Coffee heat rising

Truth, the highest thing that man may keep

If you’re here to read “Truth” for FMF’s “March Madness” competition, please remember to vote at Free Money Finance’s site, not in the comments here. 🙂

Why, when we’re confronted, do we tend to blurt out the truth, even when it works to our disadvantage to do so? Chaucer had it right when he said “truth is the highest thing that Man may keep.” Sometimes we should keep it to ourselves.

Asked in the right way, we’ll often reveal private, sensitive information that’s strictly none of anyone’s business, that’s valuable to people trying to manipulate us into buying products and services, and that can be used to pester or even harass us, in some cases handing over Medicare and other personal information to convicted felons. Warranty cards with long lists of personal questions are especially egregious: what about your favorite sporting event and the magazines you read is needed to guarantee a flashlight’s performance? And how often do you give your phone number to companies that have no need to know it?

When my mother was young, back in the Early Pleistocene, she worked for the telephone company. Long-distance phone tolls were a pricey, money-making item, and people would try all sorts of scams to rip off a free call, ranging from disallowing calls they actually made to charging calls to someone else’s phone number. My mother’s job was to investigate claims of fraudulent charges. To get started, she would telephone the number that a customer said didn’t belong on a bill. When someone picked up the receiver, she would say she was calling from Pacific Bell and then quickly ask who called that number on thus-and-such a day at thus-and-such a time.

Incredibly, she said, about 90 percent of people would blurt out the truth. When you’re asked a question you don’t expect, point-blank, you’re likely to answer accurately even if the answer works against you.

In a general way, ethical people tell the truth. On the other hand, those who commit petty larcenies like stealing from the phone company are not ethical…and so why should they, by impulse, speak truthfully? It’s a deep-seated instinct, one that in the marketplace is too often used against us. Information we share for no other reason than that some stranger asks us is routinely sold to other merchandisers.

Yesterday when I went to get a flu shot at a grocery-store clinic, I was asked (among other things) for my e-mail address and telephone number. I left the e-mail address blank, figuring that if they pressed me I’d say I don’t have a computer or give them my junk gmail address. But under the mild stress of having to get another shot (I really do dislike injections of all kinds), I completely spaced the fake phone number I normally use in some circumstances. Well…actually, it occurred to me that if something was wrong with the vaccine they might need to call, so I gave my office number.

I immediately regretted it. The exception to the national Do-Not-Call Law allows companies that you do business with and all their subsidiaries to pester you with phone solicitation. So now I can expect nuisance phone calls not only from Dr. Mollen’s health-care enterprise, but from any other company even vaguely related to it.

Okay, I’m not advocating that we should routinely lie. However, I think when marketers try to extract private information for which they have no use other than to sell it or to sell something to you, you’re well within your rights to refuse to share it. And when pressed, to respond with disinformation. For example, I have a phony telephone number printed on my checks. No law says you have to tell a merchandiser the truth, nor is there any need for a retailer to have your phone number for no other reason than that you paid for a product with a check. If the check bounces, the bank will come after you.

Similarly, my Safeway club card bears my dog’s name and the telephone number of Safeway’s corporate offices.

Some retailers will themselves lie when you ask not to have a phone number used for solicitation. The first time I bought an appliance at Sears, the salesman asked for my number so the installer could call to make an appointment. I specifically stated that I did not wish to receive sales calls, and he specifically stated that my number would not be used for phone solicitation. He said he was entering a do-not-call note in the database. Within days, I was getting nuisance sales pitches from Sears. Requests that they take me off their list were ignored. It took weeks to get them to quit badgering me, and they only quit after I complained to a state consumer protection agency and the Better Business Bureau.

Big Brother is watching you, but unlike Orwell’s nightmare vision, he ain’t the government. Big Brother is the corporate shadow government, the one that follows your every step on video cameras and keeps tabs on every magazine you subscribe to, every prescription you buy, how much you earn and where you earn it, and every deep breath you take. You’re well within your rights to protect your privacy. Remember, with the exception of some financial institutions, the courts, and the IRS, no law requires you to answer a nosy question.

Image: Truth (1896). Olin Warner (completed by Herbert Adams). Left bronze door at main entrance of the Library of Congress Thomas Jefferson Building. Photo by Carol Highsmith. Public Domain.

Why you should become a teacher

Here’s something that just came in from a student I taught a couple of years ago when I was doing a little “noonlighting” at the Great Desert University’s West campus—thought you might all get a smile from it.

I used to say that journalism is more immediately rewarding than teaching because you very quickly have something in your hand about which you can say “I did that!” It can take many years to see what effect, if any, you might have had on a student.

The project the student describes is a proposal. Classmates were asked to write a real-world proposal for a real, doable project, addressed to a living human being or group (not their instructor!) in a position to make it happen, and to argue convincingly why and how it can be done.

Every now and then we make a small difference in the world, eh?

—–Original Message—–
From: Stephanie Estudiante [mailto:hermail@gdu.edu]
Sent: Sun 9/20/2009 8:32 PM
To: Funny about Money
Subject: Proposal

Professor—

I was in your ENG301 class a few semesters ago. I thoroughly enjoyed your class and still work constantly to hone my writing skills. Just a couple of days ago I received a letter that the proposal we wrote (as a project in your class) was a success, and Discount Tire Co. made a very nice donation to the Foundation for Blind Children. While it certainly took some time to move through the system, I was very pleased with the result. I felt especially happy for the Foundation, as I know its needs are great. But I was also quite proud that my work produced a really worthwhile result. So, if ever a student questions whether the skills being taught in your class will be useful in the real world—I would say resoundingly—YES. I just wanted to let you know.

Thanks for a great class!

Stephanie Estudiante

The Foundation for Blind Children’s home page is here.

Would you like to congratulate Discount Tire for this excellent moment of corporate philanthropy? Write to them here:

Discount Tire
Corporate Headquarters
20225 N Scottsdale Rd.
Scottsdale, AZ 85255-6456

“New” car heaves into view

Honda_Civic_SiM’hijito has been driving a decrepit wreck ever since some teenaged brat crashed into his parked Camry in San Francisco, totaling that beautiful car and two other vehicles. The amount her insurance company paid him came nowhere near enough to buy a comparable car, and so he ended up replacing it with a sporty-looking but aged four-banger convertible with a leaky roof and shredding plastic seat covers.

Although the car runs, we suspect that at any time it’s going to fall apart like the Minister’s One-Hoss Shay. Wind whistles in through the splits and cracks in the roof and around  nonfunctioning side windows, which is just as well, because the natural blow-dryer effect helps to dry out the rainwater that seeps in with every light sprinkle.

Recently one of his dad’s partners surfaced with a 2002 Honda Civic that he’d like to unload. It belonged to the man’s son, who has gone off to fight in the Middle East. Despite a a fender-bender in its past, it appears to be in good condition, and the guy is willing to sell it for $5,000. With only 64,000 miles on the odometer, that’s a bargain: the Kelly Blue Book private seller price is over $8,200. And it gets a cheering 30 miles per gallon!

In his heart of hearts, M’hijito craves a Toyota pick-up, the better to fulfill the labor-intensive role of the Happy Homeowner. These babies, however, are pretty pricey even in older models. And they are so beloved by their owners that a decent used Tacoma rarely comes on the market.

The little Civic is such a bargain and such an improvement on the clunk he’s driving around, he’s about decided to buy it. It seems like a smart move. He can always borrow my Sienna when he wants to tote things around or if he wants to go on a road trip or camping expedition. I’d love to drive a 30 m.p.g vehicle for a few days!

😉

Images:
Honda Civic, Public Domain, Wikipedia Commons
Toyota Tacoma, Public Domain, Wikipedia Commons

Tasty fig morsels

At Costco last weekend, M’hijito and I came across some lovely ripe figs, packaged (as usual) in lifetime-supply quantities. He suggested we split a flat of the things. And then he described this wonderful little treat:

You need

Ripe whole figs
As many slices of bacon as figs
Honey
Feta or other goat cheese

Wrap each fig with a slice of bacon. Fry gently until the bacon is cooked to your taste. Arrange on a plate and drizzle with honey. Garnish with goat cheese.

I tried this for an after-church brunch Sunday morning. Awe-inspiringly delicious!

Because I had no toothpicks and the little metal skewers in the drawer seemed likely to scratch the pan’s nonstick surface, I used cotton string to tie the bacon onto the figs. If you use toothpicks, remember to remove them before serving, so no one gets poked!

Living within your means is good for the economy

This Sunday’s New York Times Magazine ran a letter to the editor by Economics Professor John Lunn and Accountancy Assistant Professor Martha LaBarge, both of Hope College, Michigan. The letter comments on Paul Krugman’s article in the September 6, 2009 edition, “How Did Economists Get It So Wrong?”

In their letter, they note that historically, some “bubbles” never led to recessions, and they add this interesting remark:

The market system works well most of the time. Perhaps a key factor affecting whether a shock to the system or even “irrational exuberance” leads to a serious recession is the level of buffer stocks held by households and firms. When savings exist and debt levels are not inordinately high, the economy adjusts to a shock. But when debt levels are high and savings low, the bursting of bubbles in houses and equities can turn into a severe recession. (My emphasis)

How much more dead on target can you get?

This is exactly what I’ve been trying to say for lo! these many months: living within your means, refraining from purchasing objects and services that you don’t really need, and staying out of debt not only do not harm the economy, as steady long-term habits they actually benefit the economy.

A major contributing factor to the late (we hope), great deprecession was that far too many Americans took on far more debt than they could repay. Innocent of the potential consequences of the many questionable loans that were offered, people were led to pay more than properties were worth through loans whose ballooning payments they couldn’t hope to cover even if they had not lost their jobs. Not only that, but they were up to their schnozzes in credit-card debt and car loans.

Had the average man and woman on the street taken a more realistic view of their lifestyles, had they been spending no more than they earned, had they restricted borrowing to instruments whose terms and balances they could reasonably handle and to lenders that do not charge usurious rates, had they been setting aside adequate funds in savings, even the run-up and collapse in housing prices might not have pushed the economy into a recession as profound as the one we’ve been experiencing.

This brings me back to my basic thesis: Frugal living is not just the responsible thing to do. Frugal living is patriotic.

Image: Public Domain. Wikipedia Commons.

You need to know about this one: Corporation harasses blogger

An outfit called MonaVie, which markets exotic berry juice purported to fight aging, peel off pounds, and do wondrous unspecified things for your health, is suing Lazy Man and Money for daring to write a review questioning its product and its sales strategy. The claim the company makes is that merely typing the MonaVie company name and putting it in the post tags infringes MonaVie’s trademark.

This is clear and present intimidation and a blatant attempt on the part of a corporation, MonaVie, to harass an independent writer for exercising rights of free speech guaranteed by the U.S. Constitution and, in the bargain, to cast a chill on every American’s right to comment honestly and frankly on products and on the marketing strategies used to promote them. It is not, by the way, against the law to mention a product’s name in a published work, and a strong argument can be made that placing a product name in a post’s metadata in no way infringes upon the trademark. In fact, the argument that it does so is laughable—we can be sure the first judge who sees this action will laugh it right out of court.

Here’s what we need to do, my friends, to protest this outrageous infringement on our rights as U.S. citizens and as writers.

First, please go here:

Lazy Man and Money, MonaVie Scam

then here:

Lazy Man: MonaVie Is Trying to Sue Me

and here:

Lazy Man: MonaVie Sends a Second Cease-and-Desist Order

and here:

Lazy Man: MonaVie Employee Calls Me an “Annoying Douche”

And finally, read this:

Consumerist: MonaVie Hits Blogger over Trademarks in Metadata

Then, assuming you have a blog or website, as Brip-Blap and The Consumerist suggest, fearlessly link to all of these articles. Let them sue us one and all!

Never fear: it is not illegal to utter a brand name. MonaVie is not G-d, and even if it were, it’s still not illegal to utter the word “God.” At least, not in America. If you’re concerned that the company’s absurd claim about metadata might, by some wild stretch of the imagination, have validity, simply refrain from using the name in your title, in your post tags, and in your SEO plug-in.

Feel free to copy and paste this entire post to your site. Funny about Money hereby relinquishes all copyright to this post (“You need to know about this one: Corporation harasses blogger”) and releases it to the public domain. Splog away, everyone!