Monday, May 28, 2012

Is Organic Food Worth the Money?

A friend of mine recently requested that I write something about organic food. I have consulted numerous resources to get my information, but if there are any nutritional experts out there feel free to jump in and comment. Main points will be highlighted in RED.

First of all,

Is organic food really that much healthier for you?
As you are probably aware, this is a highly debated topic among food scientists. 

According to a review study by Dr. Carl Winter from the University of California, Organic fruits and vegetables, while demonstrating quite a bit less pesticide contamination than regular market fruits and vegetables, still contained a fair pesticide residue from irrigation contamination, adjacent pesticide use, soil contamination. In addition, "it should be noted that organic production methods do allow the use of EPA registered pesticides provided that such pesticides are approved by the National Organic Standards Board." 

ORGANIC does not mean pesticide-free, just less pesticide residue. 

In addition, while in great quantities pesticides could pose a risk of cancer, the amount of pesticide residue on market fruits and vegetables are extremely low. If you want to check out how the EPA and FDA calculates risk factors and exposure levels, please see read Dr. Winter's article: Pesticide Residues in Imported, Organic, and “Suspect” Fruits and Vegetables

Dr. Winter states: "typical consumer exposure to pesticide residues is currently at very low levels relative to those required for health concern, and reducing consumer exposure further through consumption of more organic fruits and vegetables may not provide much of an additional incremental health benefit with respect to pesticide residues. Similar conclusions were drawn in a review paper by Magkos et al."

ORGANIC food may not provide any health benefit with respect to pesticide residues. 

In another study done by Carbonaro et. al, "Although food products from organic origin are believed to be healthier than the corresponding conventional foods, clear experimental evidence supporting this assumption is still lacking and assessment of the nutritional potential of these products requires further research."

In a nutshell:

There is no clear experimental evidence supporting the assumption that ORGANIC products are nutritionally superior. 


In a study about organic eggplant cultivation done by María D. Raigón, Adrián Rodríguez-Burruezo, and Jaime Prohens,  results showed that organic management and fertilization have a positive effect on the accumulation of certain beneficial minerals and phenolic compounds in eggplant and that organically and conventionally produced eggplants might be distinguished according to their composition profiles."



In another study looking at organic versus conventional cultivation, the authors state: "As a general rule, in studies that have paired common production variables and methodologies, organic crops tend to have more vitamin C, sugars, and phenolics and fewer nitrates than conventionally grown produce, which corroborates findings of the aforementioned nutritional reviews. Organic crops also tend to have more dry matter and less moisture, less protein, and lower yields. Patterns of differences between organic and conventional foods with respect to heavy metals or specific minerals are not apparent."


In a nutshell:



It is possible that ORGANIC food (depending on how it is cultivated) could have higher levels of Vitamin C, sugars, and phenolics (what makes food smell and taste good)


So really, there is no clear evidence that organic food is better nutritionally, although it may taste better. In terms of saving money, if you shop at a mainstream grocery store I recommend going for the conventionally sold produce, as the health benefits of organic food are still so uncertain. 



But I really want to buy organic food!
So I haven't convinced you that it isn't worth it...ah, well. If you are still determined to buy organic, here are the classic "dirty dozen" conventional items (the foods that typically have the most pesticide residue): 

According to the Environmental Working Group:
  • Apples
  • Celery
  • Strawberries
  • Peaches
  • Spinach
  • Nectarines (imported)
  • Grapes (imported)
  • Sweet bell peppers
  • Potatoes
  • Blueberries (domestic)
  • Lettuce
  • Kale/collard greens

How can I buy it and not annihilate my budget?
Some good ideas for buying organic food at better price:

Farmer's Markets--these are good because there is no middle man! Buy locally and support your local economy, eliminate the middle man, and enjoy some cheaper, organic produce. 

Become part of a Co-Op--This is the smartest idea ever. A Community Co-Op is a member owned and operated grocery store, in which people can volunteer to come in to cultivate natural, locally grown foods and products.  Here are some examples!

Grow your own --I know this is not the answer you want to hear :) But, consider growing easy vegetable plants such as tomatoes, zucchini, squash and peppers. These vegetables are versatile, grow like weeds, and pretty much grow year round if you care for them correctly. 

Wait for sales-- places like Whole Foods, Fresh Market and Publix are great, but they can be extremely expensive. Unless you have fountains of money, I recommend staying away from these places until you have a pretty nice fixed income. If these are the only stores near to you, I suggest picking a few important items you wish to buy organic (for instance, items from the "dirty dozen") and only purchase those particular items. If it is not too much of a temptation, check and see what sales are going on and what coupons are available:





Well, hope this was helpful! Be smart and resourceful when thinking about buying organic foods; remember that they are a nice commodity to have, possibly even fresher, but realistically are not that beneficial to your health. If you choose to incorporate organic foods into your diet, remember to utilize your local resources first before the big consumer stores like Whole Foods. 




References:
Winter, C. (2012). Pesticide Residues in Imported, Organic, and "Suspect" Fruits and Vegetables. Journal Of Agricultural & Food Chemistry60(18), 4425-4429.

Carbonaro, M., Mattera, M., Nicoli, S., Bergamo, P.,&  Cappelloni, M.; (2002)  Modulation of Antioxidant Compounds in Organic vs Conventional Fruit (Peach, Prunus persica L., and Pear, Pyrus communis L.) .Journal of Agricultural and Food Chemistry, 50 (19), 5458-5462

 Raigón, M., Rodríguez-Burruezo, A., and Prohens, J.;(2010) Effects of Organic and Conventional Cultivation Methods on Composition of Eggplant Fruits. J. Agric. Food Chem.58 (11), pp 6833–6840


Lester, G. &  Saftner R.A.; (2011Organically versus Conventionally Grown Produce: Common Production Inputs, Nutritional Quality, and Nitrogen Delivery between the Two Systems

Journal of Agricultural and Food Chemistry ,59 (19), 10401-10406

By Nicole with No comments

Wednesday, May 23, 2012

How to Not Pay for Software



As mentioned in a previous post, there are multitudes of companies that offer their products at a Student Discount Rate. However, I am going to tell you today how you can deck out your computer for FREE, starting from the operating system. How can you do this? A lovely movement called Open-Source Freeware.

Open-Source software is developed by people who have the philosophy that everyone should be able to freely access and share software. You can find them readily available through their websites, or through sites such as http://www.sourceforge.net. There is no catch, it is completely free! The main difference between freeware versus actual software is that the freeware may not have every individual tool or task that actual software does. A word of caution: be careful where you download from; as always, find some sort of virus protection (which you can also get for free!)

There are tons of programs out there that mimic Microsoft, Adobe, and other such company software. Below is a list of freeware that can equip your computer.

Operating Systems
http://www.ubuntu.com/  Ubuntu (like Windows, but linux based; this one is the most compatible with all other services))
http://www.haiku-os.org/  Haiku (like Microsoft Windows, and for normal computer users)
http://www.chromium.org/ Google Chromium (made for people who spend most of their computer time on the web)

Microsoft Office free alternatives
http://www.openoffice.org/    Open Office (like  Office)
http://www.google.com/google-d-s/b1.html  Google docs (like Office)

Adobe Products free alternatives
http://www.gimp.org/  Gimp (like Photoshop)
http://www.lightworksbeta.com/ Lightworks (like PremierePro or any video editor)
http://www.kompozer.net/ Kompozre (like Dreamweaver)
http://net2.com/nvu/ NVu (like Dreamweaver)
http://inkscape.org/ (like Illustrator)
http://creativedocs.net/  (like Indesign)


Media players 
http://www.videolan.org/vlc/index.html Video Lan (like Windows Media Player but better)
http://xbmc.org/ XBMC (all inclusive media player)

Virus protection
http://www.avast.com/en-us/index Avast (very user friendly)
http://www.malwarebytes.org/ MalwareBytes (best out there for malware protection)

Audio Editing/Recording

Browsers (most browsers are already free)



Well there you have it. This should be enough to get you started on your journey to saving hundreds of dollars. Now go buy a discounted laptop, get your student discount on whatever kind of software you must have (Windows and Office are ones I would purchase), and the rest can be substituted with freeware. Good luck!




By Nicole with No comments

Tuesday, May 22, 2012

Check out HigherEd Surplus for Deals


Ever wonder what happens to all of those abandoned bikes on campus? What about all those misplaced items like laptops, backpacks, tumblers, etc.? They all go to a special place called HigherEd Surplus. 




HigherEd Surplus works like Ebay, you can bid on items that have been posted, and the highest bidder wins. If you've got a good eye for picking out quality used items, be sure to give this site a try. 


http://www.higheredsurplus.com/sms/browse/home

By Nicole with No comments

Big Student Discounts for Computers and Software

LCD monitor
You really can't function properly without a computer nowadays. In college, it's even more difficult because most of your class materials are posted online rather than handed out in class. Why, you ask? This way it is much easier to distribute class information/materials, you save trees, and no student is with excuse for not having an assignment completed. 


However, PC's and laptops are a pretty penny. If you want to get a Mac, those are more like a pretty half dollar. Luckily for you (if you're a student, or know a student) you can find software, PC's and laptops at discounted rates. All you need is a valid ".edu" address, and you can save ridiculous amounts of cash. Be sure to hit up Adobe and Microsoft for extremely discounted software. 


Here are some websites of familiar technology companies that offer student discounts.
**Also, you may want to browse your college's official store to see what kind of deals you can get through them. 


Microsoft Student Store
Adobe Student and Teacher Store
HP Academy Student Store
Sony Student Store
Dell Student Store
Apple Student Store
Lenovo Student Store

By Nicole with No comments

Monday, May 21, 2012

Get thousands of E-books for FREE

So you want to pick up something to read on summer break, but you don't have any cash for Barnes and Noble. Guess you'll just watch Netflix all summer...


Actually, what few people know is that many Public Libraries are using Overdrive, a tool that allows them to distribute E-books in the same way that you would check out a book. Establish an account with your nearest Library, and start checking out E-books right from your own personal computer, for FREE. 


Public library not your thing? Check out these resources for more books, from people who believe that reading should be free. 


http://www.booksshouldbefree.com/
http://www.classicreader.com/
http://librivox.org/
http://manybooks.net/
http://www.gutenberg.org/wiki/Main_Page

Blank 3d book cover 3


By Nicole with No comments

Burn Calories and Not Money: Bike

Three common complaints of non-real people (people not yet in the workforce but not in primary school)



  • I have no money.
  • Gas is expensive.
  • There's no parking on campus.
  • I have no time to workout. 



Easiest. Solution. Ever: Invest in a BIKE! 


Ok, I'm a little biased, I love my bike Bessie:
2012 specialized crosstrail bike   2012 Specialized Crosstrail Bike


But really, when you think about it, what better way to save money, get places faster and burn some calories? It's the ultimate multi-tasking money-saving solution!


Average cost of gas currently: $3.60/gallon. 
If you drive a SMALL, fuel efficient car: $35 -$50 to fill up (more if you have a crappy or big car)
If you fill up every 2 weeks, cost of gas per month: $175-$250


Cost of a halfway decent bike (I recommend Cannondale or Fuji as mid-range): $200-$500 
Bike lights: $5-$55
Helmet (A MUST): $30-$70
Commuter bags (optional, or just use a backpack): $30-$75 


So all together, your bike will initially cost you between $300 and $700ish. Sounds like a lot. However, if you use it as a main transportation source, you can save $30/month on gym costs, $$175-$250/month on gas, and time getting to where you need to be. It's greener for the environment also...Bonus!


So per year, you are spending at least  $2100 on gas. Not to mention any extraneous costs for maintenance, oil changes, etc. Let's say those cost a conservative $200/year, and, if your parents aren't supporting you, another $100-$200 for insurance. So all together, at least $2300 to own and use a car per year. Cost of a decent bike, all together: at least $300. Cost of maintenance (usually free with your bike store or college campus bike crew), but we'll just say $50. So, per year, your bike will cost you at least $350. 


$2300 - $350 (the least of what you'll pay for each): $1950/year savings. 


You could buy a Macbook for that. 


Advice on buying a bike
I highly recommend investing in a non-retail store bike (like Wal-Mart). Why? The retail brand stores end up costing more in the end, due to all the maintenance you'll eventually have to keep up with. Just like buying a car lemon, you don't want to end up spending more on fixing it than what you paid for it. Spend a little extra from the get-go, and it will last you for a long time (even when you become a real person!)


Go search craigslist as well, often there are bikes for sell online that are better quality, cheaper, and only slightly used. REMEMBER TO DO YOUR RESEARCH. Don't get scammed by online sellers. 


If you are truly desperate for money and need some form of transportation, try going to local garage sales, used bike stores, pawn shops or even goodwill for the cheapest options. Keep in mind, they probably won't last as long, but they are a good "as needed" solution. 


So go ride your bike. A nicer butt, heavier wallet and maybe a new Macbook awaiiiiiiit!









By Nicole with No comments

Sunday, May 20, 2012

Can't Afford Tutoring?

So, you're sitting in Calculus 2, wondering how in the world you are ever going to make it through this class with higher than a C-. Trust me, been there. 


You think to yourself, "Maybe I should get a tutor." 


It is popular to go to the local joe-schmo I-will-teach-you-everything-you-need-to-scrape-by- Tutoring Center, but before shelling out $25-$75, think about hitting up these free websites first. 


http://www.saylor.org/ --> Geared towards college students, this website virtually provides every general ed college course for free, online. 


http://www.khanacademy.org/   --> With every subject known to man covered, if you are taking gen eds, these people know what they're doing. Video guides that are color coded, you can review them over and over.


http://www.apple.com/education/itunes-u/ --> Of course Apple's gotta put in their two cents. iTunesU (which is better to look at via iTunes) provides free educational podcasts for whatever subject you desire. 



By Nicole with No comments

Welcome

As the computer geeks say as they step bright-eyed and fresh-faced into the world of the web, Hello World! I am using this blog to document my journey to becoming financially savvy. As someone who doesn't have very much money (or make very much money), I have had to come up with creative ways to survive in this pseudo-real world I'm in. The aim of this website is to offer useful resources, advice, and encouragement for people who are currently living on a genuinely limited budget. Best of luck!


Here is something I plan to use for Pinterest, or a future book (if it ever gets that far!). 



By Nicole with No comments