Wednesday, May 18, 2016

The Cars of the Future?

In the future, cars may be all the same under the sheetmetal, but people will still personalize them for status reasons.

In C.M. Kornbluth's science fiction short story, The Marching Morons, he describes a future America dominated by incredibly stupid people.   The few smart folks remaining try to hold everything together by operating a secret shadow government and appearing as "assistants" to the nominally elected or promoted heads of State or companies. Given how the Bush administration (and the Trump administration) worked, he was very prescient.

He also describes how cars in the future will look and work. No doubt influenced by the gaudy be-finned and be-chromed monsters of the late 1950s, he describes cars that are flashy and showy and have a dashboard that looks like a jukebox.  And while they make an enormous amount of engine noise and while the speedometer shows the car going 150 miles an hour, in reality, it is barely going over 40 - for the protection of the idiotic occupants.

Again, Kornbluth is prescient.  People today have the worst sort of driving habits.  People text and drive, eat and drive, drink and drive and do everything, it seems, other than actually driving. And when they do actually drive their cars - watch out!  Something as simple as merging onto an expressway is a lost art today - people have no idea what "Yield" means and expect four lanes of heavy high-speed traffic to slow down, move over and "make room" for cars entering the highway - as if they had the right of way!

And sadly, if you talk to most people, they say this is how you are supposed to merge - just pull onto the Interstate doing 45 or so, and a big truck doing 70 is obligated to lock up his brakes to "let you in."  Once you are settled in, have your coffee opened, eat your hamburger, set the radio station, and catch up on your texts, you can then accelerate to highway speed - but of course, you never, ever use cruise control, right?   That's for driving in the desert or something.

Because of all of this, we have six, eight, or ten airbags in our cars. We have retractable seatbelts and lane drifting indicators.  We have blind spot monitors, adaptive cruise control, automatic braking, and a host of features designed to drive the car for you, so all you have to do is point and shoot. And of course, this technology is combining with other technologies to create the self-driving car, which may be a reality in 10 years or so - maybe sooner.

Electric cars are rapidly advancing. New battery technologies, hybrid drivetrains and whatnot mean that electric cars are no longer pie-in-the-sky ideas, but real products for sale in showrooms across the country. You can decry electric cars as a fad or whatever, but it is highly likely they will supplant or supplement most internal combustion engines within a decade or so as well.

Carmakers, of course, are faced with making the most complicated cars ever built. People decry modern cars as "too electronic" and pine for the days of their '65 Chevy and four-barrel Rochester carburetor and points ignition.  But those days are gone for good, and if you think cars today are complicated, wait until these self-driving cars come out. The number of sensors will be multiplied by a factor of five - not to mention the number of computer modules. And without expensive diagnostic equipment, the local shade-tree mechanic will be hard-pressed to do little more than change a tire - if he can even do that without mucking up the tire pressure sensors.

Since the cost of developing a new car "platform" is so high, carmakers are increasingly looking to share platform development costs.  Companies buy parts and engines and even complete cars from one another and have been doing so for a long time.  Fiat is selling Miatas now - and their 500 is based on the same platform as the Ford Ka.   BMW is doing a joint venture for the new Z5 with Toyota, who will built a new Supra on the same platform.  But the car will be made by neither company, instead being assembled by Magna Steyr in Austria.

And so on down the line.  Toyota and Subaru combine forces on a new sports car.    Particularly for low volume cars (like sports cars) it makes sense to join forces and reduce overhead costs.   Of course, this raises issues - aren't you competing with yourself?  Or if you agree not to compete, is there some sort of anti-trust issue here?  

The CEO of Fiat-Chrysler is still shopping the company around, after being turned down by both GM and Ford (Hint:  Honda has little or no presence in the SUV and big truck market, they might be willing to go in on a deal.   Everyone else already has trucks and SUVs - why would they want to merge?).   His  logic is compelling - the cost of platform development is staggering and there is far too much build capacity worldwide.   As cars continually improve, they become more and more standardized.

(UPDATE: Fiat-Chrysler merged with PSA who also bought all of GM's European assets.  Quality of Chrysler products has shot up from last place among American automakers, to first.  A quality Dodge - imagine that!  So it must have been a good merger!)

GM started this trend in the late 1960's.  Each division had its own engines - usually around the same size and horsepower. It made little sense.   They decided to standardize to three engines - the small block Chevy, offered in 305 and 350 CID displacements (and 400 sometimes) expanded with different carburation to a number of horsepower offerings, as well as the old 250 CID inline six.  By the 1980's, these offerings were narrowed further to the 305 and 350 small blocks, the 3.8 "corporate" V-6 and a smaller V-6 as well, as well as a couple of four-cylinders.

People got upset and sued GM, claiming they expected an "Oldsmobile" engine in an Oldsmobile.  But we know how that worked out - Oldsmobile is no more. The idea that you needed to many different lines of the same car was ludicrous With increased emissions, crash safety, and fuel economy requirements, certifying different engines and different cars became staggeringly expensive.

And with self-driving cars, these costs will become even more staggering.  No doubt such cars would have to be certified to a number of Federal safety requirements, and such certification will not be cheap.  So it will make sense to share platforms among a number of different car models and types.  And such platform sharing will make sense from a functional standpoint - in self-driving car traffic, it will be helpful if each car had similar driving characteristics - similar acceleration rates, similar braking abilities, similar handling. Particularly in automated highways - where blocks of self-driving cars might travel at 80 mph with only inches apart.

(UPDATE:  GM and Ford, once bitter rivals, have cooperated in the development of new 9- and 10-speed transmissions.  If you own a Chevy pickup, it has a Ford transmission in it.  If you own a Ford SUV, it has a Chevy transaxle.  The staggering cost of developing these complex transmissions was too much for either company, on its own.  Fascinating.)

So it goes without saying that the trend in recent years toward sharing of cars, engines, platforms, electronics will only accelerate over time  As more car companies combine or engage in platform sharing, cars will become more and more alike.   Self-driving cars may become as standardized as the transportation pods Woody Allen envisioned in "Sleeper".

Not only did Woody Allen predict self-driving pod cars, he also got the sound right.

Of course, electric cars are eerily silent, which annoys a lot of people for two reasons.  First, they can sneak up on you, which is disturbing if you are a pedestrian, doubly so if you are blind.  So many carmakers, such as Nissan, have artificial "sounds" piped through external speakers so people are aware of the car's presence.

Second, people want a car to sound like, well, a car.  They want a throaty roar of an engine that screams of dying hydrocarbons.  And as in Kornbluth's story, today many carmakers are resorting to fake sounds to enhance the driving (and riding) experience.  Volkswagen, Audi, Porsch, and BMW have been caught adding sound-making devices to their cars or piping engine sounds through the stereo system, as the sounds made by cars today are often disappointing.  EPA noise requirements mean that cars often sound like "a UPS truck" as one wag noted.   Even on my old BMW E36 cabrio, there was a sound valve in the muffler, so that engine noise would be attenuated at low speeds.

Cars of the future will be electronic and probably electrically driven.  And many folks may forego car ownership entirely and instead just call up an Uber self-driving taxi and take that where they want to go.  But a lot of folks will probably still own cars, for practical reasons as well as status reasons.  If you live 20 miles from town, waiting for a self-driving car to come to your home may be time consuming and costly (no doubt you would be expected to pay for the car having to travel far out of the mainstream).  It would be more convenient to have your own car so you could travel when you want to.

Other folks would prefer to have "their" car with a custom leather interior and all the appointments (no doubt including a refrigerator and bar, so they can snack and drink will cruising down the road.  And of course, what is the point in having a car of your own if it just looks like everyone else's?  You'd want styling that says "I spend money on this, you plebe in your self-driving Uber taxi!" and car makers would supply the market with unique and different styles - all on the same chassis or "platform" of course.

I could envision that folks would even want to have "vintage" or "retro" styled cars - much as they do today.   However, the Camaro of 2040 probably won't even have a steering wheel, much less a gas pedal or a shifter.  You'd just sit in it and enjoy the view, while turning up the "engine noise" knob so you could enjoy the "muscle car experience".

Oh brave new world....

Is this a good thing or a bad thing? It depends on your point of view.  If you enjoy downshifting through a corner and feeling the response of a car, it is a dystopian nightmare, of course.  If you are one of the tens of thousands of people who are potentially maimed, injured, or killed in auto accidents every year, it sounds like paradise.

I suspect there will still be "auto enthusiasts" in the future, but actual driving of a car will be limited to very rural roads or perhaps to track events.  The few die-hards who want to burn hydrocarbons will find it to be an expensive hobby.  Once demand for gasoline tapers off, the supply will be very short and prices will be sky-high - on the order of $20 a gallon or more (in today's dollars) if not more.  

Some would decry this as automotive heresy.   But it is the future, and while we can grumble about it, it isn't going to change just to suit our whims and tastes.  And it is a future that future generations will embrace. Already, it appears that the current generation of young folks are less enthusiastic about owning cars or owning performance cars.  And perhaps the somnambulistic feedback and handling of today's cars (which are faster and handle better than cars of the past, but feel more isolated than ever before) is part of the problem.

When cars are all basically the same, it will be hard to get excited over a car.

Requiem for a Good Doctor


It is hard to find a good doctor.  When you find one, hang on to them!

My doctor died yesterday of a sudden, undiagnosed condition.  Yes, death happens, even to doctors.   Things like brain embolisms, strokes, and congenative heart defects can escape the diagnosis of even the most talented of doctors.   Mark's Mother was a nurse, and yet she died at age 54 of a sudden heart attack, which is a tough thing for a 14-year-old to have to watch.

Dr. Doreen Kinney was one of the best doctors I had the privilege of being treated by.   She was incredibly smart and was able to diagnose patients almost the moment you walked into the examination room.    She never promoted expensive "brand name" medicines or expensive procedures, when less expensive alternatives were available and more effective.  She was sweet, she was decent, she cared about her patients, and she gave effective treatment.  No higher praise for a doctor can be had.

I will miss hearing her say, "I'm gonna listen at your heart now".

Sadly, finding a good doctor these days is hard to do.   Politicians like to blather on about "bad doctors" and there are really very few "bad" doctors out there, in terms of people who have no idea what they are doing or mis-diagnosing patients.   Rather, there are a lot of doctors out there who are in the practice to make a lot of money as their primary goal.   And those sort of doctors are not "bad" but they should be avoided.

I mentioned before the dentist I visited who suggested $10,000 worth of oral surgery including having my jaw broken and reset, as well as whitening treatments.   When I expressed that I thought that was a lot of money, she said that insurance would cover it.   When I explained that (like most people) I had no dental insurance, she said, "Oh, well, then you really don't need those procedures, anyway."   The need for treatment, in her office, was based on the availability of insurance money to pay.   I changed dentists.

Similarly, there are doctors who prescribe brand-name prescription medicines because the pharmaceutical rep told them that if they write so many 'scripts, they will get a free vacation business trip to a seminar in the Cayman Islands.   So they write the prescriptions, whether you need the medication or not, and you don't get well, but they (and the pharmaceutical companies) make a lot of money.

Worse yet are the doctors who write prescriptions for opioids at the drop of a hat.  Mark went to a back specialist for back pain and the first thing the doctor asked was whether he wanted oxycontin.   We later found out he advertised on a billboard as "Dr. Painfree" or some such nonsense, and his waiting room was full of very young, healthy-looking people who apparently were all in chronic pain.

Similarly, we have an explosion of "sports injury specialists" in our area, because you know, all the folks round these parts are so athletic.   I am being sarcastic, of course.  The most exercise people here get is walking to the all-you-can-eat buffet.

Still other doctors - like my former dentist - like to suggest unnecessary procedures, particularly if insurance will pay.  One reason health insurance is so expensive (and the same reason college is so expensive) is that the government or insurance companies or "someone else" is paying the bill, so there is no incentive to think carefully about costs or the necessity of treatment.   Once you are on medicare, it is amazing how many medical procedures you suddenly need.

(We also had a good Doctor in New York who was a vegan, if you can believe that.   He had a sign in his waiting room telling the pharmaceutical reps not to leave their pens and "gimmies" laying around as he felt it was a conflict of interest to even accept a notepad with the name of some drug on it.   An acquaintance of ours who was a pharmaceutical rep (who was also a drug addict - an occupational hazard when you drive around with a trunk-load of drug samples) said he was "no fun" as he didn't want to "play the game" the way it was supposed to be played.)

Dr. Kinney was a good old-fashioned General Practitioner who could diagnose the bulk of the woes that the body is prone to - and get it right the first time.   She followed the Hippocratic Oath, Primum non nocere which is a Latin phrase that means "first, do no harm."   She was one of a vanishing breed of Doctors.

And it sounds selfish, but not only do I miss her and feel bad for her friends, family and staff, but I worry how I will ever be able to find a replacement for her.  Because let's face it, the new breed of doctors out there today are something entirely different.   Since we have regulated the profession and made it as unattractive as possible, a doctor today has to play games to make ends meet and pay off their student loans.    While it is easy to blame the doctors for the current state of Medicine, we have created a system where young interns are graduating with mounds of debt and promises of riches.   So it is no surprise when they tend to seek them out.

So with the death of Dr. Kinney, we are seeing the death of an era of medical practice.   The old days when a GP could set up shop, heal people, and make a good living and drive a new Buick every few years, are gone at last.

R.I.P.  Dr. Kinney - you will be missed!

Tuesday, May 17, 2016

Filtering Effects

"Special Offers!" in the mail are not special nor are they offers.  They are just advertising brochures.


Not a day goes by when I don't get some piece of mail saying I have been given a special offer.  Or I get a faked-up check that is actually a coupon for a discount on a home alarm system, roadside assistance, or whatever.  More disturbing are envelopes that say, "Important Information - Do Not Discard!" which of course, have no important information and should be discarded.

I get phone calls all the time - although lately I don't bother answering the phone unless it is a number I know.   A carpet-cleaning service in Maryland wants to clean the carpets in my home! (That would be a long drive for them!).   Suzie from "Card Services" has important information about my credit cards!  And yesterday, I get not one, but three calls from a "Manhatten" phone number saying that the IRS is going to take me to court and the Sheriff is on his way right now to arrest me!

And if you have e-mail, you get a regular retinue of pleas and messages from Nigerian Princes with special offers for "the sum of USD$1,000,000!" if you contact them right away.  Or "your bank" is going to "freeze your account" unless you respond to an e-mail with your account number and password.   And so on and so forth.

These are, of course, all scams, and to most people, obvious scams.  We wonder why they bother sending out these mailings, making these robo-calls, sending the SPAM e-mails.   If you are going to do this sort of thing, why not take a little time to make it more legitimate looking?   If you are going to send "special offers" in the mail, why make them look like such obvious carnival come-ons?   If you are going to robo-call, at least make your pitch plausible.   If you are going to e-mail SPAM, at least get your spelling and grammar correct and make it look legit, right?

Well, it turns out, there is a method to this madness.   Nigerian scammers perhaps stumbled upon it by accident.  The only people who respond to their poorly worded e-mails and obvious come-ons are people who are not very smart themselves and moreover, raging true-believers in the something-for-nothing mentality.   Skeptical folks don't respond, which is good for the scammer, as if they get a skeptical person, he is just wasting their time.  The skeptical guy will ask for more information and then tell the Nigerian scammer to piss off.   That's valuable hours wasted when you could be grooming a real schmuck for the con.

But this filtering effect doesn't just apply to Nigerian e-mail scams.   Take the loud full-page ad in the newspaper with the come-on prices and "sales" for cars.   Or the local dealer who mails me a "key to my new car!" - All I have to do is come down to the dealer and see if it fits.   Of course, it is a fake key, and they want me to enter a contest that the dealer's nephew "wins".   But if I am dumb enough to shop for a car this way, well, they know they can snooker me on the price.

Which is why just wandering into a car showroom is one of the worst ways to buy a car.   The salesman will presume you are unprepared, did no research, and are an impulse-buying schmuck.   You will not be offered a better price.   If you research online and then call around, get a price and make an appointment, then they know you already have an idea of what is a reasonable price, you've done the research, and indeed, they have quoted you a price already, so there is no finagling later on.

The same is true for mailings.   If you respond to a promotional mailing, the merchant already knows what kind of person you are - one convinced that offers, promotions, coupons, and "sales" are the way to get ahead in life.    So you get the runaround because they know you are a true-believer in the "deal" and they can actually get you to pay more and walk away convinced you paid less.

The telephone solicitor things works the same way.  If you respond to these pitches, they know you are a schmuck.   But they also know the minute you start asking intelligent questions, you are a waste of time and will hang up.   For example, the "IRS audit" people will hang up on you the moment you say anything that questions their veracity.   They are not going to stay on the line and try to convince you they are legit - there is little profit in it.  They hang up and move on to the next schmuck who will eagerly wire them money out of fear that they are going to jail.

These are very effective filters to use.   In a nation of 330 million people, you want to sieve out the gold nuggets - the total buffoons who have no idea of how to handle money, who live in fear half the time and are greedy the other half.   Once you have narrowed down the field, the pickins' as they say, are easy.

In the sales business, they used to call these "leads" and I mention this before.   Leads are people who respond to surveys or phone calls or advertisements.  These are folks who are inclined to bite on your sales pitch when you make it.   Why bother making cold calls or pitching to people who are skeptical?

This is not to say that salesmanship is inherently crooked.  Without salesmen, perhaps half the goods sold in America would remain unsold.  But salemanship seems to have changed over the years.  The come-on and the scheme seem to predominate in today's market, and no one seems to be interested in just making a regular sale to a customer willing and able to consummate a transaction.

Who is to blame for this?   "Evil Corporate America?"  Maybe.  Evil salesmen and retailers?   Maybe too.   But maybe the bulk of the blame rests on the American consumer, who continually bites on shitty deals and tells you that shit tastes good.   Because if a large enough segment of the market buys overpriced crap, then the market becomes dominated by overpriced crap.

The next time you get an annoying robo-call, or a piece of SPAM e-mail, or some junk mail flyer, bear in mind that you have your fellow citizens to thank for the proliferation of thus stuff.   So long as some lunkhead falls for this stuff, it will continue to go on.



Friday, May 13, 2016

Bernie's House


This is the house that some describe as a "small modest colonial"

In my last posting I was analyzing Bernie's finances, which is hard to do based on a single year of tax returns.  Funny thing, but this guy who wants to make our government more transparent is very opaque when it comes to his own income - most other candidates have released two, three, four or more years of tax returns (in the case of Hillary, nearly all of them!).  What is Bernie hiding?

Property tax records and deeds are a matter of public record, of course, and you can find this data online.  Finding his house address online so I could spelunk the database was kind of hard.   But after some sleuthing, I was able to find his home address and tax records.   The Bill Maher site had a photo of Bernie's house, and this site, had a map with the house which gave a street but no address.   Fortunately there is a "fantasy football" company on the same street, which gives an address number, and from that, we can find the range of house numbers.

Zillow provides a list of home prices on the street, but when I click on Bernie's house, they offer no opinion as to its value (they have no trouble doing this with my house!).

The assessors office lists the property under the name of "not available" - obviously the secret service has been at work - good job boys!  It took repeated attempts at a number of sites to find his property tax data, but I was able to find it.  But I am not interested in knocking on his door (God forbid, he would physically attack me as an evil 1%'er even though his income is about 5 times mine).

According to the tax records, the poor bastard bought the house in 2009 for $405,000.

Parcel ID029-3-008-000Address
Owner(s)NOT AVAILABLE

SPAN Number114-035-12991Land UseSingle Family
Mailing Address,

Current Assessed Values
Total Value$321,900Building Value$231,000Land Value$90,900Yard Items$0

Current Property Taxes
Total Property Taxes$7,889.12HS-131YesPct Business
Pct Rental
(Tax information updated: 7/7/2015 9:30:22 AM)

Most Recent Sales Information
Grantor Sale Date Sale Price Book & Page
DRISCOLL, LIZA K 5/13/2009 $405,000 1067-697
OCONNOR,MANON L 9/28/2005 $361,000 935-6
OCONNOR MANON L 10/19/1993 $170,000 492-715

Property Details
GradeAVERAGE PLUSHeat TypeHOT WATERHeat FuelOIL
Acres0.6166Gross Area4,280Finished Area2,352
Building TypeCOLONIALYear Built1981Units1
Rooms8Bedrooms4Baths (Full/Half)2 / 1
ZoningRL FoundationCB Depreciation11.80 %

Sketched Areas
\2000\991001.png
Card # Area Description
Gross Area
Finish Area
1 BMT BASEMENT 1,176 0
1 FFL 1ST FLOOR 1,176 1,176
1 GARA GARAGE ATTCH 624 0
1 OSP SCRN PORCH 128 0
1 SFL 2ND FLOOR 1,176 1,176
Additional unsketched basement finished area
Card # Area Finish Type
Alt. Pct.
No unsketched areas listed
When I try to find the value of his home on Zillow, it says "address not found" for every house on the street.


 Even if we go by assessed value of $321,900 he is underwater. A nearby home on the same block is for sale for $289,900 - although that appears to be a duplex.

It is hard to say what Bernie's house is worth.  If he bought in May of 2009, he bought at the low point in the market - months after Obama was inaugurated and the market had crashed.  Was he really that dumb to buy a house for well over market value after the market had crashed?  This is what is troubling. 

One thing that is puzzling is that his property taxes are shown as $7,889.12 while he claims over $14,000 in property taxes on his tax return.   It appears he has a rental property, but the property taxes for that should be shown on a Schedule C, not as personal property tax deductions.  I found out later he has a condo in DC, which probably accounts for the balance of the property taxes.   He certainly lives in some high-tax areas, to be sure.  Nice thing about Socialist States, they do tax you to death. But Bernie is angry at Bankers and not at himself, of course.

It may be that my data is all wrong and I have the wrong house or wrong address (UPDATE:  The deed records seem to indicate otherwise, however).   But I think the "not available" moniker on the listing is an indication it is the right house, because if you search on the last name "Sanders" nothing comes up, and he clearly lives in Burlington and the photo of the house is the same as the one shown on television

A search of the deed records of Burlington, Vermont is interesting - it turns up a number of records in the name of him and his wife.  It appears they own or have owned a number of properties in Burlington through the 1980s and 1990's.  The current house was bought in 2009 as the tax records indicate.  He also appears to own a rental property in Burlington.   Old Socialist Bernie is also an evil landlord exploiting the working class!  Well, he does seem to take in $4500 a year on the property, about what I make on mine, in a good year.   So maybe we're both evil, or not. 

The weird thing is they show a "discharge" of a mortgage on their current house in 2013 to MERS which is a loan servicer.  Since he is claiming $22,000 in mortgage interest in 2014, I can only assume he refinanced his house and that may explain how he paid off the $25,000 to $65,000 in credit card debt reported by other sources. If this is true, this is not a very astute thing to do.  What is even more troubling is that he is reporting $22,000 in mortgage interest.

I am trying to use my mortgage interest calculator but I cannot get it up that high, even if I assume the total debt is $400,000 at 5%.  Is he using sub-prime lending?  Or is he lumping his rental property payments in with his home payments (which is improper, rental income property interest should be reported on Schedule C, which is what I do!). It leaves me with more questions than answers. Of course, I did a little more research and it appears that Bernie also owns a Condo in DC which is also mortgaged for $50,000 to $100,000.

What is interesting about Sanders' disclosures is that they are so skimpy in details.  One year of tax returns, and a financial form which includes only ranges we can estimate from.   Even assuming he has a $100,000 mortgage on the DC condo, the $22,000 in interest is still hard to fathom.   This guy is mortgaged to the hilt. 

But I think I found out why Bernie is angry.  He over-paid for a house that is strangling him with tax bills and interest payments, and since he is "upside-down" on the house, he is house poor, even with a six-figure income. And this has to be someone else's fault, right?   Those nasty bankers!  Loaning him all that money!  He'll fix them!

UPDATE Check out this article about the Burlington College Real Estate Deal

The Sanders' are not very astute about Real Estate! 

UPDATE: The college is now closed, a victim of the crushing debt imposed by Mrs. Sanders, as well as the problems I have noted before about small liberal arts colleges.

Comparing Yourself to Others - Part II

"Thou shall not covet they neighbor's ass..." (10 Commandments)

In my last posting I raised the question of whether income inequality is such a big thing after all, and whether we should determine our prosperity on a personal or national level based on what other people are making or doing.

I talked about this before in another posting.   In the book of Exodus, Moses brings down the ten commandments, and the last one is a doozey.  It is also one of the most misinterpreted commandments, as it has little to do, on the surface, with things like honoring your Mother and Father, not killing or stealing and, well, serious stuff like that:

Thou shalt not covet thy neighbour's house, thou shalt not covet thy neighbour's wife, nor his manservant, nor his maidservant, nor his ox, nor his ass, nor any thing that is thy neighbour's. (Exodus 20:17)

Why would this even be a commandment?   Was it like one of those CNN "list" articles where they needed to round it out to ten things, even if the last one was kind of, well...lame?

Well, frankly, I think it is one of the better commandments, as it actually offers advice for living rather than just a list of things you shouldn't do.   And let's face it, the rest of the list has a whole host of exceptions to the rule.   Thou shall not kill....unless in self-defense, defense of others, or because the person you are killing is a heathen, or someone who broke one of those other rules that the Bible is full of.   For example, Leviticus impels us to kill our children if they talk back to us.    I know many a parent has been tempted, of course.   But it illustrates how weak the "thou shall not kill" proscription is.

But this last commandment doesn't have many exceptions in the Bible.   There is no get-out-of-jail-free card for coveting.   And the reason why is, the only person you are harming when you covet is yourself, and not your neighbor or society in general (although the latter to some extent, if you sit around and act the sad sack all day long).

So what is coveting, anyway?   As I noted in my other post on this issue, I was mystified by this commandment throughout Sunday school until I realized that what they were getting at was that comparing your life to others is a false comparison and one sure to make you depressed and unhappy.   The 10th commandment is all about materialism and how we tend to be unhappy when we think others have better things that us, even when we have great things ourselves.

And go down the list of "stuff" God is talking about here - your neighbor's house for example.   The house with the three-car garage and the granite countertops and the sun nook.   Nice house.  Nicer than the shithole hovel you live in, right?   But your house looks only crappy in comparison.   On a worldwide scale, you live in a palace.   In fact, you probably have a pretty nifty place to live, if you look at it in the abstract and stop comparing it to someone else's crib.

What's the second thing - the wife.   Yea, Donald has a hottie wife, and you wish your wife was a supermodel, too, right?   With big titties and a facelift and a nice "shelf" butt.  Is that what you really want out of life?  Appearances?   Or would you rather have a lifetime of love and living and a Mother to your children?   Is being on Wife #3 better than what you have?   Probably not.

The manservant and maidservant thing is probably outdated today.   Back in the day, you had slaves to do all your shit for you.  Today we have home appliances.   So this comparison is relevant today.   Covet not they neighbor's $3000 stainless-steel refrigerator, nor his front-loading $1500 washing machine.   The old Norge in your kitchen still makes cold, and your GE toploader gets your clothes clean.   Leave it at that - you are a lucky guy.

The last two items seem somewhat irrelevant today, until you realize what they meant to people back then.  Oxen were the 4x4 trucks of their day, and the ass was how you got into town.   So translated into modern speak, the tenth commandment is saying not to covey they neighbor's monster trunk, nor his new Lexus.   Yes, you have an old mini-pickup and a Hyundai.   Maybe not as nice as his junk, but still nice.   Comparing yourself to them will just make you feel miserable.   So just don't do it.

God won't be mad at you if you violate the 10th commandment, but you will be depressed and angry with yourself.  The 10th commandment is just good solid advice not some proscription against eating clams or violating the sanctity of the temple or whatnot.  Finally, some Bible verse that is also good advice.    I mean, we have the pork and shellfish thing kind of fixed now, but thanks Leviticus for the warning anyway.

But what about the flip side of the 10th commandment?   Does it make you feel any better to look at your neighbor's crappy house, ugly wife, shitty appliances, and clapped-out cars and think to yourself, "Gee, I'm doing a lot better than that schmuck!"?    Well, no, it doesn't.   It just leaves you feeling hollow inside, really.   Lording over the misfortunes of others and using that as a means of pumping yourself up is also a recipe for depression and sadness.  Again, the 10th commandment is offering sage advice here, not a proscription against Lord-offending activities. 

This also has a third application, and that is in the sour grapes department.   A lot of people like to run-down even nice or fancy things as being gauche or flawed in some way.   Again, people do this to make themselves feel better about themselves, but it usually just makes them feel worse.  For example, the neighbor down the street builds a fancy house, the envy of the neighborhood.   Neighbors will say, behind their backs, that the house is gaudy and overwrought and not really that well built.   And we all do this to some extent, to convince ourselves that we really don't want the thing we can't have anyway.   Who wants a Ferrarri?  No trunk space in that car, nosiree!

Again, this sort of thinking doesn't make us happier, but down inside, sadder.   And yes, we all do it to some extent, you and me.   Being happy in life is learning to not do this, or at least try to avoid it, or at least realize we are doing it at the time.

When you get right down to it, there will always be someone with nicer shit that yours - or worse.   You will never have the nicest house, the hottest wife, the killer kitchen, or the fanciest cars, no matter what level you spend at, someone will outspend you.

And that brings this entire discussion back to finances.   One big problem in this country is that people outspend each other in an effort to try to compete with with their neighbors - or even strangers.   We spend more on status items and get nothing for it, other than debt.   Maybe this is what the 10th commandment was getting at.

Stop comparing your life to others'.  It is a dead-end.