Tag: Louisa

The Good, the Bad and the Ugly

For three plus years my wife and I were volunteer repair program managers for Charlottesville’s Habitat for Humanity program in Louisa.  The repair program primarily focused on ensuring folks could safely get in and out of their homes.  This included repairing or replacing decks or stoops and stairs, replacing or repairing exterior doors, installing ramps.  We also replaced or fixed window, siding, soffits, gutters, and the occasional roof.  The work was all done by volunteers.  One year I put 2500 miles on my truck supporting Habitat projects, which reflects the demand for housing aid in Louisa County.

Whether or not a project went forward after the initial survey and scope of work was completed, depended on the client’s income.  They had to make at or less than 50 percent of the average marginal income for the county.   Our typical client was female, over 65, widowed, earning between $8 to $24K per year.  The bulk of that from Social Security.  To say the least, they struggled to keep maintain their homes.  Most had worked their entire adult lives yet have economically drifted downwards into poverty once they can work no longer.  

No defined pensions, marginal savings if any.  The only wealth they have was tied up in their home and land, but without being able to maintain the home or land, its value shrinks.  Given the absence of affordable housing in the county, the elderly who want to maintain their independence and local connections have two basic choices:  Sell and move out of the county or stay in a decaying home.  The Fluvanna-Louisa Housing Foundation is working solutions for this conundrum of Louisa’s elderly, pulling an indifferent Board of Supervisors along with it.

The reasons for the statistic regarding our primary clients are myriad, but three primary causes stand out. Women tend to get paid less than their male counterparts, even if they worked the same job. This continues to this day.  Additionally, women of the generation we tended to work with were limited to careers they could work in, which in many instances, were lower paid.  Finally, during childbearing years, women usually had to quit work or take long periods of unpaid leave.  A triple whammy. Social Security benefits are tied to one’s annual income and lifelong earnings.  So, after decades of work and sacrifices, women tend to have accumulated less Social Security benefits and retirement savings.  Their reward?  Poverty.

The ‘big, beautiful bill’ will add misery to the county, especially to our elderly on fixed limited incomes.  For instance, our elderly clients typically pay Medicare premiums out of their Social Security benefits.  For those that cannot afford Medicare premiums, which I imagine were most of them, there used to be financial assistance through the Medicare Savings Program (MSP).  The beautiful bill cuts or eliminates assistance.  The MSP cuts could force enrollees who earn less than $24K a year to pay an additional $3000 out of pocket for Medicare premiums, potentially $8k if a couple.  Our average client will be devastated economically, to say nothing about the impacts to their health care should they lose Medicare insurance, such as access to prescriptions.  

Speaking of health care, cuts to Medicaid will indirectly impact access to health care for the elderly in rural areas such as Louisa.  Rural hospitals and clinics rely on Medicaid payments to stay in business. Less income will result in closures.  About 17 percent of Louisa residents rely on Medicaid.  Louisa is already a medical care desert as it is, and it will get worse after this bill.  No hospital, no public health clinics (except for Central Virginia Health Services, a non-profit group), and no private urgent care type facilities (not profitable enough for them to come to Louisa).  I imagine that the number of doctor offices we do have will shrink.

Shifting money to the wealthy.  The bill does provide for a senior tax deduction.  If you earn more in income benefits, you can claim a larger tax deduction.  For instance, if you are 65 or older, earn up to $75K, these folks can claim a $6500 tax deduction.  Our typical client would not benefit from this tax deduction at all.  

This senior tax deduction is another way of transferring wealth to older, wealthier folks, and short shifting the young.  Contrast the $6500 senior tax deduction with the $200 dollar increase in childcare tax deduction from $2000 to $2200 per year.  I thought we loved our children.  In Virginia, the average infant childcare cost is $14k per year, about $11K for a four-year-old.  Overall, these types of tax breaks will accelerate the depletion of the Social Security Trust Fund.  Basically, now 2033.  

The bill is big, but it is not beautiful, it is damn ugly, like the spaghetti western, the good, the bad and the ugly.  Mostly the latter two.  It attacks the poor, marginalizes working class women, and transfers immense wealth to the upper classes, leaving many to struggle mightily for safe housing, food security, and access to health care.  About 60 percent of the bill’s financial benefits will go to 20 percent of the population.  12 million folks will lose access to health care insurance.  Millions of working-class folks will lose access to food aid because of “paperwork barriers” designed to reduce the number of enrollees.  Yet, with these “savings” we are going to build a police state through $150 billion in increased funding for DHS agents and a trillion-dollar defense budget.  

Our 5th Congressional District representative John McGuire voted for the bill and issued an ingratiating, bootlicking, suck-up press release fit for North Korea, not America, on the cusp of 250 years of independence from Kings. Like a sucker fish on a shark, McGuire is attached to Trump’s big, beautiful orange ass.

A New “Remedy:” America’s Social Contract Under Siege

America floundered after the Revolution ended.  A confederation of sovereign states jealously guarding their individual prerogatives, bickering constantly, the central government virtually powerless.  The Articles of Confederation was a disaster.  

In 1786 commissioners from five states met in Annapolis, ostensibly to discuss trade between the states and international trade relationships.  Among the 12 in attendance were James Madison and Alexander Hamilton.  They apparently did not accomplish much, but they did agree to meet the following year in Philadelphia, this time inviting commissioners from all the states.  The stated purpose of the convention was not to develop a new form of government, however, that was precisely what James Madison, among several others, intended.  The convention was to create a new social contract between the people and the states and save the union.

The Philadelphia Convention gathered on May 14, 1787. After waiting for more delegates to arrive they got down to business, debating and agreeing on the rules of Convention.  On May 29th Edmund Randolph of Virginia “opened the main business” of the Convention.  Speaking to the “crisis,” that is the failure of the Articles of Confederation, and “prophecies of the American downfall,” he proposed four objectives “to revise the federal system.  We ought to “inquire 1. into the properties, which such a government ought to possess.  2. The defects of the confederation. 3. the danger of our situation& 4. The remedy.”

That ‘remedy’ has withstood the test of change since the Constitution was adopted by the States in 1789. Two hundred and thirty-six years.  The Constitution was and is not perfect, in fact it was not designed to be infallible, like a religious text proclaiming the word of God.  It was made by humans for humans, and they had the wisdom to recognize that things, well, change.   A Bill of Rights was added early, critical amendments were enacted over the decades.  Slavery was finally abolished (although after 96 years of relentless brutality), African Americans and women won the right to vote, birthright citizenship.   It is the social contract that endures and keeps us bound to one another. It’s what makes us American.

That remedy, that social contract, our Constitution is at risk.  Day after day the current administration attacks America’s social contract.  Executive orders rain down like hail stones, crushing the tender plants in our garden of democracy. If anything, they are messages to his base, a veneer of action, but they are also projecting the America he wants and the social contract he envisions. It isn’t a pretty one.

What happens when his attempts at changing the Constitution through fiat fails.  The Supreme Court says, “no.”  What then?  I doubt he will retreat; he will fight.  One way to fight is to organize a new constitutional convention, a new remedy, a new social contract. Can you imagine Georgia’s delegate being Marjorie Taylor Greene? 

Will our most cherished rights disappear into the ether?  Replaced by an authoritarian social contract?  Emojis of flags and flames and fists. If the convention meets and writes a new constitution, I suspect It will fundamentally alter our relationship to the government, and not in a good way.   

If Trump’s executive orders are a guide, a new social contract will eschew separation of powers, in its place a powerful executive, with unlimited terms.  King like.  Gone will be an independent judiciary, replaced by a Supreme Court appointed by the President, serving at his will. Gone will be the House of Representatives and a Senate, replaced by a unicameral body elected by state representatives, a rubber stamp affair.  A state religion declared.  A Christian religious test to hold office.  Separate but equal codified.

Don’t forget about The Bill of Rights and all amendments that will be nullified. Do you see them offering robust press freedoms?  Protecting you from unreasonable searches and seizures.? What about jury trial, or right to counsel.  Do you see that being in the new social contract?  I see the curtailment of rights, women’s right in particular.   Same sex marriage banned, access to contraception gone (Recall Justice Thomas’ call for cases), homosexuality criminalized.  The list of rights rescinded would go on and on.  It wouldn’t be a positivist social contact it would be negativist one, restricting rights not establishing rights.  It won’t be a mixed government of the one, the few, the many.  It will be the one. Is that an America you can live in?

That’s the social contract I see down the road if people stay at home, keep their heads down, and give in to Trumpian chaos and mayhem. Yes, reform is needed to get money out of the campaigns, stopping politicians from enriching themselves, keep the oligarchs from buying elections like Musk is now trying to buy the Wisconsin Supreme Court race, but a new federal system that gives up on democracy – the many — is not the ‘remedy.’  This new Trumpian social contract would be the opposite of reform, it would turn America not back to 1954 or 1859, or to 1789. It would transform America into an autocracy of one man rule..

This weekend, May 5th, there will be a rally at the Louisa Courthouse from noon to two.  Come have your voices heard.  Celebrate the 238th anniversary of the start of the Constitutional Convention in Philadelphia.