RISCARIO INSIDER

September 11, 2010

Iron Man Didn't Save Leslie Bibb But Another Superhero Did

Floods. Hurricanes. Power failures. Disease. Financial meltdowns. Drought. Y2K. Famine. Global warming. Killer bees. Toxins. Avalanches.

What do we learn from devastation? Sometimes, we can take simple, quick, cheap precautions like washing our hands and covering our mouths when we sneeze. Other reactions are very expensive, such as the gigantic costs in time, money and anxiety from the escalated security following 9/11. Since memories fade, the precautions only be temporary.

This post isn't meant to scare you about possible future horrors. Why complete with the news or movies?
We have trouble associating with big numbers but we connect with individuals. We like stories and listen to celebrities. Let's scale down to one family.

Leslie Bibb's Tragedy

Leslie played reporter Christine Everhart in Iron Man 1 and 2 but Tony Stark didn't avert a tragedy in her personal life. Neither did Superman, Batman, Spider-Man, Hancock, Defendor or Dr. Manhattan.

Her dad was the superhero.

He died in an accident when she was only three but had enough life insurance to keep her family going. She's got three older sisters and a mother.

We would have been sunk if it weren’t for your father’s life insurance.
— Leslie's mom

Leslie didn't realize the role this silent protector played. That's the magic of life insurance. You barely notice the premiums but you get immense peace of mind. Should you die, your family gets the financial resources to survive. The tax-free proceeds can payoff the mortgage, provide ongoing living expenses and fund higher education.

We would have had to sell our home. My mom would have been forced to work longer hours or get a second job. But none of that happened because of my dad’s thoughtfulness. — Leslie

Leslie is the spokesperson for the nonprofit LIFE Foundation and tells her touching — but hardly unique — story herself.

I can't embed this video, so you'll need to click to view.

Your Options

Some people think it's morbid to anticipate the worst. Well, sometimes the worst happens and thankfully for my family, my father had planned ahead.

I doubt people will buy life insurance just because I said so, but maybe it will remind them to follow through on something that has been on their to-do list for awhile.

— Leslie

We can't predict the future but we can protect ourselves and those we care about. This takes time and money. So does inaction.

Podcast Episode 83 (3:55)

direct download | Internet Archive page

PS This is Life Insurance Awareness Month. Do you have your own story?

September 4, 2010

reBOOT: WHAT HAPPENS WHEN YOU DONATE YOUR COMPUTER?

We rely heavily on technology and so do those less fortunate. How long do you keep a computer? What do you do when you no longer need it?

Upgrade Schedule

When do you upgrade? My timetable is every two years. I might delay a bit if there's a new operating system on the way. Vista wasn't worth the wait but Windows 7 was.

The new equipment is high quality and generally made for business. I'm writing this on a ThinkPad X200 tablet with multitouch, pen support and a silent hard drive with no moving parts. A month after I bought, the X201 was launched … that's another story. The point is that the equipment will last. We cascade within the family and then donate.

Here's what we just gave

two Pentium 4 desktops, each the size of a large loaf of bread (QBIC, Shuttle XPC 20th anniversary edition)
two 15" LCD monitors (Samsung 570)
a flatbed scanner with a sheet feeder (HP Scanjet 6250)
inkjet printer (never used)
assorted wireless keyboards, wireless routers, etc

Please don't ask what this equipment cost when new.

reBOOT

Search online and you'll find many places that accept equipment. We picked reBOOT, with locations across the country. This national charity sends refurbished equipment to charities and nonprofits across the country and abroad. One shipment of 60 computers is destined for schools in Afghanistan but the Taliban are blocking delivery because girls would also be educated.

Worried about identity theft? Me too. So I wiped the hard disks at home. reBOOT does too using RCMP standards. That's important for peace of mind and a key reason I'm careful about where equipment goes. If you're really worried, you can remove the hard drive and smash it to bits with a hammer. Extreme but effective.

Thanks to Microsoft, all computers come with Windows XP and Office XP (Word, Excel, Outlook, Publisher, PowerPoint, Access and FrontPage).

You can buy equipment there too.

New Homes

Since we upgrade regularly, I wasn't sure that what's obsolete for us would be useful to anyone else. It is. Here are the likely destinations.

Mini-desktops to UNESCO?

Aid organizations want small, light, reliable equipment because space is at a premium. Our computers are ideal. They can be turned into servers after adding 2 TB hard drives. Our computers use low power, which is also a bonus.

LCD monitors to UNESCO?

A 15" LCD with 1024x768 resolution is still usable. The smaller size helps with portability. Our monitors might accompany the mini-desktops.

Scanner to Seniors?

Seniors have old photos and slides and other things to scan. Our scanner has a slide adapter, a sheet feeder, a white light and the character recognition works with text as small as 4pt. So it's still useful.

The Rest

The future of the rest of the equipment isn't known. It works and will likely find nice homes. Now that we know that old equipment can be reused, I'm happier about donating more and sooner.

Your Turn

Some computers — especially Macs — were almost old enough to vote. We saw a Mac donated three weeks ago that's now a door stopper.

You probably have stuff to donate and causes you care about. Why not give while the equipment can still be used? You may get a tax receipt. You'll also clear up space at home … for more gadgets.

Podcast Episode 82 (4:29)

direct download | Internet Archive page

PS Back to School time is a great opportunity to give.