Friday, July 25, 2014

Convenience and Savings

How far will you go to save a buck? I've seen TV news segments of the couponers who have basement storage shelves full of non-perishable foodstuffs and household products worth thousands of dollars for which they've paid little. The Groupon website is still active with their specials. The big box stores like Staples and Home Depot etc. etc. have daily or weekly adds with coupon or discount specials to attract customers. 

In the old days a customer was a buyer, hence the definition "1. a person who purchases goods or services from another; buyer; patron." And a buyer spends cash or credit for goods and services. A customer is different than a shopper, as in "1. A person who shops. 2. A comparison shopper." And nowadays the emphasis has shifted toward the customer/shopper, but the goal of any business is to attract and find a buyer. In fact, businesses emphasize "customer or brand loyalty," and hence -- coupons. Sales have become known for what they are: The retailer raises the price then announces a "sale" -- discount percentages usually. But "sale" is tired and overused and doesn't attract buyers the way coupons seem to. 

Coupons are guaranteed discounts wherever the product may be found. And different stores have different prices based on their markups for moving high turnover products.So brand, not necessarily store loyalty, is the goal. It's like Sears today. At one time they only sold their own brand of appliances, Kenmore, yet today they sell a half dozen others as well. And "post-sales" what is really called recurring revenue, is the king of business. Hence brand loyalty and other techniques, such as upselling their product maintenance contract, or providing technical support for software (Microsoft and others), on a subscription rather than One Time Charge (OTC) basis, has become the norm. 

Most advertising I see such as the Acme and Shop Rite print ads in our Sunday Times, now all show actual savings to be accrued from the purchase. Like Kohl's, famous for its 10, 20 or 30% discounts shown in dollars and cents on their receipts. We've waited for Kohl's to open at 5 am during Christmas for their sales. Because -- we know what we'll be saving. What we spend is almost secondary to what we save.

But the real clincher for any sale or coupon to succeed is proximity of product to customer, location, even if on the web we are sold on the short number of days it takes to deliver our items. And ease of use, as on the web, and convenience, are the aces in the whole for retailers. For example, we like Target and their prices etc., but they are located in Hightstown, 10 miles away. Our Acme is less than a mile, and our Kohl's at Hamilton Marketplace, with over 40 stores, banks and restaurants is 2 miles away from our home. So guess who like's Jersey Mike's (subs), Chilli's, Longhorn and Ruby Tuesday now over our old favorite Mannino's Italian restaurant further away? And who do you guess does all their craft shopping now at Michael's, gift shopping at Bed, Bath & Beyond and Pier 1 Imports? And all our card buying at Hallmark? And we also have multiple Dunkin Donuts, Subways, Taco Bell, Broad Street Diner, McDonald's and other restaurants all within 2 miles of us. So proximity (location) equals convenience, equals brand loyalty equals sales, equals recurring revenue.

And the world goes round. And I'm willing to pay more for convenience; not like buying beer at the new Vet's stadium to a captured audience, but buying gas at our local no name station because it's only a few long blocks away. 

So convenience is as good as a sale, and as good as a coupon. Why do I want to drive another couple of miles to save pennies on a gallon of gas, or a few quarters on a meal further away in town?

How do you shop? For a sale? by coupon? Or by convenience?


Best, Rod
Copyright 2014 
Surviving Bipolar Disorder in the modern age . . . a journey of Hope for the afflicted.
My poetic memoir Episodes available at www.amazon.com/episodes-rodney-richards/dp/0615914705/  



Thursday, July 24, 2014

"Rebuild America" with Jobs Part One

VP Joe Biden just performed an excellent White House whiteboard lesson on http://www.whitehouse.gov/whiteboard   It was on the need to build/rebuild world-class roads, railroads, and transit infrastructures, something I've long heard lip service too, but seen no action on til now. And these millions of necessary jobs for infrastructure will always be needed.

Biden showed three of the largest commerce-generating projects in our history: the Erie Canal from NY to Ohio built in 1808; the Transcontinental Railroad completion in 1863, in the middle of the Civil War, yet indispensable to linking our diverse and far-spread states; and President Eisenhower's 1956 Interstate Highway System - where would we be without them? And these systems, as great as they are, are in disrepair and close to failure in parts. Biden cited his State of Delaware's roads in 16% of poor condition. Magnify that nationwide. 

That's one need for jobs: our roadways are in need of expansion, whether widening them, or new loops around or thru major cities, like I-295 around my state capital Trenton, or I-495 around Boston, and others - but more are needed - and think of the jobs! And then there's public transit - from as simple as concrete neighborhood sidewalks, to as complex as high-speed rail and subway systems. 

I just drove thru my adjacent development of private residences, with maybe 10 cross streets and a hundred+ homes. Some of the worst streets had been paved or patched in wide swaths; sidewalks for walkers were present throughout (and I love to see residents walking, or running, or walking their dogs - extra eyes on the neighborhood peace and security), and white-painted pedestrian crosswalks were at each STOP sign! Rare in 99% of neighborhoods, but I think they should be mandatory. 

Crosswalks are mandatory as a safety feature, forcing drivers to look more carefully before proceeding, and enforcing NJ's basic driving law - The Pedestrian Right Of Way -- unfortunately, as defined, only in crosswalks! Municipalities with funds can invest in the white-painting equipment, and train new hires who don't need specialized skill - and pay a decent outdoor-laborer wage. Yes, outdoor workers should earn more, like in construction, road building, utilities public works etc. Have you worked outdoors on a hot sunny day in your garden or cutting lawns?

And local roads. I don't know about you but the 25 foot-wide street in front of my home has enough space for one car to pass thru when cars are parked on both sides of it, but not enough room for two cars to pass. All future streets should be wider, for traffic to pass each other and for on-street parking on both sides. That one rule would promote cleaner and neater and safer development, especially when neighbors have parties/get-togethers where cars clog the streets. And convenient parking, and more parking garages in towns and cities are critical to attracting visitors and commerce.
And all these new shopping centers and neighborhoods require public-private partnerships between developers and government.

And then there's major roads and county roads that also must be made wider and safer, with either swaths of pullover lanes for car breakdowns, or mandatory shoulders for better traffic control getting to also around left-hand turners, and for walkers and bicyclists when no bicycle lanes or sidewalks exist. And part of that shoulder when not for parking should have the marked bicycle lane to encourage fewer cars and for safety. This also allows for double-lanes 10 or 20 years from now, and then those roads can be re-configured again to resume their wideness. And the jobs to do all this! Imaging the millions needed! All from implementing simple, uniform, transportation and development rules uniformly, in every jurisdiction. Every.

The same principles apply, a shoulder for example, and wide and long on and off-ramps apply to Interstates (47,000+ miles), and interconnected National Highway roads (160,000+ miles). "Passenger transportation [in the U.S.] is dominated by a network of over 3.9 million miles of highways [and local roads] which is pervasive and highly developed by global standards. Passenger transportation is dominated by passenger vehicles (including cars, trucks, vans, and motorcycles), which account for 86% of passenger-miles traveled.  As of 2003, there were 759 automobiles per 1,000 Americans. Bicycle usage is minimal with . . . 856,000 American workers nationwide)." (Wikimedia)

And how do we pay for all these road workers and materials? One, we have a federal surtax on gasoline gallons sold which is 18.4 cents per every $3.59 spent on a gallon! You mean to tell me we can't increase that to 25 or 30 cents as we continue to improve refineries and take actions to lower gasoline costs nation and worldwide? And the States also add their gasoline surtax, in New Jersey it's 10.5 cents per gallon, so surely this must be increased as well. It's been the same for almost decades. This idea that we shouldn't pay taxes for what we use is ill-conceived and foolish, and surely the Motor Fuels Tax is the fairest, emblematic of taxing the users of the roads equally. And why put our magnificient NJ Transportation Trust Fund in jeopardy? Really there's no excuse for not raising, and spreading out, funds needed for what every single one of us enjoys. I mean, if you really have a problem with unfairness of the Motor Fuels Tax, issue discount cards to those in lower income brackets to use when fueling up

Next issue I'll talk about railroads and subways, the one (railroads) in jeopardy of disappearing in some respects, and the other (subways), needing dramatic increases in coverage for larger cities. If you've ever used New York City (MTA) or Washington DC (Metro) subways, you'd know they were as different in quality as night and day, you'd know the needs exist not just for expansion and new creation, but for overhaul and re-creation as well.

My next part will speak about these critical necessities.

Best, Rod
Copyright 2014 
Surviving Bipolar Disorder in the modern age . . . a journey of Hope for the afflicted.
My poetic memoir Episodes available at www.amazon.com/episodes-rodney-richards/dp/0615914705/   
 
Email subscribe to my Blog at the bottom of this page or subscribe thru NetVibes (see right side). Both free of course, thanks to Blogger by Microsoft...



Tuesday, July 22, 2014

Seth Godin - Author and Blogger Worth Investigating

Seth Godin seems to be a positive pragmatic guy, with oodles of interestingly written tips and advice for living and for would-be entrepreneurs and authors. And he's eclectic, using whatever works. Just Google his name or go to www.sethgodin.com to check it out, and I would recommend subscribing to his daily Blog. Usually very short but to the point with a point to make. Dynamic, and usually on target - you should enjoy and learn.

Here's a sample from his free eBook "What Matters Now," highlighting Tom Peters 19 Es of Excellence -- universal truths and values, worthy of any social conscience as another:

Enthusiasm! "Be an irresistible force of nature!
 
Exuberance! Vibrate—cause earthquakes!

Execution! Do it! Now! Get it done! Barriers are baloney! Excuses are for wimps! Accountability is gospel!
Adhere to the Bill Parcells doctrine: “Blame no one! Expect nothing! Do something!”

Empowerment! Respect and appreciation rule!
Always ask, “What do you think?” Then listen! Then let go and liberate! Then celebrate!

Edginess! Perpetually dancing at the frontier, and
a little or a lot beyond.

Enraged! Determined to challenge and change the status quo! Motto: “If it ain’t broke, break it!”

Engaged! Addicted to MBWA/Managing By Wandering Around. In touch. Always.

Electronic! Partners with the world 60/60/24/7 via electronic
community building of every sort.

Encompassing! Relentlessly pursue diverse opinions—the more diversity the merrier! Diversity
per se “works”!

Emotion! The alpha. The omega. The essence of leadership. The essence of sales. The essence of marketing. The essence. Period. Acknowledge it.

Empathy! Connect, connect, connect with others’ reality and aspirations! “Walk in the other person’s shoes” — until the soles have holes!

Ears! Effective listening: Strategic Advantage Number 1!
 
Experience! Life is theater! Make every activity-contact memorable! Standard: “Insanely Great”/Steve Jobs; Radically thrilling"/BMW.

Eliminate! Keep it simple!

Error-prone! Ready! Fire! Aim! Try a lot of stuff and make a lot of booboos and then try some more stuff and make some more booboos—all of it at the speed of light!

Evenhanded! Straight as an arrow! Fair to a fault! Honest as Abe!

Expectations! Michelangelo: "The greatest danger for most of us is not that our aim is too high and we miss it, but that it is too low and we reach it.” Amen!

Eudaimonoia! Pursue the highest of human moral purpose—the core of Aristotle’s philosophy. Be of service. Always.

Excellence! Never an exception!
If not Excellence, what?"
A great question. If not striving for excellence in all things, what are you striving for? Survival? mediocrity? Nothing particular? 

Best, Rod
Copyright 2014 
Surviving Bipolar Disorder in the modern age . . . a journey of Hope for the afflicted.
My poetic memoir Episodes available at www.amazon.com/episodes-rodney-richards/dp/0615914705/   
 
Email subscribe to my Blog at the bottom of this page or subscribe thru NetVibes (see right side). Both free of course, thanks to Blogger by Microsoft...


 

Saturday, July 19, 2014

Every Day is "Improving Our Lives" Day



An article by Shana Rappaport copied here: 
"VERGE, as we often say, is what sustainable business should be about: systems thinking, radical efficiency, innovation, busting through silos and, ultimately, moving the needle on challenges like energy and climate. It should also be about improving lives — a metric that’s admittedly elusive. But that doesn’t mean we shouldn’t try".
 
I was reminded of this yesterday, Human Rights Day, which commemorates the United Nations’ adoption of the Universal Declaration of Human Rights. It got me thinking about the whole “improving lives” part of VERGE. How do we ensure that this is part of the conversation, central to our actions and not merely a happy outcome? How do we make sure that VERGE is not just about technology for technology’s sake, and that we’re effectively addressing some of the world’s most pressing social challenges as well as its environmental ones?

Take sustainable mobility — hyper-efficient vehicles, alternative fuels, smarter roads, the data layer and the apps that allow so many new products and services. How much is all this is actually expanding access to mobility for those who don’t have it? For example, is access to reliable public transit really improving, or do we merely reliably know that “the bus is late”?"  Source: The Verge: founded in 2011 in partnership with Vox Media, and covers the intersection of technology, science, art, and culture. Shana Rappaport 12/11/13



Human Rights Day is observed by the international community every year. It commemorates the day in 1948 in Paris when the United Nations General Assembly adopted the Universal Declaration of Human Rights. The formal inception of Human Rights Day dates from 1950, after the General Assembly passed resolution 423 (V) inviting all States and interested organizations to adopt 10 December of each year as Human Rights Day.
 
When the General Assembly adopted the Declaration, with 48 nation-states in favor and eight abstentions, it was proclaimed as a "common standard of achievement for all peoples and all nations", towards which individuals and societies should "strive by progressive measures, national and international, to secure their universal and effective recognition and observance". Although the Declaration with its broad range of political, civil, social, cultural and economic rights is not a binding document, it inspired more than 60 human rights instruments which together constitute an international standard of human rights. Today the general consent of all United Nations Member States on the basic Human Rights laid down in the Declaration makes it even stronger and emphasizes the relevance of Human Rights in our daily lives.


The High Commissioner for Human Rights, as the main United Nations rights official, and her Office play a major role in coordinating efforts for the yearly observation of Human Rights Day. (From 12/11/13 Human Rights website)



Best, Rod
Copyright 2014 

Surviving Bipolar Disorder in the modern age . . . a journey of Hope for the afflicted.
My poetic memoir Episodes available at www.amazon.com/episodes-rodney-richards/dp/0615914705/   
Email subscribe to my Blog at the bottom of this page or subscribe thru NetVibes (see right side). Both free of course, thanks to Blogger by Microsoft...


Wednesday, July 16, 2014

Who Dares Chain-up the Hand of God?

Who dares chain-up the Hands of God? Only the foolish. Only those who have forgotten their God and forgotten the purpose for which they were created -- to know Him, to love Him, and to serve humankind. And to know Him is to see His Face on every stranger, to care for our loved ones and family and sacrifice what we have - our time, sweat, and material goods -- for their happiness. Which, in turn, pleases our souls and prepares them for Paradise.

I am incensed over Israel's war machine bombing innocent and guilty Gazans alike. How dare Israel? That's what we said when Russia took over Crimea, and now we say nothing? The laws of "might makes right," and "A tooth for a tooth" were abolished by His Holiness Christ almost 2,000 years ago. How can we allow these smaller Hitler's to unleash such violence? Too many Jews are acting exactly like the hypocrites they were in 33 A.D. But this is the new millennium! And how they, of all the people on the earth and the utter suffering they endured, should know and do better! We've learned how to solve disputes without violence, through fairness and compromise. Our hippie mantra in the '60s is still valid today -- "Give peace a chance."

We know we feel better inside and out when we help our neighbor, when we please our boss, when we perform that random act of kindness by escorting a damp woman shopper to her car with our umbrella in the middle of a downpour. But how soon we forget, and ignore others needs and wants -- needs and wants exactly like ours, all of us longing for a place to call home, a decent and fulfilling job, the freedom and security to mingle on city streets without fear of robbery, or rape, or death at the hands of a criminal madman or an irreligious fanatic. Israel thinks that's what they are protecting, but instead they are creating such hate that their utter destruction will not be enough to satisfy it.

Who can begrudge paying taxes for electricity and water, and a home and schools for our children, defense and a civil society?  Do we expect to pay nothing for true liberty? What is freedom but to sit calmly down for breakfast at the diner every morning and be welcomed by the wait staff with a smile and a cup of coffee? Or to browse the aisles at Shop Rite or Acme and feed ourselves and our family from a myriad of food and drink choices? Or to attend Mercer County College in the evenings and learn Business Law to aid in one's profession? Or even to learn Philosophy or Information Processing?

What do we expect? To pay nothing? to have life's benefits handed to us simply because we exist? To be supported by the government when we truly need it here in America, yet starve to death in a poor third-world country? All as an outcome of our happenstance place of birth? What human heart can ignore and overlook such suffering in the world without at least attempting to make life a little easier for their own children, coworkers and friends?

Yet we allow a few megalomanic individuals and war hawks in power to control their country's resources to the extent of only providing for themselves and their elite family and cronies. Who are these people? Are they even human with human hearts? Why haven't they been dethroned and smashed from power, and imprisoned for their crimes against humanity? 

The answers are precisely why we fight war - and the only legitimate reason - to free those under oppression from its yoke of untold suffering. Unnecessary suffering - if only we care enough to act and not debate endlessly what will be politically correct. How can we stand by and let Gaza, Syria, Iraq, Afghanistan and Ukraine be torn to pieces by an invading force of indoctrinated soldiers and thugs? How can we provide safe haven for conscientious-objectors and defectors from the evils of fanaticism and Communism that have proven, over and over again, utterly deficient in the Middle East, Russia, China or in any country? We have the U.N. Peacekeeping Force, now weakened by effete isolationists and lack of funds, that has the expertise and program experience, as shown in Desert Storm and Kosovo, to set right these outrageous incursions and civil wars, to draw new borders if necessary and bring stability and peace to the regions. We have the International Criminal Court to hang these monsters and send them out of our world forever as the Iraqi government did with Saddam Hussein. 

Such institutions are the new Hands of God in our lifetimes if we would just reach out and grasp them.

And to those who say this New World Order doesn't work, will never work, and that national sovereignty at all costs is the solution to this modern world's civil, social and economic problems, I say again -- how foolish of you. How ignorant of true reality. How close-minded and close-hearted to the potential of a truly unified humanity.

No person, no organization, no people, no country can thwart the divine Purpose, the divine Will. And the divine Purpose is surely for His creatures to exist and live on a peaceful and unified planet. 

How can it possibly be otherwise?  

Best, Rod
Copyright 2014 

Surviving Bipolar Disorder in the modern age . . . a journey of Hope for the afflicted.
My poetic memoir Episodes available at www.amazon.com/episodes-rodney-richards/dp/0615914705/   
 
Email subscribe to my Blog at the bottom of this page or subscribe thru NetVibes (see right side). Both free of course, thanks to Blogger by Microsoft...

Monday, July 14, 2014

Why NOT Humane and Sane Gun Sale Controls?

I've already written a blog or two on this theme, not because I'm in favor of delegalizing private gun ownership, but because I see the reasons and benefits of owning a gun far outweighed by the devastation and havoc their shootings produce in America, as witnessed by our bloody and senseless history of innocents - children, teens and adults - being murdered by the minute. And not killed in self defense, property or national defense; which have been the biggest arguments for non-controls used by the NRA, manufacturers/gun industry lobbies and individuals.

In 2009, according to the United Nations Office on Drugs and Crime, 67% of all homicides in the U.S. were conducted using a firearm. Two-thirds of all gun-related deaths in the U.S. are suicides. In 2010, there were 19,392 firearm-related suicides, and 11,078 firearm-related homicides in the U.S. (33,478 deaths - 83 less than by auto in 2012) In 2010, 358 murders were reported involving a rifle while 6,009 were reported involving a handgun; another 1,939 were reported with an unspecified type of firearm. (Wikipedia) The abberational massacres that occurred at Sandy Hook Elementary School (20 children killed; 8 adults) or famously in the Aurora Colorado movie theater, or the Virginia Tech and Columbine School Massacres, are manifestly performed by debatedly mentally unstable teens or persons who also had access to AK-47 assault rifles, Uzi machine guns, shotguns, rifles and pistols. (Why do we even sell assault rifles and Uzi's? To shoot deer and grouse?)

These human deaths are cruel and senseless universally acknowledged as not being nearly as destructive without the added benefits of high-capacity magazines and armor-piercing bullets.

The Congressional Research Service in 2009 estimated there were 310 million firearms in the U.S., not including weapons owned by the military. 114 million of these were handguns, 110 million were rifles, and 86 million were shotguns. In that same year, the Census bureau stated the population of people in the U.S. at 306 million. So it logical to say, "Hey, look how few gun deaths there are!
We don't have a problem."

Therefore I respond, "Then why own a gun in the first place? There'd be even fewer deaths without them." And I'd ask, "Whose life are we trying to save here? The gun owners - the defender of his person and property? Or the innocents murdered by easy access to weapons?" Or, "Maybe we're better off with those suicides by the mentally ill - it stopped them from doing much worse with their gun." (I apologize for the analogy, but to some it seems any death by gun is not the gun's fault)

I can't help myself from asking, "How many times did having a private or business-owned gun deterred crime or thwarted robberies, rape or worse?" Here Wikipedia reports studies as follows: " . . . guns used in personal defense as low as 65,000 times per year, and as high as 2.5 million times per year." Well! Clearly personal weapons have been a deterrent! 

I mean, crime must be so much lower in Texas where I've heard (euphemistically) "everyone owns a gun." The Uniform Crime Report states that between 950,000 to 1 million crimes occur involving property, annually, and a steady 100,000 violent crimes were committed every year in Texas, between 1997 and 2011. Essentially the reports says there's a violent crime every 5 minutes, and a property crime every 35 seconds. A firearm committed 66% of 2011's gun deaths, or 719 of 1,089 murders in a population totaling over 25 MILLION in 2011. (U.S. Census) So, obviously and apparently, by these numbers anyway, Texas doe not have a gun problem! It's violent crime IS low compared to its general population.

Obviously Texans are doing something right therefore, say as opposed to New York City's 8.337 million kids, teens and adults in 2012.  (There's 182 American cities with pops over 100k, and Texas has 32 of them (18%), another factor in crime overall) According to a NY Post Metro article on Jan. 28, 2014, there were fewer than 1 gun-related death's in NYC for all of 2013 - less than 1 per day. A "33% spike in murders for fewer guns seized." And we know ex-mayor Michael Bloomberg essentially tried to outlaw guns by forming a bipartisan coalition, Mayors Against Guns (supposedly with over 1,000 members today), as well as instituting limits on gun sales and a registry. 

The point? Texas with its abundance of guns, populous cities, crime rate etc., had 719 gun murders (2011) for 25 million people, versus NYC's 8.337 mil, and a c. 350 gun murders (2013) equals <.00003 for Texas and > .00004 for NYC. Therefore, logically speaking, the proliferation of guns is to be accelerated in America, not decreased!     

Ahh, statistics and damn statistics. No wonder we're not passing sane gun laws. 

All I can say is: I'm glad my son and his family live in Manhattan and not in Texas.  Somehow I feel he's safer with fewer guns around than more.

I guess I'm just illogical.

Best, Rod
Copyright 2014 

Surviving Bipolar Disorder in the modern age . . . a journey of Hope for the afflicted.
My poetic memoir Episodes available at www.amazon.com/episodes-rodney-richards/dp/0615914705/   
 
Email subscribe to my Blog at the bottom of this page or subscribe thru NetVibes (see right side). Both free of course, thanks to Blogger by Microsoft...

Thursday, July 10, 2014

Saving a Buck is Easy When You Care To

Do you even care that you are spending more money than necessary when you buy gas, or coffee, or a meal? Do you even get the Sunday paper at least, just to cut out Acme or ShopRite coupons and to see what's on sale? Or do you not like "FREE" - the next best thing in life, like free sex, free money, free services, free iPads or laptops?

I care a little, enuff to go out of my way, a little, and I/we save hundreds, a thousand dollars every year on everyday purchases. And I'm sure you know how, but here's our (Jan and mine) list of how:

1. Using a Bank credit card like Visa, Discover, Mastercard, American Express et al., with rewards - Earn a point for everyday purchases like clothes, gasoline (from practically any brand), restaurant food (all purchases), movies out or on Netflix, and hundreds, thousands more. All you have to do is sign up online for your card's Rewards Program! How easy! Jan and I login to our Rewards Card website and order $25 gift cards for Barnes & Noble, Chili's, Applebees, Longhorn, Dunkin Donuts (coffees for me, Coffee Coolatas and tea for Janet), Panera pastries and other tasties etc.

And then they run their special incentives and offer 5% Cash Back promotions usually for a few months at a time, not just the usual 1.5 or 2.5% cash back. My card sends me an online notice, I click their blue link, and I'm signed up automatically just like that!

I always thought the government would do well to offer similar promotions for all the sign ups (was it 25 million?), that they wanted for the Affordable Care Act, you know, "Here's 3 months of premiums at half price when you join!" kinda thing. I mean why shouldn't government be run like a successful business - and discounts, discounts and sales are, and always have been, preferred, desired and effective at generating sales and new loyal customers.Is there a better way yet found to attract new customers than offering a free toaster or VISA card when opening a bank account (remember those days?), or 10% discount off your next hour's Sears purchases by applying for their credit card?

2. Specific Rewards clubs like Dunkin with free medium drinks for every 100 "Points" earned (dollars spent), which coupons come to my email automatically and I just print them out. I just used one of three I printed out less than 30 minutes ago! That's $1.72 each saved, what with my senior discount deducted too.  Look at all the printable Staples coupons or rebates I print out from their weekly email newsletter subscription. For example, I paid $21 at the register for 5 reams of printer paper a while back, and received a check from the Staples Rebate Program for 19 bucks three weeks later! And  Panera's - by either swiping our membership card or giving them my phone number at their register when I visit their store nearby, and order anything, we get free coffee or pastries. Or another of our favorites, Dairy Queen, where for 6 card punches earned, we get a free Blizzard, valued at over $4.50. We have Blizzards every Friday nite almost, so that equals about 40 bucks saved every year on something we definitely would have bought anyway.

And the store rewards credit cards like Kohl's especially, and receiving 15, 20 and 30% discount coupons in the mail, off of store or online purchases (and many times they still take the discount off even tho the coupon expired - Bed, Bath & Beyond does it too). Janet and Kate always take advantage of these, to the point where when we need a piece of clothing, we wait to receive a coupon and check there first.

3. Coupons -- What with floundering Groupon and hundreds of other sites, many where you buy the "tickets" from them and then use them at the specified business when and where you like - at half price or so, that's a damn good deal also. And again, easy to do online. Via Bravo for the Internet! What a difference from waiting to only cut out coupons from the daily and Sunday newspaper like our mothers did in the past! (And Jan still does) Apparently here in the U.S. the first free coupons were given out in 1892 by company founder Asa Candler. And look at the Coca-Cola company today - with a May 2014 Market Cap valued over 168 billion dollars. I wish I'd bought Coca-Cola stock back in the '70s!

4. Contests for free stuff -- Now more than ever, chances have never been greater for you to win a valuable item just by providing your name, address and email info.

So we all know that the best stuff in life isn't free - it's the people, organizations and things we invest ourselves in that give us the most pleasure.

But free rewards, discounts, coupons and contests - especially the multi-thousands available today in 2014 - offer a lot of pretty easy ways to become happier - and richer.

 Best, Rod
Copyright 2014 

Surviving Bipolar Disorder in the modern age . . . a journey of Hope for the afflicted.
My poetic memoir Episodes available at www.amazon.com/episodes-rodney-richards/dp/0615914705/   
 
Email subscribe to my Blog at the bottom of this page or subscribe thru NetVibes (see right side). Both free of course, thanks to Blogger by Microsoft...

Saturday, July 5, 2014

What Type of Government and Taxes do You Want?

[Below is an excerpt from a much longer piece on world society]



Scenario

Many years have passed, and the United States and much of the world has achieved a conscious adulthood and finally climbed out of its turbulent adolescence, but only after severe trials and tribulations affecting all human institutions and peoples. The old politics of polarization and divisiveness, corrupt and preferential governmental and other policies, much indifference to the poor and uneducated, and the pursuit of wealth as a means to an end at all costs, have been exposed as vacuous and destructive, and have been relegated to the dustbin of history. Collective security provides peace and stability at all levels of society, all governments are based on the principles of federalism and democracy, and national borders defined and adhered to. Nation building has ended.


As documented in both The Secret Peace and The Better Angels of Our Nature: Why Violence Has Declined, human conditions are steadily improving and fair policies and practices have been instituted in all aspects of life. Over time, a moderating influence has blanketed human relations, based on noble human values such as love, justice, equity and social welfare. Governments heed the voice of the Silent Majority, silent no longer. Because freedom of expression, consultation and consensus govern all social relationships, timely and effective problem-solving is achieved more readily along with social good. Moderate policies in all areas have created organizational stability and reliability in free markets. A kindly tongue has replaced invective and violence in all their forms, and the goal of all human interaction has become mutual agreement based on truthfulness and equity.  

Here follows my glimpse of a possible future American society, based on this scenario:

    Government. By this time our federal system is strong, non-arbitrary and non-preferential laws and regulations universally applied, and state laws cannot trump or conflict with federal laws which now cover lower levels of human and business interactions.  Government serves all its constituents, at only five levels: federal, state, county, township and city. Three branches of government still apply: Executive, Legislative and Judiciary, with clear separation of duties, powers, and responsibilities and without internecine strife.

 They cooperate and support each other to the extent that the general public good and security are always the primary goals of all governmental operations. As individuals, Americans have ceded some of their personal rights for the common good of the majority. Strict regulations, limits, and controls, govern such things as the right to create and sell smut, ban or burn books, and purchase and own guns. Likewise, the States have ceded some of their sovereignty to make laws and collect taxes in favor of national standards. For example, access to, and availability of, good healthcare and competitive medical programs where the user knows all costs and prices in advance, and which are administered nationally, e.g. the Affordable Care Act Exchange, and archaic state laws restricting health, life, auto etc insurance sales and programs are administered nationwide with regional influences incorporated, and not state-by-state. Another example is a national sales tax of 6% on the purchase of 90% of products and services, including all items purchased online.

The Executive administers stewardship of the country’s vast resources and production, provides for common defense and emergency responses, as well as social services; maintains foreign relations, and enforces laws and regulations. Executive departments are limited to seventeen, as follows: Government Administration and Oversight, Treasury and Finance, Foreign Affairs, Transportation, Human and Social Services, Defense and Veterans Affairs, Agriculture, Law and Public Safety, Corrections, Education, Environmental Protection, Energy, Healthcare and Senior Services (e.g. Social Security, Medicare, Medicaid - with more emphasis on home care services), Commerce, Information Technology, Arts and Sciences, and Labor and Workforce Development.

The Legislative branch is composed of a bicameral legislature (i.e. senate and assembly), as envisioned by the Founding Fathers, and flourishes based on compromise and consensus at both the federal and state levels. Proposed laws are discussed in public forums before passage, and online access to all bills and ordinances provides multiple opportunities for public comment, opinion, and debate. Elected representatives vote their conscience and are not responsible to vote the way others would choose or wish them to, according to any individual, political party, cabal, industry or group. More than two parties coexist to accomplish solutions to societal problems. Elected representatives are not accountable to those who elect them, and their record speaks for itself. They adhere to the highest ethical standards and rules of conduct in order to retain their position.For example all campaign contributions have limits and influence-peddling and lobbying are restricted to information and fact-sharing.

The Judiciary. Municipal, county, state and federal court systems remain, but are coordinated and supplemented by citizen volunteers for certain criminal and civil issues, such as impartial mediation to adjudicate disputes. Many state laws have given way or been abolished in favor of uniform federal laws, much like the national transportation system and interstate commerce is handled. This applies to criminal law as well, except there is some leeway in creating strictly statewide laws and local ordinances. For example, in driving, right on red is the law of the land, but applicable governing bodies can post signs with restrictions or changes based on jurisdiction and local conditions. Most laws are crafted to be flexible in this way. All laws and regulations are easily accessible and searchable online by any citizen or organization, both well before and after passage, and there is an easy online process for commenting. The universal legal age for adulthood is set at 18.  All proposed and approved laws are published daily in major media outlets and are easily searchable online, as are governmental budgets.  Laws are reviewed every three to five years for applicability and are modified or abolished to fit the times.

Government Funding for all levels set on a two-year budget cycle:

Income tax - progressively higher based on income level. Very few loopholes and fair, limited, standard deductions only. Government promotes social polices like promoting and installing energy efficient and renewable energy sources with tax credits. Minimum taxable income levels set before taxes are due. There are few exceptions and and exemptions.

Sales tax - One country-wide flat sales tax (eliminating use tax in those states like NJ that have one), say 6% to start. Sales taxes collected by all businesses as done now are forwarded electronically from business bank accounts to a Federal account bi-weekly. A new federal taxation collection division of revenue, part of IRS, collects national sales taxes and accounts for it publicly. Businesses have online access to all their records, like a bank account. This IRS division pays for itself from taxes collected, and distributes rest back to each state on a pro-rated basis based on how much tax is collected from that state's sales. Same taxing, rate-setting and collecting processes, apply to all online Internet sales.

Business tax - Same principle, progressively higher based on revenues FROM ALL SOURCES (i.e. all products and services sales), received by the business, including investment interest made by the company. Business "Pilot projects" are taxed at an initial lower rate for 3-6 months only, then revert to full rate regardless of status of project/product/service success. This generates innovation, new products and new construction etc. Also, Special lower tax rate for business construction (or renovation of existing land/buildings), in blighted cities/brownfields area, BUT, all such lower rates have either time or project completion limits, including, for example, adequate leeway to become a viable entity, whether a housing complex with most units rented/sold etc. Gone are town, city, township, state and "special" 10+ year tax breaks for property taxes etc. and the cut throat practices associated with such vying. Special incentives for relocations or locating new business should and must be offered, but limited to up to three years absolute maximum, after which they revert to standard rates on the project. This eliminates public entities from unfair advantages, and makes them compete based on their natural resources both of skilled labor forces and natural resources. The three year rule applies to determine viability and taxability of any and all businesses. Determinations may be made based on products and services which specifically promote social good, and such are rewarded and/or tax slightly abated.

City wage tax - Cities are recognized as having population density requirements not found elsewhere. For example more and better public transportation like busing and subways is needed as well as more police, fire etc. More schools are necessary for higher concentrated populations. Cities apply for wage tax collection permits to the State/Feds who set reasonable standards.

Property tax - Owning real property (residences, land, buildings etc), is taxable based on services received such as fire, police, trash collection, education etc, and is tiered for homes (higher for 2nd and 3rd homes etc), business structures, land (developed, undeveloped) or farms - which are taxed at the lowest rate but only if productive and active, with fallow soil-building years built-in.

Luxury tax - Collected on luxury goods and services based on State or county where purchased. Tiered by industry or type of product, for example: high performance automobiles over $50,000 each, and  homes over $750,000, taking into consideration market values in the area and going rates. Foreign big ticket purchases are taxable if used or housed in U.S. more than 6 months a year.

Non-profit tax - Guidelines are set against absurd accumulation of wealth from contributions/donations/grants which may or not be earned and used by the entity, which kick in only when minimums are exceeded. The goal of non-profits should be to provide the service economically and efficiently to members and clients, and/or the public, pay all their bills, and have rainy day funds which should be non-taxable. But rainy day fund exemptions are set at various percentages of total personal/business income/revenue levels less expenses. And all non-profit expenses have to directly serve the organizations members and constituents or the public. Humanitarian funds and services are non-taxable, however, interest or dividends received on unearned income are taxable in all cases. Individual and business donations to certified charities and humanitarian or public welfare funds or endowments remain tax-deductible.

Important: All taxes paid by individuals, business and any and every entity, are not taxable again. Like now, standard deductions can be taken as set by Fed policy with State and local and personal input and updated every two years. Boards of taxation at all levels exist with educated members from the communities and businesses and governments, and have appeal processes.


Goal of any tax: Pay for what is needed by the public welfare and safety and for government to provide for such needs, mostly assisting private sector to do so where at all possible, and regulating commerce, education, the environment, energy, national and local defense, human services, and health and welfare, etc.

Goal of any tax deduction or credits: To promote the social good and better social behaviors, education at all levels, clean air and water and land, parks, modernization of outmoded/outdated, less functional or efficient materials or systems, like improving Information Technology.

Goal of all government: To promote the social good - employment, infrastructure (transportation etc), modernization, social services, safety etc.
NOTE: The Government needs enough funds to operate effectively and efficiently based on the needs of their constituents of all types - individual and business and other organizations.

  Best, Rod

Copyright 2014 

Surviving Bipolar Disorder in the modern age . . . a journey of Hope for the afflicted.
My poetic memoir Episodes available at www.amazon.com/episodes-rodney-richards/dp/0615914705/   
 
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