Something's wrong with the economy and it can't be fixed

 I'm not an economist, but this is something that's been bothering me.

If a company can build a business on issuing debt and buying bitcoin and create millions in wealth for its shareholders, what is the incentive for someone to deploy capital in building and running a factory?

Because of fed policy, pension funds have been driven into stocks.  Therefore, pension funds will become insolvent if the stock market stays flat or goes down over any extended period of time.  So if the stock market is guaranteed to go up, they why deploy capital building and running a factory or any other kind of business where you have to deal with the day to day stress of running the business including labor and legal issues?

Already most of the brightest students aren't seeking careers in medicine, engineering, research, or teaching.  They prefer to become quant traders or work for private equity firms.  This means we simply don't even have the talent to advance the technology as much as other countries do.  What is the incentive for someone to spend half a million on medical school when they can get a job as a realtor after high school and make as much as a primary care doctor?  Unless your earnings are indexed to asset prices (realtor, trader, etc.), your income is probably not keeping up with inflation and your standard of living is falling.  As an engineer or accountant, you struggle to get a raise.  If, on the other hand, your income is indexed to assets which have been inflating then you have made a killing.  So as a realtor, asset manager, private equity banker, etc. life has been great. 

Couple that with a broken medical system and the cost of labor for regular jobs is unaffordable for most businesses.  The medical system cannot be fixed without collapsing the whole economy and the stock market.

I can't think of a way out of this.  As a country, I often hear we will "inflate our way out of this".  But we can't do that because our unfunded liabilities (especially the cost of medical care) is going up much faster than the rate of inflation.

The broken web

 This post is a summary of broken systems and how it's darn near impossible to get them fixed.  It's important to keep these in mind as we try to automate more and more of our lives.  Because of issues like this, I dread the day of widespread AI adoption because it means WAY more inconvenience for customers and patients.

• 3/19/25 - It's 2025, and Gmail still puts a ton of legitimate email from technical mailing lists and from the customer service responses of various vendors in my spam box, while allowing spam and phishing messages in my inbox.  Unfortunately there is no way to disable the spam filter.  This has been going on for many years.
• 3/19/25 - I received an email from customer support of a prominent organization (AAA) where the "from" address was my email address.  In other words the from and to addresses were the same and there was no way to respond to them to tell them the address was wrong.  My mail app even showed as if the message were from me!  When I used the form to get in touch with them, the rep at the other end had no idea what I was talking about.
• 3/19/25 - I received an email from a merchant (a small olive oil vendor) with "do not reply" (and thus no way to respond to the message) notifying me that a certain product which I had ordered a couple of weeks ago had just shipped.  The product was already delivered several days ago, but there was no easy way to contact the merchant.  They do not even list an email address on their website.  I used the contact form, and interestingly when I got a response, it ended up in my spam folder on Gmail!
• 3/19/25 - I received a text notification from Doordash that my order was dropped off approximately 5 hours after it had been dropped off.
• 3/19/25 - My brokerage has been sending me 2 expiration notices for trades that didn't go through during the trading day.  This has been going on for many months and happened today as well.  The first one arrives at the close of trading at around 1 pm pacific time.  The second one arrives at the end of the business day at 5 pm pacific time.  When I contacted the brokerage about this, they suggested that I change the email address that I use for these notifications!
• 4/2/25 - I received an email from AT&T with a link to review my account.  I click the link and there's a flash of the screen but no web page opens, as if a web page opened and then closed immediately.
• 5/4/2025 - I noticed a product I bought from Nordstrom previously got merged with a cheaper product.  When I pointed this out to customer service, they insisted the pricing and description was correct.  Basically you had the cheaper product being sold at the price of the more expensive (the EVA product whose normal price is $54.95 was being sold at the price of a leather product at $200).  No amount of going back and forth with their customer service could fix this.
• 5/6/2025 - I searched for sandals on the Nordstrom site and filtered by Men & Sandals.  Yet I had a bunch of boots and boat shoes show up in the search results.  Next, I order something and ask for it to be shipped to store.  A day later I get a text message from DHL asking me to authorize delivery (to the store) without signature!  It is also impossible to send an email to Nordstrom customer service.

Numerology for names

Here are the numbers for each letter from Cheiro's Book of Numbers.  If the name adds to a single digit, those are covered in separate chapters starting at page 38.  If the name adds to double digits, those are covered starting on page 80.  Many folks that utilize numerology will change the spelling of their name to one that adds up to a more fortunate number.  You can use this page to run the computation for your name.

1 - A, I, J, Q, Y

2 - B, K, R

3 - C, G, L, S

4 - D, M, T

5 - E, H, N, X

6 - U, V, W

7 - O, Z

8 - F, P

Car design trends that I wish would go away

 Here are some car design trends that have seem to have taken over the auto industry that I wish would go away.  They help with neither usability nor aesthetics.

• Use of piano black in the interior.  These show fingerprints and dust very prominently and are also prone to being scratched and showing those scratches.  Use matte black or wood instead.
• Use of shiny chrome in the interior.  This reflects light and in some situations can be downright uncomfortable for the driver.  Use brushed aluminum instead.
• Ever larger wheels.  16" or 17" wheels on a sedan of any size should be good enough.  On an SUV 18" or 19" should be the most needed.  Larger wheels have tires with smaller sidewalls and make the ride uncomfortable especially given the pothole-ridden roads we have nowadays.  Bigger wheels and tires weigh more (lower mpg and slower acceleration), and they cost more to replace.  It's insane that we now have cars with 18" or 19" wheels and SUVs with 20" to 22" wheels. 
• Excessive use of screens and touchscreens.  It's OK to have one small one for navigation and infotainment, but why put things like climate control in there?  Why have a complicated digital dash controlled by complicated steering wheel controls when a simple one will get the job done?  Would really appreciate physical controls for the climate control.  Most of these screens have flicker, sometimes excessive flicker.
• Uncomfortable seats with poor padding.  Many newer cars seem to have extra firm seats with worse seat comfort than the corresponding previous generation.  It almost mandates using a separate seat cushion to get adequate comfort during long drives.
• Use of run flat tires.  These are noisier to begin with and get even noisier and harder as they age.  This makes them very uncomfortable especially on bad roads.  They are also heavier so getting rid of the spare doesn't save much weight, if any once you have all the extra weight of run flat tires. Finally, they are more expensive to replace and it greatly reduces the number of choices available.  I really wish they'd stick with regular tires and a compact or full size spare.
• White LED headlights.  The color temperature of most headlights nowadays is too high and will tend to cause fatigue and lead of difficulty falling asleep after one has been driving at night.  A warmer color temperature that matches regular halogen headlights would be better.
• Plastic trim around wheel wells. For some reason car makers decided to stop painting these and expose black plastic which fades and looks horrible over time.
• Crazy wheel designs.  What was wrong with the single color 5-spoke, 7-spoke, and multi-spoke wheels of the from the 90's to the early 10's?  Now we have the busiest wheel designs with all kinds of jagged and incoherent geometric patterns, often in black/dark grey/silver combinations.

Dealing with ID theft

Things to do to minimize any damage if your identity is stolen.

• Freeze credit bureaus.
• Equifax
• Experian
• TransUnion
• Innovis 
• Lexis Nexis (https://consumer.risk.lexisnexis.com/freeze)
• Chex Systems (for bank account opening)
• Early Warning System
• Clarity Services
• NCTUE (for utilities)
• SSA
• mySSA account to secure SSN with SSA (needs ID.me or Login.gov ID)
• Account with local state unemployment office
• Report stolen SSN to IRS and get PIN (needs ID.me)
• File a report with identitytheft.gov
• File a report with local police department

Here is a thread on reddit summarizing all the actions that need to be taken.

VW ID.4 test drive

I test drove a Model Y a while ago and liked it. I had been to a dealership to check out the Mach-E but didn't get a chance to test drive one. I've read a lot of negative reviews for the Mach-E (very low ground clearance comparable to a Mustang GT, only one key fob, complicated cooling system likely to cause problems as the car ages, etc.). I had seen a lot of good press for the ID.4 and had been wanting to try it. The nearest dealer is 25-30 min away in heavy traffic so I really needed to set some time aside to go in for a test drive. I finally made it in last weekend.

The demo car the dealer had was a RWD Pro S with Gradient Package (20" wheels).  Here are my thoughts on the car and also some comparisons to my 2019 Acura RDX and the Tesla Model Y.

Things I liked:

• Ride quality. Soaks up road imperfections really well. Better than RDX for sure and also better than the Model Y I test drove.
• The steering feel is great. The RDX steering has a bit more of an artificial feel to it especially when making low speed turns.
• The seat padding and overall seat comfort was excellent. I want to say I liked the seat padding better than the RDX's.
• The exterior and interior design. Simple, tasteful and functional.  
• I like the normal door handles better than the fancy-but-likely-to-pinch-if-not-careful handles that Tesla uses on the Model 3 and Y.  (Tesla uses different handles on the S & X.)
• The quality of materials is about as expected for this class.
• It drives like a normal car unlike the Tesla which uses very aggressive regenerative braking.
• The visibility is excellent, unlike both the RDX and the Model Y.

Things I didn't like:

• Road noise is pretty bad. I didn't even take it on the highway and I found it quite noisy even at 50 mph. It felt noisier than the RDX, and the RDX does a pretty bad job when it comes to noise.
• The range of seat height adjustment is a tad less than I would like. Because of back issues, I prefer to sit as high up as possible.
• The center armrest has a split design which felt kind of cheap.
• The location of the wireless charger is such that you'd have trouble seeing the phone's display when it's there.  Model Y really shines in this regard.
• I would have liked an opaque shade for the panoramic glass roof.  The Model Y doesn't have a shade.  The ID.4 has one, but it's a sort of fine mesh type of material and so it's not 100% opaque. I also don't think the glass that VW uses does as good a job at rejecting heat as the Model Y.  It was pretty nippy outside and yet I could feel a lot of heat through the glass and shade.
• There are some weird design quirks like no dedicated buttons for the rear windows--they use the same buttons for fronts and rears with a selector, difficult to decipher controls, etc.

I didn't really push the car in terms of acceleration. And I didn't play with the infotainment at all (the infotainment is a low priority item for me).

Overall, I was quite impressed with the ride quality. I thought it soaked up road imperfections much better than the Model Y and also much better than the RDX on 19" wheels. The dealership is surrounded by really bad roads and both on the drive in and out I could tell my RDX did much worse.   However, I still don't think I liked it enough to want to get one.  If it came down to a choice between the Model Y and the ID.4, I think I'd pick the Model Y.

Peak technology

I am of the opinion that we have reached the peak of technology that benefits people at large.  From here on out almost all technological developments will be in the area of mass surveillance--monitoring driving, consumption habits, health, etc.  I'm not sure how this information will be misused, but misused it will be.

Technology is continuing to be abused in many ways.  AI is imperfect and will adversely impact the lives of those that are incorrectly classified as false positives in whatever the AI program is looking for.  This is likely to cause a lot of pain for those people.