Generally speaking this Blog represent my "Random Acts of Thought" and will cover any subject that has the unfortunate experience of finding itself rattling around in my brain. Please use the buddy system when reading these entries. We don't want anyone getting hurt out there.
Saturday, January 25, 2014
Up Up and Away
Has anyone else noticed their electric bill has increased recently? Just wondering. I've noticed. Our bill is considerably more than it was just a few years ago and seems to be increasing by the day. Staying true to their inconsistent and illogical ways our bloated and inefficient government has forced us to buy more expensive light bulbs, which pose a more real health threat than the old ones by the way, to ostensibly reduce our energy consumption. While this mandate might have actually saved us a little money on our electric bills, all things being equal, they end up just costing more to buy while we continually pay more every month for our electricity due to their policies. All I seem to hear about anymore is how the poor are suffering and how we have more and more people living below the poverty level. Well, maybe if the government found something to do other than obstruct market forces and causing everyone's cost of living to go up, (yes, this includes the poor), we might make some meaningful headway in overcoming the epidemic of poverty we are having. As the air in the US continues to be cleaner by the year, an incredible feat considering the amount of energy we use, we are attacked on all sides by environmentalist and others who are somehow bothered by our success as a nation, as being greedy and poor stewards of the world's resources. Therefore, we must pay more for electricity and for light bulbs and for vehicles and for toilets and for showers and for new construction and for tires and for (fill in the blank; quick, before the government does). Just go to the World Health Organization website and check out how the cleanliness of the air over our major cities compares to other countries. Rather than tearing down a country that has demonstrated such an incredible resilience through the last 237 years and which has offered so many people so much opportunity, why not reinforce those principles which have brought us here and see what incredible things might come of the next 237 years. Who knows, maybe we can actually come up with a "war on poverty" that actually works. If fact, there's no doubt in my mind that we can. Whaddaya say we give it try rather than burning down the whole house for the sake of a ruling class who couldn't survive in the real world if they had to.
Predatory Gambling
Just wanted to get some thoughts down whilst I was in the midst of them. I've never quite understood the whole concept of "predatory" lending. Someone who has poor credit and cannot qualify for a loan from a bank for instance should expect to pay a higher interest rate for whatever loan they may find as the lender will be taking a much higher risk lending to them than to someone with a good credit record. Additionally, these loans tend to be fairly short-term loans and for lesser amounts of money. If I'm going to loan a high-risk individual 1000.00 for 2 months at 5%, my profit will be approximately 50.00 if things go well for me. If not I go to the back of the line of institutions who are owed money by this person and wait for who knows how long to collect some portion of my principal or interest. Not a good business decision. To make the decision look a little more doable from the loaner's standpoint he asks for a much higher interest rate to offset the risk he is taking. It all seems pretty understandable to me and if the word predatory is to be applied I would say it should be shared between the loaner and the person who has earned such a bad credit rating by preying upon unsuspecting loaning institutions. Or how about this. Don't borrow money at all. This would preclude any lending, predatory or otherwise.
How about applying the word predatory to the casino industry. You have to pay back a loan, but hitting the jackpot at the casino doesn't involve paying off any loans and therefore no interest either. Think about it. The less I have, the more attractive a jackpot looks. At least a loan has some built-in unattractive parts to it. You have to pay back more than you are borrowing, for instance. Hitting the jackpot has no such unsightly side effects and it's fun to gamble, besides. I'm sure the argument is that people are free to choose whether to gamble or not but the same is true with borrowing money. If we are going to suggest the loan industry "preys" on the vulnerable then we must apply this to the lottery and the casinos as well. The poor are far more vulnerable to the draw of easy money than are those who already have a sufficient income.
I understand that there are those in society who will take advantage of people who are vulnerable in various situations. These situations are as numerous as the sands of the sea and as varied as the human face. So I am not arguing that someone might try to lend someone some money who doesn't need it or try to charge them an unduly high rate of interest. My problem is with the terminology and with the fact that so many other, more egregious and common infractions are absolutely ignored in this discussion. Besides, maybe the loaning institutions are just trying to even the score after the government forced them to make so many bad loans under the guise of fairness. Talk about someone taking advantage of the vulnerable. Make a study of the U.S. government's entitlement programs sometime. You may conclude we have a predatory government.
How about applying the word predatory to the casino industry. You have to pay back a loan, but hitting the jackpot at the casino doesn't involve paying off any loans and therefore no interest either. Think about it. The less I have, the more attractive a jackpot looks. At least a loan has some built-in unattractive parts to it. You have to pay back more than you are borrowing, for instance. Hitting the jackpot has no such unsightly side effects and it's fun to gamble, besides. I'm sure the argument is that people are free to choose whether to gamble or not but the same is true with borrowing money. If we are going to suggest the loan industry "preys" on the vulnerable then we must apply this to the lottery and the casinos as well. The poor are far more vulnerable to the draw of easy money than are those who already have a sufficient income.
I understand that there are those in society who will take advantage of people who are vulnerable in various situations. These situations are as numerous as the sands of the sea and as varied as the human face. So I am not arguing that someone might try to lend someone some money who doesn't need it or try to charge them an unduly high rate of interest. My problem is with the terminology and with the fact that so many other, more egregious and common infractions are absolutely ignored in this discussion. Besides, maybe the loaning institutions are just trying to even the score after the government forced them to make so many bad loans under the guise of fairness. Talk about someone taking advantage of the vulnerable. Make a study of the U.S. government's entitlement programs sometime. You may conclude we have a predatory government.
Sunday, November 3, 2013
Remember When
Do you remember back to times in your life when someone said something to you that reflected poorly on you and it hurt your feelings to hear it. You know, when someone pointed out a behavior or action you had taken that was inappropriate or rude. Maybe you just didn't recognize the hurtful nature of your words because you had grown used to hearing them sent your way as you were growing up and you had drained them of any real meaning long ago. So here you are, embarrassed by a friend who has confronted you about your hurtful actions and you are feeling very defensive all of a sudden and blurt out a long wordy sentence that when boiled down means simply, "Oh ya, well uh-uh" For some reason this seems to move you past the uncomfortable confrontation for the moment and your day continues on. Over the next few days, as the emotion evaporated from the situation and you are left with just the facts of what was said you realize your friend was not only right, but also courageous when he approached you about this. You see that you were in fact in the wrong and that there is an apology waiting to be delivered. You are faced with the fact that you have acted poorly and it hurts but the hurt leaves in its wake a better, more compassionate person who is more ably equipped to deal with people in a more appropriate manner. What has just been described is a normal part of the maturing process. If you've never experienced this, you are either a product of an incredible upbringing or you don't have any real friends.
Thanks, and have a great day. I mean, if you want to. I'm not trying to tell you what to do because I hate women or anything. No really. Oh well, think what you must.
Saturday, August 17, 2013
Default Discrimination
Saturday, July 27, 2013
A Semi-sweet Ending
-->
The plan was
hatched months earlier after someone had poisoned his little puppy
dog, removing the only bit of joy in his life. Now, the only question
was how to move himself into the next stage of existence. "To launch
oneself wholly into the spiritual realm from the physical would most
appropriately be achieved by a wholly physical act of undisciplined
lust for something in this material world", he thought.
Rewind to an hour ago as Harold, who is ostensibly ill today, is in the break room of the huge Caterpiller manufacturing facility in Illinois where he has worked for years. He is arranging the room to make retreat impossible once the flow of people has begun. With a company wide email invitation completed now and only the SEND command left to accomplish he takes a box from the large plastic bag and sets it on the table just behind him. Now, all that is left is to send the notice of the free donuts in the break room.
Friday, June 21, 2013
Look Out Rusty Eck Ford
Sunday, March 31, 2013
Why I quit Facebook
Silly subject for a post I suppose, but I thought it might be good to go through my thoughts on the wildly popular internet site called Facebook. As most of my followers know, I was once a Facebook user and would occasionally peruse the various sites of friends and family. This would result in a bit of entertainment as well as being informative as to what various people were up to. Of course the pictures of the latest vacation or a young one's first steps were always fun to check out and I would take the chance to post a cleverly crafted caption for a pic if the opportunity arose. I think when I began questioning my Facebook visits was when people became so anxious to share their displeasure with each other's political views. I actually enjoy a dialogue with someone about various social and political topics, but Facebook only seemed to lend itself to a bumper sticker sort of approach. A quick comment here and there sandwiched in between all the other conversations. This easily leads to misunderstandings on both sides and leaves one turning the Facebook experience into a political forum. People with whom I have never had a political discussion with in person are anxious to offer opinions on whatever is in the news at the time. I know some people grew up with these discussions taking place over dinner and other family gathering but not our family. At least not until Facebook offered whatever it is that it offers to us to make us want to jump in with both feet to discussions we are hesitant to have in person. I mean when someone chooses a picture or icon to represent them online that is tied directly to a political or social issue it immediately says to me that there is a bent, or a filter in place. An agenda, if you will, that is not limited to updating folks on the latest family activities but is rather positioning oneself on a variety of "important issues". Yes I can, and do, interact with people daily who have a very different view of our country and the world than I have. And yes, we can interact in a civil manner. But when people you have known your whole life and with whom you have never engaged in political dialogue, decide Facebook is just the right tool for expressing such opinions it seems, I guess, a bit odd and maybe inappropriate. So there you go. If I thought "posting" my objections to abortion would stop the wanton slaughter of innocent children; or my hope that the social and political winds may be changing in favor of another shot at Prohibition to at least lessen to 10's of thousands of lives we seem willing to sacrifice so we can have that oh-so-great feeling of not feeling; or how about the government forcing all swimming pool owners to fill their pools in with concrete, which would save far more children's lives then a gun-less United States would; or how about bringing back DDT so we can significantly reduce the number of deaths due to malaria. No, I think I would rather just see that new grandbaby take his or her first steps. I'm just not willing to wade through all the crap to get there. Sorry.
Subscribe to:
Posts (Atom)




