Human Barometer

On a grey and dreary day, nearly everyone is running a bit low. You can see it in people’s faces – they’d rather snuggle under a blanket with the cats up close and warm. Some of us, however, are even more sensitive to the weather than that. We are the human barometers.

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Bad Girls

My kids tell me just enough that I can divine things have changed. The world they are learning about will one day be theirs on their terms. But for now, it’s my job to help them make sense of it. That means I have to make some sense of it first.

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A Good Meal on a Dreary Day

It’s a gloamy day in Saint Paul, with the threat of more liquid life hanging over us as if Spring doesn’t exactly want to come yet. This is my mail day, when I answer my letters. I love doing this, because your cheery letters make blogging worthwhile for me!

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One Year On

Here it is, another wet and grey April day. Just yesterday we celebrated the arrival of spring by opening the doors of the shed and pulling out bikes and charcoal grills. Today, it is raining and cold. Spring and warmth and growth and an easy life doesn’t come at us all at once, but it little teases. That’s what we have to expect in the middle of a large continent.

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Not at Any Price

There are many reasons why banking should be boring. The most important reasons can be complicated, such as the simple fact that fancy new financial instruments actually increase instability in the entire system, or very simple, such as the need for a certain level of democracy and thus understanding in basic financial systems. But there’s one more reason that banks need to stick with the boring process of borrowing or accepting deposits at one rate and loaning at another, making money on the “spread” between them: they don’t know how to do anything else.

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