American rage, multi-layered

 

IMG_1352

 

By Caitlin Kelly

Have you ever had a pousse-café?

It’s a drink that contains two to seven layers of alcohol, added by weight, to create a colorful array of stripes in one glass.

 

America’s rage is a pousse-café, with so, so many layers.

 

People are being tear-gassed and shot by police with rubber bullets.

Protestors, including professional journalists, have been targeted by police and permanently blinded.

Stores have been attacked and destroyed and looted, from mass market Target to luxury brands like Chanel.

Some Americans are appalled, astonished, gobsmacked.

Not me.

Not millions.

 

 

IMG_20170928_065852632

A classic image, taken by the late photographer Bernie Boston

 

 

There are so many layers to American rage now:

— the endless lethal parade of African Americans who are shot and killed by police (ooops, wrong apartment!) or hunted down by gun-happy civilians, and here are only a tiny few of them: George Floyd, Trayvon Martin, Ahmaud Arbery…

— the daily fears this has created, for generations, that simply being black, going for a walk, walking too fast or in the “wrong” neighborhood or wearing a hoodie or even birding in Central Park, is an invitation, as it is, for some people to wield their white privilege and entitlement and choose to endanger or end others’ lives.

— the “talk” every black parent has to have with their children, especially teen males, about how to walk through their lives on eggshells because so many others will choose to see their basic existence in the same spaces as a threat.

— the income inequality that has kept so many Americans at such deep disadvantage in a nation whose comforting myth is “just work harder!”

— the extraordinary costs of attending even a public university or college, acquiring massive debt that dogs graduates for decades, even as they drift into poorly-paid jobs that make it impossible to repay those loans, and loans that — unlike any other — cannot be discharged by declaring bankruptcy.

— health disparities that have killed many more people of color thanks to COVID-19 because POC have underlying health conditions (“co-morbidities” in medspeak) that left their bodies more vulnerable, like obesity, asthma, diabetes and high blood pressure.

— 100,000 Americans — with many more to come — already dead of COVID-19.

— a Federal minimum wage of $7.25 that has not been raised since 2009; only 29 of 50 states have made theirs higher, more than $11/hour.

— extortionate costs for health insurance.

— the loss of millions of jobs.

— the loss for millions of their health insurance coverage — because that’s how many Americans get the only coverage they can afford, when their employer picks up some of its cost (i..e. benefits.)

— widespread police brutality, even blinding permanently some protestors, including journalists

— a deep, abiding despair at the lack of political leadership, and shocking passivity on all sides, to address any of this.

 

It’s a drink that tastes very, very bitter.

 

Rights? How about responsibilities?

img_20160928_183329860

 

By Caitlin Kelly

The pandemic has laid bare many behaviors we didn’t really see clearly before, or not as clearly.

If you grew up — as I did — in a nation with a clear commitment to the common good, Canada (yes, with terrible treatment for a long time, and still, of First Nations) — the American fetish for individual rights just seems weird.

It’s possible to live freely and still actively care about others’ health and welfare.

If you want to.

There’s actually quite a continuum from being controlled and monitored 24/7 by your government and selfish, lethal mayhem.

Welcome to mayhem.

Check this out.…images of protesting Americans determined to keep infecting themselves and others because the whole social distancing thing is such a drag.

They feel oppressed.

They’re angry that they’ve been told to stay at home, to wear a mask, to stay distant from others to protect them.

Because the number of Americans potentially walking around feeling just fine — still  shedding virus everywhere they go — could be as high as 50 percent

 

Centers for Disease Control and Prevention (CDC) Director Dr. Robert Redfield told NPR that an estimated 25 percent of coronavirus carriers experience no symptoms. Meanwhile, data out of large-scale testing for coronavirus in Iceland found 50 percent of those who tested positive with COVID-19 said they were asymptomatic, according to CNN.

“Information that we have pretty much confirmed now is that a significant number of individuals that are infected actually remain asymptomatic. That may be as many as 25 percent.” Redfield told NPR Tuesday.

 

The American Constitution — amended 27 times since it was first written — promises “life, liberty and the pursuit of happiness.”

Sounds lovely.

It is lovely, except that 40,000 Americans have died  — so far — from COVID-19, a lethal virus whose ability to destroy the human body is quick, powerful and still little understood.

Twice the number in one week.

Read this chilling, detailed look at its whole-body effects from Science.

“Only” a tiny percentage, many scoff.

It’s all a hoax, right-wingers still insist — maybe because their cities don’t have refrigerated morgue trucks with corpses stacked three deep outside their hospitals, crematoria running 24/7.

New York City does.

How does this happen?

Because so many Americans really hate and mistrust any government intrusion into their lives and behaviors.

They resent being told what to do.

They think no one else’s life could possibly be more important than their going to the beach!

Sitting shoulder to shoulder at a bar!

Attending a church jammed with other selfish “Christians.”

Canadians, derided as boooooring, have a wholly different Constitution, one that instead promises “peace, order and good government.”

Pretty snoozy, right?

Not HAPPINESS!!!!!!???

Not LIBERTY!!!!!???

Right now, living in a country “led” by a lying grifter of a President, I’d be thrilled for some peace, order and good government.

How about you?

Water dripping on stone

IMG_5361

 

By Caitlin Kelly

I’ve always — imagine! — been impatient.

Have always hoped, somehow, my journalism would make a difference to the world, to its readers, maybe even to voters or policy-makers.

In my early 20s, I tackled a grim and difficult and important story, the testing of cosmetics and other products on animals. I won’t detail what I saw, but I never forgot it, and to see that as a young person is to be changed. I wrote it for a brave editor, the late and much missed Jane Gale Hughes, whose Canadian national magazine — as small in size and apparently unsubstantial as a TV Guide — was called Homemakers.

Its name was misleading, suggesting anodyne chitchat.

Quite the opposite!

Jane, extremely rare for any editor who hopes to keep their job, had to fight the advertising department because, of course, the advertisers of the products being tested would object and pull their lucrative ads.

The ads whose revenue paid her salary and my freelance work for her.

She ran my story anyway and I’m really proud of it and grateful for her belief in me as a younger journalist to produce it.

This tension between money and truth-telling never goes away.

In 2005-6, when I was a reporter for the New York Daily News, then the nation’s sixth-largest paper, I did a huge investigation of the cruise ship industry.

What I learned persuaded me to never take a cruise.

Of course, the editor refused to run my stories — for fear of losing their ad dollars. They finally ran one-half of my work.

 

Journalism matters!

 

Every story that digs deeply.

Every press conference — pure theater! — during which smart journalists ask challenging, tough questions, even in the face of sneers, insults, pompous political lectures and hostility.

It all adds up.

It must.

Jose and I are soon at the tail end of long and challenging and satisfying careers in journalism. We remain deeply passionate about the need for intelligent, analytical, critical reporting on  every aspect of life.

But both of us were cautioned — long ago — to remember that even a lifetime of our committed excellence, even for the largest and most influential outlets, and all the work of all our talented colleagues, is the equivalent of water drops on stone.

One at a time.

Each story — each image — only a drop.

How can it matter?

Drop after drop — repeated over and over and over and over — as we and others continue the work, and stone wears away.

 

Tough love for tough times

 

IMG_5887

By Caitlin Kelly

As someone with a green card, I can’t vote — so my enthusiasm for how New York’s governor Andrew Cuomo is handling this crisis will carry no political weight.

But every morning now, at 11:30 a.m. EDT on weekdays and noon on weekends, we watch his 30-minute press conferences, live, and listen to another 30 minutes of questions from reporters and his replies.

Jose , (my husband), spent eight years in the White House Press Corps as a New York Times photographer, covering Presidents Reagan, GW Bush, Clinton. He’s heard plenty of political spin and is not easily impressed, but is a huge fan of Cuomo’s handling  of the COVID-19 crisis — and New York City is the hardest-hit city in the United States.

Unlike the joke in the White House, Cuomo — another born-and-bred New Yorker — doesn’t bullshit or blather on about how great he is.

Nor does he insult the press corps, whose job it is to question every elected official and keep them accountable, as 45 does, most recently telling two veteran reporters: “Don’t be a cutie pie” and “Be nice. Don’t be threatening.”

During the conferences, Cuomo’s team also shows viewers clean, clear graphics with the numbers of infected, where, in the hospital, recovered — and dead. He explains who is most likely to die from the disease and why.

We live in a small suburban town, so density and crowding are less pressing for us than in the five boroughs of New York City.

Yet the state’s patient zero lives in a suburban town on the other side of our county. He went to synagogue (infecting many), traveled into the city by commuter train (more) and went about his business there (more again.) He’s alive and out of the hospital.

In the past few days, the National Guard equipped the enormous Javits Convention Center on the western edge of Manhattan as a hospital with 3,000 beds.

The Javits Center is an amazing facility,” said Semonite, [Gen. Todd Semonite, the head of the Army Corps of Engineers.] “Every 10 feet there’s a great big steel door in the floor, you open it up in there is all the electrical; there’s cold water, there’s hot water and there’s a place for sewers, so you can actually do things like sinks, right in the middle of a convention center to be able to make that happen.”

The hospital will be staffed by 350 medical personnel from FEMA and 600 medical personnel serving with the two Army hospitals.

Non-COVID-19 patients will be transported from hospitals in the New York City area to the convention center, just as they will be at the 1,000-bed Navy hospital ship the USNS Comfort when it is operational in New York Harbor on Tuesday.

 

Here’s a New York Times piece about Cuomo:

 

To the surprise of many who did not associate the name “Andrew Cuomo” with the word “empathy,” the governor has become a sort of national shrink, talking us through our fear, our loss and our growing stir-craziness.

“This is going be a long day, and it’s going to be a hard day, and it’s going to be an ugly day, and it’s going to be a sad day,” he told officers from the New York National Guard on Friday, charging them to fight this “invisible” and “insidious” beast and “kick coronavirus’s ass.”

Because New York is at the epicenter of the epidemic in the United States, with 519 deaths and 44,635 confirmed cases, as of noon Friday, Americans have their eyes on the state. Cuomo knows this. “New York is the canary in the coal mine,” he said during one of his passionate televised pleas for the president to provide more ventilators.

It is more than passing strange that in this horror-movie moment, with 13 people dying on Tuesday at Elmhurst Hospital in Queens and a refrigerated truck parked outside to collect the bodies, the nation’s two most prominent leaders are both Queens scions. Both men grew up in the shadows of their fathers, the hard-working sons of European immigrants.

The Trump family is a model of bad nepotism — noblesse oblige in reverse. Such is their reputation as scammers that congressional Democrats felt the need to put a provision in the coronavirus rescue bill to try to prevent Trump-and-Kushner Inc. from carving out a treat of their own.

And, from New York magazine:

Cuomo, most definitely, is not a fan of Trump:

“Government, presidential elections, it was tweets, it was all one-liners, it was all personality, character, celebrity. That’s what politics had become. And all of a sudden you have changed the lens,” he said while an aide brought him a large Dunkin’ Donuts coffee. “Government is about real capacity and real consequences and really knowing what you’re doing and real leadership. Elect the people who know what they’re doing, because you elect somebody because they are a celebrity, or because they have a great slogan, and then you ask them to perform. What do they say?’ ‘I never told you I could perform. I told you I was good looking. I told you I tweeted a lot. I told you I had a great slogan. I never told you I was competent.’ And by the way, it’s really serious. It’s not about celebrity and slogans. That is a stark shift. This is government at wartime.”

 

And, in a lighter vein, this from Michelle Collins, in Marie Claire magazine:

 

But the one thing I do have to look forward to every day like clockwork has been New York Governor Andrew Cuomo’s daily press briefings at 11 a.m. (Sometimes he’s late, and starts them at 11:30. I’ve started referring to this waiting time as “Cuomo FOMO.”) Like a velveteen gravity blanket for my soul, the second I see this man’s perfectly weathered face and tousled curls, the moment his Pacino-like accent fills my living room with its mafia-like authority, my blood pressure drops, my breasts seem to perk up on their own, and a tingly feeling of optimism washes over my imprisoned body as I think to myself… I think we’re gonna be okay.

Also: I think I’m in love with New York Governor Andrew Cuomo.

 

Trying to be normal

 

IMG_1486

By Caitlin Kelly

So we’re doing some of our usual silly banal things, like watching Jeopardy and playing gin rummy and tossing a softball into our battered leather gloves then sitting for a while on a bench in the sun — far away from anyone on our building’s property.

They are comforting and familiar and we need them so so badly.

We haven’t yet, thank God, lost anyone we know to COVID-19 but our minister has it and two of our parishioners, (who are recovering.)

Those of us old enough to remember it, the only time, domestically, that feels like this was the 1980s and the AIDS crisis, which I covered for The Globe & Mail and the Gazette in my native Canada.

Thank God, we still (for now!) have the same smart, tough, wise, no-bullshit public health expert today that we turned to back then, Dr. Anthony Fauci.

But, no matter where you live, we’re all grappling with a sort of life that makes no rational sense right now:

— millions out of work

— no idea if, how or when the economy will recover

— millions still at work endangering their lives and those of others, whether healthcare workers, first responders, police, grocery staff, delivery staff, to care for us

— the world’s richest nation with so few ventilators, let alone trained ICU staff, that triage is going to become brutal for everyone

— a “leader” who babbles and lies and and sneers at and insults any journalist who dares to challenge or question him

 

We are lucky, so far, to be healthy.

 

We are lucky, so far, to have continued freelance work.

 

We are lucky to live in a quiet suburb with places we can go out for a walk safely without dodging dangerous/selfish crowds of people.

 

We are lucky to live in New York, a state massively whacked by this disease, but led by a governor, Andrew Cuomo, who is calm, empathetic, tough. His daily 11:30 EDT press briefings (available on CNN) are a morning ritual for us now.

 

From The New York Times:

The governor repeatedly assailed the federal response as slow, inefficient and inadequate, far more aggressively than he had before.

Mr. Cuomo was once considered a bit player on the national stage, an abrasive presence who made his share of enemies among his Democratic Party peers. He was too much of a pragmatist for his party’s progressive wing, too self-focused for party leaders and too brusque for nearly everyone.

But now, he is emerging as the party’s most prominent voice in a time of crisis.

His briefings — articulate, consistent and often tinged with empathy — have become must-see television. On Tuesday, his address was carried live on all four networks in New York and a raft of cable news stations, including CNN, MSNBC and even Fox News.

 

How are you doing?

 

What are some of your coping mechanisms?

Getting through this

IMG_6471

We need this tree’s determination to thrive. Split rock, as needed.

 

By Caitlin Kelly

It’s not a joke or a hoax.

It’s forcing everyone to re-think every element of our lives: work, relationships, employment, money, access to government aid, education, worship, mourning, celebrations, trust in government, the safety and reliability of medical and hospital care.

Many people have died. Some are very ill. Some wonder — without easy access to testing — if they’ve even been infected with COVID-19, its now official name.

 

IMG_6319

 

It’s forcing Americans, especially, to behave in ways that run counter to how they’ve been socialized for decades — i.e. to behave as individuals, to behave as they please, free of most government interference, (but also government aid.)

Writing in this week’s New York Times, Donald McNeil says:

Is that what some countries are missing? This sense of collective action and selflessness?

That is absolutely what many Americans are missing — that it’s not about you right now. My parents were in the World War II generation and there was more of a sense of, “Hey, we did something amazing; we ramped up this gigantic societal effort.” It was this sense of we’re all in this together.

We’ve got to realize that we’re all in this together and save each other’s lives. That has not penetrated yet and it needs to penetrate because we all have to cooperate.

 

 

When you grow up not giving a damn about “the other” — people unrelated to you or you’ve never met and why would you even consider universal healthcare for the “undeserving”? — a pandemic throws this thinking out the window.

The nation’s addiction to capitalism and for-profit healthcare and limited government has also led to this crisis — you can’t keep an economy centered on consumer spending alive when no one is shopping or traveling or buying a house or a car.

The wealthy? They’ve already hopped aboard their private jets, and are safely ensconced in their third or fifth home, like the guy writing to The New York Times who fled New York for his house in Rhode Island.

In a time when Americans have never been more divided racially and economically and politically, this virus doesn’t care.

 

IMG_6470

Like it or not, ready or not, we’re all intertwined now

 

People may look, sound, earn and vote just as you do — and still be carrying and widely spreading this lethal virus.

I finally went out for a walk yesterday on our town reservoir path — lots of people (safely distant!) walking, running, biking. It felt great to be out of the apartment and moving.

It’s no fun being stuck indoors all the time.

It’s really hard not to get irritable and snappish if you share a small space with others.

Yes, people are really disappointed by cancelled parties and weddings and kids’ sports and graduations.

But seriously?

Stay home and be responsible.

We have to buck up.

 

I wish,  more than anything, we could still hear the wise and seasoned voices of those who survived WWII, who knew the kind of shared terror we’re only now beginning to feel — and who can share the mental strength and stamina they all needed to get through it.

 

Here’s my new theme song, from one of my favorite bands, The Talking Heads:

 

 

No, you won’t intimidate good journalists

mine sign in field
12/27/95–On Military Route “Arizona”- A sign warns of mines that were planted in a field during the Bosnian war. In a report published by the Bosnian and Herzegovina Mine Action Centre, it stated, ” In Bosnia and Herzegovina there is still remaining more than 80,000 mines/ERWs. Mine problem is present in 129 municipalities/cities, or 1,398 affected communities/settlements.” photo: Jose R. Lopez/New York Times

 

By Caitlin Kelly

The past week has offered another look at how men try to bully women — this time an exchange between NPR’s Mary Louise Kelly and the U.S. Secretary of State Mike Pompeo.

From Kelly:

He was not happy to have been questioned about Ukraine. He asked, do you think Americans care about Ukraine? He used the F word in that sentence and many others. He asked if I could find Ukraine on a map. I said yes. He called out for his aides to bring him a map of the world with no writing, no countries marked. I pointed to Ukraine. He put the map away. He said people will hear about this. And then he turned and said he had things to do. And I thanked him, again, for his time and left.

 

Here’s the reply from the CEO of National Public Radio.

An excerpt:

NPR CEO JOHN LANSING: He did not dispute the facts as she reported them based on the conversation that occurred after the interview when he had the expletive-filled rage. I think that’s important to point out. I think it’s also important to point out that Mary Louise Kelly has an email chain with Katie Martin, an aide to the secretary of state, confirming that she would be discussing Ukraine. So that’s a provably false statement. And it’s also important to point out that no journalist would agree to go behind closed doors with the secretary of state and agree to go off the record. That would just be something no honorable journalist would do.

 

It’s becoming increasingly clear to me — and to others who work in journalism — that many many consumers of news, whether print, broadcast, web, have no idea how the news is gathered.

 

It is not read from sanitized press releases!

 

It means sitting face to face with a wide array of people, some of whom are physically frightening (a warlord, say) or who can try to destroy your career thanks to their wealth and political power.

They will do everything possible to intimidate us — especially women. Because a woman journalist, doing our job well, often means being “unfeminine” — not deferential, compliant, flirtatious — genuflecting to power automatically.

It is our job, even politely, to question.

 

To challenge authority, to tell truth to power.

And the best reporting is not — as you’ve seen so often on television and in the movies — done amid a shouting, shoving pack, thrusting cameras and microphones into someone’s face.

 

Caitlin Kelly Health Care Story
Caitlin Kelly interviewing GP Dr. Margaret Tromp, President of the Society of Rural Physicians of Canada, in Picton, Ontario, Sept. 2019.

 

No, it’s personal, done privately face to face, often alone in a room with a closed door, and often with a powerful man accustomed to nodding, smiling agreement.

No woman journalist worth her pay is someone scared to enter those rooms, to gain access in the first place.

We don’t sit there with a boss or colleague or chaperone along to make sure we’re safe and comfy.

We know things can get heated.

I’ve had my share of men — and women — trying to scare me off a story. I worked as a reporter at the NY Daily News for a year, when it was still the nation’s sixth-largest newspaper. Tabloids chase stories hard.

 

IMG_2383

 

I’d been there a few weeks when some flack (PR person) for the New York state government (i.e. my taxes paid his salary) started shouting at me on the phone because he disliked my questions. I told him to calm down and call me back when he was able to be civil.

Instead, he called my (male) boss to complain about me — to mess with me.

Inside that newsroom, the large photo editor also decided to raise his voice to me. I told him that wasn’t going to solve the problem. He, too ran to my boss.

See a pattern here?

I can’t count the number of times in my career — as a reporter for three major daily newspapers — and as a freelance journalist, that someone who disliked my inquiries has tried to bully me, to intimidate me, to shame or embarrass me into shutting up and going away.

Hah!

Here’s what you need to know.

The best journalists have one job that’s very clear to us — we represent YOU, the audience:

 

The taxpayer.

The voter.

The patient.

The student.

 

The (relatively) powerless.

So, like soldiers heading into battle, we know it’s part of our job to take some verbal hits, to withstand sneers and derision.

It’s a point of pride that we do, and keep going, and sometimes actually get to the truth.

We will not back down.

 

 

Two new stories of American labor

By Caitlin Kelly

Happy Labor Day!

As regular readers here know, how people work and earn their living — and for what pay and under what conditions — is a bit of an obsession of mine.

I’ve had many staff jobs: at three big daily newspapers and at several magazines, (trade and consumer) — and worked 2.5 years selling stuff for $11/hour as a sales associate for The North Face, by far the most difficult job of my life and the most humbling. It became my second book.

Since losing my last staff job in 2006, I’ve remained freelance, which means I am only paid for whatever work I can find, negotiate and successfully complete. Pay rates for journalism are now much lower than in the early 2000s,. when I easily brought home $60,000 a year. Not now.

It’s crazy.

 

malled cover LOW

 

I grew up in Canada — a country with unions! — and moved to the United States in 1988. It is a truly eye-opening experience to live in a land of such brute, bare-knuckled capitalism! No paid maternity leave and very little unpaid. No paid vacation days, by law. At-will employment, which literally means anyone can fire you anytime for no reason at all.

Then, no severance!

Weakened unions at their lowest membership ever.

Stagnant wages — while CEOs “earn” 254 times the pay of their lowest-paid staff.

So, hey — try these!

Former New York Times labor reporter Steven Greenhouse, a friend, has finally just published his new book about American labor, The Big Squeeze.

I can’t wait to read it.

Just one of its many rave reviews…


“The power of Greenhouse’s book lies . . . in its reporting, especially on low-wage workers . . . his best material vividly focuses on the always difficult and often abusive working conditions of low-paid employees. Such stories get far too little airing and rarely are they so well told.” —Business Week

Here’s an earlier book on the same topic, from 2014.

And a new documentary,  American Factory, takes a close look at one American factory taken over by the Chinese.

From The New York Times’ review:

In 2016, Cao opened a division of Fuyao, his global auto-glass manufacturing company, in a shuttered General Motors factory near Dayton, Ohio. Blaming slumping S.U.V. sales, G.M. had closed the plant — known as the General Motors Moraine Assembly Plant — in December 2008, throwing thousands out of work the same month the American government began a multibillion dollar bailout of the auto industry. The Dayton factory remained idle until Fuyao announced it was taking it over, investing millions and hiring hundreds of local workers, numbers it soon increased.

The veteran filmmakers Steven Bognar and Julia Reichert, who are a couple and live outside of Dayton, documented the G.M. plant when it closed. They included the image of the last truck rolling off the line in their 2009 short, “The Last Truck: Closing of a GM Plant.” That crystallizing image also appears in “American Factory,” which revisits the plant six years later. The feature-length story they tell here is complex, stirring, timely and beautifully shaped, spanning continents as it surveys the past, present and possible future of American labor. (This is the first movie that Barack and Michelle Obama’s company Higher Ground Productions is releasing with Netflix.)

 

Hoping that you have work you like, and well-paid!

Who exactly is “middle class” in the U.S.?

IMG_4350(1)

Can you afford a house? We can’t. Not anywhere near where we live….Maybe this is why I enjoy reading about others’.

 

By Caitlin Kelly

And, another hate read from The New York Times, somehow insisting that an annual income of $100,000 to $200,000, even $400,000 (!) or more means “middle class”:

This is the introduction, while the story focuses on seven families, with only one single man.

Being middle class in America used to come with a certain amount of leisure and economic security. Today it involves an endless series of trade-offs and creative workarounds, career reinventions and an inescapable sense of dread.

We asked readers to tell us what it’s like, and more than 500 people, with widely varied incomes, submitted responses. They described not just their financial worries but also he texture of daily life. Even those with very good incomes expressed fears of instability. They have seen their wages and bargaining power stagnate and wealth spiral to the top, while they struggle to acquire the markers of middle-class life — a college education, health care, the deed to a home.

As one reader, Kristin DePue, put it, “There is an extraordinary burden on my generation to fund our own retirement and also afford college costs for our children.” Indeed, “middle-class life is now 30 percent more expensive than it was 20 years ago,” the journalist Alissa Quart writes in “Squeezed: Why Our Families Can’t Afford America.” And yet, for all the talk of “everyday Americans” among the presidential candidates, politicians do not seem to understand what it takes to get through the day, or what would really help.

 

 

Georgetown

Georgetown, DC. Pricey but lovely

A few thoughts:

 

— No American — unlike some Britons who will proudly say they are “working class” — will use that language to describe oneself, even if it’s true. There are so many euphemisms for poor: broke, impoverished, low-income, underprivileged, each of which is vague and subjective. One man’s “broke” is another man’s notion of luxury.

— Many factors affect how far one can stretch a budget: housing, health insurance (if you’re on Medicare or Medicaid, free), educational costs, number of children, etc. If you’ve chosen to raise a child, or many children, that’s an assumed cost bringing many additional costs with it: food, clothing, medical care, etc. Plus childcare!

— Some areas of the country are brutally and punitively expensive for housing and if, for reasons of employment, health and/or reliable family support you can’t leave, that cost alone is going skew what you need to survive.

— If you have multiple children and every one of them attends a private university or college, let alone graduate or professional school, it will cost a fortune. Yet it remains a very loaded and un-American idea to suggest trade school or vocational training instead, even though many such workers, unionized, make very good incomes, have plenty of work life-long and tremendous pride in their skills.

— This story generated 1,358 comments (that’s a lot for the Times), as “class” is a loaded word for Americans, raised from birth on the “American dream” of social mobility.

Here’s one of them:

The median household income is $59,000 per year. All of these people in the article are far above that, but they are still struggling to afford basic things like education for their children because life is very expensive. Imagine what a family making $25,000 is going through, trying to send children to college. Everyone that is thinking about this election needs to realize that the real middle of the country is hurting. All of our security has been turned to risk, and the billionaires pay themselves as if they carry the risk, instead of us. The corporate establishment “center” has completely discredited itself, by telling us how great the economic numbers are, how “free trade” has really been great, and that there “is no money,” for the things that most people need, because, according to the owners of capital and the media they own, the only way for capitalism to work is for their corporations to get fat, no-bid, cost-plus contracts, while those same corporations have their taxes cut to zero.

Jose and I live in a suburb of New York City, in a one-bedroom apartment. Our monthly housing cost is $2,000, health insurance $1,700, various other insurances another $400+. Add food, gas, the $95 cost of a 10-trip off-peak train trip into New York City for work or pleasure, parking, dental, etc.

In our good years, we make just over six figures, as full-time freelancers — i.e. wholly self-employed; in bad years, we have had to tap our retirement savings (and thank heaven we have some.)

That, for many people, is a fortune!

But our combined income can also disappear at any moment without warning if one of our clients cuts their budget or management changes. We have no paid time off or paid sick leave.

At this point, effectively shut out of any full-time job (that would cut $20,000 a year in costs with job-supplied health insurance) by age discrimination, we are OK, partly because we have no children or dependents, and have stayed in this home for decades, driving a 20 year old vehicle.

 

How about you?

 

Where do you fit?

Did Boomers destroy the world?

market 04

 

By Caitlin Kelly

Here we go again…

How Americans of the Baby Boom generations — born between 1946 and 1964 — have totally screwed everyone younger.

True?

From The Atlantic:

 

Below, I show a reasonable projection of the share of national income that will have to be spent paying for these obligations in the future if there is no substantial restructuring of liabilities. It’s based on consensus forecasts from groups such as the Congressional Budget Office and the Office of Management and Budget for economic growth and for programs such as Social Security and Medicare where such forecasts are available—but in some cases, such as state debts and pensions, no such forecast was available, and so I developed a simple one.

Making these payments will require fiscal austerity, through either higher taxes or lower alternative spending. Younger Americans will bear the burdens of the Baby Boomer generation, whether in smaller take-home pay or more potholes and worse schools.

Furthermore, the basic demographic balance sheet is getting worse all the time, increasing the relative burden on young people. Working-age Americans are dying off in alarming numbers.

As someone in this cohort, I have a real problem with this.

I would never argue that younger workers and voters don’t face tremendous headwinds, economically and politically. They do!

I look at the current cost of American university education and find it absurd that schools you have never heard of are demanding $40,000 to $60,000 a year to educate their students. Get real! Nor do many state schools offer a much less expensive alternative.

I paid all of $660 a year to attend University of Toronto — the annual fee for an equivalent course of study is now 10 times as much. But it’s $6,000, not $60,000.

That’s also a nation with different political and economic values, more interested in the common good (yes, higher tax rates) than individual wealth-building.

 

img_20160928_183329860

 

Blaming Boomers for every impediment to financial progress is so appealing. Intergenerational warfare is such a shiny little distraction from the heavy hand of capitalism, forever demanding “shareholder value” (i.e. return on institutional investments) instead of recognizing everyone’s need to save and invest and hope for a better financial future.

I know many many people in this cohort who are struggling mightily financially — hardly sitting on their thrones of gold, their private jet awaiting their flight to their fourth home. The truly wealthy are so rich it’s beyond comprehension at this point, leaving the rest of us to beat the hell out of one another.

Many people in their 50s and beyond who do not have a well-paid or secure full-time job, let alone one that offers a pension, are scared and desperate, facing:

 

— a possible next recession, having barely recovered from the 2007-2009 recession

— the costs of paying their children’s college

— having their adult children (and grandchildren) needing to return home for food and housing.

— the costs of paying their parents’ health care aides or nursing home

— the fear of those enormous costs for themselves

— facing widespread, rampant and illegal age discrimination, leaving them/us financially impotent to earn, save and invest for all of the above if we are shut out of decent, full-time employment with (in the U.S.) the subsidized health insurance everyone needs.

 

Some alternate facts:

 

Half of Americans over the age of 48 have no money saved for retirement.

 

From Bloomberg Businessweek:

 

“Social Security provides most of the income for about half of households age 65 and older,” the GAO said.

The Employee Benefit Research Institute estimated earlier this month that 41 percent of U.S. households headed by someone age 35 to 64 are likely to run out of money in retirement. That’s down 1.7 percentage points since 2014.

EBRI found these Americans face a combined retirement deficit of $3.83 trillion.