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Greedy Rich People Are Driving Homelessness

I’ve been speaking with someone in China I met on OKCupid.  She had this to say.   (She is an English teacher who has gotten admittedly rusty. )
I read your articles about being homeless. [She is referring to my articles on Hopes&Fears and Arachne since WordPress is blocked in China.]
I have to admit it’s just like most native Chinese people living in urban places suffering.
We could have home to live is because our tradition is to buy a home than rent,
so at least in our parents or grandparents’ young times, everything is cheap, and nation give us everything.
Start from my generation, they stopped supply anything. We have to save so much money but still being poor.
Most of the jobs here are well paid but have no insurance, and even if they have, it cost from your salary.
Plus the education and hospital charge soooooo much !
To stay in hospital for half month might cost 12 months salary. or more.

Book Review: Viking Economics: How the Scandinavians Got It Right-and How We Can, Too by George Lakey

Viking Economics: How the Scandinavians Got It Right-and How We Can, TooViking Economics: How the Scandinavians Got It Right-and How We Can, Too by George Lakey
My rating: 4 of 5 stars

This book is an excellent, highly readable introduction to the Scandinavian-style democratic socialism promoted by Bernie Sanders, why it works, and why even conservatives in the four countries covered (Sweden, Denmark, Norway and Iceland—Finland is culturally quite different and is mentioned few times and only when citing studies that specifically included it) neither want to end their country’s socialism or particularly to leave it—he notes a guy who went to Cyprus to avoid taxes who became little more than a folk hero for Scandinavian right-wingers whom most ultimately refuse to emulate because they see the benefits of the system. It includes interviews with members of Lakey’s Norwegian wife’s family, as well as policymakers and experts in the four countries, as well as research into studies that have been done for comparable issues in more capitalistic countries.

Nordics secret to success are that they are universal services states, not welfare states. No one is employed in means testing because the services are universal, so that labor force is freed up to do more productive jobs. Lakey makes a wonderful example describing the foolishness of libertarianism. If libertarians started their own country that had no taxes, they would have no military and quickly conquered by the military of a country that did. I used this argument against a libertarian on Twitter, and he claimed I was endorsing “might makes right.” I pointed out that to recognize something as inevitable is hardly endorsing it. Nordics believe correctly that education and health care are public goods like the military, police, and fire departments from which everyone benefits, and studies show repeatedly that when workers work fewer hours and have more vacations, the hours they do work are more productive than the hours worked by those in countries like the United States, who work more hours on average. Lakey cites an OECD study that shows that Norwegian workers produce 27.8 more per hour for hours worked. A Norwegian worker works on average 1,418 hours a year vs. 1,790 hours in the United States. In the United States, productivity is higher in states with higher taxation (citing a study by Neil Brooks and Thaddeus Kwong at the Canadian Centre for Policy Alternatives, “The Social Benefits and Economic Costs of Taxation.” Policyalternatives.ca, p. 273 n 141). Nordics also have much more freedom of choice in what they do with their lives rather than being beholden to money: “What I respect is the choosing [if one has passion for what they are doing], rather than a workplace pressure that takes away employees’ freedom to create meaningful lives on their own, individual terms. This is one of the starkest contrasts I have found in exploring the Nordic model: the extraordinary lack of freedom available to individuals in the United States to place work in the perspective that makes sense to them” (135).

Contrary to American notions of Scandinavian socialism, Norwegians expect those able to work to do so. Paid work is fundamental to society. Other countries build unemployment into the model (112).

When the government raises the unemployment rate, some blame the unemployed themselves for lacking jobs. The psychological dynamic follows accordingly… overwhelmed by discouragement, especially when they are told that it must be their fault that they are “losers.”

In Norway, however, society says something very different… the economic system was built for everyone, (emphasis Lakey’s), and therefore jobs are available, and free training and support are available, and working is important for self-respect and the economic productivity of the country. In short, the government’s policy is full employment.

When I learned that the unemployment rate is actually a choice made by those who lead their economies, I looked more closely at the Norwegian unemployment rates. I’d read that Norway’s long-term average unemployment rate is considered by economists to be “full employment” because it allows for the people who are in the labor market but in transition from one job to another. The average for the period between 1997 and 2013 was 3.44 percent, according to worldfinance.com” (114).

While many attribute this to the oil boom, Norway’s unemployment actually averaged lower before the oil boom (113). “The Nordics’ biggest achievement may be in refusing to think of themselves simply as objects of mysterious ‘market forces’” (122).

Much like in the fiction of Edward Bellamy, they started small and expanded. In
Equality
, the United States began by nationalizing the rail system. In Norway in real life, it began by subsidizing milk and nationalizing dentistry (122-3).

Swedish economist Gunnar Myrdal saved Sweden. He

had broken with the classical economists and offered breakthrough thinking that later won him the Nobel Prize in Economics. He argued that the reason classical economists were unable to imagine an economy that included well-being for workers was because they were not holistic enough. He believed that it was possible to design an egalitarian economy that would prevent poverty and be productive at the same time. His theory encouraged an investment in the individual person as a resource for economic growth—a pillar of what came to be called as the Nordic model.

Myrdal urged the new policymakers in the Swedish government to let go of the old, negative understanding of incentives for work held by classical economists—that it was a struggle for existence—and design a positive framework of incentives for economic participation.

Many lost their lives getting the Nordic model to be the law of the land. Nazi ally Vidkun Quisling made things difficult for Norway, and demonstrators had been murdered as early as 1885, while Sweden’s “Liberal-led coalition government’s choice to defend capitalism by killing workers lost the coalition most of its remaining credibility with most Swedes” (67).

While Margaret Thatcher was prepared to use the British military against her own people for engaging in a general strike, in Denmark, with 320,000 strikers is a country of 5 million, the government was persuaded to compromise, retaining stronger regulation on finance, and escaping the crashes that hit Norway and Sweden (33). “Rejecting free-market ideology, they largely returned to what works” (34).

Norway demands that banks risk their own money, not other people’s. Under President Gro Harlem Brundtland in 1991, the government seized the three biggest banks that were largely responsible for the collapse that year, regulations were restored. The government sold its shares in the banks and made a profit. Their most important decision was to eliminate shareholder equity. Morton Søberg, state secretary, notes that in order to prevent banking crises, you have to punish those directly responsible, namely, the shareholders, thus, they eliminated shareholder equity (31-32).

When hired by Iceland, health economist David Stuckler “learned that the IMF didn’t use hard data in determining the multiplier effect of government spending, relying instead on incorrect theoretical modeling. By using actual data, Stuckler’s team showed that government spending on health care and education had a high multiplier effect, and would therefore help the economy recover from the crash as well as save lives” (46). Untrue to form, the IMF, allowed Iceland to reject austerity because the government had the people at its back, and Iceland, being a democracy, has a government that, unlike in the United States, usually follows the will of the people (47). “The Icelandic government also argued that it was the banks’ idea to offer outlandish interest rates that couldn’t be made good on” (48-49). “The people as a whole do not have a responsibility for the debts incurred by private bank owners” (28). An international tribunal voted in Iceland’s favor, but not before the government acquiesced to the IMF on this one point.

Markus Jantti found that in Norway, Denmark, and Sweden, children of the bottom fifth had a much better chance of a higher income than their parents than in either the UK or the United States—“the more equal a society is, the more mobility it has” (78); “[t]he track record suggests that the Nordic economic design has features that are synergistic: the more equality, the more freedom. (Markus Jantti, et al. “American Exceptionalism in a New Light: A comparison of Intergenerational Earnings Mobility in the Nordic Countries, the United Kingdom and the United States. January 2006 IZA DEP No. 1938, Discussion Paper Series, Institute for the Study of Labor, Bonn, Germany. www.newyorktimes.com/interactive/2012…)

In health care, so-called “market efficiency” is actually “market wastefulness” with multiple insurance companies with multiple plans covering different things with multiple employees acting as gatekeepers (136). Lakey notes that many American doctors leave their vocation because of the paperwork burden. He refers us to David Stuckler and Sanjay Basu’s The Body Economic: Why Austerity Kills
for more on the dangers of unsubsidized health care.

Innovation lags in the United States compared to Sweden and other OECD countries with lower inequality. ( Jonathan Jopkin, Vitor Lapuente, and Lovisa Moller. “Lower Levels of Inequality Are Linked with Greater Innovation in Economies.” blogs.lse.ac.uk/politicsandpolicy/arc…)

Lakey cites (267 n. 104) Bowles and Y. Park, “Emulation, inequality, and work hours: was Thorsten Veblen right?” Economic Journal (2005) 115: F398-F412, showing that those who work the most hours gain the least, while Wilkinson and Pickett’s The Spirit Level says that countries with less equality spend more GDP on advertising. “Presumably, advertising is the carrot held in front of the donkey to keep it working.” Nordics find that Americans suffer from the inability to strike a sane work/life balance (135).

Laura Vanderkam’s “The Permanent Recession” shows that the U.S. acts in defiance of educational studies that call for small classrooms as well as divert taxpayer money into private sector testing companies (268-9). Philadelphia blaming teachers as an excuse to put educational taxes in private hands, running down quality of public service to achieve that result (269, n 117). In more equal countries, 15 year-olds tend to aspire more towards working class job that in less equal countries like Portugal and the U.S. (148-9). A 2013 poll showed 58% of Swedes opposed to charter schools, recognizing them as cash cows more than educational institutions.

UNICEF’s 2000 study of child poverty found that whether people are employed is less important a factor in poverty than what their wages were and the distribution of jobs (114). This again contrasts with a troll I encountered who insisted that work is important; whether the work pays you enough to live on is immaterial, and in my case, whether one is able to do the work safely and sustainably did not matter, either.

Lakey notes that there is a high correlation between the development and well-being of a country correlates to percentage of workers in unions. The high-union density Nordics are in the top (Iceland, 79.3&, Denmark 68.5%, Sweden 67.5%, Norway, 54.7%) with lower-union density (25.8%) UK down the list, and very-low-union-density US (11.1%), even farther down, a fact he attributes to the Orwellian labeling of common-interest groups like unions as “special interest groups” (86).

Citing a study by Neil Brooks and Thaddeus Kwong at the Candian Centre for Policy Alternatives, Lakey shows that high union density correlates with higher productivity, whereas the insecurity model used in the United States, which “creates an incentive to resist efficiency” (emphasis Lakey’s) (88).By denying businesses the right to undercut the union rate, U.S. economist James Galbraith explains, Nordic countries incentivize productivity: “They guard against lazy or incompetent managers who try to maintain profit by underpaying employees rather than doing their job of increasing efficiency” (ibid).

“Labor found that economists can design a system that virtually eliminates poverty, when hired to do so. When the working class takes power in a society, it can apply the economists’ policies and hire social scientists to evaluate the effects and stimulate course corrections.” The Nordics also “resisted the temptation to believe that poverty comes form one major cause” (111).

The Nordic countries have all but eliminated “absolute poverty,” and Lakey recommends that they take on “relative poverty” as well. The U.S., following the Nordic model, could eliminate absolute poverty and then proceed with relative poverty—“the economic marginalization that is measured internationally,” which, being more nuanced than homelessness, food, and heating, is more difficult. (See also Sean F. Readon.“The Widening Achievement Gap Between Rich and Poor” http://www.frbsf.org/community-develo…, cited by Lakey) He gives examples of these as the lack of a well-packed lunch for the school trip or the lack of a new dress for the school dances, barriers to social acceptance that “more privileged and perhaps clueless well-off people, appear to represent no barrier at all.” He notes that Norway’s Conservative Party attacked the incumbent Labor party for not abolishing relative poverty (128-9).

The USA’s 400 wealthiest families found ways to pay an average of only 17% of their income in taxes. Public confidence in economic elites is very low (W/P) (166).
Citing Timothy Potts, “Major Parties vs, the Majority” Philadelphia Inquirer, December 28, 2011, Americans are willing to pay higher taxes if they feel they get something in exchange (272 n. 138), just as the Nordics are. The problem is that in the U.S., people paqy lower taxes but do not see the direct benefits of paying them because of the wasteful ways their tax money is used. Trust levels are also highest in more equal countries (again citing Wilkinson and Pickett). Lakey also brings in Brian Miller and Mike Lapham’s The Self-Made Myth: And the Truth about How Government Helps Individuals and Businesses Succeed, which includes an introduction by Bill Gates’s father, to show how heavily subsidized by the government successful rich people actually are.

The book is a breeze to read, and as others have noted, may not get as in-depth as one may hope, but the book is really a broad survey introduction to the concepts it presents. It also includes entire chapters on how the Nordics deal with major issues such as climate change. It is therefore more of an introductory book that a deeply analytical one, but, if widely read, could be a major force in changing the way Americans think about economics and pushing for a system that works for more than just an elite few.

View all my reviews

Consolidated My Storage

Thanks to a friend from Occupy Wall Street who uses a pseudonym in meetings (I know his real name, but I’m omitting both here), I was able to transport what I had to put in storage during my transfer to my standard storage unit that is currently covered by HRA, and even if it were not, provides me with seven and a half times the storage space at only twice the cost.

unnamed (1)

All of this I was able to keep with me in my previous shelter at no additional cost to the city (it’s all wrapped up for transport–there is no garbage here, even the paperwork is supplemental to publishing a book about my experience).  This is now safely in my storage unit in New Jersey, although, as of this writing, I still have not received my $50 deposit back from Keepers Self Storage.  I think I made the video because I still have a location scout mentality.  There is something interesting about the locale that makes CubeSmart look homey by comparison.

Unfortunately, this was on April 13.  At 5 PM that day, my friend Jonathan, who has been spending much of his time in California since his girlfriend was killed, called to let me know I could finally come get the property I had been storing at his house in Westport.  My friend from Occupy could not do this so soon afterwards, and had I kept the storage unit at Keepers a bit longer, I could have finally retrieved my property that I’ve been wanting back since my 2013 transfer from Project Renewal to NAICA.  Among what I have there are numerous dress shirts, T-Shirts featuring Swamp Thing and Etrigan the Demon, a lot of underwear, an external hard drive that may be zotzed but contains the files form the newer of my two stored computers, and numerous books and comic books, including an entire short box.  Among those I can immediately think of are stored there:

  • Journey Into Mystery #78 (March 1962), which I could afford in low grade only by using $20 in store credit at Midtown Comics
  • four issues (as early as #5) of John Ostrander’s run on The Spectre, which I have been hoping to read soon
  • Wolverine: The Best There Is: Broken Quarantine hardcover
  • Trade paperbacks such as The Tomb of Dracula vols. 1 and 2 (read 1, but not 2), Crisis on Multiple Earths vol. 3, All-New Atom vol. 1, The Huntress: Darkknight Daughter, Martian Manhunter: The Others Among Usand Legends.  This has stalled my Zatanna and Solomon Grundy collecting/reading, as per my comic book want list.
  • early issues of Doctor Strange, Sorcerer Supreme, Blue Devil, and Captain Atom
  • issues of New X-Men and Hellstorm: Prince of Lies where I left off reading these series
  • Vertigo Jam
  • issues of The Baum Bugle and The Dramatist
  • vintage copy of John Wyndham’s The Day of the Triffids that I took from the Occupy Wall Street People’s Library
  • vintage forgotten mystery novel from the 1920s that I rescued from the curb.  I don’t remember the title or the author, so I could not obtain another copy.  It’s not a book of which most people are aware.

Jonathan didn’t give me an ultimatum to take these items, so they are still not permanently lost to me, but I could have taken the shopping cart in the above photo on Metro North and a New York City Bus the way that I can’t on a NJ Transit Bus, which has cushioned seats all facing forward and an aisle much narrower than an open cart.  Had I not closed out my storage unit, I could have retrieved these.  They would have made the car a bit tighter when I transported them out, but they would have gotten there, and I could get my clothes and books through the rotation between locker and storage as I do with the rest of my property.  I don’t like having to rotate things in and out of storage and not have them available for reference, but it’s better than nothing.  It’s also pretty bad in spring and fall when I can’t switch back and forth for the weather because of my limited space to store things, but it will have to do so long as corporate greed keeps me homeless.  He doesn’t seem to know when he’ll be back, however.

I hope I can get them soon in case I do get offered a job in another area.  It will make the move all more difficult if I have to coordinate that with Jonathan’s schedule, too.

Link

3.96 GPA and 0.00 Job Offers

https://www.linkedin.com/pulse/396-gpa-000-job-offers-brandon-naidus

by Brandon Naidus
May 4, 2017

“A lot of hard work and connections, but even more LUCK.”

The respondents are downplaying Naidus’s emphasis on luck, so I supplied them with this link:

https://scottandrewhutchins.wordpress.com/2016/10/11/book-review-success-and-luck-good-fortune-and-the-myth-of-meritocracy-by-robert-h-frank/

Link

The Secret History of AMI

http://citylimits.org/2016/02/17/the-secret-history-of-ami/

By Jarrett Murphy | February 17, 2016

By some measures, the AMI that New York City uses is 20 percent higher than actual median incomes in the city. That’s not surprising when you consider that median income in the Bronx in 2014 was just under $32,300, while in Putnam it was $96,000.

Others contend that a higher or lower AMI won’t change the hard math of housing costs in New York City. The real mismatch, they say, is between the increasing cost of building and maintaining housing and the stagnant incomes of many New Yorkers.

Crucially, however, the same legal language that gives Rockland and Westchester Counties their own AMIs requires that New York City’s AMI still include data from those counties. In other words, New York City data no longer drags Westchester and Rockland AMIs down, but their data still yanks NYC’s AMI up.

It gets even messier, however: AMI in New York City doesn’t directly reflect Census data about incomes. Instead, it takes the actual income statistics and inflates them to account for unusually high housing expenses in the region. And the AMIs for different family sizes aren’t based on actual data, but on estimates of how income varies among households big and small.

The impact of the AMI mismatch, critics have long said, is that the city ends up subsidizing housing that is unaffordable to the income groups facing the most severe housing crisis, and out of step with the communities in which the housing is built.

In other words, AMI causes the subsidizing of the rich, and the homelessness of the poor.

Latest Comic Book Acquisitions: Pre-Free Comic Book Day

The Most Recent Books Added to Your Collection

Back to your collection

1. Man-Thing (2017) #3
2. The Dreaming (1996) #45
3. The Dreaming (1996) #43
4. The Dreaming (1996) Special #1
5. Black Condor (1992) #8
6. Black Condor (1992) #7
7. Black Condor (1992) #6
8. Black Condor (1992) #5
9. Black Condor (1992) #4
10. Black Condor (1992) #3
11. Black Condor (1992) #2
12. Black Condor (1992) #1
13. Tales from the Aniverse (1985) #6
14. Tales from the Aniverse (1985) #5
15. Weird War Tales (1997) #4
16. The Weird (1988) #2
17. Wonder Woman (1987) Annual 03
18. Doom Patrol (2001) #14
19. Doom Patrol (2001) #13
20. Doom Patrol (2001) #8
21. Resurrection Man (1997) #27
22. Resurrection Man (1997) #26
23. Resurrection Man (1997) #23
24. Animal Man (2011) #25
25. Adventure Comics (1999) #1
26. National Comics (1999) #1
27. Superman/Batman (2003) #27
28. Superman/Batman (2003) #16
29. Captain Atom: Armageddon (2005) #8
30. Captain Atom: Armageddon (2005) #7
31. Captain Atom: Armageddon (2005) #6
32. The Black Hood (1983) #2
33. The Demon (1990) #50
34. Tomb of Darkness (1974) #9
35. Shade, the Changing Man (1990) #37
36. Shade, the Changing Man (1990) #35
37. Shade, the Changing Man (1990) #34
38. Shade, the Changing Man (1990) #33
39. Suicide Squad (1987) #66
40. All Star Comics Archives (1991) HC vol. 00
41. The Unbeatable Squirrel Girl [II] (2015) #6
42. Howling Commandos of S.H.I.E.L.D. (2015) #2
43. Man-Thing (2017) #2
44. Man-Thing (2017) #1
45. New Gods (1989) #12
46. New Gods (1989) #11
47. New Gods (1989) #10
48. New Gods (1989) #9
49. New Gods (1989) #8
50. Doom Patrol (2001) #22
51. Doom Patrol (2001) #19
52. Doom Patrol (2001) #15
53. Doom Patrol (2001) #12
54. JSA (1999) #70
55. JSA (1999) #69
56. JSA (1999) #5
57. Dr. Wonder (1996) #1
58. Captain Atom: Armageddon (2005) #4
59. Captain Atom: Armageddon (2005) #3
60. Captain Atom: Armageddon (2005) #1
61. Wonder Woman (1942) #279
62. Faultlines (1997) #1
63. Amazing Heroes (1981) #11
64. The Realm (1993) #1
65. Morbius: The Living Vampire (1992) #19
66. Morbius: The Living Vampire (1992) #18
67. Spider-Man (1990) #80
68. Spider-Man (1990) #77
69. Captain Victory and the Galactic Rangers (1981) #1
70. Adventures of Superman (1987) #644
71. Werewolf by Night (1998) #5
72. Shade, the Changing Man (1990) #36
73. Secret Six (2015) #5
74. Secret Six (2015) #2
75. Trinity of Sin: The Phantom Stranger (2013) #17
76. Trinity of Sin: The Phantom Stranger (2013) #15
77. Trinity of Sin: The Phantom Stranger (2013) #11
78. Justice League Dark (2011) #31
79. Justice League Dark (2011) #28
80. Infinity Man and the Forever People (2014) #6
81. I, Vampire (2011) #8
82. Howling Commandos of S.H.I.E.L.D. (2015) #3
83. Ghost Rider/Blaze: Spirits of Vengeance (1992) #18
84. Darkhold: Pages from the Book of Sins (1992) #9
85. Animal Man (2011) #28
86. Atomic Knights (2010) HC
87. Kenk: A Graphic Portrait (2010) OGN SC
88. Shade, the Changing Man (1990) #32
89. Shade, the Changing Man (1990) #31
90. Shade, the Changing Man (1990) #30
91. Shade, the Changing Man (1990) #29
92. Shade, the Changing Man (1990) #28
93. Shade, the Changing Man (1990) #27
94. Strange Adventures (1999) #3
95. The New Titans (1988) Annual 08
96. Animal Man (2011) #24
97. Swamp Thing (2000) #19
98. Hellblazer (1988) #101
99. The Books of Magic (1994) Annual 03
100. Green Lantern (1990) Annual 01

Millennials: Entitled? Or Simply Screwed?

dont date(,) megan

Sometimes, as a Millennial, I get really resentful.  I get tired of the image of our generation being soft and entitled.  I’m tired of being told that we need to just “get on with it”.  This idea that we were simply given too many participation ribbons as children.

The fact is that the world has changed in the past decade… And Millennials are the fodder.

Tutitions began to rise and we came out  of university with record levels of debt.

Jobs, good and steady jobs, became a thing of the past, replaced by contracts that start and stop, and give very little security.

And, housing, dear God, housing.  In the Lower Mainland one can’t win.  Renting is too much.  Owning is too much.  We buy these little places, our small foothold into the market, and then can’t move up.

We put off marriage, babies, as we attempt to get a grip.

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