Saturday, December 26, 2020

Recipe of the Month: Simplified Malai Kofta

Last year during Passover, I bought a box of instant mashed potatoes, thinking perhaps I could use them for a cheaper alternative to the potato-based hot cereal I usually eat for breakfast during that week. That experiment didn't work out, so most of the box ended up just stashed away in the pantry. Then, earlier this year, we suddenly discovered a use for them. In a thread on the Frugal forum on Reddit about things that are much cheaper to make or do for yourself, one Redditor mentioned making homemade gnocchi with instant mashed potatoes. This caught my attention because gnocchi were one of the few convenience foods Brian and I bought regularly, since they came in so handy for a last-minute meal on a busy evening. We'd once tried making our own using the recipe in Mark Bittman, but it was a big hassle, and the result wasn't as tasty as the store-bought stuff. So we (or, more accurately, Brian) decided to give it a go with the potato flakes, and it turned out to be much quicker and easier, and produced better results, to boot. Since then, it's become a staple in our recipe collection.

That's not what this post is about, however. It's just an intro to explain how, once we'd discovered this use of instant mashed potatoes, Brian got to thinking about other recipes in our collection that we might be able to simplify through the use of these handy little flakes. And that's how he came to develop this recipe for easy malai kofta.

Malai kofta, for those not familiar with them, are Indian potato dumplings with bits of chopped veggies in them, served in a creamy tomato gravy. Brian already had a recipe for vegan malai kofta made with coconut milk and ground cashews in place of cream, but he didn't make it often because it took about an hour all told, with 30 minutes of hands-on work. The substitution of instant for fresh mashed potatoes simplified the recipe considerably and inspired him to tinker with it more. He adjusted the spices, tweaked the amounts of other ingredients, and started using grated rather than chopped carrot. He first substituted ground almonds (which we usually have in the pantry) for the ground cashews (which we usually don't), and eventually simplified the recipe still further by using almond flour.

Brian's simpler version of this dish cuts the prep time from about 30 minutes to 15 or 20. It still needs around half an hour of cooking time, so it's not ideal for a busy weeknight, but it's easily doable for a weekend. It's also tasty, with a rich creamy sauce that's full of flavor but not overpoweringly spicy, and makes a dinner for two with a couple of lunches to spare. And I consider it to be different enough from the original to count as a new recipe. 

So here it is:

    SIMPLIFIED MALAI KOFTA 

  1. Preheat oven to 450°F.
  2. Combine 1 1/2 cups water, 1/2 cup frozen peas, and 1/2 cup grated carrot in a pot. Bring to a boil and simmer about 10 minutes.
  3. While veggies are cooking, heat 1 tablespoon oil in a deep skillet. Add 1 teaspoon whole cumin seeds and cook until they begin to sizzle. Then add 1 cup finely chopped yellow onion, 1 teaspoon peeled and chopped ginger root, and a pinch of cayenne pepper. Cook 3-4 minutes, until onion starts to brown. Add 1 cup tomatoes (chopped, crushed, or pureed) and cook another 3-4 minutes.
  4. When veggies are done, stir in 1 cup potato flakes and mix until water is all absorbed. Transfer to a large mixing bowl to cool.
  5. Transfer tomato mixture to a blender or food processor and blend until smooth. Return to pan and stir in 2 tablespoons almond flour, 1 cup canned coconut milk, 1/4 teaspoon garam masala, 1/4 teaspoon turmeric, 1/4 teaspoon ground coriander (no more! Be careful!), 1/4 teaspoon cardamom, and 1 teaspoon salt (or more, to taste). Add enough water to make a nice gravy consistency, up to 1 cup, keeping in mind it will continue to thicken as it cooks. Stir well and let it bubble gently over low heat as you prepare the koftas. If it's too watery, add more almond flour.
  6. Add another 2 tablespoons almond flour to the potato mixture, along with 1/4 cup chickpea flour, 1/2 teaspoon salt, 1/3 teaspoon turmeric, 1/4 teaspoon ground cumin, and a pinch of black pepper. Stir to form a thick dough.
  7. Oil a metal baking sheet. Form dough into balls, about golf ball size, and place a few inches apart on the sheet. Bake at 450°F for 10-12 minutes until crisp on the bottom. Flip balls and bake another 10-12 minutes until crisp on all sides.
  8. Drop the baked dumplings into the heated gravy. Serve immediately with rice or your favorite Indian bread. (If you cook your rice in the pressure cooker, as we do, you can prepare it in the time it takes the kofta to bake.)
And that wraps up my first full year of vegan Recipes of the Month! I'll return with more in 2021.

Thursday, December 24, 2020

Money Crashers: Three unrelated articles

Money Crashers has popped up three of my articles in the past week, all on quite different topics.

Article #1 is the first in a series of pieces I'm doing on Medicare. Originally, my editor asked me for just one article providing an overview of this government program and the process of signing up, and as I got into it, I discovered just how ludicrously complicated it is. I mean, doing your taxes is hard, but at least there's software for that; for Medicare, all the government provides is a grotesque kludge of a website that has the information you need to navigate the system scattered across dozens of different pages with no coherent path through it.

So I ended up writing not one, but four articles that try to provide the kind of clear, comprehensive explanation the government so noticeably fails to provide. This is the first of the four: an outline of the ins and outs of the Medicare system. It explains who is eligible for Medicare, how the program is funded, what all the different parts of Medicare (Part A, Part B, Part D, Medicare Advantage, and Medigap) are for, and how to choose the coverage you need. In future articles, I'll tackle the topics of what Medicare costs, ways to reduce the cost, and how to enroll — a process that's far more complicated than you might expect.

What Is Medicare – How It Works & What It Covers

The second piece deals with a lighter topic: streaming video services. I originally wrote this piece years ago, but like many of my articles, it sat unpublished until this spring, when my editors discovered that it had suddenly become highly topical. So they told me to quickly bring the old piece up to date so they could get it up onto the site — and then, apparently, they forgot about it until this month, when I suddenly got notice that it had been published and I should check to make sure all the info in it was still correct. It wasn't, but I did yet another quick edit to bring it up to date once more, and the revised piece now offers a comparison of the top streaming services: what content and features they offer, what they cost, and what kind of viewer would get the most out of them.

Best Video Streaming Services of 2020 (On-Demand & Live)

Lastly, we have a piece on another topic that's become highly relevant during the pandemic: restaurant delivery. These days, ordering is the new dining out, but surprisingly, it's often more expensive than the old dining out — partly because of delivery and service fees, and partly because the takeout menu itself is sometimes priced higher than the dine-in one. In this piece, I outline ways to keep your takeout food budget under control, which fall into three main categories: placing a cheaper order, controlling delivery fees, and taking advantage of discounts wherever possible.

18 Ways to Save Money on Restaurant Food Delivery & Takeout

Sunday, December 20, 2020

Gardeners' Holidays 2020: The Changing of the Garden

This was a weird year for — well, everything, but particularly for our garden, one of the few things that shouldn't have been affected by the pandemic. As I noted on the last gardeners' holiday, it was a fabulous year for raspberries, and not too bad for peppers, winter squash, and tomatoes. (In fact, our tally of those has increased as we successfully ripened some indoors.) But other crops that have flourished in our garden in years past — basil, green beans, snap peas, lettuce — had disappointing yields, and a few were absolutely terrible. Through the whole season, we got only 6 ounces of arugula, one solitary zucchini, and not a single cherry or plum. And it's not even altogether clear what was to blame: the weather? The squirrels, who are reproducing faster with fewer cars on the road to prey on them? Does that mean the pandemic was indirectly responsible after all?

We can't say, but one thing we feel pretty confident is not at fault is the seeds we planted. Most of them were varieties we'd used before with reasonable success, and we have enough faith in them to stick with them for another year. There were a few new varieties that we tried this year, such as the Lancelot leeks and Opalka tomatoes, that weren't great performers, but given what a disappointing this year was for the garden generally, we feel they deserve another chance. Besides, it's not like we had any better candidates to replace them, since the Lincoln leeks we've grown in the past were equally feeble, and no paste tomato variety we've tried has exactly been an impressive producer. (Also, Brian was impressed with how firm-fleshed the Opalkas were, producing almost no juice when used in Pasta a la Caprese.) So we'll give them both one more try and hope that next year they get a better chance to show what they can do.

So, in the end, there was only one veggie variety in our 2020 garden we decided not to keep in 2021: the new Takara Shishito peppers. These were certainly productive, giving us a total of 26 fully ripe peppers and 16 green ones from just two plants, but there were a couple of problems with them. First, the individual peppers were quite small, and it's a lot more work to get the same volume of edible material from four little peppers than from two medium ones or one really big one. But an even bigger problem was their flavor. The Fedco catalog says of these, "Most will be mild — the occasional green pepper, around 10%, will be hot," but that was not our experience at all. Pretty much all of them were hot, making them only suitable for use in hot dishes. In fact, they were probably slightly hotter than the Caballero poblano chili peppers we also tried this year, edging close to jalapeno heat levels. Since they had limited utility, the bulk of the Takara Shishito peppers we harvested ended up going into the freezer, and we estimate that this preserved harvest should be enough to last us another two years. In short, there's clearly no good reason to grow more of them next year.

Thus, when we cracked open the Fedco catalog this year, we went straight to the pepper section to look for a replacement. We skipped over the entire page devoted to bell peppers, since (a) we've never had the slightest success with them in the past, and (b) they're a bigger risk than smaller frying peppers, since each plant produces fewer fruits. If a single fruit is damaged by disease, or insects, or whatever, you've just lost maybe 20 percent of your crop. We also skipped the tiny cheese and pimiento peppers, which are a bit too small to be terribly useful, and also not our favorites in terms of flavor.

So we went straight for the "Elongated picklers, fryers & roasters," and there we found two that looked particularly promising. Both of them, coincidentally, are named after fruits, which we took as a good sign, based on how much we like our Pineapple tomatoes. The first, Banana, takes 65 days to produce "yellow pointed 6" fruits that look hot but are not, turning orange and ripening red"; the second, Apple, takes 80 days to produce "shiny 4" fruits that are elongated...Irresistibly appealing even before the ripe fruity sweetness touches your tongue." While the Apple's boasts of "dependable and problem free" plants and award-winning flavor were tempting, we ultimately decided the Banana looked like a better bet simply because it takes less time to mature. Part of the problem with this year's garden, we suspected, was that everything took so long to ripen, and we had quite a lot of unripe fruit left on the vines at the end of the season. So we're hoping that by choosing a faster-growing pepper, we'll get to harvest more of them over the course of the summer.

Aside from that one new crop, we're planning to try a few other interventions in next year's garden to see if we can improve on this year's rather feeble harvest:

  • Reducing the number of Marketmore cucumber vines, which all died this year, and increasing the number of the hardier but less productive Cross-Country vines
  • Investing in some Bt spray to protect the zucchini from squash vine borers
  • Taking more aggressive action to protect the plum trees, including heavy pruning, regular spraying, deterring squirrels with Tree Tanglefoot on paper collars, and picking the fruit at first blush to ripen indoors. (We might be missing out on tree-ripened flavor, but that's better than never getting to taste the plums at all.)

But all that work is to come. All we have to do right now is order the seeds and supplies, then curl up under our blankets and wait for spring to come — while the garden itself, under its heavy blanket of snow, does the same. Here's to a better year in 2021, in the garden and everywhere else.

Friday, December 18, 2020

Money Crashers: Two gardening articles

Two more Money Crashers articles have been posted today, this time on the subject of gardening. The first outlines the benefits of five different types of gardens: in-ground, raised beds, container gardens, window boxes, and community gardens. It's designed to help people who feel they can't grow their own produce due to a lack of time, space, or money find ways around these problems.

5 Home Vegetable Garden Ideas & Types You Can Start on a Budget

And to go with that, here's a freshly updated version of my 2015 article on seed swaps:

How to Have a Seed Swap With Other Gardeners in Your Community

Hope these will help you as you look ahead to the 2021 gardening season.

Thursday, December 17, 2020

Money Crashers: Two health insurance articles

Money Crashers has popped up two of my articles in the past few days. Both deal with the topic of health insurance, but from very different angles.

The first article is a broad overview of the Medicaid program: how it works, who is helped by it, what its critics (on the left and right) have to say about it, how justified those criticisms are, and what could be done to make the program more sustainable in the future.

What Is Medicaid – How It Works, Criticisms & Future

The second piece is about private health insurance — which, for most of us, means workplace health plans. It walks you through the complex process of choosing the right plan for yourself and your family, from the general (how health insurance and health insurance marketplaces work) to the nitty-gritty details of comparing types of plans, costs, and coverage.

How to Choose the Best Health Insurance Plan for Your Family

Hope this information is helpful for you during this season of peace, joy, and open enrollment.

Sunday, December 13, 2020

Cheap tools for role-playing games: Pandemic edition

First of all, my apologies for not putting up a new post last week (aside from my usual updates about what I've written for Money Crashers). My excuse is that I had to spend most of the weekend at a conference for the Citizens' Climate Lobby — the organization I joined back in January that's working to get the Energy Innovation and Climate Dividend Act passed. I should add that, in a normal year, I probably wouldn't have gone to this conference at all, since it would have taken place in Washington, DC. Traveling and hanging out in a large crowd of strangers are two of the things I find most stressful, and I certainly wouldn't be willing to sacrifice an entire weekend (including part of Friday), not to mention the dollar cost of the tickets, all for the sake of learning a couple of things that I could just as easily read about online. But this year, on account of COVID, the conference was entirely online, so instead of losing the whole weekend, I lost only Saturday afternoon and most of Sunday afternoon. Plus there was no travel, no crowding, and no rushing around. In short, this conference, which would have been a huge hassle in person, was only a minor hassle in its online format.

I bring this up because it's such a rarity: an activity that was actually easier and more agreeable to take part in online. Sadly, the same cannot be said of any of our normal social activities. We were never really social butterflies, but we had our few regular gatherings: Morris dance practice on Thursdays, the occasional concert at the Troubadour, board game nights every couple of weeks, and of course, our two RPG (role-playing game) campaigns. When the Great Isolation began in March, all these forms of social activity became off-limits, and we've had to either do without altogether or make do with online substitutes that can't really measure up to the real thing.

Still, an inferior substitute is far better than no social activity at all, and so we've muddled through as best we could with what we had available. For instance, we had to set aside all those nifty and inexpensive minis Brian had designed for his Wildemount campaign — along with the Wildemount campaign itself, since the local game store we'd gone out of our way to order the book from shut down when the quarantine started. (It seems to be open again now, but our order apparently got lost in the shuffle, as they never called to notify us about it.) So instead, we ordered a copy of the Eberron campaign guide from big old, mean old, corporate old Barnes & Noble, and Brian began running a new, socially distanced Ebberon campaign.

To make this work, we needed a couple of different technological tools. First, we needed a way to see and hear each other online. We started out using Discord for this purpose, but it proved to be kind of buggy. For many of us, video didn't work at all; the computer would just freeze whenever we tried it, so we ended up with audio only, which wasn't a very satisfying substitute for a social gathering. Eventually, we switched over to Zoom, the new standard for all forms of human interaction, and that worked better — not perfectly, but adequately most of the time. Its biggest downside is that the free version of it kicks you out of your meeting after 40 minutes, but since our group has one corporate user and one academic user who can set up meetings of indefinite length, we got around that problem easily.

Finding a way to visualize battle scenes proved a bit harder. Our first approach was to try out a Google Jamboard, which Brian and I had tried in our other campaign. This is basically just a big online notepad where members of a group can insert text and images. Brian would use the pen feature to hand-draw a map, and we'd use two sets of sticky notes to represent our characters: one to show the initiative order, and one to show our actual locations on the map relative to the monsters and each other. As you can see from the screenshot below, this could get a bit confusing.

We considered moving to a more sophisticated "virtual tabletop" designed specifically for online gaming, such as Fantasy Grounds and Roll20, which would have made it easier to incorporate maps, monsters, and other artwork from the official Dungeons & Dragons sourcebooks. These systems also include other handy features for gaming, such as storing the game rules and character sheets right in the app and doing the math for you automatically whenever you roll dice to swing a sword or sling a spell. But they had two problems: first, they were fairly resource-intensive pieces of software, and given theamount of trouble we'd had using just the Jamboard and Discord at the same time, we feared they would tax our systems too heavily. And second, both of them (at least at the time) charged a monthly subscription fee, which every member of our party would need to pay in order to use it. Given the relative infrequency with which we actually managed to get everyone together for a game session, we didn't think it would be worth the cost. (Since then, both systems have changed their pricing model; Fantasy Grounds gives a choice of a one-time fee or a subscription, and Roll20 lets you sign up for free and instead charges a one-time fee for each game sourcebook you add content from.)

But then I discovered Foundry VTT (for Virtual Table Top). I think it was the Dungeons & Dragons group on Reddit that turned me on to it, but regardless, it was a literal game changer.

For one thing, this system offered maps not merely as good as, but actually better than the fancy, three-dimensional Dwarven Forge battle maps that we routinely salivate over when watching Critical Role. Better how, you ask? Simple: these maps can not only show the terrain in detail, but can show each individual player a different view of it, reflecting exactly what their character would be able to see from their current position. If your view of something is blocked by a wall, you don't have to ask the dungeon master, "Can I see that from where I am?"; you just look at the map, and what you see is what you get. If your character has darkvision, they can see in the dark while other characters are blind; if your character is flying, the software keeps track of how their perspective would change based on how high up they are. Light sources within a room and even background noises, such as a crackling fire or the roar of a tavern crowd, fade in and out as you pass through.

And that's only the beginning of what Foundry VTT can do. It can automatically measure the radius of a spell for you, so you don't have to get out a ruler to see who would and wouldn't be hit by your fireball. It can automatically do the math when you make a roll to hit, to damage, or to use an ability. It can keep track of your character's hit points and spell slots, so you don't have to mark them separately on paper — and it can do the same with the monsters you're fighting. It can track initiative order, so you always know whose turn it is. It can import maps you've drawn in another program, or provide you with tools to create them within the app. It can even provide audio and video connections within the app, so you don't need to keep a separate Zoom window open (though we haven't tried this feature yet for fear it would overtax our systems).

OK, you may be asking, but can't Roll20 and Fantasy Grounds do all this too? Well, yes, they can certainly do at least most of it. What really made Foundry VTT superior for us was its pricing model. Because to use it, you need only one copy of the software, owned by only one person in the group. That person then turns the computer that has the software into their own private server, and everyone else can log in from there. So for a one-time expense of 50 bucks, you can use this software with anyone you want, basically forever.

Now, there may be a few features that aren't quite as easy to use in Foundry VTT as they are in Roll20 or Fantasy Grounds. For instance, you can use Foundry VTT with any game system, but the flip side of this is that it doesn't contain a lot of pre-loaded content — maps, characters, rules, monsters — for any one system, such as D&D. There's a small library of pre-loaded monsters and maps available, but if you want to use anything fancier, you have to key it in yourself. But this honestly isn't that hard to do. You can also import your maps from anywhere you like and adjust them to fit a standard grid, after which you can add walls, light sources, or whatever other features you want your terrain to have. So while you don't have as much ready-made stuff to use, you can also add your own stuff in basically any form you like. (Brian has added some maps copied from the sourcebooks, made some — like the airship below — himself, and borrowed some from other players who made them available online.)

Which brings us to this additional technological tool we've been thinking about adding to our lineup: Game Master Engine. I learned about this one from Reddit as well, in a post by its creator on the D&D subreddit. It's a tool for creating 3-D maps of indoor and outdoor terrain, which you can then export as PNG files to any virtual tabletop you use — including Foundry VTT. And when I say maps, I mean really elaborate, beautiful maps with tons of options. You can not only choose all sorts of terrain, you can add animated features like misty waterfalls, crackling campfires, and wind-stirred trees. You can import character and monster minis. You can change the time of day, the weather, and the colors. And that's just in the basic version of the software, which — did I mention? — is completely free.

The only catch, as far as I can tell, is that it only works on Windows machines. But Brian happens to have one of those, so we really have nothing to lose by testing it out. Other Redditors who have tried it say it is just as easy to work with as the video makes it look, but if it turns out not to be all that handy for us, oh well, it didn't cost us anything. And if we try it and find it's very handy, we can shell out a mere 15 bucks extra to upgrade to the "pro" version, which has a bunch of additional assets.

In fact, our new online maps are so handy and full-featured, we might even want to continue using them once (if the gods be pleased) we can actually sit down around a real gaming table again. Admittedly, this would be tricky; first we'd have to find a way to put a screen on the table where everyone, including the dungeon master, could see it, and then we'd have to figure out how to switch back and forth between characters to get the different perspectives on the scene. (We could do it by each logging in separately and looking at our own screens, but sitting around a table with our faces buried in separate screens would kind of take out most of the social element of the game.) It certainly wouldn't be as easy as moving around paper minis on our picture-frame battle map.

But if we can find a way to make it work, it would be one more example of something that actually got better as a result of our time in isolation. And goodness knows we could use more of those.

Wednesday, December 9, 2020

Money Crashers: More holiday articles

It looks like we can add the winter holidays to the list of events this year that are going to be, if not ruined, at least dramatically altered by the pandemic. So far, our Passover Seder, our May Day morning gathering, and our entire weekend of Thanksgiving festivities have all become Zoom meetings, and now Hanukkah and Christmas are going to be the same.

Since most people around the country are now in this same boat, I was a little wary when my editor at Money Crashers suggested an update of my five-year-old article on holiday entertaining. I pointed out that it probably wouldn't get much traffic this year, since not that many people are going to be inclined to throw holiday parties (and those who are probably shouldn't be encouraged). I proposed delaying that update for next year and, instead, doing a new article on ways to celebrate the holidays with family and friends during a pandemic.

This is that article. It offers a total of 25 suggestions on COVID-safe celebrations, grouped into three main categories: activities you can enjoy with just the immediate family, things to do outdoors, and ways to connect virtually. Across these three categories, I manage to suggest alternatives for nearly every part of a typical Christmas season, from visiting Santa at the mall to going caroling to opening stockings on Christmas morning. (We're planning to do virtual stockings with the family ourselves, and I'm cherishing a secret hope that the family will like it enough to suggest we go with smaller presents in future years as well.)

25 Fun & Frugal Family Activities to Safely Celebrate Christmas With Kids 

To go with this new article, I've also got freshly updated versions of three of my existing articles on holiday gift shopping:

23 Best Christmas Gift Ideas for Your Boyfriend (on Every Budget)

21 Best Christmas Gift Ideas for Your Girlfriend (on Every Budget)

31 Best Gift Ideas for Foodies (on Every Budget)

Hope these tips help you to enjoy the holidays with your family and friends as completely as social distancing allows.

Sunday, December 6, 2020

Money Crashers: 10 Ways to Shop for a Cause and Give Back This Holiday Season

Gift shopping and charitable giving are two things I normally like to keep separate. I know many people think "a donation to charity in your name" is a good present, and maybe for the right person it could be, but to me, a gift to a worthy cause is not at all the same thing as a gift to an individual, chosen specially for that individual. If someone gives me a "gift" of a donation in my name, I always feel like, "Well, that was very nice of you, but it isn't really a gift for me, was it? It's a gift to the charity, and possibly a gift to you because it makes you feel good about yourself, but if what I really wanted most was to see this charity receive money, I'd give it myself."

However, there are ways to support a charity and give a gift at the same time, without compromising either. By knowing where and how to shop, you can direct a portion of your gift-giving dollars to a worthy cause — so both the cause and the recipient get something that will make them happy.

My latest Money Crashers article (an update of a piece by a former writer) outlines several ways to do this, including:

  • Charity portals such as iGive and Amazon Smile
  • Various types of vendors that support charitable causes
  • Getting free or cheap items for donation through extreme couponing
  • Specific products that come with a charitable donation
  • Charitable credit cards
  • Rounding up for charity at the register

And it concludes with some tips on how to make charity begin at home, or at least close to it, by using your shopping dollars to support local businesses, many of which are struggling during the pandemic. 

Brian and I have already put this advice to use for our own holiday shopping. Since Hanukkah and Christmas are both going to have to take place at a distance this year, we've been looking for small gifts we can ship easily — and we've already picked up several from either local businesses and several more from online vendors that donate an item to charity for every one you buy. We can't get more specific, since some of the people receiving these gifts are readers of this blog, but we think the recipients will be happy with the merchandise. And we'll feel good knowing they were gifts that gave twice — gifts that could please the people in our lives and help total strangers at the same time.

10 Ways to Shop for a Cause and Give Back This Holiday Season