Tag Archives: life

Why A One-Size-Fits-All Minimum Wage Doesn’t Work For America

It seems to me that federally enforced on-size-fits-all minimum wage legislation is an ineffective way for policy makers to improve the standard of living for this country’s people.

I completely agree that something needs to be done. There are a thousand different ways we could improve the standard of living for the entire country. Simple and effective ways we could close the income gap between the richest and the poorest among us, but $10.10 an hour isn’t one of them. Frankly, it’s lazy policy making.

$10.10 an hour means different things in different parts of the country:

I think it is difficult for people in different parts of the country to understand what $10.10 an hour means to one another. Someone in New York City probably thinks that $10.10 an hour is slave wages while someone in Jackson, Mississippi (capital of MS) probably considers $10.10 an hour a livable wage. That is because the average cost of living varies wildly from region to region in the United States.

Average Cost of Living

Housing Prices Vary Wildly Across Major Cities: 

We can quickly compare median sales prices for homes across the country (source):

City Median Sale Price
Manhattan, NY $1,175,000
Jackson, MS $184,502
Seattle, WA $435,000
Atlanta, GA $245,000
San Francisco, CA $945,000

Gas Prices Vary Wildly Across Major Cities: 

We can quickly compare gas prices across the country (source)

City Regular Mid Premium Diesel
Manhattan, NY $4.052 $4.216 $4.354 $4.479
Jackson, MS $3.440 $3.642 $3.812 $3.737
Seattle, WA $4.035 $4.152 $4.255 4.109
Atlanta, GA $3.692 $3.871 $4.045 $3.893
San Francisco, CA $4.225 $4.342 $4.440 $4.291

Note: There are similar variances for food and clothing costs.

It is important to realize that these major variances are across major cities. If you compare rural areas to cities the variance is even more dramatic. So why does anyone expect a one-sized-fits-all minimum wage to work across the country?

The Solution: A Livable Wage that Fits

If we want to increase the minimum wage it seems like we need to make an effort to understand what that wage is in each part of country. We should not pick a number that everyone is expected to implement across the board. The country is to diverse for that to be successful.

What may be a fit for Seattle, WA would probably be overly burdensome to businesses in Jackson, MS. What may work in Jackson, MS would probably be insufficient in Manhattan, NY. So why do we treat wages the same when costs across the country are provably and undeniably different? This makes no sense to me.

Instead, it seems like we should empower our communities and local policy makers to actin the best interest of their constituents by providing the people living there with critical data and information to make better decisions for themselves. And if we are going to implement something federally (which I don’t think we should) – shouldn’t we at least make an effort to make it work for everyone?

We are a great country because of our diversity. There is something, somewhere, for everyone. We have always embraced that mantra. I don’t think we should stop now.

The Indoctrination Process

Six children and one women sitting in a circle holding hands. There heads were bowed and the women was mumbling softly. The children paid close attention.  As I jogged by the group one child looked up at me, almost afraid to be caught, with one eye barely squinting open, and immediately returned to the correct posture.

I slowed my jog to a walk so I could see the events unfold in more detail. In the front yard of the old house there was a small television with cartoon characters in the same posture as the women and children. I noticed that the children’s mouths were mumbling at the same cadence and volume as their teacher’s, but I couldn’t make out the words.

It was a vacation bible school camp. One just like the kind I had attended dozens of times as a child too.

In retrospect I remember all of the things I was taught as a child. How I was taught to think and not think. Not to question, to have faith without evidence, and to obey authority. The cost of disobedience was worse than death. Hell. My parents, grandparents, and the rest of my family enforced these ideas too. I believed it all without question.

When I think of it now this seems so unfair. It is such an obvious process of indoctrination that I can barely believe that such an institution, in its present form, exists at all. The use of authority, media, entertainment, and group-think to ingrain a since of loyalty  and respect to an organization and its belief system.

When you think about it, it’s not too different than how any society works. Even here in the land of the free.

“The use of authority, media, entertainment, and group-think to ingrain a since of loyalty  and respect to an organization and its belief system.”

Patriotism enforced by a since of community , unlimited hours of (un)reality TV available for consumption, a media network that pumps ideas into the psyche of the public, and a since that we owe it all to those in charge. We hold our leaders up like infallible idols – as long as they belong to the correct political party. A false since of choice.

This form of indoctrination works. It has been and continues to be used. We just can’t recognize it because we are part of the process. But once you recognize that such a thing exists it’s a lot easier to be yourself. Not what they told you to be.

Head of the Family

Having a kid has forced me to examine a lot of things in my life. I have to think about what I say, how I say it, and the inadvertent message I am sending to my daughter any time I act. It is an constant exercise of restraint, self control, and leadership. It is something I never gave much thought until she was already here.

Starting my own family has also forced me to reflect on my own childhood. The traditions we had, the good times, and the bad. And after a lot of self reflection I’ve come to realize that I am the launching pad for my family. I am the transitional figure who will likely set a new precedence for future generations to follow.

I don’t mean that in an egotistical kind of way, it’s just that I believe I am the first person in my family to recognize and accept this responsibility. My father suffers from addiction, my mother from depression, both from lack of education. Going generations back there is no figure that holds the family together. There are few traditions and no one I would call the “head of the family”.

I want my wife and daughter to have these things. I even want my parents and in-laws to experience these type of things. I picture the entire family sitting around a big dining room table on special occasions. Love, security, and tradition. There was a shortage of those things in my life and I want my family to have it.

So when I’m angry I take pause. When someone upsets me I stop and think. Instead of reacting I reflect on the big picture. Sure, I could probably say something to hurt this person’s feelings, but instead I’ll take it for the team. I’ll be the glue that holds this family together. I’ll swallow the insults, the ignorance, and instead be a leader. I’ll do all these things because I can and there’s no one else to do it. My reward is the result.

Sunday Morning Coffee

Sometimes I become very caught up with what I think life is supposed to be and forget what my life really is. Life doesn’t have to be so stressful. Life doesn’t have to be this continuous race – where there is no finish line. Life can be more (or less, rather).

That is what I love most about my Sunday morning coffee. I wake up at no particular time, slowly move down-stairs, carefully grind and prepare a cup of coffee, and enjoy the cool morning air on my front porch. It has been a methodical and almost meditative routine.

I take this time to think about nothing in particular. To enjoy a few squirrels running across my front yard, the birds making noise, and the leaves rustling from time to time. Most of all I enjoy the perfect temperature – before the Georgia heat forces me inside.

I wish I had more of these slow days. Maybe, over time, as I mature and allow myself to do so I will grow wise enough to give up more of my “ambition” and gain the courage to simply be present in each moment. Present on my front porch enjoying the world.  Like right now.

The Economics of Compounded Growth

Our economy slowly grows at around 4% a year. This is a given. An expectation. Anything less is seen as a failure, anything more is an achievement.

I read an article today that did a good job of putting that kind of growth into perspective.

“Let us imagine that in 3030BC the total possessions of the people of Egypt filled one cubic metre. Let us propose that these possessions grew by 4.5% a year. How big would that stash have been by the Battle of Actium in 30BC? This is the calculation performed by the investment banker Jeremy Grantham(1).
The trajectory of compound growth shows that the scouring of the planet has only just begun. We simply can’t go on this way.

Go on, take a guess. Ten times the size of the pyramids? All the sand in the Sahara? The Atlantic ocean? The volume of the planet? A little more? It’s 2.5 billion billion solar systems(2).”

This idea makes me wonder: Where is our breaking point? Where is the point in which we can’t sustain growth any longer? And what is our contingency plan?

I don’t know. Maybe we are already there. Maybe technology will let us keep going further than any of us ever dreamed. I don’t claim to know, but it’s certainly something we should all consider.

Problems and Solutions to the Broken Healthcare System

My wife and I recently had a little girl. Until that moment I had never been exposed to the healthcare and insurance ecosystem. I have been fortunate. I’ve never had an extended stay at the hospital, I’ve never been on prescription medication, and as an adult, I have never been to the doctor outside a checkup. Now I realize that the system is completely convoluted and non-transparent.

From what I can tell there are four major problems with the healthcare and insurance mechanisms.

1. Prices for healthcare services are unavailable, non-existent, or not published.
2. There is no crowd-sourced ratings system for hospitals (think yelp for hospitals).
3. Since everyone is insured no one cares about cost. This has resulted in higher prices.
4. The people have no power to control the quality or cost of the healthcare services.

These four problems ultimately result in a system that is too expensive, low quality, and where the people have no power to do anything about it.

Here are my proposed solutions:

1. Pricing for healthcare services are unavailable, non-existent, or not published.

Require all hospitals post itemized prices for their goods and services. Every procedure should have an itemized “menu” outlining what the procedure may cost. Since any given procedure is highly variable the menu should include “average cost”, “best case”, “most likely”, and “worst case” scenarios.

The menu should also include things like bandages, medication, and anything else a hospital could use to inadvertently pad the bill.  Great hospitals should even consider hiring a “budget specialist” who discusses costs and options with each patient.

These menus should be posted online and available before he procedure. This will allow individuals and insurance companies to shop around for a facility that meets the individuals’ need. This will also drive prices down since hospitals will be forced to compete based on price (or provide superior service to justify higher prices).

I would not eat at a restaurant that didn’t post prices so I should not have to receive healthcare services without prices either.

2. There is no crowd-sourced ratings system for hospitals (think yelp.com for hospitals).

There should be a crowd-sourced ratings system for hospitals. In my opinion this would have been a much better investment than healthcare.gov. When hospitals are forced to compete for business based on price and services the consumer benefits. Prices will ultimately fall and service will rise.

For example, in Atlanta there are several major hospitals in the metro area. For most procedures I have no idea what a service cost or who the best service provider may be. I usually just go to the closest major hospital. I imagine most people do the same thing.

A rating system would enable a consumer to quickly and easily search for a service provider based on thousands of consumer ratings. Ultimately a sick person cannot choose if they want to go to the hospital, but they can choose which hospital they visit. The power of consumer choice based on good information will ultimately force hospitals to compete.

3. Since everyone is insured no one cares about prices. This has resulted in higher prices.

The third major problem I see with the healthcare system are insurance companies.

Healthcare prices are so complex and expensive (for reason listed above) that no one can or wants to deal with it. We defer all responsibility to our insurers. Now, with the implementation of the Affordable Care Act (Obamacare) we have no choice anyways. Ultimately this leads to a system where no one cares about prices because they will be paying the same insurance premium regardless. But this is a false premise.

Because no one cares about prices and live under the illusion that their costs are the same there is no incentive to seek more cost effective solutions. People rarely look at their hospital bill and pay whatever the insurer requires. This ultimately leads to higher healthcare costs and higher healthcare insurance premiums.

Healthcare insurers should provide incentives (lower insurance premiums) to individuals who shop around for better prices and value. This would ultimately lower insurance prices and force hospitals to compete again.

4. The people have no power to control the quality or cost of the healthcare services they receive. 

The biggest problem with our healthcare system is that the people receiving the services have no power to control prices or the quality of service they receive. The appropriate infrastructure is not in place. All of the power resides with the insurance companies and healthcare providers.

Insurance companies operate as powerful unions who dictate what they will pay a hospital for a given good or service. Insurance companies have large staff who perform complex pricing studies so they understand what people are paying and how much a product SHOULD cost regardless what a hospital charges.

This results in hospitals charging several times market value for a given good or service because they fully expect the insurance company to pay only a small fraction of that amount. Meanwhile: the consumer is screwed, hospitals charge too much, and insurance companies reek most of the profits.

Obamacare:

Obamacare has only served to strengthen this broken system by further empowering insurance companies and disenfranchising the individual. Since EVERYONE is now forced to have healthcare insurance this eliminates any opportunity for individuals to negotiate or bargain for themselves.

Ultimately, we live in a system where the insurance companies dictate how much they will pay hospitals and how much they will charge consumers. Meanwhile, there has been no progress toward a system that promotes competition, dives prices down, or leads to better services.

Spirituality, God, and Self-Delusion

I used to talk to God all the time. I would pray for God to help me succeed. To help me accomplish goals, to help me get over problems, and for comfort. It was an excellent feeling knowing that something bigger and more powerful than myself would take care of me. Sometimes I miss that feeling. I wish I could get it back.

Sometimes, just out of habit, I find myself talking to God. When I realize what I’m doing I pause and reflect on the fact that no one is listening. Damn. I kind of wish there was someone listening. Maybe it’s a healthy delusion.

When I examine God I sometimes wonder if I could convince myself it’s real. Could I revert back to my adolescence and start believing again? This time it wouldn’t be the Christian God. It couldn’t be. There are just too many gaps on that front. But what about a deity? Just some higher power. Even then, I don’t think I could ever believe that this higher power is involved in my personal life.

Many of the founding fathers were deists. They believed there was something out there. Somewhere. Not an “it” but a “something”. At least they seemed to believe that. I’d like to believe that too. The comfort in such a thought is almost too appealing to ignore. Maybe there is some energy, some common and unseen force that connects all of the Universe. Maybe I can buy into that.

I really don’t know, but I do think spirituality is important. It is important for mental health, I think. But being spiritual doesn’t give you that sense of community traditional religion does – so what’s the alternative? I don’t know. Maybe it is just a common appreciation of everything.

I’d like to be more spiritual, but I can’t compromise truth to do so. I can’t lie to myself just to feel better. If there be such a deity self-delusion is not doubt the greatest sin. I guess I’ll just keep searching for my own truth – if there be such a thing. That’s all I can do.

The Appalachian Trail

Hills. The Georgia portion of the Appalachian Trail is a hill – both ways – always going up. Except when you’re going down. Going up or going down – uncomfortably down.  Trails that go up hills, then sharply down them. At least that’s what it feels like after 31 miles of them.

Beauty. There are beautiful views – views that make it clear why they call them the Blue Ridge Mountains. There are streams that run along most of the valleys that are equally as beautiful. It’s a great hike.

Appalachian Trail - 26

Thinking. At about 15 miles in my hiking partner and I stopped talking. The combination of exhaustion and spending the last 12 hours together left us without much to stay. That’s when most of the thinking begins. The valuable part of hiking. You start to think about a lot of stuff. Shower thoughts. Like:

  • It’s weird that we can drink filtered sewer water, but we’re supposed to boil fresh mountain spring water.
  • It seems strange that I spend 10 hours a day in a small room looking at a screen when there is so much outside.
  • I wonder when the last person to step here was. And here. And here. And here…
  • If I’m so happy hiking – with almost nothing – why do I feel like I need so much stuff?
  • I could eat so much right now.

This Damned Blog

Getting ahead in life is all about knowledge. The only problem is: You don’t know what you don’t know. That’s my problem at least.

I try to work my way through life. I try to make the right decisions. It’s tough though because for the most part I have to make these decisions myself. It’s kind of a one man show.

Sometime I wish I had a mentor. Just a guy with a ton of knowledge and experience that could occasionally steer me in the right direction. An old guy sitting in a rocking-chair with a southern-but-educated kind of voice. The kind of guy that commands authority, but doesn’t demand it.

The kind of person I would most appreciate would probably be smart enough to keep his advice to himself anyways. So it probably wouldn’t be much help. He would probably sit back with his arms crossed and listen while I talk. Occasionally nodding his head to show that he’s listening.

When I’m done talking he’d ask me if I want something to drink. I’d say sure, we’d talk about something else for a while, and I’d go home. I guess the kind of mentor I’d most like isn’t too much different from this damned blog.

Busy Life – New Plan

It has been over a month since I last posted something on my dear old blog and for the past two years I haven’t missed a week. Most times I never missed a day. But life works that way I suppose – you do things to fill your time until that time doesn’t exist anymore. In a positive way that’s what has happened to me. A simple lack of time.

I have a new baby at home, a promotion to manager at work, and a handful of things that are taking up more and more of my time.

Writing is important though and something I will continue to do for the rest of my life. It is a form of exercise. It is a discipline. So going forward I have a new plan to ensure that with all of my new responsibilities I do not neglect myself.

For the next month:

1. Dedicate at least 30 minutes a week to writing.

2. Dedicate 40 minutes 3 times a week to hiking/running/jogging.

3. Dedicate 45 minutes twice a week to exercise at the gym.

4. Dedicate at least 20 minutes a night to leisurely reading.

Well, my thirty minutes are up. See you next week.