Risk vs Reward – why are we so bad at it?

The recent cold conditions in Georgia have highlighted to me the terrible lack of discrimination folks seem to apply to what should obviously be considered a “high risk” situation.

The topic of “Risk vs Reward” has been relatively prominent in the news lately with the terrible judgment shown by our financial and other corporate institutions  in evaluating what risks should be deemed acceptable for what could only ever have been very tentative rewards down the line.

I have the luxury of working for a company that is commonsensical about inclement weather and they allow me the option of telecommuting should the weather make driving conditions too risky – BY MY OWN EVALUATION. I recognize that there are plenty of folks out there who do not work for such enlightened companies. But I also recognize that there are plenty of other folks who have a similar freedom to choose, be it telecommuting, sick days, comp time or some other alternative to actually risking their health and safety over their commute and yet they do not exercise that option.

Driving is a terribly risky activity relative to most other things we do on a daily basis. It requires focus, awareness, a sound vehicle and not a small amount of luck that others driving around you are similarly serious about the endeavor. But the benefits are generally so great that the risk / reward ratio is an acceptable one. Your livelihood often depends upon it, many leisure activities – shows, meeting with friends, kid’s play dates –  simply couldn’t happen without it. So we accept the risk. After all, what’s the point in living if you don’t enjoy it and that always comes with a risk / reward evaluation.

But we become so used to driving that we seem to mentally ascribe to the activity essentially a zero risk when evaluating additional circumstances. Never mind that you are already hurtling down the road in about a ton of metal, liquids, glass and composites at speeds that will pulp your body in under a second of inattention or misfortune. Now your are facing icy roads on top of that.

Yet the only consideration is that the roads may be “a little slippery”. But you’ve got front-wheel drive, or all-wheel drive. Our education system has failed miserably if people are unable to recognize that no tire on a vehicle that you are driving around town, without studs or chains, can gain ANY traction on ice. Snow, sure. Mud and dirt, you bet. But ice is non-tractionable and delivering even power to 4 wheels that are not gripping the road surface has only one result: No control.

In a situation like this past Friday, we do not have enough salt or sand trucks to effectively manage a “small amount of ice” (by Northern standards) in anything like the time required to allow for us to proceed as if it were a normal day.

If you’re lucky nobody ahead of you is slowing down. No kids or wildlife are crossing the street. There is no curve in the road.

I am flabbergasted by the folks who seem so focused on maintaining “life as normal” that they ignore valid common sense warnings and hurl themselves and sometimes their most precious valuables – their kids, their spouse, their parents – into the melee so that they can make it to a gym class or to do some shopping. Really, in a day or so all WILL be back to normal.

I take risk and reward very seriously. I fly light aircraft which carries with it about the same risk of driving a motorcycle (although probably safer than driving a motorcycle in Atlanta). I enjoy shooting handguns at my local range. I will, when I can get some folks together, go bungee jumping. These are all activities that have greater than normal risk associated with them, yet with the right mindset, training and equipment the risk is for me acceptable and worth it for the pleasure that I derive from these activities.

Folks need to ask themselves. You need to ask yourself – do I understand what I am risking here? Is the pleasure, service, promise kept worth this risk or do I need to do something else, to renegotiate that promise so that it is more reasonable (reschedule that play date,  have lunch with your friend tomorrow). If it is not, then please treat the one ton box of metal and the nearly tractionless roadway that you are traveling upon with the respect and attention that it deserves.

Air Fare Taxes – you think YOU have it bad?

My mother lives in Canada and recently purchased a plane ticket to fly from Toronto to Orlando, Florida.

Check out the price of the ticket and then how she gets positively hosed on the taxes and additional junk fees.

Airfare Price (Canadian Dollars): $119.00
Taxes and surcharges: $233.54
Total(Canadian Dollars): $352.54

By contrast, a single fare ticket from Atlanta, Georgia to Orlando costs this much.

1 adult:                      $178.00
Taxes & fees:               $28.39
_______________________________________________________________
Total:                         $206.39

1 adult:                      $178.00

Taxes & fees:                                                         $28.39

______________________________

_________________________________
Total:                               $206.39

I don’t know if the airlines build extra charges into the fees but those Canucks are getting screwed every which way from Sunday on them.

Have I mentioned lately how much I *love* living in America? If only we can solve the horror that is our medical system.

Insulating my house with Wilson Insulation Pt 2

Following up on my original post regarding Wilson Insulation, I spoke with Jack – the fellow responsible for the work crew – and he arranged to have them come out with instructions to “do whatever is needed to make the customer happy”.

That’s pretty damn impressive.

They came over on the scheduled day (last Tuesday – January 5) and spent a couple of hours addressing the lighting fixture (turns out an obsolete pipe left over from my hot water heater relocation was resting against the newly installed protector around one of my recessed lighting cans), installed the missing baffles that protect the soffit vents and evened out the blown insulation. The only omission was that the need for the attic hatch access dam was not communicated so they did not have it with them to install.

Yesterday – January 7 – I received a message from the installers, they were actually at my house to do that dam install (I was working in the office that day) so we had to reschedule. It’s too bad but I didn’t know they were coming.

Next Tuesday should see the installation of that final piece.

Based on the weather these past few days (especially today with the frozen roads!) I’m really happy to have that insulation up there.

Final chapter to be written shortly! 🙂

Insulating my house with Wilson Insulation

A few months ago I solicited some estimates to get my attic insulated. My house was built in the early ’70’s and I doubt if anything has ever been added to the original fiberglass that was up there when the place was built.

I chose Wilson Insulation because the Better Business Bureau offered an A+ rating for them and because the estimate they provided was in line with what I felt the job should cost given the options that I had decided upon.

My expectation was that the job involved placing caps over all of my recessed lighting fixtures (about 24 in total), that there would be baffles extended along the soffit edges of the roof, there would be dams around the attic access hatch and that the insulation in the attic would be brought to R49. Which, at an R-value of around 2.7 – 4 for blown fiberglass insulation should result in a total of about 12 – 18 inches total including the existing fiberglass.

The workers showed up a week ago last Tuesday (December 22) at around 9:30 or so to do the work and were finished a little before 1 pm. When they were done the access hatch had not been attended to. So they added some batts to the hatch cover and put some weatherstripping around it but told me that they did not have a dam that would be small enough for the hatch.

Dan (the rep from Wilson Insulation) came over later that day to inspect the hatch and the work generally and indicated that he was surprised that they did not have the dam but that he was waiting for a call back from their boss to figure out what could be done.

He also indicated that they were pretty skeletonized due to the season. I’m not a particularly impatient person so I allowed that this could be deferred until Monday (December 28) and we can finally sort it out.

Interestingly one of my recessed fixtures in the living room is now pushing out of the ceiling on one side by about an inch. I can’t push it back from inside the house so it will have to be addressed from within the attic.

I did popped up into the attic check to see if the baffles had been installed – and found that there were exactly none present. I also see that there appears to be between about 11 and 15 total inches of insulation up there. It’s kind of rolling so it’s hard to determine a good average. Does anybody know what a reasonable R-value is to use for blown fiberglass? The range above is a bit broad.

I spoke with Dan on Monday. He told me they’d be calling later to set up an appointment to come by and correct anything that was not done correctly.

When I hadn’t heard from Wilson Insulation by Wednesday, I gave them a call and spoke with Jack. He seemed congenial and we set up an appointment for Tuesday at 10 am. I’ll let you know how it goes.

What’s with the “Delivery Fee”?

All the pizza delivery companies are now charging a “delivery” fee. Pizza Hut charges $2.50 in my area. I typically give  a minimum $3.00 tip or 20% whichever is greater for delivery. But now I find myself trying to figure out how much the delivery guy makes. I asked a co-worker who is close to the industry and he *thinks* the driver gets the lion’s share of that but he really can’t be sure. I know I’d feel kind of chintzy giving only 50 cents on top of the bill so I end up giving a couple of bucks on top as I think the drivers have a hard job.

Does anybody know what the situation is? Is this just a cash grab by the pizza companies or is this how the drivers are being compensated these days?

I know I prefer to be in charge of the tip as that guarantees that poor service can be tipped poorly. Maybe too many people tip poorly?

Given up on Pizza Hut

We have 3 major pizza players around here. I prefer to use the internet to order my pizza because it seems to eliminate a LOT of confusion.

Basically I use one pizza provider until they tick me off and then I move to another one.  A while ago, probably a few years now I switched away from Pizza Hut because they seemed to have forgotten how to actually cook the pizza, the dough would be all gooey and, while modestly edible it really wasn’t a treat. The second time it happened I called and had them replace the pizza and the replacement was the same, undercooked. So I switched away.

Anyway, the time came to try Pizza Hut again – I really like their pan pizza when it’s, you know, cooked.  On Monday I sent in an order and they indicated it should take about an hour to arrive. I’m still surprised that the 30 minutes timeline they all used to strive for has gone by the wayside but no matter, an hour I would wait.

After about 90+ minutes I gave the store a call and they didn’t know where the pizza was as it had left over 20 minutes ago. The guy on the phone apologized for the inconvenience but didn’t have much to add to the conversation.  I told him to just cancel the pizza and we’d figure out something else for dinner.

Another 20 minutes later, the pizza guy shows up and I told him to forget it. He was unaware of my calling the store to cancel.

I should note that my house is *maybe* 10 minutes from  the pizza hut location from which the pizzas need to be delivered.

So I’ve just removed Pizza Hut from my list of pizza providers and I won’t be using them any more. Am I being unreasonable?

Hypocrisy – So much for divine intervention

This article about a priest telling his parishioners  that it’s OK to shoplift seems to have absolutely given up on the idea that “God will provide”.  I suppose it would be pretty sweet to get the OK to go ahead and get your Christmas shoplifting done guilt free. Of course, I suppose the police will see the matter somewhat differently. But folks trusting (?), naïve (?) or just plain desperate enough to be in a church in the first place are going to take this fellow seriously. This time the silliness can have direct consequences.

Any chance that his church can underwrite the costs for basic supplies for his parishioners? He doesn’t appear to be starving. What about a food drive? i.e. take his position of responsibility seriously and do something about helping his “flock” instead of inciting them to commit crimes that will surely haunt them for the rest of their lives?

Oh, and referring back to this article. Here’s some of the harm… justifying bad things in the name of.. well… you know (check out the dark ages if you’re unsure).

Should Charity be a personal choice? Christmas Charity gifts

While I was reading this article titled “A curse on these smug types who buy you a goat in Africa for Christmas” by Virginia Ironside, I at first was a bit put off by her apparent ingratitude for the efforts made on her behalf by well meaning friends.

But I have to say that her points are well taken. Like her, I do not *need* a lot. I’m well established, already have a toaster and most everything else I could want for my day to day living. Why shouldn’t the money go to charity? The key here is the desire of the gift “recipient”.

A couple of years ago one of my relatives did the “Charity in lieu of gift” thing and it was, indeed, somewhat disappointing for me. A big part of that was the fact was that it was for a charity to which I would never have contributed myself. My inclinations are to support my local community first and foremost.

In the comments section of Virginia’s article I note folks (some with not a small amount of vitriol) took the position that it was “charity” so how could she poo-poo it? It’s like reading the position of an antagonist in an Ayn Rand novel.

One thing that seems to be lost in the mix is that, once given, the gift is the recipient’s to do with as they see fit. If it is most satisfying for them to give the item to a charity then why is this an issue. In fact, should the recipient return the gift and send the money to the charity of their choice wouldn’t that be OK?

The hypocrisy and selfishness of the commenters quickly becomes apparent as they take umbrage with the choices of the recipient. As if the recipient of a gift should even matter in the whole affair.

Bose CineMate Digital Home Theater Speaker System

I was in Sams Club a couple of weeks ago and saw this home theater system was on sale so I noted it down and came home to check it out. While reading about it on Amazon I saw that it was pretty highly rated and nearly $100 less expensive. So I went ahead and ordered one.

I already have a Samsung LN52A650 TV through which I want to view my Samsung BD-P2500 1080p Blu-ray Disc Player, my DirecTV HR-23 DVR my legacy DirecTV TIVO player and my ancient VHS tape player (yeah, still have some stuff that I haven’t replaced on VHS tape).

When I first purchased my TV I had also picked up a Sony HTCT100 Sound Bar with which I was  unimpressed. But, on its own, the Samsung TV sound turned out to be less satisfactory than I had originally thought. There have been times I even needed to resort to turning on subtitles for ENGLISH movies because the vocal output was simply unable to overcome the other sounds and effects being offered.

Also, complexity is a big deal. Where the Sony soundbar had me hooking up all of my media sources to it and then using IT to control what played through the TV set, the Bose CineMate takes the results of whatever I elect to pump through the TV and then enhances the output.  So I don’t have to worry about compatibility with the sound system (HDMI in or whatever), nor do I have to tweak the home theater system for particular inputs.

The improvement in sound quality is absolute and immediate. There are no adjustments to make, it’s either going to work or it isn’t. In my case it worked magnificently. I used the remake of “The Day the Earth Stood Still” for my testing and I am astonished how well the Bose system enhanced and separated out the sounds. The bass is deep and booming and the voices are crystal clear.

Also, any specialized mating (the Samsung TV and Blu-Ray player talk with each other and negotiate the video input settings) are retained because the Blu-Ray still gets to talk directly to the TV.

The widely touted universal remote control is both the icing on the cake and the one item I will ding Bose for on this offering. First, the remote is of a reasonable size, very clear how to operate and well thought out. My wife finally has a clear view of what she’s supposed to press in order to get the Satellite receiver, TV and sound all functioning so she can watch her shows.

The universal controls all of my devices with one, very weird, exception: The pause button doesn’t work for the Samsung BD-P2500 1080p Blu-ray Disc Player. There is only one code available to program Samsung Blu-Ray players into the remote, so it’s not like I got it wrong. Contacting Bose’s customer support yielded the lame response:

*****To reply to this message, please select the reply button. To help us expedite your inquiry, please be sure to include our original response.******

Mr Bourassa,

The remote does not control all functions of all systems. A universal learning remote such as the Phillips Pronto would be able to learn all functions of any component, but these remotes are significantly more expensive.

Thank you for contacting Bose Corporation.
Richard Card
Product and Technical Support Team
————————————————-
Bose Corporation
US Telephone: (800)367-4008
International Tel: (508)766-1900
Email: http://www.bose.com/ContactUs
Fax: (508)766-1919
Telephone Hours: Mon-Fri 8:30AM-9:00PM, Sat 9:00AM-5:00PM (EST)
————————————————-
[massive footer pushing 3.2.1 system removed]——————————
Technical Support Information:

[Email Id:blah]
[Email Agent Id:blah]
[Queue Id:blah]

—–Original Message—–

Thank you for your response.

Do you know if this flaw has been corrected in the universal remotes offered
with the later Cinemate systems.

I can understand some of the more specialized features not being represented
in a universal remote, but “Pause” is a pretty basic DVD function to be
lacking.

Thanks,

Marc

On Sat, Oct 3, 2009 at 4:29 PM, <support@bose.com> wrote:

> *****To reply to this message, please select the reply button. To help us
> expedite your inquiry, please be sure to include our original
> response.******
>
> Mr Bourassa,
>
> Thank you for your inquiry. The remote code 21099 is the correct code for
> te Sausung BD-P2500.  We are aware that this does not allow control of all
> remote functions, but there is no alternative code or workaround (other than
> to use the remote that came with the Samsung). Sorry we could not assist you
> with this.
>
> Thank you for contacting Bose Corporation.
> Richard Card
> Product and Technical Support Team
> ——————————

——————-
> Bose Corporation
> US Telephone: (800)367-4008
> International Tel: (508)766-1900
> Email: http://www.bose.com/ContactUs
> Fax: (508)766-1919
> Telephone Hours: Mon-Fri 8:30AM-9:00PM, Sat 9:00AM-5:00PM (EST)
> ————————————————-
[massive footer pushing 3.2.1 system removed]
> ——————————
> Technical Support Information:
> [Email Id:blah]
> [Email Agent Id:blah]
> [Queue Id:blah]
>
>
>
> —–Original Message—–
>
> Request Type: Setup and System Install
>
>
> Request Message: I have a Samsung Blu-Ray DVD player (model BD-P2500) for
> which the only code available (20199) for the Cinemate remote control does
> not allow pause to work.
>
> My TV and DirecTV Satellite/DVR player work properly(pause works for the
> DVR just fine). So I am confident that it is not a hardware problem with the
> pause button. Do you have an alternate code suggestion or a workaround that
> can be used so the Universal remote can fully control my system?
>
> Thanks,
>
> Marc

Apparently it was unclear to the rep that there are only 5 things that most of us want our DVD remote controls to do: Play, Stop, Fast Forward, Rewind and Pause. Anybody who watches TV with a spouse or kid knows that pause is essential.

This wasn’t a deal breaker for *me* but I wanted to mention it in case it was for others.

Some of the other Amazon.com reviews for this device whined about it being inferior because it does not accept digital input. But I think, for the average Joe who just wants really nice sound for a reasonable price AND an uncomplicated setup, this is definitely the system to get. It is absolutely simple to set up, there are NO adjustments or tweaks that are even possible to make and the sound is wonderful.

Nobel Peace Prize for President Obama?

http://nobelprize.org/nobel_prizes/peace/laureates/2009/press.html

I think that this is premature. Some of the science awards take decades and are awarded only after the discovery or application has shown its value. I should think a peace prize should be awarded once the results of the efforts have been vindicated.

To do otherwise rather dilutes the reputation and meaning of the award?