The Fat Premium

The title of an article on Slate.com, my favorite on-line mag. Subtitle, “Congress toys with a silly plan to make Americans lose weight.” Last line on page 1, “OK, what’s so bad about penalizing workers for being fat?”

I write a lot of book reviews and I always avoid reading other reviews of the book I’m working on until I’ve written my own because I don’t want to be influenced by anyone else’s analysis.

Similarly, beyond the title, subtitle, and one sentence, I didn’t read the article so that I could weigh in on it independently. Pun intended.

One of my close friends that I run with often complains that the two of us don’t get a health care discount despite our exercise regimen. Instead of penalizing any group of people, why not just reward individuals committed to a healthy lifestyle? Wouldn’t an economist argue though that’s a “passive penalty” of sorts on sedentary folks? It’s like giving some high schoolers “good grade discounts” on their car insurance. That means insurance companies have to collect more premiums from other students.

Passive “sorry you don’t get the discount” penalties seem much more palatable than singling out heavy people who have to deal with ample discrimination already. What’s heavy anyways? You can forget the government’s body index matrix unless you’re content with over half the population being overweight.

Another complication, how do insurers accurately assess who is committed to an exercise regimen, is fit, and deserves a discount? I can see it now, a national health care 10k every July 1st. Every minute you run under one hour, you get a percentage discount. So run a 45:00 10k and receive a 15% discount.

I’m more in favor of user taxes. Tax the crap out of cigarettes, Big Macs, cinnabuns, and even soda. Just stay away from my chocolate milk.

Wealth Happiness Ratio

Interesting human interest article in the Wall Street Journal earlier this week about people struggling with their return to work. Largely focused on one man who took advantage of being laid off to connect with his two youngish sons in ways he never had before. A week at a special father-son camp, informal basketball games before dinner, etc. Over the six-nine months he was unemployed, he also began exercising and lost 25 pounds. Now he’s taken a time consuming job and is ambivalent about the loss of family and personal time. He said he gets home at 6:15 and the kid’s evening routine consists of dinner, homework, and bed. And so far he’s gained back 15 of the 25 pounds.

I’m giving the author of the article a “B”  because it was incomplete. Ironic that a journalist writing for the nation’s biz paper wouldn’t explore how the family might reduce their overhead in order to enjoy better balance. My guess is that man’s family, like all families I suppose, could cut expenses in myriad ways. For example, I couldn’t help but wonder how long his commute is and whether he could reduce it by moving closer to work. If I had to cut expenses in order to strike a better work-life balance one of the first things I’d do is try to move within bicycling distance of my work. Then there’s the “new necessities”, cell phones, cable television, expensive lattes in the Pacific Northwest, that few people think about in the context of how many work hours each requires. A related example that I always find odd, the triathlete with an expensive coach who complains about too little time to train.

It’s as if all of us are on a materialistic treadmill that impairs our ability to logically think through the time/material possession trade-off. I can’t downsize my life when the people on the treadmill to the right and left of me are seemingly living larger and larger. Of course their debt, like their treadmill, isn’t visible either.

Why don’t more people question “the wealthier the happier” assumption that powers the materialistic treadmill? Few of us can practice conspicuous consumption and also carve out the necessary time to enjoy close interpersonal relations with family and friends. Not everyone chooses conspicuous consumption, but most do it seems.

Why is that?

Triathlon IS a Country Club Sport

What form does your procrastinating take? This morning I delayed grading papers by skimming the forum on Slowtwitch.com, where tens of thousands of triathletes gather from around the U.S. and world. Before you report me to my boss, whomever that is, I only read one thread about race fees getting totally out of control.

The discussion got me so fired up that I almost registered on Slowtwitch (I lurk) so I could post, but chose not to tip my toes in that water. So this will probably interest two or three of my regular readers.

The original poster said the NY Olympic Triathlon has increased it fees 40% the last two years and is now $245. He said he feared triathlon may become a country club sport. About two in ten posters sympathized, eight in ten attacked him for not blindly supporting free market capitalism. I didn’t know Milton Friedman has such a tight grip on the triathlon community, but it makes sense since triathletes tend to own the means of production. (My right wing friends have informed me that we have a Marxist president so I’m going to go along to get along and start dropping Marxist terminology throughout my written and oral communication.) The majority’s thesis is that race directors should charge whatever they can get and that a race is not over priced until it’s not sold out.

That’s all well and good, but they are slow on the up-take and have a major blind spot that no one on Slowtwitch has or will point out. Triathlon ALREADY is a country club sport. Take an enthusiast golfer, tennis player, and triathlete and compare annual expenses and I guarantee you the triathlete would be right in the mix. And look at the demographics of each group and again the triathletes will be every bit as homogenous.

Most importantly, they ignore the fact that outrageous entry fees weaken the competitive pool. If they were serious athletes who wanted to throw down with the best (read economically and culturally diverse) athletes, they’d temper their love of free markets and work to make their sport more accessible. As it is they feel much better about themselves placing second or third among other rich white guys with six figure salaries. Good thing I didn’t register because that line would unleash a tidal wave on Slowtwitch.

If you can’t tell, this topic gets me fired up, but I really should get back to the papers.

Carry on comrades.

Personal Responsibility

Why do we routinely blame others for problems we’re responsible for?

For example, I often think if everyone drove like me, not too fast, in control, no cell phone, maximizing distance, there would be no accidents and road rage would be something social scientists once studied. One problem, my self-congratulatory description of my driving isn’t objective. Truth be told, sometimes I am part of the “driving stupid” problem. My car has a large blind spot and I have to swing forwards and backwards in my seat to make sure the coast is clear whenever merging onto the freeway or changing lanes. I do that without problem about 499 times out of 500. All it takes is one time though to understandably anger another driver.

Worse than that, I know big semis inch forward from one freeway exchange I take home to another so it’s easy to swing left, pass 40-50 cars and merge back into the correct lane in the 50 yards of cushion that the semis usually create. Usually. One night a few weeks ago the cushion was half it’s normal size and I made an idiotic snap decision to shoot through it anyways. My car was probably 15 yards from the truck’s front bumper, but I was going too fast and I admit, if our positions had been reversed, I would have been livid. To get on the second highway I had to loop back under the slow moving truck. I looked up to see someone in the passenger’s seat waving at me with just one finger. Totally deserved.

I’m not special, I’m complicit.

Fast forward to Walmart’s recent decision to sell the top ten most highly anticipated hard backs (Steven King’s among them, retail $35) for $10. Last week Amazon decided to match it so Walmart lowered their price to $9 and said they’d go “as low as necessary”. Amazon went to $9 and now Walmart is sitting at $8.99. Some people complain about big box stores and everyone waxes nostalgic about small independent retailers, but they’re rapidly disappearing because people focus exclusively on finding the lowest prices for the goods they purchase without giving much if any thought to the ripple effect.

We’ve created the monster that is Walmart and we’re upset it’s destroying small independent businesses. Does that make any sense? What most amazed me about last week’s story is the unabashed bluntness of the company. “We’ll go as low as necessary to become the one stop place for book purchases.” May as well have added, “Your local independent book store be damned.”

But Walmart is not inherently evil. Walmart’s customers focus exclusively on the lowest prices, ignorning the negative impact on small businesses in the immediate area. Take me for instance. Recently I saved about $20-$25 on a Timex watch I bought at the behemoth. By doing so I added a tiny drop into the gigantic bucket that is Walmart sales, a bucket they will now use to extinguish the Fireside Bookstore in downtown Olympia where my friend works. If the Fireside Bookstore closes, Olympia will be worse off and I’ll only have myself to blame.

Or take outsourcing and all the empty rhetoric around keeping jobs in the U.S. A few years ago, before the housing correction, a study was done of people taking out home equity loans. They were given two choices: 1) have it processed abroad and receive the money in two to three days or 2) have it processed domestically and receive the money in five to six days. I don’t recall why the foreign companies were twice as fast, but something like 85% of the people chose the quicker/outsourced option. I’m guessing 100% of that 85% nod approvingly whenever they hear a politician bemoan outsourcing.

Finally, there’s the Fort Collins, Colarado “balloon boy” bullshit. We criticize the media, but don’t recognize we are the media in the sense that our collective viewing habits shape the “news”. How can we watch CNN’s balloon boy coverage, talk to friends about it, buy People magazine and read about it, and then criticize the media for covering it? I didn’t watch any of the television coverage, and only skimmed the headlines on-line, but now that I’m blogging about it, I suppose I’m complicit.

More Design Genius

Life-changing leak proofness

Leak-proof goodness

Genius genius

Genius genius

Eclectic, not girly

Eclectic, not girly

Behold more 21st century genius design work. There should be a Nobel Prize for Consumer Genius for the Camelback employees (no way an individual could have come up with something this brilliant by him/herself unless it was Obama) that came up with the new leak proof top. To borrow from Chinese history, this bottle top represents a great leap forward. Only bummer of course is you can’t use the fancy new tops on your old bottles. I purposely toss these new and improved bottles in my gym bag upside down just to revel in the fact that they’re leakproof. A few years ago I discovered shortly before arriving at the base of Mount Saint Helen’s that a water bottle had leaked all over my cycling clothing. I held my shorts and jersey out the window for the last few miles in a vain effort to blow dry them. Lovely starting out soggy. Now, I laugh at the memory thanks to the Camelback geniuses (0r Obama).

Of course you’re used to Apple’s genius by now, but how cool is it that they have algorithms that create excellent playlists all by themselves. My personal mobile Pandora. The second pic of my nano is probably too small to pick up on the featured artists–Sara McLachlan, Maroon 5, and Natalie Merchant. I don’t understand why my sister says I like girly music? :) My fourth genius playlist is much more macho sis, lots of Led Zep.

Name Your Price

I’m way too frugal for my own good, but there are a few products I’m willing to pay whatever the seller asks. Take Costco’s California Pistachios for instance. They continue to climb in price but I don’t care because I’m addicted. Just take my wallet and give me back whatever you think is fair. The second is the much rumored Apple Tablet. Hurry up and bring it to market Steve. Here’s my credit card, ring it up for whatever you think is fair.

From MacRumors.com

Foxconn to Manufacture Tablet for Q1 2010 Launch?

Wednesday October 07, 2009 09:18 AM EST
Written by Eric Slivka

Mac Rumors

DigiTimes reports that Foxconn Electronics has been named as Apple’s manufacturing partner for its much-anticipated tablet and that the device is expected to launch in the first quarter of 2010.The device is expected to hit the market in the first quarter of 2010, with initial shipments from Foxconn being in the 300,000-400,000 range, the sources said.

The device will have a 10.6-inch display, and the sources speculated that perhaps Foxconn could secure panels from its subsidiary Innolux Display.

While a number of rumors have previously pegged the display on Apple’s device in the 7-to-10 inch range, this report of a possibly slightly larger display than previously thought nearly matches recent claims of a 10.7″ screen. Speculation that Innolux may provide screens for the new device conflicts, however, with earlier reports that Wintek had already been tabbed as the display provider.

Finally, the report notes that the device will place an emphasis on e-Book functionality, echoing claims that Apple is aiming to redefine print media with the device. Apple’s extended-life battery technology such as that found in recent MacBook Pro revisions, Internet connectivity, and Apple’s typical attention to user interface detail are all expected to be featured in the new device.

Hyundai’s Military Discount

I was on-line shopping for a Hyundai recently when I discovered they offer a $500 discount to members of the military.

Is it possible to question that practice without being labeled ungrateful and un-American? I assume it’s meant as a special “thank you” for those people whose service enables us to exercise civil liberties and enjoy our way of life.

But I’ve always felt that argument was incomplete not just because it exonerates the military from its occasional abuses of power, but because it slights the admittedly more subtle, but equally important contributions some civilian members of society make to our security.

More specifically, why privilege members of the military over my friend that’s taught in a South Central Los Angeles middle school for twenty four years, or my friend that runs a homeless shelter in L.A., or my friend that served as a Peace Corp volunteer for three years in West Africa?

Granted, they haven’t risked their lives in the exact same way, but haven’t they contributed to our security in tangible, powerful, and in the end, equally meaningful ways?

Hyundai is receiving increasing acclaim as the “most improved” car maker. I’m going to wait for them to introduce the educators’, non-profit NGO, and Peace Corp $500 discount before I jump on their bandwagon.

Simplicity

IMG_0103

Behold a favorite possession. Design genius. Simple, unbreakable, maintenance free. Reminds me of a genius move mi esposa made several years ago when she landscaped with large bolders. Beautiful, simple, unbreakable, maintenance free. So far, I haven’t had to fertilize or mow them.

I know some people enjoy spending their time fixing things. I’m more handsome than handy, so I usually don’t enjoy fixing things. I’d like to spend less time maintaining and fixing things—cars, bikes, the lawn, the house, although truth in advertising, mi esposa takes the lead in maintaining the house. Given my orientation, a condo would make more sense than a house, but the abrakadabradoodle probably wouldn’t like that so it’s a non-starter.

If you’re like me and you’d like to spend less time maintaining and fixing things, there’s two obvious courses of action.

First, declutter. Sell or give things away that aren’t used regularly and then have the discipline not to repurchase substitutes. Own less and buy less.

Second, seek out products that require less maintenance and fewer repairs even if they cost more and you have to delay purchases.

Other ideas or product recommendations?

Damn, I kid you not, my wireless mouse just broke.

What, if anything, will we learn from the recession?

I’m not a regular viewer (a necessary qualifier to retain some semblance of masculinity), but I caught an episode of Oprah one night last week. The theme, the recession’s negative impact on people.

I’ll introduce you to a few of the guests, describe what I think the producers wanted me to conclude from the segment, and explain my actual reaction.

Guest one, a 24 year-old woman, had lost her job with an interior decorating company. Not only had she done three internships in college, she had “done everything right” and still ended up standing in an unemployment line. I was supposed to conclude that’s wrong and sad. Sure it’s sad whenever anyone who really wants to work can’t find a job, but even sadder was the subtext: college graduates are entitled to good jobs.

Robert Reich, whose contributions were underwhelming, was the talking head putting the individual stories into the broader context of a changing economy. With respect to guest one, even I might have done a better job framing her experience.

Here’s the takeaway for her, the other student in the news lately who has sued her college because she can’t find a job, and anyone who thinks a college degree entitles them to a good job. A new day has dawned. Sizeable student loans and a college diploma guarantee little. Increasingly, businesses are more productive with fewer people. Profit margins are shrinking; consequently, the race to eliminate jobs is accelerating. You’re competing with more people for fewer jobs, not just your college classmates, but elderly people who are finding they have to continue working, and highly motivated, ambitious peers from across the globe.  Good grades and the perceived prestige of your institution mean little absent the following: a genuine curiosity; a strong work ethic; well developed communication, critical thinking, team, and problem solving skills; cross cultural knowledge and skills; integrity, and resilience.

Guest two was a couple that had been living large. The X had a successful hair salon and the Y was a successful realtor before both lost their jobs. As their financial situation worsened, their well-to-do friends quit associating with them. It was clear by Oprah’s sadness, that I was supposed to feel similarly, but I didn’t. Oprah kept asking superficial questions like, “So they don’t invite you to their dinner parties anymore?” To which unemployed couple sadly replied, “No they don’t.” Audience members shook their heads in dismay.

I did my best to set aside the obvious irony of one of the wealthier people in the world exploring the sadness of downward mobility, and wondered why and the hell didn’t she ask them why they pursued friendships based upon superficial signs of material wealth in the first place. This was a sad segment, but not at all in the way the producers intended. What was most sad was the couple’s utter lack of self-awareness. They never said what might have made it a socially redeeming case study. “The recession has been an important wake up call. It opened our eyes to the limits of consumerism and materialism, neither of which form a meaningful foundation for friendship.”

In fairness, one of the other segments did convey a “silver lining, now we know what’s most important” moral, but I couldn’t help but wonder how long the guest’s commitment to frugality and meaningful relationships will continue once the recession ends.

Guest three was a former Denver newscaster who was making 250k at the time of his dismissal. He had taken a 30k/year job working as a vet’s assistance because he had always had a genuine love of animals so his resilience was noteworthy. But again, I couldn’t give the producers the “my how sad” reaction they seemingly wanted because he acknowledged making a whole lot of money for the last 10 years of his 30 year career. Oprah and RR seemingly had it on cruise control and couldn’t bring themselves to ask him and his wife the obvious question, “Why didn’t you live more simply and save more of it?”

Have I lost my mind, criticizing Harpo Productions? I will now be entering the witness protection program.

Beer Summit

I know, I know, I know, most over-reported story of the year. But there’s one element of the story still deserving of attention. Allegedly U.S. Brewery Distributor execs were very upset that the  beers of choice were produced by foreign owned companies. One was heard asking, “What does this phrase ‘globalization’ of which you speak mean?”

Now, picture these execs sitting in a country club restaurant after 18 holes of golf. I’m going to go be presumptuous and guess that as well-to-do business executives they’re pro free market, pro capitalism, pro Milton Friedman. But when the invisible hand slaps them in the face and foreign competitors erode their market share, they whine and seemingly seek privileged status. 

Why is it that U.S. business execs sing the praises of free markets until they end up getting their asses handed to them by foreign competitors?