Friday, November 27, 2009

Crisis Now or Crisis Later?

Only the ignorant believe that the gov't has fixed anything or can fix anything.  

There is a lot of criticism of corporations because the managers there seem to conduct their plans to achieve the results each quarter and each year. If they don't their shareholders may punish them by dumping their stock. But sometimes these plans are at the expense of longer term growth. Our government is like that too. Politicians feel that they must fix something or "solve" something during their term in office so that they can continue in office. If they don't they have the constant anxiety that the voters will dump them from their office. (Great case for term limits don't you think?)  

What does this lead to? Only actions that have immediate impact. "If the only tool you have is a hammer, all problems look like nails." - unknown. The government really has only 2 tools, regulation and spending. Regulation is the slow tool but often the wiser of the 2 tools. But when congress or the people perceive a crisis, the most commonly used tool is spending. "Make the people happy today." "Relieve the people's suffering today". "We'll leave the fixing of the problems arising from making the people happy to another day or another administration or the next Congress."  

Of course the wise among us, (who aren't in Congress), realize that a formula of spending today without regard to income and debt levels is a recipe for much worse crisis later. This administration and this Congress are not the first to mortgage future generations to pay for the comfort of the current one but they have raised this to new heights.  

Frankly, the people need to take some of the blame here. We know that there are huge numbers of slackers among us who want the government to relieve their perceived suffering now and tomorrow be damned. However, even conservative radio and TV are blasting this administration because unemployment is still above 10%. They are talking out both sides of their mouths. The government has already interfered too much in the economy. Do they want the government to do more to solve unemployment? That just begs them to spend more.  

Our country is headed for an economic crisis. Each time we try to fix short term suffering by spending we are adding to the balloon payment that is coming due on our children and grandchildren. That balloon will burst at sometime in the future. The administration has already admitted that the interest only on the national debt will reach $700 b every by 2019 (only 10 years away). That's nearly the amount of the stimulus package from last year and you can bet there won't be anything stimulative about that interest payment. A valid question here for future comment and debate might be, "Are there those in gov't who would choose to ruin our economy to create a greater crisis and appeal for greater gov't control?"  

I feel bad for each person who wins the Presidency from here on out. It will be like playing Russian Roulette. Will their's be the watch when the balloon pops?  

We the people must consider taking our lumps now. Save and conserve because a raining day is coming.

Thursday, October 29, 2009

Opting Out

Do you send in for rebates?  You have to gather your receipt and often cut a piece off the packaging, fill out a form, stick all the above in an envelope and see if you can dig a stamp up from the junk drawer.  If you're lucky you can put it out in the mailbox at the end of the driveway. Otherwise you may have to drive somewhere to find a mailbox.  How much of a rebate makes this all worthwhile?    Manufacturers count on most of us to skip it.  But they can still advertise and attract us with the "after rebate" price.  We have to Opt In to take advantage of the rebate.



Many other things are Opt-Out for that same reason.  Employer 401k plans have been moving in the direction toward signing new employees up automatically when they start, forcing them to "Opt-Out" if they don't want it.  Again, they do this on the belief that the majority of people are likely to skip it and let it happen.

Credit card companies are likewise putting terms changes out to their customers on an Opt Out method that forces them to affirmatively choose to skip the change, and often have to cancel their card.

Opting out/in is a form of manipulation to get people to behave in a favorable way toward some institution or policy.  It depends heavily on the belief that most people will just skip the step because they are already busy enough just living their normal lives.

Now the liberals in Washington are using this same manipulative method of forcing states to Opt Out of participating in the Public option.  The Federal gov't will force the states to pay for the program but will leave it up to each individual state to decide if their citizens can participate.  This is a cowardly approach. (Who is surprised here.) Instead of passing or not passing a bill for the Public Option honestly and openly they are sneaking around through the back door and putting the pressure on each state.  Whether a state opts in or out its citizens will still be on the hook for the taxes and borrowing necessary to fund the program everywhere else.

Don't be manipulated.  Tell your representatives that they need to do the honest thing.

Friday, October 23, 2009

Planning to fail

"If you fail to plan, you plan to fail"

Have you heard this before?  Have you given up on planning because failure/missing the mark/disappointment has been all too common?   Have you ever had to pay a penalty because you didn't plan ahead?  I.e. miss a flight and paid a change fee?  Paid a late fee because you ran out of money before all the bills were paid?    Maybe you're a workaholic and you need to plan some time away. Otherwise it will never happen.  Consider this, things to do are inevitable.  Having things to do is one of those universal levelers across humanity.

"Plans often last until you meet the enemy" 

Military commanders encounter this often.  Great plans. Great strategies.  The enemy does something unexpected.  Of course, the enemy can be a metaphor for any project or task before us.  (Remember we ALL have them.)  Most often we can plan thoroughly and find that there were variables that we didn't/couldn't predict causing us to have to improvise and change our plan.  Have you ever missed a flight even though you left enough travel time to get to the airport but there was an accident or construction causing delays?  Or had an unexpected expense that siphoned off cash planned for other bills?  Have you given up planning because of this?

Failing to debrief after a plan is executed is often like not closing the corral after rounding up the horses.


If the plan worked, why not reflect on why and celebrate?  Repeat successes.  If it failed, even more reason to figure out why not.  Try not to repeat that plan.  Don't you wish that you could have all of that penalty money back, i.e. the ticket you received speeding to an appt?

I know that this should be common sense.  Maybe you're a good planner.  Are you a good debriefer too? Frankly I see people repeatedly not planning and paying the premium for that constantly.  This common sense isn't all that common.  The good news for the rest of us is that we can rise above those who plan and succeed at more opportunities, even gain access to more opportunities.    Of course that would widen the gap between the haves and the have-nots, common sense that is.

Sunday, October 18, 2009

Repeat After Me

I hate repetition. Teachers tell me that repetition is an essential tool in learning. I'll have to take their word for it. I hate maintenance because it really is repetition by another name. But hating it and not doing it are different.

I can hate maintenance but if I don't clean my house, my car, my body you can see the outcome. My lawn doesn't stop growing after I mow it. Don't you hate that?

I can hate repetition but if I only go to the gym once, I have wasted even that one time. I have to go repetitively. Interesting that not going is likewise repetition but apparently I don't hate that. If I don't repetitively go to work I will likely lose my house and car and not have to mow my lawn anymore.

David Bach, in his book Automatic Millionaire, tells us this common sense thing. Repetition is essential to wealth. If you save money only once, you will never be wealthier than you are now. He says that it is so important that you should not leave it to your memory. You should set up automatic savings, i.e. through your job or your bank.

Repetition has a cumulative impact. Doing something only once rarely has any long term impact on our lives. Doing something once is an experience. Doing it repetitively builds a skill and a habit.

Repetitive expressions of love and appreciation lead to stronger relationships.

Human beings are creatures of repetition. We repeat things whether we choose to or not. Not exercising can be repetitive. Smoking and other unhealthy activities have proven that they can be repetitive. A wise step might be to make a list of my repetitive activities to consider what the long term impact appears to be. If there are some things in life that you want, consider what repetitive activities could make that happen.

Have you ever considered why some people are successful and some are not? You may have thought that it has to do with talent or money or education. It's really much simpler than that.

Success principle: Repeat positive activities.

PS: God has promised to help us make better choices. You can try to do it on your own but success is more likely when you ask Him to help. Oh and He also encouraged us to keep, repetitively asking. Mat 7:7 "Keep on asking, and you will receive what you ask for. Keep on seeking, and you will find. Keep on knocking, and the door will be opened to you.

Wednesday, February 11, 2009

Romance and Economic Crisis

Romance, in it's broader definition, portrays a rosey picture of reality. Most often this is of a relationship where the realities of life are set aside for awhile in order to enjoy some moments of mythical bliss. Romance can often be applied to nostalgia where we remember things better than they were and perhaps we try to relive those experiences. In it's broadest sense, romance allows us to deny reality and imagine a brighter picture. Tension often occurs as we try to implement our romantic scenarios or refuse to relinquish them as though they were a constitutional right.

In a recent article in my favorite newspaper, the Wall Street Journal, we have this quote about a family that cannot camp in Big Sur Nat'l park because a bridge to access it was stopped due to budget cuts in CA.
Dan and Vickie Coughlin of Torrance, Calif., face not camping in the park with their daughters, ages 10 and 13, for the first time since they were born. When they were advised they couldn't book reservations, "it just broke my heart, and my kids almost cried," said Ms. Coughlin.
Apparently, this family hasn't been paying attention. California is accruing a $42b budget deficit. I think that we can all understand that word. We know when we have a deficit in our spending. Too much month at the end of our money. The Republicans, a sad minority in that state, want to cut spending and not increase taxes to cover this. The Democrats want to raise taxes and have only moderate spending cuts. It's baffling to me that gov't seems to be the only organization that thinks that raising prices in the middle of a recession is good policy.

Politicians across America are whining about declining revenues due to falling house prices and reduced consumer spending. They seem to think that gov't shouldn't have to tighten their belts and their purse strings just like everyone else. Of course this attitude is supported by folks with romantic notions of how life should be. We should not have to be restricted on the days that we go to the library or the park. Schools should never have to cut back on sports, music, or arts programs. So many programs and organzations grew up when times and money were good and now we feel like we cannot or should not have to live without them. There seems to be a huge disconnect between the services that gov't supplies and where the revenue for those services come from.

The second worst illustration of this romaticism is the whine from many gov't agencies that a cut in their budget will mean a cut in jobs. Duh. The gov't does not exist to create jobs but must of necessity create jobs to fill the need for services if money is available. If money is not available then the services must be terminated and the jobs accordingly.

The worst situation created by this romantic view that we should not have to cut any services or programs is that state governors are appealing for bailout money from the federal trough. Why is that a problem? Because the money they get for their states comes from taxpayers in other states who may not use or even be happy with the policies and programs of that other state. The bridge to Big Sur is a fine idea. I've been there. It's lovely but I don't want the federal gov't to go further into debt to pay for the bridge there and then force subsequent generations of people from Florida and Wyoming and Kansas to have to pay that debt. Parks are a luxury just like an expensive vacation for each of us. No matter what you think about illegal aliens, California's policy is to provide all of them with free health care at area hospitals. The costs associated with this policy is born by the taxpayers of California. Residents of Florida or Massachusetts or Texas have no vote in California policy. Should the state of California be given taxpayer money from residents of other states to pay for this policy that is contributing to this deficit? Apparently, the residents of California cannot afford this policy. Why shouldn't they be required to live within their means?

Romantically we may be nostalgic about the good old days when times were better. These are not those times. We have become a nation of whining two year olds demanding that things go back to the way they were.

http://wsj.com/article/SB123431135774170619.html?mod=igoogle_wsj_gadgv1&

Wednesday, January 28, 2009

God and Blindspots

Jesus said that we should love our enemies. After all if you love only those who love you how are you any different from those who are far from God?

Seems to me that loving people is a bit like the concentric rings of a target. Where someone comes into our circles could possibly be measured by what we might be willing to do to help them. Those living in our inner most ring are those closest to us who like us and love us and we find it generally easy to love, family and friends. In my case this includes my cats. We might be willing to sacrifice our primary resources for these people. Parents often help sacrificially for their children. Almost as often grown children might sacrifice to help their parents.

The next ring might be those we encounter in our normal circuit of life, i.e. church, work, neighborhood, etc. In contrast to those in the inner circle who "like us", sometimes those in this circle might be classified as people that ARE "like us". We might be willing to dip into our reserves in order to help someone like this.

Further out we might find people not that much like us but who might be in genuine and immediate need. As with the last ring our normal human compassion might draw us to reach into our reserves to help them.

There seems to be another ring out near the perimeter. These are people in our blindspots. Depending on our values and biases these people may be business people, government workers, people on welfare, lazy people, immigrants, atheists, Muslims, liberals, conservatives, criminals. I was taken to the woodshed by God recently on this issue. Ouch. Really, would we be willing to extend our resources to help anyone in our blindspot, if we could figure out what our blindspots are?

I'm not sure whether the ring of people who don't like me and would do me harm if an opportunity presented itself is still further out beyond my blindspot ring or not. I suspect so. Would I be willing to spend any resources here?

The greatness of Jesus' love is that that He didn't love out of His reserves and He didn't love just those closest to Him. He loved sacrificially right out to the last ring of those who did Him great harm. I'm not there yet but if we are to grow into Christlikness, how and where we extend ourselves might be a good metric.

Friday, January 16, 2009

God and Performance

There is alot of material in the community of Jesus' followers about grace and forgiveness for screwing up. Though most of us still struggle with forgiving others and receiving forgiveness ourselves. We have high confidence, dare I say "Faith", that God is big on forgiveness and grace as well. And most of us are pretty well acquainted with our own screw ups, whether from our own discovery or with the help of others. A very good friend of mine kindly pointed out my unkindness toward some airline personnel recently. I sure hope that there is grace for me there (and lessons for the future).

I wonder though how God feels about performance of a job or task or responsibility before we have already delivered poorly? Do we have any information about that? We do have this from Col 3:23,"Whatever you do, work at it with all your heart, as working for the Lord, not for men". Does that mean that we need to be doing our best at whatever task we have? Better in our jobs, in our families, in our church and community? Is there any motivation for best over better? Is there any priority for excellence in the community of Jesus' followers? I know a Christian brother who owns a business but does not like to hire other believers because they rely more heavily on grace than performance. Is that where we have come in our faith? Are we truly balanced and working at everything as though we were working for God?

There is alot of material in bookstores on how to do more things and how to do a few things well. The general view is that no one can do many things excellently. And yet the cause for much poor work and poor performance is that we are too busy or 'didn't have time'. This doesn't apply just to work. It also applies at home. How many fathers would score a low performance appraisal for their work at home? How many husbands want to be the very best husband possible?

Do we miss out on empowerment from God in our responsibilities where He provides super-wisdom, or super-endurance or super-? because we didn't bring our best to the situation?

So really, how does God feel about performance? or Excellence in what we do?

Confession: I don't perform excellently in all I do and it's disturbing to me. Due to my background I suffer from hyper-performance-mania. If you find something in my life that I agree with you is performing poorly, I will likely obsess on fixing it. I need to learn to relax "excellently".

Thursday, January 15, 2009

God as Coach

Each year it's fashionable to make resolutions of the things we would like to accomplish in the new year. The most common resolution is to lose weight followed closely by getting out of debt. This year I have both of those and one more, I would like reach some level of proficiency with Spanish. I've had the first two on my resolution list for so many years I've thought of having them tattoo'd to by body. Since more resolutions fail than succeed, many people have paid personal trainers and life coaches to help them accomplish their resolutions. This can be an expensive situation and still can't guarantee success. I wonder if there isn't a better way?

As a follower of Jesus, I have it on good authority that God loves me. He loves everyone of course but not everyone knows it or wants it. I also have this, "being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus." Ph 1:6. I wonder if God would make a good coach? I know that He is already about transforming me. I know that He will give me wisdom if I ask. (James 1:5) In fact I know that I can cast all of my concerns on Him. I know that if I become ill that He may heal me. What if I ask Him to help me start now to be healthier and wiser? I wonder if I can ask Him to be my coach and help me with my resolutions?

Ok. So that's what I've done. I ask Him each day to help me make good food choices and to motivate me to the gym. What I really need is for Him to help me remember to ask Him each day. I've started the year somewhat imperfectly because I haven't asked the coach each day. But I keep asking. Some days I really don't feel like going to the gym. Am I alone here? Even so, strangely, I've still found myself there.

Interestingly as well, He has pointed out some of my habits that can be counter productive to success. I.e. crashing at the hotel when I get done with work and watching TV. Have you any idea how many food commercials and commercials to get me to buy stuff I don't need there are in an avg eve of TV (2 hours)? Me either but it's alot. As my coach He didn't just show me this but He helps me find other things to do with my discretionary time. BTW, by reducing my TV consumption I also support my other resolution of paying off debt. If I don't see it I may not want it. The jury is still out on that one. Not a perfect formula because I am bombarded by ads every where I go.

2 weeks into the year and I've had some consistency at the gym. Some changes in food selection but this will be harder.

I have a coach now who loves me, is always with me, has my best interests in mind, and has the power to motivate me.

I wonder what His resolutions are for me this year?