What You Should Know About Tariffs

Dick Knuth Business of Life Leave a Comment

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In the small example shown here, American farmers are losing big time: The only people making money on milk produced in America is Canada.

Unless of course, the farmers can pass on some of the cost to their neighbors, also known as, citizens of the US. They do that by charging the $1 per gallon plus a $3 service fee/ markup, or whatever you want to call it. Regardless, now the average American is paying $4 for a gallon of milk.

This may seem like a small amount, but take a look at higher ticket items such as cars. Yes, we may sell them to Mexico, but we have to pay them a fee, aka, “tariff,” for letting us sell our products in their country. Oh, and never mind that our “American cars” are built in Mexico, we are still charged a tariff for selling them there! That fee is then rolled into the cost of cars for Americans, not to mention the debt our government is racking up for each tariff we pay on each car shipped back and sold there. Seriously???

The problem is that the fees we pay other countries are so high, that our farmers and manufacturers can’t charge us enough to cover them... thus the farmers and manufacturers, and us as Americans, are in debt to those other countries. When the politicians are talking about “trade deficit” being in the billions of dollars to other countries, that is what they are talking about.

Now, in my opinion, if one wants to be fair when it comes to trade with other countries these taxes should never exceed half the normal retail cost of a product. Even 50% at most would still be fair coming or going. According to Wikipedia, tariffs hit about 44% for imports (that’s us charging them) during the civil war, and between 1871 to 1913 they were lower but never dropped below 38 percent.

So if we had to pay, say ideally, a 20% tax on anything we ship into another country, (20 cents on a $1 gallon of milk) we would still make money without having to charge Americans so much for that product in order to make up the difference.

The same could be said for products we receive from other countries: Japan makes cars. America charges them, and they might pay us, say, a $6,000 tariff for every $30,000 car that lands in America. Theoretically, we, American resellers, are making money on each car. And over in Japan, they have to eat that cost by passing it on to their local residents. But the cars can still be reasonably priced.

Where this gets ugly, as shown in the example of the milk, is when the cost to send (export) our products to Canada, Mexico, the UK, or any other country, is almost three times the actual cost of the product here in America. Which is what’s happened with a lot of the import/export/trade agreements America has with other countries. Now we owe them money for the products we make here and ship to them; that’s called a huge debt known as a trade deficit. It’s that simple.

According to the NY Times (https://www.nytimes.com/2018/06/09/upshot/what-is-the-trade-deficit.html) we have a $69 billion United States trade deficit with Mexico and a $336 billion gap with China.

The only thing I will say to that is that I sure wouldn’t be running my business like that.

I hope this information goes towards helping you to understand this issue a little bit better.

Jan

Elvis vs. Marilyn

Dick Knuth In My Opinion Leave a Comment

Elvis Presley, The Beatles, Michael Jackson: What do they all have in common?

They are all superstars, known around the world. Their music is known, if not loved, by people of multiple generations, in multiple countries – English speaking or not – regardless of what kind of music anyone usually listens too.

Have you noticed the other thing they all have in common? Did you guess it yet? Yes, they are all men.

This brings to mind a couple other observations and questions that show up on social media or in the media in general:

  • In many industries, women still have to work twice as hard to get half as much attention or reap half as many rewards as men. Why is that?
  • Why are there not near as many opportunities for women as men in the entertainment industry, pro sports, or corporate America?

Either way, and I don’t know about you, but I can’t name one woman that has made the same impact on the Music industry as those three names I mentioned above. The same could be said for Professional Team Sports as well as White Collar Corporate America.

Why is that do you suppose? Well, this is what I think.

Disclaimer

Before we get going here, keep in mind that the opinions I’m expressing in this document are mine, and mine alone. And they are just that, opinions. They are based on my personal experiences [as a straight woman vs. gay] and observations over my 60+ years of life. All of the numbers and percentages I mention simply come from talking with friends, coworkers, family members and acquaintances I’ve made while working as an IT Professional in corporate America for 40+ years, and are merely loose estimates. If you take issue with any of my opinions or numbers, I welcome your input and it’d be great if you could add your comments below and include links to sites that would help boost or shoot down my personal opinions; I’m still not too old to learn something new.

Again, this is strictly a thought piece and in no way am I intending it to be taken as fact. So I ask that as you’re reading, think about your own feelings, views, and behaviors, and be honest with yourself.

Professional Team Sports

I’ll state right up front, as a woman, I could care less about any team sports, male or female.

How about you? Do you watch football on TV? Do you have a favorite team you root for? Do you buy team shirts and/or spend hundreds of dollars said shirts, tickets, or tailgating events? If you’re a woman, do you mostly participate in all of this to show support for your boyfriend or husband?

Now think about it and be honest: If there was a female football league, would you watch the games on TV? Would you spend the same amount of money on team shirts, tickets, and tailgating events?

I think there was an attempt years ago to form an all-female football league, but yeah, that didn’t go very far. Or maybe it was baseball. I can’t remember, but it really doesn’t matter does it? After all, it’s not around today.

There is a female Pro Basketball league... But do you watch the games? Do you know the players and their stats? Do you wear their team jerseys? Can you name a team or a player?

Pro Baseball, forget it. Women don’t have a chance.

The only time some women get excited about women in sports is if we’re talking about individual sports such as ice-skating, skiing, tennis, golf, or gymnastics. Even most of those only bring in the viewers and dollars when the Olympics come around every four years. (Oh, while I was discussing this with my very male friend, he pointed out that he’d watch women play golf because most of them look like models.)

See the thing here is that men get all excited about male-dominated pro sports, but women, well, they are about 50/50 on any of these, if that. And when it comes to pro female sports, I’ve not talked with a single man who cares about them. And, well, you can barely get women interested in playing them, let alone get excited about them. (Although a few female athletes want to play on the men’s teams.)

To summarize, men and women support men in professional sports; Men don’t care about women in professional sports and less than 10% of all women care about them.

Entertainment

Elvis

Let’s take a look at the entertainment industry again.

What names have stood the test of time like Elvis, The Beatles, and Michael Jackson?

I think some others are working on it: How many of you get excited about Harrison Ford movies? Or Clint Eastwood, Morgan Freeman or Denzel Washington, the “Terminator,” Sly or The Rock? It was pretty easy to pull these names out of my hat. These guys and their movies have gained popularity around the world thus, are a sure-fire box-office hit. They are all a “man’s man” and it’s safe to say that both men and women would get excited to hear that any one of them is making a new movie.

Notice any female names on that list? Sorry, but none really came to mind when I started typing.

Marilyn Monroe

But if we look at female actors, the only name that came to my mind that hasn’t faded with time is Marilyn Monroe. (Although her talent can’t compare to the multi-talented Elvis.) After that, I really had to stop and think again. Ok, Cher and Dolly Parton are pretty well-known and their talent could be said to be on par with Elvis.

I mean seriously, the Wonder Woman movie kicked ass, but how many of you can remember the name of the female lead? And be honest, how many female actors’ names get you all excited when you hear they’re making a new movie? Most men could say Angelina Jolie and Jennifer Anniston and stop. But would they run out and buy a ticket as soon as they hear that one of these ladies is making a new movie? Would a woman?

I think it’s safe to say that it’s pretty sketchy as to how many men or women are ready to open their checkbooks just because of a female lead. So I’ll be generous and put it this way:

100% of men and women will support men in music and movies.

Only about 25 – 50% of men and women will support women in the entertainment industry.

Corporate America

Now, how do things work in the white collar, corporate world?

When you hear talk about “leaders of the industry,” whatever industry it is, some names that might come to mind immediately are Bill Gates, Steve Jobs, Mark Zuckerburg, Rob Reiner, George Lucas, and even Donald Trump before he was president. It appears to me that men always look up to men... rarely do they look up to women.

Oh wait, some women might look up to Oprah, or Ellen? Yeah, that’s a short list.

Do you ever hear anyone, male or female, talk about how much they could learn from a female CEO? How many men get all excited about working for a woman? They don’t... they joke about it, re The Proposal, or make them out to be a bitch, re: The Devil Wears Prada.

I think that it’s safe to conclude that few people, men or women, are excited about women in Corporate America.

To summarize:

Both men and women will watch men, and everyone gets excited about male singers, athletes, actors, and leaders, but it’s very rare that men or women will get excited about women being strong (physically or mentally) or outstanding at anything.

Which means, here it comes...

It's all about MONEY!!!

With less than a quarter of the people in this country (maybe even the world) willing to put their effort, therefore their money, into women’s interests, there’s not nearly as much money to be made by pushing to have more women in any of these areas. That, my friends, is why are there not more opportunities for women in the entertainment industry, sports, or leadership in corporate America.

Why do you suppose men and women support men in everything, but less than half the men or women support other women?

Here’s an interesting article on the subject that just showed up on my Twitter feed:

Dear Feminists: I’m already a woman in combat

There’s the million dollar question!

Based on my observations since the mid 60’s, this is what I think:

I think it’s the nature of both beasts.

No, no, now don’t get all pissed off and indignant. Hear me out.

Again, based on my experience and observation over 45 + years, the basic male ego still doesn’t play well with strong women.

Yes, there are some men who are very secure in their maleness and are confident in their knowledge and abilities so they don’t have a problem with women in positions of power. But those are still the exception, not the rule. That said, I’m pretty sure all straight men love looking at beautiful women regardless of their relationship status (the man’s or the woman’s).

Straight women overall, well, they just aren’t too fond of strong women either. And while most may appreciate and look at a beautiful woman, they sure don’t want “their” man looking at or appreciating her.

Generally speaking, women really don’t want other women to have what they can’t have such as a man, the attention of men, the big office, or the better job, even if they don’t want it themselves. There’s the kicker! (Oh, and women are very competitive but no one talks about that and no one will admit to it either – unless it’s regarding sports – because it’s still considered “unattractive.”)

And we all know how nasty men or women can be if they simply feel someone is encroaching on their “territory.” Men, as well as women, will do their best to sabotage their perceived enemy whether it be by lying, backstabbing, or teaming up against them. Both have the ability to be sneaky as hell in the process.

Do you disagree? Jot a quick note in the comments below and let me know.

Can this be changed?

In my opinion, yes and no. I think it’s a matter of evolution driven by desire.

Hmm, the desire... Well, I still see a lot of conflict between men and women regarding traditional roles, so the desire of both parties is not 100%. I think the desire might be about 50% women and 25% men. Which is a lot better than it was in 1950. And I think it’ll change even more in time. (Although I remember when my mom (who is 85) hoped this would all change by the time I grew up. I’m 60 now and nope, the numbers haven’t changed. Maybe when my granddaughter grows up.)

However, there are still a lot of men and women out there who are very much OK with traditional male/ female roles. When I say “traditional”, I mean there are many women who still love the idea of a big, strong man taking care of her and bringing home the paycheck, while she keeps their home in order and raises the kids. And there are many men who appreciate this lifestyle as well. For women like me who raised kids as a single mom and worked full time, I still appreciate a man who can do the heavy lifting that I physically can’t do. Not only does that help me, but a hard-working man working up a sweat is nice to look at. (And I notice that he likes me looking at him!)

Should we really begrudge those for whom these roles work quite well?

Regarding the evolution part of this, I think we all know that evolution takes millions of years. And things evolve usually based upon a physical and probably a little emotional necessity. (I’m just trying to draw on my evolution and dinosaur classes from way back!) So I think that until that desire and necessity to have all male and female traits be exactly the same on both sides of the coin, we could be waiting a long-ass time. Maybe men and women will be further evolved in my granddaughter’s lifetime.

Hmmm, but this poses another question:

Do you really want a society where all people have (what is still considered) male AND female traits?

Hmm, I got nothing for that one. Sounds like another debate for another day.

Either way, until these things change, I honestly believe that women will continue to have to work twice as hard to reap half as many benefits as men (recognition and financial) because they don’t get nearly as much support (financially or emotionally) from men or women, that men get.


I’m dying to hear if you agree or disagree with these views, and how it all makes you feel. Add your thoughts below!

Jan

Dealing with Roommates

Dick Knuth Business of Life, Uncategorized Leave a Comment

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I've listed these suggestions in order of importance, based on my experience with my kids as well what I've heard from their friends.

Room mates and Janet M. Nast

In order to save on rent, you might want to consider sharing your home with friends, aka “roommates.” That way you can split the rent by the number of tenants.

The most important thing you should do in a roommate situation is to make sure everyone’s names and signatures are included on the lease or rental agreement. This ensures that all parties involved have made the commitment to be accountable for the rent as well as any terms included in the agreement, such as the condition of the home.

Here are a few things that should be discussed and agreed upon amongst roommates that are not talked about in a lease or rental agreement:

  • Who will sleep where?
  • What do everyone’s work, school, and sleep schedules look like? This will help everyone to be aware of when quiet time is needed.
  • What will the guidelines be regarding visitors? This discussion might include when visitors are welcome based on work, school and homework schedules. Talk about evenings, weekends and overnight stays. And while it should be understood that each person is responsible for the behavior of their visitors, it is worth talking about up front.
  • How will housework be split up? This might include discussions about keeping the common areas of the house clean such as the living room, bathroom, and kitchen. In regards to the kitchen, you should discuss meal preparation as well as the subsequent cleanup.
  • How will you handle grocery shopping? Will you share things such as milk, eggs, and cereal? This discussion might include where each persons’ groceries are to be stored.
  • How do you all feel about sharing personal items such as dishes, glasses, towels, silverware, pots and pans, toilet paper, soap, shampoo, laundry detergent, clothes, etc.?
Room mates and Janet M. Nast

Those are just a few topics you should discuss with potential roommates. You may also want to consider a Relationship Agreement so you don’t end up all kinds of pissed off at each other and losing good friends.


To learn more about the roommate experience, talk with your parents or other friends and see how their situations panned out. I’m sure everyone has a story!!!

Learn more about living on your own by adding this great resource to your Kindle app:

Shifting to the Business of Life

Available on Amazon

A Few Simple Tips for Improving Your Grammar

Dick Knuth Business of Life Leave a Comment

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You may not have a college degree, but if you want to move up in the world, good verbal and written communication skills can help make you sound like you do. This is so easy if you know just five groups of words and how they’re supposed to be used. (There’s a tip about punctuation at the end too!)

I’m on social media a few hours a day and I see these errors all the time. As a hiring manager, I used to see them on resumes too. (Those usually went immediately to the circular file!) The scary part is that I know a lot of those people making these simple mistakes are college educated and very successful. At least you’re in good company, right? Ha! Of the unemployed if you aren’t aware of these errors!

The proper use of the following five groups of words will work wonders in making a good impression on potential employers, future coworkers and all the other people who might see you on Facebook, Twitter or LinkedIn. Yeah, remember, everybody can see you on the internet!

There, Their, and They're

There

A place, as in, “Over there,” or, “Oh, Davison High School? I went to school there.”

Remember, if the possessive/”belonging to” version shown to the right, or the two-words version, shown below, aren’t appropriate, then you should also use this form of the word “there.” For example, “how many are there?”

Their

Belonging to someone, someplace or something, as in, “It’s their fault,” or “Mittens and Bullet always kick the litter out of their box.”

Extra Tip:
Notice that in both examples I’m talking about multiple people or cats. If there were just one person or cat, then you would use “his” or “her” instead of “their.”

They're

A combination of the two words, “they are,” as in “they’re moving in” would sound fine if said as, “they are moving in.” “I wonder where they’re going” also works with “they are.”

If you aren’t sure, see if you can substitute the two words (they are) for the one word “they’re.” If that works, then “they’re” is the right way to do it.

Your and You're

Your

Belonging to someone, as in, “that’s yours” or “where is your car?”

You're

A combination of the two words, “you are,” as in “where do you think you’re going” or “you’re crazy if you believe that.”

If you aren’t sure, see if you can substitute the two words (you are) for the one word “you’re.” If that works, then “you’re” is correct.

To, Too, and Two

To

Usually a place or direction as in, “I’ll be running to the store after work.”

If you are writing a sentence and the next two options don’t work well, then use this one. For instance, “How am I going to say this otherwise?”

The word “also” doesn’t apply in that sentence, as explained in the example to the right, and I’m not referring to two items, as explained in the example below.

Too

Same as the word “also,” as in, “I’ll be visiting Paris too,” or “I want that one too.”

Should also be used when something is excessive, such as too long, too short, or too far.

Two

Spells the number “2.” No exceptions.

No and Know

No

It’s a negative as in “no you can’t, no way, no how.”

Know

Refers to your knowledge, as in “what do you know?”

Is and Are

Is

Singular connecting verb as in “There is one person,” or, “your tie is crooked.”

Are

Plural connecting verb as in “There are two people,” or, “it’s so easy to get lost in this town since there are so many one-way streets.” Since the word “many” means more than one you should use “are” in this last sentence.

 

Punctuation Tip: When using quotes in your posts, like I did in most of the examples shown above, the quote at the end of the sentence always goes outside the closing punctuation. (Check my work and see if I did them all correctly!)


This is not everything there is to know about good grammar, but as I mentioned above, these common errors are so cringe worthy that it could make the difference of whether (not “weather,” as in rain) or not you get the job or college degree. So memorize them because it’ll give you a good start as you learn to navigate the Business of YOUR Life!

Jan

6 Basic Tasks for Moving

Dick Knuth Business of Life Leave a Comment

Sometimes you just need a basic list, right? Well this is as basic as it gets!

  • Give thirty days’ notice to vacate current residence
  • Collect boxes and packing materials
  • Pack all of your belongings
  • Get all your utilities turned off in current location and on in new location
  • Submit a change of address to the U.S. Post Office
  • Arrange to transport your belongings from one place to the next

Give thirty days notice

Generally speaking, there will be a form that your landlord will require you fill out when you want to move. Get that form and be sure to read it over before you leave the office just in case you have questions. There’s nothing worse that getting hit with some sort of fine because you didn’t fill something out correctly and you missed that detail in the fine print.

Collect boxes and packing materials

The cheapest way to do this is to hit up a cashier at your local grocery or drug store. They can tell you when they get shipments and are usually happy to give away the boxes so they don’t have to break them down.

Pack all of your belongings

Do yourself a HUGE favor and label your boxes! I strongly suggest marking each box with the room name. There's nothing worse than getting into a new apartment and not being able to find the toilet paper!

Get all your utilities turned on/off

Much of this can be done online. Just be sure to call at least two weeks ahead of time, you never know if there’s a waiting list for the electric company. Cable and internet companies are the worst! If you can plan 3-4 weeks out, do it!

Submit a Change of Address

This can be done online or in person. I think online is easier but it will cost you a dollar or two, payable with a credit card. The Post Office prefers you give at least a week’s notice, but I like to do this two weeks out as well. Call me paranoid.

Arrange to transport all of your belongings

Seriously, think about how much stuff you have and decide if you need to rent a U-Haul truck/van or if you can just use a couple of pick-up trucks. Keep in mind that not all of your friends are just sitting around waiting for you to move so they can help.