What We Need to Do to Win in 2022?

It was a sunny day when Democrats won the White House, held onto the House, and gained control of the Senate with the help of Vice-President Harris casting the decisive vote. If we look more closely, we find that Democrats lost 10 House seats by razor-thin majorities. Democratic candidates running for re-election seeking to turnover districts Trump had won in 2016. They raised millions more than their Republican opponents and still lost. Democrats were hoping to pick up as many as half a dozen legislative chambers and ended up with none. Republicans hold total legislative control in 61 percent of state legislatures, according to the nonpartisan National Conference of State LegislaturesNow the defection of just a few Blue Dog Democrats on key issues like court voter reform, and minimum wage prevents revered issues from being adopted.

An inordinate number of people who voted for him said their chief motivation was voting against Trump, rather than for Biden. Another is that Democrats farther down the ballot underperformed him — particularly in the Senate.

In losing, Trump received ten million more votes than he got in 2016. Trump voters turned out at unexpectedly high rates.  Neither the public polls nor the Democratic internal polls nor the Republican polls forecast this heavy a vote for Trump.

How explain the increase in Trump’s vote?

  • The economy appeared to be coming back. Households benefited from the stimulus checks; many people paid off credit card debt while cutting back on expenses like travel, doctor visits, entertainment, restaurant meals, and millions of Americans stayed solvent.
  • The pandemic affected voters already disposed to voting for Biden more harshly, such as urban and coastal state voters than Trump voters.
  • Republican voters did not blame Trump for the deaths caused by the coronavirus and the ensuing recession, treating it more like an act of God.
  • Why are Trump voters consistently missed in the polls? The New York Times postulates Trump voters are distrustful of institutions and thus will not talk to pollsters. The Pew Research Center estimates that on average, only 6 percent of people were willing to respond to polls in recent years, compared to an average of 50 percent a few decades ago. That leaves pollsters to reconstruct the U.S. population, and they are clearly not getting it right. Will any of them pause for a moment to reflect after results from Starr County, Texas — the most Latino County in the United States — that went for Clinton by a whopping 60%, has now only gone for Biden by about 5%?

Explaining Why People Turn to the Right

A better explanation for the turn to the right is that their political machinery knows how to articulate the gut feeling of voters’ worst fears. They believe statements likening the mob’s overwhelming Capitol Police and vandalizing Capitol offices to a “normal tourist visit.” (Rep. Andrew Clyde (R-Ga.). Most Republicans see through red-colored glasses, and that means real-life economic conditions have less of an effect on elections than they did in the past. Trump’s ability to tickle the darkest recesses of the white American’s lizard brain is unparalleled, in a country that doesn’t elect its presidents by popular vote, but by a system that overrepresents white rural states.

What underlies the fear and distrust of government, media, and most institutions?  Resentments have metastasized as American’s most important role in life has become that of consumers. This took shape before World War I but became commonplace in America in the 1920s. Over the course of the 20th century, capitalism preserved its momentum by molding the ordinary person into a consumer with an unquenchable thirst for more stuff. Consuming is now seen as our principal job in life, resulting in more luxurious homes, vehicles for land, sea, and air, electronics, hobbies, toys, and collectibles of all kinds.

The result is half of Americans work in “low-wage jobs.” Three out of four Americans struggle to pay their bills, 80% live paycheck to paycheck, and most will die in debt. Half of American the workforce deserves more than they are being paid. We live in a society, not just an economy.

Roughly 1.1 million older workers dropped out of the job market during the pandemic. Many are financially unprepared.

More than a third of all U.S. workers changed employers or lost their jobs since the start of the pandemic, double the typical level in the previous two decades, according to a paper by Alexander Bick of Arizona State University and Adam Blandin of Virginia Commonwealth University.

For people who had been at their job for less than two years before the pandemic, the churn was much higher, according to the study. Almost 62% had separated from their employers a year later, versus about 16% for those who had been employed by the same company for at least a decade.

Among workers who had a job in February 2020, almost 37% were no longer with their employer a year later.  Almost 26% had a different employer, and the remaining 11% were out of a job. It appears that many people were finding new jobs rather than returning to their old employers.

This may help explain the current labor shortage, especially in the restaurant, entertainment, and hotel industries, which lost the most jobs during the pandemic and are now struggling to hire fast to meet brisk demand.

All economic crises result in job losses. But the most striking difference during the pandemic is that a quarter of workers had a new employer a year after COVID-19 hit, said Bick and Blandin, who use a benchmark U.S. Census Bureau population data set as the basis of an online survey to collect labor data in real-time. That’s almost twice as large as the next-highest rate, about 13% in 1997.

Roughly two-thirds of rural voters across the country cast their ballots for Trump. Any election results map you look at offers a bleak visualization of the political divide between rural and urban voters: a sea of red dotted with islands of blue.

Why did Trump do so well with rural voters? From my experience, it is not because local Democrats failed to organize in rural areas. Instead, conversations with dozens of voters, neighbors, friends and family members reveal the pain and struggle in their community, yet rural people do not feel it is taken seriously by the Democratic Party.

Farmers’ share of every retail food dollar has fallen from about 50 percent in 1952 to 15 percent today. Corporations control more and more of the agriculture business—from the seed and fertilizer farmers buy to the grain, milk, and meat they sell—sucking out profits instead of giving farmers a fair price or a fair shot at the market. Every day, small farmers are squeezed: They can either expand their operations and take on more debt in an attempt to produce more or close their business entirely because of chronically low commodity prices.

Rural health care is a disaster. At least 176 rural hospitals have closed since 2005, the majority of them in the past 10 years; it is generally not profitable for hospitals to operate in low-population areas. Wisconsin has not been hit as badly as other states, but those hospitals that remain open in rural parts of the state are scaling back services and struggling to retain doctors. In my own county, there are zero ICU beds, even as Covid infection rates surge. Our profit-based health care system is failing rural people.

Rural people in Wisconsin are dying by suicide at rates higher than folks in suburban and urban parts of the state. This is not just a matter of poor mental health services—many rural counties lack a single practicing psychiatrist. It is also about an inescapable feeling of failure and an overwhelming sense that there is no future here.

This does not mean we need to begrudge the sports and entertainment stars their helicopters, ships, BMWs, Jaguars, Porsches, Mercedes-Benz’s, and Tesla’s as long as we have shelter, enough to eat, health care for ourselves and our families, as well as access to the universe through the internet where we can earn money and have an endless supply of possibilities for entertainment and knowledge.

The political result is that in the entire country there are only 16 “crossover” districts (seven districts voted for a Democrat and Donald Trump while nine voted for Joe Biden and a Republican), according to a study by the Center for American Progress.  This represents the lowest number of split-ticket districts in a century, a result of historically high levels of partisan polarization.

The economic anguish between the ultra-rich and the rest of us is so great that Trump was able to tap into these resentments to the point, he was instigating an attempted coup on January 6.  Almost every week, there is an outpouring of violence, everywhere from Hialeah, St. Louis to San Antonio. Where violence will break out next, no one knows – will the next outpouring of right-wing anger threaten a downtown, a state capitol, a synagogue, a sports venue, or a shopping center. Not know this makes dealing with the economic divide more problematic.

How a Minority Predominates Over the Majority

While white born-again or evangelical Protestants are a declining share of our population, they comprise just 16 percent of the population, down from 19 percent in 2009.  Despite numbering only 1 in 6 Americans, their share of the electorate accounts for a quarter of the electorate since 2008, making their influence stretch beyond their numbers.

The vote in May that defeated the establishment of a commission to investigate the January 6 insurrection was voted down by Senators representing only 109 million Americans while Senators voting for the commission represented 160 million Americans. This is the tyranny of the minority over the majority. When 20% of Republicans say the January attack on the capital was justified, we can wonder what our neighbors are thinking.

White evangelicals are either 23 percent of the electorate, according to the Associated Press or 28 percent according to Edison Research exit polling. Voter suppression and gerrymandered districts enable them to have political power disproportionate to their share of the population.

This means White evangelicals turned out in mind-boggling numbers. Because they maintained their roughly 80 percent support for Republicans (76 percent and 81 percent in the two exit polls) of recent years, it also means some 40 percent of Trump voters came from a group that is only 15 percent of America.

White evangelicals have, in effect, skewed the electorate by masking the rise of a young, multiracial, and largely secular voting population. The White evangelicals’ overperformance also shows, unfortunately, why the racist appeal Trump made in this campaign was effective. White evangelicals were fired up like no other group by Trump’s encouragement of white supremacy.

The Institute’s American Values Survey from September found overwhelming majorities of White evangelical Protestants saying that police killings of African Americans were “isolated incidents,” and that Confederate flags and monuments are symbols of Southern pride rather than racism. (Smaller majorities of White mainline Protestants and Catholics felt the same way.) Majorities of white evangelicals also perceived discrimination against Christians and Whites. They rejected the idea that slavery and longtime discrimination make it difficult for Black Americans to succeed.

Such findings aren’t surprising. White evangelicals abandoned the Democratic Party after the Voting Rights Act of the 1960s. They became an active political force in the early 1970s in large part to defend the ban on interracial dating at Bob Jones University (they didn’t embrace abortion as an issue until 1979). The Republicans’ Southern strategy stoked White resentment for decades but never as overtly as Trump did. White evangelicals responded passionately: Pre-election, 90 percent said they were certain to vote, and nearly half of those voting for Trump said virtually nothing he could do would shake their approval. There was little evidence of differences among White evangelicals by gender, generation, or education.

They are, as a group, dying out (median age in the late 50s), and their views are appalling to other Americans. Majorities of white evangelical Protestants don’t see the pandemic as a critical issue (they are less likely than others to wear masks), believe society has become too “soft and feminine,” oppose same-sex marriage, think Trump was called by God to lead and don’t believe he encouraged white supremacist groups.

White evangelicals have become, in essence, lost whose inhabitants are slowly but steadily distancing themselves from the American core values.

Republicans Labelling the Issues

Compounding the fact that Republicans make more clever use of labels and lies, Democrats wound themselves. Democratic strategist James Carville slammed liberals for even mentioning things such as “defunding police.” Using phrases like “defunding police” results in losing otherwise winnable races in districts like the fifth district in Virginia.

Labeling the issues raised by Democrats as “socialist” resonated with Hispanic voters in Florida, costing Democrats two House seats. Republicans capitalize on fear and the reluctance of people to adopt change, using labels like socialism. Polls find that over 55% of Americans have a negative opinion of socialism.

What is ironic is the distortions the right-wingers about the safety of vaccines or of wearing facemasks, denying climate change is self-destructive. It results in lower state vaccination rates in states Trump won while most blue states are vaccinating at levels well above the national average.

Secret Hate Vote

There is a secret hate vote.  What is the “secret hate vote”? The phenomenon of what American pundits call “the shy Trump voter.” (What a euphemism.) People who tell pollsters one thing, and then turn right around and do another. They surfaced en masse in 2016 and in 2020, rendering polls wrong.

Why does the secret hate vote exist? There are a few reasons. There is a certain glee for Trumpists in making the polls wrong — theirs is an authoritarian movement, remember, and they rely on delegitimizing democratic norms and institutions. What better way than to render polls wrong. There is also the shame factor. Would you really want to tell people you are voting for Trump? Even a lot of Trump voters are ashamed of him — but they back him because they feel heard and seen by him. Shame precludes them from telling pollsters what they really feel.

The hidden deplorable people are not Republicans. They are not even conservative. They are apolitical, otherwise ignoring politics because their lives legitimately suck. They live in meth country, with dim job prospects (in fact, those two factors are highly correlated). Institutions have failed them—corporations abandoned them for cheaper labor overseas, the government seems and feels distant, and it is certainly not improving their lives. Cities feel like walled gardens—unattainable, unaffordable, yet that’s where all the jobs are, the culture, the action. These deplorable have been left behind. So their attitude? “Fuck them all.”

Trump shows up in 2016 and gives them hope for change, saying the quiet part out loud—that their lives suck not because of their own choices and that of those corporations that have deserted them, but because all that sweet, sweet government money is going to “illegals” and “thugs” in those cities. He puts uppity Black and brown people and women in their place. He offers them hope that if he can not improve their lives, that at least he’ll hurt all those others.

Their lives suck, but Trump was supposed to be bringing everyone else down to their level. That’s why all that nonsense about “economic uncertainty” was such bullshit. None of these people ever thought Trump would bring back the factories, paying good middle-class wages. But it would all be worth it if Trump would just hurt the people he needed to be hurt.

From the start, let us dispense with the notion of a “shy Trump voter.” These people aren’t shy, yet they certainly exist. They are the assholes trying to run the Biden campaign bus off the road in Texas. They are the anti-government militias in Michigan. They are these people:

There is nothing “shy” about these people or their support for Trump, yet pollsters aren’t catching them. They turn out for Trump, but they didn’t turn out for Republicans in 2017, 2018, or 2019. Remember, last year Democrats picked up governorships in the blood-red states of Louisiana and Kentucky.

No amount of personal begging and pleading from Trump could get Republicans to the polls in those red states, nor did his extensive campaigning help his party during the 2018 Democratic wave year.

What is remarkable about Trumpism is that it is the Death Star of the American Idiots. Trumpism unites all the various kinds of American Idiots. In a kind of epic, colossal suicide pact.

What are the American Idiots really fighting for — whether they are religious fanatics, Covidiots, gun nuts, or bigots?  In the rest of the rich world, freedom now has a modern meaning — it means something like “the set of rights that enable one to enjoy a decent life, from healthcare to retirement to income to childcare to, no matter how harmful it is to anyone else, yourself, your city, town, country, or your loved ones.

Free-dumb is individualism gone thermonuclear, taken to its most absurd outer limits. It means that your right to carry a gun to Walmart is more important than kids getting education. That you can teach your kids whatever kind of nonsense you want, instead of educating them to be proper members of a civilized society. It means that Justice Amy Coney Barrett can belong to a religious cult dignity.” But in America, freedom means something so different it is diametrically opposed: the right to do whatever you damn well please.  You can go on “believing” Covid does not exist, while you are dying of it. America cannot get a grip on Covid, because the Covidiots keep right on spreading it…since they don’t believe it exists in the first place., Society can not make any progress since the vast majority of Republicans apparently believe the election was rigged., because the idiots block even the smallest iota of it, crying like big slobbering babies that their free-dumb is under attack. The smallest kind of cultural progress — gay rights, women’s rights — are at constant risk of reversal, because the idiots can not abide anyone else being a true equal, since the world has to spin around them, and their ignorance, stupidity, rage, and superstition.

How did all this come to be? Trump printed a license for every American Idiot to go out and set fire to their own neighborhoods, sure — but why did they think that was a good thing to do? Because America’s a country so backward it is hard to explain just how the American Idiot ends up thinking the bizarre things they do. Certainly, the internet reinforces it. Visit an American bookshop, and most of the best-sellers are fanatical right-wing screeds. And American education is something you can opt-out of.

American idiocy is a kind of complex cultural problem right about now. The American Idiot is, we know, three things. One, less educated, as in, often, not very educated. Two, white. And three, downwardly mobile. Those give us standard explanations — the downwardly mobile lash out at even more powerless groups in society, in resentment and rage at their fall. That explains Trumpism’s virulent hate and bigotry.

The sad thing is none of this is an accident. It is the result of decades of policy decisions—by Republicans and Democrats—that deplete our communities.

The Republicans are sinking lower and lower. Republican nominees are just getting worse and worse. An Indiana man charged with murdering his wife has won A Republican primary election from jail.

What Issues Can Democrats Talk About?

Every issue needs to be related to some experience people can relate to. Choose the issues you want to focus on. Issues need to be rooted in common sense.  Appeal to self-interest without scaring people. Stick to the facts and manipulate experiences so they make sense.

 

January, 2020 March, 2o2o October 20, 2020 Voting for

Biden

Voting for

Trump

Economy 86%

 

Jobs  79%

 

 

 

Terrorism  71%

 

Social Security  70%

Education  70%

 

Medicare & health care costs 65%

 

Strengthening economy – 86%

Job  – 79%

Reducing

budget deficit – 72%

Defending against terrorism – 71%

Securing Social Security – 70%

Improving education – 70%

Securing Medicare – 65%

Reducing health care costs – 63%

Helping poor and needy – 57%

Reducing crime – 55%

Protecting environment – 52%

Dealing with nation’s energy problem – 45%

Strengthening the military – 41%

Dealing with illegal immigration – 39%

Strengthening gun control laws – 37%

Dealing with global trade – 31%

Improving infrastructure – 30%

Dealing with global warming – 28%

Economy

Health Care

Supreme Court Appointments

Covid-D

Foreign Policy

Abortion

82

66

82

 

50

42

42

44

64

24

 

53

48

48

 

Most Americans align with Democrats on the economy, health care, social security, and treatment of Covid-D. Democrats can persuasively talk about all issues except abortion.

More members of the millennial generation and Generation Z voted in the 2020 presidential election than in any prior election, according to several studies of the electorate that have taken place in recent months.

Most Americans (60 percent) supported the general idea of dramatically reducing the United States fossil fuel use over the next two decades in an effort to reduce greenhouse gas emissions, according to a 2019 Gallup poll.

A 2019 Washington Post-Kaiser Family Foundation poll found that most Americas support the goals of the Green New Deal.  Things like guaranteeing jobs with good wages for all U.S. workers and providing all people in the country with health care through a government program — although there was little support for achieving the proposal’s goals by increasing taxes.

Talking About Money and Taxes with Voters

How can we pay for programs that will both save the middle class and assure the nation’s future?  Many Americans are hesitant to have the federal government spend by the trillions on infrastructure. They do not have to be.

People by nature are aversive to losses and so voters tend to be risk-averse, not willing to lose what they already have. It needs to be emphasized that the United States does not need to increase taxes on the middle class to pay for the nation’s needs. It is vital to project gains larger than any possible losses.

Billionaires have increased their wealth by 44% since the pandemic began The top 25 richest Americans paid taxes at a “true” tax rate of 3.4%.  For comparison, households with a median average income of $70K pay about 14% in taxes.

The richest 1% of Americans do not report about 20% of their income to the IRS. A study released last month by two IRS officials as authors finds that collecting that money would boost tax collections by $175 billion a year.

Tax cheats are costing the U.S. $1 trillion a year. They do this using cryptocurrencies, offshore tax evasion, illegal income that goes undetected by the IRS, and underreporting from pass-through businesses.  This is a wide gap in tax collection.

Every year Americans spend $153,000,000,000 to subsidize McDonald’s and Walmart’s underpaid workers. The real freeloaders in this country are corporations, not people.

How to Communicate with People to Win Their Votes

Facts matter, but they must be understandable. Voters need to be touched in terms of what they think and feel. Politics vote for values they identify with, for what they see as right, not wrong.

In talking about the economy, health care, court reform, the coronavirus outbreak, the environment, budget deficits, terrorism, social security, education, crime, immigration, and energy, it is critical these issues be expressed in ways that touch people’s day to day lives. In themselves, numbers from the Congressional Budget Office do not mean much to most voters. Senator Elizabeth Warren and President-Elect Biden did this in relating these issues to the everyday lives of Americans in their runs for the Presidency.

Many voters are resentful of the establishment – big corporations and Wall Street. As many as 15 to 20 percent of voters may be conservative on social issues, but progressive on economic issues, or conversely. These are swing voters who determine the outcomes of elections.

Talking to Individual Voters

  (Name of person you are speaking with)

Once you can get another person to relate to a topic that interests them, it breaks the ice.

Then you can ask, “How do you decide whether to vote in an election?”

Some people become convinced if they believe voting is helping others. Some people will not be told what to do; they need to decide to vote. These people are not convincible – they must convince themselves.

On the other hand, some people are defensive or rigid. Your task is to find what issue will motivate them to be convinced voting is in their interest.

Recognize or learn why something matters. What values are foremost?

Identify the thinking that stands in the way of persuading voters to your view.

You can begin conversations with small talk, asking about:

By engaging them in “small talk” or you may have access to information about a voter in a database in your smartphone.

What do they like about living in this neighborhood/area?

You can relate to the season or weather?

What are your favorite shows, movies, plays?

What are your interests or hobbies: art, travel, collections?

What types of food, restaurants, and cooking do they like?

What are their professional interests and responsibilities?

Who are their favorite sports teams?

What is special about living here?

Ways to reach people:

  • More than 4 in 5 adults in the U.S. constantly check their email, texts, and social media accounts.
  • Email marketing – email is four times more effective than both paid search and social media; 30% of all email subscribers now use Gmail, almost double from 2014. Use unconventional holidays like National Dog Day or Coffee Day to make an impression. People open these mailings more often.
  • Facebook and Twitter accept email lists allowing senders to target specific users based on their interest in issues and affinities. 55% of Americans say Facebook is their primary source of news.
  • Facebook–most used by 43% of millennials; a higher proportion of millennial women than men use Facebook. The younger someone is the less likely they use Facebook daily.
  • If you are not reaching people on their smartphones, you are not reaching your potential voters.
  • Instagram (26%) – used by 35% of millennial women and 28% of men. The younger someone is, the more likely they are to use Instagram daily.
    • Localize your content
  • Messaging voters with apps such as Flock, Glip, Hipchat, LinkedIn Messenger, Microsoft Teams, Ryver, Slack, Workplace by Facebook, WhatsApp
  • Personal Information that Enables Us to Contact Voters
  • Pinterest (26%), Twitter (21%), and LinkedIn (25%) get smaller shares
  • Snapchat – used by 25% of millennials; younger use it more than older millennials. Instagram use is on the rise while Snapchat use is declining.
  • YouTube – 35% use YouTube every day, but older voters use YouTube less (20%)
  • YouTube offers intimacy, and the ability to communicate with their audience as if they were friends.
  • Be aware of the potential of social media, such as Twitter, for reputation bashing

What Media Do People Trust?

  • Recommendations from people they know (92%)
  • Consumer opinions posted online (70%)
  • Editorial content, such as newspaper articles (58%)
  • Branded websites (58%)
  • Email signed up for (50%)
  • Ads in magazines (47%)
  • Ads in newspapers (46%)
  • Ads on radio (42%) TV programs product placements (40%)
  • Display ads on mobile phones (33%), text ads, (29%). Keep in mind 4 out of 5 people have smartphones, particularly younger voters. However, 4 out of 5 people ignore online ads.

Where do voters get news? Television? Newspapers? Friends?

  • 45 percent of Americans turn to Facebook for news; half of those getting their news from Facebook only got their news from Facebook.
  • 26 percent said they received their news from two social networks; 20 percent said they got news from three or more social networks, up from 15% in 2013 and18 percent in 2016.
  • Audience overlap is most common between Facebook and YouTube.
  • Twitter is also frequently used for news, as is Instagram by younger voters. Terms used are Tweet: A tweet is a post that appears on the social network known as Twitter. Tweets may contain links, photos, and videos. When used as a verb, to tweet is the act of sending a tweet. Your home timeline is a real-time display of tweets from the accounts you follow.
  • With Twitter Assistant, you’ll see the best times to Tweet and what content your audience likes the most. Get set up today and start receiving personalized advice for how to Tweet better.

Who Likes Snail Mail?

  • The Silent Generation (born between 1925 and 1943) are the most likely to trust direct mail with more than four out of five (83%) people in that age group saying they trust what they rein the mail.
  • Millennials prefer to receive email over snail mail.
  • But there is evidence millennials trust printed information over digital information.
  • Political campaigns need to use multiple ways of reaching voters.

Closing Tips

Moderate Democrats who lost or almost lost did not campaign hard enough. If you are not door-knocking, if you are not on the internet, if your main points of reliance are TV and mail, then you are not running a campaign on all cylinders.

Democrats often talk down to people, rather than just talk to people. If you think people are not smart enough or educated enough to just understand what is good for them, you are probably talking down to people. This is alienating. Remember it is better to go on offense and be defensive

There was a lot of talk of supply chain problems leading to people not being able to get the gifts and provisions for the holidays. Packages are moving, gifts are being delivered, shelves are not empty and Democrats need to take credit for this.

Why we need to break the filibuster rule

The filibuster is a Senate rule that requires 60 votes (a super majority) for ‘most’ legislation to get a vote in the Senate.

We say ‘most’ because numerous exceptions to the filibuster already exist. Since 1969, 161 exceptions to the filibuster’s supermajority requirement have been created. Now civil rights advocates are asking for another exception to be created so critical voting rights legislation can pass the Senate.

What is the history of the filibuster?

The filibuster is not by design, it was actually a mistake. Like the House, the Senate used to only require a simple majority — or 51 votes. Then, in 1805, the Senate was doing a clean-up of its rule book and took out the simple majority rule because they thought it was redundant — effectively it went without saying, how else would a democratic body operate?

It took decades for obstructionists to realize the unintentional gift they’d been given and start exploiting it, often to the detriment of civil rights. The longest continuous filibuster debate in Senate history was about passing the 1964 Civil Rights Act1 to end racial discrimination in public accommodations. During the Reconstruction and post-Reconstruction eras, senators used the filibuster to block other major civil rights legislation, including measures to prohibit lynching and end poll taxes.2

What happens if we don’t reform the filibuster?

We’re facing another era of anti-democratic reforms. The last presidential election had the highest turnout in U.S. history, and Republican elected officials responded with a wave of new voting restrictions — 19 states passed 33 laws restricting voting laws in 2021 alone, including restrictions aimed at making voting more difficult. In Georgia, you can now be charged with a crime for handing out water or snacks to voters waiting in line at the polls, and in Texas election officials could face criminal prosecution if they encourage voters to request mail ballots or regulate poll watchers’ conduct.3

There is a bill in the Senate that could address some of these restrictions — the For the People Act (H.R. 1). But the filibuster is standing in the way of progress that people are demanding.

Getting Health Care Became More Difficult with the Pandemic

Health care costs prevent people aged 45 to 59 (members of Generation X and boomers) to get the health care they need:

  • 49% did not go to the doctor last year when they were sick or injured.
  • 45% skipped a recommended medical test or treatment.
  • 43% did not go to a dentist when they needed treatment.
  • 40% went without a routine physical or other preventive health care.
  • 30% did not fill a prescription or took less than the prescribed dose of medicine.People aged 60 to 65 often skipped health care because the CPI-E places a greater weight on medical care than the CPI-U: The elderly spend 12.2 percent of their budget on medical care, compared to 7.0 percent for the general population. The cost of a doctor visit has increased 4.3 percent the past 12 months. More broadly, medical care services, which include doctor, dental and vision services, have risen 2.1 percent in the past 12 months, while eyeglasses and eye care have increased 1.1 percent.Historically, the cost of medical care has risen faster than the broad inflation index, but that hasn’t been true lately, according to the Center for Retirement Research at Boston College. That’s one reason the CPI-E has risen less than the CPI-U over the past 12 months. In fact, had the Social Security COLA been calculated using the CPI-E, it would have been 4.8 percent, rather than 5.9 percent.It’s hard to believe, but the price of prescription drugs has fallen 0.3 percent the past 12 months, and the price of nonprescription drugs has risen just 0.8 percent. Bear in mind, however, that inflation costs are cumulative: The high medical price increases of the past 20 years are still with us, despite the current low inflation rate in the category.

Between a third and a half of people, age 45 to 59, and a quarter of those 60+ went without needed health care in the past year due to its cost, according to a troubling new survey from the West Health Institute and NORC at the University of Chicago. 80% of the people the University of Chicago surveyed had health insurance, so just having insurance does not make you immune to health care costs.  The percentages were better for people 65+ mostly because those 65 and older have Medicare.

At least two-thirds of older Americans see health care costs as a financial burden, according to a new West Health-Gallup survey published Wednesday.

About 24 percent of Americans ages 50-64 — also known as “baby boomers” say health care costs are a major financial burden, compared to 48 percent who say the costs are a minor burden, according to the survey. About 10,000 boomers a day cross the age threshold. By 2030, all boomers — about 77 million people — will be at least 65 years old, according to the U.S. Census Bureau.

At the same time, health care costs are expected to increase. The out-of-pocket costs for older Americans averaged $6,883 in 2019, up 41 percent from 2009, the U.S. Department of Health and Human Services reported.

Although most older Americans are covered under Medicare, they pay more than $1,000 on average than the general population because Medicare does not cover all expenses, such as dental, vision, and hearing services. Increased demand because of the high number of older adults is also pushing up costs.

Addictions as Ways of Dealing with Stress

A sign of the stress of our times is that sales are up for the alcohol industry.25.8 percent of people ages 18 and older (29.7 percent of men in this age group and 22.2 percent of women in this age group4) reported that they engaged in binge drinking in the past month.

Marijuana is the most used illegal drug in the United States, with approximately 22.2 million users each month. People are using drugs early. Among 10th graders, 28.8% had used marijuana in the past year and 18.4% in the past month. 1 in 3 Americans lives in a state where adults can legally buy cannabis.

Unhealthy foods are advertised constantly in all media. “Unhealthy food” is sweet, salty, meaty, succulent, “umami”, or a combination of the above. All of those can be considered “unhealthy, ” particularly if eaten to excess.  Junk food is usually cheap, tasty, and filling. But is associated with a variety of issues, like diabetes, heart problems, and obesity. Is it any surprise that gas stations are paired with convenience marts? These make junk food available, convenient to obtain.

Pornography and hypersexualized images are readily available on the web. There is some evidence this may lead to online porn addiction and young adults becoming addicted to masturbation and sex. Clinical reports suggest that terminating Internet pornography use is sometimes sufficient to reverse its negative effects.

COVID-19 led to widespread loss of life. There are concerns the fight against the pandemic is taking resources away from other critical health challenges – including disruption of other forms of urgent care – auto accidents, heart attack, strokes—illnesses, and reasons to get immediate medical attention.

 

 

It’s Hard to Grow Old in the US in 2018

Roughly 40 percent of Americans who are considered middle class (based on their income levels) will fall into poverty or near poverty by the time they reach age 65. The downside of being over 50 today is one’s earning capacity is reduced and the value of assets like families homes has not kept pace with the rising costs of health care as you age.

Older adults do not ask for much – more than 3 in 4 want to stay in their own homes and communities as long as possible. But only 46% think this will be possible, according to a new AARP survey conducted by NORC at the University of Chicago.

To stay in their homes, more than a third need to modify them to stay as they age. Bathrooms and entryways need to be safer. More people than not are willing to share their home in order to stay there (32% vs. 29%).

More people and governments are seeking to enable seniors to “age in place.” Whether living their lives out at home or institutionalized, it costs less for people to remain at home rather than being institutionalized.

As people age, their health problems multiply. Nearly 1 in 5 Americans older than 65 do not have a single real tooth left and more than 1 in 4 Americans older than 40 lack dental coverage.

Suicides in the U.S. have been on the rise. The increase in suicides by males between 50 and 59 years old almost doubled and the increase in women between 60 and 64 years old was about 60%. This is linked to untreated depression and other psychiatric illnesses, physical health problems including debilitating and painful health conditions,

The purpose of health insurance is to protect people from financial ruin if they get seriously ill or hurt. But health insurance isn’t doing its job. A survey of some of the nation’s most seriously ill people found that more than 1 in 3 had spent all or most of their life savings while sick. More than 20 percent of people with health insurance had trouble paying for basic necessities. More than a quarter had bills in collection, and 13 percent had borrowed money as a result of their illness.

The combination of deductibles, co-payments; treatments their insurance won’t cover; and the inability to work produce feelings of desperation. People with “significant financial stress” were 13 times more likely to have a heart attack.

Increasingly treatments recommended by doctors are being denied by insurance companies. As a result, some doctors don’t recommend the best treatment. Even when there was health insurance, forty-two percent said they’d received a hospital bill that their insurance had not fully covered.

Boomers are retiring with less money in the bank than their parents, a new report finds. In large part, they have the housing crisis of a decade ago to blame.

The Stanford Center on Longevity took a number of measurements of financial health, including home equity and retirement savings, in preparation for publishing “Seeing Our Way to Financial Security in the Age of Increased Longevity.”

Among the findings:

  • Boomers are in a financially weaker position than earlier generations of retirees.
  • As of 2014, mid-boomers (those in their late 50s) had less home equity, financial wealth and total household wealth than retirees who were 10 years older.
  • Holding age fixed, mid-boomers had saved less than previous generations at the same age.
  • Approximately 30 percent of boomers had no money saved in retirement plans in 2014.

Boomers are retiring with less money in the bank than their parents, a new report finds. In large part, they have the housing crisis of a decade ago to blame.

The Stanford Center on Longevity took a number of measurements of financial health, including home equity and retirement savings, in preparation for publishing “Seeing Our Way to Financial Security in the Age of Increased Longevity.”

A recent Stanford study finds:

  • Boomers are in a financially weaker position than earlier generations of retirees.
  • As of 2014, mid-boomers (those in their late 50s) had less home equity, financial wealth and total household wealth than retirees who were 10 years older.
  • Holding age fixed, mid-boomers had saved less than previous generations at the same age.
  • Approximately 30 percent of boomers had no money saved in retirement plans in 2014.

The analysts wrote  their findings “illustrate that the majority of American workers from all backgrounds aren’t on a path to retire full time at age 65 under their pre-retirement standard of living.”Should that forecast come true, boomers may need to trim their sails as they move into traditional retirement years, the researchers predict.

“It’s likely they’ll need to consider alternative models of retirement, such as working beyond retirement age, changing one’s standard of living in retirement, strategies for deploying retirement savings, or some combination.”

The definition of bankruptcy is given as “legal status of a person or other entity that cannot repay debts to creditors.” In most parts of the U.S., bankruptcy is imposed by the court after a petition by the creditors. All over the country, thousands of people file for bankruptcy daily as a last resort after failing to live up to the financial burdens imposed upon them.

But a worrisome trend that has been highlighted closer to home is the fact that a more significant number of older American citizens are beginning to file for bankruptcy at a rate that is more than double what it was 25 years ago. This trend was highlighted by a study that was published by the Social Science Research Network.

The research

Referred to as a “coming storm of broke elderly,” the study was able to identify that the rate of citizens over the age of 65 who are now filing for bankruptcy increased about 204% from 1991 to 2016. The study also pointed out that the number of older citizens among the total number of all individuals who filed for bankruptcy increased five times within the same 25-year period.

Now social scientists are studying the data pulled from the Consumer Bankruptcy Project, and so far, they have been able to discover that this increased trend of bankrupt seniors is caused in part by the extremely high health care costs, in addition to the lower incomes they receive and the nationwide decline in pension fees.

One of the authors behind the study is Deborah Thorne, a researcher from Idaho that said “it is not an individual’s fault” when they have to file for bankruptcy mentioning the issues with the current retirement systems and Medicare.

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She went on to mention that her research discovered that a large number of older adults who are struggling with finances believe the government is doing nothing to deal with their situation.

“We’ve become uncaring about what they’re confronting,” she said.

Why bankruptcy has increased

The study also went on to point out that the cost of taking care of medical issues is a common theme recurring within the majority of elderly bankruptcy filers. Thorne believes that although Medicare provides an excellent cover for older people’s health costs, it does not cover everything ranging from extensive care, hearing aids, a lot of dental procedures, eye exams used to prescribe glasses and foot care.

Medicare sometimes also involves copays, coinsurance and some deductibles that are sometimes difficult for some seniors to afford.

Speaking to Thorne and her team, an older adult who had filed for bankruptcy before said, “my bankruptcy started with back surgery. I had several medical tests that my insurance did not cover. This caused me to fall behind in my medical payments. The next thing I knew, the bills began piling up. I got to the point I owed more than I was making on Social Security.”

These medical issues could also cause many older adults to lose their job, complicating their already terrible financial situation.

“My wife developed medical problems and had to leave her job, resulting in a loss of income. About two years later, I developed medical problems and was not able to continue working,” another respondent told the study’s authors. “We got to a point where we simply could not handle the debt load. The constant calls from bill collectors forced us to contact an attorney for help.”

According to nonprofit organization Kaiser Family Foundation, out-of-pocket health costs for elderly Americans who use Medicare consumed up to 41% of the average social security income in 2013. The organization also expects the costs are also expected to increase to 50% of the average social security income by 2030.

Other finance retirement experts also agree with this assertion that it is important for older Americans to factor in health costs into their retirement plans. Financial services company, Fidelity Investments backed this up with a statement that read “A 65-year old couple retiring this year will need $280,000 to cover health care and medical expenses throughout retirement”.

And although that is simply a 2% increase from last years cost, it is important to note that Fidelity’s estimate has risen by 75% since 2002 when the estimate recommended by the firm was just $160,000.

This is why older citizens who are unable to pay up such amounts of money are most likely to go into debt. A study done by the National Council on aging found that medical debt is one of the more important obstacles between older citizens and economic well-being.

According to the council “over half indicated that medical debt was the most significant barrier to the economic well-being of seniors, while nearly 20% said that missed utility payments were the biggest problem.”

Why So Many Seniors are Taking Bankruptcy

Going into bankruptcy is not a straight road. In fact, a lot of people who go into bankruptcy struggle with paying bills for a few years. According to bankruptcy lawyer Charles Juntikka, there has been a staggering increase in older clients during his 34 years of practice.

A lot of them are often hesitant to file for bankruptcy because they happen to be brought up by parents who survived the Great Depression; which is why many of them opt to pay their medical bills or mortgages with credit cards piecing together minimum payments of $80 – $90 on their cards without seeing any substantial reduction in their principal balance.

He said, “the problem with my older bankrupt people is they paid for years, but the principal on the credit cards barely budges. Many think that only “crooked” businesses go bankrupt, but decent people pay their bills.

After struggling and failing to get over the surmounting debts, there is usually a trigger that forces them to reach out to a bankruptcy lawyer  and it is often the threat of a creditor to sue.

What we need is to support pension and safety net programs that help secure the financial safety of older Americans.