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	<title>Comments on: 6 things you can buy that will pay for themselves in a year</title>
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	<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/</link>
	<description>Christian Personal Finance - Financial help blog, debt help and other financial resources</description>
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		<title>By: Janet</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-149049</link>
		<dc:creator>Janet</dc:creator>
		<pubDate>Sat, 10 Dec 2011 19:49:57 +0000</pubDate>
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		<description>Even though compact florescent lights are promoted, they are still toxic (mercury), and should not be thrown in the trash.  

Lowe&#039;s will take burnt out cfls, and dispose of them properly.  Please make the effort to drop them off for everyone&#039;s health&#039;s sake!</description>
		<content:encoded><![CDATA[<p>Even though compact florescent lights are promoted, they are still toxic (mercury), and should not be thrown in the trash.  </p>
<p>Lowe&#8217;s will take burnt out cfls, and dispose of them properly.  Please make the effort to drop them off for everyone&#8217;s health&#8217;s sake!</p>
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		<title>By: Paul</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-142983</link>
		<dc:creator>Paul</dc:creator>
		<pubDate>Sat, 12 Nov 2011 01:44:58 +0000</pubDate>
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		<description>@Steph That&#039;s a bit over the top calling him a whiner. Exactly where do you see him whining? All I see is him saying they work for him, and possibly other people have issues with their wiring or power fluctuations. If that&#039;s whining, well I guess the whole US of A is whining. Methinks you owe @Karl an apology.</description>
		<content:encoded><![CDATA[<p>@Steph That&#8217;s a bit over the top calling him a whiner. Exactly where do you see him whining? All I see is him saying they work for him, and possibly other people have issues with their wiring or power fluctuations. If that&#8217;s whining, well I guess the whole US of A is whining. Methinks you owe @Karl an apology.</p>
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		<title>By: Paul</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-142981</link>
		<dc:creator>Paul</dc:creator>
		<pubDate>Sat, 12 Nov 2011 01:37:48 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/#comment-142981</guid>
		<description>3 years ago our hot water cylinder died. Not surprising, date of manufacture was Dec 1972!! Got new cylinder and asked the electrician for a water cylinder insulation blanket and he said not to bother because they are so well insulated these days. Was dubious but 1) you can&#039;t feel the warmth on the outside of the cylinder and 2) my wife complains she can&#039;t raise bread dough in the hot water cupboard anymore. Don&#039;t need any more evidence than that.</description>
		<content:encoded><![CDATA[<p>3 years ago our hot water cylinder died. Not surprising, date of manufacture was Dec 1972!! Got new cylinder and asked the electrician for a water cylinder insulation blanket and he said not to bother because they are so well insulated these days. Was dubious but 1) you can&#8217;t feel the warmth on the outside of the cylinder and 2) my wife complains she can&#8217;t raise bread dough in the hot water cupboard anymore. Don&#8217;t need any more evidence than that.</p>
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		<title>By: Paul</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-142977</link>
		<dc:creator>Paul</dc:creator>
		<pubDate>Sat, 12 Nov 2011 01:33:37 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/#comment-142977</guid>
		<description>Totally agree. We&#039;ve had massive push for CFL&#039;s by local authorities, to the extent they bought them in bulk and onsold them to the people in the community at about half the price of normal retail. Downside is they keep blowing. I have a 5 bulb chandelier, put 3 CFL bulbs and 2 incandescent in. 2 of the CFL&#039;s blew in under a year. Incandescents still going strong. And no, not an on/off/on/off lighting situation. Light goes on and stays on for hours on end.
Complete and utter con. I&#039;ve saved money by having incandescents which while not lasting 5 years (some have up to 3 years) and the energy cost for them is higher, but lifetime cost is lower then CFL&#039;s coz they DON&#039;T last 5 years.</description>
		<content:encoded><![CDATA[<p>Totally agree. We&#8217;ve had massive push for CFL&#8217;s by local authorities, to the extent they bought them in bulk and onsold them to the people in the community at about half the price of normal retail. Downside is they keep blowing. I have a 5 bulb chandelier, put 3 CFL bulbs and 2 incandescent in. 2 of the CFL&#8217;s blew in under a year. Incandescents still going strong. And no, not an on/off/on/off lighting situation. Light goes on and stays on for hours on end.<br />
Complete and utter con. I&#8217;ve saved money by having incandescents which while not lasting 5 years (some have up to 3 years) and the energy cost for them is higher, but lifetime cost is lower then CFL&#8217;s coz they DON&#8217;T last 5 years.</p>
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		<title>By: Top 50 Frugality Blogs that Will Help You Save Money</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-37413</link>
		<dc:creator>Top 50 Frugality Blogs that Will Help You Save Money</dc:creator>
		<pubDate>Mon, 10 May 2010 13:29:48 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/#comment-37413</guid>
		<description>[...] Christian PF lists 6 things you can buy now that will pay for themselves by this time next [...]</description>
		<content:encoded><![CDATA[<p>[...] Christian PF lists 6 things you can buy now that will pay for themselves by this time next [...]</p>
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		<title>By: Steph</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-21595</link>
		<dc:creator>Steph</dc:creator>
		<pubDate>Fri, 19 Feb 2010 01:52:10 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/#comment-21595</guid>
		<description>@Karl....you still have not addressed the problem of disposal of CFL Lamps. We must come up with something that will not kill us in the long run. Yes, I too have had CFL Lamps that have lasted a long time but once they are done, what then? It is illegal here in our town to put them in the garbage or recycle bins. They are considered hazardous waste everywhere.  So what is your answer to this whiner?</description>
		<content:encoded><![CDATA[<p>@Karl&#8230;.you still have not addressed the problem of disposal of CFL Lamps. We must come up with something that will not kill us in the long run. Yes, I too have had CFL Lamps that have lasted a long time but once they are done, what then? It is illegal here in our town to put them in the garbage or recycle bins. They are considered hazardous waste everywhere.  So what is your answer to this whiner?</p>
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		<title>By: Karl</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-21533</link>
		<dc:creator>Karl</dc:creator>
		<pubDate>Wed, 17 Feb 2010 14:44:19 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/#comment-21533</guid>
		<description>The graf on battery chargers is virtually content-free. Too much trouble to do something that actually resembles making an effort? I did a lot of research when I got interested in rechargeables; here are some data that may be of interest. 

The picture that accompanies this article shows a cheap, &quot;dumb&quot; battery charger that runs for a set time, usually 8 hours. If you’re traveling light and need something to re-power your batteries once or twice while on the road, they’re okay for that. But regular use of them will shorten the lives of your rechargeables. 

There are some really super chargers that are very inexpensive (about $25) considering how sophisticated they are. Two that seemed good when I was looking (which was a couple years ago; current shoppers should do their own research) were the La Crosse BC-900 and the Rayovac Universal Battery Charger PS3. These are ‘smart chargers’ -- for example, the PS3 is smart enough to recognize the difference between various rechargeable batteries, and can automatically initiate the correct charging method. When a battery is inserted into the PS3, the charger begins with a small “trickle current” to determine which type it is. The charger will then use feedback from this procedure to utilize the appropriate charging current and charging time until the battery is ready. The charger has four independent charging channels, so you can charge different batteries in any channel. Each channel comes with a status indicator LED, which turns off once each battery is fully charged. These chargers also have diodes that prevent reverse current flow.

It’s important to read the instructions on rechargeable batteries and battery chargers. I’ve seen people leave batteries in a &quot;dumb charger&quot;, plugged into a wall socket, for over a month.... possibly no harm was done, but all it takes is for a battery to be that single “lemon” out of thousands and something really bad could happen. I’ve also witnessed someone mixing AA and AAA batteries in one of the little “dumb chargers” and plugging it in overnight. Those little pocket chargers are not designed for mixing different size batteries and this could cause overheating and a possible fire. 

Older rechargeable NiCad (Nickel-cadmium) batteries contain cadmium, a toxic heavy metal that leeches into the environment when discarded. They also tend to have &#039;memory&#039; which means that if you recharge a battery when it&#039;s lost only half its power, it will thenceforth only recharge halfway. The newer rechargeable NiMH (Nickel Metal Hydride) batteries don&#039;t have the &#039;memory&#039; issue, but they self-discharge (lose power) at a high rate -- around 30pc to 60pc per month, even when not used. Fortunately, there are better rechargeables now available! 

Sanyo makes the Eneloop and Rayovac makes the Hybrid; they are supposed to be similar in properties. I haven’t used the Eneloop, but I’ve used plenty of the Hybrid batteries and love them. Eneloop and Hybrid batteries do not have the rapid self-discharge that plague regular NiMH batteries. They hold their power for about as long as regular alkalines, and you can rapidly save big money on battery purchases -- hundreds of dollars, no exaggeration. Rayovac Hybrids are available at Target for about $10 for a package of four batteries. Currently made only in AA and AAA but I called Rayovac and they tell me that more sizes are in the works. 
--------------------------
As for the CFL lamps, I am still using some that I bought in 1992 and have used continually ever since. I also have other, newer spiral style CFL lamps (&#039;lamp&#039; is the technically correct term for a &quot;light bulb&quot; type device) that have been used daily since being purchased about six or eight years ago. In the past 18 years, I&#039;ve had exactly THREE of my CFLs burn out; my entire house is outfitted with them (except for a couple incandescent lamps that are on dimmer switches) and the rest keep working year in and year out. Rather than just bleating &quot;they burn out fast, they must be junk&quot; maybe you folks should try to figure out WHY they&#039;re burning out. It&#039;s possible that some CFLs may indeed be inferior products from corner-cutting Asian factories; so, try several different brands of CFLs and see if they all exhibit the same problems. If your CFLs burn out all the time, my guess is that you may be getting current fluctuations. Electric current is not uniform, as most people assume. CFLs are sophisticated electronic devices, not just a wire inside a glass bulb like the old incandescants. Spikes will severely shorten the life of sensitive devices. You should regard your CFLs as &#039;canaries in the coal mine&#039; and investigate the source of the problem. Current spikes will kill ALL of your expensive electronics, including your computer, television, stereo, etc. -- all of which should be connected to power manager devices that control spiking. You can pick these up for about $25 each -- cheap insurance. In addition, if your CFLs all burn out quickly, it may well be indicitave of frequent, severe power fluctuations. You may want to consult an electrician about putting a similar device inline on the main power line to correct the problem throughout your house. </description>
		<content:encoded><![CDATA[<p>The graf on battery chargers is virtually content-free. Too much trouble to do something that actually resembles making an effort? I did a lot of research when I got interested in rechargeables; here are some data that may be of interest. </p>
<p>The picture that accompanies this article shows a cheap, &quot;dumb&quot; battery charger that runs for a set time, usually 8 hours. If you’re traveling light and need something to re-power your batteries once or twice while on the road, they’re okay for that. But regular use of them will shorten the lives of your rechargeables. </p>
<p>There are some really super chargers that are very inexpensive (about $25) considering how sophisticated they are. Two that seemed good when I was looking (which was a couple years ago; current shoppers should do their own research) were the La Crosse BC-900 and the Rayovac Universal Battery Charger PS3. These are ‘smart chargers’ &#8212; for example, the PS3 is smart enough to recognize the difference between various rechargeable batteries, and can automatically initiate the correct charging method. When a battery is inserted into the PS3, the charger begins with a small “trickle current” to determine which type it is. The charger will then use feedback from this procedure to utilize the appropriate charging current and charging time until the battery is ready. The charger has four independent charging channels, so you can charge different batteries in any channel. Each channel comes with a status indicator LED, which turns off once each battery is fully charged. These chargers also have diodes that prevent reverse current flow.</p>
<p>It’s important to read the instructions on rechargeable batteries and battery chargers. I’ve seen people leave batteries in a &quot;dumb charger&quot;, plugged into a wall socket, for over a month&#8230;. possibly no harm was done, but all it takes is for a battery to be that single “lemon” out of thousands and something really bad could happen. I’ve also witnessed someone mixing AA and AAA batteries in one of the little “dumb chargers” and plugging it in overnight. Those little pocket chargers are not designed for mixing different size batteries and this could cause overheating and a possible fire. </p>
<p>Older rechargeable NiCad (Nickel-cadmium) batteries contain cadmium, a toxic heavy metal that leeches into the environment when discarded. They also tend to have &#8216;memory&#8217; which means that if you recharge a battery when it&#8217;s lost only half its power, it will thenceforth only recharge halfway. The newer rechargeable NiMH (Nickel Metal Hydride) batteries don&#8217;t have the &#8216;memory&#8217; issue, but they self-discharge (lose power) at a high rate &#8212; around 30pc to 60pc per month, even when not used. Fortunately, there are better rechargeables now available! </p>
<p>Sanyo makes the Eneloop and Rayovac makes the Hybrid; they are supposed to be similar in properties. I haven’t used the Eneloop, but I’ve used plenty of the Hybrid batteries and love them. Eneloop and Hybrid batteries do not have the rapid self-discharge that plague regular NiMH batteries. They hold their power for about as long as regular alkalines, and you can rapidly save big money on battery purchases &#8212; hundreds of dollars, no exaggeration. Rayovac Hybrids are available at Target for about $10 for a package of four batteries. Currently made only in AA and AAA but I called Rayovac and they tell me that more sizes are in the works.<br />
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<br />
As for the CFL lamps, I am still using some that I bought in 1992 and have used continually ever since. I also have other, newer spiral style CFL lamps (&#8216;lamp&#8217; is the technically correct term for a &quot;light bulb&quot; type device) that have been used daily since being purchased about six or eight years ago. In the past 18 years, I&#8217;ve had exactly THREE of my CFLs burn out; my entire house is outfitted with them (except for a couple incandescent lamps that are on dimmer switches) and the rest keep working year in and year out. Rather than just bleating &quot;they burn out fast, they must be junk&quot; maybe you folks should try to figure out WHY they&#8217;re burning out. It&#8217;s possible that some CFLs may indeed be inferior products from corner-cutting Asian factories; so, try several different brands of CFLs and see if they all exhibit the same problems. If your CFLs burn out all the time, my guess is that you may be getting current fluctuations. Electric current is not uniform, as most people assume. CFLs are sophisticated electronic devices, not just a wire inside a glass bulb like the old incandescants. Spikes will severely shorten the life of sensitive devices. You should regard your CFLs as &#8216;canaries in the coal mine&#8217; and investigate the source of the problem. Current spikes will kill ALL of your expensive electronics, including your computer, television, stereo, etc. &#8212; all of which should be connected to power manager devices that control spiking. You can pick these up for about $25 each &#8212; cheap insurance. In addition, if your CFLs all burn out quickly, it may well be indicitave of frequent, severe power fluctuations. You may want to consult an electrician about putting a similar device inline on the main power line to correct the problem throughout your house.</p>
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		<title>By: Steph</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-17259</link>
		<dc:creator>Steph</dc:creator>
		<pubDate>Sat, 31 Oct 2009 01:41:18 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/#comment-17259</guid>
		<description>Patrick, I totally agree with you about the hazards of CFL and we have had the same thing happen with our &quot;5-year bulbs&quot;.  Once again, our nanny state government has completely blown it by pushing these hazardous bulbs on us. I agree that incandescent bulbs use more energy but LED lights are better and no hazards! Folks who make these laws should actually KNOW what they are doing.</description>
		<content:encoded><![CDATA[<p>Patrick, I totally agree with you about the hazards of CFL and we have had the same thing happen with our &#8220;5-year bulbs&#8221;.  Once again, our nanny state government has completely blown it by pushing these hazardous bulbs on us. I agree that incandescent bulbs use more energy but LED lights are better and no hazards! Folks who make these laws should actually KNOW what they are doing.</p>
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		<title>By: Patrick</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-17132</link>
		<dc:creator>Patrick</dc:creator>
		<pubDate>Wed, 28 Oct 2009 16:21:48 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/#comment-17132</guid>
		<description>I&#039;ve had 3 of those CFL bulbs burn out on me this year alone.  They don&#039;t last anywhere near 5 years, much less one year.  Then, they have to be treated as hazardous waste once they are done.  There are no savings to be had in buying CFL bulbs.</description>
		<content:encoded><![CDATA[<p>I&#8217;ve had 3 of those CFL bulbs burn out on me this year alone.  They don&#8217;t last anywhere near 5 years, much less one year.  Then, they have to be treated as hazardous waste once they are done.  There are no savings to be had in buying CFL bulbs.</p>
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		<title>By: Jackie@Lilolu</title>
		<link>http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/comment-page-1/#comment-17070</link>
		<dc:creator>Jackie@Lilolu</dc:creator>
		<pubDate>Tue, 27 Oct 2009 16:46:00 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/6-things-you-can-buy-that-will-pay-for-themselves-in-a-year/#comment-17070</guid>
		<description>Thanks for the reminder.  There are a few things on that list I&#039;ve been meaning to get.</description>
		<content:encoded><![CDATA[<p>Thanks for the reminder.  There are a few things on that list I&#8217;ve been meaning to get.</p>
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