Definition of insanity onus

In 2011, U.S. Senate Minority Leader Mitch McConnell said, inaccurately, “The definition of insanity, Albert Einstein once famously put it, is to do the same thing over and over again and expect a different result.”

There is no evidence that Einstein ever said that, and Senator McConnell offered no source for his misattribution.  He bears the burden of proof; the onus is on him.  Besides, Einstein was a physicist, not a psychiatrist.

Leaving the whole, nasty, majority/minority thing out of it, and replacing the subordinating adjective with his party name, this video of that statement is on the “official YouTube channel of Senate Republican Leader Mitch McConnell.”

When New York Magazine tried to explain the screw-up, it screwed up in the process, calling McConnell, inaccurately (in its first sentence, no less), the majority leader.

American history aside, the mere notion of the claim about insanity, is nonsense, itself.  It is akin to saying, “Happiness is… ” take your pick: A no-hitter, retail therapy, grandchildren.  But those are just people who–and things that–make you happy, not happiness itself.

It is heresy to attribute the silly pop definition of insanity to a great person like Albert Einstein.  Unfortunately, he is not around to defend himself.  He never said it, and Mitch McConnell is not Majority Leader.

Ladies and gentlemen, as you disect the news, first, do no harm.

Daily Kos

From: Greg Fisher []
Sent: Saturday, January 19, 2013 10:36 PM
To: Markos Moulitsas Zúniga, founder and publisher, Daily Kos; Markos Moulitsas Zúniga, founder and publisher, Daily Kos (2); Markos Moulitsas Zúniga, founder and publisher, Daily Kos (3)
Subject: dating

See this message and your response at

You published, “Credit scores are important to know because of the many other life events they impact — getting loans for major purchases, getting hired at certain companies, etc.”

What are the names of two companies who use credit scores in hiring?

Greg Fisher
Page A2
PO Box 342
Dayton, Ohio  45409-0342


848 credit score disclosure

Here is a message from a reporter for the Cleveland Plain Dealer who claims that the newspaper’s story about a person with an 848 credit score is accurate.  However, based on the message, the story appears to be inaccurate.

Twitter message:  848 credit score disclosure was from Bank of America

What you won't see on Twitter

The article states that a credit score disclosure–with nonsense about a person’s 848 credit score being higher than itself–was provided by a credit bureau.  But, the message above indicates that the disclosure came from a credit card issuer.


Wall Street Journal removed comments

[continued from  Last email (to Rupert Murdoch):  “… what are you doing about my comments that you removed?”]

From: Blumenthal, Karen
Sent: Monday, December 03, 2012 1:41 PM
To:; Henderson, Julie ( Newscorp )
Subject: RE: credit score, Credit utilization, Wall Street Journal, 2012-12-01


I appreciate the feedback.

I have written several times about credit scores and in some of those stories, i have gone into more detail about the “amounts owed” category. In fact, as I’m sure you know, all of the FICO categories have several factors in them.

In this case, however, the focus was on the traits of high scorers, not the broad components of the credit scores. I have only 800 words a column, sometimes less, and a lot of ground to cover, so I cannot cover every detail every time, as much as I would like to. My goal here was simply to underscore that credit use, or amounts owed, come into play in a more significant way than, say, credit history and that the 7% use number was rather surprising.

To answer your question about the use of available credit, one-third or 30% are common rules of thumb offered by those in the business as a guide for consumers who want to know where the broad cut-off lines are. Changing your credit use is one of the fastest and easiest ways to impact a credit score quickly–especially when compared with credit history or missed payments–and i think it’s important to share that with readers.

Thanks for taking the time to write.



From: Greg Fisher []
Sent: Monday, December 03, 2012 2:58 PM
To: Karen Blumenthal, columnist, Getting Going, Wall Street Journal, News Corporation
Subject: RE: credit score, Credit utilization, Wall Street Journal, 2012-12-01 II

It is a math error.

Since it is only part of the 30 percent “Amounts owed” category, then how can “Credit utilization” account for—as you claim—30 percent of the calculation?

The sum of the other items in the category does not equal zero.

Greg Fisher
The Credit Scoring Site
PO Box 342
Dayton, Ohio  45409-0342

Edit, December 14, 2012:  Fair Isaac invalidated the link from the words “Credit utilization” above by removing the page that was located at the internet address The same information about the so-called credit utilization is now at

Name one


From: Greg Fisher, Page A2
Sent: Wednesday, September 19, 2012 11:19 PM
To: Robert O. Weagley, associate professor and department chair, CFP program director, College of Human Environmental Sciences, University of Missouri; Cynthia E. Crawford, extension professional & Family Financial Education specialist, CO-CPD, Saline Co. and Central Missouri Region, Saline County MU Extension Center, University of Missouri
Cc: Gilbert Bailon, editor in chief, St. Louis Post-Dispatch; Jim Gallagher business reporter and columnist, St. Louis Post-Dispatch; Janet LaFon, specialist, Family Financial Education, Southwest Region, Jasper Co. MU Extension Center, University of Missouri
Subject: RE: FW: El Dorado Springs Sun, We Are the 98 Percent

Well, if that is the case, then who in the world told you that only “about 2% of people have a score of 800 or more”?

That’s enough to take away a man’s will to live!

Name an employer who uses credit scores—just one.

Greg Fisher
Page A2
PO Box 342
Dayton, Ohio  45409-0342

From: James Gallagher, St. Louis Post-Dispatch
Sent: Wednesday, September 19, 2012 2:26 PM
To: Greg Fisher. Page A2
Subject: RE: FW: El Dorado Springs Sun, vs. St. Louis Post-Dispatch

Dear Mr. Fisher: This seems to be an issue between you and the University of Missouri. This newspaper is not involved.

Jim Gallagher
St. Louis Post-Dispatch