Time seems to go by so quickly, and sometimes we get so involved in our own lives, we lose track of what's going on elsewhere in the world -- who is still with us and who has passed on.
Do you think it's morbid to guess whether these people are alive or dead? All these Baby Boomer icons have seen their time come and go, whether they're still alive or not, but I think they would be thankful if we pause at the end of 2011 and remember their contributions to our life and our culture -- what they did, what they meant to us, and where they may be today.
So in that spirit, can you guess: Who among these Baby Boomer icons is alive? And who is dead?
1) 1972 presidential candidate George McGovern Alive or Dead
2) 1984 vice presidential candidate Geraldine Ferraro Alive Dead
3) 1950s crooner Pat Boone Alive Dead
4) Actor Fess Parker Alive Dead
5) Jurassic Park writer Michael Crichton Alive Dead
6) Italian actress Sophia Loren Alive Dead
7) Actor Sidney Poitier Alive Dead
8) Twister Chubby Checker Alive Dead
9) Willie Mays Alive Dead
10) Jaws writer Peter Benchley Alive Dead
11) Elizabeth Taylor Alive Dead
12) Heiress kidnapping victim Patty Hearst Alive Dead
13) Quarterback Roger Staubach Alive Dead
14) Comedian Rodney Dangerfield Alive Dead
15) Singer Gladys Knight Alive Dead
For the answers, check back here next week -- same time, same place. Meantime, Happy New Year to everybody, and may we all thrive in 2012!
A Baby Boomer looks at health, finance, retirement, grown-up children and ... how time flies.
"I can't be a pessimist, because I'm alive. To be a pessimist means that you have agreed that human life is an academic matter." -- James Baldwin
Friday, December 30, 2011
Monday, December 26, 2011
Plus Ca Change ...
Reading about the dismal economy, the political weakness of the president, and the ridiculous antics of the Republican presidential contenders, I can’t help but think that I've seen it all before. In 1979, to be exact.
Not to make any political predictions -- it’s just that when you’ve reached a certain age, it seems as though you’ve seen it all before. Just consider:
In 1979, the approval rating for President Jimmy Carter limped along at 45% -- the lowest rating in a president’s first term since President Harry Truman in the late 1940s.
In 2011, President Barack Obama’s approval rating, according to the latest Gallup poll, sits at 44% -- even weaker than Carter’s and, yes, the lowest rating for a president’s first term since Harry Truman in the late 1940s. (To be completely accurate, lower results were polled by Presidents Nixon and Bush, but only during their second terms.)
In 1979, the Dow Jones Industrial Average was mired in the late ‘70s economic doldrums. After ten years of subpar performance, the stock market could still only manage a paltry 4% increase for the year.
In 2011, the Dow is mired in continuing economic doldrums. Even after a decade of underperformance, the Dow today is higher by just 4% for the year.
Because of economic uncertainty in 1979, the price of gold shot up from $220 per ounce to $500 an ounce, the equivalent of about $1,300 today. (It was on its way to an early 1980 peak of just over $800 an ounce, the equivalent of about $2,100 in today’s dollars.)
Because of economic uncertainty in 2011, gold increased from about $1,300 an ounce at the beginning of the year to $1,740 on December 1. The price has since sagged to $1600, but is still up over 20% for the year.
In 1979, the price of oil reached a then-record price of $25 per barrel – today’s equivalent of about $70.
In 2011, the price of oil bubbled back above $100 a barrel, for the first time since 2008.
In 1979, the Three Mile Island nuclear accident occurred in Pennsylvania. In 2011 nuclear disaster was revisited in Fukushima, Japan.
In 1979 Margaret Thatcher was elected the first female prime minister of the U.K. Now in 2011 Angela Merkel, the first female German chancellor, rules supreme in Europe. And at the end of 2011 Meryl Streep stars in The Iron Lady, a bio pic about none other than ... Margaret Thatcher.
In 1979 the Ayatollah Khomeini returned to Iran, seized power from the autocratic Shah and declared an Islamic republic. Americans were taken hostage at the embassy in Tehran.
In 2011 revolutions in Tunisia, Egypt, Libya and elsewhere throw out long-standing Muslim autocrats. The latest election in Egypt pushes Islamists to the forefront of political power. Americans are leaving Iraq after ten years of "peacekeeping."
In 1979 a gaggle of seemingly ridiculous Republican challengers were vying to unseat an unpopular Democratic president – including ultraconservative former governor Ronald Reagan, former CIA director George Bush, Sen. Howard Baker, Sen. Robert Dole, Reps. John Anderson and Phil Crane, and former Texas Governor John Connelly.
Remember how the Republican candidates competed with one another in a series of state caucuses that came to be known derisively as "cattle calls?" After George Bush won in Iowa he pronounced that he had the "Big Mo," until Reagan sponsored a debate in New Hampshire when he somehow stole headlines after the director tried to mute the frontrunner's microphone and Reagan snapped back, "I am paying for this microphone, Mr. Green."
Now, in 2011, a gaggle of seemingly ridiculous Republican challengers are vying to unseat an unpopular Democratic president – including former governors Mitt Romney and Jon Huntsman, Texas Governor Rick Perry, and Reps. Newt Gingrich, Michelle Bachmann and Ron Paul.
We don't yet have our age-defining sound bite. But no doubt it will come. And I wonder who among the Republican contenders will be left standing after Iowa? The pundits say three: Romney and two others. Any idea who they might be?
Just a few notable differences: At the end of 1979 the inflation rate in the U. S. had ballooned to 13%, and interest rates floated along at 15%. Today the inflation rate is just 3%. Interest rates are closer to 2%.
And in 1979 the unemployment rate was considered high at 6%. Today, people are actually cheering that the unemployment rate has dipped below 9%.
Still, if I was French, I’d be saying, "Plus ça change, plus c’est la même chose."
Meanwhile, a propos of nothing, here's the Smashing Pumpkins hit song 1979, released in 1996, that starts out, "Shakedown 1979, cool kids never have the time ..."
Thursday, December 22, 2011
A Mea Culpa for Christmas
B's family is arriving tomorrow, two days earlier than originally planned. They will leave on Monday, the 26th -- as opposed to what I'd feared, which was that her family would arrive on Christmas night when my own two kids are coming for a visit, and the whole crowd would overlap for three frazzled, frustrating days.
B and I do not have a blended family. We have two separate families. We each had two kids from a previous marriage when we got together in our 50s. Our kids were mostly grown up by that time, and we have never all lived together as a family. So, while the two sets of kids are cordial to one another, they have never really bonded. They have different interests and different friends.
Meanwhile, B has a whole pack of siblings. My kids have met a few of her relatives, but not all of them by far.
So now, anyway, the whole big crowd will overlap for only one night. B's family, now that they'll be here earlier, will actually have beds to sleep in. And when my kids arrive, at least after the first night, they will not be forced to share the beds, the kitchen, the couches and the TV with B's herd of relatives.
B talked to her sister a couple of days ago. They rearranged the visit -- and I know B did this primarily for my benefit, and so first of all, a big apology for ever thinking she had a selfish bone in her body. And a big thank you for empathizing with my familial concerns. And I'm left to ponder: Who's now proved to be the selfish one?
Part of the reason B rescheduled her sister's visit was because B has to work the week after Christmas, or most of the time her sister and mother were originally going to be here. And part of the reason is ... well, I think she took pity on me.
I woke up Tuesday morning, and my back felt a little out of sorts. In the afternoon I had to run some errands. So around 2 p.m. I went into the garage, opened my car door, slipped into the driver's seat -- and something snapped in my lower back.
My pain level jumped from an uncomfortable 2 or 3, to a debilitating 7 or 8. I limped upstairs, grabbed a couple of aspirin, then went back out to the car and drove off to do the errands that had to be done. Three hours later -- about 1 1/2 hours sitting behind the wheel -- I pulled back into our garage, crawled out of the car and made my way into the house. I spent the entire evening popping aspirin, sitting in my chair that has an electric massage attached to it, and moaning and groaning in front of the TV.
I was trepidacious about going to bed. But I found that the back was okay as long as I lay on my side. I nodded off, but woke up around 4 a.m. and could not get back to sleep. I went downstairs, heated up some milk, read my book for a while. I returned to bed around 6 a.m. and managed another hour or two of sleep.
At breakfast B asked me what had gotten me up in the night -- my back?
"Yeah," I lied. But the truth is, I was really lying awake worrying about the awkward family gathering I was facing in a few days time.
I switched my painkiller from aspirin to Advil. Seems to work better for the back. I spent the morning doing some light stretching, sitting in my massage chair and walking slowly around the house. My back hurt if I sat for too long; but it got tired if I walked around for too long. So I alternated between the two.
Before she left for work on Wednesday, B showed me some back exercises -- which I did several times throughout the day. Also, I took a long hot shower, and went to the mall for a back massage from the Korean lady who has a chair outside the food court. By the time B got home for dinner, I was feeling better. But B already felt sorry for me. She had called her sister and rescheduled her family visit.
In the meantime, I appreciate the advice I got as comments to my last post -- especially the ones reminding me that it's a lot better to experience a few family difficulties than it is to spend Christmas alone.
I feel a little guilty that I complained and sulked until B decided she had to change her plans. (But, believe me, I wasn't faking about the back.) I think she'll be able to enjoy the visit with her family more this way, though, since she won't be working while they're here. I also feel bad because her family will have to leave really early on the day after Christmas -- her brother has to work later in the day. But all in all, I believe things will work out better this way. At least, I hope so.
Meanwhile, I think I hear Santa loading up his sleigh. I wonder if it's too late to add one more thing to my Christmas list.
Santa, can I have a healthy, pain-free back for 2012?
The pain had ebbed a bit when I got out of bed this morning. Maybe it will be all better by Christmas day. In the meantime, Merry Christmas to all, and to all a good night!
B and I do not have a blended family. We have two separate families. We each had two kids from a previous marriage when we got together in our 50s. Our kids were mostly grown up by that time, and we have never all lived together as a family. So, while the two sets of kids are cordial to one another, they have never really bonded. They have different interests and different friends.
Meanwhile, B has a whole pack of siblings. My kids have met a few of her relatives, but not all of them by far.
So now, anyway, the whole big crowd will overlap for only one night. B's family, now that they'll be here earlier, will actually have beds to sleep in. And when my kids arrive, at least after the first night, they will not be forced to share the beds, the kitchen, the couches and the TV with B's herd of relatives.
B talked to her sister a couple of days ago. They rearranged the visit -- and I know B did this primarily for my benefit, and so first of all, a big apology for ever thinking she had a selfish bone in her body. And a big thank you for empathizing with my familial concerns. And I'm left to ponder: Who's now proved to be the selfish one?
Part of the reason B rescheduled her sister's visit was because B has to work the week after Christmas, or most of the time her sister and mother were originally going to be here. And part of the reason is ... well, I think she took pity on me.
I woke up Tuesday morning, and my back felt a little out of sorts. In the afternoon I had to run some errands. So around 2 p.m. I went into the garage, opened my car door, slipped into the driver's seat -- and something snapped in my lower back.
My pain level jumped from an uncomfortable 2 or 3, to a debilitating 7 or 8. I limped upstairs, grabbed a couple of aspirin, then went back out to the car and drove off to do the errands that had to be done. Three hours later -- about 1 1/2 hours sitting behind the wheel -- I pulled back into our garage, crawled out of the car and made my way into the house. I spent the entire evening popping aspirin, sitting in my chair that has an electric massage attached to it, and moaning and groaning in front of the TV.
I was trepidacious about going to bed. But I found that the back was okay as long as I lay on my side. I nodded off, but woke up around 4 a.m. and could not get back to sleep. I went downstairs, heated up some milk, read my book for a while. I returned to bed around 6 a.m. and managed another hour or two of sleep.
At breakfast B asked me what had gotten me up in the night -- my back?
"Yeah," I lied. But the truth is, I was really lying awake worrying about the awkward family gathering I was facing in a few days time.
I switched my painkiller from aspirin to Advil. Seems to work better for the back. I spent the morning doing some light stretching, sitting in my massage chair and walking slowly around the house. My back hurt if I sat for too long; but it got tired if I walked around for too long. So I alternated between the two.
Before she left for work on Wednesday, B showed me some back exercises -- which I did several times throughout the day. Also, I took a long hot shower, and went to the mall for a back massage from the Korean lady who has a chair outside the food court. By the time B got home for dinner, I was feeling better. But B already felt sorry for me. She had called her sister and rescheduled her family visit.
In the meantime, I appreciate the advice I got as comments to my last post -- especially the ones reminding me that it's a lot better to experience a few family difficulties than it is to spend Christmas alone.
I feel a little guilty that I complained and sulked until B decided she had to change her plans. (But, believe me, I wasn't faking about the back.) I think she'll be able to enjoy the visit with her family more this way, though, since she won't be working while they're here. I also feel bad because her family will have to leave really early on the day after Christmas -- her brother has to work later in the day. But all in all, I believe things will work out better this way. At least, I hope so.
Meanwhile, I think I hear Santa loading up his sleigh. I wonder if it's too late to add one more thing to my Christmas list.
Santa, can I have a healthy, pain-free back for 2012?
The pain had ebbed a bit when I got out of bed this morning. Maybe it will be all better by Christmas day. In the meantime, Merry Christmas to all, and to all a good night!
Tuesday, December 20, 2011
Christmas Conflict
I'm not sure if this problem is a function of our stage in life -- with the kids now living on their own and wanting to come home for Christmas. Or if it's a function of a second family -- her family and my family coming for Christmas, and not having enough room for everybody. And so ... what do we do?!?
The irony is, of course, that as of yesterday -- just yesterday -- B and I are living alone, just the two of us. Her older son has finally moved out, after 2 1/2 sometimes-stressful post-college years.
But as of right now, we have 9 people scheduled to be sleeping at our house for the three days after Christmas. And we only have 5 beds -- accommodating 6 people, assuming B and I are still sleeping together after this is all over.
My daughter, who's in graduate school, is scheduled to arrive at our house on Christmas night. She said she's staying for three or four days. She'd arranged this a while ago. My son, who lives in New York City, said he'd like to come out to visit while his sister is here.
B's older son now has his own apartment. But her younger son is coming home from college, and he'll be here for two weeks. And then B invited her sister to come for Christmas. B and her sister and their mother have always gotten together for a few days sometime around Christmas. This year B wanted her sister to make the trip to visit us, since B has to work the week between Christmas and New Year's.
B's sister just emailed us this morning to say, great, she'll be arriving on Christmas night, and they'll stay for three days. And the good news is that, this time, her husband will come with her (he usually doesn't). And also their brother decided to come as well. And then -- icing on the cake -- their other brother in Boston decided he and his wife should come down to join the party, although they'll only stay one day and they'll spend the night in a hotel.
I had suggested to B that maybe she should call her sister, and tell her the situation -- that if they come for the three days after Christmas, the house will be very crowded and someone will have to sleep on the floor. (No, B's sister and her husband do not stay at a hotel ... don't ask.) Maybe, instead, they could come for a couple of days before Christmas, or sometime the next weekend, for New Year's, after my kids had left.
For some reason, B does not want to do that. But even assuming we figure out the sleeping arrangements, I'm not happy that my kids are going to be here, trying to visit with me, when the house is overrun with B's family. Won't that be awkward? Won't that make my kids feel as like it's not their home at all -- but this other family's home where their dad just happens to share a room?
To be fair, B's family is very nice. I've met them all, and they are friendly and accommodating (which is why I thought they'd accommodate a slight change in their plans). But I'm afraid they'll just engulf the house, overrun the place, and make it their family Christmas, and my own kids and I will be pushed aside -- footnotes to the festivities. And I don't want my kids to be footnotes to the family. They are just as important as her kids, even if they don't spend nearly as much time here.
I dunno, I keep telling myself to be fair; to be considerate of B, to welcome her family and we can all have fun together. But, honestly, I'm a little pissed off that she won't even try to reschedule things. She cannot bear the thought of asking her sister to change any plans, of inconveniencing her family. My family just has to fit in around her schedule.
But I'm still trying to look at the bright side. Maybe we can all play table tennis. We have a Ping Pong table in the basement, and all the guys play. (Why is it girls don't like table tennis -- or is it just in my family?) The two best players in the crowd are my son, and B's brother in law. They've never met, and I wouldn't mind seeing them go head-to-head. See who would win.
The irony is, of course, that as of yesterday -- just yesterday -- B and I are living alone, just the two of us. Her older son has finally moved out, after 2 1/2 sometimes-stressful post-college years.
Christmas will be stressful, but I hope not explosive. |
My daughter, who's in graduate school, is scheduled to arrive at our house on Christmas night. She said she's staying for three or four days. She'd arranged this a while ago. My son, who lives in New York City, said he'd like to come out to visit while his sister is here.
B's older son now has his own apartment. But her younger son is coming home from college, and he'll be here for two weeks. And then B invited her sister to come for Christmas. B and her sister and their mother have always gotten together for a few days sometime around Christmas. This year B wanted her sister to make the trip to visit us, since B has to work the week between Christmas and New Year's.
B's sister just emailed us this morning to say, great, she'll be arriving on Christmas night, and they'll stay for three days. And the good news is that, this time, her husband will come with her (he usually doesn't). And also their brother decided to come as well. And then -- icing on the cake -- their other brother in Boston decided he and his wife should come down to join the party, although they'll only stay one day and they'll spend the night in a hotel.
I had suggested to B that maybe she should call her sister, and tell her the situation -- that if they come for the three days after Christmas, the house will be very crowded and someone will have to sleep on the floor. (No, B's sister and her husband do not stay at a hotel ... don't ask.) Maybe, instead, they could come for a couple of days before Christmas, or sometime the next weekend, for New Year's, after my kids had left.
For some reason, B does not want to do that. But even assuming we figure out the sleeping arrangements, I'm not happy that my kids are going to be here, trying to visit with me, when the house is overrun with B's family. Won't that be awkward? Won't that make my kids feel as like it's not their home at all -- but this other family's home where their dad just happens to share a room?
To be fair, B's family is very nice. I've met them all, and they are friendly and accommodating (which is why I thought they'd accommodate a slight change in their plans). But I'm afraid they'll just engulf the house, overrun the place, and make it their family Christmas, and my own kids and I will be pushed aside -- footnotes to the festivities. And I don't want my kids to be footnotes to the family. They are just as important as her kids, even if they don't spend nearly as much time here.
I dunno, I keep telling myself to be fair; to be considerate of B, to welcome her family and we can all have fun together. But, honestly, I'm a little pissed off that she won't even try to reschedule things. She cannot bear the thought of asking her sister to change any plans, of inconveniencing her family. My family just has to fit in around her schedule.
But I'm still trying to look at the bright side. Maybe we can all play table tennis. We have a Ping Pong table in the basement, and all the guys play. (Why is it girls don't like table tennis -- or is it just in my family?) The two best players in the crowd are my son, and B's brother in law. They've never met, and I wouldn't mind seeing them go head-to-head. See who would win.
Monday, December 19, 2011
Blogging Boomers Carnival
The most recent contributor to our Blogging Boomers Carnival comes from the far-off sands of Dubai, in the United Arab Emirates, where she has lived for the past two years. Today she's gathered together under her Christmas tree all kinds of Boomer postings that address seasonal issues ranging from family to food to finances.
You don't have to wander through the desert to find our newest blogging boomer. Just rub on this magic link, Arabian Tales and Other Amazing Adventures, and you will instantly be transported to this welcoming oasis that awaits you with exotic tales from distant lands.
You don't have to wander through the desert to find our newest blogging boomer. Just rub on this magic link, Arabian Tales and Other Amazing Adventures, and you will instantly be transported to this welcoming oasis that awaits you with exotic tales from distant lands.
Saturday, December 17, 2011
"Just Tell Me the Real Price, Please!"
Something's been bothering me lately. It's all the extra surcharges that seem to have cropped up, anywhere and everywhere you buy something.
It hit home when I started booking my February trip to Arizona and California. Forget the airline, which is going to charge me for having the audacity, the sheer nerve, to bring a suitcase along with me. I'm thinking of the one-week rental I'm taking in San Diego. There's the base price of $1,299 for the week. It's expensive; but four of us will be there for at least part of the time, so we need two bedrooms, and when we split up the cost it's not all that much.
But wait ... that just scratches the surface. There's an 11 percent hotel tax. Okay ... you gotta pay the government. Then there's a $125 cleaning fee. Don'cha think that's kind of steep for a two-bedroom townhouse?
But that's not all. There's a "Peace of Mind" damage insurance fee of $25 that covers breakage. It's mandatory. You pay $25 whether you break something or not.
You can opt for additional coverage, at more expense of course. And you can buy travel insurance -- because if you cancel for any reason, including serious illness, the rental office will only refund your money if they rent out the premises to someone else. And even then they'll exact a 10% penalty.
There are yet more optional charges, but you get the picture. The $1,299 rental will really end up costing north of $1,600.
Okay, you say, don't deal with these people if you don't like it. But, unfortunately, I see this kind of transaction becoming the norm, rather than the exception.
Avoid those fees if you can. If you can’t, say something, just so they know you’re “on” to them.
Unless . . . if we could figure out how to add some extra fees into our paychecks or Social Security checks. Imagine looking at your pay stub and seeing a couple of extra line items – you collect an extra $140 as a “work optional” fee and another $75 as a “showing up” fee.
Yeah, that’ll happen.
It hit home when I started booking my February trip to Arizona and California. Forget the airline, which is going to charge me for having the audacity, the sheer nerve, to bring a suitcase along with me. I'm thinking of the one-week rental I'm taking in San Diego. There's the base price of $1,299 for the week. It's expensive; but four of us will be there for at least part of the time, so we need two bedrooms, and when we split up the cost it's not all that much.
But wait ... that just scratches the surface. There's an 11 percent hotel tax. Okay ... you gotta pay the government. Then there's a $125 cleaning fee. Don'cha think that's kind of steep for a two-bedroom townhouse?
But that's not all. There's a "Peace of Mind" damage insurance fee of $25 that covers breakage. It's mandatory. You pay $25 whether you break something or not.
You can opt for additional coverage, at more expense of course. And you can buy travel insurance -- because if you cancel for any reason, including serious illness, the rental office will only refund your money if they rent out the premises to someone else. And even then they'll exact a 10% penalty.
There are yet more optional charges, but you get the picture. The $1,299 rental will really end up costing north of $1,600.
Okay, you say, don't deal with these people if you don't like it. But, unfortunately, I see this kind of transaction becoming the norm, rather than the exception.
It used to be only car dealers who tried to pull these shenanigans. They advertise one low price. But before you drive out of the showroom, they’ve somehow added on a list of fees like the “sports package,” the “safety option” and the “destination charge.” Then there’s the sales tax. And the financing charges. And if you lease a car? The extra fees just pile up faster.
Last year I bought a car through one of the big box stores. I refused all the extra options. It was about as simple a purchase as you can get. Yet even with that, there was quite a difference between the advertised price, or what I think of as the “base price” and the real price I had to pay.
The price of the car was $27,653. But that was the base price. Once we added the destination charge, the state tax, and three or four hidden charges (including something called a “Dealer Optional Fee,” whatever that is) the actual cost was $30,385. An extra $2,732. Almost 10 percent more. And that’s without the financing costs.
Unfortunately, instead of the car companies getting better, the rest of the consumer universe is getting worse. I bought two new tires. “Oh, it’s not bad,” the auto mechanic assured me, “only 99 bucks a piece.” But once he added the weight charge, the EPA tire fee, the balancing fee and the local tax, the real price for two tires was $258. An extra 30 percent!
Auto insurance? By the time they tote it all up, it’s twice what the basic rate is. And the bill adds insult to injury with a $5 “Law Enforcement Fee.” I don’t know what that is, except it probably makes it easier for the police to give me a ticket.
And have you looked at your cable bill, or your cellphone bill? My basic phone and email charge is $101. But add up all the service charges, administrative charges, usage charges, surcharges and state and local taxes, and the monthly bill comes to $155.
I bought two tickets to a sports event, for $60 each. They wanted to charge me extra -- to print the ticket from my computer! I skipped that (they sent tickets by mail for free), but still got assessed a “convenience fee” and an “order processing fee” and instead of $120, it was $139.25.
I purchased two tickets to a Shakespeare production. In addition to the ticket price, I had to pay a “facilities fee” and an “online processing fee.” What would the Bard say about that?
I’m not detailing all these annoying, and ultimately expensive, fees just to complain. Instead, consider this a warning. A wake-up call. When you budget for a new purchase, make sure you account for the difference between the “base price” and the real price. And you might consider this: The bigger the difference, the more the business is being dishonest. It’s trying to “bait” you with a seemingly low price, then “switch” you to a higher price.
Last year I bought a car through one of the big box stores. I refused all the extra options. It was about as simple a purchase as you can get. Yet even with that, there was quite a difference between the advertised price, or what I think of as the “base price” and the real price I had to pay.
The price of the car was $27,653. But that was the base price. Once we added the destination charge, the state tax, and three or four hidden charges (including something called a “Dealer Optional Fee,” whatever that is) the actual cost was $30,385. An extra $2,732. Almost 10 percent more. And that’s without the financing costs.
Unfortunately, instead of the car companies getting better, the rest of the consumer universe is getting worse. I bought two new tires. “Oh, it’s not bad,” the auto mechanic assured me, “only 99 bucks a piece.” But once he added the weight charge, the EPA tire fee, the balancing fee and the local tax, the real price for two tires was $258. An extra 30 percent!
Auto insurance? By the time they tote it all up, it’s twice what the basic rate is. And the bill adds insult to injury with a $5 “Law Enforcement Fee.” I don’t know what that is, except it probably makes it easier for the police to give me a ticket.
And have you looked at your cable bill, or your cellphone bill? My basic phone and email charge is $101. But add up all the service charges, administrative charges, usage charges, surcharges and state and local taxes, and the monthly bill comes to $155.
I bought two tickets to a sports event, for $60 each. They wanted to charge me extra -- to print the ticket from my computer! I skipped that (they sent tickets by mail for free), but still got assessed a “convenience fee” and an “order processing fee” and instead of $120, it was $139.25.
I purchased two tickets to a Shakespeare production. In addition to the ticket price, I had to pay a “facilities fee” and an “online processing fee.” What would the Bard say about that?
I’m not detailing all these annoying, and ultimately expensive, fees just to complain. Instead, consider this a warning. A wake-up call. When you budget for a new purchase, make sure you account for the difference between the “base price” and the real price. And you might consider this: The bigger the difference, the more the business is being dishonest. It’s trying to “bait” you with a seemingly low price, then “switch” you to a higher price.
Avoid those fees if you can. If you can’t, say something, just so they know you’re “on” to them.
Unless . . . if we could figure out how to add some extra fees into our paychecks or Social Security checks. Imagine looking at your pay stub and seeing a couple of extra line items – you collect an extra $140 as a “work optional” fee and another $75 as a “showing up” fee.
Yeah, that’ll happen.
Thursday, December 15, 2011
Blogging -- What Is It Good For?
Last night B had a group of her women friends over from work for a potluck Christmas dinner. This morning, she was recapitulating some of the conversations that went on over the cheese noodle pudding, the broccoli quiche and the spinach salad.
There's one woman in particular who annoyed her. "All she does is talk about herself," B complained.
Apparently, whenever anyone at the table brought up a subject, this woman just had to present her own experience with the subject at hand -- and if she didn't have any experience herself, she'd go on at length about her husband, her children or some other relative. All without the slightest regard for whether anyone else at the table was interested, without any empathy or connection to other people's experiences.
Someone in the group mentioned that she'd had a knee operation. "Oh, well, let me tell you about my husband and his knee operation," she insisted. "He had his knee replaced. It was awful!" And on and on and on.
Later, the woman was telling a story to B, while the two of them were standing in the kitchen. Another guest wandered into the room. The woman stopped, turned to the other guest, and started the story all over again, from the beginning, while B politely nodded and inwardly groaned.
It reminded me of how an old colleague of mine used to make fun of people who were too self-absorbed, too caught up in themselves. "Okay, enough about me," my colleague would say loudly, imitating the person and mocking them at the same time. "Let's talk about you now. So ... what do you think about me?"
B's experience last night, and recalling my old friend joking about self-involved people, made me think of my blogging. Our blogging. I've seen comments here and there in the media -- usually the mainstream Internet media -- making fun of bloggers, referring to them -- us -- as a narcissistic bunch of people who insist on posting to the Internet every detail of our lives, and how wonderful our kids are, and how cute our pets are, without any consideration whether or not anyone else in the world was interested in our lives, or our children or our pets.
It made me wonder: Is this what we retired bloggers are doing -- we Baby Boomers, who are incessantly accused of being interested in ourselves, and only in ourselves and what we are doing and how we impact American life?
I am not criticizing anyone (least of all myself -- eeegads!). And I am not fishing for reassurance or compliments about my own blog. (Who me? Fishing for compliments? Never!) But there's nothing wrong with a little self-examination every once in a while. And it makes we wonder: How do we talk about the issues in our lives, our day-to-day concerns as well as our more fundamental issues, without falling into the quicksand of self-indulgence? How do we include other people in our conversations? How do we keep ourselves relevant as we talk about our families, our ailments, our travels, our finances, our politics?
The bloggers I know hardly ever talk about their kids. We do hear about people's travels -- but I like reading about all those trips to Hawaii and elsewhere (although they do make me envious). I actually don't think the important thing is the subject matter itself, but the way it's handled. Can other people relate to the experience, or are we just bragging about what we've done?
What about nostalgia? Can I delve into the morass of nostalgia, or am I being a self-indulgent Baby Boomer if I do that? I dunno. I like the occasional trip down memory lane. Don't you enjoy listening to Sinatra or the Beatles or Jim Morrison every once in a while?
Anyhooo ... B told me I didn't have to leave the house when her friends came over last night. "These women are not as raucous as my book group," she assured me. Nevertheless, I didn't want to be holed up in the bedroom while all these women were downstairs talking and laughing and eating and having a good time. So I went out to a movie. I saw The Descendants, with George Clooney, at my local arthouse movie theater.
But I'm not going to tell you if I liked it. I don't want to be self-indulgent.
There's one woman in particular who annoyed her. "All she does is talk about herself," B complained.
Apparently, whenever anyone at the table brought up a subject, this woman just had to present her own experience with the subject at hand -- and if she didn't have any experience herself, she'd go on at length about her husband, her children or some other relative. All without the slightest regard for whether anyone else at the table was interested, without any empathy or connection to other people's experiences.
Someone in the group mentioned that she'd had a knee operation. "Oh, well, let me tell you about my husband and his knee operation," she insisted. "He had his knee replaced. It was awful!" And on and on and on.
Later, the woman was telling a story to B, while the two of them were standing in the kitchen. Another guest wandered into the room. The woman stopped, turned to the other guest, and started the story all over again, from the beginning, while B politely nodded and inwardly groaned.
It reminded me of how an old colleague of mine used to make fun of people who were too self-absorbed, too caught up in themselves. "Okay, enough about me," my colleague would say loudly, imitating the person and mocking them at the same time. "Let's talk about you now. So ... what do you think about me?"
B's experience last night, and recalling my old friend joking about self-involved people, made me think of my blogging. Our blogging. I've seen comments here and there in the media -- usually the mainstream Internet media -- making fun of bloggers, referring to them -- us -- as a narcissistic bunch of people who insist on posting to the Internet every detail of our lives, and how wonderful our kids are, and how cute our pets are, without any consideration whether or not anyone else in the world was interested in our lives, or our children or our pets.
It made me wonder: Is this what we retired bloggers are doing -- we Baby Boomers, who are incessantly accused of being interested in ourselves, and only in ourselves and what we are doing and how we impact American life?
I am not criticizing anyone (least of all myself -- eeegads!). And I am not fishing for reassurance or compliments about my own blog. (Who me? Fishing for compliments? Never!) But there's nothing wrong with a little self-examination every once in a while. And it makes we wonder: How do we talk about the issues in our lives, our day-to-day concerns as well as our more fundamental issues, without falling into the quicksand of self-indulgence? How do we include other people in our conversations? How do we keep ourselves relevant as we talk about our families, our ailments, our travels, our finances, our politics?
The bloggers I know hardly ever talk about their kids. We do hear about people's travels -- but I like reading about all those trips to Hawaii and elsewhere (although they do make me envious). I actually don't think the important thing is the subject matter itself, but the way it's handled. Can other people relate to the experience, or are we just bragging about what we've done?
What about nostalgia? Can I delve into the morass of nostalgia, or am I being a self-indulgent Baby Boomer if I do that? I dunno. I like the occasional trip down memory lane. Don't you enjoy listening to Sinatra or the Beatles or Jim Morrison every once in a while?
Anyhooo ... B told me I didn't have to leave the house when her friends came over last night. "These women are not as raucous as my book group," she assured me. Nevertheless, I didn't want to be holed up in the bedroom while all these women were downstairs talking and laughing and eating and having a good time. So I went out to a movie. I saw The Descendants, with George Clooney, at my local arthouse movie theater.
But I'm not going to tell you if I liked it. I don't want to be self-indulgent.
Sunday, December 11, 2011
It's Not Nice to Fool Social Security
The good news: In 2012 senior citizens will receive a Social Security cost of living adjustment, banking bigger payments for the first time since 2009. The increase for retirees is slated to be 3.6%, or an average of $43 more per month.
The bad news: There's no way the government is paying for it, except to add it to our credit card bill.
Up until this year, the payroll tax -- which pays for Social Security -- sliced off 12.4% from the first $106,800 of an individual's salary. Income above $106,800 was exempt from Social Security tax. (There's an additional tax to help pay for Medicare, which brings the total payroll tax up to 15% for most workers.) Half of the Social Security tax, or 6.2%, was paid by the employer, the other half by the worker.
For 2011, President Obama and Congress got together and passed The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010. (Snappy title, isn't it?) The act lowered the worker's part of the payroll tax from 6.2% to 4.2%. The objective was to put more money into people's pockets, and hope they would spend it to spur our faltering economy. No one knows for sure if this strategy has worked. Democrats argue yes; Republicans argue no. But it's hard to believe that it didn't have some impact on the economy. The tax reduction left average American families almost $100 a month more in their paychecks. And you know, most of them spent it.
The Administration hoped that lowering the payroll tax would help the economy. But it also recognized the lower tax would take funds away from Social Security -- to the tune of about $120 billion for the year -- and Social Security is already paying out more than it takes in via the payroll tax. So the Tax Relief act was voted in for only one year, as a temporary measure. In the meantime, the missing payments to Social Security would be made out of general government funds ... meaning the government would borrow more money to pay into the Social Security system.
On January 1, 2012, the temporary tax reduction is scheduled to expire. President Obama and the Democrats are worried that bumping the payroll tax back up from 4.2% to 6.2% will hurt the economy -- and will be seen by voters as a tax increase. So they're pushing not only to keep the lower tax rate, but lower it further, to 3.1%. That will let workers take home still more money, about $500 per year per family. It will, theoretically, allow consumers to buy more products and help the economy. But that's yet another $500 a year denied the Social Security fund -- to be made up by the government borrowing yet more money.
In the meantime, the amount of salary subject to the payroll tax is inching up from $106,800 to $110,100. Applying the tax to this additional $3,300 will make up for a small portion of the money lost to the tax reduction.
Most Republicans are against the Obama proposal to lower the payroll tax. Presumably, Republicans are fiscally responsible and do not want to incur more government debt. Besides, they argue, the program hasn't worked, and Social Security is already looking at a huge deficit looming on the horizon as Baby Boomers retire. Lowering the payroll tax will make future deficits even bigger and more unwieldy.
But, let's face it, many Republicans are philosophically opposed to having the federal government finance people's retirements. They consider it socialism. They want to do away with Social Security entirely, and for better or worse let people manage their own retirement funds.
Some liberal Democrats have worried that the payroll tax reduction will, in fact, actually undermine Social Security. Up until now, Social Security has paid for itself. People pay into the system, then they take out benefits. It's a retirement program, not a welfare program. But if general government funds start paying for Social Security, the system might get tainted as welfare program and lose the support of young people, the upper middle class -- anyone who pays into the system but won't get anything out of it.
As a response Senate Majority Leader Harry Reid proposed a new tax on Americans earning more than $1 million a year. It would be a temporary tax, to cover the temporary payroll tax cut. But the proposal doesn't seem to be going anywhere. It's hard to say; the situation is still very fluid.
Does this temporary payroll tax deduction seem like a good idea to you? Most of us are Social Security recipients. Does it make you feel more comfortable that the government is borrowing more money to pay your monthly benefit?
Honestly, I can't decide. The economy needs help. So do American families. But it's a dangerous game to starting fooling around with Social Security.
I, myself, am eligible to collect Social Security. I'm trying to hold out for a couple of years -- to get a bigger benefit when I'm older. But I'm beginning to wonder if that's such a good idea. Maybe I should take the money now ... because in 20 years, when I'm in my 80s, the money might not be there.
The bad news: There's no way the government is paying for it, except to add it to our credit card bill.
Up until this year, the payroll tax -- which pays for Social Security -- sliced off 12.4% from the first $106,800 of an individual's salary. Income above $106,800 was exempt from Social Security tax. (There's an additional tax to help pay for Medicare, which brings the total payroll tax up to 15% for most workers.) Half of the Social Security tax, or 6.2%, was paid by the employer, the other half by the worker.
For 2011, President Obama and Congress got together and passed The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010. (Snappy title, isn't it?) The act lowered the worker's part of the payroll tax from 6.2% to 4.2%. The objective was to put more money into people's pockets, and hope they would spend it to spur our faltering economy. No one knows for sure if this strategy has worked. Democrats argue yes; Republicans argue no. But it's hard to believe that it didn't have some impact on the economy. The tax reduction left average American families almost $100 a month more in their paychecks. And you know, most of them spent it.
The Administration hoped that lowering the payroll tax would help the economy. But it also recognized the lower tax would take funds away from Social Security -- to the tune of about $120 billion for the year -- and Social Security is already paying out more than it takes in via the payroll tax. So the Tax Relief act was voted in for only one year, as a temporary measure. In the meantime, the missing payments to Social Security would be made out of general government funds ... meaning the government would borrow more money to pay into the Social Security system.
On January 1, 2012, the temporary tax reduction is scheduled to expire. President Obama and the Democrats are worried that bumping the payroll tax back up from 4.2% to 6.2% will hurt the economy -- and will be seen by voters as a tax increase. So they're pushing not only to keep the lower tax rate, but lower it further, to 3.1%. That will let workers take home still more money, about $500 per year per family. It will, theoretically, allow consumers to buy more products and help the economy. But that's yet another $500 a year denied the Social Security fund -- to be made up by the government borrowing yet more money.
In the meantime, the amount of salary subject to the payroll tax is inching up from $106,800 to $110,100. Applying the tax to this additional $3,300 will make up for a small portion of the money lost to the tax reduction.
Most Republicans are against the Obama proposal to lower the payroll tax. Presumably, Republicans are fiscally responsible and do not want to incur more government debt. Besides, they argue, the program hasn't worked, and Social Security is already looking at a huge deficit looming on the horizon as Baby Boomers retire. Lowering the payroll tax will make future deficits even bigger and more unwieldy.
But, let's face it, many Republicans are philosophically opposed to having the federal government finance people's retirements. They consider it socialism. They want to do away with Social Security entirely, and for better or worse let people manage their own retirement funds.
Some liberal Democrats have worried that the payroll tax reduction will, in fact, actually undermine Social Security. Up until now, Social Security has paid for itself. People pay into the system, then they take out benefits. It's a retirement program, not a welfare program. But if general government funds start paying for Social Security, the system might get tainted as welfare program and lose the support of young people, the upper middle class -- anyone who pays into the system but won't get anything out of it.
As a response Senate Majority Leader Harry Reid proposed a new tax on Americans earning more than $1 million a year. It would be a temporary tax, to cover the temporary payroll tax cut. But the proposal doesn't seem to be going anywhere. It's hard to say; the situation is still very fluid.
Does this temporary payroll tax deduction seem like a good idea to you? Most of us are Social Security recipients. Does it make you feel more comfortable that the government is borrowing more money to pay your monthly benefit?
Honestly, I can't decide. The economy needs help. So do American families. But it's a dangerous game to starting fooling around with Social Security.
I, myself, am eligible to collect Social Security. I'm trying to hold out for a couple of years -- to get a bigger benefit when I'm older. But I'm beginning to wonder if that's such a good idea. Maybe I should take the money now ... because in 20 years, when I'm in my 80s, the money might not be there.
Wednesday, December 7, 2011
Remember Her?
Her husband is the one who gets all the credit, but like most wives, she does more than her share of the work. That doesn't tell you much about who this woman might be, though, does it?
Nevertheless, it was through her husband that she became famous. He arrived in America from Europe, changed his name and expanded his business into a worldwide operation. Only later did she come along, and was married into the family business.
She was born in Pennsylvania, to a religious family. She appeared in the Yale Literary Magazine, long before the university went co-ed, and was later featured in other more popular periodicals, from Harper's to Good Housekeeping. She eventually made it into children's books, comic books, poetry, as well as virtually every other media.
She has been described as the original Good Wife, although she is not a lawyer like the Good Wife on TV. She took a more traditional role as, to this day, she designs and maintains a modern kitchen, cooks the chicken and turkey, bakes the cookies, takes care of the children's toys and at times chauffeurs her husband around on his job. Yes, her husband does a lot of traveling, but there is still plenty of work to be done back home at the workshop. By all reports, she assists in managing the staff of helpers, and contributes to the care and feeding of the animals.
She made her Hollywood debut in a 1964 movie about Martians. She went on to make a cameo appearance in the 1993 movie The Nightmare Before Christmas, and has presented a strong female character in several more Christmas films. She was a teacher on television in a 1970 special, when she was shown meeting her then-young husband, who was illegally trying to spread cheer in a town run by a despotic ruler.
Her character made an appearance in A Charlie Brown Christmas, as well as two Charlie Brown sequels. She also showed up in A Chipmunk Christmas, buying Alvin a new harmonica after he'd given his old one to a sick boy. In this made-for-TV movie, Alvin repays her by offering up his rendition of "Silent Night."
She was also the subject of a 1996 television musical, starring Angela Lansbury. Feeling neglected by her husband, she decamped to New York City where she sang and marched in support of women's voting rights, and against child labor in toy manufacturing.
As you've no doubt figured out by now, the woman is Mrs. Santa Claus -- wife of St. Nicholas, the man previously known in Europe as Sinterklaas but whose origins reach back to pre-Christian Germany as well as Turkey and Greece. Mrs. Claus was first mentioned in a short story called "A Christmas Legend" by the Philadelphia missionary James Rees (hence, "born" in Pennsylvania.) Now, of course, she lives at the North Pole with her husband. And like Santa himself, she has come to be depicted as a roly-poly older woman who is incredibly kind and infinitely patient.
But Mrs. Claus has occasionally been portrayed against stereotype. She has been depicted as a vampire, and in one briefly-aired TV commercial she was shown ... in bed with a snowman!
Yet for most of us she will remain the compassionate grandmotherly type, the kind who is always glad to see us and welcome us with a plate of warm Christmas cookies. But we can envision -- can't we? -- that she might not always be completely content sitting in the background baking cakes and pies. We can imagine that she, like the rest of us, might have a few complaints about her lot in life, yet still have a sense of humor about it. If you can, as they say, then take a listen ...
Nevertheless, it was through her husband that she became famous. He arrived in America from Europe, changed his name and expanded his business into a worldwide operation. Only later did she come along, and was married into the family business.
She was born in Pennsylvania, to a religious family. She appeared in the Yale Literary Magazine, long before the university went co-ed, and was later featured in other more popular periodicals, from Harper's to Good Housekeeping. She eventually made it into children's books, comic books, poetry, as well as virtually every other media.
She has been described as the original Good Wife, although she is not a lawyer like the Good Wife on TV. She took a more traditional role as, to this day, she designs and maintains a modern kitchen, cooks the chicken and turkey, bakes the cookies, takes care of the children's toys and at times chauffeurs her husband around on his job. Yes, her husband does a lot of traveling, but there is still plenty of work to be done back home at the workshop. By all reports, she assists in managing the staff of helpers, and contributes to the care and feeding of the animals.
She made her Hollywood debut in a 1964 movie about Martians. She went on to make a cameo appearance in the 1993 movie The Nightmare Before Christmas, and has presented a strong female character in several more Christmas films. She was a teacher on television in a 1970 special, when she was shown meeting her then-young husband, who was illegally trying to spread cheer in a town run by a despotic ruler.
Her character made an appearance in A Charlie Brown Christmas, as well as two Charlie Brown sequels. She also showed up in A Chipmunk Christmas, buying Alvin a new harmonica after he'd given his old one to a sick boy. In this made-for-TV movie, Alvin repays her by offering up his rendition of "Silent Night."
She was also the subject of a 1996 television musical, starring Angela Lansbury. Feeling neglected by her husband, she decamped to New York City where she sang and marched in support of women's voting rights, and against child labor in toy manufacturing.
As you've no doubt figured out by now, the woman is Mrs. Santa Claus -- wife of St. Nicholas, the man previously known in Europe as Sinterklaas but whose origins reach back to pre-Christian Germany as well as Turkey and Greece. Mrs. Claus was first mentioned in a short story called "A Christmas Legend" by the Philadelphia missionary James Rees (hence, "born" in Pennsylvania.) Now, of course, she lives at the North Pole with her husband. And like Santa himself, she has come to be depicted as a roly-poly older woman who is incredibly kind and infinitely patient.
But Mrs. Claus has occasionally been portrayed against stereotype. She has been depicted as a vampire, and in one briefly-aired TV commercial she was shown ... in bed with a snowman!
Yet for most of us she will remain the compassionate grandmotherly type, the kind who is always glad to see us and welcome us with a plate of warm Christmas cookies. But we can envision -- can't we? -- that she might not always be completely content sitting in the background baking cakes and pies. We can imagine that she, like the rest of us, might have a few complaints about her lot in life, yet still have a sense of humor about it. If you can, as they say, then take a listen ...
Sunday, December 4, 2011
America Is Down -- But Is It Out?
The results of my poll, "Is America Declining?" reveal some interesting results. Perhaps the first one, and most telling, is that I received 19 percent fewer responses to this poll than I did to "What Do You Drink in the Morning?"
Does that mean people are more concerned about their morning coffee than they are about the future of America? Perhaps. Some people have blinders on, and are only interested in what's on their own kitchen table. Others fret that the problems we face are just too big. They throw up their hands and say, "Oh, what the hell ..." And I confess I sometimes find myself in this category. Many people are just complacent. Or they figure, "I've got mine," and they don't care much about what happens to anyone else.
It really does seem that there is a significant strain of what's-in-it-for-me politics these days. It's probably always been there, but seems more pronounced than usual.
Social Security recipients scream bloody murder if someone tries to touch one thin dime of their benefits -- and let someone else fix the funding problems after they're gone. Young people occupy Wall Street to protest that if they have to pay for medical insurance they won't be able to buy the latest iProduct, and their student loans are too big, too expensive, and too much of a burden. And the affluent rant and rail against raising taxes, because they've worked hard for their money and can't bear to see the fruits of their labors go to someone else. A lot of these complaints might be legitimate, but they are are self-interested, not focused on the common good.
And, oh yeah, in the meantime, someone do something about the price of oil, since we want to drive our SUVs 15 mph over the speed limit, because we have to get to work, or get to the mall, or get the kids to their playdate. And meanwhile, as the New York Times pointed out in an editorial today about the 1997 Kyoto Treaty, despite all the best intentions to decrease fossil fuel emissions by 5 percent by 2012, emissions from burning fossil fuels actually increased by 38 percent between 1990 and 2009.
But the good news is that, by a margin of 63 percent to 37 percent, respondents to my poll do not think our problems are insurmountable. They do not believe that America is inevitably on the down slope. That's according to the admittedly unscientific poll conducted in the post "Is America in Decline?"
The consensus seems to think that we have problems, sure, but we've seen problems before, and we've always come out on top. Remember the 1970s and the Misery Index? The index was created by Arthur Okun, economic adviser to President Johnson, and it simply adds the unemployment rate to the inflation rate. It hit 16 in 1974 and 17 in 1975, and crested at 20 in 1980.
But we turned the country around after the dismal 1970s. Economic expansion, the advent of personal computers and the internet, and the end of the Cold War dropped the Misery Index down to a low of 6 by 1998. Since then it's been going up again, hitting 11 last year and topping 12 this year. But if we turned things around after the 1970s, can't we do it again after the miserable early 2000s?.
Several people in the poll suggested the the biggest problem we face today is energy -- how to fuel our economy without choking ourselves to death in pollution and being held hostage by sometimes-hostile oil-rich nations. We faced the same problem in the 1970s. But we went on to make some progress by developing solar panels, wind farms, more efficient homes and cars.
The problem has come back -- big time -- and the easy answers have already been tried. Now comes the hard part: developing new innovations and making hard decisions in terms of alternative energy; cars powered with something other than gasoline; electricity produced with something other than coal. As a first step, Thomas Friedman lauds the recent EPA decision to require auto companies to reach a fleet average of 54.5 miles per gallon by 2025 -- up from today's average of 27.5 mpg. But that's just one small step. Many more need to be taken.
A few other respondents pointed out that we got used to unusual prosperity starting in the mid-1980s. But a good part of that prosperity stood on the spindly legs of too much debt, a stock market boom and a real estate bubble. It's unrealistic for us to expect the good times to last, especially when we've been borrowing from the future. We just have to get over that unrealistic view and look forward with more modest expectations.
And that may not be a bad thing, several people suggested. There's more to life than unbridled consumerism. Perhaps our 20-somethings do not have to get their own apartments; and our 80-somethings do not have to move into independent living facilities. As Jono pointed out, many Europeans live in very nice homes, with several generations under the same roof (they also drive smaller, more fuel-efficient cars), and they seem to lack for nothing.
Perhaps that's the positive message to take from our current dismal economic climate and fractured political scene. The materialistic mindset that celebrates record-level shopping days does not serve us well. What we need instead, as Nance said, is "the potential for Americans to innovate, to grow ethically as a culture, to employ more of its people."
Or, as Janette from Kansas wrote in to say: "Are we declining? No. Are we changing? I sure am, and so are my adult children. The U.S. continues to be a great place to live."
Does that mean people are more concerned about their morning coffee than they are about the future of America? Perhaps. Some people have blinders on, and are only interested in what's on their own kitchen table. Others fret that the problems we face are just too big. They throw up their hands and say, "Oh, what the hell ..." And I confess I sometimes find myself in this category. Many people are just complacent. Or they figure, "I've got mine," and they don't care much about what happens to anyone else.
It really does seem that there is a significant strain of what's-in-it-for-me politics these days. It's probably always been there, but seems more pronounced than usual.
Social Security recipients scream bloody murder if someone tries to touch one thin dime of their benefits -- and let someone else fix the funding problems after they're gone. Young people occupy Wall Street to protest that if they have to pay for medical insurance they won't be able to buy the latest iProduct, and their student loans are too big, too expensive, and too much of a burden. And the affluent rant and rail against raising taxes, because they've worked hard for their money and can't bear to see the fruits of their labors go to someone else. A lot of these complaints might be legitimate, but they are are self-interested, not focused on the common good.
And, oh yeah, in the meantime, someone do something about the price of oil, since we want to drive our SUVs 15 mph over the speed limit, because we have to get to work, or get to the mall, or get the kids to their playdate. And meanwhile, as the New York Times pointed out in an editorial today about the 1997 Kyoto Treaty, despite all the best intentions to decrease fossil fuel emissions by 5 percent by 2012, emissions from burning fossil fuels actually increased by 38 percent between 1990 and 2009.
But the good news is that, by a margin of 63 percent to 37 percent, respondents to my poll do not think our problems are insurmountable. They do not believe that America is inevitably on the down slope. That's according to the admittedly unscientific poll conducted in the post "Is America in Decline?"
The consensus seems to think that we have problems, sure, but we've seen problems before, and we've always come out on top. Remember the 1970s and the Misery Index? The index was created by Arthur Okun, economic adviser to President Johnson, and it simply adds the unemployment rate to the inflation rate. It hit 16 in 1974 and 17 in 1975, and crested at 20 in 1980.
But we turned the country around after the dismal 1970s. Economic expansion, the advent of personal computers and the internet, and the end of the Cold War dropped the Misery Index down to a low of 6 by 1998. Since then it's been going up again, hitting 11 last year and topping 12 this year. But if we turned things around after the 1970s, can't we do it again after the miserable early 2000s?.
Several people in the poll suggested the the biggest problem we face today is energy -- how to fuel our economy without choking ourselves to death in pollution and being held hostage by sometimes-hostile oil-rich nations. We faced the same problem in the 1970s. But we went on to make some progress by developing solar panels, wind farms, more efficient homes and cars.
The problem has come back -- big time -- and the easy answers have already been tried. Now comes the hard part: developing new innovations and making hard decisions in terms of alternative energy; cars powered with something other than gasoline; electricity produced with something other than coal. As a first step, Thomas Friedman lauds the recent EPA decision to require auto companies to reach a fleet average of 54.5 miles per gallon by 2025 -- up from today's average of 27.5 mpg. But that's just one small step. Many more need to be taken.
A few other respondents pointed out that we got used to unusual prosperity starting in the mid-1980s. But a good part of that prosperity stood on the spindly legs of too much debt, a stock market boom and a real estate bubble. It's unrealistic for us to expect the good times to last, especially when we've been borrowing from the future. We just have to get over that unrealistic view and look forward with more modest expectations.
And that may not be a bad thing, several people suggested. There's more to life than unbridled consumerism. Perhaps our 20-somethings do not have to get their own apartments; and our 80-somethings do not have to move into independent living facilities. As Jono pointed out, many Europeans live in very nice homes, with several generations under the same roof (they also drive smaller, more fuel-efficient cars), and they seem to lack for nothing.
Perhaps that's the positive message to take from our current dismal economic climate and fractured political scene. The materialistic mindset that celebrates record-level shopping days does not serve us well. What we need instead, as Nance said, is "the potential for Americans to innovate, to grow ethically as a culture, to employ more of its people."
Or, as Janette from Kansas wrote in to say: "Are we declining? No. Are we changing? I sure am, and so are my adult children. The U.S. continues to be a great place to live."
Tuesday, November 29, 2011
Where Do You Shop?
You'd have to have your head buried deep in the sand not to have heard all about Black Friday (so-called because that's supposedly the day when American retailers start making money, when they go in the black) and how this year American shoppers set some new sales records. That's good for the economy. Good for retirees who want a part-time job at the mall. Good for a lot of people -- although the sight of 20-somethings lined up around the corner at 10 p.m. on Thanksgiving, waiting for Best Buy to open at midnight so they can buy a big-screen TV at $500 off the regular price, somehow seems a little crass and shallow and materialistic.
Anyway, I did not go out shopping on Black Friday, although some family members did brave the crowds. ("It's like a party," they said. "No, thank you," I replied.) I did not participate in Cyber Monday, either -- the Monday after Thanksgiving when, presumably, everyone goes back to work and spends their time shopping on the Internet instead of doing their job.
Yet, I admit I'm not completely free of crass materialism myself. Nor am I entirely exempt from the commercialism of Christmas. I like to see piles of presents under the tree. It's fun to sit around the living room with your family on Christmas morning and rip open the wrapping to find what Santa has brought. And if you're lucky, Santa brings you gifts right off your Christmas list.
So I can't help but wonder, where do Baby Boomers and other elders like to do their Christmas shopping? Certainly not Abercrombie & Fitch, Aeropostale or Hot Topic.
I heard some commentators on CNBC remark that nobody goes to Sears anymore. The stores are old and boring, they said. The segment was in connection with the recent financial report of Sears Holdings (which comprises Sears and Kmart) showing that revenues were down in the most recent quarter, marking almost five straight years of declining sales.
But I can attest to the fact that someone goes to Sears. Because I do. Whenever I go to the mall, I park at the entrance to Sears. There are plenty of parking spaces at the Sears end of the mall, so you can park close to the door. And once in a great while, I actually stop to buy something. Two weeks ago I scored a deal on socks -- buy one three-pack at the regular price and get another three-pack for half off.
But I can tell you, unequivocally, that the most popular place at the mall is the Apple store. I was recently in the market for a laptop (my first one!). We have a local computer store, called Silicon Valley, where until now I've taken most of my computer needs. I checked out their laptops. They seemed okay. But I had to go take a look at the Apple version. You know ... I really do want to be cool.
So on a Tuesday morning a few weeks ago I showed up at the mall at 10:05 a.m., five minutes after the mall opened. I parked at Sears, right next to the door. I walked through the mall and saw hardly anyone. After all, the place had only been open for five minutes. When I got to the food court I found a scattering of early shoppers getting coffee at Dunkin' Donuts and picking up Egg McMuffins at McDonalds. But as I walked around the next curve, I unexpectedly ran into a line. A line at 10:05 in the morning! It was outside the Apple store. They were waiting to buy an iPhone 4s.
Since I wasn't buying a phone, I didn't have to wait in line. I entered the store through the big glass doors. The place was already crowded. I found a greeter who agreed to put me on a list to link up with a salesperson. While I waited I perused the Apple offerings. I already knew, from doing some homework online, that I wanted a MacBook Pro. Now, after surveying the options, I landed on the 15-inch version. Then I looked around for a salesperson. They were all busy. I fiddled around with a couple of keyboards, tried out a few functions. I looked around again; the salespeople were still busy.
Eventually I got a salesperson who seemed very nice, but who couldn't bear to give me her full attention. The whole time she was explaining the benefits of the MacBook, and trying to upsell me to buy more Apple products, she was also checking her iPhone, texting someone, and basically annoying the hell out of me.
I didn't get a MacBook. I instead went back to Silicon Valley and bought an Asus laptop, for just about half the price of the MacBook. It doesn't have quite as much power or memory, but it has more than I will ever need.
The fact is, I try to buy local when I can. A small business in your community might not have quite the charisma of the national brand. But it typically offers better service and prices that are at least competitive, if not better than national chains.
For that very reason, I try to patronize my local hardware store, which I do on occasion. But I must admit I do hear the siren call of the big box stores. I sometimes go to Lowes, but more often find myself at Home Depot. I love wandering up and down the aisles, picking out a few odds and ends for the house and getting ideas for home improvements we might make -- new flooring, perhaps, or a new bathroom, or some plants to improve our landscaping.
For clothes I go to Macy's. They seem to offer reasonably good brands at almost-bargain prices. You can get Dockers. You can get Ralph Lauren. Izod. Tommy Hilfiger. Michael Kors. Kenneth Cole. Calvin Klein. Nautica. And a host of others. So on the one hand, why spend more for Bloomingdale's or Nordstrom's; on the other, why trade down to JCPenney or Kohl's?
I heard B recently comment that she, too, shops at Macy's. "Why would you need to go anywhere else?" she asked rhetorically. I realized she was being rhetorical, because I happen to know she also goes to Talbots; and one time at the mall I saw her slipping sheepishly out of Saks. But she also goes to Target and Marshall's; and we've bought a few things for the house at Home Goods.
I used to joke that my favorite store was 7-Eleven. Or Wawa, when we're in New Jersey or around Philly. It's got good coffee and cheap gas. What more could you ask for?
But now I favor Costco. In fact, just last week I bought a copy of the new Steve Jobs book there, as a Christmas present for B's younger son. It was marked down from $35 to $19. Costco sells good meat, good fish, cheap cereal. They have clothes, electronics, everything. I also bought a big bottle of 500 vitamin tablets, for $14. How can you beat that?
Gee, I wonder if vitamins are on B's Christmas list. Or ... I just saw online, Wawa offers a gift card. What'd'ya think?
Anyway, I did not go out shopping on Black Friday, although some family members did brave the crowds. ("It's like a party," they said. "No, thank you," I replied.) I did not participate in Cyber Monday, either -- the Monday after Thanksgiving when, presumably, everyone goes back to work and spends their time shopping on the Internet instead of doing their job.
Yet, I admit I'm not completely free of crass materialism myself. Nor am I entirely exempt from the commercialism of Christmas. I like to see piles of presents under the tree. It's fun to sit around the living room with your family on Christmas morning and rip open the wrapping to find what Santa has brought. And if you're lucky, Santa brings you gifts right off your Christmas list.
So I can't help but wonder, where do Baby Boomers and other elders like to do their Christmas shopping? Certainly not Abercrombie & Fitch, Aeropostale or Hot Topic.
I heard some commentators on CNBC remark that nobody goes to Sears anymore. The stores are old and boring, they said. The segment was in connection with the recent financial report of Sears Holdings (which comprises Sears and Kmart) showing that revenues were down in the most recent quarter, marking almost five straight years of declining sales.
My new laptop |
But I can tell you, unequivocally, that the most popular place at the mall is the Apple store. I was recently in the market for a laptop (my first one!). We have a local computer store, called Silicon Valley, where until now I've taken most of my computer needs. I checked out their laptops. They seemed okay. But I had to go take a look at the Apple version. You know ... I really do want to be cool.
So on a Tuesday morning a few weeks ago I showed up at the mall at 10:05 a.m., five minutes after the mall opened. I parked at Sears, right next to the door. I walked through the mall and saw hardly anyone. After all, the place had only been open for five minutes. When I got to the food court I found a scattering of early shoppers getting coffee at Dunkin' Donuts and picking up Egg McMuffins at McDonalds. But as I walked around the next curve, I unexpectedly ran into a line. A line at 10:05 in the morning! It was outside the Apple store. They were waiting to buy an iPhone 4s.
Since I wasn't buying a phone, I didn't have to wait in line. I entered the store through the big glass doors. The place was already crowded. I found a greeter who agreed to put me on a list to link up with a salesperson. While I waited I perused the Apple offerings. I already knew, from doing some homework online, that I wanted a MacBook Pro. Now, after surveying the options, I landed on the 15-inch version. Then I looked around for a salesperson. They were all busy. I fiddled around with a couple of keyboards, tried out a few functions. I looked around again; the salespeople were still busy.
Eventually I got a salesperson who seemed very nice, but who couldn't bear to give me her full attention. The whole time she was explaining the benefits of the MacBook, and trying to upsell me to buy more Apple products, she was also checking her iPhone, texting someone, and basically annoying the hell out of me.
No sale |
The fact is, I try to buy local when I can. A small business in your community might not have quite the charisma of the national brand. But it typically offers better service and prices that are at least competitive, if not better than national chains.
For that very reason, I try to patronize my local hardware store, which I do on occasion. But I must admit I do hear the siren call of the big box stores. I sometimes go to Lowes, but more often find myself at Home Depot. I love wandering up and down the aisles, picking out a few odds and ends for the house and getting ideas for home improvements we might make -- new flooring, perhaps, or a new bathroom, or some plants to improve our landscaping.
For clothes I go to Macy's. They seem to offer reasonably good brands at almost-bargain prices. You can get Dockers. You can get Ralph Lauren. Izod. Tommy Hilfiger. Michael Kors. Kenneth Cole. Calvin Klein. Nautica. And a host of others. So on the one hand, why spend more for Bloomingdale's or Nordstrom's; on the other, why trade down to JCPenney or Kohl's?
I heard B recently comment that she, too, shops at Macy's. "Why would you need to go anywhere else?" she asked rhetorically. I realized she was being rhetorical, because I happen to know she also goes to Talbots; and one time at the mall I saw her slipping sheepishly out of Saks. But she also goes to Target and Marshall's; and we've bought a few things for the house at Home Goods.
I used to joke that my favorite store was 7-Eleven. Or Wawa, when we're in New Jersey or around Philly. It's got good coffee and cheap gas. What more could you ask for?
But now I favor Costco. In fact, just last week I bought a copy of the new Steve Jobs book there, as a Christmas present for B's younger son. It was marked down from $35 to $19. Costco sells good meat, good fish, cheap cereal. They have clothes, electronics, everything. I also bought a big bottle of 500 vitamin tablets, for $14. How can you beat that?
Gee, I wonder if vitamins are on B's Christmas list. Or ... I just saw online, Wawa offers a gift card. What'd'ya think?
Sunday, November 27, 2011
Blogging Boomers Carnival #235
For a special post-Thanksgiving edition of the best in Baby Boomer blogging, check out Midlife Crisis Queen. She offers some links to other blogs where Baby Boomers analyze the economy and what its effects are on our retirement plans, our long-term marriages, and our charitable donations.
Other bloggers look at the other side of the equation. They count their blessings. They appreciate what they have instead of feeling disappointed at what they don't have, and they consider the beneficial health effects of feeling grateful every day. I especially recommend Katie Foster's post, Stop and Smell the Roses and Be Grateful, which features a short, inspiring look through the lens of a time-lapse photographer.
Other bloggers look at the other side of the equation. They count their blessings. They appreciate what they have instead of feeling disappointed at what they don't have, and they consider the beneficial health effects of feeling grateful every day. I especially recommend Katie Foster's post, Stop and Smell the Roses and Be Grateful, which features a short, inspiring look through the lens of a time-lapse photographer.
Friday, November 25, 2011
Did You Ever Wonder Why ...
Sometimes you wonder why certain words mean what they mean, or you're puzzled by particular phrases or sayings. A few of the following queries are original, but most have been
Why . . .
is "abbreviated" such a long word?
is lemon juice made with artificial flavor, while dishwashing liquid is made with real lemons?
Why ...
didn't Noah swat those two mosquitoes?
doesn't Tarzan have a beard?
Why ...
do they sterilize the needle for lethal injections?
do they they call the airport a "terminal" if flying is so safe?
And why ...
is "phonetically" is spelled with a "ph"?
is a round pizza delivered in a square box?
isn't there a synonym for Thesaurus?
Why ...
do people say they "slept like a baby" when babies wake up every two hours?
do we lose brain cells as we age, but fat cells last forever?
does flammable mean the same as inflammable?
Why ...
did Kamikaze pilots wear helmets?
did they ever put an "s" in the word "lisp"?
do we park in a driveway, and drive in a parkway?
do women wear a pair of panties but only one bra?
And finally, just ponder this point, which has been made before but is now truer than ever: If con is the opposite of pro, does that make congress the opposite of progress?
For more, similar ruminations, truisms and head-scratchers: Try out some oldtime Steven Wright jokes, or go to Ruminations for a younger take on things, or else Lemondrop to see how women slice it up.
And finally, just ponder this point, which has been made before but is now truer than ever: If con is the opposite of pro, does that make congress the opposite of progress?
For more, similar ruminations, truisms and head-scratchers: Try out some oldtime Steven Wright jokes, or go to Ruminations for a younger take on things, or else Lemondrop to see how women slice it up.
Tuesday, November 22, 2011
Thanks for ... Actually, More Than We Think
I've been cogitating about Penn State, which seems to be developing into an even worse scandal than we thought, involving a long-time coverup of sexual abuse. I've been worrying about the U. S. economy and how it has impacted our lives and the futures of our children -- and how the stock market and our IRAs were down yet another 2 percent yesterday. And today . . . today is the 48th anniversary of the assassination of John F. Kennedy.
But I'm tired of stewing over all the negative things in the world. It's Thanksgiving week. I'll be seeing my kids. We'll have some friends over for Thanksgiving dinner. There will be plenty of food. We'll cook on an electric stove; we'll be warm with central heating and comfortable with indoor plumbing. We'll have plenty of lighting, and we'll watch sports on TV and the kids will play video games on their computers, and they'll probably tweet and text with their friends while we old Baby Boomers use the phone to talk to far-flung relatives.
Turkey is probably the first thing to be thankful for. With all the things going on in the world -- and even with recent increases in food prices -- it is still pretty cheap to eat in America, and most of us will have plenty to put on our tables. We don't have to grow our own food, or kill it, unless we want to. We can just buy it at the grocery store. For the most part it is safe and disease free. In fact, we have a bigger problem with obesity than we do with hunger (even though part of the problem is that cheap food is often fattening ... but that's a topic for another post).
What else do we have to be thankful for, even as the Occupy Wall Street crowd protests (quite understandably, in my opinion) the inequality of income, the increase in poverty and the dwindling of opportunity in this country?
For one thing, America is enjoying relatively peaceful times. Yes, our troops are fighting in Afghanistan. Almost 2,000 American military personnel have lost their lives in that far-off country since the conflict began in 2001. We are still in Iraq as well, although we're leaving, and tragically, about 4,500 American troops have been killed in that oil-rich nation since we arrived in 2003.
We still do live in a dangerous world. Iran is allegedly working to produce a nuclear bomb; so is North Korea. The Pakistanis already have one, while the Arab-Israeli conflict simmers along as it has for the last 60-some years.
But think back 70 years ago to 1941. We were about to enter World War II, which took the lives of almost half a million American soldiers -- and in its total destruction killed an estimated 60 million people. Or think back 50 years ago, when the Cold War reached its height and threatened to annihilate the entire world. Or 40 years ago, to 1971, when we were still in Vietnam, a conflict that took more than 58,000 American military lives -- nine times as many as have been lost in Iraq and Afghanistan combined.
Yes, 2,000 American lives are 2,000 tragedies. But Afghanistan is a skirmish compared to Vietnam or World War II. Can we be thankful that, this year, we've only lost 500 soldiers in hostile actions?
We can certainly be thankful that our life expectancy is longer than ever. This causes problems for Medicare and Social Security. But aren't those actually good problems? We could bemoan the fact that the U. S. is not among the countries where life expectancy is the greatest. (Japan has the highest, at 82.6). But shouldn't we be thankful that an American born today can expect to live to 78.3? And that death rates for the most dangerous diseases like heart disease, cancer and stroke are down significantly, even in just the last decade? If you're 70 today, you can expect to live, on average, until you're 88.
Compare this to our parents, born in 1920, who at birth could only expect to make it to age 56. Or our grandparents, born in 1890, who could only look forward to living for an average of 45 years (although a large part of the improvement is due to a decrease in infant mortality).
We can be thankful because our country is relatively safe. Crime rates have gone down significantly. The murder rate peaked in 1980, at 10.2 murders per 100,000 inhabitants. Now the rate is back to what it was in the early 1960s, at less than half the peak rate. Despite the public outcry over Penn State, and the problems in the Catholic church, the incidence of rape actually peaked in 1992. It's not as low as it was in the early 1960s -- but only because, some argue, rape was a crime less likely to be reported back then.
We are also a more educated population. High school graduation rates have gone up from less than 70 percent in 1960 to almost 90 percent today. And the proportion of our populace with college degrees has climbed from barely 10 percent to approximately 25 percent. To be sure, the improvement has leveled off in recent years, and the rates should be higher in this post-industrial world where education matters more than ever before. Nevertheless, we have made progress.
Our cars are safer and more efficient than they've ever been. Our ability to communicate is better than ever. Our choices for news and entertainment are more varied. And despite the protests of OWS, we are a more equal society. Blacks have made great strides. More minorities have joined the middle class. Women have narrowed the income gap, and they've completely closed the education gap -- since 2000, and even before that, more women than men have been graduating from college.
Now, if only the Green Bay Packers win on Thanksgiving, we'll really have something to be thankful for.
But I'm tired of stewing over all the negative things in the world. It's Thanksgiving week. I'll be seeing my kids. We'll have some friends over for Thanksgiving dinner. There will be plenty of food. We'll cook on an electric stove; we'll be warm with central heating and comfortable with indoor plumbing. We'll have plenty of lighting, and we'll watch sports on TV and the kids will play video games on their computers, and they'll probably tweet and text with their friends while we old Baby Boomers use the phone to talk to far-flung relatives.
Turkey is probably the first thing to be thankful for. With all the things going on in the world -- and even with recent increases in food prices -- it is still pretty cheap to eat in America, and most of us will have plenty to put on our tables. We don't have to grow our own food, or kill it, unless we want to. We can just buy it at the grocery store. For the most part it is safe and disease free. In fact, we have a bigger problem with obesity than we do with hunger (even though part of the problem is that cheap food is often fattening ... but that's a topic for another post).
What else do we have to be thankful for, even as the Occupy Wall Street crowd protests (quite understandably, in my opinion) the inequality of income, the increase in poverty and the dwindling of opportunity in this country?
For one thing, America is enjoying relatively peaceful times. Yes, our troops are fighting in Afghanistan. Almost 2,000 American military personnel have lost their lives in that far-off country since the conflict began in 2001. We are still in Iraq as well, although we're leaving, and tragically, about 4,500 American troops have been killed in that oil-rich nation since we arrived in 2003.
We still do live in a dangerous world. Iran is allegedly working to produce a nuclear bomb; so is North Korea. The Pakistanis already have one, while the Arab-Israeli conflict simmers along as it has for the last 60-some years.
But think back 70 years ago to 1941. We were about to enter World War II, which took the lives of almost half a million American soldiers -- and in its total destruction killed an estimated 60 million people. Or think back 50 years ago, when the Cold War reached its height and threatened to annihilate the entire world. Or 40 years ago, to 1971, when we were still in Vietnam, a conflict that took more than 58,000 American military lives -- nine times as many as have been lost in Iraq and Afghanistan combined.
Yes, 2,000 American lives are 2,000 tragedies. But Afghanistan is a skirmish compared to Vietnam or World War II. Can we be thankful that, this year, we've only lost 500 soldiers in hostile actions?
We can certainly be thankful that our life expectancy is longer than ever. This causes problems for Medicare and Social Security. But aren't those actually good problems? We could bemoan the fact that the U. S. is not among the countries where life expectancy is the greatest. (Japan has the highest, at 82.6). But shouldn't we be thankful that an American born today can expect to live to 78.3? And that death rates for the most dangerous diseases like heart disease, cancer and stroke are down significantly, even in just the last decade? If you're 70 today, you can expect to live, on average, until you're 88.
Compare this to our parents, born in 1920, who at birth could only expect to make it to age 56. Or our grandparents, born in 1890, who could only look forward to living for an average of 45 years (although a large part of the improvement is due to a decrease in infant mortality).
We can be thankful because our country is relatively safe. Crime rates have gone down significantly. The murder rate peaked in 1980, at 10.2 murders per 100,000 inhabitants. Now the rate is back to what it was in the early 1960s, at less than half the peak rate. Despite the public outcry over Penn State, and the problems in the Catholic church, the incidence of rape actually peaked in 1992. It's not as low as it was in the early 1960s -- but only because, some argue, rape was a crime less likely to be reported back then.
We are also a more educated population. High school graduation rates have gone up from less than 70 percent in 1960 to almost 90 percent today. And the proportion of our populace with college degrees has climbed from barely 10 percent to approximately 25 percent. To be sure, the improvement has leveled off in recent years, and the rates should be higher in this post-industrial world where education matters more than ever before. Nevertheless, we have made progress.
Our cars are safer and more efficient than they've ever been. Our ability to communicate is better than ever. Our choices for news and entertainment are more varied. And despite the protests of OWS, we are a more equal society. Blacks have made great strides. More minorities have joined the middle class. Women have narrowed the income gap, and they've completely closed the education gap -- since 2000, and even before that, more women than men have been graduating from college.
Now, if only the Green Bay Packers win on Thanksgiving, we'll really have something to be thankful for.
Saturday, November 19, 2011
Just Wondering ... About Penn State
I'm one of those people who sees the world in shades of gray, not in black and white, and I (almost) always believe that there are two sides to every story, that it takes two to tango, that nobody has a monopoly on the truth.
However, I also tend to think that people are mostly responsible for their own behavior. The person does the crime; the mother of the person doesn't do the crime, nor does the lack of affection someone might have experienced as a child cause the crime. The person takes the drink or the drug; society doesn't make him do it. The smoker lights his own cigarette; the overweight person feeds himself. The sexual abuser is the one who unzips his own zipper -- nobody does it for him.
But, I keep wondering about those shades of gray. It's more understandable, if not more excusable, for the black kid who suffers with a dysfunctional family, who has no access to a quality education, to rob a liquor store to put food on the table or even to buy himself a better TV, than it is for the upper-middle-class financial counselor to steal money form an old lady's retirement account.
Social pressure vs. individual responsibility. Or is it a disease? I used to smoke, back when it was cool. I know social pressure can exert enormous influence on people, leading them to do things that are self-destructive. And I know how hard it is to quit, which I eventually did. But I also know, deep in my heart, when and if I ever get lung cancer I'll have no one to blame but myself.
I blame Jerry Sandusky for his horrible sex crimes (That's assuming he is guilty, as everyone seems to think he is, but we should still agree that he's innocent until proven guilty. There have been various reports -- check here for an update -- but all we know for certain is that somebody is lying, and that so far Sandusky's wife hasn't said a thing.)
Yet I can't help but wonder, if the people who are so "shocked" and "revolted" over these allegations have ever considered whether the liberalization of our sexual attitudes and practices have helped to create an environment where this kind of abuse is more likely to occur. Research has demonstrated that it is easier for people to step over the line from ethical to unethical behavior when there is a gradual erosion of moral values and principles.
Who cares, you might say. Even if our sexual attitudes have become more tolerant, that's no excuse for his behavior -- again, assuming he really did what they say. Everyone knows that no matter how casual we are about sex, you just don't force children, or manipulate children, into engaging in sexual activities. Probably, for most people it's not an issue -- they're not attracted to ten year olds. But even if someone is, they know it's out of bounds.
If we do have sexual fantasies that involve illegal activities -- and perhaps many of us have -- we know that they are fantasies. We don't even consider trying to act them out.
Yet I can't help but wonder, when people see those clothing ads featuring young teen girls in makeup and sexy dresses, and shirtless teenage boys, does it somehow blur the issue a little bit? Does the sexualizing of children in the media introduce the notion into people's minds, when otherwise it just wouldn't be there? Does it make the line between fantasy and reality a little bit fuzzy?
Now there's a coach at Syracuse accused of "inappropriately touching two boys." He denies it. But people who are responsible for kids -- teachers, coaches, ministers, priests, camp counselors -- have an extra responsibility to be careful about what they do and how they present themselves. And we should know by now that the very people who are most likely to sexually abuse a kid are the ones who probably seek out those jobs -- either with intent and forethought, or possibly even subconsciously. People who, like Willie Sutton who robbed banks because that's where the money is, take jobs as coaches and counselors because that's where the kids are. So don't the people who hire and manage coaches have an extra responsibility to be absolutely sure that their assistants are law-abiding people who have a genuine interest in helping children, not in using them for their own selfish purposes?
But I wonder what the people who condemn Joe Paterno and the Penn State administrators would have done in their situation. Would they have jeopardized their job to report the incidents? I'd like to think that I would have. But we do realize, don't we, that we all think we have better moral values than we really do; we are all quick to find fault with others while making excuses for our own behavior.
I remember once, quite a while ago, having a discussion with a friend of mine. There had been a case in the news of some guy exposing himself to school children in a parking lot. And I recall being flummoxed by the whole thing. I could understand the usual kinds of inappropriate sexual behavior. I wouldn't condone it, but I could understand how guys might be sexually aroused by someone, or some situation, and they would try to have their way because they were selfish, or had poor impulse control, or for a host of other reasons. But I just couldn't understand what would motivate a guy to expose himself. What's the sexual charge? What kind of response could he possibly expect? I just didn't get it. My friend simply looked at me and said, "Well, that's because you're not a pervert."
So I'm not a pervert, and I don't know what goes through a pervert's mind. I'm not a psychologist, either. I'm just asking some questions, possibly some of them not politically correct, but in addition to being "shocked" and "revolted" shouldn't we try to understand why this goes on if we're going to try to stop it?
I wonder if our increasing acceptance -- possibly even encouragement, at least in the media -- of homosexuality somehow bleeds into people's minds. If homosexuals know that they are gay, even when they're six or eight years old, as they tell us, then doesn't that make them, in the minds of some people, sexual beings? Otherwise, how would they know? Maybe it's somehow more acceptable for a grown man to have sex with a young boy than it is with a young girl. I'm not saying it is. I'm just wondering, perhaps some people might follow that train of thought and get themselves and others into trouble.
Coaches and others should examine their own motivations for doing what they do. They should be very clear in their minds about what behavior is acceptable, and what is not. And people should watch out for those who have sexual issues, who intentionally or not put themselves in a position to commit a sexual crime.
Honestly, I really don't know what my point is here. I guess I can understand why people want to pursue their pleasures, why they want to fulfill their desires, even without regard to future consequences or to other people. What I don't understand is how anyone can get pleasure out of hurting someone else, how they can inflict pain, make them bleed, cause horrible psychological nightmares -- and still enjoy it and convince themselves that they're not doing anything wrong.
But I wonder, how has the increased accessibility of pornography affected people's attitudes toward sex? When you can check into a perfectly respectable hotel and watch porn on TV (you pick, gay or straight) or subscribe to porn on TV in the comfort of your home (you pick, young or mature), or download pretty much any kind of shocking and revolting sexual activity onto your computer -- does this make sex about as common and everyday and no-big-deal as ... oh, say, throwing a football around with the guys?
In my admittedly limited experience, I've never actually seen this problem. I've never run into a teacher or coach who didn't have the best interests of the kids at heart, who didn't genuinely want to help the kids. The problem is, I'm guessing, quite rare, at least on a percentage basis.
Everyone knows -- don't they? -- that it's a crime to sexually abuse anyone, male or female, and it's especially heinous to sexually abuse kids. The line may be blurred in some respects, but with kids the line is pretty clear, no matter how people rationalize their own actions or make excuses for themselves.
"We were just taking a shower." Yeah, sure.
However, I also tend to think that people are mostly responsible for their own behavior. The person does the crime; the mother of the person doesn't do the crime, nor does the lack of affection someone might have experienced as a child cause the crime. The person takes the drink or the drug; society doesn't make him do it. The smoker lights his own cigarette; the overweight person feeds himself. The sexual abuser is the one who unzips his own zipper -- nobody does it for him.
But, I keep wondering about those shades of gray. It's more understandable, if not more excusable, for the black kid who suffers with a dysfunctional family, who has no access to a quality education, to rob a liquor store to put food on the table or even to buy himself a better TV, than it is for the upper-middle-class financial counselor to steal money form an old lady's retirement account.
Social pressure vs. individual responsibility. Or is it a disease? I used to smoke, back when it was cool. I know social pressure can exert enormous influence on people, leading them to do things that are self-destructive. And I know how hard it is to quit, which I eventually did. But I also know, deep in my heart, when and if I ever get lung cancer I'll have no one to blame but myself.
I blame Jerry Sandusky for his horrible sex crimes (That's assuming he is guilty, as everyone seems to think he is, but we should still agree that he's innocent until proven guilty. There have been various reports -- check here for an update -- but all we know for certain is that somebody is lying, and that so far Sandusky's wife hasn't said a thing.)
Yet I can't help but wonder, if the people who are so "shocked" and "revolted" over these allegations have ever considered whether the liberalization of our sexual attitudes and practices have helped to create an environment where this kind of abuse is more likely to occur. Research has demonstrated that it is easier for people to step over the line from ethical to unethical behavior when there is a gradual erosion of moral values and principles.
Who cares, you might say. Even if our sexual attitudes have become more tolerant, that's no excuse for his behavior -- again, assuming he really did what they say. Everyone knows that no matter how casual we are about sex, you just don't force children, or manipulate children, into engaging in sexual activities. Probably, for most people it's not an issue -- they're not attracted to ten year olds. But even if someone is, they know it's out of bounds.
If we do have sexual fantasies that involve illegal activities -- and perhaps many of us have -- we know that they are fantasies. We don't even consider trying to act them out.
Yet I can't help but wonder, when people see those clothing ads featuring young teen girls in makeup and sexy dresses, and shirtless teenage boys, does it somehow blur the issue a little bit? Does the sexualizing of children in the media introduce the notion into people's minds, when otherwise it just wouldn't be there? Does it make the line between fantasy and reality a little bit fuzzy?
Now there's a coach at Syracuse accused of "inappropriately touching two boys." He denies it. But people who are responsible for kids -- teachers, coaches, ministers, priests, camp counselors -- have an extra responsibility to be careful about what they do and how they present themselves. And we should know by now that the very people who are most likely to sexually abuse a kid are the ones who probably seek out those jobs -- either with intent and forethought, or possibly even subconsciously. People who, like Willie Sutton who robbed banks because that's where the money is, take jobs as coaches and counselors because that's where the kids are. So don't the people who hire and manage coaches have an extra responsibility to be absolutely sure that their assistants are law-abiding people who have a genuine interest in helping children, not in using them for their own selfish purposes?
But I wonder what the people who condemn Joe Paterno and the Penn State administrators would have done in their situation. Would they have jeopardized their job to report the incidents? I'd like to think that I would have. But we do realize, don't we, that we all think we have better moral values than we really do; we are all quick to find fault with others while making excuses for our own behavior.
I remember once, quite a while ago, having a discussion with a friend of mine. There had been a case in the news of some guy exposing himself to school children in a parking lot. And I recall being flummoxed by the whole thing. I could understand the usual kinds of inappropriate sexual behavior. I wouldn't condone it, but I could understand how guys might be sexually aroused by someone, or some situation, and they would try to have their way because they were selfish, or had poor impulse control, or for a host of other reasons. But I just couldn't understand what would motivate a guy to expose himself. What's the sexual charge? What kind of response could he possibly expect? I just didn't get it. My friend simply looked at me and said, "Well, that's because you're not a pervert."
So I'm not a pervert, and I don't know what goes through a pervert's mind. I'm not a psychologist, either. I'm just asking some questions, possibly some of them not politically correct, but in addition to being "shocked" and "revolted" shouldn't we try to understand why this goes on if we're going to try to stop it?
I wonder if our increasing acceptance -- possibly even encouragement, at least in the media -- of homosexuality somehow bleeds into people's minds. If homosexuals know that they are gay, even when they're six or eight years old, as they tell us, then doesn't that make them, in the minds of some people, sexual beings? Otherwise, how would they know? Maybe it's somehow more acceptable for a grown man to have sex with a young boy than it is with a young girl. I'm not saying it is. I'm just wondering, perhaps some people might follow that train of thought and get themselves and others into trouble.
Coaches and others should examine their own motivations for doing what they do. They should be very clear in their minds about what behavior is acceptable, and what is not. And people should watch out for those who have sexual issues, who intentionally or not put themselves in a position to commit a sexual crime.
Honestly, I really don't know what my point is here. I guess I can understand why people want to pursue their pleasures, why they want to fulfill their desires, even without regard to future consequences or to other people. What I don't understand is how anyone can get pleasure out of hurting someone else, how they can inflict pain, make them bleed, cause horrible psychological nightmares -- and still enjoy it and convince themselves that they're not doing anything wrong.
But I wonder, how has the increased accessibility of pornography affected people's attitudes toward sex? When you can check into a perfectly respectable hotel and watch porn on TV (you pick, gay or straight) or subscribe to porn on TV in the comfort of your home (you pick, young or mature), or download pretty much any kind of shocking and revolting sexual activity onto your computer -- does this make sex about as common and everyday and no-big-deal as ... oh, say, throwing a football around with the guys?
In my admittedly limited experience, I've never actually seen this problem. I've never run into a teacher or coach who didn't have the best interests of the kids at heart, who didn't genuinely want to help the kids. The problem is, I'm guessing, quite rare, at least on a percentage basis.
Everyone knows -- don't they? -- that it's a crime to sexually abuse anyone, male or female, and it's especially heinous to sexually abuse kids. The line may be blurred in some respects, but with kids the line is pretty clear, no matter how people rationalize their own actions or make excuses for themselves.
"We were just taking a shower." Yeah, sure.
Wednesday, November 16, 2011
Is America in Decline?
There's been a lot of negative news coming our way for several years now.. A constant drumbeat of recession, foreclosures, bankruptcies, increases in poverty, sky-high prices for energy and health care; while, they tell us, the American dream is a fading vision for many young people who can't get jobs, can't afford college, have lost the Puritan work ethic and given up on American optimism.
In fact, the drumbeat has been so loud, for so long, I'm beginning to wonder. I do not believe in American exceptionalism -- how narcissistic is that! -- but I do believe in capitalism, competition, entrepreneurship and the American can-do spirit.
But I must admit, it's getting harder and harder to hang onto that.
The list of seemingly insurmountable problems goes on and on: The stock market has gone nowhere for the past decade. Real wages are actually lower than they were in 2000, while unemployment is higher, the poverty rate is higher, and prospects for almost everyone seem more clouded. Meanwhile, Social Security is beginning to run up against its inevitable, long-term demographic problem -- too many recipients and not enough contributors -- while Medicare is facing even more daunting financial prospects.
Health care gobbles up more and more of our financial resources, while many people are simply left out of the health care system because they don't have the money to pay a doctor, or because they don't have the right connections (work at the right company or belong to the right association) to get affordable insurance. Meanwhile, it could be argued, as a country we squander huge medical resources on the extremely elderly while we deny simple health care to many of our children and young adults.
We face stronger and stronger competition from other countries around the globe. Third-World people who understandably want a bigger piece of the economic pie, are willing to work for wages much lower than workers in the Unites States. Yet, Europe is falling apart, threatening to bring the American economy down with it, while reports from Asia suggest China is slowing down, meaning less opportunity for our exporters and maybe less enthusiasm for buying our debt.
The housing market is moribund, becoming a dead weight on the American middle class. Housing prices have fallen an average of 33 percent since 2006, and some people like Jennifer Bridwell at PIMCO and Robert Shiller of Yale see another 5 to 10 percent decrease over the next couple of years -- with no recovery in sight for years to come.
State and local governments are going broke. Central Falls, a town in the economically devastated state of Rhode Island, filed for Chapter 9 bankruptcy in August. Just last week Jefferson County, Alabama, was filing the largest municipal bankruptcy in U. S. history. Meanwhile, by one estimate, budget shortfalls in 44 states could reach $140 billion for fiscal 2012.
Many American households are no better off. Last year almost 3 million homes went into the foreclosure process because people either couldn't or wouldn't pay their mortgage. Consumer debt currently stands at 112 percent of income.
Meanwhile, a record number of Americans are out of work. The official unemployment rate is calculated at 9 percent, but the real rate of people who want to work, but can't find a fulltime job, stands at about 16 percent. Historically, after a recession ends, it takes about six months to return to the normal employment picture. This time around, at the current rate of growth and job creation, McKinsey, the management consulting firm, estimates it will take another five years. Others calculate it will take even longer, as people who are unemployed for extended periods find that their job skills become outmoded, making them essentially unemployable. And the long-term unemployed tend to get depressed; they suffer greater health problems and have shorter life expectancies.
Will small business perform its usual function as the engine of job growth? Loans to small business actually dropped somewhere between 8 and 14 percent last year. Are our young people being trained for future jobs? According to the most recent study from the OECD Program for International Student Assessment (PISA), the U. S. ranks 28th among 41 developed countries in math skills, behind most European countries (including the Slovak Republic) and Asian countries such as Japan and Korea. U.S. students rank 22nd in science, and 29th in problem solving.
Meanwhile, we can't get anything done because of our polarized political situation -- some 25 percent of Americans sympathize with the Tea Party while, according to a recent Quinnipiac poll, 30 percent sympathize with the Occupy Wall Street crowd.
A recent Yahoo! finance poll found that 41 percent of Americans say that the American dream has been lost. And only 45 percent of Americans believe that their kids will be better off than they are.
Despite all these negative numbers, I'd still like to think America can find its way out of the woods. Remember the 1970s? They were pretty moribund. But then came the end of Cold War and the beginning of the Internet revolution, and we were back on the road to prosperity.. Can it happen again?
What say you? Vote in the poll at right. Explicate below if you can offer any insights, explanations or suggestions.
In fact, the drumbeat has been so loud, for so long, I'm beginning to wonder. I do not believe in American exceptionalism -- how narcissistic is that! -- but I do believe in capitalism, competition, entrepreneurship and the American can-do spirit.
But I must admit, it's getting harder and harder to hang onto that.
The list of seemingly insurmountable problems goes on and on: The stock market has gone nowhere for the past decade. Real wages are actually lower than they were in 2000, while unemployment is higher, the poverty rate is higher, and prospects for almost everyone seem more clouded. Meanwhile, Social Security is beginning to run up against its inevitable, long-term demographic problem -- too many recipients and not enough contributors -- while Medicare is facing even more daunting financial prospects.
Health care gobbles up more and more of our financial resources, while many people are simply left out of the health care system because they don't have the money to pay a doctor, or because they don't have the right connections (work at the right company or belong to the right association) to get affordable insurance. Meanwhile, it could be argued, as a country we squander huge medical resources on the extremely elderly while we deny simple health care to many of our children and young adults.
We face stronger and stronger competition from other countries around the globe. Third-World people who understandably want a bigger piece of the economic pie, are willing to work for wages much lower than workers in the Unites States. Yet, Europe is falling apart, threatening to bring the American economy down with it, while reports from Asia suggest China is slowing down, meaning less opportunity for our exporters and maybe less enthusiasm for buying our debt.
The housing market is moribund, becoming a dead weight on the American middle class. Housing prices have fallen an average of 33 percent since 2006, and some people like Jennifer Bridwell at PIMCO and Robert Shiller of Yale see another 5 to 10 percent decrease over the next couple of years -- with no recovery in sight for years to come.
State and local governments are going broke. Central Falls, a town in the economically devastated state of Rhode Island, filed for Chapter 9 bankruptcy in August. Just last week Jefferson County, Alabama, was filing the largest municipal bankruptcy in U. S. history. Meanwhile, by one estimate, budget shortfalls in 44 states could reach $140 billion for fiscal 2012.
Many American households are no better off. Last year almost 3 million homes went into the foreclosure process because people either couldn't or wouldn't pay their mortgage. Consumer debt currently stands at 112 percent of income.
Meanwhile, a record number of Americans are out of work. The official unemployment rate is calculated at 9 percent, but the real rate of people who want to work, but can't find a fulltime job, stands at about 16 percent. Historically, after a recession ends, it takes about six months to return to the normal employment picture. This time around, at the current rate of growth and job creation, McKinsey, the management consulting firm, estimates it will take another five years. Others calculate it will take even longer, as people who are unemployed for extended periods find that their job skills become outmoded, making them essentially unemployable. And the long-term unemployed tend to get depressed; they suffer greater health problems and have shorter life expectancies.
Will small business perform its usual function as the engine of job growth? Loans to small business actually dropped somewhere between 8 and 14 percent last year. Are our young people being trained for future jobs? According to the most recent study from the OECD Program for International Student Assessment (PISA), the U. S. ranks 28th among 41 developed countries in math skills, behind most European countries (including the Slovak Republic) and Asian countries such as Japan and Korea. U.S. students rank 22nd in science, and 29th in problem solving.
Meanwhile, we can't get anything done because of our polarized political situation -- some 25 percent of Americans sympathize with the Tea Party while, according to a recent Quinnipiac poll, 30 percent sympathize with the Occupy Wall Street crowd.
A recent Yahoo! finance poll found that 41 percent of Americans say that the American dream has been lost. And only 45 percent of Americans believe that their kids will be better off than they are.
Despite all these negative numbers, I'd still like to think America can find its way out of the woods. Remember the 1970s? They were pretty moribund. But then came the end of Cold War and the beginning of the Internet revolution, and we were back on the road to prosperity.. Can it happen again?
What say you? Vote in the poll at right. Explicate below if you can offer any insights, explanations or suggestions.
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