Saturday, October 09, 2010

What is the basis of morality?

The United States is at a point in its history where it will continue to be a great nation or decline into a nation among nations and eventually be taken over by another nation.
But by then, there will not be much left to take.
This could happen in the next 10 years or within the next 50.

While this issue appears to be political, it is not.
The political manifestations we are seeing are only symptoms of its underlying source.
The true foundation of this struggle is moral and, ultimately, spiritual.

Some people will argue that we are, indeed, in a moral struggle, but see Christianity as a cause of the problem, rather than a solution.
To them, a “rational morality” (my term) needs to be the basis for all government policy, societal customs and economic policy.
They have been working to this end in this country for over 100 years.
And one of the prime tenets of this new morality is the suppression or removal of all things Christian.

Standing against this “rational morality” is the Christian community.
It is a community more in name than in organization or structure.
The one thing that nearly all groups and individuals which align themselves with this side of the debate have in common is division.
Very few of them have a working relationship with more than a few of the other members of the community.
The reasons for this rampant division can be summarized in two terms – doctrine or methods.

Some groups may “believe the right things” but put them into practice in ways that some other groups disapprove of.
Other groups do not believe the “right things” in the Bible, and thus, are not truly “Christian” to some degree or another, in the eyes of some other groups.
And those groups that emphasize “correct” doctrine, are accused of being “Bible thumpers”, closed minded, bigoted and divisive, by some of the other more liberal groups.
From this diverse expanse of views, some groups cannot even agree that there is a moral crisis.
Others are so distressed as to be almost to the point of despair of any remedy.

Those who support the “rational morality” have their own issues in that they have no single basis for their standard of “morality”.
They do not have – or need – a Bible.
This leads to a rather messy – and even conflicting - variety of standards on which to base their moral codes.
This is less of an issue for them than it is for the Christians, because the rationalists do not have to claim allegiance or conformity with a pre-established code.
They have the convenience of moral relativism to make some, if not many, of their pronouncements fit various untidy circumstances.
Christians, after all, have to adhere to some degree, to the person and/or teachings of Jesus Christ to claim the title.

But Christians, have a serious problem.
If we cannot comfortably accept the fact that God is the creator of the universe, in spite of constant “scientific” claims to the contrary, we have a problem.
It is a moral and spiritual problem.
If God is not the creator, as his book says he is, then, who is he?
And if God is not our creator, what else is he not?
And if the spiritual principles that were the foundation of the Old Testament law and the New Testament are no longer valid, what, then, is the basis of our moral conduct?
What do we use to guage right and wrong?
Are we individually responsible to God, or not?
(This question is, in fact, the basis for all rebellion, sin, and alternate moral codes.)

If some “Christians” cannot bring themselves to accept the Bible as the basis of their morality, they are destined to ride the same slippery slope of moral relativism as their opponents.
(And if a person cannot subscribe to all of the Bible, what is it that makes them “a Christian”?)

If we cannot depend on the Bible to be essentially the word of God, then we are wasting our time pondering Christianity.
We might as well sell all the church buildings and hit the links, the lakes or the couch in front of the big flat-screen.
By “essentially” I mean, its fundamental basis, logic, facts, principles, and concepts accurately present what God intended for people to know.
I know there are some minor errors in the texts here and there, like the two accounts in Acts, of Paul's conversion on the road to Damascus, and others.
There are some differences between some older texts and newer texts.
But these errors/differences do not materially alter the important facts or principles of the document as a whole.

And if moral relativism is not a valid basis for our morality, then moral absolutism must be.
There is no other choice.
And if moral absolutism is THE basis for our morality, then we need to make peace with the Bible.
We need to put to rest our doubts and concerns about some parts of it, and its inconvenient precepts that cramp our worldly, selfish living practices.

The natural state of people on this earth is chaos suppressed by totalitarian power.
People are naturally rebellious against restraint.
The entire history of the world can be summarized in a cyclical pattern of,
1 general social/economic chaos,
2 gradual local consolidation of political/military power (manifested as social/economic influence and voluntary or forced allegiance/conquest),
3 larger military conquests/subjection,
4 rebellion,
5 go back to number 1.

It is only the enforced rule of law that causes people to build stable societies.
Even then, enforced rule of law only restrains about 80-90 percent of the people.
Of this minority, about 10 percent commit occasional minor robbery, damage to the property of others, or assault on others.
The remaining 10 percent prey regularly, if not constantly, on the other law-abiding citizens, stealing anything they can, damaging property, and assaulting or killing anyone they can/need to.
These in this last group are essentially outcasts of the society at large and have little or no interest in conformity.
This group is either killed or isolated from the rest of society in confined living facilities.

The main group of our society chooses to conform, more or less, to our Christian-based moral code.
The two minority groups conform even less or not at all to the general moral standards of the society at large.

The founders of the United States recognized that a stable society required the willing cooperation of its citizens to survive.
For this to work, each citizen had to subscribe to a common fundamental philosophical perspective.
For the early nation this foundational perspective was Christianity.
There were several variations of belief throughout the colonies and early states.
But nearly all of them accepted the Bible as the basis for their moral code.
Some more strictly than others, but still, it was the basis for their society.
And the local, state, and national economies were based on this same foundation.

Why are the new moralists trying to change the United States?
Why do they not just move to some other country that already operates the way they think we should?
It surely would be easier for them.

I think it is because they are impressed with the massive wealth of the United States.
Some of them may not even realize this.
They think they can harness this gigantic wealth-producing machine and mold it in a way that it will finance the massive expense of their “moral” economy, government and society.
But that is the flaw in their thinking.

The incredible wealth-producing machine of the American economy works precisely because it is unencumbered by the innumerable constraints of other, more “moral” nations.
To impose the same constraints on the American economy that other nations put on their mechanisms of commerce would produce the same lumbering, near-stagnant economy here.
These new moralists do not understand this.

The new moralists also need a “moral” cause to fight for.
This is their substitute spirituality.
They have no moral tradition to defend.
They have no reason to exist.
They have no spiritual foundation.
For them, Vishnu is as valid as Buddah (but not Jesus Christ)

So they see the ills of society as being caused by Christianity, rightly or wrongly applied.
The economic ills of America are caused by the greed of businessmen.
Since the basis of the free enterprise system is the individualism promoted by Christianity, the free enterprise system must be brought under the control of the new morality also.

To put their plan in place will produce the same massive governmental economic/social dependencies that we see in England, France, Germany, Italy, Spain and Greece.
And when they find that such social/economic/governmental arrangements are unsustainable, we will experience the same financial crisis we are seeing in these other nations.

And yet, while we write of social, economic, and governmental policies, these are only the symptoms of the underlying moral foundation.
We must return to our common moral foundation – the Bible.
The basis for a national moral concensis is individual moral integrety.
Every one of us must behave ourself.
All the time.
The measure for our morality must be the Bible.
This may not work for Mexico.
Or Canada.
Or Greece.
Or Iraq.
But it must be for the United States of America.
If not, we are doomed for collaps.

So, where are you?
Is the Bible your sole basis for your moral standards?
Do you believe God is our creator, just as the book says?
Is your conduct in conformity with what is written in the Bible?
If not, how do you justify your conduct to God?
We are saved by grace, not by works, but that is not an excuse for sloppy, disobedient living.

In God we trust.
.

Sunday, September 26, 2010

Thots on the Hurting

It is Sunday evening.
Church is over.
I am home dealing with the after-church letdown.
For years, I have often felt a bit sad or pensive after church on Sunday evenings.
I am not sure why.
It could be because I have been in heavenly places, being challenged by the word and Spirit of God.
Mindful of fresh insights into the workings of God.
Encouraged to control myself more diligently so as to conform more fully to the will of God in the coming days.
And knowing that I must face the devil and his society tomorrow.
Maybe it is some of all of this.
No matter, here is that feeling again.

Tonight, I am aware that there are people hurting.
Right now.
All around me.
While we were in church doing our usual churchy thing there are thousands sitting home hurting.
Needing God but too ignorant or angry or afraid to seek him.
Dealing with problems, mostly because of the selfish actions of other people.
Or themselves.
Or with circumstances that seem overwhelming.
With children who are rebelling for reasons that are unclear.

There are women – wives, mothers – who are hurting because of selfish, unfaithful men.
Or they have their own demons or passions that they cannot contain.
And they are dealing with the repercussions.
And the guilt.

There is the military wife who has just lost her husband in battle.
She was dealing with the separation and looking forward to his coming home.
But not this way.
In a box.
She is angry and frustrated.
While she has seen some of her friends and neighbors suffer marriage problems and divorce, she and her husband were working through their problems.
She felt like they were doing well, and was looking forward to working on their relationship more when he got back.
Not now.
And she asks, why?
Why him?
Why now?
If that bullet had only been six inches farther to the left or right....
Why was it not so?
How could a loving God.....?

There are others, dealing with their problems by hiding in chemicals.
Some use alcohol.
Others use pills.
Still others use needles.
I cannot even relate to these people even though I have known some.
I do not know where to begin to help these people.

And here I sit, warm, cozy, comfortable, without any real problems.
And God has said, who will go?
And on one level I say, here am I.
But we both know I am scared and doubtful and hesitant.
So, while I am so aware of the needs around me tonight, I am also useless as an instrument for God to use.
All I can do I pray in intercession for these nameless people.
None of whom I really know (at least I don't think I know any of them).

And so I have prayed.
Prayed for the invisible hurting who are all around me.
They may be in the house next door, or across the street, or just two doors down.
Who knows?
I prayed that somehow God would minister to them.
That somehow he would arrest their thoughts.
That he would somehow comfort them.
That he would cause them to think of him or Jesus or some church.
Or to think of someone they know that could tell them about Jesus.
How he can heal the broken hearted.
How he can make a dreary life new.
How he can save them from sin, and sinning.

I know this is true but sometimes I doubt it myself.
There seems to be so few that have any interest in things spiritual these days.
I wonder if anyone even cares about heaven or hell anymore.
I do.
Some at church do.
But not even everyone at church seems to care sometimes.
Or at least, care as much as I think they ought to.
Only about half of the people who come on Sunday morning come Sunday night.
Why?
And I wonder what they see when they look at me.
Do I seem to care about spiritual things as much as they think I should?
And what does God think of me?
Is all he sees is a scared little old man?

In God we trust.
.

Saturday, September 25, 2010

RANDOM THOTS

I have had a few thoughts lately that I expected to become worthy of a blog post.
But, alas, that has not happened.
So, in the interest of keeping this blog alive, I will post these random thoughts just for the sake of public information.
Knowing that once I publish them, the world will take notice and will follow the trends that I create.

CARS

It may come as a surprise to some but I pay attention to the automobile business.
I follow who owns what companies, who builds what cars, what cars are selling the most (or not), etc.
I also form opinions about automobile styling.
So here are my latest pontifications on automobiles.....

Best looking cars - almost any built by Hyundai or Kia (really)
The 2011 Sonota is the best looking sedan I have seen in years.
The 2011 Kia Optima is a close second (basically the same car underneath).
I like the new Kia Sportage and its cousin the Hyundai Tucson.
I like the soon-to-come 2012 Ford Focus hatchback.
Can't wait to see one in person.
Regarding styling, Honda HAD some of the best looking cars around.
No more.
They have lost their way.
Toyota - the same.
Though, in Toyota's defense, they never have had any nice-looking cars after the early Celecas.
Instead, Toyota has one of the ugliest cars on the planet - the Scion xB (B as in BOX).
This is followed by everything made by Mazda in the last three years or so.
What were they thinking?

THE DEATH PENALTY

Easy segway, right?
It occurred to me the other day that there is no logic is sentencing a criminal to life in prison.
Basically, his/her punishment for committing his/her crime is a cozy heated and air conditioned room, three free meals each day, free health care, for the rest of his/her life.
That punishment costs the rest of us about $30,000 a year.
40 years @ $30,000 = $1,200,000.
That is a million dollars to babysit this bum.
Multiply that times several thousand prisoners and you have a few billion dollars tossed in the toilet.

Alternate suggestion - KILL THEM.
In fact, there should be no prisoners in the state or federal penal hotels with a sentence longer than 30 years.
All the rest of these long-term lifers need to be gently and quietly put out of our misery.

The logic is simple.
Look at our society as a large version of a small, local community; like a small rural town.
The citizens at some point decided that they needed to hire one of themselves to watch out for all the rest of them on a full-time basis.
If one or two of the local folks got out of line (meaning, violating the rules/customs of behavior accepted by the majority of the group), the local, full-time appointee would have the authority to arrest the violators and restrict their interactions with the community.
For most violations, a few days in the community interaction restriction facility (jail) would be enough to inspire the violators to modify their behavior to the satisfaction of the community at large.

But every once in a while, somebody does something really nasty/destructive/harmful such that a slap on the wrist is not considered sufficient punishment by the community.
In this case the violator deserves more severe/lengthy restrictions from future interactions with said community.
Thus, the community has the right to protect itself from all future interactions with such an individual by killing him/her.
As our nation has matured, it has drifted away from some of this basic logic of punishment for criminals.
We need to get some of it back.

We need to kill a few thousand criminals in this country who are of no value to themselves, to our society, and are living off of our dime.
It is time to cut the budget.

Un-Christian, you say?
You reap what you sow, Bubba.

And there is another class of criminal all too common in this country - repeat offenders.
I have a simple solution for these anti-social individuals, too.
Kill them.
My solution is simple - Three Strikes And You're Dead.

The third conviction for ANYTHING gets you a free ticket to your very own hole in the dirt.
If a person proves that they cannot conform to the values and customs of their neighbors then they need to be removed from society - permanently.

Rapists need to be eliminated.
Child molesters need to be eliminated.
Petty thieves need to be eliminated.
This will greatly reduce our crime rate and jail population.
And it is cheap.

In God We Trust.
.

Saturday, September 18, 2010

Another Fun Run

It appears that I just cannot stop running.
As I have stated many times - I love to run.
LOVE it.
If I could stand it, physically, I would run every day.
Note the "if" above.

I am fully aware that I am violating a rule of running promoted by nearly all running coaches.
Run every two or three days to maintain your cardiovascular fitness.
Running less often can cause injuries as well as sub-par performance.
I don't run often enough.
And I don't warm up (contrary to what the running magazines say...)
And I have never been injured from/while running.
But I know that I ignore the professional's advice at my risk, so I am careful.
Especially at the beginning of a run.

My running course of choice lately is mile three and half of mile four of the six mile Cotton Row course, which contains two of the steepest hills of the course.
Most of this territory is along the first, or bottom mile of Bankhead parkway.
It proved to be adequate again this morning.

I had been toying with running this route again for a couple of weeks.
Last week I wimped out for some reason now forgotten.
I usually leave my options open on Saturday morning when I wake up, just to keep from feeling like I have failed in some way, if I do not choose to run.

Today was different.
I woke up ready.
As I was getting ready, I noticed my right ankle was hurting as I put weight on it.
Not good.
This was the same foot that shut down my walk last Tuesday near the beginning of mile three.
So even though this pain was a one or two on a ten scale, I was wary.

Thus, mentally prepared for a physical catastrophe, I motored off to my course of choice in the early dawn darkness.
The temperature was a near-perfect 65 degrees and the sky was mostly clear with a few thin stratus clouds and no wind.

I parked the car, got out, and walked to Pratt Avenue (about 75 feet) and started trotting.
No foot/ankle pain. (grins...)
But this is no guarantee of a trouble-free party.
Remember the ankle problem during Tuesday morning's walk did not present itself until mile three.
With all of this parked safely in my brain, up the increasing incline of Pratt I went.

It was dark, and I took my time.
There are several street lights along this road (though there is about a half mile of near darkness), but they do not always reveal drop-offs, bumps or unevenness on the chosen path.
So, I ran carefully, picking up my feet a tad more to prevent stumbles.

I managed to keep my breathing in my comfort range all the way up Bankhead, which pleased me.
Even so, I was glad to make the right turn onto Tollgate which is essentially flat.
It was here that I encountered five male runners coming at me.
They seemed to be in their mid-late twenties and were talking and having a good time.
We exchanged monosyllabic greetings and kept going our respective directions.
After a quarter mile or so I came to Mountainwood - the dreaded hill.
At this point I stopped running and walked down this very steep road - all 600 feet of it.
As you regular readers may recall, the bottom half of this street is as steep as the roof of a house (about 15 degrees) and is paved with grooved concrete instead asphalt.
Anyway, I walked to the bottom, turned around and started back up the hill.
Still no foot/ankle problems.

I walked up the first half of The Hill, then began running again, as has been my habit for several years on this patch of American real estate, where the pavement changes from concrete to asphalt, and the pitch changes from 15 degrees to about 10.
Back up on Toll Gate I was looking forward to the flat/downhill jog.

It was during the journey down Bankhead that my mind drifted (a sure sign of a great run) and I began to ponder something, which now I cannot recall.
The last running-related thing I remember thinking about was the long, straight downhill sidewalk ahead of me, and the next running-related thing I remember was coming to the end of the long downhill straight and going around the long curve and wondering how I got here so fast.

Near the bottom of Bankhead Parkway is a painted marker indicating the end of mile four of the Cotton Row course.
The sky was lighter now and I was looking for it just for fun.
But as I glanced over to my left to locate the marker, I saw a lady runner.
She was trotting silently along the uphill lane of the road, her brown pony tail wagging behind her head.
Even though I was running downhill, she had caught up to me and was passing me.
As I divided my attention between the sidewalk in front of me and her, I noticed she had excellent running form.
No sissy-girl half-strides for this mama, her strides were eating up the real estate in big gulps.
I was impressed.
Any pain in my right foot/ankle was far from my mind.


At the bottom of the hill, Bankhead changes pitch and becomes Pratt Avenue.
The gentle decline (now) of Pratt is one of my favorite patches of pavement on the planet to run on.
Often I can pad along this quarter-mile route in full abandon almost as if I am floating.
This was not to be this morning.

As I moved from the sidewalk to the road, as is my habit here, I was about 20 feet behind Miss brown ponytail.
After a few seconds she pealed off to the right and turned onto a side street.
I don't know if that was her plan or if I made her nervous, but she left the party.
So I had Pratt to myself.
Not.

Then came the cars and trucks.
I don't know what was going on but a lot of people had to be up on Monte Sano early this morning.
So I had to spend about half of my time running in the gravel next to Pratt instead of running ON Pratt.
*$%^&*

Anyway, I turned off of Pratt and stopped reluctantly near my car and walked a few hundred feet to cool down.
I would have loved to go farther.
But that was not the plan and would have required some logistical/time problems.
This would have to be good enough.
I had a great run.
And no foot/ankle pain.

In God we trust.
.

Friday, September 10, 2010

Apple Update

My new (to me) computer arrived in good condition.
I plugged in 6 cables, pressed the power button and "foof" the computer came slowly alive.
After a few set-up questions I was/am fully functional.

There are a few new things to get used to, but no major hiccups (yet).
More later....

END OF THE LINUX EXPERIMENT

As I type this, on my trusty desktop loaded with SuseLinux, my new computer is riding around Huntsville in a big, brown truck.
It will be delivered today sometime after 5.
The new machine will mark the end of my Linux experiment.
It lasted three years and seven months.
But I am tired of bumping into software obstacles every few weeks.

I have mixed feelings about this move and the reasons for it.
I am happy to move to an established product that is almost universally recognized as well designed and of high quality and performance.
I am confident that it will perform all the tasks that I need (plus a few that I do not need but will enjoy).
That being said, the negative side of this move is its cost, variously estimated to be from 25% to 50% higher than other products of equal capability, features, etc.
Also, some techies have criticized this manufacturer for making products that are not as advanced or up to date, hardware-wise, as some others.
I am aware of both criticisms and have weighed them out carefully before arriving at my decision.
I have never been one to jump to the newest, latest, most technologically advanced toys.
Especially since I have seen the price vs age chart on technology product.
I struggled with the cost issue.
But in the end, I bit the monetary bullet because of the cost/hassle of the alternative.

That alternative is a security nightmare.
Loaded with lines of poorly written code and full of patches and software band-aids.
That operating system is made by a company that I distrust, dislike, and have no respect for.
I have used their products before, and could again, if forced to.
At this point I still have a choice.
So have exercised my choice in the direction that I have not taken before.

I liked several things about Linux.
I liked that it was free.
Who can argue with that?
But quite honestly, I would not have minded paying for it.
In fact, I did pay for at least two editions.

I liked its simplicity.
It did not have a lot of extra goo gaas in it.
But you could add a lot of nice little things to it, if you chose to.
It had everything that I needed. (with some exceptions, noted below)

It was rock solid and stable.
I do not recall ever having the system go nuts, give me the blue screen of death, or behave in other disagreeable manners.
That is not to say that all application software behaved similarly.
It is, in fact, the problems with application software that is at the core of my displeasure with Linux.
Almost every single application has, at one time or another, frozen, died, failed to respond, or otherwise misbehaved.
This even includes Firefox, my browser of choice.
Some applications are, at this present time, still non-functional in some small or large way.
I have worked through numerous problems that most of you would never even think about.

Once, upon loading an new update, the computer could not see my mouse.
I had to chase around on the internet message boards for a week to find the solution to the problem.
Once done it worked perfectly.
On another occasion my mouse wheel did not work.
The solution required that same internet chase.

None of the media applications come with the necessary plug-ins or codecs to process audio or video files, like mp3 or YouTube.
These have to be found and loaded separately.
No big deal, you say?
Sometimes yes, sometimes no.

Sometimes the newly-loaded files have to be manually moved to a particular file and/or folder for the application to see it and use it.
This is not unusual in computer software, but in more sophisticated systems this is done for you and you never know anything about it.
In Linux, you better know about it.

Anyway, a little over a week ago, I bumped into another need for a codec in order to view a DVD video, something snapped in me.
This is a simple, common task in home computers in the twenty-first century.
But not necessarily so in Linux.

I tried to find the needed codec and was unsuccessful in the first try.
And I began to seriously consider leaving Linux for something more sophisticated and less stressful.
So I began to look and study and compare, and price.
And I made a decision.
I looked for a used version of the newest model of my computer of choice (this time), and after four tries, bought it on eBay.

My "new" Apple Mini has just arrived and I am going to finish this and plug it in and see what happens.

Saturday, September 04, 2010

Historical Day

I was just a few feet into mile three of my morning walk when my left ankle fell apart.
It went from feeling fine to crunching, grinding, ouching pain in a matter of seconds.
I tried to twist my foot this way and that to ease the pain but nothing worked.
I limped along for a couple of hundred feet hoping that things would fix themselves but this did not happen.
So I turned off my course and took a shortcut back to the homestead, cutting about a half mile off the planned route.
This is only the third or fourth time I have stopped an exercise session before the planned end.
Thus, the historic day.

I limped home, did my usual clean up, and by the time I got out of the shower, my ankle seemed fine.
Go figure.
I do not understand the frailties of the human body sometimes.(assuming I have a human body...)
I have had no problems with my left ankle all day.

My mood lately can be summed up in the following -

Vapor of vapors and futility of futilities, says the Preacher.
Vapor of vapors and futility of futilities.
All is vanity, emptiness, falsity, vainglory, frustration, striving after the wind, and pointless effort.

In God we trust.
.

Tuesday, July 27, 2010

Hobby Lobby

After reading another blog from time to time, I am convinced that the management of Hobby Lobby is stupid.
They are stuck in the middle of the 20th century.
While most everyone else is using laser scanners, and computerized inventory methods to keep track of their inventory, Hobby Lobby is still doing manual counts and restock lists by hand.
Machine-based inventory tracking eliminates human typographical errors, column entry errors, and time-consuming physical movement and hand writing.
Bar code printers and readers have been around for 20 years or more.
It is time to catch up with the rest of the world.

The other thing they waste time and money on is restocking inventory.
As the blog notes, customers have a bad habit of moving stuff around the store.
It is the job of the clerks to put this stuff back where it belongs.
But someone at HL needs to do some more careful accounting.

If the company is paying its staff $10 per hour (which I think they do now) that equals 16 cents per minute (16.66666 to be exact).[after you add health insurance, overhead, other state and federal taxes, they are paying about 20 cents per minute or more.]
If a misplaced item costs less than 16 cents, it would be more cost effective to just throw the item away than to waste clerk wage dollars chasing around the store to put it back on its proper peg/shelf/slot.

Obviously, some inventory is worth more than 16 cents and it is worth the wage cost to put the stuff back where it belongs.
But that is definitely not true of much of the inventory in Hobby Lobby (or any craft store).
The middle ground on this issue is to collect all the misplaced stock and restock it when the clerk has free time.
But still, some stuff is not worth the cost of putting it back in its proper place.

"If I ran the zoo, said young Gerald McGroo
I'd make a few changes, that's what I'd do"

In God we trust.
.

Monday, July 26, 2010

ECONOMIC MALE BOVINE EXCRETION

The following is some baloney I found on the net today.
It is so riddled with economic misinformation that I could not let it stand.
This is just another communist-style class envy rant against capitalism.
My comments are in bold.
.................................................

"The Middle Class in America Is Radically Shrinking. Here Are the Stats to Prove it
Posted Jul 15, 2010 02:25pm EDT by Michael Snyder in Recession
From The Business Insider
Editor's note: Michael Snyder is editor of theeconomiccollapseblog.com
The 22 statistics detailed here prove beyond a shadow of a doubt that the middle class is being systematically wiped out of existence in America.
The rich are getting richer and the poor are getting poorer at a staggering rate. Once upon a time, the United States had the largest and most prosperous middle class in the history of the world, but now that is changing at a blinding pace."
.........
Here are the statistics to prove it:
•    83 percent of all U.S. stocks are in the hands of 1 percent of the people.

Is this measured as dollar value of all stocks or number of shares?
This is less alarming if we are measuring total dollar value.
It has always been true that the most wealthy own the greatest percentage of stocks.
This is nothing new.
It is also true that more Americans own stocks than ever.


•    61 percent of Americans "always or usually" live paycheck to paycheck, which was up from 49 percent in 2008 and 43 percent in 2007.

Is this because more Americans are making less money or because more Americans are spending more than they can afford?

•    66 percent of the income growth between 2001 and 2007 went to the top 1% of all Americans.

Is this measured by percent of income growth or by total dollars?
If this is measured by percent of income growth, then this could be a bad trend.
If this is measured by total dollars, it is not alarming.
If you make $100 dollars a week and you get a 10% raise, you get $10 more per week.
If you make $200 dollars a week and you get a 10% raise, you get $20 more per week.
Whose income grew more?
Duh, the person who was making more.
But the rate of increase was the same.


•    36 percent of Americans say that they don't contribute anything to retirement savings.

Right.
And 36 percent of Americans are under 20 years old and don't give a (beep) about retirement.
Next!


•    A staggering 43 percent of Americans have less than $10,000 saved up for retirement.

Right.
And 43 percent of Americans are under 25 years old and don't give a (beep) about retirement.
Next!


•    24 percent of American workers say that they have postponed their planned retirement age in the past year.

Sometimes this is because of personal financial difficulties.
Sometimes this is because these old geezers like their job.
Lately, this could be because the federal government is raising taxes and workers are not sure if they can afford to retire.


•    Over 1.4 million Americans filed for personal bankruptcy in 2009, which represented a 32 percent increase over 2008.

Not an unusual statistic when we have 10 percent unemployment and many people living on the edge of their income.

•    Only the top 5 percent of U.S. households have earned enough additional income to match the rise in housing costs since 1975.

We have just been through a strong housing value increase and decrease cycle caused by unrealistic federal mortgage funding requirements placed on banks.
This is an almost meaningless statistic.


•    For the first time in U.S. history, banks own a greater share of residential housing net worth in the United States than all individual Americans put together.

This would be because the total value of new houses - those with outstanding mortgages - has become larger than the total value of older houses, which are mostly paid for, or have smaller unpaid balances.
Which is worth more, my 40 year old house with a $50,000 balance, or a 2 year old house with a $100,000 balance?
Duh.


•    In 1950, the ratio of the average executive's paycheck to the average worker's paycheck was about 30 to 1. Since the year 2000, that ratio has exploded to between 300 to 500 to one.

More communist class-envy bait.
Increased productivity has reduced the number of workers needed to build products.
Thus there are fewer line workers in relation to the number of executives.
This tilts the ratio in favor of the execs.


•    As of 2007, the bottom 80 percent of American households held about 7% of the liquid financial assets.

Depending on the definition of "liquid assets" meant here - usually cash and savings- this is not alarming in itself.
Generally, the poorer a family is, the more of their cash they must spend on everyday expenses, as opposed to a more wealthy family which can hold more of their cash as savings.


•    The bottom 50 percent of income earners in the United States now collectively own less than 1 percent of the nation’s wealth.

Many of the bottom 50 percent of "income earners" (not defined for us) are on government welfare, food stamps, live in government-subsidized housing, or are students flipping burgers on a part-time basis.
The federal Earned Income Tax Credit is classified as "income" and millions of low income people qualify for this benefit.
If you rent your home or apartment, you "own" less than someone who is paying the same amount as your rent on a mortgage.
Even thought they don't technically "own" their house.
For purposes of this statistic, they do.



•    Average Wall Street bonuses for 2009 were up 17 percent when compared with 2008.

Wow!
Could this be because the stock market was up 17 percent in 2009 over 2008????
More communist class-envy bait.


•    In the United States, the average federal worker now earns 60% MORE than the average worker in the private sector.

This is very likely because on the increase in federal labor union membership.
While this item is meant to make us feel sorry for the poor downtrodden masses of private sector workers, it makes me wonder why our tax dollars are being wasted on overpaid federal workers.
This tilt also comes from the fact that many private sector jobs are in the lower paying retail and service industries (store clerks, restaurants, etc.) staffed by younger workers who are still in school or just out of school.
This lowers the AVERAGE earnings of private sector workers.
The federal jobs are generally staffed by older, more educated workers who have been working longer and thus earn more money.


•    The top 1 percent of U.S. households own nearly twice as much of America's corporate wealth as they did just 15 years ago.

If this is measured in dollars then this is no shocking news.
The dollar value of everything is nearly twice as much (or more) as it was 15 years ago.
If this is measured in total value of stock owned, this is still no big deal.
More executives are "paid" with company stock and/or stock options.


•    In America today, the average time needed to find a job has risen to a record 35.2 weeks.

Duh.
We are in the middle of a recession.
The average time needed to find a job always increases in recessions.
Not a good thing, but not abnormal, either.


•    More than 40 percent of Americans who actually are employed are now working in service jobs, which are often very low paying.

Perhaps true.
But many of these workers are students working part time to pay for their education.
They will only work in these jobs until they graduate and are qualified for better-paying full-time jobs.
Many other workers in these jobs are spouses working to augment their household income a little.
This is not the main income for the family.


•    or the first time in U.S. history, more than 40 million Americans are on food stamps, and the U.S. Department of Agriculture projects that number will go up to 43 million Americans in 2011.

Perhaps true.
However, as the total U.S. population increases, and the percentage of unemployed workers/poor people remains the same, the number of people on food stamps will increase.
It is also not astounding that during a recession, there are more people applying for food stamps while they are unemployed.


•    This is what American workers now must compete against: in China a garment worker makes approximately 86 cents an hour and in Cambodia a garment worker makes approximately 22 cents an hour.

Perhaps true.
But it also costs money to ship those Chinese-made and Cambodian-made products back here for sale.
BTW, there have been several strikes by Chinese auto workers demanding more money in recent months. (which they received)


•    Approximately 21 percent of all children in the United States are living below the poverty line in 2010 - the highest rate in 20 years.

Perhaps true.
But could this be because many of these children are born to poor black mothers who are promiscuous and believe that having more children will allow them to receive increased federal tax benefits, increased food stamp allowances, and increased rent subsidies?
It is also because many of these children have a mother who has been abandoned or divorced by her husband and must work a lower-paying job to support her family.
This is more of a moral issue than an economic issue.


•    Despite the financial crisis, the number of millionaires in the United States rose a whopping 16 percent to 7.8 million in 2009.

Most of the wealthy are not affected by recessions.
If you have 10 million dollars and you lose half of it in a recession, does that really affect how much you spend for food this week?


•    The top 10 percent of Americans now earn around 50 percent of our national income.

And they pay 96 percent of all personal income taxes.
Your point?

Tuesday, July 06, 2010

Sum Thots on Non-Insurance

Think about this.

Let's say you buy a new car.
Let's say it cost $20,000.
You call your insurance person and tell them you bought such-and-such new car for $20,000.
The insurance person may ask a couple of questions about options or features or horsepower, and how far you drive to work, etc.
The usual insurance questions.
Then the insurance person says that your annual insurance bill will be, say, $500.
You accept this price with the assumption that if you are involved in a collision that the insurance company will pay to fix it, or if your car is damaged badly enough that it is more cost effective to replace the car rather than repair it ("total loss" or "totaled"), the insurance company will pay you enough money to replace it.
Right?
Wrong.
Stay with me.

For the sake of simplicity, lets say that the cost to replace your new car, should it be in a collision and is damaged badly enough that it is more cost effective to replace it rather than repair it, remains the same for the rest of the year - $20,000.
So your insurance rate should remain the same for that first year of ownership.
Still with me?

Think about this -
If, while still on the dealer's lot, you finish signing your papers, jump in your brand new car, start it up and it catches fire.
You jump out of your new car and watch helplessly as it burns to a rusted metal shell on the dealer's lot.
The insurance company will likely pay you $20,000 to replace the car.
Your annual insurance cost: $500.

Let's say you have signed your papers at the car dealer, and pull out of the dealer lot in your brand new car, and are broadsided by a truck 50 feet from the dealer's driveway.
The insurance company will probably pay you $20,000 to replace your new car.
Your annual insurance cost: $500.

One year after you bought your car, you are driving along the street in front of the car dealer where you bought your car and are broadsided by a truck 50 feet from the dealer's driveway. The insurance company will pay you enough to buy a one-year-old version of your wrecked car - about $14,000 (not a new one - $20,000).
Your annual insurance cost: $500.

Five years after you bought your car, you are driving along the street in front of the car dealer where you bought your car and are broadsided by a truck 50 feet from the dealer's driveway. The insurance company will pay you enough to buy a five-year-old version of your wrecked car - about $7,000 (not a new one - $20,000).
Your annual insurance cost: $500.
Huh?
Why is this?

There are two facts about car insurance that are in play here.
1 - Your car insurance only covers the CURRENT value of your car - not replacement value.
2 - Your insurance cost never goes down, even though the value of your car changes.

The replacement values used in the examples above were based on the following figures:
It is a verifiable fact that as soon as you drive a new car off the dealer's lot, it loses about 15-20% of its new value.
At the end of the first year of ownership your new car will have lost from 25% to 35% of its new value.
At the end of five years of ownership, your new car will have lost from 60% to 65% if its new value.

So, based on the above facts about depreciation, if the value of your car goes down every year, why doesn't your (collision) insurance cost go down by the same amount?
In theory, if your insurance cost doesn't go down every year, then your insurance should cover the cost of a NEW car, of equal value to your car when it was new, no matter when you "total" your car.

In fact, you should be able to buy an insurance policy to replace your car AT ANY TIME with a new version of that same car.
The cost of this type of policy would likely increase each year because the cost of a new replacement vehicle typically increases each new model year.
But you would still be able to replace your smashed car with a new one.
But you cannot buy such an insurance policy.
They do not exist.
Why can't you buy such a policy?

The reason, as explained by my insurance agent, is customer fraud.
If some people knew that they could get a new car to replace their current older car, simply by crashing it, they would do it.
So, to reduce the likelihood of customer fraud, the insurance companies do not sell full replacement value vehicle policies.

The same is true of house insurance.
You cannot buy an insurance policy that will fully replace the CURRENT value of your house and its contents.
The example given to me was similar to this:
Say, your current house is 20 years old and currently worth $75,000. The cost to build the identical house today is $100,000.
Some people would burn their current house down in order to cause the insurance company to build a new replacement house worth $100,000.
So the insurance companies will not sell full replacement homeowners policies.
Thus, if your 20 year old house burns down, the insurance company will only pay you $75,000 to "replace" your house.
Guess who gets to pick up the difference?

Enjoy your freedoms while you still can,
You will not have them much longer.

In God we trust....
.

Saturday, July 03, 2010

Another Run

I know both of you don't care about this very much.
If so, you can move on to more interesting stuff.

Ever since my walk last Saturday morning, I have been thinking about running up Bankhead Parkway again.
I made no conscious plans this past week, but had a open mind to the alternative to walking around my neighborhood.
I stayed up too late again last night - though not as late as some of the Nordstrom clan.....

So this morning, when I woke up before 5, I considered it an omen for a good chance to be with my old friend.
I have said this before, but I cannot say it enough - I love running.
I know it is irrational, but it is still a fact.
It surprises me how much I love to run.
Certainly my addiction to endorphins produced by the activity has to be part of it.

Anyway, after a face shave, I donned my running/walking costume and gathered up my after-run towels, water bottle, neck keys, hankie, and out the door I went.
As the plan always is these days, I would try to run the whole way.
If something broke, I would walk.
Either way it would be a good (= more taxing than my usual flat neighborhood course) workout.

I drove to Pratt Avenue and turned onto Grayson and parked the car.
I walked the few dozen feet back to Pratt wondering how long I would walk before I started to run.
I barely made it across the street before I started the engine.
Carefully, at first.
Small steps, not a lot of dig or thrust.
I wanted to let everything warm up a bit.
Though I was on an incline, it is more gradual on Pratt than Bankhead (for those who do not know, Pratt becomes Bankhead at the base of Monte Sano).
So, the reasoning was, just run the more gentle incline of Pratt and let that quarter mile or so be the warm-up.
And it was so.

The gradual left turn onto Bankhead Parkway included a not-so-subtle increase in grade, as well.
It was time to go to work.
I was already breathing heavily (but comfortably) and did not want to start the 3/4 mile or so hill at max VO2.
So I dialed back my pace a bit, even though the race horse in me was wanting to get on with it.

Having not run regularly in over a year (I stopped doing that after the 2009 Cotton Row Run), and run this same course over a month ago (maybe two or three), I knew I was out of shape for running to some degree.
But I knew that I could prolly do this without major problems because I had surprised myself at that last session.
So I took it easy and took the hill - about 200 feet in about a mile.

All joints and connections seemed to be pleased with the work at hand.
It was my breathing that was the concern.
A couple of times I flirted with the thought of stopping and walking but the runner in me and ego would have none of it.
So onward we ran.
I had to keep holding my pace down to keep my breathing at the level I wanted, though no one would fault me if I allowed my elevated respiration rate to kick in.
After all, I WAS running up a big hill.
But I wanted all things respiratory to remain nice and tidy.
And it was so.

When I got to Tollgate, I was looking forward to its relatively flat topography.
I felt good and the worst (well, most of it) was over.
By the time I reached Mountainwood Drive, I was a very happy old man.
I stopped and retied my right shoelace, which had suddenly begun to feel loose.
Then it was a walk down Mountainwood.
One of the steepest roads I have ever seen.

At the bottom, I noticed that Owens Drive had been repaved.
I wished that I was in shape to run the whole Cotton Row course again so that I could pad up the nice, new surface of Owens.
Oh well....

I turned around in the cul-de-sec and started up Mountainwood.
As has been my practice for several years of running this course, I walked up the steepest part of Mountainwood that is paved with concrete and began running when the grade leveled a little and the paving changed to asphalt.
It was a slog, but I took baby steps and just worked it a foot or so at a time.
This was not a race and I knew I was fragile (or assumed so).

It was on the return trip along Tollgate that I saw another runner.
She was almost a quarter mile away when I first noticed her.
Pale blue top, black shorts.
At that point I was not sure of the gender because of the powerful strides she was taking.
Then I saw the golden pony tail wagging side to side.
But that stride; I was impressed.
And envious.

She did not take the little short girly steps that many women do.
This lady lifted her knees almost even with her hips and took great chunks of territory with each step.
And yet, as we closed in on each other, she did not seem to be working hard (envy again - I was breathing like I was, well, running).
And it was early; only 6 or so.
And no iPod - good for her (one of the dumbest things a woman can do while running or walking).
This lady was a serious runner.
WAY out of my league.
I looked closely to see if I knew her from past races, but I could not be sure.
I waved, she said hi, then she was gone.
Do I need to say, I was impressed?
I was impressed.

I turned left onto Bankhead for the downhill jaunt.
This was the easy part, as far as breathing is concerned.
I was more concerned about joints and connective tissue at this point because of past history.
Many times in jaunts gone by, I have had foot, ankle, knee or hip issues on this very patch of road.
Part of it could attributed to the fact that I had already run three miles up hill.
But some of it had to do with the pitch of this stretch of the course.

And so it was today.
Not long after I landed on Bankhead, my left knee started whining with a sharp ouch just to the inside of my kneecap.
I wondered why; I had been trying to keep my left foot from flopping about, as it is wont to do.
I had not taken any awkward steps with my left foot, that I could recall.
So why the pain?
The question, briefly, was taken up by Running Central, is this the end of the run?
But before a vote could be taken, the pain went away.
Fffitt!
Gone.
As so many - if not all - of my running pains have done.

And on we jogged.
Happy as a dead pig in the sunshine. (as they say)
At the bottom of the hill, Bankhead became Pratt once again and I cruised onto the less steep decline, loving every moment.
This (other than every finish line) was my favorite part of this course.
The gentle decline seemed to help me to float along the road.
Breathing at this point was up into my accelerated zone, but I was less than a quarter mile from the end.
It was time to let it all out.

When I reached my car, I wanted to keep going, just as I had last time I did this.
But I stopped.
I walked to the next street to cool down, turned around and walked back to my car.
Sweaty, tired, jacked up on endorphins, I felt awesomely.

According to Map My Run, this course is 1.62 miles one way.
Close enough to three miles to suit me.

In God we trust...
.

ON BEING A JANITOR

April 15 th of 2013 was my last year to work for HR Block. I disliked the corporate pressure to make us call customers to try to sel...