Wednesday, March 14, 2012

I assume you keep coming back because you have come to appreciate my out-of-the-box thinking. This evening I stood in the kitchen, mop in hand, on hold with the telephone banking people when I got to thinking about alternative financing arrangements. By alternative, I mean using something other than a major financial institution. I am also excluding from consideration the prospect of hitting your parents up for money.


Someone won the Nobel Peace Prize not too long ago with the idea of microfinance: providing small business loans to farmers (primarily women) in India. When I say small business loan, I mean, like $30 to buy a goat. The overhead on just processing these loans must outweigh the possible return, so there was no practical way for someone to procure a goat on credit without hitting up relatives for cash before microfinance came along. Incidentally, if you want to participate in this market, there are organizations into which you can invest money to provide these loans. But I'm not here to promote this sort of social justice. Someone's already been there, done that, got the Nobel Prize.

Do they have a tee-shirt for that, I wonder?

Anyways, there's still lots of room for improvement in the world of alternative finance. Take organized crime, for example. No, not those loan sharks. I'm talking about the kind that meet you in a pizzeria. Here's the thing: Who takes these loans out? The desperate. Why are they so desperate? Because things have been going really crap for them. The problem is, improvement is not likely on the horizon for these people. The penalty for defaulting on these loans is, I dunno, a lead pipe on the shins? That's what the movies have lead me to believe anyways. Sure, it makes reneging very unpalatable, but maybe for some of these desperate clients, it was out of their hands, and in any event, it's probably harder to get money out of someone in traction. Maybe some of these clients find themselves in a particularly low point in life because The Man keeps treating them like a door mat. Maybe their work supervisor has been withholding overtime pay. Maybe the phone company has been screwing them over. Whatever the case, maybe the client would be very happy to pay the usurious loan rate, if only they could get things turned around.

Maybe it's not the defaulting client who needs a visit from Rocco "The Hammer". Just imagine the potential of a fully mobilized mafia, out in the world and bettering society one thinly-veiled threat at a time. The mob gets that sleazebag manager straightened out so the client can afford to pay back his loan, you also make life better for all his co-workers who, perhaps by staying away from the racetrack, were just getting by. Thus, the economy improves overall. I call it the trickle-up theory.

In all seriousness, the trickle up theory is no more absurd than the trickle-down theory, based on another Nobel Prize winning idea some years back.

Nominations for next year's Nobel Prize (Peace or Economics: your choice) closed in February, but that gives us 11 full months to realize the dream!

Friday, March 9, 2012

Warning: if you believe in moral absolutism, please select another link from your bookmarks and click it. Yeah, that one there -- the one with the cats.

Still here? Okay, first, to forewarn you, I don't care what you believe in. I don't have a say in it, because I wasn't there. And, frankly, the thing about religion is that it's based on faith, and therefore no set of beliefs is any more justifiable than any others, objectively speaking.

Did you know you run the risk of an overachieving Mormon changing your beliefs behind your back? No, I'm not talking about Mitt Romney's election machine managing to win over so many Republican voters. At worst, that sort of hoodwinking will persuade just enough independent voters to wreck eight years of your life, and that's nothing compared to eternity. Apparently the Mormons have been running around baptising people in absentia. Dead people, even. This is, of course, an outrage to the millions of holocaust victims who had a date with the Patriarchs and found themselves instead talking with some guy named Peter, who naturally did not have a reservation under their names. That's awkward, and so the Mormons have agreed to stop. Or at least, stop making it so obvious.

This sort of thing isn't just a spiritual problem, either. Dungeon Masters have long have had to wrestle with the problem of what happens when Paladins from different pantheons fight each other. I mean, does their protection from evil aura still work?

The offensiveness of the proxy baptisms is obvious to me. What I don't get here is why it's a serious spiritual problem. Either these baptisms are done under divine authority, or they're not. If a Supreme Being is acknowledging the baptisms, then the baptised should be thankful they escaped eternal damnation. If not, then why are we concerned with the declarations of a bunch of crackpots in Utah? Furthermore:

But the practice offends members of many other religions, especially Jews, who have expressed outrage at attempts to alter the religion of Holocaust victims because they were killed based on their beliefs.

I'm skeptical of the efficacy of proxy baptisms on altering the beliefs of the living, let alone of the dead. If you know a Mormon, you go right ahead and send them whatever deets they need to baptise me. I assure you I won't be putting a Romney sign on my lawn in this lifetime. If metaphysical alteration of the soul was possible on someone's say-so, well, here, watch this, it's payback time:

Mitt Romney
Level 5/5/5 Succubus Aristocrat/Rogue/Arcane Trickster
Alignment: Lawful Evil
Religion: [see below]
Strength: 8
Dexterity: 10
Constitution: 10
Intelligence: 10
Wisdom: 9
Charisma: 15
Special Abilities: Mass Suggestion (1 x election season); Undetectable Alignment (at will)