About Me
- Matt
- I'm a Social Anarchist and an avid reader of comics. Twitter handle is @armyofcrime.
Wednesday, November 25, 2009
Degrading shitwork
Monday, November 16, 2009
Essential Anarchist Texts
Blackest Night
Sunday, October 18, 2009
And pray for a resurrection...
Alan Moore's trash is another man's treasure?
No good superhero stays dead.
Monday, September 14, 2009
Police force as a subsidy to Landlords
Thursday, September 3, 2009
Democracy is coming to the USA...
I think this article illustrates the true nature of Health care reform: http://www.latimes.com/news/nationworld/nation/healthcare/la-na-healthcare-insurers24-2009aug24,0,6925890.story
Tuesday, August 18, 2009
Describe a revolution while standing on one leg...
Friday, August 14, 2009
Community Technology
Tuesday, August 11, 2009
Say you want a revolution?
Monday, August 3, 2009
The Ghetto in our Hearts
As the Gilded Age winded down, the great business empires were continually frustrtated by their failure to achieve either monopoly or industry cartels. US Steel, Standard Oil and their ilk were enormously wealthy, but unceasing competition were starting to contract profits of these unwieldy behemoths. And they did what every good businessman in trouble does: ask the government for help. And although there was much dis-agreement between business leaders, regulators and the Presidents, the major continuity remained clear: to cartelize each industry to provide "stability". Competition is war, after all, and war is Hell.
A good example is Teddy Roosevelt's Pure Food and Drug Laws. The Jungle by Upton Sinclair had created a furor for clean food laws. No one seemed to notice that this wasn't the point of the novel, nor (as Sinclair points out in the novels) was the industry opposed to it. The Meat Trust couldn't sell their disgusting products in foregin markets, they had been entirely blocked, and The Jungle was giving them a ton of bad PR. So the Bull-Moose himself stepped in. With the new FDA seal of approval, foregin markets allowed American meat in again, and the public's disgust began to subside. Was there in any improvment in the quality of the meat? In some cases, marginal improvements, more often than not though the regulators worked at the discretion of the Meat Trust.
The Ghetto in our Hearts
Two such books are The Triumph of Conservatism and Regulating the Poor. Both books deal with two areas of the American economy most commonly mis-understood: regulation and welfare.
Triumph of Conservatism by Gabriel Kolko is a revionist look at the "Progressive Era", the period at the tail end of the Gilded Age whereupon the modern regulatory apparatus was born. The book traces the Roosevelt administration and the two subsequent presidencies, Taft and Wilson.
The common myth of regulation has two sides, either the government is filled with naive do gooder liberals who attempt to fiddle with economy, to the detriment of everyone involved, out of either a misguided and quixotic quest for equality, a hatred for the wealthy, or perhaps a deep seated love of Karl Marx; or, the government is simply trying to mitigate the excesses of the market place. Both these views are completely false. They contain a fundamental mis-understanding, a beleif that Big Business and Big Government are opposed. A cursory understanding of history shows the relationship to not be one of either antagonism or even parasitism, but of a symbiosis. Big Business and Big Government feed off and support each other to rob cheat and steal from the rest of the country.
(end of part 1)
Sunday, July 26, 2009
The Strange Death of American Freedom?
Sunday, June 21, 2009
P.S. to Thoughts on Healthcare
Wednesday, May 27, 2009
Musings on Health Care
It sounds absurd (to some) to say it aloud, but our government has taken direct action, through regulation, to increase doctor's pay by creating an artificial shortage of providers. Largely done at the behest of the AMA, these regulations, if removed, would allow qualified professionals from other countries to practice in the US, as well as more people being able to become doctors. The number of providers would go up, the cost of health care would go down.
Under the current tax code, under an apparent attempt to stave off socialism (boo! hiss!), employers are given tax incentives to offer health care to the employees. This ties people to their employer for health insurance. Health insurance is then a commodity where the person who actually uses it is not involved in the choosing of the finer details. An agreement is reached between the employer and a health insurance carrier, and the employee is given some options, A B or C, for example. Removal of these incentives would give more consumer choice for health insurance, and the decreased cost of health care would decrease entry cost into health insurance, leading to more companies. All of this together would lead to a more de-centralized health care industry, as well as a more equitable one.
It goes without saying this is a very complex topic, and these are simply some brief thoughts on the matter.
Wednesday, May 13, 2009
Legacy
Tuesday, April 14, 2009
The Empire Strikes Back
Sunday, April 5, 2009
Gift economy
Sunday, March 29, 2009
Judging a comic by it's cover
Thursday, March 26, 2009
Jimmy Corrigan: The Smartest Kid on Earth
Wednesday, March 25, 2009
Thoughts on property...
Lonnetta and Dwayne took a seat on Rosemary's couch. Dwayne, 52, walking on crutches from a series of recent foot surgeries, explained that he lost his janitorial job in June when he broke his foot. The married couple asked that their last name not be used.
"Welcome to the Revolution!"
Forced to survive on Lonnetta's $637 a month Social Security check, the couple soon became homeless. Social service providers told them to stay at Harbor Light, a homeless shelter in downtown Minneapolis, where the couple would be housed on different floors. Lonnetta, 48, feared being separated from her sick husband who she said needs frequent reminders to take his medication. Instead, the couple started living out of their truck.
A relative put Lonnetta and Dwayne in contact with the Poor People's Economic Human Rights Campaign, a national anti-poverty organization based in Minneapolis.
....
Meanwhile, Honkala grabbed several documents left on the downstairs kitchen counter, including paperwork stating that HUD owns the house. One document indicated that the home was last inspected on February 3rd.
Here we have people actually doing something about the current economic situation. There are those who would question the legitimacy of this action, however. For example, a comment on the original story:
Poverty rights?
Hey, how about property rights? If that property doesn’t belong to you, you have no business there!
Talk about a sense of entitlement. Not that I don’t feel sorry for people down on their luck…but that doesn’t give people the right to trespass or steal!
The first two sentences present a good point: What about property rights? And they people involved certainly did not own the house before they took it for their own. So who did own the house? The article states the Housing and Urban Development Department was the current owner. From their website:
What is a HUD Home?
A HUD home is a 1 to 4 unit residential property acquired by HUD as a result of a foreclosure action on an FHA-insured mortgage. HUD becomes the property owner and offers it for sale to recover the loss on the foreclosure claim
What is the Federal Housing Administration?
The Federal Housing Administration, generally known as "FHA", provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. FHA insures mortgages on single family and multifamily homes including manufactured homes and hospitals. It is the largest insurer of mortgages in the world, insuring over 34 million properties since its inception in 1934.
What is FHA Mortgage Insurance?
FHA mortgage insurance provides lenders with protection against losses as the result of homeowners defaulting on their mortgage loans. The lenders bear less risk because FHA will pay a claim to the lender in the event of ahomeowner's default. Loans must meet certain requirements established by FHA to qualify for insurance.
Why does FHA Mortgage Insurance exist?
Unlike conventional loans that adhere to strict underwriting guidelines, FHA-insured loans require very little cash investment to close a loan. There is more flexibility in calculating household income and payment ratios. The cost of the mortgage insurance is passed along to the homeowner and typically is included in the monthly payment.
So, long story short, the government helps lenders, at the cost of the borrower, reduce their risk. When the home was foreclosed, as so many were when the economic house of cards tumbled down, the HUD took over the home. And promptly let it fill with cob webs. With the housing markets down, it could be a while before the HUD finds buyers, and thus the home-owners are driven out by the police so their house can gather dust. What theory of property rights is this? By what right does the government lay claim to empty property? And property rights theories that protect vacant government lots while families sleep in their cars leads to a question: whence did this theory come? And it seems to have quite the emotion behind it: witness other comments on the original article that express more anger than the quoted section.
Without attempting to trace the origin of the theory that the State has the right to hold property vacant, while children sleep under bridges, through history, we ask ourselves? Who benefits? The first beneficiary is the government, who can turn a profit by participating in the real estate market. As their website explains:
Are there any special programs?
Properties in designated areas are available at a reduced sales price to law enforcement officers, teachers, firefighters, emergency medical technicians, nonprofits and local governments. ... Although HUD does not offer financing directly, some of our homes qualify for FHA-insured loans.
How is FHA funded?
FHA is the only government agency that operates entirely from its self-generated income and costs the taxpayers nothing. The proceeds from the mortgage insurance paid by the homeowners are captured in an account that is used to operate the program entirely.
While exceptions might be made for government employees and charity cases, this system is clearly not run to benefit the population at large. Who else benefits? The banks who have FHA mortgage insurance and real estate agents who get commission selling the homes. And lastly, regular people, sometimes, possibly, maybe. By what right should a homeless couple accept a definition of property rights that benefits everyone but themselves? It is clear that the view of property rights they are running afoul of was likely propagated and/or created by either the State or it's direct beneficiaries.
Property rights were not handed to man, from God, on a stone tablet. They should be part of a functioning society, not an impediment. Property should be some kind of social consensus, not an iron clad rule enforced by those who benefit from it.
If a property is not being used, and the owner, the State, has never used it for anything, why should not someone use it themselves? Have they not abandoned it by letting it lay dormant for so long? Why shouldn't a person be able to appropriate it for themselves, improve in it and live there? The point of all this is that the action taken in the above story is an encouraging action that fits into a world view that emphasizes property rights that benefit society, not narrow parts of it.
These thoughts are obviously fairly brief, but I think a valid point is buried in there.