Jul
19
2007
We bought a house; we’re happy. Start the deceptive junk mail.
Mortgage insurance providers are pretty smooth. They must have sent the first mailing within about 2 days of me closing on the home. It was, in fact, the first piece of mail I got. Deceptively, it looked as though it was from my mortgage company. They smartly include the name of my mortgage provider on the envelope (or through the window) to make it seem as though it is coming from my mortgage provider. Here’s an example:

Once you open it up they continue the charade of making it seem like this might still be from my mortgage provider:

Of course it’s not from my mortgage provider and clearly this is lucrative enough for about 40 different companies from all over the US to send me the same damn mailing. If so, that must mean it’s absolutely not worth it! I’m just wondering how many more are going to come…
I’ve received a bunch of other crap, but this next one is the only other one that has really bothered me. They, too, use scare tactics to make it seem like I desperately need what they have to sell. Little do they know that I know that tap water quality is extremely highly monitored and regulated. In fact, with few exceptions, tap water is cleaner and safer than bottled water. Bastards:

no comments | posted in advice, beefs
Apr
30
2007
A family member recently sent me an email encouraging me to try a new fuel additive that claims to boost fuel economy. Because I care about this relative and care about the truth, I spent a few minutes checking out the claims of this company to see if it is really worth my time. Here’s what I wrote back:
I took your claims seriously and did a little sleuthing to see what I could find out about this fuel additive - Ultimate ME2. Here’s what I found:
- Ultimate ME2 is registered as a fuel additive with the EPA (see this website). However, all that means is that burning Ultimate ME2 does not release anything toxic in the air (at least, nothing more toxic than the gasoline it is replacing). That does not mean that the fuel additive actually improves fuel economy. (See here for the registration guidelines)
- As is typical with our government, they don’t test every new product that comes to market to ensure that what it claims is true. They do test these additives to make sure they aren’t polluting the environment but the EPA does not actually test them to see if they improve fuel economy. That isn’t really the EPA’s job. They do test fuel efficiency in cars, but not fuel efficiency of additives (see this website).
- The EPA says you have to rely on the independent testing a company does to verify their claims. Okay, I don’t think that is a very good approach given the propensity of companies to lie, but let’s check it out. I went to the website you mentioned to look into the claims of Ultimate ME2.
- The website itself reeks of a multi-level marketing scam. The biography of the company founder reads like a rags-to-riches dime store novella, not to mention he has so many initials behind his name that I’m led to believe they really do stand for B*llShit (or BS). The claims they make about their additive are highly suspicious.
- Add to that the fact that if a company really discovered a way to make fuel burn more efficiently every oil company in the world would be after their product (either to corner the market on it or to squelch it so they can keep up their profits). Given the amount of money, research, and time the big players invest in this area, do you really think a small organization like EYIwould have a leg up on the big guys? I doubt it.
- Finally, if their product is so amazing, why sell it using a multi-level marketing scheme (MLM)? Why not turn to retail or wholesale distribution?
- All of these things made me question the claims of the company. So I examined their “independent” testing data myself. I’m guessing they just made up the numbers to make this seem convincing, though I don’t know that for sure. Even if they did, they don’t know anything about statistics as the numbers don’t support their argument. Here’s the link to their “independent” test results. And here’s a link to the company they claim performed their tests (this is a really pathetic website - I wonder if they put it up themselves).
- If you look at the bottom of the .pdf file they actually have a table showing the results of their three tests. I took those results and threw them into my statistical analysis software. You see, they seem to indicate an improvement in fuel economy between the two cars, with the one using Ultimate ME2 having better fuel economy than the one that didn’t. The problem is, these results could be due to random chance fluctuations in driving conditions, that particular batch of gasoline, how the driver maneuvered the car, etc. So, I ran a simple t-test on the results and, not surprisingly, the difference between the control and experimental cars is not significantly different (mean difference=1.168, p< .586). There is a difference, yes, but three cases are not sufficient to claim what they are claiming. They would need to repeat this test with these same results probably 50 to 100 more times to convince me that the fuel additive actually works (I don’t have the time to actually do the power calculations).
- Additionally, I’m always a little skeptical about these claims because it doesn’t seem to me like they actually include the cost of the additive along with the extra amount of the additive in the fuel economy calculations. Let me explain. If you buy 10 gallons of gas at $2.85 and you get 35 miles/gallon (this is what my car gets), you are paying roughly $0.08 per mile.
- Now, add 1 pint of fuel additive. Let’s say it costs $3.50. To accurately calculate the new cost per mile you need to add the $3.50 to the $28.50 to get your new cost: $32.00. You also need to add the 1 pint of additive to the gallons of gas you purchased: 10.25 gallons. Now do the math. Buying and adding the fuel additive translates into $0.09 per mile. You’re paying a penny more per mile, which adds up on a long trip (1000 miles = $10.00). When you did your calculations, did you take this into consideration?
- Here’s where it gets really intriguing. In order to warrant using the additive, you would need to get a 13% improvement in fuel economy (that’s the difference between $0.08 and $0.09, 12.5% to be exact). In other words, if you use the additive, and it works, you are paying the exact same amount as if you did not use the additive. To actually save money, you’d need to improve fuel efficiency more than 13%.
- Ironically, Ultimate ME2 claims an improvement in efficiency of 13% - which means you’re paying the exact same amount as if you didn’t use it given its cost. I don’t know how much Ultimate ME2 costs per pint, but I just checked on a similar product at auto zone and it is actually $5.99 per pint. In that instance, it would need to improve your fuel economy by close to 20% just to pay for itself. You would need to do better than that to experience any savings.
So, what am I saying? There is no reason to believe any of the claims of EYI, the company that makes Ultimate ME2. They don’t explain how their product works and the little data they do provide (which is of questionable origin) doesn’t actually support their claims. Your better off buying the least expensive gas you can find and making sure you: (1) check your tire pressure, (2) have clean air filters, (3) change your oil regularly, (4) don’t drive fast, (5) and get as much weight out of your vehicle as possible. Fuel additives are a scam, pure and simple. Sorry, but they are.
Update 2008-07-12: Here’s a recent article from the St. Petersburg Times giving the same advice I have given here.
29 comments | posted in advice, beefs
Jan
20
2007
An excellent article in the NYTimes this morning provided a bunch of links and information on how to opt out of all sorts of solicitations:
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May
30
2006
Well, Debi actually found it… But it was my idea…
Have you ever opened a tin can only to use about half the contents? Your then stuck with either putting the rest of the contents in something else to store them in a refrigerator or doing what we’ve done for the last 6 years - putting a piece of plastic wrap or tinfoil over the can and sticking it in the refrigerator. While the first approach is more hygenic and results in better storage outcomes, it also messes up more dishes and is a little more time consuming. The second result doesn’t mess up more dishes, but isn’t very secure (easy to spill what’s inside the can) and doesn’t have a good storage outcome.
For years I figured there had to be a better solution. With the prevalence of plastic lids in consumer goods these days, someone had to have had the idea of just marketing lids for tin cans. Someone probably has, but I couldn’t find one. So, after thinking about this for several months and searching on the internet and in my local Kroger for plastic lids for tin cans, I finally decided that we’d just hunt through the Kroger until we found a product that had the right-sized lid to reseal a tin can and buy it.
So, Sunday, Debi and I went out shopping and found ourselves facing the momentous task of trying to fit a plastic lid to a standard-sized tin can (usually 15 to 16 ounces in weight). I actually assigned Debi the task of finding the lid while I did our regular shopping, but I tried on a few here and there as I went. I felt kind of odd doing so, but since I only tried a couple, I wasn’t too embarrassed.
Debi, on the other hand, got a lot of weird looks as she walked up and down aisles pulling off lids and trying to fit them to a tin can she was carrying. She tried yogurt lids, coffee can lids, etc. She must have tried 50 lids before she found it… Yep, she found the holy grail of food storage - a plastic lid that fits snugly over a regular sized tin can. Go ahead and guess where you think she found it… Come on, guess! Don’t skip ahead and peek; that’ll ruin the fun.
After searching high and low, our food storage savior turned out to be… (drum roll please)… Hershey’s chocolate syrup! Yep, that’s right. Hershey makes the plastic bottle chocolate syrup, with which most people are probably familiar. But they also distribute it in a 16 oz tin can with a plastic lid so you can reseal it for storage. Plus, the cans are less than $2.00 a piece. I’m guessing that anyone selling the lids individually would probably charge more than that for them… Anyway, we bought two! We now have a quick and easy solution for storing tin cans in the refrigerator when we haven’t used all of the contents (plus a ton of chocolate syrup). No more tin foil lids, no more spills! Halleluah! I see the light! And the light says “Hershey!”
1 comment | tags: advice, general news | posted in advice, general news