Monday, July 28, 2025

Economic Well-being of Households in 2024-Federal Reserve

Home ownership rises as
incomes rise.
The Federal Reserve regularly analyzes and reviews the state of the U.S. economy. If you're not familiar, the Federal Reserve’s mission is to promote economic well-being and stability so they are a source of economic data. Understanding what people are experiencing economically to make decisions is an important part of that mission.

Below are some highlights from a recent report. Overall, the findings suggest that, from the perspective of the average household, the economy is doing reasonably well. However, it's important to remember that no single report captures every aspect of the economy or how people feel about it. Each report has limitations based on what it’s designed to measure. This give s a broad overview.

Household Economic Wellbeing Federal Reserve May 2025

Price of household essentials like
food still a concern.
Key Findings: I pulled a full but there are more. 

  • 73% of Americans say they are doing okay financially or living comfortably.

  • 29% of respondents rate the economy as "good" or "excellent," an increase from the previous year.

  • 60% report that rising prices are causing financial strain.

  • The median rent is $1,200 and continues to rise.

  • 22% of people earn income through gig work or by selling goods and services.

  • 41% of workers say they work from home at least some of the time.

  • 10% have variable or unpredictable work schedules.

  • 39% report annual incomes over $100,000.

  • 32% said their income increased over the past year.

  • 19% said their spending exceeded their income, while 30% said the two were about equal.

  • 7% reported not having enough to eat at least some of the time.

  • 85% have some type of retirement savings plan.

Again, while these findings provide a snapshot of current economic conditions, they don't tell the whole story. Broader context and additional data sources are needed to understand the full picture.

Sunday, July 27, 2025

According to a Survey Most Americans Feel We Should Support Veteran Research

The National Association of Veterans’ Research and Education Foundations (NAVREF) partnered with Isos to conduct a survey exploring how the American public perceives the impact of VA research. 

Veterans Overwhelmingly Back VA Research as Essential to Their Care and Medical Progress, New Ipsos Survey Finds

The findings revealed broad support for veterans' access to medical treatments and research initiatives:

  • 96% of veterans and 87% of all Americans believe veterans should have access to medical treatments.

  • 91% of veterans and 85% of Americans think it is important to conduct medical research.

  • 92% of veterans and 86% of Americans believe veterans should have access to innovative treatments.

  • 83% of veterans and 70% of Americans feel that funding VA research is important.

However, the survey also showed that many Americans are unaware of the VA's contributions to medical research. This highlights the need to raise public awareness and understanding of the VA’s role. It is also benefical to say raise awareness of veterans and their contributions to society in general. 

VA Research Survey Results 

*part of another project.

The Story of the Clan: Justice, Trust, Hate and Corruption in Clan Courts? (Hypothetical Thought Experiment)

A person lecturing on the importance
of liberty and preservation of rights
during sociological transitions.

Understanding Justice, Trust, and the Impact of Corruption

The justice system is critical because it influences many other aspects of society—our choices, our sense of safety, our ideas of fairness, and the concept of a level playing field. Society holds certain expectations for how officials and the courts should uphold shared values, as codified in our laws. When those expectations are not met—thankfully in what we hope are rare cases—it can come as a shock. There are mechanisms to bringing back into the fold of good judgement those rogue actors and ambassadors of democratic decay bring (Take with a grain of rhetorical thought.)

What follows is a theoretical, hypothetical, and philosophical learning thought experiment designed to explore the dynamics of hate and corruption. Through this exploration, we have already discovered meaningful insights and possible solutions.

The Decline in Trust

Let’s begin by acknowledging that a downward trend in public trust toward the justice system is not a positive one. No matter how you slice and dice it, those types of trends should be avoided. We should encourage decision-makers to arrest this decline and implement necessary reforms when such reforms help the whole of society. Sometimes, small adjustments in practice and tone can make a big difference. In other cases, more significant interventions may be required to halt systemic problems.

It’s important to recognize that understanding the purpose of the law can differ from mastering its technicalities. There's a risk when the system draws human capital primarily from a highly educated and socialized pool of attorneys—experts who are trained as technicians. While this expertise is vital, it should be complemented by a deeper understanding of the broader philosophical and ethical foundations of justice. That perspective can bring necessary context to legal decision-making.

Report Finds Trust in Courts Declining

Americans Pass Judgement on Courts 

A Learning Case: The Story of the Clan

In our thought experiment, The Story of the Clan explores what happens when a system fails—and not by accident, but by poor actor design. It describes a hypothetical scenario where the justice system defaults to protect and reward perpetrators. The story includes disturbing elements: hate-driven rumors, coordinated abuse, systemic corruption, isolation of the vulnerable, character assassination, suppression of speech and religion, and efforts to maintain segregationist worldviews (We might have seen this more like a 100 years ago).

This imagined example operated without appropriate local checks and balances. The system overlooked victims, retaliated against the innocent, and ignored whistleblowers. Culture and process favored those in power—those in the Clan—rather than the rule of law (Imagine the self-entitled dark triad traits of influencers that would cause and allow such behaviors. Certainly not the type that should be in any leadership role.).

Eventually, the situation became unsustainable. Some brave individuals stood up to the corruption, despite personal risks. They shifted the focus away from protecting bad actors and toward re-aligning with the fundamental purpose of justice. However, full accountability remained elusive, in part due to efforts to block investigations into perpetrators while pursuing those who simply raised concerns. Historically, such imbalances have sometimes served as precursors to even more serious crimes. (That sounds grim—but we will aim for a positive conclusion. It doesn't morph into a much larger issue because there are those who swore oaths simply said "no" and protected themselves and others while bad actors retaliated over and over with immunity and impunity. In our horrific example, it appeared the judge incentivized the perpetrators but the error of improprer symbolic anchorage was eventually corrected.)

The Economic Impact of Hate and Corruption

Part of this thought experiment is to explore the economic consequences of corruption and hate. These forces distort markets, misallocate resources, and create inefficiencies that hurt everyone—not just the direct victims. The implications of blind eye justice are much more than many decision makers can fathom from the vantage point in which they were educated and socialized. For 20 years our theoretical community declined until new leadership was brought forward and corruption was directly challenged.

It’s essential to clarify: one can fully support the many good leaders and decision makers who operate within the Constitution and the intended purpose of their roles. The vast majority of these professionals do the right thing, often under difficult circumstances. They have respect and this is why they have been supported. They deserve fair compensation, respect, and encouragement. When they can't, won't, or don't have the mental or moral conscious capacity to do the right thing is when problems arise. 

However, those who abuse their positions, enable corruption, or turn a blind eye to injustice should not be legally protected in the name of preserving the status quo. Some administrators may not fully appreciate the broader impact their role has on society. But it's worth remembering: people outside the justice system have just as much ability—and just as much right—to judge what is right and wrong. After all, these institutions exist to serve the public, not clans or themselves. Let us be happy that for the most part they don't. When we serve the institution then something is misaligned. Freedom of speech, religion, human/civil rights, and the Constitution should always be upheld. Let us give honor to the vast majority that do. They are heroes of our society. 

Checks and balances are essential to remind public servants who they are accountable to—and why. Thank God we have many who do the right thing and still believe in what our forefathers and mothers believed. Failure to do that leads to economic and social decline as resources are misallocated to people who hold values similar to "The Clan". 

James Madison, 

Opens in new tab"Equal laws protecting equal rights—the best guarantee of loyalty and love of country."

Love her and love her dearly as a beacon of light. 

How Corruption Impacts Economic Growth

*This is a hypothetical philosophical theoretical learning thought experiment on the impact of hate and corruption. Take as a grain of salt and feel free to agree or disagree. It is meant to generate deeper thought. 

Saturday, July 26, 2025

Inspire Your Writing with Digital Imagery: The Writer's Pub Poster

 

Inspire Your Writing with Digital Imagery

Digital imagery is a powerful tool to enhance your writing. Visualizing what you’re writing about helps create depth, clarity, and continuity. When you write with a vivid image in mind, your words become more engaging and meaningful.

Digital Imagery and Writing

This photo—taken at a small, hidden gem in Kentucky—reminds me of the many unexpected places where inspiration can strike. Images like this can spark creativity and guide your storytelling.

Let your imagination take shape.

Inspire your writing with the Writers Pub Poster.




Three Tips for New Firefighters: A Model of Courage and Humility

Firefighters—both men and women—are true professionals because they’re willing to risk their lives to help others. Volunteer firefighters, in particular, are especially brave and noble, as they serve their communities without expecting much in return.

For new firefighters, the journey starts with learning. It takes time to develop the skills and mindset needed for success. But one thing is certain: beginning with the right attitude makes all the difference.

Whether you're becoming a firefighter or starting any new job, perspective matters. Approach the experience with humility and a willingness to learn. Listen to the seasoned professionals. Leave ego—often a source of conflict and distraction—at the door. Everyone knows what unchecked ego looks like, and most people just roll their eyes at it. Instead, focus on growth, teamwork, and well-being.

Tips for Success:

  • Tip 1: Seek out the experienced folks. Find the veteran firefighter—the "old guy or gal"—and ask questions. There’s wisdom in their stories.

  • Tip 2: Check your ego. Confidence is good, but arrogance is toxic. Stay grounded and open-minded.

  • Tip 3: Take care of yourself. Physical and mental health are non-negotiable in this line of work. Prioritize both.


*Part of another project. 
**If you want to donate tax free to a great department send me a message to the right. 

The Power of Confidence and Influence in Business

The ability to influence others is a powerful trait that can drive business growth, enhance employee morale, and improve workplace culture. Often, this kind of influence stems from a deep sense of confidence—confidence built over time through overcoming challenges and solving problems. While natural charisma plays a role, anyone can develop influence through reflection, insight, and seizing opportunities.

Consider this example: you want to start a business but have little money. Your options might include saving, borrowing, starting small, or finding investors. To pursue any of these paths, a certain level of confidence is essential. If you don’t believe in yourself or your abilities, your plan is unlikely to move forward.

Entrepreneurs Have Confidence
Let’s take it further. Imagine someone starts a business with less than $500, treating it like a hobby just to see what’s possible. They trust that if they stay interested and committed, the business will grow. That confidence—when paired with creativity, perseverance, and adaptability—can lead to innovation. By experimenting with new methods, materials, and ideas, they may even disrupt their industry. Others didn't have to do it so they didn't discover anything new.

Building self-confidence isn’t necessarily difficult—it often starts with changing how you view the world. Everyone has unique talents, and when those talents align with the right environment, they can flourish. Not everyone gets that chance, so when opportunities arise, they should be respected and maximized.

Good ideas sometimes turn
into big businesses
Confidence also means being willing to fail, start over, and keep going. It means influencing others not just for personal gain, but to achieve broader goals—whether personal, societal, or community-based. Taking risks and trying new things in the business world requires a kind of deep, internal confidence. But it’s important to remember: confidence is not the same as arrogance or ignorance.

This manuscript explores how confidence fuels influence, which in turn affects consumer behavior. As you know, economics is ultimately the study of human behavior—measured in dollars, choices, and outcomes. Confident business owners and social influencers can shape their environments by guiding the actions and decisions of others.

Self Confidence and the Ability to Influence

Peninsula Community Senior Center: A Positive Reflection of Our Values

Peninsula Community Senior Center is an independent organization located on the Point Loma peninsula. They offer social activities, clubs, classes, and a welcoming space for seniors to connect and build community.

Our seniors are valuable members of society—having worked, raised families, run businesses, and contributed in countless ways. Now, it's our turn to honor and support them.

Helping the elderly is more than a kind gesture—it’s a reflection of our values. When we support others, we affirm our appreciation for life, community, and the meaningful use of our time. The Senior Center is a wonderful place to express these values and make a difference.

Programs & Services:

  1. Out and About Shuttling
    Convenient door-to-door shuttle service for seniors.

  2. Enriching Social Outlets
    Opportunities for connection, friendship, and maintaining independence.

  3. Community Engagement
    Participation in local events and gatherings to stay active and involved.

  4. Volunteer Opportunities
    We welcome volunteers to help support and uplift our senior community.

You can donate, contribute and volunteer here. Peninsula Community Senior Center