MONEY: college versus retirement

From a radio show by <what was that dude’s name>
about college versus retirement

***Begin Quote***

The host made an excellent case that parents should worry about their retirement more than their children college.

Retirement is paid for upfront. Assuming your retire at age 65, you must have all your “savings for retirement” completed at that point.

College for children can be paid over the child’s lifetime. Potentially 45 years to spread it out over. Student loans at low rates of interest allow this to happen.

Your estate can be used to pay off student loans. Student loans can not be used for your retirement.

College’s ROI is over valued. There are cheaper ways to get a college education. Specifically, community colleges. Specifically, get a job where the employer pays. Specifically, the GI bill. (Note, imho, that could cost you a child. Too expensive.) Specifically, testing to get required courses waived.

***End Quote***

Convinced me!

Especially the ROI. Get a degree in basket weaving for $160k? To earn no more than a high school grad? And some jobs don’t require a degree — sales for instance.

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TECH SERVICE: BLOGLINESBETA missing a feature from the old version

FROM: Bloglines Customer Service

*** begin quote ***

Thank you for contacting us. Please refer to the discussion thread below for our response. If you need further assistance with this issue, please reply to this message describing the issue in more detail.

Thank you for allowing us to be of service to you.


Subject
Web Form: [Suggestions]

Discussion Thread
Response (C.D.) 08/31/2007 08:12 PM
Hello,

Your suggestion is much appreciated, and we have forwarded your note to the Bloglines Beta team.

Over the years we have modified our site based on feedback like yours and from other Blogliners. Look for changes in the upcoming weeks and months, as we continue to build-out Bloglines Beta. We welcome your thoughts about Bloglines.

Please let us know if we can be of further assistance.

Customer 08/30/2007 02:41 PM

Old Bloglines allows me to “keep as new”. So if I am whizzing thru and see something that I’d like to spend more time on I just check it. Beta Bloglines doesn’t do that. Or, I don’t see it. And, it doesn’t honor the oldblogline’s setting. This was the reason I move from Google to Bloglines. Hate to have to move again.

*** end quote ***

# # #

Sigh! Why bother?

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POLITICAL USA: Go Ron Paul

August 27, 2007

Many political pundits from the mainstream media dismissed Ron Paul’s campaign for president from the day it started. However, when support for Dr. Paul came alive via the Internet, those so-called experts had to acknowledge (reluctantly for most of them) that there is support for Ron Paul. But then, they tried to dismiss that support as little more than an Internet craze that could not translate into “real support on the ground.”

Well, we know what they either don’t know or don’t want to admit: Americans from every state and every walk of life are supporting Ron Paul’s message of freedom, peace and prosperity.

As straw polls from around the nation are showing, more Americans by the day are deciding they want Ron Paul to be our next president.

Your donation will help us sustain this national momentum as we organize across America. See the straw poll results for yourself and then make a donation. You can now use PayPal to keep our momentum going.

List of Straw Poll Results
http://www.ronpaul2008.com/straw-poll-results/

Thank you!

Kent Snyder
Chairman, Ron Paul 2008

Categories USA

RANT: “repeal” bad laws … … in the jury box!

http://sendtherightmessage.com/images/stamp_out_prohibition

1932 photo 0

 

Ohhh, they meant alcohol! Everyone knows that there is no similarity between alcohol prohibition and drug prohibition. No gangs killing innocent people. No infringements of our rights. No loading the jails with non-violent offenders.

Guess we’ll have to respond in the jury box.

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TECHNOLOGY: from the Ebenezer Scrooge School of Overseer Management

Network World’s Security Strategies Newsletter, 08/30/07
Ethical decision-making: Identifying the ethical issue
By Mark Gibbs

***Begin Quote***

Let’s assume for the sake of this discussion that an employee, Bob, has signed an appropriate-use agreement with his employer and that he’s not supposed to use his company computer for non-work-related Web surfing.

*** end quote ***

It’s all too black and white. Cut and dried. Either or. The real world is much more gray!

If the employee we are talking about is an hourly employee — the IT equivalent of a burger flipper — then the case presented makes some amount of sense. But, I am hard pressed why they have a fully functional browser, and expensive hardware.

I think the more interesting case is when you apply this to what I will classify as “knowledge workers”. They present a tougher case in what’s acceptable use. Proper leadership would know when the people were being productive and then trying to micro mange what people do by AUPs — which never work — would be unnecessary.

While we are talking about following rules, the rule maker’s hands are not always that clean. Sometimes there are different AUPs for the AUP-makers. AND, then we have many organizations, who want knowledge workers to provide off hour support from home without compensation, wanting to enforce an AUP. Seems like the rules are used when they are convenient.

Bottom line: Everyone must tread very carefully. And, keep notes on what is “current practice”. They’ll be useful when you negotiate your severance or can be used as evidence at your trial. AUPs are another gotcha from the Ebenezer Scrooge School of Overseer Management!

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INTERESTING: Sir! No Sir!

http://www.sirnosir.com/home_about_film.html

***Begin Quote***

This is why David Zeiger decided he had to make a documentary about the antiwar movement that we’ve been taught to forget: the antiwar movement that organised itself in barracks, on aircraft carriers, in country, at listening posts, in the line for mess hall. His film is called Sir! No Sir! and in this viewer’s opinion it’s one of the best documentaries of recent years.

***End Quote***

I guess I led a sheltered life. In my USAF time 70-73, I never saw any such resistance.

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INTERESTING: Which was this young lady?

http://execunet.blogspot.com/2007/08/miss-teen-usa-miss-south-carolina-power.html

Tuesday, August 28, 2007
Miss Teen USA, Miss South Carolina, & The Power of the Web

Dave Opton over at Execunet opined on the young lady’s flub. And, he was nice enough to allow my comment to post.

Upon reflection, either this young lady was amazingly dumb or amazingly smart. She may have had her fifteen minutes. http://en.wikipedia.org/wiki/15_minutes_of_fame Or, she may have out Paris Hiltoned the latest vamp of the idle rich kids.

I don’t know.

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JOBSEARCH: Monster did NOT do enough

FROM A MONSTER EMAIL

***Begin Quote***

Dear Valued Monster Customer,

Protecting the job seekers who use our website is a top priority, and we value the trust you place in Monster. Regrettably, opportunistic criminals are increasingly using the Internet for illegitimate purposes. As is the case with many companies that maintain large databases of information, Monster is from time to time subject to attempts to illegally extract information from its database.

As you may be aware, the Monster resume database was recently the target of malicious activity that involved the illegal downloading of information such as names, addresses, phone numbers, and email addresses for some of our job seekers with resumes posted on Monster sites. Monster responded to this specific incident by conducting a comprehensive review of internal processes and procedures, notified those job seekers that their contact records had been downloaded illegally, and shut down a rogue server that was hosting these records.

The Company has determined that this incident is not the first time Monster’s database has been the target of criminal activity. Due to the significant amount of uncertainty in determining which individual job seekers may have been impacted, Monster felt that it was in your best interest to take the precautionary steps of reaching out to you and all Monster job seekers regarding this issue. Monster believes illegally downloaded contact information may be used to lure job seekers into opening a “phishing” email that attempts to acquire financial information or lure job seekers into fraudulent financial transactions. This has been the case in similar attacks on other websites.

We want to inform you about preventive measures you can take to protect yourself from online fraud. While no company can completely prevent unauthorized access to data, we believe that by reaching out to job seekers like you, the Company can help users better defend themselves against those who have attacked Monster as well as other databases.

We are committed to maintaining an ongoing dialogue with all of our job seekers about Internet security and the steps Monster is taking to protect its job seekers. The Company has placed a security alert on Monster sites offering information to educate you about online fraud. This information can be found at http://help.monster.com/besafe/. We have also included information on Internet safety and examples of fraudulent “phishing” emails at the bottom of this letter.

Monster has launched a series of initiatives to enhance and to protect the information you have entrusted to us. Some of these steps are being immediately implemented, while others will be put into place as appropriate.

We believe these actions are the responsible steps to protect the trust you place in Monster. We are also working with Monster’s hundreds of thousands of employer customers to ensure a safe and effective online job search. We will continue to share information with you about the enhancements we are making as we serve as your online career resource partner. We invite you to keep reading to learn more about how to use the Internet safely.

Sincerely,
Sal Iannuzzi
Chairman and CEO
Monster Worldwide

***End Quote***

Sorry, I don’t think that Monster did NOT do enough both before and after the horse and the barn!

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LINUX: Well, the die is cast!

placed my order for a Linux laptop. I’ve begun to separate myself from the Microsoft Death Star and join the Linux revolution. I’m returning to my roots as an injineer, unix nerd, and “falling knife” catcher. Good bye, Bill! No more winrot! No more verbose network conversation as all the workstations in my home lan try to elect a domain controller. No more treadmill of fatter operating systems needing bigger hardware.

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LIBERTY: Thirty days back to a Constitutional America

http://www.lewrockwell.com/rockwell/30-day-plan.html

Rockwell’s Thirty-Day Plan
by Llewellyn H. Rockwell, Jr.

***Begin Quote***

When Eastern Europe broke free in 1989, we all realized just how little thought had been given to the transition from socialism to capitalism. Mises had told us the collapse was coming, and we should have been prepared.

As America comes to resemble a command economy, we need a transition plan here too. Yuri Maltsev proposed a “One-Year Plan” for the U.S.S.R. We’re not in that bad a shape (yet), so we could do it in 30 days.

DAY ONE: The federal income tax is abolished and April 15th is declared a national holiday. The 40% reduction in federal revenues is matched by a 40% cut in spending. The budget is still almost twice as big as Jimmy Carter’s.

***AND***

DAY FOURTEEN: The shaky fiat dollar is defined in terms of gold, with the ratio determined by dividing the government’s gold stock by all existing dollars on that day.

***AND***

DAY TWENTY-EIGHT: The American people are given the unrestricted right to keep and bear arms.

***End Quote***

Well said. I have some minor quibbles.

In #1, what national holidays? What is is a holiday from? Where in the newly brushed off Constitution does it say anything about National Holidays? On April 15th, after Lew nukes the IRS, I’ll be happy to take a day off at my own choosing to tell my younger in-laws who were educated in gooferment skoolz that there once was a time when theft by a gang of very bad men holed up in a Maryland swamp were so strong that they convinced people that they should send half of their production to that swamp. But, I don’t need a gooferment holiday to do that!

In #14, I don’t agree in the redemption method. I think all those green pieces of paper need redemption and that all those unfunded promises need to be made whole, but how to do it is my quibble. I think all those federal assets need to be sold off for the creditors.

In #28, rights aren’t given! They may be restored from their previous infringement but they are after all inalienable.

All in all, I thing the schedule needs a little shuffling, but the next month should be fun!

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INTERESTING: transplants are needed

http://www.townhall.com/columnists/column.aspx?UrlTitle=no_trade-offs&ns=ThomasSowell&dt=08/28/2007&page=2

No Trade-Offs?
By Thomas Sowell
Tuesday, August 28, 2007

***Begin Quote***

More organs to transplant are needed, and people tend to supply more of anything when they are paid more — and especially when they are paid something instead of being paid nothing.

But, here as elsewhere, we must first overcome squeamishness. And the first step is to stop confusing it with being humane.

***End Quote***

We allow the politicians, bureaucrats, and fuzzy thinking sheep to keep us from doing the right thing in some many areas of life.

As you know, I believe that free markets are miniature elections. A buyer and seller can (usually) make a bargain from whence they both benefit. (if they didn’t, then the deal would not close.) That says to the world that X = Y. A barrel of oil is worth 65$. Aside from all other arguments, that sets the stage for people to make decisions and plans. If your potential use would bring you 66$ in value, then you proceed. Otherwise, you decline. It’s an election. And, it’s interesting because it sums up all the wants, need, and desires across all the people. The next barrel is up for bid. The one who needs it “most” will get it. And, they will have the money to pay based on their contributions to their fellow man. Yup, that’s right. The only way to get money is to appeal to you fellow man to give you some by satisfying their needs. The market place is not only an election, rationing agent, and an auctioneer, it’s a mechanism to enforce cooperation.

So, let’s use it to solve the organ donation problem.

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INTERESTING: Get botox faster than cancer screening. No surprise!

http://www.breitbart.com/article.php?id=070830043429.boo9bmfz&show_article=1

Patients get appointments for Botox faster than for moles: study
Aug 30 12:34 AM US/Eastern

***Begin Quote***

Patients who want a Botox treatment for wrinkles get appointments with US dermatologists much faster than those with potentially cancerous moles, according to a new study.

For a Botox injection, patients waited typically for eight days, while those asking doctors to look at worrisome moles that might indicate skin cancer waited 26 days, said the study in the Journal of the American Academy of Dermatology.

***End Quote***

You pay for what you get. If the doc can make X with no insurance hassle, then is it a surprise that he will do what turns time into bucks fastest? That’s the free market allocating resources, better faster and cheaper than any administrative system.

When we get Hillarycare, I can’t wait to see the queues.

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TECH SOFTWARE: ROBOFORM (Highly Recommended — Essential Software)

http://www.roboform.com

Have a few situations where I think roboform2go could do a little better.

(1) When I resume, the roboform2go can’t remember where the fob was. even though it never left its place in the usb slot. Rerunning roboform2go fixes it.

(2) When I reboot, roboform2go restarts but the little icon — that gives me access easily to all the functions — gets “lost”. Rerunning roboform2go restores to its proper place.

(3) On resume, if I put the fob in too early in the boot process, then roboform2go never triggers to start.

I just think that it could be handled a little better.

For example, when roboform2go “loses” its fob, there should be a pick from the little icon to “look around for it”.

For example, when the little roboform2go icon goes “mia”, (Note: roboform2go is running and will supply data), there should be a secret key combo to restore the icon.

Just some kvetches that have been building up and I thought I’d mention them.

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JOBSEARCH: Career planning?

Does anyone ever have a “career plan”? What tools do you use to support that plan?

***Begin Quote***

I’ve been counseling my “turkeys” ((i.e., out of work fat old white guys usually in the IT field; you know COBOL guys in the RUBY age) about having a written plan for what they want. Everyone has heard that urban legend about 97% of successful Harvard graduates had a written plan when they graduated. (Have to research that particular urbanity!) But I haven’t found any web tools that support developing a “career plan”. Not that I need one now. But for my fellow turkeys. There’s execunet (www.execunet.com) for executive job search. There’s jibberjobber (www.jibberjobber.com) for personal network management. But what helps plan the career? What is the “Microsoft Project” for turning a string of jobs into a career plan?

***End Quote***

Interesting question?

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RANT: Death By Gooferment

http://www.downsizedc.org/blog/2007/aug/23/death_by_government

Free Healthcare is Expensive

*** begin quote ***

A Calgary woman was in excruciating pain from worn-out knee cartilage.
She had to wait 16 months for her “free” surgery. It took so long that
she became addicted to “free” Oxycontin. The result? More time on
another long list, waiting for “free” drug rehab.

*** end quote ***

We have in today’s Amerika a perfect laboratory of “socialized medicine” in the “single payer genre”. The VA!

Yes, you don’t have to look and see what Hillary-care will look like. We have it already.

And, you want this for all of us?

Please count me out!

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MONEY: inflation is a mandatory element

http://www.lewrockwell.com/peterson/peterson16.html

Peterson’s Law of Inflation
by William H. Peterson

***Begin Quote***

But still, would governments consciously inflate against their own citizens? The thought was too dismal, the theory too disconcerting. We never got to check out the connection, if any, between inflation and public debts, for we left the Museum of Moneys of the World – that monetary graveyard – for the purer air and traffic of New York’s Sixth Avenue and fished in our pockets for a fifteen cent subway token to take a ride that had cost a nickel not so long ago.*

*Current 2007 price of New York City subway ride is $2.

This article was originally published in National Review, December 19, 1959.

***End Quote***

I’d suggest that inflation is a mandatory element of any financial plan.

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INTERESTING: Taxes enslave everyone now

http://www.americanrhetoric.com/speeches/mlkihaveadream.htm

Martin Luther King, Jr.
“I Have a Dream”
delivered 28 August 1963,
at the Lincoln Memorial, Washington D.C.

***Begin Quote***

When the architects of our republic wrote the magnificent words of the Constitution and the Declaration of Independence, they were signing a promissory note to which every American was to fall heir. This note was a promise that all men, yes, black men as well as white men, would be guaranteed the “unalienable Rights” of “Life, Liberty and the pursuit of Happiness.”

***End Quote***

Are we there yet? Not even close. I’d argue we are actually further away. Taxes enslave everyone now!

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TECH SERVICE: CollectiveX’s Groupsites (RECOMMENDED)

http://www.groupsites.com/

CollectiveX’s Groupsites

***Begin Quote***

What are Groupsites?

Groupsites make it easy for groups to share, communicate and network. They combine the best
features of:

– Discussion forums
– Email lists
– Calendars
– Social networks

Groupsites are powered by CollectiveX; are FREE to setup; and can be public, semi-public or private.

***End Quote***

Interesting concept. You’re own social network. I’d suggest that it has a fragment of the solution. Jibber Jobber has a part. Yahoo Groups has a part. LinkedIn has a part.

Hmmm! Maybe I’ll create something for my fellow Turkeys, or just me?

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INTERESTING: no commute, no HQ, and no office

http://abcnews.go.com/WN/Story?id=3521725&page=2

The Future of the Workplace: No Office, Headquarters in Cyberspace
Some Companies Don’t Care Where Workers Are as Long as They Get the Job Done
By BETSY STARK
ABC NEWS Business Correspondent
Aug. 27, 2007

***Begin Quote***

Imagine a work world with no commute, no corporate headquarters and perhaps not even an office in the physical world at all.

For Bob Flavin, a computer scientist at IBM; Janet Hoffman, an executive at a management consulting firm; and Joseph Jaffe, a marketing entrepreneur, the future is already here.

***End Quote***

Yeah, and kiss your personal time good bye.

Been there and done that. If you are not feeling that your on Robinson Crusoe’s island, then you’re at the Battle of <insert favorite movie battle like Alamo, Battan, or Pork Chop Hill> alone without help, and held accountable to move mountains with your magic wand. Having done “global”, you can kiss the clock good bye. Having a berry, you can’t even go to the head (i.e., loo or LV or “officer’s club”) with out interruption. (I hear people doing email in the stalls or answer calls. Yuck!)

Maybe I can start the virtual union hall! ;-)

(Always thought the AFL CIO aimed at the wrong target demographic. I’d organize the IT workers. Not only could they pay more in dues, they have the enterprises by the throat in their data is their life blood.)

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RANT: 14 Reasons to Deport Illegal Aliens

KB:

Interesting, but how much are spent on “legal” freeloaders?

I’d suggest we dump all the “welfare” for “illegal” aliens, and right along with it, the “welfare” for all the freeloaders, including aliens, citizens, corporations, politicians, bureaucrats, “celebrities”, the media, and all those that “pig at the trough” by “servicing” all the gooferment programs.

We can while we’re at it end the phony War on Drugs, that doesn’t do anything about “drugs”.

Next, we bring home all the troops from all over the globe and become a porcupine like Switzerland.

Finally, nuke the Federal Reserve and let the dollar be backed by something other than politician’s promises!

And, life would get a whole lot better and cheaper.

Then, “legal” and “illegal” will have lost all meaning.

And there is a presidential candidate who’ll do most of this — Ron Paul.

See his site. http://www.ronpaul2008.com/
:-) crazy fjohn

—–Original Message—–
From: KB
Sent: Saturday, August 25, 2007 9:32 AM
To: KB
Subject: 14 Reasons to Deport Illegal Aliens

INTERESTING ‘FACTS’…

Hope these 14 reasons are forwarded over and over again until they are read by the majority of Americans. Then they will have something to yell at their U.S. Congress members about. Our elected officials must open their ears and listen to us, or vote them out and get in those who are willing to stop the ‘downfall of the ‘AMERICA’ which we loved!!!:

1. $11 Billion to $22 billion is spent on welfare to illegal aliens each year.
http://tinyurl.com/zob77

2. $2.2 Billion dollars a year is spent on food assistance programs such as food stamps, WIC, and free school lunches for illegal aliens. http://www.cis.org/articles/2004/fiscalexec.html

3. $2.5 Billion dollars a year is spent on Medicaid for illegal aliens.
http://www.cis.org/articles/2004/fiscalexec.html

4. $12 Billion dollars a year is spent on primary and secondary school education for children here illegally and they cannot speak a word of English!
http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.0.html

5. $17 Billion dollars a year is spent for education for the American-born children of illegal aliens, known as anchor babies.
http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html

6. $3 Million Dollars a DAY is spent to incarcerate illegal aliens.
http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html

7. 30% percent of all Federal Prison inmates are illegal aliens.
http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html

8. $90 Billion Dollars a year is spent on illegal aliens for Welfare & social services by the American taxpayers.
http://premium.cnn.com/TRANSCIPTS/0610/29/ldt.01.html

9. $200 Billion Dollars a year in suppressed American wages are caused by the illegal aliens.
http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html

10. The illegal aliens in the United States have a crime rate that’s two and a half times that of white non-illegal aliens. In particular, their children, are going to make a huge additional crime problem in the United States.
http://transcripts.cnn.com/TRANSCRIPTS/0606/12/ldt.01.html

11. During the year of 2005 there were 4 to 10 MILLION illegal aliens that crossed our Southern Border also, as many as 19,500 illegal aliens from Terrorist Countries. Millions of pounds of drugs, cocaine, meth, heroine and marijuana, crossed into the U. S. from the Southern border. Homeland Security Report: http://tinyurl.com/t9sht

12. The National Policy Institute, “estimated that the total cost of mass deportation would be between $206 and $230 billion or an average cost of between $41 and $46 billion annually over a five year period.”
http://www.nationalpolicyinstitute.org/pdf/deportation.pdf

13. In 2006 illegal aliens sent home $45 BILLION in remittances back to their countries of origin.
http://www.rense.com/general75/niht.htm

14. “The Dark Side of Illegal Immigration: Nearly One Million Sex Crimes Committed by Illegal Immigrants In The United States “.
http://www.drdsk.com/articleshtml

So using the LOWEST estimates, the annual cost OF ILLEGAL ALIENS is $338.3 BILLION DOLLARS A YEAR!

So if deporting them costs between $206 and $230 BILLION DOLLARS, start getting rid of em’. We’ll be
ahead after the 1st year!!!

Please pass this on. Americans need to wake up!

# # # # #

GOLDBUG: Russell on gold bullion

Russell on gold bullion

The central bankers believe they can control the quantity of fiat money so that the junk they create will always possess purchasing power. History tells us that the central bankers are dreaming (or lying). When it becomes obvious that the central banks are producing too much paper and are therefore devaluing their fiat currencies, seasoned investors take that fiat currency and buy Picassos or homes near some shoreline or collectibles or gem-quality diamonds — or gold Gold moves up when people worry about fiat currency, and they want to accumulate real money.

Source: Richard Russell, Dow Theory Letters, August 23 2007.

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INTERESTING: Impact Lab cites Baptists Turn From Public Schools

http://www.impactlab.com/modules.php?name=News&file=article&sid=12878

***Begin Quote***

Convinced that God has been erased from public schools, Southern Baptists are now working to open their own schools, where Jesus is writ large and Bible study is part of the daily curriculum.

Church leaders are not calling for a wholesale exodus from public schools, which would be a monumental hit, considering that Southern Baptists make up the nation’s largest Protestant denomination with 16 million members.

***End Quote***

Bout time the realized the true nature of gooferment skoolz!

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RANT: If the gooferment pays you off for a loss

http://apnews.myway.com/article/20070827/D8R91P5O1.html

Storm Cleanup Begins in Soggy Midwest
Aug 26, 8:34 PM (ET)
By EMILY ZEUGNER

*** begin quote ***

The disaster declaration means residents can apply for assistance, including grants for temporary housing and home repairs and low-cost loans to cover uninsured property losses.

*** end quote ***

I am truly sorrow for the trouble these folks are having.

But, I have to rant about “federal flood insurance” and the strategy of rebuilding. I’ve often called Federal Flood Insurance as a boondoggle to allow rich folks to rebuild in risky places.

Sorry, but perhaps we need to change the strategy here. If I, meaning the Federal Gooferment, pay for for your loss, then you don’t get to rebuild in the same place. That plot is forever “uninsurable”. You, or anyone, builds there at their own risk. No second bites of the apple. We have properties here in New Jersey that have been flooded out twice in the same year. Never mind the hundred year flood plain.

So there is my idea: If the gooferment pays you off for a loss, the site is now a green space.

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