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Saturday, October 10, 2026

A Saturday, Some Tomatoes, A Little Honey, and Some Eggs: A Reminder About Why Buying ad Supporting Local Matters

Marquette Farmer Market

Escanaba Farmer Market

Gladstone Farmer Market

On my way back from Marquette, I stopped at the farmers market. We have one in Escanaba, too, and I always enjoy checking them out. You can find some great products, meet interesting people, and occasionally learn more about farming than you ever expected. All while shopping for tomatoes.

I picked up some tomatoes for salads and carrots, then got talking with a guy selling maple syrup. He was telling me about the realities of being a small farmer. He has about 3,000 maple taps, but even that isn't enough to provide a full-time living. Like a lot of farmers around here, he has to work another job.

It got me thinking of how he ight make a living if he expanded, but the investment required—and the years he'd have to wait before seeing a real return—makes it almost impossible for most people unless they're truly passionate and willing to suffer a little for farming.

Some of the biggest challenge isn't necessarily finding stores willing to carry his products. It's getting enough volume to make distribution worthwhile. Small stores might order five or ten bottles at a time. 

Distributors make things easier, but they take their cut, and then the stores take theirs. As an example there are bigger markets in Wisconsin where he could sell a lot more, but he'd need stores to commit to larger, perhaps quarterly, orders so a farm like his could deliver a truckload at a time and make the trip worthwhile (As a side thought maybe multiple farms could work together to split costs for various products. i.e. a type of farmer group.).

In other words, making good maple syrup is one thing. Figuring out how to make a living selling it is another.

Further down the road, I spotted an honor-system egg stand. Five bucks, grab some eggs, and leave your money. How cool is that? Unfortunately, they were out that day, but I always try to buy fresh, local eggs when I can. There's something about getting food directly from the farm that just feels different. And, in my opinion, fresh eggs taste better, too. The chickens might not have a marketing department, but they seem to be doing just fine.

Then I stopped in Gladstone at an Amish business selling cookies and other homemade goodies. I ended up buying some honey, which I'm looking forward to using in the kitchen. I passed on the cookies because I'm trying to watch what I eat. Apparently, my willpower is strongest when the purchase involves honey instead of chocolate chips.

But the visit reminded me of something more important: religious freedom and respect for other people's beliefs are fundamental American values.

We live in a wonderfully diverse country. Amish families, Muslims, Jews, Christians, and people from countless other traditions are all part of the fabric of our communities. We don't have to share someone's beliefs or lifestyle to respect their right to practice their faith. I love the Amish and how they live their lives. In some ways it reminds me of my ancestors and how they lived theirs.

And here's where all these stops along the road connect.

We need to do a much better job supporting local agriculture and local businesses.

COVID showed us what can happen when supply chains break down. We shouldn't have to depend so heavily on distant suppliers for everything we eat when we have farmers right here who could be producing more of it.

Young people want to get into farming, but the startup costs are enormous, the margins can be thin, and the distribution system often works against them. If we don't make it easier for small farms to grow, sell their products, and earn a decent living, those skills and businesses will gradually disappear.

We need policies that help build stronger regional food systems, create better access to markets, and give local farmers a realistic chance to succeed. That doesn't mean producing everything locally. It means making sure a meaningful share of what we eat can come from the people and farms around us.

And there's an economic benefit, too. Tourists love local products. They come here for the honey, maple syrup, homemade goods, and yes, the famous Michigan fudge. They want something authentic that they can't get at the department store back home.

When we buy local, more of that money stays in our communities. We get to know the people producing our food, see where our money goes, and build relationships that are worth more than a receipt.

So today I came home with tomatoes, carrots, and honey—and a reminder that the local economy is about more than shopping.

It's about preserving skills, supporting families, respecting our neighbors, building resilience, and keeping our communities alive.

Support your local farmers. Buy the tomatoes. Pick up the honey. Stop at the roadside egg stand—even if the chickens have temporarily suspended operations.

And take a few minutes to talk to the people behind the products. You might come away with a lot more than groceries.

Present Moment and Small Worlds of Happiness

The little things we do make a big difference in our lives. Our everyday habits and patterns shape our experiences and influence the happiness we find in each day. Where we focus our attention and how we experience each moment can make all the difference. So if you have a choice over your subjective experience feel free to have a positive beat. It is only a journey from one spot to the next. 

(Illustrative only)
Being a little silly with 
this picture but
keep in mind if you focus
on the now your 
life will be enriched.
Of course, this doesn’t mean that everything is perfect or that our lives are filled with flowers every day. We are not necessarily rich, or given everything we want, but that is part of the spice (As a side note those with a lot of money don't necessarily have better lives but just more resources.).

 There are serious concerns in the world, and many of them cannot be changed in an instant. Rather than allowing these challenges to overshadow our lives, we can focus on what is right in front of us while doing our best to encourage what is good in the world around us.

In this way, we can create our own personal world of happiness within an imperfect world. We learn to appreciate the moments we have, regardless of whether we are rich or poor. In some cases, having too much wealth may even limit our ability to experience life’s simple pleasures and find genuine fulfillment.

There are no prerequisite requirements for happiness. What matters most is finding a sense of place, appreciating the little things, and learning to live fully in the moments we are given.

Scientific Insights on Present-Moment Living, Purpose, and Well-Being
  • Mindfulness can reduce stress and improve emotional well-being.
  • Living according to personal values can increase happiness and self-esteem.
  • Having a sense of purpose supports psychological health and life satisfaction.
  • Meditation may improve attention, emotional regulation, and stress management.
  • Consistent daily habits help strengthen mindfulness, personal growth, and well-being.
Di Tran. (2025, April 6). Scientific insights on present-moment living, purpose, and well-being. Di Tran University. https://ditranuniversity.com/scientific-insights-on-present-moment-living-purpose-and-well-being/

Friday, October 9, 2026

The Allegory of the Clan: Just Imagine the Long Term Outcomes of Different Lenses?

(Illustrative Only)
Two lenses.
If they can't see it
they they can't align
it. Ignorance,
greed, corruption and
hate damages us all.




We can continue exploring the learning story called the Allegory of the Clan, modeled after Plato’s Allegory of the Cave. The basic idea is simple: the deeper we go, the more we are able to see. Such seeing is part of the concepts of awareness and in turn the precursors to enlightenment (in its practical form). 

(Just as a side philosophical thought. Is it possible that the individual and collective change in our brain's development leads to greater insight and societal change? Can enlightenment be traced to specific neural correlates, cognition, or behavior? No, and (a qualified) Yes)

For this philosophical experiment, imagine a society divided between an in-group and an out-group. The in-group is viewed as more valuable, legitimate, or deserving, while the out-group is treated as less worthy. This distinction may not always be openly stated. It can exist through traditions, assumptions, institutions, and unwritten social rules.

When members of the out-group repeatedly fail to receive justice, something larger begins to emerge. Individual failures become patterns. A lack of checks and balances allows misconduct to continue, and institutions begin producing outcomes that are difficult to explain as isolated mistakes.

Imagine, for example, that minorities are openly targeted, women are exploited, serious complaints are ignored, illegal money is obtained, and insiders become financially enriched by the system. Imagine that victims bring these problems forward, but the courts or other institutions protect the people responsible because acknowledging the wrongdoing would create political, financial, or institutional liability (In theory).

The victims are then blamed, ignored, or pushed aside.

The community challenges the corruption, but the institutions reject the challenge. In doing so, they begin to undermine their own outwardly perceived legitimacy (Depends on perspective and lens.). Witnesses, whistleblowers, and victims lose faith that the system will protect them or that improve if improvement is needed (Think of the implied assumptions and access to decision making. In theory. ). The natural shared understandings break down as a lens solidify based on self conforming logic that intentional discourages outside information (Freedom of speech argument and how that leads to greater overall awareness and decision making.)

History shows why this is dangerous.

When institutions that are supposed to provide accountability instead protects people in in-groups, society begins to lose trust. It is part of the natural system if you step back in the historical perspective. When any group dehumanize others and use institutions to avoid accountability, the situation can become much darker. In its most extreme forms, this kind of thinking has contributed to persecution, ethnic violence, and genocide.

The important question is not simply whether individual people are good or bad. The deeper question is what happens when a system rewards people for promoting their own group instead of protecting the principles of the institution?

That is where the idea of the lens becomes important.

People see the world through the experiences and assumptions they have developed throughout their lives. Someone raised within an in-group may naturally see the system as fair because the system has generally worked for them. Someone in the out-group may experience that same system as unfair because they have repeatedly encountered barriers that the in-group barely notices (Right or wrong is a matter of greater moral debate. We can dub this 'moral conscious'.).

Both people may be looking at the same society while seeing completely different realities. Each is backed by a long list of confirmining thoughts, beliefs, and perceptions built up over decades of socialization. All the way back the lens and early assumptions filter what is seen and what is not seen. The more people listen and understand other perspectives, the more broad knowledge they gain, and greater the overall shared perspectives (In theory).

The danger is that people rarely question their own lens.

A judge, scientist, scholar, politician, or other highly educated person is not automatically free from this problem. Education can provide knowledge, but it does not necessarily remove the assumptions formed through culture, family, institutions, personal experience, or social position.

A person can become highly educated while still interpreting new information through an old framework. You can see this in one sided arguments and it happens in science, politics, daily conversation, and life experience. Those who can play devil's advocate and think of alternatives are much more strategic in their thinking and able to be more accurate with decisions.

They may notice evidence that confirms their beliefs and overlook evidence that challenges them. They may see an individual from an out-group and unconsciously associate that person with negative assumptions about the entire group (....flip the mirror and they may see themselves through thier projections).

This does not always require conscious hatred.

Sometimes the problem is simply that the person cannot see what their own lens prevents them from seeing.

That is why life is a journey of awareness that opens one's lens is so important. The development of full self-actualized individuals is a series of challenges and insights. The same for a person and the same for society.

A society based on freedom and human dignity begins with the idea that every person has value. Laws, constitutions, courts, professional rules, and public institutions are supposed to protect that principle.

They are not supposed to become tools for personal enrichment, political favoritism, or persecution. Thus we must make change when it is found to maimize adaptability and societal performance (A human capital problem).

When officials use public power for private benefit, they violate the purpose for which that power was entrusted to them.

This is why corruption is more than financial misconduct. It can become a failure of the social contract itself (Every society has social contracts. We are self-governed in essence government works for the general will of the people. The democratic experiment continues in historical theory).

The purpose of institutions is ultimately determined by what they do.

If an institution claims to value equality but consistently protects one group at the expense of another, we should examine the outcomes rather than simply the words.

If it claims to value justice but repeatedly protects wrongdoing, we should question whether justice is actually its operating principle.

We do not necessarily need to solve these problems immediately. The first step is learning to see them. Think of their possibilities and then if necessary accept, reject or modify. 

That requires people to examine their own lenses and ask:What assumptions did I inherit?
What do I automatically believe about other groups?
What evidence do I ignore because it challenges my worldview?
Would I judge the situation differently if I belonged to the other group?
Does the institution actually operate according to the values it claims to protect?

These questions can create the possibility of change.

But insight alone is not enough. Leaders must be willing to act on what they learn.

A society becomes stronger when its institutions serve the whole society rather than a narrow group of insiders. It becomes weaker when people use those institutions for personal gain or to protect their own group or party.

The long-term consequences can include greater inequality, concentrated wealth and power, declining trust, social division, and political instability. Ultiately performance as a whole declines (All societies are a type of system. The adaptable, strong and supported ones continue on for centuries.)

Challenging wrongdoing therefore serves more than the immediate victims. It helps protect the institution itself.

The real test of leadership is not whether someone has the best credentials, the most connections, the most polished language, or the most money behind them.

It is whether they can see beyond their own interests. They understand the values of the system, they understand a pathway to solve societal problems to strengthen the whole, and they have the skill to use resources to enact helpful outcomes. Then you get into more granular discussions on short and long term thinking ability, qualities, backgrounds, ethics, etc. 

The best leaders must be able to change lenses—to understand how the same system looks from another person's position and to recognize when their own assumptions are incomplete.

This is especially important for each new generation. The lens changes, as the challenges change, and as we learn. Social and leadership change helps rejuvenate the system. The strength of the system is that it accepts newness because it is made of processes that enact a general will. In other words, its adaptable to new ideas and thoughts to improve (i.e. freedom of speech).

Those coming of age inherit institutions they will adjust and change to the challenges of their times. If bigotry, corruption, hate, etc. are tolerated in some places, even if that is in a minority of places, then there may be adjustments in the future. 

Their responsibility is to question to improve performance. The alternative logic and anchor that may be a reasonable pathway or segway to adjusting the lens (in theory).

The lesson of the Allegory of the Clan is therefore simple:

If your lens never changes, there are things you will never see. In essence you are blind; or at least partially so.

And if a leader cannot see what their lens hides, they may make decisions that benefit themselves or their group while weakening the society and its foundational universal principles they were entrusted to protect.

The goal is not simply to do the right thing.

The deeper goal is to learn how to see what was previously invisible.

That is where meaningful change and thoughfulness begins. or not? 🤔🤷That is up to you.

*The Allegory of the Clan is a philsophical thought experiment. One can accept, reject, change, or adjust as they see fit. Take with a grain of salt. Thinking about it is enough. 

University of Michigan Surveys of Consumers (October 9th, 2026): Short Term ok With Long Term Concerns

October 9th, 2026

ESCANABA MI.-Consumers are becoming more pessimistic about current economic conditions, although the decline in confidence has been modest. Meanwhile, short-term expectations have improved slightly, suggesting consumers believe things may be okay for now.

However, concerns about the long-term economy and rising prices continue to weigh on consumer confidence. With inflation putting pressure on household budgets, consumers may limit unnecessary borrowing and credit card debt to protect their financial stability.

Summary of the University of Michigan Surveys of Consumers
  • The University of Michigan’s Surveys of Consumers measures how people feel about the economy, their personal finances, and future economic conditions.
  • The Index of Consumer Sentiment was 46.3 in October 2026, down from 48.1 in September 2026 and 53.6 in October 2025.
  • The Current Economic Conditions Index fell to 44.7, reflecting increased concerns about current economic circumstances, high prices, and borrowing costs.
  • The Index of Consumer Expectations rose to 47.3 in October 2026 from 46.3 in September, suggesting a slight improvement in consumers’ short-term economic outlook.
  • Inflation expectations increased: consumers expected year-ahead inflation of 4.7%, up from 4.6% in September, while long-run inflation expectations rose from 3.4% to 3.5%. Overall, concerns about the cost of living and economic uncertainty continued to weigh on consumer sentiment.
University of Michigan, Institute for Social Research. (2026). Surveys of consumers. https://www.sca.isr.umich.edu/

Thursday, October 8, 2026

August Wholesale Trade Report 2026

The wholesale trade report provides insight into the role of wholesalers as intermediaries between manufacturers and retailers. It may also offer insight into imports and exports, depending on where the goods and supplies originate. So these stats are tied to other stats to understand a broader economy.

The report presents a somewhat positive outlook, as wholesale inventories are growing. However, it is important to monitor consumer spending, market demand, and supply levels to better understand the potential impacts on specific industries and local communities.

Monthly Wholesale Trade Report: August 2026

  • Wholesale sales in the United States reached $817.5 billion in August 2026, representing a 1.8% increase from July 2026.

  • Wholesale sales increased by 15.6% compared with August 2025, indicating substantial year-over-year growth.

  • Wholesale inventories totaled $964.2 billion at the end of August 2026, increasing by 0.5% from the previous month.

  • Inventories rose 6.4% compared with August 2025, suggesting that wholesalers held more goods in stock than they did a year earlier.

  • The inventory-to-sales ratio was 1.18 in August 2026, down from 1.28 in August 2025, indicating that inventory levels relative to monthly sales were lower than a year earlier.

U.S. Census Bureau. (2026, October 8). Monthly wholesale trade report: August 2026.https://www.census.gov/wholesale/current/index.html 

Unemployment Claims October 8th, 2026: Labor Market Stability Remains Key to Economic Growth

The labor market appears to be maintaining a measure of stability as the broader economy continues to evolve. For businesses and policymakers, that stability remains an important foundation for financial health and long-term economic positioning.

Labor is more than a cost of doing business. A skilled workforce represents a critical form of human capital, providing the expertise and innovation that enable companies to adapt, improve productivity and remain competitive.

The implications extend beyond individual organizations. Strong employment and a capable workforce can reinforce the economic vitality of communities while supporting broader social stability. As economic conditions shift, the ability to develop and maximize human capital will remain central to sustainable growth.

Unemployment Claims October 8th, 2026
  • Initial Claims Decrease: For the week ending October 3, 2026, seasonally adjusted initial unemployment claims dropped to 197,000, a decrease of 2,000 from the previous week's revised level of 199,000.

  • Moving Average: The 4-week moving average for initial claims fell by 2,500 to 198,000.

  • Insured Unemployment: Seasonally adjusted insured unemployment reached 1,716,000 for the week ending September 26, 2026, an increase of 17,000 from the prior week's revised level.

  • Unemployment Rate: The seasonally adjusted insured unemployment rate held steady at 1.1%.

  • Unadjusted Data Highlights: Actual unadjusted initial claims totaled 170,333 (an increase of 7.6% over the week), compared to 207,124 initial claims during the same week in 2025.

  • State Highs & Lows:

    • The highest insured unemployment rates were reported in New Jersey (2.0%), Washington (1.8%), California (1.7%), Massachusetts (1.7%), and Puerto Rico (1.7%).

    • Michigan recorded the largest weekly increase in initial claims (+739), while Hawaii recorded the largest decrease (-1,172).

Employment and Training Administration. (2026, October 8). Unemployment insurance weekly claims (News Release No. USDL 26-1561-NAT). U.S. Department of Labor. https://www.dol.gov/ui/data.pdf

Wednesday, October 7, 2026

Board of Governors of the Federal Reserve Systes (September 8th, 2026): High Interest Rates, Driven by Nonrevolving Credit

If you look at consumer credit, what we’re seeing is that people are still taking on debt, particularly through non-revolving credit like auto loans, student loans, and personal loans. These types of loans typically have fixed interest rates, which can be more manageable than credit card debt.

Credit cards can carry interest rates around 20% or more, so if you can move that debt to a lower-interest option, it can make a lot of sense. It’s worth talking with your accountant or financial advisor about your options.

Interest rates are high right now, and most consumer debt is held by commercial banks and the federal government, so there aren’t always easy ways around those costs. If you can avoid borrowing at a high rate, though, that may be the better choice.

For example, I recently paid cash for a 2015 car rather than taking out a loan. It wasn’t a new car, but I preferred paying upfront rather than taking on an expensive car loan at today’s interest rates.

Board of Governors of the Federal Reserve System. (2026, September 8)

  • Total Debt Growth: Total U.S. consumer credit rose at a 4.2% annual rate in July to reach a record $5.186 trillion, rebounding from slower growth in May and June.

  • Driven by Nonrevolving Credit: Nonrevolving debt (auto, student, and personal loans) led the surge, expanding at a 4.8% annual rate to reach $3.829 trillion.

  • Credit Card Spending Cooled: Revolving credit (credit cards) slowed significantly to a 2.5% annual growth rate ($1.357 trillion total), down sharply from 6.0% in June.

  • Interest Rates Remain High: Borrowing costs stayed near multi-year highs, with credit card APRs averaging 20.94% across all accounts and 22.15% on accounts assessed interest.

  • Banks & Government Hold Most Debt: Commercial banks hold 40.8% ($2.094 trillion) of all consumer debt, while the Federal Government holds 31.3% ($1.606 trillion), primarily in student loans.

Board of Governors of the Federal Reserve System. (2026, September 8). Consumer credit - G.19: July 2026. [https://www.federalreserve.gov/releases/g19/current/g19.pdf](https://www.federalreserve.gov/releases/g19/current/g19.pdf)