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Author: Stephen Kent

Nikki Haley’s lack of faith in free speech is disturbing

Social media is without a doubt less popular in the public imagination than it was when the global experiment began around 2004. While online forums and communities had existed before, the world would never be the same once Facebook, Reddit, Twitter, YouTube, and Myspace all emerged over roughly a three-year span. Initially revered as a democratizing force for free expression and liberal values, the social media industry enjoyed a honeymoon period that is decidedly over.

Presidential candidate Nikki Haley reminded us of this fact on Fox News Tuesday, when she ripped into anonymous online speech as the apparent cause of America’s uncivil politics. Haley proposed forcing social media companies to share their algorithms and require the verification of every user as a top priority of her future administration.

Understandably, many Americans are disenchanted with online life, but Haley’s remedy is a trap.

Online anons make life a little harder, for sure. Anonymous users come in droves, pollute comment sections, and tilt the balance of discourse in favor of those who hide behind what is essentially a modern pen name.

While those of us who travel online using our real names are bound by certain unspoken codes of conduct and concern with reputation, anonymous accounts with monikers like Comfortably Smug, the Critical Drinker, Shoe0nhead, Zerohedge, Doomcock, pakalupapitow, and pourmecoffee produce content and commentary with a little more flexibility. Some online denizens go to great lengths to remain anonymous; others operate barely in the shadows and can be found by any half-skilled sleuth. This is particularly pronounced within the cryptocurrency space.

The reasons for remaining anonymous can be malicious or driven by common sense. Rolling Stone reported on HBO executives who delegated the creation of anonymous accounts to attack TV critics. U.S. Senator Mike Lee (R-Utah) at first operated @BasedMikeLee on X (formerly Twitter) as almost a parody account while still revealing what he truly thought about issues of the day. 

The fact is that anonymous publishing in America is as old as America itself. Benjamin Franklin wrote his pre-revolutionary pamphlets under the name Silence Dogood. “You know who were anonymous writers back in the day?” Florida Governor Ron DeSantis posted on X. “Alexander Hamilton, John Jay, and James Madison when they wrote the Federalist Papers. They were not ‘national security threats.’”

Like Nikki Haley, Canadian psychiatrist Jordan Peterson is not amused by online anons. But when he polled his audience on the proposition: “By failing to separate the anonymous cowardly troll demons from real people in the comments section @youtube and other SM (social media) platforms are enabling sadistic Machiavellian psychopaths and narcissists,” 60% of 158,596 respondents disagreed.

Would it have been more truthful and democratic if, to vote in Peterson’s poll, users had to first enter their names and home addresses into a government-mandated form? Taken to its logical conclusion, that’s what the Haleys of the world are arguing: Free speech demands public accountability. Those speaking without identifying themselves are troublemakers, social deviants, and, in Haley’s words, “a national security threat.”

Maybe forcing accountability would make public discourse more orderly and civil, but you’d certainly have less of it overall. Orderly societies are not necessarily free societies. China, for example, can credit the eerie silence in the public square to social pressure and the threat of government persecution if citizens say the wrong thing.

“Don’t allow the anonymous troll-demons to post with the real verified people,” Peterson tweeted at Elon Musk, “Put them in their own hell, along with others like them.”

It’s strange to see people like Peterson, who has experienced real-world censure and cancel culture firsthand, embrace content moderation solutions that their censors would love to see imposed in the name of “national security.”

Imagine how many more bank accounts Canada might have frozen during the 2022 trucker protests if the country had a Nikki Haley-style policy banning anonymous speech online. Solidarity with the truckers would have been far more perilous for everyday people.

Scoping out an online creator’s true identity tends to have one purpose, which is to shut them up. The Washington Post’s Taylor Lorenz clearly had such an aim in mind when she doxxed Libs of TikTok, as the account’s growing reach and influence became a concern to top Democrats and progressive activists.

For consumers and citizens online, there is another way that doesn’t involve the Department of Homeland Security under President Nikki Haley handing down rules of the road to Twitter executives. It’s called “discernment.” 

For the online armies of anonymous goblins with zero to 100 followers, quite possibly under the dominion of Russian or Chinese troll farms, individuals and organizations must adopt a policy of courage and confidence. Treat accounts with goofy fake names and bald eagles for profile pictures with the dismissal they (largely) deserve. They exist to cast shadows of monsters on the wall, when in fact you’re dealing with trolls stacked inside a trench coat. 

Second, punish platforms that don’t meet your standards for reducing engagement by bots by spending time online elsewhere. X has a lot of them these days, and it’s a problem. New platforms will step up with a better model for discourse. Be patient, and trust entrepreneurs to solve problems that consumers want solved.

Haley is not alone in being tired of bots and anonymous jerks showing their rears online, but the moment the government and social media platforms coordinate on identity verification online, free speech in the 21st century will be effectively dead.

Originally published here

AI can be responsible without government intervention, new research shows

The global race to develop artificial intelligence is the most consequential contest since “the space race” between the United States and the Soviet Union. The development of these tools and this industry will have untold effects on future innovation and our way of life.

The White House will soon unveil its anticipated executive order on AI, which may include a commission to develop an “AI Bill of Rights” or even form a new federal regulatory agency. In this case, the government is playing catch-up with AI innovators and ethicists.

AI in a democratic society does not mean spinning up federal AI agencies staffed by whoever won the most recent election — it means having a wide range of policies and rules made for the people, by the people, and that are responsive to the people.

AI has an almost unlimited potential to change the world. Understandably, this makes many people nervous, but we must resist handing over its future to the government at this early stage. After all, this is the same institution that has not cracked 30% in overall trust to “do the right thing most or all of the time” since 2007. The rules of the road can evolve from the people themselves, from innovators to consumers of AI and its byproducts.

Besides, does anyone really believe a government that is trying to wrap its regulatory mind around the business model and existence of Amazon Prime is prepared to govern artificial intelligence?

For an example of the rigor required to develop rules for AI in a free society, consider the recent researchpublished by Anthropic, an Amazon-backed AI startup known for the Claude generative AI chatbot. Anthropic is developing what’s known as “Constitutional AI” that looks at the question of bias as a matter of transparency. The technology is governed by a published list of moral commitments and ethical considerations.

If a user is puzzled by one of Claude’s outputs or limitations, he or she can look to the AI’s constitution for an explanation. It’s a self-contained experiment in liberalism.

As any American knows, living in a functional constitutional democracy is as clarifying as it is frustrating. You have specific rights and implied rights under American law, and when they’re violated, you can take the matter to court. The rights we have are as frustrating to some as the ones we don’t: the right to keep and bear arms, for example, along with the absence of a clear constitutional right to healthcare.

Anthropic surveyed 1,094 people and broke them up into two response groups based on discernible patterns in their way of thinking about a handful of topics. There were many unifying beliefs about what AI should aim to do.

Most people (90% or more) agree that AI should not say racist or sexist things, AI shouldn’t cause harm to the user or anyone else, and AI should not be threatening or aggressive. There was also broad agreement (60%) that AI should not be programmed as an ordained minister — though with 23% in favor and 15% undecided, that leaves quite the opening in the AI space for someone to develop a fully functional priest chatbot. Just saying.

But even agreement can be deceiving. The yearslong national debate over critical race theorydiversity, equity, and inclusion, and “wokeness” stands as evidence that people don’t really agree on what “racism” means. AI developers such as Anthropic will have to choose or create a definition that encompasses a broad view of “racism” and “sexism.” We also know that the public does not even agree on what constitutes threatening speech.

The single most divisive statement, “the AI shouldn’t be censored at all,” shows how cautious consumers are about AI having any kind of programmed bias or set of prerogatives. With a close to 50/50 split on the question, we’re a long way from when Congress could be trusted to develop guardrails that protect consumer’s speech and access to accurate information — much less so the White House.

Anthropic categorizes the individual responses as the basis for its “public principles” and goes to great lengths to show how public preferences overlap and diverge from its own. The White House and would-be regulators are not showing anywhere near this kind of a commitment to public input.

When you go to the people through elected legislatures, you find out interesting things to inform policy. The public tends to focus on maximized results for AI queries, such as saying a response should be the “most” honest or the “most” balanced. Anthropic tends to value the opposite, asking AI to avoid undesirables by asking for the “least” dishonest response or “least” likely to be interpreted as legal advice.

We all want AI to work for us, not against us. But what America needs to realize is that the natural discomfort with this emerging technology does not necessitate government action. The innovation is unfurling before our very eyes, and there will be natural checks on its evolution from competitors and consumers alike. Rather than rushing to impose a flawed regulatory model at the federal level, we should seek to enforce our existing laws where necessary and allow regulatory competition to follow the innovation rather than attempt to direct it.

Originally published here

The problem with canceling Jon Stewart: Apple bowed to Chinese government censorship

You would think Jon Stewart can talk about whatever he wants. The Comedy Central veteran who returned from what looked like retirement to host “The Problem with Jon Stewart” on Apple TV+, is reportedly not moving forward with a third season.

It wasn’t Stewart’s shows about COVID-19, election interference, race relations, the Middle East or socialism vs. capitalism that led to an impasse with one of America’s most innovative companies.

And it wasn’t even the program’s poor ratings. Apparently – it was China

It’s almost hard to still be surprised. The dependent relationship between Apple and China is longstanding and well-documented, and one would expect that any Apple TV+ content by one of America’s sharpest cultural critics and comedians, directed at China’s Communist Party, would raise red flags in Cupertino as well as Beijing.

Americans have become sadly accustomed to these sorts of stories regarding Sino-American relations in the realm of entertainment. In recent memory, there was the explosion of controversy around “Top Gun: Maverick” and Tom Cruise wearing a Taiwan flag patch on his jacket, then the disputed map of the South China Seashown in the “Barbie” movie, as well as Disney filming its live-action “Mulan” in Xinjiang province, where an estimated 1 million Muslim Uyghurs are held in detention camps.

China’s censors have long history of restricting content

The list of other PR blowups between Hollywood and China’s censors is far, far longer. 

American consumers must not allow themselves to become complacent. Our creative class and intellectual leaders are being muzzled at the behest of a foreign adversary, and it has to stop. 

Unfortunately for the average consumer, it often feels like little can be done to resist feeding an entertainment machine doing the bidding of the Chinese government. Parents and children want to see popular movies and TV shows featuring big-name stars in theaters and on streaming services.

It takes a highly informed and committed conscientious objector to resist any consumer behavior that rewards studios for censorship they accept to access China’s market. 

Watching ‘forbidden’ movies about China is a small act of defiance

Nonetheless, there is one simple thing you can do. Watch some “forbidden” movies. You can search to see the movies the Chinese Communist Party doesn’t want you to see.

Streaming now on Netflix is “Seven Years in Tibet,” an epic starring Brad Pitt as Austrian climber Heinrich Harrer. The movie follows the true story of Harrer’s departure from the Nazi military to climb the Himalayas and his brutal journey on foot to the Tibetan holy city of Lhasa. There he befriends the young Dalai Lama in the final years before Tibet’s Buddhist monks were massacred by Mao Zedong’s communist revolutionaries. 

At the end of “Seven Years in Tibet,” Pitt’s character confronts a Tibetan official who helped facilitate the Chinese takeover of Lhasa. Pitt says, “On the way to Lhasa I would see Tibetans wearing those jackets (Communist Chinese Party attire). ‘Chinese soldiers – very nice. They give food, clothes, money – very nice.’ It’s strange to me that something so harmless as a jacket could symbolize such a great lie.” 

China-hawks of today would be pressed to write such a compelling exchange that captures what so many in the West have come to understand about open relations with China: The Chinese have shaped us, and we have utterly failed to shape them. 

The film was a seismic struggle for Sony to complete and distribute in the United States during the late 1990s. Considering that Martin Scorsese’s critically acclaimed 1997 film on the fall of Tibet, “Kundun,” has been all scrubbed from cinematic history and the world of streaming, watching “Seven Years in Tibet” is a small but worthwhile act of resistance while it is still available online.  

Stop following China.United Nations is ruled by ‘we the peoples,’ not authoritarian regimes.

Here’s another. The Foundation for Economic Education recently released a wonderfully detailed documentary video on Scorsese’s “Kundun” and then-Disney CEO Michael Eisner’s ultimate decision to bury the film, per China’s wishes. “Kundun” is hard to find online and isn’t available to stream on any major platform. But you can learn everything about it and China’s campaign to block the film from American eyes by watching the documentary. 

Consumers will have to demand more from our nation’s storytellers and media companies if open discourse is going to survive. 

Jon Stewart must have known what he was getting into with Apple when he began to pursue an episode critical of China, and he should be lauded for walking away. We can only hope whatever it is Stewart had to say that Apple couldn’t tolerate, he’ll say by other means.

Midway through “Seven Years In Tibet,” the young Dalai Lama asks Harrer, “Do you think someday people will get Tibet on their movie screens and wonder what happened to us?”

When Tibet itself is a forbidden subject, known as one of the Forbidden T’s, the answer to the Dalai Lama’s question is, of course, yes. 

Originally published here

‘Bidenomics’ and antitrust crusades aren’t working for consumers

Halloween is still two weeks out, and everywhere you look, there’s a holiday sale. Black Friday feels almost irrelevant against the backdrop of yet another Prime Big Deal Day , where new discounts are being released “as often as every five minutes” throughout the online shopping event. Target, Walmart, Best Buy, and Costco have all gotten in on the consumer bargains this month. Is this what President Joe Biden’s Federal Trade Commission is trying to protect consumers from with its sprawling antitrust lawsuit against Amazon?

Because if discounts are indeed going to hit “record highs” this holiday season for toys, electronics, and apparel, as reported by Forbes, I don’t want to be saved.

FTC Chairwoman Lina Khan already knows that Amazon is largely enjoyed by the American public, admitting as much in her 2017 essay, “Amazon’s Antitrust Paradox.” Khan is no longer a student at Yale and is now sitting atop America’s most powerful consumer-focused government agency, but nothing appears to have changed about Khan’s understanding of Amazon’s appeal.

Consumers like Amazon and the value of their Prime membership; Khan just thinks they shouldn’t. Extraordinarily large companies have a tendency to adopt anti-competitive practices that fleece the consumer while lowering the quality of goods and services.

Amazon is, in fact, a very large company, but with many subdivisions working in tandem ultimately to lower prices and delivery times for consumers, especially Prime members. Buried in the FTC’s complaint against Amazon is a reminder that its real target is membership models in general.

Do you feel coerced into doing your holiday shopping on Amazon? I don’t. Turns out, I can’t afford to go downtown and “shop local” while those businesses also suffer through economic factors driving up their already high prices.

From the FTC’s perspective, this dynamic is evidence of Amazon’s malevolent effect on the economy. Amazon, so it claims, is suppressing the potential of small businesses in a market of big box retailers racing with them to the lowest possible price.

I have a 13th birthday party, a baby shower, Thanksgiving, and Christmas to pay for in the next 60 days, and I’m not sure how to pull it off. Sound familiar?

Consumers are living in the same economy as small business owners and Amazon employees. Record-high inflation and fast-rising credit interest rates are crushing the aspirations of Americans looking ahead to the holiday season. Family budgets are razor thin, monthly savings are being depleted by higher fuel, grocery, and utility costs, and as a result, consumer spending habits are changing.

The usual December splurge on Christmas gifts isn’t possible in this period of inflation. Instead, shoppers are spreading out their purchases over several months, with a reported48% of young shoppers (ages 18-29) saying they’re not waiting around for the Black Friday tradition.

Amazon, Costco, and Walmart take notice of these trends, and consumers end up the winners with repeated opportunities to save on TVs, laptops, appliances, and other assorted gadgets.

It’s quite the position for the Biden administration to take, continuing to spend the country into an inflationary spiral all while backing the FTC’s war on American companies meeting consumers where they’re at financially.

As put in the pages of The Economist, “The main effect of the president’s economic policies has been to boost prices.” Is that what Biden means when he whispers , “Bidenomics is working”?

It would be a welcome change for the administration to demonstrate some shared interest with everyday Americans and consumers heading into the holidays. If you take “Bidenomics” and the FTC’s broad antitrust campaign as two parts of the same whole, you might conclude that a war isn’t being waged on Amazon and big box retailers, but on you.

Originally published here

Half measures on gambling won’t work well for North Carolina    

North Carolina is entering a new era with the recent legalization of sports betting statewide, set to take effect on Jan. 8, 2024. Gov. Roy Cooper signed HB 347 over the summer at Spectrum Center, home of the Charlotte Hornets, but already industry advocates and gamers are wondering if this was a half measure in need of a broader vision for leveraging the potential for gaming in the state. 

iGaming, shorthand for online casino-style gaming, was left out of HB 347. State budget negotiations have been slowed by ongoing disagreement over how to incorporate iGaming into the new gambling status quo.   

NC lawmakers need to be proactive and create a framework for this activity.   

There’s a reason Gov. Cooper christened the expansion of betting on the Charlotte Hornets home court. Americans are wild for sports, and any conflicted feelings people may hold about the proliferation of gambling can be somewhat smoothed over by the love of sports. It’s an easier sell from a cultural perspective, and lawmakers from both parties know that fans see betting as an obvious extension of the sports fan experience.   

There is no getting past the financial benefit for North Carolina either, and Republicans in Raleigh were not gung-ho to turn down an estimated $74.9 million in new revenue from betting taxes and licensing fees for the 2024-25 fiscal year. Even better, that figure is expected to rise to nearly $100.6 million by 2028. Revenue will come from an 18% sports wagering tax placed on sportsbooks licensed by the North Carolina Lottery Commission and players will have access to mobile betting, as well as in-person wagering.   

iGaming is different, and it doesn’t have the benefit of association with ultra-popular professional sporting leagues and household names like FanDuel and DraftKings to place bets. This is access to state-sanctioned casino apps on a personal device or computer, so consumers and gamers can play the odds wherever they’d like, without having to set foot inside a brick-and-mortar casino.   

Casinos are a prickly subject in North Carolina, like anywhere else. They’re a hugely consequential from a development and job creation standpoint, as articulated by Senate President Pro Tempore Phil Berger, who said of traditional casinos, they’re “the only form of gaming where you’re going to see a significant creation of new jobs to the state, whereas you’re not going to see that with something on people’s phones.”   

That’s a fair point. For politicians working to strike a balance between practical benefits to their constituents and moral concerns, casinos represent a bargain they can present as tightly controlled. Mobile gaming comes with more question marks.  

Will it undercut investments made in physical casinos? How will iGaming account for age verification, an increasingly hot debate happening in state legislatures regarding social media access and pornography?   

These questions have been answered in Connecticut, Delaware, Michigan, New Jersey, Pennsylvania, and West Virginia, where iCasinos have already been legalized for residents. Consumers like to have options when it comes to bets and gaming, and the argument that casinos would be undercut ignores the fact that they serve a different audience than people who enjoy iGaming. Age verification of gamers is also accounted for by the business model of gaming apps, where the cost per verification is baked into their profit outlook.    

The money generated for state coffers isn’t bad either. Connecticut’s iCasino sector generated $40 million in taxes, compared to a meager $13 million driven by sports betting. New Jersey had the same experience, with iGaming more than tripling revenue from wagers on sports. In both cases, physical casinos still raked in vast sums more than their digital counterparts.   

North Carolinians who want to gamble online, will gamble online. An unregulated market for this activity already exists, and the best response is always to create legal frameworks that protect consumers and benefit the state. A gaming commission would need to be established, and North Carolina could start by looking to Maryland as a model for bringing gaming and the lottery under the roof of a single commission.   

Half measures don’t make for good policy, and North Carolina opening the spigot on betting revenue should be based both on what consumers want, and what will maximize revenue for the state in return. It would be best to get out in front on iGaming and not have to play catch up on expanding consumer choice. When it comes to responsibly regulated online gambling and sports betting, everyone wins.  

Originally published here

People renting backyard pools told to stop operating ‘public pools’

Backyard pools across the Triangle are available for rent, advertised on the Swimply app as ‘Hidden Gem’, ‘Private Oasis’ and ‘Tropical Retreat.’

However, some hosts on the site are getting push back from local officials. The hosts are being told to stop operating as a “public pool” or face consequences.

There is no law in North Carolina governing backyard pool rentals specifically; but guidance from the Department of Health and Human Services says if you rent out your backyard pool, the pool is considered public.

Orange County said they were following that guidance when they sent a letter to Chris Paolucci telling him to stop operating the pool in his backyard as a public pool.

Paolucci is a Swimply host and has been renting his backyard pool to others who may not have pool access.

“It gives that opportunity for people without, and it gives us an opportunity to cover our costs,” Paolucci told 5 On Your Side.

Swimply works like other sharing apps Airbnb and Vrbo, but it’s just for pools and visitors can rent by the hour.

“Typical it’s like 2 to 5 people coming, small families,” Paolucci explained about his experience hosting on Swimply.

Paolucci said he was confused when he got the letter from Orange County. The letter said Paolucci needed to have a public pool plan review, a commercial grade pool and an operational permit from the county to keep operating as a public pool.

Read the full text here

Consumer Choice Center rejects the DOJ’s politicized attack on Google

Google is about to fight the first serious antitrust battle of the 21st century. Beginning this week, the Department of Justice (DOJ) will argue in federal court that Google engaged in anticompetitive practices to maintain its status as the most popular search engine in the world. 

The claim, being put before Obama appointee Judge Amit P. Mehta, is that Google wrongfully entered into exclusivity agreements with smartphone manufacturers, including Apple and Samsung, to preinstall its search engine as the default option on their device web browsers. 

Stephen Kent, Media Director for the Consumer Choice Center, an international consumer advocacy group based in Washington, D.C., said of the DOJ’s case, “Antitrust cases like this are predicated on the false assumption that consumers have been duped into using a product, even when that product is broadly accepted as the gold standard for its industry. This is a waste of time for our court system.” 

The lawsuit was originally brought in October 2020 by then-Attorney General Bill Barr, during the final months of the Trump administration. The suit contends that Google has illegally kept the public from easy access to Microsoft’s Bing, Mozilla, and DuckDuckGo for online searches. If Judge Mehta agrees, Google could be forced to restructure. 

Default search engine deals are commonplace in the development of web browsers. Consumers enjoy ready-to-use products and expect a quality experience. That’s why Mozilla canceled its deal with Yahoo in 2017 for a default search arrangement, reinstating Google Search. So many consumers were switching manually, Mozilla responded in an effort to protect their own brand.

The Consumer Choice Center stands against this politicized attack by the Department of Justice on Google. Mobile device manufacturers want consumers to have a top-notch experience when using their product, and presetting Google as the search engine is within their right. “I’ve used DuckDuckGo on my iPhone now for several years, and even now it takes just four clicks to switch back to Google, Bing or Yahoo,” Kent continued, “This suit is about distracting Google from its core business, bogging them down to prevent further growth, and making an example of a major tech company for political points at a time of bipartisan skepticism of the tech sector. This does nothing to improve consumer welfare, and will harm future innovation that consumers demand.”

Biden’s Department of Energy doesn’t know what will save Virginians money

In the first weeks of 2022, it came time to replace a number of appliances in our Manassas, Virginia home.

The attic’s insulation was no longer effective and the AC/heating system was struggling to push air into every room.

Thanks to a detail-focused handyman, we also learned that the water heater was in dire need of replacement.

HVAC repair was enough to bust whatever budget we had in mind for home repairs to get us through winter, and the subject of also buying a water heater was insult atop injury.

We considered our options and financed a new $800 water heater and far more expensive HVAC system at 9.99% interest over a 12-month period.

Like everyday consumers across America, my wife and I have the most intimate understanding of our finances and the conflicting priorities within our monthly budget.

Does Joe Biden’s administration and his Department of Energy under Jennifer Granholm, presume to know what was best for us when we needed new home appliances?

In July, Biden’s DOE released new proposed energy-efficiency standards for water heaters, following a contentious few months of defending their intent to restrict consumer’s use of gas range stoves.

The administration both defended its policy while simultaneously claiming the coming restrictions were pure fiction dreamed up by their opponents in Congress.

Come 2029, these regulations would mandate that new boiler installations employ electric heat pumps. These heat pumps draw warmth from the surrounding air to heat water, as opposed to internally heating the water.

The standards for traditional gas-fired water heaters will be tightened, with the inevitable effect of increased costs.

The economics of this are quite simple. Heat pump water heaters are more energy-efficient machines because they take in surrounding heat rather than having to create every bit of heat from nothing.

Consumers stand to save several hundred dollars per year on a heat pump system. The Biden administration and its environmentalist hawks favor pumps because they produce less emissions than gas boilers.

The problem is that heat pump water heaters are more expensive, sitting anywhere from $1,500 to $3,000 upfront for the device — whereas conventional gas heaters are usually only $500 to $1,000.

In a perfect world, consumers would think long-term about every expenditure and investment they make. But since we live in the real world, people are just trying to get to tomorrow.

Collectively, Americans now owe over $1 trillion in credit card debt, led primarily by credit card balances.

Virginia is in the top 10 nationwide, with the average Virginian needing at least 13 months to pay down their balances, according to a study by WalletHub.

A lot of us are spending money we don’t have, and it’s gotten so bad during this period of high inflation that even groceries are being purchased on credit in record numbers. If this sounds like you, you’re not alone, I’ve been there.

If you’re debt-free or financially secure, the DOE rules which would force you toward a more expensive and efficient water heater will not seem like a big deal.

If you’re like the millions of Americans treading water due to the rising costs of living, that water heater will more than likely go onto your credit card tab. With credit card delinquency rates rising, any savings from energy efficiency will disappear.

The ugly thing about making big purchases on credit is that you’re gambling on nothing else bad happening in the no-interest period of the debt. In our case, go figure, more bad stuff happened. Fifteen months later we’re still paying for that financed water heater and sorting through the accumulated interest.

The White House has recycled DOE Secretary Granholm’s talking point about consumers saving around $1,000 over the lifetime of the heat pump water heaters, but don’t be surprised if they quietly walk back the projected consumer savings like just happened with the Department of Energy’s report on gas stove regulations.

Regardless of whether one device or another saves my family money month to month by being more energy-efficient, regulators don’t know what’s going on in my life or my bank account.

Consumers will buy the products they need when they need them and in the case of expensive appliances, that probably just means adding to their debt. Consumers truly save money when they can afford the products they buy and get to choose from a wide range of appliances on the market.

We’ll manage our home, Secretary Granholm, you manage yours.

Originally published here

FTC prepares to take on Amazon

The Federal Trade Commission is reportedly considering action against Amazon amid concerns it has grown into a monopoly. Stephen Kent of the Consumer Choice Center joins Jim on “The Final 5” to explain why he thinks it’s a losing proposition of FTC chair Lina Khan.

Watch the interview here

Harm reduction, not policing, will boost public health in Alabama

By: Elizabeth Hicks & Stephen Kent

In a landmark move earlier this year, Alabama state lawmakers passed first-of-its-kind legislation effectively outlawing the use of cigarettes and vaping products in vehicles when a child 14 years of age or younger is present. That law is now in effect statewide. While the intent behind this legislation is undoubtedly noble, the treatment of vaping and smoking as equals is going to cause real harm in Alabama. This will not go the way lawmakers think. 

The idea of the new law is simple. Adults should not be subjecting young children to cigarette smoke and adversely impacting their health when the kids have no say in the matter. Smoking, after all, is a choice that adult consumers make for themselves. 

Older folks who grew up in the heyday of cigarette smoking often share some memories of being in smokey cars with the windows rolled up, toughing it out at a time when smokers weren’t widely aware of the hazard posed by second-hand smoke to their passengers. That time is past. 

Acknowledging this fact, we have to all ask ourselves what protection is owed to young passengers in the car with smokers, and also what kind of laws will reduce harm for both children and their parent/guardian in the driver’s seat. Alabama Representative Rolanda Hollis made an effort to address this in HB3, but the law’s failure to make distinctions between cigarettes and vape products which have been shown to be 95% less harmful than traditional cigarettes, is not going to be a net benefit to public health. 

Alabama is a state that sees a staggering number of smoking-related fatalities, close to 8,600 deaths annually, along with nearly $309 million in Medicaid costs incurred by the state. Reducing these harms is important, and it should start with incentivizing cigarette smokers to switch. Passing laws that insinuate the two products are equally harmful reads to a smoker as an excuse to keep on with the product they’re accustomed to. Switching can be hard, but the potential for small social benefits like not being kicked to the curb every time you want to smoke is one of those things that makes the switch to vaping easier. The same goes for smokers behind the steering wheel. 

Harm reduction strategies work. There is little evidence, however, to show that punitive measures like $100 fines for smoking in the car whilst parenting is going to be a boon to public health in states like Alabama. 

As is well known, cigarettes contain a harmful cocktail of chemicals and tar, which contribute to respiratory diseases and cancer. These components are not present in the vapor produced by e-cigarettes.  Toxicologist Igor Burstyn of Drexel University noted that the contents of e-cig vapor “justifies surveillance,” but that exhaled vapor contains so little contamination that the risk to bystanders is insignificant. This has been supported by Public Health England’s updated review of evidence in 2018. 

Tacking financial penalties to vaping in the car, even with the windows down and fresh air flowing in, smacks of the early days of COVID-19 alarmism when police were arresting people for being outside at public beaches or doing watersports. When it comes to vaping, the level of risk and the effort that will be required to police the activity, just don’t line up. 

Yes, nicotine fuels both products in question, and there’s no getting away from its addictive qualities for the smoker. If the Heart of Dixie wants to lead the way in protecting public health, it is never too late to embrace harm reduction strategies when it comes to smoking. 

Elizabeth Hicks is the U.S. Affairs Analyst and Stephen Kent is the Media Director for the Consumer Choice Center

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