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Updated March 16, 2011. If you have been paying attention to the media, you most likely saw terrifying footage of tsunami waves destroying much of the eastern coastal areas of Japan, particularly Miyagi prefecture. Friday’s earthquake measuring 9.0 magnitude on the Richter scale triggered massive waves that leveled homes and farms, left thousands missing, forced an evacuation of the area surrounding a nuclear power plant, and triggered estimates of ten thousand killed. The natural effects extended to the west coast of the United States, where strong currents affected some ports and waves forced evacuations of some areas.

In addition, the Fukushima Dai-ichi nuclear power plant was affected by the disaster, with some injuries to employees after an explosion and a call for surrounding residents to evacuate.

When devastation hit Haiti in 2009, Americans wanted to help those affected by devastation. Unfortunately, unscrupulous individuals worked hard to take advantage of the good will. Soon after the disaster, there were many websites collecting funds purportedly for assistance. Unfortunately, many were simply scams, designed to take people’s money. There will surely be similar websites designed to trick well-meaning individuals into parting with their money.

If you plan to support the relief efforts in Japan, consider sending money to legitimate, international organizations that focus on humanitarian aid during crises. Don’t give food or supplies; it’s best to let the aid organizations decide what materials they need and when they need it. As with any charity, though, the exact dollar you send today may not go directly to Japan. Many organizations already have funds committed to relief. Your dollar will go to replenishing the money that is currently being spent.

The American Red Cross is already on the scene in Hawaii and the U.S. west coast, and has pledged financial support to the Japanese Red Cross. You can donate $10 to the Red Cross by texting “redcross” to number 90999. If you prefer to make a larger contribution, visit the American Red Cross donation center. “Your gift to the American Red Cross will support our disaster relief efforts to help those affected by the earthquake in Japan and tsunami throughout the Pacific. On those rare occasions when donations exceed American Red Cross expenses for a specific disaster, contributions are used to prepare for and serve victims of other disasters.”

Japan sits on the intersection of three tectonic plates and is thus no stranger to earthquakes. In fact, Japan’s infrastructure, at least in the cities, is particularly suited to withstand most major earthquakes, more so than the rest of the world, including California. The death toll could have been much higher with less sophisticated engineering, but this is no comfort to those displaced, hurt, or killed by the tsunami. As Japan is well-prepared, the need for international assistance is not as great as it would be for a developing nation.

UPDATED. Doctors Without Borders (Médecins Sans Frontières) has been assessing the situation, and is now providing mobile clinics on the ground in Japan. “Although injured people had been evacuated by helicopter from these areas, many elderly people were still there, some of whom were dehydrated, the coordinator said… MSF is now identifying specific needs — including oxygen, non-food items, medical items and water — and will work with Japanese authorities to assist these populations.” The organization is currently not soliciting donations for this effort, they are drawing upon previous donations that have not been earmarked for a specific cause. If you’d still like to donate to MSF, in the United States, visit the organization’s website.

Oxfam has yet to determine whether Japan has a need for this international organization’s assistance. Usually, Oxfam reserves its support for areas of the world that would not be able to support recovery on their own. Japan is a wealthy notation, and has been charitable when other nations needed assistance. Many governments, including that of the United States, have pledged support, but unlike recent disasters, Japan has the ability to handle much of the recovery.

UPDATED. The International Medical Corps is actively working in Japan right now to support the government’s response efforts. To provide $10 in support, text MED to number 80888 or donate online.

Keep the above in mind when considering your donations. Give only to organizations that have 501(c)3 status — not because of the tax deduction, but because of the requirement of public accountability.

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Last year, Consumerism Commentary matched $3,584 in readers’ charitable contributions. For every dollar that readers donated and informed us, we made a matching donation to the World Food Programme (through the American arm of the organization, the Friends of the World Food Program). I felt this was a great way to give thanks to our readers as well as to be thankful that we, as a community, are in a position to help others.

On behalf of Tom, myself, and everyone else who contributes to Consumerism Commentary behind the scenes, have a happy Thanksgiving. I’ve been spending the week with my family in California. I hope that everyone who celebrates this holiday has a chance to spend time with loved ones.

Between now and December 11 17, Consumerism Commentary will match any charitable donations you make, up to $5,000 in total. Feel free to give to a charity of your choice (non-profit, 501(c)3 only), and forward us the receipt through email. Full instructions are at the end of this article. After December 11 17, we will match the total amount donated by readers with a donation to Médecins Sans Frontières (MSF), also known as Doctors Without Borders in the United States.

MSF recently commented that the response to the cholera outbreak in Haiti has been inadequate. The organization, existing to deliver emergency aid to people affected by epidemics or natural or man-made disasters, has already treated 16,500 individuals affected by the disease, and is currently in the best position to treat more. Doctors Without Borders USA is rated highly by Charity Navigator. The best way to help is to donate with labor or materials, but financial donations have a significant effect, as well.

Here is the organization’s mission statement:

Doctors Without Borders/Medecins Sans Frontieres (MSF) is an independent international medical humanitarian organization that delivers emergency aid to people affected by armed conflict, epidemics, natural or man-made disasters, or exclusion from health care in more than 70 countries.

MSF’s decision to intervene in any country or crisis is based solely on an independent assessment of people’s needs — not on political, economic, or religious interests. MSF does not take sides or intervene according to the demands of governments or warring parties.

In recognition of its work, MSF was awarded the 1999 Nobel Peace Prize.

For Consumerism Commentary to match your donation, follow these two simple steps:

  • Give to a charity of your choice between Thursday, November 25 and Friday, December 17, 2010.
  • Email your receipt to charity at this domain (consumerismcommentary.com) by Monday, December 20, 2010.

I will not use your personal information contained on the receipt for any purpose, and you’re free to remove your personal information if you like. Please note that if we reach the maximum of $5,000 before the deadline, we won’t be able to match any subsequent donations.

Have a safe and happy Thanksgiving!

Also, Jackie from MoneyCrush has agreed to match donations between $5,000 and $6,000 to the Nothing But Nets campaign of the UN Foundation, whose mission is to save lives by preventing malaria in children.

December 16 update: As of today, readers have confirmed donations totaling $8,033 which, including Consumerism Commentary’s and MoneyCrush’s matching contributions, adds up to $14,033 designated for charity! Thank you to everyone who has participated thus far.

Photo: Slideshow Bruce

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It’s been a couple of weeks since I shared details of my push to get rid of the credit card debt. I’ve been diligently taking out exactly $100 from the ATM to spend from Saturday morning through Friday night. That’s just for daily, personal purchases that don’t contribute to the house as a whole, though. As I suspected, it hasn’t left me with many opportunities to do something nice for my wife, and this past fortnight has forced me to keep mentally reminding myself of a few things.

It can’t all be tasty

It’s still not second nature for me to think of my weekly $100 as partially being spent on boring and annoying things like gasoline and haircuts, to say nothing of clothing. I tend wrongly to assume on a Wednesday that, “oh, I still have $50 for lunch this week,” when it’s really closer to $20.

I also really want to be the kind of husband who frequently brings home flowers, but it just doesn’t seem practical, yet.

No month is going to be normal

It seems like there’s always something abnormal showing up to make the budget be a little off. Earlier in February I paid another $200 for Level 3 Improv classes, so I had to remember to make a credit card payment of $450 for March 1st instead of $650. (I’m making payments on the higher, newer debt at a rate of $1,300 a month, but doing it twice a month to help bring the interest down more.)

It’s also sort of vacation season. We did a fantastic job this past weekend in San Antonio not going hog wild with the spending, but it’s still a tendency of mine to want to whip out the plastic when confronted with temptation, especially if I’m drinking. There’s another mini-vacation coming up in Austin during SxSW, where we have a tradition of meeting our old-school nerdy blogger friends.

Stop cheating!

Okay, so even though I used my debit card recently at Starbucks, it was because it was after the time I was supposed to go to the ATM, but I hadn’t made it there, yet. When I did find an ATM, I managed to find one that would give me $90 instead of $100.

But here are the things that got added to the newer card since February 13:

  • MyFax – $10 – I almost never use this online fax service, but it seems like a really handy thing to have. I’ll make a to-do to decide one way or the other
  • Mozy.com – $9.95
  • Toll roads – $40
  • Web hosting – $22.89 – this number fluctuates a lot, primarily because I have more domains than I know what to do with, and I can’t ever bring myself to cancel them.
  • FedEx Kinkos – $8.29 – this was actually for work, so I should get it reimbursed. I almost never pay for things on behalf of my employer, so I’m not even sure what form to use, if form there be. New to-do.
  • Cinematic Titanic – The Alien Factor – $9.99 – there it is. I spent $10 that I shouldn’t have on a goofy, fun movie. I’ll have to remember to find the $90 ATM again tomorrow.
  • iTunes – $1.09 – Ack, I did it again! I couldn’t resist buying the Metallica song “Wherever I May Roam.”
  • Mobile phone bill – $95.36 – this is $10 more than usual because of the Haiti thing.

So, I had two moments of weakness, but I have a way to make it up to myself. The particularly annoying thing about this past fortnight is that I had to get another haircut after just 10 days, because the first time I sought out a proper manly barber, he did a terrible job, and two days ago my head looked like a dirty blond helmet. I don’t know, I think his eyesight is going, because the straight razor performance was abysmal, too.

What about the legacy debt?

For paying down the legacy credit card, I’ve only been using “extra” money: the cash that comes in from jobs like writing here. This year I switched payments from my name to our little corporation, and the corporation just got paid for the first time. What I’m supposed to do now is have the corporation pay me a “reasonable salary” and then use that money to pay down the credit card.

Does anybody have advice for figuring out what a “reasonable salary” looks like?

Credit Card Debt Totals Change
Legacy Debt $944.95 +10.28
Newer Debt $4,657.71 -247.61

You can cheer me on and/or witness my money minutiae on Twitter if you want to.

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Wrapping up the first month of the year, I’m not quite convinced I’m on the right track yet. I spent most of this month without much time for myself. I suppose it’s a good thing I’m not responsible for any other person than myself. On the other hand, January was a great month for Consumerism Commentary.

For most of the month, I was focused on the two-week “tour” I took during the last two weeks of the month. I wrote articles for ten other websites, and I’m happy to say they were all well received. Here are the highlights from my tour. Please take a moment to read some of these articles and visit these websites.

Best of Consumerism Commentary, January 2010

Meanwhile, back on Consumerism Commentary, Smithee, Kelly, and I were staying busy. Here are some of the best articles posted here this past month.

Join the community

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Donations For Haiti Relief Will Be Deductible For 2009 Taxes

by Flexo

Earlier today the House of Representatives passed a bill to encourage more charitable contributions for recovery in Haiti. Once this bill passes the Senate and is signed into law by the President, and I expect it won’t be long until this law is official, those of us who have donated or will donate cash before ... Continue reading this article…

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Safe Donations to Victims of the Earthquake in Haiti

by Flexo

Yesterday, a magnitude 7.0 earthquake struck Haiti, with the center only less than ten miles from Port-au-Prince, the capital of the country. Of course, the news of the devastation has been everywhere in the media. Major landmarks have been destroyed by the disaster, including the Presidential Palace and the Port-au-Prince Cathedral. Haiti is a poor ... Continue reading this article…

11 comments Read the full article →