In the April 9 Wall Street Journal, there is a front-page story about the impact of sub-prime lending on ordinary citizens. Featured in the story is a 74-year-old self-employed tailor who put her entire $55,000 life savings into a high-interest-rate notes issued by a Philadelphia lender called American Business Financial Services. When the firm went bankrupt, she and others lost their entire life savings. The blog entitled The Importance of Being Financially Literate reinforces the fact that Americans lack financial knowledge even in the most basic savings and investment decisions.

While the story is a tragedy, it brings to mind the urgency of focusing on teaching all Americans financial literacy. The National Urban League and its affiliates have specific financial literacy programs, specifically focused on first-time home buyers. Operation HOPE, headed by the very impressive John Bryant, is specifically focused on broad-based financial literacy. These are great programs, and they provide individuals with good nuts-and-bolts tools. Other notable mentions on behalf of the National Urban League in partnership with Honda amid the turbulent economic climate include their offering of personal financial management classes. The acclaimed “Know Your Money Program” seeks to provide economic empowerment and financial literacy to those individuals in communities seeking to change the attitudes about money and money-management. The program is highlighted in this Honda Blog post. (more…)

As a person who studied Communications, Political Science, and Law during college and law school, I am acutely aware of the power of language to shape how we think about and act on problems.

The main example that comes to mind is the way we characterize how government positions are filled.

When I was growing up, like most American history students, I read about the 1881 assassination of President James Garfield, who was killed by a “disappointed office seeker.” I learned that this tragedy gave rise to “civil service reform”, which, if I remember the history books, characterized the change as being one which replaced an appointment system based on “patronage” or “spoils” with one based on “merit”. Like most Americans, I came to believe that the civil service system was an unqualified positive development for American government, and the old system was corrupt, to the point of being “un-American.” In fact, on the radio this past week, I also heard a radio commentator refer to “patronage” appointments in a very disparaging way. (more…)

The Sunday, January 6, New York Times Magazine cover story was about the disappointing results of the electronic voting technologies implemented by many states after the passage of the Help America Vote Act, which resulted from the problems identified in the 2000 Presidential and Congressional elections.

I have always believed that government officials and businesses get too enamored of the latest and greatest technology, without recognizing and trying to retain the benefits of older technologies. Pitney Bowes has strongly believed that the most secure system of all is voting by mail, which supplements traditional paper-based ballots with state-of-the-art address management software and ballot tracking and tracing systems.

The biggest problem identified in the article was the quirkiness and unpredictability of computer-based systems, which fail in unexpected ways on election days, because of the large number of people using them. The kinds of misuse possible when tens or hundreds of millions of people use a system are not all predictable, and, therefore, not preventable. This Freedom to Tinker blog post clarifies some points made in the article in reference to this topic. (more…)

In the past month, I have had the privilege of immersing myself in a number of health-based dialogues. As we think about how to get people to engage in healthy behaviors, we must understand the importance of the social networks of which people are a part in driving behavior change.

At Pitney Bowes, we start with the realization that the most important social network is the family unit. If we can reach the individual who makes health-related decisions for the family and persuade that individual to drive healthy behaviors in the family, we have gained a great deal. That’s why we did a home mailing in October to urge our employees and their families to get flu shots.

The workplace peer group is the second most important influence because individuals typically spend more waking hours at work than anywhere else. That’s why we have emphasized creating a culture of health in the workplaces we control. (more…)

Having recently read a great book called Why Politics Matters by Gerry Stoker, I came to realize why it is so critical to get voting and other forms of citizen engagement right. Without a secure, convenient, reliable voting system and without broad-based citizen participation in some way in the decisions affecting a group of citizens, it is very difficult for elected officials to govern. Their legitimacy would be consistently questioned.

The major question Stoker tackles in his book is why, with all the many ways in which citizens can interact with government today, with the tremendous increase in two-way communications, with higher “responsiveness” by elected officials to citizen demands than ever, citizens today are dissatisfied and alienated from elected officials in democracies than ever before. They have less confidence in their elected officials than ever before.

This is not a phenomenon confined to one country, one political party, one type of leadership, and one set of economic and political circumstances. There is a remarkable uniformity in the intensity and the level of growth in dissatisfaction. Why? (more…)

One of my passions ever since I was a teenager has been government. As a teenager, I actually wrote an op-ed piece for the Rochester, New York, daily newspapers advocating reduction of the minimum voting age from 21 to 18, which happened years later.

Today, I believe strongly that we are best served as a society to the degree that all of our citizens participate in some way in helping government function better.

The first and most important way to help government function better is to vote. I believe strongly in making voting secure and having complete integrity and trust in the voting process, but, at the same time, we need to make it easier for eligible voters to register and vote. That’s why we have provided secure voting-by-mail solutions through our Relia-Vote system. That’s why I have believed that states should allow “no-excuses” voting by mail as an alternative, very much the way California offers voters the choice of either voting in person or registering to vote by mail. The states that have complete voting-by-mail systems, Washington and Oregon, have higher participation rates, on average, than other states. One could argue whether voting by mail is the cause of that or whether an already engaged citizenry in those states demands voting by mail, but I believe it has to help voter participation to add choices on how voters can exercise their right to vote. (more…)