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  • Improving the 401(k) System

    Many people don’t even take advantage of a 401(k) to save for their retirement. From a public policy perspective it creates a huge long term problem. The economy will end up with millions of people that didn’t save for retirement and will be a drain on those who did save for retirement and the rest of the economy.

    So Congress actually passed a good revision to the law. Employers will now be required to default to having employees save for their retirement in 401(k) plans. The employee still has the option to decline doing so, but now, without such a choice, they will automatically save for retirement. 

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  • Patent Review Innovation

    Michael Crichton wrote an essay critical of the current patent law: This Essay Breaks the Law. I believe the US is making significant mistakes in how we are proceeding with the patent system, see: The Patent System Needs to be Significantly Improved.

    That’s the basic concept behind a pilot program sponsored by IBM (Charts) and other companies, which the U.S. Patent and Trademark Office appears poised to green-light. The project would apply an advisory version of the wiki approach to the patent-approval process.

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  • Critical Thinking is Needed to Counter Propaganda

    That Russians used propaganda and misinformation to attempt to get voters to vote for Trump is important. But the main thing that should have prevented those attempts is sensible critical thinking. The best defense against propaganda is critical thinking and transparency. If the population is trained and accepts being lead to conclusions with obvious propaganda it doesn't matter if you shut off one path for propaganda, others will emerge.

    What you need to do is create an expectation of reasoned debate. Sadly the USA has done a very poor job of this. We have allowed politicians get away with obviously false claims. We have promoted not critical thinking but the unthinking following of propaganda.

    Until we greatly increase the respect for critical thought and debate we are in trouble. It doesn't matter much what form those seeking to use propaganda use to manipulate people what matters is how susceptible a large number of people are to propaganda.

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  • Factfulness – An Extremely Valuable Book

    Data is extremely valuable in helping us make decisions and evaluating the effectiveness of policy. However it is critical to be careful. It is very easy to focus on meeting targets that seem sensible – increasing the number of hospital beds – but that lead to less effective policy.

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    The book relentlessly points out the great progress that has been made globally over the last 50 years and how that progress continues today and looks to be set to continue in the future. We have plenty of areas to work on improving but we should be aware of how much progress we have been making. As he points out frequently he has continually seen huge underestimation of the economic conditions in the world today. This book does a great job of presenting the real success we have achieved and the progress we can look forward to in the future.

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  • The Continued Failure of the USA Health Care System and Our Politicians

    Providing a health care is extremely costly everywhere. Rich countries nearly universally provide a health care system that allows all citizens to get needed health care. Nowhere is it perfect and nowhere is it cheap. And nowhere is it more of a mess than in the USA.

    Sadly those we elect in the USA have continued for the last few decades to keep the USA healthcare system the mess we have now. The Affordable Care Act took a relatively small step in addressing several of the most flawed aspects of the USA system. It left unaddressed many of the major flaws. Instead of taking where we are now and making improvements to address the problems left from decades of Democrat and Republican created and maintained USA health care policy all we have had are demands to “repeal Obamacare.”

    This is exactly the type on avoiding improvements to maintain the existing (for the last few decades) broken healthcare system those in the USA must live with. 

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    We need to elect people dedicated to improving results not those interested in repeating slogans and avoiding any actual work on actually making things better.

    continue reading: The Continued Failure of the USA Health Care System and Our Politicians

  • Improvements to Credit Collection Requirements Have Had a Positive Impact

    Abuse of the credit system by 3rd party collection agencies (and credit reporting agencies) in the USA has been a long term problem.

    An attempt to partially address some of the abuses was a change in the required reporting practices that impacted collections accounts specifically, known as the National Consumer Assistance Plan (NCAP), which rolled into effect during the second half of 2017.

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    This was a small good step in protecting consumers from the bad behavior of credit reporting companies and their customers. But much more must be done to protect us from having our financial lives negatively impacted by bad practices of the credit reporting companies.

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  • Toyota’s Newest Humanoid Partner Robot

    T-HR3 reflects Toyota’s broad-based exploration of how advanced technologies can help to meet people’s unique mobility needs. T-HR3 represents an evolution from previous generation instrument-playing humanoid robots, which were created to test the precise positioning of joints and pre-programmed movements, to a platform with capabilities that can safely assist humans in a variety of settings, such as the home, medical facilities, construction sites, disaster-stricken areas and even outer space.

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  • Surviving Modern Conveniences

    Today my car wouldn't start. I guessed the battery died.

    I try to use Lyft. Their app says it is a bad connection and so it won't work (using iPhone on Sprint in Charlotte, NC - the 17th largest city in the USA). Sad but ok, whatever, deal with it. Ok try my iPad mini with ATT. Lyft connects and doesn't let me use it requires putting in a phone number before it will do anything so that I can get pin and give it to them. Ok, give them the number. Nothing ever comes from them. 

    Ok try Uber on iPhone. Uber asked for permission to spy all the time (not just when you are using Uber). Decline that intrusion. Now it can't find my current location. So I type it in. It finds it. Uber says it isn't available where I am and only offers their "luxury" options.

    ...

    The modern convinces really did help in many ways (I am still hoping the trickle charger will help, though as I write this it is still questionable). The battery is about 10 months old. But while it is great to have cell phones and apps to help us when we are stuck it is very annoying to have such bad connectivity in the 19th largest city in the USA and such lame usability failure in the Uber and Lyft apps. And it is frustrating to have to deal with your own lameness that likely caused the battery to die (I left the lights on in the car - the garage had lights on so I didn't register the car lights were not going off...) and putting in the wrong address...

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  • The Importance of Management Improvement

    If organizations just adopt management improvement practices I firmly believe customer service, financial performance and employee satisfaction could be improved. This was a big part of the reason I started to use the internet to share management improvement ideas back in 1996 (plus I find management improvement interesting).

    On the note of making a difference in people’s lives. I have had far more people tell me how my father (Bill Hunter) made a huge difference in their lives than ever tell me anything like that about myself...

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  • Keeping Older Workers

    Finland, Japan and a few others may lead the way but the western industrialized world is quickly aging. It seems pretty straight forward that the aging workforce is going to be needed. And companies are going to have to adapt (that is my prediction anyway). I have always thought it is crazy that we work full time and then stop all together. It makes much more sense to me for there to be a gradual easing of the workload.

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  • Measuring the Health of Nations

    Rankings: 1) France 2) Japan 3) Australia 4) Spain 5) Italy 6) Canada… 18) Portugal 19 and last) USA.

    The United States health system has some things to point to positively but the system seems to be losing ground to the rest of the world more and more quickly while many cling to a belief it is the best system around.

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  • Stupid Bureaucratic Requirement

    Is it really unquestioningly doing whatever you are told that is the value that is what is being aimed for? Seems pretty clear to me from even this short article this teacher understands the constitution much better than most people and cares enough to take the values that constitution endorses seriously. While the government looks like they only care about getting their form on file and don’t care at all what the purpose of that form is (the purpose can’t really be just to coerce everyone to sign it, can it?).

    ...

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  • The Growing Use of Apprenticeships in the USA

    Apprenticeships are a great option for many people. For one thing you don’t have to take on a huge debt burden (previous post: Personal Finance Considerations for Going into Debt for Education). Also for many careers and apprenticeship is what is needed, not a college degree.

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  • Society fails to invest in long-term solutions to long-term problems

    I respect John Green and his brother, Hank. Their Vlogbrothers YouTube Chanel is a regular, enjoyable and educational part of my online activity. I recommend watching a few of videos and seeing if they should also be part of your online activity. Here is a screenshot from when John liked one of my tweets :-)

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  • The Current Republican Party is a Huge Risk to the Future of the USA

    I am very concerned about the extremism that dominates the USA Republican Party. Far too many people are complacent...

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    The Republic Party has been on a long term effort to destroy the rule of law in the USA. The continued tolerance of those that openly tried to overturn the results of the election they lost is a critical issue that anyone that cares about the rule of law should not tolerate.

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    The long term efforts of the Republican Party to disenfranchise voters is another completely unacceptable behavior...

    continue reading: The Current Republican Party is a Huge Risk to the Future of the USA