My cousin told me that honestly she didn’t have enough information to form an educated opinion about healthcare and wanted to know my thoughts. She felt that she was mostly against the idea but growing up in a Mennonite community in one of the poorest counties in Mississippi can cause that. So I told her I would take my time to post some detailed information. I am copying that information here.
It is rather long, but I like to think it is worth reading since i did spend a lot of time on it!
So here it is:
Since you ask, I’ll be glad to tell. But let be give you some background.
For many years I worked for the GOP as a deputy registrar. I was a republican through and through. I just could not stand those ignorant liberals and all their ideas. I couldn’t understand them at all. They made no sense to me! Everything they stood for was counter to everything I believed. And one thing I really loved was winning debates against such people. I lived for it. I became a master of debate. One thing I found critical to my debate skills was making sure that I had all the facts behind me. I would dig in and learn these topics from every point of view. Philosophical, emotional, economical, and every other way.
There was just one problem. As I gathered information, I learned that things weren’t really as they had seemed. I learned all sorts of facts that would astonish you. Many, just like the fact that traffic circles are safer than intersections with stop signs, were counter-intuitive. Most importantly, I learned a lot about myself and what I believe in.
One of the things that I learned was that neither party was consistent with my beliefs. I also learned that the party to which I belonged that I had invested so much time, energy, and money into had basically fooled me. This really hurt because I had to come to terms with the idea that not only had I been misled, but I had been part of misleading many other people as well!
So I am not partial to either party. I am not a Democrat and I have a lovely Springfield XD-40 handgun and personal protection permit to prove it. I’m still an NRA member.
I also learned that although both parties were guilty of misleading people, the right was far far more guilty of it. This is because the right is a very organized movement while the “left” is basically all the people who disagree with the right. There really is no one common thread that ties the democratic party together, but part of the lies on the right is convincing people that there is this massive “liberal agenda” with a bunch of communist liberals hiding in every corner ready to corrupt the youth of America. This just isn’t the case. Most people on the left have some very basic beliefs about right and wrong that are well though out. People on the right often accuse those on the left of being “intellectual elitists”. Well, if that means that I feel that my opinion is better because I have more facts, then that’s what I am as well. Why the right seems to think that the search for knowledge is a bad thing I will never understand and this is just another thing that let me away from them.
I take each specific topic and learn it until I know it then I make a decision. When I’m not sure, I simply state so. For example, the jury is still out on unions. I have not yet decided how I feel about them. That’s why my only response to the news about the teacher’s unions is that the GOP had no business running through this legislation so fast given that they didn’t even campaign on it and that the legislation needs to be tabled until it can be debated well in the public and an election can be had where it was part of the campaign.
OK. So absorb that for a moment, but don’t comment. I’m going to break this into four emails. This one just to give you some background. The next will be about some of the more interesting things I learned that changed my core view of our country and how it operates. It won’t be until the third email that I will tackle healthcare. Then finally I will wrap up with a fourth email. This may take a couple days but it is worth it.
I know this will probably be a lot of overwhelming information, but you did ask and I think it’s important that you take the time to learn it all because it is so important. It shouldn’t be taken lightly. I am willing to go through all of this because I feel that it is my duty to undo some of the harm I did while working for the GOP. If at the end, you still feel the same, that’s fine. Part of what I learned was that there is no “right” or “wrong” opinion. People as they are when viewing a crime first-hand will all have slightly different opinions of exactly what happened. It’s only safe to reason that people armed with the same facts can come to different conclusions. The only bad opinion then is one where we aren’t armed with all of the facts and that is what I work very hard to set straight on a daily basis.
Does that sound alright to you?
NEXT EMAIL
OK. So where to begin…..I never really thought about it! lol
I guess you could say it was while I was working in the mortgage industry. Going into the mortgage industry I was as republican as the come and more so than most. Coming out I had pretty much changed hats.
My job in the mortgage industry started as an originator. I would find people who needed home loans for one reason or another, pre-qualify them, find them the best deal I could on a rate and terms and get them to close the loan. For this I made some very good money. A typical $100,000 loan would be about $800 per month. If a person had a home worth $100,000 and only owed $80,000 on it but had $20,000 in credit card debt, they could consolidate. Rather than a $750 mortgage and $300 in credit cards they could have a single $800 payment. Meanwhile I would make about $3000 on just that one loan. This would seem to be a good thing, right?
Well, sort of. If a person is well-disciplined they could do this and use the extra monthly income to pay off other debt and eventually work themselves to be debt free. However, that’s not human behavior. Instead, people with credit cards with zero balances who had been at the limit of their budgets will see all this freed up money and credit and go shopping. They buy new cars, new TVs, and everything else you can imagine! Then they are back where they started except now they owe even more!
As I learned more about the business, I learned that not only did every bank in the industry know this, but they counted on it. They wanted it that way. This guaranteed a never-ending supply of new customers. After just two years a customer would find they were at their limits again and refinance again. Now a bigger loan, higher rate, and of course I make my $3000 again.
These banks didn’t just keep these loans and collect payments. If they did, they would run out of money to lend. So what they would do is package hundreds or even thousands of them together. They would determine that roughly 5% would fail, but the rest would buy out or complete and pay all that interest. If you aren’t aware of it, a 30 yr loan at 8% for $100k paid back over 30 yrs is about $300,000. That’s 200% PROFIT.
So the banks sold packaged loans to bigger banks until they got to the biggest banks who then turn them into a “security” and sell stocks on them.
I hope you follow me so far. It may not seem important, but it is. So keep reading. lol
So a bank like Lehman Brothers would make a “fund” out of these loans – call it the “Lehman Mortgage Fund”. Since they were doing these loans so fast, these “stocks” seemed very attractive. And what could be safer than homes?
Many IRA companies – you know – companies where people put their retirement money – well, they invested people’s IRA money heavily into these stocks. So the short of it is this – Hard working American people were supplying the bash from their retirement income to fund the home loans at the other end. That’s where the money comes from to make home loans. Got it? I think you do.
So why is this important?
Well, as time progressed, people started to get to the point where they could no longer refinance again. You can only take so much money out of a property. At some point you have either borrowed all that you can out of it, or you have borrowed beyond your ability to pay for the loan. So the market began to dry up.
As a result, people were taking out less loans, paying off less credit cards, and were as such, unable to buy as much stuff. The economy started to slow. Bush did not want to be part of a lagging economy, so he did something. He pressured the Fed to lower interest rates despite the slower economy. He also began to dismantle some of the regulations in place that kept at least some of this in check and from getting out of hand. When he did, the big banks found that now they could get more lax about their underwriting guidelines. They could make loans to people who couldn’t document their income. They could loan money to people who previously simply didn’t qualify before. This opened a whole new market and a product referred inside the industry as “liars loans”.
Now this alone is fine really. You can assume that the failure rate of such loans is going to be higher and charge a higher interest rate so that the ones who do pay them off cover those who don’t.
But the competition between banks was fierce driving the rates down. Meanwhile the deregulation from Bush didn’t require them to go as far to disclose the actual risk of these loans as they were packaged into funds on the stock market. So all of American’s IRA money was going to pay for loans that were riskier than the fund managers were disclosing!
Now I saw this happening from the inside. I knew exactly what was up. In fact, I knew what was coming 2 full years before the economic collapse. So I got out of the business before it all came crashing down. What happened next is well known. The foreclosure rate skyrocketed. When it did, investors realized that these funds were worth far less than they thought. Almost overnight everyone pulled what money was left out of those funds which caused the single largest stock decline since the Great Depression. At the same time, the big banks were left with no money so they began to fail. Smaller banks, without big banks to sell loans to or any path to get money to lend stopped lending. People even with good credit found it hard to buy anything on credit and since most of the nation was already in debt beyond their means, it’s not like they could just start paying cash for things. So no one could buy anything. So the manufacturers quit making things. They laid people off. So now Americans had less money. They tried to love off their savings but they found t hat their “savings” was really in their IRA and their IRAs were now worth much less than they had put in!!!!!
The whole economy came to a screeching halt. It had effects all across the globe!
And the people who were running these large banks? Well, they knew it was coming in advance! The head of Countrywide sold off all of his own stock for $144 million at roughly the same time I chose to leave the business. Many retired with bonuses worth not just millions, but hundreds of millions! One CEO was fired and was paid $350 million on the way out!
These people knowingly and willingly took advantage of everybody and sent the entire economy into a tailspin and we have yet to recover.
Now, what did I learn? I learned something about power. You see. We are brought up to believe in rugged individualism. The power of the individual. The government is the enemy. Keep the power for the people and don’t give it to the government.
But here’s the thing. Real power doesn’t lie in the hands of the government. It lies in the hands of those with the most money. The power of Obama is pale in comparison to the power of Bill Gates, Steve Jobs, or even Mark Zuckerburg – the guy who made facebook. (He is a $25billionaire and his power is evident in the fact that I am using his software to communicate with you right now).
The government is powerless at the hands of such people. They can buy votes. They can buy people. Bush himself had much of his campaign paid for by the very people who he deregulated. There is almost no accountability for such people. You can’t vote these CEOs out of office unless they aren’t making a profit. And the more they make, the more they scheme and plot and steal to make more profit, the higher they get paid and the harder it is to get rid of them.
So you fear government control? That’s just silly. We are being taught by the GOP through repetition of this lie that we should fear the only means we have to control these tycoons at the top who are so powerful that only six of them were able to ruin the global economy in a matter of days!
Now, does that mean that all government is good? No. But if you pay attention to the GOP, you will hear nothing but hatred of the government with almost no indication that private industry can be just as corrupt and evil as any government.
This is of course because that’s where most of their money comes from to get elected.
This is what set me on my course of discovery. From there I started paying closer attention and I saw other things that I didn’t like. For example, if you listen you will hear utter disdain for all government. You will hear how inefficient government is. You will hear them cite failure after failure of government programs. But they are all lies.
Look at government workers. I know lots of people who work in government and every day they show up for work just like I do. They get paid less than me and work their butts off to do their jobs. Try working as a case worker, or a IRS auditor or police officer and see what I mean. Do you want that job? I don’t!
You hear how government is inefficient. You get examples such as $600 hammers cited to prove this. But what you don’t hear is that these cases are the exception. They rarely happen and the reason you heard about it in the first place was because someone got caught trying to cheat the system. That’s because financial recors for public sector jobs are open for audit and are made public. You can get your hands on the budget of any public entity if you know where to look. That’s not the case though with private companies. Their records can be made private. They can spend $10 million to find out the best way to “market” a product to you – ie figure out the best lie you will fall for – and no one questions it. And I assure you that in the private sector such exchanges as $600 hammers happen all the time. No one ever hears about it though because their financials are private.
Here is a terrific example. I had a serious debate with someone recently about public education. He was trying to tell me how public education was a failure and how private education was the answer. But here are some things he never considered:
1.) Before public education, private education was failing miserably. That’s why public education happened in the first place. It was so successful that every industrialized country in the world followed suit.
2.) Other countries beat us on test scores not because of our educational system, but because our kids care more about sports and entertainment. This is because these things are elevated by adults! How many parents show up for spelling bees compared to football games? Who donates their life savings to the academic teams? Our problem is cultural, not the system.
3.) Yes, we throw more money at the public school system and it does not good but that’s not because the system is bad. It’s because there is nothing wrong with the system and no matter how you change it or how much money you spend, you can’t fix it. Reason – see number 2.
4.) Private schools do show better test scores overall. But then again, there are no ghetto trash kids with druggie parents and foster moms in private school either. If you send these kids to private schools you will simply cause more problems at the schools. This problem is much deeper than public vs private schools. Private schools are full of kids with parents who care. Studies have shown clearly that when you control for economic background, public school kids actually perform above private schools in science, math, and history.
5.) Our test scores are really lousy on the world stage, but all of the other countries ahead of us have a private school system. They are all public schools that are ahead of us, so public school cannot be the problem.
6.) Our college system is screwed up beyond belief. It is extremely expensive and there are tons of homeless and jobless people with degrees. The college system is privatized. I don’t think it’s the model we want for primary education.
So the problem with public schools has nothing to do with bad teachers, teachers unions, or government. That much is obvious. Even worse, some of those in the GOP leadership are aware of this! They just don’t care because they have an agenda to push. Their other big contributor if from the churches who have a lot of vested interest in making sure that more people go to private schools. The churches want that tax money and are pushing this voucher program which will only make things worse! What happens when the only kids left in a particular school are the ones who’s parents won’t drive them across town to the private schools and the kids who don’t WANT a “better” education? You will end up with slum schools!
The GOP has had several memos leaked over the years where leadership has actually stated these things and how to “overcome” when people point it out. They send them out as “talking points”. I have already went way long on this so I won’t fill you with sources but if you want them I’ll get them.
The bottom line? I have discovered over the years that in nearly every way, they are a very well organized and close-knit party who’s sole objective is to maintain power and to do so they will say and do anything to convince people that they are against the “evil government” all the while using this as a way to get political contributions from the churches and the large corporations. They refuse to acknowledge this one important point. Our “government” is made of of our people. It is a government of the people, by the people and for the people. while there are some bad people in government, the checks and balances laid by the founding fathers keep things in line. This is in complete contrast to the checks and balances on power that do not exist in the private sector and that allows “private companies” to have power once reserved to Kings.
Before I go on to healthcare, I wanted to take a bit and talk about the role of government and address some myths. I know it
is a bit of a digression from the topic at hand but I feel it’s important because I see many different arguments against
government healthcare. Only one of those is about “government power”. Many others are about government inefficiency, the
constitution, “cycles of dependency”, “welfare states”, and other such nonsense. One of my favorites is “the government
spends so much money but doesn’t make anything!”. Before we can even begin to address healthcare itself, we need to address
these myths.
So I’ll start with myth number 1 – government inefficiency.
Often I hear people talk about how government wastes so much money. I hear how we spend too much on “government programs” and how that money is wasted on “layers of bureaucracy”. While it is true that money gets spent on administration, it is often far more efficient than private industry. You hear stories of “$600″ toilet seats and such but they unfairly place the blame on government when the real culprit is private industry.
My favorite example is the military. I choose it not because I have something against the military. Quite the contrary – I believe our military deserves the very best. But they don’t get it.
Why? Well, consider the “Manhattan Project”. Back towards the end of WWII, Einstein wrote a letter to Roosevelt that said the Russians might build a nucelar bomb and that we had better get on it. The military put together a program employing roughly
130,000 people and went from nothing to the first nuclear weapon in just four years in total secret. The cost was roughly $2
billion. Adjusted for inflation that’s about $23 billion.
More recently we developed the F-22 raptor. This plane will perhaps be the greatest fighter aircraft to ever fly. Even
against our own fighters in excercises it has a kill ratio of 108:1. Nothing in the world compares. But that came at a
tremendous cost. The cost to develop and deliver less than 200 of these planes was over $40 billion. (that doesn’t include
the $30,000 per flight hour maintenance cost).
But that plane used no new fantastic technology. The stealth technology was a bit more refined but the principles of stealth were already well known and studied. We improved the radar, the agility, the speed, and the electronics. But each of those things were simply modifications of existing technology. To make matters worse, no other military in the world was capable of taking on the aircraft we already have. Our existing planes were aging, but we could have simply built more new planes of existing designs – maybe making some improvements in radar and electronics with relatively little cost. There still would not be a nation in the world who could take us on in the air. Finally, the most ansurd part about it was that the program has now been killed because we developed the f-35 and because we are relying more on drones!
So what is the difference? What is the lesson here? Well, this all happened because at some point between WWII and now, we decided that the “government” having all that money to themselves was too much of a socialist thing. The free market needed to be propped up and supported. We felt it was only right that the military buy all of their stuff from the private sector. This caused two problems. The first was that congressmen who lived in districts with aerospace companies realized that to win votes they needed to get contracts awarded to the businesses in their states. Also, they realized that every time they could manufacture a war, a fear, or anything that required military hardware, they were almost guaranteed to be able to win more jobs in their districts and keep their elected position. On top of that, something else happened.
But that wasn’t the worst part. No, the worst part was that the concept of “profit” was introduced into government expenses.In the manhattan project, the US Army corp of engineers was in control of the whole thing. No one expected a profit. They just wanted to get the job done. Had the same project been done today, it would have had to been split among multiple congressional districts – some of which just by distance create additional costs. (Ever wonder why the space shuttle costs so much? The external tank is made in New Orleans, the solid boosters in Utah, it takes off in Florida and lands in California!) Then of course, they not only have to charge the government (you and I) for the wages of the people (which are always lower in government jobs), but they have to ensure profit for their company as a whole.This means they will charge whatever they can get away with and cut corners where they can. They also have to pay salaries to entire divisions of people in departments called “margin assurance” who’s entire job is to make they charge more than their costs, and they have to support board members and outlandish CEO salaries. FOr example, the CEO of Boeing’s salary last year was $19 million, lockheed’s CEO was paid about $19 million as well, and every one of the hundreds of companies hired to make parts of course has it’s own CEO,board, and shareholders to pay!
Imagine the difference had the US Corp of engineers over the last few decades been wholly responsible for designing and manufacturing our military machinery. Imagine the hundreds of billions that would have been saved had we not decided that the private sector needed to make these things.
The point? Government by nature is not less efficient than private enterprise, it is just different. Those $600 toilet seats happen not because a government employee was pad $600 to make it, but because some private sector sales person for a toilet seat company charged the government $600 to make a killer profit and some underpaid accounts payable clerk overlooked it while processing hundreds of invoices on the same day.
I could go on with examples, but I think you get the point.
So on to myth number 2: “The constitution doesn’t allow for welfare”
This one is perhaps the easiest to refute, but most commonly spread myth. People say it, repeat it, and eventually just like Hitler said, “If you repeat a lie often enough, it becomes the truth”.
There are two places in the constitution where it is addressed. The first is the preamble. “We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defense,[note 1] promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.”
Note the wording “to PROMOTE the general welfare”. Granted this is a very broad term and whatit means can vary. But that was the whole point of setting up a government with checks and balances that entirely revolves around writing new laws.
The second is Article w Section 8: “The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States”.
Granted, there was a lot we didn’t know or understand then. Germs weren’t even discovered until 1860. Also, most of the US was a wilderness and a person could just go out, claim a piece of land and work it. Not the case now since all land in the US is owned by someone and can only be aquired by purchase.
But that’s a bit off point. The point is that the Constitution does not prohibit welfare programs. It allows for the general welfare. It is up to us as a people and the Supreme Court to decide what that means and the Supreme Court has decided that the programs are legal. That is the way the government was setup and that’s the law of the land.
Here is some interesting information on wealth distribution:
http://www.facebook.com/l.php?u=http%3A%2F%2Fsociology.ucsc.edu%2Fwhorulesamerica%2Fpower%2Fwealth.html&h=dc0f6
Now Myth number 3: “Cycles of dependency and welfare states”
This one is fun. I’m going to copy some text from another site and edit as needed which will save some time but only the first couple paragraphs……
Perhaps the only topic that entertains more myths than the federal deficit is welfare. Reagan once described a Chicago Welfare Queen driving a Welfare Cadillac. Allegedly, she had used 80 different names to collect $150,000 in benefits. When the press tried to track her down, they discovered she did not even exist. Nonetheless, this apocryphal anecdote has enjoyed lasting fame – among both conservatives and liberals, for different reasons.
One of the most popular myths is that welfare is a serious drag on the economy. Actually, it barely registers on the radar screen. The most vilified form of welfare is Aid to Families with Dependent Children (AFDC), which allegedly gives poor mothers a financial incentive to avoid work and have babies. Together, AFDC and Food Stamps are by far the largest items of the welfare budget. Yet in 2008, AFDC formed less than 2 percent of the combined state and federal budgets. Food stamps also took up 2 percent. If you expand the definition of “welfare” to include all one-way transfers of benefits (such as student grants, school lunches and pensions for needy veterans), then welfare takes up only 19 percent of the combined budgets.
Another myth is who gets welfare. Mention the word “welfare” and most people automatically think of the poor. But the fact is that corporations and the rich receive far more welfare than the poor. Welfare for the poor (AFDC and Food Stamps) totaled $50 billion in 1992, but welfare for corporations (pork-barrel projects, business subsidies and tax breaks) are estimated to run from $85 billion to $800 billion, depending on which think tank you listen to. (More) Brian Kelly, a Washington journalist who has written a book on corporate pork, discloses that pork alone costs taxpayers between $20 to $100 billion a year.3 By itself, the $250 billion dollar Savings & Loan bailout would have funded 5 years of AFDC and Food Stamps for everyone on the programs! There is simply no question who receives the most welfare from government.
During the 80s, government spending on individuals increased for everyone except the poor. The reason is because the poor cannot afford lobbyists to defend their interests in Washington; consequently, politicians find the poor easy targets for budget cuts. Between 1970 and 1991, the purchasing power of benefits for the typical AFDC family fell 42 percent, primarily as a result of state and federal cuts.4 During the 50s, poverty hovered around 20 percent. Michael Harrington then wrote a bestseller entitled “The Other America” to remind the middle class that not all Americans were living like Ward and June Cleaver. The conditions that 20% of the nation lived in were absolutely horrible. If you get a chance, read that book. It will surprise you.
In 1964, Johnson declared war on poverty with his “Great Society” program. The increased welfare payments reduced poverty to 12 percent by the end of the 60s.One offset here was that by the 1970s, more people who would have been in that 20% homeless and starving were able to move OUT of poverty and into jobs. Unemployment was lower, education was better, more went to college and people were moving up out of poverty and into the workforce so much that it spawned a famous show called “the Jeffersons” from 1975 to 1985 and was the longest running predominantly black cast television series ever.The premise “We’re movin on up, to the top, to a deluxe apartment in the sky”….I finally got a piece of the pie…..:-)
In 1980, the average family received $350 in AFDS and $42 per person in food stamps each month. By 2009 that number was just $297 and $47 despite inflation. Welfare benefits that are paid combined with state and local programs still place a family at only 70% of the poverty level.
And this is where the “cycle of dependency” comes in. Most Americans are now convinced that welfare people live well, don’t work, have no incentive to get off of welfare, and will have more children to get more welfare. They think they are mostly single mom’s who got “knocked up” out of wedlock and are having our taxes pay for them to buy drugs, steak, and otherwise sit around and watch TV. Nothing could be further from the truth. Many studies have been done on this. They all come up with similar numbers that I will share with you:
84% of welfare recipients are divorced. Of those, 82% are not receiving support payments from dead-beat dads.
42% of all AFDC payments are eventually recovered by garnishments from dead-beat dads.
The average age of welfare recipients is 24.
Mothers on AFDC on average have fewer children than mothers who are not on government assistance.
85% of welfare recipients are on welfare for less than two years.
When stretched to 5 years, that number becomes 94.
Only 22% of recipients once off of welfare return and then 96% are off again within 12 months.
The average recipient receives a total of roughly $24,000 in total benefits in a lifetime.
In the 45+ other years that they work, the average recipient pays roughly 165,000 in taxes.
11% of first time recipients are over 40 years old.
43% of recipients have only one child.
14% of recipients are disabled.
39% are white, 37% black, 17% hispanic and the remainder “other”
Benefits are not paid to illegal immigrants
Abuse accounts for roughly 1.3% of all cases.
And here’s a neat one. In a pair of recent studies it was found that roughly 6% of people have received welfare benefits at some time, yet only .5% personally knew someone they were sure of or suspected was on welfare. This indicates that 11 out of 12 recipients is never even suspected by friends and famiily of even being on welfare. In other words, the bulk of recipients are not that trampy woman down the road that abuses her kids, but people who look just like you and I.
These numbers are all plus or minus one or two percent either way depending on the source but that doesn’t change the overall point. Welfare recipients just aren’t what we suspect. Most receive benefits for a limited time and then go on to become productive members of socity paying in much more in taxes in a lifetime than they ever receive. Obviously this is direct contrast to the myths spread by the GOP. But just think about it…. The amount a woman receives in welfare and food stamps when she has an additional kid is not enough to offset the cost of having another kid. Instead, even with the additional benefits, the kid costs even more than she already was spending. Why in the world would she want another baby? She’s going to do anything she can to keep from having that expense. I mean, really, if I told you that I would give you $75 per month to have another baby would it be worth it? I bet not, and you are one of those people who loves kids!
Needless to say, the “cycle of dependency” doesn’t exist. People grow older and move past welfare. We’re not talking about disabled people who by their very nature can’t take care of themselves. Welfare is a good program. It is successful. It does what it is supposed to do. A small amount do remain dependent on it and a small amount abuse it. But those people represent a very small portion of the overall program. As such it doesn’t deserve all the bitter resentment that has been created by the GOP since the Reagan days. Meanwhile, the same party that demonizes welfare and has created this myth just this year crammed a tax bill down Obama’s throat which included the extension of $65 billion dollars to the wealthiest 2% of Americans. And what do they do with that money? They don’t spend it on food which supports american farmers, or anything like that. They stick it in off-shore accounts, tax-shelters, spend it traveling overseas and buying exotic cars and other stuff from outside the country. Oh, and they use it to buy more power in Washington. (Now I’ve heard people argue that when rich people make more money they donate more to charities, but those numbers don’t add up either. I’ll be glad to dig them up for you if you like.)
And this explains some interesting facts. Today, the wealthy pay less taxes as a percentage of their income than any point in US History. There is a huge disconnect between how most people think the money in the country is distributed and how it actually is. For example, CEO pay over the last 20 years has grown over 300% while most other wages have remained flat. In 1960, the average CEO earned 50 times the average laborer. Today the average CEO earns about 350 times the average wage!
Think of that….take what your family earns in a year, multiply it by 350. That’s what the average CEO earns. The US ranks 93rd in the world in income equality…..just behind IRAN. Sure, you and I are better off than the average Iranian, but our CEOs are just that much better paid than the Iranian elite!
I could go on and on about this as well, but I’ll leave you a link if you want to learn more about this.
http://sociology.ucsc.edu/whorulesamerica/power/wealth.html
And that’s all for today. Next we’ll tackle the role of government and hopefully, finally get to healthcare. Again, if youhave any questions, feel free to ask. Sorry if I’m dumping a lot of information on you but so much of this is core to the issue at hand you need to know where I’m coming from.
She responded back with this:
Glad for all the information. It is very interesting. I would like to hear some facts on Mississippi. It may be a little different that the rest of the country. This county alone(Noxubee) has healthy men sitting around playing cards and drinking in many neighborhoods. Many blacks here have no desire to better their life. They only want that government check. Often they will ask a farmer for work but want to be paid in cash so they don’t have to report it. I still haven’t figured out how so many black men here don’t work since AFDC is for women, isnt it?. Another area you may want to research for both our curiosity is the HUDD program. When Jennifer was here before she went to jail we signed her up for HUDD. She was renting an old trailer where the rent was only $250 per month. When she was approved the representative told me to put $400 as the rent since that was common to be paid for rent. It didn’t matter weather the trailer was worth it or not. Now repeat that over and over all over the country. I have always wondered how many people overcharge the government rent simply because they can get by with it.I can definately see that welfare is a drop in the bucket compared to other spending!
And of course, I answered with this:
I know exactly what you are referring to. I ran a rent-to-own store for two years and saw a lot of this. I even see it in the habitat home they built next door to me. Granted, the woman is a registered nurse now but she wasn’t always. Read on and I’ll explain.
First of all, you are right about welfare being only available to women. Personally I have problems with that. It leaves lots of men homeless and on the street ready to steal and rob who would otherwise sit around harmlessly and get high. lol
But you are mentioning men sitting around doing nothing and waiting for a check. What’s going on here? I’ve actually already done that research as well. This was all done on my way to changing my position. (Did you see the pic of me I posted in my GOP shirt with Republican Congressman Hostetler?)
What did I find out? Well, it is a cultural issue, not a welfare issue.
Within the greater culture of the US are many sub-cultures. You have geek culture, sports culture, business culture, Jewish culture and Christian culture. Even within Christian culture there are sub-divisions. Catholic culture is completely different from Amish and Walmart even carries certain “Kosher” foods for Jewish people. There are even disturbing cultures where some follow sharia law and others allow for multiple wives, then you have skin-heads, and the KKK. Each culture and sub-culture has its own distinct rules and etiquette. The roles of various people are different in each sub-culture as well.
Just like anyone else,there are many sub-cultures in the black population. One thing that people such as you seem to be disturbed by is that in several of the black subcultures it is perfectly normal for the woman to be the wage-earner and support the man. It exists within certain sub-cultures of both whites and blacks, but it is more common within black culture. Women who are part of this sub-culture actually pride themselves in their ability to “keep” their man. (Note that I’m not referring to all black culture, just the specific sub-culture that you are concerned with). They parade their “man” around in the nicest shoes and clothes they can afford and their “man” does little more than sit on their ass all day and watch TV. The women cut the grass, do the laundry, bring home the bacon and fry it up in the pan. They derive as much of a sense of pride for keeping their man up as some wealthy white people do their expensive pure-bred dogs. In fact, some treat them no better than dogs. They put absolutely no faith in the ability of their man to be able to do anything right and thus never ask them to do anything. At the same time, they will jump through whatever hoops these men expect of them in order to “keep” their man.
Now from our point of view, this isn’t just odd. It seems absurd. We assume that these men must be abusing these women, taking advantage of them, or that they are somehow brainwashed into thinking this way. But it’s not the case. Instead, it is usually the women driving the relationship and pushing the man to the back seat. The men are left without much to contribute except to be jewelry for their woman, so they sit around and do nothing. And many white women join this culture willingly just as with any other strange subculture we know of. This doesn’t make them any worse than us, just different. It is our white culture that sees that and makes the sudden assumption that any man who doesn’t work while his “woman” does is doing so out of laziness. But our general interpretation is wrong.
You and I can’t make any more sense of it than we can make sense of Sharia law or Scientology. It just is. And they are intermixed with us in such a way that you encounter them regularly. Given the high number of blacks in Mississippi I’m not surprised that you see more black jobless men than there are on in the country on average, but rest assured they aren’t collecting welfare. They may be living with a woman who is, but as I showed before, most of those women will eventually get off of welfare. And sure, they don’t want to show their income because their woman could lose her benefits even if she sees none of the money. But that’s fine with me. If the employer doesn’t report it, the employer is paying taxes on the money instead of the employee. Either way, the money is taxed. So if the employer is fine with that, I am too.
Funny thing is that often, the income wouldn’t change the benefits since they are below the poverty line, but they are probably not skilled enough in math and the system to figure that out so they err on the side of caution. Surely we as Americans aren’t going to suffer because they have a little extra money to spend.
Now that doesn’t mean that there aren’t lazy people out there and that there aren’t people abusing the system. It just means that there are far less people sitting on their asses because of laziness than you think.
Here’s a couple of interesting things about Mississippi….your population is 60% white and 40% black. Blacks own 13% of all private businesses. Women own 25%! 20% are below the poverty level and that is split almost 50/50 between whites and blacks. Out of over 3 million people, over 600,000 are disabled. (Indicating there may be a lot of SSI disability abuse) Average people per household is 2.63.
But in your county, you are a minority. 70% are black and 28% white. 33% are below the poverty level and only 52% even get a high school diploma. But here’s something…Out of a population of 11,631, 33% were below poverty = or 3877 people. Federal spending was $1, 145,000. That works out to $2940 per person for the whole year. Not exactly a large amount.
3100 of your 11,000 people in Noxubee county are “disabled”. That’s more than 1 in 4. Half the population is under 18 or over 65. The “disabled” number includes people from age 5+ so there may be a lot of disabled children and elderly skewing these statistics. If 25% are under 18 and 25% over 65, then the 25% disabled could mostly be the same people who are over 65.
Looking at the stats for your county and state, I’d say that you live in one of the poorest communities in the nation. There doesn’t seem to be many jobs at all. I wouldn’t doubt that kids grow up thinking that an education is a total waste because it’s not like they will be able to get a job anyways. That’s just plain sad.
So the story for your county isn’t one of “dependency”. It is more like – “imagine what people would do there if there was no welfare.” Would it become a “shanty town” like we see in third world nations? Probably. Because there were many such places right here in the US. That was the “other america” I was talking about earlier. It was all but ignored.
Now about your HUD issue. They may be able to get away with that there, but not here. What that sounds like to me is that they had a budget to stay in and they had a shortage of eligible applicants. If they don’t spend the funds, the funds would be reduced the following year. So they were telling people to fudge numbers to keep their surplus up. Most places for HUD don’t end up with surpluses but shortages. The larger the community, the more likely they are to have a shortage instead of a surplus since the numbers are more predictable.
Still, this doesn’t make it right and you should have reported them. No matter how much money we’re talking about, it’s still our tax money and our responsibility to reduce abuse when we can. This abuse doesn’t mean there is a problem with the program. It means there is a problem with us.
And yes, people overcharge the government all the time because they can get away with it. That was my exact point earlier when I was talking about the military and the $600 toilet seats. Private companies and individual business owners are always trying to improve their profits by overcharging the government. So why do we do this, then blame the government?