Payment Holiday: How To Make the Banks Fix the Mess They Created

Banks are happy to take their profits when the economy is going well, but they don't seem to want to take their lumps when it isn't. The only real solution I see to the home value crisis is the banks rewriting the mortgages to some version of fair market value. But they won't do it. No incentive.

How about this crazy idea: what if all you mortgage payers out there take just one month off from your loan payments all at the same time? And hey, do it on your credit cards too. They're killing you with the raised rates anyway.

If everyone took a one month payment holiday at the same time, I suspect it would bring the financial system to its knees pretty quickly. How's that for incentive?

I'm thinking January 2010 just when the bills come in for the Christmas shopping.

Everyday Health Care in America

Here's something that happened to me yesterday. I've had mild high blood pressure since my late teens. At various points since then my doctors have prescribed a low dose, common water pill. Brand name is Diovan and the generic is HCTZ, which is what I've always gotten. Yesterday I went to go get my refill at a local Walgreen's (which have sprouted like mushrooms in my area, it being populated by so many retirees waiting their turn at the Pearly Gates). Under my insurance plan I can only get a one month supply or 30 pills. But the doc prescribes it at 100 count per scrip. I would rather not have to make the extra trips if it's not necessary so I go off the insurance. It's a really cheap med anyway so I figure it's worth a little extra. So I go to pick up the refill at the drive thru. The girl sends it through and it's just the one month supply at a cost of $11.99. I send it back and explain that I'll go off-insurance and get the whole 100. She says she'll check the pricing. Comes back with... $11.99.

Yes I made sure she rechecked it several times and asked her if that seemed a little odd.

America, you're worried that the government's gonna rip you off? Your pockets are already empty and you just haven't pulled up the lint yet.

Afghanistan: Failure of Intent

When we went into Afghanistan, it was not yet a month past 9/11, the world effectively supported any reasonable appearing action the US might take, and the American people certainly agreed that since this was the geographical source of the crime, this is where we needed to show that we can’t be so easily knocked down.

NATO joined in and the task at hand seemed fairly straightforward: get in there and roust the intransigent and vile Taliban that took over the country after the withdrawal of the Soviets over a decade earlier; and who made the poor choice of allowing an Arab-based terrorist organization run by an old-style Muslim whackjob with a lot of daddy’s construction cash left under his keffiyeh have undue influence in the country, and the ability to inspire immense acts of murder out of the country. All that, rather than accept billions of US dollars to switch from poppies to potatoes and let girls learn how to read. Once the Taliban was knocked over, blow out the caves and get the sand worm bin Laden and call it a day.

I remember well the day the invasion started. I was out on a country drive with my then-girlfriend and I said to her when the news came on the radio, “I hope this guy knows what he’s doing.” Other than the speech to congress following 9/11 and the megaphone stunt at ground zero, I hadn’t seen anything out of this man-child Bush that gave me any confidence in him at all. He always seemed to me to be the goofy kid of the “guy who was involved in getting things done” which like them or not, was what his daddy, grand daddy, and great grand daddy were. So now he had his chance. Well at least he had the old wise man Cheney at his side, right? And Powell too.

Like each and every other matter these discredited miscreants laid their hands on, they blew it. After quickly bombing the Taliban out of power and taking Kabul, all enemies, Taliban and al-Qaeda were on the run and nearly bottled up at Tora Bora, the jagged, ancient mountains near the Pakistan border. Because another genius, Donald Rumsfeld refused to provide the few thousand additional troops requested for that battle, US forces worked with local anti-Taliban groups who, though good fighters, mostly veterans of the Soviet insurgency, had no great taste after a point to fight fellow Muslims while supporting non-Muslims. The result was that the locals brokered a separate cease-fire which gave bin Laden and his minions the chance to scurry across to the Pakistani tribal areas where, if he lives today, bin Laden remains.

Like the distraction-disaster that followed, GW Bush and his half-a-brain trust either failed or refused to give our military the resources needed to achieve the tasks at hand. And they damn near pulled it off both times anyway.

Now the man who chose to take the cesspit of American politics and policy onto his lanky lap, my friend Barry, is about to make his Big Announcement which, as that earlier expert military tactician Cheney says, he has been dithering over for approximately 90 days. How long does it take to decide on the least screwed up way to deal with what is now a completely screwed up situation? A “war” which should have ended after about 60 days has lasted 8 years and cost about 1500 American lives. Maybe not making a rash decision is called for here, hmmm?

So the early word says Barry is gonna give the general about 2/3 of what he asked for, which to a military man is probably everything he expected. I learned a long time ago to start a negotiation high and settle low. For our friends on the right, who shop retail and buy the sticker price, this makes no sense and they will say so and loudly. But they will never have Barry’s back, unless it’s in crosshairs so why he continues to bother is a question that my political mind cannot reach. I am not myself a political animal so I have no desire to be appreciated by everyone who doesn’t like me for any reason or no reason so I don’t waste effort trying.

On the left there will be howls because this guy was supposed to get us out of these stupid wars. Well yes, but even this guy said he thought this was a correct war so expecting him to ditch it is wrong-headed. Expecting him to do nothing clearly isn’t going to work since, well, it’s not working. So doing what appears to be a half-measure is what should be expected. No one will be happy, which may mean he’s found a good middle ground, like he does in every issue.

My feeling is that numerically, it’s probably necessary to increase troops since there were never enough to cover the country in the first place (it’s bigger and more spread out than Iraq by a substantial margin). It has much less infrastructure and a much less educated population who are nevertheless battle weary and tested following what is now nearly 30 years of near constant war and insurrection involving the world’s major powers: NONE OF WHOM HAVE EVER MANAGED TO SUBDUE THE PLACE.

Very simply, we should stay there long enough in this form to allow Karzai to clean up his act or not, to rebuild some of what we broke, to try to rout the Taliban out of the two southern provinces that actually have lots of Taliban (Helmand and Kandahar), and do so using anti-insurgency tactics rather than old-style big battle plans. We need to get into the villages and interact with the people, gain their confidence and give them the strength to fight off the guys we don’t like and then make sure we continue to supply them appropriately when we want to leave. That’s what finally succeeded in Iraq and that’s what will succeed in Afghanistan. We won’t leave behind a modern democracy. The culture there in 10,000 years old, possibly older than the one we tried to change in Iraq. Dropping bombs around them for a few years isn’t going to bring a light to their world that will obscure the one they have known since before cattle were domesticated.

The Greatest Threat To Liberty?

The founders of the United States were liberals. They believed that men (yes, white property owning men) had a God-given right to determine the direction their lives could take free from outside interference. In their day, the most likely source of interference and the one they revolted against, was an unresponsive and corrupt central government headed by a hereditary monarch. For the first hundred years of the nation's existence, that perspective was maintained effectively as the sole means by which to measure individual liberty and government authority. By the 1880s though, another threat to personal liberty arose in a way not fully contemplated by the founders: the perpetual corporation.

In the founders' day corporations were rarely used and novel methods of agglomerating capital to take on tasks and disburse the risk of loss in a venture which could not normally be carried by a single owner/operator. They were single-purposed and short-lived. Governments also had great authority to exercise control over the effects a corporation had within its community. Some of the founders recognized the possibility of such entities growing beyond the ability of small governments to control them but that foresight could only go so far.

By the last quarter of the 19th century though, laws had changed to allow the growth of corporate behemoths of size, scope, and influence beyond any of the founders' worst nightmares. Accordingly, a new major threat to the liberty of the individual became a force in American life. The question of whether or how to contend with that threat effectively defines much about modern American politics. Simply stated, the only entity capable of bringing to bear enough resources to assure that the people are not abused by the whims, desires, greed, need, what-have-you of the modern corporation was a larger, more commercially active government at all levels. It required the proper functioning of the former great threat to manage the dangers posed by the abuse of the latter great threat.

The goal is still to protect individual liberty; the Liberal Ideal. The means to do so, requires one to trust in the good graces of two recognized devils. Somewhere along the line, because corporations are private property, the label conservative has stuck to those who still see government as the greater threat to liberty while liberals, who long ago fought a revolution to limit government interference in the liberty of the people, now look to it as the main protector of that same liberty.

Perhaps the greatest threat to liberty is the failure of adequate labels to show we all take different roads to get to the same place.

The Inevitable Assessment of a Modern Major Genral

The report leaked today from Gen. William McChrystal, the commander of all forces in Afghanistan said that unless forces are dramatically increased, the American effort there is likely to fail. He may be right, after all he has his McChrystal balls to rely on. But on the other hand, what are the chances that any general is going to recommend retreat, which will always look to some as a failure, as opposed to going all in which at least has a chance of "winning" whatever that may be in a place as poor, corrupt, remote, ungoverned, and unconquered as Afghanistan? Pulling out is no choice any military man would ever take. Leave that to the Commander-in-Chief, a civilian whose calculations on such matters have to take into account many more factors than anything a general has to worry about. This does not demean the general's advice in any way, but rather places it in context along with any other sources of advice the president must take into consideration.

Racism in the Current Discourse

We have here in the US a president whose father was a native of sub-Saharan Africa. The skin tone of this president bears a closer resemblance to his father's than it does to his mother's, who hailed from Kansas and whose skin tone was as peach/pink/white as anyone whose heritage emanated from northern Europe. At this point proportionately less people care about that one way or the other that at other time in this country's sorry history on that point.

But a lot of people still do care about the president's skin tone; both as a reason to like and to dislike him. While I won't go so far as to say it's an utterly meaningless fact but any discussion of it in the context of the current health care debate is a complete waste of time. Those who support the president primarily because he's a black man will do so no matter what and won't be changed and the same is true of those who can't stand the notion of a black man sitting in the big chair in the White House.

All that will happen if one side or the other accuses anyone of racism is that the chance of any substantive discussion of the particular issue actually at hand will come absolutely to an end. The heat gets turned up. Anyone not predisposed to the extremes gets pushed to it in order to defend themselves against probably baseless charges and before long things could turn violent.

The media, which is astounding me more each day with its unconscionable laziness, goes immediately to the most extreme points of view in order to sensationalize everything and make all debate appear more like a car wreck in process instead of trying to parse through the complexities of difficult issues. Hey I dig it, it's hard to do research to understand the composition of health care in this country and the varieties of ways it comes into play among the 300+ million people living here and the 50 states and the regional variations and enormous sums of cash and the tension between government and service providers and insurance companies and pharmaceutical companies, not to mention the different ways it's handled in other countries, all in the midst of the horrors of the current economic problems.

Like everything else, it's all a lot easier if you try to make it a black or white issue.

The America I Know and Love...

I hear that phrase in various forms over and over a lot lately. It's featured most prominently in the ridiculous rant by that Dangerous Moron, Sarah Palin. It comes up in blurts from birthers wanting "their" country back for that Kenyan posing as president.

Here's a simple request for the folks out there who hold that sentiment: please comment below by explaining to me what exactly it is that you mean by holding to any version of the phrase.

Is-ism

Unintentionally I seem to have taken a summer recess in blog posting and though much is in need of comment and discussion, instead I want to start getting to some basic principles which should have been addressed long ago, namely, what do I mean by calling myself a Mighty Liberal? This is the first of what hopefully will be many installments on this point and with luck, some readers will add their thoughts.

The goal of liberalism in modern America is tricky and that is part of what makes it a slippery concept, seemingly unprincipled. But it is the seeming unprincipledness of it all which is the hallmark of liberalism. Focus on seeming because in reality that is the aspect of liberalism which makes it a dynamic force. To contrast, conservatives of all stripes make a fetish out of hewing tightly to their so-called principles to the point that the steamrolling of populations along the way becomes testimony to the lengths of sacrifice they would make to assure consistency. They are certain they know what it is that things are. Note the words I use here. They have a desire to have a world governed by "Is-ism". They know what the meaning of "Is" is. Anything which does not meet their self-definition of just about anything is then, by definition, wrong, and therefore to be scorned and destroyed at all costs by any means.

Contrary to conservatism, Liberalism is flexible. It has to be in order to strike a constant balance between liberty and anything which might threaten liberty. Solutions change. Adjustments must be made on the fly. Nothing is certain except the constant need for trying to understand as many facts, circumstances, and opinions as possible while knowing at the same time that full knowing of anything is impossible. We humans must do the best we can and strive always to do better. In the moment, the desire to always be ready to alter one's path can look pretty wishy washy to someone determined to plow ahead at all costs no matter the circumstances. But in most cases, such plowing behavior is good only for an ox.

An ox may be strong but it's not very smart. And it's a herd animal by nature as well. We are humans. We can and should be able to do better. We tell the ox what to do and where to go. And when we're done with the ox, we eat it.

And now, back to our regularly scheduled program...

Dry your eyes and pay attention folks. Michael is apparently NOT staging the greatest comeback but for Jesus. Meantime he knocked a crushed revolution in Iran off the news pages, allowed another in Honduras to simmer unwatched, and Kim Jong Dillweed is still trying to scare us into bombing his pathetic little regime so he can in turn blast Seoul. Al Franken is now officially Senator number 60 in the Democratic roll call. Good luck with that Harry Reid you lousy cat herder you. Only that soon-to-be retired salmon killer Sarah Palin has made a dent in the news cycle since Michael moonwalked off this mortal coil.

Guess what folks, that pissing in the ocean feeling I described a few months ago is about to get a lot warmer. Stimulus One did exactly what it was meant to do - whet the appetite for Stimulus Two: The Real Thing. I suggested when the first one flew in that it wasn't much and was merely intended to allow my friend Barry to get somewhat settled in office. Then he could take a moment to see how reactive the economy might actually be before going whole hog and doing what really needs to be done to bring this country up to date after 30+ years of baby boomer economic masturbation. Yep, it feels real good but boy do we now have a mess of our hands.

Quick review: TARP provided a parachute to a free falling economy. Stimulus One provided a touch of brakes to further downward sliding. But neither provide any improvement in any substantial manner. The toilet has not finished flushing and I'm running out of colorful metaphors. National health care is around the corner, I hope, and that should be followed by Stimulus Two which will really address infrastructure rebuilding. Energy production and distribution. A manufacturing base to supply it. Research and development to constantly upgrade it all. Give us a trillion dollars to pay for the untapped ingenuity in the American psyche and watch what happens.

It was all signaled by that titan of understatement Joe Biden when he admitted they got it wrong about how bad the economy was when they brought out Stimulus One. I don't buy it for a second but politically it was necessary for a rookie president to take two bites on the money apple. Watch the references to additional stimulus start to pile up. Then get back to me to ask what's next.

Sarah Palin Is A Dangerous Moron

It's about two hours since I first saw the headline that Sarah Palin is resigning as governor of Alaska and I have yet to read, watch, or listen to any commentary about it so I thought I'd lay out some quick thoughts untainted by the punditocracy.

In her released statement she suggested she is quitting because she had already decided she wasn't running for reelection. Additionally, as a lame duck she would be subject to "politics as usual" which I guess means no one would agree to do what she says automatically.

I don't know much about the goings-on in the Alaska state legislature but I suspect the pioneer mavericky spirit she represents oh so well doesn't stop at her office door. That means the folks in the legislature probably don't have trouble telling her to heave ho when she starts spouting her usual inanities. I have a feeling that her incessant campaigning outside her state has made it likely that she would not be reelected if she ran since she has neglected whatever duties she has had for the past year. Finally, fearing the "politics as usual" conundrum of self-imposed lame duck status tells me she doesn't really have the chops to get things done when the going gets tough.

I admit I thought Obama was pretty brazen to run for president this last cycle. But I saw it sort of as a test run for 2012 or 2016, presuming like everyone else that Hillary had it in the bag. Regardless, he has the intellectual chops to engage in the actual issues and whether you agree with what he's done so far as president or not, he has at least demonstrated that he has actual ideas to put in place and a program for doing it.

Like George W. Bush before, Palin just wants to be president. I don't know why. She has never said a thing of actual policy substance since she first winked her skirted way onto the national scene last year. She simply wants to give voice to some mythological "real America" embodied by such imitation spokesmen like Joe the Plumber which doesn't really represent anyone who has to live a real life in the real world among real people who are really hurting and nervous right now. She panders to the worst in what for lack of another demographic descripter I'll cite as white America. It is exclusionary and divisive at best and potentially dangerous fear mongering at worst.

Sarah Palin looks great on TV and can deliver a line. She can talk within a very narrow band of superficial beliefs that do not stand up to the mildest serious scrutiny. The media indulges her existence because she looks good and makes a great story with most of the absurdities that spill from her lipsticked piehole. The GOP is having all sorts of problems trying to find its way in a new world created by its own generation of national political and economic destruction. I would support Newt Gingrich a thousand times before I would give a shred of value to anything sourced from the Godzilla from Wasilla. I need this particular show to end. Hopefully soon some other voices from the right will be more attractive in real terms but my optimism is waning at the moment.

Republicans please, don't do this. To yourselves and certainly not to the rest of us. Learn the lesson of George W. Bush. We can disagree about policy and how to go about governing, but please already, find someone to represent the opposition who is actually interested in governing under the US Constitution instead of not at all or through some bastardized flag waving pseudo-patriotic swill passing as geunine Americanism. Don't support someone who wants to be president just because it's the next step in her job development.

Sarah Palin is a dangerous moron. She is suited for nothing more than to be a breed mare. A capacity she has fulfilled competently and has clearly passed along to the next generation. I hope her resignation is the last official political act she ever takes. Return to the tundra and don't come back. You betcha!