Archive for Commentary

Paper or plastic?

dollar-499481_1280I carry cash. I always have. As a member of the last generation to grow up before the widespread existence of cell phones, I learned to always have at least a little cash on hand, if not only in case of an emergency.

Overall, people carry very little cash. A May 2014 survey by Bankrate showed that more than two-thirds of adults carry less than $50 in cash at any given time. Nine percent of respondents reported carrying no cash at all.

Of course, there are benefits to using alternatives to cash. When cash is stolen, it’s gone. Using cash may be more time consuming in certain situations. Cash doesn’t earn cool perks like airline miles or a meager percentage rebate.

People are still using it, otherwise we wouldn’t keep printing it in newer, more colorful designs. In 2012, more than $358 billion (face value) of currency was printed, roughly 90% of which replaced damaged, out-of-circulation money.

So what are the benefits of using cash? Read more

How to Spot a Parody News Item

If you’re on Facebook or Twitter, it is highly probable that one of your friends has posted a story from a parody website thinking it was genuine. At they very least, you have probably seen some viral image or video purporting something that is absolutely incorrect. How do you sort the fact from fiction? It’s quite easy, if you’re intelligent and level-headed enough to take a few seconds before spreading nonsense. While the internet has made spreading BS very easy, it has also made researching potentially-BS items very easy. If you read something that is just too good to be true or has even the slightest hint of conspiracy to it, just google the keywords to see what comes up. If you’re fairly certain something is false, just google the keywords with the word “hoax” to find discussions of its inaccuracy. For example, I came across this gem on Facebook:10566651_10102275963877011_1147845978_n Ramen noodles are coated with cancer-causing wax? It would take a very stupid person to believe that something like that would go unnoticed by the FDA or unreported through any of the many reputable worldwide media outlets. Someone who shares this is so dumb that they think the governments of the world, the media, and the manufacturers of the aforementioned death noodles are involved in some massive conspiracy. That’s the only thing I can come up with, because if you take two seconds to google “ramen noodles cancer,” you’ll see that some of the top results are sites devoted to calling out nonsense. Read more

Vegetarians eat what they deserve

I have no problem with vegetarians. I really don’t. I equally have no problems with vegans, pescatarians, ovo-lacto-whatevers, or any other dietary choices. People choose vegetarian diets for many reasons including concern for animal welfare, living a healthier lifestyle, or concerns over food safety. Polls show that the 7-13% of Americans who identify themselves as vegetarians have followed that diet for 10 or more years. There are studies that show marginal extensions in lifespan and other health benefits from eating vegetarian, so why don’t more people do it?

I don’t like vegetables. That’s why I don’t do it. When I was young, my vegetable intake was limited to corn and potatoes, primarily. Now, I enjoy a leafy green salad, the occasional slice of onion on my hamburger, and green smoothies. I still cannot stand broccoli, cauliflower, cooked spinach, carrots, celery, beets, radishes, bell peppers (occasionally), tomatoes (I know they are a fruit), and peas. That is not an exhaustive list by any means. As an adult, I absolutely have more options at salad bars and buffets than when I was younger, but there are plenty of foods that I still avoid. THAT’S why I’m not a vegetarian. I’d be limiting my diet to a very narrow set of vegetables. My current schedule also makes it hard to plan and pack meals, so I eat out frequently. Have you ever looked for vegetarian options at fast food restaurants? I haven’t, but I hear it’s horrible. Read more

Separating pseudoscience from science

wizardIt’s so easy for people to “research” a new health technique or practice or dietary approach and find plenty of websites supporting it, but are these practices backed by science or do they just look and sound scientific?

Spoiler Alert: It’s almost always the latter.

A few symptoms of pseudoscientific hype from RationalWiki:

  • A simple idea that purports to be the one answer to many problems (often including diseases)
  • A “scientific-sounding” reason for how it works, but little to no actual science behind it; for example, quote mines of studies that if bent enough could be described in such a way to support it, outright misapplication of studies, or words that sound scientific but make no sense in the context they are used in
  • Prefers to use abundant testimonials over actual scientific research [emphasis added]

I’m not trying to imply that there are zero positive benefits to some of these practices. I just want to reinforce that many of these perceived benefits may very well be the result of the Placebo Effect, a real phenomenon in which people who are given a dud treatment experience measurable results. Medical studies and pharmaceutical trials administer placebo treatments to measure the difference between what the medicine can do and what the mind and body may do if they think they are receiving a legitimate treatment.

Not every health technique, treatment, or method undergoes the strict scrutiny of a regulatory body. For some things, it simply isn’t commercially viable; for others, there exists enough empirical data to preclude testing entirely. This process exists for a reason though: anecdotes don’t cut it. One thing many articles on pseudoscientific processes share is a reliance on and overabundance of anecdotal evidence. Read more

How the NFL Fleeces Taxpayers

mag-article-largeI really enjoyed this scathing review of the public finances supporting professional athletics in this country, particularly the NFL. It is available to read for free at The Atlantic.

Not being a fan of pro-athletics, many of these facts were news to me. I knew public subsidies were often used to build stadiums, but I did not know that the State of Louisiana outright bribes the Saints to stay in town. I knew many leagues were privately owned, but I did not know that the league itself was a non-profit entity. How was that ever allowed to happen?

Pro-football coaches talk about accountability and self-reliance, yet pro-football owners routinely binge on giveaways and handouts. A year after Hurricane Katrina hit New Orleans, the Saints resumed hosting NFL games: justifiably, a national feel-good story. The finances were another matter. Taxpayers have, in stages, provided about $1 billion to build and later renovate what is now known as the Mercedes-Benz Superdome. (All monetary figures in this article have been converted to 2013 dollars.) The Saints’ owner, Tom Benson, whose net worth Forbes estimates at $1.2 billion, keeps nearly all revenue from ticket sales, concessions, parking, and broadcast rights. Taxpayers even footed the bill for the addition of leather stadium seats with cup holders to cradle the drinks they are charged for at concession stands. And corporate welfare for the Saints doesn’t stop at stadium construction and renovation costs. Though Louisiana Governor Bobby Jindal claims to be an anti-spending conservative, each year the state of Louisiana forcibly extracts up to $6 million from its residents’ pockets and gives the cash to Benson as an “inducement payment”—the actual term used—to keep Benson from developing a wandering eye.

A Letter to the Editor re: Peavine Road

busybody-1I would like to voice strong opposition to the efforts to designate the Peavine Road section of TN-101 as a scenic parkway. The primary motivation behind this movement seems to be a desire to place restrictions on the amount and kinds of outdoor advertising allowed which will supposedly reduce distracted driving and protect property values. What such a designation would actually do is undermine important free market principles by barring private citizens from earning money on their own property.

Residents of Fairfield Glade have voluntarily chosen to live in a community that imposes strict covenants on property owners. Those living along Peavine Road have no similar restrictions on the use of their land, and in a tough economy, some have chosen to supplement their income by allowing advertising on their property. The agreements between property owners and those they choose to do business with should not be subject to subversion by outside parties.

One can be dissatisfied with the amount of outdoor advertising they see along Peavine Road, but an appropriate response to that is not to pursue measures that would restrict property owners’ rights without compensation. In fact, I maintain that drivers should be focusing on their immediate surroundings on the road instead of fixating on advertisements or otherwise taking in the natural scenic beauty that apparently exists just behind every billboard.

There are many locations in Cumberland County where one can enjoy nature and its beauty including the Cumberland Mountain State Park, the Catoosa Wildlife Management Area, as well as the views supplied by most roads that branch off of Peavine. The yards of private property owners need not be added to the list.

“For we hear that there are some which walk among you disorderly, working not at all, but are busybodies.” – 2 Thessalonians 3:11 KJV

Corey Shepherd

Credit Card Accountability, Responsibility and Disclosure (CARD [cute, huh?]) Act

I received a notice from Bank of America today in regards to changes to my account that will be going into effect in February of the coming year as a result of recent cutely-named and intentionally-backronymed legislation. I didn’t follow this piece of legislation as it went through Congress, but from the lay wording in this letter, I am disgusted by how our government is supporting the poor personal financial habits of American consumers.

Everybody would like some relief. Sure. It’d be great, but one shouldn’t depend on it.

Here are some of the tenets of the CARD Act as quoted from my letter from Bank of America that I am disgusted with. Read more

Combatting our Culture of Crass Conspicuous Consumption


I love looking through all of the direct mail that I receive. I have stand-alone DSL now instead of Charter Cable internet (which saves me about $20 per month on my internet bill.) So, direct mail does have the potential to reach an appropriate target audience. I recently received the above mailer advertising a credit card called Venue whose tagline is “Making luxury affordable.” Read more

Just Say NO to an Auto Industry Bailout

I just sent the following letter to Representative Mike Rogers, Senator Richard Shelby, and Senator Jeff Sessions.

It would be a sad day to see GM, Chrysler, and Ford go out of business, but I’m afraid I just can’t afford to prop them up. I have my own financial obligations to take care of before I go saving entire industries. Read more

Gov. Riley Single-Handedly Creates Fuel Shortage in Alabama

Governor Riley Declares State of Emergency, Price Gouging Law Goes Into Effect

For those too lazy to click the link and read the article, Alabama Governor Bob Riley delcared a state of emergency with regards to the potential for fuel shortages caused by Hurricane Ike. Thanks Gov. Riley. Thanks a lot.

Anytime a state of emergency is declared, a state “anti-price gouging” law goes into effect to “protect” consumers from “unconscionable pricing.” Not only do I think that “fuel shortage” does not constitute a state of emergency, but I think Gov. Riley greatly aided this shortage by declaring the state of emergency. Read more