Translate

Search This Blog

Showing posts with label mortgages. Show all posts
Showing posts with label mortgages. Show all posts

Monday, September 17, 2012

In Praise of the Nanny State

Not enough government regulations and support for humans in this world is just as bad as too much regulation and support. What we need is a middle ground where creativity and growth flourishes without causing degradation and despair in its wake. The term Nanny State is a pejorative that seeks to marginalize the benefits that it brings along with it. The term is never used by people who need one. It is the people who feel that they don’t need to be supervised and constrained who begrudge its existence and feel that they are being unfairly made to pay the bills for it.



People in wealthy countries have a skewed perspective on the remainder of the world. Some Americans grouse about public schools providing breakfast and lunch meals to the pupils when it is obvious that the children’s parents should be making sure their children are fed nutritious meals each morning and bring with them a good lunch. They don’t like being told that whole chocolate milk is not permitted because it is not as healthy as low fat or no fat milk without the sweet stuff mixed in. They object to not allowing children to eat a candy bar as a snack instead of an apple or a peach. They say the state is too intrusive in their lives.

The simple fact is that there are millions of children who have neither a candy bar not an apple or a peach for any meals at all. They are the children in poor countries who sift through the landfills looking for the stuff they were told will earn them a few coins to add to the miniscule wages their parents earn, sometimes doing the exact same thing.


For them there is no Nanny State. They are truly on their own when it comes to surviving in their environment.

They have zero health coverage for anything that ails them. They do not eat unless they earn the coins that allow them to buy whatever there is to have. Children are malnourished, not educated and remain unskilled for the technical and industrial jobs that come to their country from abroad, especially America. In a country where adults earn the equivalent of a few hundred dollars per year, there is zero opportunity to save for a future where they can no longer work. Then they are pushed aside to make room for the next laborer.

“When she was 6 years old, Natasha’s father left her mother. Shortly after, her mother remarried and sent Natasha and her brother to the orphanage.” Source This story has been played out millions of times in hundreds of countries around the world. Where there is no Nanny State willing and able to address the plight of parents who are unwilling or unable to care for their children, the children are merely abandoned in place. The children then become cast-offs in dismal orphanages or become assets in the sex trade or other exploitations.

In the US, one might be without a permanent dwelling, but a few select individuals are able to keep themselves going with innovation. That innovation is predicated on there not being too many others in their same situation who are also too close and create a social structure that is rebelled against by the fortunate people who never will have to sleep on an urban street.


Sao Paolo, Brazil is a city where 11 million of the approximate 20 million inhabitants live in poverty. In this burgeoning city there is no attempt to regulate the construction of the shanties that have grown like ground cover plants over the land around the planned and officially constructed urban core. Here there is no Nanny State and therefore no sanitation, no garbage collection. Polluted water runs in open channels, people eke out a living as best they can with no help from any municipal authority. Imagine yourself having a heart attack near the center of the neighborhood on the left.



Most Indians own a mobile phone, but don't have access to private toilets. The government and activists hope to help. There go those Nanny Staters again, trying to get people to use a toilet when they would rather poop by the railroad tracks. In a country of 1.3 billion people, getting the word out is a difficult endeavor. There was a time in America about 110 years ago that we resisted putting those filthy things in our houses too. But then the municipal authorities forced the issue. Wilkinsburg, Pennsylvania installed sanitary sewers in 1892 and began the conversion from backyard privies to water transport waste removal. Back then they had sufficient water to allow everyone to flush as much water as they wanted to in the pursuits of making their waste disappear. But then the river became a sewer in itself. Along came the Nanny State again telling the communities that they must not put raw sewage in the river. Treatment plants were built at the cost of millions of dollars to keep the river water clean enough for the next community to draw it for drinking. Now they want everyone to install “low-flow” 1.6 gallon commodes to limit the amount of water that is run through the treatment plant. The other side of that equation is the necessity to build a new treatment plant to handle twice the flow of today.

Without someone telling a group of people that the house they live in is only permitted for one family, they would pack two or three families in the house and overload its capacity to handle sewage, electricity and cars parked on the street. Nobody want a Nanny State telling them that they all can’t live in the same house. After all where they came from they were THAT packed in and they built the shanty themselves (without a toilet.)

If we want to have a civilization that exists above subsistence, and doesn’t deteriorate into decrepitude we need someone who has society’s best interest in mind. They may go too far sometimes, but that is far less damaging than not going far enough.

Tweet This Post

Saturday, July 9, 2011

Today's Reasons to Exist

If there is a picturesque landscape, a town may be able to attract visitors. Rolling hills and green pastures are not very effective at attracting people unless there is something to do. With many Americans accustomed to eating burgers, fries and sodas in their cars, fine dining in the country is not a high volume opportunity. Outlet stores are a dime-a-dozen and must be clustered on one site to attract a variety of customers. Unless the location is really far out of the city, few people will stay overnight.

Swimming and water craft are good attractions if there is water and the body large enough to accommodate the use. Skiing is seasonal and must generate an entire year of commerce in the few months of winter.

Business and industrial parks are a viable attractor of commerce but the community must also have a suitably aged drug-free workforce who can do the work. There is little use for such a business park in a community if all the labor must commute to the location. There must be ancillary commerce like grocery shopping, medical services, car repair, etc. collocated such that people will leave a portion of their earnings in the local community. Newcomers who seek to live nearby need available housing.

Many businesses that seek to locate in such prepared sites demand tax abatement as an inducement to come therefore, tax revenues will not be immediately benefit the community. Some industries are so mobile that when the tax abatement expires they can relocate once again to some other community that is hungry for commerce.

Retirement homes as a viable option if there are adequate medical services available to treat older residents, transportation available to get everyone to where they need to go and local amenities where their money can stay local.

Private house ownership is far more affordable in small presently economically depressed towns. What is lacking are the grocery stores, doctors, dentists and pharmacies. Without such services long distance travel is required and that offsets the affordability of the location.
Other posts in this series
Community, Reasons to Exist, The Making of Place This is the introductory section
reason-to-exist Every town, village city and region originally had a reason to exist.
todays-reasons-to-exist Every community needs a a reason today for its continued existance. Otherwise it will wither and die.
factors-that-are-missingThe economic system we use today removes critical factors tat allow a community to stay vital.
a-shared-historyThe people of a community need a sared history to stay cohesive as a community.
sustainable-community all of the essential factors must remain present for a community to continue its existance.
sustainable-unemployment As manufacturing and the services industries ccontinue to evolve, human labor and attentjon is diminised. We need to devise a society where most people do not labor for their living.
sustainable-consumerism A balance between product durability and its replacement neds to be reached in order for an equilibrium to be reached.
sustainable-populations The human population cannot continue on its present trajectory without a terrible price to pay in the coming decades and century.
suburban-sprawl Sprawl is only possible when tere is ample buildable land and ample resources available to service thiose locations.
complete-streets Our transportation ways are not just for the automobile. People must walk, bike, and use other modes of transport on tose public rights of way.

Monday, July 4, 2011

A Shared History

What makes a human settlement into a community? A suburb of culturally diverse homeowners may be a community but mostly they are not. In any population of approximately 5,000 people who live in a set of suburban subdivisions may attend as many as 50 different churches, buy groceries at a dozen different supermarkets, bank at a dozen different banks and have children who attend a myriad of public and private schools. Each new arrival came from a unique origin and settled there for the wide open yards and greater distances between front doors. In those residential land uses, people come and go isolated in their automobiles and may not know the names of the families even as close as two doors away. They all share a physical location but they do not have a shared history.

Swissvale, Pennsylvania is a small urban center now incorporated as part of the City of Pittsburgh. It was originally settled by Germans and Scandinavians who arrived from Europe to work in the steel mills on the Monongahela River Valley far below the bluffs where the streets of houses were built. So common was the employment in the valley and residence on the hillsides that several electric streetcar companies laid tracks through the neighborhoods and pointed them straight at the mills. It seems that everyone went to the mills each day to earn a living. They all spoke the language. They all had something in common: Emigration and working in the mills.

The next town over is Braddock. It was home to a large population of Polish immigrants. Their churches and fraternal association buildings still give testament to their former dominance of the area. The level of homogeneous character has since diminished considerably after the exit of steel making in the valley. These towns were sustained by the common history of the people who lived there. Today, Braddock is dying while Swissvale still lives. Both towns rely heavily on the pensions and retirement income of the people who still live there. The difference is Swissvale did not see the influx of lesser unskilled people who replaced the original population that left when the mills closed.

Railroad workers, lumberjacks, farmers, miners, steelworkers immigrated here from all over Europe and found work in company towns where they shared a past and the present. Wilkinsburg, another urban area just outside of Pittsburgh's city limits, is the town of churches. There are cross streets in that borough where each corner has a church. Although there might be a common employment in an area, people of diverse cultures did not mix well and formed their own communities. Irish and Chinese men and their families may live adjacent to each other and interact on an economic basis, but they lived apart. Still they share a common situation as cheap labor to a young growing land. And when the railroad was done they all shared the same fate of abandonment.

Today towns and rural areas struggle to find purpose that will keep their dreams alive. If they do not have an income stream on which to levy taxes then they need people to move in and bring with them the incomes and saved capital they have. If the newcomers still spend their money at distant stores then the community is still without revenue to maintain their physical presence and institutional needs. Newcomers don't have that shared history that is essential for "community" to exist. Efforts to gentrify a distressed community suggests that there is a reason to be renewed or that one can be created. Generally, though, there must first be a reason. That reason might be that it is suitable as a bedroom community to a larger urban area, new public transit options are expanded to the area, or that a large employer is locating nearby. In this latter example the jobs would need to be far better paying that a big box retail store or catalog fulfillment warehouse. Failing those requirements, the revitalization efforts will surely fail. They fail primarily due to the lack of a shared history where people will join together and assure the community success.

Other blog posts that are related in a Series

Community, Reasons to Exist, The Making of Place This is the introductory section
reason-to-exist Every town, village city and region originally had a reason to exist.
todays-reasons-to-exist Every community needs a a reason today for its continued existence. Otherwise it will wither and die.
factors-that-are-missingThe economic system we use today removes critical factors tat allow a community to stay vital.
a-shared-historyThe people of a community need a shared history to stay cohesive as a community.
sustainable-community all of the essential factors must remain present for a community to continue its existence.
sustainable-unemployment As manufacturing and the services industries continue to evolve, human labor and attention is diminished. We need to devise a society where most people do not labor for their living.
sustainable-consumerism A balance between product durability and its replacement needs to be reached in order for an equilibrium to be reached.
sustainable-populations The human population cannot continue on its present trajectory without a terrible price to pay in the coming decades and century.
suburban-sprawl Sprawl is only possible when there is ample buildable land and ample resources available to service those locations.
complete-streets Our transportation ways are not just for the automobile. People must walk, bike, and use other modes of transport on those public rights of way.
>

Sunday, July 3, 2011

A Sustainable Community

The work that I do to earn the money to pay my bills and fund my retirement has taken a left turn into a different province. The work that I have been doing is so tightly related to the whole picture of American life that this new direction will circle back on all that has been accomplished by the company and people who work there. The new word is Sustainable.

Individual people have a sense of what sustainability is while businesses and power brokers do not. Built into the human psyche is that biological imperative to procreate. Each person feels a need to pass on his or her genes, ideals, morals and wealth to a next generation. Fathers want sons to carry forth the surname. Fathers start businesses with their name and add "Son" or "Sons" to it in the hopes of sustaining the hard won successes of the father. Boards of Directors will adopt and abandon any name which suits its goals to sell goods and services to make the profit it needs to satisfy the investors. Corporate businesses will hire and dispose any employee who they feel benefits the bottom line. For businesses the world is composed of lines that have a beginning and an end. They prefer it that way.

Consider the timber logging industry. They get legal access to a stand of trees, cut them all down and move along to a new stand of trees leaving the clear cut slopes to fend for themselves. It's a beginning, a middle and an end. No feeling of responsibility remains after the last tree is cut. After all there are more acres of trees to conquer.

Coal mining operations are the same. Dig coal, pile the tailings and move on. They sell the coal, bury the dead and discharge the injured. Coal matters. People don't. Coal is wealth. People are liabilities and expense. As long as there is a vein of coal to dig the mining companies can proceed in straight line along the seam. As long as there is another miner, old miners are put aside like a rusty drag line bucket.

We allowed industries to turn greenfields into brownfields and pull up stakes leaving the land to sit vacant and poisoned. Beverage containers typically track a linear path from manufacture to a landfill serving one portion to a customer.

These paradigms of consumption work only as long as there is an ample supply of materials and energy to make things and ample space to dump the trash afterward. This model of sustainability is depends on the idea of infinite supply and cheap processing. It depends on a society willing to allow a business to ignore the negative side of production – the waste products.

Through a much maligned Federal oversight and regulation, many industries have been required to restore their wastelands to pre-operations conditions. They have been required to do a better job of not mucking up the environment in the first place. Businesses respond reluctantly when they respond at all. They cite the increased cost of their goods and services to the consuming public as the reason to be allowed to pollute the air, water and land. Businesses are willing to pick up and move when they have fouled their sites. Settlements of people are not so inclined or mobile. They end up tolerating the non-sustainable practices of businesses.
Other blog posts that are related in a Series

todays-reasons-to-exist
shared-history
reason-to-exist
factors-that-are-missing
sustainable-community

Saturday, November 15, 2008

Sustainable Consumerism

The global economy has been sinking into a quagmire allegedly created by the magnitude of crappy mortgages that turned into foreclosures in the seminal year of 2008. Everything seemed to be going along reasonably well until something happened. People went to work and earned their paychecks. Mothers shopped for groceries and toted the children from one after school activity to another. Consumers bought new cars, flatscreen TVs, cell-phones and iStuff. Cable and satellite content delivery utilities put every conceivable sports event on screens in millions of American homes. Beer and a multitude of fried potato and corn products ran aplenty. Tens of millions of Americans earned a paycheck, received a pension payment, got a public assistance check of one kind or another, and dutifully spent all of it on the consumables, commodities and utilities and medical bills. All seemed right with the world.

But lurking just beneath the surface was a condition so insidious that it would bring down the global economy in a way that the most diabolical arch-villain criminal mind could not even imagine. On top of that, it was not especially dastardly in its character. One could not point to the evil doers and single them out for punishment.

The unsustainable geometry was that there isn't enough income in this country to buy all the stuff that needs to be bought in order to keep everyone employed. The situation becomes even worse as more and ore jobs migrate to less developed countries to allow their people to earn the living that they need. They can make the products but not afford to buy them. Therefore, they are not the consumers that we are.

In order to pay for all that stuff, we needed to borrow against our most valuable assets: our houses. As our real buying power from earnings fell over the last decade or so, we supplemented it with the easy credit that the financial sector was so eager to provide at 6% to 18.99% compounded interest. The system had no option other than to implode. It could not be sustained nor could it expand indefinitely.