6/24/09

How to Instantly Save $500,000 in Business

Position available at prestigious company. Duties include but are not limited to research, writing, phone calls, copies, phones, sales, client services. Valuable experience. No pay.

Quick, what's that ad for? Welcome my friends to modern day slavery! The internship.

If you are lucky you'll snag an internship at a company that realizes the full potential of the intern. Educated individual, fresh ideas, raw talent, and no payout. Bingo. Free labor. On the business side, work them hard and harder, just make sure you write a glowing recommendation at the end. Heinously smart business move.

Dear future employer of my hard working intern: Intern will provide same or better results as any entry level candidate worth their salt due to desire for experience and unexplainable enthusiasm. Hire intern. Intern is free. Hire 10 interns. Save $500,000. The end.

If you're not so lucky, you'll end up with a company that sees you as a robot coffee-fetcher-copy-maker-shoe shiner. And why not? At least you are getting experience! How many copies can you make an hour? Double that my friend! You are getting experience!

Or you can be like LinkedIn, and just ask people to work for free. $0 an hour job!

Brilliant business move. Necessary career move?

6/19/09

China and the One Child Policy: A Study of Cause and Effect

Here in America we take so many things for granted. Take the Bill of Rights. Do you know what it protects you from? What it allows you to do? The average American doesn't know their rights, and yet is still protected by them.

Now take China. Since 1979 China has allowed couples to have only one child. Whether or not you have kids right now, imagine the government told you you could only have one, regardless of how many you want. Now imagine you are Chinese, and culture dictates that families take care of each other, that your son or daughter will take care of you in your old age. That if you have a daughter, she becomes part of her husband's family when married. That culturally males are preferred for many reasons. What do you do? You have a boy, and you make sure you have a boy, thanks to sex selective technology. Now China has 119 male births for every 100 girls, compared with 107 to 100 in industrialized countries. That’s about 32 million more men than woman now in their 20s and 30s.

Cause: One child policy
Effect: Disproportionate sex ratio

After having your one child (probably a boy), you now get a surgical procedure to ensure that you don't have another child. Because if you do, you will be fined exorbitant amounts. Then wham!!! An earthquake hits. Your one child is one of the victims. You mourn, but your mourning cannot get you your child back. You try to reverse the surgical procedures you have had so you can get pregnant again. Maybe at this point you are too old to have another child. Now who will provide for you in your old age?

Cause: Natural disaster
Effect: Unnecessary surgical procedures, Liability to state

Hopefully by now you've figured out how to have another child, probably another boy. He grows up and starts looking for a wife. Except. Wait. Stop. Halt. There are no wives to be found. Thanks to the last 30 years of family planning in China, there are 32 million more men than women now. Where are all those women going to come from? Enter the runaway bride. She runs not from cold feet, but for cold cash. Families save up for years to pay the bride a set amount, called a cai li. Women will come to rural areas, get married, and run with the cash.

Cause: Disproportionate sex ratio
Effect: Surplus of bachelors

30 years of restrictive policy. Now all you want is a wife for your son and all your savings have just disappeared with the runaway bride. What are you going to do?

4/14/09

Women Vs. Government: Who Spends More?

We women are some of the best spenders out there. Women in my demographic—young twenty-somethings—have a plethora of advertisements targeted directly at us, enticing us to buy the newest, latest, coolest things. And buy we do! Well, buy we did.

Ask any woman how easy it is to take a credit card that isn’t hers and spend, knowing someone else is footing the bill. She buys new shoes when she already has a closetful, goes to the spa daily, buys lunch for all her friends. Not too hard to imagine. But now imagine her benefactor suffers a huge economic blow and can’t fund her lifestyle the same way anymore. Would it be cruel to expect her to cut back on her spending? Not in the least, considering she never earned the money to begin with.

Now imagine that woman is the government. Isn’t it about time she is held accountable for the money she has already spent, before she starts demanding more? Is that really asking too much?

As the daily headlines scream bloody terror about the economy, whether or not we ourselves have been laid-off, furloughed, or suffered pay losses, we most certainly know people who have. The recession might not have hit our pocketbooks directly yet, but we are well aware that spending is declining, and either out of necessity or empathy, we are cutting back as well. A dinner party instead of a night out on the town? Check. Hitting up the sale rack? Check. Scoping out the best happy hour specials? Check check.

We learn to make do with the money that we have, because, well, we have to. No one is supplementing our incomes. Maybe we ladies are spenders when we can be, but we also know when times call for thriftiness.

Now let’s bring Uncle Sam into this equation. Times are hard. People everywhere are cutting back on their spending. Everywhere but in the government, that is. With the rest of America struggling to make ends meet, people defaulting on their mortgages, and the general economy at an all time low, why isn’t the government lightening the load a bit?

Not just in Hawaii, but across the nation, tax revenues have been declining as people earn and spend less money. Yet instead of reevaluating programs and looking for ways to protect consumers from higher taxes, Hawaii is looking to raise taxes! Right now the Hawaii legislature is considering raising the General Excise Tax, which directly hurts businesses and consumers; repealing income tax credits, hurting families; and increasing the transient accommodations tax, making tourism more expensive and thereby exacerbating an already hurting industry.

It’s not more taxes we need—it’s smarter use of those taxes which are already levied. Hawaii has one of the highest costs of living, and not surprisingly, has the second highest tax burden per capita. Of course we need to keep government programs running. Even in hard times, our roads must be paved, our keiki must be educated, life must go on.

Similarly, as consumers, we have those bills we simply must pay: food, rent, mortgage to name a few. But we cut back on unnecessary spending, simply because we have to if we want to survive. We eliminate wasteful spending, decrease our discretionary spending.

So if the government is looking at depleted resources like the rest of us, isn’t it a perfect time to analyze the efficiency and efficacy of government programs and spending? A website that informed us about how exactly the government is spending our money would be a fair way of letting us, the benefactors, see what’s stopping her from balancing the checkbook. It’s not that we don’t love her; we just don’t want her to get fat from all the free lunches.

4/8/09

Words

Stop. The playlist of your life is on repeat.
Pause. If just for a moment.
Start your day on a quieter note, more gentle.
That sound--did you know a gloriously carefree bird gives you a private symphony each morning?
Cut off your song mid-verse.
Listen to what you have been missing in the frantic whirlwind of modern survival.
Look around you. Notice the people you have passed everyday, without acknowledging.
Fellow humans in the journey of life, make a stranger a friend.
Make your world silent and you will hear all around you.
Turn off your playlist. And listen.

_____________________________________
Nothing spoke more than the wind.
Gently flowing through the broken trees,
Weighed down by souls of thousands
Nothing spoke--but nothing had to
Lifting Spirits all but forgotten in the
Song of their youth.

Nothing spoke--but all was heard.

___________________________________
Summer sings sweetly softly swaying sprightly
A breathe of air, the lightest touch, there is nothing else.

There is enough.

3/18/09

Tort Reform: Because Justice Demands It

We all know the people. Charismatic, energetic, theatrical, compelling—they keep us listening to their riveting stories for hours as we sit in awe of their tales of conquest and of bravery, their funny stories, just how big their fish was.

Yet when it comes to our justice system, does this type of person deserve more justice than the rest of us? Does their attention to detail and ability to capture our emotions entitle them to greater awards than someone with the same story but less dramatic flair? Everyone is entitled to equal justice before the law-- a compelling story should not take precedent.

Right now the legislature is considering House Bill 1784, proposing an undefined cap on non-economic damages, which measure intangible harms with no objective quantification. This could prevent excessive awards which drive medical costs higher and help alleviate the shortage of doctors, especially specialists, in Hawaii. Why? Because as it stands these awards are completely arbitrary, based on emotion rather than any quantifiable or objective gauge. Such uncertainty discourages doctors from practicing, as they cannot know what to expect from the justice system.

Let me give you an example. In New York City recently, a young college man consumed enough beverages to put his blood alcohol level at two times the legal limit for driving. The law-abiding student did not drive, but somehow ended up on the subway tracks and was run over by a subway train, resulting in the tragic loss of his leg below the knee. He was awarded $2,300,000 for pain and suffering, which are non-economic damages. No one made him drink, he doesn’t even know he got onto the tracks, yet the Metro Transit Authority was held responsible for his foolish actions. A bit of tort reform could have prevented this outrageous ruling.

Tort reform is a sensitive issue because it must take into account both the plaintiff (the patient) and the defendant (the physician) when awarding justice. A tort does not address a poor medical outcome, but a poor medical outcome that has resulted from the negligent conduct of a physician. The law must ensure the plaintiff has adequate access and incentive to suit, is sufficiently compensated for harms incurred, and provide sufficient incentives for physicians to take due care in their practice. The defendant deserves to be protected from frivolous and undeserving lawsuits and excessive awards, both of which drive premiums higher and discourage physicians to practice.

Tort reform encourages physicians to continue to practice medicine by reducing their premiums which, coupled with the low insurance reimbursements rates in Hawaii, can make practicing medicine here economically difficult. In states that have enacted a cap, premiums are significantly lower than in states that have not placed a cap on non-economic damages.

For example, an average Emergency Room physician in Colorado, which has one of the best medical liability climates, pays $26,838 a year in premiums. In Arizona, which has one of the worst medical liabilities climates, those same physicians would pay $73,273 a year in premiums-- almost three times the amount.

Placing a cap on non-economic damages still gives plaintiffs incentive to sue while at the same time reducing the incentive to sue based solely on perceived personal enrichment. Legitimate claims are fully compensated for actual monetary losses incurred, which are defined as economic damages, while profit-mongering plaintiffs will be capped at a certain limit for their non-economic damages. Economic damages include any and all medical fees associated with the harm incurred, as well as income loss, and even disability payments—every bill associated with the tort is paid without limitations. The only things not covered are pain, anger, frustration, and other emotions which cannot be objectively valued.

Placing a cap at or below $500,000 on non-economic damages would limit the astonishing sums sometimes awarded, more akin to winning the lottery than adhering to any standard of justice. Hawaii would benefit by reduced physician premiums, which would encourage physicians to continue to practice. Patients in turn would benefit from the increased supply of physicians. Now that is a win-win situation.

2/25/09

The Dummy's Guide to Moving to Hawaii

So… you may be wondering what has happened since I've come to Hawaii, if I'm still alive, if I'm living on the streets, or starving, or even if I've struck gold yet. Read on…

So, how did I, who was broke, knew no one in Hawaii, and had no plans for when I got here make this trip happen? Good question. The details are a bit… well interesting. So first step, I decide that I want to fulfill one of my life goals and learn how to surf. I mean, you've seen the same surf videos I have, huge waves, surfers getting barreled, we all know its hot hot hot. No better place to learn how to do that then the surf capital of the world, Hawaii!! Second step, buy a plane ticket. Problem: no money. So I think of a way to make money… in Hawaii, and put an ad on craigslist for a "vacation nanny". Get contacted by a family from New Jersey, we go back and forth with our questions and recommendations, and I agree to nanny for them. Note: they have no idea I'm not actually in Hawaii yet. But I now I have assured income which will pay for my ticket and the first day or so of life in Hawaii. So then I book the ticket.

Recall, at this point, I still have no de facto money. So I did what so many of our wise leaders have done before me: I bought the ticket on credit. (May I add it was a cheap ticket!) I picked a credit card with 0% APR for the first 6 months, and which automatically gave me $50 for buying the ticket. Not a bad start. But it gets better! I signed up for credit protection, first month free. One of the "protections" so happens to be life events… such as moving. So they credit me about another $50. More free moooolah. And did I mention that because I signed up for credit protection over the phone, they gave me a $15 rebate? So that's over $100 buckos of free money. You have to work the credit card companies harder than they work you!

So then I have a ticket and a one-week job in Hawaii, and that's about it. I still have to figure out where to live. So I look on craigslist, look on facebook, and think that I've found this great place. Cheap rent, my own room, not TOOOO far from the beach. Fast forward to me actually being in Hawaii, I give the girl a call and it has, of course, just been rented. Ahhhh. Anyway, for the first few days in Hawaii I had planned on Couchsurfing, a brilliant idea invented by an avid traveler, who wanted a way to travel cheaply and meet the locals. So I ended up staying with Kyle for a few days, and then b/c he had other guests coming, with Blake and Pascale for a few days, all wonderful and welcoming people! But the apartment search continued.

Meanwhile, because I am such an industrious worker (read: workaholic) I have booked my ticket the day before I start nannying. So I get in Friday night, and Saturday morning I'm taking care of kids. Brilliant idea, I know. But also in this time I have set up an interview with an economic policy think tank, so I have to work that out. As luck would have it, the day that I have my interview, it is pouring here in sunny Honolulu. And as my two sturdy legs are my only means of transportation here, walk in the rain it was. I packed my dress and heels in my backpack and trudged through the rain down King street looking for the building. Stopped at a bakery right before it to grab a coffee and change from my flip-flops and beachwear into professional clothes. I don't even want to know what those people were thinking after I finished my chameleon act, but headed out of there and landed my internship. Changed back into beach clothes and headed to nanny for the rest of the day.

Meanwhile, the apartment search continues: I look at a few places in Waikiki, and finally decide on a large bedroom in a small house, but they won't let me move in for a few days. The place has old nasty carpet, (That 70's Show-esqe) but is really close to the beach… but given my days of grace period, I decide to keep looking. End up finding another place with a crazy man living there. Yes, I say crazy with full realization that this guy was literally crazy. Not just a little ADD, but full on ADHD and bipolar. Yes, he did inform me, a potential roommate, of that right on. He said he was bluntly honest about things. No kidding. So then, I am with 2 pretty terrible options actually, and I find this place on craigslist, close to the beach, with cheap rent. I head right over, found cool roommates, and made and instant decision, which has turned out to be a great idea, really.

So was blindly booking a ticket to Hawaii a good idea? Well of course! What can I say… follow your dreams. :D

1/23/09

Aloha!!!

So I am now sitting on the patio of the Honolulu airport, drinking the most expensive “tall” cup of coffee I’ve had since I was robbed at some deluxe coffee place somewhere in Italy. $2.62 for this precious cup of joe, but well worth it after flying for oh, 15 hours. I only got a few hours of sleep thanks to a great night out and a heinously early flight, both of which seemed like such good ideas at the time, until my alarm went off at 4:40am and I lugged my suitcases to the metro, half asleep and def not bright and chirpy. Oh. PS. Don’t leave home without weighing your bags. I was a whopping 17 pounds over the pathetic 50 pound limit, and you guessed it, they cut off my right arm to pay for the excess weight. Well. Not quite but $90 is def highway (or airway?!) robbery, no doubt about it.

I was lucky enough to get a non-stop from Minneapolis to Honolulu, instead of stopping in Frisco. (Original flight plan: DC-Detroit-MSP-Frisco-Honoluuuuuulu) Would have taken me another 4 hours to be sitting in this gorgeous weather. Needless to say I passed out on all of my 3 flights. The descent to Oahu was breathtaking, with the most brilliant greens and blues reaching out from the land and sea, sunshine and 80deg weather confirming that Hawaii was one brilliant choice. My extended Sabbath may well turn into a much longer mini-vacay than originally planned. What those original plans are you might be wondering? All in good time, my friends, all in good time. What I do know is that I am here to learn how to surf, and I def think I can get used to this ALOHA thing!

1/18/09

Federal Stimulus

As a follow-up to the preceding post, check out this opinion piece from the WSJ, a shockingly blatant example of the Fed pushing private business around "for the common good" as it were. Sound familiar? Mugging Bank of America.

And did you know that "stimulus" is a synonym for "force"? Does the Fed really think that forcing an economy to work will be successful?

1/10/09

Atlas Shrugged

If you haven't read Ayn Rand, and if you don't even know what you are missing out on, then STOP. GET UP FROM YOUR COMPUTER AND GO TO THE NEAREST BOOKSTORE, LIBRARY, OR FRIEND'S HOUSE AND READ. Atlas Shrugged first. And then, well and then you can continue on with your life! The WSJ recently had a brilliant article relating Atlas Shrugged to today's financial throes. Well worth your time! 'Atlas Shrugged': From Fiction to Fact in 52 Years.

1/8/09

Life lessons

"One's philosophy is not best expressed in words; it is expressed in the choices one makes ... and the choices we make are ultimately our responsibility."
Eleanor Roosevelt
_____________________________________________________

To my dear Cousin Responsibility,

I'm glad you came to me for advice on how to raise your beautiful daughter. I have learned many things since my childhood, the most important of which is that all that stuff they taught me when I was young doesn't make a difference. When I was little I was taught that if I didn't eat my vegetables, instead of the candy and ice-cream I wanted, I wouldn't have this thing called a "balanced and nutritious diet". Whatever that meant exactly, I've learned as I've grown up that I can eat whatever I please, just as long as I pop a magic diet pill, or sign up for one of the monthly programs that jam my inbox. In fact, if things get really bad I can just get liposuction. Ha, someone pass the tub of ice-cream! Oh, and you know how you always told me true beauty is on the inside? Well it can't be true. You know why? Because the ASPS reports that almost 17 million people got plastic surgery in 2007, 25% more than 2000. Call me crazy, but you don't voluntarily go to SURGERY if you think being beautiful on the inside is good enough. Whatever this thing called Beauty means anyway.

And then there's money. I learned when I was a kid I had be careful with my money. First I had to do my chores to get my allowance, and then I was told to spend it wisely, because that's all I'd get. Well well, did young naive me think that in this difficult world such a wondrous thing as a credit card could exist? Imagine my joy when I found out that companies were fighting to get me to to use their blessed pieces of plastic. I may have raked up enough credit-card debt to rival the GDP of some African countries, but no worries! All I had to do was consolidate my loans, and poof, who cared that I never paid a bill on time? I never had to.

Which is why, when I went to buy a home, I knew that sorry loan officer wouldn't dare tell me no. The government would guarantee that I, who have never payed a credit card bill on time, would get a loan. Why? Because I deserve it of course! I've never done anything to deserve it, I've never been responsible with my money, but just the same, I deserved a loan, because I deserved to be a homeowner! Thank goodness the government sees that I just haven't had the same chances as those guys who made their own money and used it well. Things were different for me. So I gave the loan officer a smug look across the table as he mumbled something about "bad credit" and "substandard". He clearly was a lost relic of an age past, in this new progressive age I live in, these things made no sense.

Oh and while were on the topic of childhood myths, there was once this idea I heard about respecting my body. I'm not sure what that was supposed to mean, but I do know that I now can have sex with everyone and everyone, and guess what! It's all good for me, because I can just pop a pill, and that scary thing called pregnancy isn't a possibility anymore. Gosh. How did people used to have sex with so many people without some way of making sure nothing serious came of it? And those poor fools who get pregnant. Do they really think that there is a baby somewhere inside them before it is actually kicking and screaming? My friend had a baby shower the other day, I didn't see a baby, all I saw was a bump in her stomach. She must have thought I was a fool, but I brought her the ugly dish my mother-in-law gave me for Christmas, so it wasn't a real gift. And last week my other friend had a bump, but she said something about "getting rid of it", and this week she looks normal again. They can't be talking about the same thing, with those bumps.

I really can't believe all the lies I was fed as a child. Think about debate class. We debated a topic, and everyone went home enlightened, if not convinced of the opposing argument. Someone really should have taught my teacher about being PC. The other day one of my friends in CA donated money to support some law number "8". Anyway, he received some death threats and his house was vandalized. Didn't he know some causes are uncouth to support?

I'm sure I could go on, but I think you are beginning to understand why I tell you to just let young Impudence do whatever she wants. It will save her having to relearn the complicated game of life. Good luck, and know if you need anything, I'll probably be doing something more important.

Yours truly,
E. N. Lightened

1/1/09

Happy New Year!!!

Happy New Year!!! So I thought 2009 should be a fun year... so I booked a ticket to Hawaii to learn how to surf! If you head out that way, look me up! Aloha!!