Thursday, October 4, 2012

America's Troubled Economy


Insanity has been famously described as doing the same thing over and over again, but expecting a different result each time.  The pattern of massive government spending, heavy Washington control, and cash handouts to politically connected ventures has been repeated for four years, with the same dismal results each time.  Retail spending remains in the doldrums, manufacturing languishes, and home prices continue at their low level.

Most devastatingly, unemployment remains at near-depression levels.  Both the number of unemployed persons, at 12.7 million, and the unemployment rate, at 8.2%, remain unacceptably high. The number of long-term unemployed (those jobless for 27 weeks and over) rose from 5.1 to 5.4 million, accounting for a deeply troubling 42.8% of the unemployed. The number of those forced to work only part time edged up to 8.1 million. There are also 830,000 discouraged workers, and many others who remain uncounted.On the other hand, since January 2008, the federal government’s payroll has skyrocketed by 11.4%.  With a near-depression economy, there are no funds to pay for all those extra government jobs, and no tangible programs or results to justify the hires.

Other economic indicators are equally troubling. Since 2007, inflation-adjusted family income fell 7.7%, and the decline in family median net worth has dropped 38.8%.  No improvement is in sight. Recent college graduates, whose consumer habits and needs can normally spark the economy, are now a drag on it due to heavy tuition indebtedness, at a stunning $904 billion, a $30 billion jump since the last quarter.  It’s so high that it exceeds America’s massive credit card debt.

The future currently holds no immediate hope of improvement.  Stocks are expected to sharply drop this fall.  Most worrisome of all is the looming threat of “taxmageddon,” the combination of the expiration of the Bush tax cuts and the implementation of 5 of the 18 new tax hikes from the President’s Health Care Act.  These two factors will draw almost $500 billion out of the private sector.

The Heritage Foundation  breaks down the increase on individuals as follows:  for families in general, a $4,138 increase; baby boomers, $4,223; low income workers, $1,207; millenials, $1,099;  and retirees, $857.  The burden falls primarily on the already hard-hit middle class, since the expiring Bush Tax Cuts provided 60% of its benefits on them and low-income taxpayers. Many analysts believe that the reluctance of businesses to hire now is a reflection of their concern over the predicted economic downturn from “taxmageddon.”

The reason the economy hasn’t improved over the past several years is clear.  Washington’s overspending—which benefits incumbents and not the nation or its citizens—remains unabated.  Even worse, bureaucratic meddling in the private sector, which prompted the Great Recession in the first place, continues to prevent it from recovering.

Governmental intervention in the housing market in the1977 Community Reinvestment Act forced vast numbers of unsafe mortgages on financial institutions. Decades later, President Clinton pressured Fannie Mae to increase its ratio of unsafe loans. The inevitable result of extensive mortgage failure held by these large institutions prompted the Great Recession.

Rather than pull back from high taxes and intrusive regulation, Washington continued and enhanced the very attitude that prompted the recession in the first place. Decisions were and are being made based on politics, not practicality.

Bailouts and “stimulus” programs have left the taxpayers deeply in debt, with nothing to show for it.   Unlike President Roosevelt’s New Deal, which failed to end the Depression but at least produced roads, buildings, parks, and other “brick & mortar” projects, there are no tangible results.  In fact, the depression-era arms buildup that did eventually put the nation back to work has been replaced by budgetary policies that cut planned funding for the military.

Our federal, state and local elected officials use your tax dollars as a campaign piggy bank for the benefit of their own re-election bids, offering everything to everybody regardless of whether it helps or hurts the national interest.  Heavy handed Washington control, and the redistribution of collected revenue, particularly from middle income taxpayers, is bankrupting the USA

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