Thursday, June 2, 2016

Payday Loans

I read an article this am about how PayDay loans were now going to have to adhere to lower interest rates. One of the arguments for these new regulations is that the industry was making great profits at the expense of those unfortunate people who aren’t “making ends meet.”

If this were such a profitable business, I wonder why new companies don’t come in and offer the same services at a lower rate. I suspect they don’t because it isn’t such a great business. Many of these loans are never paid.

I had a student once who had a choice of a “like new” camera at $100 at the Click Shop, or a $250 camera at Best Buy with a high interest rate credit card. He bought the $250 camera, which probably cost him $350 if it was ever paid for completely.

Fortunately I’ve never been in that situation. It is unfortunate to have to be there. Yet what is the solution? What was solved with the regulation?

The Payday loan industry claims that where the average store would have a yearly profit of $37,000 now they will have a loss of $28,000. So the regulation worked against the industry. Perhaps there will be no more Payday loan stores. What this means is that more cars will be repossessed and more people will not be able to pay rent.

I think this may be one of those situations where we were correct in identifying a problem but not correct in identifying a solution. I suspect that few will benefit from this regulation and many will suffer, from the industry to the individuals.

What are the solutions?
Education, for one. Many adults, including some with a college degree, can’t figure out how much 17% of $250 is.  
Education too on how to live on a limited budget.
And a host of other initiatives are possible. The obvious one might not be the right one.
4. Obama administration unveiling new rules on payday loans
The Obama administration is expected on Thursday to unveil federal rules to extend federal oversight to the $38.5 billion payday lending industry. The rules proposed by the Consumer Financial Protection Bureau would require lenders to assess a borrower’s ability to repay, and discourage rolling over loans, which can pile up lending fees. Lenders say the new rules, now opening up for public comment, would gut the industry. Consumer advocates say the rules are necessary to protect borrowers who can be ruined by loans with effective interest rates that can exceed 390 percent. —From This Week, a online (and paper) news service.

Sunday, May 22, 2016

Big Stories

I've been thinking about big stories.

Putting on the market a 1895 house that my wife's family has lived in for 68 years is a big story, yet, as we went through every piece of paper that had come to the house in those years, we kept getting caught in the little stories.

Just as the old man with the gray beard listens to a bird, I try to listen too. My car won't start. What are my options? How do I go from the exasperation of the moment to seeing how fortunate I am to have a car at all. And so I have to walk. At first I complain because I paid someone to fix my car, but then I realize that birds are singing as I walk.

Why is it so hard to step back? How much wisdom that man must have had to listen to the bird. He could be complaining about his fading memory or his aching body. But no, it is the bird that catches his attention.

There is a dark cloud above him. Is this telling us that something bad is going to happen to the man? And his hearing might be going, which is why the horn is placed on his ear like a hearing aid.

My sister-in-law asked me what my big story was in five words. I said something about wanting to connect different belief systems. She said I used too many words.

These simple joys, like listening to a bird's song, take us away from our miseries. The big story... It is not the story with consequences. It goes beyond time, place and circumstance. There is so much petty stuff that the man could be obsessing about. How will he divide up her property when he dies? Did he pay his bills? Does he have food for dinner?

Yet he chooses a little joy. The bird's song takes him to another place. Like the bird, he is just focusing on a song. He is liberated from his car not starting, his life ending, his kids fighting over his property. The bird sings a big story. If only I could hear it.

Tuesday, April 19, 2016

Involuntary Transgressions: Lifting up the Chair

In the Torah, Aaron puts his hands on the goat to rid the Israelites of their sins and their involuntary transgressions. I understood how sin was something that should be removed, but why should I worry about involuntary transgressions? Am I responsible for what I didn’t intend to do? Of course not.

Something nagged me to learn more. I listened to part of a talk by a Hassidic rabbi about involuntary transgressions. It seemed like a silly topic… but still, something was calling me to learn more.

I wasn’t paying much attention to the beginning of the talk… I did hear him mumbling about the problem of moving a bench. He spoke a little about the various ways we can move a bench. Then he asked, “Suppose the bench weighs 200 pounds. What then? If you aren’t careful you will leave a trough.” I didn’t connect this to involuntary transgressions. I just assumed that he was talking about something else… and he’d get to the matter at hand.

Later that evening, our Zen teacher was scolding us about how we were moving the chairs, as another Zen teacher had scolded me months ago. I should have known better, living with someone who practices Japanese tea ceremony. But as I heard the scolding, I thought of the rabbi moving a bench. Our focus might be on getting the bench from point A to point B. But in doing so, there might be collateral damage, so to speak.

Back to the lecture. The rabbi apologetically gave the too graphic example of a father whose daughter tells him that she’d like to play with a chicken’s head. So the loving father cuts off the head for his daughter. He should have known that the chicken would die a needless death, but he overlooked that with the job at hand: pleasing his daughter. If we had confronted him on his seemingly benevolent act, he’d be quick to respond that he was just expressing his love for his daughter by fulfilling her desire for a toy.

The scapegoat, so to speak, was his intention. It reminded me of the saying that we judge ourselves by our intentions, and others by their actions. Certainly it is not a fair game. And I can see how one can muster up a great deal of anger from not understanding how someone might criticize us for killing the chicken, even when we just wanted to express love.

My mind thought back to when my dad, acting out of the best of intentions, disappointed me. He was a good lawyer, and as such, could find convincing excuses for whatever he had done. He also had been on the University of Chicago debate team, and could take any side of a discussion at ease. He even could do this on his death bed, while taking morphine for great pain from pancreatic cancer. But that’s another story.

I had a sick goldfish. Well, it actually had been torn into pieces by our neighbor’s cat and was floating on the surface of our pond. It was a sorry sigh and I was devastated. I insisted to my parents that we go to the pet store and get some pills. We did, and put the pills in the pond. The next day, the goldfish was happily swimming in the pond. I’m not sure if I saw the original goldfish later that day in the garbage can, or if that's something I’m just imagining… but the image is just as real. In fact, I killed a goldfish a few years later so I could watch it die. But that’s still another story.

I was very disappointed in my dad for lying to me because he didn’t want me to be sad. My parents believed that “life was for the living” and we had no time for death. Was it skillful means? Or was this an opportunity for me to learn about death, a subject painful for him having lost his father at an early age? He never saw that he had done anything wrong. Perhaps, as in the classic Buddhist story, I was in a burning house unwilling to stop playing with my toys and my father lied because it was the only way he could get me out of his house. I do know how I felt: deceived.

A few years later, I was playing with some kids and Rodney Banks (I hope he finds this so I can tell him how sorry I am) wanted to play with us. He was younger, and we didn’t want to play with him. He wouldn’t leave us alone, so I started throwing pebbles at his. One hit him just below the eye. I found out later that day, after he had gone to the hospital, that he could have lost his eye sight in one eye. In the meantime, my friends and I went to my room and made a list of 20 reasons why it was ok that I have thrown a rock at him. We were innocent, we concluded.

That was the first of 100s of 1000s of involuntary transgressions that I have done. All were very defensible (I am my father’s son), and all wrong.

In the shower this morning, I thought about how, in a Zen reading group last night, I was once again criticized for believing that Zen could end suffering. We laughed at various zen sayings. The one I’ve heard in the past is that “Zen is good for nothing.” So why in the world would you do something (that isn’t easy) for no reason whatsoever? I tried to see if there was a connection between believing there would be some gain to Zen practice, and, to up the ante, to connect this to why my friend was so mad when I suggested the other day that life is a game.

As the warm water was making my sore shoulder feel better, something started to come together. First, the rhyming words gain and game are friends. They go together. There is an end in sight, and the strategy is to get a result in the end. It reminded me of a Zen saying about how could we walk the path if one eye was on the destination. Being present means having both eyes on the path.

So what does this have to do with involuntary transgressions? The man who cut off the chicken’s head without realizing he was killing the chicken had one eye on the goal: pleasing his daughter. My dad pleased me by switching the goldfish, and also excused himself from having to explain death to his son. Saul Alinsky asked, “If the end doesn’t justify the means, what does?” Justify is another word for pleading innocent for an involuntary transgression.

Rather than thinking that I really don’t need to pay attention to my involuntary transgressions, I realized that most of the harm that I cause is the result of these actions. The voluntary transgressions are not so frequent. What impacts the world, and what comes back to haunt me, is all those things that I “innocently” do or don’t do that have a negative effect. I can defend them all, as my father taught me so well. Or I can “watch my step,” as the saying goes, lifting up the chair to move it.

Thursday, April 14, 2016

Boo circles! Yea mists!

Here’s what I don’t like about circles. I’m either in or out. If I’m in, I can’t get out. And if I’m out, I can’t get in. Either way, I am restricted. Even when we set chairs in a circle we need to leave an opening.

I like circles better than other geometric shapes. They all have their problems. I like cars that look like square boxes. The boxier the better.

The other problem with circles is that they roll down hills. They don’t sit anywhere.  They just lay down. Our world, as angular as it is, isn’t very friendly towards circles.

Did you know that the lenses on a camera sees circles? But since art is rectangles for the most part, what you get when you take a picture is either a landscape or a portrait, all cut by your helpful camera from a circle.

There is talk of a new camera that would give you only circles. And then, if you need to cow down to rectangle loving people, you can give them portraits or landscapes to their heart’s content.

So what is it that I like? Mists. Mists neither include nor exclude. They are both here and there. There is no beginning and no end. No one can take my mist because they can’t grab hold of her. We are all mists. Nothing more and nothing less. Our edges are soft. Some molecules bouncing off of me might be on the other side of the world, and some on this side. If someone says, where do you live, I can just say here or over there, and I’d be right. No need for GPS... Because I am always in the mist, wherever I am. Want to join households? It already happened. All mists are one.

I do owe a lot to circles. Zero is supposed to be a great mathematical advancement. How else would I indicate how many children I have living at home when they both grow up and leave home?

In school, I used to dread “0s.” 50% was bad enough, but if I knew nothing and wasn’t wise enough to know that was cool, I’d be devastated with a “0.”

Back to mists... They are much closer to what I know about something. There is nothing solid, nothing unchanging, nothing resolute about a mist. They are like feelings. They have some focus, but they don’t give up there as does a circle. Sometimes they are very contained and sometimes they explode. But they always respond to atmospheric conditions and changing life situations.

Circles on the other hand are like pies... And my problem with a pie is that once I eat it, it is gone. Gone with the wind, except not really... Gone into my stomach. Mists might be “gone with the wind,” but there is always a piece left behind... A memory... A glimpse at what once was.

Boo circles! Yea mists!

Circles with an Opening

Wednesday, March 23, 2016

Monkey on my Back

My favorite landscapes, as a kid, were polar opposites. On the one hand, there was the frantic and busy State Street in Chicago. I was a little midget to the grown people and screeching cars. And I loved it. It pumped my adrenaline. It was a collage catering to every sense, from garish colors to cheap perfume. Women wore so much makeup that it almost fell off. And I admired how they could walk with their high heels. Everyone was in a hurry. I was lost in the chaos, and yet I felt completely at home.

Somewhere I had heard about dope, and how if you ever messed with the stuff you'd be addicted for life. One day, walking around on State Street, a man pinched my arm. I was convinced he had given me a shot of heroin, and that I was now a doomed addict. I knew that the shot would wear off, but I also knew that with the shot came the knowledge of where to get my next fix, so far.

In the summers we went to a little beach town in Oregon. There was a vast ocean there, that went on all the way to the horizon. The beach was deep and long, and the sand sung as you walked in it, due to a special crystalline structure. The little town was as different from State Street as a place could be, and yet I loved it just the same. I could hide in each of these spaces, and I didn't have to say anything. I could get lost in the immensity of either space, feeling both a complete stranger, and back to being in the womb.

How lucky to be able to experience man and nature, if there is to be a distinction. In the end, I am a small invisible dot on an infinite landscape—part of the whole—a whole as immense as I am minuscule.

Sunday, March 6, 2016

My Holy Coat

I saw myself wearing a coat with buttons. Whatever I'd do, the buttons would be pushed. Something would set me off. It was like the buttons were just waiting to be set off. I even looked for Torah verses to set me off. I was like an eagle looking for prey. Why? I could have looked for something else. 

I wanted to integrate more with the world, so I decided to make a lot of holes in the coat, like it was Swiss cheese. It worked for a little while, though I was now a contrast of buttons ready to strike and very holy Swiss cheese.

I took the coat off one day and realized that I had no skin. I'd been wearing it for almost 70 years and it had become my skin. So when I took it off, it took off my skin too. Or maybe the coat was my skin, growing as I grew and shrinking as I shrunk.

For awhile, I was so happy without the coat. I had eliminated the distinction between me and the other. So I looked for a place to hang my coat. I tried different closets, but I didn't want to wish my coat on anyone. It had bad vibes.

Finally I realized I could hang it in my childhood closet. No one was living in the house as it was being renovated. And I was a little upset with the people renovating it because they had put an outside door in our dining room right behind where my father sat. I know nothing about feng shui except that you shouldn’t have a straight shot from the front door to the back door. The door was like an arrow in my heart… so now you know what it is like when one of my buttons is pushed.

Then I read the Lakota poem about saying thank you. Ha ha, I thought. i don't have to give up my old and now holy coat with buttons. I can reprogram all the hot buttons to thank you buttons. I'd look around and see what would cause me to feel gratitude--to say thank you.

And  when I started reading the Torah today, I came across this passage: He imbued them with wisdom of the heart, to do all sorts of work, and I thought a great pleasure in having a love for searching for this wisdom of the heart, and for having so many guides along the way.” (Exodus 35:35)

And then I made bread today, and it came out good. So I said thank you to the bread universe, and then it turned out that it was too much for me to wash the baking dishes so I said thank you to my wife because she said she would do it.

So “thank you thank you thank you” as Gomer Pyle would say.


Thank you thank you thank you...

Monday, February 22, 2016

Hillary's Speaking Fees and the Talmud

People are objecting to Hillary's speaking fees because of the amount and the source. I think the amount is a product of supply and demand (there aren't many Hillarys). 



I think the application of the Talmud is wrong in her situation because it is impossible to worry about who is giving you money, esp. for speaking. If it did matter, political figures could not speak anywhere, and that would be worse than the potential conflict of interest. BTW, there is another suggestion in Judaism that you are never to withhold knowledge (or even not give a book away if someone wants it).

Milton Friedman had no objection to lobbying, saying that people would lobby from both sides. The alternative (outlawing lobbying) would be far worse. We know there will always be an imbalance, but is it the role of government to try to make it even (which is next to impossible)?

Every organization has agendas. We hope that the money for the speeches were not bribery. And then there is a moral question of whether Hillary is being dishonest to Wall Street by speaking to them without any intent to cow to their wishes... but letting them believe that she will. That would seem to be against the Buddhist precept of not taking what is not given (it is my intent to bring Buddhism and Judaism into every argument I try to make.)

Boyfriend

Rhinoceros Fan (an infamous koan) One day Yanguan called to his attendant, "Bring me the rhinoceros fan." The attendant said, ...