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Archive for March, 2009

Mar 31 2009

Relocated: Microlending

Published by Z under Zach Thinks Edit This

Wednesday, June 25, 2008
Microlending
Alright. I know I’m like two years behind the rest of the web in expressing my support for this concept, but I thought I’d take a minute to talk about microlending and microfinance, and what it can do for the world.

First of all, we all know governments are inefficient. We know that for every tax dollar spent on foreign aid, only a portion of it actually gets to people. Most of it is spent on the expenses of distributing the aid, both in the donor/lender country and in the recipient country. Lending money through small organizations is much more economically efficient.

Also, where does that aid go? Yes, it’s great to have roads and power plants, and schools, etc. But, those changes usually affect the urban populations of developing countries, and, although far from wealthy, those people are often better off than the rural poor. Also, what good does building a school or a road or a hospital do if the people can’t afford cars, or don’t have enough economic activity to maintain those facilities? What good is a school and a hospital when families are making their kids work for survival, rather than sending them to the school and eventually to medical school?

So, from a development standpoint, microlending is a great partner for foreign aid and investment. It allows individual people to take accountability for their economic state, and, bit by bit, allows them to improve their lot. It doesn’t give them a fish, it teaches them to fish. By pairing this bottom up, slow approach with the top down, quick treatment that foreign aid and international lending gives, we can all hope that eventually, the two meet in the middle.

Moreover, I firmly believe that people who have received help and loans from individuals (within their country or outside of it) will feel some sense of responsibility, once they have improved their own lives, to do their part in helping the rest of their community.

Also, microlending within the U.S. can be a great way to invest at higher rates of return than banks offer, and to receive loans at lower rates than banks charge. Although the lending option is temporarily down, www.lendingclub.com offers that kind of opportunity. Again, eliminating inefficient bureaucracy benefits both the lender and the borrower.

So, I would urge everyone to check out these two sites when you get a minute:
www.kiva.org
www.lendingclub.com
Posted by Zach at 2:32 PM 0 comments Links to this post
Labels: development, kiva, lending club, micro credit, micro finance, microloan

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Mar 30 2009

Calderon on the Drug War: On The Mark

Published by Z under The Z Spot Edit This

I watched Felipe Calderon, the Mexican President, on CSPAN today. I was very impressed. His basic view is that yes, the drug wars are a U.S. and international issue, not just a Mexican issue. In particular, he said something that few, if any American politicians will ever admit. The entire reason that organized crime and drug-related violence exists is because Mexico shares its border with the world’s largest drug market.

Calderon also acknowledged that dealing with this issue will require both a U.S. and an international response, not just a Mexican one. He was, however, very clear about the fact that this does not necessarily mean a multinational military or law enforcement response. He stressed that the ideal approach here is for the U.S. to do what we have to do from El Paso and San Diego northward, and let Mexico do what they need to do from Juarez and Tijuana southward. Yes, from an intelligence standpoint, we need to cooperate and work together. But international military and police forces are not the answer.

I was very impressed with Calderon’s comments overall.

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Mar 30 2009

Relocated: My Thoughts on November

Published by Z under Zach Thinks Edit This

Sunday, June 15, 2008
My Thoughts on November
Alright. I think this November should be interesting. I think both candidates are great. I also think both have large appeal to independent voters and voters of the other party. So I’m curious to see what happens.

Right now, it seems like people are kind of down on McCain’s chances of winning this election. I have to say I don’t really agree with that, for one simple reason. Yes, he has a smaller campaign. Yes, he’s running from the same party as an unpopular incumbent president. BUT, so far, this election cycle has been all about the underdog. Both McCain and Obama were the underdogs in their parties’ respective primaries. Nobody thought in January that either one was a serious candidate, much less going to wind up nominated.

Several polls were just way off this year. I think it’s a year of unpredictability. I think underdogs did well in the primaries, and there’s a chance that the underdog will pull through in the General as well.
Posted by Zach at 2:48 PM
Labels: 08, barack obama, elections, John McCain
1 comments:

Mike from Waxing Poetically said…

First, Zach I want to thank you for such a thorough comment on my blog…. I was a bit floored by the length and breadth of it. Wow!

To your blog, McCain has a shot of course but I just want to see people actually vote. Could you yo imagine if people participated in elections the way they do for American Idol? That’d be a proud day for me!

..Honestly, WTF are the cable news networks going to talk about after November? This election has had a bigger build up than Armageddon!

Thanks for the link!

Mike
June 15, 2008 7:23 PM

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Mar 30 2009

Relocated: Why I’ll Be Happy In November

Published by Z under Zach Thinks Edit This

Saturday, June 7, 2008
Why I’ll Be Happy In November
I just thought I’d take a moment to explain why I’ll be a very happy person in November. And that’s because regardless of who wins the General, this is going to be a great time for American politics.

I decided at the beginning of the primaries that if McCain lost the Republican primary and Obama won the Democratic, I’d vote Obama. Why?

Because, as different as the candidates’ stances may be, they have several things in common.

1) They both want to leave moral decisions to the people, or at least to the States, rather than legislating them from Washington (i.e. gay marriage)
2) They are both men of principal, who are honest and consistent about where they stand on the issues.
3) Most importantly, they are both known for being willing and able to work across the aisle to get things done. This is especially important in this coming election cycle. The polarization that Bush has caused in this nation is absurd.

I think it’s important that both parties focus on uniting their constituents. Because I think there are a number of Republicans who hate Bush, and the Democrats are just plain confused after their Primaries. I’m excited to see the battle royale that will surely come over the next several months. BUT, once that is over, I am excited to see the winner unite not just a party, but a nation.

I think that whether it’s Obama or McCain, we can expect to see relatively few vetos. Which is not to say they won’t veto things when they really, truly believe that they need to. It’s to say that they will be proactive in approaching all constituencies, including both parties’ leadership, to resolve issues BEFORE they come to the veto chopping block. I am ecstatic to see who the two nominees are, and I think that everyone should be.
Posted by Zach at 4:18 AM 0 comments Links to this post
Labels: barack obama, elections, John McCain, Vice President

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Mar 30 2009

Relocated: Hillary as Veep- Told You So

Published by Z under Zach Thinks Edit This

Tuesday, June 3, 2008
Hillary as Veep-Told You So
Everyone has said all along that Hillary won’t be nominated or accept the Vice Presidency. And I’ve said all along to be a little more open minded.

Now, I am really convinced that she will probably be his running mate. Hillary is smart to “happen” to start discussing the idea that she might accept the Veep slot on the ticket the day before he locks the nomination. Even though she has said that she isn’t sure yet, and that she thinks the decision is up to Obama, the message is clear.

She wants the spot. And if she doesn’t get it soon, I can guarantee you that there will be pressure from her camp (official or otherwise) to pick a Vice soon, in order to “unite the party,” and “catch up” to the McCain campaign, which has been campaigning against Obama for months while Obama and Hillary battled each other. And the pundits who support Hillary will sart talking about how picking the runner up will unite the party, and how Barack needs Hillary to get women, working class Dems, and Hispanics. In fact, comments are already starting to fly.

By discussing the issue with other Democrats from New York, Hillary is planting seeds. And the reality of it is, the party and the media will water those seeds. Obama will have to offer her the spot, or risk looking like a total asshole.
Posted by Zach at 11:16 PM 0 comments Links to this post
Labels: 08, barack obama, Democratic Party, elections, hillary clinton, Vice President

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Mar 30 2009

Relocated: Construction Deaths

Published by Z under Zach Thinks Edit This

Construction Deaths
Alright. I don’t know if the news of this made national news or not, but there has been another construction death on the Las Vegas Strip. And now the construction Unions are on strike.

First of all, I think it’s clear that any corporate responsibility here belong to the contractors, not the corporations building the projects. They have neither the responsibility or the knowledge to ensure worksite safety on construction projects.

Second of all, OSHA is investigating, and perhaps I will be proven wrong here. BUT, I think that, first of all, even fellow workers have come out and said that workers on these sites are held to very strict safety standards, and are extensively trained. They have said that accidents generally happen because workers are doing what they’re not supposed to be.

Now, that aside, here’s my thoughts.

If the death was due to falty equipment or not making equipment available, the contractors should be held responsible.

If the death was due to a person following imporoper procedures, nobody should be held responsible.

If the death was caused by a lack of training, the Union and the contractor should be held responsible. Unions pride themselve in providing the “best trained and most skilled” labor around. Part of that is safety training. Part of why companies agree to pay Union wages, and work with Unions, is because of the added benefit f the training members receive at the Union hall and through apprenticeship type programs. Yes, the company has some responsibility to ensure that its employees are trained. Especially since, in a right to work state, not all of the employees have to be dues-paying Union members. At the same time, however, I will emphasize that part of the analysis a oompany makes before entering a CBA or paying Union wages is that the cost is worth it to receive employees who are highly skilled and trained.

Finally, if the death was caused by the company putting too much pressure on employees, the Union should be held responsible, as should the workers. It is a contractor’s job to get a job done and get it on time. They should be pressuring their workers. Not saying things like, “Just go up there without a harness,” but perhaps saying things like “Let’s pick up the pace, here.” Part of the Union’s job, and a big part at that, is to represent workers. If workers felt that they were being pressured to work at an unreasonable or unattainable pace,the Union should have stood up for them. The workers should have refused to speed up, knowing that the Union would back them should this action result in discipline. Especially in a trade which is dangerous, safety should be a first priority for everyone, but in particular, an organization which people pay to look after their well-being should be focused on safety. The moment a worker came to the Union Hall, an Organizer, or even a shop steward, with a complaint that they were being pressured to speed up, the Union should have raised a red flag.

Finally, the Union is screwing its own people by walking out on the CityCenter job. I can understand strikes, pickets, and walkouts in sitations where general treatment of workers or lack of a CBA are the issue. These are situations in which there is not necessarily a “black and white” division between right and wrong. The Union needs to apply a little pressure in a way that seriously affects business.

On the other hand, OSHA is investigating the construction death. If OSHA comes back and says there are workplace violations, the contractors will have to take care of those. They’ll do so not because of picketers or strikers, but because of OSHA.

On the other hand, if OSHA clears the work site and emloyer, the Union will looklike fools,and most likely go back to work. Or at least some of the workers will.

So, the impact on the company of a two day strike is pretty small. The impact on laborers of two lost days of work is much larger. The Union is costing its member money trying to decide an issue that will be decided neither by it nor by the employer.
Posted by Zach at 9:57 PM 0 comments Links to this post
Labels: construction, death, Nevada, strike, union

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Mar 28 2009

Juarez Deaths and The War on Drugs

Published by Z under The Z Spot Edit This

The Drug Wars between the Mexican cartels have been escalating for several years, and now they’ve reached a point where people are getting shot, killed, and buried in mass graves right across the border from El Paso, Texas. In fact, some of the violence has started to spill over the border. And now Americans are saying that we need a multi-national response.

This angers me to no end. First, let’s take the drug wars out of the picture and talk about deaths and violence in Juarez. Juarez was the sight, throughout the 1990s and 2000s, of thousands of “unexplained” ‘deaths of poor women and girls. These factory workers were among the poorest of the poor in Mexico, many of them from either poorer parts of Mexico, or other parts of Latin America. They were working in the largely American owned maquilas, or factories, along the U.S. border. The police force in Juarez was infamously corrupt and never solved these murders. In fact, many of them were never reported as murders at all. Where was the U.S. while this was going on?

Now, let’s get back to the War on Drugs, started decades ago, and continued to this day. This “War” started by the U.S., has caused thousands upon thousands (if not millions) of deaths throughout Latin America (although largely in Colombia). it has ruined economies, overthrown governments, and played a huge part in Latin American politics. Meanwhile, we still have drug addicts here, and there is still drug violence there. Now we have another President who wants a “multilateral” approach to combating drug trafficking. Hopefully this time, he does not mean more of us sending military and police into Latin America, or providing money, guns and resources to their governments.

America’s current drug policies and policies toward the drug producing and transporting nations in Latin America has been a dismal failure. We have drug addicts here who, when it becomes harder and/or riskier to get drugs, do one of two things. They either turn to pharmaceuticals and domestically produced drugs (like methamphetamine), or they pay higher prices for drugs. Remember, demand for drugs is very inelastic. Addicts will do whatever it takes to get their fix. Some may start using meth instead, or start freebasing oxycotin. But others will simply pay the higher prices. Since a lot of these people’s income is not enough to support themselves, their families, and their drug habits, they will wind up a) homeless, and costing the public money; b) neglecting their children, and costing the public money; or c) stealing or committing other (possibly violent) crimes in order to feed their habit.

In the meantime, it is becoming harder and harder to get drugs into the U.S. This may be a detriment to some people, but it also means that people are willing to pay more money for the drugs that do get through. Which means that while the risk is growing, so are the rewards. There is more incentive than ever to find new ways to smuggle drugs into the United States. With improving globalization and technology, there are new ways to do it all the time. Drug traffic, the sex trade, and human trafficking can and often are all linked. People are putting other, desperate people at risk by using “mules” to smuggle drugs inside their bodies.

The same effect is going on in South America. With U.S. help, some governments are cracking down on people growing cocaine. While this may seem effective, these are people who have very little to lose, and very few other options to sustain their families. Now, those who are brave and/or desperate enough to continue growing drugs are looking at even larger rewards for doing so. Moreover, some Latin American countries have resisted outlawing coca production for the legitimate reason that it has cultural significance to the indigenous populations. Violence is now spilling out of Colombia into neighboring areas where coca is legally grown in order to traffic it through Colombia and Mexico into the United States.

What is the alternative, though? What can the U.S. do but continue to tighten the chains around the international drug trade?

First, on a domestic front, we need (especially with the current economic conditions) to focus on drug programs that work. We need to focus less on punishing and more on rehabilitating both drug users and drug dealers. It is far more expensive to incarcerate a drug offender than it is to provide them with serious and effective treatment and rehabilitation. This seems the right thing to do, especially for non-violent first offenders. In terms of dealers, we can lock them up over and over again. They don’t have the skills they need to succeed in another career, especially one where their income could compete with what they made as dealers. Many of them also don’t have roll models other than drug dealers, gang bangers and pimps. These are the people they saw with nice cars and pretty girls when they were growing up. We need to train these people for entry into the professional world, and provide them with a real alternative to the drug trade. We need an effective P.R. campaign to teach children the dangers of drug addiction. To really educate them, not just tell them no. As entertaining as the “this is your brain” and “D.A.R.E. to say no” commercials were, they obviously didn’t work. Try an experiment if you have a toddler. Give them a crayon and a piece of paper next to a white wall. Say “Don’t draw on the wall.” Watch them carefully for five minutes, and then leave them unsupervised for ten. You’re going to have a painted wall. Kids are rebellious. They need to be taught WHY they shouldn’t do drugs, not just told not to.

On an international front, we need to drop subsidies on domestic agricultural products which compete with products from drug-producing nations. We also need to stop giving some foreign country favored nation status and economic aid. Colombia can no longer compete with Thailand in the coffee market because of the support that the U.S. government gave Thailand’s coffee industry. Similar things have happened with sugar, bananas, and several other tropical products which used to be the staples of U.S.-Latin American trade. We need to provide economic aid to agricultural training and supply programs in Latin America, and make sure the money is being used effectively. We need to make growing something other than Coca a viable option for South and Central American farmers.

This was a really long post, but this has really got me going. We need to get over the assumption that the U.S. military can fix the drug trade, and start looking at this from the parties’ perspectives. We need to create viable alternatives to drugs for users, dealers, traffickers and producers before we can expect any real progress in our so-called “War on Drugs.”

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Mar 21 2009

Delaware Legalizing Sports Betting: Why I’m All For It

Published by Z under The Z Spot Edit This

It looks like Delaware may very well legalize sports betting. I guess the title is a bit of a misnomer. I’m not all for it, so much as I’m here to rebut some of the arguments against it. So here goes.

Argument #1: Legalized gambling promotes immorality
I don’t really know where to start debunking this myth. I guess that case number one is that betting, in and of itself, is not totally immoral. People place friendly wagers on everything. How many times do we start a sentence saying that “I bet you…” It’s a normal, human way to entertain ourselves. The problems come when gambling gets out of hand. Which brings me to the next point.

Legalized gambling is regulated. Part of that is publicity for the public and training for gaming-industry employees about responsible gambling vs. problem gambling. Many people play a reasonable amount of money that they can afford. Others don’t have the control to do that. The thing is, the people with no control are finding ways to do this anyway. Whether it’s driving to Foxwood, flying to Vegas, logging on to Absolute Poker, calling their off-the-book booky, or finding a back room poker or dice game, the gambling addicts will gamble, legal or not.

In terms of the effects of so-called “immoral” behavior on children… if the preferred method of betting on sports where you live is calling a booky who is a “friend of a friend” do you think they’re going to ask for an age, much less identification, before booking your bet? In places where gambling is legal, it is generally fairly well constrained to those of the legal age (be that 18 or 21).

Also, if gambling is so immoral to be offensive and to the point where it should be illegal, why do 43 states have legalized lotteries? How is keno (which is really what lotteries are), a random, chance-only number game more moral than sports betting, which requires some skill and knowledge to win, along with luck?

Argument #2: It will draw bettors from Maryland’s new slot program
First of all, even if this were true, I don’t think Delaware should think twice for this reason. Government should operate more like a business in a lot of ways (that’s right, what business do you know that can just increase spending without any anticipation of increased revenues??). When was the last time that BP stopped and said, “There’s a great location there, but do we want to take the customers away from the Chevron across the road?”

Moreover, it’s a well known fact to people in the gaming industry that people who play slots, bingo, keno and the lottery a lot tend to play only those games. Because there is no skill and the payouts are really bad, slot players (even the really high limit ones) tend to stick to slots. After all, if they knew how to, and enjoyed, playing games with better payouts and actual human interaction, why would they play slots at all?

Argument #3: Delawarans won’t go to Vegas or Atlantic City anymore
This is just not true. Detroit, Atlantic City, Mississippi and several rivers and reservations across the country have legalized casino gambling. That’s right. Full casinos. Lights, shows, table games, slots, poker, bingo, sexy cocktail waitresses, the whole shebang. And Vegas is still doing well. No place can ever create the Vegas experience. The 24 hour nightlife. The legalized prostitution (45 minutes away). The weather. The high roller image. The strip clubs. The after hours club experience. The slots in the airport and the convenience store. Moreover, sports betting is easy enough to do online and over the phone that I doubt anybody from Delaware is coming to Vegas just to place their bet on Saturday’s big game.

Argument #4: The money that goes toward public education doesn’t supplement, but replaces tax dollars
This is a separate question. Should legislatures cut state funding for education because lottos and other gambling are supplementing that funding? Probably not. But, the reality of it is, they do. In these times, it’s not like they have a lot of money rolling around. They would probably be cutting tax dollars from education budgets anyway. Is it such a bad thing to have another source so the hit isn’t felt quite as strongly?

Overall, I’m all for Delaware legalizing sports betting.

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Mar 05 2009

Relocated: Counting the Florida and Michigan votes?

Published by Z under Zach Thinks Edit This

Wednesday, May 28, 2008
Counting the Florida and Michigan votes?
Really? The Democratic lawyers think i’s fair to count half of the votes? That is absurd since other candidates didn’t campaign there, and some were not even on the ballots.

This isn’t fair to anyone. It’s Hillary getting what she wants by whining. I’m guessing that none of these lawyers have ever been teachers, camp counslors, parents, or even dog owners. If they had, they would not give in to this.
Posted by Zach at 4:31 PM 0 comments Links to this post
Labels: 08, elections, florida, hillary clinton, michigan

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Mar 02 2009

Dr. Suess: What Makes a Classic

Published by Z under The Z Spot Edit This

If Dr. Suess were alive today, he would be 105 years old. So what is it about Dr. Suess that makes him so well known, even today, and that makes so many of his works truly timeless classics?

“The Cat in the Hat” was written 52 years ago and it is still a children’s classic. The grinch is a household name, especially around the holidays. How does one author create such a lasting effect, in, of all genres, children’s literature?

To me, what stands out about Suess is the way that he blends elements to create something truly unique. His stories have plots. There is a clear storyline, with a beginning, a middle, and an end. They rhyme. They are beautiful to listen to, and would be even if you did not understand them. They involve fantasy. His creatures are truly mythical, creative, and unique to his work. The locations are totally fabricated. And the stories involve morals and lessons that can be applied to true life. All four of these are common, and great characteristics of kids’ books. But it is a rare treat to find such balance among them.

This, in my opinion, is what makes Dr. Suess and his works live on.

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