By now, every parent knows the importance of properly restraining adults and children in a motor vehicle. However I see many parents losing sight of what's really important as they rush to move their kids to the next level of motor vehicle restraint, i.e. infant seat, car/convertible seat, booster seat, or nothing at all. Parents should move their child up to the next level of restraint as late as possible--not as soon as they reach the next legal minimum!
Infants, for example, should be in a rear-facing car seat until they are at least one year of age and 20 pounds. The key words are "at least". This is a minimum standard and does not mean it is a good idea to turn them forward-facing as soon as they turn one! Your child is still much safer staying rear-facing to allow their bodies to further develop and strengthen.
Likewise, a child can legally (in most states) ride in a car without a booster seat once they are 4 ft. 9 in. (57") tall and 8 years of age but that doesn't make it smart to do it when they reach that height, weight or age. Remember that seat belts in modern motor vehicles are designed and optimized for a typical American adult weighing between something like 102-215 lbs. So ask yourself this question: Is your child closer to a small adult of say 5 ft. 4 " (64") and 102 lbs, or are they closer to 4 ft. 9 in. (57") tall and 60 lbs? If the latter, then they should stay in that booster seat!
In determining what is best for your child, don't let state or federal laws drive your decision-making--they represent the bare minimums for dumb-dumb parents who don't otherwise want to think about child safety. And don't let peer pressure or the kids themselves make these decisions for you--your child's life may depend on it!
And finally, remember, regardless of age, height, weight or the restraint method, a few general safety principles always apply:
1. The back seat is always safer than the front.
2. The middle of the rear is safer than the rear sides.
3. Facing rearward is safer than facing forward.
4. Seat belts should fit properly (over the shoulder and not the neck, and around the hip bones).
For more information, see the AAP's car safety page.
Monday, September 15, 2008
Wednesday, September 10, 2008
Cancel that service for better pricing!
Whenever competition exists for a particular service, a really good way to keep your costs down is to threaten to cancel your service. Drive a hard bargain and say you're leaving for their competitor due to better pricing or superior offerings. To keep your business, they will almost certainly lower your rate and/or offer free or reduce-priced bonuses. Here are some examples:
XM Satellite Radio: We've had a $7.99/mo. promotional rate for years. Every time my year is up, XM tries to force me to a regular plan where monthly rates are usually $12.99/mo and up. I simply threaten to cancel, and whine and belly-ache about not listening to the service much, etc. etc.
Verizon vs. Comcast: With each provider, I call right after my initial one-year contract is up and my low promotional rates are scheduled to go up to the significantly higher regular prices. Before I call, I research the best current deal being offered by their competitor. Then, I call my current provider and tell them I am switching to the competitor due to their special promotion. Without exception, the offer is matched or bettered.
Credit cards: Many of the best credit cards are benefit cards that offer cash rebates, airline miles and/or other perks. Many of them also have high annual fees and/or interest rates. I will usually partake in some of the better cards because they will typically waive the first year's annual fees. In many cases, if you call after the first year and tell them you'd like to cancel the card because of the annual fee, they will waive it again. Also, if your credit is good and you don't fully pay your balance monthly, the interest rate is also negotiable if you bargain with them.
XM Satellite Radio: We've had a $7.99/mo. promotional rate for years. Every time my year is up, XM tries to force me to a regular plan where monthly rates are usually $12.99/mo and up. I simply threaten to cancel, and whine and belly-ache about not listening to the service much, etc. etc.
Verizon vs. Comcast: With each provider, I call right after my initial one-year contract is up and my low promotional rates are scheduled to go up to the significantly higher regular prices. Before I call, I research the best current deal being offered by their competitor. Then, I call my current provider and tell them I am switching to the competitor due to their special promotion. Without exception, the offer is matched or bettered.
Credit cards: Many of the best credit cards are benefit cards that offer cash rebates, airline miles and/or other perks. Many of them also have high annual fees and/or interest rates. I will usually partake in some of the better cards because they will typically waive the first year's annual fees. In many cases, if you call after the first year and tell them you'd like to cancel the card because of the annual fee, they will waive it again. Also, if your credit is good and you don't fully pay your balance monthly, the interest rate is also negotiable if you bargain with them.
Labels:
personal finance
Thursday, September 4, 2008
Bricks and Mortar Banks
I've noticed many new bank branches springing up recently near where I work and live. As someone who banks and pays bills almost completely online, writes about 4 checks a year, and uses less than $400 cash annually, it befuddles me as to why banks still have bricks and mortar branches to expand their business and to service customers. Over ten years ago, around the time of the first true Internet banks, I boldly predicted that, within 10-15 years, traditional banks would go the way of the dinosaurs. Judging by the steady expansion of bank branches, I was wrong.
I don't have or need a local bank because I don't need or want to pay for their bricks and mortar presence. I get better rates, better service, and more accurate record-keeping by doing everything electronically. Thus I don't pay for something I don't use. However the vast majority of Americans still value their local bank presence to make deposits, visit their tellers, use the drive-thru, talk with bank staff for credit lines, loans, mortgages or investments, use the safety deposit box, and partake of various other services. Go figure...
I don't have or need a local bank because I don't need or want to pay for their bricks and mortar presence. I get better rates, better service, and more accurate record-keeping by doing everything electronically. Thus I don't pay for something I don't use. However the vast majority of Americans still value their local bank presence to make deposits, visit their tellers, use the drive-thru, talk with bank staff for credit lines, loans, mortgages or investments, use the safety deposit box, and partake of various other services. Go figure...
Labels:
banking,
personal finance
Wednesday, August 27, 2008
The Right Way to Treat Scrapes and Abrasions
A few years back, I got several large abrasions as a result of a motor vehicle accident. With plenty of free time laying around on the sofa, I researched the right way to dress abrasions. Note, this post applies only to abrasions (superficial, surface injuries to the skin) and not to lacerations which are deep cuts that may require stiches or other professional medical intervention. Remember the first priority is always to stop the bleeding.
What most people still don't know is that the "state of the art" in wound treatment has moved beyond what our parents taught us. Research has shown that antiseptic rinses and topical anti-bacterial ointments such as hydrogen peroxide and Neosporin (just two examples) actually damage skin tissues and inhibit healing. And Band-Aids do not do very much to help as they do not create an anti-bacterial barrier nor the desired moist healing environment for the wound.
Here's the "right" way to dress an abrasion:
1. Stop the bleeding by apply gentle pressure to the wound. Do not let the wound dry out or scab. If you can't stop the bleeding within 15 minutes or so, you should seek immediate medical assistance.
2. Clean the wound thoroughly using soap and water by removing as much dirt and dead skin as possible.
3. Dress the wound using a semipermeable dressing such as 3M's Tegaderm, J&J Bioclusive or similar product. As long as the dressing does not leak exudate (the "ooze"), it can remain in place for up to a week.
The advantages are:
1. Because the wound is not allowed to scab, the optimum, moist healing environment is created. Remember that our blood clots and creates scabs, because there was an evolutionary necessity to stop the bleeding, but modern man can stop abrasions from bleeding by simply applying pressure. Abrasions heal much faster and better in a moist environment (without the scab). Scarring is also reduced.
2. Unlike Band-Aids, the dressings create an anti-bacterial barrier and thus the risks of infection are greatly reduced.
3. The dressings are waterproof so you shower or bathe with them in-place. Thus the need for dressing change and the amount of overall maintenance is significantly reduced.
4. The dressings are flexible so they are more comfortable than alternative of having a scab and traditional bandage. This is especially important if the injury is in a area that moves regularly such as a knee or elbow.
5. The semi-permeable dressings are clear so you can see how the wound is healing, how much exudate, if it is infected, etc.
The problem today is that these semi-permeable dressings are not commonly available in most grocery stores or pharmacies. They're still relatively expensive (more than $1 or $2 per dressing), and Johnson and Johnson still dominates the bandage market with their "Band-Aid" brand bandages. People have become brainwashed with Band-Aids for 20-30 for two bucks (depending on size and shape). Hospitals and medical professionals already know better but hopefully the word will get out to consumers soon!
What most people still don't know is that the "state of the art" in wound treatment has moved beyond what our parents taught us. Research has shown that antiseptic rinses and topical anti-bacterial ointments such as hydrogen peroxide and Neosporin (just two examples) actually damage skin tissues and inhibit healing. And Band-Aids do not do very much to help as they do not create an anti-bacterial barrier nor the desired moist healing environment for the wound.
Here's the "right" way to dress an abrasion:
1. Stop the bleeding by apply gentle pressure to the wound. Do not let the wound dry out or scab. If you can't stop the bleeding within 15 minutes or so, you should seek immediate medical assistance.
2. Clean the wound thoroughly using soap and water by removing as much dirt and dead skin as possible.
3. Dress the wound using a semipermeable dressing such as 3M's Tegaderm, J&J Bioclusive or similar product. As long as the dressing does not leak exudate (the "ooze"), it can remain in place for up to a week.
The advantages are:
1. Because the wound is not allowed to scab, the optimum, moist healing environment is created. Remember that our blood clots and creates scabs, because there was an evolutionary necessity to stop the bleeding, but modern man can stop abrasions from bleeding by simply applying pressure. Abrasions heal much faster and better in a moist environment (without the scab). Scarring is also reduced.
2. Unlike Band-Aids, the dressings create an anti-bacterial barrier and thus the risks of infection are greatly reduced.
3. The dressings are waterproof so you shower or bathe with them in-place. Thus the need for dressing change and the amount of overall maintenance is significantly reduced.
4. The dressings are flexible so they are more comfortable than alternative of having a scab and traditional bandage. This is especially important if the injury is in a area that moves regularly such as a knee or elbow.
5. The semi-permeable dressings are clear so you can see how the wound is healing, how much exudate, if it is infected, etc.
The problem today is that these semi-permeable dressings are not commonly available in most grocery stores or pharmacies. They're still relatively expensive (more than $1 or $2 per dressing), and Johnson and Johnson still dominates the bandage market with their "Band-Aid" brand bandages. People have become brainwashed with Band-Aids for 20-30 for two bucks (depending on size and shape). Hospitals and medical professionals already know better but hopefully the word will get out to consumers soon!
Labels:
abrasions,
health,
wound management
Monday, August 25, 2008
Is China spending its trade surplus at the Olympics and other events?
Americans are currently addicted to cheap Chinese goods and the resulting trade imbalance flows hundreds of billions of dollars to China each year. Some people believe that, with intelligent investing in infrastructure, technology and research, that China will use this huge positive cash flow to their long-term strategic advantage.
Well, it's not much, but after watching the Olympics, there were many examples of China spending money on image-building, and not infrastructure. At least some of the $40 billion China is spending on the Olympics is going toward extravagant, one-time expenses such as the elaborate opening and closing ceremonies, good-will expenses, decorations, landscaping, etc. etc.
And, according to the Wall Street Journal, Shanghai will spend $40 billion for the 2010 World Expo and Guangzhou is estimating $27 billion for the 2010 Asian Games.
On top of all that, U.S. companies are finally getting in on the action for all the infrastructure spending. Maybe there's some hope to balance our trade someday after all...
Well, it's not much, but after watching the Olympics, there were many examples of China spending money on image-building, and not infrastructure. At least some of the $40 billion China is spending on the Olympics is going toward extravagant, one-time expenses such as the elaborate opening and closing ceremonies, good-will expenses, decorations, landscaping, etc. etc.
And, according to the Wall Street Journal, Shanghai will spend $40 billion for the 2010 World Expo and Guangzhou is estimating $27 billion for the 2010 Asian Games.
On top of all that, U.S. companies are finally getting in on the action for all the infrastructure spending. Maybe there's some hope to balance our trade someday after all...
Sunday, August 24, 2008
My Olympic Highlights and Lowlights
Here are my personal highs and lows from these 2008 Beijing Olympics:
Highs
- 32-year-old Jason Lezak's unforgettable final leg swim, running down trash-talking Alain Bernard of France, in the men's 4x100M relay.
- Despite the loss of perhaps their two best gymnasts, the U.S. men's gymnastics team's earned a surprising bronze medal in the team competition.
- Michael Phelps: 8 gold medals and a thrilling 0.01 second margin of victory in the 100M fly.
- 41 year-old Dara Torres wins a silver medal in the 50M freestyle.
- Shawn Johnson finally gets a gold medal. Her cheerful attitude, charisma and spirit was a lift on the sideline so if anyone deserved a gold medal for her performance, heart and positive attitude, it was her (even if she reminds me of Robocop).
- The son of illegal immigrants, Henry Cejudo, wins the 55kg wrestling gold.
- The U.S. women's indoor volleyball team making a surprising run for the silver, and the U.S. men winning the gold for grieving coach Hugh McCutcheon.
Lows
- Alicia Sacramone's torture after her failures on the beam and floor.
- Gymnastics Judging. American women were obviously cheated out of medals on the individual vault and uneven bars. Why don't these incompetent judges ever make deductions for the Chinese gymnasts? Gymnastics needs to either simplify their scoring system by returning to the old 10.0 scale or simply rank competitors relative to each other. You'll never remove the human element so at least keep it understandable.
- Boxing Judging. When a boxer's glove hits his opponent's head and snaps it back, then it's supposed to be a point for the guy doing the hitting--not the guy getting hit. Get rid of the stupid 3 of 5 scoring system.
- Pole vaulter Jenn Stuczynski being criticized and put-down by her coach Rick Suhr, after she had just won the silver medal.
- Lolo Jones hitting the ninth hurdle just meters from a certain gold medal.
- After winning 22 games in a row, and outscoring opponents 57-2 in this Olympics, the U.S. women softball team are stunned in the gold medal game. To make matters worse, it looks like this might be the last softball game played in the Olympics as the IOC voted it out for 2012.
- U.S. men and women both dropping the baton (and their gold medal hopes) on their 4x100M relays
Highs
- 32-year-old Jason Lezak's unforgettable final leg swim, running down trash-talking Alain Bernard of France, in the men's 4x100M relay.
- Despite the loss of perhaps their two best gymnasts, the U.S. men's gymnastics team's earned a surprising bronze medal in the team competition.
- Michael Phelps: 8 gold medals and a thrilling 0.01 second margin of victory in the 100M fly.
- 41 year-old Dara Torres wins a silver medal in the 50M freestyle.
- Shawn Johnson finally gets a gold medal. Her cheerful attitude, charisma and spirit was a lift on the sideline so if anyone deserved a gold medal for her performance, heart and positive attitude, it was her (even if she reminds me of Robocop).
- The son of illegal immigrants, Henry Cejudo, wins the 55kg wrestling gold.
- The U.S. women's indoor volleyball team making a surprising run for the silver, and the U.S. men winning the gold for grieving coach Hugh McCutcheon.
Lows
- Alicia Sacramone's torture after her failures on the beam and floor.
- Gymnastics Judging. American women were obviously cheated out of medals on the individual vault and uneven bars. Why don't these incompetent judges ever make deductions for the Chinese gymnasts? Gymnastics needs to either simplify their scoring system by returning to the old 10.0 scale or simply rank competitors relative to each other. You'll never remove the human element so at least keep it understandable.
- Boxing Judging. When a boxer's glove hits his opponent's head and snaps it back, then it's supposed to be a point for the guy doing the hitting--not the guy getting hit. Get rid of the stupid 3 of 5 scoring system.
- Pole vaulter Jenn Stuczynski being criticized and put-down by her coach Rick Suhr, after she had just won the silver medal.
- Lolo Jones hitting the ninth hurdle just meters from a certain gold medal.
- After winning 22 games in a row, and outscoring opponents 57-2 in this Olympics, the U.S. women softball team are stunned in the gold medal game. To make matters worse, it looks like this might be the last softball game played in the Olympics as the IOC voted it out for 2012.
- U.S. men and women both dropping the baton (and their gold medal hopes) on their 4x100M relays
Labels:
Olympics
Tuesday, August 19, 2008
The Un-Olympic Spirit
Jenn Stuczynski should be totally thrilled and extremely proud in the aftermath of her silver medal performance in the women's pole vault. She "lost" the gold medal to world-record holder Yelena Isinbayeva. Considering she's pole vaulted for all of four years, and that she was competing against a dominant, umpteen world record-breaking champion, she did really really great.
However, if you caught NBC's short coverage of the event, then you saw her coach Rick Suhr verbally berate her immediately after winning the silver medal. You could see how visibly dejected Stuczynski was after her coach's negative remarks.
I was stunned that someone would choose that moment to deliver those words to an athlete who had worked so hard and performed so wonderfully. Unconscionable. Jenn Stuczynski should find herself a new coach. And, if my kid were a pole vaulter, I would never consider sending them to his pole vaulting school or academy. His behavior was reprehensible and his "win the gold or you're a worthless piece of sh!t" attitude runs counter to everything the games should be about.
However, if you caught NBC's short coverage of the event, then you saw her coach Rick Suhr verbally berate her immediately after winning the silver medal. You could see how visibly dejected Stuczynski was after her coach's negative remarks.
I was stunned that someone would choose that moment to deliver those words to an athlete who had worked so hard and performed so wonderfully. Unconscionable. Jenn Stuczynski should find herself a new coach. And, if my kid were a pole vaulter, I would never consider sending them to his pole vaulting school or academy. His behavior was reprehensible and his "win the gold or you're a worthless piece of sh!t" attitude runs counter to everything the games should be about.
Labels:
Olympics
Saturday, August 16, 2008
Olympic Swimming Relays
My wife and I got really confused as to how the swimming relay exchanges are handled. As nobody on NBC bothered to explain it, I had to do some research and here it is.
Basically, swimmers can (and should) be in motion during the relay exchanges, but the outgoing swimmer must maintain contact with the starting platform until the incoming swimmer has finished. The incoming swimmer's finish is registered by the electronic touchpad on the finishing wall, as is the outgoing swimmer's contact with the starting platform. The two times are compared by an electronic timing system (with a .03 second "allowance"), and if the outgoing swimmer is off the platform early, that team is disqualified.
The above also explains why only the first leg of any swim relay counts towards official records, as it is the only leg that is comparable to a non-relay race.
Basically, swimmers can (and should) be in motion during the relay exchanges, but the outgoing swimmer must maintain contact with the starting platform until the incoming swimmer has finished. The incoming swimmer's finish is registered by the electronic touchpad on the finishing wall, as is the outgoing swimmer's contact with the starting platform. The two times are compared by an electronic timing system (with a .03 second "allowance"), and if the outgoing swimmer is off the platform early, that team is disqualified.
The above also explains why only the first leg of any swim relay counts towards official records, as it is the only leg that is comparable to a non-relay race.
Labels:
Olympics
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