Sunday, June 25, 2017

Bead 17: Coup d' éTom, Part 1

Jessica Morse has lived in more third-world countries than most Americans have lived in states.  Fresh out of college, there was Ethiopia, where she worked for a famine relief NGO.  Then there was a gig in Iraq with the U.S. Agency for International Development.  In India, while at the U.S. Pacific Command, she was tasked with strengthening the U.S. / India defense relationship.  And in Nepal, she followed her own vision, helping Nepalese women launch careers as mountain guides. 

These days, Jessica is back home in California's 4th Congressional District.  She hopes to capture it from everyone's least-favorite Tom when it's up for grabs in 2018.  She is a better choice than Tom McClintock for myriad reasons. Take her extensive public service.  Take her emphasis on humanitarian issues and diplomacy.  Take her work at the State Department, where she managed the multi-billion dollar foreign aid budget.  And take her place of residence.  Jessica Morse lives among her potential constituents, rather than in a gated community outside of Sacramento.  In fact, Jessica presently lives among her potential constituents to the tune of their guest bedrooms and couches.  She is roaming the district, giving talks, meeting people.  What's more, she is listening.  And for those of us who have lost our voices pleading with the brick wall that is our incumbent congressman, that is perhaps Jessica's most shining asset.

I met Jessica in a bucolic backyard outside of Coarsegold, California.  She had been invited to speak at the monthly gathering of our local peace group.  There against a backdrop of horses, turkeys, and an emphatic parrot, and with Coarsegold Creek pooling and pulsing around boulders just down the hill, Jessica addressed us.

She started with a speech.  This took me somewhat aback, as the evening had been so informal up to that point.  We had all been drinking wine and snacking.  I had been sitting on a boulder, watching our hosts' small dog play in the creek.  There were kittens wandering around everywhere.  And then--a speech?

But Jessica's speech was as real and energizing as the springtime evening air around us.  She told us where she came from, and credited the whos and whats that made her.  She showed us how her values differed from those purportedly espoused by Tom (but suspected by many of us to just be stage props for his personal gain).  And she told stories that defined the contour lines of her character.  One of my favorites was from her time in Iraq.  She went for a run in what she had been told was a "safe zone," and promptly found herself surrounded by a dozen armed militants who intended to kidnap her.  She scrambled around in her head for what to do, and ended up sprinting directly at them--as if it were they, and not her, who were about to be taken prisoner.  They were startled, and let her go.

Jessica Morse at the Oakhurst Area for Peace's June 14 gathering.  Photo courtesy of Matt Henderson.

By the end of the speech, I knew Jessica to be courageous, innovative, and committed to the greater good.  Moreover, I liked her.  We had things in common; for example, our predilection for long-distance walking.  She once hiked 500 miles of the Pacific Crest Trail, covering the entire length of California's 4th Congressional District, and then some.  I once hiked the Pacific Crest Trail.  I never thought of my backpacking credentials as something that would strike a chord with any of my elected officials.  And yet here she was, talking about the High Sierra the way I knew it:  as a place to live, and cherish, and move through slowly.

Jessica's Q-and-A session impressed me even further.  One of the first questions came from a man who had driven several hours, from a town at the southern end of the district, to be here.  His was actually several questions in one, and they weren't softballs.  He was fed up with our government's foreign policy blunders and military overreach.  He wanted to know why we had 800 military bases around the world.  He wanted to know how we had managed to mess up Iraq so badly as to foment the rise of ISIS.  He wanted to know a number of other things that I don't remember now.

But Jessica remembered everything.  She addressed his questions thoughtfully, and in order.  She provided a detailed summary of our government's errors in Iraq, linking them to the present-day unrest.  She discussed our bloated military budget, and made suggestions for cuts that could be made.  And she laid her own, clearly-defined opinions out on the table for us to look at, rather than sticking to the safe, vague rhetoric that is the domain of so many modern politicians. 

Later in the Q-and-A, one of my fellow peace group members tipped Jessica off that "this is a Bernie crowd," and asked Jessica how she could help us reconcile the fact that she had volunteered on the Clinton campaign.  Again, Jessica did not disappoint.  She gave a good reason for her support of Hillary; namely, that she had worked under her at the State Department, and had been impressed with her approach for promoting democracy in Burma.  She didn't apologize for endorsing Hillary over Bernie, and she certainly didn't backpedal.  At the same time, she highlighted those Bernie planks that especially resonated with her; for example, free college tuition.

Also in the Q-and-A, we learned that Jessica is trilingual.  She once had the opportunity to employ all three languages simultaneously.  While in Nepal, she met a lesbian couple from Spain who had just finished a trek.  She chatted with them for a while in Spanish before noticing a little girl hanging around.  She began speaking with her in Nepalese.  Instantly, the women were exclaiming, beside themselves.  They explained that the girl was their newly-adopted daughter with whom they couldn't communicate.  They only spoke Spanish.  The little girl only spoke Nepalese.  Jessica spoke both.

For the next hour or so, Jessica helped the couple get to know their daughter, and vice versa.  The little girl knew that she had been adopted, and was excited to go live with her new family in Spain.  For foods, she liked to eat lentils and rice.  The women told their daughter how happy they were to have found her.  And Jessica put her English-speaking brain in the middle, and did her best to fold the gratitude, the shy joy of the moment, from one language into the next.

At the end of the Q-and-A, we gave Jessica Morse a noisy round of applause.  The parrot joined in, squawking its approval.  And then the evening circled back on itself, into more wine and snacking.  Jessica lingered, and spoke with anyone that wanted to.  I went up to her with two burning questions that I hadn't gotten to ask in the Q-and-A.  First, did she live in District?  (The answer was yes, and that was when I learned about the couch-surfing.)  Second, did she support single-payer health care, as in the bill that was currently making headway in the California State Legislature?  (The answer was yes again.)

And then we talked backpacking.  Her pack is a Deuter; mine is a Gregory.  We love all the same places.  I ventured that we must have crossed paths at some point, along the John Muir Trail or a quieter Sierran side route.  And we agreed to find ourselves in the mountains together at some point in the future--perhaps with a fundraiser hike up one of the 4th District's fine peaks in the Ansel Adams Wilderness or Yosemite.

California's 4th Congressional District is its own spectacular world.  It only makes sense that it should be represented by someone who has experienced it from top to bottom.  By someone who wants to protect it, to keep it clean and livable.  By someone who cares deeply for people, and most especially for the people of the 4th.  And, of course, by someone who calls our District home.

Tuesday, June 13, 2017

Bead 16: A Cleaner, Greener Retirement Plan

I know that there is the Irish Republican Army, and I know that there is also the Individual Retirement Account.  I know that I have one of the latter.  I know that I get a few statements a month pertaining to my IRA, and that they go one of two places.  On days when I'm feeling particularly mature, like a grown-up who handles her own business and plans for her own future, the statements go (unopened) in the wicker basket in my kitchen, joining a host of bills, receipts, and other items to be dealt with at a later date.  On days when I'm feeling more myself, the statements go (unopened) in the box of burnables next to the woodstove, or straight into the fire if there happens to be one. 

I'd say I open roughly 25 percent of my IRA statements.  There are just too many of them, and I don't really understand what they are trying to tell me.  But about a year ago, on one of my grown-up days, I opened a thick packet from my friends at the Growth Fund of America (AGTHX), who at that time had all my money.  I can't remember what made me do it.  Perhaps it was the heft of the envelope, and the hefty postage it cost for them to get it to me.  At any rate, I opened it, and it was sort of a hybrid brochure / coffee table book of what the Growth Fund of America was all about.  And then I saw, with my own eyes, exactly where my money was.

It was like an evil scientists convention.  For fossil fuels profiteering, I had Halliburton, EOG Resources, Exxon, Chevron, and Shell.  For toxic food, I had Monsanto.  For weaponizing the world, I had Lockheed Martin.  For exploiting addiction, I had Philip Morris and Teva Pharmaceuticals.  For deforestation, I had Weyerhauser.  For child slavery in Africa, I had Nestle.  For fake news, I had Fox.  And for big banks, I had all of them. 

It was more than a girl could bear.  Slipping the brochure into the firestarter box, I vowed to make a change.  I didn't quite know what to do, but I suspected it would start with calling my financial advisor.  That.  I would do that.

But twelve months came and went.  A ream of envelopes from Edward Jones and American Funds went into the wicker basket, or the woodstove.  It wasn't that I didn't care.  In my day-to-day life, I was attempting not to buy food from companies that used Monsanto products.  I had stopped eating Nestle and other peddlers of "slave chocolate."  I never tuned in to Fox news.  And as the Dakota Access pipeline cleared its final hurdles, I had divested from a couple of the big banks that were behind it. 

The culprit, I now see, was inertia fueled by lack of confidence.  I didn't know anything about IRAs, other than that they weren't the plural of Irish Republican Army.  I didn't know what "funds" were.  I didn't know if I got to decide where to put my money.  And so I just sat on my hands as my retirement fund continued to grow, courtesy of all my anti-values.

My friend Susan issued the wake-up call.  It was a small moment; she just mentioned at one of our local peace group meetings that she had brought her investments in line with her principles, and the rest of us could, too.

I scheduled a meeting with my financial advisor.  It was my second-ever meeting with him; the first was when I opened my account.  I told him what I wanted:  a retirement plan that would let me sleep at night.  I floated a couple of ethical funds past him that I had found in a quick Q&A with Google.  He agreed to research some funds of his own, and get back to me shortly with my all-new, earth-friendly, people-friendly portfolio.


I actually opened this envelope from Edward Jones!
 
The envelope came in the mail last week.  It was another big one, stamped three times to ensure its passage up the hill from the Edward Jones office in Oakhurst.  I have to confess, it did have a short stay in the wicker basket.  But just a few days ago I opened it, and found that my retirement savings now sit in funds with names like TIAA-CREF Social Choice Equity Fund (IFBFX), Neuberger Berman Socially Responsive Fund (NBSLX), and Hartford Environmental Opportunities (HEOIX). 

My work is not done.  My advisor evidently thought I would be comfortable with mostly ethical investing, and so he stuck a few bad apples from American Funds in there, including a fund with considerable fossil fuels and Philip Morris holdings.  But now that I know a little more about my finances, and have seen that I can be the boss of my own IRA, I'm not afraid to go back to him and ask for more.

Sunday, June 4, 2017

Bead 15: Food Stamps, Medicaid, and Office Hours with Matt

When it comes down to it, I am a people person.  I get disgusted with humanity as a whole from time to time, or with large sectors of humanity.  But when I am face to face with another member of my species, I tend to find the good.  I find points of connection.

If I were to sit down with my Congressman, Tom McClintock, I am pretty sure things would not go well.  Even if I didn't have any preconceived notions about the guy--if I hadn't attended the Mariposa Town Hall, if I hadn't read his speeches and statements, if I didn't know his voting record--I suspect it would only take a few minutes before I felt justified in writing him off.  He is so smug, so patronizing, so fixed in his viewpoints; I can only assume that he would instantly offend.

Matt, on the other hand, is a charming and personable young man.  Matt is one of Tom McClintock's aides:  the guy who held the microphone at the Mariposa Town Hall, and has now manned several of Tom McClintock's scheduled office hours in Oakhurst.  I would drink a beer with Matt.  I would level with him.  Something along the lines of, "Come on, Matt.  You can tell me.  McClintock is a real dick, right?  I swear I won't publish it on my blog."

I attended McClintock's Oakhurst office hours for the first time a couple weeks ago.  I didn't know what to expect. Recalling the Mariposa Town Hall, when several progressive folk got their tires slashed, I chose not to walk my dog to the meeting spot.  I could have tied her up in the shade outside, but what if a McClintock supporter poisoned her?  I played it safe, and walked alone.

As it turned out, the office session was nothing like the Town Hall.  Matt was the only person in the room who identified with McClintock, and he certainly didn't seem like the dog-poisoning type.  He listened, smiled a real smile.  He made jokes, and not just about liberal people.  He took a lot of notes.  He didn't argue.  He was in a roomful of his political antagonists, and he managed to remain human. 

The hot topic at this month's office session was Trump's recently-released budget plan, a.k.a. A New Foundation for American Greatness.  No one mentioned it by name, I guess because we were trying to keep a serious tone.  But it was what drove the conversation.

A pharmacist was concerned about Trump's proposed axing of the student loan debt forgiveness program for public servants.  The executive director of our local tourism bureau was concerned about the axing of BrandUSA, which I had never heard of before, but which is evidently a publicly-funded organization focused on promoting U.S. tourism to the rest of the world.  And I raised my voice about Trump's proposed axing of poor people.

Okay, I guess he hasn't yet announced any plans to directly eliminate poor people.  But with A New Foundation for American Greatness, he proposes to cut the lifeline to America's most vulnerable populations with drastic slashes to food stamps and Medicaid.

One of many such billboards along Highway 99 right now, demonstrating how crucial California's Medicaid program is to its residents

If we are to believe the rhetoric about social welfare programs that has been promoted by Republicans since FDR's New Deal, I am an anomaly.  That is because I once used food stamps, Medicaid, and various other entitlements, and now I don't.  The reason I used those programs was that I was a single mom trying to get an education and somehow still put food on the table.  The reason I don't anymore was that I finally got that education, and was lucky enough to find work that allows me to pay my own way.  Contrary to the rhetoric, I was happy to give up entitlements once I saw my own, strong safety net taking shape.

The thing is, I'm not an anomaly--not the way McClintock and his ilk think I am, anyway.  This is what I tried to convey to Matt.  Nobody wants to be on public assistance.  Approach any welfare recipient of sound body and mind, and offer them a good job.  Not a Wal-Mart job, not something that will barely push them out of eligibility while decreasing their quality of life and probably also their income.  That's not a real choice.  Offer them a job that pays a livable wage and benefits, and allows them to still parent their children.  In that scenario, public assistance is well worth leaving behind.

The sense in which I am an anomaly is that I had certain privileges that made public assistance inherently temporary for me.  My parents bought my undergraduate education; I was on the familial dole for those four years, and didn't need to ask the government for help.  By graduate school, I had spent my share of the family's college fund, and had to go it alone.  I cobbled together a meager income from stipends, student loans, and credit cards.  At first, I was a relatively well-off poor person, eligible only for Women, Infants, and Children (WIC) nutritional assistance and the Children's Health Insurance Program (CHIP).  Toward the end, I dipped below the federal poverty level, and qualified for food stamps and Medicaid.  But I was a graduate student.  I knew that once I got my Master's degree, I could get a professional-level job.  Entitlements were just a waystation, a little cache of resources that I could pick up and be along my way.  I was a runner bearing down on the finish line.  

For most Americans on public assistance, it's not that easy.  These are people in generational poverty, who don't have family money to fall back on, and aren't considering grad school.  In fact, nearly a third of households receiving food stamps in 2014 were headed by people without a high school diploma.  In the past, that figure has been well over half [1].  These are people for whom accepting full-time work means relinquishing as much as 50 percent of their income to child care [2].  These are people with transportation issues, language barriers, physical or mental impairments severe enough to make working difficult, but not severe enough to yield disability benefits.  These are people living at the ragged edge of the American Dream.  They are keenly aware of the Dream; they see it every day on their screens, at the grocery store, on the subway.  But for them, it's as unattainable as the Presidency.

Meanwhile, our President is doing all he can to keep the Dream exclusive.  A New Foundation for American Greatness proposes to cut $194 billion from food stamps and $627 billion from Medicaid over a 10-year period [3].  If that weren't enough, he also proposes a $70 billion cut to disability insurance [4].  The goal is to "close eligibility loopholes, target benefits to the neediest households, and require able-bodied adults to work" [5].

The President would have us believe that a lot of undeserving people are getting a free ride.  But who are those people?  First of all, public assistance recipients are overwhelmingly not "able-bodied adults"; two-thirds of those receiving food stamps are children, elderly, or disabled [6].  Able-bodied adults with no dependents may receive short-term food stamps relief while unemployed, but for long-term coverage, such adults are required to work at least 20 hours per week.

Secondly, to be eligible for food stamps and Medicaid, you have to make less than 130 percent of the federal poverty level.  Perhaps you don't know how low that is.  The federal poverty level for 2017 is $24,600 for a family of four.  So, to qualify for food stamps and Medicaid, your gross income needs to be less than $31,980.  What's more, your assets, at any given point in time, can't exceed $2,250.  I learned the hard way that this includes college savings accounts for children.  The bottom line is, you need to be dirt poor to qualify for these programs, and the government needs to see you eat your kids' chance for a future before they will step in to help. 



Although the atmosphere at McClintock's recent office session was neighborly, my voice shook when I finally spoke up.  Any kind of public speaking makes me nervous; a casual chat with Matt and a handful of my fellow peaceniks was no exception.  On top of that, I was sharing something personal.  In our country, there is an undeniable stigma against people who rely on public assistance to make ends meet.  At the office session, I revealed that I was, up until recently, such a person.  I made a shaky plug for the protection of food stamps and Medicaid from Trump's proposed cuts.  I reminded McClintock, through Matt, that these cuts will certainly affect people in California's 4th Congressional District.  Matt nodded and took notes.

Tom McClintock is not a man of the people.  He doesn't listen.  He doesn't sympathize.  He doesn't even live in the district he represents.  I don't expect him to care whether his constituents have health coverage and enough to eat.  I do expect him to care whether they vote for him.  I can only hope that Trump's proposed keel-haul of entitlement programs will hit home with McClintock--or more accurately, just 22 miles up the hill from home, where his district begins.  In the meantime, you'll find me at the Oakhurst office hours.   

References

[1] Center for Poverty Research study on food stamps:  http://www.ukcpr.org/sites/www.ukcpr.org/files/documents/DP2013-01.pdf