LifeStyle Changes

NOTE: This was what I was thinking of writing before my previous post turned into another musings post.
Just got a raise, Its not big but in the high inflationary environment we are in coupled with the growing pains of adulthood I’ll take what I can.
I’ve been very vocal with my urging of friends to not change lifestyles after a pay raise and the like. I still remember last saturday when Rain and I somewhat ganged up on Jizelle for her “lifestyle changes”.
Well dishing out advice is one thing following it is totally different.
I got a pay raise and the first thing I did was splurge on food, 2 DVDs, a book , and a few trinkets. I think I have this feeling that I deserve to spend because I’ve felt I’ve deprived myself lately.
There is nothing wrong with this, almost everything in moderations is not wrong, somethings in excess is not wrong, it is the everything or somethings in excess all of the time that is the problem.
My way of handling this is incorporating things with my life in such a way as I barely think of these things.
Hmm another way of saying this is that we create rules of thumb and this helps us making quick decisions that are rational. The operative terms here are QUICK and RATIONAL.
Remember that most salesmen, people who want to take/borrow money from you, this ranges from events , experiences to things like cameras, computers, and others want to tap a less ratioanal more primal part of you. Just read the marketing guides of consumer goods companies and they essentially try to make you think that need and want are the same thing.  If we do not have good defenses against these things we end up getting suckered into trading our time for these things.
The thing is that we should always try to live by our own rules, not the expectations of society, not the lives other people want to live through us (I’m a little guilty of this counseling a friend to try for an Ivy League institution because this was a secret desire that may or may not come to fruition for me and at least ….. ). Our lifestyle must reflect this, this is why salary increases or decreases should not be the main determinant of our lifestyle. Personally I value simplicity and the life of the mind but that’s just my cup of coffee, If yours is the fast life of glitz and glamor then good for you.  Always try to simplify and integrate the life you want to live with the person you are. This reduces friction and increases happiness.
I still have a few thoughts on related subjects for another post:

  • Creating Rules Of Thumb
  • Basic Decision Making
  • Time For Money Trade
  • Dirty Secret of Working People

Learned Today 2008 09 02

Relics like lectures have to give way to the advances in cognitive sciences specifically, we must account for the fact that we know a whole lot more on how we learn (ok, not that much but enough). This means that we must have more interactive classes, more lab and less lectures. The sad thing is that I think that only a few people specially from my alma mater try to buck these relics of the past. I long for the day when instead of lectures we have coaches. If the academic programs can learn something from the sports programs its that coaches are also good teachers and its mainly due to how they teach.

from Brad Delong here, do read the whole thing:

Why Are We Here? (In a Big Lecture, That Is)

Why do we still have big lecture courses in universities? It is somewhat of a mystery…
The Pre-Gutenberg University:

  • Universities have their origins in the medieval need of the powerful to train theologians (for the church) and to train judges (for the emperor and the kings of France, England, Castile, and other kingdoms.
  • A manuscript hand-copied book back in 1000 cost roughly the same share of average annual income as $50,000 is today.
  • Hence if you have a “normal” college–eight semesters, four courses a semester–and demand that people buy and read one book a course, you are talking the equivalent of $1.6M in book outlay. Can’t be done.
  • Hence you assemble the hundred or so people who want to read Boethius’s The Consolation of Philosophy in a room, and have the professor read to them–hence lecture, lecturer, from the Latin lector, reader–while they frantically take notes because they are likely to never see a copy of that book again once they are out in the world administering justice in Wuerzburg or wherever…
  • rePost: ‘Man of mercy’ lost own life saving others

    We call them hero but let them fly in not air safe 50 year old planes (maybe more), knowing that the fleet is not safe but because of a lack of anything to replace them insisting they fly to their deaths. We must stop this We call them heroes but we let them die over and over again. They are not only heroes but martyrs Their politicians fly first class whilst their people fly to their graves. What to say, but Sorry For We Did Nothing.
    from Philstar here

    ‘Man of mercy’ lost own life saving others
    Thursday, August 28, 2008
    Air Force Maj. Manuel Zambrano was known as the “man of mercy” who flew food and medicine to typhoon victims in Eastern Samar and evacuated Filipinos from war-torn Iraq, and he died ferrying troops to the front in Mindanao.
    People trapped in floods in Borongan, Eastern Samar clapped their hands when Zambrano successfully landed a C-130 aircraft loaded with food and medicine on an unpaved airstrip five months ago.
    The 39-year-old seasoned military pilot also had to fly a C-130 thousands of kilometers into a war zone to rescue Filipino workers after the US invaded Iraq.
    Zambrano also ferried Filipino doctors to help typhoon victims in Myanmar.
    He flew medicine and a medical team to help tsunami victims in Yogyakarta, Indonesia.
    “He died so that others may live,” Air Force chief Lt. Gen. Pedrito Cadungog said.
    Last Monday, Zambrano was piloting a C-130 from Davao International Airport when it burst into flames and crashed shortly after takeoff.
    The military aircraft had just unloaded Army Scout Rangers from Fort Magsaysay in Nueva Ecija.
    Cadungog said while emerging from the aircraft in an airstrip in Borongan, Eastern Samar five months ago, he was moved to see people clapping their hands.

    rePost: Filipino teachers continue to fly to US for higher pay

    A recession bound USA offers probably more opportunities for enrichment than our small country the Philippines. Sad but there are tens of thousands of teachers from the Philippines without work. I remember a conversation I had with the Filipino Couple we had met on the hotel in Thailand a couple of years back. They had two house helps who graduated as Education Majors , or even the feature in a GMA documentary of a Domestic Helper working in Hong Kong who also graduated with a degree in education, or I could go on and on. The problem is not how many teachers our country has but that the best are leaving to educate the young ones of another country. A country that could at least pay them a higher percentage of what they really are worth. That’s modernday international trade for you. Welcome to the Philippines the No Exporter of Human Resources.

    Filipino teachers continue to fly to US for higher pay
    By Cynthia Balana
    Philippine Daily Inquirer
    First Posted 17:51:00 08/28/2008
    Most Read
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    MANILA, Philippines—More and more competent Filipino teachers are flocking to the United States where they are paid more, according to the Philippine Embassy in Washington.
    The embassy, in a statement, said that only last week, 93 Filipino teachers arrived in the US and were welcomed by Philippine Ambassador to Washington Willy Gaa.
    The new arrivals attended orientation seminars organized by the embassy where they were also given “practical advice” to ease their transition into a new teaching environment.
    The 93 teachers will be teaching special education classes, focusing on Mathematics, Science and English subjects in public schools in Prince George’s County in Maryland.
    Gaa said the new recruits followed a group of 115 teachers who were also welcomed by the embassy last July.
    The first batch of Filipino teachers moved to Maryland in 2005. As of the fall of 2006, 400 Filipino teachers were already in Baltimore City alone.

    rePost: SC studying expansion of ‘writ of amparo’–Chief Justice

    This does not bode well. Judging from the effect of the non decriminalization of squatting in creating a mass of people who are said to be professional squatters (which is just another form of extortion) It’s scary the that the Supreme Court is busying itself with things really beyond its grasp instead of dealing with the hundreds maybe thousands of cases needing a speedy resolution.
    from INQUIRER News here please do read the whole thing:

    SC studying expansion of ‘writ of amparo’–Chief Justice
    By Abigail Kwok, Tetch Torres
    INQUIRER.net
    First Posted 12:07:00 08/28/2008
    MANILA, Philippines – (UPDATE 2) The Supreme Court is studying the expansion of the powers of the writ of amparo to cover not only extrajudicial killings and enforced disappearances but also to protect the economic, social, and cultural rights of the poor, Chief Justice Reynato Puno said Thursday.
    Puno disclosed this in his speech at the “Kabuhayan, Karapatan, Katarungan,” a forum on Economic, Social, and Cultural Rights: Violations and Remedies at the College of Law of the University of the Philippines in Diliman, Quezon City.
    Puno said that in Latin American countries, the writ of amparo also covered other rights in order to protect the poor.
    “We are also studying the possibility of widening the coverage of the writ of amparo by providing protection to economic, social, and cultural rights, including protection against demolitions and bringing the judiciary closer to the poor,” Puno said in Filipino.

    Call Center Provincial Expansion and Unintended Consequences!

    (March 19, 2008)
    I’ve been recently going around call centers recently trying to polish my interview skills.
    Because of this I’ve been to a lot of websites, local sites and job fairs where call centers have booths.
    A welcome trend is emerging. The trend is the constant trickle of jobs to places outside of the Makati Central Business district, the Ortigas Area, Eastwood Libis Area, Alabang Area that probably comprises the center of the Philippines BPO/IT/Call Center Industry. New sites include (from memory not meant to be comprehensive) Angeles, San Fernando Pampanga, Baguio, Antipolo, Cebu as a region, Subic and Clark.
    I can think of reasons that necessitate this (okay I cheated, called some friends who worked in call centers mostly middle managers, not the decision makers but at least in the loop.)
    More Permanent Reasons

    • Lower Cost – Salary
    • Lower Cost – Rent
    • Local Government Subsidies

    Less Permanent Reasons

    • Lower Turnover
    • Smaller Number Of Competitors

    In the Philippines the minimum wage is set by the local regional wage boards. The wage boards consist of representative from the government,  business and the labor sector. In the Philippines NCR generally has the highest wages followed by neighboring Regions, then followed by Cebu , and Davao.  This pattern fluctuates depending on the economic health of a regions, although the NCR has the highest wages by at least 5 percent has been true since I started following the regional wages.
    This means that barring tremendous growth in economic activity and productivity the cost advantage of provincial call centers are here to stay. I was actually surprised when I found out that the starting salaries of call centers for the same position had around 40-50% difference. Yes I didn’t mistype, Provincial call centers are paying only half of what they are paying to their NCR agents. Another surprising thing is that even with this difference call center jobs in the province are considered high-paying, because anecdotally only the big companies offer salaries that are equal to the regional minimum wage.
    The lower turnover is mainly due to the lack of job mobility, there just isn’t any other to go to. One call center is largely the same as another and with the still small number of call centers outside of NCR and Metro Cebu lower turnover for considerable.
    The smaller number of competitors is mainly a function of competition. The best paying, best workplace call centers definitely get the best people to work with, which means that a lot of other call centers have to settle with whats left. Call centers that have provincial sites tend to  either pay lower or have less benefits.
    The need to reduce cost is mainly due to the overall weakness of the dollar. We must understand that most of these contracts were negotiated during the time when the Peso-Dollar exchange rate was around 55-1 whereas currently (updated as of August 25, 2008) the Peso-Dollar exchange rate is hovering around 45-46 pesos per dollar. For companies that have razor thin margins , the exchange rate is really devastating financially. Moving to places where costs are much lower becomes a necessity especially when it is hard to forecast where the US economy and the Dollar-Peso Exchange rate would be in the near future.
    All these factor combine to make provincial expansion a short to long term trend.
    Of course if the overall weakness in the US economy continues nobody knows definitively if it would cause a contraction or expansion of Philippine call center industry.
    The  influx of disposable cash is important because it is transformative in a way, through unintended consequences will be followed up in a different post.
    Some Ideas on what local government units or local groups could do to help this process will be followed up in a different post.
    Some problems this may possibly cause will be followed up in a different post.

    Ideal To Aspire To

    from the new yorker here

    Mikhail Gromov, the Russian geometer, said that he understood Perelman’s logic: “To do great work, you have to have a pure mind. You can think only about the mathematics. Everything else is human weakness. Accepting prizes is showing weakness.” Others might view Perelman’s refusal to accept a Fields as arrogant, Gromov said, but his principles are admirable. “The ideal scientist does science and cares about nothing else,” he said. “He wants to live this ideal. Now, I don’t think he really lives on this ideal plane. But he wants to.”

    Other Industry Heads Should Take This To Heart!

    Think that people should face up to the harsh realities that act as game changers. This is for Music Executives, Oil Company Heads, Newspaper Editors and the like. There are some things that

    “You have to attack the future before it attacks you,” said James Hankla, one of the visiting port officials.

    from here the Curious Capitalist Blog.

    Dealing with the Energy Crisis for a Smaller Country

    Based on the sound bites heard on the local media the Philippine Government’s plan on the energy crisis includes

    • getting guarantees from governments with a considerable oil production
    • lower taxes
    • begging oil companies to not raise price
    • considering 4 day work week
    • promotion of natural gas
    • promotion of bio fuels

    bio fuels and natural gas are plainly bad policy. It’s surprising that no tax is being proposed or at least considered. We have 1980 circa cars and engines plying the country’s streets and highway’s.  I cant seem to relate with the fact that buses and more noticeably jeepney’s are simply never retired. I could go on and on but I am getting worked up.
    I pray the leaders of my country read the nytimes at least the good parts;
    from this article:

    Unlike America, Denmark, which was so badly hammered by the 1973 Arab oil embargo that it banned all Sunday driving for a while, responded to that crisis in such a sustained, focused and systematic way that today it is energy independent. (And it didn’t happen by Danish politicians making their people stupid by telling them the solution was simply more offshore drilling.)

    PS:
    Many people are amazed that the US didn’t really do anything after the first oil shocks of the 1970’s
    Hmm ask the republicans??? No that’s unfair, ask the congress of those times.

    Repost: This Was Too Good Not To Share

    from brad delong here:

    More Alden Pyle Blogging…

    From Ron Suskind’s latest, The Way of the World http://g-ecx.images-amazon.com/images/G/01/books/harper-gms/Suskind-ChamberlinExcerpt.pdf:

    Wendy Chamberlin spends a day trying to redesign her website. The Middle East Institute has a large educational arm, where anyone off the street can learn the region’s languages or get cultural acclimation, and she‟s looking to expand those programs. Online is the way to go.
    On this late spring afternoon in 2008, after her assistant has left, she finds herself thinking about the big idea, the way to transmit to the world what she considers true American values—values, she feels, that have been twisted in this era by the plans and prerogatives of official power. Over the past months, she’s sketched out this idea or that, some combination of the Marshall Plan and the Peace Corps, but different—tailored, somehow, to what’s needed now.
    And today, like other days, she keeps coming back to the same moment, something that happened in 2005 that changed her.
    On that spring day almost exactly three years ago, her helicopter left at dawn from Khartoum, Sudan—the headquarters, in the mid-1990s, of Osama bin Laden—headed for an enormous refugee camp in Darfur, three hundred miles west.
    Chamberlin, then the acting UN High Commissioner for Refugees, had a meeting at the camp with UN officials and representatives of the Sudanese government. Such meetings were always tense. The situation in Darfur was worsening by the day—and it was the kind of crisis she was convinced the world would be seeing more of. The immediate cause was climate change, a rapid rise in temperatures that had turned northern Darfur, the western edge of Sudan that borders Chad, into a wasteland. Most of Sudan’s 40 million people were Arabic-speaking Africans, including northern Darfur’s African Arab tribes, who were forced by drought to migrate south with their cattle. They began to fight with non-Arab Africans in southern Darfur—a group that had long sought independence—in a conflict that rapidly escalated in 2003, when the Sudanese government began arming northern Darfur’s brutal Janjaweed militias. By 2004, as the slaughter—and the displacement of millions—was well under way, Colin Powell called it genocide, “a consistent and widespread pattern of atrocities.”
    A year later, Chamberlin arrived at an enormous tent city of fifteen thousand refugees. In the few hours before her meeting with government officials, she realized that the entire refugee camp was run by a twenty-seven-year-old American, a young man just four years out of college.
    Among the dizzying problems at hand was the matter of how women who had to leave the refugee camp to collect firewood were being raped and murdered by Janjaweed militants. The young man, who worked for an NGO, Refugees International, had negotiated a tenuous truce with the government so that representatives of the African Union—sort of a mini-UN, representing fifty-three African countries—could accompany the women.
    This one kid had to be the liaison to the government, which was hostile—they’d burned all the villages in this region, which had created the camp—while making sure all the food and water actually made it to the people.
    In the big tent at midday, the arguments about the attacks on the women raged between Sudanese officials, Chamberlin, and a representative from the UN Human Rights Commission stationed at the camp. The young man was silent.
    Afterward, he and Chamberlin stood outside in the 120-degree heat.
    “Why didn’t you say anything?” she asked.
    “If I say anything too strident to the Sudanese officials,” he explained, “they’ll just kick me out. They’ll declare me persona non grata, and then who will do what I do now?”
    “I realized,” Chamberlin recalls, “that the guy from the UN Human Rights Commission, who was fairly ineffectual, had his role: to wave his finger in the faces of the Sudanese about the women or delayed shipments of food and water. You needed someone with a diplomatic presence, who had some protection.
    “But it was the kid—this American kid—who was holding it all together.”
    Chamberlin remembers standing there, speechless, feeling, she says, the young man’s “vulnerability and responsibility. I asked him ‘How are you managing this?’”
    He didn‟t say anything for a minute, as though no one had ever asked him this.
    “I feel responsible for the lives of these people,” he said.
    Two years later, sitting in her Washington office, Chamberlin can hear his voice, and see him standing there.
    “I’ll bet every one of those fifteen thousand people knew that kid, who, without preaching to them or telling them what to do or how to be more like us, was their lifeline. And none of those people he managed to keep alive will ever forget that. They’d met an American.”
    Today, as she packs up her briefcase, Wendy Chamberlin—who, like so many other characters in this American drama, simply wants to feel the surge of moral energy again—has her program, her big idea.
    “I want to multiply that kid by a thousand, by ten thousand, and give him anything he needs.”