Tag: healthcare

By Posted on Posted in Business Ethics, Business-general, Consumer Issues, Democracy, Diversity, Energy & Sustainability, Ethics in Government, Ethics-International, Green Business, Green Living/Green Lifestyles, Innovation, Marketing Techniques and Philosophies, Marketing Trends/News, Mindset, Politics, poverty, Psychology, Social and Economic Justice Tagged with , , , , , , ,

The first thing I do when I get online each morning is read a few things:

  • Poems of the day from Rattle, The Academy of American Poets, and Second Coming.
  • Heather Cox Richardson and Robert Hubble for analysis of the craziness in the US government right now and how people are fighting back.
  • Seth Godin for his deep insight, creative thinking, and common sense in the business and learning worlds, and news roundups from among The Guardian, New York Times, and/or Associated Press. (Disclosure: I donate to The Guardian and Associated Press)
  • Bob Burg, with his daily sermon on succeeding by treating people right, is often on the list.

Today, Godin opened my eyes to a completely new understanding of economics with one sentence:

The price variation in any market reflects not what the market will bear, but what the people in that market can bear to charge.

Brilliant. And I don’t think I’ve come across this anywhere else. It changes everything, doesn’t it?

He backs up his thesis with examples as different as the pricing of luxury handbags and concert tickets. He discusses how rock musicians who allow promoters to scale tickets out of the range of affordability for most of their fans pay a price in loyalty. And he talks about how that particular dynamic came out of outsourcing concert pricing to third party vendors like Ticketmaster who don’t really give a flying f about the fans as long as they can find enough who are willing to pay hundreds of dollars when they could just as easily spend $10 on a movie in the theater or nothing to watch it at home.

I’ve made those choices many times. I paid $6 in 1972, as a 15-year-old without a lot of cash, to see the Rolling Stones in Madison Square Garden. That’s only $46.24 in today’s money. Most of the time, if a concert or theater ticket is more than $100, I will choose a different form of entertainment. I think I have made four exceptions: The Who, my all-time favorite rock band that I had never seen in concert; tickets for touring Broadway productions of “Hamilton” and “Wicked”; also an actual Broadway show, but I’m not sure which one it was.

The three that I remember were actually worth the money and I didn’t regret spending it. But if I had spent that much for some of the mediocre concerts I’ve seen by top acts, I would have been furious, feeling totally ripped off. I saw many of them as either a concert reviewer or an usher, and thus didn’t pay to be ripped off. But it was frustrating even to give up an evening for something that wasn’t worth it and was charging a lot, even though I wasn’t paying. it was an insult to the fans.

But concerts are by definition discretionary purchases. Let’s look at price elasticity in other contexts that Seth didn’t mention—such as necessities.

Many have jumped in price far beyond inflation. Housing is one of them. But housing is something we have to have. Other societies consider housing a basic right. There is no homelessness problem in Cuba. Medical care and higher education, two other sets of services that have shot up in price here in the US, are also provided to everyone there. But they have an authoritarian government and they have deep poverty.

When I visited in 2019, the biggest complaint that I heard, and I heard it from almost everyone I met, is the inability of wages to keep up with the cost of living. Most workers make about $20 US a month. Doctors make $60 or $70. Our guide told us that the only reason his wife is able to afford to be a doctor is because he makes far more than the typical Cuban income from his clients’ tips. Sometimes, it is about trade-offs.

But sometimes, it’s not. Europe proves that decent, democratic governments can afford to treat healthcare as a right and keep higher education extremely affordable as well (housing, not so much). And they’ve also made huge progress in greening the economy.

China also has an authoritarian government. But the streets of its cities are crowded with relatively inexpensive electric cars (which is to say, still totally out of reach for most Chinese—but enough can afford them that massive traffic jams are common). This transition was quite conspicuous between my first trip to China in 2016 and my return in 2024. I rode in several of them and was impressed with how well they seem to be designed. Those stubborn trade-offs with their moral dilemmas.

Yet, for the past year, we have an authoritarian government in the US. The ugliness of its actions and policies would have been unthinkable just a few years ago.

But unlike Cuba and China, the benefits are not accruing to ordinary people. This government is about benefiting billionaires and openly, blatantly lining its leader’s and his friends’ pockets while collecting undeserved and insincere tributes from those who understand that they can flatter their way to what they want, even if they want things that are absolutely at odds with the interests of us ordinary people.

Seth’s thesis is not the whole picture, though. It’s a both-and, not an either-or. Price sensitivity is certainly an issue in purchase decisions—but so is sensitivity to what your market could pay without feeling exploited and ripped off. In my own business, I’ve kept my pricing far lower than most, because that makes me affordable to the solopreneurs and microbusinesses I enjoy serving. I don’t want to live in the corporate world enough to charge too much for my preferred clients, and those huge corporations have in-house people who do what I do. I also recognize that money is one means to an end, and there are others—such as what I referred to earlier: volunteering or reviewing instead of buying tickets

It is also quite possible to make a good profit serving the bottom economic tier. I recommend two great books on this: The Fortune at the Bottom of the Pyramid: Eradicating Poverty Through Profits by C.K. Prahalad (out of print; that’s a link to a used copy) and Business Solution to Poverty by Paul Polak and Mal Warwick. That link takes you to bookshop.org, where your purchase supports the independent bookstore of your choice instead of lining the pockets of an oligarch who has aided and abetted the authoritarian government that has taken over the US.

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By Posted on Posted in Politics, Uncategorized Tagged with , , , , , , ,

It is less than six months until the US elections for President, House of Representatives,and one-third of the Senate.

A year ago, seeing the level of hate and vitriol against Obama from the ultra-right, and the paralysis of government, I was pretty convinced that the Republicans would win easily. Now, however, I think Obama will prevail, at least if the votes are counted accurately and the voters are allowed to vote (both of them BIG ifs, in the wake of anti-vote legislation and the near-unanimous adoption of vote-counting techniques that are entirely too easy to rig, as we saw in Florida in 2000 and Ohio in 2004).

What’s changed?

  • The other candidates have been making very cogent arguments against Romney; the Republicans have given Obama plenty of ammunition.
  • Romney himself is the most clueless major-party US presidential candidate I can remember, constantly putting his foot in his mouth, constantly shifting positions, and failing to convince pretty much anybody of his sincerity, his integrity, his ability to relate to common people, or even his basic competence. It’s almost as if he were coached by Dan Quayle and Sarah Palin.
  • The Occupy (a/k/a 99%) movement has focused long-overdue attention on class issues, while Romney has cheerfully embraced his fellow one-percenters.
  • The Republican Party as a whole, with Romney’s open support, has made it clear that their tent is not big enough to hold unemployed people, Latinos, women’s reproductive rights supporters, gays and lesbians, or students—or even moderate Republicans (just ask Senator Richard Lugar). Obama has opened his arms to these constituencies. If the Democrats can get all those folks to show up and vote, they win.
  • It is painfully obvious that Washington’s political gridlock is the Republican Party’s doing. They’ve been dubbed “the party of no” for good reason. People are sick and tired of the constant obstructionism and of the specifically stated goal of Senate Minority Leader Mitch McConnell: “Our top political priority is to deny President Obama a second term.” Not exactly an appropriate priority for a country still struggling with a deep recession, two major and several minor wars, crises in healthcare and education, and all the rest.
  • Nobody likes a bunch of name-calling whining bullies. Instead of proposing actual solutions to our country’s problems, the Republicans have race-baited, religion-baited, called him a socialist (for goodness sake—Richard Nixon has a more progressive record!) and a Muslim, and all the rest of the ridiculous Big Lie nonsense.
  • While Obama’s accomplishments are smaller in number and far more centrist than they need to be, he can point to some real strides: The economy is better, Osama Bin Laden is neutralized, Don’t Ask Don’t Tell s justifiably buried, two terrific Supreme Court Justices have been appointed (we need one more to replace one of the four on the extreme right), and something vaguely resembling healthcare reform actually got passed, where every other president since FDR failed.
  • The right cannot attack Obama on the places he’s most vulnerable: personal liberty, an absurd faith in nuclear power, failure to keep his promises on renewable energy, and an inability to get us out of all these wars—because Obama’s positions on all these issues pretty much are the Republican positions.
  • And finally, even if they totally forgot to do the necessary organizing to pass his agenda, Obama’s campaign knows a whole lot about social media and community organizing. This provided the edge in 2008, and could do so again if the Dems can convince young voters especially that they haven’t sold them out, and that the kind of change they voted for in ’08 may be difficult to achieve, but it would be impossible under Romney.

Still, the Democrats cannot and should not take victory for granted, and they have to make sure to pick up seats in Congress as well.

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By Posted on Posted in Abundance and Prosperity, Democracy, Energy & Sustainability, General Commentary, Green Business, Peace and War, Politics, poverty Tagged with , , , , ,

While the GOP lines up to see who can be more crazy and out-of-touch and unintelligent than their competitors, the Left is strangely quiet. Haven’t even heard rumblings of candidacy from Congressman Dennis Kucinich, who has set the bar for leftist challenges in the past two presidential elections.

And this is odd, because Obama has failed the Left, despite being elected on a platform—dare I say a mantra—of “change.”

Yes, he can claim a number of significant accomplishments—one blogger found Obama’s legislative accomplishment rate was an astonishing 96 percent—but on most of the issues that really matter, his record does not inspire:

WAR:

We’re still in Iraq, where five US soldiers lost their lives this week. And we’re way deeper in Afghanistan than we were, with about 100,000 troops on the ground. And we’ve deployed in Pakistan and Libya. The only real move toward peace was Obama’s recent speech on the Israel-Palestine conflict

HEALTHCARE:

All that energy into the pathetic and complicated Obamacare compromise! Not only was single-payer not “on the table,” but even the wimpy public option was taken off the table. What was left?  A gift to the insurance industry and not much else. I want a candidate who will propose a one-sentence health reform bill: “All US citizens and legal residents are eligible for Medicare from birth.” If we need to phase it in, start by moving eligibility to age 55, then 40, then 20, then zero over a period of years.

ENERGY/ECONOMY/ENVIRONMENT

I lump these three together because the solution integrates across the disciplines: A massive, Marshall-plan-style initiative to get OFF fossil and nuclear energy sources in ten to twenty years, replacing them with sources that are both clean and renewable (with special attention to deep conservation that reduces the need for energy by 50 percent or more). We’d use government loans to jumpstart the effort, bring the price of conversions down, and front the money for homeowners, tenants, farmers,  and business owners to get systems in place—with the loans repaid out of the energy savings. This would boost the economy, create hundreds of thousands, maybe even millions of jobs, get people out of poverty, put them back to work, remove our biggest reason for starting wars—and drastically reduce our carbon footprint, all at once!

The candidate who can articulate this vision, who can claim the unfinished mandate that Obama promised and didn’t deliver, has a pretty good shot at galvanizing the American people—if they can be convinced that these changes are actually possible.

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