The Holiday Rush is On!

The Holiday rush is on! No, I’m not talking about Black Friday – I’m talking about the rush to keep current on my DVR recordings so that I won’t be seeing Holiday sales ads into March. It is the downside of time shifting your television viewing habits. This same situation occurs close to elections and it is even worse! I hate watching shows long after the election is over only to catch a glimpse of those smear campaigns as I try to zoom through the commercials. It seems like thy just go on forever. Anyway, whatcha gonna do.

Too Many Choices

One thing is certain - fast food isn't fast anymore.

It started out as a great concept - offer a limited menu with items that can be prepared quickly. Get em in - get em out. It was simple and it worked making companies like McDonalds and Burger King a huge success. But then some marketing "genius" decided that they could make things better by offering more menu choices and that's when the lines started. Have you ever been behind the Mom trying to get little Johnny to decide which of the 30 items he would like for lunch? Even grown folks have a hard time deciding what to get with all those choices. And speaking of kids, they used to have one "Happy Meal" with a fun toy for the kids - now they have several to choose from. Honestly, a kid will eat almost anything if it comes with a fun toy. Why hold up the line with all those choices? Don't even get me started with special orders.

Too many choices causes problems in the kitchen too. When you have a limited menu, you can get orders out quickly and efficiently. But having 8 different items on an order makes preparing that order much slower and the margin for error much greater. It takes some time to make a variety of different foods - it has no place in fast food chains. That's why we have sit down restaurants with varied menu options.

Some other marketing "genius" recently decided to start putting several fast food chains in the same building - a trend I find disturbing. Now, not only do you have 30 choices on the Taco Bell menu, you also have 30 choices on the Pizza Hut menu. And in my opinion, these are 2 business that don't even belong together. Pizza takes time to make - Tacos should be fast. Plus, when you walk into a Pizza Hut (on it's own) the smell of the food is fantastic and makes you immediately know you will get exactly what you are hungry for. Same for Tacos. Combined in one building it is odoriferous confusion. I also think it somehow cheapens both brands with the perception that each couldn't afford their own space. I don't like it.

I wish more people were like me. When I go into a fast food place, I already know what I want, and what size. My order should be quick and easy - but some marketing "genius" has complicated even my attempt at keeping fast food fast. Today I went through a Burger King drive thu and ordered a double cheeseburger and small fries - no drink. Just like that. I was then asked if if I wanted "small" fries or "value" fries. What??! After a short confused pause, I said I would like the cheapest fries. This got a chuckle out of the lady taking my order but I was annoyed. How can you make such a simple order complicated? Multiply that one question by the billions served and you add a lot of drive thru waiting time.

Sometimes choice is a good thing, but I really don't think it is when it comes to fast food. I wish we could get back to the days of take it like we make it and "get em in - get em out".

MJ vs JC

They practically crucified Michael Jackson while he was alive,

Now that he is dead they are worshiping him.

Mission

Maybe I've been sent here to observe. Honey, I have seen some things!

Short Stick

Life isn't fair. So if you find you keep getting the short end of the stick, find comfort knowing you are likely the good one.

Over Priced Again

A while back I wrote an article that said market corrections in housing, oil, and other areas of the economy were taking place and we all needed to get used to the new "normal" prices. Here we are, not even a year later with stock prices over 10,000, oil prices on the rise and housing prices starting to inch back up. I think it is happening too fast. The prices of the recent past were over valued and out of control. We shouldn't be hitting those old marks again so soon. To me, this does not indicate an economy that is recovering but rather one that is still broken.

Most personal budgets are very tight and the unemployment rate is still astounding. When people are finally back to work with more money in their pockets, then we should see prices slowly increase. A truly recovered market is one where prices are within the people's purchasing power.

Cross Referenced - Part 3

In Part 1 of this series I described the process of Data Warehousing - where computer systems collect personal data about every detail of our lives. In Part 2 I describe a hypothetical but entirely possible nightmare scenario on what can happen if even a tiny bit of incorrect data gets associated with your computer profile. In this final installment I tackle the question of what can be done about it.

This should be a short article because the real answer is - nothing. There isn't much you can do - the wheels are already in motion and have been for years.

But I try not to write articles without some sort of advice or suggestion. What I'm about to describe is a theory I've been trying but it is certainly something I would NOT recommend. My theory is that if your computer profile is so messed up that it can't logically be correct, then someone - a person hopefully - will have to sit down and try to determine what is real and what is incorrect. Again - this theory is probably WAY off base and I do not recommend it - but this is what I've started doing.

Knowing that almost anything I do is tracked, I started to insert a little bit of harmless misinformation into my data warehoused profile. For example, USA Today won't let me continue to read the article I'm interested in until I complete a very short survey about who I am. So I complete the survey with obviously incorrect information. I'm an 18 year old CEO of a Fortune 500 company making $5.00 an hour. Now can I keep reading? I guarantee that somewhere in the data warehouse world I am indeed an 18 year old CEO of a Fortune 500 company. That information is going to lounge around in my computer profile for years before someone realizes that I should be making more money. I only do this when I am not logged into the site. It is their "cookie" files that will be used to connect this data to me. In my opinion, if that data really does get attached to my profile then it is as dishonest as me providing fictional data.

It is important to note that I never give misinformation on real items or when I am logged into a website. My credit is very important to me and I do not want to mess it up with something that boils down to a pet peeve of mine. But computers work on logic and anything that doesn't appear to be logical will raise a flag for someone to investigate. Maybe if more computer profiles turn up as illogical, it will start to be obvious that this cross referencing of information is dangerous and unreliable. But once more - I don't recommend others do this!

Cross Referenced - Part 2

In part 1 of this series, we learned that powerful data warehousing computers are collecting data about our private lives from the minute we wake up in the morning and check our email, to a numerous security cameras snapping our pictures throughout the day, to where we travel, what we buy and finally what TV shows we are watching. It is all cross referenced with our Facebook, Twitter and other social networking accounts and even our jobs in an effort to provide targeted advertising. All this data collection is big business in the trillions of dollars and for the most part it is harmless and maybe even beneficial to our society - until something goes wrong.

But what could go wrong? You live your life honestly, pay your bills on time and mind your own business. Well let me explain how easily it is for something to go wrong and how extremely difficult or impossible it is to fix.

I don't even know where to begin - the possibilities for personal disaster are so numerous. Lets start with something simple. Why do I, as a single male, get email advertisements for breast enlargement? Shouldn't all this targeted advertising keep that from happening? What likely happened is that I bought yogurt or some other item deemed a woman's product at the grocery store and used that little scan card that cross referenced back to my name and address. Now suddenly I might actually be a woman. OK - big deal, I can delete that email with a snicker - no harm done. Its kind of funny really, if you take one letter out of my name it could even be a common woman's name.

Later that day I'm on the phone crossing the street and a security camera snaps a picture of me which isn't particularly clear. Somewhere in the world an alarm shows up because someone of importance has just been identified by the face recognition software used on that camera. Computers are churning, files are accessed, reports are filed and I am suddenly in big trouble. What just happened? Well it seems Denise had some big financial problems for a while now and is in trouble with the IRS and several other big financial institutions. But what does that have to do with me? My name is Dennis - a man with no credit issues. Not according to the data which shows very clearly that I am a woman - after all I do watch a lot of TV programs on the Lifetime channel. My cell phone number (based on my location) now gets cross referenced with Denise. Computers continue to churn and within seconds all of my information is cross referenced with Denise including my address and (gulp) social security number. A blip shows up on the IRS computer indicating a conflict of 2 social security numbers so a person or computer makes a decision on which is the correct number using other information in the account - but they choose the wrong one. By the time I finish crossing the street and go into the store to make a purchase, my credit card is already flagged and disabled. The credit nightmare begins.

Maybe it sounds a bit far fetched - like a science fiction movie staring Tom Cruise (and I realize this hypothetical story has a few "holes" in it). But folks - sadly this type scenario is entirely possible with this dangerous practice of data warehousing. It takes only one small piece of incorrect information to immediately change who you are in your computer profile. In the hypothetical scenario above I may have received a notice from the IRS and after a bit of explaining and verifying of data they would have fixed their records and all would be well.

Not so fast! Don't forget that this incorrect information was transferred to hundreds or maybe even thousands of other computers and databases. Just like a computer virus, erroneous information gets copied from computer to computer faster than the speed of sound. Fix it on one system and that still leaves thousands with incorrect information. This type of situation would likely haunt both me and Denise for the rest of our lives, interfering with credit or even just setting up a web page for a business. It is a nightmare that has already happened to many good people. In fact in this article I wrote just days ago I explain how this cross referencing of data has virtually disabled my home telephone.

So what can we do about it? Continue on to part 3 in this series.

Cross Referenced - Part 1

Ever wonder why you need to have one of those little scan cards at the grocery store in order to get discounts? Its because your name, address and phone number are associated with those little cards and each time you buy something it is logged, analyzed and cross referenced. That data is used to help the store monitor your buying habits so they can send you coupons and "targeted" ads for things that you might be interested in. Its called Data Warehousing and the example above is the nice part of it. But there is a big dark ugly side to this practice that not only violates your privacy but can also make a lot of trouble for you. I'm going to break this topic down into several articles. This one addresses how and why they get your information.

In recent years, computers have gotten very inexpensive, powerful and capable of recording and analyzing massive amounts of data. The grocery store scan card mentioned above is just one of many ways your information is collected. Have you signed up for a drawing to win a trip or some other contest? Did you purchase anything using a personal check or credit card? Do you have one of those gadgets in your car that automatically collects your toll and deduct it from your account? Did you give to your church or a charity? All of these things can be tracked back to your name and address. But those are the obvious ones.

Did you know that your TV DVR is constantly reporting what shows you watch to the TV networks? They use this information for their rating process and again for targeted advertising. Your cell phone calls are likely tracked and because they use a network of cell towers, they know exactly where you are when you made that call. Those toll plazas on the freeway are not only deducting the toll from your account, they are also silently taking a picture of your car and license plate. There are security cameras in the stores you visit, parking lots, churches, parks, intersections - basically everywhere. And all those cameras are able to use face recognition technology to pick you out of the crowd and identify you with an amazing degree of accuracy.

Your computer is also helping a lot. There are little files called "cookies" on your computer that are silently recording every website you go to, when and how often. If your computer isn't protected properly (and maybe even if it is) it is possible that every keystroke including account numbers and passwords could be recorded. Social networking sites like Facebook, Myspace and Twitter not only collect your data but cross reference it with your relatives, friends and, too often, total strangers. So maybe you are paranoid and don't even use your computer at home thinking you are more safe on the computer at the office. Perhaps, but it is likely that now they also know where you work and all the information associated with your job, your clients, your income bracket your retirement savings, etc.

So that is a lot of information being collected on you each day. All of it is being cross referenced by powerful computers all over the world trying to figure out what type of a person you are. They want to know what you enjoy, what might you buy, what charity might you support, where you might travel, how much insurance you need, what you can afford. The result of all this data collection is the ad that pops up on your computer for exactly the kind of car you were thinking of buying. Or the coupons that arrive in your mailbox for just the things you were going to buy. Or that insurance policy that is expensive - but just within your tight budget. Its all about trying to know who you are by what you do.

So what is the big deal - they know a lot about you - but you are a good person and don't have anything to hide - right? Plus, it seems logical to target advertising money to people who actually might buy your product. And you don't want to be bombarded by advertisements that don't mean anything to you. Yes, it all seems harmless and logical - until something goes terribly wrong.............

Stay tuned for part 2!

My Phone Has Bad Credit

I receive constant messages from credit collectors on my personal home phone. Oh they are not calling for me, I have somehow always managed to pay my bills on time and have a credit rating in the 800's. So why is my phone ringing all the time? Well, it seems I've had a few past roommates and apparently even neighbors that have some credit problems that somehow are now my problem. All my past roommates have had their own phones and didn't use my number - yet I get calls daily for these people. Why???

Even though I am registered on the "Do Not Call" list it is somehow legal for other people's creditors to call my personal phone and harass me. Worse - its not even people calling most times - but "robocalls" from computer systems over, and over, and over, and over. My home phone line has been rendered useless for me due to this harassment.

Now I ask you, if folks with credit problems don't answer their own phones, what makes collectors think they will answer mine? Has this ever worked??! Am I supposed to call these people or computers back and give them information on people I haven't seen or heard from in years? right.

Now let me be firm - you do NOT! have the right to call my number looking for someone you have cross-referenced to my address. We need a law that says you may only use the contact information listed in that person's account. If they don't answer their phone or email (surprise!) you are out of luck. A better solution than harassing me is to find some other account under that person's name and arrange to have it disabled. Maybe then they will call you back. But please, leave my phone alone!!!

Wow again!

As a Gay American - I am so very proud of President Obama! If you didn't see the speech to the HRC - please read it as soon as you can. It is important, not only for gays, but for all Americans.

Caught in the Reform

Its just my luck that I would get caught up in all this health care reform mess. In order for me to accomplish my long time goal of a cross country bicycle ride this summer, I was forced to resign from my job because my company does not give leave for personal reasons such as this. I was offered a COBRA health policy but it was unbelievably cost prohibitive. So I was forced into the nightmare of shopping for a personal health policy. The choices were numerous, confusing and costly. Anything that was remotely affordable included very high deductibles and no prescription coverage. Since my bicycle adventure was a potentially dangerous feat, I finally purchased just such a policy - after all, it would only be temporary until I returned to my former job.

Two days after my departure, my former employer declared Chapter 11 Bankruptcy and many people lost their jobs. All those unfortunate co-workers were now in the same situation I was in. The Bankruptcy proceedings were completed just before I completed my journey. Fortunately for me, someone in my old position (but on 3rd shift) wanted to voluntarily leave and so I was able to get back to work (with a substantial pay cut). But because of the bankruptcy, the company was on a hiring freeze and I was forced to work as a contractor through an employment agency with no benefits. I decided to retain the health policy I purchased. The agency I am working for then offered a group policy for less than what my personal policy cost, but also includes high deductibles. That group plan also includes prescription coverage so now I'm applying for that policy which won't be effective for almost 2 months.

Through all this mess I've had to listen to angry mobs in Town Hall meetings scream about how there is nothing wrong with health coverage and there is no need for a public option. These people are likely in a solid job with a good group policy. But there are problems - big ones. Thankfully I didn't have a pre-existing condition which would have further complicated my situation. I can tell you with certainty, if there were a public option for health coverage, I would have taken it. It is needed.

Ants

Has anyone else noticed that ants seem to be taking over the world? I thought maybe it was just a Florida thing but they were everywhere on my trip across the USA this summer. It is amazing to me how something so tiny can be really big when they all work together. They would get nothing accomplished individually. I guess there is a lesson we could learn from ants - before they totally destroy us.

Just Do It

It seems clear at this point that there can be no good compromise on health care reform. Republican suggestions at compromise completely take out any reform from the issue and protect the out of control profits of insurance companies and medical care. There is no regard for people in their plan - only profits. This is politics at its worst.

The issue of health care reform is so important in my opinion that I would rather see the Democrats lose the next election than bow to a compromise that does not achieve real reform. I think President Obama should take the bold step to make these changes as proposed with the public option even without Republican support. If possible it could be done with an Executive Order - done - period.

This action would be wildly unpopular for Republicans and even some Democrats, but the result would be real change. It may cost the Democrats the next election but would save lives, costs and the integrity of the Democratic party. This is no different than ordering a war against the will of most of America as President Bush did. But in this case it would save countless lives rather than kill countless people. President Obama was elected on the hope of change. Keep the hope alive - even if it may be unpopular. History will show it was the right thing to do.

Rescue a Child

Many precious and wonderful animals end up in shelters or pounds every day, but thanks to the kind hearts of good people many of these animals are rescued and become part of loving caring homes. I myself have rescued 4 dogs so far and they have been unbelievable companions and a big part of my "family".

What puzzles me though is why we don't show the same respect and love for children who also end up in shelters and orphanages every day. When couples find they are unable to conceive a child, they resort to all sorts of expensive fertility testing and sometimes ethically questionable means of artificial conception. Meanwhile, young human beings spend their entire childhood homeless and unloved. Why can't we show the same respect for children that we do for animals? Even gay couples go to extremes to have a "mini them" running around. I think it is tragic and selfish.

In my opinion, every fertility clinic should require their patients to first visit an orphanage before any procedure can be performed. Let the people see that there is another option - adoption. Maybe just seeing a child who needs a home would make some of them change their mind. Perhaps their precious child has already been born.

I believe childless couples, gay and straight, are part of God's plan. There will always be homeless children for many reasons. Rescuing a child should be the first choice.

Why does the word "Chipotle" bother me?

I Had to Ask

On my bicycle trip across the USA this summer I talked to a lot of the good folks who live in rural parts of the country. My opinions were often very different from those I encountered and so I stuck with a "smile and nod" technique. I listened because I was very interested in the way they saw the world, but I kept my opinions to myself. One day though, I just had to ask.

My route passed through a very small town in Wyoming - population 2. I stopped there, in the middle of nowhere, to get a bite to eat in the cafe/bar/post office/store - which was all in one small building. While I was eating my surprisingly good cheeseburger, I chatted with 1/2 of the population - the man behind the counter. The TV was on and tuned to Fox news (of course) and the elderly man scoffed in disgust at what he was hearing about the Presidents plans. He started saying how it won't be long before someone at the grocery store would start pulling things out of his cart that he wasn't allowed to buy. I was amazed at how angry he was - especially based on the benign topic that was actually being discussed on TV. I couldn't hold my tongue. I ask him did he really think that would happen - that someone would be telling him what he could or couldn't buy at the store? He replied in all seriousness that he absolutely believed that would be the case. I decided I better go back to my smile and nod rule.

I wish I could say this was an isolated incident - that not all people in rural towns are so out of touch with reality - but I heard it over and over again in the cafe booths next to mine. Their opinions seemed based on a total lack of information on the facts. Either they hadn't heard the facts or they chose not to believe them. The scary part is that these are the people who actually vote while, sadly, lots of people who do have the facts choose not to.

I share this story because I truly wish there was some way to get all the people to hear the same story. People will always have their own opinions and that is good. But the media we have today is often so skewed and dangerously misrepresents the actual facts. The town hall meetings are a prime example. Folks are yelling and screaming about "death panels" and "socialism" without knowing one single word about what is actually in the bills being considered. They heard it on Fox news so it must be true.

I know you are busy America, but you must do some research and verify what you heard before you make an opinion - and especially before you vote. Please!

Mistakes?

If we compare President Obama to President Bush, it seems he has made 2 big mistakes since taking office.
1. Honesty
2. Accountability

On point #1, President Obama has lost some poll support because he has been forthright with the American people about how long some problems may take to fix. He has also been straight with the people about the sacrifices that we may have to endure to turn some situations around. The Bush admin would simply say nothing is wrong - go back to the mall. Obama's honesty may have cost some poll numbers, but at least we know what is going on.

On point #2, some Americans are screaming about how much all this government intervention is costing the taxpayers. Perhaps they would be less angry if we just left those costs out of the budgets the way the Bush Admin left the costs of the wars out of the budgets. Folks are angry because they know - the way they should have known how much those wars were costing.

Oh, and have you seen the protests going on at the town hall meetings? You never saw that with the Bush team. They only gave speeches in front of supporters. The Obama team seems to be letting everyone in. In my opinion, the arguments are healthy and every citizen should have the right to attend and voice their opinions (calmly).

Where Is My Soap Box?

I have been quiet for several months due to my fantastic bicycle adventure. On this trip across the USA I was pretty much shielded from the daily news except for an occasional TV in a Burger King. From what I gathered, there were really only 2 news stories this summer - Swine Flu and Michael Jackson. At least that was all I heard.

Talking with folks in rural America, I had many topics that would have fit well in this blog but I decided to just hold back until I returned to my "normal" life. Now I have so many topics swimming in my hollow head I don't even know where to begin. But I do know where I won't begin and that is on the topic of Health Care Reform. I'll get to it later but the whole thing is just crazy!

Yes, it seems the public is still revolting - so I am obliged to put in my $.02.

TV Slackers

Why can't the folks on TV work the same schedule as everyone else? They only make about 10 shows and then they just keep repeating them over and over. The fall schedule doesn't start until late Sept. and we are already getting repeats by November. Then they don't bring back new episodes until late January and by March we are back to repeats again. Even the "live" shows I enjoy like "The View" and "The Daily Show" take very long breaks over the Holidays, Spring Break, the entire Summer and some Long weekends. These people get paid loads of money for working only a few hours a day anyway. I would expect a repeat on a Holiday weekend or maybe a vacation week but we should get new episodes every day, just like we have to go to work every day.

And here is the thing that really irritates me. The entire cast on "The View" (and other shows) all do other projects on the side! If their production schedule is so grueling that they can't do a full week of live shows, then how do they have the energy to do side projects? I feel cheated.