Big Banks, Big Insurance, Big Pharma & Big Housing: Corporate America Is Burying Us in Fees

Thanks for the poverty

Working for a living is hard. You have to get out of bed early, get dressed… maybe even put wear a silly uniform that you were required to purchase… drop the kids off at school, drive around to find parking or sit on a bench waiting for the bus, rush to work to be on time, and repeat in reverse after work a few hours later. If you are forced to work multiple jobs to make ends meet, the complexity and aggravation of daily life grow exponentially … one grueling day after another.

Decades ago, Wall Street bankers learned that making money off of other people by charging fees for absolutely everything their accountants can think of… and then charging late fees upon those fees… is an fast route to Easy Street. Banks and other lending institutions are masters at making money from fees (as opposed to real work).

The Fee Game is now pervasive across Corporate America. As a result, We the People are getting fleeced at every turn. People complain about high taxes from the government, while Corporate America is slipping billions of dollars out of our pockets in service fees, administrative fees, application fees, late fees, nonpayment fees, stop payment fees, online payment fees, nonrefundable deposits, usurious interest rates,  junk health insurance, unaffordable health insurance premiums, co-pays, coinsurance, and the list goes on. It’s no wonder people are strapped for cash. We’re being nickel and dimed into bankruptcy by Corporate America, while Congress and state Legislatures bend over backwards to be “business friendly.” For more about The Fee Game and how lucrative it is… read on…

Continue reading Big Banks, Big Insurance, Big Pharma & Big Housing: Corporate America Is Burying Us in Fees

Democracy Now: Compelling Stories about Extreme Wealth & Extreme Poverty in California (video)

Safe Park Homeless camp 2015
Safe Park Dream Pod, Tucson 2015
Safe Park Dream Pods for Tucson homeless,  2015

Amy Goodman’s Democracy Now radio show has a long history of hard-hitting, investigative journalism. Today’s show (October 25) juxtaposed Progressive Congresswomen Alexandra Ocasio-Cortez and Rashida Tlaib grilling Facebook CEO with a story about homelessness in California.

These stories represent the two sides of California– a land of extreme wealth and innovation that also houses 50 percent of our country’s homeless population, according to Goodman.

Excerpted from “State of Emergency”: Special Report on California’s Criminalization of Growing Homeless Encampments

“In a Democracy Now! special report, we look at the rise in homelessness in many major cities across the United States. California has become the poster child for this economic and humanitarian disaster, with growing encampments in Los Angeles and the Bay Area as more people are forced onto the streets. The state is home to 12% of the country’s population but half of the country’s unsheltered people. As the crisis deepens, so has the criminalization of homelessness, with increasing efforts by city and state officials to crack down on unhoused people occupying public space. President Donald Trump made headlines this month for attacking California’s politicians over the homelessness crisis, threatening to destroy encampments, increase police enforcement and even jail unhoused people. But advocates say California has already employed hostile policies that criminalize homelessness, from laws against unsheltered people sitting on sidewalks to frequent sweeps of the encampments that have popped up on thoroughfares and under freeways across the state’s cities. One of these crackdowns is currently unfolding at a massive Oakland encampment that Democracy Now! visited just a few weeks ago.”

Watch the video and read the story here.

 

 

 

Why Can’t the Ronstadt Center Be an Open-Air Transit & Community Space?

Ronstadt Center, Tucson, 2013

Do you remember the controversy surrounding redevelopment of the Ronstadt Transit Center? Back in 2013-2014, developers were making a play to redevelopment the Ronstadt Transit Center. They had pitched redevelopment of the Ronstadt in the past and failed; the 2013-14 plans revolved around building something on top of the Ronstadt. I mention this ancient history because the Ronstadt redevelopment project– which I mistakenly thought had died a silent death– popped up at a recent Mayor and Council candidate forum as a good idea. Now I realize that demolition of the Ronstadt Transit Center is on the horizon– along with construction of more luxury apartments and yet another “boutique hotel.” Groan. Why are we doing this? Why are we destroying our sense of place and community on Congress Street and 4th Ave. in exchange for big boxy buildings?

The History…

Ronstadt Center, Tucson 2009
During community events like Downtown Saturday Night or the gallery art walks, dancers would perform at the Ronstadt Transit Center (2009).

Old timers like me remember the original design and intent of the Ronstadt Transit Center as not only a transit hub to bring people in and out of downtown but also a community gathering space. In fact, I often wrote about and photographed downtown when I had my writing, photography, and design business in the 1980s and later in the 2000s as a downtown artist. In addition to writing for Dateline Downtown, a weekly downtown newspaper, the Tucson Arts District Partnership was one of my clients. In the 2000s, as Wind Dancer Design, I was a member of Central Arts Gallery, one of the former on Congress Street galleries that were replaced by restaurants and bars.

The low brick walls were designed as benches and gathering spaces around the Ronstadt Center. The rustic brick, custom decorative tiles, and the large decorative brick patio area (with bricks from the Ronstadt Hardware Store, that once stood there) gave the design a sense if place and purpose. Form + function makes for good design. The patio, which had tables at one point, was designed for people to sit while they waited for the bus or had sandwich from one of the restaurants or a food cart set up on the patio.

Continue reading Why Can’t the Ronstadt Center Be an Open-Air Transit & Community Space?

Housing, Homelessness & Gentrification: What Is the Path Forward?

homelessness

Where do the mayoral candidates stand on affordable housing, low-income housing, and homelessness?

I think that’s a great question, and I hope to find the answers at the upcoming Mayor and Ward 1 City Council Candidate Forum on Saturday, June 22.  The event will be held at El Rio Center, from 12 noon – 2:30 p.m. and will moderated by Nancy Montoya from Arizona Public Media. According to the Blog for Arizona Calendar, the three Democrats running for Mayor and the four running for Romero’s Ward 1 seat are expected to participate.

What is the state of housing in Arizona?

Arizona’s Housing Crisis: Has the Legislature Done Its Part?

As rents and evictions increase, housing has become a huge issue across Arizona. Housing– like prison reform and charter school reform– got a lot of lip service in the Arizona Legislature in 2019. During the session, there were many opportunities to tackle the housing crisis in a meaningful way, but those bills died.

On a high note, the Legislature allocated $10 million for the Housing Trust Fund in the FY2020 budget, which begins in a few weeks. The Housing Trust Fund used to be $40 million per year until the Tea Party Reign of Terror swept the funds and left only ~$2.5 million in it. (Of course, back then, tax cuts were far more important than helping people keep roofs over their heads.)

Continue reading Housing, Homelessness & Gentrification: What Is the Path Forward?

Trump Tax Cuts & AZ Tax Conformity (video)

Tax Conformity

Tax conformity with the Trump tax plan which was passed by Congress in December 2017 has been loping along in the Arizona Legislature … until today. This morning, the former Speaker and current Senator JD Mesnard did a presentation on what he wants us to pass for tax conformity. He has been quoted in the newspaper as saying that he wants tax conformity to be “revenue neutral”.

If Arizona decides to do full tax conformity, as Governor Ducey has suggested, Arizona will gain an estimated $150-$200 million per year extra for the general fund. If we do revenue neutral tax conformity as Mesnard has suggested, we will throw that extra $150-200 million revenue out the window by offering tax cuts along with tax conformity.

The December 2017 Trump tax plan raised the standard deduction and eliminated some itemized deductions. If you make less than a six-figure salary and you don’t itemize your taxes, you will be better off with tax conformity.

In order to ram these bills through the committees, the Senate Finance Committee and the House Ways and Means Committee have been rescheduled for Monday, January 28 at 10 AM. This is not the regular meeting time. We are required to vote on HB2522 and SB1143 simultaneously.

These bills were placed on agendas late today. If you are on Request to Speak (RTS), you have until Monday morning to voice your opinion. If you believe that Arizona should say “NO!” to more tax cuts and should use the money to cover state needs (or prop up the rainy day fund in the event of a Wall Street downturn), you want clean tax conformity— NOT revenue-neutral tax conformity as HB2522 and SB1143 propose. All hands on deck.

 

 

#AZLeg Budget Update: What’s in Store for the 54th Legislature (video)

budget update

Unlike many years, the Arizona Legislature will have money to spend when it convenes the 54th Legislative Session on opening day, January 14, 2019. We have an unexpected $900 million in one-time funding due to unexpectedly high sales tax returns and personal income tax returns.(Gosh, could the minimum wage have played a role in this?) We also have $200 million in the structural budget (money that should be available for three years).In addition, there’s tax conformity and review of the tax giveaways.

 

Do Tax Breaks for Developers & Sports Teams Really Boost the Economy? (video)

support education, not tax giveaways

Today’s video topic is tax giveaways. Do tax breaks for developers, sports teams and big corporations really spur economic development? In Arizona’s 53rd Legislative Session there was a growing bipartisan backlash against tax giveaways (including tax exemptions, tax cuts and tax credits). Many tax giveaway deals died like the capital gains tax cut and the tax exemption for digital goods purchases in 2018 and several corporate welfare bills in 2017.

billionairesAfter all, Arizona state government is giving away or otherwise excusing more than $13 billion in taxes each year and saving only about $10 billion to run the state. The teacher raise was accomplished through 50 fund transfers from one department to another, plus several efficiency savings which transfer programs to other funding sources outside of the general fund. That is no way to run a government.

I stand against the tax giveaways and with #RedForEd. If we ever want to fully fund public education, we have to stop cutting taxes and stop giving tax revenue away.

For this reason, I am a Rio Nuevo skeptic. Rio Nuevo is a $14 million sales tax giveaway that passed in 2018 and was extended to 2035. Rio Nuevo is a tax increment financing district (tif). If you look on the Internet, the jury is out regarding how well tifs work or if they are a good investment of public funds. I have several unanswered questions about Rio Nuevo. What is the total taxpayer investment in each Rio Nuevo project (ie, Rio Nuevo funds, city sales tax rebate, free land, city GPLET deal, Arizona Commerce Authority, and federal incentives)?

Continue reading Do Tax Breaks for Developers & Sports Teams Really Boost the Economy? (video)

The Electricity Candidate?

William E. Powers, Jr.

Many of you know that some of my ancestors were abolitionists, but did you know that I also come from a family of electricians? In the Powers Family (of course)– Grand Dad, Grandpa, and Dad were all electricians. As Powers Electric, three of them wired most of the houses in Oberlin, Ohio, during the first half of the 20th century.  (That is Grandpa behind the counter of the Powers Electric store in downtown Oberlin, Ohio in the early 1920s.)

Given my family history, I thought it fitting that my first real public relations job was working at Arizona Electric Power Cooperative in Benson in the early 1980s– not long after we moved to Arizona. Even back then, I had misgivings about working for a coal-fired utility because I saw the devastation that coal strip-mining caused in Appalachia– including Southern Ohio where rolling wooded hills were transformed to miles of piles of rubble. (Hopefully, that travesty has been cleaned up by now.) I took the job at AEPCO because the pay was great, the job description fit my skills perfectly, and my partner had been laid-off– leaving us both unemployed with baby. (A few months before I took that job, we were denied AHCCCS and food stamps because we weren’t completely broke.)

Fast forward to 2016, and I’m running for the Arizona House. I have met with lobbyists from Tucson Electric Power (TEP), Arizona Public Service (APS), and now Grand Canyon State Electric Cooperative (GCSEC). I believe that it is valuable to meet with them because I am one of the few candidates who understands their industry and whose job it was to explain electric generation to consumers. Also– what’s going in the Arizona Corporation Commission (ACC) and its relationship with APS, the heated race for ACC, proposed demand charges and increased electric rates, and the life of the solar industry are all HOT topics in the 2016 election.

Yesterday, I had a congenial meeting with the GCSEC lobbyist. This is the umbrella group for the electric cooperatives in this area. Electric cooperatives were created by President Franklin Roosevelt to bring electricity to rural America through the Rural Electrification Administration (REA). The lobbyist said that I was the first ever candidate whom he has met who knows about electric co-ops and has actually worked for one.

Continue reading The Electricity Candidate?