Category: Culture

Beware Free Dimes from the March of Dimes

| August 17, 2014 | Reply

Would you like to piss away some money? How about sending money to the March of Dimes, which recently sent me this letter that included a dime glued to the letter.

March of Dimes

The first thought in my mind is Robert Cialdini’s Rule of Reciprocity, which appeared in his best selling book, Influence: The Psychology of Persuasion:

Reciprocity – People tend to return a favor, thus the pervasiveness of free samples in marketing. In his conferences, he often uses the example of Ethiopia providing thousands of dollars in humanitarian aid to Mexico just after the 1985 earthquake, despite Ethiopia suffering from a crippling famine and civil war at the time. Ethiopia had been reciprocating for the diplomatic support Mexico provided when Italy invaded Ethiopia in 1935. The good cop/bad cop strategy is also based on this principle.

In his book, Cialdini points out that when someone hands us something, the feeling of indebtedness makes many of us feel compelled to reciprocate, and the reciprocation is often out of proportion to the initial gift. In the case of the March of Dimes, people get only dimes but they will often respond by writing checks for $25 or $50.

But should you contribute to the March of Dimes? Consider this, also from Wikipedia:

In his book Essentials of Sociology: A Down-to-Earth Approach, sociologist Professor James M. Henslin describes March of Dimes as a bureaucracy that has taken on a life of its own through a classic example of a process called goal displacement. Faced with redundancy after Jonas Salk discovered the polio vaccine, it adopted a new mission, “fighting birth defects”, which was recently changed to a vaguer goal of “breakthrough for babies”, rather than disbanding.

Charity Navigator, an organization that attempts to quantify the effectiveness of charities, has given the organization a rating of two stars (out of four). This is a merged score that attributes both a Financial as well as Accountability & Transparency rating to a non-profit. As of Fiscal Year 2012, Charity Navigator gives a 34.68 out of 70 score for Financial and a 67 out of 70 for Accountability & Transparency. This gives the March of Dimes a merged score of 44.93, leading to their two star status.

Another criticism has been that President Jennifer Howse’s compensation is high. In 2011 the March of Dimes 990 reported it was $545,982.[citation needed] In 2012 her compensation was reduced to $526,679.

 

Related topic: Charities that play the game of giving you something so that you give THEM something. Example: Girl Scout Cookies.

Share

Read More

John Oliver takes on Payday Lenders

| August 12, 2014 | Reply

John Oliver takes on Payday Lenders with a vengeance.   Check out Sarah Silverman’s payday loan alternative commercial at the end.

<iframe width=”560″ height=”315″ src=”//www.youtube.com/embed/PDylgzybWAw” frameborder=”0″ allowfullscreen></iframe>

I have often been highly critical of Payday Loans at this website. They are dangerous financial products that drive the working poor into bankruptcy, foreclosure and worse.

Share

Read More

Jim Carrey takes on guns

| August 11, 2014 | 1 Reply

This video, a parody of a show called “Hee-Haw,” takes on the glorification of guns with a feisty song. Jim Carrey plays the role of Charleston Heston.

The 2013 video caused quite a stir, even bringing Ted Nugent and other “patriots” out into the limelight.

Share

Read More

Civil Rights Organizations Sell Out

| August 6, 2014 | Reply

The Nation reports that venerable civil rights organizations are selling out on the issue of Net Neutrality. Literally.

[T]elecoms are desperate for third-party approval, and have even resorted to fabricating community support for their anti–net neutrality lobbying campaign. Perhaps the bigger picture here is how so many of the old civil rights establishments have become comfortable with trading endorsements for cash. Verizon, Comcast, AT&T and other telecom companies have donated, either directly or through a company foundation, to nearly every group listed on the anti–net neutrality letters filed last week. We saw a similar dynamic play out with Walmart when the retailer handed out cash to civil rights groups in order to buy support for opening stores in urban areas.

Times have changed. Just as Martin Luther King Jr.’s children have embarrassingly descended into fighting bitterly over what’s left of his estate, the civil rights groups formed to advance Dr. King’s legacy seem willing to sell out their own members for a buck.

Share

Read More

The tortured history of the Senate’s report on U.S. torture

| August 5, 2014 | Reply

Propublica has published this astonishing history of the Senate’s attempt to not get to the truth.

Share

Read More

Just Talkin’ Here

| August 4, 2014 | 1 Reply
Just Talkin’ Here

One of the more congenial things about FaceBook is that while flaming (and trolling and all such related hate-baiting tactics) still happens, users aren’t locked into the thread where it occurs. With multiple conversations going on all the time among many different arrangements of “friends” it is not a problem requiring something like a nuclear option to deal with. 

Share

Read More

People seek to date themselves.

| July 14, 2014 | Reply

From FiveThirtyEight Life

People are interested in people like themselves. Women on eHarmony favor men who are similar not just in obvious ways — age, attractiveness, education, income — but also in less apparent ones, such as creativity. Even when eHarmony includes a quirky data point — like how many pictures are included in a user’s profile — women are more likely to message men similar to themselves. In fact, of the 102 traits in the data set, there was not one for which women were more likely to contact men with opposite traits.

Share

Read More

On marrying the wrong person

| July 12, 2014 | Reply

The Philosopher’s Mail offers some wisdom here:

All of us are crazy in very particular ways. We’re distinctively neurotic, unbalanced and immature, but don’t know quite the details because no one ever encourages us too hard to find them out. An urgent, primary task of any lover is therefore to get a handle on the specific ways in which they are mad. They have to get up to speed on their individual neuroses. They have to grasp where these have come from, what they make them do – and most importantly, what sort of people either provoke or assuage them. A good partnership is not so much one between two healthy people (there aren’t many of these on the planet), it’s one between two demented people who have had the skill or luck to find a non-threatening conscious accommodation between their relative insanities.

The very idea that we might not be too difficult as people should set off alarm bells in any prospective partner. The question is just where the problems will lie: perhaps we have a latent tendency to get furious when someone disagrees with us, or we can only relax when we are working, or we’re a bit tricky around intimacy after sex, or we’ve never been so good at explaining what’s going on when we’re worried. It’s these sort of issues that – over decades – create catastrophes and that we therefore need to know about way ahead of time, in order to look out for people who are optimally designed to withstand them. A standard question on any early dinner date should be quite simply: ‘And how are you mad?’

Share

Read More

| July 9, 2014 | Reply

How pervasive are binding pre-dispute arbitration clauses imposed by for-profit businesses upon consumers? Herman Scwartz of The Nation reports:

Two reports issued at the end of last year show how effective the Court’s arbitration rulings have been. Last December, the Consumer Financial Protection Bureau (CFPB) issued a preliminary report, which found that contract clauses mandating pre-dispute arbitration are a “common feature of consumer financial contracts”; a final report is due by year’s end. The agency found such clauses in over 50 percent of credit card loans, 81 percent of prepaid charge cards and in checking accounts covering 44 percent of all insured deposits.

The CFPB found further that about 90 percent of such contracts, including almost all credit card loans, insured deposits and prepaid cards, also prohibit participation in current or future class or other joint actions in both judicial and arbitration proceedings. This usually forces consumers who have been injured in small amounts to drop the matter entirely, even though the defendant may have harmed many others the same way, for too little is at stake for each individual to justify the time, trouble and expense of individual arbitration. . . .

These two clauses are not just in consumer financial contracts, but are standard in cellphone and nursing home contracts, individual employment contracts, shipping agreements, passenger tickets and in many other areas. They have also been imported into the exploding commercial traffic on Internet websites. When consumers click their assent to the conditions imposed by a seller online, few if any realize they are often acceding to these limitations on their rights to a judicial resolution and a class action. Some merchants have gone so far as to claim that just opening a box for a computer, for example, is enough to constitute the necessary assent to such conditions in an “agreement” placed in the box.

What is the bottom line?

The Supreme Court has given financial institutions, businessmen, unscrupulous employers and others a license to do wrong. As the California Supreme Court put it, they have been given an “exemption from responsibility for [their] own fraud.”

Share

Read More