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Seniors' Social Security Garnished for Student Debts

Wed, 05/16/2012 - 8:46am

The Social Security program... represents our commitment as a society to the belief that workers should not live in dread that a disability, death, or old age could leave them or their families destitute.

-President Jimmy Carter, December 20, 1977.

[This law] assures the elderly that America will always keep the promises made in troubled times a half century ago ... [The Social Security Amendments of 1983 are] a monument to the spirit of compassion and commitment that unites us as a people.

-President Ronald Reagan, April 20, 1983.

So said Presidents Carter and Regan, but that was before 1996, when Congress voted to allow federal agencies to offset portions of Social Security payments to collect debts owed to those agencies. (31 U.S.C. §3716.) Now, we read of horror stories like this:

I'm a 68 year old grandma of 2 young grandchildren. I went to college to upgrade my employment status in 1998 or 1999. I finished in 2000 and at that time had a student loan balance of about 3500.00. Could not find a job and had to request forbearance to carry me. Over the years I forgot about the loan, dealt with poor health, had brain surgery in 2006 and the collection agents decided to collect for the loan in 2008. At no time during the 6-7 year gap did anyone remind me or let me know that I could make a minimum payment on the loan. Now that I am on Social Security (have been since I was 62), they have decided to garnishee my SS check to the tune of 15%. I have not been employed since 2004 and have the two dependents.... I don't dispute that I owed them the $3500.00 but am wondering why they let it build up to somewhere around $17,000/20,000 before they attempted to collect.

Her debt went from $3,500 to over $17,000 in ten years?! How could that be?

It seems that Congress has removed nearly every consumer protection from student loans, including not only standard bankruptcy protections, statutes of limitations and truth in lending requirements, but protection from usury (excessive interest). Lenders can vary the interest rates and some borrowers are reporting rates as high as 18-20 percent. At 20 percent, debt doubles in just three and a half years; and in seven years, it quadruples. Congress has also given lenders draconian collection powers to extort not just the original principal and interest on student loans, but huge sums in penalties, fees and collection costs.

The majority of these debts are being imposed on young people, who have a potential 40 years of gainful employment ahead of them to pay the debt off. But a sizeable chunk of US student loan debt is held by senior citizens, many of whom are not only unemployed but unemployable. According to the New York Federal Reserve, two million US seniors age 60 and over have student loan debt, on which they owe a collective $36.5 billion; and 11.2 percent of this debt is in default. Almost a third of all student loan debt is held by people aged 40 and over and 4.2 percent is held by people over the age of 60. The total student debt is now over $1 trillion, more even than credit card debt. The sum is unsustainable and threatens to be the next debt tsunami.

Some of this debt is for loans taken out years earlier on their own schooling and some is from co-signing student loans for children or grandchildren. But much of it has been incurred by middle-aged people going back to school in the hope of finding employment in a bad job market. What they have wound up with is something much worse than unemployment alone: no job, an exponentially mounting debt that cannot be discharged in bankruptcy and the prospect of old age without a Social Security check adequate on which to survive.

 

Gone is the promise of earlier presidents of a "commitment to the belief that workers should not live in dread that a disability, death, or old age could leave them or their families destitute." The plight of the indebted elderly is reminiscent of the Irish immigrants who came to America after a potato famine in the 19th century, who were looked upon in some places as actually lower than slaves. Many plantation owners kept their slaves fed, clothed and cared for, because they were valuable property. The Irish were expendable and they were on their own.

It is obviously not a good time to raise interest rates on student debt, but they are set to double on July 1, 2012, to 6.8 percent. Many lawmakers in both parties agree that the current 3.4 percent rates should be extended for another year, but they can't agree on how to find the $6 billion that this would cost. Republicans want to take the money from a health care fund that promotes preventive care; Democrats want to eliminate some tax benefits for small business owners.

Congress cannot agree on $6 billion to save the students, yet they managed to agree in a matter of days in September 2008 to come up with $700 billion to save the banks; and the Federal Reserve found many trillions more. Estimates are that tuition could be provided free to students for a mere $30 billion annually. The government has the power to find $30 billion - or $300 billion or $3 trillion - in the same place the Federal Reserve found it: it can simply issue the money.

Congress is empowered by the Constitution to "coin money" and "regulate the value thereof," and no limit is set on the face amount of the coins it creates. It could issue a few one-billion dollar coins, deposit them in an account and start writing checks.

But wouldn't that be inflationary? No. The Fed's own figures show that the money supply has shrunk by $3 trillion since 2008. That sum could be added back into the economy without inflating prices. Gas and food are going up today, but the whole range of prices must be considered in order to determine whether price inflation is occurring. Housing and wages are significantly larger components of the price structure than commodities and they remain severely depressed.

There is another way the government could find needed funds without raising taxes, slashing services or going further into debt: Congress could refinance the federal debt through the Federal Reserve, interest free. Canada did this from 1939 to 1974, keeping its national debt low and sustainable while funding massive programs including seaways, roadways, pensions and national health care. The national debt shot up only when the government switched from borrowing from its own central bank to borrowing from private lenders at interest. The rationale was that borrowing bank-created money from the government's own central bank inflated the money supply, while borrowing existing funds from private banks did not. But even the Federal Reserve acknowledges that private banks create the money they lend on their books, just as central banks do.

US taxpayers now pay nearly half a trillion dollars annually to finance our federal debt. The cumulative figure comes to $8.2 trillion paid in interest just in the last 24 years. By financing the debt itself rather than paying interest to private parties, the government could divert what it would have paid in interest into tuition, jobs, infrastructure and social services, allowing us to keep the social contract while at the same time stimulating the economy.

For students, at the very least, the bankruptcy option needs to be reinstated, usury laws restored, predatory practices eliminated and the cost of education brought back down to earth. One possibility for relieving the burden on students would be to give them interest-free loans. The government of New Zealand now offers 0 percent loans to New Zealand students, with repayment to be made from their income after they graduate. For the past twenty years, the Australian government has also successfully funded students by giving out what are in effect interest-free loans. The loans in the Australian Higher Education Loan Programme (or HELP) do not bear interest, but the government gets back more than it lends because the principal is indexed to the Consumer Price Index (CPI), which goes up every year.

Predatory lenders are keeping us in debt peonage through misguided economics and bank-captured legislators. We have people who desperately want to work, to the point of going back to school to try to improve their chances; and we have mountains of work that needs to be done. The only thing keeping them apart is that artificial constraint called "money," which we have allowed to be created by banks and let out at interest when it could have been created by public institutions for public purposes, either by direct issuance or through publicly owned banks. We just need to recognize our oppressors and throw off their yoke and the good times can roll again.

originally published at truthout

Occupy Wall Street Defends Working Class Hospital, Endure Daily Struggle

Tue, 05/15/2012 - 5:24pm
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New York- Within a few hours of departing Vermont I found myself photographing in front of a hospital on Wyckoff Ave in Brooklyn. Here was a place of struggle. The drying elderly, the stutter-stepping parents, and the children that smelled of diesel fumes and hot asphalt had arrived. They came out, not to defend a politician, not to uplift an audience, but to recognize one another in common need. Wyckoff Medical Center is the hospital where the Empire State Building looms in hazy distance between which lay thousands of boiling acres of brick, concrete, and dirty steel cable shimmering in the heat. There is a place called “Bedpan Alley” where numerous “luxury” hospitals exist for the rich. On Wyckoff Ave, where decision makers rarely venture, the call has been made to close the doors to make way for more profitable enterprises.

A sooty layer of black accumulates on my fingertips with every passing minute. Wyckoff Ave feels as much a forgotten back-water as is possible within sight of the jagged Manhattan skyline. Dozens of protesters, some of them doctors and patients, marched around the red-brick compound with an urgent tone of voice that rarely emerges.

This tone, curing for decades, is not of despair, loss, or grief. This tone, immediately understandable and perceptible, forged slowly, is a tone of time and anger. Given enough time, the anger and rage of loss becomes too much to endure any further. One of the doctors spoke of holding his soon for the first time within the walls of the hospital. A protestor spoke of the penetrating fear he felt when imagining the walls of other nearby hospitals bulging beyond their capacity to provide the sanctuary required to recover.


 

 

 

 

This emergence, beneath an unbelievably blue sky, was the fight of people to care for one another, to stand in solidarity with those unable to stand, will be forgotten. It won’t be remembered, it won’t be catalogued, and it won’t be recounted as a legend. Instead, the legacy of the protests and demonstrations will be of a community hospital where babies continue to be brought into the world, where elders are given the care they deserve, and where the roots of the community continue to run deep.

Ongoing Struggle

Hours later, as the last of a series of fireworks slowly descended from the sky, the gathered Occupiers at the southern tip of Manhattan began to dance. Leaping and bounding into the air, hands raised and opened towards the stars, bare and ashen feet pounded a beat into the pavement, and all the upturned faces closed their eyes. They started to sing. It was a song, a call to prayer, and a rising pulse: “Dance for democracy! Da-da-dance for democracy! Dance for that anarchy! Da-da-dance for that anarchy!” It was then that fewer they moved into the street.

Somebody unfurled bright yellow length of the last banner not hunted and destroyed by the NYPD. It read OCCUPY WALL ST in three foot tall black letters and spanned across 4 lanes of traffic. This was the banner if there ever was one. Leading the march on May Day, those who carried it aloft defended it fiercely, even as they police began to systematically break the thumbs of Occupiers who had linked arms around its steward. Now, the banner was unfurling across Broadway and walking into oncoming traffic. The drivers of an Audi, a BMW, and a Mercedes gripped soft knuckles into leather steering wheels as they reluctantly rolled beneath the banner and watched as a few tattered yellow threads trailed slowly over their windshields.

A new chant rose as they moved north. “Whose streets? NO streets! TEAR UP THE CONCRETE!” The voices reverberated at a nearly deafening volume from buildings and windows. “Ah! Anti! ANTI-CAPITAL-ISTA!” rose from the tired band, a tribute to the Los Indignatos, The Indignant Ones, of Spain currently under heavy threat from the Spanish government. The chant grew louder still until suddenly stopping… only echoing remnants reverberated on.

They had all abruptly fallen silent upon arriving at Zuccotti Park, the birthplace of the movement and the site of several police riots against the peaceful occupiers. This was the home taken away, this was the dream deferred, this was hallowed ground.

They moved on, ignoring the scurrying of dozens of NYPD to their radios. Arriving at City Hall, the Occupiers set up their camp for the night. Like soldiers returning from battle, they wearily unrolled their tattered blankets sleeping bags. Some began handing out whatever food they had to one another, others took up the nightly safety vigil, and others still went in search of water. They laid down next to each other. Together in their struggle for change, they are together also in their struggle to survive from one day to the next.

In the dim glow of a few streetlights they looked at one another: This will be our home for tonight. Not sure where we’ll be tomorrow, but this is where we are tonight. Dream sweet dreams brothers and sisters; it’s all we have left. We’ll start again tomorrow.

 

 

 

 

 

For more photographs by Dylan Kelley visit his blog here.

Still Standing Amid the Wreckage

Tue, 05/15/2012 - 3:26pm

The New Urbanists held their big annual meet-up for four days last week and I stomped a big carbon footprint flying down to West Palm Beach for the doings. I don't know who exactly picked West Palm, but it was at once peculiar, disheartening, instructive, and exhausting.

The Congress for the New Urbanism has been throwing this yearly fandango since its founding in 1993 as a fire-eating reform movement dedicated to transforming the horrifying and toxic human habitat of America. Hopes were lofty in the early days that the US public would recognize the self-evident benefits of ditching suburban sprawl for walkable towns, but it didn't quite work out that way. The last frantic phase of sprawl-building commenced exactly the same time, jacked on easy lending steroids, and upping the stakes of the battle. That story ended in the baleful collapse of the housing bubble and the sad particulars need not be rehearsed here.

During the boom of the 90s and aughties, about 99.5 percent of the new real estate development was done by the conventional schlock sprawl-builders and the New Urbanists did much of the remaining .5 - which was enough to get their point across. Some of their projects (e.g. Seaside, Fla.) are now iconic examples of excellence in urban design artistry. Many others were botched by compromises made in the planning board battles, and another bunch were either half-assed from the get-go or plain fakes. These traditional neighborhood developments were almost always built on greenfield sites, provoking controversy that could not be briskly dismissed.

At the same time, quite a bit of New Urbanist work was done in re-making existing town centers and in retrofits of sclerotic older suburban parcels, and their influence was later seen in the many big city streetscape redesigns from Times Square to Santa Monica. Their laborious work in reforming the intricate idiocies of zoning law made possible better development outcomes in towns all over the land which adopted so-called Smart Codes.

The housing bubble bust massacred the New Urbanists. Many of the firms had tied their fortunes to the production house builders and the commercial real estate developers doing large projects, often hundreds of acres, and when the market imploded around 2007 their work dried up. Now there is very little new real estate development of any kind going on around the country. Many talents languish while the nation broods over the fate of its obsolete suburban dream and fails to recognize that we have to make drastically new arrangements for inhabiting the landscape.

But the mood at the 2012 CNU was still buoyant, considering. For all their vocational anguish, the New Urbanists are still about the only intellectual cohort in the USA with a coherent vision of what has gone wrong in our society -- our ruinous investments in futureless infrastructure -- and what can be done about it -- the reconstruction of traditional human habitat as the armature for enduring economies. Compared with the brainless religious zealotry and sexual hysteria of the right wing and the ruinous social services pandering of the left, the New Urbanists look like the only organized group of adults in the nation who have not completely lost their minds. So it was a pleasure to spend four days among them. They are a valiant band of cultural warriors.

Events are now in the driver's seat. The long battle against the continuation of suburban sprawl is over, despite the happy-talk noises made by what's left of the real estate industry. Half a decade of absolutely flat oil production -- propaganda to the contrary -- guarantees that the suburban project is finished. We're done building things that way (even if we don't quite realize it yet) so the New Urbanists have won the argument by default.

Quite a few non-New Urbanist "pundits" such as Ed Glaeser, the asinine Joel Kotkin, and dashing Richard Florida predict that the action has shifted to the big cities, and that may appear to be the case for this deceptive moment. But the mega-cities are in for a tsunami of troubles all their own in the form of vanishing wealth, fiscal disorder, sclerotic infrastructure failures, service interruptions, and ethnic turf battles as the effects of the epochal economic contraction bite deeper and harder. The inescapable downscaling of America means that we are heading toward a new disposition of things on the landscape in just the way the New Urbanists have prescribed: a declension of ecologies ranging from dense, walkable human-dominated urban habitats in the form of traditional towns and cities through a range of rural conditions running from farmland to wilderness necessary to support the health of the planet.

Time and nature will help take care of the accumulated suburban dreck on the ground. Humans are very skillful sorters of things and the disassembly of salvaged materials will be a big industry in a world taking a "time out" from industrial progress. The timeless principles that the New Urbanists revived will be the common sense of whatever we build in the future, even when the planning board battles of recent years are long forgotten. We will almost certainly return to social conditions in which nobody will dare put up a building devoid of conscious artistry. There's a lot to like in this quadrant of the long emergency.

The 20th reunion of old CNU friends was a little disenchanted by the conference site. West Palm Beach contains one of their showpiece projects, the nightlife and shopping district called City Place that was created out of a bombed out neighborhood. Casual observers crack on City Place as an "urban mall," but it's really just Rosemary Street rebuilt of new traditionally-scaled buildings with shops and bistros programmed in. A lot of it is generic chain business. Another sad element is the cartoonish, low quality finish of the buildings - sprayed on stucco and ornaments with no conviction. Both of these failures of quality represent the fast buck mentality of the big commercial developers and the larger vulgar so-called consumer culture they served. But City Place does include some pretty well composed public space in the form of a central plaza and a palm court running off it, and it was full of people enjoying themselves in the cafes those nights, and the ensemble managed to incorporate a very nice Beaux Arts church-turned-theater (the Harriet Himmel) in the Spanish neo-classical manner.

The trouble was when you strayed a block off Rosemary Street the fabric of the city fell apart. Some of it was just vacant land. Further east between Olive Street and the intercostal waterway stood a swath of oversized giant condo towers that represented the worst of the lamented housing bubble. Many were "see-through" buildings of empty, unsold units. The streets along these behemoths were as dead as any neighborhood on a Zombie planet, and traversing them to get anywhere was hugely depressing. The convention center, where the CNU meeting actually took place, stood off in its own twilight zone of separation, cut off from the beginning of City Place by the ghastly ten-lane Okeechobee Boulevard. The five-block walk (of very large super-blocks) to and fro from my hotel was like unto reenacting the Bataan Death March under that brutal Floridian sun.

Things are changing fast now though. The New Urbanists still standing are the strongest and most nimble. They are also the ones most deeply engaged in the trenches of architectural education, and they are as certain to win the ideology battles still raging in that realm as they won the battle over suburban sprawl.

Most of all, though, I'm glad to be home in my quiet backwater of this poor floundering nation.

corporate shills

Mon, 05/14/2012 - 10:48pm
Topics>

Last night in South Burlington a presentation was given in support of placing the F35 killer jets at the Burlington airport. It was a public forum and hundreds of people turned out to speak. The first five speakers were a great promotion for secession. They consisted of representatives for Leahy, Sanders, Welch, Shumlin, and the Pope himself who overwhelmingly supported the noisy, polluting, life destroying profit making machines of Lockheed Martin. Never has a more focused group of corporate shills ever been presented to the Vermont public. At times during the speeches of these Lockheed Martin cheerleaders I could hear the star spangled banner playing in my head and it was all I could do not to burst out in song.

       Supporters were focused on jobs, supporting our boys, and the fact that freedom is not free. The naysayers worried about pollution, noise and property values. Many of those objecting including myself were not given the opportunity to speak. From the beginning it appeared to be a rigged game, the way the air force likes it. The “rules” were supposed to limit speeches to the EIS report and its impact but the first ten speakers only talked about hurricane Irene and how great it was to have the National Guard on our side. At this point I was feeling sick, realizing that I’d been had and that despite the fairness speech given by the moderator this was a setup.

           Luckily much of the applause went to those opposed and Juliet Buck and Dave Ross gave rousing speeches that brought some of the best responses of the night. I remained seated for almost three hours never to deliver my speech so here it is in a nutshell.

          I have never been in a fight in my life. I am most proud of this fact. I don’t understand killing or war. When I was 18 I was almost drafted.  I would have gone to Canada. Fighter jets kill people, destroy communities, sterilize agricultural areas, and displace families. Everyone here tonight seems to be worried about themselves, their jobs, their communities, their children.

        What about the children of Iraq, the environment of Afghanistan, the schools in Libya. Nobody gives a damn about the damage that fighter jets do to these communities and their environment.  I look out of the corner of my eye and notice military brass smirking like George Bush whenever the death and destruction of F35’s is mentioned. The culture of violence and greed on display. 

      I will never support anything or anyone who kills another person, for any reason, and that includes the Vermont National Guard.

      

Nip the Next Bailout in the Bud

Mon, 05/14/2012 - 11:10am

In the fours years since the Federal Government and Federal Reserve began dumping obscenely large piles of public money into the corporate banking system, little has been changed for the better. The revolving door between that industry and its "regulators" is the same as it ever was, and there is every reason to believe that, in the next crisis, the "Too Big to Fail Banks" will once again be able to extract a bailout from our government over the protestations of the American people.

Given this reality, it has become clear that trying to reform the financial system through purely political action in the current environment is a fool's errand. The banking industry is so deeply embedded in the power structure that it gets what it wants from the government, regardless of public opinion. Indeed, the nature and extent of that power was laid bare for all to see in the process by which the TARP bailouts were enacted in 2008. Initially, the combination of the proximity of the coming elections and the enormity of the public backlash against the bailouts accomplished the unthinkable: the bailout that the banks were demanding failed to pass Congress. However, their lobbying machine responded by swinging into overdrive, and it took less than a week to strong-arm a majority of the House of Representatives into authorizing the pumping of $700 billion into the banking system.

Ultimately, the lynch-pin of the banks' success in obtaining the bailouts was the fact that they were able to hold the interests of tens of millions of their customers hostage. Though such people who patronized the likes of Bank of America, Wells Fargo, Citizens Bank, et. al., felt that the bailout was wrong, their fear of what would happen if their financial services provider went belly up trumped their indignation and they were willing to go along with the program. Ultimately, it was the interests of their vast customer base that provided the critical element which forced Congress to accept the banks' agenda.

Thus, to prevent the next round of bailouts from getting off the ground, it is imperative to undermine the political clout of the TBTF banking system, and the most effective way of doing that is by convincing its customers to go elsewhere. By denying such banks the ability to shield their irresponsible behavior behind the interests of their small depositors, it will be much harder for them to make the case that the government giving them free money serves the public interest.

As for where people should be encouraged to move their money to, the choice is clear: credit unions. As cooperatives owned by their depositors, the basic organizational structure of credit unions ensures that the interests of the customers (or "members," in credit union parlance) are aligned with those of the institution (in contrast to banks, where the relationship is oppositional). Indeed, in a free market for financial services (i.e., one without government regulation/central banking, etc.), most deposit-taking institutions tend to be organized in this way; people only began trusting corporate banks with their deposits in large numbers after the passage of Federal banking regulation in the 1930s.

As a result of this dynamic, the rate of commercial bank failure in the most recent financial crisis was almost five times that of credit unions, and credit unions therefore did not need a bailout. Thus, if this trend holds in the next crisis (which a quick glance at history suggests it will), it suggests that pushing for a mass movement from banks to credit unions could be a key factor in preventing the next bail-out.

For credit union members whose self-regulating institutions behaved responsibly and are sound, a bailout doesn't feel like the necessary evil it appears to be to a bank customer. Instead, it should rightly be perceived as a transfer of one's tax dollars to prop up an industry that is in direct competition with the credit union of which you, as a member, own a stake. As such, to a credit union member, bank bailouts are not just an attack on the public interest, but also on one's own personal financial wellbeing. If made conscious of this fact and politically mobilized the next time a bailout is on the horizon, the mass of credit union members have the potential to form a counter-weight powerful enough to neutralize the enormous clout of the banks. Thus, moving one's patronage from a bailed out bank to a credit union both strips the banks of their cover while simultaneously strengthening the most formidable potential barrier to the passage of the next round of bailouts.

There are many ways of achieving this goal, but one tactic that has a great deal of potential is boycott and picket campaigns against bailed-out banks. After connecting with other like-minded activists locally, do a bit of research and figure out which bank with a branch in your community is the most egregious example of Too Big to Fail. Once identified, publicly announce the goal of closing that branch through a boycott and picket campaign (ex.: http://bit.ly/IIBGc6), and begin organizing groups to stand outside of the bank several days a week handing out literature and asking everyone who enters to move their money to a credit union.

As the campaign grows, increase the number of hours per week there are pickets present, with the ultimate goal of making it so no-one can go to the bank without first being asked to join the boycott. If the branch can ultimately be made unprofitable as a result of its customers moving from credit unions, you will have succeeded in meaningfully shifting the balance of power away from the Too Big to Fail banks that have hijacked our government and run our economy into the ground!

Vaccine Freedom Prevails Over Warped Logic

Tue, 05/08/2012 - 10:29am

The following blog entry is by Sarah at the Healthy Home Economist.  Thanks, Sarah!

The vaccine industry went home with its tail between its legs after suffering an enormous and embarrassing defeat at the hands of the Vermont legislature last week.

The well monied effort by Big Pharma went down in flames with the defeat of S 199 which would have eliminated the right of Vermont parents to refuse vaccinations based on philosophical reasons.

S 199 was introduced by State Senator Mullin who just happens to be the Vermont chairperson for the American Legislative Exchange Council (ALEC).  ALEC is a lobbying organization that works for the benefit of Big Business that provides it with its generous funding.

A complaint was recently filed against ALEC by Common Cause charging that the lobbying organization is evading Federal tax law by posing as a tax exempt charity all the while spending millions of dollars each year lobbying for hundreds of bills in state legislatures all across the United States.

In keeping with the ALEC modus operandi when pushing pet legislation, S 199 passed with dizzying speed in the Vermont Senate, but by the time it got to the Vermont House, parents had organized and started to fight back hard.

Of grave concern was the aggressive lobbying by Dr. Harry Chen MD, the Commissioner of the Vermont Department of Health Services, who had the audacity to suggest that the very reason the philosophical exemption should be eliminated was because of increasing numbers of parents exercising their philosophical right to vaccine refusal!

How’s that for warped logic?

Fortunately, freedom and common sense prevailed and by the time S 199 emerged from the Vermont House, the philosophical exemption remained intact.  Parents will have to now submit letters of philosophical refusal each year and sign a statement that they realize that not vaccinating puts others at risk.  Such measures are nothing but face saving compromise to allow the Vaccine Industry to slink away quietly, whimpering in defeat considering that the herd immunity argument by the vaccine industry is blatantly false.

Will the Vermont legislature have another go at eliminating the philosophical exemption next legislative session?  Not likely, say S 199 activists, who promise heated efforts to unseat the bill’s sponsors so that they are not returned to office after the Fall elections.

Sarah, The Healthy Home Economist

Source:  Huge Victory for Vaccine Rights in Vermont

 

A Requiem for Ernest Callenbach

Mon, 05/07/2012 - 5:13pm
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In 1976, Ernest Callenbach wrote a wonderful although in places somewhat corny novel about a move by Northern California, Oregon, and Washington to secede from the United States and create an ecological ("sustainable" in modern parlance) utopia - an "Ecotopia."  He sought a publisher in vain, and finally published it himself.  It went on to sell more than a million copies, and became a classic of the speculative futures literature.

Ernest Callenbach died at the age of 83 on April 16th.

His writings have meant a lot to me, so I just posted this article at the Inter States site: "Requiem for Ernest Callenbach." May he rest in peace.

 

I just read that Ernest Callenbach, author of Ecotopia and many other works, died on April 16th of cancer at the age of 83.

Ecotopia has probably influenced me as much as anything I have read, as it has many other readers.

It was the original inspiration for this ongoing novel project, Inter States.

I came across Ecotopia in a course at RPI around 1980-81, and promptly selected it as the basis of a paper I wrote for that course, entitled “The Economics of Ecotopia.” I was fascinated by the whole-picture approach of the novel, in which Callenbach strove to come up with a world that, while different from the rest of America, was plausible and internally consistent. I believe he succeeded.

Emblematic of my somewhat overenthusiastic idealism at the time, I gave a copy to Rep. John B. Anderson in the year following his failed 1980 presidential election attempt as an independent candidate. Anderson’s office was just off Massachusetts Avenue in Washington, DC, near the National Cathedral. The rumor was that he was preparing a new campaign bid. I presented Ecotopia to him as if the blueprint of a better future had all been worked out. (In my mind, it was true.) Not sure whether he ever read it.

Now, Tom Engelhardt has posted an essay by Callenbach found in his computer posthumously, entitled Epistle to the Ecotopians. I read it with deep mixed feelings of appreciation and dread. The world that Callenbach depicted feels in some ways closer and in other ways more unreachable than it did when I first read it only a few years after its writing – closer in terms of the new technologies and practices that have been developed in the nearly four decades since, more unreachable in terms of political ideologies and in terms of the damage to climate, habitat, biodiversity, the middle class, etc. that has accumulated since then.

The year 1976 saw America beginning to recover from the trauma of Vietnam and the Watergate crisis, and between the twin oil shocks of the 1970s. Jimmy Carter was elected president, and had not yet failed in his presidential agenda. The USA was celebrating its bicentennial. Worry and wounds were starting to give way to greater social cohesion and optimism, after the turbulent 1960s. But there were still many dark clouds around, including air and water pollution visibly worse than what we typically experience today, and Callenbach was clearly affected by these experiences as he penned Ecotopia in the years of the early ’70s. (It was not yet “morning in America,” as Reagan would trumpet in early 1981.)

In Callenbach’s last written words, he is grateful for a full life, and Gaian in his composure. But his opinion is clear about “a century or more of exceedingly difficult times” ahead, so his essay revolves around the attitudes, capacities, and skills that will be needed to survive and keep utopian visions alive. He writes of hope, mutual support, practical skills, organizing, and learning to live with contradictions – things people are actively working on at, for example, the upcoming Slow Living Summit. ”Survival is a team sport,” he writes. One theme he mentions is the fact that Americans are currently migrating into the big cities and losing many rural skills, ironically at a time when we may need such skills again soon, more than ever. If this great de-skilling continues and the ability of cities to provide for their citizens’ needs falters for whatever reason, imagine the desperation of large numbers of people as they migrate again or throw their trust into the hands of a populist or despot?

Yet his tone, while troubled, achieves an optimism that indicates to me that the fire behind Ecotopia never died:

And yet, despite the bloody headlines and the rocketing military budgets, we are also, unbelievably, killing fewer of each other proportionately than in earlier centuries. We have mobilized enormous global intelligence and mutual curiosity, through the Internet and outside it. We have even evolved, spottily, a global understanding that democracy is better than tyranny, that love and tolerance are better than hate, that hope is better than rage and despair, that we are prone, especially in catastrophes, to be astonishingly helpful and cooperative. We may even have begun to share an understanding that while the dark times may continue for generations, in time new growth and regeneration will begin. … It is never easy or simple. But already we see, under the crumbling surface of the conventional world, promising developments: new ways of organizing economic activity (cooperatives, worker-owned companies, nonprofits, trusts), new ways of using low-impact technology to capture solar energy, to sequester carbon dioxide, new ways of building compact, congenial cities that are low (or even self-sufficient) in energy use, low in waste production, high in recycling of almost everything. A vision of sustainability that sometimes shockingly resembles Ecotopia is tremulously coming into existence at the hands of people who never heard of the book.

It’s in the latter, semi-edited part of his essay where the fires re-emerges white-hot. This is no hazy idealism, murmuring of a happy ending:

Now in principle, the Big Picture seems simple enough, though devilishly complex in the details. We live in the declining years of what is still the biggest economy in the world, where a looter elite has fastened itself upon the decaying carcass of the empire.

He goes on: carcass; maggot class, Karl Marx; violent plutocratic rule… A massive piece of our challenge is without a doubt political, and it is here where our times may become most “exceedingly difficult.”

On the secession theme, one of the questions he leaves us with is, “How would a relatively rational part of the country save itself ecologically if it was on its own?” In a time of criminal mendacity by right-wing politicians and corn-pone theocrats [recently noted elsewhere: "theocons"], this is a question that many in the better-informed, more progressive parts of America are surely asking with growing frequency.

I am sorry you will no longer be here with us. But your thoughts and words will be.

Thank you for your work, Ernest Callenbach.

1, 2, 3, Puke

Mon, 05/07/2012 - 9:07am

Europe may soon be choking on that plat du jour of government a la Hollandaise with the side of chopped Greek salad. The whole world, in fact, has got something like a giant hairball stuck in its craw. The hairball is composed of filaments of lies wound over a core of supernatural indebtedness. The lies are promises that the debt will be paid back.

For two months the financial markets have gone sideways on a cushion of the European Central Bank's Long term Financing Operations and the hot air of austerity chatter. The illusion of remaining airborne may dissolve now with the Hollandaise denunciation of Franco-German team spirit while a centripetal vortex of unpaid obligations sucks notional wealth through the event horizon of massive deflation.

Things are heating up, in other words. Wake up, sleepyheads! Welcome to the rest of the year 2012.

Paul Krugman, the Nobel Prize winning Professor of Economics and International Affairs at the Woodrow Wilson School of Public and International Affairs at Princeton University, Centenary Professor at the London School of Economics, and op-ed columnist for The New York Times, is so amusing this morning. I, too, almost upchucked my "Paleo" diet breakfast of salmon hash with four eggs (pas de Hollandaise). Krugman writes in his column:

What's wrong with the prescription of spending cuts as the remedy for Europe's ills? One answer is that the confidence fairy doesn't exist -- that is, claims that slashing government spending would somehow encourage consumers and businesses to spend more have been overwhelmingly refuted by the experience of the past two years. So spending cuts in a depressed economy just make the depression deeper.

What an excellent misrepresentation of reality by one of the official molders of public opinion and policy in this exceptional land. I would attempt to debate his statement above that spending less government money is proposed to encourage consumers, blah blah. It is proposed because government doesn't have the money to spend and has run out of the ability to borrow more money due to the bad odor now wafting off the world's compost heap of sovereign bond paper. Everyone is going broke simultaneously, including putative lenders, i.e. buyers of bonds, who are the same ones selling them.

I like the way Krugman avers offhandedly to the concept of "depression." I believe this is a new thing for him to admit a certain absence of "green shoots" on the spring economic scene. Heretofore his halftime act between two presidential terms has been sheer cheerleading, but I guess he forgot to bring his pompoms to the office yesterday. I would refer to the situation as something more severe than a "depression," which merely suggests a valley between peaks. I would say that we are instead out on the arid buzzard flats beside the deep blue sea where modernity is shortly to drown itself in a fugue of suicidal bad faith.

All of which is to say the pretense that has reigned since 2008 (viz: "recovery") may not float through the rest of 2012. Surely in the USA, we are approaching a dark inflection point where the fall elections collide with the broken promises now gathering into the shitstorm vulgarly called "Taxmageddon." The event horizon for that extravaganza of financial lightning strikes is officially January 1, but the effects will be felt long before that as households, businesses, pension funds, municipal governments, and various branches of the US military prepare to roll over and die.

Enjoy the European sideshow for now because the roustabouts are still setting the props for act in the center ring. When the clown cars pull into the political conventions this summer, I would like to see these circus troupes greeted by large and lively mobs of furious citizens hurling objurgations at the likes of Barack Obama and Willard "Mitt" Romney. This is probably the least we can do to register some objection to the two useless parties' way of running things. Also, by the way, I would wonder what the generals over in the Pentagon will think (or might do!) as they see their country fall to tatters.

A Thought Experiment with Vermont's (and America's) Future

Sun, 05/06/2012 - 11:09pm
Topics>

What a year it has been.  If we think back to just over a year ago… perhaps 14-15 months … what of major importance has happened or changed?  What had we never heard of in early 2011, yet seen emerge as an important and even world-changing event or theme of the year since?

Here are a few items:
- The Japanese tsunami and nuclear catastrophe
- The Arab Spring, civil war in Libya, the Syrian civil war…
- The European sovereign debt meltdown
- The devastating tornado outbreaks in the US Midwest
- Record-breaking flooding and tropical cyclones in Australia
- Record-breaking Mississippi floods
- Wildfires and droughts in the US Southwest
- Hurricane Irene’s destruction in the US Northeast, especially Vermont
- The Occupy movement
- The consequences of the Citizen’s United decision (decided 1/21/2010)
- The bankruptcy of Eastman Kodak
- The hottest March in US history, all over the Lower 48

It has indeed been a busy year.  I hope you’ll pardon some loss of momentum in my completion of Inter States, a novel of Vermont's and America's future I began posting in installments in Vermont Commons in 2009.  Of course, I have been busy myself.  My job, my wife’s work, and an active young family brim life in ways you all know.  But Hurricane Irene hit very close to home – my wife’s workplace was abruptly an island (fortunately equipped with flood gates) on that landscape-changing day back at the end of August – so weeks of relief and recovery ensued.

Then the Occupy movement arose, resulting in sudden new projects like The American People’s New Economic Charter (now dormant) and OccupyMBA.com (very much alive).

At least I didn’t have to shovel much snow this past winter.

But how’s a body to work steadily and tranquilly on an alarming scenario of the future when a more alarming present keeps inserting itself into one’s consciousness?  (This is what I have meant all along by “severity creep”.)
There’s a temptation to keep turning up the volume of future disruptions as one’s baseline keeps escalating.  As I joked to a friend recently, pretty soon I am going to have to move into sci-fi hyperbole just to keep Inter States plausible.  Aliens and stuff…  NO!  Just kidding.

Nonetheless, I shall persevere.

FYI:
The whole novel is now available in a more convenient wiki form, and I have also launched the new WordPress blog site for convenient discussions, posts, etc.

I encourage you to “follow” the WordPress blog, and “Like” the Facebook page.  I plan to use all of these channels for Inter States communication, along with the @InterStates2040 Twitter account and, of course, Vermont Commons.

Meanwhile, the next installment should be ready later this month.

Thank you for your encouragement and patience, and please pass this around to people you think might be interested!

Onward!

Ralph

Hundreds Brave Rain as May Day Marchers Descend on Montpelier

Sat, 05/05/2012 - 4:57am

 

MONTPELIER- A rainy Tuesday morning was not enough to deter the huddled masses yearning to breathe free as more than 500 people marched on the state Capitol to collectively demand that legislators “Put People First.”

Organized by the Vermont Workers’ Center, a coalition of organizations such as Migrant Justice, 350.org, the Vermont Federation of Nurses & Health Professionals and Mobile Home Residents for Equality and Fairness; the day began with a rally upon the steps of City Hall before proceeding up State St towards the golden dome. Featuring performers such as the False Solutions Circus and the Bread & Puppet Theater Co., the rally drew in red-shirted citizens from every county as they united behind the “Put People First” campaign spearheaded by the VWC.

Demanding that the well-being of Vermonters become the State’s No. 1 priority, the campaign’s aim is to “win social and economic justice by connecting a series of strategic grassroots organizing campaigns and building power for working and low-income people” according the VWC’s website. In addition to critical organizing and networking the campaign also includes the “People’s Budget” which asserts the right of all people to education, housing, healthcare, and dignified work as it pointedly criticizes the State for cutting vital public services instead of raising new revenue from Vermont’s 1% in order to meet the fundamental needs of all people in the Green Mountain State.

 

Members and supporters of Migrant Justice rally on the steps of City Hall

 

This bread and roses campaign at the heart of the VWC and the variety of other Vermont organizations has been given an overwhelming and undeniable boost by the emergence of the Occupy movement as a decisive and increasingly influential factor in global, national, and state politics. Still riding the David Graeber coined slogan “We Are the 99 Percent”, Occupy’s re-emergence this spring witnessed protesters taking to the streets not only in Montpelier, but in dozens of cities around the world, including Montreal where more than 300,000 students continued their months long strike with a rally that stretched dozens city blocks.

After the march and rally, those who lingered under the slate-grey skies were invited to serve as the jury for a special people's "court" to put capitalism on trial for crimes against humanity.  Witnesses and prosecutors presented their arguments on behalf of the environment, women's issues, and immigrant rights.  "Capitalism", bedecked in a black suit, tie, and Uncle Sam style top hat, looked on unblinkingly and showed remarkably little remorse when the jury unequivocably pronounced its verdict: guilty as charged.  Capitalism was promptly bound by the wrists and taken away.

 

 

In a speech from the podium in Montpelier, Sen. Bernie Sanders summed up the energy, passion, and anger of the marchers in the Green Mountain State and elsewhere as they yearned for student debt relief, health care, environmental protection, and the rights of migrant workers: “We do not want to continue having the dubious distinction of having the most unequal distribution of wealth and income of any major country on earth. We need to… make sure that all people in this country can live in dignity and with justice.”

 

 

 

 

 

Sen. Bernie Sanders speaks from the podium as hundreds gather on the Capitol lawn

 

 

 

"Down the Democracy!!! I win!!!" proclaims a peformer in the False Solutions [to the climate crisis] Circus as they perform from the steps of City Hall

 

 

 

 

 

 

For more photography by Dylan Kelley, visit his blog here.

Listen here to a recent podcast about Migrant Justice.

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