. He provides easy-to-understand answers to many seemingly complex questions about budgeting, retirement funds, saving for college education, and more.

Large pullout quotes scattered throughout the book offer bite-sized financial advice and factoids in Ramsey's typically direct manner:

"A new $28,000 car will lose about $17,000 of value in the first four years you own it. To get the same result, you could toss a $100 bill out the window once a week during your commute."

"Looking to spend $100 per month on life insurance? You could pay $7 a month toward term insurance and invest the remaining $93. But go with a cash-value policy if you'd rather have someone else earn interest on your investments."

"49% of Americans could cover less than one months' expenses if they lost their income."

"If your mortgage payment is $900 and the interest portion is $830, you will pay that year around $10,000 in interest. What a great tax deduction! Right? Otherwise, you'd pay $3,000 in taxes on that $10,000. But who in their right mind would chose to trade $10,000 for $3,000?"

All of this advice is helpful and eye opening, but what Ramsey really excels at is presenting inspirational tales of those who were once, but are no longer, in financial disarray. Their stories make up at least a third of the book, and the cumulative effect is that of a published pep rally designed to get people pumped up about saving money. And it works.

This is a must-read book for anyone whose looking for a little basic financial information and a whole lot of courage to finally put away the ostrich suit.