Lets Try A Common Sense Recovery Plan

I am going to approach this economic crisis that we are in, in two ways, the mundane and then, the spiritual. I first want to say personally, that I am deeply entangled in what is happening to so many people. This is my story:

I purchased a house with my husband that was well within our ability to support. However, my son has a learning disability and I found that in the special class in which he was placed, there were no text books, and basically no teaching going on. The only recourse that I could see was to send him to a special school. The insurance paid for counseling, but not for diagnosis, which was a $2000.00 expense. The medication that he was taking was very expensive even with insurance and so was his tuition. Being hounded regularly by mortgage brokers who made offers that were so good, while we were unable to continue to pay for our son’s tuition, we said “yes”. Of course, at that moment when we promised the tuition payments would be brought up to date, the closer for the mortgage company comes in with the ’switch’ as in ‘bait and switch’, and we really did not get the mortgage that we were promised, but we were already too in need of the money to back out.

At this point, we can’t pay for food, clothing ,utilities, the mortgage and continuing tuition, so we accepted the many credit card offers that came in, only to use for living expenses. Without knowing that the interest rates would only equal a loan shark. I explain my story because when I hear politicians concerned over the fact that the government helping the people who are losing their homes could penalize those tax payers who were not abusive, I think that this is ludicrous. I believe that bailing out the institutions who prayed on those of us struggling so that their executives could bring home embarrassing paychecks is what is insane.

That was personal, now, here is what is logical to me. I have been hearing lately, predictions that this recovery will happen by the end of 2009 or 2010. I still don’t see how. The reason that I don’t see how is because there is a difference between a PH.D. in economics and common sense. Since the 1980’s there has been little government regulation of industry and what regulation there was, was clearly overlooked. And what has happened? This is called the benefit of small government. No matter what anyone says, we are here because the Government wasn’t. Let me repeat, this is what happens when the government does not regulate industry. This is no government intervention in business. As opposed, to total government intervention into our private lives as we have had since 9/11. Ok, Business= no government – the common citizen = Big Brother.

The average CEO went from making 50 times as much as the average worker to 500 – 5000 times as much in that time period. So, while the top of the food chain was experiencing a boom, the bottom was experiencing a bust. The cost of living steadily increased as the incomes on top increased, so the rich grew richer, the poor grew poorer, and the middleclass just grew poor. But no one in Washington saw this coming. No regulators, no analysts, no oversight committees it was just POOF- it all happened in two months! Almost Supernatural!

In the past two years we have lost over 2,000,000 jobs – more than half of those this year. Millions of families have lost their homes, everything that they have struggled to build. Now, the government thinks that putting more money into the banks will help the economy recover. How? If – the banks lend, it will only be to those will good credit which leaves out everyone who has lost their jobs and or homes. Or, it will be fixed by tax breaks. Again, How? If I am an employer who pays for store space in order to sell shoes that no one can afford to buy – why would I hire more employees to stand around doing nothing? Why would I keep the employees that I already have standing around doing nothing? What kind of tax break will make this work for me? If the small businessman receives a large tax write-off for losses, he will be really grateful that now he will be able to make his own mortgage, he is certainly not going to increase production of merchandise that will sit on the shelves because no one can buy. If I were a manufacturer or a store owner I would appreciate my tax break come in the form of paying customers, after all, to go from 50% of nothing to 35% of nothing really isn’t a big incentive. And I think that I can speak for many Americans when I say that an extra 25.00 in my paycheck each week would only change how many times a week we eat pasta. Perhaps an extra 50.00 might help us add a steak night. As for shopping, my department store of choice is The Goodwill Superstore and I am afraid that unless the tax break can in effect double our income, or guarantee a future income, that will remain the only other store I enter outside of the supermarket.

Today, we need 2,000,000 jobs. We don’t even have to create an industry to do it. Hire teachers, hire police, hire firemen, hire healthcare professionals. Hire laborers to build more and better schools so that our country can compete in the industrialized world, good clinics so that everyone can receive adequate healthcare. Instead of guessing how much bad debt the banks have. Let the government take over the mortgages that are at risk of foreclosure and renegotiate loans with terms that people can afford. Let the government take over the homes that have been foreclosed on, locate the families and again renegotiate terms that they can realistically pay. Do this, and it is a win, win situation. The government will see more of its money than it ever will if it gives it to banks. The school system and healthcare system will not be the worst one in the industrialized world, people will be better protected, crime will decrease and most of all – we will have some money to spend and maybe we will not be so afraid of spending it. Then create a supplemental healthcare system for those who cannot afford insurance, and for those medical crisis that insurance companies don’t pay for which destroy the livelihoods and lives of millions of Americans. All of this, if done, can create employment today – create spending today, because if we don’t do it today, by the time the government has created 2,000,000 jobs we will need 8,000,000.

The Republicans like to call this wasteful spending, pork. I believe that tax breaks, at this juncture, is wasteful spending. This is my opinion. Arguably, I am a little miffed. But I would be even if it was not happening to me because I see what has been going on as unconscionable. You know how I think it could have been avoided? I think that if the government renamed the minimum wage a “livable wage”, and raised it to meet the increase each year of the cost of living, corporations would have had to raise all of the wages on up and those at the top would have had less to steal. In fact, if I knew a ballsy litigation firm, I’d beg for the largest class action suit ever seen against these CEO’s of Wall street who created this mess, took government money and still spent in only on themselves while the rest of the country lost everything. OK, now this is my non-spiritual take on this situation. My next post, will be my Spiritual view of what is happening in the world, why it must happen, and how it fits into Astrology and the indigenous predictions.

Because of Today The Brass Ring Can Be Reached By All

• January 22, 2009 – 1:23 am
• Posted in Bi-racial, Life, Obama, Surviving a Crisis, change, freedom, fulfillment, love, poetry
• Tagged choice, constitution, destiny, faith, freedom, God, hope, justice, new age, Obama, obama poem, poem, poetry, witness
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The following poem is dedicated to three men who are not here to read it, but were it not for them, I would not be the person that I am today writing it.

It is dedicated to my father Aguinaldo, my brother Alfonso, and my surrogate father Al Wallach.  These three men refused to yield to what
they believed to be injustice.  They instilled in me the deep conviction, that if we try to hide from injustice, if we tolerate injustice, or even if we ignore injustice, we are destroying any hope that in this world, there will ever be justice.  They were not here to witness this day – but I think that they planned it that way so that
they would have the best seats in Heaven.

Today the World Changed

I did not receive a release of my debts

But still, a debt was paid this day to a people,

To my people

Today the world changed

For one moment

Those men who sat for days to build a foundation

Upon which a more perfect union could be built

And those slaves who gave their blood, sweat and tears

To lay the bricks and mortar that would secure that foundation

And the Red man, from whom all of this was taken

Rose in silent witness

All of those souls – joining hand, and heart

Standing side by side cried tears of Joy

For the resurrection of the Spirit of America

Today the world changed

Not with a bang – but with a whisper

A whisper that resounded throughout the world

And into the Heavens

The sky did not fall

Only that impenetrable ceiling upon which, the words,

“You may rise no further, this club is for “White Men Only”

Came tumbling down like the walls of Jericho.

Today the world changed

The last unyielding, inhumane, bloody chains of oppression gave way,

The spirits of my Hebrew ancestors who escaped Egypt

And had cried that they could not be really free until all mankind was free

Stand, arm in arm with the spirits of all of the slaves that toiled
to build this country as the they had once toiled to build the pyramids,

Together their tears of joy rain down on us,

For they are all finally free, and the yokes of slavery and fear

Are removed from their generation

Today the world changed

Millions gathered ,of all ages, races, religions, genders, gay and straight, from all nations and all political ideologies

And above this multitude of men, women and children

Unnoticed, inconspicuous

Flloated  a multitude of Angelic Beings

All huddled together to bear witness to

the New World of Man,

the resurrection of Hope,

the resurrection of faith,

And the resurrection of Divine Love,

Today the world changed

The President of the most Powerful Nation in the world,

Was  raised up by the hands of the thousands of slaves who laid

The path that he walked , who built the stairs that he climbed,

And with pride and overflowing hearts they placed him in the highest seat.

They were able to work through the pain, the blood, and the exhaustion without giving up,

Without laying down to die,

Fueled and Driven by the faith that

One day, if they built it -

He would come

and complete the circle.

Today the world change

Never again can a teacher tell a little black, Hispanic, or native American child,

“You cannot reach for that goal, why even try, just wash dishes, clean houses

Get those foolish notions out of your head”

Never again, can a teen on the corner selling drugs to other teens

be able to say,

“The White man condemned me to this life, it is not my fault”

Never Again will the Black, Latino or Asian child be able to say that there is nothing more to aspire to

because they are Black, Latino, Chicano, or Asian

except to die in a gang.

Because – this day, if we look to our left, and we look to our right, there

Is the White man -

He is not in front -

He is not in control,

He is one of us – Today, the united States of America had declared this from here on,

Open seating

Today the world changed

No more can a boy or girl, living in a blighted ghetto or an arid dying suburb say,

“I cannot become whatever I want”

No one can ever, from this day forward say, I can’t.

No excuses left – no justifications left,

There is no greater or more meaningful role-model

Than the President Of The United States.

Today life’s struggles are still overwhelming us,

The tunnel which now darkly surrounds us

Has become neither shorter, nor easier,

And for so many of us – the light at the end of that tunnel,

Has grown no brighter.

Today the roof of my house shelters my family,

Tomorrow, it may be the roof of our car,

But if I have to struggle through the challenges of each day

This is the world that I want to struggle in.

Today the world changed

The dark and spiritless landscape that I stared out at yesterday

Has become a garden with the just  the tiniest buds of hope, of possibility, and of Light.

Whatever lies ahead for me, I have lived the best of my life.

My greatest fear was that my children would not have the chance to know

what the best might be.

And I know that the best that lies before my children will be much different than mine -

For mine was not real, it was made of glittering dust and ashes of the material world -

like a star we see far off in the distance of the night sky – so beautiful, yet

As soon as we see it, it is dead -

As soon as we obtain that far off material goal – it too is dead,

Ashes to ashes – dust to dust -we search for the next one.

Today the world has changed

The world of my children will not glitter,

It will radiate.

They will remember what being drunk with the world destroyed,

And so they will seek joy – and not intoxication.

History will record that this date ushered in a New Age

This is a great man,

but a great man cannot climb great heights alone

A great man can only accomplish great things by standing on

the shoulders of ordinary men and women,

Today the world changed

It changed because of white, black yellow and red, Jew, Christian,
Muslim, Sufi, Buddhist, Taoist, Hindi, Mormon, Atheist,, Agnostic, and
all other faiths -

men and women, gay and straight,

and the littlest of children,

the tiniest of Angels,

all raised him up, with their voices, and their prayers

pledged their toil, their struggles, their nickels, their dimes, their hopes and their dreams.

Because although this man is great

equally great are the people, the nation and  the world that would not let him down.

Today the world changed

Because one man claimed his place in history,

and showed us that we must claim our voices,

We must shout from the rooftops until we are heard,

And never, never be silent again.

He reminded us, and the world that this is our country -

and in the greatest sense – it is the country of the world -

there is no nation that does not have its own seeds planted in this garden.

And Today the World Is Proud to Be An American

And I am proud to have my country back

Today the world changed

I have my Statue of Liberty back,

This Lady was given to us as a reminder of who we are,

and why we are,

As clearly etched eternally on her foundation:

I have taken my faith back,

Knowing in my heart and soul that this moment has sealed it

forever.

Whatever happens, for better or for worse cannot erase,

cannot tarnish,

cannot touch in any way the undeniable fact,

That Today Happened

And it happened to every man woman and child in the world,

And with that faith – I have a reason to go on.

Today the world changed

The Last Great door opened wide today

The Last “Whites Only” sign

Has come down,

And with it, the last excuse for not trying,

or forever yielding the fight Before it’s begun

The White Man has not surrendered -

better than this,

He has realized that we are all in it together

And to stand, we must stand together

Today the world changed

All because one man, foolhardy enough to think that he could,

Promised millions of people around the world, that, “Yes We Can,”

And yes, together we did,

Today The World Changed

This is for every little child of every race, religion, and national origin,

you can dream even bigger,  reach for that far off star

even farther,

And for every man or woman who sees -Nothing

Whose lost -Everything,

You!  Find that dream, dust it off,

And dream it like you’ve never dreamed before,

Search for that star

You long ago lost track of,

And MOVE!

RUN!

REACH !

Everything is possible so long as we

Can hold our dreams

and keep our eyes on our stars,

Today the world changed

Today, with brown hand placed on the Bible, this man said, “I accept”

And we heard his heart say to us,

I accept your trust, I accept your faith,

I accept your dreams and your hopes.

I accept your need to believe

and I will honor them,

and I will honor you

with every breath in every day.

Today the world changed

On this cold, clouded winter afternoon

We were warmed, united in sacred ceremony

That at last

Meant something

in a place within each of us that we no longer dared go,

Under a common shining light

As One Nation, under God, with Liberty and Justice For All

It matters not what tomorrow brings -

whatever it brings will pass

Only this moment will shine forever

Through whatever darkness lies ahead

It will shine

It will shine until the last hungry child is fed,

It will shine until the last sick child is healed,

And it will shine until the last guns have been beaten into plowshares,

And until the missiles have been beaten into pruning hooks:

and nation no longer lifts up a sword against nation,

And  neither shall we learn war any more.

Today, The world changed

And nothing again as long as we live will ever be deemed, impossible.

Denise Gibel-Molini

How Did We Get So Broken?

“Consumer spending accounts for about two-thirds of total spending in the economy. If the level of consumer spending is high, the economy will experience high levels of production and employment; the economy will be booming. On the other hand, if the level of consumer spending declines, the level of production and employment will decline; the economy will be in the doldrums. According to Keynesian theory, the most important determinant of consumer spending is the level of disposable income of households. Important non-income factors that affect consumer spending include consumer expectations, the level of consumer indebtedness, and the wealth of households.”

If we are a nation, and not just people living within close proximity to one another, then to me, that implies a certain amount of unity – a family in the loose sense.  The reason for government, it seems, would be to ensure that there is a system for all, and that the system works for the people – all of the people.

The situation that we are in today, is the result of an economic system.  I am assuming that ‘free enterprise’ is free within the boundaries of some general economic system in place to prevent the bankruptcy of the nation.  However, I have to say that I am absolutely amazed that no one involved in the ’system’ that we have here in this country saw this coming.  I really mean amazed, shocked, astounded – because I can’t see how our ’system’ as it is, could ever be expected to work.  It seems to me, that it doesn’t even work in theory.

It’s like a monopoly game where one player has managed to buy all of the hotels.  Now, since that player owns all of the hotels, he now decides to raise the rates to an exorbitant amount.  It doesn’t take very long before the only player with any money is the one who owns the hotels.  Unless he now plays with himself and pays himself to stay in his hotels – the game is over.

I remember after about the first year after we declared victory in Iraq I read an article  by a man who said that he witnessed the ‘war games’, that generally precede a war.  In these games he said that all different scenarios are usually played out in order to understand what we are getting into and how we will get out of it.  He said that the problem with these particular games was that there were no real scenarios played out.  All possible outcomes of each action were not played out.  In other words, we were unprepared because we were not willing to risk the possibility that this could not be a wise move.

So, I’m wondering, when all of this deregulation was pursued with such enthusiasm and gusto, and all of these protections were set in place to protect big business, did the heads of the government in charge of finances and whatever economic ’system’ we have in place, map out the possible direction that these new ’systems’ could take us?  Because it seems to me that this was much worse than looking at the patriotism, and self-restraint of corporate America through rose colored glasses.  It seems to me, that it was something like taking a bunch of junkies and letting them loose in a heroine den saying only, “We trust you to show restraint”.  Yeah, right, that works.   I don’t understand how a government that felt it necessary to create a ‘minimum wage’, however miniscule that minimum is, did so because it realized that greed could not be self-regulated.

Of course, being on the bottom end of the bottom that is falling out, this situation that we are in is a bit troubling to me.  Still, what I find the most difficult to understand is that it was allowed to happen.  If this is a consumer driven economy, it seems to me that until the consumers can find jobs, affordable healthcare, and then find their way out of debt, then, and only then – at some distant time in the future, one that seems far far away will we once again have the disposable income to again drive the economy.  I only hope that while most of us are too poor today to even drive our cars – let alone drive an economy, the government figures out that giving money to the companies whose addiction to wealth and power put us into this mess, expecting them to then turn around and make things all better is like giving a junkie the cash to repay the mortgage he took out to buy his drugs.