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One Nation… Poor, Divided, And Unequal

By Frugaling 8 Comments

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Statue of LIberty Inequality
Photo: Statue of Liberty. Credit: Juanedc/Flickr.

We’re in economic trouble. As the deficit wages on and the country continues to spend billions of dollars on wars that make no sense to average citizens, it’s easy to say that we need austerity and tax relief. That’s what this country voted for in the mid-term elections, as a slew of new Republicans were elected to Congress. Unfortunately, that action is shortsighted and relief will not last.

The elected Republicans are responding to a warranted distrust and unease with our current administration, but this new direction could corrupt our chances of lasting economic recovery. It may sound tragic, but we need greater taxation more than ever. In these economically troubled times, we are digging ourselves deeper by talking about cuts to budgets and public programs.

About 30 years ago, President Reagan began a long series of cuts to federal agencies and public funding — ushering in the first era of big time tax cuts for the wealthiest elite. And this trend only continued. The tax breaks hurt the most disenfranchised first. Cuts to funding generally suck necessary funds from education and welfare — programs that keep clothes on children, employees healthy, and roofs over heads. These are all in high demand.

It’s no accident that as cuts to important budgets continued, income and wealth inequality skyrocketed. We now live in a new Gilded Age. The average CEO gets about 204 times the salary of traditional employees. That’s immoral and outrageous. Are they doing 204 times more work? No. Are they doing 204 times more jobs? No. Some people point to the pressures of being a leader — the taxing life that they lead. To those supporters of income inequality for upper management versus average employees, I urge you to develop some empathy for the person that is on food stamps, working full-time, and dealing with children — all on poverty-inducing wages. Isn’t that stressful, too? I think the impoverished person would gladly take on CEO-level stress to pay their bills each month, reliably feed their children, and possibly (holy crap!) take a vacation from time to time.

Walmart is a perfect, nightmarish example, where CEOs and upper management make it big, and their precious employees wear blue uniforms and need food stamps to make ends meet (even when working full-time). It’s then that those outfits look more like prison uniforms.

Even more alarming is the growing wealth inequality. The Economist recently highlighted new research from two of the leading wealth economists. What they found was shocking. There are 16,000 families — 0.01% of the population — that have an average net worth of $371 million each. Staggering hardly describes this level of “average” wealth. The research suggests that this represents 11.2% of total wealth. To be clear, 0.01% of the population has 11.2% of the total wealth! How do we accept this inequality and disparity? How do we accept this assault on true family values? How do we accept this inequality that causes massive funding gaps?

We’ve reached astonishing levels of wealth inequality — approaching records from 1916. This disparate wealth disrupts middle-class opportunities, wealth generation, and social class mobility. All opportunities are stifled for the masses, as a select few profit. Those who’ve suffered most have the least. I cannot help but reflect on our values as a country. Could this corrupt — post-Citizens United world — truly be what our Founding Fathers set out for America?

Today more than ever, we are one nation, poor, divided, and unequal.

Filed Under: Social Justice Tagged With: CEO pay, citizens united, Congress, Democrats, Income Inequality, politics, republicans, Walmart, wealth gap, wealth inequality

Take Action To Reduce Climate Change And Lower Monthly Bills

By Frugaling 5 Comments

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The crisis of climate change

The climate is completely off-kilter. As humans, we’ve contributed to an atmospheric rise in climate change since the industrial revolution. It all traces back to our abundant consumption and fossil fuel use. In case there are skeptics in my audience, the evidence is clear that humans impacted climate change dramatically.

A couple months ago, the New York Times reported that,

A large section of the mighty West Antarctica ice sheet has begun falling apart and its continued melting now appears to be unstoppable, two groups of scientists reported on Monday.

Something snapped inside me, and I felt deep pain. How could we have done this to ourselves and the planet? I actually teared up, thinking about how we treat each other and this planet. It really hurt.

Shortly after that article, another was published that warned, the “Worst is yet to come.” Research found that record heat and floods were largely due to climate change:

The American scientists said the rise could be anywhere from one to four feet, and added that six feet could not be ruled out. Along much of the East Coast, the situation will be worse than the global average because the land there is sinking…

There goes New York City, Boston, parts of D.C., Miami, and more. We don’t have a contingency plan for all these people. The devastation would affect tens of millions of people. Individuals would flock to the west for shelter and a new start; at least, those who could afford it. I hesitate to think about those who might not have the economic freedom to up and leave low altitude areas.

Our consumer, consumption culture

This unpleasant, scary picture for the planet’s future is contrasted by a strong consumer culture that values growth, dominance, bulk, and abundance. When gross domestic product (GDP) estimates tumble on the national scale, economists, politicians, and Wall Street scream bloody murder. But when the temperatures are rising globally, and sea level rise is threatening entire countries, there’s silence.

We are an economy that’s feasting off of short-term gains, prolonged ignorance, and immediate gratification. Climate change skeptics are a dime-a-dozen and they’re propagating messages that are scientifically unproven, untrue, and dangerous. It’s all motivated by moneyed interests, and they’re looking for a way to keep the consumption going.

DJIA Stock Market Growth
30 stocks make up the Dow Jones Industrial Average (DJIA)

Our entire economic system is predicated on continued growth, but it will slow. Whether because of declining population growth rates, economic instability, or climate change, the economy will need a correction. It’s hard to fathom the willful, blissful ignorance of the markets, but the economy has not yet accounted for the pains of climate change. Just look at the most recent national weather tragedy, Hurricane Sandy:

An estimated 1.8 million structures and homes were destroyed or damaged, with economic losses exceeding $65 billion.

Unfortunately, the storms, floods, and wacky weather are only expected to increase. The economic consequences will be devastating for this country. Something’s gotta give.

Make an individual correction, save big

Frugality, simple living, thriftiness — whatever you want to call it — goes hand in hand with reducing carbon dioxide emissions into the atmosphere (CO2). By consuming less and saving more, your actions can greatly help the environment.

Climate change is simple science. The more CO2 in the atmosphere, the more the earth’s temperatures will rise. The sun’s rays/heat will be trapped in our atmosphere, and keep us warmer. We needed some CO2, but now we have too much.

Congress and the greater world seem doomed to delay powerful action to reduce the effect of carbon emissions. While moneyed interests, lobbying groups, and industry experts delay necessary change, you needn’t stand still. There’s still time to take action.

Here are 7 ways you can make an individual impact on climate change and save big:

  1. Walk, bike, or bus to school/work instead of driving
  2. Bring your own bags or reuse them at the grocery store
  3. Shut off water when you’re not actively using it
  4. Turn off your lights when you leave home
  5. Try to buy local foods and products when you can afford them
  6. Turn off or get rid of your air conditioner
  7. Encourage friends, family, and your own politicians to care for this issue, too

Filed Under: Save Money Tagged With: carbon, Climate, climate change, CO2, Congress, Consumption, Culture, Hurricane Sandy, refugees, shelter, tax

Food Stamps Are A Symptom: The Fall Of Wages Amidst Executive Excess

By Frugaling 7 Comments

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Snap Food Stamps Photo
SNAP! Photo: Sarah G/Flickr

In 2007-2008, the US economy collapsed into a powerful, potent recession that lasted years. Rates of unemployment and food stamp use escalated during this period. Everybody suffered throughout this turmoil.

Last year, The Washington Post asserted that food stamps increased because of the great recession – noting that 47 million people were now receiving the benefit. Amidst this trouble, Republicans in Congress worked to save about $40 billion over 10 years, by removing about 3.8 million from food stamps. But this highly-contested course of action never came to fruition.

What’s SNAP and who benefits?

The timing was confusing, though. At a time where more Americans than ever were in need of the welfare benefit, Republicans aimed to reduce benefits and exclude vast swaths of people. A variety of families and individuals need food stamps. From single-parent households with young children to underpaid full-time, single employees, food stamps positively affect and bolster the budgets of those most in need.

To qualify for SNAP (Supplemental Nutritional Assistance Program) as an individual, you need to make $958 (net income) or less every month. That’s about $12,000 a year; otherwise known as, poverty for an individual. Without some sort of assistance, it’s reasonable to assume that paying for nutritional, healthy food options may be severely restricted or non-existent. That’s what makes food stamps an important necessity for those in need.

USDA Gov SNAP Eligibility
Income Eligibility For SNAP. Chart: USDA.gov

The demographics are growing, changing

USDA Gov Photo Food Stamps WIC
Photo: USDAGov/Flickr

The Guardian Liberty Voice recently highlighted the shift in food stamp (SNAP) recipients. Unlike most assumptions regarding food stamps that are propagated in our media and culture, recipients are now working harder than ever – despite needing more benefits. A sharp change occurred over the last few years:

Food stamp use is now highest among working Americans, according to government statistics. This is the first time this specific group has had majority use of food stamps in U.S. history.

As the article continues, most years the elderly and young benefited most from SNAP. Now, working Americans are the largest recipients of this benefit. The Guardian Liberty Voice calls into question growing corporate profits amidst this turmoil and economic distress for the working class.

What is especially troubling about more people being on food stamps is that corporate profits have been high yet wages continue to decline.

The $80 million government program accounts for about $1.50 per meal per recipient. That can be difficult to live on, but food stamps aim to prop up low-income households to enable them to recover and grow out of this impoverished level. Unfortunately, these populations and families have been the target of a variety of public spending and private-industry employee cuts.

Simultaneously, executives are killing companies and employee spirit

It’s reasonable to assume that corporate executives are paid more than traditional employees. Their responsibilities are far grander and they are held responsible in a number of legal and shareholder situations. Most are paid for performance and work in very competitive environments. This can breed a culture of corporate profits over people.

Income among working class and executive class swiftly changed in recent years. AFL-CIO has calculated the average executive versus worker salaries.

The CEOs of S&P 500 Index company made, on average, 354 times the average wages of rank-and-file U.S. workers in 2012.

Despite trying economic times and difficult rates of unemployment, many companies are seeing their greatest profits ever and CEOs are receiving staggering salaries (by number and ratio). Lawrence Ellison, CEO of Oracle, was paid nearly $100 million for a year’s salary. Moonves, CEO of CBS Corp., received about $62 million. Starbucks‘ chairman and CEO, Howard Schultz raked in almost $29 million. To make the top 100 CEO salary pay list, you need to make at least $18.75 million per year.

CEO-to-worker pay ratios make it clear: Executive salaries ballooned in recent years and are directly correlated with a sharp decline in employment. Wall Street tends to value this attitude towards employees; rid the excess and reward the leader, the lesser man is expendable. But unfortunately, this mentality is degrading worker rights, confidence, and consistency.

What comes around goes around

The current, frigid economic conditions have left many without an out. Executive pay, staggering unemployment, and poor business practices created a cyclical problem for the majority of working Americans. Now, they are the largest recipients of food stamps. The tragic irony is that worker pay stagnated and unemployment rates increased, while executives received bountiful bonuses.

There are few defending the most vulnerable among us. The current equation seems broken. Maybe it’s time for protections, regulations, and a general counterbalance to protect hard-working Americans looking to achieve and work for themselves? Maybe we can start with executive income ratios.

Filed Under: Social Justice Tagged With: AFL-CIO, assistance, CEO, Congress, executives, food stamps, Income, Income Inequality, income ratios, nutrition, poverty, republicans, SNAP, Wall Street, welfare, wic

Fox News Does Not Call This Class Warfare, But You Should

By Frugaling 2 Comments

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Related article: Too Poor To Protest: How Income Inequality Silences Your Voice

Class Warfare Police Protests Picture
Republican National Convention, MN – Photo: Darin Barry/flickr (CC-2.0)

Personal finance: Where individual responsibility and systemic intervention were supposed to meet

In the 1920s, Hazel Kyrk, a researcher at the University of Chicago, looked at a concept called, “home economics” (Hira). This was a brand new area of study that emphasized the personal responsibility of individual and family money management. Through education, it was found that people would make smarter financial decisions.

Eventually, “home economics” became “personal finance.” This slight variation in names likely contributed to a rise in the personal culpability of one’s financial decisions. If you were given the proper education, tools, and were of reasonable intelligence, personal finance could help you budget, plan for the future, save for your dream home, and retire at a reasonable age.

Personal finance sets a standard of individual responsibility that is admirable, necessary, and vital to a motivated economy. Unfortunately, this framework is too simplistic to accurately appreciate our current, complex markets (e.g., credit default swaps, derivatives, zero-interest loans, and bundled home mortgages). We now live in an economy that besmirches and vilifies those who are struggling to make ends meet.

Fox News’ definitions for personal finance and class warfare

Fox News Income Inequality and Class Warfare Image
Photo: Fox News’ Coverage of “Entitlement Nation.”

In endless loop after loop of tragic soundbites, Fox News has made it their goal to unsolicitedly define personal finance for the American people. Those who could not move up income ladders were at fault for not trying hard enough. Those who were fired, took unemployment benefits, and found themselves without a job for extended periods were at fault for not hustling enough. Those without college degrees, barely making minimum wage, were never supposed to make a living wage. Even worse than these myths that persecuted the majority of earners, was a rhetoric regarding “class warfare.”

Fox News suggested that those who protested against big banks, stood for tax reform, and filled the streets looking for change (i.e., Occupy Wall Street protests) were simply looking for handouts from the government. By their standards, these lazy, narcissistic Millennials hadn’t paid their dues – they weren’t worthy of their protest. Suddenly, reasonable financial reforms, argued via peaceful protest, were seen as class warfare – a scourge that nobody should stand for.

The irony is that every bit of evidence points to wholescale, systematic actions that defeat the lower and middle class, effectively preventing them from being able to properly engage in personal finance. Many of the wealthiest 1% of this nation are engaging in a ruthless political battle to protect more of the financial pie. With record high income inequality, police action on peaceful protests, big bailouts for bankers, and a cycle of self-victimization, this is the real class warfare.

Police, the War on Drugs, protests, and more!

As a nascent resident assistant, I grew to love my on-campus, university police. The police were a friendly bunch that helped immensely when physical assaults, verbal abuse, and when serious health complications arose. But a couple pivotal moments also occurred during this time that tempered my admiration for police: First, I was contributing to the wholesale punishment of minor drug offenses (e.g., calling out students that were smoking marijuana in the halls, which would eventually become legal in my state). Second, YouTube and various media outlets showed vicious beatings and law enforcement abuses of students protesting inequality. In both instances, people were punished severely for minor offenses or mere inconveniences to established populations.

Alan Diaz Photograph Elian Gonzalez Affair Wikipedia
Photo: Alan Diaz/AP Wikipedia

Increasing emphasis surrounding the “War on Drugs” led to the Rise of the Warrior Cop. Essentially, officials pumped billions of dollars to feed and encourage the prosecution of low-level drug offenders. By arresting and taking out these small-time criminals, enforcement agencies received more kickbacks from the federal government. Special Weapons and Tactics (SWAT) teams became a popular “necessity” for any working police force, as no-knock raids became a popular highlight of service.

A police SWAT team raided the home of the mayor in the Prince George’s County town of Berwyn Heights on Tuesday, shooting and killing his two dogs, after he brought in a 32-pound package of marijuana that had been delivered to his doorstep, police said. (Washington Post)

Only after SWAT teams broke through the door of this mayor’s home, killing both dogs, and holding the family at gunpoint, did they realize this was the wrong house. While never admitting fault, the police eventually declared that the mayor was innocent, and that the package of marijuana was part of a larger ring of smugglers – not associated at all with Mayor Calvo.

This may be but an example of the excessive use of force on innocent people, but there’s an epidemic of these tactics. In Berkeley, California, during the Occupy Wall Street protests, students gathered peacefully. They were arguing for financial reform and serious change. The administration and on-campus police forces grew tired of the campsites and wanted to forcibly remove them from the lawns. Arm-in-arm, the students stood firmly against the police force’s new interdiction. But despite their peaceable assembly, the police dragged, beat, and slammed the weaponless professors and students.

Big-time bailouts, bonuses for bankers

In 2007, a massive financial crisis tanked pensions, bankrupted banks, and sent the world economy into a massive recession. Behemoth banks like Lehman Brothers shuddered their staff and went belly up. Bear Stearns, despite being rabidly recommended by stock guru, Jim Cramer, became a single digit stock before being swallowed up by a competitor.

Each news report was worse than the last, and there didn’t seem to be an end in sight. Wall Street and Main Street seemed to conjoin at this time of economic disfunction. Everyone needed to work together to bring back our economy. People were encouraged to keep spending, traveling, and consuming.

As wages stayed stagnant for lower and middle class employees, upper income salaries continued to climb at astronomic amounts. Seemingly, the more those wages increased, the more unemployment statistics increased. The correlation was undoubtable, and money was getting sucked up by a select few.

The worst trickery came in the form of “too big to fail” economics. Banks had metastasized beyond healthy size. To let major banks fail would’ve led to full-scale economic ruin. Insurance policies, pension plans, and much more would disappear because of one company, AIG, alone. The federal government stepped in to “save” the big banks, handing them a poorly recorded ledger that held the keys to tiny interest rates and flexible return dates. The banks would be able to keep lending!

The success of bailouts was met with financial reward for the highest echelons within the banking world. Despite the monies intention, to keep lending to those in need, executives received record salaries and bonuses directly from taxpayers’ wallets. The rich asked for a handout – demanded it – and got it. But the lower and middle income classes didn’t financially improve and benefit from the major bailouts; rather, stagnation continued. Nevermind Fox’s “Entitlement Nation” segment, this was “Entitled Elite Nation.” Where was Main Street’s bailout?

Mr. Blankfein goes to Washington

Goldman Sachs CEO Lloyd Blankfein CSPAN Picture
Photo: Senate Hearing with CEO Goldman Sachs, Lloyd Blankfein

The Wolf of Wall Street catalogs the grift and greed of former swindler, Jordan Belfort. In a classic pump, dump, and commission system, Belfort made millions by ripping off people that didn’t know much about investing. There’s a scene in the movie that shows the staff of the corrupt investment firm admitting no wrongdoing, because they simply “could not remember” or “recall”… well, anything.

As I sat through this part, I laughed aloud – this was exactly what Lloyd Blankfein, CEO of Goldman Sachs, and his boys did in broad daylight to Washington politicians. Fueled by a large cadre of layers, Goldman’s staff admitting nothing, forgot everything, and looked shocked by the allegations of wrongdoing. Rather than be chastised and censured, the executives were treated like princes – geniuses of business.

This kind relationship between business interests and politicians has long been present, but has progressively declined in recent years. With the painful introduction of corporate and wealthy interests paying for elections via Citizen’s United, lobbying power has grown to epic proportions. It’s far more easy for moneyed powers to meet and arrange times with Congressmen and the Executive Branch.

Billions of dollars are being spent yearly on Washington-based lobbyists, and they’re warring against lower and middle class values (by in large). The Citizen’s United court ruling may have suggested the corporations were people, too, but they sure don’t show it. From the Keystone XL pipeline to financial deregulation to tax holidays to reduced capital gains taxes, the wealthy are having their say while the majority miss out.

The narcissism of self-victimization and cycle of class warfare

Income Inequality in America Wikipedia Chart Class Warfare
Income Inequality in America. Photo: Wikipedia

Brilliantly, maniacally, Fox News jettisoned a perverted phrase into the ether and attempted shut up those who were suffering under crushing income inequality. Class warfare was stolen and misappropriated by the richest for the richest. Critique, protest, and concern was met with this singular phrase: class warfare.

To villainize those with modest means when they ask for help and hope during record-breaking, inequal times (see Inequality for All) is a horrific moral atrocity. The surprising amount of people that believe that the American Dream is alive and well are sorely mistaken.

In a way, there’s an egoistic, narcissistic self-victimization and cycle that the most affluent who lobby against reforms are propagating. The message encourages you to pity the rich, as their lifestyle is under attack. Class warfare is a tragic thing to be a recipient of, but that misses the request and reality. People are arguing for modest reforms, not a hatred of the wealthiest 1%.

Reforms that must occur to address record income inequality and sinking social mobility

To, in turn, villainize the rich defeats the purpose and point of this article. Wealth is not inherently bad, and should be encouraged to some extent. Wealth creation and capability adds to a vibrant entrepreneurial foundation that is at the heart of the American Dream. This is not a country that should squash this zeal for industry, but real reforms must still occur.

Regulations, income tax reforms, capital gains tax increases, and massive funding for educational programs may be a lot to ask, but we need these things to continue to prosper as a nation. Right now, staggering income inequality is holding us back from reducing our massive deficit and debt (from individuals to our entire country).

Sensible solutions may be found in “The Buffett Rule,” which asserts that the capital gains taxes are out of date for the amount of wealth that’s held in stocks. The idea was started by Buffett, when he pointed out that it made no sense how his secretary paid around 30% income tax, while he skated by at around 15%. One of the richest men ever was arguing for modesty at a time of great immodesty. The bill and proposal would’ve only affected the wealthiest 0.3%. Even this was struck down by the “do-nothing” Congress.

Fox News and corrupt elite misappropriated and annexed the term, class warfare. But they don’t deserve the phrase – it’s not theirs. Not since 1928, have we seen such blatant inequality. Attempts at peaceful protest are being beaten down by riot and SWAT police, and hampered by economic hardship of the masses that makes them “Too poor to protest.” The largest bailout packages ever were delivered to the Wall Street elite, and Main Street sat back and suffered – there wasn’t a handout to the average Joe. The worst, most disgusting portion surrounds the self-victimization of the Fox News elite – whining like they are under attack from their cathedrals of drivel.

As Russell Brand suggests, perhaps it’s time for a reevaluation of our political system. Money has destroyed politics and those who care to serve the majority. Individual voices are drowned by the moneyed powers. We are living in a political dystopia. The only question that remains: What will we do about it?

Filed Under: Social Justice Tagged With: bailouts, bankers, Bernie Sanders, class warfare, Congress, Equality, Goldman Sachs, Income Inequality, Inequality for all, lobby, lobbying, movements, Occupy Wall Street, police, protests, Russell Brand, The Buffett Rule, Washington

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