Musings from some guy who know stuff...and thinks he knows other stuff, and has opinions on just about everything, and is more than happy to tell you what he thinks and why...when he has time and the inclination to sit down and write in this thing.
Tuesday, May 19, 2015
I Voted
Local elections and midterms are often a bit odd. Effectively today's primary here was the "real" election for most (all?) of the positions. My area is very heavily Democratic, to the point that Republicans here often put their names on the Democratic primary ballots. I'm not sure if this is an attempt to confuse or a serious way for them to have their ideas/positions heard and vetted. I also don't know if it makes much difference since Democrats are always outside the polling location handing out lists of actual Democrats in the primary.
Tuesday, April 14, 2015
Is There Really a Call For This?
I know that some people party all night long, but even in college, even when we had no restrictions (i.e. house party) things were mostly done by 3 am. Yes, there were occasional later nights, and yes, some people have schedules that make the wee hours of the morning a perfectly sensible time to have a beer, but is there really enough of a pool of patrons to have bars stay open until 4 am? Well, in a working/residential city anyway (not Vegas, not New Orleans)?
I know I'm old and all, but things just go downhill fast after 2 am. Also, nearby residents probably will hate it and stay off my lawn (don't really have to worry much in my inner burb hood).
I know I'm old and all, but things just go downhill fast after 2 am. Also, nearby residents probably will hate it and stay off my lawn (don't really have to worry much in my inner burb hood).
Monday, April 13, 2015
IRS.gov
Being the liberal I am I generally think the IRS gets too much shit, especially since they don't actually write the tax code. Back in the mid aughts I had a very specific beef with the IRS: I wanted to file taxes online (quicker, computer assist makes things easier) but the only options for such were 3rd party programs...which cost money (if your income is below a certain level and you are filing the 1040EZ then they are free). There was no good reason for this. Several states (including Illinois, where I was living at the time) had free online filing, and it seemed the only reason the fed did not was that tax prep groups (firms and software) were preventing it from being implemented.
Well, it's been available for several years now (can't remember when exactly). It's not as good as it should be: forms should have more assistance like hover-over description or direct links to the relevant part of the instructions, and some things that should be automated are not (Why do I have to look up my tax from the tax table and input that? Why doesn't it pull info from the W2's over to the relevant places automatically...and speaking of, why isn't entering W2's the first thing it asks you to do?). Still, it is navigable, and I neither have to pay a preparer nor a software company to file electronically. Overall I like it.
Taxes are still too complex, but that is not the IRS's fault, it's the fault of politicians and special interests. And no politician, no matter what they say, is actually interested in simplifying it, because you can't simplify it without increasing taxes on some group (either special interest or fairly broad).
Well, it's been available for several years now (can't remember when exactly). It's not as good as it should be: forms should have more assistance like hover-over description or direct links to the relevant part of the instructions, and some things that should be automated are not (Why do I have to look up my tax from the tax table and input that? Why doesn't it pull info from the W2's over to the relevant places automatically...and speaking of, why isn't entering W2's the first thing it asks you to do?). Still, it is navigable, and I neither have to pay a preparer nor a software company to file electronically. Overall I like it.
Taxes are still too complex, but that is not the IRS's fault, it's the fault of politicians and special interests. And no politician, no matter what they say, is actually interested in simplifying it, because you can't simplify it without increasing taxes on some group (either special interest or fairly broad).
Thursday, March 26, 2015
Tuesday, March 17, 2015
Anti-GMO Nuts Similar to Anti-Vax Nuts
Anti-GMO (and to a lesser extent a lot of the super organic everything types) Nuts are pretty high on my personal pet peeve list. As a public health/welfare issue it is less important as the anti-vax crowd as the anti-gmo group mostly just way overspends on groceries, but the clear disdain both groups hold for the actual science on the issues is infuriating to me.
I'm really not happy to see Consumer Reports on the nutjob side of this fence.
I'm really not happy to see Consumer Reports on the nutjob side of this fence.
Tuesday, March 10, 2015
Wearable Fitness
Krugman points out one benefit of the wearable fitness trackers that are getting popular but misses another. The immediacy thing has been doable for some time now in the form of pedometers. What the newer electronic devices that couple to apps on on your phone gives you is not just the inability to fool yourself but also introduces a game element, including competition with yourself and others.
People [generally] have more fun running 5 km in a race than they do on their own. If I walk 15k steps a day: so what? If I'm involved in a work-week challenge with friends and family: I can win! Also, this adds the guilt element: other people will know if you're a slug. The more automated the tracking and notifications are the more likely people are to do them.
I am reminded of the fitness program in "Ready Player One". He was a slug who did little exercise and ate pizza, but the program, which could not be uninstalled for a month (iirc) wouldn't let him online until he had exercised.
We generally recognize that fitness is more fun when it is a game, but not all people are going to be good/capable of all games. Personal trackers that monitor steps, fitness level, heartrate, allow anyone to play the fitness game.
People [generally] have more fun running 5 km in a race than they do on their own. If I walk 15k steps a day: so what? If I'm involved in a work-week challenge with friends and family: I can win! Also, this adds the guilt element: other people will know if you're a slug. The more automated the tracking and notifications are the more likely people are to do them.
I am reminded of the fitness program in "Ready Player One". He was a slug who did little exercise and ate pizza, but the program, which could not be uninstalled for a month (iirc) wouldn't let him online until he had exercised.
We generally recognize that fitness is more fun when it is a game, but not all people are going to be good/capable of all games. Personal trackers that monitor steps, fitness level, heartrate, allow anyone to play the fitness game.
Thursday, February 26, 2015
Peggy Carter singing 10,000 Maniacs
Yes, I am very aware that it's actually Natalie Merchant, but that was my first thought on seeing this older performance on YouTube (actually saw it on Krugman's blog). She doesn't actually look like Hayley Atwell, but the outfit, hair and camera angles...Agent Carter was the first person I thought of.
Wednesday, February 04, 2015
"Liberal" Professors
Professors and universities are bastions of liberal thought. Sure, but why? This article states that the reason is self-selection, i.e. liberal youth consider academia an appropriate destination more than conservative youth and so choose it. Fine, but this seems to me to be circular and so there is still a "why?" to consider.
First: it is circular, because the self-selection needs to be kickstarted somehow. There needs to be a reason that liberals are more likely to see academia as a good environment to them that isn't "there are more liberals than conservatives in academia." It had to get that way somehow. Note that that could have still been self-selection but the motivation to get from no apparent bias to professors are all liberal can't be that professors are all liberal.
So, why is it that academia developed into a place where liberals gather? I haven't the resources (time or physical) to figure this out myself--I certainly do have a few thoughts on the matter--but this isn't a new phenomenon (some aspects are but not the whole liberal vs. conservative thought in educational settings).
I should also note that while this has some bearing on US politics, that isn't necessarily a big part of it. Particularly today, the political side of liberal vs. conservative doesn't really register to me as an intellectual debate. The two political sides are far more divided along emotional and group lines, though, yes, one side is far more welcoming of intellect/reason/facts/science/thought/... than the other.
Friday, January 30, 2015
Seriously: Don't Use Brokers
Even before Wolf of Wall Street and now the Furman memo (first at Bloomberg but more fun read is Taibbi's). It was obvious to anyone who paid any attention that managed funds were a bad idea. Tons of fees and most do worse than the market average (deducting fees even more are worse). Yesterday's golden boy is tomorrow's goat--past success does not predict future success in finance.
Your best option is and has been to park your money in a couple low cost index funds (exchange traded or not) and then leave it there. For balance split between total stocks and total bonds. You can add REIT and international if you feel like it and the ratio of the split(s) should relate to your risk tolerance (more simply: to your age). That's it. Anyone who tells you differently is trying to take money from you and pocket it himself (well, maybe herself, but let's be honest: it's probably gonna be a dude).
Yes some people (and maybe you!) can get lucky and pick the right blend of stocks at the right times and make a killing: doing way better than the market. But 00 may also come up on the roulette wheel, the dealer may not be sitting on 20 with that face card showing, and 7 could get rolled 3x in a row. If you want to gamble, that's fine, and the stock market is as good a place to do it as any (and more respectable for some odd reason). If you are just trying to save for retirement the best way possible, on the other hand, gambling isn't the wise choice. You may hit the financial jackpot, but probably, you're going to be a lot poorer than you would be if you had just stuck with the simple, cheap option.
Your best option is and has been to park your money in a couple low cost index funds (exchange traded or not) and then leave it there. For balance split between total stocks and total bonds. You can add REIT and international if you feel like it and the ratio of the split(s) should relate to your risk tolerance (more simply: to your age). That's it. Anyone who tells you differently is trying to take money from you and pocket it himself (well, maybe herself, but let's be honest: it's probably gonna be a dude).
Yes some people (and maybe you!) can get lucky and pick the right blend of stocks at the right times and make a killing: doing way better than the market. But 00 may also come up on the roulette wheel, the dealer may not be sitting on 20 with that face card showing, and 7 could get rolled 3x in a row. If you want to gamble, that's fine, and the stock market is as good a place to do it as any (and more respectable for some odd reason). If you are just trying to save for retirement the best way possible, on the other hand, gambling isn't the wise choice. You may hit the financial jackpot, but probably, you're going to be a lot poorer than you would be if you had just stuck with the simple, cheap option.
Because We Don't...Listen?
Look, scientists are not necessarily the people we want to pay attention to for every little thing. We are, however, the go-to people for, you know, science stuff. That's why some of this crap is really frustrating.
Look at that list then think about where the two parties sit. One party is pro-science, the other is not. There are some crossover issues, but they are not really party platform points...Yes, more liberals (probably) think GM foods are not safe to eat, and certainly more liberal politicians push for laws on labeling, but the Democratic party does not really care. Animal research is similar. Nuclear power is also similar except that the party is very much pro nuclear power.
Only one party has large numbers who state they do not believe the science on climate change. Only one party has presidential candidates who publicly declare that they do not believe in evolution. Indirectly on the list but only one party fights against alternative energy mostly that which comes in the form of solar.
I really do wish the Republican party wasn't anti-science. I probably still wouldn't vote for them because I have a heart (i.e. liberal on social issues) but at least I would be somewhat less fearful of the damage that will be done to our country and our planet when they have power.
Friday, January 09, 2015
Mostly "Conservative" Rich but Not Entirely
So the "Rich Think the Poor Have it Easy" do they? I am genuinely curious about why this belief comes about. Is it straight up class-ism? Is it a combination of Fox News and the Wall Street Journal poisoning their brains? I just don't understand how anyone could really believe that the poor have it easy.
We have a (small) safety net that mostly keeps poorer people from being completely destitute. It helps keep poorer families from starving and helps keep a roof over their head. Public schools provide some opportunity for advancement for their children, though it should be pretty obvious how inadequate that is. Moreover we put less toward alleviating poverty today than we did 40, 50 years ago.
I wonder how much is an age divide. Older people are more likely to be rich. They mostly grew up during that time that being poor was less of an obstacle than it is today, and there are dramatic differences in some standard of living/cultural issues that confuse the whole picture--"When I was a kid I didn't have an Xbox and a 40 in. flat screen to play it on! I had a stick and a hoop and I liked it!"
...really this post is going to be either too long or incomplete so I'm leaving it incomplete. I just wish I could understand the astounding lack of empathy among the well off in our society. On the one hand they complain about how hard it is to get by on only $250k, on the other they think people making $20k/year have it easy.
We have a (small) safety net that mostly keeps poorer people from being completely destitute. It helps keep poorer families from starving and helps keep a roof over their head. Public schools provide some opportunity for advancement for their children, though it should be pretty obvious how inadequate that is. Moreover we put less toward alleviating poverty today than we did 40, 50 years ago.
I wonder how much is an age divide. Older people are more likely to be rich. They mostly grew up during that time that being poor was less of an obstacle than it is today, and there are dramatic differences in some standard of living/cultural issues that confuse the whole picture--"When I was a kid I didn't have an Xbox and a 40 in. flat screen to play it on! I had a stick and a hoop and I liked it!"
...really this post is going to be either too long or incomplete so I'm leaving it incomplete. I just wish I could understand the astounding lack of empathy among the well off in our society. On the one hand they complain about how hard it is to get by on only $250k, on the other they think people making $20k/year have it easy.
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