Herb Kay's S.O.S. System
  March 23, 2010
  "I'm Herb Kay and the most important thing to know about me is that I'm not going to lie to you or pull your chain. Ever. In my S.O.S. Guides, I give you, well, guidance, in a straight-talking and step-by-step way. The website offers the "advice side" of my system. Here, in my blog, I'm going to dig a little deeper and get a little grittier. That's the opinion side of my system. Will I say something that might shock you? Maybe. Will I ruffle some feathers? Perhaps. Will you close the page with some food for thought? Absolutely."

The Herb Kay Way is the straight forward, never-mince-words way. Check out Herb's latest blog on your money, your career, your debt, the economy and the world we live in.
 
When Downsizing is a Powerful Tool
Can We Address the Important Issues?
Just a Sentence or Two.....
A Dose of Reality
Getting Involved and Taking a Stand
Study Up on Your Loans
Drop Back Ten and Punt!
Who Can you Depend On?
Some Sobering News About the Economy
Grab a Beer and Take the Slide Home......
Another Loophole, Another Lesson
What is Your Core Conversation?
Loyalty and Leadership
The Argument for Being a Grownup
The 'Business' of Complaints
Electricity in the Air......
Taking a Hard Look at the Figures
A Public Life
My "Advice" to You
Perspective vs. History
Worried Sick!
It's About the Kids!
Gooooooooaaaallll?
Where Will the Money Come From?
Immigration Arguments: Debunked!
Blame Policy, Not Banks
Happy Birthday America!
Crony Capitalism
G8/20 and What That Means For You!
Our Economy and the Free Market
Building a Bubble?
"Fixing" Our Problems
The $20 Billion SNAFU
A Screaming Deal!
Action Breeds Success!
It's Going to Take Some Effort!
Getting Our Lives Back
For Better or Worse......... I Prefer Better
The Pressure to be President.......
This Great Nation......
Financial Reform - Ha...what a joke!
Municipal Bonds are a thing of the Past!
Feeling Good!
Moving Forward
The Signs Are All Around Us
It's a Grim Diagnosis
Oh, the Pressure.....
The Big Fat Greek Fallout
It's Getting Ugly......
Perfection is a Myth
Be Different
Moving on While Moving Ahead
An Immigration Abomination
I've Got a Question.......
Logic vs. The Logistics of Inflation
The Free Market - Greed at its Very Best
Informed on Inflation
Don't Fix What Isn't Broken
Harnessing Energy - The Herb Kay Way
Staying Ahead of the Curve
What Trade Deficit?
Greek to Me
There's a Bridge in Brooklyn......
Problems That Don't Exist
Don't Invest in Mediocrity
The Fed's Mutually Exclusive Roles
Deadly Serious
Election Year Scapegoats
"Willfully Insane"
Balancing your Beliefs - How Our Political Convictions Influence the Debate Over the Economy
Let's Reward the Renters
Don't Plug the Hole.......Replace the Bucket!
Europe's Safety Net
The Collapse of the System
Apple Makes a Lemon
Pot, Capitalism & The Free Market
Who is Your Banker?
Real Estate? Now is NOT the Time!
Grading on a Curve
When the Inflation Stars Align
When Foolishness Goes International....
The Recovery?
The Competitive Advantage of Reaganomics
What Wednesday Brings.....
Stopping The Addiction
Signing On The Dotted Line
Be Optimistic - Not Foolish
The Real Story
Selling Your House (and your credit) Short!
The Entitlement State
It's Anyone's Guess
Ask, And You Just Might Receive
Crazy Like A Fox!
It's Only Tuesday!
Spending Some Time - Cutting Spending
There's No Such Thing As Easy Money!
What Exactly is Responsible Borrowing?
Just Bite The Bullet
With Change Comes Turmoil
Q & A......The Herb Kay Way!
Wanna Bet? Gamble on Inflation!
A Lesson on Education
Two Different Beasts: Why Price Does Not Equal Wealth
For this Party - Three's a Crowd
Good Luck With All of That!
Dear Mr. Bank President:
It's Not That Simple
Raising the Stakes
State of The Union: The Herb Kay Way!
Capital Gains - Your Pains!
Cooking the Books
What's in a Name?
Questionable Choices: Healthcare Reform
And the Person of the Year Is......
A History Lesson
Goverment's Stimulus Fairytale
Let's Hope I'm Wrong
Fake Money = Real Problems
Collectors Lie
35 Million Americans Can't Be Wrong
Simple Truths, Simple Lies
Lending and The Federal Reserve: Why Making Banks Rich Again Will be Bad for the Economy
Are You Health Care Aware?
Have Good Credit? With New Legislation in the Works, the Question is, Who Cares?
Healthcare and the President
Tips for Choosing a Bank and the Right Bank Account
 
Apple Makes a Lemon
 

Even smart companies occasionally do stupid things.  Take Apple and the IPad.  It is, I predict, going to be one of the dumbest ideas to ever come down the path.  It wouldn't be the first time Apple has had a major product flop.  Remember "Lisa" and the Mac Air? 

Right now the financial and tech world are all abuzz about the IPad, seen by its supporters as the killer of the Amazon Kindle and similar ebooks.  And the publishing industry is pulling for it, since they don't like how hard Amazon grinds them to keep book prices cheap and Apple has always been willing to stick it to the consumer in the past.

Now I am in the somewhat unique position of being a user of both the IPhone and the Kindle.  I love the IPhone, but for the life of me I cannot see how the IPad is anything more than a big IPhone.  The keyboard is just like a big IPhone, which is okay for texting but not so good for anything else and the screen is just a big computer screen.  It shines in your face so while it is nice it will kill your eyes just like any other computer display if you look at it for long so I don't get it as an ebook.  Plus the battery life is, like an IPhone, lousy.  Just a few hours.  Take it from me, a big reader and user of the Kindle which last for days on a single charge - that is a big deal.  Plus, the Kindle uses a chemical technology on its screen which  shows up like a book and never hurts your eyes.  Granted there are no pretty color pictures, but for most of us readers that is nothing at all unless you are reading coffee table books on World War II or Flower Arranging.

So, the bottom line is I can't see who the long term market is for this thing other than nerds who like gadgets and Apple cultists.  Why would I want to schlep around a big IPad that doesn't make calls, costs a lot, has to be charged all the time like my IPhone, and hurts my eyes if I read on it too long?  Yes, I love the applications on my IPhone but making them bigger wouldn't add a thing to them.

If you are a reader, you will love a Kindle.  If you like applications, you will love an IPhone. But if you want a 2 for 1, as of now, it doesn't exist and this is a lesson that big doesn't mean smart.  I wonder if the government will bail them out on their losses on this thing?