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	<title>Tran Harry - The Economy Needs A Fix</title>
	
	<link>http://tranharry.com</link>
	<description>Economic Issues From A Business Graduates' Perspective</description>
	<lastBuildDate>Fri, 06 Nov 2009 05:34:07 +0000</lastBuildDate>
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		<title>Benefiting the Wrong People?</title>
		<link>http://tranharry.com/2009/11/benefiting-the-wrong-people/</link>
		<comments>http://tranharry.com/2009/11/benefiting-the-wrong-people/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 05:34:07 +0000</pubDate>
		<dc:creator>Tran, Harry</dc:creator>
				<category><![CDATA[Quick Blast]]></category>
		<category><![CDATA[fixing the unemployment problem]]></category>

		<guid isPermaLink="false">http://tranharry.com/?p=2132</guid>
		<description><![CDATA[Instead of extending the unemployment benefits to well beyond a year, why doesn&#8217;t the government enact some sort of law which assist in hiring more people and putting them to work?
If for example a company is a $1 million a year company and they decide to go from 5 employees to 7 than they have [...]]]></description>
			<content:encoded><![CDATA[<p>Instead of extending the unemployment benefits to well beyond a year, why doesn&#8217;t the government enact some sort of law which assist in hiring more people and putting them to work?</p>
<p>If for example a company is a $1 million a year company and they decide to go from 5 employees to 7 than they have just increased their work force by 40% and in turn should be rewarded with a tax break of say 2-5%. It might not equalize on the balance sheets of companies but it does induce some sort of hiring and the added assets to the company would play out for future productivity.</p>
<p>Adversely the government would end up having a net wash, because while this means they&#8217;ll collect less in business tax revenues, they won&#8217;t have to doll out as much in unemployment benefits as more people will work saving them in cost. As more people start working again, the government will see an increase in revenue driven through increases in the amount of income tax collected.</p>
<p>Ask the average unemployed person here would they rather sit at home pulling in 25% of their previous earnings or given a chance to work again I&#8217;m sure a good fraction of them would love to be back in the workforce. The rest I would go out on a limb and say they may be trying to milk the system but they probably would find a way to milk it regardless.</p>
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		<item>
		<title>Why Don’t You Carpool?</title>
		<link>http://tranharry.com/2009/10/why-dont-you-carpool/</link>
		<comments>http://tranharry.com/2009/10/why-dont-you-carpool/#comments</comments>
		<pubDate>Sat, 31 Oct 2009 02:31:45 +0000</pubDate>
		<dc:creator>Tran, Harry</dc:creator>
				<category><![CDATA[Economics]]></category>

		<guid isPermaLink="false">http://tranharry.com/2009/10/why-dont-you-carpool/</guid>
		<description><![CDATA[You work with the same coworkers day in and day out, they also live near you, if that is the case than why not carpool. That way it will relieve some of that congestion on the roads.
]]></description>
			<content:encoded><![CDATA[<p>You work with the same coworkers day in and day out, they also live near you, if that is the case than why not carpool. That way it will relieve some of that congestion on the roads.</p>
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		<item>
		<title>One Bad Product Can Ruin You</title>
		<link>http://tranharry.com/2009/10/one-bad-product-can-ruin-you/</link>
		<comments>http://tranharry.com/2009/10/one-bad-product-can-ruin-you/#comments</comments>
		<pubDate>Tue, 27 Oct 2009 22:42:22 +0000</pubDate>
		<dc:creator>Tran, Harry</dc:creator>
				<category><![CDATA[Rants n Raves]]></category>
		<category><![CDATA[ruin your image]]></category>

		<guid isPermaLink="false">http://tranharry.com/2009/10/one-bad-product-can-ruin-you/</guid>
		<description><![CDATA[Take Vista for example. I must have held back my laptop purchase for years because I saw how horrible Vista was as an operating system. I&#8217;m sure there were plenty of people who bought laptops and pc anyway but they did it in spite of Microsoft and Vista.
Now that Windows 7 is out on the [...]]]></description>
			<content:encoded><![CDATA[<p>Take Vista for example. I must have held back my laptop purchase for years because I saw how horrible Vista was as an operating system. I&#8217;m sure there were plenty of people who bought laptops and pc anyway but they did it in spite of Microsoft and Vista.</p>
<p>Now that Windows 7 is out on the market it awaits to vlbe seen if they let out a better product. The wholecampaign behind Vista and its wow factor really left everything to disappoint when it did not wow anyone. </p>
<p>It also seems like the operating system for Vista had a very short life span on the market before Microsoft decided to release 7. </p>
<p>Well I&#8217;m just ranting but I believe one product can literally ruin your image.  </p>
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		<title>Safety is 365</title>
		<link>http://tranharry.com/2009/10/safety-is-365/</link>
		<comments>http://tranharry.com/2009/10/safety-is-365/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 17:06:05 +0000</pubDate>
		<dc:creator>Tran, Harry</dc:creator>
				<category><![CDATA[Quick Blast]]></category>
		<category><![CDATA[safer work environments]]></category>

		<guid isPermaLink="false">http://tranharry.com/2009/10/safety-is-365/</guid>
		<description><![CDATA[Why don&#8217;t more companies initiate safety meetings and conferences. I have been at a few different companies in my life and have found it very enriching to see the company teach safety lessons to it&#8217;s employees. 
From simple tips on driving safer to storing things in the right places and not leaving cabinets hanging safety [...]]]></description>
			<content:encoded><![CDATA[<p>Why don&#8217;t more companies initiate safety meetings and conferences. I have been at a few different companies in my life and have found it very enriching to see the company teach safety lessons to it&#8217;s employees. </p>
<p>From simple tips on driving safer to storing things in the right places and not leaving cabinets hanging safety is all around us. </p>
<p>And for any company looking for an incentive to start doing safety with their employees I&#8217;d say at least once every quarter. Remember that pulling employees away for an hour and a half is much more productive and cheaper than payig someones disability bills and hiring a temp to fill in while they&#8217;re out on leave. </p>
<p>I find learning about safety very educational and regretably they never had a safety course in college so you are kind of put into work environments and left to figure it out yourself what&#8217;s safe and what isn&#8217;t. For anyone who treats their office like they do their rooms this could mean potential hazards for fellow coworkers. So this is also a risk to other people&#8217;s safety. </p>
<p>So have at it. Be safe everyday!</p>
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		<title>Fixes to Health Care System</title>
		<link>http://tranharry.com/2009/10/fixes-to-health-care-system/</link>
		<comments>http://tranharry.com/2009/10/fixes-to-health-care-system/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 02:13:18 +0000</pubDate>
		<dc:creator>Tran, Harry</dc:creator>
				<category><![CDATA[Quick Blast]]></category>
		<category><![CDATA[health care needs fixing]]></category>

		<guid isPermaLink="false">http://tranharry.com/?p=2126</guid>
		<description><![CDATA[No I don&#8217;t plan to create the end all be all scenario to fixing our health care system but just got a few thoughts on what could be done better.
Right now the way I see it you got a lot of pissed off doctors (the suppliers) who went into pile loads of debt to get [...]]]></description>
			<content:encoded><![CDATA[<p>No I don&#8217;t plan to create the end all be all scenario to fixing our health care system but just got a few thoughts on what could be done better.</p>
<p>Right now the way I see it you got a lot of pissed off doctors (the suppliers) who went into pile loads of debt to get their degree and start earning money way later in their lives than their peers. Most doctors did not come from families who already had much wealth but rather because they heard of the luxuries a doctors salary can provide them so they took on mountains of loan and debt to get them through schooling for years. They come out and find out insurance companies put caps at what they can make and than realize that they can&#8217;t even afford to pay their loans unless they initiate more tests on patients and offer up bad medicine to get paid off by pharmacies.</p>
<p>Than you have the patient (the consumer) who needs health care related services yet because doctors have become so adamant about making money they forget that the patient often times cannot afford care to begin with. The insurance companies have so many checks and balances it becomes a headache to even make a claim for the patient going in because he already has a headache so whatever processes they need to take financially just get compounded by the headaches they already have from their illness.</p>
<p>Now unlike other industries like automobile, real estate, and credit cards I would venture to say that 100% of the population in America will agree they will not be happy if all the doctors and hospitals vanished tomorrow.<br />
If automobiles vanished we can all ride bikes or public transportation, so why did the big three get bailed out? If home builders no longer were around, we&#8217;d simply rent or buy homes that are already built. Who needs to have a brand new never lived in home anyway? That&#8217;s a want not a need. And if credit cards were gone than we&#8217;d go back to paying with cash, or now it&#8217;ll be debit cards and putting things down on lay away right?</p>
<p>But what would we do without doctors, diagnosis our own illnesses using wikipedia? I doubt that would be helpful.</p>
<p>For this reason I&#8217;m saying we should subsidize the students education. I would much rather have my tax dollars go to those college students who will study doctor school and pay for their education than GM.</p>
<p>They&#8217;ll pay us forward in the future by providing reasonable and affordable health care to us. They will have to figure out who can go to school and have a system in place to pick those most knowledgeable and determined to become doctors. Than the government working with insurance can set predetermined prices for various levels of health care and hopefully being that the doctor isn&#8217;t riled in debt til they&#8217;re 60 they will give us proper health care and we can afford it with lower payments.</p>
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		<title>Apple is Cowardly</title>
		<link>http://tranharry.com/2009/10/apple-is-cowardly/</link>
		<comments>http://tranharry.com/2009/10/apple-is-cowardly/#comments</comments>
		<pubDate>Sat, 10 Oct 2009 17:45:19 +0000</pubDate>
		<dc:creator>Tran, Harry</dc:creator>
				<category><![CDATA[Rants n Raves]]></category>
		<category><![CDATA[iphone]]></category>

		<guid isPermaLink="false">http://tranharry.com/2009/10/apple-is-cowardly/</guid>
		<description><![CDATA[I&#8217;m just going to go off on a rant here today so if you don&#8217;t mind me I&#8217;ll proceed. 
I have been reading numerous articles and blogs that have frowned upon AT&#038;T&#8217;s services with the iPhone. Complaints about dropped calls and bad connections. I wanted to point out that AT&#038;T can&#8217;t take all the blame. [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m just going to go off on a rant here today so if you don&#8217;t mind me I&#8217;ll proceed. </p>
<p>I have been reading numerous articles and blogs that have frowned upon AT&#038;T&#8217;s services with the iPhone. Complaints about dropped calls and bad connections. I wanted to point out that AT&#038;T can&#8217;t take all the blame. </p>
<p>A few years back when the very first iPhone came out and before it became a phenomenon Apple and the rest of the world had no clue the iPhone would of been as praised by fans and loyalists as it does today. </p>
<p>Because of that amongst other reasons they decided to go and give AT&#038;T an exclusive deal with being the only American provider for the phone. With this exclusivity most of the revenue generated directly from the sale of the phone comes from large guaranteed subsidies from AT&#038;T. Now this is not to say that other carriers would not have subsidized the phone too. My Blackberrys always carried a bit of subsidization from my carrier as well but could you imagine AT&#038;T offering as large a subsidy against the phone if it weren&#8217;t for the exclusive contract that AT&#038;T knows guarantees they&#8217;re the exclusive provider? I doubt they would. </p>
<p>Clearly this is a huge subsidy as well if you just look at the retail numbers. A 2 year contract will net you an iPhone for less than $200 but to go contract-less you will have to pay upwards of $700-$800 for the phone. The difference I can guarantee you is picked up on most part by AT&#038;T. </p>
<p>So while Apple is now doing well and is gaining much dominance in the smart phone market due to their iPhone product lineup, if they had the guts they would have put the phone out to multiple US carriers and also warded off some of the bad signal strain pushed onto AT&#038;T&#8217;s networks. </p>
<p>Ps. I don&#8217;t work for any of the phone carriers nor phone manufacturers. This is clearly just a rant. </p>
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		<title>The Way Banks Play</title>
		<link>http://tranharry.com/2009/10/the-way-banks-play/</link>
		<comments>http://tranharry.com/2009/10/the-way-banks-play/#comments</comments>
		<pubDate>Thu, 08 Oct 2009 03:38:41 +0000</pubDate>
		<dc:creator>Tran, Harry</dc:creator>
				<category><![CDATA[Quick Blast]]></category>
		<category><![CDATA[charging more fees]]></category>
		<category><![CDATA[how banks charge you fees]]></category>

		<guid isPermaLink="false">http://tranharry.com/?p=2122</guid>
		<description><![CDATA[&#8220;JPMorgan Chase (JPM, Fortune 500) will start processing and clearing expenses in the order purchases were made, chronologically, instead of biggest to smallest, which can deplete bank accounts faster and lead to more fees.&#8221;
Seriously? Is that how you would want your bank to charge you. Because they decide to max out your account with the [...]]]></description>
			<content:encoded><![CDATA[<p>&#8220;JPMorgan Chase (JPM, Fortune 500) will start processing and clearing expenses in the order purchases were made, chronologically, instead of biggest to smallest, which can deplete bank accounts faster and lead to more fees.&#8221;</p>
<p>Seriously? Is that how you would want your bank to charge you. Because they decide to max out your account with the dishwasher purchase first than those tiny mcdonald meals you got for the kids get over drafted on.</p>
<p>Here&#8217;s the source of the news, those kinds of business practices make me sick.<br />
<a href="http://money.cnn.com/2009/10/07/news/economy/overdraft_fees/index.htm?iref=topnews" target="_blank">http://money.cnn.com/2009/10/07/news/economy/overdraft_fees/index.htm?iref=topnews</a></p>
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		<title>It Was Always Hard to Find a Job</title>
		<link>http://tranharry.com/2009/10/it-was-always-hard-to-find-a-job/</link>
		<comments>http://tranharry.com/2009/10/it-was-always-hard-to-find-a-job/#comments</comments>
		<pubDate>Fri, 02 Oct 2009 00:08:46 +0000</pubDate>
		<dc:creator>Tran, Harry</dc:creator>
				<category><![CDATA[Quick Blast]]></category>
		<category><![CDATA[job hunting was always hardi]]></category>

		<guid isPermaLink="false">http://tranharry.com/2009/10/it-was-always-hard-to-find-a-job/</guid>
		<description><![CDATA[For any one who thinks that it is only hard to find a job recently they can be mistaken. 
Ask any one of my friends and we will all be able to tell you just how hard it is and was to locate employment opportunities. 
Back in 2001 when we were all in our first [...]]]></description>
			<content:encoded><![CDATA[<p>For any one who thinks that it is only hard to find a job recently they can be mistaken. </p>
<p>Ask any one of my friends and we will all be able to tell you just how hard it is and was to locate employment opportunities. </p>
<p>Back in 2001 when we were all in our first years at college I would remember how difficult it was for any of us to find a job at the mall near our school. We would all go to the different stores together to grab applications and not surprisingly a lot of other people were doing the same. </p>
<p>At that time no one called us back for interviews either and we resulted in all working for a restaurant that we had a good standing with the owner. </p>
<p>This is the same scenario playing out in my head again as I read this morning about how the unemployment rating has gone past 9.5% or so, and I&#8217;m thinking to myself things didn&#8217;t just get worst overnight. Things were pretty bad for years. </p>
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