Home Educate in the Sunshine State

Posts Tagged savings

5 Reasons Homeschoolers Should Switch to The Apple Macintosh

Aug 23

Posted by admin in apple, homeschool, identity theft, mac, savings | 10 Comments

If you watch any amount of television or browse sites on the internet, you’ve no doubt seen the Apple advertisements featuring Justin Long as “Mac” and John Hodgman as “PC”.  In these playful ads, the (overly?) confident “Mac” takes humorous potshots at PC’s weaknesses as an operating system.  These commercials usually elicit cheers from the Mac fans and plant small seeds of doubt in the minds of Windows users.  As funny as these commcericals may be, are they accurate?  Are Macs better and more reliable than PCs running Windows?  And, if so, should I buy one?

I believe the answer to both questions is Yes.  As a homeschooling parent, I truly believe that purchasing a Mac for your home is an exercise in good stewardship and families in the homeschooling community should seriously consider making the switch.  I submit for your consideration the following reasons:

Reason #1 – An Apple Macintosh will save you time & frustration

Time is one our most precious resources and as homeschooling parents we need our time freed to optimize our children’s education.  Plus, we need no undue stress in ours lives (who does, really?). If you’re a Windows user, think about how much time and effort you’ve expended while fighting with your Windows PC over crashed applications, lost or corrupted files, OS freezes and the constant (and disruptive) need for system and antivirus updates.   And let’s not forget the time spent on long support calls.  Is it all worth it?

The fact of the matter is that Macs are more stable, freeze less and are generally trouble free.  In addition, the Apple system software update cycle is relatively infrequent.  In our home, our iMac is on all of the time and it is consistently (ab)used by the kids (ages 2 to 9) as well as the adults (ages withheld).  In spite of this constant activity, there have been times when that iMac has not been restarted for a long as a month.  Can you say that of your Windows PC?

Reason #2 - Macs are more secure than PCs

As I’ve mentioned in a previous post, identity theft is a very real threat in today’s world.  What could be more important than keeping your personal and financial electronic data safe and private?  Having a secure computer is one great way to start.  The operating system on Apple computers, Mac OS X, is built upon a solid, proven and secure UNIX core. It comes with a built-in firewall designed to protect your machine from outside intruders.  And, as an additional layer of protection, Mac OS X has another optional feature called FileVault, which will encrypt your entire user folder.  So, even if someone could get on to your machine, they’d not be able to read your data anyway.  Is this sounding good?  There’s more…

Viruses on a Mac are virtually non-existent. That is not to say that there won’t ever be any, but it does not seem to be a worry at this time.  I personally don’t use any anti-virus protection on my Mac, which is one less set of hassles and expenses to worry about.

Reason #3 - Macs can run Windows

Yes, if you need to do so, you can also run Windows on your Intel Mac.  This means that if you decided to switch to a Mac, all of the Windows software packages you’ve purchased over time will not have to be re-purchased (assuming you still need them – see below).  You can install Windows onto your Mac’s hard drive and start your Mac into the operating system of your choice – Mac OS X or Windows (XP, Vista and, coming soon, Windows 7).  All of this can be accomplished using a free Apple application called Boot Camp.  Also, if you’ve rather not restart your computer just to use Windows, you always run Windows side by side with the Mac OS in a “virtual” environment using software programs like Parallels Desktop or VMware Fusion (not free).  The is also a free solution called VirtualBox from Sun Microsystems.  Virtualization is very cool stuff.

Reason #4 - Macs will make you more productive

Imagine how efficient you’d be if you were unencumbered by all of the distractions and headaches that accompany a Windows PC experience.  Now envision what it would be like to to actually use your computer for its designed purpose rather than struggling to get it to work.  Yes, dear reader, this can actually happen.   Based upon my years of experience, I am convinced that an Apple Macintosh is more reliable computing tool than a Windows PC and using one will make you a more productive person.

Reason #5 – Macs are economical

While the price point of a Mac may be higher than a comparably equipped Windows PC, you should know that included in the price of each Mac are a number of free Apple applications that cover 95% (if not all) of your general computing needs.  And these applications are no slouches either.  The features found in these programs could go toe to toe with many applications you might otherwise pay for.

Here’s a list of just a few of the free Apple software applications that homeschooling users might need:

  • Address Book – A great program for storing all of your personal and business contacts.  This application integrates into Apple’s Mail application (see below) is even more helpful when coupled with Apple’s MobileMe service (not free).
  • iCal – Apple’s own calendaring application.  Great for keeping track of your homeschool and household schedules.  Also integrates into the MobileMe service.
  • DVD Player – A very nice application to have on your computer if you’re using DVD coursework as part of your homeschool efforts.  One nice feature of this application its ability to “remember” where you left off when viewing a DVD and it gives you the option to resume at that point, even if you ejected the DVD days ago.
  • Mail – A solid, easy to use email client that doesn’t cost you a dime.  Macworld recently gave this one “4 out of 5 mice“.  In Apple’s new “Snow Leopard” release, this program (as well as iCal and Address Bok) integrate seamlessly with a Microsoft Exchange server.
  • Font Book – An incredibly convenient font management program.
  • Safari – Where would a blog denizen be without a great browser?  Apple calls Safari the world’s fastest browser and I have to agree.  This application launches quickly,  renders pages fast and has a great history search feature.
  • iChat – Apple’s own chat client that supports the AIM, GoogleTalk, MobileMe and Jabber protocols.   Also features the ability to conduct multiparty audio and high-quality video chat, as well as screen sharing.  My wife and I use this feature all the time.
  • Time Machine – One of Apple newest additions to the operating system, this application will automatically back up your system to an external drive.  Very easy to use and it takes the hassle out of backing up your data.  Just set it and forget it, as they say.
  • Preview – Apple’s answer to the Adobe Reader program.  This program displays PDFs very quickly and can also open other graphic files.  The most recent version includes the ability to manipulate those images to a limited degree.
  • iLife – Apple’s own “digital life” software suite that consists of 5 very powerful applications:
    • iPhoto – Great photo management and sharing.
    • iMovie – Make your own movies easily from your digital footage.
    • iDVD – Create professional quality DVDs, complete with menu screen and chapter divisions.
    • GarageBand – Make great music quickly and easily.
    • iWeb – Create your own high quality web sites to host on your own domain or on Apple’s servers using Mobile Me.

I’ve only just scratched the surface with this list.  Perhaps in a future post I will go into greater detail with some of these applications and others that I haven’t mentioned (iWork being one of them).  In the meantime, I highly recommend that you take the time to learn more about Mac OS X and the applications listed above, as well as the many others I didn’t mention.

But What About the Price?

Yes, it is true that you can always find a PC for less money than a Mac.  I won’t argue with you there.  But I  believe you get what you pay for.  Low cost generally means low quality.  So, even if you obtain a dirt-cheap PC, you still have to contend with the issues mentioned above:  a problematic operating system, the chance of getting very poor support, viruses and the risk of a machine that may die far sooner than you’d like.

This whole discussion boils down to this:  would you rather spend a little more money and get a stable computer with a superior operating operating, or would you rather get a cheaper computer that may be fraught with issues that may continue to frustrate you and interrupt your life?

For our family, the choice was easy.  Many of our friends agree.  We’d would rather spend a little more money for the assurance that we will be able to confidently use our computer rather than fight with it.  I think each of you want the same for yourselves.  I encourage my readers to give the Apple Macintosh serious consideration.  I think you’ll ultimately be very pleased and impressed.

UPDATE: The results of a survey conducted by RBC Capital Markets and ChangeWave Research revealed, among other things, that “81% of those who recently bought an Apple product in the past 90 days were “very satisfied,” while only 58% Dell Inc. buyers and 55% Hewlett-Packard Co. buyers said the same.” So now we have a 6th reason to buy an Apple Macintosh:  greater user satisfaction.

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Homeschool Resources on eBay

Aug 15

Posted by admin in curriculum, ebay, homeschool, savings | No Comments

In a previous blog entry, I recommended buying used books from Alibris and Biblio to keep your expenses down.  Another great way to save money is to also buy used homeschool resources and curriculum. eBay has a very good assortment on auction at any given time.

Check out this cool eBay widget containing some of the “homeschool” items on sale right now.  That’s all for now.  Have a great weekend!

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Hackers, Identity Theft and your Homeschool Family

Aug 6

Posted by admin in ID theft, apple, free, homeschool, identity protection, identity theft, lifelock, mac | 5 Comments

I grant that this is not necessarily a “homeschool” topic, but I was astounded to read this recent CNN article and felt compelled to spread the word and, where possible, share some helpful tips with those who may need them. 

For those of you that have not read the article yet, eleven people were indicted recently in what is being called the largest hacking case on record.  The perpetrators allegedly stole 40 million credit card numbers from nine major U.S. retailers, including some well-known names like Marshall’s and T.J. Maxx, BJ’s Wholesale Club, OfficeMax, Barnes & Noble and Sports Authority (I’d hate to be working in their public relations departments).  They accomplished this by using “sniffers” which allowed them to grab credit and debit card account numbers and PIN codes, which they used to encode the magnetic stripes on their own blank cards.  Of course, these sinister folks then used those “new” cards to withdraw funds at various ATMS.  According to the CNN report, they were able to withdraw “tens of thousands of dollars at a time”.  

Incredible! And a bit scary.  

Barnes & Noble Gift Cards 468x60

Incidents like these should make you wonder just how protected you are from this kind of electronic crime.  The Federal Trade Commission estimates that as many as 9 million Americans have their identities stolen each year.   What steps have you taken to protect your family from identity theft?

While we cannot prove it, my wife and I strongly suspect that we were victims of these thieves.  A few months ago, I was checking my bank account online and noticed that $500 had mysteriously been withdrawn from an ATM located miles from where we live and in an area of town I rarely visit.   According to my online transaction history, my wife’s debit card was used to make this withdrawal.  So, after making sure that neither of us had actually made that withdrawal, I called the bank to voice our concern.  Our bank was very quick about returning the funds (less than a week) and they replaced the compromised debit card nearly as fast (go Wamu!).  As you can imagine, we’ve been very vigilant since.  

We now make regular use of Washington Mutual’s account alert feature to notify us via email of all but the smallest withdrawals from our banking accounts.   Yes, it can be annoying to receive frequent emails like this, but the trade off is that we can keep close tabs on our account activity and act quickly if there is an issue requiring our attention.  Thankfully, there has not been a repeat incident.  

We’ve also recently given LifeLock Identity Theft Services a try.  In a nutshell, LifeLock is a service that promises to request “fraud alerts” on your behalf with each of the 3 credit bureaus (Experian, TransUnion, Equifax).  Once a fraud alert is in place, you must to be contacted and authorize the opening of a line of credit. The thought is that this prevents anyone from stealing your credit identity to open a line of credit in your name.    They do this (and more) for about $10 per month per person (children can also be covered for a lesser rate).  Rather than detailing all the features and benefits of their services, I recommend that your investiate LifeLock’s features & benefits for yourself.  I think it is worth the time to do so.


LifeLock Identity Theft Prevention - Save 10%

 

Now, you may ask yourself, “Can I do all of the things that LifeLock does myself?”  Good question! Yes, I think you can.  

LifeLock compares their services to an oil change:  you can perform the necessary steps yourself, but do you really want to go through the hassle when there are companies that provide services that will do it for you quickly and (relatively) inexpensively?   

The homeschool community is a self-reliant and frugal bunch, so my guess is that many families with limited budgets may want to take the time to protect their family on their own and save a few dollars, but they just may not know where to start.

So, below is my quick list of a few things you can do and some sites you can visit to begin protecting yourself from identity theft:

  • Monitor all your financial accounts regularly.  If routinely logging into each of your financial institution’s sites sounds like a bit of a pain, a free site like Mint.com may help you to keep track of all of your accounts in on place.
  • Keep all your financial records organized and keep copies of your credit cards in a safe and secure place.
  • Shred, burn or eat any financial records or receipts you don’t need to keep anymore.
  • Never give out your SSN or other personal info unnecessarily online or on the phone.
  • Don’t fall for email and online phishing attempts.  And if you don’t know what phishing is…
  • Get informed.  Check out the  Federal Trade Commission Identity Theft Site and the Identity Theft Resource Center and bring yourself up to speed.
  • Guard your PC with all necessary software protection.  Or, buy an Apple Macintosh.  (For more info, check out my other post “5 Reasons Homeschoolers Should Switch to Macs“.)
  • Until thieves develop telepathic abilities, the safest place to keep your passwords and PINs is in your head.  If your memory isn’t what it used to be, keep them in hidden in locked safes or in encrypted computer files.  Whatever you do, don’t leave them out for all to see.
  • Be smart about where you keep and leave your credit and debit cards.
  • Use a service like Reputation Defender to ensure that your personal information is kept off the internet.
  • Be mindful of where you use your cards. If a payment terminal looks like it has been tampered with, DO NOT USE IT.
  • Use cash more often.
  • Request a “fraud alert”* with each of the credit bureaus (get a copy of your credit report while you’re at it).  Here’s how to contact the credit bureaus:

Equifax  or call Equifax  at 1-800-525-6285

Experian or call Experian at 1-800-422-4879

TransUnion or call TransUnion at 1-800-916-8800


Get Equifax Credit Watch Now.

The sad reality of our lives today is that identity theft can and may happen to you some day.  I pray that it does not.  However, with a little knowledge and a few preventative steps, you’ll be far better off than the many who fall victim to this form of crime each year.

I hope this post was helpful.  I recognize that it is far from comprehensive. You should always do more homework on your own, especially when it coms to something as important as this.  

As always, please comment with any suggestions, tipsor stories that you may have.  I wish you and your families well.

*Note:  You must “renew” your fraud alert with each bureau every 90 days.  LifeLock commits this for you for the duration of your service agreement with them.


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A Penny Earned… Back to (Home)School Edition

Aug 4

Posted by admin in coupons, free stuff, homeschool, savings | 1 Comment

The summer is coming quickly to a close and your household expenses may be spiking as you gather your materials for another year of homeschooling.  As promised in my post from late July, A Penny Saved…, I am continuing this “series” (do two posts a series make?) by providing you with a few more sites that will help you save some dough on homeschooling supplies and more.

 

Alibris.com – A site my wife has been visiting frequently is Alibris.com, where you can “search more than 75 million new, second-hand, out-of-print, and rare books, as well as dvds, videos, cds, & vinyl.”  We’ve been using this site lately to buy a bunch of used books for our girls to read/study in the coming school year. We saved a ton of money over the cost of new books (in our last order, she purchased 15 books and spent $30!) and we are impressed with their selection.  

If you are inclined to check them out and buy a few things, be sure to take advantage of some of their recent coupon codes to help save even more:

 

Code Offer Expiration
BEACHREADS $5 off $50 08/20/08
JAVA $2 off $20 09/15/08
STUDY $4 off $40 09/15/08
SCHOOL $6 off $60 09/15/08
HONORS $8 off $80 09/15/08
BIOLOGY $10 off $100 09/15/08
ALLNIGHTER $15 off $150 09/15/08

 
 

 

 

 

 

 

Biblio.com - If Alibris didn’t have what you needed, there’s also their competitor, Biblio.com, which also claims to be a “leading source online for quality used, rare, and out-of-print books”.  I encourage you to check them out too.  They claim a selection of over 50 million titles.  With that sort of selection, you’re bound to find a bargain book to help teach your kids (or yourself!).  Go ahead and give Biblio a look today!

 

Currclick.com – Want to save money on shipping and be environmentally friendly by using downloadable curriculum resources?  If so, Currclick.com may just the place for you.  According to their mission statement, their goal is to:

“make homeschooling more convenient and more affordable to homeschoolers all over the world. We are committed to promoting homeschooling as a viable alternative to traditional schools in both America and abroad. We strive to offer excellent customer service, a stress-free shopping experience, and to providing a marketplace that rewards authors and publishers who create good quality education materials.”

 

Coupons.com – If your family is like ours, you no longer subscribe to a printed newspaper because of the amount of news that has been made available online.  The downside of this is that you can no longer get your hands on all those money-saving grocery coupons from the weekend paper.  This next site seeks to remedy that.  Coupons.com offers you the opportunity to browse, choose and print over 100 national and regional coupons each week from a selection of well-known packaged goods brands.  

NOTE:  In order to prevent coupon fraud, they require that you download some software first (available for both PCs and Macs) in order to print these offers.  Once you print them, they are redeemable at any grocery or drug store.  

Check out the banner below for some sample offers.  Click to see even more!

I hope these suggestions help. Please let us know!  We’d love to hear from you in our comments section. Lance
 

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A Penny Saved…

Jul 24

Posted by admin in College Savings, coupons, free stuff, homeschool, savings | 1 Comment

You have made the commitment to homeschooling your children and for that reason your family has chosen to live on a single income.  God has blessed you with everything you need, but the rising costs of gas, food and health care are giving you occasional moments of budgetary heartburn.  We know what it is like!

Below are a handful of the sites and programs we’ve found online that can help you save a buck or two.  

On to the good stuff...

The freeflys.com web site
The freeflys.com web site

Freeflys  - Everyone likes to get free things and this site is devoted to just that:  sending you free samples of all kinds of things.  In their own words:  

“FreeFlys.com collects hundreds of freebies throughout cyberspace and offers them straight to you. Shampoo,coffee, make-up, candy bars even over the counter medicine. Whatever you’re looking for, you can find a freesample of it. Name brand products line the virtual shelves of FreeFlys waiting for you to give them a try.” 

Comment:  I just learned about this one and haven’t tried it yet.  Sounds very interesting, but I think their “forums” section is a bit useless.  Seriously – who needs to see a discussion board devoted to “Relationships” on a site devoted to freebies?!   Not me.  It makes little sense in light of what they do.  Plus, the comments seemed juvenile.  

Next site…

The greenpoints.com rewards web site
The greenpoints.com rewards web site

greenpoints.com -  This site is the electronic version of S&H Green Stamps (remember those?!). You earn “greenpoints” for making purchases with a number of well-known online stores and services (like LifeLock, Shoes.com, 1-800-CONTACTS, iTunes and more) and then you can redeem those points for FREE stuff.  There is no cost to join.  

According to the info we found on their site, they also have participating grocery stores in New York, New Jersey and North Carolina - but none yet in Florida.  Bummer.

Comment:  This site is good for those of you who make a regular habit of making purchases online. You earn these “greenpoints” at a rate of 20 per dollar (usually), so over the course of time you can earn something from their rewards selection.

Speaking of points...

mypoints.com
mypoints.com

MyPoints.com – I guess you could consider this one the competitor to greenpoints.com.  Like greenpoints, these points are earned by shopping online, as well as participating in surveys.  Your points can be redeemed for similar merchandise and gift cards.  Unlike greenpoints, mypoints doesn’t appear to have any grocery store participation and they seem to make much greater use of email marketing.  I seem to receive a couple a day, which I honestly don’t always appreciate or read.  You earn fewer MyPoints per dollar than you do with greenpoints, but a single MyPoint seems be worth more than a single greenpoint, so it seems to work out in the end.

Next site…

homeschoolfreebie

Homeschool Freebie of the Day - This site promises to make available a new “freebie” every day (Monday thru Friday).  Each of the items that are made available for free would be of appeal to homeschoolers.  Examples given on their site include:  Unit Studies, Ebooks, Audio Programs, Games, Samples, Lesson Plans, classic books, and other quality resources.

Comment:  For a homeschool family on a budget, this seems like a nice, easy way to acquire some useful materials from time to time.

Last one for today…

 

paymentcard.com
paymentcard.com

National Payment Card - Prices at the pump making you sick to your stomach?  This Florida-based company may be able to ease the pain a little.  They offer a unique service that allows you to pay for fuel (at a discounted rate – usually 3¢ to 5¢ per gallon) at participating fuel sites using your driver license or a valid loyalty card.  Using this form of payment, they claim that the fuel station owner can pass savings on you to because they do not have to pay credit card fees on that transaction.

Comment:  I’ve tried this one and it works.  Fortunately for me, there’s a participating station near my home.  Your mileage may vary (pun intended).  I recommend that you check our their site for yourself and make your choice.

 

Thanks for stopping by.  We’ll be writing about more sites in a future post.

If you have a favorite cost-saving site that you’d like to share, drop us a note or write a comment.  Don’t be shy!  We’d love to hear from you so that we can share with others.  This site all about homeschoolers helping each other.


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