Wednesday, September 24, 2014

More Lies and the Lying liars who tell them (with a tip of the hat to Senator Franken for the title)

Recently (re) posted to Facebook. It's not new but it speaks volumes about the bias and gullibility of those who repost it:  

"A B C and the Washington Post are one and the same. Now we know part of the reasons that A B C will not say anything negative about Barack Hussein Obama.
Did you know these connections?
A B C News executive producer Ian Cameron is married to Susan Rice, National Security Advisor.
C B S President David Rhodes is the brother of Ben Rhodes, Obama’s Deputy National Security Adviser for Strategic Communications.
A B C News correspondent Claire Shipman is married to former White House Press Secretary, Jay Carney.
A B C News and Univision reporter Matthew Jaffe is married to Katie Hogan, Obama’s Deputy Press Secretary.
A B C President Ben Sherwood is the brother of Obama’s Special Adviser Elizabeth Sherwood.
C N N President Virginia Moseley is married to former Hillary Clinton’s Deputy Secretary Tom Nides.
And now you know why it is no surprise the media is in Obama's pocket."

Of course this is just like the creationists who assume that these simple statements also prove that all these spouses are bound to do or say whatever they're told, even though the likes of James Carville and Mary Matalin show just how wrong that might be!

      So what are the issues here?  I'll save the substantive for last. First note the use of the president's middle name. 

      This is the "He must be a secret Muslim" card.  Apparently this comes from a person who thinks he got to choose his own name. I know that if my grandfather had had such a choice he probably would not have chosen "Orion,"  and maybe President Obama might not have chosen Hussein either. One of the first imbeciles who played this card was Sarah Palin. I certainly hope someone pointed out that Sarah is the quintessential  Hebrew name, so she  must be Jewish (to my Jewish friends, I apologize).

The last comment regarding someone being in the President's pocket - really? And all you far right blogosphere morons with all your inside dope and tech wizardry have had 6 years to find the money trail? How's that working for you? 

     Simple truth, elaborated in the following paragraphs is that any media outlet showing bias and which lives and dies economically by selling advertisement  would have to be suicidal to exhibit the least bias because doing so will lose some advertisers either way.  Faux and MSNBC are both  biased media outlets, no doubt, and CNN is all over the place, dependent upon topic. None of them however is truly a "News" outlet. They are 24 hour editorials.  I will opine that the average IQ of MSNBC's talking heads is higher, however, but that is based on a very small sample. Rachel Maddow vs Sarah Palin - steel cage match!
What follows is my response to the principle thread, that being that no one in broadcast  journalism is capable of independent thought, and that the major networks are all "the liberal media."

        Let's refute immediately by pointing out that David Muir on ABC last night teased and later did a story on the "salute" fiasco. Unlike Faux, he didn't call the president disrespectful for his half salute with cup in hand. He just reported it and showed a photo of Reagan saluting (he was the first to do so.)  This even , balanced approach is obvious proof of bias, I guess. It seems that to the far Rightists, bias means "refusal to smear by rumor and innuendo."

     "I love this because it exposes the mindset of the Faux News crowd.  This based on the assumption that impartiality and simple reporting versus blatant editorializing is impossible! Secondarily it assumes all the network spouses are the mindless meat puppet zombie slaves of their respective spouses. Well, apparently at Faux it is, so idiots of similar mindset assume it must be so everywhere. Read essentially any interview you can find from someone who left Faux News and you hear  the same song, roughly along the lines of what I just said, that they were guided and pushed into a certain place with regard to what they said and how they said it as a condition of continued employment.  I now defy you to find anything of a similar nature from anyone who left the big three network news staffs, even to go to Faux.  It ain't there because the network news departments are a relatively non moneymaking part of the entire network's  operation. In recent past years they sometimes ran at a loss. 

  A Harvard study from several years ago makes it fairly clear to a literate person with any business sense that if the network's least monetarily productive division even hints at favoritism or editorializing, they will be losing some portion of their viewers, and sponsors won't have it. Ask yourself honestly, if that is even possible, if an ultra conservative, high dollar  ad buyer like Chik Fil A or Walmart (and we know damned well where their politics lie)  would simply lie back and  spend their multimillions of advertising dollars with a network  which editorialized overtly or covertly against their interests. This was the conclusion of the Harvard study after lengthy evaluation of actual network news content. There was a time, during Vietnam when NBC anchor John Chancellor could barely contain himself, and Dan Rather at CBS had some moments. Of course neither died in the job, but were let go, Rather because he did just exactly what this charges, he editorially slighted George W Bush.

 I would never say the same about MSNBC , which I don't  watch for the same reason I don't watch Faux News . The problem is that the term Liberal media, really only applies to MSNBC,  Air America, (radio) and other local radio hosts, The same is true for Faux News, except that they are also supported by such lunatics as Glenn Beck and  Limbaugh the addict. The three major networks, constantly slammed by the Palinator and her coven mate Michele Bachmann as the "liberal Media" simply aren't. Why? The most basic of reasons - because they can't afford to be. 

     I regularly watch ABC news, anchored until very recently by Diane Sawyer (former Nixon speech writer, by the way). I am in the habit of listening assiduously for bias either way, because it is an issue I am concerned about. I can truly say I have never detected bias in reporting either way on the ABC Nightly News. I have seen several really great initiatives such as the "Made in America" segment, the sort of content totally lacking at Faux because apparently it's not negative enough. This "hate speech" isn't new, it has its origins in the  newspapers sponsored by supporters of  Adams and Jefferson during the months prior to the election of 1800. It was honed to an even sharper edge by the likes of father Coughlin (the radio priest, Huey Long, and Gerald L.K Smith i their violent anti FDR rants. Coughlin was finally forced off the radio by the church and the economics of hatred, Long was shot, and Smith was a hate filled  Fundamentalist preaching, pre-Limbaugh until he died. So "go ahead on," Faux News: Your legacy of venality, bias and negative spin probably won't be the last, more's the pity. The real pity , however is the fact that so many Americans, apparently incapable of critical thinking, mindlessly drink the Kool Aid whenever you make a batch.

More Bad Science Hurting Kids!





       Apparently not satisfied with putting other peoples kids at risk by their refusal to vaccinate their own against measles, there is a new "anti-science" wave sweeping the nation - refusal to allow newborns to have the routine Vitamin K shot. ( I will use V. K for brevity) This procedure has all but eliminated the once too common newborn bleeds which happened because newborns are by nature low in V. K, a necessary clotting agent. 
      It is believed that experientially, this period of a number of days of low Vitamin K is why the Hebrews eventually settled on waiting eight days post partum to circumcise boy babies. The same loonies who used not just bad, but almost criminally bad science, (as in the researcher whose fudged findings fueled the firestorm was "de-licensed" by the British government) now are refusing the V. K shot. There has never been one scintilla of reason for doing so, as this is considered the safest thing we can do for a newborn, and there has never been an adverse reaction to it. 
     In parts of the world where this isn't routinely done, infant deaths due to V. K deficiency bleeds are about 5 times more frequent than nations where V. K is given by injection at birth. I find it interesting that in several studies done in the US of newborns babies with delayed V. K related bleeds, all were breast fed! The rationale of those moms who decide their child will get no formula is that it's healthier, and in many areas they'd be right. Unfortunately, this "natures way" mentality also extends in a portion (not all, so spare me the e-mails) of these moms to "no vaccines, no Vitamin K." Interesting fact: No (or very few) delayed Vitamin K deficient bleeds occur in formula fed babies. It might have something to do with the fact that babies fed formula receive about 100 times as much vitamin K daily as those exclusively breastfed. Contrary to what the nature girls believe, while colostrum and mother's milk are rich in many newborn necessities, V. K ain't one of them, formula usually having about 100 times as much per unit volume.

     The sad part of this is that, just like the totally bullshit "no vaccines": scare, debunked for years, but perpetuated by imbeciles like Jenny McCarthy, bad science has caused a scare of leukemia from Vitamin K injection, based on one cherry picked study. "Cherry picked" means that the data was manipulated to "prove " something that it actually doesn't (you know, like Creationism, "no Global Warming", etc.) Real studies using far more cases show no link whatsoever between neonatal V. K and childhood leukemia, in fact the best one done actually shows a very slightly lower incidence among those receiving V.K at birth. 

     I know, Mike , why do you care about this? I guess it's because I like kids, and the loss of even one to sheer dumbass stupidity is offensive. It is even more egregious when that loss happens because some ignoramus spreads rumor and innuendo with zero regard for the harm done. Again Jenny McCarthy comes to mind. she has two sons who have Autism spectrum disorders, and she needs to blame someone, so she blames vaccines. No one can tell these "true believers" differently, regardless of how many studies show it to be a load of crap. See the study link below  for more:  



I am linking to this blogger's page, which I never do, simply because she so eloquently bashes all the mythology with the best weapon ever - the truth!    That is all for now, go on with your days!

Tuesday, September 23, 2014

Nostalgia vs Reality

      A dear  friend recently forwarded to  me yet one more spam e-mail, this time  photos of  iconic '50s figures in various settings and a sentence at the bottom bewailing the loss of such "values and morals" as shown in the photos.   While understanding the strong attachment nostalgia may give one to the past,  it was obvious that only a micro thin veneer of reason had been applied in this instance .

       One photo showed a secretary with a typewriter smoking  a cigarette!  First of all, anyone who at this point longs for the smoke filled office atmosphere of the '50s is, simply put, an idiot. In fact anyone who smokes, period, knowing all the myriad of negative health factors is also an idiot. Any woman who realizes the impact of smoking on her complexion and smokes,  is an idiot. If you don't believe me, look at a current photo of Joni Mitchell.
  
      One photo shows Sinatra  getting off a helicopter with a drink in hand.  Apparently even a short hop requires booze? Again, staying with Sinatra, the '50s concept of  woman's "place," and  required them to pretty much be relegated to subordinate rolls in society, held there not by lack of ability, but by many males' concept  of  their "place."  Sinatra used code words (broad, chick, skirt, frail etc.) to convey this. Commonly, executive secretaries ran offices while the nominal boss did the 2 martini lunch, also, by the way  almost a sacrosanct  '50s concept, especially in corporations like IBM.

        A photo of Cary Grant cites him as the icon of manly behavior, of course as we now know, he was, at best, bi-sexual and who truly knows his own mind, because in the Hollywood of the 50s,  gay men (like Grant, Randolph Scott, et al) and women stayed closeted because of the social and in many  cases physical consequences of coming out (Can you say Rock Hudson?) In an environment where women  swooned over Liberace, anything is possible, one supposes. As bad as that may have been for them, consider the youngster in school, scared to death to be who he knew he really was.

          Many of  today's '50s nostalgics are highly religious persons, and in some cases reject modern science in such areas as global warming and tissue research.  Of course some of  same people  who today criticize science when it refutes Creationists, are only alive because another scientist, Dr. Jonas Salk, conquered that '50s terror, polio. So in the eyes of those who long for yesteryear,  curing physical diseases is fine, but curing our rational thought disease isn't.

        Another '50s value,  widely held by many at decade's beginning, was that only some Americans should be allowed to vote, attend good schools, ride public transportation without supervision, live where they could afford, etc.  I get the feeling that people like the poster of this spam e-mail still think it should be so.     

       The "family values" crowd  also tends to cite divorce statistics as evidence for the decade's superiority. Of course , lost in the shuffle is the fact that many families "stayed together for the kids" even when that meant exposing them to the hostility, infidelity and poor parenting example exhibited in such households.  The idea that living with two parents who obviously hate each other is better, is laughable and tragic all at once, but they did it in the good ol' '50s.

       Another  '50s staple "value" was anything to do with rape. Of course, when reported, which it frequently wasn't, it was considered (by men) to be a sex crime, even when  rapists invariably exhibited animus toward women.  Judges had little problem with assuring women that they were "asking  for it,"  apparently not realizing that they were spouting drivel parallel to Muslim  interpretations which require women to cover because apparently they are all natural temptresses from whom men must be protected.  It would be interesting to know how many women's lives  have been negatively impacted because they either didn't report a rape, or were badly treated when they did back in the '50s

       Of course, women were considered, even when doing exactly the same job as a man, to deserve less pay for the effort. There is zero rational justification for this, but plenty of   traditionalists  who are ok with it. In fact, the '50s was a time of  subservient women with little chance of ever breaking out of the mold. A classic article in Seventeen magazine admonished  girls that when they marry ""Even in instances where you are correct and he is incorrect, it is wise to yield to his decisions"  I assume the reason is so she doesn't get beaten up?    Which brings me to yet another '50's attitude very much in the news. We heard very little about domestic violence in the '50s, almost to that point where you might actually believe there wasn't much (or any).

        In truth, the difference results from one of those  '50s values again ("We don't talk about it"). Spousal  abuse victims of the '50s rarely reported it because they were either: Unskilled and needed support (and there wasn't any) or ashamed and conditioned to being an enabler, or even worse, believing that they deserved such treatment.   In any case, abuse that was non-crippling was rarely reported, but it was (and is) certainly observed by children, whose interpersonal relationship  skills were/are formed by a corrupted model. We now know that many abusers  were children of abusers, just as we know that parents who physically beat their kids were almost always victims themselves, even when they won't or don't  understand it that way.   

       Of course the ultimate breeding ground of maltreatment and  bad behavior was, and is the frat/ and to a lesser degree, sorority house, where so many of America's top tier movers and shakers learned to abuse the helpless. Hazing is no more than bullying  with the guise of brotherhood or sisterhood covering the real sickness, the group behavior of abusing the weak.  Another '50s iconic behavior, though!

       So take your '50s values and reflect on whether the good old days were really as good as temporal displacement makes them seem. And the next time you're tempted to make such and asinine observation, think first and save me the trouble of responding.

Friday, September 19, 2014

More Things Which Make me Wonder

More things that make me wonder:  Friday, September 19, 2014

        We  read with appropriate concern and sadness that a UVA coed has gone missing some 48 hours ago and Charlottesville police and the girl's friends are very concerned regarding her safety as well they should be.  What seems to be added by the talking (heads?) almost as an afterthought is that she was, apparently, very intoxicated and that her last known communication was from her cell phone letting someone know that she was on her way to yet another party.

        In none of the several media sources I watch/read throughout the day , has more than a passing reference been made to the obvious , at least to me, fact that at 19 years of age, she should never have had access to alcohol. Period! Having played for frat parties at UVA in the remote past, I guarantee that the Charlottesville Police turn right much of a blind eye to events on UVA campus involving alcohol. This isn't simply restating  the standard  "UVA is the ACC's biggest party school"  line, it is based on my own eyewitness account. Making matters worse, is the fact that the young lady was very drunk and got that way off campus  in a public  facility, where she obviously was illegally served the substance which made her lower her judgment.   This makes the fourth UVA coed missing in the lat 5 years. If this were an isolated account, it would be  bad enough but it is, it seems, an almost daily occurrence  somewhere in America.  

     We read a little over a year ago of the Ohio  high school girl who was raped and drunk out of her mind at the time, There was attempt to "victim blame" in that instance - wrong and always invalid, but the third leg of the argument is seldom given as much emphasis - that we seem to have in many cases an unspoken agreement  that "kids will be kids" and this implies that getting drunk at as early as 13 is somehow either a rite of passage or simply unpreventable. I would  call an emphatic "bullshit!" on both arguments.

        As a public school teacher, I knew of many parents who rationalized that "Well, they'll drink anyway, so why not at home?"  This manifested itself in, one case, in a ninth grader (who may well read this!) showing up to their first high school dance  snot flinging, commode hugging, drunk! The answer, when questioned as to how was alcohol available in the first place, was that another student's  mom had allowed drinking at her house before the dance! Had I been the parent of an early teen  child given alcohol by another adult, I'm not sure what I'd have done, but you'd probably have been able to read about in  the paper!

       We know from brain research that humans don't get their 'full set" of  intellectual services (specifically including judgment and evaluation of consequences for actions) until their 20s. Although age 21 was chosen in some distant past as the age of majority, neuro-science and research from those most impartial judges,  Insurance actuaries, tells us that it was actually a remarkably accurate age setting. Some parents, either having alcohol issues themselves, or wanting their child to "like" them, don't ever send the right message regarding the hazards of teens with poor, or no,  impulse  control mixed with seven or eight wine coolers.

         I recall as a teen (eons ago) making judgments,   considering actions, and holding opinions which I know now were ill advised and dangerous.  A strong parental involvement, by example as well as verbally, kept me far "straighter and narrower" than I might have done left to my own counsel and the example of some of my peers. I hurt for the parents of the lost girl and her friends who tell anyone and everyone what a wonderful person she was. It would all be unnecessary if she had also been a prudent and law abiding one. This, as it always does, will be forgotten by most UVA students in a week or so, and remain a distant memory until another illegally (or legally, for that matter) alcohol impaired student is raped, taken, or killed driving while drunk. Pity, that!     

                                  Next

        I wonder why we recently saw the picture of the "journalist" held in Syria and felt sorry for him once we were made aware that this idiot had been captured once before by the same (essentially) bad guys and had escaped! At the point where you manage to escape those who would behead you in public just for being there And YOU GO BACK , you're simply fulfilling your death wish.  Have you noticed that no female journalists seem to be that stupid? Is there a sex linked chromosome for "dumber than dirt adrenalin seeking imbecile?" I can guarantee that even if a female journalist somehow found herself  in such a situation and escaped, the first person who even hinted that maybe she'd like to go back would be impaled on a spike heel.

                                 Last

        What's going on in the NFL these days is being seen by some pundits  to some degree in the media as an upswing  in domestic violence and that it is somehow the league's fault. Domestic violence, as child abuse, has always existed, unfortunately. What has changed is media and communications channels of information taking very public notice of both. I think it possible, actually probable, that many of the current crop of publically exposed  abusers of their significant others are doing little more than parroting the behavior seen in their own childhood homes. 

      The dean of American sportswriters, Grantland Rice, told of being on a train while covering the Yankees on a western road trip, and being in the club car when  Babe Ruth, clad only in boxers, ran through the car, chased by a woman, not his wife, clad only in her scanties, waving a knife. The consensus among the several reporters was that it was a good thing that they "hadn't really seen what they had just witnessed, or they would have had to write about it!"  Today, the cell phone video would be viral in 10 minutes.

        Blaming Roger Goodell for the NFL's domestic violence is somewhat akin to blaming Victoria's Secret for rape. In business, an employee charged but not indicted or tried would still be an employee. Several of the recently uncovered (yeah, I think they're like cockroaches) abusers have  been given zero due process, because of the public uproar surrounding the Ray Rice case. Is Rice a shithead? Of course, and a violent one as well. It is specious, however, in true NFL fan fashion, to blame Goodell for not already having a policy in place for "what do we do if some animal is so uncontrolled that he KO's his fiancée in public?"  Ten years ago, only Rice, his fiancée and maybe a bellhop would ever know truly what happened.  

       I guess what I find a bit strange  is that an organization which glorifies violence every day and encourages players to be "tough,"  "hit hard", and (clandestinely) do whatever it takes to maintain an unnaturally large and hard physique have suddenly developed such a conscience.  I doubt very seriously that the incidence of domestic violence is really any greater, in fact may be less, since finance drives so much marital discord, than the general public. 


       The issues surrounding the Adrian Peterson child abuse accusations come from another place, however.  Many players have acknowledged what  we already knew to be true, that they were harshly physically disciplined as children. Here's a revelation, many lower income parents and a  surprising number of affluent ones, have marginal (or, in fact, zero)  parenting skills!!!  Of course in Peterson's case, he has so many children from so many different women that he may have acted out of ignorance. Why would we suspect that Peterson, who recently had a child die that he didn't even know existed until weeks before , would have a strong sense of  mature reasoned approach to parenthood? Why should we expect men, some of who have only one skill set, hurting people, and have lived with a heightened, although unmerited,  sense of entitlement due to this ability, to be rational, literate and concerned parents?  Isn't that why they finally married the woman they occasionally beat after a bad game - to raise their kids?    

Wednesday, September 17, 2014

The next precipice?

The current debate over student loan debt is multi-faceted and disturbing (to me, at least) on several levels. In no particular order:
Interest rates: Quicken Loans, an online funder is granting rates as low as 3.19%  apr and most mainstream lenders are, and have been for some time, granting 30 year fixed rates of the low to mid 4% range.  Contrast this with rates as high as 7.2%  (parents and grad students), 6.21%  (professional and Grad loans) and the 4.66% rate for more mundane undergraduate loans.
        Compound this with lenders selling bundled loans as if they were real money, and we have a potential mini version of the housing bubble /subprime mortgage  collapse  of  late 2006 which triggered the recession we're still trying to get out of 8 years later. The $1.2 trillion student debt monster isn't going away, yet today Republicans in Congress blocked an attempt to allow some  (the Forgiveness Program was designed to offer borrowers who have financial difficulties a reasonable loan repayment alternative) relief and restructure to avert mass defaults. But there are certain requirements which borrowers must before they may qualify for the plan) to reduce and refinance (not forgive or delete) At 31% + of total US Govt. assets, total student loan debt (just to the federal government, forget private loans!) now exceeds credit card and auto loan debt! Important safety tip, Egon, if students can't repay loans,  they aren't assets anymore.


College costs: Not all bachelor's degrees are created equal, and some colleges have become incredibly adept at victimizing ingenuous students in the name of being affiliated with a "prestige" school. As it happens this is not the case with some of the better schools in America. Princeton, for example, grads have one of the lowest student debt loads in the nation. While seven of ten students nationwide have debt, averaging $29,400 each,  fewer than 25% of Princeton  undergrads had student debt, and the average amount was $5,096. Compare this to Felician College (who? what? where?) also in New Jersey whose grads shared an average  per student debt of in excess of $38,000! Ask yourself which degree will take you further. Many boutique colleges in America offer mostly BAs, causing advanced degree seekers to resort to other schools , entering as outside grad students. These schools are some of the least heard of and most expensive schools in the nation, offering relatively little value for dollar spent than a really cool environment and memories of sitting on the quad making s'mores and singing along with Cat Stevens' greatest hits, while completing a BA in Psychology or Social Work. Wheelock College, in Boston is a prime example of such a school.   

        Other factors include such misleading information as that offered by the ubiquitous University of Phoenix. While they style themselves as affordable, one year's tuition is exceeded only by Boston University's online program credit hour cost. Phoenix charges about three times as much per credit hour as does U of Florida (and most state and public  universities) for in state students!  This fact notwithstanding, financial aid officers at schools like Phoenix and Devry  have gotten very good at convincing  potential students to take on debt which, on graduation will be financially crippling.
    



    Need for College: Most experts agree that college has been oversold in the last thirty years, as rapidly emerging and changing technologies make two year tech schools far more suited to many careers. The "You must have a college degree to succeed" is baseless. Ask the guy who installs your new Air conditioner  or manages the network  for any of thousands of large information driven business. Hell, ask Bill Gates.
Ignorance of Alternatives:    Many State formerly Junior Colleges are now four year schools heavy in tech (and relevant) programs. At $103 per credit hour, for example, Valencia College in Orlando, awards several different Bachelor of Science  degrees in tech areas. So - spend $12,630 for a relevant degree at Valencia, or go to Wheelock, and spend $118,800 for a (as most experts would agree)  useless by itself, BA in Psychology.  That Wheelock figure, by the way is tuition only, S'mores not included. Of course one could actually live at home while attending Valencia. Completing  the Valencia Honors College program also guarantees state University acceptance  if desired for pursuance of another degree field.  

Unfamiliarity with Finance and the dangers of Credit: As it currently stands, many student debts will never be repaid, so a program offering recovery of any of this potential loss seems a no brainer. Go figure. This inability of debt ridden students to repay regularly and within the time frame of the loan,  bleeds over into home mortgage refusal, credit card refusal and in many cases inability to buy a new car. It threatens the entire economy. Paying less per payment  over longer is far better than bankruptcy and default. Many students manage to graduate High School, at least in Florida, with only a token 1/2  semester course in economics, with relatively little focus on the most "micro" of economic studies - that of personal finance and debt management. The cavalier nature of the average 18 year old regarding debt and its accumulation is staggering, and is worsened steadily by the almost undetected wild card - That  middle income  families have seen their average yearly income, adjusted for inflation, steadily decrease  over the last 7 years, while tuition costs go steadily up as state legislatures underfund education from K-12 to Grad School. Most High School seniors have never actually calculated home buying factors, shopped for insurance or researched buying a car. They have only the knowledge they accumulate from whatever they overhear at home regarding finances, which in far too many instances is precious little.



   
But, never you mind, Far Right obstructionists, wait until the mass default occurs and stand back, point fingers at someone else  shout in your best Tea Party scream -"We told you so." That, of course will be a lie, but we've come to expect nothing less from you lot. 

Learn before you Type

Among the lies and exaggerations of the Far Right (FR) circulating these days is the chain e-mail (always a reliable source right?) that reads in some version of the following:

"*sigh* I don’t like talking about politics, ( which means they certainly are, and since raising minimum wage is generally a Democrat initiative, well, you know!) I really don’t, especially not on here. But earlier my twitter feed showed me an image that stated outright that the minimum wage paid more than our military. Others stated that while this was not the case, it would be for a $15 minimum wage. And the idea that either would be true ticked me off to a fair degree.
So if you’re here to read the fantasy stories, I promise, this won’t become a habit. After finals this week, I promise to go back to producing regular content for my followers. You can go ahead and leave now, if you prefer.
Let’s break it down, shall we? Assuming 2000 hours (40 hours per week, plus two weeks with no pay or work) a wage of 7.25 an hour adds up to 14,500 gross income. According to goarmy.com, a private (as stated on the page, a new soldier generally enters as a private) with less than 2 years of experience earns $18,194 (though the website stipulates that the first few months of service pay will be lower, so make of that what you will). A minimum wage of 9.097 would get you that same pay. So while no, the military does not earn less than the minimum wage right now, they’re less than 2 dollars an hour from it. "


As a 26 year military veteran, and not a female blogger with absolutely no grasp of the reality of the whole thing, I once again must set out armed only with facts and normal intelligence in a quest for truth.

First of all: The initial pay quoted is for an E-1 only. In the modern military, essentially every soldier, airman or sailor completing  Basic  Training  successfully is promoted to  E-2, so that is the dollar starting point. The real figure for basic pay alone is $1734/month. This correlates to $10.83 hourly. But wait, there's more. A minimum wage earner in civilian life must then pay for rent, food, health care (good luck with that) dental and vision care, and clothing. Possible add ins include heat and other utilities. A single military E-2 pays none of those things if he lives, as most do, on base. Contrary to the misguided ramblings of  the above blog/e-mail, the average single junior service member, if he or she chooses to, living on base, has more disposable income than any two minimum wage civilian household and it ain't really close.

Of course I have an advantage over the ignorant bloggers and e-mailers, in that I actually served in Navy training commands for 11 of my 26 active duty years, so I actually know whereof  I speak. I recall having E-3 students with less than 2 years of service who drive far nicer vehicles that I could afford!

But Mike, you say, what about the young marrieds who enter the service? Surely they must suffer financially!  As it turns out, further examination of facts (vice BS) shows the following: Most young married couples don't  (in fact, aren't allowed to) live together during basic training, since Boots aren't even granted off base privileges for a period of weeks during basic. Let's assume, for the worst case scenario, that a man (or woman) completes Basic as an E-2 , and sets up housekeeping with a spouse  in the local economy while attending whatever advanced training they receive  prior to deployment. Understand, that this is a relatively small minority of service members and  that they choose this, it isn't thrust upon them. Again, I say this from the vantage point of having trained, counseled and loved  thousands of such dedicated kids.

Basic pay for this guy is   the aforementioned $1734/month, but,  as they say in those infomercials, "Wait, There's more!" Military compensation includes base pay and allowances.   In addition to basic pay, the new E-2 living in the local economy, gets $357/month as a food allowance (for not eating in base messes) this BAS, or basic allowance for subsistence, has been increased annually for years.

Additionally, the married serviceman (E-2) with a spouse, in Orlando, Fl., just as an example , receives an additional; $1332/month in housing allowance! If he or she were assigned to say, the Brooklyn  Navy Yard, that figure would be $3360/month!

Because other than these basic allowances, there are other allowances (Sub pay, War Zone pay, Sea pay) which many never get, let's reanalyze this E-2's annual compensation using pay and allowances, as the serviceman really sees them. Of course this doesn't include the one timer initial clothing allowance of $1567 (men, more for women).

Basic pay: $1734, Housing allowance (Orlando): $1332,  BAS (food): $357 - for a total of  $3427 monthly. This works out to just about  $21 hourly. Remember, this family has no medical bills, no health care insurance, and if they choose and can get into base housing and forfeit Housing allowance, no rent. This no rent scenario, reduces income to about $13.60 hourly with zero rent, utilities or health care costs.

At current minimum wage in Florida the equivalent McDonald's employee make$7.93 hourly. With a national poverty threshold of  $15,510 for a family of two, the Florida worker just comes in below the poverty line working full time. Of course, the FR lie (see Michele Bachmann for numerous idiotic quotes on this subject) is that the vast majority of minimum wage earners are kids, a statement  proven false numerous times. Note that the minimum wage at present is about half that of the E-2 living in base housing. Of course the sailor /soldier /airman has no rent, no utility bills, no health insurance costs.  As an aside, the military person, should they complete 20 years of service will also have (under current law) medical insurance for self and spouse , and non-contributory retirement pay equal to a minimum of half of their basic pay. How does this compare to MacDonald's IRA plans for their minimum wage earners?

So, back to the original assertion, that military makes less than minimum wage.  For essentially all  of married members, that is blatantly false. For single members, it is totally erroneous, as well. In fact single, senior barracks living enlisteds are flush with cash

I guess what I'm trying to say is that before you begin shooting off your keyboard on subjects in areas in which you are vastly under informed, you should try learning first, typing later.  

Monday, September 15, 2014

Follow on to previous post

A dear friend sent the previous post re: Scottish independence to Scottish friends who liked the history part but who, as a couple, are split on the issue. The hubby asked how I would have felt if 1776  had never happened, and America was still ruled from England. A fair question. 

     While there are huge differences, I get his point, but he lives in a nation, not a colony, and whether or not he sees it this way, Scots  are a full fledged citizens of the UK, having a right to vote. Had England extended the franchise to it colonies, things might well be different. A better analogy would have been to compare the US' Southern states to the Northern states in 1860, but being a Scot, those events are probably not as well understood there as here. The huge difference is that while a terrible civil war was required to keep our union together, the Scots may accomplish separation it in a way that is far to easy to effect, and far to harmful to their interests to accept in time. Thomas Wolfe eloquently wrote: "You can't go home again."  What follows is the post from my Facebook page:   


     I would answer that then, as now, a Government which was run by rational intelligent men could have avoided both the loss of the colonies and, in the present, the loss of Scotland. One significant difference is the presence of many more non-English in America by 1776. The other significant factor is that because of such issues as raw materials and trade constraints between France and England which affected the largely un-involved and even less interested colonists adversely, there were actual advantages to separation from England which are not evident in the present situation.

     If you remember, at the close of the fourth French/English war, (the one fought primarily in North America, known here as the French and Indian War, known in Europe as either the Seven Year's war or in England (sometimes) as King George's War) good feelings between Britain and her American colonies were at an all time high. Then, in a reversal of a promise made by PM Pitt that England would finance it if Americans fought, taxes and tariffs were raised as a series of incompetent Ministers of Finance (among others) reneged on that promise. In a span of just 13 years, things soured to the point of revolution. 

     There are several other factors differing then from now. First, America was rich in natural resources beyond all European comprehension and could easily become self sufficient in all necessities, which is certainly not the situation in either England or Scotland today. Second, America had markets with other nations that assured their success (if GB let them alone) As it turned out, we got caught up in the friction between England and France caused by Napoleon. The resultant War of 1812 saw us at odds again, resulting in the White House being burned by British troops. Britain, tired of war by 1815, quit, we didn't defeat them. 

     The relationship of Scotland to England is far different, and each entity is much smaller and isolated from all but each other. Again, I am not a Scot (but I have spent time there periodically from 1967 to 1985 and again this past May) It seems a shame that two peoples with so much commonality will risk their economy and general happiness for the sake of issues that could be met in the middle by men of good will. In close, I have seen several comments by separatists citing a desire to model on the Scandinavian example. That ship has long sailed, due to the nature of present day Scotland compared to, say, The Finns, who have a far more homogeneous society. A closer look at Norway and Sweden shows huge numbers of state dependents, with drug use a common problem as well as astronomical taxes to support the system. Scotland would be wise to avoid even considering going that route. 























Sunday, September 14, 2014

Be Careful What You Wish For!

                                      Be careful what you wish for.....
  
      As we are very near to Scotland's referendum regarding separation from Great Britain  it is very tempting to become infused with a sort of  spirit of adventure and of the unknown that tends to evolve from such momentous events. It is my opinion that the more generally uninformed one is, the more the "romance" of such efforts seems to enthuse and inspire.  The problem with such persons is that , unfortunately, their votes count as much as those of  the informed literate and politically aware.

        As an American observer, detached from all the hoo-hah and especially from the jingoistic Scottish nationalism of Alexander  Salmond, Scottish First Minister and  prime proponent of  separation from the United Kingdom it is, no doubt  somewhat easier to be objective. Since I am also a historian, bear with me for a brief review of how we (they) got here. It is generally accepted that the Britons and Scots , while having mixed their DNA freely over the centuries, come from somewhat different stock as settlers of the island (we'll call it Britain, for simplicity) which they co-inhabit. The Scots, as well as the Irish, another group who have already (for the most part) become independent  of England, are largely  of early Norse, (before the word Viking, used to describe their raids on the island(s) came into use) stock. In fact many Scots immigrated from Ireland, Dublin being originally a Viking town, and interwove their gene pool with the remnants of the Picts whose civilization inhabited  Neolithic and Bronze Age northern Britain, essentially most of what we now call Scotland.  It was these Picts and their descendants that caused the Roman emperor Hadrian to have the famous wall built to keep the "savages" above more civilized Roman Brittania. By the 5th century, the Roman occupation of Britain ended, and the Picts had generally consolidated rule over most of what we now consider as Scotland. It is worthy of mention that at the same time, the settlers of southern England were of Celtic and Saxon descent, differing in language and, because of long contact with Rome, religion. 

        A second wave of Norse derived settlement occurred in the  sixth and/or seventh century from Irish immigrants and in the seventh century by the Irish Christian missionary, St, Columba.   According to 9th- and 10th-century literature, the Gaelic kingdom of Dál Riata was founded on the west coast of Scotland in the 6th century. Irish missionary Columba founded a monastery on Iona and introduced the previously pagan Scotti to Celtic Christianity, and with less success the Picts of Pictland.   The King of the Picts later expelled  the Columban (Gaelic) church in favor of the Roman,  to hinder  the influence of the Scoti on his kingdom and to avoid a war with Northumbria, A Brittanic kingdom to the south.  In the same period Angles had conquered the previously Brythonic (Brittanic)  territory south of the Clyde and Forth, initially creating the Anglo Saxon kingdom of Bernicia, later becoming a part   of Northumbria.  Towards the end of the 8th century all three kingdoms were raided, settled and to some extent came under Viking control. Successive defeats by the Norse forced the Picts and Scoti to mute their historic hostility to each other and unite in the 9th century, to form the Kingdom of Scotland.

        The Kingdom of Scotland was united under the descendants of Kenneth MacAlpin,  first king of a united Scotland. His descendants, ( House of Alpin) , fought among each other during frequent disputed successions over several hundred years,  with the last Alpin king, Malcolm II, dying without issue in the early 11th century and the kingdom passing through his daughter's son, Duncan I, who started a new line of kings known to House of  Dunkeld . The last Dunkeld king, Alexander III, died in 1286 leaving only a single infant granddaughter known to history as the Maid of Norway, as heir. Four years later, Margaret, Maid of Norway herself died in a  shipwreck en route to Scotland.  At this point reflect that the throne and therefore the destiny of  Scotland England had been controlled by Scots liberally intermarrying with other Nordic peoples. The death of the maid of Norway and the muddled question of  Scottish succession drew the close personal attention of English King,  Edward I,(Longshanks),  who took  advantage of the questioned succession  to launch a series of conquests into Scotland.  (See Braveheart!) The resulting Wars of Scottish Independence were fought in the late 13th and early 14th centuries as Scotland passed back and forth between the House of Balliol and the House of Bruce.

        Scotland's ultimate victory in the Wars of Independence under David II confirmed Scotland as a fully independent and sovereign kingdom. When David II died without issue, his nephew Robert II established the House of Stewart (the spelling was  changed to Stuart in the 16th century), which would rule Scotland uncontested for the next three centuries. In 1603, Elizabeth I (Tudor) died without heir. The Tudor line survived in Scotland, as James VI, Stuart king of Scotland, was the grandson of Margaret Tudor, wife of James IV (Stuart). James VI,  therefore,  inherited the throne of England in 1603, and the Stuart kings and queens ruled both independent kingdoms until the Act of Union in 1707 merged the two kingdoms into a new state, the Kingdom of Great Britain. Queen Anne was the last Stuart monarch, ruling until 1714. Since 1714, the succession of the British monarchs of the houses of Hanover and Saxe-Coburg and Gotha (Windsor) has been due to their descent from James VI and I of the House of Stuart. This literally means, if you believe all that "king and queen" stuff, that in fact, Scotland is the hereditary ruler of England!

        There are numerous issues cited by the Scots in defense of independence, and some which have not been so publically debated, but are also historically relevant, religion being one of those. Until the mid 1500s, the Scots monarchy had been relatively sympathetic toward the Roman Catholic Church, but with the Protestant reformation, began to be riven by disputes between  Catholics and the new strenuous Protestantism of John Knox and others. While Henry VIII  had  split from the Roman church in 1532, there was significant difference between the Church of England, with Bishops and the King as titular head and the more independent minded Kirk (Church of Scotland), Protestant, Calvinist and not particularly fond of the Church of England (Anglican for brevity).- and especially of the political power granted Anglican bishops As an example, the Kirk recognizes only two sacraments, baptism and Holy communion, and certainly did not recognize the divine right of English monarchs! Catholic sentiment did remain strong among highland and island Scots, but most land owners, powerful lairds were Presbyterian.

        On his ascendancy, James VI took his position as head of the Anglican Church very seriously, and attempted to Anglicize the rites and rituals of the Kirk, with little success. His son Charles I went further, attempting to force the Anglican  Book of Common Prayer onto Scots, with results eventually leading in the mid 1600s to the English Civil War, as English Puritans, modeling their worship in some ways on that of the Scots, beheaded Charles. The Stuart restoration, in 1660, left Scotland once again independent, but with a very different Stuart on the English throne. Charles II, "the merry monarch" very mindful of his father's  beheading  refused to make waves. His younger brother James, however, just prior to ascending to the throne on Charles II's death, converted to Catholicism to the great dismay of  Parliament and the Anglican Bishops. Since James II was not a young man and had no son who would be a Catholic heir, it was a sort of tacit agreement that he'd be allowed to serve out his life, and a proper Protestant, his daughter Mary, it was assumed, would become sovereign. James II 
established Catholic toleration, elevated Catholics to important state positions and generally outraged numerous of his subjects. The final insult, however was his marriage to a young Catholic, Mary of Modena, and the prompt siring  of  a son, James Francis Edward Stuart to be raised  Catholic. James II was invited to leave and take his Catholic wife and son with him, and Mary, with her husband William of Orange, Dutch Stadholder  became king and queen, beginning the current unbroken string of Protestant, Anglican monarchs.

        In Scotland, The Estates issued a Claim of Right that suggested that James had forfeited the crown by his actions (in contrast to England, which relied on the legal fiction of an abdication) and offered it to William and Mary, which William accepted, along with limitations on royal power.  The final settlement restored Presbyterianism and abolished the bishops, who had generally supported James. However, William, who was more tolerant than the Kirk tended to be, passed acts restoring the Episcopalian clergy excluded after the Revolution.

        Although William's supporters dominated the government, there remained a significant following for James II, now in exile in France, particularly in the Highlands. He was referred to by the English and some lowland Scots, as "the Old Pretender" (to the throne), while  Highland and island Scots (in the Hebrides, Shetlands, etc) frequently referred to James II as "the King Over the Water" as he remained in exile in France and sometimes Italy.  His cause, which became known as Jacobinism, from the Latin (Jacobs) for James, led to a series of risings. An initial Jacobite military attempt was led by John Graham, Viscount Dundee. His forces, almost all Highlanders, defeated William's forces  in 1689, but they took heavy losses and Dundee was slain in the fighting. Without his leadership the Jacobite army was soon defeated at the Battle of Dunked. In the aftermath of the Jacobi defeat on 13 February 1692 in an incident known as the Massacre of Glencoe, 38 members of the Clan MacDonald of Glencoe were killed by members of the Earl of Argyll's Regiment of Foot, on the grounds that they had not been prompt in pledging allegiance to the new monarchs. The  Glencoe massacre hardened highland Scots, many of whom were Catholic sympathizers or worshippers, against the English Crown and even their own lowland compatriots, many of whom were of English descent, and far wealthier that the highlanders.   

        By the start of the 18th century, a political union between Scotland and England became increasingly politically and economically attractive to the Scots , promising to open up the much larger markets of England and it's Empire. The Scottish parliament voted in 1707 to adopt the Treaty of Union. It was  a full economic union, since most of its 25 articles dealt with economic relationships and arrangements for the new state of  "Great Britain". It added 45 Scots to the 513 members of the House of Commons and 16 Scots to the 190 members of the House of Lords, and ended the Scottish parliament (since restored in 1999).  It also replaced the Scottish systems of currency, taxation and laws regulating trade with laws made in London. Scottish law remained separate from English law, and the religious system was not changed. England had about five times the population of Scotland at the time, and about 36 times as much wealth.

        Skipping much that is only peripherally relevant, the present situation is that while Scotland has long been a labor Party (or its prior equivalents) stronghold, Conservative controlled British  Parliaments have in some ways continued to alienate many Scots. The reestablishment of  the  Scottish Parliament, while granting local control in local matters, has fallen short of allowing Scottish self determination, so here we are.

                     So what are the pros and cons of Scottish independents and what are the issues?
  
      Mr. Salmond tends to focus on the whole and has offered very little specificity in answering some of the thornier questions. In no particular order here are some of those.

The money issue: There is no certainty as to what monetary system might be enacted if the British refuse to allow Scots to use the Pound Sterling.  A corollary to this is the financial market uncertainty which would almost assuredly immediately ensue.

Loss of international influence: A divided U.K. would be a weaker member of NATO and would cause a "huge blow to Britain's political weight," according to  a senior fellow with the Europe program at the Center for Strategic and International Studies. Even more severe,  Scotland would have almost no international standing to start with. The new nation would likely have to reapply to enter the European Union. This seems a no brainer, until one considers that other  European governments (Spain for one) are dealing with separatist movements of their own and would rather not legitimize the Scottish government. Allowing Scotland to separate and then join the EU would place these other nations on a very slippery slope. The Spanish government is  wary and possibly "terrified" of the Scottish National Party. It is dealing with a strong separatist movement in Catalonia, and is afraid that a win for Scottish independence would make it harder to ignore Catalonian calls for a similar referendum. Belgium also has independence-minded Walloon politicians that may be emboldened by a win for Scottish nationalists. . One can almost envision  Basque and/or Catalonian separatists preparing the ballots!

Loss of Business and industry: One of the UK's most venerable and largest insurers, Standard Life has already weighed in on the issue -  The pensions and savings firm, which has had its headquarters in Scotland for 189 years, is drawing up contingency plans to potentially relocate funds, people and operations to England if Scots vote to leave the UK in September. This probably the tip of the iceberg if there is any currency uncertainty, which there almost assuredly would be.

Long term debt: Scots would be liable for their "share" of the UK's huge national debt.  Assertions by Mr Salmond that Scotland's  "share" of North Sea and Shetland oil reserves will make up much  the shortfall, look past the fact that the recovery cost for much of that oil is so high that tax breaks and incentives to producers will reduce profitability to the extent that national income will see relatively little improvement. This is problematic , since Scotland already uses rather more, per capita of UK social  services than the "lower " UK. Although Salmond pooh-poohs  these concerns, many feel there will be significant austerity  required which many of these same voters will feel.  

So what went wrong?  Start with a nation many of whose population have never forgiven the one time banning of the clans. Admittedly, these are highlanders, but it makes a good rallying cry. More importantly, consider a British parliamentary system which almost makes the US Congress seem efficient. Far from  a meritocracy, The House of lords still seats 96 "hereditary peers" who get to make national policy by virtue solely of their birth and the title accompanying it. even worse, the Lords still number among their number 26 Anglican Bishops who are members simply because of their office. Collectively, that means 122 members of the upper chamber are essentially answerable to no one! As these peers and Bishops tend to be conservative, it creates a cadre of Lords and Bishops essentially antithetical to the Scottish Labour/Liberal tradition. 

       Much of Westminster's  legislation is viewed by Scots as being passed by Englanders to solve English problems with everyone's money. What night have forestalled this crisis is meaningful reform of the system. While there have been numerous proposals from 1969 to the present to reform the House of Lords; as recently as 2012, such a measure was dropped, the committee reporting that those surveyed (who were 'they"?) believed there were more important national issues. Well, it's two years later and there may be no more important  issue in the foreseeable future than the upcoming vote. It seems to me that just as England lost her American colonies by mismanagement by incompetent government, history may well repeat itself. Hopefully if it happens, both parties will survive, but overshadowing events is  the nagging feeling that it should never have come to this. I fear if disunion takes place, both Britain and Scotland will be the worse for it.


Saturday, September 13, 2014

More things that make me wonder

 Saturday, September 13, 2014

       Why does every pickup truck commercial feature a voiceover actor who sounds like the love child of Randy (Macho Man) Savage and Sam Eliot?  Does a truck run better  because a deep gravelly voiced manly man does the shilling? Is it also essential to play some totally irrelevant music like the current Chevy Trucks'  "born  free" behind the ad?  Certainly with the price of a good pickup, "born free" is a huge misnomer!  Of course, it's all part of the rugged individualistic All American image. "Like a Rock",  "Built Fort Tough",  "Ram Tough"...Puhleeeze, give me a break. Tell me why it's good and price it fairly. If I really need a truck, I'll  come to you, and it really doesn't matter if Jesus does your commercials as long as it hauls stuff and runs well.

        And while I'm on the subject there are two commercials currently running that make me wonder what the ad agency was thinking. The first features Mia Hamm,   world class Olympic soccer star, and shows clips of her on the field with a generic voice over behind her extolling her virtues as an athlete. If you stopped  the clip at this point while Mia is still on screen and tried to guess whose commercial it is, you'd never do it. As it happens, it's a Mazda commercial, and the lead- in featuring Ms.  Hamm is so disconnected as to be irrelevant.

         The second is a shot of a thirty something pretty girl near the Golden Gate Bridge, and features her saying something like "I always wanted to come here...."  There is no "but" or reason offered as to why she hadn't done so before the present, and then it cuts to the anti-asthmatic medication commercial. At no point is there any connection even implied between her alleged condition and why it precluded her coming there, or for that matter that it limited her mobility in any respect.  Apparently it's illegal to visit San Francisco if you suffer a respiratory condition.

       Finally: In the current Florida gubernatorial race, current governor Rick(Skeletor) Scott is running a campaign ad blaming former governor Charlie Crist for "losing  over 800,000 jobs" between taking office in between 2007 and leaving  office in 2011. Per Scott, this is apparently all due to something (Scott never names or describes it) that Crist did to torpedo the state's economy. Of course, any sentient human knows that Crist took office just as the nation's economy nosedived and the unemployment result in Florida was mirrored nationwide.  

      Every governor in every state in the union was witness to the same things that happened in Florida, happening in their own state. Of course, one of the first casualties of a nationwide recession is a sharp decline in tourism, which (surprise!) is a double whammy for Florida, a tourist Mecca. If this ad truly reflects Scott's reasoning power, he's too stupid to breathe without instructions.   

        As an adjunct to "blame Charlie", Scott has consistently crowed that he has, in recent years, cut taxes, saying "it's your money" in campaign ads featuring Scott in some sort of warehouse with a crowd of apparent working class persons holding signs lauding him. . The truth (remember that?) is that the vast bulk of  The tax reductions under Scott were either already in place from prior administrations (sales tax holidays, done since 1998) or were tax breaks for businesses which actually put no money back in the working man's pocket, as Scott specifically alleges. Add to this the sharp increases in State university tuitions and 50% reduction in one of Florida's brightest and  best ideas - the Bright Futures Scholarship program, and in actuality, working class families have been hit hard indeed by Governor Scott.  One of the few actual legislative acts Scott has signed is the rollback of planned increases in vehicle registration.  To get a sense of how this largess will actually benefit Floridians, know this: it won't even go into effect until 2015, so no one has seen a dime of it yet. Secondarily, for comparison, the cuts to Bright Futures will cost some Florida families thousands and will, in some cases, place college out of reach for students who would formerly have been able to go tuition free.

        Finally, Scott crows about "creating" almost 700,000 jobs."  closer analysis shows that 96% of those jobs are rehires in industries directly or indirectly related to tourism. They are the result of the nationwide recovery from recession and have nothing to do with  Scott's gubernatorial skills. Of the 4% of actual new jobs, one must ask "At what cost?"  The answer is a complex group of tax cuts or more correctly, tax exclusions to businesses  which may or may not have moved to Florida anyway. They certainly put zero dollars into the pockets of the taxpaying base as a whole. 


        Rick Scott apparently believes that we Floridians are apparently a bit slow, and he's right to an extent. If you like Rick Scott because you believe a single word of his "I cut taxes and put money in your pocket" scam, you should keep your seat on the short bus.  In a state where sales tax , tourist taxes and property taxes constitute the vast bulk of state revenue , just ask yourself these questions: "Has sales tax decreased?" "Has my property tax decreased?" "Have any of my licensing or user fees decreased?" I didn't think so.    

Wednesday, September 10, 2014

What is lost in Medicare rhetoric

            
        Just about any time anything related to Medicare is mentioned, alluded to, or considered  for change, we hear the same old tired Greek chorus chant  "We paid into it, it should be there for us!" For many, apparently, this seems to imply that  they believe they actually have a "Medicare account"  consisting of   their own personal contributions which they believe should be held sacrosanct for them.  Reality is much different, however.  As it turns out, Medicare is probably one of the best financial deals available to the vast majority of Americans. Of course, you'd never know it if you listen to some of the political rhetoric of the Far Right (or even centrist right in election years!)

        The National Republican Senatorial Committee recently aired an ad in what has become a close  Iowa Senate race between Democratic Rep. Bruce Braley and Republican state Sen. Joni Ernst. It features a woman named Darlene Blake of Des Moines, Iowa, talking about the importance of Medicare. Ms. Blake states: "Bruce Braley voted to cut $700 billion from Medicare to support Obamacare," Blake says. "That’s just not fair. We paid in. We paid for it. That should be there for us."

        Ignoring the fact that her statements, obviously crafted by those  who hired her to do the spot, are misleading at best and a lie at worst, let's just examine the statement relating to her having  "paid in. We paid for it."  The ad correctly states  that Americans 65 and over have "paid in" to Medicare through the payroll taxes they’ve paid throughout their working lives. Currently, workers pay a 1.45 percent payroll tax for Medicare, while employers kick in an additional 1.45 percent. Self-employed people pay both parts of the tax.

        What is misleading, however, is that  it’s not as if those payroll taxes are placed in an account for that beneficiary’s future use alone. Instead, the proceeds of payroll taxes paid by workers of all ages (combined with the proceeds of current beneficiaries’ Medicare premiums) foot the bill for the Medicare costs of today’s beneficiaries.  The way the math has worked out over the years, today’s beneficiaries have gotten far moreback in Medicare spending than they put into the system through their tax payments.  Researchers from the Urban Institute, a nonpartisan research institute in Washington  figured out what people turning 65 in various years have already "paid in" to the system and what they can expect to "take out" after they reach age 65. Because marital status and family income can significantly affect both the amount paid in and the amount paid out, there are  calculations for various types of family units.

       For those who espouse "privatization" ( whatever that might mean to the individual) in an effort to  make the final amounts comparable to what might have been done with the tax money had it been invested privately, the institute adjusted all dollar figures at 2 percentage points above the rate of inflation, a conservative approach, since in current economic situations results could be greater or less that that projected .

        The study looked  at the statistics for three "cohorts" of seniors -- those who turned 65 in 2000, 2005 and 2010. That means they’re 79, 74 and 69 years old today. It showed that, for Medicare recipients, the "worst" deal for any of these demographic groups is still quite generous. A two-earner couple, with one high earner and one average earner, who both turned 65 in 2010 would have paid $158,000 in Medicare taxes over their lifetimes, but can be expected to be the recipient of $385,000 in Medicare spending. That’s a ratio of $2.40 in benefits for every dollar paid in taxes -- and that’s the least generous ratio found by the study .
The highest such ratio was for one-earner couples in which the earner turned 65 in 2000 and was paid the average wage. Such a couple would have paid $39,000 in Medicare taxes but can expect to benefit from $306,000 -- a ratio of $7.80 in Medicare spending for every dollar the couple paid in taxes.

        Obviously  the ad’s claim -- that cutting Medicare is "just not fair. We paid in. We paid for it" -- is greatly exaggerated. For today’s typical Medicare beneficiary, what they paid into the system represents just 13 percent to 41 percent of what they can expect to get out of it. The rest is funded by younger Americans’ payroll taxes.

        Another far more serious and non political issue that should be addressed is the fact that taxes paid by active workers are supporting today’s generation of retirees. This is a big  reason why some policymakers are concerned about the program’s long-term solvency. In 1950, the average American lived for 68 years and retirees were supported by 16 active workers. Now, the average life expectancy is 78 and just three workers support every retiree. By the time today’s middle-aged workers reach retirement age, only two workers will be around to support their benefits. Promised benefits will exceed revenues by about 30 percent, and there will be no money in the trust fund to rely on. So it's waaay past time to be realistic about both Social Security and Medicare eligibility ages. Medicare and SS could be instantaneously fixed by adjusting eligibility ages upward to reflect the vastly increased life expectancy of Americans today vice in 1936 when Social Security was enacted


          While many Americans relate (largely anecdotal) horror stories about national health care systems like Canada's or Great Britain's, the fact remains that both those country's populations consistently report far higher levels of satisfaction with their health care than US citizens  - and it isn't really close!  


        The graph below clearly demonstrates the far higher per capita spending in the US compared to other developed nations. It must be acknowledged that the graph shows spending from all sources, public and private, although of course all spending in many of these nations is public,  because of  the existence of national health care systems.
  Even though total annual health care spending per capita in the  US is highest of all the developed countries, satisfaction with health care is below that of nations spending far less per capita. The graph below clearly demonstrates this fact. 


How it can possibly be that patient satisfaction is lower overall in spite of  far higher costs is, or certainly should be, a major concern for all Americans. Instead,  we are constantly bombarded with advertising from big pharma, healthcare insurers and even hospitals, loudly proclaiming their deep and abiding concern for us as individuals. The sad reality in America is that we pay more for health care and services and are as a rule less satisfied with what we get. 

       A common anti-national health care complaint is that waiting times for specialist care are too long in those nations with single payer systems ("single payer" is generally used to designate a national health care system with the insurer being the nation). 


The above graph shows that between 2004 and 2010 the gap between the US and NHS  (National health Service) nations have steadily decreased, with Canada as an exception.  In the UK, in fact, waiting times have been halved and are relatively close to those in the US. In Germany, they are lower. Germany. of all the European nations has the system which most closely reflects the aims of the Affordable Care Act - commonly incorrectly referred to as Obamacare.  Germany's system mandates healthcare insurance for all employed persons, but the insurance is privately underwritten. This system has resulted in a NHS which produces lower waiting times for specialist services than the US at a per capita cost half that of the US!

        My bottom line here is that Americans should probably reconsider before complaining about Medicare, since its benefits are generally in excess of what a private insurer could produce. Also worth consideration would be a calm, non politicized reflection upon those  NHSs in the world which accomplish essentially the same results as the US with less than half the per capita cost.  What is lost in the latter discussion, it seems to me,  is that the cost is the cost. It matters little whether it is my money coming from my taxes or my money coming from my pocket. Dollars are dollars.  If decent comparable health care can be provided with half the per capita expenditure, then surely that fact needs consideration, doesn't it?