E.J. Divitt's Blog, page 8

January 18, 2015

Why I Can't Afford To Win The HGTV Dream Home

HGTV is giving away another dream home. This year it is in Martha's Vineyard, Cape Cod, Massachusetts.  According to the website:

"The grand prize includes:A 3-bedroom, 3 ½-bathroom, approximately 3,200 square-foot Cape Cod-style getaway located on Martha's Vineyard Luxurious furnishings from Ethan Allen A 2015 GMC® Acadia Denali $250,000 cash prize provided by national mortgage lender Quicken Loan" You can enter to win here:

 http://www.hgtv.com/design/hgtv-dream...

It sounds beautiful. It looks beautiful. Here is the official picture from their website.

As soon as I saw it, my brain turned to thoughts of how nice it would be to have a vacation home like that. We could rent it out on off weeks and have the family down and  . . . and . . .

But I am nothing if not a practical woman. I can't afford to win this house.

First, the price has a value of approximately $2,265,000. Here in the US, the federal government is going to consider that income which means you get to pay income tax on almost $2.3 million. The $250,000 in cash is just a down payment on the taxes you will need to pay. Then 45 out of 50 states also charge income tax. Between the IRS and your local state, you can expect to have to pay 40 to 50% of the value in taxes. That is anywhere from $700,000 to $1.1 million dollars you have to pay out.

You also have to worry about property taxes. Edgartown is currently $3.80 per thousand. On a $2 million property that is about $76,000 every year. You will need home insurance. That will probably cost you $5000 to $7000 a year as well. Do you need to get a burglar alarm or hire a service to take care of the house while you are gone?

Between the upfront taxes and the upkeep, there is absolutely no way I could afford to win this house. It hardly seems fair that it should cost so much to win something but that is how taxes work here in America.

Fortunately, HGTV has an alternative.The winner can decline the prize and instead take a cash sum of a little over $1 million. Even with giving half of it to the government, you can still have a lot of fun with what is left. So yes, I still entered. And if I win, I will always be a little sad that I could not keep that beautiful house but I will console myself with my hundreds of thousands of dollars.
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Published on January 18, 2015 08:45

December 20, 2014

Santa Is Not The Only One Who Can Give Presents

I remember hearing a story about a young family. It was Christmas morning and Mom and Dad had spent hundreds of dollars on presents for the child. The child eagerly jumped in to open and exclaim over all of the presents from Santa. After opening a bunch of packages the child looked around and said, "Mommy and Daddy, did you not get me a present?"

I can not even imagine the chagrin those young parents must have felt. They had worked so hard and spent so much money and in the end, all of the credit went to Santa. A fact that would probably have been fine except the child thought Mommy and Daddy had not bothered.

Ever since I heard this story, I have thought that every parent should save the very best present--the one that the child has been salivating over--and don't have that one be from Santa. Take the number one gift and write out the tag to say it is from Mommy or Daddy or whatever your child calls you. I know the point of Christmas presents is to make your child happy but why does that mean you can't get some of the credit and the joy yourself? You worked hard. Go ahead and put your name on it.

Why should Santa get all of the credit? Why shouldn't your child get a gift that they know came from you?
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Published on December 20, 2014 21:00

December 16, 2014

Things Every Goddess Should Know. . . On Sale US and UK

Things Every Goddess Should Know and We Are All Goddesses is on sale in the US and UK for a limited time.
 For the next 2 days, 99 cents will get you the e-book in the US (67% off) and then it will be available for $1.99 for 4 days. It is also on sale in the UK for the next 5 days, it is 99 at Amazon UK then it goes back to full price.

You can also order the paperback as a gift and get a free copy of the e-book for yourself.

http://smile.amazon.com/dp/B00HJEAWLM in the US

http://www.amazon.co.uk/dp/B00HJEAWLM in the UK
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Published on December 16, 2014 11:18

November 1, 2014

National Novel Writing Month-November

Today is November 1st. Today marks the official start of the annual National Novel Writing Month; affectionately known as nanowrimo.  Every November thousands of people set out to write a novel in one month.  

You have from November 1st through November 30th to write a novel of at least 50,000 words. The novel must be an entire story with a beginning, middle and an ending.  If you reach 50,000 words and your hero is till half way through the big battle, you are not done.

I have done the challenge 5 times. I have completed 3 of them.

The point is not to write the best thing you have ever written. The point is to write. Period.  Sit down and start writing and see where the story and the characters take you. Tell that little voice in your head to shut up; you know your grammar was off there and you know that is not the best name for that character. You can fix those things on the second draft. This is all about getting the first draft down.

Ever wanted to write a novel or just like challenges?  Give it a try. Visit www.nanowrimo.org for more information and to sign up.  It is free. It is mind boggling and when it is done, you get bragging rights.

50,000 words comes down to about 1,667 words per day. If you fall behind one day, you can make it up the next. If you are ahead, keep going anyways as you may find mid month you need the word count help.

Don't worry about having a plot laid out or characters. Take some small spark of an idea and just sit down and write. Half the fun is seeing where your brain takes you.

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Published on November 01, 2014 07:39

October 1, 2014

Ridiculously Easy Slow Cooker Recipes

Using a slow cooker is a good way to spend a few minutes throwing together a meal that you can then ignore until dinner time. Sometimes, though, the recipes for slow cooker meals get so complicated that you spend as much time prepping as if you just cooked a meal yourself!

In that spirit, here are some ridiculously easy things I make in my slow cooker.

 Spare Ribs

Take a package of thawed spare ribs and throw them in your slow cooker. Dump a bottle of bbq sauce on top and leave it on low for 8 hours. (My husband loves this one.)

Pulled Pork

Put a thawed pork shoulder in your slow cooker. Dump a bottle of bbq sauce on it. Put it on low for 8 hours.  When it is done, use two forks to shred the pork into ragged pieces. Put them on a roll or hamburger bun and you have pulled pork sandwiches.  You can also substitute a bottle of root beer for the bbq sauce to give it a sweeter flavor.

Shredded Chicken

Do the same as above but substitute thawed boneless chicken breasts for the pork shoulder.

Salsa Chicken

Put thawed skinless chicken breasts in the slow cooker. Dump a bottle of salsa on it. Let cook on high for 4 hours or low for 6-8 hours. Shred with 2 forks and serve on a tortilla shell.


Slightly More Complicated

Pot Roast

I wash and chop a few potatoes and large carrots. (Some people include onions as well.) I put them on the bottom of the slow cooker and put a thawed pot roast on top. (As you are slow cooking it, you can use a cheap cut of meat and still have it come out well.) I sprinkle it with a package of onion soup mix and pour one cup of water or beef broth on top. I like to let this one cook for hours and hours. It will be done after 8 but it just gets more tender as you leave it.

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Published on October 01, 2014 11:24

September 23, 2014

I Refuse To Be Ashamed Of Good Financial Sense

A recently had a situation where I needed to say to multiple people that before I could commit to spending $150 on an outing, I needed to talk to my husband. I casually mentioned that it was over the $100 limit that I could spend without talking to him about it first.

I received an assortment of reactions. One looked at me with what could only be called pity and said, "You need your husband's permission?"   One got very indignant on my behalf and told me that I should not have to ask permission to spend my own money. He would never put up with that. The third looked confused and asked, "Why would you need to do that?"

Overwhelmingly, their responses suggested that I should feel ashamed by the idea that I could not just write a check for $150.


Except this is not a rule that my husband instituted or that only applies to me. I was an active participant in making of the family rule that neither of us can spend over $100 on something without discussing it with the other.

We each have our own jobs; each make our own money.  We have a joint account that we have regular amounts transferred in to pay bills and the remains belong to each of us individually. This money is ours to do with as we please. The regular transfers account for monthly bills plus extra for savings and the maintenance fund.  If something extreme happens, we may need to transfer some additional funds but otherwise this is our own money.

That does not mean that we should spend it wildly. It does not mean that we should be absolved of all reason or spend it like it is just extra money. The $100 rule means that if either of us starts spending large sums of money, the other is aware of it. It keeps us from having any hidden vices that may surprise the other.   We do not want to treat our money like it is Monopoly money.

Every one needs their own money that they can spend on silly things or things that are only important to them. It is important as an adult to feel like you can make your own financial choices. But we are still part of a couple and money is still an important part of our future and we make the major decisions together. Even if it occasionally means that I have to explain the rule.
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Published on September 23, 2014 21:00

September 9, 2014

Follow Your Curiosity

I like to follow the chain of my curiosity.

I was listening to Blink by Malcolm Gladwell on audio book last week and he mentioned a study done by Dr. Gottman. Dr. Gottman had couples come in and asked them to discuss a tense issue in their marriage. He had them talk for 15 minutes and filmed it. He later went back and went over the footage frame by frame. He was able to predict with 94% accuracy which couples would end up divorced.  This was after only 15 minutes of observing them.

Well that sounded fascinating so off I went to the library and requested, Why Marriages Fail and How Yours Can Succeed by Dr. John Gottman.

This got me thinking about how often I find myself reading books or reading articles online or listening to audio books because I ended up there from somewhere else.

I think it is a common enough practice online. You are on Facebook and someone has posted an Upworthy article. You click on the link and read that article. Off to the side, there are several more articles.  Next thing you know you are looking at slam poetry videos on Youtube and wondering how you got there.

While I sometimes end up in places I do not want to be or viewing or reading things that annoy me, I have to say overall, I think this is a good thing.

It is important to exercise your brain; to follow your curiosity.   Go ahead and check out that next topic; that next video.

Curiosity may have killed the cat but satisfaction brought him back.
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Published on September 09, 2014 21:00

September 3, 2014

Why Did They Feel The Need To Cheat On Their Own Test?

A few years back, I took the Pepsi Challenge at a music festival. Pepsi was not handling it themselves but rather had hired a marketing firm to do it for them. The challenge, if you have not heard of it, is to blind taste test Pepsi vs Coke.  

It was a hot summer day; probably in the 90s. I got in line for the challenge simply because I wanted a cold drink and the drink lines were long. 

When I got to the front, the man went to a little fridge plugged into a long extension cord and pulled out a frosty can. The label was covered but the can was obviously cold. He then turned around and pulled another can out of a cardboard box sitting in the heat. This label, too, was covered.

He poured me a little sip size cup of each. I knew right away the first one was Pepsi for two reasons.

1) Pepsi has a burst of citrus-like taste to it when you first sip it.

and

2) It was frosty cold while the second one was beyond warm. This was, after all, the Pepsi Challenge.

The second cup contained the overly warm and therefore, not at all appetizing, Coke.

In those circumstances, I had to say, "Yes, I preferred the first one." and low and behold, he took the sleeve off the can and it was revealed as Pepsi.

I did not walk away from that thinking, "Wow, I should switch to Pepsi." I walked away thinking, "They had to cheat to beat Coke." Now as I said, this was not Pepsi themselves, but rather an outside firm. I'm sure they simply wanted to give their customer data that made them look good but to me it was a cheat.

I am reminded of this now because I am reading Blink by Malcolm Gladwell and in it, he talks about how Coke did their own blind taste test and found it was true. Based on just one sip, people preferred Pepsi. It is when drinking a full can or bottle that people tend to prefer Coke. Pepsi, Gladwell says, is sweeter and therefore, people prefer it when drinking small amounts but tend to prefer Coke when drinking large amounts.

So Pepsi tended to win the sip challenge and yet this company still felt the need to cheat. I guess they did not have a lot of faith in their own test. It's too bad. If nothing else, we should be able to have faith in our own plans. Plus the thought that they had cheated just left a bad taste in my mouth.
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Published on September 03, 2014 06:45

August 21, 2014

Top 10 Things To Know About Getting Solar (My Head Is Swimming With Sunshine)

Last night we attended a Solar Challenge Kick-Off meeting for our town to encourage people to try out solar power PV systems.  (PV being photovoltaic.) Dozens of facts about solar power for homes and businesses are dancing around my head so I am going to share some of them.

This information comes from the Mass Clean Energy Center. They graciously had a spokesperson there to give us what they called the Solar 101 speech. Here is their website if you would like to look further into it. http://www.masscec.com/


1) The best site for solar power collection is a south facing roof with little in the way of obstructions such as large trees. They said you should never cut down a tree as the trade off is not worth it in terms of increased costs of cooling without the shade but you may want to trim some back.  East or west facing roofs have potential as well so don't rule solar completely out.

2) If your roof will not work, you may be able to put a stand alone system in your yard.

3) Solar power can be shared amongst multiple buildings on the same lot. In some cases, you may be able to share it between multiple properties you own in the same area such as home and business.

4) Solar power will give you a credit towards your electricity bill. It will not provide you with a check in your pocket from the electric company; just a credit towards future bills.

5) If you lose power, your solar system will go down as well as it uses a small amount of electricity from the power grid to power the safety feature in the inverter that keeps people from getting shocked. Battery back ups are available but they stated they were prohibitively expensive. If you are truly worried, a generator may serve you better.

6) They said that the average home would get a 5kw system which translates into 5 kilowatts or 5000 watts. If you have an electric car, you may need the 8k system instead.

7) The federal government is giving 30% of the cost of the system as a tax credit through 2016.  You can spread the credit out over multiple years or take it all at once.

8) The Commonwealth of Massachusetts is offering a 15% credit; up to $1000. Mass Clean Energy Center is currently offering incentives as well but they are phasing them out.

9) Your system will generate Solar Renewable Energy Credits of somewhere between 3 and 8 per year. You can sell these back to the electric companies. The current going rate is between $183 and $250 per SREC. Your solar installer should be able to set you up with a broker to handle this. They take a fee of between 3% and 7%.

10) The average system right now pays for itself in 5 to 8 years depending on your site and how much sun you get. The panels are warrantied for 20 to 25 years. The inverter is covered for 10 years. You will need to replace the fan in the inverter in about 12 to 15 years. The current cost depending on your area is about $1500 to $3000.

Bonus Tip: In many cases, adding the solar panels to your home insurance is as simple as increasing your building coverage. Check with your agent but in my area the increase is less then $75 for the year.

Hopefully that answers a lot of your questions. Feel free to comment with any more and I will answer as best I can.
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Published on August 21, 2014 08:12

August 16, 2014

Solar Roadways

You have probably heard by now about a group that is working on solar roadways. If you have not, let me be the first to tell you that these panels seem amazing. These solar panels would replace regular parking lots or roads with panels that use the sun to power them. They have built in lights.

This allows the roads to have signs such as Stop Ahead or Left Turn Only or even simple painted lines right on them. Signs that can be easily changed.   I am so in awe of this concept that I participated in a recent crowd funding event to get them the money to built full size parking lots for testing and development.  They sent me a lovely thank you video--see below.


The panels would be self heating so snow and ice would melt off them. They would be heavy duty so that large trucks could run over them.  They will be able to warn a driver if something is crossing the road ahead because all of the panels would be interconnected and be able to communicate with each other.

I sincerely hope this idea grows and develops into a viable option to repair our failing roads here in the US.  I know right now it seems like a long shot but if we could even just use it for new development, it would make a difference. I am not the only one who thinks so.  Here is a link to a video with a lot more information and a pretty excited narrator. Check out "Solar Freakin Roadways".



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Published on August 16, 2014 17:11