This is the 4th in a series of 17, to be published every 3 days.

I will be updating the BIBLIOGRAPHY as installments are published.

This is a bomb ready to explode. There is a good idea of when and as time goes on, the fix becomes ever more difficult. A small tweak to the rates would fix the problem and most people wouldn’t notice the change in their check. Social security was not originally intended to be the cornerstone of retirement, but over time it has taken on an increasingly larger role in the functioning of society. As part of our slow progress towards a better world, Social Security becomes a bigger factor. We take on the responsibility to provides a progressively higher minimum standard of living for all our citizens. We should be looking at a small increase at the minimum levels of payment to provide a better life for those dependent on this, who weren’t fortunate enough to work at a job that would entitle them to a higher benefit.

I understand this can be a political hot potato, but our Representatives and Senators need to get off their asses, screw up some courage and do it. The explosion probably won’t have a big impact on me, but I can’t just sit here. To do nothing is benign complicity and there are consequences. The current estimate is about a 30% reduction in benefits in about 15 years. The majority of people receiving Social Security benefits need them to maintain some semblance of a quality life. As a society, how can we consciously decide innocent people don’t deserve a reasonable quality of life? This can easily be prevented with small tweaks in the system if we act now. Why haven’t we moved? Our legislators are theoretically in office to serve the needs of the majority of the people. They need to do their job.




This is the 3rd in a series of 17, to be published every 3 days.

I am adding a Bibliography that will be updated as more installments are published.

Some people might argue I don’t have the right to speak to tax policy. Because of my circumstances of low income, mostly from Social Security, I haven’t paid taxes in several years. I have paid my share and in the years I was paying a lot, I didn’t think about it much because I was left with enough to live a good life. I’ve seen both ends and know how they feel.

Tax reform is an emotionally charged issue, but it shouldn’t be. There are many good avenues to be explored. Make no mistake about it, tax policy is about social policy and trying to elicit certain types of behavior. The following list is some of the items that need to be addressed along with some potential solutions. The growing national debt will be addressed in a later installment.


The top marginal tax rate needs to be increased to 70% for income over $10M per year. The current top rate is 37% for income over $600K for a joint return. This should increase to 45% at $1M, 50% at $2M, 55% at $5M, 60% at $7M, 65% at $9M, and 70% at $10M. Raising the marginal tax rate will increase the amount of charitable giving because it won’t “cost” the giver as much. The 10M threshold for the 70% marginal tax rate is 300 times earnings if the minimum wage was raised to $15 per hour. The incentive to produce is still there and society is benefited.

Medicare tax should be extended to the value of stock options granted and other non-cash compensation for service, including company cars and residences, memberships, etc.

The maximum limit for IRA’s should be increased to $20K per year and not limited to just earned income. They should not be used as an estate planning tool. Except in a transfer to a spouse, their value should be included in the estate of the deceased.

Student loans have been a drag on our economy and stressful to those paying them. A tax credit of up to $500 per year should be granted for tuition paid in the last ten years to a public post-secondary school until it has been recovered.

There should be a wealth tax on net worth in excess of $20M. This should start out as 0.5% in the first year in effect and increase by 0.5% each year until it reaches 2.5%. It should include offshore holdings.

We must close the door on aggressive tax loopholes. The value of options should be added to net worth to calculate wealth tax.

The estate tax should be eliminated. Instead the estate should be added to the income of the recipients, with a per person exemption of $50K to shield small estates.

Stock buyback programs are merely a disguised dividend to the shareholders who don’t sell their shares and should be taxed to the beneficiary as such.

Corporate tax rates: For the years 1951 through 1986, the corporate marginal tax rate was above 45%. The current marginal corporate tax rate is 21%. To get things back on course, we need to go back to a 45% marginal tax rate on corporate income. The rate should be graduated in the fashion of the personal tax rates with the top rate kicking in at $5,000,000.

Our legislators need to understand they are representing people not money. A plan like this, with rates set to eventually ease the national debt situation, will benefit the vast majority of the people of the United States.

There should be no differentiation between full and part time workers for any tax or benefit. Everything should at the minimum be proportionate, so as not to create a sea of part-time workers who have to work two jobs to make a living.




This is the 2nd in a series of 17, to be published every 3 days.

There is a popular movie titled “The Theory of Everything”. I want a new one titled “The Solution to Everything”. I had an epiphany this morning while brushing my teeth. (A very philosophical time). I recently Tweeted: “Incentive is the key to an efficient system.” I think it may be the answer to almost everything that needs fixing. Think of Capitalism and its success as an economic system. Sure, there are a few rough areas, but the system does work. If it was to be summarized in one word, that would be incentive.

I don’t believe changing our tax structure will disincentivize our system, just make it more fair. There were plenty of ambitious people when the top marginal tax rate was 90%. With a reliable social safety net in place, people will be encouraged to take risks, to innovate. It may be considered crass to imply that nothing will happen without some form of incentive, but think about it for a minute. In capitalism, the incentive is mostly monetary, but in other situations, other incentives can work. We need to find a way to reach everybody. This will require a multipronged approach. Some will be incentivized by monetary rewards, some by fame, some by internal satisfaction. We must appeal to all these motivations and any others that come to light. The economics and psychology of human behavior often takes peculiar detours. We must be cognizant of the consequences of our actions and take action quickly to correct deviations from our intended course. Keeping the carrot in front of the donkey is the answer to making it move. I know it’s cliché, but don’t be part of the problem, be part of the solution.

Many of you might be better at coming up with motivational ideas than me. I would appreciate any comments you might have.



INTRODUCTION: Toward a better and more livable life.

This is the 1st in a series of 17, to be published every 3 days.

We have a need to create an enduring, humane social safety net, without stifling the benefits of capitalism, so people will be allowed to flourish, develop their full potential and live a meaningful life. We need to eliminate all of the inequities rampant in our country. Many of the ideas in this manifesto are borrowed from two sources: The Green Parties “Green New Deal” and AOC/Markey’s “Green New Deal”. Some of the points in these two sources are too radical, even for me. I have filtered out what I think is unreasonable. I’ve added in some ideas from other outspoken, forward thinkers, and even added a thought or two of my own. I have tried to come up with something more comprehensive than either of the two plans, something that will further our society and pay for itself. Many people are crying the blues about how much social change will “cost”. My position is it will cost very little. What will change is when the price will be paid and who will pay it. Since the beginning of Reaganomics, we have been borrowing from the future at an increasing rate. Trickle down doesn’t work. We need to get in a pay as you go mode and not push this huge bow-wave of debt in front of us.

I would be disappointed if many of the ideas presented in this series were new to you. I consider them a starting point. I challenge you to do better, but do something. All the ideas presented in this paper integrate together and are synergistic. We must push a comprehensive plan of reform. This is a manifesto on what government can do to improve the country we live in and thereby improve the world. Our country is currently very flawed and needs fixing. In writing this, I am not representing any group. While many of the ideas are borrowed, this is my own work. I don’t have all the answers, it’s hard enough coming up with the questions.

A long time ago, I was a worker bee on a negotiating team. We were presenting our strategy to upper management. About half way through the presentation, the manger interrupted and said words to the effect: “you are approaching this with a scalpel when you should be using a meat axe”. While an approach this aggressive is not always the right way, sometimes it is necessary to attain a workable goal. We need to come at this hard.

There are a total of seventeen posts in this series. The length of each post is not indicative of the import of the subject covered. Nothing should be left out. I expect some of the content will irritate a certain portion of the population. I may receive some irate comments. I expect that. Let’s try to find some common ground in a calm manner and solve these problems for the good of our country. We need a focused, unified approach.

I want our country and the world to be a better place. The list of things needing to be done is almost endless. Starting from any base, it is possible for the average human to imagine only so much. I have come up with a list of things I see as needing to be addressed to get to my current definition of a Utopia. This is a constantly moving target, but we must start somewhere. There will always be more to do.

The topics I have chosen to cover in this manifesto should not be considered everything that needs to be addressed, but tackling all of them would create a dramatic change in the way we live and make this country a much happier place to live.

I realize the problem is higher than MT Everest, but if we start and keep at it, we can get to the top. Any problem, no matter how large, can be broken down into pieces small enough that something can be done today. We should try to make some progress, no matter how little, every day. If we start accomplishing things and keep track of our progress, our enthusiasm for change will grow and self-propagate. I believe all the issues should be put on the table at once. People using special leverage or rules to stymie progress should be called out. This should be sold to the general population, the majority. I’m a firm believer in the economic system being able to adapt. Phase some of the changes in and the system will take care of itself.

One of the reasons for having much of this done at the Federal level is to give some help to areas of the country not as economically advantaged, but with good people, able to make a contribution.

A satisfaction with being a part of a new social order. Thinking of new ways to approach the problems of our country. That’s why I’m writing. If you have comments or suggestions, please include a comment.


More About Blogging

I’m entering my fifth month blogging. It’s been a strange and interesting journey. I have never been much of a writer, but that has changed. I don’t know how long writing for the world to see will be important to me. For some it’s a lifetime passion. I didn’t start until a point in my life when many think it’s almost over.

Blogging is an interesting concept, made popular by the ease of accessing the internet. Is there anybody who’s life isn’t impacted by the internet? A person can set up a blog in about an hour and say almost anything they want. It doesn’t have to play to a large market. You can do it for free if you have a connection. If you can’t afford a connection, I assume you can blog from the public library. It is the most democratic, non-discriminatory media available for social comment, philosophy, or just babbling. I’ve done all of these. Does it serve a useful place in our society? Yes. Could it be done better than it is? Yes, but that would partly undermine its character and its role as a vehicle for change. It is an effective way to get a multitude of ideas out there for people to think about. I’ve seen more ideas with slight variations since I have been blogging. As I blogger, I read many blogs for inspiration, ideas to comment on, and just a different perspective. It’s good to see views different from your own.

I’ve read a little about how to grow an audience for your blog. The conventional wisdom is to focus on one topic or genre. My sometimes contrary nature forces me to do the opposite and let the chips fall where they may. My topic selection is eclectic, but I do tend to focus on political and social issues. I am currently working on a seventeen part series on how I feel the country should be run. Everyone has their own theories on how this should be done. The difference is I’m going to put mine out there for everyone to see. In my reading about how to write, one of the problems some writers face is turning loose of their writing. Is it done yet? Is it good enough? I am experiencing some of these feelings with my Manifesto for Change. It for sure needs more work, but I am setting a tentative target to publish the first installment on February 18, 2019, with additional installments every three days after. It needs to be in final form before I start to make sure it fits together, at least in my mind. When it does start running, I would appreciate any feedback.