You Need a Union

Pete Seeger

Click on the picture to hear Pete Seeger.

In perhaps the best era for the American worker, unions may have reached their peak power during the Harry Truman era. That’s about the same time the drumbeat against them began. I’m not sure how much of this was true, or how much of it was partially true but encouraged and enhanced by corporate PR that has always wanted to eliminate or disregard assertions of worker power. But let’s look at why you probably haven’t wanted to be associated with a union.

  1. They’re corrupt. There have certainly been headline incidents of union heads enriching themselves and pilfering funds. Right up there with corporate heads and government officials enriching themselves and pilfering funds. A more educated and involved membership could help to watch over such fancy accounting.
  2. They’re only for working class grunts. Yeah, that’s what they’d like you to believe. Because if you’re white collar, maybe telling you you’re elite will allow employers to compel you to work without a lunch hour, work at night, work on the weekends…work at their beck and call, because, well, you’re on a salary.
  3. They’re adversarial and only care about the welfare of their members, not the rest of society. This has been going on at least since World War II. Employees being treated fairly don’t have to be adversaries, and member ship groups (including lobbying groups, non-government organizations, and non-profit advocacy organizations…and members of Congress) exist to be strong advocates for their constituents.
  4. They’re racists. Groups that feel threatened will always try to exclude others who might be threatening, especially when there’s a small pie to be doled out. On the other hand, when unions have substantial minority membership, then they’re “only” for that minority. I don’t agree with either stance, and think that it’s in the self-interest of unions to have a large, diverse, and active membership.
  5. They’re selfish in their negotiations. This complaint mainly seems to be based on envy—unions have been able to negotiate better working hours, better vacations, better health insurance and far better pensions than most workers get—in fact, that’s a reason for them to exist. But the real question should be, why doesn’t every worker get these benefits? I used to think, for example, that teachers got outrageous pensions. Now I question why everyone doesn’t get a livable retirement pension.

If you still hate unions, I invite you to watch two movies and get back to me. The first is Germinal, starring Gerard Depardieu. The second is the newer movie, American Factory.  The reason people eventually turn to unions is because they are so exploited and endangered, with little or no recourse, that their only choice is to risk everything.

Nearly everyone I speak with in the healthcare field could use a union. More and more healthcare is driven by gig work (with no benefits), outrageous productivity requirements (aka a virtual assembly line where the belt is continually speeded up), expectations that you will work through lunch and take more home, and fire-at-will if the professional tries to complain about the impossibility of delivering quality patient care. I’m not as familiar with other industries, but I do hear stories. Gig work is a huge step in screwing the worker. The employer has managed to shed the last vestige of responsibility for the worker—hire and pay only when they can make money off the worker, no overhead in providing facilities or equipment, the worker responsible for providing transportation, no benefits (unemployment, days off, health insurance, disability) and, the first to go, no retirement. Getting rid of pensions (the backbone of the WWII generation’s retirement), was only the first step. But hey, you’re free to work flexible hours, and provide your own home for a work site. And gee, we’ll pay you a little bit more than the going wage, so you’ll get snookered into thinking it’s a better deal. (See my post, here, on calculating that.)

Unions need to find a way to organize workers from different employers, different from the model they’ve used historically. They can call themselves professional associations for all I care, but if they walk like a union, quack like a union, and negotiate like a union, they’re a union. As the strong unions in the Scandinavian countries have demonstrated, unions can be partners in advancing the interests of all concerned, including employers, who can benefit by more satisfied, productive workers.

Oh, and one more suggestion. Go watch Metropolis. You might not think it’s science fiction any more.

Tax stamp

Why your taxes went up

Many of us are still pondering why we didn’t benefit from the alleged tax cut and worrying about what will happen this year, again. After all, tax brackets went down 3-4% for the first 4 tax brackets. But (and this continues this year) your taxable income most likely went up. Don’t expect that to improve for 2019. At a recent conference I attended, this was much discussed. Why?

You live in a blue state. Clever how that worked, huh? Because in many blue states and urban areas, your property taxes on a middle-class home probably exceeded the $10K cap. Add in your state income tax paid. And don’t forget that mortgage interest you used to itemize. With just these three, there’s a good chance you could exceed the $24K standard deduction (married filing jointly) or $12,000 (single). These increase to $24,400/$12,200 for 2019. Woohoo. But once income tax and property tax are capped at $10K total, your mortgage interest might not put you over the standard deduction.

Your charitable deductions don’t count. If you don’t itemize, you don’t get to take a charitable deduction.

You can’t deduct employee expenses. If you buy supplies, or uniforms (except for teachers), that’s on your dime, now.

You don’t have kids. People with kids saw the tax credit doubled.

For 2019, your medical deductions might not qualify. For 2017 and 2018, you needed medical expenses  greater than 7.5% of your income. For 2019, it goes back up to 10% of adjusted gross.

Changes to alimony. Alimony is no longer deductible to the person who pays, beginning with divorces finalized in 2019. The recipient will no longer be taxed on the alimony, but this is likely to result in lower payments to the recipient (since the payer will be dinged for more).

There’s not a whole lot to be done, except by voting. However, it’s important to remember that lower taxes are not the only consideration—what you get for them is also important. It’s how much spendable income actually ends up in your pocket. If you didn’t have to pay for healthcare, long term care, could look forward to a decent guaranteed income in retirement, and didn’t have to save or pay for  college or vocational training, but had to pay, say, 5% higher taxes, you’d most likely be better off.  It’s the value you get, not just the taxes you pay. I discussed this quite extensively in this post, and what exactly we get compared to other Western Democracies here.

 

Tiffin wallah in Mumbai (food delivery)

Spending: Convenience or necessity?

Yes, in fact I do know it all. Until someone points out that, in fact, I have my head under my wing. This is about the blog post I didn’t write.

Recently, I saw individual Horizon Organic Milk packs advertised at Whole Foods.  I was about to write a scathing post about how the price was about 4 times the cost of a gallon of organic milk, how you could afford to let some of that gallon go sour and still be money ahead, and how you could just buy your kid a thermos—reusable and better for the planet than a ton of packaging.

Besides, if it’s popular or pitched to millennials or moms, it’s a ripe target to make fun of. We like to cast them as lazy over-spenders who complain about inadequate wages, right? But heaven forbid we should actually give credit for creating or buying into good ideas.

A recent Facebook post by Stephanie Tait on September 5th screwed my head on a bit straighter. Please search for this, and be sure to read the comments.  (Sorry, Stephanie, but I can’t figure out how to link directly.) Correction: here’s the link. Don’t miss it!  I’m just going to cite a few of the issues and products mentioned.

Waterproof case for cell phone

Ms. Tait kicks off with this—oh yeah, millennials are so hitched to their phones they can’t take a shower without them. Uh-uh.

Ms. Tait points out that for many disabled people, the phone is the lifeline and only way to call for help if needed. Without that, showering is far too dangerous unless someone else is actually in the house. This introduces a host of corollary issues: someone else’s schedule, whether you’ve gotten sufficient sleep to conform to that schedule, your state of health or exhaustion on any given day, and on and on. Makes a waterproof case seem like a simple solution, well worth the money.

Rent-a-closet services

You’re an arrogant spendthrift if you subscribe to these services. At anywhere from $100-$160/month, you can outfit yourself in designer duds that you don’t need, while returning them when you tire of them or they need maintenance. For $1,200-$1,920/year, you could buy quite a few wearable pieces, particularly if you keep things for several years. (I’ve been wearing one black dress for 9 years, but hey, that’s me.) You’re a lazy, status obsessed victim, right? Uh-uh.

Let’s say you’re someone with a need for professional appearance and low vision, or disabled in such a way that selecting or shopping is a major effort. (I always think shopping is a major effort, but again, that’s me. Dear daughter has always been disappointed in this.) Subscribe to a wardrobe service and you won’t need to shop, outfits will be coordinated and appropriate, and you’ll have an amount-certain budget item.

Pre-assembled meal kits and delivery

I’ve really laughed at these: frozen foods where you provide the slave labor and pay twice as much for someone to chop things for you, introduce lots more microbes, and get tiny amounts. Why not just cook on Sundays and put stuff in the freezer? Can people really be such inept morons that they can’t broil a piece of meat, steam some vegetables, and make a pot of rice? Uh-uh.

When my mom got too sick to cook, my dad was at a complete loss. In more than 50 years of marriage, he had never cooked a meal, and was extremely proud if he toasted the bread for a sandwich. We tried meals on wheels (at that time, about the quality of a student lunch), and Seattle Sutton (once Mom spotted that carton of yogurt, it was all over). Dad couldn’t manage grocery shopping, so I did it, and I brought over tons of frozen meals. But not everyone has a daughter who lives 5 miles away and can drop everything. Also, Mom felt incredibly guilty for getting old and sick, and they both felt an extreme loss of independence—they were stuck with what I cooked, and were too embarrassed to ask for anything different.

I think Dad could have managed cooking a meal kit. It would have saved shopping, given them interesting things to eat, and Mom could have given useful input even if she wasn’t the one standing at the stove. There are a lot of steps and mandatory excursions involved in cooking for yourself, and meal kits eliminate a lot of them.

Restaurant delivery services

You’re working hard just so you can pay for expensive restaurant meals whose expense means you have to work even harder. And you’re lazy and entitled and can’t be bothered to learn to cook or plan ahead, right? Or even manage to cook a meal kit? Uh-uh.

For many people, getting out at night is challenging and dangerous. There’s the difficulty of transportation, seeing at night, danger for vulnerable or frail people, getting dressed up—it’s a lot when you’d just like some pad thai. Curiously, no one thinks twice about having pizza delivered, but when the meal might actually be pricey, stay-at-homes aren’t entitled to that. When my daughter was sick in her dorm room on a fairly isolated campus, the value of this for any home-bound person hit me square between the eyes. If you don’t have help on-site, or are tired of asking your friends, or would just like something special, accessing a service such as this can contribute more than its cost in both pleasure and utility.

 

Good design for disabled people, or the elderly, whether of space or services usually turns out to be good design for everyone. Who doesn’t like the handicapped stall better?! I, for one, am going to try being slower to judge and put more effort into understanding. If something allows more people to have a better quality of life, and participate more fully in society, it’s well worth the cost.