New Trade Routes

Drawing digital pathways on the new trade maps.

Trade drives the way people interact.  People, products, money, and ideas follow the trade routes and impact everything in their path.  Keeping pace with the way trade routes are changing is essential to success or even survival.  New Trade Routes is working to better understand the changes so we can help our clients, investees, and grantees improve their chances of success.

 

My New Year Wishes

Propelled by complexity and entanglements, we speed through time so fast that years go by and opportunities to enjoy meaning are missed.  I do not wish 2014 to be a year lost in that way.  Towards that end, here are the three things I want to think about most this year.

Experiences:  I want to spend time with the people I love in places both old and new.  Sharing a sunset or a meal with someone you care about is not something that should ever be put off until next year.  No matter the circumstances or the budget, experiences and the connection by which I remember them, are first on my list this year.

Learning:  My brain is the happiest when it is being stretched with new thinking and new information.  I want to surround myself with people that are using their brains to do new, positive, and productive things for the world.  Life is too short to be around people that use their brains to suck the life out of other people.

Building:  As a kid I didn't want to just throw big rocks into the river.  I wanted to pile up the rocks and balance a log and make a bridge.  I like being a builder.  There are many people who want to get in the way of constructive work, or to sit under the bridge exacting a toll each time someone passes.  Such parasites do not deserve our attention, we will push forward and build bridges anyway.  At the end of 2014 I want to look back and see that the things I built helped make the world a better place.

I have found that the people who are facing the most difficult circumstances, appreciate the new year more than those just coasting along.  Whether due to war, typhoon, or tort, too many people have a very real need for 2014 to be a better year.  

Here is to leaving 2013 and all it brought us behind!

 

Darkest Day of the Year

The good thing about the shortest day of the year is that by definition there is no shorter day.  Humans know that December 21st is the shortest day of the year in the northern hemisphere from science and from experience.  There was however a time when humans were not sure that the days would get longer again – and that would have been quite unsettling.  We fear global warming but our ancestors thought the sun could be going out!

Some 5,000 years ago, give or take, those crazy Brits erected Stonhenge for some sun related reason.  

Eddie Izzard, a favorite British cross dressing archaeologist (er, comedian) tells the story like this:

So, yeah, the stones are from 200 miles away, in Wales, so these guys in Wales were obviously carving the rocks out of the very living mountain... "Fantastic, building a henge, are we? That's a fantastic idea! That's a marvelous religion the Druids have got! Yes, got a lot of white clothing, I like that. There we go!" And they smashed out a huge stone and then they put tree trunks down to roll it along on.

"All right, walk it along, here we go, here we go."

"Help you push 'em along? It's not far, is it?"

And the Druids going,

"Heave, everyone, heave! Well done, everyone, you're doing very well! You'll love it when you see it. I've seen some of the drawings already, it's very special."

For the video, click here.

I do like to stop and think for a minute on December 21st and remind myself that it is not going to get any worse than this.  Tomorrow is a new day and there is going to be more daylight tomorrow than today.

More Fun than Ever

I started racing sailboats when I was eight years old.  All I needed to do was start, and the rest took care of itself.  I wanted to sail all of the time and I pretty much did that with the exception of a short time when I lived in Spokane -- where there was very little sailboat racing going on.

Motivation is easy when you are doing what you love to do.

Later in life I took some time off from sailboat racing and before I new it more than 10 years had gone by.  I just woke up one day and realized that I was not doing what I loved to do, so I went out and got a little boat and started learning how to race again.  Now I am having more fun than ever, even though I am really not very good anymore.  A few weekends ago, while doing our best to finish something other than last, I turned to Lindsey and said that this was the most fun I had had in a very long time.

No matter how busy you are, time continues to tick away.

(In case you are wondering, this picture is not of Lindsey and me because we don't have a picture of us sailing yet.  Soon though.)

Anyway, this kind of thing seems to be happening in other parts of my life too.  I started my company some 16 years ago and it was a blast.  It was all I could think about and the team was great and the problems were huge and we had more fun than ever.  We learned new things, did our best, and the company grew and we did too.  

Lately, I have been thinking alot about new things and how much fun they are to start.  Right now I am working on a new project with my daughter and it too is more fun than ever.  She is super smart, fun to be around and every day is a thrill.  Each day the time zips by and at the end I cannot wait for the next day to start.  

Always work with people you like to be around.

In all of my adventures there have been wonderful people that have put in tremendous effort and I owe each of them for making things possible.  They inspired me to be my best, taught me new things, and propelled me forward.  

There is no way to get there by yourself.

Let's Rein In the American Taliban

I lived in the Philippines during the height of Marcos' power, including the years where he ruled the country with the power of the military instead of the power of the people.  It is true that he did not need martial law to cause his political opponents to disappear, he had been doing that for years already, but he did need it to exceed the term limits imposed by the constitution.

It is interesting to note that the main justification for his declaration of martial law (1972-1981) was the communist rebels in the southern part of the country.  Leaders wishing to implement desperate measures manage to create desperate times for justification and communism was the villain we feared the most then.  Even though we were aware of Maros' tactics, and knew they conflicted with our values, Marcos was supported by the US government.

In 1987, U2 and Amnesty International collaborated to bring attention to the plight of the citizens of many central and south American nations who's life and liberty were under threat from lawless dictators.  The campaign honored the Mothers of the Disappeared, and was critical of the way the US government supported dictators in countries including Chile, Argentina, El Salvador, and Nicaragua that had turned on their own citizens - taking them away in the night to a fate of torture and death.  No one knows the number, but is likely that these dictators captured and killed thousands of people they did not like -- all with the endorsement of the US government, and all without basic legal process.

Today the New York Times reported that in September 2011 we joined those dictators as a country where our president kills citizens he does not like without due process.  

For what was apparently the first time since the Civil War, the United States government had carried out the deliberate killing of an American citizen as a wartime enemy and without a trial.

I fear that this article is the best possible spin we can put on our actions.  Even with the ugliest parts papered over and painted in bright friendly colors, it is a frightening story that we all hope is not the start of our descent into the horrors of Marcos and Pinochet.  

Also in the NY Times today is an editorial calling for the repeal of the military force law.  This law, passed right after 9/11 makes it easier for our president to do the things we do not believe in.  We must repeal this law and make it harder for our president to kill our citizens.

Journalist Jeremy Scahill has been working to expose these actions for several years now and just released his documentary Dirty Wars at Sundance this year.  I was lucky enough to see it and I recommend it highly.  The movie chronicles the work of Scahill and by the time the credits rolled, all of us at the screening were quite fearful that our government would kill him next.  Very scary stuff indeed.  Here is a review of the movie in The Guardian.  Dirty Wars does a very good job of investigating and documenting the work of the "American Taliban"; bearded US Special Forces teams that dispatch people on kill lists with very little regard for collateral damage.  

It was an incident in Gardez, Afghanistan that got Scahill started on the trail of the Joint Special Operations Command (JSOC), the terrifying nighttime raiders in the direct control of the White House.

 In Gardez, they interviewed survivors of that violent raid on the night of 12 February 2010. After watching his brother and his wife, his sister and his niece killed by US special forces, Mohammed Sabir was handcuffed on the ground. He watched, helpless, as the US soldiers dug the bullets out of his wife's corpse with a knife. 

The most frightening part of the movie is an interview with a member of the American Taliban (JSOC) where he says that "we have built a hell of a hammer and are out looking for nails".  Even with the scrambled face and voice it is a credible warning from within our military that the ever expanding kill lists are out of control.  We started with a kill list of 7 people right after 9/11, by the time we invaded Iraq the kill list was the 55 people on the deck of cards (I am guessing this is 52 cards, 2 jokers, and Sadam), and now the list numbers over 3,000 -- with some unknown number of Americans included.  

Have we become like those dictators we supported in the 70s and 80s who used fear to justify desperate measures?  Even though I was only ten years old at the time, I remember talking to a Filipino employee of my dad's church about the men that would appear in the middle of the night and take people away.  Marcos used the fear of communist rebels to justify many terrible human rights offenses.  Now, 40 years later, the rebels in the south are not called communists anymore but members of an Islamist group called al Queda -- the very people we are the most afraid of.  Fortunately, the Filipino people overthrew Marcos in 1986 with the people power revolution.  They have not let their leaders use fear to compromise their values and as a result their citizens are safe at night.  

I would like to be safe a night too, so let's rein in the American Taliban.  

Getting Organized for 2013

So February ends next week, making the year 1/6th over.  No time like the present to get organized for the year!  So I have changed the look and feel of this website and am putting some structure to the writing that I do.  

Here is a directory to the places that I will be posting things starting in 2013:

  • CSG Channels:  I run a company that offers marketing services to technology companies.  Accordingly, most of the posts on the jaycleon.com website have been tagged "Technology Marketing".  In 2013 you will find most of my thoughts about our services on the CSG Channels Blog.
  • New Trade Routes:  This year I started New Trade Routes to explore three focus areas including Integrated Systems, Virtual Currencies, and Vendor Relationship Managment.
  • New Trade Routes Foundation:  NTR is going to have a foundation and I am going to post most of my thinking about philanthropy there.
  • IN-Justice American Style: I find that these days just about everything I do somehow involves lawyers and our legal system.  So I am starting a new section of my web site called Injustice American Style -- where I will post thoughts about legal things.
  • My Blog: And in fact my blog will still get posts about all of the other things I write about including books, movies, politics, economics, sailing, boating and all kinds of other ramblings.

For 2012 and before you will have to wade through the jumbled mess of the blog on this site.

Our Areas of Focus

At New Trade Routes we are thinking about how the paths between the makers of things and the buyers of things are changing.  We believe that this focus will give us insights into the opportunities and risks resulting from the changes.   Read More

New Trade Routes Launched

I have been working for the past few months to create a new vehicle through which I can do the things I like to do most.  These include helping companies sell more stuff, and helping the universe by trying to make a difference.

You can read all about it here at New Trade Routes.

I still have my day job running CSG Channels, and this new project is complimentary to the work that I do there.  

New Trade Routes will enable me to be more focused in my philanthropy, and establish a way for me to do things that are not perfectly aligned with the work we do at CSG -- like helping start ups for example.

Please check it out and let me know if you have any questions.

How Airlines Use Big Data

I cannot remember the last time I was on a plane with a noticeable amount of empty seats.  I also have not seen overbooked planes and crews working to buy back seats.  I also have been impressed with the on time performance of planes I have been flying on.  If you are interested in this kind of thing, there is a great web site tracking this (in the US anyway) and it turns out the number support my experience.  Load factor up, on time performance up, and guess what else - prices are up too.

There was a good article in the NY Times today about how Delta is doing this -- with better data management  There is so much hype about big data but this is a good reminder that through better data management practices -- everyone can win.  Unless you were counting on a few empty seats around you on your next flight.

American Style (Big) Graft

I recently read Bailout by Neil Barofsky.  I am not going to post a review because I really cannot recommend the book.  It is a rant by a guy trying to counter his fear that the people in DC that he crossed will be successful in making sure he never works again - as they undoubtedly threatened over and over.  I mostly agree with this review in Forbes: don't read it because it is a liberal rant.

Despite this, one part of the book is just stuck in my head.  Treasury a secretary Geithner and sidekick Kashkari said over and over again that the bailout terms could not be changed (made better for the taxpayer) because some of the banks may not take the bailout - and it was very important that all of the banks take the bailout.  Why would we want so badly to push our scarce resources onto banks that don't want the funds? 

Well, clearly I am one of those guys that is the last to realize that the joke is on me.  The Wall Streeters (Geithner Et. Al.) were shoveling money to their buddies and needed a dozen non buddies on the receiving end to make it less obvious.  If they got everyone to take the bailout, no one could cry foul. 

I do some business in developing countries and from time to time get into discussions about corruption.  When I say that they should clean up their corruption, they answer:  so should you!  I used to think that we had a thread of moral authority to hold onto.  In fact we don't. We have so much money that when Paulson/Geithner/Kashkari want to give $50 billion to their buddies, they hide it in a $800 billion dollar bailout!  Yow!

It will be very interesting to see who replaces Geithner. I still maintain this is the most important cabinet appointment Obama has on his plate. 

One last note about Barofksy.  In keeping with my political schizophrenia, I am a fiscal conservative that can't seem to vote for a republican lately.   Based solely on his book, I think that Barofsky is a good guy.  I just hope we have no need for his services anytime soon.

Nest Delivers Perfection

What a difference a year makes.  Last year I tried to do a little home automation.  First I bought a whole bunch of Zwave stuff including a Mi Casa Verde Vera 2, a Trane remote energy management thermostat, and a pile of light switches.  I spent a couple of weekends trying to get the stuff to work - it actually did for about 10 minutes, and then the controller got corrupted somehow, the new firmware had to be installed from a Win XP machine.... and well, yah.  

So I thought, maybe the high priced route?  So I signed up with Schlage for their Zwave controller and paid service (Mi Casa Verde is free after you buy the controller) and another few weekends of screwing around and the project was abandoned.  The ironic thing is that my old thermostat was programmable, and the Trane needed the controller to be programmable, so for most of 2012 my functionality was worse than 2011 and before.

Friday I put in the Nest thermostat.  Done in 10 mins.  I can control it from my iPad, my Android phone, or any PC.  Done.  Awesome.  

Now it is learning to program itself from our behavior.  Awesome.

I cannot wait to see what Tony Fadell and his team introduce next.  No matter what it is --- I will buy it.  It is beautiful, it works, and it is an absolute pleasure to interact with the company.

About that interaction.  I have never called them, or emailed them, or tweeted to them, barely had to read the instructions.... so what is this "interact with the company"?

The thought and care that the Nest team put into their product speaks volumes.  It is just as magical to see it on my wall as it was to hold 1,000 songs in my pocket with the first iPod.

I am sure many companies strive for this kind of perfection... but almost no one can do it.

Way to go Tony and the Nest team.

Here is a picture of the screwdriver that comes with the thermostat.  Need I say more?

Yes, But Does The Advertising Work?

The front page of the SundayBusiness section in the NY Times carries a piece by Natasha Singer about Frank Addante's Rubicon Project, a real time trading market for internet adds.  This feature length article dutifully talks about the size of the industry ($2B in display ads bought by auction in the US this year), and other players in the business (BlueKai), the mechanics of the business (cookies), and consumer response (mostly they don't care but the advocates think they should), and advertiser response (apparently they like it a lot).  The author then wheels through a number of anecdotes that illustrate how the auction system can be used.  Anyone dedicated enough to make it to the end of the article is not rewarded with a conclusion but the now tired trope that the customer is the product.  

I am on this rant about the article not because I think it shouldn't have been written or placed prominently in the Sunday edition but because it could have been so much more.  No wonder newspapers are threatened!  So much of the content is disappointing.  Newspapers say that their advantage over bloggers is the interplay between the reporter and the editor that results in better content.  Where was the editor on this one?  

Here are some questions that I would have wanted to see surface in the article: 

  1. Does the targeted advertising featured in the article work?
  2. Is there a causal link between these auctions increased consumer tracking?
  3. Have there been any actual cases where people  have been harmed by the tracking?

 Those seem like pretty basic questions if you ask me.

Here are some other things a reader might like if interested in this subject:

 Anyone want to guess how this article got into the NY Times?  Answer:  The PR firm from Rubicon wrote it.

Uncorking Wireless

Not long ago most WiFi routers were open.  People did not bother to secure them because they did not believe they had anything to worry about.  Then came FireSheep, an extension to the FireFox browser, that showed everyone how they were exposed on public and open WiFi connections.

Now most WiFi routers are secure and I bet people like AT&T and Comcast and Verizon think that is a pretty good thing.  After all, they are selling bandwidth in fixed bundles and no one is maximizing the amount they use.  

Enter the OpenWireless movement.  This group has set about to establish new standards through which the vulnerabilities exposed by FireSheep can be addressed and promoting the idea that everyone should share their internet connection.  Quite a few organizations are supporting the initiative including the Electronic Frontier Foundation.  Others including Open Garden are introducing new technologies that make it easier to share bandwidth between devices or people.

This is important because it is yet another way that the Internet can route around obsticles.  The Internet is naturally suited to find the best (easiest / cheapest) way round a blockage and we all need to do what we can to support that kind of thinking.  If the Information Superhighway becomes a toll road, we all lose.

See the Ice - While You Still Can

I was lucky enough to see the big glaciers in action in 2008 when we did the inside passage trip including Glacier Bay.  If you have not been to SE Alaska - I highly recommend it.

This is a picture I took of the Marjorie glacier in Glacier Bay.

The movie Chasing Ice, opening this weekend in Seattle at the Egyptian Theater, is an incredible film that gets you right up close to many of the big glaciers in the northern hemisphere.  It is a good reminder of the absolute majesty of our earth, and an inspiration to go and see for yourself.

If you are not a documentary person, check out this review by Roger Ebert.  He will help you get past any preconceived notions of this film genre.

Earlier this week I attended an advanced screening of the movie in San Francisco and met James Balog and learned more about the project and Extreme Ice Survey, his foundation that is continuing the work chronicled in the film.  Mr. Balog and his dedicated crew are modern day heroes and people we can all look up to as they work to do something for us and for our planet.  

You just may find yourself feeling like you would like to do something for the cause after watching the film.  If so, there is a donate button on the Extreme Ice Survey website -- making it super easy to take action.  

 

Let's Get Started - You Know, Now!

I just had the pleasure of attending the Audacious Philanthropy conference in Portland.  It was an electric collection of 300 people getting jacked up about being changemakers.  With a limitless supply of things that need changing there was a whole lot to talk about.

Education is my big issue and many people at the conference shared my desire to improve education in the US of A.  Some people wanted to change the current educators, some wanted supplement them, and some wanted to replace them all together.  I didn't do any kind of survey, but three quarters of the people at the conference seemed to be on the education track.  Next most prevalent was talk about SVP itself, how to get the message out, how to grow it, and how to increase effectiveness.   Finally, there was a fair amount of discussion about the way many organizations pursue their missions and at the same time work together towards a common goal -- otherwise know as collective impact.

My favorite line was from Matt Flannery, Founder of Kiva when he said that he learned more on the first day after he decided to start Kiva than he did in the entire year he spent writing the business plan.  Imagine how much more we could have done if we started a year earlier. (not a direct quote, but more or less)

Dan Pallotta did a great job presenting his ideas about how philanthropy is broken in our country.  As with many great speakers he had a way of boiling down big thoughts into easy to remember sentences.  Here are a few of my favorites:

  • If we DON'T want to solve problems, we have a system that works remarkably well.
  • Non profits is where we do our penance for making money.
  • Never underestimate the ability of humans to not think about something.
  • It took us 50 years to put wheels on suitcases.
Here are a few other items from my notes:
  • Read "Charity Case" by Dan Pallotta
  • Look into the National Student Clearinghouse for effectiveness data
  • Teachers are surprised and inspired to change when they see the effectiveness data
  • All schools can track student performance and all schools say they cannot
  • Schools hate data because they have been shamed by it (over and over)
  • Check out HomeKeeper and the involvement of Salesforce.com
  • Check out The Learning Accelerator and Scott Ellis and Innosite.

It was a great event.  I will go again next year without a doubt.

 

 

My Favorite Line from Obama's Speech

My favorite line from Obama's acceptance speech is:

I am hopeful tonight because I’ve seen the spirit at work in America. I’ve seen it in the family business whose owners would rather cut their own pay than lay off their neighbors, and in the workers who would rather cut back their hours than see a friend lose a job.

I have had the joy of knowing people that do these things.  They cannot be recognized enough.  At my company we have had people donate vacation hours to a co-worker with cancer, deliver food and clothing to typhoon victims, and collect gifts for less fortunate children during the holidays.  

These people are true American heroes.  I am proud to have had the chance to work with them.  These last four years have been tough for most of us in America and along the way we have had to beat back the looters and other self dealers.  These parasites are not just on Wall Street, but all around us.  Let's not let the shadow of people who would put themselves first take us down.

Here is a link to the full transcript.  No matter your politics, it is worth reading.

Congratulations Mr. President

Tonight is your night to celebrate. You may already have a to do list for tomorrow. If not, let me help you get off on the right foot.

  1. Get a New Treasury Secretary. Nothing has been more damaging to you, or the people of the country than the string of Treasury Secretaries that were self dealing and corrupt. They are hurting the citizens of our country and setting a poor example for the rest of the world. 
  2. End the Red Blue Divide. We have not seen any evidence of any desire to work with Republicans. Getting rid of Rahm Emanuel was a great step. Now do the real work of sharing the process and the credit.
  3. End the Racial Divide. You are the one that can bring the races together. The voting in this election will prove to be more divided racially than ever before. I don't know what to do specifically, but this is very important and we cannot let this moment pass.
There are many more things to do with foreign policy, national debt, china, and of course jobs. Good luck and our prayers are with you.

Getting Scrooged

Charles Dickens did not say how Ebenezer Scrooge got to be so crabby as to deserve to be described like this: "The cold within him froze his old features, nipped his pointed nose, made his eyes red, his thin lips blue, and he spoke out shrewdly in his grating voice ..."

Maybe it had something to do with the election process or the legal system.  This year's run up to the election has been long and it seems even more painful than before.  So I can understand that sentiment.  And our legal system... that is a story for another day.

There are legions of people that have worked very very hard to get initiative 1240 on the ballot this year and even more that have worked night and day to get it passed.  Very few, if any, of those people will benefit directly from the passage of the initiate except in one simple way:  the chances for educational success of lower income students in Washington State will improve -- after all it is just plain improbable that their chances could get worse!

If it fails, everyone who has worked so hard would be justified in turning cold and Scroogie and asking themselves, why on earth do I do these things?

Yes I know that we are likely to win and that is awesome.  Yes I know that being negative is poor form and demoralizing.  Yes I know that I should say that if we fail we will carry the fight forward.

Boy do I hope we win so we can get on to rebooting the school system in our lifetimes.

 

Tomorrow We Could be the 42nd State to Get Charter Schools

Tomorrow is election day and I am quite interested to see how things are going to work out.  I am always interested in election results, but this year I am heavily invested in our local initiative for charter schools -- initiative 1240.  My interest is not personal in that my kids will be out of school by the time the first charter school goes into operation.  However I am working hard to pass I-1240 because I think it is vital that we figure out how to do a better job educating people in our state.  I have learned some interesting things as I have worked to support I-1240.

  1.  The Importance of Education:  I have been amazed at how many people I talk to are not interested in I-1240 because they don't have school age kids, or their kids already go to a great school.  I fear I never was all that convincing when trying to share my enthusiasm for creating a more competitive Washington State.  I wish I had figured out a better way to explain why I think they are connected.
  2. Philanthropy is Misunderstood:  Opponents have worked to condemn the initiative because it has been supported by rich white guys like the co-founders of Microsoft, and other famous techies.  The idea that these guys actually want to improve our state is hard to accept I guess.  Charter schools mostly serve the people with very few educational options.  The rich philanthropists are already among the 25% of parents in our area that send their kids to private schools.  They will not directly benefit from this initiative.  
  3. Catching Up or Blazing a Trail:  Going into this I thought it would be pretty easy to convince people to vote for the initiative because 41 other states already had charter schools and there are many incredible success stories.  I have been surprised to learn that our voters have no problem blazing a trail on the legalization of marajuana which currently leads 53-44 in the polls.  The approval numbers for charter schools are about the same.

All together I am delighted that the numbers look good for Initiative 1240 and I am greatful to all of you that are going to make sure to vote for the future of our State of Washington.

Interesting Trends

We have arrived at that season where the list of predictions for 2013 will start to pile up.  I find them interesting reading, but I have not felt that I have much to add to the pile, so mostly I just read instead of making a list of my own.  

This year however, I will be taking note of a handful of trends that seem to capture my interest.  I see tend to read articles about these things and I just might have some thoughts congealing into a theory that brings them together.  

For now though, just the trends:

 

  1. Education:  One of our greatest exports to the rest of the world is educated people from our university system.  Why do we get that right and K-12 is seeming to fall farther and farther behind?
  2. Big Data:  Technically big data is just a lot of data.  Specifically, it is the ability for systems to capture and save everything.  Before big data we used to keep track of the closing price of a stock, then we stored the closing price and the high and low price for the day, big data is storing every single trade, who made the trades, their sequence…
  3. Internet of Things:  There are between one and two billion people connected to the Internet.  Devices and sensors are being added to the network by the billions and probably already outnumber the people.  Soon the number of connected machines will dwarf people and the Internet will change significantly.
  4. Vendor Relationship Management:  The relationship between the makers of things and their customers has been mostly one way and managed by the manufacturer, with CRM systems.  This relationship dynamic has been evolving through 1:1 marketing to an inversion of CRM where the customer is in charge and the vendor is managed.  The Berkman Center at Harvard is defining a new industry called Vendor Relationship Management (VRM).
  5. Digital Divide:  The people at the top of the economic ladder will advance ahead of the rest in earning capacity, lifespan, leisure time, and as a result will desire many new services. Those not at the top will have to serve the others or live off of charity or government assistance.  The gulf between the haves and the have nots is getting bigger in our country and around the world.  Right now the unemployment rate for white college graduates in the US is 4%.  Other social classes or ethnicities are much worse -- some over 25%.  It is hard to think about things getting even worse.

Of course the current year always feels like the one that is moving faster than ever before and 2013 will certainly feel the speediest ever.  In this context, and considering this list, it will be an interesting exercise to do the Gretsky thing and skate to where the puck is going to be.  It will be even more interesting to take a shot -- because the other famous Gretsky quote is: "You miss 100% of the shots you don't take."