Page 93 of 121

A Special Reality: Happy Veterans’ Day

Michael Leave a comment

“Happy” Veterans’ Day may not seem to be the appropriate sentiment for this sentimental holiday.  We are celebrating the contributions of those who have served to keep our country free – and many, many other countries do likewise about this time of year.  No one has to be reminded that often the contributions of our veterans include injury and death.  Not the happiest of celebrations.

For our country, those who serve and have served for the past generation of service men and women have done so of their choice.  There are as many reasons why one joins the military as there are those who join.  Often those reasons aren’t even obvious to the volunteer.  He himself is a veteran and when one asks why He volunteered his life for those years the best answer usually comes out “because.”  The other question that is oft times asked is was it worth it.  And that best answer is always “yes.”

One would imagine that if all of the veterans from war, peace, and in between were asked if they would do it again, more would than wouldn’t.  You see them on television saying how proud they are to have served and they are.  It may not have been fun, it may not have been happy, but it was rewarding.

Our veterans have truly added to the fabric of our country.  They are the guardians of freedom and the guarantors of our pursuit of happiness.  So when you see one, or a group, or a legion, or a parade full of veterans go ahead and wish them a “Happy Veterans’ Day.”  It may be the most appropriate sentiment you can propose.

Now that’s what we think. Really. How ‘bout you.

 

Second Class, All The Way

Michael 1 Comment

It was during the first week of November this year.  That’s when He’s mailbox saw its first Christmas card.  Just like other years it was from a fund-raising organization.  And just like other years it was indeed a real Christmas card.  Unlike other years it came seven weeks before Christmas – impressively early even by fundraiser standards.

We like Christmas cards here.  They’ve been bought and counted and soon will be signed.  Most will get a hand written note scrawled inside it.  They will be addressed and stamped and put out for the mailperson.  Not as many as in years past but all to the best of recipients.  The most deserving.  The crème de la crème. But none of that just yet.  Not until sometime after Thanksgiving, probably a couple of weeks into December.  Even at Christmas mail only takes a couple or three days to get just about anywhere.  That’s real First Class service.

And that reminds us…back in the day when our parents were sending out Christmas cards there was Second Class mail in the US.  What ever happened to it?   Way back then one could send a card or letter by second class mail.  It seemed the only requirement was that the correspondence could not be sealed.  In exchange for the risk of just about anybody reading your mail (not unlike a postcard), postage was a penny less than First Class mail.  That was when First Class mail was something like six cents.  Today’s USPS rate sheet doesn’t even include the words Second Class but there is something called First Class for Businesses that’s cheaper than retail (read “real people”) Frist Class at 38 cents versus 49 cents.  Hmmm.  We wonder.

Somewhere along the way the post office lost its way a bit.  They’ve lost their share of mail also but that’s not the point here.  It seems to us that whether its 49 cents or 38 cents or $5.75 (that’s for Priority Mail), it’s still a deal to get a letter to any address in the country.  The other guys charge at least $13.50 for two day service and they lose packages also.  Back to the post office, it has lost its way a bit.  Between some late deliveries and salary issues, and whether to deliver or not deliver on Saturday and the general ineptitude that comes from any government agency (they say they aren’t but they really are), some people are losing faith in the service.  But every year around this time more people are planning on counting on the USPS to send their Christmas greetings to the masses.  Not by e-mail, not by text, and certainly not at $13.50 a piece.  Nope, those cards and letters are going by the old stand-by, the post office.

Most of them will go out sometime after Thanksgiving, probably a couple of weeks into December.  With their flaps seals shut.  First Class.  All the way.

Now that’s what we think. Really. How ‘bout you.

 

Big Deposit, No Return – or – Politics as Usual

Michael Leave a comment

Thanks be to all that is holy – “Election 2014” is over!  Woohoo!  Now we can stop with the crazy television ads, incomprehensible radio ads, and unnerving street side campaign signs (although not far from He’s house is a hillside with signs from last fall’s election (yes, it was one of the losers (isn’t that always the case?)).  The questions have been put and answered who will “lead” for the next few years.  The big question (why them?) might never be answered.

No, this post has nothing to do with the politics of politics.  Rather, it’s the economics of politics we’re calling to our question.  Here’s a case in point.  The governor in our state will be making about $190,000 of our money every year for the 4 years he will serve.  That’s about $760,000 total.  He spent over $40 million to get that job, and according to the news, over $10 million of it was his own money.  Apparently he is pretty well off even without the nearly $200K annual stipend.  That means for his job search, he spent (of his own money) 13 times what he stands to make over the next four years.   That’s over 52 times what he spent of everybody’s money to get that job.  Hmmmmmm.  Is this really the man we want proposing a budget for the entire state?

Stop to think about you most recent job search.  If you are absolutely thrilled with your current position you probably still look to improve your standing every now and then.  If your current position pays you well enough that you could afford to spend $10 million looking for a new position we’d probably say that you are pretty thrilled and that current position is fairly secure.  Your search might include checking out an Internet job board or the careers pages of a company you have lusted over since you got into your field.  Total cash outlay, whatever you spend on computer or smart phone access which also includes your e-mail, general searches, everyday access to your favorite websites, blogs and videos, and the occasional cyber shopping trip.  A deal at maybe $500 for the year.  If you land a job that pays that same $190,000 our governor will make next year you would have spent less than one-quarter of one percent of your potential salary to make that new salary.  (You can propose our budget any time!  Have you thought of running for governor?)

Of course it could be that those willing to spend 52 times to get a job that pays what they stand to make in a year are looking at more than just a return on their investment.  For whatever reason, someone was weird enough to spend a whole lot of money to get a job that makes comparatively very little money (and not just his own money, he convinced others to let him spend millions of their dollars also).  And more people were weird enough to vote for that guy thinking that made a lot of sense.  Maybe it will.  We suppose we’ll find out in the next four years.

For now, it would be nice if they get those signs taken down.

Now that’s what we think. Really. How ‘bout you.

 

Up Next: Stoopid Tuesday

Michael Leave a comment

Only 52 shopping days until Christmas.  We could have sworn Black Friday was just a couple weeks ago.  Oh wait.  It was.  Seems around here stores have been advertising “Black Friday Prices” for their weekend sales for the past month or so.  Weekend sales, actually one day sales (with an extra preview day and sometimes an extra wrap-up day) are sweeping the country.  Everything is cheaper on Saturday.  It makes one wonder what those poor schmucks who work the weekend have to pay when they go shopping on Tuesday.

Tuesday has to be the pits, shopping wise.  We know about the weekend sales (actually one day sales on Saturday with an extra preview day on Friday and sometimes an extra wrap-up day on Sunday).  We know that on Monday there will be unadvertised specials to get rid of the “special purchases” brought in just for the more unsuccessful weekend sales.  Thursday is the day the buyers set out the stuff that will be on sale on the upcoming weekend sales and there will always be new discounts for the shopper willing to use his or her store credit card to reap those extra savings on this extra savings day.  Wednesday is the day that the grocery stores end their weekly specials so everybody is there picking up the items they said they would go back and get before the sale ended.  That leaves Tuesday as the only day that a retail store actually sells stuff at the full retail price.  Assuming that somebody actually goes shopping on Tuesday – Stoopid Tuesday.

But things will be a little bit better now that there are only 52 shopping days until Christmas.  Just in yesterday’s paper there were advertising supplements for trees, ornaments, lights, toys, and camping gear with their advertised prices good all week long.  But the ads for clothes, shoes, scarves, hats, gloves, outerwear, and underwear were noticeably missing having come out on Thursday for their usual weekend sales (actually one day sales on Saturday with an extra preview day Friday).  You can get a great deal on a crossbow this Tuesday but forget about finding any deals on a new winter coat until later in the week.

We hope you don’t have to work weekends so you too can take full advantage of the amazing “Black Friday Prices” at this week’s weekend sales (you know, the one day sales on Saturday with an extra preview day Friday) without the annoying wait for Black Friday.  But if you have to work this weekend remember, there are only 8 Stoopid Tuesday shopping days until Christmas.  That leaves you with 44 other days for the good stuff.  You’ll be fine.

Now that’s what we think. Really. How ‘bout you.

 

Children of the Candy Corn

Michael 2 Comments

Listen up everyone.  Today, as is October 30 of every year, is National Candy Corn Day!  And you thought you had to wait for the last day of the month for the only good holiday in October.

Candy corn is good stuff.  Butter, sugar, honey.  What more could you ask for?  Add some food coloring and a little more than an hour of your time and you have the ultimate fall candy.  Better still, hop on down to the grocery store and buy packs of the stuff in a little more than a minute.

Some of you reading this might remember making or getting home made candy and treats for Halloween.  Candy corn, candied apples, fudges, cookies, popcorn balls, and gooey nut clusters were classics where kids would memorize the houses for year to year gratification.  Then some psychopath decided it was a good idea to stick razor blades in apples and now all any self-respecting parent will let a child keep is whatever comes sealed by the manufacturer.

Today if you want home made you better hope that a very generous soul invites you to his or her (or their) house party. Or, bring back the traditions and make your own for your own.  Nothing wrong with that.  And you control the ingredients.  Perhaps a splash of rum added to the popcorn balls’ caramel paste or some bourbon infused marshmallows to hold the nut clusters together.  Maybe bobbing for apples in a barrel of Riesling.  Now that’s a party!

But back to the candy corn.  Yes it’s fall and yes the ultimate is chowing down on those little kernels usually before they even hit the candy dish.  But there is so much more one can do with these a-maize-ing treats.  Sprinkle them on your cupcakes like, well like sprinkles.  Let them play with your cereals either in your Rice Krispy treats or Chex mixes.  Add them to a batch of chocolate chip cookies.  Mix them with the peanuts before adding that whole kit and caboodle to popcorn and caramel for an even sweeter popcorn ball.

And finally, three words that will serve you well for the entire fall season:  Candy Corn and Prosecco.  It doesn’t get any better than that.

Now that’s what we think. Really. How ‘bout you.

 

Let’s Be Careful Out There

Michael Leave a comment

The great candy/costume countdown has begun!  Depending on where you live it could be just 4, 5, or 6 short days till Treat or Treat Night.  We’d say till Halloween but that’s always October 31 no matter what calendar you’re using.  Why the varied time spans?  Because October 31 (Halloween, remember) is on a Friday this year.  We don’t know about where you are but here that’s high school football playoff time.

So people don’t have to decide between the lessor of the two evils (or greater of the two hauls), many municipalities within school districts involved in the playoffs are opting to move one or the other.  Since football is an immovable feast, Trick or Treat is the one to go.  It seems like that might confuse the ones who are the most excited about Trick or Treating (Halloween party attendees excluded).  Those would be the little ones, the same little ones who watch the television sit coms and specials that feature their stars Trick or Treating on Halloween – a sort of novel concept for this year.

A quick check on the Internet revealed that at least 26 communities in our county (out of 100+) are holding onto tradition, including both He and She’s. It just seems right that Trick or Treat happens on Halloween.

But there could be issues.  And not just football conflicts.  Most places allow Trick or Treating from 6 to 8pm.  Most football games start at 7.  There could be a mad rush at the beginning of the tour with folks hurrying to still make it to the games.  And it is a Friday.  There will be parties – house parties, office parties, bar parties.  All of them will have people rushing to and fro, mostly in SUVs way too big for just one person versus multiple children.   And then we’ll add that here our local weather forecast is calling for mild and clear all week long, except for Friday night when it will be cold and rainy.  Translation: it will be slippery and extra dark.

Even with the potential for problems Halloween fun belongs on Halloween, including Trick or Treat.  Kids are kids only once (Halloween party attendees excluded).  We just have to make sure that the potential for avoiding problems is stronger than the reverse.  Halloween night, it’s always a great evening for a neighborhood stroll – just be careful out there!

Now that’s what we think. Really. How ‘bout you.

 

Day After Day

Michael Leave a comment

Who knows how it happened but recently He of We’s e-mail box has been under a new assault of junk.  It’s not even good junk.  It’s mundane buy this, buy that, enroll in this class, give to this cause, apply for this job, have you thought about a cemetery plot lately?  Fortunately, hidden at the bottom, in the world’s smallest font, usually in the world’s least contrasting color to the background (ivory on white should be illegal) is the “unsubscribe link.”

We suppose most of us would prefer not to be regimented by time, day or year but unfortunately most of us are.  Work schedules, meetings and appointments vie for our attention along with their and other imposed deadlines.  It is the deadline or action time that confuses us most.  Sometimes the measuring of time makes sense as we described in “Apology Accepted” (April 1, 2013).  Other times those times make no sense and we said so in “Past Their Prime” (October 13, 2014).  But now we found a new one that is so quite arbitrary it also should be illegal.  Or at least make somebody feel bad.

Let’s take a little detour to the early days of the home computer.  We’re not sure how many of you might have been around for those challenges but challenges they were.  Everything was written in DOS and written in some weird reverse logic notation where yes meant no and no meant uh oh.  Deleting entire files was a daily occurrence.  Deleting files, erasing directories, reformatting entire disks and drives.  There was no stopping the carnage!

So now, let’s come back to the present and that “unsubscribe link.”  You really don’t want any more e-mails from that sender so you click on it.  At least twice.  Eventually it opens a web page.  There you click on another “unsubscribe link” sometimes having to re-confirm your e-mail address.  At least twice.  Then you click on “Yes” when asked if you are sure you want to do this.  Again, at least twice.  And then you get a message.  “We’re sorry to see you go.  Please allow 21 days for your e-mail address to be removed from our files.”

Twenty-one days?  What are they doing for 3 full weeks?  We know from history that you can delete a record in record time.  In 21 days they can remove all records of all e-mail addresses ever used to send anything to anybody.  From the beginning of computer time.  To be fair, some sites can actually get the job done in ten days.  Usually these are the same sites that will gladly sell you just about anything and guarantee next day delivery.  But it takes a week and a half to delete an e-mail from a list.  Yeah, right.  Let’s all stand and applaud their efficiency.

Twenty one days.  Talk about arbitrary.  Next thing you know, banks will be calling anything that happens after 3pm tomorrow.

Now that’s what we think. Really. How ‘bout you.

 

It’s the Not So Great Pumpkin

Michael 2 Comments

According to the gardening section of our local paper this was a banner year for pumpkins.  Around here you don’t need a reporter to tell you that.  Pumpkin harvests are far ahead of any recent year and they are still growing.  Pumpkins are everywhere!  Grocery stores have them by the crateful; pumpkin patches are overflowing; backyard gardeners actually grew usable pumpkins this year. On a trip to a drug store He tripped right into a crate of fresh pumpkins right there in the front aisle between the cell phone cases and the “as seen on TV” end cap.  Truly, pumpkins are everywhere!

Homes are filling with plans for pumpkin pies, rolls, cakes, cookies, and custards.  All of the good things that pumpkin has to offer when fall rolls around are going to be as everywhere as the pumpkins themselves are today.  And that’s good.  That’s great.  Usually fall means canned pumpkin for some pies and a pumpkin roll.  But it’s only in the years where there are so many fresh pumpkins that home bakers become more adventurous and try their hands at some of the great pumpkin offerings usually paged right on by in their cookbooks.

Unfortunately, “adventurous” is not limited to the merry home cook.  The commercial world has also caught on that there are a lot of pumpkins this year.  For years we’ve dealt with the pumpkin shaped peanut butter cups and the pumpkin shaped marshmallow “peeps” and the chewy pumpkins that you find on the shelf next to the candy corn and keep hoping they taste like the candy corn but they really taste more like the cob.  And that’s usually it.  A few things that look like pumpkins and taste like something else.  Well, not any more.

It must have started with the coffee shops.  Every year they all come up with their own version of pumpkin spice coffee.  Not bad if you like pumpkin and coffee.  Sort of like eating a piece of pumpkin pie while speeding down the highway on your way to work.  (Not really but those guys from Seattle spend a bazillion dollars wanting us to feel that way and who are we to burst their bubble?)  But now, things are out of control!  Just in yesterday’s paper, in one advertising insert for just one mega-store chain, it said that you can go in and buy pumpkin flavored ground coffee, tea bags, latte, oatmeal, yogurt, Oreos, Toll House chips, and chewing gum.  Pumpkin flavored chewing gum?  Really?

We think maybe someone is carrying this pumpkin thing a little too far now.  Pumpkin flavored chewing gum.  Hmm.  That will show up at the discount houses soon.  Now if you’ll excuse us, we saw a recipe for pumpkin pie rice pudding we want to try.

Now that’s what we think. Really. How ‘bout you.

 

Breach My Britches

Michael Leave a comment

We’ve talked about this before and people aren’t listening.  Or maybe they are and they don’t care.  After all, it’s their money if they want to give it away.  It just seems that it’s more the Average Joe and Josephine that are being bamboozled.  And just what are we talking about?  Call it what you will from the polite “breach” to the let’s-be-honest-about-this “theft.”  (And you’re probably figuring out that this isn’t going to be one of those breezy, happy go lucky posts today.)

So, here’s the deal.  Now K-Mart has joined Target and Home Depot and Michael’s and even P. F. Chang’s and Dairy Queen having had their charge systems hacked.  And what about all the other stores owned by the same companies?  If K-Mart’s systems have been compromised what about Sears and Lands’ End and Parts Direct?  Is our money in peril at these stores also?

How do we know these attacks are aimed at the little guys, the you’s and me’s of the world?  Look at the targets, like Target.  Not the sort of places Donald Trump patronizes.  Why us?  Because is seems for the good or bad, our demographic doesn’t pay much attention to our money.  We’re funny that way.  We might make sure our 401K is being matched but we willingly hand over our debit and credit card numbers to any retailer – brick and mortar, on-line, or phone.  It might only be a $10 purchase but it’s usually $10 we don’t have in our pockets and pull out a card for payment.  Stop and think about it.  When was the last time you used real money for gas?

So using money might help to fix things.  If there aren’t cards being used then cards’ information can’t be stolen.  But what about virtual stores?  You can’t stuff a $20 bill into a modem.  We used to use things called checks.  We would order something, send in a check for payment, and the store sent us merchandise in return.  Just like with money!  So you had to wait a few extra days but it beats spending days on end trying to convince the good folks at your local bank that you really didn’t go to Barbados last weekend and spend $2,400 on Jet Ski rentals.

If you think you’d like to get in on this new-fangled thing called money you better do it quickly.  It seems a number of banks are considering doing away with, and some actually already have done away with branch offices.  They could soon be no bank to go to get money.  We’ll still have ATMs but they aren’t any more secure than the stores’ money systems.  In fact, banks have already been hacked.  JP Morgan Chase may be the most recent, and affecting 76 million households the largest, but it’s not the first bank to lose our data.  (See list below.)

Where do you shop?  Big box stores, grocery stores, on-line? This year’s retail “winners” in the data breach contest are the thieves who hacked into Home Depot, Target, Supervalu, Neiman Marcus, Michael’s, E-Bay, and K-Mart.  Where do you bank?  There are too many of them that have been lost to thieves to even think about.  And when you think about banking don’t just think about your debit card.  Where are your credit cards issued, processed, and billed?  Who holds your investments?  Do you have retirement funds sitting somewhere?  And who will be next?  Insurance companies or utilities?

A poll taken by the Travelers’ insurance companies in July of this year discovered that only 23 percent of those questioned worry a great deal about identity theft.  Even though the past year has seen at least a half-dozen major news stories on significant data breaches, this number is actually less than those who worried a great deal about identity theft in May of last year (31%).

So come on now.  Join us and join the folding money brigade.  Do you know where your cash is?

Now that’s what we think. Really. How ‘bout you.

 

(To see our past posts on this topic please enter “Debit” into the search box at the upper right of this screen.  To see the real scary stuff, type in “Bank Data Breach” or “Retail Data Breach” into a search engine, skip the articles and go straight to the comments.  Scary, scary.)

The Top Ten Data Breaches per Bankrate.com (Data from 2013, does not include 2014 incidences.):

Target (affected 40 million card accounts and 70 million customer data for $1.5 billion)
Global Payments, Inc. (1.5 million card accounts for $90 million)
Tricare US Military medical insurance (5 million beneficiaries’ identities stolen)
Citibank (360,000 credit card accounts for $19.4 million)
Sony (100 million users’ identities stolen)
Heartland Payment Services, credit card processor (130 million card accounts for $2.8 billion)
Bank of New York- Mellon (12.5 million customers’ personal data lost during back-up transfer)
Countrywide Financial (17 million accounts downloaded by employee and sold to other lenders)
T. J. Maxx (90 million card accounts for $2.47 billion)
Veterans’ Administration (26.5 million veterans and active duty identities stolen)

Past Their Prime

Michael 1 Comment

Everything has an expiration date.  We suppose that means that everything expires.  But do they really?  Ok, first of all, this post really isn’t about expiration dates.  Just hang in there for a couple of paragraphs.  Second, they aren’t all “expiration” dates.  Without getting too technical, let’s look at all of those dates on the things we buy.

“Expiration” dates are the dates that the product ceases to exhibit the characteristics identified. For example, after the expiration date there is no guarantee that an 81mg aspirin tablet will still deliver 81mg of aspirin. It may not hurt you to take it but you won’t be getting the full benefit of it.  Drugs, chemicals, some baking products have expiration dates.  Most often these dates are the first or the last day of a specific month and year (“Expires Oct 31, 2014”).

“Do Not Sell After” dates are the last date an item should be sold that still will deliver the product with the expected quality and safety for some additional period of time.  The most famous sell by date is on milk.  If you buy milk on its last day of sell you don’t have to chug it all before midnight.  You can buy milk on the last day and take it home and drink it over several days.  The number of days are some agreed upon time based on harvest and packaging (or milking, a harvest of a different hand).  The tricky part with these dates is that each product has its own expectation of use period.  You can look them up or let experience be your guide.  Does it still smell good?  Drink the milk.  A couple or three days won’t hurt you any.

“Beyond Use” dates are the dates a product should not be used beyond.  (Clever, don’t you think?)  This means the item is not going to do you any good and may do you harm if you take it or use it after that date.  Specialty drugs, hand-crafted or some artisan food products, and certain chemicals have beyond use dates.  These dates have been determined by specific tests and assays and are usually published in official references for the products’ manufacturers.  If it says that the beyond use date (or “Use By”) is October 12, 2014, that means the 13th is bad luck.  Don’t do it!

That, at last, brings us to the heart of this post.  Coupons!  Last weekend He was going through his coupon keeper (yes, he uses coupons) slotting in last week’s haul and sifting out the “expired” coupons.  And that’s when it struck him.  Why are coupons so bleeping specific?  He was planning on grocery shopping on Sunday, October 12 but many of the coupons that could have been useful expired on October 9.  What was the significance?  It was far from the start or the end of the month (at least 9 days).  October 9 was not a week’s start or end; it was a mid-week Thursday.  They originally came from a Sunday newspaper supplement so they weren’t a specific number of weeks from their published date.  It was some random day someone picked out just like they were dealing with caustic chemicals that would inflict harm if you dared tried to redeem them after their beyond use date!

We understand it is by the companies’ good graces that they honor us with special savings but it turn they also are creating brand loyalty.  Get with it big companies and coupon printers!   If it’s good enough for aspirin to expire at the end of some generic month, why can’t coupons be the same?

Now that’s what we think. Really. How ‘bout you.

(Do not read after December 31, 2045.)