Sunday, November 13, 2011

Job Creation Incentive


Politicians talk about providing incentives for job creators or reducing tax burdens for job creators.  Why should reducing taxes provide incentive to create a job?  In the not too distant past, my business partner and I hired some people to help us complete our project contracts.  Apparently, the act of hiring people made us job creators.  Interestingly, a reduction in our tax burden did not enter into the decision to hire help.  Actually, a tax increase was expected because we anticipated greater business revenues, which we hoped would result in greater profit for my partner and me.   

This type of job creation was expected to be good for our business.  Our employees expected to earn money to pay their bills and enjoy their chosen life styles.  The taxes that we paid contributed to the tax revenues of local, state, and federal governments.  It isn’t as though we enjoyed paying taxes, but we expected to pay them and accepted this as contributing members of our society.  We didn’t become wealthy from out endeavors, but we did seem to be making a living from the arrangement.

With the help of our employees, we were able to take on projects that my partner and I could not have done with the same ease, speed, and efficiency without the help of our employees.  Not always, but some of the time our company showed a profit over our cost of doing business which probably resulted, at least some of the time, from the efforts of our employees alone.  This is a normal occurrence and it would seem to be the greatest incentive to expand the work force of many businesses.

Business owners and employees don’t just contribute to tax revenues; obviously, they contribute to the economy at large by paying for housing, buying groceries, buying cars, etc.  This demand for goods and services creates business opportunity which results in demand for labor (more jobs).   The taxes generated by this economic activity can then be used to provide public goods and services like roads, parks, libraries, police services, fire protection services, schools, military defense, etc.

When tax reduction is offered as incentive to create jobs it does benefit the general economy in the way just described.   A bigger slice of the pie has been allocated to one group of people at the expense of others in the economy.  Some tax break legislation does not even require proof that new jobs were actually created.  Unfortunately, many times it is only the wealthiest people in our society that are able to benefit from the tax breaks offered as incentives to create jobs.  Corporate lobbyists have convinced politicians that only large corporations can improve the economy and that the public, the 99%, must pay to make this happen.

Consider why businesses exist.  Most small businesses exist for the purpose of providing a living income for their owners.  Profits beyond the living income or living expenses are secondary to the purpose of the business.  Large corporations exist to create profits beyond expenses.   Which type of business benefits our economy the most, one that pays its own way or one that requires society to pay it to operate?

Sunday, November 6, 2011

Bank Transfer Day in Rapid City

It was a considerably cooler at the Main Street Square location of the Occupy Rapid City protest on Saturday, November 5.  The participants didn't appear to mind the cooler temperatures; many of them were focused on their planned march to two big bank branch locations.  After some very good soap box speeches, protesters began to move in the direction of the banks.  A short pause in front of the US Bank location allowed for the group to collect some stragglers.  At the Wells Fargo bank location some marchers expressed their discontent with treatment they received as Wells Fargo customers.  Bank fees and interest rates caused these customers to seek redress from the bank for these increased and unfair charges.  However, it was the manner in which the bank handled the petitions of these customers that resulted in the withdrawal and movement of their deposits to credit unions.

On this chilly November day the bank responded to the marchers by calling the police department to have them deliver the message that protesters would be arrested for trespass, should they return to Wells Fargo property.  One of the protesters asked the messenger police officer if she would be arrested for trespass since she, at least for the moment, was still a Wells Fargo customer.    Although the police responded with several cars and police officers, there was no confrontation between the police and the protesters.  Several of the protesters thanked the messenger police officer for her service and consideration.

Sunday, October 30, 2011

ORC Saturday October 29, 2011

Last week I was asked a question while enjoying my position standing on a street corner Occupying Rapid City. Unfortunately for me, I was not prepared to give a thirty second, recoreded answer to the question about why I was there holding up a sign. The lack of preparation is at least partially the result of too many possible truthful answers and not considering the likelyhood of being asked the question. Earlier I posted an observation about observers' confusion about the Occupy movement. The inability to respond to the simple question of why was I there adds to the confusion. The following list provides a better answer to the question:

Why am I occupying the streets of Rapid City?

• To raise awareness of the negative impact on society resulting from the actions of large corporations.

• To call for accountability for the persons and entities responsible for the economic crisis of 2008.

• To raise awareness of the negative impact of extreme wealth disparity in the world.

• To encourage the immediate withdrawal of the US military from Iraq and Afghanistan.

• To urge campaign finance reform through the exclusive use of public funds.

• To urge the restoration of the Glass Steagall Act of 1933.

• To support the protection and continuation of the current Social Security and Medicare benefits and rules.

• To support eligibility for Medicare insurance for all Americans.

• To support the elimination of taxable income cap for Social Security and Medicare taxes.

• To call for a reduction in military spending and national reassessment of the role of the military.

• To urge the reinterpretation of the privilege of the writ of habeas corpus as it was prior to the Antiterrorism and Effective Death Penalty Act of 1996.
 
• To encourage actual political dialogue.

Saturday, October 22, 2011

Occupy Rapid City, 2nd Saturday

It was another fine day to be out on the streets of Rapid City participating in the Occupy Rapid City movement. There were some new faces behind some of the signs that express the views of the protestors. Today was also and opportunity to meet some new people and to appreciate the support of passers by. There continues to be a great deal of apparent confusion and mystification on the part of detractors as evidenced by their inability to determine just what it is they are against in this movement. Apparently, those most mystified persons have not discussed the issues with the participants or spent much time reading the protestors’ signs. Perhaps those tasks are too difficult or they require too much thought. Check out the MadvilleTimes for some comments by participants and a few pictures of their signs. For more pictures of the protestors and their signs go to Occupy Rapid City.

Saturday, October 15, 2011

Occupy Rapid City

In this nation of sheep a strange thing has occurred. People have been speaking out in protest without the benefit of leaders. Pundits have been having trouble creating a united front against this phenomenon. How can they criticize that which is not organized and highly focused? The news media is under-reporting on the protests it appears, largely because they don’t know how to collectively interview so many participants, especially when they insist on expressing their own, unscripted opinions.

Political parties have leaders. Unions have leaders. Religious groups have leaders. Corporations have leaders. However, the Occupy Wall Street group and other Occupy protest groups just have participants. What do you do with that, especially when it starts to grow and show up in numerous places around the country and the world? People participating in this protest appear to be thinking for themselves and voicing their own opinions, unheard of.

I like it.

Thursday, February 17, 2011

We care about one another in South Dakota

Many people in the state of South Dakota are concerned with the health and welfare of their friends and neighbors. This concern is outwardly evidenced by posted signs, verbal admonitions, and governmental ordinances or laws. This does not imply that South Dakotans are the only people concerned with the health and welfare of their fellow human beings; of course not. However, as a resident of South Dakota, I am more familiar with local social conditions within my home state as opposed to the social concerns of people in the other forty-nine states. So while addressing this topic, take note that the observations expressed here may not pertain to other localities or other people.

The order or organization of this writing does not imply any specific priority or importance to the examples used, and the descriptions are subject to the personal interpretation of the writer. Consequently, the reader may assign priorities and disagree with the writer with all due freedom, the writer does not ask that anyone adopt his views, nor does the writer intend to coerce changes of opinion. The reader is fully responsible for any alteration of their own opinion after reading what is written here.

When visitors and residents drive South Dakota highways, they may notice posted road signs that show how concerned we are here for the health and welfare of others. Who hasn’t at least noticed a sign informing the viewer that they should buckle up? Of course, to avoid confusion, the buckle referred to is many times visually depicted by the figure of a person safely secured by a modern day vehicle seat belt.

Another frequently viewed road sign is intended to inform drivers that they are required to change driving lanes, if necessary, to give a wide berth to emergency vehicles stopped along side the road. A similar reminder not to litter can also be seen in numerous places around this state and not just along the roads and highways.

Operators of vehicles with dynamic braking systems may have noticed that South Dakotans are concerned with preserving peace and low noise levels in specified urban areas. We, apparently, believe that town and city dwellers need quiet places to be lulled to sleep by the normal sounds of tire engine noise.

We are also concerned with unlicensed weaponry. This type of item is not welcome in our schools, court houses, or shopping establishments. However, we like to have them close at hand everywhere else, just in case we are called upon to dispense a little self defensive or public protective justice. Rather than risk an inappropriate impression, let it be known that the author owns a permit to carry a concealed weapon, although the permit is now expired. The expiration of that card does not change the gun ownership or gun carrying views of the holder, however.

Smoking here is less socially popular than it once was. Smokers can still smoke, but restrictions to that form of consumption apply to more places than ever before, thanks to South Dakota law. Drinking of alcoholic beverages is also restricted, but we are more used to that, so people don’t resist it quite as much as we once did. We are also required to wear clothes in most places, although the definition of what constitutes cloths changes with the time of year, the municipality, and depending on which group is enjoying a rally in the state.

Recently, we have become concerned with cell phone use as it applies to people operating motor vehicles on public roads. Most of us seem to agree that texting with a cell phone while driving, is at least somewhat distracting enough that it may interfere with safe operation of the vehicle. We are concerned enough to be working on passing legislation that would ban the practice of texting while driving. It is not clear to this author if that also applies to reading text on a cell phone since it appears that the legislation will stop short of making it illegal to talk on a cell phone while driving. Dialing a phone number apparently will be okay too, so there are some things that need to be worked out with regard to cell phone use by drivers in South Dakota.

Without trying to start any argument, it is noted here that we South Dakotans are particularly interested in the health and well being of human females. Very specifically, we are concerned about their sexual activities and their procreative activities. With regard to male human beings and the same specific activities, we are concerned not so much. The level of concern we express and relating to their activities is the same for humans of the same sex who participate or would like to participate in the activities just mentioned. Our current laws and numerous proposed laws reflect this tendency toward the concern for others.

We are also concerned with health care insurance. If you have health insurance, then that is an example of part of the greatest health care system on the planet, regardless of what it costs. If you don’t have health insurance, then it probably means that you don’t deserve it and you should go live in another country. We believe this so vehemently that we have joined in a lawsuit against the federal government that has attempted to create a system that costs less, insures more people, and has the audacity to require everyone that benefits by the health system to pay into it, if they can. Obviously, that is a good plan for a national park system or a plan to improve upon public schools, but it is government intrusion into my right to go bankrupt from medical bills that exceed my ability to pay. What we South Dakotans demand in a health care reform bill is that it keep insurance and drug companies in business and able to adequately fund Congressional campaigns.

In a February 10, 2011 letter from the U.S. Congressional Representative from South Dakota she wrote that she supports a “plan that covers people with pre-existing conditions, allows those under the age of 26 to stay on their parent's policy, and permits small businesses to pool together to purchase health insurance at a lower cost. . .” It appears as though all of those things are included in the legislation she just voted to repeal, however, that is just an example of how people who have actually read the Patient Protection and Affordable Care Act are trying to confuse the issue with facts. In South Dakota, we care enough about you to keep you safe from having to accept affordable health care insurance provided by the federal government. We leave this sad and arduous duty of accepting government health care insurance to people like U.S. Representative Noem.

We like education. We like it cheap. We like the reading, writing, and arithmetic, but we’re not completely sure that they are necessary beyond the eighth grade. We like education best from first through the eighth grades and require by law that much public education for our children. For the time being at least, we will continue to publicly educate our children at the expense of the taxpayers through the twelfth grade. We do not require any specific level of education or evidence of measurable intelligence for voters or our elected officials.

This list of concerns for others could go on and on, but that would not serve the purpose of the writer. This writer has an agenda. There is a concern for others that is not being properly addressed in South Dakota. Some people are unaware that it is being blown over and ignored as if it were unimportant. When are we going to wake up and realize the degree to which ear bud application is continually, albeit perhaps unintentionally, abused?

Notice if you will the markings on the ear buds that you may have in your own home. If you don’t have a set, check with a neighbor, their children may have several sets. There is a left and right ear bud, usually denoted by the letters L and R. How many times have the users of ear buds, installed those buds in their ears, without observing the associated markings and, thereby, improperly inserted the L bud in their right ear and vice versa? South Dakota Representative Hal Wick, where are you? If you aren’t too busy ensuring that all South Dakotans are adequately armed, please seek out your fellow legislator, Representative Roger Hunt, from wherever he is researching more, all important, vagina legislation. Certainly, together, the two of you can draft some meaningful legislation to purge this insidious threat to the health and well being of current and future generations of innocent South Dakotans.

Sunday, February 13, 2011

Commuicating with my Congressional Representative

One of the political groups that I subscribe to recently asked me to send a letter to my U.S. Congressional representation. The organization provided a form letter urging that Congress persons that voted to repeal the health care reform act, follow through with their action by rejecting the government provided health care they receive. The U.S. Congressional Representative for South Dakota, Kristi Noem, responded to my form letter with a form letter of her own. Most of the letter was comprised of an explanation as to why she was not going to reject her government provided health care. She also explained:

I support repealing the health care law and replacing it with common-sense solutions that will lower health care costs, expand access, and not break the bank. I support a replacement plan that covers people with pre-existing conditions, allows those under the age of 26 to stay on their parent's policy, permits small businesses to pool together to purchase health insurance at a lower cost, allows individuals to purchase insurance across state lines, and enacts meaningful medical liability reform.


This struck me as odd, since she just voted to repeal a law that, according to the CBS network's website, included:
Insurance Reforms:

Six months after enactment, insurance companies could no longer denying children coverage based on a preexisting condition.

Starting in 2014, insurance companies cannot deny coverage to anyone with preexisting conditions.

Insurance companies must allow children to stay on their parent's insurance plans until age 26th.
Health Insurance Exchanges:

The uninsured and self-employed would be able to purchase insurance through state-based exchanges with subsidies available to individuals and families with income between the 133 percent and 400 percent of poverty level.
Separate exchanges would be created for small businesses to purchase coverage -- effective 2014.


In her form letter to me, it seems as though she was saying that these were common-sense solutions that would, in her words: "lower health care costs, expand access, and not break the bank."

In my reply to her reply I asked her to please send me a list of the dollar amounts associated with each item that you expect these ideas to save. This seemed like a logical question at the time.

When I wrote my reply to her reply I had not visited the CBS website yet so I asked her if items one and two of her listed solutions in the current legislation. It also seems that item three appears to be the very basis of all existing insurance, in that each insurance company pools the premiums of its policy holders and the premiums reflect the payments required to cover the shared risks of the insured beneficiary group.

Finally, I asked her if she could describe her idea of meaningful medical liability reform? This was a sincere request and not an attempt to trip up Representative Noem. I did not vote for her in the most recent election, but she is the only representative that I have in U.S. House of Representatives, so I will work with what I have.