Category: Consumerism

  • My FS&G Ebook Spree

    About 24 hours ago I stumbled upon a major ebook sale — and I have no one to tell it too!

    Actually now I am really busy. Been slaving away on a publishing project due in 48 hours.

    But I take occasional breaks and noticed the mention of an ebook sale on reddit. Through playing around with search terms on Amazon, I see that Farrar Strauss and Giroux (FSG) is discounting several of its ebooks to 99 cents. You can access the list here. I count about 50-100 titles if you subtract the story samplers and 10 page stories, etc. It’s owned by MacMillian so I went ahead and did searches of the other prestige publishers.

    If you do a search of different FSG imprints, other 99 cent sales pop up: Picador, North Point Press, FSG Original, Hill and Wang, Celadon Books, Henry Holt.

    Sometimes discounting will occur across a press or imprint; sometimes it will be limited to 2 or 3 authors. When I was mining stuff from Simon & Schuster, I found that it was rotating through lots of sales, to the point where a significant portion of its titles would eventually be discounted. Since that time, there is some global discounting — though it is nowhere on the scale that it was in 2018.

    I used to shout for joy at finding these things. Yes, there was some labor involved in scrolling through irrelevant books. But for a bibliophile, this is hardly an inconvenience; we want to be struck by books that normally might pass us by. But how do I let people know? I posted announcements on my social media accounts, but nobody “liked” it, so I’m not sure that people noticed it or even cared. Am I the only person in this world to get excited by these deals? I bought too many individual titles to list them here. (I’ll list them on my Robert Recommends column in a few days). Last March, I made a similar discovery about discounting from Mariner Books, Open Road Media, Soho Press, Grove Press and Europa editions. But when I hyped this sale up to friends and on social media, I don’t anyone responded. Am I the only one to get so excited?

    Someday — not today — I will write about every book-buying extravaganza I have lived through. Each event is seared in my brain — the hesitations, the joys, the incredible surprise. Yes, I will be the first to admit that I have not read a lot of these books, but now I know about them; now I am instilled with a desire to read things I never knew even existed.

    The last two days — probably the most inconvenient time to face such distractions — is now another milestone in my tireless ongoing quest to accumulate tons of books that no one has ever heard of.

  • New Web Address: Lennin Repizo Barber & Beauty Salon

    The new website for Lennin Repizo is at https://www.lenninrepizo.com/ Lennin Repizo is a hair stylist in Katy Texas. I should know — he is my barber!

    I noticed the other day that they changed their web address, but Google hasn’t figured it yet (even though Bing and Yahoo seem to have figured it out. The name of the company is Lennin Repizo Barber & Beauty Salon, but it also is known as Lennin Beauty Salon.

    For the record, Mr. Repizo is a gentleman from Venezuela who is a terrific hair stylist and always does a great job on my hair. (I have been using his service for 2 years). The hair salon usually has the appointment calendar so you know what times are free.

    Silly Google and Chrome, why can’t you figure out what the new address is? Google used to give a lot of SEO juice to blogs, but over time, that power has declined precipitously. But it probably already knows that my home page updates frequently, that the site has been around for more than 20 years and that it is not a purveyor of spam. So maybe this will hurry up the process; I will post updates.

    • 12 hours later. This page appears nowhere on Google, #7 on Bing, #6 on DuckDuckGo and #4 on yahoo (which is powered by bing). This blog link appears nowhere on Google, and the corrected domain appears at about the #30 search result (this comes from both when I’m logged into google and not). So apparently I wildly overestimated the influence of my blog on google.
    • 5 days later. Apparently Google has accepted my edit for the Google business name, but even when I type in the owner’s name, the lenninrepizo domain is still buried on page 3. Instead we have the previous domain and all sorts of catalogue sites and social media. This blog post is absolutely nowhere to be found. The results are much more interesting on Bing, where Lenninrepizo.com is on the top, and this post is positioned as #4. On duckduckgo, the results are even stranger. #1 is a random post on my blog unrelated to this post. #2 is the corrected revised domain (along with 3,4,5) while 6 goes to this post. Curiously, Bing and duckduckgo seem to take summary from random post sentences, while the blog excerpt seems to appear only on Google.

    One week later, it appears that BING provides the most accurate results, duckduckgo provides the 2nd most accurate and Google provides the least accurate — though to be fair, the Google business info now lists the correct domain after I made a suggested edit. Interestingly, I thought that manually adding an entry for the hair salon as a customer to yelp would improve search prominence, but apparently that doesn’t make a difference. Finally, it’s interesting that the public Instagram page for the hair stylist appears as the #1 result on Google search, followed by Facebook. I conclude that Google is giving a lot of Google juice to social networks — and in a way, Facebook, Twitter and Instagram have to validate the identity of businesses, though not necessarily individuals.

  • Amazon, affiliate program, goodbye!

    To my surprise and chagrin, I see that Amazon cancelled my participation in the Amazon Affiliate program (which I started a month ago). The email announcing the cancellation did not mention the reason, but after reading the terms, I see something:

    z) You will not display on your Site, or otherwise use, any Program Content to advertise or promote any products that are offered on any site that is not an Amazon Site (e.g., products offered by other retailers). You will not display on your Site or otherwise use any data, images, text, or other information or content you may obtain from us that relates to Excluded Products.


    It might be obvious that I have affiliate ads for Smashwords ebooks. I totally get that a company can insist on exclusivity (and in fact I have written extensively about how a litblogger can run ads and affiliate programs ethically).

    Amazon has really crossed a line here. Do they really think literary bloggers are going to agree to exclusive arrangements on ebook ads?

    So to summarize: a multibillion dollar company with a near monopoly on ebook sales has demanded exclusivity for advertising on a personal blog of an impoverished writer linking to ebook pages of an store whose direct sales volume is probably less than 1 or 2 percent of Amazon’s.

    Aside from the fact that Amazon has more sales volume, I believe that Smashwords’ affiliate program is better, fairer and far more profitable to third party websites than Amazon’s own. By default, Smashwords gives a 11% payout on direct ebook sales while for Amazon, it’s 4% or less. If they choose, authors can choose to increase the affiliate payouts to a higher percent, something I have chosen to make SW authors aware of.

    As Smashwords CEO/flamethrower Mark Coker said in his end-of-year blogpost:


    The entire publishing community is now living in fear.

    Large traditional publishers are worried about making their next quarter’s numbers, and are terrified Amazon will take away their preorder buttons if they so much as look at Amazon cross eyed.  Indies are terrified of Amazon’s next price-matching email or KU nastygram, which reminds them that repeated offenses could lead to cancellation of their publishing privileges.  Indies are terrified of seeing their legit reviews disappearing without explanation or recourse. Or, like the NY Times bestseller who contacted me this morning, why should an author fear being kicked out of KU because Amazon might notice that a pirated version of her book was just listed for sale at another major retailer?

    What kind of life is this, living in fear that your business partner who’s supposed to have your back is browbeating you, and threatening to drop the axe on you at any moment?

    All too often, succumbing to Amazon’s offers of quick fixes like KDP Select can feel safer, but this decision can also lead to long term pain, bondage and servitude.

    Exclusivity is a form of censorship.  It says you can express yourself here, but not there.

    Algorithms that give preference to exclusive books are a form of censorship too.  This struggle for free expression predates Amazon, and will continue long after Amazon is gone. ….

    The good news is that Amazon’s practices can’t last.  They’re unsustainable for the creators of books.  Like all forms of oppression, the people will eventually rise up and take back their independence.

    As I mentioned previously, even though I have always been uncomfortable with Amazon’s tactics, first and foremost I want to provide good information for consumers. I will continue to provide links to Amazon exclusive deals and ebooks from their imprints (Little A, Amazon Crossing), but generally I will prefer to link to the author’s personal website than the Amazon page. Also, I will continue running links and ads to Smashwords and other ebook stores. FYI, my next Robert’s Roundup will be on Tuesday March 5 ( 2 days after the annual Smashwords Read-an-Book week has started). I’ll be reporting on the great things I’ve found from that sale.

  • Beware the auto-renewal beast!

    Call me a procrastinator. I plead guilty. (I have also been very busy with a move and a job search).

    For a while I have been meaning to transfer my domain hosting from greengeeks to a slightly more powerful hosting service to accommodate future  web projects. I kept delaying the decision for 2 years (costing me an extra $50 a year), and then I just decided, no, I will just stick with greengeeks for a year (I have had no real complaints about them).

    A few months ago I decided that there was no special reason to stick with godaddy for 5 or 6 personal domains. The cost adds up, and godaddy has no real reason to stay competitive. Then, astonishingly they auto-renewed one of my domains for 3 years in advance! I understand that it’s easy to forget about auto-renewals, but no sane human would have authorized a 3 year renewal.

    I complained and then technical support said, “Sorry, there’s no backsies.” Well, maybe that’s true, but godaddy’s renewal reminder emails only mentioned a one year renewal price. There was absolutely no mention that renewals would be in 3 year increments.  I would have expected at least some kind of courtesy credit for future domain renewals.

    After doing a little bit of research and checking domcomp.com , I finally decided to go with namesilo. They didn’t appear to be that much better than godaddy, but there’s no reason to reward godaddy’s awful customer service.

    On another note, I have noted at how easily companies are adding auto-renewals to the terms of service. Microsoft helpfully auto-renewed my Office account at full price without reminding me it was about to expire. (To their credit, they reversed the charge immediately  after I complained). Since then, I have purchased an MS Office license at a reduced rate.

    It can be hard to keep track of renewals and expiration dates, and forgetting can have serious financial consequences. What if your 12 month no interest purchase is about to come due?

    Luckily, it is not hard to set up reminders. Google Calendar has some way to set up events and then set up reminders. Unfortunately to do so, you first have to go through the rigmarole of  setting up a full-fledged event and change the default notification to email. But it works….

    Update: One hour later, the domain transfer completed. Horray!

     

  • How to Choose a Texas Electric Provider the Wrong Way

     

    Recently I read an analysis by Dr. Dan Wallach on Chuck Kuffner’s blog about how to find the best deal on electricity in Texas. Some areas in Texas allow consumers to choose the provider of electricity to their homes. (But not all – some cities – notably San Antonio and Austin – allow residents to purchase electricity only through a municipal provider. The jury is still out about whether privatizing electricity utilities in Texas has resulted in lower prices.   Many analysts have concluded that privatizing actually brings higher prices – but I continue to have hope that privatizing will eventually bring lower prices – and if not, an electrical grid that is more in keeping what Texas citizens want.

    When you have to choose an electric provider yourself, you can make mistakes (as Dan Wallach explains). One mistake is trying to comparison-shop by comparing variable rates. When purchasing electricity using the Powertochoose.org website, they mix variable rates with fixed rates. Variable rates always start out low, but increase in price without ever seeming to go down. As a result, it becomes  practically impossible to compare these plans – and to do the diligence to monitor the plans actively enough to know when to switch again. Fixed rates are easier-to-compare, and I have found over the years I have found that fixed rate plans lasting 12 months tend to provide the best rates. 6 month rates are a little cheaper, and 24 months tend to be a lot more expensive (I think the 24 month plans factor in market uncertainty – a lot can change in 24 months!). The problem with these fixed rate plans is that after they expire, you are rolled onto a variable rate plan, with its ever-escalating rates. To this date, no electric provider has never sent me a reminder that my plan has expired or is about to expire; from the provider’s perspective, they benefit if you don’t notice that the fixed rate plan has expired, so why should they have to do your homework for you? (Fortunately, there is an easy solution—sign up for an email reminder service and instruct it to email you when the term is about to expire).

    I am amazed at how easy it is to make a bad decision about electric providers.  A college friend with a PhD in Economics chose an expensive coal-laden TXU plan because he had just moved back to Texas and wasn’t aware that you had the ability to choose your provider – he just went with whatever someone told him about. (In two minutes, I was able to find him a plan which was 10% cheaper and 100% green).  Various acquaintances have chosen plans for the most illogical of reasons. One chose “Reliant” because it sounded “reliable” (Reliant-reliable – get it? I guess getting your name on the downtown stadium was good for something).  Another signed up for the coal-dirty Reliant because it had balanced-billing – never mind that it was significantly more expensive than the other plans. A friend chose a plan simply because a friend of hers had recommended it – that was also more expensive. Another friend opted not to choose the “renewable” plan because she didn’t want to have to renew it each time the fixed rate expired.  There are other not-so-obvious problems. When I had Dynawatt (a company I don’t recommend),  I could not make head or tail of the bill (no matter how long I studied it). Everything on the printed bill contradicted what the terms of my contract were, and when I called telephone support several times, each agent quoted me a different rate on my current plan – something which didn’t exactly inspire confidence.

    4 Things You Need to Know about Choosing an Electric Provider in Texas

    This blogpost is going to ramble, so I’ll summarize for people who are in a hurry and need  fast tips.

    1. Texas consumes more fossil fuels than any other state in the US. If Texas were a nation, it would be the 7th largest emitter of greenhouse gases. Electric plants in Texas (population 25 million) emit as much CO2  as electric plants in the COMBINED states of   New York, California, Florida, Massachusetts and Oregon (population: 86 million)
    2. 1 year Fixed-rate plans for 100% green (renewable) energy plans are on average 5-10% higher than comparable coal/natural gas plans.
    3. Don’t choose an electric provider which has received too many complaints. (Check the complaint scorecards on the PUC site and also Yelp if you want).

    There is a fourth point, but let’s save that until the end.  First, let’s go over these three points.

    (more…)

  • Random Ipad Links & Musings

    image A commenter remarks:

    Apple has negotiated a product-placement deal with the fabric of reality itself. All this week, your friends are required to tweet about iPads, and comedians are required to work the iPad into bad jokes. Obama is going to tape his weekly video address while holding an iPad.

    Here are some things that popped into my head after two days of ipad use.

    (more…)

  • The free market can be a time-sink

    There is an entertaining maxim about linux: “Linux is a great OS  as long as the value of your time is nil.”

    Of course, that is unfair; you do spend more time learning linux, but that is compensated by having a deep and intimate  relationship with system commands and window managers. What you miss in the convenience of having access to well-known programs is the resourcefulness of discovering other amazing applications.

    I was reminded of that maxim when I started shopping around for new health insurance in Texas. What a pain!  I thought Aetna was a good plan until they increased the rates twice in four months (It was 148$/month; it will soon be $207 /month.

    I have made many criticisms about the current health care system. Here is another: time and stress. In order to have the optimal plan and rates, you need to stay informed about current rates and do comparison shopping between different services with different rules. It can get absolutely maddening!  Assuming that I decide to change to another company, that means filling out more paperwork and submitting to a telephone interview with a nurse and possibly a doctor’s visit.

    Yes, the free market does bring economic efficiencies, but there is a mental transaction cost associated with change.  In a way, that is why people delay in changing cable companies or Internet hosting companies or  apartments.  You might as well just take off 2 weeks from work to get it done.

    That is completely overlooking the fact that some people do not make good consumer choices; some do not even know how to.  One close friend of mine  makes financial decisions which are almost uniformly bad. Part of the problem is time; part of the problem is that this person doesn’t know how to gather the information to make this decision. But this problem is more common than you think. Whether you are researching a car or a college education or  a graphics program or a laptop, it is easy to overlook a vital bit of information.  If you are lucky,   the only cost of your stupidity is a higher price tag.  If you are not so-lucky, you are stuck with a less-than-optimal car or an oppressive cell phone contract.  There are so many gotchas in consumer  services that I have started to sympathize with those who fall into the traps: the 2 year commitments, the late fees,  the flakey monitor. No one can be attentive enough to avoid all these things.

    Those who point to the free market as always providing the optimal solution overlook the significant cost in extra time – not to mention the inequities in who has the best information. If you read Consumer Reports (or know about the best way to find consumer information), that can save you time and money.   Imagine that your brother was a doctor, your sister was a car mechanic,your father did IT/technical support, your mother was a a lawyer and your next door neighbor was a nutritionist and your wife was  a stockbroker and CPA? Wouldn’t life be a lot easier?

    With health care the people who have the hardest time making sensible consumer choices also tend to be the ones with the least time to do research.  A year or two ago I talked to someone on dialup who was thinking of changing ISPs… to another dialup provider!  The fact that the person didn’t even want DSL tells me that he had no idea how much easier and more convenient DSL would be and how much time it would ultimately save.  But he didn’t understand anything about wifi or routers or broadband modems. He had no idea what he was missing and therefore had no way to make an informed decision. Just surfing for a few minutes at a neighbor’s house using wifi would be enough to change his mind; clearly this person’s friends were clueless as well.  This was not stupidity but just ignorance and the lack of access who knew which solution was most cost-effective. But if this knowledge is not easily available or if a person doesn’t have friends who can recommend things, the person has to shoulder the burden of acquiring the knowledge on his own. Royal bummer! He was planning instead to spend his weekend watching movies!

    Even if this ignorant person made an effort to keep up with the  the latest tips, would life  be more fun or more miserable?

  • How to Complain (Random Tips)

    Consumerist has some fun thoughts about getting complaints resolved.

    One commenter suggests: bringing a lawnchair, a six pack, a novel and potato chips and camp out in front of the company’s  building.

    More seriously, an brilliant commenter recommends depersonalizing the problem and going out of your way not to blame the person you are complaining to.  Suggested phrasing:

    THE BIG ONE: “Listen, I know this isn’t your fault, so I don’t mean to take it out on you. I’m sure you can appreciate my frustration.”

    “You seem like a really nice person, so I want you to know that I’m not trying to be rude to you. I hope I don’t come off that way.”

    Also: Making a Youtube video can help

    I’m kind of an expert of getting resolutions  (since I sued a multibillion dollar corporation and once prevailed). Here are my tips for dealing with customer service representatives (CSR) and getting a speedy resolution.

    1. Initially you should assume good faith on both the company and the people who worked for it. So much of these problems are the result of bad communication or  a misinformed worker. You have a problem only when you are hearing the same thing from more than one person.
    2. Initially when you complain, you  should leave open the possibility that you are wrong. Until you have seen the problem from all ends, you can never really know for sure why the company isn’t handling the matter the way  you think they  are supposed to.  In one case, I complained to Aetna about their denial of coverage about something. They sent a reply explaining why they denied it. Turns out they were right, but it revealed 1)their benefits packet was very misleading and 2)I assumed that information which was valid one year would still be valid for the next year. That turned out not to be the case. I still think Aetna treated me badly (and definitely keep it in mind at year’s end when I decide whether to renew my policy). The point here is that Aetna was acting legally and correctly by their rules – even though their customer service and their communication was still lacking.
    3. Especially for the first or second CSR, you should ask for help in a way that sounds like you are asking for their advice. “In your opinion, what is the best way to resolve this situation?” If you ask them for an opinion, they might recommend a strategy for getting around the usual roadblocks. Getting around roadblocks is your primary goal here!
    4. Never complain about things that you are not trying to get a resolution for. If the customer service  rep who refused to honor your coupon also called you an “asshole,” that may be interesting and actionable, but chances are, any action taken in response to that won’t improve your situation.  Your goal is getting money back, not getting someone disciplined.
    5. If you are talking to an employee or manager in person and they are treating you badly, you should say, “Is your refusal to honor a discount an example of  good customer service?” Basically, you should phrase it “Is Action X an example of your company’s Goal Y?” Many employees in this situation will feel forced to say yes in response. That does not mean that they don’t see your point of view!
    6. Be careful not to raise your voice or start ranting. CSRs learn to tune that all out (and even mock you after you leave).  I once griped at a Walmart cashier about  a really egregious example of bad customer service by one of her coworkers. This woman – who couldn’t be more than 21 – started laughing and said, “Do you think I really care?” This woman was being honest about something other employees were thinking but were too afraid to say.
    7. Keep a time line of your complaint with ample notes on Google Docs. Google docs will datestamp additions and keep your notes in a central place.
    8. If you do telephone them, ask the CSR this question: “do you have the authority to override a fee/reverse a charge/? If the answer is yes, describe your complaint. If the answer is no, say, “can I speak to someone who does have this authority?” You shouldn’t waste your time explaining the problem to someone who is powerless to solve it. Of course, they may not know the answer until they have first heard your complaint, but  it is good to give them an opportunity as early as possible to kick the whole matter upstairs.  Never underestimate the laziness of the frontline CSR; it generally works in your favor.
    9. After the first attempt to address the matter telephonically, do not telephone them again. Instead, conduct the matter entirely by written correspondence. If the matter concerns a substantial amount of money, I recommend certified mail. (But you will need to pay for 2, and the cost in time and money is not trivial).  Scan copies of your correspondence and keep online on Google docs.
    10. The key is in keeping your correspondence as short as possible.
    11. Rudeness in  emails to customer service almost always backfires. The first email should state the facts. The second email should merely point out, “This is the second request – I am getting frustrated”. Only for  the third email are you allowed  to become mildly vicious.

    The reason why certified mail/snail mail works is that most companies don’t take the time to keep records.  It all boils down to who has more diligent record-keeping.

    Another problem is that the company usually sends you lots of boilerplate information, and you may not have access to all the information. Probably the first step to resolving the complaint is getting access to the necessary information. That is not always easy.

    One cause of problems is that you rely on the spoken assurance of an employee/CSR/manager. If it’s not in writing, you really don’t have a basis for complaint, so you need to transfer any oral statement in writing ASAP.

    It helps when CSR resolve the problem over the phone.  (That means the employee is using the preapproved discretionary power to help you – no skin off their backs). But you shouldn’t rely on anything they say – especially if they promise to put a note on your account. Ideally you should send them an email confirming what has been told to you. At the very least, you should keep the statement on your notes in Google Docs with a name and ID.

    My mother (who has worked in upper management) has one solution to all customer service problems: be polite and ask to speak to the supervisor. This strategy has paid off at times, but over the last few years it is becoming less effective.  Here are my problems with my Mom’s  continuous escalation strategy:

    1. When you’re on hold and talking to various people, you are not really creating a paper trail.  You’re also wasting your time.
    2. It’s sometimes unclear whether the company wants a personal business relationship with you or whether its front line staff has been trained to value that relationship. You may be 100% in the right, but if the staff is not trained properly to resolve these things, your barking may be futile.
    3. Many low-level workers have no authority for helping you.
    4. Their boss will be available, but that doesn’t mean they need to address your matter promptly. It’s in their best interest to give you a bit of a runaround first.  Basically you are swapping your waiting time for the ability to speak to someone who can help you. How much is your time worth?
    5. If you are complaining to a smaller company, the boss has fewer rules to work from.  That can be both a blessing and a curse.
    6. The main advantage of talking to a boss is that this person may be more knowledgeable about procedures and policies and know of why an exception would apply. But I have found that they are not really flexible about basic policies or alleged promises made by underlings to a customer.

    Customer service has been deteriorating over the last decade. There’s not much  you can do about it. (Companies generally have stricter policies, less competent employees and much more efficient customer tracking).  I think you need to write off a certain percentage of these incidents to experience (because they were too time-consuming to pursue).  The main “revenge” you can take is to abandon the company without telling them.  Here is a letter I read from a Zig Ziglar book, called I am the Nice Customer who Never Comes Back.

    I Am the Nice Customer

    You may have met me; I’ve been in your store before. I never complain, no matter how poor the service.

    I wait patiently while the employees stand idly by, never bothering to see if there is anything they can do for me. If the produce is bad or the store is dirty, I never mention it.

    I’m respectful to other customers and never complain if other people are served out of turn.  I remain silent. I don’t believe in arguing over such things.

    I seldom take anything back to the store because I have found that employees are usually disagreeable when I do. Life is too short to get into these unpleasant little scrimmages for the sake of a dollar or two.

    I don’t say much…I never complain…I don’t make a scene, as I’ve watched others do…I’m just not built that way. Yes, you may know me. I’m a nice customer, but I’ll tell you what else I am: I am the customer who never comes back!

    That is my revenge for getting pushed around. That is why poor service or rude treatment never upsets me; because I know I ‘m not coming back. It’s true that my method of getting even does not relieve my anger and frustration as quickly as would telling people what I think, but in the long run, it is a far more deadly revenge.

    A nice customer like myself, multiplied by others of my kind, can ruin a business. We can force a store to close its doors while the owner’s wonder why the customers stopped coming in. There are a lot of nice people in the world, a lot of nice customers. When we get pushed too far, we just go down the street to another store. We buy in places where management is smart enough to hire people who appreciate nice customers. We increase the business of these stores by thousands of dollars each year…dollars you didn’t appreciate when I brought them to your store…dollars you lose every time you lose a nice customer.

  • Walt Whitman & Levi’s Jeans

    Here’s an amazing TV commercial for Levi’s Jeans starring…. Walt Whitman!

    Yes, that’s his actual voice reading the 1888 poem America in this video poem/commercial.  Here’s another video poem for Whitman’s Pioneers from Leaves of Grass..this time read by actor Will Greer. (These pieces are directed by M. Blash of the ad agency Wieden & Kennedy).

    Aja Gabel comments:

    When I watch the commercials, I am convinced that I am the mistress of my own fate. I’m just not sure if I’m okay with that fate being sold to me for $40 a pair by a man who worked nearly his entire life to eschew the mainstream. If Whitman wore jeans, he wore them because they were the clothes of the rebellious, not because they were the affordable uniform of the pretty.

    I’m actually all for corporations co-opting public domain images and sounds and stories. It’s good to have a lifeline to previous eras, good to see a contemporary rendering of an early poem. Perhaps it would be better if videographers did these kinds of reworking outside of ads  (so we don’t have to spend so much time guessing at the video’s hidden agenda).  What next – Emily Dickinson being used to sell deodorant?

  • How to Handle a Dispute with a Credit Card Company or a collection agency

    By now I consider myself an expert on handling disputes with credit card companies. I recently had a dispute with HSBC and after some wrangling arrived with a settlement with the company that was fair and just. I’ve learned a lot. Here are two things you can do:

    1. File a complaint with the Consumer  Financial Protection Bureau. It’s impossible to get a reply from a national bank. But the CFPB  is empowered specifically to demand a response from the lender within a set period of time. You should do that as soon as you think there’s a problem. (They also have an outstanding FAQ). See also this summary of how to handle a credit card dispute. Note: if the credit card is issued directly  through  a retailer (and not through a national bank like HSBC or Chase), you may need to file a complaint with the FTC. Check this site to find out where to make your complaint. (3/2012 Note: Before 2011 these complaints were handled by  the Office of the Comptroller of the Currency, but now the  new CFPB  bureau is handling these things).
    2. (if a collection agency is handling the debt), you can send a written demand to provide verification of the debt. This is required under the Fair Debt Collection Practice Act. According to a wikipedia article, if a consumer sends a written dispute or request for verification within 30 days of receiving the §1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Someone wrote a form letter requesting this, and apparently it gets the collection agencies off their backs.

    More humorously, on  a radical site, I see this debt strategy:

    Back 25 years ago, in Grad School, a friend/mentor/prof i knew advocated that anyone worthy of credit exploit their credit-worthiness, and extend their credit purchases as far as possible because, when the crunch comes, the banks will be so busy trying to repossess their really RICH clients, they’ll be too busy for your petty shit…

    (My only disagreement is that during recession, creditors have every incentive to nickel and dime oblivious customers, so watch out!)

    I’m more philosophical about debt; I don’t regard it as evil per se, although it is like playing with fire ( avoid it  if you can). Having lived in two countries without any consumer lending to speak of, I see that access to consumer debt is a great advantage for Americans.  Obviously, you can abuse consumer debt if you’re not careful, and it allows you to avoid facing reality (a common problem these days). But credit cards are neither good nor bad, just a business and a service.

    Overall, for credit cards I recommend Amalgamated Bank of Chicago. I also have really been impressed with Discover Card and Chase. Both have good web interfaces and notification services. HSBC (which is the bank for the branded credit cards you see at Best Buy, etc), is by far one of the worst, and so is Citibank (if they are still around).  I have no experience with Bank of America or Capitol One (although I’ve heard that Capitol One is good for handling currency conversions while travelling). I’ve also heard that credit unions offer extremely good terms for credit cards, something I have not looked into.

    Right now, it’s important that you never make a mistake on paying your credit cards. People  do not know that most credit card agreements give banks the right to impose “default rates” (which means punitive rates…usually 30%) for 6 months if a single payment is as much as a day late.  Typically they don’t invoke this clause but merely impose a one time late fee. In other words, this trigger goes off at the company’s discretion. It is not in the company’s interest to flip the switch to activate the default rate, but they certainly will do so if the company perceives that you are a serious risk. If anything, putting an account into default is a negotiating tactic to extract immediate response.  But remember: if you make one late payment, you may unwittingly be giving the bank to jack up the rates for 6 months.

    This year I started doing more of my bookkeeping on Google Docs and I keep track of things like credit cards. One shock came last year when I learned that certain extra fees were being added to my credit card without my knowledge. If I received print statements, I certainly would have spotted these things immediately, but because I no longer receive print statements, these nasty details were hidden on page 2 of a PDF I had to download. To avoid this kind of scenario from happening again, I started noting every month  how much interest charges are being added to my account every month. It’s an extra step, but at least it gives me a sense that I know everything going on with that account.

    July 10, 2010. I am sorry to report that Chase is now on my Bad Guys  list.  I recently went over my credit limit, and so Chase sent me a notice informing me that they are  raising my interest rate from 14.5 to 21.5 percent. Gee thanks! I guess I won’t be using a Chase credit card anymore.

    Defendyourdollars.org is a site backed by Consumer Reports about knowing your credit card rights and using credit cards properly. Here is a summary of the recent credit card law and a description of the new banking regulations about credit cards published by the Federal Reserve which is scheduled to take effect on August 15, 2010.

    March 23, 2012 Update. Last year I had major problems with the Chase card and asked several times  for Chase to fix the problem. They refused to do this, and I filed an appeal to CFPB. I got a response from Chase within 2 months and a very favorable outcome. Perhaps the specific details (which I won’t go into) were unusual, but when national bank  has to respond to a CFPB complaint from a regulating body, they take it a lot more seriously. I should add that because of the Chase response, Chase is no longer on my bad guys’ list — although I won’t forget the aggravation it caused me.

    August 13 2012. Credit card disputes don’t often reach the litigation stage, but this article discusses how 90% of the bank-initiated lawsuits against deliquent borrowers could be thrown out of court due to lack of evidence.

  • Escaping TV routines

    I have a HDTV and watch TV with an antenna (no cable), so of course I was happy when the switchover to DTV began.

    The only thing is, there is so little good on TV left to watch.

    Yes, there is PBS on (and don’t doubt that I watch as much of it as I can). Also, at night I watch the monologue for Jay Leno, and that is good. Occasionally, when there is a major news story or a presidential speech or awards ceremony, I will watch that too.

    (Observation: I like Charlie Rose, but I can’t stand the fact that his shows never make it easy to find out who he’s interviewing. They absolutely refuse to put subtitles underneath the guest except at the start and finish of the show. Absolutely maddening!)

    But the commercials are insufferable. 8 minutes out of a typical 30 minute TV show are commercials.  Really insufferable. I can’t ignore them anymore (and I don’t have TIVO—although I guess I could hook that up). The problem is, every 3-5 minutes there is another swathe of commercials to wade  through.  Imagine if 73% of your life was dedicated to commercials. If you could recapture that time, that could add years to your life.

    I love sitcoms and occasionally some reality shows and dramas. But my preferred way to watch them is on my computer (after downloading them via bit torrent). I’m a scofflaw? I dare any TV studio executive to sit through 3 hours of shows without turning the mute button on. It would drive a person crazy.

    Despite the fact that my city has about 8-10 channels with actual programming, there are times during the TV schedule when every single channel seems to be featuring a commercial. How is that possible? Yet the networks have access to lots of cancelled TV shows (whose only sin apparently is not being able to attract a minimum audience threshold. When I said there were 8-10 channels, actually there is the potential to have at least 50 more channels.

    Why can’t we have an all music channel (containing songs which record labels hope we will purchase)?

    Why can’t we have “Only One Minute of Commercials per Hour” stations which replay old TV shows?

    Why can’t we have CSPAN on the public airwaves?

    Why can’t PBS buy several more channels to broadcast old educational shows?

    Why can’t there be a channel for Youtube amateurs?

    Why can’t our remote controls let us watch streaming channels from the Internet site  of our choice?

    If you say that I am being unrealistic or that someone needs to pay the bills on these transmitters, how do the heck do those fringe TV networks find the money to bankroll their lunatic religious messages? At least they don’t have commercials!

    One could say: that’s what happens when you don’t buy cable or satellite TV. But have you looked at cable recently? It’s just as bad as normal TV – with the same percentage of commercial interruptions – only it has more channels to choose from; how could anyone regard  that as better?

    (Personally, I find it tedious to navigate through Comcast TV stations with my remote control).

    A few years ago I bought a DVD/media center that allowed the TV to access Windows shares on my computer. I could watch lots of shows if I put them in a folder. It was clunky, and there were issues with codecs, but it usually worked. Then it broke.

    Next month I will be trying Netflix’s video on demand service along with a Roku media box. The Roku costs $99, and it allows me to watch streamed Netflix videos on my TV.  Already Netflix has 12,000 titles to choose from (and that includes complete TV series like Friday Night Lights). All this for $10 per month. I’ve tried Netflix’s video on demand, and I generally haven’t experienced latency or picture quality issues, and reviewers say only positive things.

    Better than the fact that I can choose the movie and TV show to download when I want it, I don’t have any commercials! Horray! Horray!

    Even though the Roku-Netflix solution will make me much better off, still I will miss the routines of the primetime schedule. I am used to scheduling kitchen chores and meals to coincide with the shows I watch. Instead, I download and listen to podcasts about current events, the arts and technology. Tomorrow, instead of watching a Sunday talk show, I will be listening to a 55 minute lecture on climate change by a leading governmental scientist. That’s good, but I have to plan for it. More brain cells wasted on deciding what to watch/listen to tomorrow. Back in earlier times (way back in the last century), we had simpler lives and simpler TV routines; TV shows just came on, and the commercial interruptions were not so bad as to cause us to start flipping or turning the TV off together. Now we have a whole half century of TV programs that could make it on the air, and still we see awful reruns and oodles of commercials.

    In other news, here is the current prices for used boxed sets on Amazon or half.com

    • Cheers 200$ used
    • Friends, $90 used
    • all in the family $170
    • i love lucy $100 used
    • king of queens $100
    • get smart complete series $69
    • honeymooners 39 episodes $20
    • that seventies show $130
    • Seinfeld  $105
    • Sex and the City $90
    • Will and Grace $140
    • Frasier $180
    • The Wire $100
    • Mash $100
    • Angel $65
    • Buffy $120
    • West Wing $110
    • Adams Family $43
    • My So-called Life $30
    • Six Foot Under $70
    • Will and Grace $140
    • Twilight Zone $127
    • Prisoner $40
    • Sanford and Son $33
    • Fall and Rise of Reginald Perrin $28
    • Sports Night $30
    • As Time Goes by (BBC)  $75
    • Monty Python Complete $50

    See also this list of the top series collections.

  • April 11 Bank Protest Planned in Major US Cities

    I don’t know if you’ve heard about A New Way Forward Protest about the bank bailouts. I’m flirting with the idea of attending the protest in Houston . I feel passionately that the bank restructuring was handled incompetently and that lawmakers really don’t have a sense of what voters really want for it.

    It’s kind of strange that all the progressives are solidifying opposition against the bailouts, while at the same time the right-wing populists are doing the exact same thing. In fact, the 3 tenets of the protest movement seem to be things both sides agree on,  even though they are 100% contrary to what the Administration and Congress seems to be voting for.

    I remain interested in economics, but I frequently get confused at policy issues.  Well, confused is not the right word. Undecided. Sometimes I feel as though I don’t appreciate the complexities of our economy; at other times I feel that the so-called financial experts don’t have my national interests at stake. At the same time, I hear profound disagreements by ordinary people about whether we should spend our way out of the recession. Republicans seem to have a tin ear about what the people are calling for: more public investment and safety net assistance, less funding for foreign wars.

    The other issues are global warming and health care. Both are urgent, especially (to me at least) global warming. Each political area contains its share of experts and anti-experts (what I will call people paid by corporate interests to represent contrarian views). At some point, democracies depend on trust. I don’t know everything the Obama Administration is doing; on the other hand, I have enough trust in their leadership and rhetoric to give implicit support to decisions they make—even if one or two of them strike me as weird or counterintuitive.

    Then there are the blowhards. These are speakers with barely a grasp on the issues, but  have a prominent platform in the media universe and a plain style of speaking. Sometimes the crazier these people act, the more attention they end up garnering.

    Then there are the politicians, who basically are ignorant about most issues, but have to parrot the arguments given to them by lobbyists and policy wonks. I’m not criticizing politicians per se; I’m just saying that by definition they have to find their information and opinions second hand.  It is rare for certain politicians to have advanced knowledge about  anything and also rare for them to learn too much about individual laws being passed. Besides, even if members of Congress had more time  to become informed about individual bills, many important laws  are wrapped up in gigantic  omnibus bills, making it hard to vote for an alternative; politicians have to hold their noses when they vote for these things.  Politicians by nature are herd animals and have to decide whether to follow their peers or stage a theatric  resistance in the hopes that the strengthen the support of their most ideological supporters. 

    At least Obama was elected. At least the Administration is speaking with more honesty and transparency and appreciation for the complexities of policies. Obama may end up voting for the wrong policy, but at least I feel confident he won’t be employing as much double-speak  as  the Bush Administration did.

    At the moment, I find economics both fascinating and boring. Perhaps I would be happy if the nightly news had less stories about banking and more stories about Melville or F. Scott Fitzgerald. I’ve noticed that when news shows feature authors, they are covertly trying to promote the sale of more books. Everyone has a book to sell nowadays…except perhaps for me.

    Sometimes I feel that the cure for the banking crisis is for ordinary Americans just to ignore news reports and read a few good books, clean house,  go bike riding, visit family members, lose weight or see a local musician perform. Our first duty as citizens is not to get sucked into national politics. It is an endless time filler, a perennial cause of discomfort and frustration; you might as well be crying  about  Jupiter’s orbit around the sun. Interesting from a theoretical perspective and a pleasant distraction on occasion, but something of no consequence to individuals. Maybe  citizens should declare a moratorium for talk about the political economy and focus on goals which are personally attainable: losing weight, bringing down  the credit card balance, keeping the apartment clean, trying a new recipe, spending more time with the kids.

    As much as I hope the April 11 protest goes well, I think most people would be better off spending a day doing nothing.  Our souls are more important than  economic problems. Our banks are failing, our debt is increasing, our jobs are disappearing. But so what! The birds are still flying, the grass is still green, the blueberries still taste great. The great books are still out there, the girls are still pretty, the children are still hilarious and the bedroom pillow still feels soft and comfortable.  The problem with metaphysical angst is that it consumes too much of our attention; we are too busy with daily routines to dedicate our time to it.

    Now I think I will just go to sleep. 

  • www.HSBCcreditcardsucks.com, a Consumer Gripe site

    Here’s www.HSBCcreditcardsucks.com , a consumer gripe site about HSBC Bank. Fun fact: they are the 2nd largest bank in the world.

  • Lots can change in a single weekend

    I was furious that the Senate stimulus bill was weakened by Republicans who cut funding on education, science research, arts funding and all these worthy things that would be especially worthy in such times.

    I was furious and I emailed my Senator and emailed my friends with my rage. But a funny thing happened. I looked around the blogosphere and find that everybody is outraged as well. (See this snl skit which pretty much summarizes it). See also Rachel Maddow:

    "Cutting food-stamp funding to attract Republican support is proof-positive that the Republicans are not trying to come up with an effective stimulus here. If your house is on fire, and you call your fire department, and your fire department tells you to pour gasoline on the flames, they’re not actually making a good-faith effort to help you put out the fire. They’re not a good fire department.

    "If you’re working up policy to fix an economic crisis, which is characterized by there being no spending in the economy, and someone in that debate says, ‘OK, but cut the spending out of the rescue plan,’ they’re bad at making policy.

    "And you know what? It matters when you’re wrong. A whopping proportion of the Republican rhetoric about stimulus is wrong…. It’s just wrong. The time is now to take the radical step, as Americans — as civic-minded Americans concerned about our future — it’s time to take the radical step of privileging correct information over incorrect information….

    "If you are wrong, from here on out, you should lose the argument and you should lose your political potency. Form a flat-earthers club or something, where you talk enthusiastically to each other about your made-up economic ideas that aren’t based in reality. But get out of the way of the people who are actually trying to save the country."

    This so-called compromise will not stand, I guarantee it.

    While we are talking about a new groupthink emerging, now is probably the time to add some conservative/libertarian bloggers to the regular visits. Arnold Kling’s Econoblog has always been a reliable read about the New Economy (he’s teamed up with two other economists I don’t know, but are probably good).  Here’s his piece on the question of why don’t we yet have 1 universal remote control?

    Cafe Hayek has always been a reliable libertarian blog run by Don Boudreuax. I’ve stopped reading it. Here’s a good deconstruction of that misleading graphic released by nancy Pelosi’s office.

    Tyler Cowen’s Marginal Revolution is also a good read, though for some reason I never got into it. Two reasons. First, it’s more a links blog than an analysis blog (in general terms, I mean). Second (and I’m almost embarrassed to admit it), I don’t like the wide text in the web design. It’s embarrassing because my own blog suffers from exactly the same problem.  I really need to make this looking nicer, with the recession and all.

    Actually though, Yglesias already covers Tyler Cowen pretty well, and some of the techie blogs cite Arnold Kling here and there.

    A few years ago I changed dentists. From my teenage years I saw Craig Leever, and by some strange luck, he continued to be my dentist until about 2003 (that’s almost 20 years!). Craig was a great dentist and just a kind man and father, but it was really inconvenient to see him in the old neighborhood, so I changed to a dentist to a place near my work. The new dentist was different—in some ways better. But her approach to dentistry was radically different. Leever was  aggressive about treatment (with my pocketbook definitely feeling the effects) while Dr. Kan was more of a wait-and-see kind of dentist. Leever had warned me about some major dental work I needed to be done; when the other dentist saw it, she said, no, it’s not urgent (although she understand where Leever was coming from). I realized that sometimes change is good for its own sake sometimes. Why did I automatically think Leever’s approach to dentistry was automatically better? Honestly, I had no idea. (Both dentists were in fact highly skilled). It’s a good idea to change providers  on a regular basis—if only not to become too beholden to a single method of providing health care.  If you go to the same barber shop all your life, chances are that your haircuts will start to be old-fashioned..and even laughable.

    The same is true for reading sources. We rely on journalists and news sources, but every so often we need to realign—if only for a change of scenery.  Several times I have bemoaned how America-centric my blogosphere seems to be. Ok, for programming topics I find blogs in South America and Europe, but for cultural stuff, I almost never venture beyond our borders. (Reading James Fallows is as adventurous as I get).

    Postscript: After leaving to another dentist, I learned through a friend-of-a-friend that Craig Leever died unexpectedly. He was in his 50s and seemed relatively healthy when I saw him. I used to see him at the neighborhood swimming pool with his boys. The passing of a dentist is not supposed to mean much in this world, but a part of me knew that the world had lost someone special.  I’m sure if I do this blog long enough (and there’s no sign I’ll be stopping—although maybe the Chinese php hacker who is trying to take over my webserver will probably terminate my blogging at some point—leaving remnants on the wayback machine). But I’ll probably have several more death posts to write; is it too soon to create a category for it? 

  • Why Homebuyer Tax Break is a Bad Deal

    I frankly am appalled to hear that the Senate voted a $15,000 tax break for homebuyers (according to this article by David Herszenhorn). As usual the commenters have the most insight. See this amazing comment and this one.  It’s awful legislation (it cuts funding for the Arts, climate change research, etc) and it panders to a specialized group of people who don’t particularly need the help. But it’s hardly surprising that this is the brainchild of politicians used to listening to corporate lobbyists than ordinary people.

  • We have a shortage of news analysts who are not millionaires

    Sunday I happened to turn on a Sunday talk show, something I tend not to do anymore. The show was Meet the Press.  The topic of the roundtable was the banking crisis. (Read the transcript).  It was one of those uninspired discussions mired in abstractions and financial cliches (“tax cuts” “need to cut spending” “need to preserve the banking system” etc) .  These were educated and knowledgeable people, and yet they didn’t seem to grasp that the American government has crossed a dangerous line by bailing out banks. They seemed unable to criticize the financial sector for its excesses and unable to differentiate between what industry people were saying and what the American people were saying. Their solutions were basically that the American people needed to suck it up, that we should avoid public spending on infrastructure, that we should avoid regulation of business and let the economy grow of its own accord.

    Here’s typical blather:

    MR. GREGORY:  All right.  I, I, I want to talk more broadly about the, the banks in this country, what’s happening to them and what the government should do about it.  Now, here’s a chart that struck us.  This is the market value of some of the biggest U.S. banks.  The big circle here is back in 2007, the little circle is here in January of 2009.  And look at that, Citigroup in 2007 had a market value of $254 billion, now $19 billion.  J.P.Morgan, $166 billion, now $94 billion.  Wells Fargo, $118 billion, now $68 billion.

    Erin Burnett, why hasn’t the administration been able to do a better job explaining how severe this crisis is to the American taxpayer?

    MS. BURNETT:  That is, that is the ultimate question here.  It is amazing, when you listen to so much of the commentary out there, that it focuses on bonuses or private jet use or, or also just that they’re not lending.  None of these things, really, are, are the real issue here.  And it has been very poor public relations on behalf of the Treasury under Paulson, and even now so far under the Obama administration, to explain to the American people how you cannot have an economy that grows without a healthy banking system.  Japan is the perfect example of that.  They spent their way from a–the, the ratio of 68 percent to 128 percent, they got nothing, because the banks never got rid of those bad loans.  And if banks don’t get rid of bad loans, they don’t lend. And that means new businesses don’t start, people can’t buy homes, they can’t buy cars.  It, it makes sense to people.  And that’s, that’s why you must deal with the banks.

    MR. GREGORY:  Right.

    MS. BURNETT:  That, that, that–it isn’t choosing Main Street vs.  Wall Street.  That is a completely false choice that is being put out there.

    Here is why they are wrong:

    1. The previous Administration has already spent trillions of dollars on defense and subsidies to help various industries (mortgage deduction, etc).
    2. TARP 1 basically didn’t have the desired effect (and TARP 2 probably won’t either).  TARP 1 was recommended by almost every financial commentator on these shows, and may well have been a waste of taxpayer money.
    3. The Citigroup bailout especially didn’t have the desired effect and was unduly generous for business.  A commenter summarized a PBS exchange:

      In fact, The NewsHour With Jim Lehrer had several people in its interview or panel segments who said Treasury cut a bad deal. On both the NewsHour and, later, on Countdown, several guests pointed out that the size of the CitiCorp handout was more than the capitalized value of the entire company.

      Jeffrey Brown asked the guest (whose name escapes me), "So if a private citizen came along with this much money, they could have bought the entire business?"

      "Yes," came the reply, "and instead Paulson only got (the government) a 7% stake."

    4. Domestic spending on infrastructure, education and green technology has been woefully inadequate. Public investment may not be “efficient” in the economic sense of the word, but at least its benefits are distributed, far-reaching and useful generally.
    5. The U.S. has been unable to effect systemic change on the health care system or entitlements.

    Ok, I’m not an economist, but I think these 5 points are beyond debate. These sorts of points are crucial and things which bloggers and economists make all the time, and yet major media talk shows barely mention these things. In the Meet the Press show I alluded to, the guests on the panel consisted of the head of Moody’s (the discredited credit rating agency), a former VP of Citigroup and a son of a multimillionaire. These were actually informed people, but their viewpoints were skewed  to the bias of the industry they came from. What we needed was balance, a liberal viewpoint, someone who can see the banking system more objectively. In fact, the only liberal viewpoint on the show was John Kerry….who himself was married to a multibillionaire!  Kerry has a deep commitment to the public good, but he looks at things from a billionaire’s point of view. Can he help it?

    These national news-and-talk shows receive lots of advertising from financial firms. Saying bad things about this industry could cause advertisers to disappear. This is not entirely a bad thing. Why, for example, couldn’t we have set conditions on banks accepting TARP money that they not use any money for advertisements on TV for the next two or three years? The solution, I’m afraid, is for people to stop relying on the major networks for news. These shows are good for reporting and investigations…not so much for commentary. But it goes deeper than that. Mere reporting is limited to certain subjects. Scandals are ok, but labor unions or minimum wage or deaths in Gaza or peace demonstrations just never seek to qualify as important (the same Meet the Press show had a 10 minute segment about the upcoming Super Bowl, from which NBC hoped to derive significant benefit).

    I consider progressive bloggers  reliable sources of information. (Do I consider myself a progressive blogger? No, I consider myself as someone with progressive views who occasionally blogs about these matters). Would these people make good talk show guests? Maybe, maybe not. That’s partly why I enjoy the old fogey show MacLaughlin Group. Sure, they are blowhards and too concerned with inside-the-beltway politics. They have one conservative guest who I find odious. But at least these people reflect individual opinions and have reasonable contact with the common man. Also, they are not millionaires. But their opinions interest me more than those on the Meet the Press panel. The problem is that Meet the Press called together financial experts to talk about politics. If they were called upon to discuss the best place to put investments or what the economic forecast for the next year will be or what caused the financial meltdown, I would trust their opinions.  Instead they are being asked to comment on public spending questions—matters upon which they have no credibility. I would much rather hear commentary by a group of religious leaders than a bunch of banking experts. What about academics (those fools  locked up in their Ivory Tower)? Robert Reich for example, is an economics professor, and so is Paul Krugman. Both are notable liberals well-versed in economics. They speak the same language as journalists and industry people. Reich  speaks forcefully on labor issues.

    The ideal panel would have 1 journalist, 1 politician,  1 academic type, 1 industry leader and 1 inside-the-beltway political commentator.  These shows often have a false diversity. In the first segment of Meet the Press, the invited guests were John Kerry and Kay Bailey Hutchinson. Why does anyone think that two senators with opposed positions can provide significant insight about anything? Senators (with the exception of maybe Moynihan or Phil Gramm or Paul Simon) are just processors of information. They try to be mainstream politicians; they rarely have original opinions (although occasionally they have original rhetoric). 

    Instead of these point-counterpoint panels, what we need is a group of guests consisting of one person per interest group.  Sure, the environmentalist and the energy executives are always going to disagree about global warming, so they can seem to neutralize one another. But if you added a technologist, a religious leader and a blogger, we could have interesting discussions.

    I do not oppose a group of experts coming together to have a focused discussion about a single issue.   But too often the most interesting thing about these TV talk shows is not what was said but who is not participating in the discussion.