Citizen Bill of Cyber Bill of Rights

Created in December of 2011 as I reflected on the emergence of the Cyber Risk

My identity is mine electronic or otherwise

I will be prudent in its use

I understand if I enter into an agreement that you can prove it was me
Then I am responsible

I will carry with me an object that can be kept safe from intrusion and can easily be remotely destroyed

You, those entities human and other that I enter into a relationship with
Can offer me anything I am willing to opt-in to

Using a defined set of cryptographic relationships
I agree that a digital contract can be signed and agreed and has the full force of the law behind it

You will recognize that I am your human equal and will,
Save for acts of God and Nature,

Endeavor to provide quality and service

 

Remove Volatility

Today I was confronted with volatility. In a two week period gas prices had gone from 2.395 to 26795, quite a climb of less than 14 days.

Volatility, this is what we must remove from peoples lives. Stability and comfort are what is important. Having gameful activity to allows us to contribute to the whole. Being idle is unproductive and only benefits the traders who prey on short term activity to enjoy profits from volatility.

Our President must accept that the Wall Street lobby must be squelched for a while as volatility is banded from the marketplace. This will take an acceptance on the part of the wealthy that they cannot take it beyond the grave and before that excessive income is not acceptable to the healthy grow of civilization.

Set a maximum salary of say 2 million.

Foreign exchange markets are another area of concern. Volatility based on war and famine must the mitigated out of the civilization.

Our civilization is global and provisional limitations such as food subsidies need to be removed.

Remember they are simply subsidies paid by the tax payer. Government should be limited to a percent of the population; remembering its role is to only assure the the primitive functions of justice, liberty, freedom and security.

Regulation is something that must be removed and a new form of peer review established with responsibility to maintain quality, service, stewardship for the planet, and a judicious use of nature resources. Free enterprise is encouraged by remembering that it is the relationship between the customer and proffer that ultimately decides success.

An interesting story as we think about health care

I met a man with a deep understanding of the Red Words, who told me a little of his life and how he spent $180,000 resolving medical issues associated with a stoke.  Little was done, given the amount spent and the available technology and medical sciences.

Today, he believes, based on sound medical opinion, that exercise, surgery or medication could eliminate the de-habilitating impact on his sight, mobility and hearing.

After spending his life, saving, my friend lives comfortably in a 250 square foot home with nothing but the bible and his spirit.

Where is the VA for a VIET NAM vet; there were provisions made under Nixon for long-term medical care?

What should a more balanced system do to afford my friend a comfortable retirement?

today on CNN – What about this idea

http://newsroom.blogs.cnn.com/2009/10/05/unemployment-what%e2%80%99s-to-blame/

Unemployment: What’s to Blame?

Posted: 08:44 AM ET

Former Federal Reserve Chairman Alan Greenspan predicts U.S. unemployment could hit 10%.  Currently the nation’s unemployment rate is at 9.8%.

So, what do you think is most responsible from the worsening employment picture: a failed stimulus package, an economy much worse than we knew, employers cutting deeper and hiring more slowly than expected, or something else all together.

Leave us a comment. We’ll share some of them on air in the CNN Newsroom, 11am ET — 1pm ET

 

So there we are.  A picture and a set of points on why we are where we are with unemployment.  Now what about this idea.

First, there is an issue of Greed.  A small percentage of the global population has accumulated a massive amount of wealth.  I am not here to judge the right or wrong of how they or their ancestors acquired the wealth.  I am here to suggest looking forward. 

  1. 100 million dollars a year as a salary to hedge the price of gasoline and contribute to raising the profits and consumer costs associated with oil.
  2. $17.2 million to successful sell Visa inc, to the market, earning bankers a significant return.
  3. Numerous excesses that programs like Nip/Tuck mimic for Wall Street millionaires.
  4. A stock market that has a curve that simply should not have been allowed.  Long term prudent economic management is essential.

 Ponder this.  If equities is suppose to represent the inherent stability of the corporations that employ our neighbors; what happened starting in 2000 and culminating in the bear Stearns collapse in 2007.  Is Wall Street unravelling the growth that began in 1982 and went into a hyperactive phase in 1995, and simply correcting itself. 

What next should represent a step change in how we think about governance, compensation, risk, responsibility and morality.

 What I think a lot of us forget is that our society evolved over millennium and here we are thinking we are so important.  What is important, is being faithful to a common morality, and making sure that we leave something better for our children. 

I agree with the Dali Lama, all we want is peace and happiness.

So what next?

  1. Cap salaries for the rich at 2 million per year.
  2. Institute a managed health system that still uses the concept of insurance and hedging risk to fund our healthcare system.  
  3. Introduce a health management system, with a basement for those that cannot afford even the most basic plan.
  4. Re-introduce exercise in the school system and subsidize community gyms and recreational facilities.
  5. Re-introduce the luxury tax for non essentials over $30,000 and on things that are not good for you or are excessive.  Say anything not associated with your food,  transportation and housing.
  6. Focus on better educating the family practitioners, gynecologists, internist and pediatricians so that they do a much better triage and assessment of appropriate care given available resources with fear of reprisal for taking risks.  If necessary, require an additional year of service at a teaching hospital earning a reasonable income say $120,000.
  7. Do a lot of what Congress is already talking about
    1. Strengthen the VA hospital and medical care system
    2. Do not mess with Medicare or Medicaid, until the new system is in place.  Let the people move to the free market approach.
    3. Do not create a Government run insurance system.  Yes to creating a open market, knock down state borders and promote re-introduction of the original Blue Cross Blue Shield concept of a co-operative not for profit solution
  8. Focus on regulating the quality of care with a no one left behind principle.
  9. Keep the insurance companies out of setting fees.  Manage thje cost of the healthcare system by focusing on competition.  The patient is the client and is to be saught after without offensive advertising.
  10. Mandate a National Id card keying off the social insurance number.  Combine it on the Drivers license, as a day one requirement.
  11. Focus as a corporate priority on employment being the key indicator of success.  Begin discussions on Right to Work legislation and stimulating more humane approach to managing down costs in a period of economic recession.  Reduce executive wages well before the first person can be let go, without cause.
  12. Merge all the work in the fields of governance, risk and regulation into a replacement bill.
  13. I could go on.

From Nothing Something

In an apologetics I was asked to question the idea that something came from nothing.

This is what I have to believe if I am going to listen to the Atheists and ACLU.

Then I thought about Creation and Intelligent Design. Oh how much simpler it is to believe than these Macro Environmental facts that cannot be backed up with data explains it all. There is much to accept if you are going to believe out of the Big Bang and Chaos; time would produce a single cell. Then from that single cell produce the abundance of life forms that have and do exist.

255 proteins must magically appear in one place at the exact right time,

Before we can start thinking about things like DNA

False Prophets and False Profits

Last night, 11 September 2009, I watched hours of material on 9/11. 

 

I saw the planes as the flaming arrow of the False Prophet. 

 

I saw the two towers as the symbol of the moral decay of the False Profit. 

 

Both clashed in a period of 102 minutes we will long remember.

 

The terrorist is acknowledged and the false prophet stands accused. 

 

Yet the False Profit continues to bring harm to many and shame to those of us who seek to know God and the work Jesus’ expects of us.

 

When will the False Prophet “Profit” finally be recognized as the work of the devil?

Pondering Mother and Daughters

 “Honor your father and mother. Then you will live a long time in the land the LORD your God is giving you.  [Exodus 20:12].

Thursday, I was in the unfortunate position to hear read the email to David.  I was taken aback and wanted to defend myself.  Then, the next morning, as per their Mother’s instruction, David forwarded said email to my address. 

It is with a sad heart to email you on Mother’s Day to let you know that we are starting down a very scary similar path with Mom….I know that i do not have POA and that I signed papers saying I can never take her to court again so I know that I do not have much power nor do I believe I am up for it again. 
The reason I am emailing you is to give a heads up to watch her accounts…I know she has the conservator, Arthur, and I am hoping we can keep him in place so that she does not spend all her money or give it away.

I asked her to go to her counselor here in Atlanta and she said she has an apt as well as with the weird one down on SSI , Dr Devazio (?).

She has started dating a creep – Gae and Dr Andreae’s (the people who live on Sea Island and said she was just eccentric and not bipolar) son named Philip.  He is an unemployed international business man that lives in a Fleetwood on Lake Allatoona…not sure of much more and do not really want to know more, but I have an uneasy feeling and my gut says not such a good guy – plus he must know her finances from his parents or at least her history a little…mom does not need to fund him – I realize it is her money and am happy for her to spend it but when it is gone, I am not taking responsibility – I sound harsh but I am talking from my heart.

Not meaning to unload but want you to put whatever legal parameters in that you can and to be prepared for the drama…..

Once again, I wanted to take action!

Throughout the day the following words kept creeping to the front of my head:

“She has started dating a creep – Gae and Dr Andreae’s (the people who live on Sea Island and said she was just eccentric and not bipolar) son named Philip.”

“… I have an uneasy feeling and my gut says not such a good guy – plus he must know her finances from his parents or at least her history a little…mom does not need to fund him …”

Each time these words come into my mind my first reaction is spring to attack.  Clearly the author has no idea who their Mother is.  They do not have enough trust or respect to believe she knows what she is doing. 

Furthermore my father is a very successful Doctor.  The author is unaware that he is renowned for his diagnostic abilities.  If he as a physician believes someone is eccentric and not bipolar, then, why would a lay person consider impugning the integrity of his assessment?

Through all of this, two teaching brought me back down to earth:

“Suppose someone hits you on your right cheek. Turn your other cheek to him also.”

“How can you say to your friend, ‘Let me take the bit of sawdust out of your eye’? How can you say this while there is a piece of wood in your own eye?”

Finally, one last teaching reminded me that I am not in a position to offer advice, I must remember to be humble, accept life as it comes and always remember these words:

“… You pretender! First take the piece of wood out of your own eye. Then you will be able to see clearly to take the bit of sawdust out of your friend’s eye.”

The only statement I will make on my own behalf is that I will support myself.  I will care for those I love and I will always be faithful and true.

 

THIS IS TO BE DELETED WHEN YOUR MOTHER ASKS ME TO. 

Good, Bad or indifferent. The Good has it.

Voices Reflect Rising Sense of Racial Optimism

Kristen Luce for The New York Times

Shel Harris of Brooklyn said the election changed his attitude.

By SUSAN SAULNY Published: May 2, 2009 the New York Times
Optimism.  What a powerful word, emotion and focus to help us rise from the ashes.  This morning as I scan the New York Times I am encouraged.  Tears come to my eyes and the possibility that President Obama may be good for this country appears like a Phoenix on the horizon.
The idea that simply because We the People took that unimaginable step and elected a Black man at this time in history, says to me that  people are demonstrating, with real actions, that we are all equal, is simply fantastic.
Yet, hidden under the surface is the risk that hatred and the white underclass, those that call them supremacists and style themselves on the belief that we are better than you, are still out there.  Words that ring of the worst days of Hitlers reign ferment.

Geithner – Architect of the House of Cards?

http://www.nytimes.com/2009/04/27/business/27geithner.html?8au=&emc=au&pagewanted=all

Geithner, Member and Overseer of Finance Club

By JO BECKER and GRETCHEN MORGENSON Published: April 26, 2009  New York Times

I am reading William D. Cohan’s book “House of Cards” and then I read this extremely long article on the Secretary of the Treasury and his culpability!!!! 🙁

As discussed in an earlier post our President says and I quote

“We cannot go back to an economy that is built on a pile of sand — on inflated home prices and maxed-out credit cards, on over leveraged banks and outdated regulations that allowed the recklessness of a few to threaten the prosperity of us all,”

One of the key-members of the executive branch of our Government was sitting in the fortress down on Wall Street, deep into discussions with everyone that mattered and is responsible for the abyss, crisis, depression that has taken the world into uncharted waters.

How can our President, that does not want to “go back to an economy built on a pile of sand,  hire, support and continue to seek advice from Mr Geithner.  this man was there there, saw the crisis brewing and helped to make it worse.  Now we expect the leopard to change his spots and fix it.  He had his chance when he was president of the NYC Federal Reserve.  If the book I’m reading and this article are accurate he has had his chance and failed.

Please Mr. Obama find someone who is risk adverse, intelligent and not part of the club.

Do as you say

Today in a New York Times Article reviewing President Obama’s press conference, held Wednesday April 30th 2009, he is quoted to have said:

“We cannot go back to an economy that is built on a pile of sand — on inflated home prices and maxed-out credit cards, on over leveraged banks and outdated regulations that allowed the recklessness of a few to threaten the prosperity of us all,”

Reading these words all I can say is YES.  Yet, I remain troubled.  We’ve all read about the various programs our government is implementing to “fix” our economy.  Too often these programs are simply a mechanism to take money from Honest Tax Payers and distribute it to those that over-leveraged themselves and where reckless.  President Obama that is not what those word would suggest your policy is.

We seem to think that whatever we do the Government will bail us out.

  • Build on the Mississippi flood plane and when the river does what it has always done help those who built where the water has always been supreme.
  • Live on the cliffs in California.  When the rain comes, and it will, the land will be washed out from under the foundation. Washington will come to the rescue.
  • Build on a fault line and when the earth shakes don’t worry too much papa will rescue you.
  • Run up your credit card debt, buy a home you can”t afford and daddy will punish the lender and protect the reckless.
  • Leverage yourself as Bear Stearns did and we will make it all better

Nature is and has been since God set the universe in motion.  Moses in his dialogue with God learned of the beginning and in Genesis he recorded those first days of Adam’s life and how easy it would have been to follow the rules. 

 The LORD God put the man in the Garden of Eden. He put him there to work its ground and to take care of it.

 The LORD God gave the man a command. He said, “You can eat the fruit of any tree that is in the garden. But you must not eat the fruit of the tree of the knowledge of good and evil. If you do, you can be sure that you will die.”

He gave us the chance to live in paradise for eternity.  He gave us plenty.  All he asked is that we work the ground, take care of it and not eat of the fruit of the Tree of Knowledge of …

I do not mean to look at original sin nor do I want to talk about how the serpent beguiled woman and man simply ate with her.

What I am concerned with is that Obama is saying all the right things.  Yet, when we look to the results we see money flowing into the pockets of those that took us into the abysm.  We tell credit card companies that they should reduce interest charges and not protect themselves.  We simply seem to be protecting those that are reckless.

So President Obama, please do as you say,

  • Don’t bail out the banks and investment company, then let them skirt the rules.
  • Don’t fix it so people with maxed out Credit Cards can get themselves back in trouble.
  • Don’t help people and mortgage lenders who agreed to mortgages that could not be sustained by the home-owner.

This idea that some companies are just to big to let fail sounds smart.  Yet, unless they are also made to appreciate their failings we will simply see it happen all over again. 

They personally must feel the pain not simply do as Merrill, AIG and all the CEOs want to and do  do, get a government hand out and still get the big bonus.  They need to be held accountable and made to put their money where their mistakes are.

It is one thing to allow them protection under the law it is another to marry them

http://www.nytimes.com/2009/04/28/us/28marriage.html?th&emc=th

A Quiet Day in Iowa as Same-Sex Couples Line Up to Marry

New york Times 28 July 2009

It is one thing to offer same sex couples rights and protections under the law, call it common-law.  It is another thing to allow them to Marry; which is a religiuously rooted event that should adhere to the laws God so long ago defined and have worked so well for so many years.

Same Sex couples are people and we should love them as we love our nieghbor, YET!

Is the UAW focusing on helping or simply being greedy

http://www.nytimes.com/2009/04/28/business/28auto.html?th&emc=th

G.M.’s Latest Plan Envisions a Much Smaller Automaker

By BILL VLASIC and NICK BUNKLEY Published: April 27, 2009 New York Times

Over the last months countless articles and news commentaries have discussed the plight of the US auto makers.  Bankruptcy, restructuring and foreign buyouts are all on the table as the US Government pushes Chrysler and General Motors to fix itself or get fixed.

One item that keeps appearing and as I think back over the last years, starting when Asian auto makers built factories here in America, I am constantly amazed to see that the UAW is not part of the solution.  I appreciate that their role is to protect the interests of their members.  Yet they simply  focus on protecting the lavish pensions (developed when Detroit was ever so profitable) that these individuals are “entitled” to.

I have a profound respect for much of the work the union movement has done to protect the American worker and to assure them that they are paid a fair wage, work in reasonably safe conditions and various other initiatives that escape my mind.

What disturbs me these days is that we complain about Outsourcing and the migration of jobs to India, Malaysia, in years past Ireland and countless other countries willing to work for less than the American worker and do those jobs that are “Beneath Us”.  Why we have the human resources, just look at the current rate of unemployment.  When it is zero then OK let’s outsource.

As the spokesperson for American workers and hoping they are aware that we cannot practice isolationist policies and impose tariffs and taxes to protect American jobs.  I worry that they are not out there working with business and the government to protect those jobs or better yet grow the n umber of jobs while still exploiting the virtues of technology and the goal to reduce the end cost to the consumer, their members.

Instead they slow down progress.  They do not take the lead in driving for quality and do not help to make sure what we build or do with American hands and minds is the best that can be made or provided anywhere.

In the article, what I am once again reminded of is the fact that they insist that the “Pensions” be protected 9screw the stockholders and debit holders.  i do not see them thinking about the fact that the future of our children is at risk.  Jobs will continue to go to where it is less expensive to produce and where equally skilled people demonstrate a willingness to work to put food on their tables.

The unions are one of the great strengths of America.  At this time of economic turmoil, where greed is at the core of our housing crisis, the introduction of high risk derivatives and a truly expensive health care system.  They should be leading the workforce to understand that the American dream never was intended to guarantee anyone everything and that the American dream was built on hard-work, prudent investment and quality.

If we can return to these roots and focus on quality, hard-work and assuring the future of America for our children, then we will see an upturn in the market and a return to full employment where immigrants are seen as a positive influence and not illegals stealing American jobs.

At the same time Management is equally responsible for our plight.  Sub-prime mortgages, derivatives, short sighted corporate planning and yes greed leads them also to be UN-American.  They are to focused on the next analyst briefing and their quarterly results and make sure they could sell more for less.  So they purchase materials produced by non Americans.   They do not insist on an equitable balance between pay, quality and work.  Then to make matters worse they insist that they are paid millions of dollars, the Government then bail them out when they make stupid decisions; for what?

We are all in this together and although we know that communism and socialism does not work.  Capitalism only works when we do right by everyone and devise a fair distribution of wealth: based on ability, hard work and ingenuity.

In God We Trust

More Atheists Shout It From the Rooftops

By LAURIE GOODSTEIN Published: April 26, 2009 New York Times

Not often am I driven to comment on other people opinions, especially when it has to do with Religion.  Yes, I am happy to discuss my own beliefs and to shoot from the Rooftops – there is a creator and God did come down to earth in the form of a man to lead us into the light.

 

When the New York Times has such a headline I cannot resist wondering what these people believe and how they can be so sure that they are right and there is no God. 

 

Once I was an agnostic.  I was willing to wonder if he existed.  Bottom line I was not willing to totally deny his existence. 

 

In my quest to understand, I took the time to read the bible, read various authors discussions looking at the question from both sides of the table and eventually came to realize no matter how deep we go in exploring our Universe and how knowledgeable we become about the subatomic particles and the structure of DNA, we always seem to find that there is still more to learn and that we come to a point where when we turn the next page in our scientific exploration, there are still mysteries out there that with all of our science we cannot explain.

 

Chaos, so many believe that out of disorder will come order; well, when I look to the microcosm and I look out to the universe what astounds me is the beauty, the majesty and the order of it all.  Only an artist could create the Star Nebula, only a composer could compose the symphony of sounds we hear deep in the words at night, only a master craftsman could form such a beautiful universe and build our planet.

 

What concerns me even more is that without what God taught us through Moses, who first wrote down the ten commandments; and then when  Jesus  condensed these down to two very simple one – love god and love your neighbor then what?.  If we do not believe in God then we are also saying we do not accept that we all must live to a common set of moral standards.  Anarchy would rein and the evil would overpower those that have the sense to figure out what God  is said to have taught us.

 

Darwin wrote of evolution.  Yet he did not say that all things emerged from the ooze.  He simply postulated that species could evolve.  With evolution as an understood reality I looked to the first chapter of Genesis and came to accept three things.  First the day that is written is not our day.  How could it be, the earth did not have day and night until the fourth day?  The day that is described in Genesis is not our daysbut God’s day. 

In a previous post I spoke to these seven days described in Genesis and found that even evolution is of Gods making.  Only someone with his power could set in motion the mechanisms that would allow a bird to evolve and embrace its environment.

 

Finally, I accept and want everyone to have a voice.  What I would also hope is that their voice is what it is.  That it is the voice of a minority.  Let them speal and be heard, let the majority ultimately decide.  let us all remember that we are taught to love our neighbor therefore we must and will love everyone and help them to live with their beliefs in peace as long as they respect the peace.

 

All I suggest is that the Athiest study history, that they truly understand and listen to the greatest of scientists and are open to change.  Stephen Hawkins, probably one of the greatest thinkers of our time recognized that even though he identified that “This Universe” emerged from the “Big Bang” he knew that without a creator, someone to have caused the light. that explosion of matter and energy, could not have been and without someone to establish the constants and help the dust to form planets.  Without his intervention there would still be an expanding universe of dust. energy and nothingness.

 

When the Atheist can finally explain everything then and only then will they are able to say there is not God.  Until then as long as we cannot move from that which Newton found, to those principles that Einstein understood, to the new learns that our great scientists reveal then there is only one plausible answer.  Our universe, the cosmos and all that we known, don’t know and will never understand are God’s work.

Our Financial Market must embrace the spirit of Social responsibility and avoid the power of the Dark Side

Geithner, as Member and Overseer, Forged Ties to Finance Club

 By

Did Timothy Geithner help or assist in bringing Wall Street and the world at large to the brink of disaster?  A brilliant man yet was the force of the Wall Street lobby able to easily sway the path of the New York Federal Reserve to allow risk that lead to the collapse.  

Morals and a solid foundation of right, wrong and mutual satisfaction must return to the market if it is to be the leader of the world.  Has the financial market been seduced by the dark side and falls fowl of the seven deadly sins (Greed, Pride, Sloth, Gluttony, Lust, Wrath and Envy)?  They in the end should be the machine that assures liquidity and assures the foundation of our economies ability to grow and prosper.   Losing their way and focusing on their personal wants and not the needs of everyone is a disaster worth of the fallen one.

I am happy to see Wall Street and the City of London prosper as long as they remember Jesus’ two commandments and embrace them as part of the principles and goals that drive their actions.

Our Medical System should be run by doctors not corporations

Shortage of Doctors Proves Obstacle to Obama Goals

By ROBERT PEAR 27 April 2007 the New York Times

One proposal — to increase Medicare payments to general practitioners, at the expense of high-paid specialists — has touched off a lobbying fight.

I wonder if Congress should instead focus on improving the income of doctors, reduce the fear of Mal-practive and insisting on deepening their education.  So that people will once again see it as a worthy profession and thus there will be enough doctors to serve our growing population, not simply here, but all over the world.

 As the Grandson, son and brother of doctors, I am driven to suggest to our Congress and the people that we must consider the investment someone must make to becoming a care practitioner and realize that we must encourage people to want to dedicate the time it takes to become proficient.  These dedicated individuals, unlike CEO’s and Wall Street millionaire, must excel in their studies and invest  four years at university, four years at  medical school and then finally before having the skills to serve us, invest an additional three to six years as a journey man (i.e. their their internship and residency).  Hundreds of thousand of dollars later and so much time and study does desire a fair reward. 

I also believe that we should begin to think about training our internist better, so they can be more effective and not simply pass the patient on to a specialist.  they as the gatekeep should have the education and practical training so unlike today thare are able to properly diagnosis the problem we the sick are facing. 

Simply look at the TV series House.  his dedication and effectiveness of his team is what we need.  People who truly think and only turn to specialists when they fibnally accept that the specialists skills are required.  Just to put a value to House.  my father a retired Park Avenue and renowned diagnostician finds this one medical program stimulates his thinking.

The other key issue that Obama and Congress must address is that medicine should be a cottage industry.  Instead corporations and insurance companies now run our health care system, Hillary Clinton’s efforts, although altruistic, probably drove corporations to seek profits at the expense of the real care-takers and unltimately you and I.  These new “medical?” tycoons are more worried about shareholder returns and annual bonuses than the health of the people who should be their focus and are in their care.

Is it a national health system that we need simply to “FIX” the problem.  Or is it a return to a system run by doctors who are properly trained and rewarded. We should think first of investing our taxes on helping the gatekeepers (family practitioners, gynecologist and internists) to be the front line, capable of dealing with most medical issues.  We should encourage their selfless commitment and  drive for education and practical training so they can effectively serve, thus drive down costs by being better at what they do.

Finally thought.  Risk is endemic in any system.  Lawyers drive risk out of the system by pursuing law suits because someone took at risk or was just like the rest of us a made an error.  The net result,t doctors have become overly cautious, dependent on too many tests and unwilling to say this is what I think is wrong and if we don’t do something (however risky) now MY patient will die.

Letter to President Obama

Sir my thoughts for your consideration,

I envision a country that is a global leader, that inspires strong work ethics.  I wish to live in a country that does not dole out money to those that claim need only those that are in need. 

Morality

Our constitution, the oath of office and our money all reminds us that we trust in God.  So therefore we must respect his laws and embrace the standards he has set for us.  I agree in a separation of Church (the organization) and State (the government).  What I do not agree is that this statement leads us to a secular state that does not respect moralities long established and given as commandments by God.

Healthcare

I believe in improving our health care system so that it is affordable and not a place for profiteering.  I am amazed at how expensive our health care system is and wonder why countries like Belgium, Canada, United Kingdom and Switzerland have equal care (not always timely for elective surgery) at a much low price per capita.  I see insurance companies and big business profiting from a health care systems that should be about cost plus services and not revenue and enormous profits.  I believe that the doctors should be responsible to administer the system while at the same time held accountable for the costs of the system.

Defense

I believe in a strong defense and think that we should have a civilian militia, but not guns in the hands of anyone who wants to go out and buy machines of mass destruction.  I am not sure where I stand on Iraq, North Korea, Islamic fundamentalism and other places where democracy is abused and people in power abuse the people they are suppose to serve.  I do not know if we are the global police force but I know we must play a strategic role. 

Globalization

I believe that the world is not one country, it is many states that must share in our planets resources and more importantly must protect our planet for our children and theirs.  We cannot thrive while others wither.  We cannot take advantage for our own benefit or we destroy what is God’s gift to man (and woman).

Freedom of Religion

Religion is a power force that is out of control.  Some of those with Islam as their faith wish to rid the world of those that do not share their beliefs.  Is Christianity any better, do we forget the atrocities of history.  I believe that we must insist that we the people respect God’s Ten Commandments and most importantly the two that Jesus taught us.  Love God and Love your neighbor.

Due process

I believe that the process of government (driven by big money, lobbyist and special interest groups) does not represent the will of the people.  We live in an age of technology, where we can us the Internet to put issues in front of the people and ask them to vote.  if we reflect on the definition of democracy we must remember that it is by the people not simply their representatives.  We should reflect on what democracy could become given the Internet and telecommunications.  We should think more about referendums, much like Switzerland does. 

Our republican form of government, I do not mean the party, is not a democracy; we are a republic that claims to be a democracy.  We should strive to exploit technology to create a true democracy. 

What see is that our republican government has flaws and does not have safe guards to assure us that our leaders vote the wishes of the majority.  Instead they fall into the trap of voting with those that can afford to buy their favor.

Greed and corruption

I think Wall Street is run by people that are only interested in lining their pockets through greed with Gold.  Salaries and risks need to be managed in a way that makes sure they seek to represent the interest of all the stakeholders and not just the interests of the speculators and sometimes shareholders.  Derivatives and the instruments of mathematics have created a trading environment designed to make those that can play the game rich, at the expense of the people who believe that others will look after their interests.

The environment

I believe that we are not offering the world a good example of how to be proper stewards of our planet and the biosphere we live in.  How can we expect others to cut back on carbon emissions and other diabolical chemicals pouring into the atmosphere, oceans, rivers and land if we sit and consume 25% of the world’s resources and represent less than 6% or the global populations?  How can we think that others will not follow our example and do what we should do if we don’t do it ourselves?  We must lead by example.  We must suffer the pain of finding ways to conserve energy, reduce pollution and clean up the environment before we complain about what China and others are doing as they race to catch up.

Taxes

I believe that we are over taxed and under served.  Too much goes to special interest groups.  If the people can see that their money is well spent and they benefit from the spending then we are willing to pay for the services rendered but if money is spent to help foolish people then we ponder why must pay. 

Land Use

I give two examples.  The Mississippi flood plain, will flood it is natural and the way the environment works.  If we let people build in these areas then the rest of us should not have to rescue them they must suffer for their own mistakes?  Now I do not wish to sound too callous, how were they to know that every hundred years the flood plain will be covered in water?  Well then Government should study and provide the zoning restrictions designed to make sure land is used intelligently.  The other is the fires and mud slides in California these will happen it is the way of nature.  We should not permit people to build in these, although beautiful, areas and then expect the government to come to their rescue.  If we want to live in places that are going to be destroyed by acts of nature then we should be held responsible for our own decisions and not expect the people to come to our rescue.  This being said we must be prepared since there will always be something we cannot control, like a meteor striking the planet or Yellowstone turning into a volcano.  But then we do know that these things can and ultimately will happen. 

So, yes prepare, but also insist the wer plan at the individual level, and shift our attitude – expect not from the government.  We must take responsibility for your own decisions and risks.

The Champagne Class of Income

Our economy is out of control when so much wealth can be concentrated in the hands of so few.  What did they do that affords them the right to amass wealth beyond belief.  If they do let them live a great life but make sure we tax them or demand that they invest in charities and good works.

Corporate Growth

We must maintain an attitude that is about keeping and bringing job to the United States.  It must be rational and not subsidies.  Farm subsidies do not assure a balance on a global scale.  Yes we must be self sufficient but when we create mountains of unused produce simply to make sure the farmer makes a lot of money something is wrong.  If we price food so that people cannot afford to eat then we are messing up the planet.  There is enough food to feed the world but it is not priced to feed the world.  Stop subsidizing what is not rational and once again lead the way.  Europe will follow if we lead and then food will be available for the poor in Africa and Asia.  As to corporations they must stop thinking about the next three months and the value of their shares.  They must remember their responsibility as stewards and focus on stakeholder value not shareholder value.  A country without employment is a country without consumption.

My request

I see a need for radical change that must be the will of the people.  Your job, as president, is to figure out what we want (the majority) and then lead us to achieve.  In the end, government is for the people.  Unless it can serve then it is not of the people.

Alternative Payment Methods

Ed Kountz of jupiter in his recent blog on Alternative online Payments offers an opinion that credit and debit cards where not designed for the Internet. It is interesting to reflect back in history and remember when it was not the magnetic strip that was important to the execution of the transaction but the numbers printed on the front of the card a merchant could simply would say into a phone or type onto their telephone keypad to get an authorization.

Move to the Internet and instead of asking the merchant to type in the account number and expiry date we ask the consumer to fill in an Internet form. How can one argue that ISO7810-3 cards where not built for the Internet.

Back in the day, circa 1993, when we began to think about how we would secure payments over the Internet and address words like dis-intermediation. It was clear that by any definition the ubiquitous credit card was already a vehicle for enabling eCommerce. All the internet did was to take mail order and catalogue business and give it the power to become a global operation; no longer limited by the cost of a telephone call or postage. Nowadays, of course, the internet has become such a vital part of our everyday lives, with people looking up things like “internet in my area” to make sure that they are getting the best deals possible so that they can be confident that their connection won’t let them down.

And, of course, Mr Kountz is correct, there is a real issue with security and the Internet. Yet the issue is no greater than what was faced when Card Not Present transactions started happening as telephone ordering became common place. Did the payment associations attempt to keep up? MAYBE!

First we saw the introduction of CVC2/CVV2 and address verification as tools to address the risks of someone who had captured the data on the face of the card from employing that card maliciously. Not a bad solution, if the merchant was willing to make the changes to their web sites and call center procedures.

Next came SET, now here was the perfect solution, yet at a cost that simply did not offer anyone a reason return on investment; even if Card Not Present Fraud was an issue. Since then the payment associations tried to develop a simpler yet equally secure solution called 3D-Secure, Verified by Visa or SecureCode. The idea is sound. The issue of adoption came down to the simple issue of figuring out how to get the consumer to go through the additional step of activating their 3D-Secure password and better yet remember it. Versus what became the reality, they simply said this is too difficult, I don’t need to buy that today, so they abandon the shopping cart. Merchants saw 3D-Secure as a way to lose potential business and at a rate alarmingly larger than the cost of fraudulent transactions.

So what is the answer? Create new means of payment that are designed for the specific trading environment (mobile, Internet, Mail Order, telephone Order, face to face …) or figure out how to get everyone to work together to come up with a workable solution that exploits the power of the Visa, Discover, MasterCard and American Express Brands.

In my opinion it is about communications and working together as a team. Not once has the merchant been asked to participate in developing more secure solutions to payments. They are simply told through compliance and rule changes this is what they shall do.

Maybe the new Visa and MasterCard will find that merchants are now shareholders and bringing them to the table is in the interest of everyone especially the consumer. Or is it time for a new payment Brand that is built to serve the merchant and operated by the Banks?

Yesterday today and tomorrow

Once long ago there was a lady so fair
My heart was with her
My mind did pondered a future together
I understood then we each had a path we must follow
Each a Path leading to fields of fruit and bounty
Time passed and contact was lost
Yet her name stayed in my mind
Never to leave the subtle crevices of memory
Thoughts and feeling of joy kept the feeling fresh

Recently perchance our acquaintance once again remade
In yesterday unfinished was the relationship
In tomorrow expectation that are yet unknown
In today time to dream
A time to learn of of each other
A time to explore what was is and could be
No hopes, only dreams yet tempered by the realities of time

Genesis evolution creation and the power of God

During my journey from one of not wishing to believe to one accepting the power and grace of God; I explored science and hoped science would offer all the answers and ultimately be able to explain everything.  As my learning expanded, I came to appreciate that there was too much order in all that my eyes see and my mind perceives; I came to accept that only a creator could establish the order of the universe we live in.

When I reflect on the big bang and read Genesis 1:1-5 I see in those few words the fact that there was a Big Bang and it was when God created the light.  Those seconds and billions of years that followed, God set out to create the universe, and eventually create the planet we call earth.  All of that is the work of his “First Day”.  If we measure it in our time, billions upon billions of years passes; God created dark matter and let fly particles of matter and energy in the great blast he caused.  So great is his power and so glorious his vision was formed universe, galaxies, stars, suns and planets all turning so that there would be a time of dark and a time of light.  His first day’s work was done.

We know the foundation of all life on earth is made possible by the existence of air and water.  On the second day he created H2O and the air.  With these two creations he created the expanse between the water in the sky and the water on our planet.  So ended God’s second day’s efforts.

On the morning of the third day he created DNA and developed the structure of a plant cell.  He then spent the balance of the day manipulating this creation into what we know as the vast diversity of plant life.  He then blessed these various forms of vegetation to be fruitful, evolve and multiple.  On that day he set in motion the process that would allow these initial forms of vegetation to evolve into the multitude plant life we are familiar with today.  He wanted his various creations to evolve and enjoyed watching the new forms of vegetation emerge and recognized that some would not survive and in many cases decided to destroy those that were not pleasing to him.  He saw that his creation of numerous plant species was good and saw that his third day of work had come to an end.

On the fourth day he saw that for evolution to continue there must be times when the sun, with its great energy, would touch the earth.  So he parted the waters of the sky to form what we now call clouds.  He caused the planets to rotate and the sun to disappear and the other planets, stars and galaxies to become visible.  He set the earth’s rotation and orientation to align with all his other celestial bodies, causing there to be warm times and cold times.  By setting the earth to tilt and spin at a certain rate, he was able to create the seasons which further stimulated the growth and evolution of his first creation, vegetation.  The vegetation was now capable of  following the cycle of life he set in motion when he created the passage of the seasons.  By altering the strength of the light from the sun and intensity of the light of the moon he added diversity to his creation.  With this new process in place it was time for God to rest the evening of the fourth day.

On the fifth day God arose and decided to create creatures that would fill the seas and soar through the sky.  By using his creation, DNA, he moved on and created animal cells.  In the morning he created simple creatures to inhabit the sea and soar through the sky.  He saw that this was good and he caused these creations to be fruitful, evolve and multiply.  As the day progressed he continued to experiment and create more complex creatures by developing animal cells capable of performing different functions.  God continued to relish in the creation of diversity.  As he created each new species he continued to embed within them his concepts of evolution and enjoyed watching each evolve from its own kind and fill the sky and the sea with a diversity of birds and sea creatures.  And it was time for God to rest the evening of the fifth day.

On the sixth day he saw that the land was only filled with vegetation and saw that the richness of the vegetation of the land could support new forms of life.  So in the morning he caused the creatures that inhabited sky and the sea to evolve and descend from the sky and crawl out of the sea.  As the day progressed God further populated the land by creating new creatures.  Like he had done on the fourth and fifth day, he blessed these creations of the land and let them be fruitful, evolve and multiply.  As the day passed he noticed that some of his creations were so large that he could not allow them to continue to multiple.  Slowly but surely God evolved his land based creations to become what we know as the livestock and the wild animals.  God was selective is his process of creation and enjoyed creating a wide variety of creatures.  Yet,he also had an eye for beauty and diversity and would often determine that one or another was not fit to continue to exist.  Those that where pleasing to him, he allowed to flourish, multiply and evolve.  Others of his creations he saw where not good and he destroyed them.  In all his thinking there was a plan to create a creature in his own image.  As the creatures of the sea, sky and air evolved he selected only those creatures which would be suitable for the world man would also inhabit.  After a time he saw the success of  his process of selection and planned evolution.  His creations had evolved to the moment when he was ready to populate the world with a creature God could commune with.

So near the end of the sixth day – Genesis 1:27-28 – God created man in his own image, in the image of God he created him: male and female he created them.  God blessed them and said to them, “Be fruitful and increase in number; fill the earth and subdue it.  Rule over the fish of the sea and the birds of the air and over every living creature that moves on the ground”.

Given that he made man in his image, man had the ability to think, the power of free will and a rebellious willingness to create anew.  God also knew that through time our knowledge of where we live and all that is around us would grow and he would have to chastise us often to remind us of his power and dominion over all.

I could venture into the question of Sin and ponder how the seven deadly sins: lust, gluttony. greed, sloth, wrath, envy and pride fit into God’s plan.  What we do know is that God can see everything that will and has happened.  He knew Woman would listen to the serpent and eat of the fruit of the Tree he had forbidden them to eat from.  With this same clarity God knows that at different stages in the growth of our knowledge of how the earth and the universe was formed some would see themselves as God’s equal and decide that there was no need to reverie the one God.

These foolish men would forget to continue to pursue knowledge and instead stop and come to believe that the little knowledge they had acquired gave them the power to see themselves as Gods and to think that they understood ALL.

Knowing all of this, when God spoke with Moses he offered the ten commandments and reminded us in the first four commandments that there is ultimately only one.  He left us to recognize that we bow down to science or other idols we will lose sight of the reality of creation.  We would forget how God always intended there to be another question to ask, another space to explore, another particle to find, another marvel to ponder and other theories to test.  He understand dividing half by half over and over again would never reach zero or by exploring the universe we would never see the beginning and had no chance see the end for in the beginning there was God and int he end there will be God and on and on he goes.

As some one once explained “Something cannot come from Nothing”

He wants us to learn, yet he built something so complex in it characteristic of being both infinitesimally small and infinitely large that we can and will never reach a time when there is nothing more to learn.  Any scientist that stops in his quest for knowledge has lost sight of his reason for being a scientist.  Any human that accepts what he is told and does not continue to question will lose sight of the infinite power of God and become lost in a cloud of ignorance.  For God’s greatest gift is that we can always seek and learn and that we will always have more to learn and search for.

When I read Genesis I know I am reading the words of Moses and I know that Moses was listening to God telling the story of how he created all that we see around us.  What is clear is that God knew that man was not ready to understand the complexity of what he had done and so he offered Moses a simply yet vastly complex picture of his six days of work, knowing that we could explore and learn yet at the same time accept and be certain of his power.

What is amazing is that when we listen to the great scientists, the ones that continue to look deeper into what it is they are exploring they find that in the end there are no final answers, simply more questions.  This is exactly how God planned it.  He wants us to explore, he wants us to learn how to manipulate and utilize that which is around us.  What he also did was create something infinitesimally small and infinitely large so that through the reality of infinity we can and will never be able to find any other answer than the one written in Genesis, God created the universe and all that is within it, including the processes of reproduction, evolution, mutation and destruction.

Yes, like I did at the beginning of this email, he allows us to interpret the words in Genesis and wants us to further our knowledge and understanding.  He knows that through the ages we will understand some of the complexity of what he did.  BUT at the core the words that are in the Bible are the clearest way of saying everything and leaving us the responsibility to always question and learn.  Through this responsibility, God knows that in the end we will understand that only the creator could create the universe, in its complex glory.

Neither Chaos, Genetics or Evolution will ever be able to help us understand why only four basic elements can be combined in such a variety of ways to produce so many complex life forms.  The complexity of DNA and the cell and their ability to evolve are and will remain God’s greatest creation.  The stars nebula and beautiful clusters that fill the telescopes we use to see into the distance only offer us a glimpse of God’s love of art.

The order and chain of life is so structured.  Only the ONE has the knowledge and power to drive the creation of the universe and design the process of evolution, allowing the plants, birds, sea creatures, land animals and those most primitive of elements: matter and energy; to continue to create new and wonders things.  Only the one God has such intellect and power.

Of Jesus that is for another day.  There the story is of God deciding that he had to finally come to earth to teach us how to live together.  For unlike the other living things, we were given free will and unless we accepted his guidance we will and can destroy that which surrounds us.

We must remember, God almost gave up on us.  Remember how he destroyed all but those Noah took forward.  Jesus came to offer us salvation and more importantly to simplify the Ten Commandments down to two – Love God and Love Your Neighbor.   If we could simply do these two things then we would be at peace and like the other creatures of god’s creation live in harmony in God’s universe.

Our quest is simply to help everyone to understand that by living with those two commandments in our hearts and in our heads; we can live in peace and maybe one day return to the Garden of Eden.  With respect for the one unimaginable God and together as the common inhabitants of this plant, we can work as a team to be better than how we operate as isolated individuals seeking dominion over someone else.

With God’s Love