Sunday, February 26, 2017

Rocky Mountain High

Phil: I think people place too much emphasis on their careers. I wish we could all live in the mountains at             high altitude. That's where I see myself in five years. How about you? 

Rita: Oh, I agree. I just like to go with the flow. See where it leads me. 

Phil: Well, it's led you here. 

Rita: Mm hmm. Of course it's about a million miles from where I started out in college.


From  The Movie Groundhog Day


Many of you know that “Groundhog Day” is one of our favorite movies of all time.  We watch it about twice per year (and always on February 2nd) and we are at the point where we probably use a quote from the movie at least once per week. 

 For example at least 10 times per winter one of us turns to the other while skiing on a beautiful “bluebird day” and say “Let’s Live Here” (Utah was certainly in mind when we remember the follow-up line “we’ll rent first”).  Our place in Vermont we named “Marmota Acres” after our furry friend and the groundhog that lived under our deck in Stowe was always referred to as “Murray”, after the leading actor in the movie.  In fact my Blog name as you may note is “Murray Rider”, a carryover from my first “travel blog” back in 2010.

Ok you might all be, wondering, where are you going with this?  Well a couple of places.

First, I want to ‘lighten up” a bit for a couple of weeks with some more “human topics”.  Ido  have a couple “heavier” pieces started but after my anti-IRS rant thought it best to get on some lighter thoughts.

Second, from a personal standpoint and in line with my movie quote lead-in, I wanted to let you all know blog posts will be hit or miss for at least a few weeks.  We have “ski company” coming Tuesday for a week (yea!) and then with the arrival of my sister next Sunday, Barbara and I will be heading out for three days in Winter Park Colorado.  We hope to purchase our new permanent residence in this Colorado Mountain Resort town (we do plan on spending a summers back East and keeping our Vermont Home as a Mid-summer and Autumn residence).  Utah has been great (more on that next post, as well as commentary on some other places we have lived) but Kids and Grandkids in Colorado are pulling us in that direction.

So that is where my movie quote came to mind,  Winter Park is at 9,000 feet and we are leaving Utah’s 5,200 feet behind (moving on up I guess).  I could not resist the reference to living at high altitudes!

I have a theory on this, picked up by looking at stories of people 110 plus years old, that living at high altitudes increases average lifespan and is a healthier lifestyle.  My “bias”  seems confirmed by at least some science-just see this article as an example…(from Colorado of course as my Dad once said “you never heard a huckster yell rotten fish”).


So maybe a few of you have your own theories on how to live a longer, healthier life,  or other comments on why you live where you do, If so maybe you can share with the rest of us!  Otherwise I hope you all are doing fine and I will be back in a week or so!

 Until then
Adieu


(PS.  Yes I see this Colorado study also says smoking cancels out much of the benefit…I still intend to enjoy my cigar 2-3 times per week even in Winter Park! it keeps me mentally young!) 

Thursday, February 16, 2017

My Confession and Penance

Let me tell you how it will be
There's one for you, nineteen for me
'Cause I'm the taxman, yeah, I'm the taxman
Should five per cent appear too small
Be thankful I don't take it all
'Cause I'm the taxman, yeah I'm the taxman
If you drive a car, I'll tax the street,
If you try to sit, I'll tax your seat.
If you get too cold I'll tax the heat,
If you take a walk, I'll tax your feet.
Don't ask me what I want it for………


The Beatles “Taxman”

“The art of taxation consists in so plucking the goose
 as to procure the largest quantity of feathers
 with the least possible amount of hissing.

Jean-Baptiste Colbert
French Minister of Finance for King Louis XIV


I am finally going to wrap up my Tax Saga on the flip side of my 2014 Tax Experience.  How the incremental cost of taxes (for us) and a system of powerful unresponsive bureaucrats outweighed what I saw as the benefits of continued full time employment even though I was at the financial peak of my career.

The decision Barbara and I made together in 2007 to retire early was based on a bunch of factors, and yes taxes influenced a part of it. One was my health, which at that time was not great.   The job itself was very demanding (I was in the middle of a corporate firestorm as mentioned in an earlier post).  I had to travel ungodly amounts and during my travels I often thought of my father who retired in his early 60’s and died at age 72, only a few months before he and my mom were to celebrate their 50th anniversary.  Another was our years of pretty standard middle class “vanilla” style living with an emphasis on saving  which left us with a nice nest egg.  We only owned one “home”-in Stowe as we sold our Yardley Home when Eric left for the Marine Corps.  We never bought boats, fancy cars etc. when I started getting greater recognition at AIG.  Much of that recognition went into our savings.  On the flip side my “leverage” in the company was extremely high and my “prospects” for continued employment and financial reward was good.  AIG’s financial woes with mortgage “bets” had not started (well at least not yet surfaced).

Somehow, however, the extra money they paid me did not seem so much after the various tax authorities got their hands on it. I found that despite the increased pay, my incremental increase in salary was being taxed at higher amounts.  I found that instead of taking home say 75% of what I made I was taking home about 60%.  In other words a future 10% raise amounted to 4 or 5 % at best.
Let me further clarify my definition of how much I “took home” (using the same benchmarks as The Clintons). It includes all federal payroll taxes, state and local taxes and charitable giving.  I feel it boggles the mind to contemplate just how much taxes our governments really collect.  Not included in my numbers are gas taxes, sales taxes, liquor taxes, tobacco taxes, soda taxes, that tax on your phone bill, fuel surcharges etc. etc.  On corporations there are lots of taxes, I paid some when I ran my little consulting business.  Heck The Town of Stowe has a local tax on restaurants and bars, which we contributed too frequently. When one thinks about how virtually EVERY state and local government is “underfunded” and how the Federal Debt climbs EVERY day I get a sense it really is a house built on sinking sand despite all these taxes. Yet so many say we need to tax more because we need to spend more. Mercifully guys I will talk about “spending” in some other post.  Maybe Zuckerberg, Buffet, The Clintons and The Trumps (if he paid any) should pay more but if you really study the situation you realize it will not fix our underlying problems.  In theory their taxes are shaved by lower individual rates on non-wage or “capital” income but in reality Corporations Profits which are distributed to them are generally taxed heftily, before given to stockholders. 

Ok to move along, in case you have a question as to why charitable giving is included in my totals I need to clarify because it becomes doubly important to my story.  First we have always felt of it as a chance to give back some of the incredible blessings we received.  Second by supporting others it may decrease their need to ask the government for help.  Finally this is “recognized” in the tax code by a tax deduction which means our political system attaches value as well.  Yet it was this giving and a tax event that occurred in June 2007 which really disheartened my whole attitude about the Federal Tax System. 

In 2007 Barbara and I went through what I felt was a brutal IRS audit as they questioned the veracity of our prior returns deductions for Charitable Contributions.  Now understand we had for years a personal commitment to tithe not only all to our church at the time but to credible organizations like the Red Cross, The local Women’s and Homeless Shelter’s, The USO, Salvation Army even Lafayette College (Back Then).  We always included the original documents from these charities (letters from them documenting the amounts etc.).  Suddenly the IRS advised us they were unilaterally disallowing these contributions within 30 days unless we provided “additional evidence” it was a large amount of back taxes and interest presented as a bill.  When we asked what is meant by additional evidence the IRS responded cancelled checks, period. Now trust me this was not a nice polite letter indicating can you provide some additional info as we need to verify our file.  It was a bill and a threat.  Welcome to the judge, and jury and oh we think you are a crook.  As luck would not have it we had issued these checks from a combined broker/cash account and had switched a few months prior to a different one. Even back in 2007 nobody sent you cancelled checks you had to get them online, something we no longer had access too.  In addition at the time our Son Eric was getting ready to deploy to Iraq so we asked the IRS if we could have a couple more weeks.  The basically said F you and so we (well Barbara) scrambled to get copies of checks etc. and express mailing them to the IRS.    Well as luck would have it they………lost them internally.  Despite our postal record that they had received them they got more arrogant and demanded we resend them.  Apparently they believed we were tax owing cheats and indicated they would also start to assess garnishments and penalties.  I kid you not.  My tenacious Editor spent hours demanding and getting an advocate within the IRS to whom we eventually got the ANOTHER copy of the information to and finally the IRS conceded that our cash contributions “checked out”.  You would think we were done but oh no.

 A week or two later we were notified that our “Non Cash” deduction of $475 to the Goodwill (whose receipts we also sent) was disallowed.  Now when we moved to NY in 2006 we gave away tons of household goods, many to neighbors but a lot to Goodwill.  Things like furniture, clothes, sports equipment etc.  I had receipts for over $1,000 dollars from Goodwill but that nice tax adviser I mentioned in a prior post felt that might be tough to “get by” the IRS without actual photos (never thought of that).  So we declared what he thought would be something they would not question without a possible issue.
Now this last insult REALLY ticked me off.  I wrote the IRS and said sue me.  I explained our move and that I could have held a yard sale pocketed the money and never report it.  I did not hear back, thank goodness.  I would have hated to pay a lawyer for that. At the time  I was prepared to fight further by showing how the Clinton’s (yes I am sorry to bring them in again but I had to share the full story) when he was governor of Arkansas deducted $2.00 for a pair of donated underwear (if you need a laugh about non-cash deductions read this 1993 article from WaPo I was going to print and send to the IRS back then) https://www.washingtonpost.com/archive/lifestyle/1993/12/28/bill-clintons-great-skivvies-give-away/0dac853d-cf3d-4faf-8104-bcf124bd93b4/?utm_term=.5df007838cc0 but thankfully never had to play that card.

So in a nutshell a person who never complained about paying his fair obligations and felt it important to support my country financially was disillusioned by it all.  I felt that working and paying taxes to a system that looked at me (and my success and generosity) as an “enemy” was simply not worth it.  We could live a comfortable enough life with less income and lower tax percentages.  My 2014 tax year sure proved that! So in the late summer/early fall 2007 I went to my boss at AIG and informed him that I would like to retire in 18 months.  After some shock and dismay they asked if I would consider working a just few more years.  I then negotiated a shorter work week working out of my house in Stowe for two years.  Not surprisingly the shorter workweek lowered my income about 20% but my “take home” remained virtually unchanged, wonder why?  

I am ashamed to admit this but in the years after I became more a than a little obsessed with legally “screwing the feds” I shifted a significant percentage of our savings to municipal bonds (exempt from Federal Taxes) in part JUST to not pay taxes I regulating my consulting hours (a luxury I understand many do not have) to four or five days per month, mainly to enjoy life more but as an added benefit it minimized my tax bracket. Yes, less work and gross income but not as big a hit to net income. My Federal and State Tax bills went down and down until lo and behold thanks to that “windfall” Trade Adjustment tax credit out of the blue I succeeded so much with a little luck I paid a  2014 negative tax which I achieved in the fall of 2016.  Take that IRS!!!!!  It was also the inspiration to starting this blog.

OK so why am I boring you all with this, besides feeling a bit evil that I succeeded in an objective to legal beat the IRS and a crappy tax system that I believe is a disgrace. In my earlier posts a couple of you agreed, but all of us tend to just shrug and move on saying it cannot get fixed.  However, I am convinced that without real tax reform we as a nation will slowly strangulate.  Not just because cynics like me do “tax avoidance” strategies but I think it becomes a motivation for many to work less- both the rich (tax avoidance) and the poor (entitlements make marginal employment not worth it). It also has given rise for many to work under the table. It breeds cynicism about “fairness” from a majority of citizens.  Certainly I feel a little guilty now, not for achieving a weird goal, but for not paying my fair share.  Consider this Blog post my confession and penance, but while I will support real tax reform I will continue to personal maximize my tax strategies.  Maybe if we all did it our elected officials will affect some real change. I do not hold my breath.

Thanks for listening to my confession, now I feel much better!

With that I call it quits on my tax discussion.  My editor tells me all this has been fun but give it a rest! I do welcome any thoughts you may have on this specific topic or the blog in general. 

Until next week

Adieu

Monday, February 13, 2017

And The Winner's Are!

‘Money, Money, Money
Must be Funny
In a Rich Man’s World”
              Abba

Well we have winners!  The Mystery Couple was William and Hillary Clinton:
First Congratulations to the following:

  1st Place Stowe Friend John Del Negro-Emailed me 10:07 PM on 2/7 -$50 Bucks

  2nd Place    My Sister Susan Hodnot-Emailed me`11:49 AM on 2/9-$10 Bucks

  3rd Place  College Friend Phil Gocke-Posted blog Comment on 2/11-No $ just                                        recognition. 

Prize money will head out tomorrow.  Cash flow issues on my end….

I am going to finish up my Tax thoughts in a post tomorrow or Wednesday (I am still groggy from my golf weekend) but I want to make some comments about my use of the Clinton’s tax returns.

First I did not have our physical tax return from 2007, only my own “Quicken Data”.  Our 2007 return is in my garage attic in Stowe.  I can attest that I am pretty sure my numbers are very close to what I used for us.  I did however want to get some confirmation data and I realized that at least one of the two NY resident presidential candidates released their tax returns.  From there getting the returns was easy.

Second, about the Clinton’s returns, remember that this was after The “Bush” tax cuts something I do not think (but am not sure) Hillary voted for.  I would also add that a quick look at their 2015 return had about 1/4th of the income that they had in 2007 with a 61% payout to the items I listed in my last post.  Clearly from a tax perspective they are paying some hefty taxes.  I would add that is in their political interest to be transparent and to be good taxpayers.  I have thought that “tax return” politics (for example how Harry Reed vilified an honest man like Mitt Romney in 2012) has made the legitimate desire to know foreign income or illegal income etc. blossom into a push to make political points on honest people who follow the rules.  Fair game I suppose but as a result we had a presidential election where many decided “who cares” and thus our new president showed politically it was smarter not to show his.  Kind of like political Karma!  Anyway my using The Clintons was not intended to use them in a particularly negative or positive sense, just as a “perspective” and coincided with a year that I realized working harder and longer was not worth it to me, a subject I want to FINALLY get to on my next pos

A parting comment: has anyone seen the John Hamm commercials for HR Block?  It touts using the world’s most powerful computer (Watson) as a tool to help the average guy on their taxes. I first saw it on Super Bowl Sunday and thought why could anyone doubt how bad our current tax system is?    I say it must be terrible that its’ complexity is used as a marketing tool for Tax Preparers and Computer Companies.  Dwell on that over your morning coffee!

Meanwhile,
Adieu.

Tuesday, February 7, 2017

Winner Winner Chicken Dinner

 "Son, I've made a life
Out of readin' people's faces
Knowin' what the cards were
By the way they held their eyes
So if you don't mind me sayin'
I can see you're out of aces
For a taste of your whiskey
I'll give you some advice"

“The Gambler"
     


OK Bloggers come on down!
Want to make some money?

In an effort add some excitement to this blog and see who is awake, I decided to make this week’s blog entry on taxes is a contest (must be listed as a follower to win).  The first place prize is:

$50!

Yes I will mail a check (it will not bounce I promise) to the first person who emails me the last name of couple A below.   All entries must be submitted to me only (no giving away the answer or you are disqualified) by Sunday the 12th of February.

There will be a 2nd place award of $10 and a third place award of ….special recognition on the blog.

Here is all I will provide.
 
The following information is tax information from two couples (Married, no dependents) who lived in NY State in Tax year 2007.  I have left off the actual dollar amount of income from couple A, while couple B is Barbara and I.  Couple A really exists  ( I would think at least 80 percent of you have heard of them) and I have personally reviewed their detailed Tax Information and can verify that their return appears complete and accurate.

I will reveal more details about this couple next week as I will be away in Southern Florida playing golf until Sunday.  I will also use this info as the basis for my discussion in next week’s blog about taxation.

One tiny thing to note, Couple A had “top line” income 40 times more than Barbara and I did in 2007.     

                                                              Couple A                                        Couple B

A.      Gross Top Line Income                 XXXXX                                               1/40th
B.      Total Federal Tax % Paid on A       24.70%                                            23.00%
C.      Charitable Contributions                 14.50%                                            10.70%
D.      State and Local  Taxes                    12.02%                                              6.60%
E.       Social Security                                    .03%                                              1.03%
F.       Medicare                                              .01%                                              1.07%    
G.      Total % going to above items          51.26%                                            42.40%


See you next week and good luck to all …except my editor who is ineligible to win!

Adieu

Thursday, February 2, 2017

Epiphany Courtesy The New York Times

"When Chekhov saw the long winter, he saw a winter bleak and dark and bereft of hope. Yet we know that winter is just another step in the cycle of life. But standing here among the people of Punxsutawney and basking in the warmth of their hearths and hearts, I couldn't imagine a better fate than a long and lustrous winter."

Phil Conners: Groundhog Day
  
      


Editorial Alert Bait and Switch for today’s blog no “tax discussions” today…


While riding home from a Costco Run (with my “Editorial Critic” and my mom) we had to make a stop at the Dollar Store so my Mother could look for Valentine Cards for her Great Grandchildren, they were two cards for a buck.  While my Mom spent 35 minutes clogging up the Valentine Card area shopping for 5 cards, my mind wandered to “My Blog”.  This tended to upset my Mom who kept asking me to read her the cards (her sight is terrible).  Since she could not see well she kept picking out cards for Mom or Dad or Sister etc.  Over and over again she asked what does this say, my reply “Dearest Daughter and her Husband” or whatever was always met with “that isn’t any good”.  Whenever I showed her an appropriate “relationship” neutral card she frowned with “I do not like that one” because the puppy was not smiling or something.  We finally got out of there with $6.95 worth of Non-Hallmark cards (hey at 2 for a buck why not).  She handed me a $20 to pay the cashier and when I gave her the change she kept $13 and told me I could keep the nickel.  Gee thanks Mom.
Anyway on the way home from the Dollar Store my “Editorial Critic” suggested that I lighten up a bit on the Blog, as sending links to Haidt videos just might get old, like real quick.  She suggested I try to be more “fun”.  Huh?  Well I will try but be forewarned I get pretty philosophical after halftime.
I pondered this as we arrived home and low and behold my Karma came to me.  In the mail was my quarterly check from The NY Times.  I have posted a picture of the check to lead off my blog.  So first a quick bit of humor and then a little some “food” for thought.
A couple (I can think of 2) of people who are blog followers have heard this NY Times story.  If they want they can skip right to the Food Section.  Otherwise read on.

How I became “part owner” of the NY Times:

I cannot remember the exact date it happened but one weekend in the summer of 1998 or 1999 when Barbara and I got or first invite as guests of Hank Greenberg (he actually was away and Barbara did not meet him that weekend) at AIG’s Private Gold Course in Brewster NY.  There were about 5 cottages on the premises and about the same number of couples attended.  It was a regular thing many weekends and an invite (which only happened three times in my career with AIG) was an honor (I guess it was an honor but when two months later your operation is billed right down to the golf balls and golf shirts they “gave you” it’s like I thought I was Hank’s guest!)  Anyway on Sunday Morning before golfing Barbara and I sat down for breakfast.  At the only “free table” was our Corporate Secretaries husband who was reading the Sunday Times and mumbling.  He folded up his paper, introduced himself with some pleasantries (like his wife he was a lawyer) and I honestly cannot now remember his name.  I do remember how he proceeded to describe his hatred for that “Liberal Rag” Times and filled us in on his “plot” to bankrupt them. 

He told us he was buying people he “knew”, a single share of NY Times Stock so they had to spend the money cutting a 2 or 3 cent dividend check every quarter and all the other attendant record keeping.  He was confident this strategy could work.  Barbara and I laughed and kidded him how it was a crazy idea but did say you never know!

About a month later via US Mail I get something from the Times.  Lo and behold a single stock certificate for a single share of stock.  Since then the money has rolled in at 2, 3 or 4 cents per quarter.  I have dutifully notified them when I move and sometimes I even like to bypass mobile deposits and have a teller process the transaction.  It’s a hoot.  The stocks worth has gone nowhere and the paper is still the same.  I must say however it has since become my favorite Sunday Passion to read the Times Op Ed section and smoke a cigar.  I find it sometimes enlightening, many times infuriating but always entertaining.  Many times I clip and save them.  I decided today after getting my check today it was time to use one of them for my Blog.

This article in particular struck me very strongly on one October Sunday in 2010.  Food Stamp usage was rising at the time (see chart below) and when I saw this headline I was drawn to read about “Foodies on Food Stamps”   

(Note because my “Editorial Critic” did not want a “link” this week I simply copied most of the article but do not believe I left out anything important.  However I would be happy send copy of link or you can Google it yourself.  Also note the underlines are mine):  
  
Copied from the NY Times Op Ed 10/10/10
Foodies on Food Stamps
 By ROBIN ROMM OCT. 9, 2010 Portland, Ore.

 My friend Allegra’s had a bad year. First, she tore a ligament in her knee playing soccer. Two weeks later, she was let go from the two jobs she worked to pay her rent in a large, worn house just east of Portland’s Broadway Bridge.

“Yeah, it pretty much bites,” she said. We were walking our dogs at Sandy River Delta, a stretch of grassy meadow near the Columbia River. Allegra’s tight blond curls caught the sun, as did her polyester flowered miniskirt. I asked her how she was getting by, and she just shrugged. “Unemployment. And my SNAP benefits work at the farmers’ market,” she said, referring to the Supplemental Nutrition Assistance Program — that is, food stamps. “Some of the markets have this program where if you spend a dollar in SNAPs, they match you a dollar.”

Allegra pulled out a little plastic bag. “Here,” she said, gesturing to a bunch of ripe blackberries bursting on a tangle of bushes, which we started to pick. “I got jars at Goodwill. I’m making jam.”

I went with Allegra to a small neighborhood farmers’ market a few weeks later to experience the match program. The sky was a clogged mess of white and gray, and the market felt lazy and slow.

Allegra doesn’t believe in taking anything unless you really need it. But she can’t work until after her surgery — a surgery that Oregon Health and Science University Hospital is paying for in full because she is uninsured. She gets about $200 a month to spend on food. While we were shopping, we ran into a friend of Allegra’s, a beautiful young woman with loosely pinned black hair, holding a baby. Allegra gave her a hug and cooed at the pudgy 6­month­old. “Are you on food stamps?” she asked her friend, explaining that I was researching an article for this newspaper. Her friend looked momentarily horrified at the exposure, but conceded that, yes, her family was on food stamps. She had recently completed acupuncture school and her husband had just finished a graduate program in art history.  “I spend nearly all my food­stamp money at the market,” said Allegra’s friend. “If you avoid packaged foods, the money goes a long way. And it’s a better way to eat.”

It’s hard not to draw unhappy comparisons between Portland’s markets, where fruit spills from boxes, artisanal sausage sits politely on wooden boards and vats of chèvre soften in the air, and the farmers’ market in Las Cruces, N.M., the city I left a few months ago. Las Cruces sits at the base of the Organ Mountains, craggy, ruthless peaks that cast a shadow over the dry and barren Chihuahua desert. There’s just a short growing season for the smattering of farms and the diversity of crops is limited. Late in the spring and summer, the market does have tomatoes, squash, spinach and basil, but none of it is organic.

Blah Blah Blah etc.

OK This is now a Haidt Test, probably to the extreme.    

A member of tribe A (Progressives / Liberals) reads the article and sees it one way. 

A member of Tribe B (Conservative) reads the article and likely sees it my way.

So how do I see it both in 2010 and today?

First, what comes to my mind every time I read this is the overpriced Stowe Farmers Market selling Artisan Sausages and chèvre cheese while a local band plays Fleetwood Mac to young women in flowered skirts.

Second, the young couple whose wife is an acupuncturist while her husband is getting an advanced degree in Art History, have a baby to support.  I am happy (I REALLY mean that) that this couple is married.  It is something that our society should support and nourish.  However I think of the likelihood that this couple is going to pay back their loans for college in fields best left to Ski Bums or trust fund babies is slim and none. They both seem like likely candidates for a job at Stowe’s Helen Day Art Center selecting big spoons to hang from trees in town and calling it “art”.   I recognize (with a twinge of guilt actually) that I am totally judgmental here.  But in full recognition of my “bias” I cannot read it any other way.  That they choose to live this way is what the idea of a free society is all about, go for it.  What I cannot help but assume is that they want society to provide for them, not just the necessary food but preferably “unprocessed” and (I assume) “Organically Grown” one could probably throw in another buzzword “sustainable”.

Third, as to the young Soccer player who got her surgery for free because of a wonderful volunteer Doctor I like that and agree that volunteerism is a necessary need in society.  Frankly I think most studies show members of my tribe are often more generous with time and money.

 Finally my bias reads so much more into this:

The writer as well as the people she is writing about have, I suspect the “typical” pro-organic, “Anti-Monsanto” mindset.

Now I could branch into the high priced organic food craze where a full share at Vermont’s Peet’s Greens gives you some nice turnips, eggs and some great Elmore Mountain Bread all tasting great but at a cost about 3 times what you pay for non-organic Turnips, eggs and a loaf of packaged wheat bread.   However, should “helping out people” who are down on their luck include artisan sausages and Chevre cheese?  Hey how about Ballpark Franks and some Velveeta.  Yet if I think like this I am somehow less caring about my fellow man?  If you think I exaggerate then why generally does any attempt to restrict or reign in the huge growth in The Food Stamp Program garnered headlines about the mean spirited members of my tribe? 

Any bias needs confirmation so If you think I have exaggerated fears on the Anti Monsanto thing, here is a story for you.  I remember going to get a “message” with Steve and Debbie Clark at Topnotch in Stowe poor Steve got a therapist (maybe she was married to an Art History Major??) who ranted about Monsanto being evil and immoral as are almost all Agri-Businesses.  We all must buy local and sustainable.  Forget that our agricultural system has virtually eliminated food shortages throughout mankind which leads me to my final and hopefully more thoughtful Observation from 5,000 Feet.

Our society, thanks to the greatest economic engine in the world (or because of it) has enabled us to think in terms of more absolute equality.  The poorest amongst us are provided with the “basic necessities of life” beyond our wildest expectations then when say the Great Society Programs got started.  Even those in poverty have cellphones, air conditioning, heat, light and food (we even renamed “hunger” food insecurity) many things only the wealthy had a generation or two ago.  Frankly as a society and a dynamic economy we can likely afford it but in my mind bigger issues are at stake.   

The idea of family being the primary unit of support has fallen by the wayside for millions and the lack of desire for AND in many cases the lack of availability of meaningful work has left so many with less-fulfillment (take the opioid epidemic).  I think that is one thing all this “social justice” misses, as do so many of my own tribe.  Most of us have a desire to help the less fortunate but I am convinced that by giving a pass to contributing ones fair share towards society’s needs (including my Tax Credits) or giving you a pass on contributing to your own support  diminishes us in immeasurable ways.  In a world that has wealth beyond imagination only a short time ago and the prospect that through the advances of capitalism we need less and less “work” for this abundance what does it do to us as human beings??  How to we balance this all in a way that keeps this wonderful engine going yet gets us back to some of mankind’s greater needs, family, community, and faith?

I sure am open to some answers!

Happy Groundhog Day!