For those of you hoping to continue ...
FONDL
For those of you hoping to continue clubbing after you retire, be advised that the IRS really screws retired people. If you're planning to supplement your income with your 401k, think again. The marginal tax rate on 401k withdrawals can be as high as 50%, even if your income is fairly modest. How can that be? When you make a 401k withdrawal, you not only get taxed on it (unless its' a Roth IRA) but the additional income (yes it's considered additional income even thought it's supposedly already yours) increases the amount of your Social Security that gets taxed. So in effect it gets taxed twice. And your marginal tax rate is higher than a working person whose income is much greater than yours. Now that's what I call fair. And do you think it's going to get better once Hillary takes over? Now you know one major reason why I don't go clubbing anymore.
32 comments
I am however getting a refund this year, which I plan to blow on strippers.
If I'm wrong, forgive me, I'm just another one of the typical American misinformed, thanks no doubt to CNN. I don't care about Britney's new hair cut, though, so at least I'm one step up on my competition. :)
From where I stand, my interest is in "educational training." I've been (in some way or another) outside of a lucrative field all my life, trying to get into one, and denied the opportunity. I have a college degree and a master's, thing which cost me HEFTILY out of pocket for a school which, in (for example) Germany, would have been FREE. I always wanted childhood training in a systematized method in two things -- the opportunity to play professional sports, and the opportunity to play jazz clarinet. In a socialized system, each one of those talents would have been identified early and perhaps fostered. Here, because my parents weren't wealthy, my talents went to waste. Heck, I was my High School's most valuable player in my sport; how many kids in Germany who get that accolade don't get looked at by at least a minor-league scout? But in the US, there's this "you have to hustle in order to beat the system" mentality about all systems, and as a 14-year-old I didn't get anyone to help me start hustling. So, I see a lot of adults who, as 14-year-olds, had a mentor help them hustle, who have the jobs I could have gotten if I'd had their mentor -- has nothing to do with me, but because I had the misfortune of living in a non-systematized location, I took the punishment for the failures of a previous generation. So I look for things to improve in the future, by allowing a set-up to help and foster the talented, which is something we DON'T do in the USA. It spooks me. My country deliberately fosters false and perverse incentives, reducing the success level of most talented people, unless their talents are in ONE field only: financial speculation. It appears in a variety of forms, but it's likely a death knell for our culture. No surprise we're so misinformed about Iraq or taxes or both ...
AN, you've hit on what I consider to be the fatal flaw of democracy. Namely that most people don't much care about politics but those who do invariably want government to do more not less. And elected officials of both parties come from this small latter group - people who believe in government and want government to do more run for office; people who think government sould do less aren't very interested in government and don't run for office. Which creates a built in bias in favor of more government. So governemnt keeps getting bigger even though the vast majority of the public would much prefer that it shrunk. I think eventually that's going to lead to a huge conflict in the US.
I'm a card-carrying Libertarian. I'll bet most of you would be, if you knew what that meant. Problem with that is, just the same as FONDL says about democracy as a whole, it has a circular argument ensconced within it. For Libertarians, here's how it goes: if everyone were as smart and as responsible about civic duty as most members of the Libertarian party are, then society would work fine. Problem is, most people aren't smart enough or responsible enough to control themselves. So, Libertarianism in government generally tends to work only among those people who wouldn't have needed government in the first place. In other words, those who would need to be controlled might not see much control imposed on them, while those who would not need to be controlled might suffer under greater exercise of governmental control, if truly "laissez-faire" approaches to government and economic policy were enacted. The drug-dealers and child molesters aren't going to sign up for political parties, whether those are pro- or anti-control; but it's THEM whom we most need to teach some responsibility and civic duty.
Same circular argument, applied to Libertarianism instead of to Democracy. It just comes down to human nature, perhaps. Was Hume right? Are we all just in it for ourselves?
Nice point about Social Security, FONDL. Boomer weight may indeed reverse those changes, hand't thought about that.
fucking
... work all goddamned day.
I agree on the Be-People versus Do-People dichotomy. I think we all have it in us. I think of myself as a Do-Person, in fact, and I do spend a great deal of time volunteering and not asking for accolades from it. More so than the average Pelosi-Crat, I'm sure -- I agree that many, if not most, of them are doing their left-wing act in order to be show-offy.
Problem I have with that analysis is, that showing off IS what politics is all about. I dunno that ALL left-wing voters are necessarily against personal responsibility, for example, or that you can really go that far with a bumper-sticker game. Most of the Republicans I know may be Be-People -- that much is good -- but they also insist that *I* not only be a Be-Person, but also that I be one JUST LIKE THEM. If you're born gay, DON'T be. If you're interested in inter-racial marriage, DON'T do it. If you want sexual activity with a variety of females out of wedlock, DON'T do it. Be a Be-Person and serve your fellow man with good works, sure, is what they say; but also toe the hard line of a traditional, non-creative, regimented lifestyle which is much more about their right to control me, than about their insistence that I perform good works. It's not about volunteering to fix houses after Katrina (which I do most of the day); it's about making sure their day is hidden from a variety of types of humans so that their hatred of "the other" is accepted. They tend to wish to damage and avoid those of us who are different -- in sexual preference (a biological fact that cannot be changed) or in skin color or in income level. That might be a Be-Person, but it's a hateful one. They only approve of those of us who "Be" like THEY are Being. White middle class fundamentalist christian work ethic nuclear family ...
It might be good for them. But why must they impose it on me?
We live in a democracy. If they don't appreciate variety they can go found a fascist nation elsewhere, that's their prerogative. I might even join them.
The one thing I would add to your characterization is that people vary greatly in how they define "doing something" or success. For some it means making a great deal of money, for others it means building a successful company or creating a great work of art, but for most people it means raising a family, obeying the rules, staying out of trouble and doing their part for community, church etc. I think these are the real heros in our society - the people with the big goals could never accomplish them without the support of these "little people."
I've always found it puzzling that senior executives (at least the ones I've known) assume that everyone in the organization has the same goals as they do of getting to the top. Can you imagine the chaos that would result if that were true? The main reason an oranization functions well is because most people in it are content with their lot.
The bible says "the meek shall inherit the earth." In my opinion they already have. They are the happiest and most successful people in the world.
BG, I didn't mean to imply that conservatives are all "do something" types. In fact I see now I was a bit remiss in that I should have been even more specific. The unfortunate consequence of extreme editing is that the context is sometimes stripped. When I originally referred to conservatives as "do something" types it was in the context of those willing to put aside private pursuits to run for office. Lately I think liberal POLITICIANS are largely in the "be something" camp. Your phrase "showing off IS what politics is all about" contains an unfortunate truth. Mass media and marketing have MADE politics about image, and I feel the left and liberal politicians, largely through a sympathetic press and academy, have played that game a lot better since Kennedy in 1960. I think the proof of that lies in the fact that when Republicans started using Kennedy's speeches in their campaign commercials the Democrats were incensed. Kennedy was a cold warrior, foreign policy hawk, anti communist, tax cutter, only slightly to the right of Nixon. When Republicans pointed this out the reaction was, at least to me, amusing. What Kennedy said, the Democrats argued, didn't matter, what mattered was that he was a Democrat. Forget the substance, remember, handsome popular president, Camelot, Democrat. Nixon, Watergate, corruption, Republican. Image.
I'd also contend that you reinforce my thesis to an extent, given the caveat above.
FONDL, I agree that people greatly differ on what constitutes "doing something". Again, probably too much editing, BG, I'm having a lot more sympathy for your long form lately. As mentioned above, to a great extent I was referring to a political reflection where the image of "being" for the right (as in correct) things seems more a feature of the political left, i.e. PC.
Lastly, FONDL, I think you've hit on something that used to be understood in this country, that it isn't necessarily true that everyone wants the same thing. I also think this tends to be a more recent mass media creation of "success" that hasn't permeated society as deeply as some people think.
More later, but feel free to pick apart this post too.
I'm looking at a special about Islam right now, this young woman in Canada is basically speaking out about the oppression and backwardness of the fundamentalist Islamist terrorist types who are ruining her religion the world over, and I wonder ... do I really have the room to complain about oppression here in the USA?
On the one hand, we basically have more civil liberties here than anywhere else, at any other time in human history. Want to write a book about slaughtering Jews and sell it to children? Go right ahead! Want to teach strangers how to blow up the government? Go right ahead! It's all PROTECTED. So it's danged silly of me to worry about mild social conservatism like the sort that doesn't want the word "marriage" applied to certain groups. It's just a word, yeesh. They can still run their web pages ...
But on the other, if the free side of the world doesn't constantly struggle against the repressive side, why would we bother to claim to be free in the first place. This young woman can't stay in Pakistan to write her books about peaceful, air-conditioned Islam. So I think, golly, if you have freedom, you should use it, as Rushdie advises her. Don't just take it for granted, and certainly don't ignore it and go about your daily life as though nothing's wrong if you do think something's wrong.
That much, I think we all agree about. As Tom Paine said, when all else is said and done, a man will fight for nothing else as much as for his right to complain. :)
"On the one hand, we basically have more civil liberties here than anywhere else, at any other time in human history. "
But I don't quite understand this;
"But on the other, if the free side of the world doesn't constantly struggle against the repressive side, why would we bother to claim to be free in the first place. This young woman can't stay in Pakistan to write her books about peaceful, air-conditioned Islam. So I think, golly, if you have freedom, you should use it, as Rushdie advises her. Don't just take it for granted, and certainly don't ignore it and go about your daily life as though nothing's wrong if you do think something's wrong. "
Are you actually saying that we should make a moral judgement that a society, such as ours, that allows freedom of speech and religion, but where individual citizens may express (nonviolently) their disapproval of others is somehow "better" than one where with government approval women are stoned to death for being raped, hanged for going to school, and where one can be punished for NOT practicing the proper religion, where there really and in the most literal sense IS a theocracy?
You think morally a free society is BETTER than a repressive theocracy?
If you are, then my answer is yes. I would expect 99.9999% of TUSCL members to feel similarly, so it shouldn't be a surprise and is hardly worth asking. In addition, I don't see how that question derives from the quotation you make of my earlier statements.
Were you just being ironic?
I think that transition is true regardless of the type of organization. It's true of governments, of businesses, of organized religions and other nonprofits, etc. For example. look how far the Catholic Church has strayed from the original teachings of Jesus. Or how far our government has drifted from the ideals of the original founders.
I'm especially conscious of this change taking place in large businesses, having spent most of my career there. The changes that have occurred in business in my lifetime are both interesting and informative. I got an MBA back in the early 1960s, long before it became fashionable. The philosophy of business taught then was that a business has 4 groups of stakeholders (in order of priority): customers, the communities in which it operated, employees, and finally the owners. If the business did a good job of serving its customers, if it was a good citizen, if it provided job growth and treated its employees fairly, then the owners are entitled to a reward. Profitability was a measure of how well you did meeting the objectives, not the objective itself.
In the 1970s that philosophy was turned upside down. Profits became the objective, not the reward. They became the first priority. You can see this changein how companies are managed (speaking now mostly of manufacturing organizations.) In the 1950s companies were headed by engineers and the product was the primary focus. Then in the 60s marketing was discovered and companies were headed by marketing guys and the focus was on the sizzle not the steak (and product quality fell sharply.) But the marketing guys spent too much and profitability fell, so along came the accountants whose focus became cutting costs. And today they still hold sway, along with the lawyers.
What's interesting about all this is that as the focus increasingly shifted from product to profit, profits fell. That's because accountants only know how to cut costs, which may boost profits in the short term but often mortgages the long term future. (I can still remember my first accounting prof on the very first day of class telling us that accounting is good for one thing only - telling you how you did after the fact - and to never let an accountant tell you what to do because they aren't trained to do that. If only business heeded that warning.
I think non-profit enterprises are extremely prone to this phenomenon. Most start with one man or woman, a dream, and a lot of energy. Then they move on to bureaucracy.
Life, in general, is a self-perpetuator. The notion of being a replicating device is more important than being a GOOD PERSON, biologically speaking, for humans.
As far as the Be-Do dichotomy, I think it's a fairly intelligent way to think about people, to put them on a useful "matrix" for certain analyses. As with any generalization, there will be flaws and rough edges that don't fit.
I once saw a website about some kind of "anti-marketing" theory. It was basically economic history, but from the point of view of a non-economist. The dude knew a lot about European history -- the invention of double-entry book-keeping, and the growth of printed and minted currency, and so forth -- and pointed out the economic slumps that inevitably followed the growth, in certain eras, of marketing and advertising. He had historical parallels to marketing -- people wanting to dress like the king, for example, despite its obvious lack of utility -- and the statistics to back it all up. Your four-fold stakeholder point, FONDL, suggests to me your thinking was right in line with his.
I wish I could find that website. It was quite smart, well put together, and seemed pretty much right. We are marketing ourselves to death.
I think one of our problems as a country is that we are increasingly becoming a nation of me-oriented "be-somethings" while there are fewer and fewer other-oriented "do-somethings." And that's because the former are often paid more. MBA students are taught that their first priority is to themselves, managing their own careers, when is the opposite of what I was taught. Today when a conflict arises between what's best for the company and what's best for the individual, managers choose the latter course. And companies suffer. When I graduated from college, the brightest students went to the biggest companies; today it's the exact opposite.
And I think this discussion is on topic, because it relates directly to one's ability to retire on favorable terms.
Well I was attempting to, unsuccessfully apparently. I thought it was over the top enough to be plain. I know you're not a big fan of postmodernism, thought you might get a kick out of it. I also think that sadly there are many people on the left who while they would never want to live anywhere other than America will indignantly declare that we are the driving force behind all the worlds problems. A sort of post modern Stockholm syndrome.