New Sperry Topsider insoles from TheInsoleStore.com

Posted By on July 4, 2015

Once in a while when commenting online about an item that I use, someone will ask me if I tried or would like to try their product. If the cost is reasonable, or no-charge, I’m usually happy to give it a try.

insolestoresamples

A company called TheInsoleStore.com after reading one of my posts about Sperry Topsider boat and insoles asked if I would like to try out a few of their offerings. They sent me several pair and I will gladly give them a try.

Sperry Topsiders, and their generic copycats, are my favorite shoes and I’ve worn them for 40 years. I’ve used them both for “dockside” or “everyday” wear as well as on the boat “sailing.” All brands of these leather shoes have the same problem – after wearing them barefoot and getting them wet, they stink  … as my 2012 post lamented.

Enter my search for a way to either prevent them from smelling — either treat them with something or buy new shoes. Since my shoes will usually smell before I wear them out, I decided to try a different solution: insoles.

Insoles Testing:

Felt/wool insoles — To save a few dollars, the inexpensive felt insoles can toss in the wash and a few years ago purchased some from China on eBay and have been disappointed – they smell odd even before they are worn? That said, I’m giving the felt insoles from TheInsoleStore an initial try. They are soft on the foot “initially” but do tend to pack-down as they are worn. We’ll see how they do through the summer.

Foam — Another pair of insoles made from foam are in my recently restored (cough, cough) Topsiders, and I already like the foam better than the felt/wool.

Black felt — I sent a pair of black felt (charcoal inside perhaps?) to my son who has  sweatier feet than me … so we’ll see what he thinks. They have an interested bottom which stays in the shoe better than the simple felt insoles.

Supportive — I’m anxious to try a more support style insole in the Sperry’s that I keep on the boat. They are more of a “water shoe” than the leather Topsiders, but are very thin soled and uncomfortable even walking to and from the boaters lounge on the dock … so I’ll be interested to see in the new insoles help.

Leather — Finally I’m going to put a pair of the thin leather insoles in my Allen Edmonds leather dress shoes. The don’t get nearly the abuse of a barefoot boat shoe, but since Tyler from TheInsoleStore.com sent me them to try, I will.

leatherinsoles

Some advice:

  1. The first line of defense is keeping your leather shoes somewhat dry … which is not always easy around water; for that I use a waterproofer like beeswax.
  2. Don’t wear the same pair of leather shoes everyday. Rotate between a couple of pair and let them dry or air out before putting them on again.
  3. Switch insoles. As mentioned previously, I’m a fan of the SofSole brand of insoles and have purchase a couple pair at Finishline. They are a bit more expensive but do hold up well.
  4. Less effective are sprays and powders … although I did try using baking soda and putting them in the freezer (yes, in a ziplock bag).

TechFriday: No FREE Windows 10 for Parallels on the Mac yet

Posted By on July 3, 2015

NoWindows10_Parallels4iMac

So much for “considering” Windows 10 on my iMac (Parallels). And here I was thinking that upgrading a couple of Windows machines wouldn’t be as expensive as in the past … with Microsofts FREE upgrad offer and all. (Parallels is working on a solution)

upgradewindow10free

Microsoft is making Windows 10 available as free upgrade for qualified Windows 7, Windows 8.1, and Windows Phone 8.1 devices. It will be available starting July 29, 2015; people can reserve their free upgrade today.

You only have until July 29, 2016 to take advantage of this offer. Once you upgrade, you have Windows 10 for free on that device.

More info

Video: The robins have been busy this year – brood two!

Posted By on July 2, 2015

robineggs150629

As with baby birds in previous years, the same tree is being used by the robins … with a new nest … again. This is the second brood for this pair of robins for 2015. They do have ugly chicks … and this guy is pretty weak (watch him flop below).

Crowdfunding with StartEngine.com and ElioMotors

Posted By on July 1, 2015

Investing in startups outside of a business where I have been hands-on management has never panned out successfully for me …  so I’m not sure why I think ElioMotors will be different? In other words, treat that last statement a warning and my skepticism beyond seeing a new car company as interesting and exciting IF you are interested as an investor. Raising the capital for such a large venture is not going to be easy, but I wish Paul Elio and his team well. If I had an automotive industry background, it would sure be exciting to be on the ground floor and working 24×7 to build another facility (two ground up faculties in my past).

startengineelioinvestment

Elio Motors has partnered with StartEngine.com, a platform for crowdfunding investments. A new Securities and Exchange Commission (SEC) ruling, Regulation A+, has made it possible for start-up companies to “test the waters” and see if there is sufficient interest from potential investors. StartEngine.com is assisting us with this effort so that we can stay in compliance with the regulation.

When you land on the Elio Motors page at StartEngine.com, you will see a lot of background on the company, but you’ll also see a button that says “Reserve your Shares.”  Clicking this button allows you to sign up and indicate how much you’d like to invest in Elio Motors. After July 31, Elio Motors will then decide how best to proceed with filing an offering statement with the SEC and once that offering statement is qualified by the SEC, Elio Motors can make a formal stock offer to interested investors.

We’ve been quite open about our need to raise money to move forward. Our most recent offering to accredited investors back in March helped us raise enough capital to begin building the P5. This was a huge step forward for the company. Funds raised from the recent Regulation A+ initiative will help us get to P6 and beyond.

It’s also an incredible opportunity for Elio fans. Not only can you reserve an Elio, you can now actually OWN A PART OF THE COMPANY! We are making history, and we hope you will come along for the ride!

To learn more about this limited time opportunity, go to both the StartEngine.com website and also view the “Alter the Course” video.

If you are interested as an investor, contact me and I’ll sent you the full email.

Leap Second: Are you ready to lose a second of your life?

Posted By on June 30, 2015

leapsecond150630

This might be a big deal for someone doing computerized “flash trading” but for most of us it would have gone unnoticed for the bulletin. So as a service to you, be warned … you’ll probably get “one-second” less sleep tonight.
Smile

Who says Greece is too small to impact world markets?

Posted By on June 30, 2015

Seems like about every article I read pointed to the fact that Greece’s economy is only “half the size of Ohio” and that we are insulated from the turmoil over this game of chicken they are playing with the IMF and pending $1.73B payment default. Still traders on Monday in about every market decided this just might be the time to sell stocks? Ouch … it was quite painful if you are holding equities.

WSJIndices150629

What’s the quick story on Greece?

Greece owes the International Monetary Fund (IMF) 1.5 billion euros on June 30th. Greece cannot pay that right now, so they are trying to borrow more money to pay the IMF. In order for the IMF to lend more money, they want Greece to agree to tough terms to rein in spending. That sounds good in theory, but these same terms make it hard for Greek economy to grow.

Greece unexpectedly announced a nationwide vote (or referendum) on July 5th to let the voters decide if they will agree to the loan terms. If the voters agree, the negotiations will end and Greece will accept the loan. If they do not agree, there would still be time to compromise, but the risks that Greece will leave the Eurozone will be more likely than not.

How will the Greeks vote on July 5th?

Polls show about 60% of the Greeks would vote in favor of taking the IMF’s deal. However, a lot can change over the course of a week.

If the Greeks vote against the terms, how much time is there for a last minute compromise?

The Greeks would be able to get by until July 20th because they could borrow from the European Central Bank (ECB) until then. OnJuly 20th, they have to pay the ECB 3.5 billion euros. Chancellor Angela Merkel said that Germany (they are running the show behind the scenes) is open to negotiations with Greece “at any time,” which keeps the door open for a compromise over the next three weeks.

Why do I care about Greece?

The Greek economy is relatively insignificant from a global perspective. They are about 1/2 the size of the Ohio economy and a little smaller than Indiana’s economy. The reason people are paying attention to Greece is because they would be the first country to leave the Eurozone. This increases the risk that more important countries like Spain or Italy would leave the Eurozone too. The risk that these countries would leave is low, as the IMF and ECB would likely bend over backwards for them.

What happens if Greece leaves the Eurozone?

If Greece leaves the Eurozone they will have defaulted on their loans. Unlike 2008 or 2011, the global economies are in much better shape to handle this. Back then, a lot of the Greek debt was owned by private banks, but now only 17% of their debt is owned by private institutions. The rest is owned by government entities. If Greece would have defaulted in 2011, banks would have had to write down loans and many might have gone under water. Since banks don’t own much of the debt today, the risk of widespread bank closures is low.

The Eurozone would actually end up being stronger if Greece leaves because Greece is the weakest link. From a fundamental perspective, things are improving in Europe as their economy grew 1% in the first quarter (much better than expected) and their unemployment rate is at a 3-year low. But the real problem is that a Greece exit (known as a Grexit) becomes a chink in the armor that is the euro currency.

Greece would likely fall into a deep recession as they begin the messy process of switching currencies from the euro to the drachma. However, they would eventually be able to return to growth without the constraints enforced on them.

Will the euro currency collapse?

Greece leaving should not cause the euro to collapse. The risk of the euro collapsing would occur if Spain or Italy would decide to leave the Eurozone. That is a very low risk occurrence at this point.

For more, see Simply Money Advisors

Looking at Google Analytics for My Desultory Blog

Posted By on June 29, 2015

GoogleAnalytics150622I’m bummed to see that total views on MyDesultoryBlog are down about 10% this past year. The drop-off may have to do with  more users looking at things on their mobile devices?

Blogs, mine in particular, are difficult to read on a small screen phone and longer copy (like the previous two posts) are not even going to be attempted (I’m thinking about own mobile viewing habits). If content isn’t included specifically for tablets or more importantly “phones” it looks as if  MyDesultoryBlog will be a less than desirable mobile read?

Hmm … what should be done to better accommodate mobile devices?

History repeats-Part 2: This is how we know we are getting old

Posted By on June 28, 2015

Read ONLY if you don’t’ mind getting lost in the weeds. I felt bit lost in my own country after the Supreme Court decisions this week and am concerned for the future. As a Christian, I’m trying to looking past my own traditional value and faith-based Biblical beliefs which have long been part of our country and hoping that there will be positives that I currently don’t see. Perhaps reflecting on previous generations will help?

Part Two (yesterday was part one)

My parents relaxed a bit when the draft ended in the mid-1970s, the movements grew old and burnt out (as did the participants) … but they still questioned the changes facing the country. Teens were playing that “loud obnoxious rock and roll music,” even as the psychedelic drug use faded. The attention seeking “dirty hippies” went more anti-establishment most chose a more “laid back” life … often in their California communes. They were no longer on the  front lines of change. The uniting force of rebelling against a horrible war, the downfall of the President (Nixon) Iran-hostages-b_thumb[4]had rewarded  solid victories in the area of social change (equal rights, pollution, etc) gave this maturing youth movement  a feeling that they made a difference … even if they began questioning “to what end?” Happiness was still evasive for many.

As always seems to happen, the pendulum swung too far in the 1970s and foreign organizations took advantage of America’s weakness. OPEC financially strangled the U.S. economy by controlling oil and we were ill prepared as a government or a country for this energy crisissound familiar? Islamic extremist (déjà vu) in Iran overthrew the Shah and took over the American Embassy and held Americans hostage. Under President Carter, the U.S. was perceived –correctly— as “passive and weak” … these bold Muslim Student Followers of the Imam’s Line fear no retaliation or at least acted without fear. The U.S. planned a couple rescue attempts with special forces … one failed leaving the U.S. with a public black eye and the other was never attempted. It was an embarrassment to our President Carter, our nation’s people and to its demoralized military.

As mentioned, the pendulum can swing  too far and just as it did in World War II when Isoroku Yamamoto feared he had woken a sleeping giant, and yes … it happened again. The American people were not happy with the conditions they found themselves in and  searched for leadership — found it in Ronald Reagan. The climb back to greatness for our nation wasn’t as easy ronaldreaganheadshot_thumb[17]as it may look when reading a page or two in a history book, but there is no doubt that Reagan’s optimistic vision and confidence rekindled the greatness of our Democracy and the American people. It was a time to be proud of our country, its heritage, its benevolence around the world and yes in American Exceptionalism.

It is amazing when looking back on the Reagan decade and to remember certain things. It started the moment Reagan completed his inauguration speech as the 52 American hostages who held for 444 days were immediately released. Small and large business … and entrepreneurship expanded in the 80s and many new industries grew despite the difficult economy, inflation and high interest rates. Pride and confident soared as government moved out of the way of business, encouraging them to innovate and create new ways to do things. Computers became useful in everyday business … and even in the home. Pride in appearance gave retailers a boost as people wanted to drive a new cars, wear jackets, ties and dresses again. As interest rates fell and incomes rose, people bought homes and upgraded. Investing, saving and accountability for ones future seemed possible. Work was no longer something to “try and get out of” … but something to take pride in. And the military … it gained note of respect. It modernized, it upsized. The sky was no longer the limit … Reagan was talking about defending from  “space” with his controversial SDI – “StarWars program.” Even our arch enemy the Soviet Union recognized the rebound of the U.S. as a world power and knew it was foolish to challenge it or even attempt to keep up. The power of Democratic free market capitalism even convinced the USSR’s leader Mikhail Gorbachev to ponder some form of capitalism. He would be the last leader of the Soviet Union before the Communist Party of the Soviet Union until it dissolved in 1991.

During the late 1980s and through the early 2000s traditional values inched back from the liberal progressive drift the United States slid a couple decades previous. Flag, motherhood and apple pie made a comeback … and even Christianity and church participation had a revival of sorts. The events of 9/11/2001 even united those who disagreed with so much money being spent on the military. Fighting terror took time, costs lives and billions if not trillions of tax dollars; we grew war weary and discontented with the ongoing conflicts that seemed endless … and the economy was suffering as we all pretended the “house of cards” we were building would never collapse. It did in 2008 and voters shoved out the old and brought in a “new kind of leader.” The election sent liberal Democrats to the House, Senate and Whitehouse with the goal of “fundamentally transforming the United States of America(Barrack Obama).  And it was, and is still being done in 2015 … the pendulum swung to the left.

obamapose2

The recent “transformation” is putting in place as many progressive policies as possible. The Affordable Care Act is a “precursor” to what many on the left really would like to see in America … single payer health care.  Discontent and increase cost of the mandated “federal government approved insurance policies,” will only accelerate convincing the populace they need socialized medicine. We’re also seeing this “fundamental transformation” in our foreign policy too. No longer are we seeking “peace through strength” (Reagan) but we’re once again seeing history repeat (as the subject line hints) in removing troops and paring down our influence around the world. 1435410503_white-house--rainbow-scotus-gay-marriage_1Instead, progressives are wielding more power at home through the NSA, EPA, IRS and Justice Department who is selectively administering “social justice.” The left has little problem with a bigger government in order to dictate policies from Washington while they are in control. Their philosophy is a “we know best” top down approach to dictating how we live.

Progressives seem to disagree with our country’s Declaration of Independence and that we hold certain “truths self-evident” or that the Rights were endowed by our Creator.  The left show little respect for religion and in particular Christians holding to their Biblical view  on marriage and homosexuality. They have challenged the Bible, “the Laws of Nature and Nature’s God” and label a person intolerant or bigoted if defining marriage as the union between a man and a women … which in their religion was ordained by God (a protected First Amendment Right). To the non-believer, this may not be and issue … but to a Christian or those who believe the Bible gives instruction to live by … it is quite different. At any rate, the left celebrated another victory when the Supreme Court ruled 5-4 this past week in their decision that same-sex marriage is a nationwide right.

And the Lord God said, ‘It is not good that man should be alone; I will make him a helper comparable to him’ . . . And the Lord God caused a deep sleep to fall on Adam, and he slept; and He took one of his ribs, and closed up the flesh in its place. Then the rib which the Lord God had taken from man He made into a woman, and He brought her to the man. And Adam said: ‘This is now bone of my bones and flesh of my flesh; she shall be called Woman, because she was taken out of Man.’ Therefore a man shall leave his father and mother and be joined to his wife, and they shall become one flesh (Gen. 2:18, 21-24).

You shall not lie with a male as with a woman. It is an abomination. (NKJ, Leviticus 18:22)

The question to ponder now that gays are now permitted to marry in all 50 states is what happens when practice of  religion, protected under the First Amendment conflicts with the new ruling for homosexuals and gay marriage?  “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof…” What exactly does one do when their religious teaching and belief conflicts with new rulings from their conflicted Supreme Court?

Perhaps this weeks rulings (the Affordable Care Act and Gay Marriage) are bigger arguments for wiser people than me  … but I’m not the only thinking that the Supreme Court overstepped its role and has attempted to write law (the job of congress) rather than interpret.

Back to “History repeats”

pendula_aniThe pendulum continues to swing (even in my lifetime) as the country moves away from traditional values and our countries Biblical foundation. Many of the changes over the last couple hundred years, as our founding father’s designed, have been positive … and for that I’m thankful. Unfortunately there are times when “activists” gain control and wield their influence to “fundamentally change the United States” in rapid fashion … and that has me has me concerned due to the radical change (be it in either direction); why aren’t the safeguards working?

A final observation: The youth of the United States are use to instant gratification and are overwhelmingly are on the side of the recent changes — their influence is being heard and felt.  When I saw change in the 1960s and 70s, as liberalism sweep in social policies and an era of radical change, it took time. Even at that slow pace, we now recognize that Democrats with their liberal policies went too far and damaged the country and our stature in the world. The Republicans with conservative principles returned to power in the 1980s and restored what was lost. Will history repeat this again in 2016? Have the Democrats, controlled by the liberal progressive wing, pushed too far too fast?  Time will tell.

See Part One: History Repeats … 

History repeats – Part 1: This is how we know we are getting old

Posted By on June 27, 2015

Read ONLY if you don’t’ mind getting lost in the weeds. I felt bit lost in my own country after the Supreme Court decisions this week and am concerned for the future. As a Christian, I’m trying to looking past my own traditional value and faith-based Biblical beliefs which have long been part of our country and hoping that there will be positives that I currently don’t see. Perhaps reflecting on previous generations will help?

Part One

I remember watching my grandparent’s utter disgust as they watched the boomer generation coming of age in the 1960s and early 70s. DetroitFreePressRiots670724They were not unlike today’s “me” concerned with the changes they were seeing. In 1967 and ‘68 they feared the spread of racially charged firebombings in their neighborhood … during and after the Detriot riots. The rioters were discontented with the slow pace of peaceful change and charismatic leaders/groups convinced blacks to take a violent path; protests turn to burning homes and businesses … eerily similar to 2015 in Ferguson and Baltimore?

For me and many, the Martin Luther King Jr. nonviolent civil disobedience made a lasting impression that peaceful protesting will win over hearts and minds in a way that  force and violence can never accomplish (did the Black community lose than lesson?)

The anti-police movement in urban cities, the riots in Ferguson and Baltimore do more to further the divide and anger. The same for calling for the “forced” elimination of the Confederate flag; it only inflamed those from the south who see it as a symbol (both good and bad) of their history and pride. Most have put slavery, segregation and discrimination in the past and receiving yet another jab has them reviving their defenses. It may be counter productive?

This look back at history also has me wondering about my past and my grandparents … and parents; would they be seen at racist? From my recollection they didn’t seem to be racist “before” the riots and burning. They were for the most part accepting the peaceful change and integration (of course we were in the north, it could have been a more challenging situation below the Mason-Dixon Line).  After the riots, they were definitely less comfortable around the young black bereted “colored people” (their term of that day). As far as I know (around me) their race thoughts were kept private, but “having prejudice thoughts” wouldn’t really have surprised me since many immigrants of their generation already segregated themselves by nationality anyway.

wuo_logo1969What I really noticed (as I was getting older) was the disrespect many rebellious youths had for their elders (it went both ways, but the general expectation was to respect your elders – that was missing). The “long haired, grungy hippies” who protested our government in the unpopular Vietnam War were vocal and they were definitely disliked by my veteran grandfather (and veteran father) who had both been drafted and served. The only thing worse to them were the “communist cop haters” willing to kill and blow up “pigs” as this self proclaimed  “New Left” movement turned their protest violent (WUO). Besides the blatant activists, there were the more obvious but steady social changes disagreed with by grandparents and parents:  There was the  “free love” anti-marriage and woman’s liberation movement and all were counter to the modus operandi and values assumed sacred by the prior generation (again … not unlike today with open homosexuality and marriage approval). Slurry this 1960 counter-culture with the with the growing use of “dope” — as they called marijuana and drugs — and the future of our country looked bleak. We watched it played out every evening on the latest news delivery technology … the black and white picture tube (TV). This over saturation “for the time” reminds me of today’s computers, Internet, social networks and all our mobile devices oversaturation the news and opinions elevating the temperature until thing boil over). But it is what it is … we are the ones who need to adapt to the fire hose of information and opinion.

Part two on Sunday June 28, 2015.

The Supreme Court upholds Obamacare subsidies

Posted By on June 25, 2015

Most Americans, not covered under government healthcare programs, have been feeling the higher cost of healthcare since Obamacare as traditional policies give way to high deductible plans which cost them more than their previously “more” inclusive lower deductible plans – so much for “keeping your healthcare plan.” Commonsense dictates that restructuring so those who actually pay are now required to pay the subsidies for those who previously couldn’t afford healthcare will have to pay more. Free or subsidized “mandated” lunches aren’t really free.

Today the Supreme Court ruling came down on the language used to “pass the law” in 2010 which offered subsidies to states which established exchanges to be more inclusive than the initial “carrot on a stick” or “punitive” wording (intended to force states into compliance if the Obamacare architect Jonathan Grubber is to be believed).

rangeofexchanges_obamacare_

The court ruled in a 6-3 decision to uphold subsidies to all who purchase from Obamacare exchanges … including those run by the Federal government.

Chief Justice Roberts said the challengers raised strong arguments that snippets of the law’s wording supported their position, but he agreed with the Obama administration that the structure and context of the law supported its interpretation that insurance subsidies should be available nationwide.

The insurance subsidies “are necessary for the federal exchanges to function like their state exchange counterparts, and to avoid the type of calamitous result that Congress plainly meant to avoid,” he wrote.

The subsidies are a central element of the law, which aims to make it possible for low- and middle-income Americans to buy coverage if they don’t have access to health benefits through a job or government program such as Medicare. They are directly linked to other provisions in the law, including the requirements that most individuals buy coverage or pay a penalty, and that large employers offer health benefits or pay a penalty. The subsidies also are key to the workability of the law’s requirements for insurers to sell coverage to everyone regardless of their medical history.

The Internal Revenue Service issued regulations in 2012 implementing the subsidy provisions, saying the law meant for subsidies to be available in all states, not just in those that established their own exchanges. The Supreme Court’s ruling upheld the IRS rules.

WSJ LINK

Desultory - des-uhl-tawr-ee, -tohr-ee

  1. lacking in consistency, constancy, or visible order, disconnected; fitful: desultory conversation.
  2. digressing from or unconnected with the main subject; random: a desultory remark.
My Desultory Blog