Category Archives: Economics

America’s Values Are Competing With Our Desires

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Years back, I was wandering down Powell Street in San Francisco. If you’re not aware of the nuances of San Francisco, Powell Street serves as the Bart connection for most people in the corridor between downtown and the financial district. When the homeless situation started to get out of control in the city, you would expect this corridor would also serve as their hangout as well.

I remember a couple of suits walking down the street when one of the homeless confronted them, asking for money. One of the men seemed flabbergasted that one of the city’s homeless had addressed him and turned to his friend for encouragement after he cursed at the homeless guy. His friend turned back to him and said, not even waiting to take a breath: “When did people become so callous towards other people?”

I’ve often remembered that conversation because I think it was the last time that I heard someone actually evoke concern for those living on the street. Oh, sure, I’ve heard aid organizations talk about needing to help the homeless, but that was the last time I heard it said out loud by someone on the street. Nowadays, if someone tends to see a homeless person, or any person in need, I see them avoid that person, even to the point of crossing the street, if that will help avoid that encounter.

Yesterday, in the New York Times, there was an article about how the heat wave has been affecting Texas. I figured it was probably getting hot in a number of states, but they also reported that 10 people had died in Texas the other day, all because they didn’t have access to air conditioners. I seriously thought about driving to Lowe’s and buy ten air conditioners and drive them to Laredo, TX, the place where the 10 had died. And then I read more. Some of them had air conditoners but were scared to turn them on because of the prohibitive cost. The others just couldn’t afford air conditioners and roasted in their homes with air fans on, not realizing that it just wouldn’t be enough.

But here’s what caused me to want to write this article: Tano Tijerina, the county judge for Webb County (where Laredo exists) said about handing out air conditioners to citizens: “If you’re going to start giving out air conditioners, where do you stop?” he said. “We are an aid, we will help, we’ll assist.” But he added, “we’re talking about people’s tax dollars here.”

And that’s the problem right there. It’s a problem that has been growing for about as long as the United States has been a country.

You see, before the U.S. came along, most countries were monarchies or empires, and it was through their benevolence that they bestowed charity upon those they ruled over. When we came along, we promised to be a rule of the people, for the people and by the people. If you unpack that, what we promised was that our government would be ruled by the people and that those people would take care of the rest of the people.

But notice, that promise didn’t come from the original founding fathers, even if they might have meant it. Those words didn’t come into a hundred years after our nation was formed, from a speech given by Abraham Lincoln, detailing a new America after the Civil War. While his intention may have been that no people should be enslaving other people, he also meant that people with means should look after those who have needs.

And for many years, the country has moved in that general direction, but throughout all of those times, there has always been a group of people with resources who have tried to stand in the way of helping anyone who has needed assistance. Years back, they argued that people should lift themselves up by their bootstraps, even though those of means rarely ever had to lift any bootstraps; they were lifted long ago by families that were rich that allowed them to inherit immense wealth.

Throughout our history, whenever those in power have tried to give a lift to those in need, there has been that swift boot of injustice that tries to intercede and stop it from happening. During the Depression, when many were destitute, there were those who had wealth that did everything to stop FDR from enacting programs to help those in need. They used the Supreme Court to stop every move FDR made. And then FDR threatened to pack the Supreme Court, which caused the very rich to realize that all of the gains they had achieved from a favorable Supreme Court might end, so the Supreme Court allowed FDR’s reforms to go through.

So, why am I talking about something nearly a century ago? Because those people never went away. Oh, sure, they’re different people, but they are acting in the same ways their fathers and grandfathers did. That county judge shows us that those people are still around.

What’s important to think about is what do we consider to be important to the American system of values? On one hand, we have those people who honestly believe that profit is more important than the well-being of our fellow citizens. We’ve been fighting this battle as long as most of us have been alive. It’s so convoluted that at times those with wealth have figured out ways to pitch the fights between groups of people without anything, so that the majority of the attention is spent on irrelevant fights while those with everything laugh while they’re counting their money.

As long as citizens of the United States care more for money than they do their fellow citizens, the point of the United States is irrelevant. We could be any location on the planet and it wouldn’t mean a single thing. People sailed to this country in hopes of starting a new and wondrous life. They didn’t do it because there was new land across the ocean. They risked their lives for something greater than that.

And for centuries, that’s just what we offered them. Now, not so much.

And that concerns me.

What’s most annoying about the Equifax Data Breach

By  now (September 8, 2017), most people have heard that there was a data breach at Equifax that has made over 143 million Americans vulnerable (about half of the entire country). Read more about it here.

Equifax hasn’t done itself any favors since the breach. First, it waited a month to let anyone know that their security was compromised. Second, 3 of its executives decided to cash out stock in the company a few days after discovering the breach. And third, in order to sign up for the “free” protection services, you have to agree to their Terms of Service, which basically say that you agree to arbitration and lose the right to participate in any class action lawsuit. None of those revelations sound good for the company.

But what makes this breach most annoying to the average American is that there was no way we could have avoided being involved. Most of us don’t do business with Equifax. We don’t open accounts with them. They open accounts ON us. We are their product, and we don’t have a choice in the matter.

Yet, we’re the ones affected. We’re the ones who will be cheated out of our money and thrown into the poorhouse if this runs the course it most likely will run. Equifax will protect Equifax long before it protects any of us. It’s entire model is not built on protecting consumers, but in reporting on consumers to big companies that give them business.

This is a lot like Facebook, even though you may not realize it. Facebook’s product is us, not its web site. Without us, Facebook has no business. Equifax is exactly the same way. The big difference is: Most of us choose to be on Facebook to take advantage of its use of us. So very few of us EVER chose to do business with Equifax, aside from the few people who wanted to monitor their credit before this all happened.

So, let this be another example to you that there are those companies out there who see YOU as a their product and aren’t willing to give you a single cent in order to exploit you. Feel good about that because it’s only going to get worse. Nuff said.

The Fear of Pissing Off Your Audience While Trying to Get One in the First Place

The cover of my new book. Someone told me it looks like something they may have read, but I’m not seeing it.

One of the problems of being political or taking a political stance is that chances are pretty good that you’re going to end up pissing off someone when you didn’t intend to do just that. As a writer, my goal is always to entertain as many people as possible, so whenever I deal with political issues, I get scared that whatever I’m going to say is bound to cause an audience member to dislike me. And these days, when someone dislikes you, that person tends to stop following and you never hear from that person again.

Therefore, it becomes a dilemma.

Because if one focuses on this type of fear then a writer is bound to water down whatever he or she has to say and only say the things that he or she hopes the audience is interested in hearing. And I can only imagine how bland and boring that might turn out to be.

The other day, I posted a tongue in cheek comment about something, and one of my politically correct “friends” corrected me and told me that I had to be careful, because saying such things can be construed to be wrong. I didn’t respond, but part of me was thinking: “Hey, I said what I said because it was something I wanted to say. If it bothers you, just ignore it or go frack yourself.” I didn’t say that because I’m a complete coward, but it did cause me to think.

And then the next week, that same person posted something that was completely one-sided, told in a tone that she knew best and anyone else who disagreed was obviously stupid. Basically, she did exactly what she told me not to do and then didn’t think anything of it. I then started to notice she does that all of the time.

Some people are like that. They are good at criticizing, but not so good at avoiding the behavior they criticize in the first place.

But then, she’s not a writer worried about people not continuing to read what she writes, and I am. So, there’s the dilemma.

Which kind of brings me to wondering how it is possible for polemic people to write the types of articles they do, knowing that people are going to be annoyed at what they write. I’m thinking about people like Ann Coulter, Michael Moore, and Tomi Lahren. The first two have completely established audiences that they’re probably never going to lose, but like the latter one, it leaves me wondering what kinds of risks is someone like Lahren willing to make in order to remain somewhat relevant in a very hostile media atmosphere. And part of me is also constantly wondering if part of the appeal is physical attractiveness as well, because if there wasn’t that, I kind of wonder at how many followers someone like her would have if the audience isn’t already cemented.

Social media seems to be one of those weird animals in that some people just come to it naturally and do really well right out the gate, whereas others, like me, take to it slowly and never really seem to reach the audiences they dream of achieving. It’s like the market for writing novel e-books. I’ve been writing for decades, and the readers I have tend to be the same readers who found me some years back. Others, I’ve seen them publish their first book and suddenly they’re selling them faster than Amazon can print them. Okay, Amazon doesn’t exactly print them, but you get the idea. I hope.

Some people just do really well with little effort while others succeed without trying. I’m starting to believe that that is how social media works for some people as well. While some people have the added benefit of being attractive to, well, attract others, those of us like me, toad-like in appearance, pretty much have to fight for each stride of existence. Okay, not toad-like, but I will admit that when my picture is put next to Brad Pitt’s, people tend not to stop and think: “Wow, I can’t tell them apart.” Definitely not. Brad’s got nothing on me!

Anyway, so the point is that getting an audience can be pretty tough and then once you do, it’s like walking on egg shells to make sure that you don’t lose any of your listeners. People can be pretty fickle about such things, and once you’ve lost a member of your audience, you tend to never get that person back.

So, if this bothers anyone who happens to be reading this, understand that it was someone else who said it, not me. I would never say anything to piss you off. Really. I’m just that kind of guy.

Please don’t go!

Customer service is becoming an artifact of a time that has long since passed

The other night I was watching Game of Thrones on HBO Now through my Apple TV (yes, how many products can I mention in one sentence?). Up until now, Apple TV and HBO Now has been a great service where I’ve really enjoyed the shows and the quality used to bring them to me. However, on this evening (and the following week), I discovered that the sound for Game of Thrones is horrible, to the point where I couldn’t hear the dialogue at all. I ended up turning up the sound on my television to practically maximum and still couldn’t hear what anyone was saying. When the show ended, the sound kicked back in and nearly blew out the speakers in my TV. Both weeks, I’ve been unable to hear the sound on this one show. I can hear it fine on every other show, both on and off the HBO Now service.

So, I sent an email to the customer support people at HBO Now and received one of those “we thank you for contacting us but we’ll have a real person get back to you later” responses. A day later, I received the most generic response ever, indicating that NO ONE read the email, but it was filtered through some program that must have caught the word “sound” or “volume” and then told me to go through the FAQ they have about how to handle problems with adjusting the volume with an Apple TV. Really? In other words, no human is EVER going to deal with the issue. In other words, having a customer support system is a joke and an insult to anyone who may ever feel the need to use it.

If this was just a one-off situation, I’d just chalk it up to that sort of thing. But no, I’m starting to run across this ALL THE TIME. An example: Electronic Arts, the company that is constantly competing with Comcast for the worst customer service on the planet. Some years back, back when the Internet was young, I used to play Star Wars: The Old Republic. And then I quit. A couple of years later, I decided to play it again. Except there was a problem. Let me explain.

When I first played Star Wars: The Old Republic (SWTOR), it was owned by Electronic Arts, but it was billed by its subsidiary company Origin. Sometime during that period when I was no longer playing the game, someone breached Electronic Arts’s servers and stole a bunch of accounts. One of them was mine (inactive at the time because I wasn’t playing any games that Electronic Arts owned). Someone tried to buy FIFA (some soccer game) on my stolen account, but was thwarted by the fact that my credit card had expired a year or so before the transaction was attempted. By the way, EA somehow has translated that to believing its crack crew of cyber security experts had “stopped” the transaction and did a great service to me. Keep in mind, the only “stop” that was conducted was my bank saying, no, that credit card hasn’t been valid for a long time now. Anyway, to make a long story short, EA incorporated Origin into its service as its process of charging everyone for everything, so when I went to reactivate my account for SWTOR, EA refused to let me put any credit card information onto the account because my credit information was now “flagged”, which really translates to “we tried to let a thief fraudulently charge a game to your account and the transaction failed, so we now have to flag your account as one we can never allow you to make charges on again, even though our customer service people have given back access this account to you, no longer the thieves.” All attempts to “fix” this account have failed, as I have escalated the issue to the top echelons of EA, and each time it gets rejected based on…well, no one really knows why. It just keeps getting rejected. And then I get a really friendly email from EA stating: “So, is there anything else we can help with at this time?” I guess just rejecting me isn’t enough. They want to rub salt in the wound, too. For the record, the people at SWTOR have been very kind, but have resigned to the fact that if EA can’t fix it on their end, the issue is out of the hands and incapable of being fixed. Sure, I could start up a new account, but I have a ton of maxed characters on this account and a lot of game money in their banks, or possession. Starting over is not something I desire to do, so I’ve pretty much just stopped playing the game. I could play by buying a monthly game card (for game time), but that means I have to pay the maximum price to play the game each month, which is a direct insult to someone who was a member of the game when it first launched.

Strangely enough, gaming companies do this sort of thing a lot. Sony is a good example of this. I had an Everquest account back in the day, but when I stopped playing, somehow my account then became “flagged”. I can’t get my account back now. It’s like I was doing horrible things in the game and am now banned. But I’m not the sort of player who does any of those kinds of things, but as usual, I can’t even get them to tell me why the account was banned, meaning it was probably compromised during the time I was gone, or it was breached during one of those early periods when entire batches of accounts were breached at once by overseas hackers and rather than deal with each case one by one, they just banned everyone as a consequence.

The point is: Customer service is almost nonexistent these days. Because of automation and outsourcing, we now have a situation where if you ever need customer service for a game or product, chances are pretty good that you’re going to end up very dissatisfied. There are some good companies still out there, but they are becoming rarities, and one thing I’m starting to recognize is that when someone recommends a company to me for good service, it’s usually because they had good service from that company YEARS ago and probably haven’t had a recent situation they’ve had to deal with concerning that company. I’ve had a few encounters like that recently where I went with a company because of past, good experiences, only to discover that they’re currently a crapfest when it comes to dealing with customers.

Just saying.

Why white privilege is the wrong battle to be waged in seeking equality and justice

There’s been a lot of talk lately involving the concept of “white privilege” and how quite often a Caucasian will misunderstand his or her benefits of being white while trying to appear just towards those who do not maintain the same generic status. Some examples are the #alllivesmatter versus #blacklivesmatter, which is often used as an erroneous argument of “I care about everyone, not just a particular race.” And then from there a whole diatribe is usually leveled on the idea that anyone who is born white exists in a world of privilege that others can never reach.

Some of it is correct, but in reality, people with diabolical purposes are using these arguments to create a false dichotomy, something I often equate to a framing issue rather than a normative one. Let me explain.

The argument is that someone born white has certain advantages that are not afforded to someone who was not. Examples include: Cops tend to shoot non-whites more than whites; whites are less likely to be convicted of crimes than are non-whites, a white male with a prison record is more likely to get a job than a non-white person with a prison record, etc. Many of these can be summed up in this comic about white privilege. What people don’t seem to understand when they post these kinds of arguments linking to this type of information is that it doesn’t mean what they think it means.

word means When someone makes that argument about white privilege, it is followed by an insinuation that those are actually benefits, rather than lucky brushes against much worse circumstances. The fact that I’m a white male should not then be met with “well, aren’t you lucky that you don’t get railroaded by the system by cops who might hate you.” It should be met with “cops shouldn’t be railroading anyone anywhere”. It’s like we’re already on top of a slippery slope that is continuing to force us back to unwanted situations rather than we should all be on a flat surface trying to make sure that no one creates the slippery slope in the first place.

This is why #alllivesmatter is not an adequate substitute for #blacklivesmatter. Sure, all lives matter, but all lives are not being targeted. Black lives are. Therefore, a movement to make sure that doesn’t happen became necessary. #Alllivesmatter creates an “issue” that doesn’t actually exist so that if that takes the other’s place, we’re left with the situation we stared with: People doing nothing because it doesn’t affect them.

So, what’s my point? Stop focusing on white privilege because that is not the problem. The problem is the opposite: Minority Disadvantage. THAT is the issue that should be dealt with rather than trying to create a wedge between those being oppressed and those who might actually care that there are people being oppressed. This is why Occupy Wall Street was such a powerful voice that quickly got squelched by those who feared its power. The real oppressors are the ones who actually do have the power, the one percenters who control manufacturing, media and even the police forces. Without turning this into some outdated communist manifesto, the problem is that the people who need to band together aren’t because the people creating the messages for them to follow have done so in a way that only creates an us versus them dynamic but in a way that never actually addresses what needs to be addressed.

So, how do you find answers in a civilization that is so blinded to its actual problems? Well, we could do what my grade school teachers always said: Start at the beginning. How did it happen? If we trace the time back hundreds of years, it’s not hard to figure out that the government we live under was created by rich people who wanted to continue being rich (meaning others would have to be poor). This isn’t the social model people constantly think we’re living under because that social model would actually look at the group of people around us as equal and in need of the same benefits as everyone else. We don’t live in that society. Sure, we pretend to, but when it comes down to it, a person who has little is going to always have little to none, whereas someone with much is probably going to end up with even more. That’s the civilization we live in.

How do you recognize that if you’re currently living within its infrastructure? I can conduct a simple experiment just by walking into a bar and talking to the first woman I see. In the US, the chances are that the conversation will hover on what my job is (and how much I make) before it turns into anything more interesting. I’ve had this same conversation in many other nations, and strangely enough, it was usually me that thought I had to bring up money as apart of what makes me be me. It took years to realize that the further away I moved from centralized capitalism, the less focus there was on income as what someone is worth.

So back to my original question. What steps should we take to lead to a future of equality and justice?

I hate to go all Socratic, but if you want justice what steps are you taking to actually achieve it? Do you hold conversations with people who aren’t like you? Do you comment when someone says things that lead to injustice and inequality? I’ve listened to conversations in mixed demographics where some people have said some awful things about people not present in the conversation. What I find interesting is how many people don’t say a thing, or even worse, escalate the conversation to even worse levels. Speaking up in these circumstances is difficult, and I’ve felt the tug almost every time I have done so. But what bothers me is how often those moments go unremarked, almost as if they’re okay.

The same thing is happening today in our political atmosphere. We have some politicians saying some awful things, and so few people are even casting a light on these moments other than to treat it as a news cycle rather than say: “Hey, by the way, there’s an awful racist running for office. Here’s what he said.” And even in the few circumstances where this has happened, the people listening are responding with the thought process of “yeah, but he’s better than those other guys.” If our canary in the mine is at this level, we’re going to be breathing some pretty toxic fumes sooner rather than later.

So, what’s the answer? Right now, I don’t perceive one because I think we’ve moved so far down this road that we’re not going to turn around. Sure, a nation can adjust, as many have before (I mean, face it, we aren’t ruled by divine kings any more, so eventually we can make huge changes), but I don’t see our current civilization all that anxious to try to make things better for everyone because until someone is scrounging for scraps in the gutter, people aren’t all that focused on change. And when you reach the gutter, people stop listening to you and wait for you to die. So, rational change isn’t to be expected.

Irrational change, however, is a different story. That’s the sort of punctuated equilibrium that no one ever sees coming. Unfortunately, we’re coming closer and closer to having that as our process of change, only because most other methods have fallen on deaf ears or were dismissed by people who are pretty happy with the limited value of the status quo.

But what do I know? If I was truly wise, I’d be a rich entrepreneur and well rewarded in the society in which I live. There’s a joke in there somewhere, if you look hard enough.

The Problem of Dealing With Race By Invoking Historical Ancestors

Race seems to be a big issue these days. I guess that’s a good thing. It means people are thinking about the concept and discussing it with others. At least that’s my hope. In some cases this is massively necessary because it helps deal with oversights that have been going on way too long. In other cases, not so much. What I see is that in those types of cases racism as a concept is used as a process to silence others or to beat people over the head in an attempt to collapse all disagreements under the blanket of racism, even if the individual artifacts we’re discussing may have had little to do with racism (which is why blanket criticism is used).

But this post isn’t really about that. Like I said, I’m glad people are addressing racism. There’s just way too much of it present in this day and age, even though a lot of closeted racists would really like to put forth the idea that racism is gone (so they can stop being rightly accused of being racists, or at least apologists for the same). What this post is really about is one of those commentaries that shows up in these discussions, and quite often this commentary comes in groups of people who don’t actually deal with racism in any way.

I know that sounds confusing, but let me explain. People who address and call out racism are quite often those who are directly affected by it. Racism directed toward race is more often addressed by African-Americans in U.S. society because let’s be honest: African-Americans are far more the targets of racism here than most other demographics. Sure, any minority race and/or ethnicity is a potential target for racists, so I don’t want to make an argument that assumes otherwise. But overall, African-Americans are going to have a better chance of perceiving racism more than a Caucasian because racists are pretty one-sided when it comes to this dichotomy. Sure, an African-American can be a racist, but part of what makes racism as powerful a weapon as it is is because it also has a mechanism of power to be used against the victim. A group of African-American racists standing around the streets of Wall Street aren’t going to chase a non-African-American away from Wall Street because the background of Wall Street doesn’t support such an attempt to alienate the victim, but a group of Caucasians targeting a non-Caucasian on a street of Wall Street might cause someone from that targeted demographic to think that Wall Street isn’t a safe place to hang around. The point is: Racism involves power, but it also requires power in order to be effective.

As an academic, I find myself around a lot of people who quite often invoke specific arguments whenever it comes to the idea of racism. I’m also a moderator on a very active current events message board, so I see all sorts of commentary that comes from that origin as well. And what I’ve come to observe is something I don’t believe a lot of people realize seems to be happening around them. And specifically, this sort of racism that is happening today is also very localized in its temporal vicinity (the time it inhabits right now). As a result, people today who are frightened of being perceived as race-challenged (or “racists” for lack of a better term) will do everything possible to avoid being cast as villains in this dynamic. As such, it’s not surprising to hear someone say something along the lines of “I’m not a racist because I have a friend who is black.” Okay, that one is kind of obvious because we’ve all heard that one and know how it’s almost become a punchline to a joke no one wants to admit making.

No, part of the problem stems from an argument that orchestrates how a lot of people who are a part of the problem that they don’t even acknowledge exists. We all know the argument, even though we don’t think much about it because we discard it because of its simplistic nature when we should have thought about and realized why it makes things worse rather than explain things away. You know you’ve heard this argument whenever you hear someone say “Well, my ancestors are from Europe, so I wasn’t responsible.” It’s one of those arguments made in hopes of closing off conversation (and hoping the topic changes as well). But think about it. If someone’s ancestors were from South Carolina, does that make that particular individual responsible for racism that happened 150 years ago and several generations ago as well? Probably not. But that’s only if you feel that responsibility ends with theoretical people who may or may not have been personally involved. Are people complaining about stuff that happened in the 1860s? I don’t think they are. We all know that horrible things happened back then, and we all pretty much agree today that if we could change things, we would make sure they didn’t happen again. Or would we?

And that’s where that argument that gets made loses its traction. There are problems happening today, and rather than deal with them today, we have people saying they shouldn’t have to be responsible because they weren’t around 150 years ago. But again, the problems exist today. What are any of us doing to change things here and now? I would argue “not a lot” because if we were all doing something to make things better, my belief is that things would be better.

Instead, we have ghettos, slums, income disparities, fenced off housing, more cops than educators, hostility towards certain populations, massive corruption in places that should be making a difference, and finger-pointing rather than any desire for accountability. An example is the City of Detroit. It practically collapsed due to white flight and inner city corruption. Instead of solutions that work to fix these problems, we end up with right versus left rhetoric, race baiting and people who support corrupt leaders because to not do so means giving ground to racist rhetoric. In other words, NO ONE is seeking to fix the problems, and the few who are seem to basically be drowned out by the people who find more importance in criticism and looking for scapegoats.

So, what’s the solution? Well, let’s stop caring about what the color of someone’s skin is and start looking at how we can make the neighborhoods of people prosperous and worth living in. That means also changing our criminal codes so that “crimes” that don’t hurt people stop being crimes. If “drugs” are seen as a problem, convict people to treatment programs rather than criminal institutions. Some aren’t going to be fixed the first time, but a responsible civilization doesn’t give up after the first time. It keeps trying until it works.

We also need to change our financial circumstances to benefit all. Yeah, a lot of very rich people are going to hate that. But having a few pissed off people and a civilization filled with thriving individuals seems like a good trade off. This A. Rand society of doing well and screwing over everyone else needs to end.

We need to stop going to war because some group of people don’t think like we do. Different thinking people should be interesting, not enemies. The reaction is that we need to do this because there are people out there trying to kill us. They’re trying to kill us because we always go to war against people who don’t think like we do. That tends to lead to diminishing returns. Change the thinking; change the outcomes. It can be pretty simple. Of course, the naysayers will say no because they only know the institution that we are currently in and like the frog in a well who sees only the circle of light in the sky, we’re never going to see constellations in the paths of other wells if we never get out of the well we’re currently stuck in. Just saying.

Or we can keep doing the things we’re doing and hope that somehow things get better. But they won’t. So good luck with that. I’ve given up trying, so I’ll be playing video games while the world crumbles around me. At least I can accomplish something with a high score. They don’t give Nobel Peace prizes for that, but I guess that’s just cause I don’t own an army that kills a lot of people. Yet.

Getting pulled in by Amway’s Pyramid Scheme Crap

wealth povertyRecently, there’s been a lot of talk about Amway (headquartered in Ada, Michigan) because it was ridiculed on the very popular Netflix show House of Cards. As a result, Amway has responded, as well as Dick DeVos (the son of one of the co-founders of Amway). Basically, what it boils down to is that the company claims it is being misrepresented and everyone who has ever dealt with the company (judging from the comments on each one of these stories) feels the representation is more than deserved and probably overdue as well.

So, obviously, you’re probably wondering what Duane thinks about this whole thing. And fortunately, I have not only an opinion, but a story that sounds a lot like many of the stories that people have been telling in the comments section of each of those stories. You see, Amway has become a really powerful company that basically sets the tone for most of the discussions over this issue. The little people, like us, rarely get a word in because we don’t have the money to pay for media access like the people who run the pyramid schemes in the first place.

So, let’s go back some years ago when I was working as a low level executive for a major hotel chain. I was in their security department and out of the blue I received a phone call from someone who acted on the phone like he was a really good friend of mine. At the time, I had a lot of business associates who I kind of knew, so I was polite, and he then talked about a business opportunity that might benefit me in the future. As I was somewhat looking for a new job at this time (and most likely that was how the guy found me), I responded positively and ended up meeting this guy and his wife at another hotel in the city where some meeting was taking place. As I’m sure you suspect, that meeting was one of those Amway meetings. Little did I know at the time that it was just a part of their elaborate scheme. However, it did provide me with some insights into their financial toolkit.

What was interesting was that this was during the time when Amway’s name was dirt to most people. So the company being hailed was some other named company that claimed to have no connection with Amway. As a matter of fact, when this symposium started, and I heard the sales pitch, I turned to my “friends” and asked them if this was “Amway” and they said no, that there was definitely no connection. When they gave me a ride back home, all of the crap in their car (tissues and everything else, and I mean a ton of crap) all had the name “Amway” on them. In other words, the company was still recruiting people, but it was using another name to do it.

I will say that they use a really hard sale approach and those two that recruited me really used a guilt concept approach to try to rope me into their scheme. All I remember was how uncomfortable I was being in their car for the ride back (also remembering how they had thought it was a better idea to drive me, rather than me meeting them by driving my own car). They took an extra long way back to my work place (as it was literally down the street), and I remember them trying to sell me on the whole approach over and over again.

The next few days, I couldn’t get them to stop calling me. I told them I wasn’t interested, and that seemed to make no difference to them at all. They tried every foot in the door approach they could, and it got to the point where I found myself yelling at the phone, telling them to stop calling me. This was before the age of caller ID being prevalent on phones, so you’d pretty much have to answer the phone for anyone who called, and call blocking was still a decade or so away.

What I can say is that their products were mediocre at best, yet their markup was huge. When they explained the “business model” the first thing I thought was “pyramid scheme” because you had to be higher up on the pyramid in order to actually make any serious money, which meant so few people would actually be making money in this business.

The sad thing is: Amway is not the only company doing this sort of thing. Years later, I was back in school and someone contacted me about a job opportunity (I had been trying to find a job during this time, so obviously my name was found through some job site). I showed up and it was identical to the Amway meeting from before EXCEPT there were a bunch of “group leaders” who were escorting all of the marks. What I noticed was that for each male mark there, there was a hot female “group leader” who was that person’s contact. For the women (and there weren’t a whole lot of them), there was an attractive guy “group leader” assigned. I think I was the only one not assigned this way because the person who targeted me had gotten me through a business connection. But all I remember thinking was “wow, this is a freaking cult”. And its business model was identical to Amway except it felt more like it was spur of the moment, where the designer had attended an Amway meeting and thought, “hey, I can do this, too and do it so I’m on top of the pyramid when it starts”. What I specifically remember about this meeting was a computer printed sign as the markee on the main building and then driving by a week later to see that all of the signs for this “business” were gone and the place and a”for lease” sign was now on the front lawn.

I guess the point is that no matter how much these places try to pretend they’re legit, they’re basically bottom feeding and out to screw you. I remember talking to a lot of people who were at both meetings and they were almost always paycheck to paycheck or “get rich quick” thinkers. I also remember at the second meeting that one of the “group leaders” spotted me talking to other people and she quickly put a stop to it, apparently not wanting any of their marks to actually compare notes.

Now, I can’t say that these places don’t work for some people. But I’d feel a lot better if I read a lot more literature on these business models to hear successes, instead of what I do see. An example is the comments section of both articles I linked in this article on MLive’s site. Every now and then, one guy named David starts talking about how great his experiences were with these organizations. and then you realize he’s the one positive response out of 113 responders, which makes you wonder whether or not he’s not part of the organization’s PR rather than someone honestly responding to these stories.

All I can say is that had I taken the bait back then, my life would be so much worse than it is now because when people are after you only for your money, they don’t care what happens to you when you’re destitute and without options. Just look at the leaders of these businesses and their political choices. If you’re poor and without lots of money, they are certainly not the people to whom you’d turn, which is ironic because for the most part, they got rich off of people with very little.

Solving the School “Costs” Problem

star-wars-darth-vader-senseRecently, President Obama push forward the idea of making community colleges “free” to students. This, supposedly, will give downtrodden students an opportunity to get an education and improve their lot in life.

A nice thought. A nice idea. But again, it does too little and in the wrong place.

First off, I think it’s great that our president is talking about cutting the costs of education and in a roundabout way, talking about cutting down on student loans. But this is another one of those attempts to create savings in an area that is actually not the problem. Community colleges are generally pretty cheap, and if you’re living a normal life, there’s no way that you really can’t pay your way through a community college program. Where the real problem exists is in higher level institutions and in the student loan fiasco that exists in that realm. But as I’m sure you realize, no one is doing anything about the fact that so many people who have student loans are basically screwed for the rest of their lives.

And that’s really the problem they need to address and never will. Instead, what seems to happen is you mention the student debt problems, and you get a sort of Mitt Romney response of “you shouldn’t have taken out the debt if you weren’t planning to pay it back.” Yeah, that’s true, but people took out so much debt to pay for college based on this fantasy that jobs would be prevalent after graduation. And that hasn’t been the case.

So, what should government do?

Well, for one, forgive student loan debt AND then work on making colleges affordable so that people don’t need to take out so much debt. But we’re not doing either one of these. Focusing on community colleges for savings in tuition is like going to a random soda machine and making everything half priced in one place at one time where few people are going to even know it’s happening. If you wanted to make a difference, you go to the original distributor, put all the sodas on an inexpensive rate and then notice as everyone pays less money for soda. Discounting a discounted tuition (which is what community colleges basically are) doesn’t solve anything as no new people are going to be able to pursue education because they’ve already scraped the bottom of the barrel by making those school affordable to anyone who actually has time. If someone can’t afford a community college now, their problems are probably much worse off, meaning they’re focusing on whether or not they should pay the heat bill or the electricity rather than whether or not college is affordable.

What caused the problems of today was that bankers decided that college debt should not be forgiveable, and they made Congress back that up with law. Meanwhile, they allowed themselves to declare bankruptcy if they make stupid financial decisions and had Congress back that up as well. In other words, if you make a stupid mistake like try to get an education, you will never be forgiven for that mistake. If you take billions of dollars of money that you don’t actually own and invest it in blow and hookers, you can declare bankruptcy and five years later you can do it all again. As long as that mindset is part of our dynamic, we’re NEVER going to solve the problems inherent in our system. Mainly because the people who can solve it are benefiting from the problem in the first place. In the end, it all gets paid for by the people who can’t afford to get a good job because their educational goals have stifled any future economic advancement.

So, when I hear a president say he’s REALLY going to solve the student college problem, I need to hear a lot more than “we’re going to trim a few leaves off a tree in hopes of growing a forest.”

And this is coming from someone who actually likes our president. That doesn’t mean he gets a free pass every time he does something like this.

Apple’s problem with its Apple Watch

So Apple finally announced its innovative Apple Watch, and the whole world is going crazy over it. Well, not really. As a matter of fact, what I seem to mostly be reading is a lot of criticisms against it. And for Apple, that’s never really a good thing. But I do have to point out a couple of problems, and then see if Apple manages to overcome those problems.

1. It’s a watch. People don’t wear watches these days, especially younger people. What Apple is hoping is that because they made it, it’s “innovative” and it’s cool (or they hope people think it’s cool), people are going to start wearing them like they used to wear watches, back in the 1960s. Yeah, that’s a bit of a problem. People have cellphones that give them the time now. Don’t need a watch. So they have to present some kind of reason why it would be necessary to start carrying a watch now. I guess you could use it as an alarm, but it’s not like your normal watch, because at night you’re probably going to have to charge it, and that kind of seems odd for something you’d be using as your alarm clock. Besides, people generally have alarm clocks these days. Some use their cellphones. So there’s that again, I guess.

2. Smart watches look stupid. Android has been advertising one of their smart watches ever since Apple announced their new product. And every time I see the ad for it, I think, wow, even as nerdy as I am, and even as non-trendy as I am, you wouldn’t catch me dead wearing one of those stupid things. And that’s the atmosphere that Apple is walking into with its new smart watch. First, it has to convince people they need to wear a watch, and then they have to convince those same people that they won’t look stupid wearing it. Good luck with that one.

3. It needs to replace something, or some things that you already use. It doesn’t. At all. The iPhone repleaced your crappy cellphone. It also allowed you to replace your iPod, and your alarm clock, and your shopping list, and your….I’m sure you get the idea. The iPad wasn’t as necessary, but it was functional and it made not having to carry a laptop into places that you wouldn’t want to do so. It was also pretty convenient. And having one around the house is kind of cool when I’m watching TV and then want to look up who the hell that actress is that so reminds me of someone but I just can’t put my finger on it. The Apple Watch doesn’t do that for me. It replaces nothing. And it’s not a thing I can imagine I need.

Now, the problem with most of these lists is that they’re almost always titled, “Why I won’t Buy Your Product.” That’s not what this is about. I’m gearing this towards why I think most people won’t buy an Apple Watch, keeping in mind that sometimes Apple surprises the crap out of me and manages to sell ice cream freezers to Eskimos at twice the price that everyone else is selling them for. So, there’s that, too.

Now, the new iPhone….I might have to get that because it replaces that other thing I carry around. My previous iPhone. Yeah, I’m a real loser when it comes to these things, but at least I can admit it.

My Proposal: Please give us interesting news instead of what we’ve been getting

Joshua had a few things he needed to say
Joshua had a few things he needed to say

Here’s a confession. I read the newspaper every day. And some days are more informative than others. But I’m going to go out on a limb here and say that the news over the last couple of months has been really crappy, almost to the point of where I sometimes suspect that today’s newspaper might have been recycled from a few weeks ago and sold to me as brand new. I’ve been feeling this a lot lately. It’s like there’s no interesting news any more, and that worries me because I’m a newshound, constantly in need of news gratification. So, here’s a quick rehash of what I’ve found to be the “significant” news stories for the immediate past (and present).

1. Justin Beiber did something. Don’t know what it was, but for some reason when he does something, the news wants to tell me about it. I get it. Teen girls like him, mainly because teen girls haven’t matured to a point where their brains actually generate understandable logic. So this “heart throb” did something that may or may not have been controversial, and as a result the media is in a frenzy making sure that we know all about it. I don’t care. Please stop telling me about it. It’s taking up space where I could be reading about…well, honestly, I don’t have anything else I’m following, which is a part of this whole post in the first place. As a corollary, please don’t tell me about Selena Gomez either. The only reason I know who she is is because she’s often mentioned in the same sentence as Justin Bieber, which makes her even less significant than someone I find of absolutely no significance.

2. Congress voted to not vote on anything. That’s about the length of the summary of the latest stories involving Congress. They’ve spent the last two years arguing over how they don’t agree with each other, with the president, with the people, and with the color of the sky. I get it. They don’t get along, and they believe that they need to get rid of the people they don’t get along with in order to get anything done. As a result, they’re going to have to justify their ridiculous salaries and excellent health benefits ( that are not upto the standards found in Forest Hills urgent care clinic and also they are the not the same as anyone they vote to approve health benefits for, such as the poor, the military or, well, anyone else), so they need to pretend to be doing something. And because the media can’t just report: TODAY, CONGRESS PROVED IT’S USELESS AND DID NOTHING, they report all of the horse race crap, and we end up with stories that tell us absolutely nothing.

3. School shootings are on the increase. I’m not happy about this, and at the same time I kind of want to stop hearing about it because statistically, they’re not actually increasing. We’re just hearing more about them because they fit the “if it’s on fire, then it’s a story” paradigm of national news outlets. Most people don’t realize that kids have been stupid for about as long as kids have been around. What is different is that the media is in such a need of stories to fill a 24 hour news cycle that whenever someone shoots someone, pulls out a gun, draws a picture of a gun, bullies someone, thinks about bullying someone, says mean things, or whatever, we’re going to hear a national story about it. And then commentators are going to get on the news and talk about the “tragedy” and how it never used to be that way “back in my day”. Yes, it was. It just didn’t happen in your particular school at the time you’re remembering back on. But it happened in the school down the street, which means that “back in your day” these things were happening but because they didn’t happen in YOUR school, you weren’t paying attention, and because most people didn’t pay attention to news back then (as most of it was from the 3 networks and boring as hell), there’s a belief that it was much different back then. Statistically, the only thing that really changed was we have more access to national information than we had before, which means that something that happens in Colorado when you live in New York gets put in front of your TV screen, making you feel that it’s happening in your neighborhood, when it’s thousands of miles away from where you live.

4. The most important story in the country is gay marriage. Well, you’d get that impression from the amount of rhetoric focused on it. Yes, I agree that it should be an important story, but it’s not really, and it affects so few people in comparison to the grand total of people who think they’re affected. Disclaimer: I’m not gay, which means that the issues involved in this continuously involving “issue” doesn’t actually affect me. Reality: That’s not completely true. It does affect me, but not in the way that seems to be the focus of so much attention. Let me explain.

You see, there are people in the world who are not heterosexual. I’m not one of them, yet because I’m heterosexual, if I was a total dweeb and rude person, I could say that how someone lives his or her own life somehow has an impact on my life. Reality: It doesn’t. If two men want to marry each other, and they live next door to me, the total effect after doing all of the mathematics is…um, zero. What does affect me is how much noise they make playing their stereo, or in what seems to be my personal experience, how much of a complaint they have about the fact that I sometimes play mine too loud. You might notice that how loud their stereo is has absolutely NO connection to whether or not they happen to be gay or straight. So, their impact AS A RESULT OF THEM BEING GAY, is none.

Then the argument comes in about how gay marriage somehow diminishes the status of marriage in general. I’m going to go out on a limb here and say that I believe that divorce has a much larger impact on the status of marriage. I feel that if NO ONE ever got divorced, then marriage would be sanctified and never in fear of danger. Not only that, I think that if spouses NEVER cheated on each other, then marriage would be strengthened that much better. So, from now on, I think that anytime someone talks about a divorce, that person should be shunned, thrown out of the country and declared a heathen of all good thinking Americans. Come to think of it, if people didn’t get married in the first place, then perhaps the fear of divorce would never happen, which would strengthen the very value of partnership. Or perhaps partnership is the problem, and that it’s kind of unnatural, as God originally intended for every person to be alone, which is why He didn’t create people as partners but designed each person to be capable of functioning without another person. I’m sure there’s a verse somewhere in one of the many different interpretations of religious texts out there that says exactly that, although it might say it in different words that need to be translated by some priest who has spent too much time reading the book and pretty much nothing else.

The point: How does the way someone else lives affect me when it doesn’t have an effect on me? I can have all sorts of bad feelings about how someone else lives, but I guarantee that someone else is probably having bad feelings about the way I live for some random reason, no matter how wonderful I live my life in the constant vigilance to the ideals put forward by the Shania (if my religion happens to be the worship of all things Shania Twain). Unfortunately, no matter what you do, someone else is going to disagree with how you live your life and think that he or she knows better than you do, and then for bizarre reasons DEMAND you live another way. I like the old George Carlin belief system that people need to just leave people alone (to paraphrase several great speeches he’s given over the years).

5. Which brings me to the story lines of national politics. As I read stories on national news, I find absolutely nothing in the way of interest for any story because none of them make a single difference to me whatsoever. The stories that do are glossed over and treated as afterthoughts, meaning no one seems to care about things we should care about. So, what kinds of subjects should we hear about. Well, I have a few:

A. Health care. I’m not talking about Obamacare or how badly the health care exchanges were implemented. Although I will say that those stories COULD have started off a conversation about things that NEED to be discussed, but never will. What needs to be discussed then? Cost. Health insurance is expensive, and it shouldn’t be. Because our government has taken a hands off approach for so long, we have the worst health care system in the world, aside from dictatorships that use firing squads as a health care remedy. For the first and second world, our health care is abysmal because we allowed the whole system to evolve from a really bad premise to begin with. Government has been playing catch up with our system since day one, and that means that any solutions aren’t going to happen from half measures; the whole system needs a restart and the old money profiteers need to be put out of the system so that we can put together something that shows we are, in fact, the one first world nation in all ways. What does that mean? Everyone gets health care covering pretty much everything they need. We start to create a system that is proactive rather than reactive, meaning that you don’t seek health care for the first time AFTER you’re already starting to get sick. One of our largest problems in this country is diabetes, which if you understand the disease, all of our efforts to combat it are to alleviate the symptoms, and that’s it. We do the same thing for cancer. Instead of massive money being spent on “curing” cancer, most of our procedures are designed around helping people “live with cancer” instead. I don’t advocate stopping the reactive measures, but I’d really like to see us work on the proactive measures. This would mean a completely change to our health care mentality, and that’s never going to happen as long as these decisions are being made by people who are so indoctrinated by this payment system plan, because they are completely incapable of seeing any other alternative. And a personal belief of mine is that pharmaceutical companies might be a huge part of the problem as well, although there’s lots of room for debate in that one. An example: I was dealing with some depression issues a few years back and went to a therapist, who I immediately discontinued seeing because her “solution” to practically everything was medication. I didn’t need medication to stop being depressed. I needed to feel better about my situation by finding solutions to my situation. Medication was a stupid solution, but this therapist saw no other alternative. A friend of mine was diagnosed with “stress” and prescribed lots of medication. She started on it for a few months before she dumped it and took an alternative route NOT condoned by her prescriber. Her “new” route consisted of paying for massages, and she’s doing a lot better these days. The interesting side bar to that is that her health coverage didn’t cover massage therapy but did cover medication. Again, the eye is on the wrong ball, and as long as we’re a part of this system, it’s never going to change. Additionally, for those struggling with severe issues and looking for alternative approaches, seeking help from a private rehab centre might be a viable option to consider.

B. Elections and Representation. Every election you hear people start complaining about how so few people participate int eh voting process. There’s a reason for that. It’s not because they’re apathetic, happy with the system as is, or lazy. Many people don’t participate because they don’t feel they have a voice, no matter how hard political parties try to convince them otherwise. This was seen during the whole Tea Party and Occupy Wall Street movements. In case you weren’t completely following what was happening, people were dissatisfied with government and their lack of influence on it, so they tried mobilizing outside of the power structure that already exists. What they discovered was that the entrenched power system gave them no voice, and when they made a stink about it, the powers that be ridiculed the protesters and treated them as crazy people. Occupy Wall Street was defeated early in its infancy as the media treated it as a joke, constantly ridiculing its members by pointing out that they had no better ideas, were disorganized and weren’t making any headway in their protests. Having watched the back and forth, I came away with a different perspective, albeit a more economic one. The media responded as the powerful business interests they were, seeing Occupy Wall Street as a financial threat, which caused the media to treat them as outliers and a humorous joke. Wall Street itself, responded in kind, as they were the financial target of these people who were upset with how there has been little oversight over economic impact issues from this part of the political system, and because of such a response, there never will be.

The Tea Party has been an even more interesting animal, mainly because this was a protest from an actual economic power base that couldn’t be ignored in the same way. Remember, Occupy Wall Street was coming from the poor, disenfranchised side of the political spectrum, much easier to knock its wind out right from the beginning. But the Tea Party was a disorganized response to dissatisfaction from the political right, which is inhabited by those with financial clout, meaning the people Occupy Wall Street were actually protesting against. As they were now organized against OWS, they came about immediately after with a power base that demanded the Republican Party (its main level of constituency) to respond. As a result, they’ve entrenched themselves as a part of that party. What we’re starting to discover is that they only represent an elite economic power base, which has its own representation mainly because it can afford to make its message known through financial clout during elections. We’re starting to see this with their attacks on Obamacare, and specifically the members of the Senate who supported it. We’re going to see a lot more of this in the months to come.

But what it means is that the average person has less and less touching of the strings of government. And this means that as we move closer to the next election, people have come away from these previous two movements convinced that nothing is going to change because when they did try to become organized, nothing happened, unless they were already rich and powerful. To participate in that environment is a lesson in futility, and nothing that either political party says is going to change that. The Republicans don’t have any intentions of representing the disenfranchised, having sold their souls to the very franchised economic elite, and the Democratic Party is counting on these disenfranchised souls to somehow embolden them with the ability to maintain power in a system that still rewards the rich and powerful at the expense of the poor and disenfranchised. Basically, the Democrats have to convince people who bought into “hope and change” that more years of their control will somehow bring about “hope and change” when the originator of that message did very little for them other than try and fail. The alternative is to opt out of participation, and sadly enough the expectation is that rhetoric can somehow make this different. Good luck on that.

C. The economic future. This is really what should be the main focus right now. There is no lack of books on the concept of low-hanging fruit that has disappeared from the process, meaning that all of our advantages we used to have available (like continued open spaces for colonizing land, economic opportunities for business growth, and access to untapped natural resources) are practically gone. We no longer produce new things but seem to have fallen into a rut of continuous reinvention of old things, like the consumer electronics show that instead of showing us new technologies on the horizon continues to show us new variations of television sets that keep reinventing the old technology. When every house in America that needs a television has pretty much already bought one, we’re forcing a false need on people that they’re no longer responding to with checkbooks. The last few major advancements in technology that drove need have been around for some time (televisions, microwave ovens, computers and cellphones), meaning that we’re not producing anything that’s changing the paradigm to move us towards new need. Sure, you can argue the iPad was a new invention of this nature, but it just gathered a number of different products and combined them into one, which, if you think about it, actually is a step back on the production of new things list. As long as our future consists of combinations and reinventions of old things, we don’t have a lot of progress to take advantage of, which would explain why industry innovation has focused a lot more on consolidation than progress, meaning the idea of expansion by robotizing a labor force and outsourcing to countries where its cheaper to produce something.

Anyway, this has gotten much longer than I originally intended to write, so I’ll stop there for now. I would hope, by now, the basic idea has been relayed.