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Money Moments: Simple Steps to Financial Well-Being by Jason Butler
Albert Einstein, asset allocation, buy and hold, Cass Sunstein, diversified portfolio, estate planning, financial independence, fixed income, happiness index / gross national happiness, index fund, intangible asset, longitudinal study, loss aversion, Lyft, Mark Zuckerberg, mortgage debt, passive income, placebo effect, Richard Thaler, ride hailing / ride sharing, Steve Jobs, time value of money, traffic fines, Travis Kalanick, Uber and Lyft, uber lyft, Vanguard fund, Yogi Berra
The researchers matched spending categories on the “Big Five” personality traits – openness to experience (artistic versus traditional), conscientiousness (self-controlled vs easy-going), extraversion (outgoing vs reserved), agreeableness (compassionate vs competitive), and neuroticism (prone to stress vs stable). CATEGORIES WITH THE LOWEST AND HIGHEST SCORES ON EACH OF THE BIG FIVE PERSONALITY TRAITS THE BIG FIVE LOW HIGH Openness to experience Traffic fines, residential mortgages Entertainment, hair and beauty Conscientiousness Gambling, toys and hobbies Home insurance, health and fitness Extraversion Home insurance, accountant fees Entertainment, travel Agreeableness Traffic fines, gambling Charities, pets Neuroticism Stationery, hotels Traffic fines, gambling Source: Cambridge University To identify which of the ‘big five’ personality types you are you can take a free online test – https://www.truity.com/test/big-five-personality-test – which takes only five minutes and there is no need to register or complete the political questions.
Why We Drive: Toward a Philosophy of the Open Road by Matthew B. Crawford
1960s counterculture, Airbus A320, airport security, augmented reality, autonomous vehicles, Bernie Sanders, Boeing 737 MAX, British Empire, Burning Man, call centre, collective bargaining, crony capitalism, deskilling, digital map, don't be evil, Donald Trump, Elon Musk, en.wikipedia.org, Fellow of the Royal Society, gig economy, Google Earth, hive mind, income inequality, informal economy, Internet of things, Jane Jacobs, labour mobility, Lyft, Network effects, New Journalism, New Urbanism, Nicholas Carr, Ponzi scheme, Ralph Nader, ride hailing / ride sharing, Ronald Reagan, Sam Peltzman, security theater, self-driving car, sharing economy, Shoshana Zuboff, Silicon Valley, smart cities, social graph, social intelligence, Stephen Hawking, technoutopianism, the built environment, The Death and Life of Great American Cities, the High Line, too big to fail, traffic fines, Travis Kalanick, Uber and Lyft, Uber for X, uber lyft, Unsafe at Any Speed, urban planning, Wall-E, Works Progress Administration
They found that “the city routinely placed cameras at intersections that had few if any injury-related crash problems, leaving the cameras little room to improve safety. At the same time, experts found, the unnecessary cameras at more than 70 intersections prompted many drivers to slam on the brakes in efforts to avoid an automated ticket, causing a significant increase in injury-related rear-end crashes near cameras throughout the city.” In 2016, the paper reported that “most of those cameras are still snapping photos—and raking in millions of dollars in traffic fines for City Hall—even though Mayor Rahm Emanuel and his transportation chief were given scientific evidence more than a year ago that showed many of the cameras are causing more injuries than they prevent.”3 The firm that installed the cameras, Redflex Traffic Systems, is based in Australia. Now, a company from outside Cook County, to say nothing of another continent, doesn’t just go waltzing into Chicago hoping to make big money without first establishing the right . . . relationships.
The case of Chicago, with its cast of colorful characters out of a David Mamet movie, risks diverting us from a more general truth of municipal finance: cities become hooked on any increase in revenue, and have a hard time revising automated traffic enforcement systems, even after their perverse effects have been demonstrated—or even allowing them to be debated in official circles.5 In 2017, the District of Columbia anticipated collecting more than $837 million in traffic fines and fees over the next five years.6 There is a generalization to be drawn from these cases. Sometimes rules are deliberately formulated to be at odds with reasonableness, by parties who have an interest in the conflict this creates. Manipulating amber times is an especially easy way to do this, but there are other tricks of the trade. The “geometric” elements of a road (lane width, shoulder width, curvature, grade) influence how we drive.
“Perhaps more significant, the study concluded that the cameras did not reduce T-bone crashes at those intersections that had fewer than four such crashes per year before the cameras were installed. And the lack of safety benefits likely means that the increase in rear-enders made those intersections more dangerous for Chicago drivers. “The Tribune found 73 camera-equipped intersections throughout the city that fit that criteria. Those cameras have earned the city more than $170 million in traffic fines since the program began.” David Kidwell and Abraham Epton, “Red Light Verdict Casts Harsh Light on Rationale for Cameras,” Chicago Tribune, January 30, 2016, http://www.chicagotribune.com/news/watchdog/redlight/ct-chicago-red-light-cameras-met-0131-20160129-story.html. 4.David Kidwell, “Red Light Camera Trial Offers Rare Insight into City Hall Intrigue,” Chicago Tribune, January 22, 2016, https://www.chicagotribune.com/investigations/ct-red-light-camera-trial-0124-20160122-story.html. 5.Yeshim Taylor, director of the DC Policy Center, said, “Were the automated traffic enforcement revenue to go down, we could make up for it through our larger portfolio of taxes.
Policing the Open Road by Sarah A. Seo
American Society of Civil Engineers: Report Card, barriers to entry, Ferguson, Missouri, jitney, mandatory minimum, mass incarceration, Panopticon Jeremy Bentham, profit motive, strikebreaker, the built environment, traffic fines, War on Poverty
Also tragic is that the themes of poverty and race in the criminal justice system are all too common.6 But another motif, although unnamed, loomed throughout the article. The automobile appeared in nearly every significant setback in Bland’s life. Exorbitant traffic tickets that Bland paid for by “sitting out” in jail. Convictions for driving under the influence and arrest warrants for unpaid traffic fines that severely limited her employment options. Charges for possessing marijuana—her lawyer suspected that Bland was self-medicating—that the police discovered in her car. The automobile stood in the background in The Nation’s biography of Bland, but it played a prominent role as a site of violence, poverty, and discrimination. The overpolicing of cars is a fact of life for people of color in America.
But his recommendations for effective law enforcement, like Vollmer’s suggestions and the golden rule, instilled in patrol officers that they had discretion and that in many circumstances it would be wise for them to exercise their judgment.49 Traffic cops were aware of their discretionary power even without being told they possessed it. Every hour on patrol, they chose some individuals for the criminal process while letting others go scot free for equivalent transgressions. They experienced control whenever they stopped out-of-towners who could ill afford to spend a day in court far from home. As late as the 1940s, many cities had a policy of arresting nonresidents because they were unlikely to collect traffic fines once the violator had left the state. Many untold passing tourists surely submitted to any demand in order to continue their journey without further ado. Because of the potential misuse of power, one traffic expert’s guidelines for police specified that “no amount of abuse by the offender should influence the officer to give an appearance notice if it was originally decided to give a warning notice.”
The Supreme Court recently held that the police may administer a breath test, but not a blood test, without a warrant as a search incident to arrest for drunk driving. Birchfield v. North Dakota, 136 S. Ct. 2160 (2016). 21. Reich, “New Property,” 741–742, 748–749, 754, 776. 22. This is still true today. Some states suspend driver’s licenses for unsatisfied debts stemming from criminal cases and traffic fines, creating a cycle of debt. People with suspended licenses are forced to drive anyway in order to commute to work to pay off those debts, but then they get hit with more fines for “driving while suspended.” For the undocumented, the choices are just as limited and the consequences especially dire. Shaila Dewan, “Driver’s License Suspensions Create Cycle of Debt,” NYT, April 14, 2015. 23. On the necessity of cars in American society, see Andres Duany, Elizabeth Plater-Zyberk, and Jeff Speck, Suburban Nation: The Rise of Sprawl and the Decline of the American Dream (New York: North Point, 2000), 115–133. 24.
Hell's Angels: A Strange and Terrible Saga by Hunter S. Thompson
A more accurate comment on the nature of the Hollister “riot” is the fact that a hastily assembled force of only twenty-nine cops had the whole show under control by noon of July 5. By nightfall the main body of cyclists had roared out of town, in the best Time style, to seek new nadirs in sordid behavior. Those who stayed behind did so at the request of the police; their punishment ranged from $25 traffic fines to ninety days in jail for indecent exposure. Of the 6,000 to 8,000 people supposedly involved in the fracas, a total of 50 were treated for injuries at the local hospital. (For a better perspective on motorcycle riots it helps to keep in mind that more than 50,000 Americans die each year as the result of automobile accidents.) Nobody has ever accused the Hell’s Angels of wanton killing, at least not in court … but it boggles the nerves to consider what might happen if the outlaws were ever deemed legally responsible for even three or four human deaths, by accident or otherwise.
To them all comparisons are either presumptuous or insulting. “There’s only two kinds of people in the world,” Magoo explained one night. “Angels, and people who wish they were Angels.” Yet not even Magoo really believes that. When the party swings right, with plenty of beer and broads, being an Angel is a pretty good way to go. But on some of those lonely afternoons when you’re fighting a toothache and trying to scrape up a few dollars to pay a traffic fine and the landlord has changed the lock on your door until you pay the back rent … then it’s no fun being an Angel. It’s hard to laugh when your teeth are so rotten that they hurt all the time and no dentist will touch you unless the bill is paid in advance. So it helps to believe, when the body rot starts to hurt, that the pain is a small price to pay for the higher rewards of being a righteous Angel.
Liars and Outliers: How Security Holds Society Together by Bruce Schneier
airport security, barriers to entry, Berlin Wall, Bernie Madoff, Bernie Sanders, Brian Krebs, Broken windows theory, carried interest, Cass Sunstein, Chelsea Manning, commoditize, corporate governance, crack epidemic, credit crunch, crowdsourcing, cuban missile crisis, Daniel Kahneman / Amos Tversky, David Graeber, desegregation, don't be evil, Double Irish / Dutch Sandwich, Douglas Hofstadter, experimental economics, Fall of the Berlin Wall, financial deregulation, George Akerlof, hydraulic fracturing, impulse control, income inequality, invention of agriculture, invention of gunpowder, iterative process, Jean Tirole, John Nash: game theory, joint-stock company, Julian Assange, longitudinal study, mass incarceration, meta analysis, meta-analysis, microcredit, moral hazard, mutually assured destruction, Nate Silver, Network effects, Nick Leeson, offshore financial centre, patent troll, phenotype, pre–internet, principal–agent problem, prisoner's dilemma, profit maximization, profit motive, race to the bottom, Ralph Waldo Emerson, RAND corporation, rent-seeking, RFID, Richard Thaler, risk tolerance, Ronald Coase, security theater, shareholder value, slashdot, statistical model, Steven Pinker, Stuxnet, technological singularity, The Market for Lemons, The Nature of the Firm, The Spirit Level, The Wealth of Nations by Adam Smith, The Wisdom of Crowds, theory of mind, too big to fail, traffic fines, transaction costs, ultimatum game, UNCLOS, union organizing, Vernor Vinge, WikiLeaks, World Values Survey, Y2K, zero-sum game
This is even more important when dealing with corporations; there are many examples of fines being so small as to be viewed as an incidental cost of doing business. We'll talk about this more in Chapter 13. Fixed financial penalties are regressive. Like everything else about the speeding trade-off, the cost of a speeding ticket is relative. If you're poor, a $100 speeding ticket is a lot of money. If you're rich, it's a minor cost of the trip.6 Finland, Denmark, and Switzerland address the problem by basing traffic fines on the offender's income. Wealthy people in those countries have regularly been issued speeding tickets costing over $100,000. You might disagree with the system as a matter of policy, but it certainly is a more broadly effective societal pressure. Jail time for speeders accomplishes much the same thing. There are two basic ways the law can prescribe financial penalties. It can pass a direct law, or it can institutionalize liabilities.
Wells (2000), “The Characteristics of Speeders,” Road Safety Division, Department of the Environment, Transport and the Regions, TRL Report. Saranath Lawpoolsri, Jingyi Li, and Elisa R. Braver (2007), “Do Speeding Tickets Reduce the Likelihood of Receiving Subsequent Speeding Tickets? A Longitudinal Study of Speeding Violators in Maryland,” Traffic Injury Prevention, 8:26–34. uninsured drivers Ray Massey (23 Nov 2010), “Uninsured Drivers Kill 160 People a Year but Face Inadequate Fines as Low as £50,” Daily Mail. basing traffic fines British Broadcasting Corporation (14 Jan 2002), “Nokia Boss Gets Record Speeding Fine,” BBC News. British Broadcasting Corporation (10 Feb 2004), “Finn's Speed Fine Is a Bit Rich,” BBC News. Jason Paur (8 Jan 2010), “Swiss Slap Speeder With $290K Fine,” Wired. British Broadcasting Corporation (12 Aug 2010), “Swede Faces World-Record $1m Speeding Penalty,” BBC News. tax the use of antibiotics Infectious Diseases Society of America (2011), “Combating Antimicrobial Resistance: Policy Recommendations to Save Lives,” Clinical Infectious Diseases, 52 (suppl. 5): S397–428.
The Rich and the Rest of Us by Tavis Smiley
affirmative action, Affordable Care Act / Obamacare, back-to-the-land, Bernie Madoff, Bernie Sanders, Buckminster Fuller, Corrections Corporation of America, Credit Default Swap, death of newspapers, deindustrialization, ending welfare as we know it, F. W. de Klerk, fixed income, full employment, housing crisis, Howard Zinn, income inequality, job automation, liberation theology, Mahatma Gandhi, mass incarceration, mega-rich, Nelson Mandela, new economy, obamacare, Occupy movement, plutocrats, Plutocrats, profit motive, Ralph Waldo Emerson, Ronald Reagan, shareholder value, Silicon Valley, Steve Jobs, traffic fines, trickle-down economics, War on Poverty, We are the 99%, white flight, women in the workforce, working poor
In The New Jim Crow, Alexander details how those who are released from prison and lucky enough to land a minimum-wage job are automatically required to pay back accumulated child support incurred while in prison, the cost of imprisonment—including court costs and processing fees—and, in some states, the cost of representation. With these dues being 100 percent garnishable, it’s little wonder that 70 percent of former prisoners are returned to prison within three years.79 For decades, most Americans have turned a blind eye to the injustices of the justice system. What has not been given much thought, regrettably, is the link between poverty and prisons. Prison becomes a real possibility when people can’t pay traffic fines, miss child support payments and court dates, and start bouncing checks. As previously stated, more than 6 million people rely on food stamps as their only source of income. When faced with the decision to buy food or sell some of their stamps for gas, utility bills, or medicine, many honest Americans opt for the latter. In a Colorlines magazine article, “Selling Food Stamps for Kids Shoes” (February 16, 2010), writer Seth F.
The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness by Morgan Housel
"side hustle", airport security, Amazon Web Services, Bernie Madoff, business cycle, computer age, coronavirus, discounted cash flows, diversification, diversified portfolio, Donald Trump, financial independence, Hans Rosling, Hyman Minsky, income inequality, index fund, invisible hand, Isaac Newton, Jeff Bezos, Joseph Schumpeter, knowledge worker, labor-force participation, Long Term Capital Management, margin call, Mark Zuckerberg, new economy, Paul Graham, payday loans, Ponzi scheme, quantitative easing, Renaissance Technologies, Richard Feynman, risk tolerance, risk-adjusted returns, Robert Gordon, Robert Shiller, Robert Shiller, Ronald Reagan, Stephen Hawking, Steven Levy, stocks for the long run, the scientific method, traffic fines, Vanguard fund, working-age population
The answer is simple: The price of investing success is not immediately obvious. It’s not a price tag you can see, so when the bill comes due it doesn’t feel like a fee for getting something good. It feels like a fine for doing something wrong. And while people are generally fine with paying fees, fines are supposed to be avoided. You’re supposed to make decisions that preempt and avoid fines. Traffic fines and IRS fines mean you did something wrong and deserve to be punished. The natural response for anyone who watches their wealth decline and views that drop as a fine is to avoid future fines. It sounds trivial, but thinking of market volatility as a fee rather than a fine is an important part of developing the kind of mindset that lets you stick around long enough for investing gains to work in your favor.
Lonely Planet Cancun, Cozumel & the Yucatan (Travel Guide) by Lonely Planet, John Hecht, Sandra Bao
Bartolomé de las Casas, carbon footprint, colonial rule, illegal immigration, income inequality, low cost airline, low cost carrier, mass immigration, Skype, sustainable-tourism, trade route, traffic fines
They are generally in much better condition and a lot quicker than the alternative free roads. Driving during the rainy season (usually from May to October) can be challenging to say the least, especially along dirt roads in rural and coastal areas. Be especially wary of Alto (Stop) signs and speed bumps (called topes, vibradores or reductores de velocidad) and holes in the road. They are often not where you’d expect and missing one can cost you a traffic fine or car damage. Speed bumps are also used to slow traffic on highways that pass through built-up areas – they are not always signed and some of them are severe! Driving on a dark night is best avoided since unlit vehicles, rocks, pedestrians and animals on the roads are common. Also, hijacks and robberies can occur (stay particularly alert while driving in the vicinity of the Mexico-Guatemala border).
If this happens, stay calm and polite and don’t be in a hurry. You don’t have to pay a bribe, and corrupt cops would rather not work too hard to obtain one. You can also ask to see documentation about the law you have supposedly broken, ask for the officer’s identification, ask to speak to a superior, and/or note the officer’s name, badge number, vehicle number and department (federal, state or municipal). Pay any traffic fines at a police station and get a receipt, then if you wish to make a complaint head for a state tourist office. Hitchhiking Hitchhiking is never entirely safe in any country and even in Mexico’s relatively safe Yucatán region it’s best avoided. Travelers who decide to hitch should understand that they are taking a small, but potentially serious, risk. Keep in mind that kidnappings for ransom can – and do – happen in Mexico.
My Start-Up Life: What A by Ben Casnocha, Marc Benioff
affirmative action, Albert Einstein, barriers to entry, Bonfire of the Vanities, business process, call centre, coherent worldview, creative destruction, David Brooks, don't be evil, fear of failure, hiring and firing, index fund, informal economy, Jeff Bezos, Joan Didion, Lao Tzu, Menlo Park, Paul Graham, place-making, Ralph Waldo Emerson, Sand Hill Road, side project, Silicon Valley, social intelligence, Steve Jobs, Steven Pinker, superconnector, technology bubble, traffic fines, Year of Magical Thinking
The 1990s technology bubble had burst and there were quite a few entrepreneurs doing some serious thinking . . . only theirs was disbelief over how they could have blown through $50M in a couple years, whereas mine was whether I wanted to really be someone different or instead spend more time with school friends talking about who were the hottest girls. (If you don’t remember sixth-seventheighth grades, this is the focus of most boy-to-boy conversations.) By August I realized I had learned a lot about how government works and how entrepreneurs create companies. Unlike the many Americans who aren’t sure how income taxes, property taxes, or traffic fines are spent, I had a growing understanding of our state and local government system. I appreciated the tireless, if sometimes inefficient, work of public servants, especially after a thirtyminute harangue from a traffic engineer who described in bloody detail how he had placed sensors under the road to time the red light exactly . . . all in response to my client’s complaint. On the business side, I learned the difference between a sole proprietorship and a corporation.
How Cycling Can Save the World by Peter Walker
active transport: walking or cycling, bike sharing scheme, Boris Johnson, car-free, correlation does not imply causation, Enrique Peñalosa, Intergovernmental Panel on Climate Change (IPCC), Kickstarter, meta analysis, meta-analysis, New Journalism, New Urbanism, post-work, publication bias, the built environment, traffic fines, transit-oriented development, urban planning
Lanes marked with just paint won’t do it. In fact there’s evidence that in some cases this can be worse than nothing. Perhaps the biggest such leap of faith was London’s first generation of so-called Cycle Superhighways, launched amid some fanfare in 2010 as a network of quick commuting routes radiating out from the city center. These were delineated by just a bright blue strip, with nothing beyond the slight possibility of a traffic fine to keep cars and trucks out. This brought inevitable and very occasionally tragic results. A coroner examining the deaths of two cyclists on the routes warned that a painted lane could “lull riders into a false sense of security.”11 After another fatality, my newspaper sent me out to make a film, showing what it was like to ride the painted superhighway.12 It was fairly basic—me giving a running commentary to the ride into a clip microphone while a series of GoPro action cameras strapped to me and the bike showed the scene—but the eventual footage of vans and trucks whizzing past and veering across me into the paint demarcation was eloquent.
Nothing to Hide: The False Tradeoff Between Privacy and Security by Daniel J. Solove
Albert Einstein, cloud computing, Columbine, hindsight bias, illegal immigration, invention of the telephone, Marshall McLuhan, national security letter, security theater, the medium is the message, traffic fines, urban planning
Athan surely wouldn’t supply it voluntarily. Over in New Jersey, where Athan was now living, he received a letter from the law firm Wingstrand Hargrove Kinner. He was happy to learn that he was entitled to some money. The letter stated: I 111 Constitutional Rights Dear Mr. Athan, A class action lawsuit has been filed against several Washington State counties and cities. These lawsuits are based on the over charging of traffic fines by local municipalities between the dates of 1987 and 1994. The records that we received indicate you may be due compensation from this over billing. The compensation may include reimbursement of fines paid, interest due and damages. You must respond by March 21, 2003 to confirm that you wish to be included in the class membership. You may consent to be a member by signing the enclosed form and mailing by the deadline date.
Kingpin: How One Hacker Took Over the Billion-Dollar Cybercrime Underground by Kevin Poulsen
Apple II, Brian Krebs, Burning Man, corporate governance, dumpster diving, Exxon Valdez, Hacker Ethic, hive mind, index card, Kickstarter, McMansion, Mercator projection, offshore financial centre, packet switching, pirate software, Ponzi scheme, Robert Hanssen: Double agent, Saturday Night Live, Silicon Valley, Steve Jobs, Steve Wozniak, Steven Levy, traffic fines, web application, WikiLeaks, zero day, Zipcar
With credit for time served and good behavior, he’d be out just before Christmas 2018. Almost nine years in prison were still ahead of him. At the time it was the longest U.S. sentence ever handed out to a hacker. 36 Aftermath y the time Max was sentenced, the Secret Service had identified the mystery American hacker who’d made Maksik into the world’s top carder, and he was poised to get a sentence that would make Max’s look like a traffic fine. The big break in the case came from Turkey. In July 2007, the Turkish National Police learned from the Secret Service that Maksik, twenty-five-year-old Maksym Yastremski, was vacationing in their country. An undercover Secret Service operative lured him to a nightclub in Kemer, where police arrested Yastremski and seized his laptop. The police found the laptop hard drive impenetrably encrypted, just as when the Secret Service performed its sneak-and-peek in Dubai a year earlier.
Fodor's Madrid and Side Trips by Fodor's
Europcar (902/105030 in Spain | www.europcar.es). Hertz (800/654–3001, 902/402405 in Spain | www.hertz.com). National Car Rental/Atesa (800/227–7368, 902/100101 in Spain | www.atesa.es). Pepe Car(807/414243 in Spain | www.pepecar.com). Your own driver’s license is valid in Spain, but U.S. citizens are highly encouraged to obtain an International Driving Permit (IDP). The IDP may facilitate car rental and help you avoid traffic fines—it translates your state-issued driver’s license into 10 languages so officials can easily interpret the information on it. Permits are available from the American Automobile Association. Driving is the best way to see Spain’s rural areas. The main cities are connected by a network of excellent four-lane divided highways (autovías and autopistas), which are designated with the letter A and have speed limits—depending on the area—of between 80 kph (50 mph) to 120 kph (74 mph).
Life as a Passenger: How Driverless Cars Will Change the World by David Kerrigan
3D printing, Airbnb, airport security, Albert Einstein, autonomous vehicles, big-box store, butterfly effect, call centre, car-free, Cesare Marchetti: Marchetti’s constant, Chris Urmson, commoditize, computer vision, congestion charging, connected car, DARPA: Urban Challenge, deskilling, disruptive innovation, edge city, Elon Musk, en.wikipedia.org, future of work, invention of the wheel, Just-in-time delivery, loss aversion, Lyft, Marchetti’s constant, Mars Rover, megacity, Menlo Park, Metcalfe’s law, Minecraft, Nash equilibrium, New Urbanism, QWERTY keyboard, Ralph Nader, RAND corporation, Ray Kurzweil, ride hailing / ride sharing, Rodney Brooks, Sam Peltzman, self-driving car, sensor fusion, Silicon Valley, Simon Kuznets, smart cities, Snapchat, Stanford marshmallow experiment, Steve Jobs, technoutopianism, the built environment, Thorstein Veblen, traffic fines, transit-oriented development, Travis Kalanick, Uber and Lyft, Uber for X, uber lyft, Unsafe at Any Speed, urban planning, urban sprawl, Yogi Berra, young professional, zero-sum game, Zipcar
Technology has already impacted revenues with apps designed to make it easier for people to comply with regulation - Even the seemingly small advance such as the ability to pay for parking meters via an App a led to a $6 million decrease in ticket revenue in Washington, D.C., in one year. This could very well revolutionize traffic regulation and management. While State and local governments, for example, would lose the revenue from traffic fines, their payrolls might also shrink as demand for highway patrol officers plummets and court time is freed up from having to deal with traffic offenses. Authorities may still seek to replace the lost revenue—perhaps with infrastructure usage fees? Traffic citations make a very significant contribution to local governments. The city of Chicago installed red-light and speeding cameras in 2003 and according to the Chicago Sun-Times, the Windy City has raked in about $600 million in fines from the automated systems. Of course the regulatory imperative should be safety, not revenue.
Carjacked: The Culture of the Automobile and Its Effect on Our Lives by Catherine Lutz, Anne Lutz Fernandez
barriers to entry, car-free, carbon footprint, collateralized debt obligation, failed state, feminist movement, fudge factor, Gordon Gekko, housing crisis, illegal immigration, income inequality, inventory management, market design, market fundamentalism, mortgage tax deduction, Naomi Klein, Nate Silver, New Urbanism, oil shock, peak oil, Ralph Nader, Ralph Waldo Emerson, ride hailing / ride sharing, Thorstein Veblen, traffic fines, Unsafe at Any Speed, urban planning, white flight, women in the workforce, working poor, Zipcar
Gasoline alone can take a double-digit percentage of their income. They may drive with a broken windshield or a spare tire permanently on one wheel or they may periodically be without use of the car when it breaks down because they cannot afford the repairs. Parking tickets can push a person living on the edge out of automobility: a study of nondrivers in Milwaukee found that most of them lost their licenses or registrations due to unpaid traffic fines rather than for serious moving violations.8 In traffic court in Providence, Rhode Island, a large number of cases involve unpaid fines on cars needing repairs. As one of the defendants, a young Hispanic man in his early thirties, explained to the judge: “I received a ‘fix it’ ticket.” This was an $85 fine he was given because the policeman who pulled him over discovered his interior light was not working.
Falter: Has the Human Game Begun to Play Itself Out? by Bill McKibben
23andMe, Affordable Care Act / Obamacare, Airbnb, American Legislative Exchange Council, Anne Wojcicki, artificial general intelligence, Bernie Sanders, Bill Joy: nanobots, Burning Man, call centre, carbon footprint, Charles Lindbergh, clean water, Colonization of Mars, computer vision, David Attenborough, Donald Trump, double helix, Edward Snowden, Elon Musk, ending welfare as we know it, energy transition, Flynn Effect, Google Earth, Hyperloop, impulse control, income inequality, Intergovernmental Panel on Climate Change (IPCC), Jane Jacobs, Jaron Lanier, Jeff Bezos, job automation, life extension, light touch regulation, Mark Zuckerberg, mass immigration, megacity, Menlo Park, moral hazard, Naomi Klein, Nelson Mandela, obamacare, off grid, oil shale / tar sands, pattern recognition, Peter Thiel, plutocrats, Plutocrats, profit motive, Ralph Waldo Emerson, Ray Kurzweil, Robert Mercer, Ronald Reagan, Sam Altman, self-driving car, Silicon Valley, Silicon Valley startup, smart meter, Snapchat, stem cell, Stephen Hawking, Steve Jobs, Steve Wozniak, Steven Pinker, strong AI, supervolcano, technoutopianism, The Wealth of Nations by Adam Smith, traffic fines, Travis Kalanick, urban sprawl, Watson beat the top human players on Jeopardy!, Y Combinator, Y2K, yield curve
In the course of the twentieth century the Swedish stock market outperformed all others.) But it’s a remarkably different flavor of capitalism. In fact, if you wanted, you could call it democratic socialism. It comes with high taxes and generous social services, with thorough government regulation and a commitment to rough equality. (Just to give the smallest example, Scandinavians sensibly base traffic fines on a person’s annual income: a Finnish cell phone magnate recently paid $103,000 for riding his motorcycle the metric equivalent of forty-five miles per hour in a thirty-miles-per-hour zone.) The kind of capitalism turning America into a creepy jungle is very different: call it laissez-faire, or neoliberalism, or “getting government out of the way,” or being “corporate-friendly.” Whatever you call it, it’s a particularly rapacious variant that’s causing our current problem, one that’s worth careful study.
Lonely Planet Mexico by John Noble, Kate Armstrong, Greg Benchwick, Nate Cavalieri, Gregor Clark, John Hecht, Beth Kohn, Emily Matchar, Freda Moon, Ellee Thalheimer
AltaVista, Bartolomé de las Casas, Burning Man, call centre, clean water, colonial rule, glass ceiling, haute cuisine, illegal immigration, informal economy, low cost airline, low cost carrier, Mahatma Gandhi, New Urbanism, off grid, place-making, Rosa Parks, Rubik’s Cube, Skype, sustainable-tourism, trade route, traffic fines, urban sprawl, wage slave
They are often not where you’d expect, and missing one can cost you in traffic fines or car damage. ‘Tope’ or ‘Vibradores’ signs warn you of most speed bumps: the deadly ones are the ones with no warning signs! There is always the chance that you will be pulled over by Mexican traffic police for an imaginary infraction. If this happens, stay calm and polite. You don’t have to pay a bribe, and acting dumb and not understanding Spanish may eventually make the cop give up. You can also ask to see the officer’s identification and documentation about the law you have supposedly broken, ask to speak to a superior, and note the officer’s name, badge number, vehicle number and department (federal, state or municipal). Pay any traffic fines at a police station and get a receipt, then if you wish to make a complaint head for a state tourist office
Metro Tacubaya-Balderas-Escandón (pesero) Between Centro Histórico and Condesa, westbound via Puebla, eastbound via Durango (stops at Plaza San Juan; metro Balderas; metro Insurgentes; Parque España; Avenida Michoacán). Car & Motorcycle Touring Mexico City by car is strongly discouraged, unless you have a healthy reserve of stamina and patience. Even more than elsewhere in the country, traffic rules are seen as suggested behavior. Red lights may be run at will, no-turn signs are ignored and signals are seldom used. On occasion you may be hit with a questionable traffic fine, a routine means for traffic cops to increase their miserly salaries. Nevertheless, you may want to rent a car here for travel outside the city. Avoid parking on the street; most midrange and top-end hotels have guest garages. DRIVING RESTRICTIONS To help combat pollution, Mexico City operates its ‘Hoy No Circula’ (Don’t Drive Today) program, banning many vehicles from being driven in the city between 5am and 10pm on one day each week.
This should make it clear that you merely want a piece of paper, and you should get it without too much trouble. If Mexican police wrongfully accuse you of an infraction (as they have been known to do in the hope of obtaining a bribe), you can ask for the officer’s identification, to speak to a superior or to be shown documentation about the law you have supposedly broken. You can note the officer’s name, badge number, vehicle number and department (federal, state or municipal). Pay any traffic fines at a police station and get a receipt, then make your complaint at Sectur or a state tourist office. Return to beginning of chapter MAPS GeoCenter, Nelles, ITM and the AAA (American Automobile Association) all produce good country maps of Mexico that are suitable for travel planning and available internationally for between US$6 and US$15. The GeoCenter map is recommended for its combination of relief shading, archaeological sites, national parks, roads (graded by quality) and settlements (graded by size).
On the Run: Fugitive Life in an American City by Alice Goffman
Beyond her efforts to protect the man in question, the police make it clear to a woman that many of her routine practices and everyday behaviors are grounds for arrest. Over the course of raids and interrogations, the officers make women realize that their daily lives are full of crimes, crimes the police are well aware of, and crimes that carry high punishments, should the authorities feel inclined to pursue them. When the police came for Mike’s cousin, they told his aunt that the property taxes she hadn’t paid and some long-overdue traffic fines constituted tax evasion and contempt of court. The electricity that she was getting from her neighbor two doors down, via three joined extension cords trailed through the back alley (because her own electricity had long been cut off, and for the use of which she was babysitting her neighbor’s two children three times a week), constituted theft, a public hazard, and a violation of city code. The police also explain to a woman that she can be charged for the man’s crimes.
With a Little Help by Cory Efram Doctorow, Jonathan Coulton, Russell Galen
autonomous vehicles, big-box store, Burning Man, call centre, carbon footprint, death of newspapers, don't be evil, game design, Google Earth, high net worth, lifelogging, margin call, Mark Shuttleworth, offshore financial centre, packet switching, Ponzi scheme, rolodex, Sand Hill Road, sensible shoes, skunkworks, Skype, traffic fines, traveling salesman, Turing test, urban planning, Y2K
McCavity should disavow any technical expertise, since that's what we've been saying all along. If she's getting stuck in traffic, it's because there's a lot of traffic. The ant-nets route five thousand percent more traffic than our nation's highways ever accommodated without them, and they've increased the miles-per-hour-per-capita-per-linear-mile by six thousand, four hundred percent. You're stuck in traffic? Fine. I get stuck sometimes too. But for every hour you spend stuck today, you're saving hundreds of hours relative to the time your parents spent in transit. 1123 "The other side of this debate are asking for something impossible: they want us to modify the structure of the network, which is a technical construct, built out of bits and equations, to accommodate a philosophical objective. They assert that this is possible, but it's like listening to someone assert that our democracy would be better served if we had less gravity, or if two plus two equaled five.
Inside the Nudge Unit: How Small Changes Can Make a Big Difference by David Halpern
Affordable Care Act / Obamacare, availability heuristic, carbon footprint, Cass Sunstein, centre right, choice architecture, cognitive dissonance, collaborative consumption, correlation does not imply causation, Daniel Kahneman / Amos Tversky, different worldview, endowment effect, happiness index / gross national happiness, hedonic treadmill, hindsight bias, IKEA effect, illegal immigration, job satisfaction, Kickstarter, libertarian paternalism, light touch regulation, longitudinal study, market design, meta analysis, meta-analysis, Milgram experiment, nudge unit, peer-to-peer lending, pension reform, presumed consent, QR code, quantitative easing, randomized controlled trial, Richard Thaler, Right to Buy, Ronald Reagan, Rory Sutherland, Simon Kuznets, skunkworks, the built environment, theory of mind, traffic fines, twin studies, World Values Survey
It was not just doctors that responded to the adapted messages – we found similar uplifts in payments in relation to other professional groups too (such as everyone’s favourite, plumbers). We found that even quite simple cues can have a significant impact. In another trial, led by Rory Gallagher in Sydney with the state of New South Wales, we adapted a letter reminding people to pay overdue traffic fines, the main addition being to add a stamp at the top of the letter reading ‘pay now’ in red letters. This led to repayments without further action rising from around 14 to 17 per cent, worth around $10 million a year and, equally importantly, saving residents around $4 million a year in extra penalties and preventing more than 8,000 drivers a year from having their driving licences cancelled or suspended.
What Should I Do With My Life? by Po Bronson
back-to-the-land, Berlin Wall, clean water, double entry bookkeeping, Exxon Valdez, financial independence, high net worth, job satisfaction, Menlo Park, microcredit, new economy, Shoshana Zuboff, Silicon Valley, South of Market, San Francisco, special economic zone, Stanford marshmallow experiment, telemarketer, traffic fines, young professional
“He be here ten minutes or so.” Eleven thousand people live here. Unemployment is 12 percent, not bad. Cash advance shops outnumber bank branches. A trenchant crack problem plagues the neighborhood on the other side of the railroad tracks. You can’t get any men to work during bow hunting season. Conversations focus on hunting, football, and who’s screwing who. The local weekly newspaper lists every traffic fine and charge brought by the local police. Most of the jobs listed are for drivers. A truck driver takes home $8.50 an hour, the women at the catfish processing plant a little less, and the seining crew, which dredges the ponds, earns minimum wage. A straw boss earns anywhere from $40,000 to $100,000. Don gets up at four A.M. every morning to read. Almost every day, a shipment arrives from Amazon.com with more brain food.
Upheaval: Turning Points for Nations in Crisis by Jared Diamond
anti-communist, Asian financial crisis, Berlin Wall, British Empire, California gold rush, clean water, correlation coefficient, cuban missile crisis, Dissolution of the Soviet Union, Gini coefficient, illegal immigration, interchangeable parts, invention of writing, Jeff Bezos, medical malpractice, mutually assured destruction, Nelson Mandela, nuclear winter, oil shale / tar sands, peak oil, post-work, purchasing power parity, rising living standards, risk tolerance, Ronald Reagan, The Spirit Level, traffic fines, transcontinental railway, women in the workforce, World Values Survey
The percentage of potential voters who possess the required photo ID is considerably higher (depending on the age group, up to three times higher) for whites than for African-Americans or Latinos, and higher for rich people than for poor people. The reasons are banal ones with no direct relationship to deserving the right to vote: e.g., poorer people, and African-Americans in general, are more likely not to have a driver’s license because they haven’t paid a traffic fine. The state of Alabama closed its Department of Motor Vehicle (DMV) offices (the offices that issue driver’s licenses) in counties with large African-American populations. In response to the resulting public outcry, Alabama re-opened those offices—but for just one day per month. The state of Texas maintained DMV offices in only one-third of its counties, forcing potential voters to travel up to 250 miles if they were determined to satisfy the photo ID requirement by getting a driver’s license.
Economic Dignity by Gene Sperling
active measures, Affordable Care Act / Obamacare, autonomous vehicles, basic income, Bernie Sanders, Cass Sunstein, collective bargaining, corporate governance, David Brooks, desegregation, Detroit bankruptcy, Donald Trump, Double Irish / Dutch Sandwich, Elon Musk, employer provided health coverage, Erik Brynjolfsson, Ferguson, Missouri, full employment, gender pay gap, ghettoisation, gig economy, Gini coefficient, guest worker program, Gunnar Myrdal, housing crisis, income inequality, invisible hand, job automation, job satisfaction, labor-force participation, late fees, liberal world order, longitudinal study, low skilled workers, Lyft, Mark Zuckerberg, market fundamentalism, mass incarceration, mental accounting, meta analysis, meta-analysis, minimum wage unemployment, obamacare, offshore financial centre, payday loans, price discrimination, profit motive, race to the bottom, RAND corporation, randomized controlled trial, Richard Thaler, ride hailing / ride sharing, Ronald Reagan, Rosa Parks, Second Machine Age, secular stagnation, shareholder value, Silicon Valley, single-payer health, speech recognition, The Chicago School, The Future of Employment, The Wealth of Nations by Adam Smith, Toyota Production System, traffic fines, Triangle Shirtwaist Factory, Uber and Lyft, uber lyft, union organizing, universal basic income, War on Poverty, working poor, young professional, zero-sum game
Ironically, the system of fees and fines works to block those reentering the economy from getting the jobs they need to repay the criminal justice debts. Outstanding debt from these fines and fees can prevent many from having a driver’s license, a necessity for many Americans to find and maintain a job; plus, many jobs outright require a driver’s license. The vast majority of states allow for the suspension of licenses for unpaid court debt and traffic fines,84 and a survey of fifteen states found that eight of those states take away driver’s licenses when individuals fail to pay monetary sanctions,85 a direct roadblock to maintaining employment to provide for self and family. Some feel they have no choice and drive to work on a license suspended due to criminal justice debt at the risk of further incarceration. Fines and fees also play a role in determining who has a fresh start by being able to clear or seal a criminal record.
Traffic: Why We Drive the Way We Do (And What It Says About Us) by Tom Vanderbilt
Albert Einstein, autonomous vehicles, availability heuristic, Berlin Wall, call centre, cellular automata, Cesare Marchetti: Marchetti’s constant, cognitive dissonance, computer vision, congestion charging, Daniel Kahneman / Amos Tversky, DARPA: Urban Challenge, endowment effect, extreme commuting, fundamental attribution error, Google Earth, hedonic treadmill, hindsight bias, hive mind, if you build it, they will come, impulse control, income inequality, Induced demand, invisible hand, Isaac Newton, Jane Jacobs, John Nash: game theory, Kenneth Arrow, lake wobegon effect, loss aversion, megacity, Milgram experiment, Nash equilibrium, Sam Peltzman, Silicon Valley, statistical model, the built environment, The Death and Life of Great American Cities, traffic fines, ultimatum game, urban planning, urban sprawl, women in the workforce, working poor
Lode Vereeck, a Belgian economist at Hasselt University, has noted that in survey after survey of people’s attitudes toward traffic regulations, Belgians seem resistant; they’re more hostile than their neighbors to things like seat-belt laws, lower speed limits, and drunk-driving laws (and also more likely to drink before driving, if surveys can be believed). At the same time, according to Vereeck, the number of violations recorded by Belgian police dropped from 1993 to 1999—even though Belgium’s roads clearly did not get safer. A driver was also less likely to get a traffic fine in Belgium than in its neighbor to the north: The Netherlands, with roughly 50 percent more people (and a lower motorization rate), issued nearly eight times the number of tickets in 2000. While the laws in Belgium and the Netherlands may be similar, it seems there is a different attitude to following and enforcing those laws. Some researchers have argued that Belgium’s system of yielding at unmarked intersections, known as priorité de droite, or “yield to the right,” is the real reason for Belgium’s extraordinary fatality rates.
Nepal Travel Guide by Lonely Planet
call centre, carbon footprint, clean water, happiness index / gross national happiness, illegal immigration, Kickstarter, land reform, load shedding, Mahatma Gandhi, mass immigration, Skype, sustainable-tourism, trade route, traffic fines
For Rs 600 per day you’ll get a 150cc Indian-made Hero Honda or Pulsar road bike, which is generally fine for road trips in the Kathmandu Valley. Officially, you need an international driving licence to ride a motorbike in Nepal. This regu-lation hasn’t been enforced for years but recent reports suggest traffic police are targeting foreigners on this and other hitherto disregarded traffic violations in an attempt to raise funds. A traffic fine will set you back around Rs 1000. Motorcycles can be great fun outside the town, once you master the traffic. The main problem is getting out of Kathmandu, which can be a stressful, choking and dangerous experience. You will need a pair of goggles and some kind of face mask (available in most pharmacies). Fuel currently costs Rs 110 (and rising) per litre; you’ll only need a couple of litres for a day trip.
The Stuff of Thought: Language as a Window Into Human Nature by Steven Pinker
airport security, Albert Einstein, Bob Geldof, colonial rule, conceptual framework, correlation does not imply causation, Daniel Kahneman / Amos Tversky, David Brooks, Douglas Hofstadter, en.wikipedia.org, experimental subject, fudge factor, George Santayana, Laplace demon, loss aversion, luminiferous ether, Norman Mailer, Richard Feynman, Ronald Reagan, Sapir-Whorf hypothesis, science of happiness, social intelligence, speech recognition, stem cell, Steven Pinker, Thomas Bayes, Thorstein Veblen, traffic fines, urban renewal, Yogi Berra
But if he does offer the bribe (second row), the stakes are much higher either way. If Maxim Man is lucky and is facing a dishonest cop, the cop will accept the bribe and send him on his way without a ticket. But if he is unlucky and is facing an honest cop, he will be handcuffed, read his rights, and arrested for bribery. The rational choice between bribing and not bribing will depend on the size of the traffic fine, the proportion of bad and good cops on the roads, and the penalties for bribery, but neither choice is appealing. Maxim Man is caught between the devil and the deep blue sea. But now consider a different driver, Implicature Man, who knows how to implicate an ambiguous bribe, as in “So maybe the best thing would be to take care of it here.” Suppose he knows that the officer can work through the implicature and recognize it as an intended bribe, and he also knows that the officer knows that he couldn’t make a bribery charge stick in court because the ambiguous wording would prevent a prosecutor from proving his guilt beyond a reasonable doubt.