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Are unions really the problem?

Monday, September 6th, 2010

Having seen both abusive and unresponsive management/owners and the protection of mediocre and unproductive workers by unions in places I have worked, I have to say that the real problem boils down to humans and egos. Both management and unions are quite capable of ruining a firm when they let egos run amok.

In the labor-management transaction, there needs to be a deal that both sides can live with and that will neither break the firm nor take unfair advantage of the worker. The problem is that in many cases, the unions have come into play only after a history of abuse by the employer, so neither side is really bargaining without an axe to grind. Once in place, unions frequently continue to push for more and more concessions, regardless of the net effect on the health of the employer and because of the employer’s attitude towards workers, the negotiators cannot really trust or believe each other.

Some of the unions themselves are unwilling to deal fairly and openly with their own employees as detailed in this piece by Deroy Murdock in National Review. Here again, it’s all about a few people not being able to distinguish between being CEO or President and being King.

Clearly there are major abuses on both sides. The “rubber room” where some union teachers spend years whiling away the day at the taxpayer’s expense because it is so complicated and expensive to just discharge them is a current example.  But, for every example of a union procedure or benefit that seems unbelievable to the rest of us, there is a negotiator somewhere that agreed to it for that employer.

In the public sector, those seen as “management” may agree to nearly anything as they have no vested interest in the “business” anyway, since revenues are based on taxation and legislation rather than a free-market. For this reason I have some real problems with unions in the public sector, unless the union contracts are subjected to a public vote by either the people or by their elected representatives. Otherwise it is just one government employee making a deal with other government employees while no one really has the responsibility to look after the public interest.

On the other side, I once worked for a firm that kept changing the bonus criteria every other month because someone in the home office decided they were paying too much out in bonuses. The net result was that it became essentially impossible to meet the bonus requirements and the very things the bonus was set up to encourage disappeared. At the same time, pay rates were frozen and the employee share of the benefits plan shot up. Needless to say, productivity suffered greatly and absenteeism became a problem. Disappointed with that outcome, management went for the stick instead of a better carrot and several workers, myself included, started to investigate union representation. It had become clear that the firm’s priorities had changed from encouraging productivity to controlling labor expense within very tight parameters.

Republicans would have us believe that all unions are evil and that business owners and managers are all fair and honest folks who just want to make an honest profit from their efforts. Democrats would have us believe that every worker, whether in private business or on the government payroll must be protected from the evils of management and owners. Like so many other issues, neither tells the whole story. Neither side wants to tell you that most things are not black and white, because then you might actually start evaluating candidates as individuals instead of by party affiliation. To paraphrase, the fault lies not in our unions or employers, but in ourselves.

Want me to switch to paperless billing, give me a discount!

Friday, August 27th, 2010

Stop with the green crap about paperless billing. It’s real simple, not having to print and mail statements and invoices will save them a pile of money. Therefore, offer me a discount to go paperless.

These are starting to get bothersome as I pay many of my bills online. The thing now is to have the default button when you login or complete the transaction to enable paperless billing because they know that many of us will just continue to hit the highlighted button or return key.

There have always been some businesses that operate right on the ragged edge of fraud and frequently needed scrutiny by prosecutors and consumer advocates, but it is rapidly becoming the “norm.” Rigging web sites to push people into things that they would not otherwise accept is just the latest trick. I very much prefer the free-enterprise system to anything else that has been tried or proposed — but there is a dark side to it as well, simply because it is run by humans.

I’m sick of “economic news” and the myth of Washington being able to fix the economy

Thursday, August 26th, 2010

I’m really getting sick and tired of hearing every stupid statistic trotted out as Breaking News and then a flurry of  professors and so-called experts from former administrations wringing their hand about what this may or may not mean. This week it is home sales. Let’s see, unemployment still high so not many home sales, what a shocker.

The one thing that should be abundantly clear from all of this is that Washington does not control the economy, no matter how much they borrow from abroad to throw at selected industries in the name of spurring economic growth or recovery or whatever.  It doesn’t matter whether the administration is controlled by either party, the whole economic engine of the country is just too big and too complex for the goofballs in D.C. to do anything more that twiddle around the edges and drive the national debt to new heights. The only difference in the two political parties is who they give our tax money to in order to pay back campaign contributions. No amount of government spending whether on missiles and ships or teacher unions and road construction is  going to bring back a middle-class with jobs and futures and realistic hopes of retiring some day.

Obama wants to create FreddieSpill, FDR would be proud

Wednesday, June 16th, 2010

In the fine FDR tradition of creating an extra-legal agency to “address” every problem, the Obama administration (and their many friends wanting high-paying, low stress jobs in Washington) now want BP to pay billions of dollars into an escrow account AND have disbursement of the funds from this account administered by a third party. Anyone want to guess what this third party will look like.

OK, I’m no fan of BP. Their safety and deferred-maintenance record has not been very good in North America in the last decade or so and the continuing mess in the Gulf of Mexico is just the largest and latest.

The White House and the Dems on the Hill are behaving predictably – “Something must be done!” – even if it has little or no effect on the real problem. Not ones to let an opportunity pass, they now propose to have BP escrow billions of dollars in funds and then set up a “third party” to administer the claims on these funds.

I can only imagine how this “claim processor” will be constituted. First we’ll need a big name chief for the Wesley Mouch role, and a blue-ribbon panel of former office-holders, technical experts, legal experts, financial experts, then lots of administrative paper-pushers to build and monitor “process.” This “FreddieSpill” will almost certainly set new records for overhead eating up the available funds.

No doubt Congress will pass some special enabling legislation for FreddieSpill that puts it beyond the normal legal-judicial process so no one will be able to appeal or contest the rulings of this “third party.”

Once an entity like this is created, it will never die, so this will become the de facto liability oversight agency for the oil and gas industry in the U.S. Since this agency will be outside the normal legal process, its determinations will be impossible to predict since it is essentially a political animal, thereby dramatically cranking up the risk for US exploration and production at the very time we desperately need to find and produce energy here.

So, the net result will be lots of jobs for friends of those in the administration, a rapid whittling away of the escrow funds, arbitrary and capricious disbursement decisions that cannot be appealed in courts and a frightening risk variable on the domestic oil and gas industry.

Wow, do these people know how to make lemonade or what?

AfghanisNam

Tuesday, November 24th, 2009

Headed by President Hamid Văn Thiệu Karzai, Afghanistan is not just like Vietnam, it IS Vietnam. Here we are again backing a corrupt so-called leader after the result of a highly questionable election that we would certainly condemn if it were held anywhere else. (Nguyễn Văn Thiệu got around 94% of the vote in Vietnam in 1971).

We had the opportunity to grab Bin Laden and the key Al Qaeda people in the earliest days and lost the opportunity by a combination of indecision and the faulty belief of a few that smart-bombs, UAVs and Black Ops forces could replace regiments if not divisions in a sparsely populated, mountainous land.
Another 100,000 troops, even if they were all shooters, will not bring back the opportunity that was lost years ago.

The political leadership, past and now current, can not or will not even tell us what success would look like in Afghanistan because they want to be able to change the definition as they go.  Do you really think our fathers, uncles, grandfathers and such would have hit the beaches on Tarawa, Iwo Jima, Okinawa, Omaha or Utah if they had no idea of how success would be defined. That’s what we are asking our troops to do now. How can we look them in the eye and ask them to do this! Saying “Remember 9/11″ is only going to last a little longer. They’re going to have to start up the draft again because we have absolutely worn out all of our active duty, reserve and National Guard troops.

This is the LBJ moment. It’s sounding now that Barry is going to push ahead so as not to look weak. Yes we have lost good people there and yes their sacrifice is very much appreciated and gratefully acknowledged by this old jarhead and countless thousands of others. At this point, the best way to show that we truly support our troops is to get them out of a situation that has no end in sight, before thousands more are maimed and killed.

Can’t we be smart and retain some of the lessons of our own history. Must we continue to follow the failed steps that Britain followed in both Afghanistan and Mesopotamia. I’m not ignoring or forgetting the history of Al Qaeda or the Taliban, but continuing to send the best of our youth and literally tons of our treasure to this place that has swallowed up armies from Alexander to the Soviets is just madness and does a great disservice to those who must fight and die so politicians can say that they did not forget 9/11.

Over 50,000 of us died for the domino theory of Communism in southeast Asia. We lost a generation, nearly ruined the Army and Marine Corps as career options for patriotic Americans and thought we had forever changed how our country’s military forces would be deployed in foreign lands. How many more Americans have to be killed, maimed and forever emotionally scarred in this exercise in futility?

T-Mobile puts the greed in green

Friday, August 28th, 2009

Starting in September, T-Mobile will add a $1.50 per month charge to get paper bills, and be able to mail in payments. Of course this is all being played as “green” when we we all know it is simple greed.  Sure, it costs to print and mail invoices and to process payments that are mailed in.  That is called “cost of doing business.” Since phone companies are already well known for passing along any and every charge and fee imaginable as well as some that are hard to imagine, I guess this should not really come as a surprise. What goes along with this paperless billing is also the requirement to either pay online via credit/debit card or via electronic funds transfer from a bank or credit union account. If you insist on paying with cash, check or money order, you will have to take it to a T-Mobile store as they will not accept payments mailed in.

The galling part of this is that the only way I found out about it was by routinely checking my minutes of usage on their web site. Wonder how long I would have gone otherwise? I already know that I have to carefully dissect every piece of paper included with credit card bills to make sure one of them is not a carefully veiled notice that my interest rate is doubling next month and that I agree to accept it if I use my card even one more time. Can’t wait to see the next T-Mobile bill and see how this new green fee is communicated, if at all.

The terms that you must agree to are fun too (see below and link).  So it is now my responsibility to set a date on my calendar to check for billing, since they can’t be bothered with sending a no-charge SMS to make sure I got it. #12 is a hoot too. Sure good to know that T-Mobile’s system is right on the bleeding edge of Internet browsers. I guess I should not plan to use it with Safari or Chrome or Firefox or  even a very old version of IE6. Wonder why the iPhone went to AT&T? Guess accessing your account and paying from any mobile browser would be completely out of the question.

(Terms) By agreeing to receive my Bill electronically I agree to the following:

Paperless Billing. I may view my paperless T-Mobile Bill for wireless services (Bill) online by accessing my account at www.t-mobile.com/mytmobile. I may also determine how much I owe by dialing #BAL# on my T-Mobile phone or by calling Customer Care.
1. Payment. I will pay my Bill (including any late fees) timely, whether or not I receive a Bill notice or am able to access my paperless Bill.
2. Not receiving a Bill notice. T-Mobile will attempt to send me a Bill notice to my current e-mail address in T-Mobile’s records. It is my sole responsibility to contact T-Mobile directly if I do not receive my Bill notice. I agree to hold T-Mobile harmless for any delay or failure to deliver notice.

—snip—

12. System compatibility and blocking. The ability to receive Bill notices is system and Internet Service Provider dependent. To accurately view your paperless Bill, your system must be running either Microsoft Internet Explorer 5.0 or higher, Netscape Navigator 6.1 or higher, or AOL 5.0 or higher. Some ISPs may block e-mail from senders who are not on a “contacts” list, so I may not receive my notification unless I specifically add T-Mobile to my contacts or “people I know.”  — (bold emphasis added by aRdent)

T_MobilePaperFee

Even with this, T-Mobile is still cheaper for the voice service that we use, so switching to AT&T is not an option. I would not even consider changing to one of the CDMA carriers (Sprint, Verizon, US Cellular), regardless of rate difference. The CDMA system and their devices are just too limited and delicate. There are many good reasons why the rest of the world uses GSM for cellular.

We can’t debate healthcare reform until we know exactly what we are debating

Tuesday, August 11th, 2009

The pundits and progressives are all aflutter about some recent townhall meetings with Congress members that have gotten loud and rowdy.  This should not be a real surprise as healthcare is a very personal issue—especially so if you have a chronic condition or are retired on a fixed income. Sure, some of the participants may have been seeded by those with a particular position, but many are just angry at what certainly looks like a huge change with no public debate.

First, it would help a lot if all of us could actually see and read what we are debating. I’d be very surprised if all the members of Congress have even read it all, much less understand it.  With all the communications outlets currently available to the Congress and the Administration, there is no reason why the people should not be completely informed on the proposed package so we are not running scared with rumors of death boards. Yes, I know we can read the whole thing online, but can most of us make any sense of it?

This is a very serious subject which directly affects people’s lives. Broad outlines from the Administration and a few members of Congress from each side of the aisle does not constitute a debate.  Likewise, one speaker making statements and answering questions in a room full of constituents is not a debate either.

In the absence of clear, concise information about exactly what is changing and what is will cost us all, it is not surprising that many will react with fear. Add to this the number of people, both broadcasters and politicos that know that nothing motivates people to action better than fear and you have a formula for emotional reactions and outrage. The liberals are outraged that the masses would dare question the wisdom or motives of the progressive elite who always know what’s best for us and the conservatives are outraged that there is not a lot they can do to stop this train regardless of where it is currently headed.

Many of us have personal experience with finding out after the fact that a nameless, faceless entity has determined that something  is “not a covered expense” or  “not medically necessary, ” but we have to pay for it anyway. Therefore it is not surprising that people are reluctant to trust what sounds like another group of insurance salesmen telling us not to worry.

It’s real simple. If you don’t want us screaming about the latest rumor we’ve heard, replace those rumors with detailed, accurate information, not broad gentle reassurances. Tell us what exactly this bill is trying to accomplish and how a given section or subtitle accomplishes that.

Congress and the Administration need to spend the next month or two putting out detailed accurate information and give people a chance to digest it. Then, go back and make the changes that this discussion has shown are needed and put it to a vote of both houses. Let’s get this decided on its merits, not on who is best at stampeding their followers.

Goodbye Tulsa World

Wednesday, August 5th, 2009

We finally decided that the time has come to stop paying $17 a month to have the dead-tree version of the local rag deposited on the driveway. The World has long ago ceased being a newspaper.  I will not miss the front page evergreen stories, the full-page snake oil ads, the bizarre editorial positions or the constant drum-beating to spend any amount of tax money to construct some sort of downtown that only exists in the editorial board and publisher’s  fantasies.

What really pushed us over the edge was noticing how many times they kept jumping stories to the website.  There is plenty of room in the paper for a page dedicated to a brand of Bourbon from years past,  and clearly no shortage of space to plug the current touring musicals, but they cannot seem to make space for actual news any more. Today’s top local story is that people apparently get hot and drink lots of water when it is 100 degrees outside. Wow, shouldn’t that be tagged “Breaking News?”

One would hope that the local paper would be the place to find out about local events. Apparently only those events sponsored by the World or favored by Wayne Greene  merit a mention. Don’t even get me started on Mike Jones’ constant stream of liberal hate-speech for any knuckle-dragger that does not share his clearly superior positions. The World’s editorials frequently remind me that no group has a monopoly on intolerance and that nothing is apparently as vitally important as puppies.

Newspapers across the country are fighting a losing battle to stay relevant and stay in business. The problem is that for too many of them the business plan seems to be to do less and charge more, then wail about the Internet while giving away the precious little original content they still generate on the Internet. Thankfully there are still a few newspapers that understand that their strength lies in digging out and presenting stories, both news and investigative, not just adding their “coverage” to a story we have already heard.

I never really liked the Tulsa World, but as a former print photojournalist I still wanted my daily “fix.”  The Tribune always had much better layout, better use of visuals and frankly better writers and editors, but afternoon papers were the first to go in this Darwinian process. I can read many of the best papers online; some for free and some for a very reasonable access fee.

I’m more than willing to pay for quality content. I do not give my work away for free and do not expect anyone else to.  However, I ‘m no longer going to pay $17 a month for shipping and handling of a daily shopper.  The paper kept telling us to go to their website—so we will.

Fixing health care for small business, self-employed and individuals — without tax money!

Thursday, July 30th, 2009

First of all, my solution for “reform” or actually trust-busting of healthcare for small businesses, self-employed and individuals does not involve tax money, subsidies, or much of anything else from government except mandating some rule changes. Most of these will be at the state level, though it would be necessary to make a small change in HIPAA at the Fed level.

The biggest single problem for all of us “little guys” (small businesses, self-employed and individuals) is the high cost to get into or maintain health insurance coverage, if we can get it at all. This is primarily because the insurance companies and groups, whether private for-profit or run by local or regional non-profit hospital groups, insist on dealing with small entities on a group-by-group basis. This means that a business with 10 employees that includes two or three with chronic conditions or a complicated pregnancy is going to pay a fortune in premiums.

In many cases, the employer simply cannot afford to include enough of the premium in their benefits to have anything left over to actually pay the employees. Since some employees may be able to get coverage through their spouse, the employer may be able to simply not offer healthcare and still attract enough workers. Nonetheless, many small businesses would like to be able to offer coverage to attract a larger pool of workers and perhaps to have group coverage for themselves as well.

This gets really tough if you are self-employed. Unless you are married with a spouse that has good coverage at their job, about the only option is an individual policy. Individual policies are not only very expensive, they also do not have to accept your pre-existing condition the way a group does under HIPAA.

It would seem that the obvious thing to do would be to organize some sort of group that various small businesses and self-employed people could join or affiliate  with so that the insurance companies had to deal with them as a group of say 500 people, rather than many small groups and individuals.  There would be one administrator for the insurance company to deal with and the risk would be spread out over a larger group, so that 2 or 3 people with chronic conditions no longer represented 25% of the group. This affiliation would also be a group under HIPAA, so those in it would have complete portability of their coverage from employer to employer, or  from employer to consultant/contractor.

Anyway, this grouping of lots of small businesses, self-employeds and free-lancers to get affordable health coverage sounds like a great idea, right? Not if you are an insurance company. This sounds like something that has to be prevented,  and that is exactly what has happened. Although it is possible to put together a group and negotiate with perhaps one carrier to give your group coverage based on some sort of membership or professional commonality, it is next to impossible to just get together a mixed bag of several dozen small businesses and free-lancers and define it as a group, then get coverage quotes and let your members make an annual choice on which of several competing levels of coverage they want. Why? Because it is highly profitable for insurers to demand that each employer be defined as a group and make the free-lancer/self-employed apply as individuals. This is especially profitable for them when dealing with self-employed people who usually have to buy individual policies because the insurer can exclude pre-existing conditions. If this were a group plan, the HIPAA rules would not allow them to exclude pre-existing conditions.

As more and more of us become free-lancers, consultants, self-employed, this is becoming a bigger and bigger issue and becoming more and more profitable for the insurers.

What needs to happen here is legislation to force the insurers to deal with independent groups on the same basis as large employers including full portability of coverage. If you have a group of 500 people, it really doesn’t matter whether you all work for the same firm or not as far as your likelihood of illness/disease is concerned, so why are the insurers able to insist that it does?

This is NOT a case of government meddling in private business. Ask anyone that knows me, I’m a raving Libertarian. What this is is getting both state and federal governments to STOP allowing the insurers to cherry-pick the group size and composition they choose to deal with and actually restore free enterprise.

Free enterprise is a wonderful thing when it actually is free. When it uses government to grant monopolies or let it play by “special rules” that no other business gets to play by, it is no longer free enterprise. This is the root problem of our health no-care system now. The insurers, drug-peddlers and various other health-industry lobbyists have so gummed up the works with “special rules” that is has no resemblance whatsoever to free enterprise.

The Democrat solution is take money from some to pay for the rest and the Republican solution is to keep telling us that the Democrats are trying to socialize healthcare, and preaching  status quo ante. Meanwhile both sides continue to rake in campaign cash from the healthcare industry and enjoy a gold-plated benefit plan that we are all paying for.

If small entities and the self-employed could get affordable coverage through groups or co-ops, the numbers of uninsured and underinsured would drop appreciably, without any tax money! Let’s try this before we throw out more $Billions.

Guns in Parks or “When seconds count, the nearest park ranger is only miles away”

Wednesday, May 20th, 2009

Once again the gun-haters have something to scream about and once again they fail to distinguish between those who abide by the laws of the land and those who do not.  It is abundantly clear that some folks just do not understand that making or changing rules only affects the actions of those who abide by those rules.  It is already legal to have loaded firearms on property managed by the Forest Service or Bureau of Land Management.

Senator Coburn’s amendment only makes it consistent across the board to also include National Parks  and Wildlife Refuges. Since some of these can be contained within others, it has been pretty complicated and those that were  trying to comply with the laws often had a job trying to find out exactly who managed the land they were hiking or camping on.

Keep in mind also, that this new provision only allows concealed carry if it is already allowed in the state where the park is located and then only if you have a carry permit. For those that enjoy hiking and such in the back country, it will be nice be able to legally protect yourself from predators, whether they have four legs or two. As far as the “worst-case scenario” that is painted by the Brady Campaign (and usually embraced by the Tulsa World) it is highly unlikely that your family is going to be staring down an AK-47 while on a picnic since most states do not allow open carry, and even then pointing or waving a firearm in a manner that appears menacing to others, known as brandishing,  is still a criminal act in most states and locales.

Just because you will be allowed to have a loaded firearm in your vehicle or on your person does not automatically transform the area in a free-fire zone. Much to the chagrin of the local daily fish-wrapper, allowing citizens to carry concealed firearms has not suddenly transformed our streets into a non-stop wild west shootout, so there is no reason to think that it will be any different in federal parks and wildlife refuges.  If anything, it means that these often isolated and remote areas will no longer be “no one will shoot back” areas, and thus be safer for the law-abiding to visit.

When seconds count, the nearest park ranger is only miles away . . .  if you can even get a signal on your cellphone.

And, for the record, I do agree that attaching this provision to the credit card legislation is goofy and says a lot about what is wrong with our Congress and the games that are played in order to get things done.