Should the US raise the age of retirement?

When President Franklin Roosevelt created the Social Security Administration as part of the New Deal, his goal was to create a safety net for poor elderly Americans. Retirement age was set at 65, when life expectancy was age 63. In other words, the benevolent federal government was willing to take care of the folks who made it that far-- realizing that most wouldn't.

At the onset of Social Security, there were 40 workers contributing to the Social Security fund for each retiree. Fast forward to 2010, when the US life expectancy is 77.7 years, there are now 3.1 workers for each retiree drawing benefits. As Baby Boomers continue to retire, the ratio of workers to retirees will become more lopsided.

Baby Boomer retirements also will contributed to a future labor shortage. Although the US is currently in a recession and unemployment is at 9.7 percent, by 2018 a US labor shortage has been projected by the Bureau of Labor Statistics. According to government figures, there will be 15.3 million new jobs in 2018. With work force participation among Baby Boomers decreasing, only 9.6 million of these jobs will be filled, reports the Wall Street Journal. Depending upon retirement rates and how many people hold multiple jobs, this could leave 3-5 million jobs vacant. Along with creation of new jobs, the US workforce will become much more diverse with a 33.1 percent increase in workers of Hispanic origin vs a 4 percent increase of workers of non-Hispanic origin. Rates of Asian and African American workers also will increase.

To solve the labor shortage and the Social Security's looming financial problems, some are calling for raising the full retirement age to 70 and tying it to life expectancy. (If this happens, there may be a mass exodus of Baby Boomers moving to Europe where the retirement age is 60! Time to brush up your foreign language skills.)

What's a country to do? Personally, I don't support raising the retirement age to 70. Yes, many people are physically capable of working at age 70, but will they have the skills for these newly created jobs? I see a skills disparity among workers now. As an employer, when I have a task that requires high level computer skills, I give it to my 20-something employee, not my 60-something employee because I know he can get it done more efficiently, and if he doesn't know how to do that particular task, he knows how to seek web-based resources to accomplish it.

Since the US will need young, capable, industrious workers in this decade, why is there such an outcry against the DREAM Act and a path to citizenship for undocumented people currently living in the US?

Why is are there calls for checking papers at K-12 schools and denying education to children who live in the US?

Why? Because it is politically expedient.

In this era of partisan-fueled xenophobia, I believe that our country-- and particularly our state-- should take a pragmatic look to the future, discard the racist rhetoric, welcome people to this land of immigrants, and offer them an education. We're going to need them.

This article originally appeared in my Baby Boomer Examiner column. (In the photo above-- my parents.)

New Year's Resolution: Do More with Less

A few years ago, I was walking through Macy's in San Francisco and checking out the latest fashions. This was about 5 years ago when the '60s and '70s looks first started coming back in style. The upscale downtown store was filled with fringed suede purses, lace-up leather boots, beaded necklaces, and crocheted vests from the hippie era and weirdly psychodelic mini-dresses, big sunglasses, and platform shoes from the early disco era. (Who knew that platform shoes would come back?)

The blue jean mini-skirts struck me in particular because they were authentically ragged, although quite pricey. The handmade look was reminiscent of the original blue jean skirts that we old hippies made in the early 1970s.

I sewed my first blue jean skirt from pair of cutoff shorts when I was a freshman in college. Since the dorm sewing machines were possessed by mechanical demons, we sewed these skirts by hand, which gave them a particularly crude look.

My mother was appalled by the rugged workmanship of my creation. In the fall of 1969, she sent me to college wearing wool sweaters with matching wool skirts, purses, and tasteful heels. When I came home in the spring, I was wearing a home-made love bead necklace that I strung; an orange hand-crocheted vest; my hand-sewn, blue jean mini-skirt; and Water Buffalo sandals. Except for the sandals, I had created my outfit with a handful of raw materials, a bit of ingenuity, and some skills I learned in junior high home economics class.

Fast forward 40 years to 2010, where is that personal ingenuity today? In the current economic climate, I believe we should look back to the '60s and '70s for direction. Gardening, composting, eating healthy meals, making your own clothes, living simply and naturally, and living in harmony with nature and other people were all in style.

How can you emulate this lifestyle today? Here are a few tips on living more simply:

- Evaluate your household. Does your house or apartment suit your family's size? Is if convenient to your work or do you have a long commute. You may consider downsizing or moving closer to your work to save money and energy costs.

- Do you know how to knit, sew, or crochet? These are useful skills. Consider taking a community class or asking a friend to give you a few lessons. If you know these crafts, teach your children. (They'll thank you someday.)

- Check out your closet. Are their clothes that could be updated or restyled into other fashions? Recycled fashion is in style-- particularly in Tucson. Maybe you could make pillow covers or other decorative household items from these clothes.

- Harvest rainwater and grow a garden.

- Plant trees to shade your property.

- Start a compost.

- Buy and eat locally.

- Reuse and recycle.

- Engage your family-- particularly your children-- in these activities.

I challenge you to more with less this year. You may find that this enriches your life.

This article originally appeared in my Baby Boomer Examiner column. To see a slide show of recycled art, check out this link.

I.O.U.S.A.: a case for fiscally responsible government

Pontificating about the national debt and fiscal responsibility is popular campaign rhetoric, but politicians haven't done anything significant to reduce the national debt since President Bill Clinton was in office.

In fact, under President George W. Bush, Clinton's $127 billion surplus was transformed into a record $455 billion deficit-- through repeated tax cuts for the wealthy, military imperialism, and adherence to the failed theory of trickle down economics. Now the debt is in the trillions of dollars--and increasing every minute.
As we approach a new year with cautious hope, many Americans are glad to see 2009 end. With skyrocketing unemployment and home foreclosures, failing local businesses, and bankrupt state and local governments, it has been a rough year and a half since the economic crash of 2008.

Watching I.O.U.S.A. One Nation. Under Stress. In Debt on New Year's Day was a chilling experience. The movie offers a learned but understandable look at the current national debt, how we are dealing with it (or not), and what the country has done in the past to pay off debt. For a thorough recap and independent review of the movie, check out this link.

In a nutshell, the premise of the movie is that the US actually has four deficits:

1- The federal budget deficit-- The national debt is $12 trillion and counting;

2- The savings deficit-- we are a country of consumers, not savers;

3- The trade deficit-- we buy more from other countries than they buy from us; and

4- The leadership deficit-- our politicians are more interested in getting re-elected, than making tough choices. The leadership deficit is glaringly apparent in Arizona, where the Republican governor and Republican-controlled legislature nip away at the multi-billion-dollar budget while avoiding tough choices and refusing to listen to ideas put forth by the legislative Democrats.

I would two more deficits to this list:

5- The education deficit-- It was shocking how many people in the movie could not define the word "deficit". This is a symptom of our failed educational system, which is only going to get worse in bankrupt states like Arizona. Public education in the US is in a downward spiral, and no one is acting upon this. After all an uneducated populace will not question those in power. If you can't even define "deficit," you're not likely to ask for accountability from the leaders who are running it up. We are shortchanging future generations by allowing this to continue.

6- The media deficit-- With the demise of local newspapers and the rise of television entertainment news, the media in the US is in a shambles. Our best hope for real news-- not controlled by corporate press releases-- is citizen journalism.

When the continuation of the war in Iraq, escalation of the war in Afghanistan, multiple stimulus packages and corporate give-aways, and potential healthcare reform are added to our current fiscal obligations and the impending financial doom with the government starts paying Social Security benefits to millions of retiring Baby Boomers, the scenario is mind-boggling. For years, US taxpayers have been paying more into Social Security than is being paid out to retirees. Within the next 10 years, as more Baby Boomers retire, Social Security will be obligated to pay out more than it takes in. This in itself is a problem, but the US government has been borrowing against the Social Security surplus for years. No more surplus = no more borrowing = an even higher budget deficit.

Where do we go from here?

- Americans have to be willing to make tough economic choices. Thanks to Ronald Reagan, Newt Gingrich, George W. Bush, and the ideologues at FOX News, many Americans believe we can have everything we want and not pay for it. Our credit card mentality has to change. The bill is coming due, and we have to figure out how to pay it.

- We absolutely have to hold our elected officials accountable. In many elections, there is a "throw-the-bums-out" sentiment. This can be good or bad. Yes, throwing the bums out can clean house, but it is not blanketly a good idea to vote for the challenger "just because". We should reward politicians who have the guts to make the tough choices for the collective good. (Except for President Barack Obama and some in his administration, I can't name too many politicians who are putting the public good in front of personal ambition.)

- It is unconscionable for us to spend, spend, spend and leave crippling debt, a crumbling infrastructure, and a devastated educational system to our children and grandchildren.

- What can you do personally? Get involved in your local community and local government. Register and vote. Educate yourself about candidates and issues. Talk with friends and family. An educated and informed electorate is the key to change. Check out the I.O.U.S.A. trailer as a first step.

- Release yourself from debt. Pay off your credit cards, cut them up, and close the accounts. Don't buy things you can't afford. Save money. Make a plan to become financially independent.

This article originally appeared in my Progressive Examiner column.

You know you're a Baby Boomer when...

20. You remember dial telephones, five-digit telephone numbers, and party lines—telephone party lines, not political party lines.

19. You remember watching The Lone Ranger, Howdy Doody, the original Mickey Mouse Club, Johnny Carson, and Steve Allen on a black and white television—although you were probably too young to understand the jokes Carson and Allen were telling.

18. You remember when almost everyone’s mom was a homemaker and dad was the breadwinner.

17. You remember the excitement of the Sears Catalog—especially the Christmas edition.

16. You remember when people paid cash for everything and to pay for Christmas presents in December people opened Christmas Club accounts the January before.

15. You remember when the only television stations you could get were the three local affiliates for NBC, ABC, and CBS. That, of course was long ago, when there was news, investigative reporting, and locally-produced programming on television.

14. You remember the British “invaded” the US—musically, that is—and all music was on vinyl.

13. You remember the draft and the prime time ritual of pulling military draft numbers from a rotating bin, as if it were a macabre, life-and-death lottery (which it was).

12. You remember the days that President John F. Kennedy, Robert Kennedy, Martin Luther King Jr., and the Kent State students were shot.

11. You remember watching the Senate Watergate hearings live on television and watching President Nixon leave the White House after his resignation.

10. You or someone close to you served in Vietnam, protested against the Vietnam War, or moved to Canada to avoid the draft.

9. You have at least dabbled in Eastern religions, meditation, yoga, tai chi, alternative medicine, vegetarianism, controlled substances, and/or composting.

8. You own a copy of the Tao te Ch’ing, The Tibetan Book of the Dead, Diet for a Small Planet, or anything by Carlos Casteneda.

7. You remember when everyone smoked cigarettes everywhere, and LSD was legal.

6. You learned to type on a manual typewriter.

5. You remember AM transistor radios were a miracle of technology, computers filled entire rooms, and data entry was done on key-punch machines.

4. You remember when abortion was illegal, and the birth control pill had not been invented.

3. You remember the sexual revolution before AIDS, HIV, and herpes.

2. You own something tie-dyed and wore it to a Woodstock 40th anniversary party.

1. Regardless of your gender, you have an old photo of yourself with shoulder-length hair, a beaded necklace, hairy armpits, and no bra.

We’ve come a long way, baby…