LRN got hacked this morning. Thankfully, I backup weekly and subscribe to my own RSS feed. 20 minutes to total restoration.
The High Cost of Keeping Richard Ramirez in Prison
Serial killers in the United States often gain cult status due to their strange courtroom antics and dramatic personalities. Recently deceased death row inmate Richard Ramirez was definitely one of the most famous serial killers of all time before he passed away of liver failure in California’s San Quentin State Prison.
After a dramatic arrest in 1985 in East Los Angeles by residents who recognized Ramirez from photographs displayed all over the news, Ramirez would sit in jail for years while awaiting a trial that finally began in 1989. There would be no more expensive trial in the history of Los Angeles County except for the O.J. Simpson trial that occurred a few years later.
At a cost of $1.8 million dollars, Los Angelinos would pay dearly for the privilege of trying Ramirez in a court of law. Incredibly, however, this massive sum wasn’t the only cost associated with this vicious serial killer. Because he was sentenced to death and due to the incredibly long appeals process associated with death row inmates, Ramirez sat in jail for over two decades without any fear of actually being put to death by the state of California.
Over the past hundred years, the number of individuals incarcerated in the United States has ballooned from a few hundred thousand people to almost 2.5 million prisoners. The most expensive people to incarcerate are death row inmates, who sit in a type of solitary confinement for decades. A moratorium on future executions in California has ensured that inmates like Ramirez have been costing taxpayers millions of dollars for housing and appeals with no likelihood of being put to death.
According to the American Civil Liberties Union, there are around 700 people sitting on death row in California, which require a massive investment of tax dollars. The state’s ongoing budget crisis and inability to balance its budget has put great strain on the prison system to house so many death row inmates at such an incredible cost.
Richard Ramirez’s untimely death at the age of 53 and his decades-long residency within a state prison brings to light a disturbing fact: more inmates die of natural causes while on death row than are actually put to death. Whether support for the death penalty exists or not, the billions of dollars spent by the state to keep inmates on death row has resulted in just 13 executions since the late 1970s.
A study in 2011 that was conducted by a judge and professor in the state suggested that California has spent over $4 billion since the death penalty was reinstituted. Out of those funds spent, at least a billion dollars was used for housing and incarceration of the inmates, including serial killers like Richard Ramirez.
A further study presented by the Commission on the Fair Administration of Justice in 2008 suggested that keeping the system intact with inmates on death row would cost around $137 million dollars a year. On the other hand, if California was to commute those death sentences to life in prison and abolish the death penalty, the yearly cost would drop to $11.5 million a year.
Offering the families of victims of death penalty-worthy crimes the chance to see a killer or other criminal experience the ultimate punishment may offer some sort of closure. Unfortunately, with the expectation that individuals on death row are more likely to die of natural causes than be put to death in California, the implementation of the death penalty in the state must be reexamined.
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Personal Finance, Canine-Style
No matter how many excellent books you read, or how many experts you consult, sometimes the best advice comes from beast out fertilizing my yard. My dog is pretty smart. At middle-age, she’s got no debt, no stress, and no possibility of being fired. I asked her what her secrets are, and she gave me 5 rules for managing her finances.
- Sniff around. You never know when or where an opportunity will present itself. Keep your eyes open and look in some unusual places and you may just find the golden opportunity you’ve been waiting for. Jacob and Susan D’Aniello have a multi-million dollar franchise called DoodyCall. They have turned themselves into millionaires, starting with a shovel, a leash, and a plastic bag. Never be afraid to look your future in the eye.
- Don’t be afraid to sniff a butt. It’s important to know who you are dealing with, especially when your are making life-changing or expensive decisions. If it doesn’t smell right, bare your teeth and back off. Seriously, in most situations, you can trust your gut instinct. Especially if that instinct is telling you to run away. Read everything you sign. If you don’t understand it, find someone who does. Know what you are getting into at all times. Get referrals. Call the Better Business Bureau. You are in charge of protecting your own interests.
- Lick your own butt. Watching your emergency fund grow is nice, but not everything is. There are some aspects of personal finance that are downright unpleasant, but ignoring them is worse. You can’t ignore an upside-down budget forever, or it will never get fixed. Sometimes you just have to grit your teeth and do what needs to be done, no matter how distasteful. But keep the mouthwash handy.
- Bury a bone. Minds out of the gutter, please. Save for the lean times. You may have two bones today, but what about tomorrow, or next week? What if the bone-fairy never comes to visit again? Make your surplus last, because you never know when life will whack you with a newspaper. If you don’t have an emergency fund, start one. Today. Now. Go set up an automatic transfer of $10 per week. Now. If you don’t have an emergency fund, everything is an emergency.
- Wag your tail. Don’t be afraid to enjoy the good things. When you make progress on your debt, congratulate yourself. Take credit and take pride in what you’ve accomplished. It’s more important to be happy than rich, so don’t obsess over the little things, or the material things. Enjoy your family, enjoy your job(or find a job you can enjoy), enjoy your life.
Maybe I shouldn’t write while watching my dog poop at 5AM.
Update: This post has been included in Festival of Frugality.
How come my back hurts?
My favorite book series is the Sword of Truth by Terry Goodkind. It’s a good sword-and-sorcery, good-versus-evil fantasy.
But I’m not here to talk about that series. Rather, I’m going to talk about one particular scene in book 6, Faith of the Fallen.
There’s a scene where Richard, the protagonist, ends up in a socialist workers’ paradise, where the government controls distribution and everybody is starving. Jobs are hard to come by, because everything is unionized and unions control access to work. That’s a non-accidental parallel to every country that has embrace socialist principles, or even leans that way. Go open a business with employees in France, I dare you.
So Richard goes out of his way to help someone with no expectation of reward. This person then offers to vouch for him at the union meeting, effectively offering him a job.
This is the conversation that follows:
Nicci shook her head in disgust. “Ordinary people don’t have your luck, Richard. Ordinary people suffer and struggle while your luck gets you into a job.”
“If it was luck,” Richard asked, “then how come my back hurts?”
If it was luck, how come my back hurts?
Seneca, a 2000-year-dead Roman philosopher said, “Luck is where the crossroads of opportunity and preparation meet.”
I won’t lie, I’ve got a pretty cushy job. I make decent money, I work from home, I love my company’s mission, and I kind of fell into the job.
By fell into, I mean:
- I started teaching myself to program computers when I was 7.
- I worked in a collection agency collecting on defaulted student loans to put myself through college while I had a baby at home.
- When I graduated, I went out of my way to help anyone I could, which positioned me for a promotion, getting my first programming job. The first one is the hardest.
- I spent 3 years studying the online marketing aspects of what I’m doing, with no promise of a payoff.
- I launched a side business in the same industry as the company I work for.
- I built a relationship with an author to include his books in the classes I teach. He happened to move to the company I’m with.
- I offered advice–for free, on a regular basis–on certain aspects of his business and his responsibilities with this company.
- He offered me a job.
That’s 25 years and tens of thousands of dollars spent earning my luck. How come my back hurts?
I have a friend on disability. He has a couple of partially-shattered vertebrae in his back, but he keeps pushing off the corrective surgery because the payments would stop after he heals. He refuses to get a regular job, because his payments would stop. He lives on $400 per month and whatever he can hustle for cash, and he will make just that until the day he dies. And he complains about his bad luck.
His back literally hurts, but not metaphorically. His bad luck is the product of deliberately holding himself down to keep that free check flowing.
I have another friend who made some bad decisions young. Some years ago, he decided that was over. He took custody of his kid and started a business that rode the housing bubble. When the bubble popped, so did his business. Instead of whining about his luck, he worked his way into an entry-level banking job.
He put in long (long!) hours, bending over backwards to help his customers and coworkers, and managed a few promotions, far earlier than normal. His coworkers whined about it. He’s so lucky. If it was luck, why does his back hurt?
We make our own luck.
If you bust your ass, working hard and helping people–your coworkers, your customers, your friends, your neighbors–and you are willing to seize an opportunity when it appears, you will get ahead. When you do, the people around you who do the bare minimum, who refuse–or are afraid–to seize an opportunity, who always ask what’s in it for them, they will will whine about your luck.
When they do, you will get to ask, “If it was luck, how come my back hurts?”
Fighting Fair
This was a guest post on another site early last year.
Everyone, at times, has disagreements. How boring would life be if everyone agreed all of the time? How you handle those disagreements may mean disaster.
This is particularly true when you are arguing with your spouse. You spend most non-working moments with this one person, this wonderful, loving, infuriating person. Your emotions will naturally run high while discussing the things you care most about with the person you care most about. Arguments are not only natural, but inevitable.
How do you have an argument with someone you love without lasting resentment?
You have to argue fairly. There are a few principles to remember during an argument.
- When your partner is talking, your job is to listen with all of your energy. You are not interrupting. Your are not planning your rebuttal while waiting for your turn to talk. Your are listening, nothing else. If you don’t listen, you can’t understand. If you don’t understand, you can’t find a resolution.
- Remember that your partner cares. If she didn’t care, she wouldn’t feel so strongly about the argument. This isn’t a war, just an argument. She still wants to spend the rest of her life with you. Keeping this in mind will change the entire tone of the argument into a positive interaction. You will still disagree, but you will be looking for a solution together, instead of finding a “win” at any cost.
- Search for the best intent. Remember #2? There is an incredibly good chance that, if there are two ways to interpret something your partner has said–a good way and a bad way–your partner probably meant the good way. Even if you are wrong, it is far better to err on the side of resolution than the side of antagonism.
- When your partner has finished speaking, it’s still not your turn to argue. Your job now is to repeat your understanding of the issue, without worrying about problem-solving. Before you can refute the argument–or even establish your disagreement–you have to know that you understand her position and she has to know that you do. Without understanding, there can be no path to resolution that doesn’t cause resentment. If you have too much resentment, you won’t have a marriage.
After all of this, it will finally be your turn to make your point. Hopefully, your partner will be following the same rules so you can solve your problems together, without learning to hate each other.
Arguments in your marriage aren’t–or shouldn’t be–intended to draw blood. Fights happen. If your goal is to win at any cost, you will both lose, possibly everything.
Mastermind – The Best Personality Type
A few of the best personal finance blogs have decided to post on a theme. It’s a personality type blog carnival.
After taking the Jung Typology Test, I discovered that I am an INTJ; a Rational Mastermind. Specifically I am I(78%) N(12%) T(75%) J(44%).
What does that mean, you ask?
It means that I am rare. Fewer than 3% of the population has my personality type, which is Introvert iNtuition Thinking Judgement, but the intuition is close to Sensing, making me almost an ISTJ, or a Guardian Inspector.
From Wikipedia:
- I – Introversion preferred to extraversion: INTJs tend to be quiet and reserved. They generally prefer interacting with a few close friends rather than a wide circle of acquaintances, and they expend energy in social situations (whereas extraverts gain energy).
- N – Intuition preferred to sensing: INTJs tend to be more abstract than concrete. They focus their attention on the big picture rather than the details and on future possibilities rather than immediate realities.
- T – Thinking preferred to feeling: INTJs tend to value objective criteria above personal preference. When making decisions they generally give more weight to logic than to social considerations.
- J – Judgment preferred to perception: INTJs tend to plan their activities and make decisions early. They derive a sense of control through predictability, which to perceptive types may seem limiting.
- S – Sensing preferred to intuition: ISTJs tend to be more concrete than abstract. They focus their attention on the details rather than the big picture, and on immediate realities rather than future possibilities.
To summarize the personality of a mastermind: We are big-picture planners. We see patterns other people miss and use that to solve complex puzzles and problems. It’s not possible to follow a thought through the head of a mastermind, because thinking comes with a ton of free association. We may be watching an episode of Spongebob, and something Patrick does will trigger a domino-effect of seemingly unrelated thoughts that will lead a conclusion, out of nowhere. Often, we aren’t aware of the process.
We don’t do crowds, at least, not often. Good conversation with good friends is better than a party full of people we barely know. Crowds are draining. A quiet night at home is a good night, but that’s not saying we-re shy. We just don’t enjoy keeping up with small talk and polite chatter. Get us on a topic we’re passionate about and you won’t shut us up. Get us in a group of people we care about, and we can be the life of the party.
As a group, we are ambitious and deliberate. We are capable of making firm decisions, confidently. Confidence is one of the hallmarks of a mastermind, but one I don’t have to the normal extreme.
We are obsessive focused. When we get set on a problem, we focus in a way that leaves other people stupefied. Time goes away. The rest of the world fades. You may have to shout to get our attention. Sometimes, our minds will drift in the middle of a conversation, and we’ll lose track of who’s saying what. It’s rude, but that doesn’t change the way we are wired.
We don’t do emotion. We are rational and get frustrated with people who make decisions based on emotion. This makes it hard to connect with others, but that’s okay, because it’s better to have a few extremely close friends than a crowd of mere acquaintances. Unfortunately, this can make relationships difficult, too. The benefit to dating or marrying an INTJ is that we carry our focus into relationships. We take our relationships seriously.
We are inwardly-focused, so we spend quite a bit of time examining ourselves. This can lead to a long series of self-improvement projects, but none get taken on as a mere fad. They are planned and dissected before even being mentioned to others, let alone undertaken.
We take criticism well, but if you can’t back up the critique with facts and reasoning, don’t bother. Rational, remember?
We are driven by a need to understand. Once we understand, a given project or line of thought may be abandoned. Until we understand, very little can shake our focus.
Self-promotion is difficult, since we don’t get into the heads of others well. They should be able to see the obvious benefits without being told, right?
Now, to cross a bit of the ISTJ into the mix.
An Inspector is duty bound and loyal, to an extreme. They are dependable workhorses. Under stress, they can get stuck on the things that could go wrong, which would explain why I miss out on the confidence brought by being a mastermind.
To summarize me:
- I am a planner.
- I am extremely focused, to the point of obsession.
- I am driven to learn new things, constantly. Few of those things are incorporated into my life, long-term.
- I don’t cheat. Taxes, games, relationships, etc.
- I am intensely loyal, but to very few people or causes. I don’t end relationships quickly or easily. That said, when it’s time for them to be over, I can break it off with little regret.
Security, improvement, planning, learning, thinking, loyalty, honesty, integrity.
That sounds about right.
Now you know a bit about how I tick. What’s your personality type?
