Retirement Fears for the 2020’s and 2030’s

The Road

by James Wallace Harris, Saturday, September 15, 2018

I’ve been retired for five years. I’m almost 67 and the Social Security Longevity Calculator claims I’ll live to be 85. That will be in 2036. I need to financially survive another 18 years (or 216 months since we pay bills by the month). Of course, I could die this afternoon, or live to be 116. Judging my own health and psychology, I tend to think I can make it to 78, which would be 2029.

My financial security comes from a pension, social security, and a 401K. All three are under threat from conservative political ambitions. Plutocrats want to siphon off all the remaining wealth they do not control. As long as Republicans run the government, anyone who is not wildly rich should worry about their economic future, even the moderately wealthy.

Wealth inequality has been a hot topic for years, but what I’m really worried about wealth siphoning. The insanely rich are looking for large pools of money to target for acquisition. All the main sources of traditional capital investments are within their control, so they are looking at large social pools of money like Social Security, Medicare, pensions, welfare programs, public healthcare, and so on. If you look around to any large body of wealth that’s not in private hands, it’s in the crosshairs of the plutocracy.

I tend to believe, and hope, that Social Security and Medicare will be around for the rest of my life. However, the success of the greedy under Trump has been startling. Trump quickly transferred a tremendous amount of social wealth to the rich, and he’s working hard to do it again as often as possible. The conservative’s goal of shrinking the government is really a way to siphon off trillions of dollars by the wealthiest of citizens.

If they get their way, we’ll lose Social Security and Medicare, two programs I depend on, as do tens of millions of other people too. I could survive without Social Security. But I know plenty of people who couldn’t. I could survive without Medicare as long as I was willing to die when I got expensively sick. Without Medicare, having a heart attack will kill either me or kill my 401K.

As a consequence the rich siphoning off social wealth, the federal deficit is skyrocketing. Ultimately, this will destroy the economy, which will destroy everyone’s 401K savings. Without Social Security and 401K savings, I could probably still survive in the poorest part of town with just my pension as long as I didn’t even need moderate healthcare.

As the federal government comes apart, it puts the squeeze on state governments. That will threaten my pension. Of course, by then, almost everyone will be destitute, and it might not matter.

The one thing I hope comes out of the 2018 midterm and 2020 presidential elections, is stability. Of course, this is like wishing I’d win a billion dollar lottery. Too many people are casting votes simply because they don’t want to pay taxes. I don’t like paying taxes either, but all those deductions I made for fifty years is now providing me an income and medical care. I bitched then, but it’s truly wonderful now.

JWH

The GOP’s Big Heist

by James Wallace Harris, Tuesday, November 21, 2017

If only Congressmen carried guns, we could call their tax reform armed robbery. Republicans feel they have a mandate from America to cut taxes – that’s not true. Since Reagan, they have transformed themselves into an anti-tax cult. Conservatives have brainwashed themselves to believe God and his only begotten daughter Ayn Rand have put them on Earth to cut taxes. They will commit any crime to get what they want, believing they are faithful jihadists fighting the evil forces of the big government. This anti-tax religion has given conservatives meaning and purpose in life, empowering themselves with self-righteousness to believe their end goal justifies any means. They will lie, cheat, steal to get what they want, and they lack all integrity. Embracing Donald Trump proves that.

1040 Tax Form

Our tax system certainly needs reform, but there’s a difference between a real tax overhaul and slash and burn tax cutting. Conservatives want to make America great again but want to do it on the cheap. A great civilization costs money, big money. The cherished belief that a smaller government is better is merely another rationalization to cut taxes. We all want to live in a great society. We all want security. We all want fairness and justice. Unfortunately, the rich believe they deserve all the wealth and don’t care what happens to the rest of us. Their main delusion is they earn their money so it’s theirs to keep.

Americans want a society where work and effort pay off in success. But no one earns millions, or billions, through solo hard work. The rich whine they shouldn’t be taxed at a higher rate than ordinary people, ignoring they enjoy the fruits of our society at rates ten, hundreds, thousands of times that of ordinary Americas. Paying taxes at a higher rate should be their fair payment for membership in a minority that gets to fly in private jets, sail in big yachts, and dwell in multiple mansions while a poorer majority struggle to just get by in small homes, driving old Toyotas, and fantasizing about living the good life by binge-watching television.

The idea of trickle down wealth is just another rationalization to be greedier. Wealth trickles up from the common people. The masses are the slaves that give the rich their obscene lifestyles. To refuse universal healthcare, living wages, a safe infrastructure, and minimum standards of living only makes the wealthy obscenely obscene. If the rich keep hijacking all the wealth, they will starve the base society that supports their luxury lifestyle. Our economic system is a symbiotic relationship between capital and labor, but the rich want it to be a vampiric relationship. What happens will they kill their host?

We can have a great America, a great civilization only if we buy it. It does not come from Voodoo economics. The rich should not get any tax cuts at all and should be paying somewhat more than what they pay now. We should enact a 50% bracket until the national debt is paid off, the infrastructure is rebuilt, a fair universal health care is put into place, and a minimum living wage established, including a guaranteed minimum wage.

When we’re reorganized, rebuilt, out of debt, and America is truly great again, then we can roll back taxes. Right now, a tax cut is like a person with bankruptcy level debts deciding to cut back on their work hours. We need to reorganize the tax system, so it brings in more money, not less, and it needs to be equitable to all.

I have been reading a lot of articles on this tax overhaul. Take the time to read the ones I list below. Overhauling the tax structure is immensely complicated. Republicans tout simplistic mumbo-jumbo to rationalize their greed. If they get what they want, it will only hurt America. We live in tough times, a time when the tough should get going. Instead, our tough leaders are stealing the nation blind. We face countless threats to our survival. Instead of spending the money to fight those threats, we’re giving more money to the super-rich so they can pollute even more with bigger private jets, bigger yachts, and more mansions.

The trouble with conservatives is they’ve embraced a single-solution philosophy – cut taxes. That’s why they want to shrink the government, cancel health care and other social programs, do away with K-12 and Higher Education, ignore environmental issues, cut regulations, and anything else that gets in the way of them taking all the money in existence.

The real problem we face is wealth inequality. It will destroy America before climate change. The easiest way to understand what I’m talking about is to watch Robert Reich’s documentaries or read his books. Saving Capitalism just showed up on Netflix. The proposed GOP tax cuts will only transfer more money to the wealthy making inequality worse.

Do we really need these tax cuts now? Wasn’t overhauling the tax system the real goal? Are we getting tax-reform or being mugged? Taxation is an incredibly complicated problem, so is it fair to leave it in the hands of true believers whose faith is founded on attacking expertise and science? As citizens, we’re at the mercy of our leaders. Shouldn’t important issues require referendums? Should we leave such monumental decisions to GOP fanatics working behind closed doors? Shouldn’t tax reform come in easier to understand modular changes that the wisdom of the crowds votes on? Wouldn’t passing 25 separate tax reform changes over a period of years be wiser than one big bill that no one understands?

Read these articles, study the infographics and statistics. Consider using 5 Calls to let your representatives know what you think.

 

JWH

Is There Any Hope for the Future?

by James Wallace Harris, Tuesday, October 24, 2017

A friend of mine recently posted to her Facebook that her world was rocked when she attended a lecture by Rev. Dr. William Barber who is leading a moral movement to repair the breaches in our society. I assume Laurie found hope in the idea we can save ourselves by creating a new moral order. Even though I’m an atheist, I’m all for this. The trouble is our society is too fractured. Is it even possible to put it back together again? I’ve recently wondered if there is any kind of movement that everyone could embrace and find agreement? I figured it would have to be as powerful as Christianity was in its first four centuries — and yet work with non-Christians and non-believers.

How can we find common ground? Everyone talks about America being politically polarized into conservatives and liberals, but I believe there are far more divisions than that cracking up our society. If every group identity is going to demand society conform to their narrow vision we are doomed. How can we find common ground when so many different viewpoints want to dominate making the rules? Instead of seeking cooperative compromises they all fight to impose their view while demeaning everyone else’s.

In small, homogenous societies, social coherence is found with shared morality. We live in a vast, heterogeneous society with countless ethical/moral visions which makes having shared values almost impossible. In the past, we all tried to agree on some social conventions such as etiquette, acceptable public behaviors, and abiding the laws. Such efforts are almost universally ignored now.

Our greatest obstacle to finding social consensus is defining reality. “I will destroy the wisdom of the wise” is how the apostle Paul began the divide between religion and science by attacking what he called the “empty logic of the philosophers.” Several hundred years later, St. Augustine continued with “There is another form of temptation, even more fraught with danger. This is the disease of curiosity . . . It is this which drives us to try and discover the secrets of nature, those secrets which are beyond our understanding, which can avail us nothing and which man should not wish to learn.”

The-Closing-of-the-Western-Mind-by-Charles-Freeman

I got these quotes from The Closing of the Western Mind: The Rise of Faith and the Fall of Reason by Charles Freeman. They explain perfectly how and why modern believers deny science. The faithful intuitively understand faith is threatened by science. It’s why Christianity embraced Plato and not Aristotle when they discovered the Greeks. It’s why conservatives have a never-ending guerrilla war with education working to undermine K-12 and higher education. They deny the results of science by denying science.

Is it even possible to find a common morality sharable by the sacred and the secular? We can’t even agree murder is evil. How can Christians embrace stand-your-ground laws, gun carrying permits, and AR-15s in light of the Sermon on the Mount? It’s strange that godless liberals support diversity, a concept that St. Paul brought to Christianity when many modern Christians reject it today. Not only is our secular society fractured into countless pieces, but so is Christianity. If believers in a single divine authority can’t agree how can secular society?

The old saying claims money is the root of all evil. I think it’s truer than ever. Money promotes self-interest, and self-interest promotes justifying the acquisition of money by any means. Our plutocratic society has escalated lying to the supreme tool of the greedy. Wealthy people and corporations have learned that lying pays big dividends. A great book that makes that point is The Merchants of Doubt by Naomi Oreskes & Erik M. Conway.

There is a war on science, knowledge, expertise, and intellectualism. The greedy have aligned themselves with the faithful to attack science, and they are winning the war. We can never achieve a universal morality if half the population believes the end justifies the means, thus rationalizing lying. The age of fake news and endless assaults on journalism will never stop before society collapses. I sometimes wonder if the goals of the radical right are to destroy society so they can start over fresh.

There is no hope for any moral movements if we all can’t agree to stop lying. We all need to accept that science is the only tool we have for verifying reality. Science was invented to work across cultures and weed out subjective bias. It is an extremely effective tool for explaining the objective reality we all live in. We must accept that any subjective religion, philosophy, or opinion can’t be a basis for defining what is true. Religion has two choices. It can embrace science or reject it. Religion will strengthen itself if it accepts science, even if science denies it’s metaphysical assumptions. The real value of religion is creating shared values and stable communities — heaven on Earth rather than silly promises in exchange of silly declarations of beliefs.

The greedy are currently using religion to attack science to protect their wealth. The greedy have aligned with the faithful who are also attacking science to defend ancient memes created by primitive folks thousands of years ago. There is a logical synergy to their union but if it succeeds it will destroy our current civilization. Thus, greed is corrupting modern Christianity. I find it hard to accept the faithful who claim the moral high ground when Mammon is their ally.

I don’t know how they can assert America is a Christian nation when our society isn’t even close to resembling the sayings printed in red in their bibles. I believe Jesus tried to teach social action that has more in common with the Democratic party than the Republican. To me, the only valid analysis of Christian philosophy comes from what Jesus said. Everything else said in his name or about him is corrupt. Read The Five Gospels by the Jesus Seminar to understand what I mean, or the books of Bart D. Ehrman.

I believe our only hope is to get the faithful and faithless to agree on common secular morality. This is what the Founding Fathers intended when they created freedom of religion. Because religious beliefs are infinite in variety they need to stay out of politics and remain personal. We need laws and common morals that protect everyone equally. We need to ignore the politics of special interest groups that want special treatment for the few.

We need to agree that science is the only arbiter of explaining reality, promote universal quality education, develop a set of ethics that all agree on which protects both people, animals, the plant world, the environment, that develops a sustainable society. What we need is worldwide Constitution and Bill of Rights for everyone in the 21st century. We need to protect the poor and helpless, but allow the ambitious to succeed without collectively destroying the planet.

The Death of Expertise by Tom Nichols

I’ve read two articles this week that suggests this won’t happen. Both are about the war on science and knowledge. The first is Bill Moyers dialog with Joan Scott at Salon, “In the Trump age, an embolden attack on intellectuals.” And this older article at The Federalist by Tom Nichols, “The Death of Expertise” which later became the book, The Death of Expertise.

Hope involves believing people can change. Since we haven’t for two hundred thousand years, why expect the human race to get its shit together at the last moment to avoid an apocalypse of our own making? We could save ourselves if we weren’t so greedy. Unfortunately, we live in a civilization where greed is the foundation.

JWH

 

Will Puerto Rico Be The 1st Climate Change Retrofit?

by James Wallace Harris, Saturday, September 30, 2017

The disaster in Puerto Rico is truly horrendous. What’s important now is how we respond. I worry this Mag-10 catastrophe will be shoved off the news and be forgotten. I know Republicans are horrified at the cost of helping Puerto Ricans but we should make Puerto Rico our 51st state and divert all that tax-relief for billionaires into rebuilding their country. The scale of such a project would be awe-inspiring like the Apollo moon program.

You have to admit as a taxpayer, making the rich richer has gotten rather boring. I just can’t work up any more sympathy for people with private jets, and I’m tired of them conning us into giving them more money because of their self-serving lies about helping the middle class. Rebuilding our infrastructure will make America great again. Designing a self-sustaining economy for the 21st-century will make America great again. Cleaning up the environment will make America great again. Creating social equality will make us great again. Inequality in all its forms is only flushing us down the toilet.

The intellectual challenge of retrofitting Puerto Rico to survive future super-hurricanes is thrilling. And it will be great practice for when we need to rebuild all the southeastern coastal states. Is it possible to create an island paradise that can withstand rising seas and periodic Cat-5 hurricanes? Could we design homes that can be sealed like submarines from flooding and aerodynamically shaped to withstand 250 mph winds? Can we create a cell phone, power grid, water, and sewer system that can take a beating and keep on ticking (like a Timex watch in those old commercials on Mutual of Omaha’s Wild Kingdom)? Is it possible to develop a self-sustaining economy for 3.6 million people that can periodically withstand the worst nature can throw at them?

Since we won’t solve global warming we need to learn to take regular spankings from a pissed off Mother Nature.

After we retrofit Puerto Rico and other Carribean islands, we can work on Florida.

SanJuanPuerto Rico is the canary in the coal mine. Those folks down there are Americans even though we treat them like red-headed stepchildren. Congress is driven by greed, so I doubt those bastards will change their stripes, but maybe, just maybe, a disaster of this size will crack open their greedy little hearts just enough to let in a ray of compassion. I don’t think our rich folks need tax relief as bad as 3.6 million Americans without power, water, food, internet, and cell phone coverage.

JWH

 

Books To Read To Save The World

by James Wallace Harris, Saturday, July 15, 2015

  • We will destroy civilization before the end of the century.
  • Denying science is denying reality.
  • Denying evidence for personal gain is treason to our species
  • Greed is destroying all the species on this planet including our own.
  • Self-interest is leading to species suicide.
  • We have the knowledge and technology to solve our problems.
  • We must change the way we live to save the planet.
  • Human nature is too stupid to survive free market capitalism.
  • We will not save the world just by buying LED light bulbs and driving electric cars.
  • Reading books will not save the Earth, but it will help understand the complexity of the problems we face.
  • Reading these books can be depressing.
  • Not reading these books only makes our problems worse.
  • Read and recommend books that help us understand the reality of your actions.
  • We can only divert the collapse of civilization if we find a new sustainable way to live.
  • Read ten books before deciding if I’m wrong.
  • Read another ten to begin to find hope.

If you know of other good books, recommend them in the comment section.

The Sixth Extinction by Elizabeth Kolbert

This Changes Everything by Naomi Klein

Sapiens: A Brief History of Humankind by Yuval Noah Harari

Homo Deus by Yuval Noah Harari

Countdown: Our Last, Best Hope for a Future on Earth? by Alan Weisman

Learning to Die in the Anthropocene by Roy Scranton

Half the Sky: Turning Oppression into Opportunity for Women Worldwide by Nicholas D. Kristof and Sheryl WuDunn

A Path Appears: Transforming Lives, Creating Opportunity by Nicholas D. Kristof and Sheryl WuDunn

Capital in the Twenty-First Century by Thomas Piketty

The Rise and Fall of American Growth by Robert J. Gordon

Energy and Civilization: A History by Vaclav Smil

How Will Capitalism End? by Wolfgang Streeck

EarthEd: Rethinking Education on a Changing Planet by The Worldwatch Institute

Climate of Hope by Michael Bloomberg and Carl Pope

The Gulf: The Making of an American Sea by Jack E. Davis

The Death and Life of the Great Lakes by Dan Egan

Strangers in Their Own Land by Arlie Russell Hochschild

White Trash: The 400-Year Untol History of Class in America by Nancy Isenberg

The New Jim Crow by Michelle Alexander

Between the World and Me by Ta-Nehisis Coaste

Girls & Sex by Peggy Orenstein

Sex Object by Jessica Valenti

Saving Capitalism: For the Many, Not the Few by Robert B. Reich

Dark Money by Jane Mayer

Getting to Green: Saving Nature – A Bipartisan Solution by Frederic C. Rich

The Great Disruption: Why the Climate Crisis Will Bring On the End of Shopping and the Birth of a New World by Paul Gilding

Merchants of Doubt by Naomi Oreskes & Erik M. Conway

Democracy in Chains: The Deep History of the Radical Right’s Stealth Plan for America by Nancy MacLean

Growing a Revolution: Bringing Our Soil Back to Life by David R. Montgomery

The Carbon Farming Solution by Eric Toensmeier

Are We Smart Enough To Know How Smart Animals Are? by Frans De Waal

Half-Earth: Our Planet’s Fight for Life by Edward O. Wilson

On Tyranny: Twenty Lessons from the Twentieth Century by Timothy Snyder

No Is Not Enough by Naomi Klein

The Ocean of Life: The Fate of Man and the Sea by Callum Roberts

Water: The Epic Struggle for Wealth, Power, and Civilization by Steven Solomon

Climate Change and the Health of Nations by Anthony J. McMichael

Collapse: How Societies Choose to Fail or Succeed by by Jared Diamond

JWH

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