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	<title>Occam&#039;s Razor &#187; Life 2009</title>
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	<link>http://www.occams-razor.info</link>
	<description>Insightful essays on subjects trivial and profound</description>
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		<title>White Christmas</title>
		<link>http://www.occams-razor.info/2009/12/white_christmas.html</link>
		<comments>http://www.occams-razor.info/2009/12/white_christmas.html#comments</comments>
		<pubDate>Fri, 25 Dec 2009 20:03:17 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Snow]]></category>
		<category><![CDATA[Tarsal Tunnel]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1957</guid>
		<description><![CDATA[Our unofficial snowfall from the storm that began a week ago was twenty-one inches. The storm set a December record for recorded snowfalls in the Washington D.C. metropolitan region. Typically, if we get massive snowfalls they arrive in February, often at inconvenient times like Presidents Day Weekend. Many of us Washingtonians were caught with our [...]]]></description>
			<content:encoded><![CDATA[<p>Our unofficial snowfall from <a href="../2009/12/snow_day.html">the storm that began a week ago</a> was twenty-one inches. The storm set a December record for recorded snowfalls in the Washington D.C. metropolitan region. Typically, if we get massive snowfalls they arrive in February, often at inconvenient times <a href="../2003/02/our_snow_event.html">like Presidents Day Weekend</a>. Many of us Washingtonians were caught with our snow pants down this time, counting too much on global warming and figuring our rarely used snow shovels would carry us through whatever mild dusting we could get.</p>
<p>In the last week, the snow has not so much melted as collapsed under its own weight. It is now about half its size. A snowplow finally came down our street on Monday, threw some sand on the streets but could not be bothered to actually plow to the curb. Since then, it has retired to wherever snowplows go. While this approach keeps our taxes low, it also means that to get your car onto the street you must shovel six feet or more into the street. I knew there was some point to all that weight lifting I was doing. Shoveling snow turned out to be excellent cardiovascular exercise. My arms were stiff as a board three hours later, but my back was intact and I felt only winded. Our street is still a mess of half cleared pavement and packed ice and snow. Driving down the street is like driving over a washboard.</p>
<p>The upside is the first genuine White Christmas in my thirty years of living in this area. The streets are mostly clear of snow but at least a dozen inches of snow solidly cover the ground, and most roofs are still covered with snow. The snow looks likely to hang around through the New Year.</p>
<p>In many ways once the frantic rush of holiday preparations are behind me, this is the best part of the year. At work, so many people are on leave that the building is half (or more) empty. I walk largely alone down darkened corridors, even in the afternoon. The usual hundred or so emails that clog my inbox are down to about twenty. Work feels more like a vacation. I find time to do things I don’t usually have time for: reading back issues of IEEE Computer and slogging through a book on software testing. For me, these sorts of activities are almost fun. It is far more interesting than budgets, supervising employees, reviewing travel authorizations and working on requirements. Now I too join the vacationing crowd, with plenty of leisure at home until I return to work on January 4<sup>th</sup>.</p>
<p>The presents under our tree were fewer this year, in part due to snow that made shopping the last week before Christmas a living hell. I tried on Christmas Eve to make a final run at a Barnes &amp; Noble. I should not have bothered. Cars were queued a dozen long waiting for a free parking space. Heaps of snow occupied other parking spaces. Still, our Christmas was cheerful enough. There was ample time today to enjoy the first DVD in my new set of <a href="http://en.wikipedia.org/wiki/Hornblower_%28TV_series%29">Horatio Hornblower episodes</a>.</p>
<p>Mostly this holiday season I am struck by how fortunate I am in a time when so many people are hurting. I am in my peak earning years with little likelihood of unemployment. Even if unemployment were to strike, I have ample money and decent job skills that should see me through bad times. Overall, we are doing exceptionally well. Most of the medical issues that bedeviled my family and me are behind us with a few exceptions. One that still bedevils me is the <a href="../2009/05/the_agony_of_the_feet_part_two.html">tarsal tunnel in my right foot</a>. This hopefully will be solved on January 14 when I undergo tarsal tunnel surgery along with nerve release surgery <a href="http://www.georgetownuniversityhospital.org/body.cfm?id=1628">from this guy</a> at Georgetown University Hospital. Then I get to enjoy a couple weeks at home recuperating, where my largest problem will be keeping the stitches on my ankle from rupturing for three weeks. Whatever work I can do will have to be done at home. Our cat Arthur will be quite happy.</p>
<p>Until then, I look forward to leisure and clearing the detritus out of our house and off my desk. I hope your holidays are happy too.</p>
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		<title>Snow day</title>
		<link>http://www.occams-razor.info/2009/12/snow_day.html</link>
		<comments>http://www.occams-razor.info/2009/12/snow_day.html#comments</comments>
		<pubDate>Sat, 19 Dec 2009 17:30:46 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Snow]]></category>
		<category><![CDATA[Snowpocalypse]]></category>
		<category><![CDATA[Weather]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1939</guid>
		<description><![CDATA[We have a foot of snow so far, and the snow is still coming down frantically. It is hard to see out my northern facing window. No plow has bothered to come down our street. Only a few cars are even bothering to try to drive through the snow, and they are only the ones [...]]]></description>
			<content:encoded><![CDATA[<p>We have a foot of snow so far, and the snow is still coming down frantically. It is hard to see out my northern facing window. No plow has bothered to come down our street. Only a few cars are even bothering to try to drive through the snow, and they are only the ones with four-wheel drive. If I got a newspaper this morning, it is buried under the snow somewhere. I dug out one lane to the street and there was no newspaper to find. I guess I will have to read it online.</p>
<p>Blizzards do have certain advantages. They tend to focus the minds of us Northern Virginians, which means we make frantic dashes to stores to stock up on snow shovels, milk, bread and toilet paper. What’s with the toilet paper? Isn’t that why we invented Costcos, so we could stock up in bulk? I have enough in my basement to see me through February, at least. This focus on essentials of course meant gridlock in general yesterday, and this was before a flake of snow fell on the ground.</p>
<p>So the actual blizzard now underway is somewhat anticlimactic. Life becomes pretty simple. You stay indoors, hope the power stays on, and start digging out once the storm passes. All those busy plans I had for today are blown away. I was supposed to give a final exam today. The exam was all prepared, but I was unprepared for the campus closing. What do you do in this case? I wrote the dean, who said in her thirty-six years in academia she has never seen this happen. What you do is (with the dean’s permission) make up a policy on the spot. So I am giving my students the options of getting their grade based on their work so far (since grades are due by Tuesday) or taking the exam later and maybe getting an incomplete. If I know my students, they will all opt for skipping the exam altogether. This is fine with me. The end of the semester is always the hardest. Students want to begin recess. Professors like me are sick of our students and all their little quirks and hassles. These include disputes over grades and homework, belated requests to take quizzes later and dubious excuses like they had to go out of town because grandma or Uncle Fred passed away. It is all suddenly moot, thanks to the blizzard. Post some grades online and the semester is over. Let the holidays begin.</p>
<p><a href="http://www.occams-razor.info/wp-content/uploads/2009/12/blizzard-20091.jpg"><img class="alignnone size-full wp-image-1943" title="The view outside our living room windows, 4 PM 12/19/2009" src="http://www.occams-razor.info/wp-content/uploads/2009/12/blizzard-20091.jpg" alt="" width="640" height="480" /></a></p>
<p>Except, of course, I am behind on holiday shopping and this blizzard puts me even further behind. The Christmas cards were frantically assembled yesterday. Now stamped, they have no place to go. Meanwhile, I try to think about what to give my wife and daughter, who have pretty much everything they could possibly want. How much better am I supposed to make life for them? But for a day or two, no worries. We will be landlocked and even the 7 Elevens will be closed. For the moment, worrying is moot. Instead, you sleep in late, eat leisurely breakfasts and have as sex with your middle aged spouse as frequently your middle aged bodies will allow.</p>
<p>Still, this blizzard is exciting because of its timing just six days before Christmas. It virtually guarantees a rarity here in Northern Virginia: a white Christmas. Bing Crosby was right: “Just like the ones I used to know”, but it was oh so long ago when I was living in upstate New York. Around here, a white Christmas is something you enjoy once a decade if you are fortunate. “White” counts if there is any snow on the ground, so some dirty and gunky snow in a parking lot counts, even if it is mostly melted. I have counted a “white” Christmases where there was just a dusting of snow on the grass. This one however will be truly white. There is no way that all this snow can melt before Christmas, not even with global warming. The ground will be solidly covered on Christmas Day. Considering what a crappy decade this was, thanks to Mother Nature we will be leaving it behind on a high note.</p>
<p>So instead of frantically grading exams and posting grades, I will help put up the artificial Christmas tree and assorted holiday decorations. <a href="../2007/12/have_yourself_a_bob_rivers_christmas.html">Chipmunks Roasting on an Open Fire</a> will go on the stereo to regale us while we hang the ornaments and string lights. One difference this year: we are having a more ecologically friendly Christmas. The incandescent light strings are out: the new very efficient LED light strings are in. They festoon our front porch and soon will adorn our Christmas tree as well.</p>
<p>Also later today will come the smell of frantic banking as my wife and daughter roll and bake gingerbread cookies. For me this is good news, as I don’t like gingerbread cookies, so I likely won’t eat any. This in turn is good for my waistline during this perilous gastronomic time of year. I may have time to wrap the few presents I have bought and place them under the Christmas tree as well. In addition, there is always belated vacuuming and bathroom cleaning to be done. For a day, I can be a domestic god.</p>
<p>We have tickets to see <a href="http://kennedy-center.org/calendar/index.cfm%3Ffuseaction=showEvent%26event=TKTSC"><em>Young Frankenstein</em> tomorrow at The Kennedy Center</a>. It is unclear whether the roads will be passable enough to get there for our matinee show, or if it will be put on at all due to the weather. In any event, there is nothing that I can do about it. Mother Nature will decide. It has rendered all else moot.</p>
<p>Since our power lines are buried underground, I expect the power and the heat to stay on. This, the chance to blog and surf the web indiscriminately, and putting up some Christmas decorations will keep me happy. In fact, I will be much happier than if the blizzard had not arrived at all.</p>
<p>Let it snow.</p>
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		<title>Loaves and fishes</title>
		<link>http://www.occams-razor.info/2009/11/loaves_and_fishes.html</link>
		<comments>http://www.occams-razor.info/2009/11/loaves_and_fishes.html#comments</comments>
		<pubDate>Fri, 20 Nov 2009 00:00:31 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Sociology]]></category>
		<category><![CDATA[Charity]]></category>
		<category><![CDATA[Compassion]]></category>
		<category><![CDATA[Homelessness]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1883</guid>
		<description><![CDATA[Our minivan has been sitting a bit closer to the road recently. For a change, it is full of cargo: non-perishable food and donated clothing. In fact, our dining room is currently more of a pantry, full of boxes and bags of food including the perishable variety like bags of potatoes and onions. This food [...]]]></description>
			<content:encoded><![CDATA[<p>Our minivan has been sitting a bit closer to the road recently. For a change, it is full of cargo: non-perishable food and donated clothing. In fact, our dining room is currently more of a pantry, full of boxes and bags of food including the perishable variety like bags of potatoes and onions. This food and clothing is not for us. We are doing fine. It is for the hungry, the malnourished, the homeless and the displaced.</p>
<p>I would like to take credit for all this laudable charitable work but I had little to do with it. My life is full of matters that are more mundane. They include my full time job, teaching part-time and, oh yeah, writing a blog entry a couple of times a week. This is not to say I do not also give to charities. I write checks to charities all the time as well as contribute 1% of my salary to the <a href="http://www.opm.gov/CFC/">Combined Federal Campaign</a>. Periodically, but especially when the money is flush, I give back some of it to the community by sending checks to charities I care a lot about, but rarely enough to actually visit. Some of these charities include <a href="http://houseofruth.org/">House of Ruth</a> (a shelter for abused women in Washington D.C.), <a href="http://some.org/">So Others Might Eat</a> and the <a href="http://www.uusc.org/">Unitarian Universalist Service Committee</a>. When disasters happen, I am one of the first to send three figure checks to places like The American Red Cross. I am sure my cash is greatly appreciated but my contribution is rather abstract.</p>
<p>Engaging in charitable work first hand takes a tougher soul. It takes someone like my wife. Her motivation might come from remembrances of hard times growing up and now has the means to give back. Nonetheless, for most of our marriage she was content to let me write checks to charities and sleep in late on Sundays. Lately though she has had something of a midlife renaissance. She has become a one-person force of charity.</p>
<p>It all started one Sunday at her Buddhist temple. When it came time for announcements, she stood up and asked why the temple was not doing any charitable work in the greater community. Everyone sort of looked at each other. No one had really raised the question before. When that happens, the onus often comes back to the questioner to do something. So she did. She knew that many of the local food banks were doing relatively well, so she cast her net a little further out. Using the power of Google, she soon found places like <a href="http://www.communitytouchinc.org/">Community Touch</a> in Fauquier County, Virginia. Soon she was dialing them up and asking, “What can our temple do to help?”</p>
<p>A week later, she reported back to her congregation but for the most part they still looked at each other with blank expressions. Then she brought a plastic box with her to services put it in the Sangha Hall with a sign above it saying “Donations for the poor”. Every week during announcements, she persistently brought up the issue of helping the poor.</p>
<div id="attachment_1888" class="wp-caption alignnone" style="width: 610px"><img class="size-large wp-image-1888  " title="Transitional Housing at Community Touch in Bealeton, Virginia" src="http://www.occams-razor.info/wp-content/uploads/2009/11/community_touch11-1024x768.jpg" alt="Transitional Housing at Community Touch in Bealeton, Virginia" width="600" height="433" /><p class="wp-caption-text">Transitional Housing at Community Touch in Bealeton, Virginia</p></div>
<p>At first, just a couple items trickled in. When the pile got high enough, she would drive out to one of her selected charities and deliver the goods. What she found often appalled her. In the Shenandoah Mountains, she found a food pantry with only a few cans and boxes on the shelf. At Community Touch in Bealeton, Virginia she found that The Clara House Food Pantry was nearly bare too. The following Sunday during announcements, she reported back again to the congregation on her first hand observations. Slowly, donations started to increase. Most Sundays she would haul back donations to our house.</p>
<p>By July, it was clear that my wife had found a new calling. One of her deliveries coincided with one of my days off, so I volunteered to drive up to Bealeton too and visit Community Touch. I spoke with the director. I took pictures. I asked questions. In part thanks to my wife’s work, their food pantry was now much better stocked. I examined the Victory Transitional House, a large ranch house with multiple kitchens and numerous rooms. It housed some of the area’s homeless families. Each family had their dedicated pantry space and their own rooms. Slobs were not allowed. People had to follow certain rules including keeping their room and the common areas clean. Outside was a playground for the children.</p>
<div id="attachment_1889" class="wp-caption alignnone" style="width: 610px"><img class="size-large wp-image-1889  " title="One of the kitchens at Community Touch" src="http://www.occams-razor.info/wp-content/uploads/2009/11/community_touch21-1024x768.jpg" alt="One of the kitchens at Community Touch" width="600" height="433" /><p class="wp-caption-text">One of the kitchens at Community Touch</p></div>
<p>When we visited at midday, the place was quiet. Most of the homeless were not jobless, and were either at work or looking for work, while the children were in day care or public school. This is the changing face of homelessness in America today. While many are out of work, many also remain employed, although they may have traded full time jobs for scattershot part time employment. Many of the homeless got this way through a series of unfortunate events. Expensive medical issues cropped up. They became exacerbated because they could not afford health insurance. This was often manifested in an inability to show up at work. At best this meant they kept their jobs but took home less money. In some cases, they were let go. Their landlords were largely unforgiving and, living paycheck to paycheck, within a few months they were out on the street. Some lived in their cars. Some live in the woods in and around Bealeton in small Hoovervilles. The fortunate ones end up at places like Community Touch where at least for a little while they can try to get their lives back in order.</p>
<p>When you spend time at places like Community Touch, you hear stories. You hear about the homeless man sitting outside a Food Lion, and the nice people working there who bought him some food and drove him to Community Touch. You find out that he took a bus from Baltimore to Richmond because he heard there was work, ran out of money, tried to thumb his way back to Baltimore only to find himself sitting on the concrete, homeless and hungry. This man was fortunate. Many others are not so fortunate. They can be found in the woods or scrounging garbage bins at local 7 Elevens.</p>
<p>Charitable work does tend to peak during the Holiday season, which explains in part the mountains of food and clothing now occupying our minivan and dining room. It culminates this weekend. My wife, my very own force of nature, has many people from her temple meeting tomorrow and hauling their donated items to Community Touch. In Bealeton they will meet others including people from The True Deliverance Church of God, who run Community Touch. Using their many donated items, they will assemble Thanksgiving dinners to go for the homeless and hungry of Fauquier County. Many turkeys have already been donated by local food banks and are being cooked en masse tonight. She and many members of her temple will be there to help.</p>
<p>Most of you are familiar with the miracle of the loaves and fishes. Many devout Christians believe Jesus somehow fed an unexpected multitude with a single loaf of bread and a fish. At least when Jesus is not around, it works this way: someone like my wife stands up inside their community, poses the question and then largely by herself start to address the problem. Those inside the community at first feel hesitant because they are used to the way things have always been. However, if like my wife she persists, and she does so with a generous heart they find themselves drawn into caring about the poor too because they know and care about her. And so one loaf and one fish multiply into a van stuffed with food and donated items which might have otherwise gone toward evenings out and buying an Xbox. Moreover, a dozen people from a Buddhist congregation venture sixty miles into the wilds of Fauquier County to work with people of a different faith they do not know. They help them feed the unfortunate who live among us, but whom for the most part we choose to ignore. As a result, at least some of the hungry are fed. Moreover, new connections occur between people that likely would never have otherwise met. The circle of people who care about others unlike themselves grow. The social fabric of our society mends itself a bit. Love and compassion spreads a bit.</p>
<p>I know that people who would otherwise go hungry or be malnourished will soon have a full belly, thanks to my wife standing up in her congregation and leading them with humanity forward toward a larger fellowship. I am blessed to be married to such a warm, caring and compassionate woman.</p>
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		<title>Are 1000 posts enough?</title>
		<link>http://www.occams-razor.info/2009/08/are_1000_posts_enough.html</link>
		<comments>http://www.occams-razor.info/2009/08/are_1000_posts_enough.html#comments</comments>
		<pubDate>Sat, 29 Aug 2009 00:27:42 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Blogging]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1752</guid>
		<description><![CDATA[Back on March 31, 2006, some three years after I started my blog, I posted my 500th post. Today, August 28, 2009 I have reached another major milestone: my 1000th post. That’s a lot of posts! Moreover, each post was edited four times prior to publication. The average length of each post is currently 1,114 [...]]]></description>
			<content:encoded><![CDATA[<p>Back on March 31, 2006, some three years after I started my blog, I posted my 500<sup>th</sup> post. Today, August 28, 2009 I have reached another major milestone: my 1000<sup>th</sup> post. <a href="http://www.occams-razor.info/word_count.php">That’s a lot of posts!</a> Moreover, each post was edited four times prior to publication. The average length of each post is currently 1,114 words. In short, this blog has been an endeavor requiring a huge amount of my time and talent. Overall, it has been fun to blog these many years, and gratifying to know based on comments received (often years after the post) that at least some of my posts have provided insight, discussion and amusement.</p>
<p>In March 2004, I started metering the blog with SiteMeter. Since then, SiteMeter has recorded over 250,000 visits and over 343,000 page views. Yet, it is clear that the majority of my visitors do not stick around. They are brought here by a search engine and typically leave soon afterwards. However, a few do stick around, but exactly who they are is mysterious since unlike many blogs, I receive relatively few comments (636 to date).</p>
<p>By some measures, I have more regular readers than ever. Feedreader says I have 42 readers, and I am sure I have others who are subscribing via email. I also have 15 people following me on Twitter. Yet overall, browser based traffic around here has dropped. Whereas I used to average 200 to 300 page views a day, now it is closer to 150.</p>
<p>Some of this may because content is moving away from browser-based HTML into newer forms of syndication like RSS. Part of this is also likely due to it being summer, when traffic typically dips. Some of it is also likely me. Inspiration comes less often now. Most of my best posts are five or more years in the past. The result is while I am still pleased with the quality of my writing, the content tends to not be as fresh or as interesting as I would like it to be.</p>
<p>So there are times when I feel throwing in the towel. Perhaps I have said nearly everything worth saying in 1000 posts. For now I will keep plodding away, adding to the some 1,113,000 words I have posted since December 13, 2002.</p>
<p>However, I could use some inspiration. If you appreciate the blog, or read the blog regularly, this would be a good time to leave a comment reassuring me that my words are still worth reading. I would hate to shut down this long-standing blog, but its time may be nearing an end. Whether it ends, dear reader, may depend on your feedback.</p>
<p>In any event, thank you very much for reading!</p>
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		<title>On the movable walkway called life</title>
		<link>http://www.occams-razor.info/2009/07/on_the_movable_walkway_called_life.html</link>
		<comments>http://www.occams-razor.info/2009/07/on_the_movable_walkway_called_life.html#comments</comments>
		<pubDate>Sat, 25 Jul 2009 16:16:08 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Best of Occam's Razor]]></category>
		<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Philosophy]]></category>
		<category><![CDATA[Death]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Space-Time]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1692</guid>
		<description><![CDATA[As you may have noticed, one consequence of being born is that you eventually must die. It may seem unfair, but that’s just the way it is. We are all prisoners in our own unique time stream. We step onto our time stream (we assume) at birth, although some part of it begins at conception. [...]]]></description>
			<content:encoded><![CDATA[<p>As you may have noticed, one consequence of being born is that you eventually must die. It may seem unfair, but that’s just the way it is. We are all prisoners in our own unique time stream. We step onto our time stream (we assume) at birth, although some part of it begins at conception.</p>
<p>Yes, our life is undoubtedly a time stream. It is like one of those very long movable walkways that you find in large airports that carry you inside or between concourses. Its speed is constant. During the time you stand on the walkway, you stay in one place while things move around you. Eventually the walkway ends and the journey stops. We get off the walkway when we die but while we are on the walkway, we are its prisoner.</p>
<p>Unlike the movable walkway, we are not entirely sure how we got on it in the first place. The walkway behind us is quickly shrouded in mist and the walkway ahead, except for the first couple of feet, remains a dense fog. However, we can look to our left and our right and enjoy our limited view.</p>
<p>Unlike walkways in airports, this walkway is very wide. In fact, we cannot see either of its sides. Yet we know we are on the walkway because things are happening all around us. Suns rise and set. Seasons pass and return. Things that looked shiny and new last year lose their luster this year and in a dozen years are often dysfunctional or obsolete. Trying to find the edges of the walkway is as futile as trying to sail off the edge of the world. Space and time curve all around us. We cannot see the curve but we sense it is there. We feel its truth: that we are a singularity in a matrix called space-time. Ephemeral things, some alive and some not surround us. They are often beautiful. At its best life resembles a magnificent kaleidoscope. We often feel like we are sitting in a theater and our life is unfolding on the screen.</p>
<p>It is natural to wonder what happens when the movie that is our life ends. Are there credits? Were we really its producer and director, or just the unknowing actors? These may be impenetrable questions, but sages and common people have pondered them for time immemorial. The atheist believes that when our movie comes to and end, the lights go out and we are simply nothingness. The theist believes there is a producer. Some believe there is a producer and director. The producer is called God. The Christians call the director Jesus. The Muslims call him Muhammad. The Hindus believe there are many producers and directors and they often slip between their roles. Some of these directors coach us more than they coach others. The Buddhists think that like the Great and Powerful Wizard of Oz, when you pull back the curtain you find another human like yourself (perhaps yourself) at the control directing the special effects. The agnostic doesn’t know if there are producers or directors. He does not exclude them but has a hard time trusting what he cannot see. The humanists are unconcerned about how we got on the walkway or where it will end, but is only concerned about the state of the walkway right now and how we can all live more happily in the present</p>
<p>In general, the longer you stay on the walkway the more you feel the past fade. You see the collection of things you have surrounded yourself with disintegrate before your eyes. You watch people, many of them loved ones, mysteriously drop off the walkway altogether, particularly as they age. The more you witness these events, the more certain you become that your walkway will end for you too at some murky time in the future. A relative handful finds the walkway very annoying. They take their own lives, figuring wherever they end up, if anywhere, is less painful than the present.</p>
<p>How should you spend your time while you remain on the walkway? This too is a topic of great concern for the people on the walkway. Some people are much more concerned about the <em>next</em> walkway. They advise that we should spend much of our time on this walkway preparing the next one. For theists there are generally two walkways that occur after death: one toward heaven, glory and salvation and the other toward hell and misery. To the Buddhist, our walkways sort of cycle backs on itself. They are confident that after death we are quickly deposited into another walkway. While our memories of our last life will be erased, we will carry our personalities and predispositions into the next life. Nirvana is the act of getting off the time stream altogether. Meditation and living simply are the keys. Enlightenment is the goal. You reach nirvana when you have achieved full enlightenment. Then they assert the carousel finally stops, you can dismount, exit and see what, if anything, is real.</p>
<p>Sometime in my early 20s, I remember being profoundly shaken that I was aging. Before entering adulthood, old age was so far enough away that it was abstract and hence nothing to worry about. Grabbing the reins of adulthood made me feel that life was in reality fleeting. Now in my 50s, I still feel the steady passage of the years. It feels like I am at the bow of a ship heading into the wind. The wind tears across my face but the infinite sea ahead is as mysterious and impenetrable as ever.</p>
<p>Strangely at age 52, while I remain leery of death, it no longer seems as fearful while at the same time it feels more tangible. I now accept that I am born to die and that’s just the way it is. It is natural to be inquisitive about dying and death, but to be obsessive about it the way I was in my twenties now seems a great waste of my life’s energies. Whatever movie I am in, it is not a bad movie and it gets more engrossing as the years pass.</p>
<p>Today, it feels more natural to be in the moment than to peer into an impenetrable far future. I see progress in myself and in my life. Some part of me longs for the immortal feeling of youth again, but some other part of me is also glad it is in my far past. I am more comfortable, more ordered and find more meaning now than I did thirty or forty years in my past. I feel grounded, but not rooted. My feelings will probably continue to change as I age, but right now, I accept life for what it is. I accept that it must end and feel that embracing the present is the healthiest thing for me. The movable walkway <em>is</em> my home, so I had better enjoy it and take care of it as best my limited skills will allow.</p>
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		<title>Unitarian Universalists invade Salt Lake City</title>
		<link>http://www.occams-razor.info/2009/06/unitarian_universalists_invade_salt_lake_city.html</link>
		<comments>http://www.occams-razor.info/2009/06/unitarian_universalists_invade_salt_lake_city.html#comments</comments>
		<pubDate>Fri, 26 Jun 2009 03:28:12 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Sociology]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[Mormons]]></category>
		<category><![CDATA[Salt Lake City]]></category>
		<category><![CDATA[Unitarian Universalism]]></category>
		<category><![CDATA[Utah]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1633</guid>
		<description><![CDATA[Salt Lake City is one of the great cities to arrive at by air. You descend over the tops of the Rocky Mountains. You feel like your plane may scrape one of the summits, and then gently descend into the Salt Valley. Even in late June you can still see some snow on the mountains. [...]]]></description>
			<content:encoded><![CDATA[<p>Salt Lake City is one of the great cities to arrive at by air. You descend over the tops of the Rocky Mountains. You feel like your plane may scrape one of the summits, and then gently descend into the Salt Valley. Even in late June you can still see some snow on the mountains. The city unfolds around you as you approach from the south. Out the window I watched the Great Salt Lake glimmering in a setting sun. Unlike the busy hub of Atlanta where I had left, Salt Lake&#8217;s airport is rather serene in the evening. It is also unusually close to the center of the city. A few volunteers with the Unitarian Universalist Association greeted me as I descend toward baggage claim. They noticed my Serenity T-shirt and giggled. They should have known I was a UU just from the T-shirt. A shuttle to my hotel awaited. Fifteen minutes later I was at my hotel, the <a href="http://www.littleamerica.com/slc/">Little America Hotel</a> in downtown Salt Lake City on a warm and dry Tuesday night.</p>
<p>Salt Lake has grown up since 1996. The Salt Palace Convention Center is still there but the mall across the street has been torn down. Condominium skyscrapers are going up in their place. Some of these buildings are so high that they tower over nearby Temple Square, a sort of Vatican City for Mormons. All this construction suggests that mammon may be Utah&#8217;s real religion. Yet within a block or two of the convention center there are plentiful vacant storefronts. Utah, like much of the west, is hurting in this economy. Still, the city seems to be shrugging off hard times and building for a boom they have faith will arrive eventually. Its leaders are thinking strategically. There was no light rail system back in 1996, but it has arrived in 2009. I can pick it up at a stop a block from my hotel, but it is better to walk the five blocks or so to the convention center for exercise.</p>
<p><img class="size-full wp-image-1634 alignnone" title="Preparing for the Banner Parade at the UUA General Assembly, Salt Lake Ctiy" src="http://www.occams-razor.info/wp-content/uploads/2009/06/uua_general_assembly_2009.jpg" alt="Preparing for the Banner Parade at the UUA General Assembly, Salt Lake Ctiy" width="450" height="600" /></p>
<p>Unitarian Universalists from across the world have arrived in Salt Lake to occupy the city, or at least its downtown. The plentiful Mormons are happy to have our business, and seem a happy bunch in general. I know I am not in Northern Virginia when I cross the street at a crosswalk in the middle of the block and the cars actually stop. In Northern Virginia or DC such a brazen act would likely get you run over. Their economy may be close to being in shambles, but the people of Salt Lake City never forget their manners. Even the tough looking types will offer a pleasantry when you pass them on the street.</p>
<p>The UUs tried to string a five story high banner from the convention center, but it didn&#8217;t quite work. &#8220;Standing on the side of love&#8221; is the theme of this General Assembly. One of the ways we are standing on the side of love is by standing up for marriage equality for same sex partners. In this reddest state in the Union, this could be dangerous. Salt Lake City though is a tiny dot of blue in an otherwise deeply red state. It has two versions of a city paper and a progressive Democratic mayor. Perhaps this is because the city, white as Wonder Bread back in 1996, is now becoming a tad Pumpernickel. African Americans can be seen unloading baggage at Salt Lake City airport, and Hispanics can be found as hotel maids and working at the local Wendys. Perhaps the whites of Salt Lake City no longer wanted these jobs.</p>
<p>A few of us representing the Reston, Virginia contingent of Unitarian Universalists manage to meet up Wednesday night in the exposition hall at the Salt Palace Center. As this is my first General Assembly it is both exciting and comforting. I am very much at home, with or without members of my church, for we speak a common language and share similar values. It has gotten to the point that I can spend five minutes or so with anyone and tell with an eighty percent probability whether they are a UU or not. The normal signs would be a hybrid automobile and a Darwin fish on the rear fender, but in person you can often tell from the way they look &#8211; it&#8217;s a certain crease around the eyes. There are other clues, like the chalice that many are wearing as jewelry. The flaming chalice is the symbol of Unitarian Universalism.</p>
<p>Still, there is a big difference between attending a service at your local church and being in the presence of four thousand other UUs at an opening plenary session and service. Frankly, I found it a bit overwhelming. The plenary session started out with a banner procession. Each congregation has a banner and they paraded around the enormous room with their banners to the great applause of fellow UUs. While the vast majority of UUs are centered in the United States, we had UUs from Africa, Europe and the Philippines in attendance also. Outgoing UUA president William Sinkford delivered a report to the membership that I found surprisingly stirring. You might think a relatively small faith like ours might not have made much of an impact these last eight years, but you would be wrong. From opposing the Wars in Iraq and Afghanistan, to being at the vanguard of marriage equality, to our outreach to the Muslim community, UUs have made great strides under Rev. Sinkford&#8217;s leadership. We also have had <a href="http://occams-razor.info/2008/07/the_real_danger_of_being_liberal.html">two unwitting martyrs</a>. A new association president is to be voted in later this week. The campaigning is hot and heavy on the convention floor. Should we choose a Hispanic man or our first woman as president? Either one, like the African American Bill Sinkford, would demonstrate that our largely white congregation is becoming more inclusive.</p>
<p>It is not often that you attend a worship service with four thousand people. Only the pope gets bigger venues. The service, which followed the plenary session, was both stirring and moving. Hearing our signature hymn, &#8220;Spirit of Life&#8221; sung in four different language (including Hungarian) was touching, as was the &#8220;Passing of Peace&#8221; where we offered peace to the people sitting around us, in some cases going more than a few rows back. The service had the theme of atonement. Unitarians were one of the religions selected to help &#8220;civilize&#8221; Native Americans after they were sent to reservations in the 19th century. In retrospect, this was a great injustice. We made a public apology and had our apology accepted by one of the native tribes. There were few dry eyes in the house.</p>
<p>The exhibition hall showed me the amazing diversity of UUs. There were booths for pretty much every conceivable variation of UU you could imagine, from the humanists, to the Buddhists, to the UUs who think Jesus was divine, to the polyamorists.</p>
<p>Ironically, UUs are still largely silent about <a href="http://occams-razor.info/2004/05/the_poly_future.html">the polyamory community</a>. If they are going to stand up for love, why not for those who want to love more than one human being at the same time? Right now we are being largely silent. I imagine this will change in time too. I spoke to the polyamorous UUs and told them I couldn&#8217;t figure out how they could juggle more than one loving relationship at a time. They are certainly charting a brave new frontier in love.</p>
<p>Today I attended three seminars, but by far the most interesting was the Theology for a Secular Age course, part of the UU University series. It is being taught by the minister of the All Souls Unitarian Universalist Church in New York City, the <a href="http://www.allsoulsnyc.org/publications/sermons/ggsermons/ggsermonshome.htm">Rev. Galen Guengerich</a>. He may be the best speaker I have ever had the pleasure of listening to, a man of great learning and insight. The seminar resumes tomorrow at eight a.m. so I must be to bed early. I don&#8217;t want to miss a word!</p>
<p>Tomorrow will be another day of fellowship and learning.</p>
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		<title>Blogging at 35,000 feet</title>
		<link>http://www.occams-razor.info/2009/06/blogging_at_35000_feet.html</link>
		<comments>http://www.occams-razor.info/2009/06/blogging_at_35000_feet.html#comments</comments>
		<pubDate>Wed, 24 Jun 2009 00:25:12 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Philosophy]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[Blogging]]></category>
		<category><![CDATA[Unitarian Universalism]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1629</guid>
		<description><![CDATA[Well, this is cool! I am blogging from 35,000 feet. Granted, the first 10,000 feet are still not Wifi accessible, but perhaps that will change too. For $12.95 I can buy myself about three hours of high speed Internet access, at least on selected Delta flights. Other carriers are probably offering similar services, or will [...]]]></description>
			<content:encoded><![CDATA[<p>Well, this is cool! I am blogging from 35,000 feet. Granted, the first 10,000 feet are still not Wifi accessible, but perhaps that will change too. For $12.95 I can buy myself about three hours of high speed Internet access, at least on selected Delta flights. Other carriers are probably offering similar services, or will be soon. Moreover, the quality of the service is as good, if not better, than what I get at home via our Cox cable service. The times, they are a changing, and not always for the worse.</p>
<p>I am on my way to Salt Lake City to attend the <a href="http://www.uua.org/events/generalassembly/">General Assembly of the Unitarian Universalist Association</a>. Having been a Unitarian Universalist since 1997 or so (and in spirit much longer, I just didn&#8217;t go to services) I figured it was about time to attend a General Assembly. This is an annual meeting where UUs from across the country come together and discuss denominational business. It is supposed to be a lot of fun and very interesting. Look for posts on the GA during the week. I will not exactly be alone since other members of our congregation will be in attendance too. When you are surrounded by thousands of UUs, you are never really alone. Of course most will be strangers to each other, but we are all the same in spirit. I am hoping it will feel a bit like coming home to the home you never quite had. I figure that if Muslims are expected to make one pilgrimage to Mecca, perhaps UUs should make at least one trip to a General Assembly too. I hope to learn a lot, but also to clarify for myself just how down the UU rabbit hole that I want to go. Thus far my association has been more tangential than dedicated and has consisted of participating in a covenant group and teaching religious education.</p>
<p>This trip is also unique in that it is something I am doing by myself. I travel quite a bit by myself, but so far it has all been business related. My wife, a Buddhist, had no particular interest in attending. Here I am age 52 and this is the first vacation that I have ever done on my own. It is sort of like being single again, at least for a week. There is no family to visit on the other end. There is also no spouse and/or child to drag along. If I get overwhelmed by the intensity of it all, my hotel is a few blocks away. I can distress by computing from my hotel room or hanging out at the pool. I strongly suspect that I will have no problem finding ways to fill my time. The typical problem at these General Assemblies, I have been told, is trying to do too much. There is simply too much going on.</p>
<p>I mentioned to a colleague where I was going and she said &#8220;what is Unitarianism?&#8221; I am amazed that in 21st century America so many people have not heard about Unitarians or Universalists. There is often at least one UU church in any community of a significant size. There have even been Unitarian presidents of the United States, although at the time they were not known as UUs, but stuck usually said they were deists. Thomas Jefferson was a Unitarian, at least in spirit. If you are curious to learn more about Unitarian Universalism, feel free to <a href="http://uua.org">check out the association&#8217;s web site</a>, or <a href="http://www.occams-razor.info/tags/Unitarian_Universalism">my tag archive on the subject</a>, or just keep reading. To the extent I have time to blog this week, I will be posting my thoughts on the General Assembly.</p>
<p>Unitarian Universalists are basically religious liberals, without a professed creed, with their roots in Christianity but who are for all practical purposes not Christian. Some UUs consider themselves Christian and a UU service definitely has a church-like feeling to it. Most UUs would consider Jesus to be a great teacher, but only a few think he was divine. It is a sort of &#8220;none of the above&#8221; religion, where no creed is required for membership, where you simply come as you are, hang out in fellowship, try to do good things, and work toward tolerance and social justice. Perhaps a majority of UUs are like me: officially atheist or agnostic. We also have pagans, wiccans, Buddhists, gays, bisexuals, transgendered, the polyamorous and pretty much any type of odd non-denominational faith you can think of. In general UUs are a tolerant bunch.</p>
<p>We are also overwhelmingly Caucasian. If there is one deficiency in my religion, this may be it. I expect the General Assembly to resemble a Republican convention. My wife rightly points out that her Buddhist temple is very multicultural. In some ways I am jealous. I am also hopeful that over time UUs will become more culturally diverse too. Our current president is African American, but that will probably change this week as we elect a new association president. Unfortunately, I am not one of the delegates, since each congregation only gets four votes. I am sure whoever we pick will be someone of a similar vein to <a href="http://en.wikipedia.org/wiki/William_G._Sinkford">Rev. Sinkford</a>.</p>
<p>However, I don&#8217;t give myself too much grief about being part of a &#8220;white&#8221; denomination. The congregation is so white, not because it tries to exclude people of different colors, but because its roots are European, and Europe is predominantly white. It was imported into the United States where it flourished and where mostly white people lived. Just as certain southern Baptist associations are overwhelmingly African American and it is okay, it is okay that UUs are overwhelmingly white. We do have two African Americans in our congregation, so we are not exactly pure white, and a few Hispanics and Asians too. Those of color whom we attract tend to be comfortable among whites. UUs also tend to be intelligent and overeducated. This can be daunting to some.</p>
<p>So I look forward to a week of fellowship, learning and song. While I do not particularly enjoy being away from family, it is not a bad thing to have a week to myself to do things that interest me far away from home. It helps me figure out who I am and where I want to go as a person in this next phase of my life.</p>
<p>The last time I spent any time in Salt Lake City was in 1996. Back then I remarked how Wonder Bread the city was. Perhaps in the thirteen years since it has become more culturally diverse. In any event, given that Utah is overwhelmingly white I suspect that most UUs will feel at home there. Given our religious and political liberalism, we may give the local Mormon population something of a shock. I hope I am there to witness any fireworks.</p>
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		<title>The Agony of the Feet, Part Two</title>
		<link>http://www.occams-razor.info/2009/05/the_agony_of_the_feet_part_two.html</link>
		<comments>http://www.occams-razor.info/2009/05/the_agony_of_the_feet_part_two.html#comments</comments>
		<pubDate>Sat, 30 May 2009 16:49:34 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Neuropathies]]></category>
		<category><![CDATA[Podiatry]]></category>
		<category><![CDATA[Vein Disease]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1476</guid>
		<description><![CDATA[I am feeling a bit like Peter Pan these days. Peter Pan was the only male I knew who regularly wore green stockings. I understand that during the Middle Age, men also wore stockings. These days though men who wear stockings are either getting in touch with their feminine side or suffering with vein disease. [...]]]></description>
			<content:encoded><![CDATA[<p>I am feeling a bit like Peter Pan these days. Peter Pan was the only male I knew who regularly wore green stockings. I understand that during the Middle Age, men also wore stockings. These days though men who wear stockings are either getting in touch with their feminine side or suffering with vein disease. In my case, it is the latter.</p>
<p>The agony of my feet, which <a href="http://www.occams-razor.info/2005/04/the_agony_of_th.html">I described</a> more than four years ago, never totally went away. In recent months, it has gotten considerably worse. It was manifested in numbness in my right foot (on a good day) or a constant aching and burning feeling in both feet (on a typical day). More recently, it has sent me scurrying to various physicians (podiatrists, neurologists and vein specialists) to see if I can do something about it. I now know that since I have varicose veins I have vein disease. <a href="http://www.evlt.com/content/patients/vein-disease/index.jsp">Vein disease</a> means that the veins in your leg have a hard time returning blood from your feet to the heart. It affects many Americans sometime in their lives, more as people age, as you might expect. In the typical case, your legs feel heavy and mostly unconsciously, you spend a lot of time with your legs propped up on chairs and stools. In the latter stages, walking becomes painful and even sitting with no pressure on the feet still hurts. I seem to be approaching the latter stages.</p>
<p>After doing some fancy tests, my neurologist also confirmed I have tarsal tunnel syndrome. It is like carpal tunnel syndrome, except it applies the feet. I also have neuropathies at various places in both feet as well as possibly in my leg and spine. This means that certain nerves are not doing a good job of communicating with my brain. These too are common with age. In many cases, people simply ignore them.</p>
<p>What to do about these conditions? That is still being triaged by my team of doctors, so the extent to which I can find relief is unclear. Vein disease never goes away, however removing veins from the leg usually results in more blood pressure in the remaining leg veins, often alleviating symptoms, at least for a while. Legs in the vein though are not limitless and the veins cannot be restored to normal functioning. At some point you either have to deal with a lot of discomfort or pain or do what I am doing: wear thigh high compression stockings and hope they relieve the symptoms. These compression stockings essentially provide more pressure to the feet and legs making it easier for veins to do their job. This results in less blood pooling in my feet and legs and, I am happy to report, a lot less misery during the course of my day.</p>
<p>Of course, these taupe stockings I now wear are hardly a fashion statement. Fortunately most of the time they are easily hid underneath jeans, but there are certain times of the year when wearing jeans is not desirable. Nor are they terribly comfortable to wear, feeling at times like vices on my legs and itching my thighs. I suspect in time I can get used to them, but I do not want to. Putting them on is quite a challenge and can leave me sweating because they require a significant amount of agility and force. If vein surgery means I can ditch the stockings I am all for going ahead with the surgery.</p>
<p>My mother had varicose veins. To my knowledge, she never had any veins removed, although she probably should have. In her last days in the nursing home she was, like me, wearing these <a href="http://www.jobst-usa.com/">Jobst</a> compression stockings. Varicose veins seem to be largely heredity, but are often manifested by too much standing or stooping. She did plenty of that chasing after my seven siblings and me. She often said we gave her grey hair. It is more likely we gave her the varicose veins.</p>
<p>For now, these support stockings are a relief more than a burden. As annoying as they are to put on and wear around, they beat going around all day with tired, aching and burning feet. As my vein specialist suspected, they are also identifying the root of my foot problems. It appears that my poorly functioning veins are at the root of my tarsal tunnel syndrome and probably helped create my neuropathies. As best I can figure out, because of my suboptimal veins, my legs and feet have suffered from high blood pressure for years, and this has been wearing on the various nerves, bones and tissue in my legs and feet. I still have some numbness in my right foot but I am hopeful that it will recede as vein pressure in my legs improves.</p>
<p>My point in whining about this is mainly to draw attention to vein disease. If you have varicose or spider veins, or find yourself habitually propping up your feet, or your feet regularly feel tired, or worse, numb, aching or burning you should <em>not</em> do what I did and largely ignore the problem until it becomes acute. Rather seek early medical attention so you can avoid neuropathies as you age and problems like tarsal tunnel syndrome. I wish someone had drawn it to my attention. I have been dealing with it so long I assumed everyone propped their feet up after walking for a while. If you spend prolonged hours at a desk or in front of a keyboard, you should also consider footrests for your feet. A combination of these strategies may make your life livable again.</p>
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		<title>Socialize your money and join a credit union</title>
		<link>http://www.occams-razor.info/2009/05/socialize_your_money_and_join_a_credit_union.html</link>
		<comments>http://www.occams-razor.info/2009/05/socialize_your_money_and_join_a_credit_union.html#comments</comments>
		<pubDate>Sun, 24 May 2009 00:45:55 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Unions]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1461</guid>
		<description><![CDATA[So I am at the Gold’s Gym listening to a Marketplace Money podcast. I am hearing all the details of the new credit card law freshly signed by President Obama this week. The law was certainly overdue, given the egregious ways banks lately have been unilaterally raising interest rates, changing credit card terms and tacking [...]]]></description>
			<content:encoded><![CDATA[<p>So I am at the Gold’s Gym listening to a <a href="http://www.npr.org/rss/podcast/podcast_detail.php?siteId=7495775">Marketplace Money podcast</a>. I am hearing all the details of the <a href="http://www.washingtonpost.com/wp-dyn/content/article/2009/05/20/AR2009052002312.html">new credit card law</a> freshly signed by President Obama this week. The law was certainly overdue, given the egregious ways banks lately have been unilaterally raising interest rates, changing credit card terms and tacking on usury fees.</p>
<p>To me the whole credit card debate was moot. I like millions of other Americans do not worry that much about my credit card interest rate or fees. Why? I get my credit card through my credit union. Its credit cards work just as well as the banks’ credit cards, but with better rates and less volatility. I don’t worry that much about my credit card interest rates going up or down because my credit union has no financial incentive to shaft me. This is because when I put money in the credit union, I become part owner of the credit union too. Credit union management is not going to want to tick me and the other members off that much because if they did I can petition that they be replaced. A credit union exists to serve <em>my</em> interests, not theirs.</p>
<p>Now, if I had an account at a bank, like Bank of America, I would merely be a customer. Bank of America would see me as a profit center. It would have every incentive to squeeze every possible dime out of me. Banks nationwide are trying to make up for declining profits and bad loans by squeezing their customers. Investing customers’ money is not very profitable anymore, but they can make customers pay more just so they can use money. Hence, the higher fees and interest rates on credit cards, as well as many other loans they may offer.</p>
<p>For about a quarter of a century my wife and I have put most of our working capital into credit unions. Would I close a credit union account and go with a bank instead? Hell no, not unless I had no other choice. I haven’t worked in the Pentagon since 1998 but I still belong to its credit union. In fact, my relationship with the Pentagon Federal Credit Union has deepened since I left. I not only have savings and checking accounts with them, I also have a personal credit card through them. My wife and I also have our home equity loan with them that we can draw on up to $100,000.  Our credit limit has remained unchanged even with all the financial uncertainty. We also have our mortgage with Pentagon Federal. The only downside is that I no longer want to visit a branch office, since it is twenty miles away. However, I can get my money out through no-fee ATM machines where I work or one a mile from my house. If I have checks to deposit, I just mail them in. It costs me a postage stamp and a couple days.</p>
<p>You may be thinking, “Credit unions are all right for you, because you work some place that offers a credit union. What about the rest of us?” In many communities, you still qualify for membership in one or more credit unions. <a href="http://www.creditunion.coop/cu_locator/quickfind.php">Check it out.</a> I live in Fairfax County in Virginia. Down the street is a local branch of the Fairfax County Federal Credit Union. What are its qualifications for joining? You simply have to live in Fairfax County.</p>
<p>What are you losing by joining a credit union as opposed to a bank? These days, you lose virtually nothing. Both banks and credit unions are fully insured, just by different institutions. (In fact, credit unions have been markedly more stable than banks during the current financial crisis, probably because they are better managed and more risk averse.) Some communities may not yet be served by a public credit union, so you may have little other choice than to put your money in a local bank. You may also have to drive out of your way to get to a credit union branch office. Banks can now offer brokerage services, although some credit unions have separate companies that also offer brokerage as well as real estate services. Bankers though have proved to be poor brokers, as witnessed by the recent stock market collapse. Most credit unions now offer services that you used to have to go to a bank to get, such as mortgages and home equity lines of credit. After more than twenty-five years of using credit unions, I can state that their checks, ATM and credit cards work just like the banks&#8217;.</p>
<p>For many of you, the only question may boil down to: do you want to socialize your money? You are not really socializing your money, but credit unions are similar in concept to a food cooperative. When you join a credit union, you are taking a philosophical stand that you should get maximum value for your money. You are betting that by pooling your money with others you will all make and save more money than you would at a bank, which these days is a very safe bet.</p>
<p>Here is how I look at it. Credit unions like banks really should not be where you put your long-term investments. Yet, some part of your money needs to be invested for the long term. Most of us do this through 401-K accounts through our employers, but many of us also need brokerage services so we can buy stocks, bonds and mutual funds. Long term investing is a different problem than having financial instruments to take care of our ordinary financial needs. Savings and checking accounts, credit cards, loans and mortgages are now just commodities. A credit union though offers a way to keep much more of your money while having access to all these financial instruments. My credit union, for example, does not charge any checking account fees, nor does it assess a charge for sending me a paper bank statement. If I use the right ATM, I do not have to pay for the privilege of withdrawing my own money either. I have no idea how much money I am saving compared to the bank you may be using, but I bet it amounts to hundreds of dollars a year. If you can too, they why would you want to give this money to a bank? Wouldn’t you rather do something else with your money?</p>
<p>Particularly in these turbulent financial times, if you have access to a credit union, consider joining. I expect your experience will be like mine and you will be wondering why you waited so long.</p>
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		<title>The wearing of the green</title>
		<link>http://www.occams-razor.info/2009/05/the_wearing_of_the_green.html</link>
		<comments>http://www.occams-razor.info/2009/05/the_wearing_of_the_green.html#comments</comments>
		<pubDate>Wed, 20 May 2009 00:13:11 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Dandelions]]></category>
		<category><![CDATA[Grass]]></category>
		<category><![CDATA[Lawn Care]]></category>
		<category><![CDATA[Weeds]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1457</guid>
		<description><![CDATA[Something very odd happened last month. For the first time in sixteen years of living in our house, we got through April virtually dandelion-free. Truly, it was weird. One year ago, as happened for the previous fifteen years our lawn was engaged in the vital business of growing dandelion seeds and spreading them all over [...]]]></description>
			<content:encoded><![CDATA[<p>Something very odd happened last month. For the first time in sixteen years of living in our house, we got through April virtually dandelion-free.</p>
<p>Truly, it was weird. One year ago, as happened for the previous fifteen years our lawn was engaged in the vital business of growing dandelion seeds and spreading them all over the neighborhood. That’s what it did. One sure sign of spring here on Emerald Chase Drive were the yellow dandelion blossoms carpeting our backyard. Neighbors looked out of their rear facing windows at our lawn and scowled. Because you see, their lawns were perfect with never a dandelion. They could feel their property values plummeting because they happened to live next to us, the dandelion king. How long, they probably wondered, before we put a rusty truck on concrete blocks on our front lawn?</p>
<p>It was not like I never tried to get rid of my dandelions. I made all sorts of valiant efforts but it was like trying to get rid of all the cockroaches in a house in Florida. It appeared to be impossible. I brought a spreader and put out the herbicide at the appropriate times of the year. I filled up my sprayer with weed killer and walked my third of an acre spraying at every weed I saw. I periodically dug up the more egregious weeds by their roots. I limed it at what I thought were the recommended intervals for my soil acidity. None of this worked. My backyard was not intimidated. It knew it could outlast me.</p>
<p>Last year as the dandelions emerged for the fifteenth time I vowed two things. First, instead of hiring a lawn service, I would mow my lawn myself for a change. I would use the money I saved by cutting my own grass to hire a lawn care firm. I figured I needed a professional. For the dandelions were hardly my only lawn issue. There were all sorts of strange weeds out on my back forty. Moss was growing on northern facing slopes. Tree roots were tripping me as I mowed. Still, I was skeptical that a professional service could do much to control my crazy yard.</p>
<p>In my quest for a better lawn, I was not interested in polluting the Chesapeake Bay too. So I found an environmentally friendly lawn firm and opened my checkbook. The person on the other end of the phone told me that fixing a lawn like ours was “a process”. In short, do not expect to see much in the way of results the first year. Once a month or so they came by, did mysterious things to my lawn and left me with bills. I could never see much of a difference.</p>
<p>Now spring is here. In just one year, I have gone from the worst lawn in the neighborhood to having one of the best. I was shocked, surprised and for a while actually giddy. I never liked the weeds and dandelions, but I never lusted after a lush, healthy green lawn before until rather suddenly I had one. It was like I was living in a new neighborhood. I traversed the length of my extensive backyard and could not find a single dandelion peaking through. The grass moreover looked vibrant and healthy. Even the numerous bare spots where giant dandelion patches were last spring were filling in.</p>
<p>Our new lush green lawn was no doubt assisted by many plentiful spring rains. These were the best kind of rains: gentle soaking rains that spanned many days. Moreover, the weather was neither too hot nor too cold, making for ideal growing weather. I now take uncommon pleasure now simply walking out to the curb to retrieve the mail. For the first time since I have been in the house, I want to walk around on my lawn in my bare feet. The grass tickles my feet. I want to find a reclining lawn chair and sit under the tree in our front yard. I want to feel the grass caress the skin between my toes. I want to reach down, not necessarily to pick up a drink, but so my hands can leisurely ruffle through my lush, green grass.</p>
<p>Now that I have a showcase lawn, I feel this urgent desire to keep it a showcase. Despite the expense, I am going to keep the lawn care firm forever. I am now of the opinion that maintaining a nice lawn is one of the cheapest ways to maintain the value of your house. What potential homebuyer could not help but be enticed when they see our house surrounded by our verdant and well manicured green pasture?</p>
<p>As for me pushing the mower, one year was enough for a while. Even as I type, I hear the noise of our lawn crew. To put the crowning touch on our masterpiece, I now need to do is buy a ton of mulch and throw it under and around our trees, shrubs and garden. That should suffice for outdoor exercise for quite a while. Sadly, we have been deficient in the mulching department as well.</p>
<p>I realize that even though our lawn care company is environmentally correct our new and improved lawn is somewhat artificial. Yet, I will continue to invest considerable time, attention and money in my lawn. I want a lush lawn like this forever! It is one of these subtle pleasures that only a prolonged absence can make you fully appreciate. For the first time since I have lived in our house, rather than fretting over my lawn I now plan to spend my leisure hours actually enjoying it. It is a somewhat subtle but wonderful feeling.</p>
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		<title>A Tale of Two Cities</title>
		<link>http://www.occams-razor.info/2009/05/a_tale_of_two_cities.html</link>
		<comments>http://www.occams-razor.info/2009/05/a_tale_of_two_cities.html#comments</comments>
		<pubDate>Thu, 07 May 2009 01:42:53 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Biking]]></category>
		<category><![CDATA[Boulder]]></category>
		<category><![CDATA[Exercise]]></category>
		<category><![CDATA[Healthy Food]]></category>
		<category><![CDATA[Obesity]]></category>
		<category><![CDATA[Physical Fitness]]></category>
		<category><![CDATA[Tallahassee]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1431</guid>
		<description><![CDATA[This post has been running around my brain for a few weeks. It is a tale of two cities. No, not Paris and London, the two cities that Charles Dickens wrote about in his 1859 novel, A Tale of Two Cities. This is the tale of Tallahassee, Florida and Boulder, Colorado. I have been to [...]]]></description>
			<content:encoded><![CDATA[<p>This post has been running around my brain for a few weeks. It is a tale of two cities. No, not Paris and London, the two cities that Charles Dickens wrote about in his 1859 novel, <em>A Tale of Two Cities</em>. This is the tale of Tallahassee, Florida and Boulder, Colorado. I have been to both. It would be hard to find two cities where the fitness levels of its residents diverge so much.</p>
<p>Okay, in some ways Tallahassee and Boulder <em>are</em> similar. Tallahassee is the larger of the two cities and the state capital. Boulder has around 90,000 residents. Tallahassee has around 160,000 residents, but as city sizes go, they are not that dissimilar. Both are college towns. Tallahassee has two colleges of note: Florida State and Florida A&amp;M. Boulder has the University of Colorado at Boulder. Both are in the United States, but otherwise that’s about all the similarities worth noting.</p>
<p>I became acquainted with Tallahassee in 2007 when life finally took me there for a few days. <a href="http://www.occams-razor.info/2007/10/tasting_tallahassee.html">I even blogged about it.</a> There are possibly other cities in or around the Gulf Coast where the residents are more obese, but it is hard to imagine such a place. Tallahassee must be something of a Mecca for endocrinologists and Glucophage manufacturers. Its population appears to consist mostly of adult diabetics in the more advanced stage of the disease. Not that its many obese residents actually appear to be treating their diabetes. First, most of them appear too poor to afford treatment outside of an emergency room. Second, where would they find the health food? The eating choices in Tallahassee seem to be largely limited to the greasiest of the greasy joints. Burger King is the most predominant grease joint in Tallahassee, but in reality, it is just one of many. Within a quarter mile in Tallahassee you can find the following greasy spoons: Dominoes, which is next to the Taco Bell, which is across the street from Moe’s Southwest Grill, which is next door to Firehouse Subs, which is adjacent to Momo’s Pizza and Shane’s Rib Rack. Across the street is a Papa John’s Pizza. A little further down the street you will find Qdobo Mexican Grill and, of course, a Burger King. If you need groceries, there is exactly one Winn Dixie on the southern and predominantly African American side of town. Winn Dixie, Circle K and Albertsons have close to a lock on the grocery business in Tallahassee. Good luck finding a Whole Foods. There are none.</p>
<p>If it were not for the college students, the situation would appear far worse than it is. Those out of towners help, but cannot begin to hide the extent of Tallahassee’s obesity problem. Why is obesity so bad in Tallahassee? It likely has a lot to do with the relatively low average income of citizens in the city. Thanks in part to massive farm subsidies, we have made grain and sugar artificially cheap, which means that it costs little to eat the wrong food and proportionally a lot more to eat healthy, if you can find healthy food at all. Healthy food is not easy to acquire because I paid careful attention while I was there and found nothing resembling a health food store. The culture of the city though seems to be saying, “It’s okay to be morbidly obese and to eat junk. You&#8217;re just like everyone else.” If I were a health insurance provider, I would redline the whole city.</p>
<p>Boulder, Colorado on the other hand is its polar opposite. If there is a healthier (and more environmentally correct) city in the country, I would like to know about it. I doubt it exists. Having spent many pleasant days in Boulder in the company of my brother and sister in law, I find much to like about Boulder. Obesity is not unknown in Boulder but it is hard to find. That is because the city’s culture seems hardwired toward healthy eating and exercise.</p>
<p>Fast food can be found in Boulder, but it can be challenging. There is one Wendy’s downtown close to Pearl Street. Otherwise, you have to travel to the edge of town. There are three McDonalds in the city, and a few more along its edges. If you want a supermarket, you had better prefer organic supermarkets because they are far more plentiful. There are six Whole Foods markets in Boulder alone.</p>
<p>Don’t move to Boulder and expect to be a couch potato. It is not allowed. I think they must have citizen organizations that hunt for couch potatoes and make them work out. Boulder takes exercise seriously; it is practically a commandment. It is not just that you live right next to the Rocky Mountains and there are abundant hiking trails within easy walking distance. In Boulder, it seems like there must be an ordinance requiring its citizens to get regular aerobic exercise. Its citizens take their obligation seriously. When I have been in Boulder during a snowstorm, my brother pointed out that plowing the roads was scattershot. However, the bike trails, which are numerous, were plowed. The residents of Boulder have their priorities and snow removal on roads is second to removing snow from its biking trails. They do not seem to mind biking in freezing weather or even in the snow. Instead, they put studs on their bike tires and peddle to their destination. Or they may snow ski. Or run. They do not seem worried about twisting an ankle by running through the snow, even on the mountain trails where a slip could be fatal. Whole families can be seen walking around neighborhoods at night just for the exercise.</p>
<p>My latest trip to Boulder in March suggested to me that a certain percent of Boulder residents are, well, insane. I should mention that this does <em>not</em> apply to my wonderful brother, his wonderful wife and her adorable daughter. They work in exercise, daily if possible and particularly on the weekends. Fifty or sixty mile weekend bike excursions are par for their course. It could be that, or snow shoeing, or hiking, or long walks or most likely of all, some combination of all of these. Frankly, I admire their healthy attitude and wish some of it would rub off on other members of my immediate family here in traffic clogged Northern Virginia.</p>
<p>Nevertheless, there are significant numbers of Boulderites who exercise the way addicts mainline crack. I saw some of them on the last Sunday in March when my brother drove me up to Fort Collins. I thought it was strange when in thirty-degree weather we kept passing packs of bicyclists traveling on the shoulders of major thoroughfares, at times even crowding out the vehicular traffic. We passed dozen of packs on the way to Fort Collins; some of these packs consisted of a hundred or more bicyclists. My brother told me that many were biking to Fort Collins and back, which is a nice little jaunt of a hundred miles or so.</p>
<p>He also told me of a neighbor who after returning from one of these marathon hundred mile plus rides quickly rushed off to the swimming pool. Why? Because he was competing in a triathlon so now he had to swim a few miles too. This probably meant he also had to run a dozen miles or so too.</p>
<p>Doubtless, he was but one of many Boulder residents also planning to compete in a triathlon, so I expect the swimming lanes at the local pools were congested. Good luck to them but isn’t doing this level of exercise consistently maybe just a wee bit insane? It is to me. Granted there is nothing wrong with it, if your body can handle it, and it is certainly magnitudes healthier than eating grease at the plentiful fast food joints in Tallahassee. My last trip to Boulder though convinced me that it is possible to overdo exercise. Some small but sizeable number of Boulderites have gone off the deep end.</p>
<p>I am considering Boulder as a place to retire. I suspect it would not take too many weeks of living in Boulder before hundred mile bike jaunts would become second nature to me too. I would hardly be unique, just one of the crowd. I do know one thing: despite some folks in Boulder who may be exercise obsessed, it is a great place to live, if you can afford its real estate prices. I would definitely rather retire to Boulder than to Tallahassee, although on my pension I could live like a king in Tallahassee. In Tallahassee, I am convinced I could gain weight just by breathing its air.</p>
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		<title>My first Seder</title>
		<link>http://www.occams-razor.info/2009/04/my_first_seder.html</link>
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		<pubDate>Sun, 12 Apr 2009 17:29:51 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Politics 2009]]></category>
		<category><![CDATA[Sociology]]></category>
		<category><![CDATA[Obama]]></category>
		<category><![CDATA[Passover Seder]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1397</guid>
		<description><![CDATA[Last Thursday, President Obama hosted a private Passover Seder in the White House. It was news because in the 232 years we have been a nation, no President had ever hosted a Seder before. Of course, we never had a Jewish president before so that might explain it. While the Seder was welcomed by America’s [...]]]></description>
			<content:encoded><![CDATA[<p>Last Thursday, President Obama hosted a private Passover Seder in the White House. It was news because in the 232 years we have been a nation, no President had ever hosted a Seder before. Of course, we never had a Jewish president before so that might explain it. While the Seder was welcomed by America’s Jewish community, they can be forgiven for wondering why it took so long. The most likely reason amounts to tacit Anti-Semitism. Supporting the state of Israel and all that is fine, but actually participating in some solemn Jewish customs in our most public of houses somehow seemed a bridge too far to its previous Christian chief executives.</p>
<div id="attachment_1398" class="wp-caption alignnone" style="width: 610px"><img class="size-full wp-image-1398" title="President Obama hosts the first White House Seder" src="http://www.occams-razor.info/wp-content/uploads/2009/04/obama-seder.jpg" alt="President Obama host the first White House Seder" width="600" height="403" /><p class="wp-caption-text">President Obama hosts the first White House Seder</p></div>
<p>While Seder is a Jewish tradition at Passover, as I discovered you don’t have to be Jewish to have a Seder and find meaning in the event. For some reason, I got through fifty-two years without having attended a Passover Seder. That changed last night when our friend Fox, who also happens to be Jewish, invited a small group of us mostly Gentiles to her brownstone apartment in Silver Spring, Maryland for a belated Passover Seder. It was probably significantly toned down from Passover Seders in most orthodox Jewish families, but it was a Seder nonetheless from dipping sprigs of parsley in a bowl of salt water to the washing of hands (twice), to the matza ball soup (quite delicious!) to the singing of Next Year in Jerusalem.</p>
<p>Passover Seder is something like a Jewish Thanksgiving. The Pilgrims gave thanks having made it to the New World and for their first harvest. The Jews celebrate their miraculous escape from Egyptian slavery as well as remember its horrors. Unlike Thanksgiving, which is primarily an occasion for overeating and maybe a little giving of thanks, Passover Seder commemorates the liberation of a people, which is perhaps a lot more meaningful. (I grant you the Pilgrims in their own way went to the New World seeking their own liberation, or at least an escape from religious persecution.)</p>
<p>Christians today are busy celebrating Easter, their holiest of days. Many of the more devout ones also celebrated Holy Thursday last week, infamous of course for The Last Supper. I was one of the many people who had largely tuned out that The Last Supper was a Passover Seder with Jesus as the guest of honor. Just as Christmas was timed around Winter Solstice to bring in the heathens, the timing of Easter over the Passover seems a trifle suspicious. What are the odds that Jesus just happened to die on the cross during the Passover? (One in 52, actually.) The Catholic mass strikes me at least in part as a way to co-opt and disenfranchise Passover Seder. Jesus broke matza on Holy Thursday and shared it with his disciples, the closest thing he had to family. During a mass, priests break the host into parts, and hosts are shared with the faithful during Holy Communion. (By the way, while matza is pretty boring bread, I prefer it to communion wafers.) In a way, Catholics celebrate Passover Seder every time they go to Mass.</p>
<p>Thanksgiving really is a holiday-come-lately. Passover Seder was already an ancient custom when Jesus held The Last Supper. Perhaps that was why my first Seder yesterday felt special, because I was participating in a ritual far older than Christianity. Moreover, its message is timeless. Who cannot feel joy at the miraculous liberation of a people? Who cannot feel touched that the Jews over so many millenniums take time once a year to never forget their enslavement, their long years in the desert and their return to the Promised Land?</p>
<p>Passover and Exodus, like many religious events, likely has a core truth to it, but is probably mostly myth. It is likely that not all Jews went to work in Egypt and even after the Diaspora we know some Jews still lived in Palestine. Few actually believe that the waters of the Red Sea parted for the Jews, although they may have found a relatively dry path on their way to the Sinai over the Reed Sea, while Pharaoh’s armies got stuck in the muck. Whether Yahweh sent plagues or Egypt was going through a bad time is hard to say. I doubt any plague disproportionately spared the Jews. It is doubtful Jews were interminably lost in the desert for decades. It is much more likely that, like Gypsies, they were treated as uninvited guests wherever they went and kept roaming but stayed near sources of known water. In any event, Exodus makes for a compelling story and likely does speak to the reality that large numbers of Jews were enslaved in Egypt and managed to break free. Much of Jewish history and law derives from Moses’ oversized presence.</p>
<p>In fact, as bad as enslavement was back in Pharaoh’s time, the Holocaust was much worse. The state of Israel does celebrate a Holocaust Memorial Day, which in their calendar falls between April 7th and May 7th. The Pharaoh’s sins against the Jews were relatively minor compared with Adolph Hitler’s: Pharaoh wanted to enslave and abuse the Jews, not annihilate them. Passover is so established that it will never go away, but perhaps in time Jews will elevate Holocaust Memorial Day to a holiday of similar stature and magnitude.</p>
<p>More Gentiles like me should consider incorporating Passover Seder into their annual customs. The Unitarian church I attend hosts an annual Passover Seder. I had never considered attending before. I will be more likely to attend them in the future. My experience is that it is impossible to attend a Seder without feeling some of the suffering, oppression and liberation that Jews have experienced. In my opinion, Americans of all faith should routinely practice Passover Seder. So plaudits for President Obama. As acts of leadership go, this is a minor but important one. Let us hope it will be celebrated annually in The White House from now on.</p>
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		<title>A grave business</title>
		<link>http://www.occams-razor.info/2009/03/a_grave_business.html</link>
		<comments>http://www.occams-razor.info/2009/03/a_grave_business.html#comments</comments>
		<pubDate>Fri, 20 Mar 2009 00:19:04 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Sociology]]></category>
		<category><![CDATA[Death]]></category>
		<category><![CDATA[Dying]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1357</guid>
		<description><![CDATA[Life is about living, right? So why spend any time at all planning for death? After all, there are few things more certain in life than death and taxes. Once you are dead, unless you are Jesus Christ, you can forget about coming back to life. The best use of my corpse will be pushing [...]]]></description>
			<content:encoded><![CDATA[<p>Life is about living, right? So why spend any time at all planning for death? After all, there are few things more certain in life than death and taxes. Once you are dead, unless you are Jesus Christ, you can forget about coming back to life. The best use of my corpse will be pushing up some daisies somewhere.</p>
<p>Alas, my passing <em>is</em> of interest to my financial adviser. For the two years I have had him he has been pushing my wife and I to plan for being dead. These days though, just writing a will is not good enough. You need many documents, all of which are vital for keeping lawyers in Birkenstock and driving their Mercedes Benz. Apparently, in addition to a legally enforceable will, I need Power of Attorney statements, a trust until our daughter is old enough to spend her inheritance wisely and a life support directive. Death is apparently a very complicated thing, at least for those you leave behind.</p>
<p>Just because I am dead, I would not want to burden my loved ones, would I? Hmm, maybe I would. I mean, I do love my loved ones. That comes with the definition. However, from my jaundiced perspective, I have given more love to them in love than I have gotten back in return. Yeah, I know, it’s good to give more than you get. But isn’t the least they can do for me when I am departed to deal with a few inheritance squabbles and tax issues? Knowing my future deceased state, does it require an extra level of love while I am alive beyond which I have already borne out in my fifty-two years of devoted service?</p>
<p>How do I know that this world is real anyhow? It sure feels fleeting. Maybe nonexistence is real and life is surreal. Maybe I am like Neo in <em>The Matrix</em> and when I die, I wake up to find my life was just a wild dream. If life is a dream, why bother with the drudgery like wills and such? Why not just live in the moment and get as much enjoyment as you can from life?</p>
<p>Maybe that’s why I’ve dragged my feet on updating my will. The last one is nearly fifteen years old and was done by a friend, and just so my wife and I could feel comfortable going out of town without our daughter. Because it turns out that planning for your mortality is a complex business. Naturally, this being the United States of America, there is no simple way to make your wishes known. Instead, you need either pricey software or a good attorney or two, and likely both witnesses and a notary too.</p>
<p>Here is my idea of how it should be done: each state and/or county would have a web site. When you want to complete your will, you they would provide you with a way to legally authenticate yourself. You would go onto the web site and be presented with a standard will complete with a number of “most popular” checkboxes and open text fields. For 95% of us, this would work fine. Since I am married, if I die first, I want my wife to get all my stuff. The same is true with her. If we both died at the same time, our daughter would get the bulk of our estate. She’s no longer a minor, but if she were I should be able to fill in that part of the web form where I indicate who would be the custodian of our child, who would oversee the estate, and enter the disposition of important heirlooms. It should take a half an hour maximum, be all done electronically and remain on file in the county clerk’s office. It would be accessible if necessary so properly credentialed officials, like the doctor in the emergency room, could also get the information.</p>
<p>You can write some things in your will that will have no practical effect. For example, do you want your body buried or cremated? Where should your remains go or be placed? Should your body go to medical science? Wills are read weeks or months after the deceased passes, so it is best to tell your family your wishes on what to do with your corpse. Yet, the county could easily collect this information in a central database. Every five or ten years, say whenever you renew your driver’s license, you would be required to recertify your electronic will. All this strikes me as a perfectly logical way the government could become more citizen-centric.</p>
<p>However, because I suspect that my survivors will otherwise engrave, “The bastard didn’t even bother to leave a will” on my gravestone, I have much belatedly decided to work on all these death documents. I quickly discovered why I dragged my feet. They are expensive to get right, particularly if you have lots of money and assets. After all, you do not want your loved ones to deal with complex things like probate taxes. No, you want to create a trust instead and screw Uncle Sam. I called one of the more prominent firms around us and found out that a modest set of these documents cost in the $3000-$5000 range. How many of us has that kind of money to throw around?</p>
<p>There is software you can buy, like <a href="http://www.nolo.com/product.cfm/ObjectID/6E9ED903-C9B4-42E0-9C2E235DD87A0A8A/catid/F251EA55-13A9-4EE0-85D21CEB27636030/309/298/">WillMaker</a>, but I remain a bit leery that it will not write the proper words or know precisely how to have forms properly notarized, witnessed and filed. So I did the next best thing, and shopped for a discount lawyer. It turns out that if you have to hire a lawyer, this is a good time. <a href="http://www.washingtonpost.com/wp-adv/classifieds/careerpost/library/nojob.htm">Many have been downsized</a> and are scrambling for work, working from offices in their home. I found one via the user comments on <a href="http://checkbook.org">Washington Consumers Checkbook</a>. (Warning: you must subscribe to see the user comments, and they are not of much use if you live outside the Washington D.C. metropolitan area.) The lawyer even offered me a recession special: all the right documents done for a little under a grand. This still seemed like a lot of money, but it did not seem outrageous.</p>
<p>It turns out that what matters most is likely not the will itself, but various power of attorney statements and emergency medical directives. Do I want the plug pulled if three doctors agree that I am a goner but I cannot speak for myself? Who should speak for me when I cannot? Who can and should pay the bills or act when I cannot? Like most Americans, these obligations would fall to my spouse, but if she is not available, then who? For now, it seems safer to entrust this decision with a sibling. That may change as we age.</p>
<p>It will probably be money well spent, but in my deceased condition, it will mean nothing to me. We invited Carrie (the attorney) out to our house.  She told us much about the legal business of death and dying that we needed to know but about which we would have preferred to remain ignorant. We have been marking up drafts of documents she has cranked out, plodded through other verbose documents and keep trying to remember why we are doing this in the first place.</p>
<p>The good news is that when she is done we will have a set of PDF documents that we can easily update at any time, to name new executors and the like. We hope to have a final signing in our living room a week from Friday.</p>
<p>Dying is ordinarily a messy and depressing business, as is handling the estate of someone. Wills provide some comfort that the process may be less messy. As I discovered <a href="http://www.occams-razor.info/2005/06/the_vortex_of_d.html">watching my mother decline</a>, it is bound to be both messy and heartbreaking for those who go through it. Given these facts, much can and should be done to make it less onerous and expensive. With major economic crises underway, straightening out the business of death and dying is probably on no one’s radar. I hope someday someone will tackle it because the current process is unnecessarily complex and expensive, making it hard for the many who need these documents to acquire them. In the end, it is of most use to those who profit from it.</p>
<p>While death is inevitable, estate planning need not be the equivalent of rocket science. Instead, we could use the time and the money on worthier endeavors like enjoying the short life we were given.</p>
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		<title>Real Life 101, Lesson 10: How to study</title>
		<link>http://www.occams-razor.info/2009/03/real_life_101_lesson_10_how_to_study.html</link>
		<comments>http://www.occams-razor.info/2009/03/real_life_101_lesson_10_how_to_study.html#comments</comments>
		<pubDate>Tue, 03 Mar 2009 00:49:48 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Community Colleges]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Real Life 101]]></category>
		<category><![CDATA[Studying]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1315</guid>
		<description><![CDATA[This is the tenth in an indeterminate series of entries that provides my “real world” lessons to young adults. It is my conviction that these lessons are rarely taught either at home or in the schools. For those who did not get them growing up you can get them from me for free. This is [...]]]></description>
			<content:encoded><![CDATA[<p><em>This is the tenth in <a href="http://www.occams-razor.info/tags/real_life_101">an indeterminate series</a> of entries that provides my “real world” lessons to young adults. It is my conviction that these lessons are rarely taught either at home or in the schools. For those who did not get them growing up you can get them from me for free. This is part of my way of giving back to the universe on the occasion of my 50th birthday.</em></p>
<p><a href="http://www.occams-razor.info/2009/02/blogging_at_a_more_relaxed_pace.html">As regular readers may know</a>, I am back in the classroom. It has been about four years <a href="http://www.occams-razor.info/2002/12/ruminations_on.html">since I taught in a community college</a>. I had hoped that certain things would have changed. A few things have changed. Four years ago, my classes were roughly half fellow white Anglo Saxons. Today the ratio is more like 40:60. This is indicative of the area where I live, which is multicultural and is getting more so. In particular, I am seeing a lot more people of who appear predominantly from the Middle East or South Asia. One thing that has not changed is that many of my students are still woefully unprepared for the reality of college.</p>
<p>This is reflected in their grades. About a third of the class will mysteriously melt away through the course of the semester. Sometimes it appears that they just cannot summon the will to attend class. (My class starts at 9 AM.) Others when they get back the first couple quizzes see the handwriting on the wall. You would think that they would withdraw academically and get a tuition refund. Most of them do not, they just sort of fade away and eventually earn an F.</p>
<p>Sometimes I think I am a poor teacher, but those who survive the class have the opportunity to assess me near the end of the course. My teaching style normally gets a B, but it varies from class to class. So I figure I must be an okay teacher although those who dropped my course probably would tell me otherwise. Other times I think that maybe the courses I teach are too hard. This semester I am teaching Computer Fundamentals. About half of it is learning the Microsoft Office suite and the other half conveys basic knowledge about computers and information technology. Many students have picked up significant parts of the Microsoft Office suite already. Granted, many of them have not experimented much with formulas and graphs in Microsoft Excel, but presumably, these things should not be completely new. Nor was the Web Page Design course I taught for many years that difficult. You learn some tags and syntax, you mark it up with an editor and you display it on a web server. In short, neither of my courses were the equivalents of organic chemistry or calculus.</p>
<p>The Computer Fundamentals class is required for most students, so it brings in everyone from math wizards to art majors. I can understand why an art student might be a bit intimidated by numbers, but surely somewhere in their education they got enough courses to have learned things like the order of precedence with mathematical operators and what a function does. Maybe they got it once upon a time. It appears they quickly purged it from their brains.</p>
<p>For most of those failing or flailing, I am left to infer that they just did not learn how to study. If this describes you, young adult, let this part time teacher provide you with the basics.</p>
<p><strong>Rule Number 1: Study takes time. </strong>You must set aside the time required to read the material, do the homework and participate in group projects. Most students who actually want to graduate quickly learn they must budget their time. They plan their week in accordance with their homework, upcoming quizzes and examinations. Study does not mean just flipping through your notes at a Starbucks before the class.</p>
<p><strong>Rule Number 2: Read the textbook.</strong> If your instructor provides Powerpoint and lecture notes, that is helpful. These things though do not substitute for a textbook; they <em>supplement</em> the textbook. So when your professor says read pages 100-150 before class next week, if you want to get a good grade in the course this is not optional. The professor’s job is to help you join the material you read in the textbook with the information he is providing. In any course, there is far more to learn than the time allocated to teach it to you in class.</p>
<p><strong>Rule Number 3: Take copious notes in class.</strong> Most of my students do not even have their notebooks open. Why? When the professor is talking, you should be taking notes as fast as you can scribble them. If you do not understand something, you are supposed to raise your hand and ask questions. That is how you learn.</p>
<p><strong>Rule Number 4: Restate what you have learned after class.</strong> Whether it comes from the textbook, lecture notes, slides or your class notes, if you really want to learn, you will take the time to restate what you have learned outside of the class, ideally shortly after the class. Typing it up or jotting it down in a notebook helps to cement knowledge in your brain. When you read a textbook, take the time to mark it up. Get out that yellow highlighter. Read that paragraph with care. If you don’t understand it, read it again. There is often one key sentence or a phrase in a paragraph that conveys the key idea. Highlight that and restate it in your notes.</p>
<p><strong>Rule Number 5: Study in solitude.</strong> Many of my students have MP3 players jammed into their ears while they appear to be studying or sometimes instead of listening to me. For studying, listening to music is a bad idea unless the music is classical, or wholly instrumental. The key is it must be subliminal and facilitate studying, not distract you from it. When you study, you need to concentrate on the material, not on the lyrics to a song. Unless you have group study sessions with other students, you need a quiet place and a closed door to study. If you live on campus or even if you do not, a library is a great place to study, in part because when you are there you feel like you must study. Not only do you have most of the resources you need handy if you have to do some research, but it is relatively quiet and there are usually plenty of tables and alcoves available where you can study.</p>
<p><strong>Rule Number 6: Prepare adequately for tests.</strong> Review all the relevant material the day before the test. Give focus on your notes where you restated what you learned. Ideally, try to make time an hour or so before the test to review again what you reviewed the night before. If time is of the essence, review the key points that are hard to remember or understand. These things typically make the difference between one grade letter and the next.</p>
<p><strong>Rule Number 7: Practice, practice, practice.</strong> Many courses, like the one I am teaching, include labs. Don’t just do the labs in class. Do them again as practice. Most textbooks will have other examples at the end of the textbook you can try. I saw many of my students flounder with a Microsoft Excel quiz I gave recently. While they went through the labs in class, they did not cement the key pieces of learning by redoing their work outside of the course. Naturally, they were quite challenged trying to complete the hands on portion of the quiz because they had not cemented in their brains the fundamental skills.</p>
<p><strong>Rule Number 8: Commit to your education.</strong> This probably should be Rule Number 1. An education is obviously not free but even if your tuition is paid for by your parents or a scholarship, you must make the personal commitment to give your study the time and attention it deserves. This means you will probably sleep less, party less, socialize less and goof off less. This is what you have to do if you intend to graduate. When I was a full time student and did not have a job, I typically put in ten to fourteen hour days six or seven days a week. The payoff will be the degree, which will hopefully offer you the chance for a more enriching, interesting and hopefully well paid life. No one said life would be easy. If you want a degree, you must earn it. Put down the beer bottle and pick up the textbook, your notebook and a yellow highlighter instead. Your future you will be very glad you did.</p>
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		<title>More adventures in aging</title>
		<link>http://www.occams-razor.info/2009/02/more_adventures_in_aging.html</link>
		<comments>http://www.occams-razor.info/2009/02/more_adventures_in_aging.html#comments</comments>
		<pubDate>Mon, 09 Feb 2009 01:41:15 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Life 2009]]></category>
		<category><![CDATA[Aging]]></category>

		<guid isPermaLink="false">http://www.occams-razor.info/?p=1273</guid>
		<description><![CDATA[Aging is an experience we only go through once, thank goodness. Perhaps that the ultimate effect of aging is death is not an entirely bad thing. At some point, the downsides of aging outweigh the benefits of being alive. As readers know, last December I received another unpleasant wakeup call that I too was aging. [...]]]></description>
			<content:encoded><![CDATA[<p>Aging is an experience we only go through once, thank goodness. Perhaps that the ultimate effect of aging is death is not an entirely bad thing. At some point, the downsides of aging outweigh the benefits of being alive. As readers know, last December <a href="http://www.occams-razor.info/2008/12/the_physical.html">I received another unpleasant wakeup call</a> that I too was aging. It resulted in <a href="http://www.occams-razor.info/2009/01/lab_animal.html">subjecting myself to myriad medical tests</a> and <a href="http://www.occams-razor.info/2009/01/watching_points.html">finding myself on Weight Watchers</a>. Some of the more common aging signs I have experienced in my now fifty two years on this planet: loss of near term vision, age spots, odd aches and pain, joint pains, back aches, a diminished sex drive and an inability to hear very high frequencies. Now I can add one I did not expect to my list: I get colder easier.</p>
<p>It used to be that I was the most comfortable around seventy degrees. Now seventy degrees, even with a sweater on just feels cold. Why is this? Apparently, it isn’t due to a paucity of body fat, or I would not be on Weight Watchers. The only thing I can infer, since this was never a problem in my younger years, is that this is yet another symptom of aging.</p>
<p>I remember being amused when I visited my late grandmother and found that it was eighty degrees in her house and she was wearing a sweater. She was one of these petite women with neither much body fat, nor much in the way of muscles (but was always in a dress). I could rather see why she might want to wear a sweater. I found the time I spent in her home both enjoyable (in being able to see her) and oppressive (in that I wanted her to crank down the air conditioner, but I couldn’t work up the nerve to ask her).</p>
<p>My office is maintained at a uniform temperature of seventy degrees, which should feel comfortable. Most of the people on my floor seem perfectly comfortable. Me? I have a heater on. The moment I open my office door I rush to the heater by my window and crank it up. It could be that because I have an office with a view, it would be naturally colder in the mornings. Yet, if I leave the heater off, it feels just as cold to me at noon as it does at eight in the morning.</p>
<p>Often using the heater does not do the trick. So I keep a pullover sweater behind my door and put that on. It seems to work well for my upper extremities but not on my lower ones. Since I typically wear jeans to work, you would think that would keep my legs sufficiently warm, but it does not. My legs feel cold. Relief does not really arrive until the afternoon. Then the sun comes through my window. This heats up my office nicely. Sometime after two p.m. I can take off the sweater and turn off the radiator.</p>
<p>During the summer, you would think the situation would be reversed, but it gets worse. The uniform seventy degrees is maintained in the summer as well as the winter. However, my radiator vent will only blow out cool air in the summer. Since the sun is higher up in the sky, less sun shines through my windows, meaning my office is less likely to warm up in the afternoons. Therefore, I am more likely to wear my sweater in the office during the summer than in the winter.</p>
<p>At home, we keep the thermostat at seventy-two. I would like to notch it up a few degrees to maybe seventy-four, but my wife simply cannot tolerate it that warm. This often means I am putting on a sweater at home too. I am hoping since she is only three years younger than I am that she will eventually develop my condition so I can feel more comfortable around the house.</p>
<p>Yes, aging is full of discoveries that you can no longer take things for granted anymore. Exercise used to be optional. Now it is required. Eating healthy all the time used to be optional. Now it is required, or you may suffer devastating consequences to your health. I recently found something else that used to be optional: drinking water only when you get thirsty.</p>
<p>Since I am a largely indoor denizen, I tend to only sweat when I exercise or am outdoors in a temperate climate. If I need water, I always thought my body would tell me by sending the hitherto reliable thirst signal. Now I am learning that is not sufficient. If like me you are one of the Dilbert’s of the world, you need to start guzzling water. Keep a water bottle at your desk and plan to go through three or four bottles a day at work. You may think you are doing a disservice to your kidneys by running to the bathroom so often, but in actuality, you are doing a kindness to them. You are also being kind to your body in general. If you do not regularly replenish your body’s water, your body will assume that you need to retain water because your survival is at stake. Retaining water is not a good thing because it can raise your blood pressure. At worst, it can lead to heart disease and other conditions.</p>
<p>Because it is a complicated machine, your body should come with an owner’s manual. The body has its own needs. Some it will tell you what they are and sometimes it will leave you blissfully ignorant. That is the purpose of getting a physical: to discover those things that it is not telling you.</p>
<p>At least my body is quite clear about preferred temperatures. Seventy degrees is about four degrees too cold to be comfortable. As I write this, I just returned from exercise. For a while, I can coast in the glow of the extra heat that I put out during exercise. It will be an hour, perhaps less, before I will find myself reaching for my sweater.</p>
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