Become a Free Agent Now

If you haven’t recognized that work is quickly shifting toward free agency and away from longer term employment, you really must understand what is happening to the nature of work if you hope to perform it and make any money going forward. Depending upon whom you read, the last several decades have seen an accelerating shift to an information, knowledge or creative age. However you choose to term it, they all mean the same thing: humans are moving toward ever-higher value work and away from more rote, assembly, industrial or lower value effort.

The difference now is that the internet and our tools (e.g., mobile devices, Wifi, collaborative web and app tools, etc.) has made it easier than ever before for us to work when, where and for whom we want.

The concept of free agency came from professional sports (via Wikipedia): In professional sports, a free agent is a player who is eligible to sign with any club or franchise, i.e. not under contract to any specific team. The term is also used in reference to a player who is under contract at present, but who is allowed to solicit contract offers from other teams. In some circumstances, the free agent’s options are limited by league rules.

free-agent-nationThat free agency concept was built upon by the author Daniel Pink (a guy whose books I embrace) but with a twist: sports free agency means a player can consider offers from other teams while the business concept means that one is essentially doing work for multiple companies, organizations or individuals.

The term free agent for business is believed to have been coined by Pink, author of a 1997 cover story in Fast Company titled “Free Agent Nation” and his subsequent book by the same name. From a Wikipedia article on business free agencyIn business, a free agent refers to someone who works independently for oneself, rather than for a single employer.These include self-employed workers, freelancers, independent contractors and temporary workers, who altogether represent about 44 percent of the U.S. labor force.

Besides the internet, there are other influences catalyzing the shift to a new, free agency age. For instance, the Affordable Care Act (i.e., “Obamacare”) is being looked at by many in the venture capital community and elsewhere as potentially one of the biggest catalysts to entrepreneurship ever (see Obamacare & the Coming Entrepreneurship Boom and Affordable Care Act Could Be Good for Entrepreneurship). The latter article points to this report (PDF) that says the number of self-employed people is expected to rise by 1.5 million as a direct result of the health care overhaul. Good news to anyone who is still stunned by the lack of hiring going on in the U.S. even today.

You might already be participating right now as a free agent. Many of my colleagues and peers are and they vary in age from 28 to 64. You may also be thinking right now, “OK Borsch…I get it that work is transforming and that I should be doing something about it. But what exactly?

Thought you’d never ask.  Read More

Obamacare: $500 More?

laughing-execsHealth insurers were likely howling with laughter in their executive conference rooms when they came to realize the windfall coming their way due to the Patient Protection and Affordable Care Act (i.e., “Obamacare”). 

Though many of us have been eagerly anticipating the overhaul of the healthcare system to drive down the spiraling-out-of-control healthcare costs nationwide, it’s unlikely it will do that (at least initially) and will almost certainly cost us all more money every month as well.

It’s going to cost my family and I approximately $500 more per month starting in JanuaryLet me give you my real-world example:

  • WHAT WE PAY TODAY: As a self-employed couple, my wife, son and my healthcare coverage costs us $1,173 per month (for a high, $5,000 per year deductible each). I should also note that this cost has gone up since our health insurers have been slowly ratcheting up costs, undoubtedly because they can “grandfather” in any cost increases before the healthcare marketplaces kick in this January. 
  • mnsureWHAT IT WILL COST US IN JANUARY OF 2014: The Minnesota marketplace called “MNSure” is coming online January 2014 and their website has this calculator. Based upon our ages and household income level, it estimates* our payments to be $1,667 per month!   (*The calculator estimates since the State of Minnesota DOES NOT YET KNOW what the premiums will cost. Seriously? MNSure comes online in just over four months and you can only ballpark the cost!?!).

That is an increase of $494 per month in our monthly premiums for a “Silver” plan — a 42% potential increase! There will be three tiers of plans: Bronze, Silver, and Gold. A Bronze level plan will cover roughly 60% of the costs of services MNSure offers. Silver will cover roughly 70%, Gold will cover roughly 80% percent, and Platinum will cover roughly 90% of the costs of the benefits provided.

A website that explains much about Obamacare called Obamacare Facts had a section on Health Insurance Premiums was enlightening but useless as far as anticipating (or even calculating) what we (or you) will write checks for coming in January.

Here is the punchline and why you can absolutely be guaranteed your healthcare premiums will increase come January:

Some insurance companies are using the confusion over ObamaCare to raise premiums on unsuspecting Americans in order to capitalize before more protections are put in place, grandfathering people into more expensive plans. This is in response to protections going into effect in 2014 and the need to cover more high-risk Americans. If this has happened to you, please tell us who your insurer is and give us some other background so we can continue to investigate who is behind this.

Note On Health Insurance Premiums: Your provider can “grandfather you in” by upping your premium now and keeping it that way once the insurance cap protections kick in in 2014. They can also grandfather you into plans that don’t provide coverage options that are required under the Affordable Care Act until 2015.

Sigh. We’ll have to see what benefits Obamacare actually brings but even I, a former cheerleader for heathcare reform, have put my pom-poms down and I’ve sat down on the bench.

Lavabit Owner (carefully) Speaks Out

Lavabit, the secure email provider with over 400,000 users (including me as of last month) was unexpectedly shutdown by its founder, Ladar Levison. We don’t know why exactly because it’s a secret and Levison is under a gag order. 

It is likely Levison is “gagged” because he received a national security letter, an administrative subpoena used by the FBI, which has an attached gag order which restricts the recipient from ever saying anything about being served with one. The government has issued hundreds of thousands of such NSLs accompanied with gag orders. The gag orders have been upheld in court because they fall under the Patriot Act which, in my opinion, is one of the weakest, constitutionally violating laws ever passed by Congress.

What could Levison say about his instant shutdown of Lavabit?

“I have been forced to make a difficult decision: to become complicit in crimes against the American people, or walk away from nearly 10 years of hard work by shutting down Lavabit.” 

In probably his most obvious (since so many of us now do have knowledge, thanks to Edward Snowden) and troubling statement he added, 

“I think if the American public knew what our government was doing,
they wouldn’t be allowed to do it anymore.”

Democracy Now, the internet news organization, snagged an interview with Lavabit founder and owner Levison. Alongside him was his lawyer who was there to ensure Levison didn’t inadvertently cross over a fine-line that would land him in prison for violating the gag order. If you are somewhere that watching a video wouldn’t be appropriate, there is also a transcript of the interview here: Owner of Snowden’s Email Service on Why He Closed Lavabit Rather Than Comply With Gov’t.

Here is the interview:

I Am NOT Paranoid

spookSince I skim literally hundreds of articles per day in my news feed — some days are upwards of 2,000 or more — there is no question I stay on top of the latest developments in a whole host of categories (just look in the right sidebar at “Posts by Category” and you will see most of them). Add to that my deep interest and layman’s knowledge of history — and my awareness of the circumstances that have led up to massive shifts in power which have led to totalitarianism, fascism and war — and you bet your life I’m deeply concerned but don’t consider myself paranoid.  

Friends, family (and two of my clients who read my blog) have pooh-poohed my seeming “paranoid” concern about what is going on with the National Security Agency and the revelations. I must admit feeling vindicated and pleased that my fellow citizens are finally feeling outrage and are making their thoughts known to Congress.

Over the weekend I did some blog cleanup and was fascinated to take a look back at posts I wrote as early as 2006. I also remember deleting numerous posts in the 2002-2005 timeframe since it didn’t feel safe to publish them. Not that some shadowy figures would come to get me, but the sentiment and mood in the country had already shifted to the “rah-rah, waving the flag” toward treating anyone dissenting (or even questioning) with a mix of revulsion, anger and a seeming certainty we were traitors. Read More

My 2013 Road Trip Adventure

Just returned from a 9 day adventure covering 3,200 miles through 8 states! The beauty, solitude and learning I experienced on this trip was amazing.

One of the surprising highlights was the Beartooth Highway, a drive the renowned CBS reporter, Charles Kuralt, dubbed the most beautiful drive in America. It absolutely was spectacular and, since I arrived up to its entrance at about 5:30am, I essentially had the highway all to myself (maybe saw four other vehicles from its entrance to the gate in to Yellowstone National Park).

Here are a few select photos I took which you can view within a slideshow here, or get better views of each photo by seeing larger versions of the images on a single page at my Flickr account.

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We Are All Gonna Die! (But Before You Go…)

no-noNone of us are going to get out of here alive (meaning life overall) and ignoring the fact that you are going to die is never a good idea. But since you could very well live into your mid-80s—and be retired for 20 years or more—not planning for those 20 years is a huge mistake.

Over the past several weeks I’ve been examining our retirement portfolio in order to decide on when we could/should/probably-will retire. We’ve saved all of our lives (even when we didn’t have two nickels to rub together) and thankfully are in great shape, but it turns out that most people are not and the recent economic downturn didn’t help (though investment assets and 401ks are rebounding).

A few weeks ago Larry Fink, CEO of Blackrock, Inc (a wealth management firm), had his “radical retirement recommendation” discussed in this CNNMoney article. 

BlackRock Inc. chief executive Larry Fink said during a speech Tuesday that longer life spans and underfunded retirement plans are the defining challenge of our age, and went so far as to recommend that the U.S. consider making retirement savings mandatory.

Radical? Probably not, especially if someone 25 years old expects to get anything out of social security when they retire. Yes, Fink has a vested interest in sparking interest in retirement funds management, but he’s not the only one talking about this as a crisisRead More

The Ends Justify The Means?

TEJTM101Was at two high school grad parties yesterday and found myself having disheartening conversations with several young people who had just graduated high school. We talked about what they’d be doing post-high school, their visions about their future lives and whether they thought what they wanted to do was achievable, and what kind of world they thought they were inheriting from those of us were close to passing it on to them.

I was not prepared to hear their sense of sadness, fear, pessimism and, especially, their true befuddlement that the BIG lesson they had been taught by those in power was that:

  1. It was OK to lie to the world to start a war and no one is held accountable
  2. If you are a huge financial institution and instrumental in facilitating a global economic meltdown, not only will you not go to jail but your company is saved and it’s back to business (and bonuses) as usual within a year or two and no one is held accountable
  3. That a “terrorism Pearl Harbor” is excuse enough to spend trillions abroad while at home our infrastructure fails and our country embarks on the largest runup in mass surveillance while trampling on our Constitution’s Fourth Amendment and no one is held accountable (at least not yet)
  4. The richest and most powerful nation on earth has the highest incarceration rate in the world, while many of the crimes (especially ironic compared to no jail time for those in #2 above) are petty in nature.

While I tried to continually steer the conversations toward a more positive note—and part of their funk might have been partially attributable to our crappy, rainy weather yesterday—they continued to be gloom-and-doomsters about the state of our country and how uncertain they felt about the future.

gordon-gekkomother-theresaThe lessons taught to (and learned by) these young people? The ends justify the means. Makes me wonder if the next several decades may make many of these young people look more like a Gordon Gekko character than a Mother Theresa, and that our country’s ethical decline is now systemic and most of the skids-are-greased to make it easier for the United States to become a totalitarian country.

Thoughts About the Secret Police


The Ministry for State Security (German: Ministerium für Staatssicherheit, MfS), commonly known as the Stasi, has been described as one of the most effective and repressive intelligence and secret police agencies in the world. (More here at Wikipedia)

All last evening, and over lunch today, I’ve been reading dozens and dozens of articles on the shitstorm going on with respect to the National Security Agency and their scooping up data about Verizon phone calls and how the NSA has access to major companies (see U.S. intelligence mining data from nine U.S. Internet companies in broad secret program) to collect our emails, photos, tweets, chat logs and more. Last night and today the aggregator Google News displayed links to over 2,000 articles (and that doesn’t count all of the blog posts) about this ongoing issue. 

But it was a post today that crystallized the FEAR about what’s going on in a way I’d not yet read from anyone or any news outlet.

Your iPhone Works for the Secret Police, from Harvard Business Review blogger James Allworth, recapped our fear about what the NSA mass data vacuuming means for all of us. As someone whose ancestry hails from Prussia and Germany — and that I’ve spent alot of time in Germany, especially just a few years after the Berlin Wall fell — I can tell you that the effects of the Stasi repression was still palpable. Allworth points to the Stasi as an example of an intelligence service run amok and what it could lead to:

The infamous East German secret police, the Stasi, managed to infiltrate every part of German life, from factories, to schools, to apartment blocks — the Stasi had eyes and ears everywhere. When East Germany collapsed in 1989, it was reported to have over 90,000 employees and over 170,000 informants. Including the part-time informants, that made for about one in every 63 East Germans collaborating to collect intelligence on their fellow citizens. You can imagine what that must have meant: people had to live with the fact that every time they said something, there was a very real chance that it was being listened to by someone other than for whom they intended. No secret police force in history has ever spied on its own people on a scale like the Stasi did in East Germany. In large part because of that, those two words — “East Germany” — are indelibly imprinted on the psyche of the West as an example of how important the principles of liberal democracy are in protecting us from such things happening again. And indeed, the idea that it would happen seems anathema to most people in the western world today — almost unthinkable.

President Obama, Congressional leaders and any others are defending the subversion of our Constitution and the 4th amendment as “legal” and “sanctioned”. But when everything is secret, how can we do what President Reagan said about our relationship with the former Soviet Union “Trust…but verify”? The answer is “we can’t” and what’s going on right now in the present-day United States would have been a Stasi leader’s wet dream back then.

If you read nothing else about this important issue, take a few minutes and read Allworth’s article here

UNREASONABLE Search & Seizure: Why *Don’t* You Care?


The acceleration of the surveillance state accelerated almost immediately in the aftermath of the horrific terrorist attacks on September 11, 2001. There have been so many erosions of our civil liberties that I hardly know where to begin even thinking about this issue, let alone trying to determine why so many of my family, friends, social media connections and colleagues seemingly don’t give a shit and exhibit no outrage.

Remember when President Obama announced the killing of Osama Bin Laden and millions of Americans stood up to cheer? Well I remember that too but continue to hear the echo of rhetoric by government officials and Congressional politicians who have continued to say, “But there hasn’t been another (Al Qaeda) terrorist attack on American soil so see how we have kept you safe!?! Aren’t you pleased at the more than $1 trillion dollars expended on the Dept of Homeland Security and our various wars because you do feel safer now, right?


I’m with Ben. I feel NO safer and am certain that if ANY terrorist attacks had been stopped—or any data could point to the return we’ve received on our security ‘investments’ to date—that our security agencies and Congress would be tripping all over themselves to make certain we all knew how incredible they are and that they’ve nearly bankrupted the country to fund it all was worth it. Instead, notice how over the last twelve years there has been basically zero release of data on any thwarted terrorist attacks? Instead of feeling safer I can count dozens and dozens of ways our essential liberties have been taken away from us, all with the justification that they are keeping our nation “safe”.  Read More

Impressions of Cory Doctorow’s “Homeland”

My son, Alex, is an ardent fan and admirer of Cory Doctorow‘s fiction. I really appreciate the way Cory’s mind works, his deep and abiding passion for freedom from the clueless and the oppressors, his ability to bring awareness to things I’d otherwise miss at BoingBoing, and that he understands technology and internetworking in ways that few among us do. But what I like most is that Cory can communicate all of that in his writings, public speaking, work for organizations like the EFF, and in entertaining ways that teach young people like my son about the forces at work for good and for evil with tech.

Cory Doctorow

Cory Doctorow

Since Alex loved one of Cory’s works, Little Brother (so much so that he’s read it seven times), in early December I poked around Cory’s website to see what was new so maybe I could come up with a Christmas present for my son.  Much to my delight I saw that he had a new novel, Homeland, a sequel to Little Brother. I instantly logged on to Amazon but saw that it didn’t ship until February!

Now what? Since I’d emailed a couple of times with Cory back in 2009 (about Alex’ and my experience with Little Brother as I explain here in this post) I sent him a note to find out if there was any way to buy an early copy. Unfortunately the answer was ‘no’ but was stunned when he replied:

Hey Steve! Sorry we can’t make a “real” book appear for Xmas, but I can give you an early, eyes-only, do-not-distribute ebook version of the book to share with the kid? (You could print it and stick it in a three-ring binder under the tree, I suppose!).

I immediately ordered a copy from Amazon so Alex would get it as soon as possible and then printed the PDF and bound it. To say Alex was blown away at Christmas is an understatement! Thank you Cory.

But what about the book Homeland? Is it good? Alex and I agree: though Little Brother was a resounding success and a great book, Homeland is better and a perfect sequel (and I think it would make a great movie…but I digress). Here is a schedule of Cory’s stops on his Homeland tour if you’d like to connect with him directly and learn more about Homeland firsthand.

Alex and I agreed we’d do a podcast when we both finished the book. I put Homeland on my iPad and, since Alex is in his first of college and jammed with homework, it took him a bit longer to get to reading it but he finished it this past weekend. Both of us loved the book and we talk about it at length in this just under 20 minute podcast:  Download here

Bottom line? Go and buy Homeland now.