I hate stupid people....

Now before you run off and call me an elitist or a snob realize that I'm referring to those who continue to hold outdated and prejudicial views.  

Such as those that have a nasty habit of blaming the victim.

I've included just such an exchange with what I consider to be a charter member of the "stupid people" group.  The topic is predatory lending specifically as to how it relates to the 2008 financial crisis.  

What follows is the unedited exchange....

Stupid Person...

Dumb people making dumb decisions. They should have read the fine print. They should have a good job and a good set of skills so that if they lose their current job by no fault of their own they can find a new one without too much trouble. If you do not have at least these things, you should never consider taking on a mortgage. 

And yes it is shitty that banks gave these mortgages out anyway, but the information is not misleading. At the time of things like Fannie the fine print was still given to the buyer in full. While it may be legalese, that is what lawyers and accountants are for. The banks are happy to give you credit even if you won't pay, and they are perfectly happy to give you all the terms and conditions. There is no serious wrongdoing here except for the buyer being negligent.

Less Stupid Person ( ME ) ....

Thank you Bernie Madoff....

That's the "They deserved to be F'd because they're stupid argument" 

You're making a hell of a lot of assumptions there. Like assuming that everyone out of work or underemployed are stupid and lack skills. Never mind that many skilled and professional jobs have been shipped overseas leaving people with a whole lot of debt and nothing to replace the income. As for the fine print, you literally would have to have a Juris Doctorate degree to understand every term and condition. I suppose you read every word of every EULA you click "accept" to in that case. Good luck getting anything done. 

It's called predatory lending for a reason. There was a time when you could trust your banker, lawyer and even your doctor to do the right thing and give the right information. Now it's all about padding profit margins and when banks started using their deposits as gambling money on wall street speculation...well....all bets were off. You can't trust a banker any more than you can trust a used car salesman so whom are you supposed to seek guidance from? 

Do you think a 25K a year guy with a wife and 2 kids is going to be able to afford 300/hr for an attorney to look over every line of a mortgage? Most people were sold a bill of goods and they believed it because somebody told them that the "pros" would never lie to them. If it were just simple interest that's one thing but try to explain amortization and compounded interest to a bunch of people left behind by a public education system that barely teaches them to tie their shoes. 

In a culture of desperation it's easy to leave your skepticism behind when the "pros" are telling you otherwise. Your admonition of "good job and good set of skills" doesn't fly anymore and it hasn't for 30 years. You're assuming a level playing field and it's not. If you think it is, I've got a bridge to sell you in New York...

Thoughts on all the recent violence. Terrorism or otherwise

Nice France

Baton Rouge Louisiana

Dallas Texas

Terrorism, Racial Inequality, Fear.

I wish I had some profound insights to share but I don't.  I'm just a normal guy trying to make his way in the world.  So aren't we all.  

I'm sure you've felt some of the same frustrations as the perpetrators of these horrendous crimes but you dare not express them lest you be labeled a radical sympathizer.

Is Western society far too enamored with money and power?  Does it elevate the inconsequential above social responsibility?

Of course it does.  

Do we judge others based on what we know or the rhetoric we find most convenient to our own bias.

Do the people we trust with our safety view us as their wards or potential adversaries?  Sadly your complexion has an effect on that judgement.

Too  many labels: Black, White, terrorist, racist, capitalist, rich , poor, smart, dumb.

We become prisoners of our cultural indoctrination.  Threaten the construct at  your own peril.  The wrongs of the world are caused by the other guy.  The one that doesn't look like us, doesn't pray to the same god, doesn't see the world the way you do.

It stokes a fire of frustration that becomes a blinding rage.

I'm no better than you.  I have my own biases and prejudices and I confess I don't know as much about the world as I should.  

What I do know is that the more you try to control the world the looser your grip on it becomes.  

When you create a culture of denial your reap what you sow.  When you disenfranchise others for your own benefit civil discourse becomes impossible.  


This is how Dallas, Baton Rouge, Nice and Paris happened.  This is also how 911 happened.  

I shed no tears for Osama Bin Laden, Saddam Hussein or Micah Johnson.  I see them as bloody opportunists seizing the message of the disenfranchised for their own ends.

It's what politicians do just without the guns and bombs.

When your message is one of exclusion and your world view narrow and unyielding you create an incubator for terrorism and violence. 

Yes, the perpetrators are guilty of their own crimes but we have to take some responsibility for the environment that created them.  

There's always a catalyst, a spark, something that lights the fire.  Ignorance and indifference only fans the flames.  

Even Adolf Hitler didn't rise alone like some biblical Anti-Christ as some would have you believe.  He too was an opportunist taking advantage of the disenfranchised rage of a country on the verge of collapse.  

We're far too content with the superficial.  We want a bad guy to blame so we don't have to take any responsibility for creating him.

Worse, the world we live in thrives on the superficial.  Social media, 24 hour news cycles, news delivered by "personalities" without even the suggestion of objectivity.  

The message is controlled, massaged and pre-packaged.  We're spoon fed copious amounts of useless information.

We think activism is best accomplished by a Tweet or Facebook like. 

As though a click will end hunger, oppression, and economic disparity.

People are not being heard unless they make it into the news cycle and then only the most radical.  Is it any wonder with such low information that we think every Arab is a terrorist, Every Black man a criminal, Every Latino an illegal immigrant.

We caused this.  We created this environment and it will continue unless we acknowledge our complicity in it.  

They say we should create the world we want to see.  Creation requires knowledge.  Unfortunately, what we consider knowledge is often little more than packaged diatribe.  

The way to fix it?  

Ask the uncomfortable questions.  Challenge your mental status quo and see if there isn't a whole world you've been missing.

You can't escape the experiences your life has shown you but you can escape the ignorance.

Taking the Human out of Human Resources

There's a lot of fear in the job market these days and most of it stems from a disturbing tendency of employers to treat candidates like some kind of trade-in at Honest Bob's car lot.  I'll give you some analogies (of course) to make my point a little more clear...

• I sell Trucks, they're trying to trade a motorcycle! - Does this person even fit the job?
• How many miles, Condition? - Are they too old or are they going to drive up my health insurance costs?
• What kind of options does it have? - Do they have all the skills and experience I need or do I have to train them?
• Show me the CarFax! - Anything in their past I can use to lowball the offer or exclude them entirely?
• Market value? - I want to get this guy/gal for as close to free as possible.

In the private sector it's no surprise.  In theory, removing intangibles and non-sequitur from the process should create a more level playing field.  It's also more efficient which plays well with the bean counters.

But it can go too far...

It's one thing to use objective criteria  to thin the herd but that's where its usefulness really ends.  We all understand that no employer wants to interview 100 burger flippers for a structural engineering job.  However, a potential candidate shouldn't be excluded by a process that's left to HR departments that have no idea of how to vet a potential hire.

We're coming back to the real point here. 

Today's work environment is frequently populated by underpaid and mostly disinterested workers.  There's no denying it in spite of the all the stock photos of happy faces populating the company HR page. 

We live in an age of stagnant wages, dwindling benefits and a slow erosion of worker rights.  Let's not forget the almost total lack of job security.  Even CEO's can't guarantee their tenure but then they've got a lot softer landing than the rest of us.

So don't expect a lot of that "personal touch."  You're just another resource to be evaluated, a commodity.

Which is a problem.

When you reduce talent to their lowest common denominator you end up missing a lot of important information to help you make a decision.

For example: A top notch engineer could be cut from consideration because of a bad credit record, a visible tattoo or if they happen to smoke.  HR pundits ( yes they exist) will offer up excuses like:

• A bad credit history reflects on a lack of responsibility. 
• Tattoo's cause issues with workplace culture
• Smokers drive up insurance costs and take too many breaks. 

None of them have anything to do with the quality of the candidate but more often than not they're used as screening factors.  The justifications are hollow but there's no point in challenging them.

It's the result of a process cut to the bone and borne out of a systematic devaluing of the Human in Human resources.  
The only advice given to the job seeker? 

Bend over...

Yeah, no big long flowery mental masturbation there.  That's the bottom line. 

Because you as the candidate have no value outside of the factors of a commodity you must focus on the irrelevant.

Look sharp, clean up your social profile, quit smoking, pay all your bills on time even if you're broke and without exception, never have been sick.

That's an awful lot of time spent on things that have nothing to do with your ability to actually DO the job.

Here's a posting for a VERY entry level job.  It's a good representation of what I've been talking about.

Flier Delivery (NOT door-to-door) Team Needed (East Valley, AZ)

FLIER DELIVERY TEAM NEEDED TO DELIVER TO EAST VALLEY SCHOOL DISTRICT SCHOOLS

What: Team (of 2) needed to drive to elementary & middle schools to deliver fliers for after school programs. (One driver & one delivery person per team)

What we are looking for in a delivery person: *GREAT personality a MUST! *Be able to effectively communicate with school secretaries *Must be able to present a clean cut look with business casual attire.

*No visible tattoos or body piercings
*Non-Smoker *Clean Background Check

What we are looking for in a driver: *RELIABLE transportation (with room for boxes) a MUST! *Proof of Insurance *Know the East Valley well! (especially school districts) *Clean Background Check *Clean Driving Record.

*Able to lift about 60 lbs.

Deliveries start right away! Hours will be Monday-Friday, approx 8am-4pm (when schools are open) We give preference to drivers with GPS or navigation systems.

This is NOT a sales position, but sales experience & driver). Driver & Delivery Person need to have a positive personality &
"personality" a ++. We offer $11/hour (per person) + mileage (for the professional attitude. 

Our Teams represent ***************of America to the schools, clubs, churches & districts that support our programs.

Some familiarity with *************** is WELCOMED

Ok , this is about as low on the totem pole as you can get but the takeaway is this: The same selection criteria is becoming commonplace regardless of industry or position.

Entry level jobs usually suck, that's a given but at some point along your career path you would expect to be given more consideration than some kid handing out colorful pieces of paper.

Sadly, you'd be wrong.

The reality of today's interview process is cold and impersonal.  You'll frequently hear catch phrases like, "Culture fit" and "Self Motivated" which translates to "anything we can legally discriminate against" and "doesn't ask a lot of questions."

It's only going to get worse before it gets better.  For now set the bar low and you might just survive it.

Just be sure that you can accept how employers see your value.  These days the demands of work will monopolize more of your time than family or friends and the higher up the food chain you go the worse it gets.

Remember, the price of potatoes is based on their current market value which can fluctuate with demand.

So, are you worth more than a potato?  You might be surprised.

The value of the written word or are you smarter than an 8th grader?

Lately I've become aware of two schools of thought on blogging.  One says it's just an overblown diary of regurgitated diatribe while the other holds it up as the purest form of writing.  Funny thing is, there's merit in both opinions determined entirely by whose stuff you happen to be reading.

The question I have to ask myself is:  Does the value of the work depend on popular opinion or the actual quality of the content? 

Take the example of a textbook.  It can be invaluable in teaching you a new skill but you can be certain it will never make it to anyone's bestseller's list.  On the other hand, the most popular book in the world still happens to be the Bible.  The value of which is debatable depending on whether you think it should be shelved in Fiction or Non-Fiction.  I'm not touching that one...

The point is, nobody ever raved about their favorite textbook.  It's full of cold, boring facts arranged in the most uninteresting and tedious manner possible.  No fun. 

If you're a Boomer whose outgrown Harlequin Romance novels, however, "50 shades of grey" is on par with Hemingway. 

It's said that a good writer writes to their audience, nothing more, nothing less.  To do otherwise dooms you to perpetual anonymity.  So it's not enough to "know thyself", we have to know everybody else too. 

Considering the literary company "50 Shades of Grey" keeps, it's unlikely to end up on anyone's list of great classical literature.  E.L. James, however, knew her audience and has found great success because of it.

But does 65 million copies sold worldwide make her work any more relevant than the heartfelt musings found in a blog about the daily struggles of single mom?   What about the cancer researcher whose passion to find a cure finds an outlet in her blog?  Is this work any less deserving of attention because it doesn't cater to our lowest selves?

I found an article recently about a formula used to determine the grade equivalency level of your writing.  It's said anything above the 8th grade reading level is difficult for most people to understand.  Think about what you were reading in 8th grade and the landscape looks pretty bleak.  It's suggested to "write down" to your readers. 

So far, according to the formula, this article's written at a 9th grade level by the way. 

I think that's the wrong direction.  It's offensive to me that instead of striving to improve our comprehension we're encouraged to "dumb down" our content.   If it's true that knowledge is power then we should be actively pursuing it not waiting for someone to package it for us.

And you know, sometimes, that's not fun...

Reality check, NOT EVERYTHING IN LIFE IS FUN!

It's the pursuit of our better selves that provides the greatest reward.  I'm not looking to talk down to anyone, I just want to be able have an intelligent conversation.  That anyone would suggest that you're not entitled to be any smarter than the average 8th grader should be revolting to you.  Yet that's exactly the message we're assaulted with every day.

We're a society that's become dependent on devices without any concept of how they work.  If they break we just buy another.  Even popular entertainment is less about a good story than the spectacle.  Consider that if a television series like Star Trek, Bonanza or Perry Mason were produced today as they were decades ago, they wouldn't have lasted a season.

We now embrace a popular culture based almost entirely on image instead of talent.  Let's get real here, Elvis could sing, Justin Bieber can't (and Lady Gaga is suspect too.)

A generation ago economic status had a direct relationship to the pursuit of knowledge.  Our boomer parents were encouraged to better themselves because a civilized society depended on it.  Whether or not your education was formal its value was unquestioned.  Now we step over PHD's who've taken up residence in alleyways. 

                                        

Which is why I find intensely offensive any formula that calls itself a "readability index calculator" that purports that good writing requires no participation from the reader.

Something's changed since I was in grade school because that's 180 degrees from what I was taught.  It's not that I believe every reader should have a Master's degree but if you don't understand something, look it up.  That's what Google is for!  It's called learning and painful as it may be you have no excuse not to know something.  Unfortunately for most, the information is not always neatly packaged like some  Android app so they just forget about it and try to level up in Angry Birds.

It's amazing that the very thing that offers the best chance for human advancement is the same thing that devalues all of us.  Don't allow anyone to package your point of view for you, the world has enough fundamentalist morons running around.