Showing posts with label Economics. Show all posts
Showing posts with label Economics. Show all posts

Tuesday, November 5, 2013

Thoughts on discrimination

I've been thinking about the cases recently in which, in order to comply with anti-discrimination legislation, business owners are compelled to provide services which violate their conscience. (e.g. the florist who didn't want to service a gay wedding because she felt that homosexuality is a sin.)

My first thought: arguably, homosexuality is an involuntary condition, such as race or gender, not a specific behavior. Someone is homosexual if they are attracted to members of the same sex, regardless of whether or not they ever consummate a physical union with a member of the same sex. In the same way, a person can be attracted to members of another race without marrying a person of another race. I think the homosexual marriage/interracial marriage analogy is appropriate, because both have/had a great deal of social stigma attached to them, and both involve the natural culmination of an inherent and natural disposition/personhood, as opposed to any conscious and active perversion. To be clear- I see no justification, morally, scripturally, or in any other way, for prohibiting interracial marriage, though there are those who do. The very idea of prohibiting, or looking askance at, interracial marriage is ludicrous and offensive to me in the extreme, because it presupposes fundamental differences between races that I hold to be entirely false. In the case of homosexual marriage, many more people still believe that it is sin, though many people do not. (I support the right of any two unmarried, consenting adults to obtain a civil marriage at their whim, by the way.) So- to be consistent, I think we must apply the same rules to gender, race, and sexual orientation when it comes to discrimination. If it is wrong to discriminate against a person of another race, then it is wrong to discriminate against a person of another sexual orientation. (I am assuming that any pedophelic behavior is not an orientation, but a predatory, criminal perversion of the most obscene and horrific sort)

That said..... to what degree are the dictates of our conscience subject to civil law? Ought we to be enforcing an enlightened perspective where it does not exist? And another important question- does a business owner, complete with personal conscience, differ as an entity from the owned business? To that, I would say no, unless the business was in some way publically owned and traded, publicly funded, contracted to the government, etc.

Here is where I'd draw the lines of anti-discrimination legislation, if they were mine to draw:

1. No discrimination against customers is allowable based on race, gender, sexual orientation, etc in the following places:

  • Any government entity of any level or function, or business which contracts with the government at any level or function.

  • Any business which is publicly owned, traded, maintained, or funded

  • Any business which performs lifesaving services or services the lack of which may leave a customer dead, injured, maimed, deformed, or unable to care for themselves or their dependents. (Examples include hospitals, emergency clinics, homeless shelters, food pantries, grocery stores, utility companies, home health agencies, elder care facilities, etc For things like clothing and auto/mechanics/parts houses and restaurants, I would say that if it's the only one in town, it provides an essential service and may not discriminate. If it is one of several in close proximity, it may discriminate as the owner wishes for all presumably-about-a-day of its commercial life.)


The business situations above are situations in which the private business is not synonymous with its owner.... indeed, I rather like that as a litmus test. :)



So, most businesses would be under anti-discrimination law. Those that would not would be privately owned entities dispensing non-essential goods and services like flowers, candy, event rental facilities, shoes, accessories, etc. Honestly, I think the number of people discriminating against other races, genders, or sexual orientations would hopefully be small at this point, and their businesses easily boycotted.

I think we should recognize that a sole proprietorship business type, particularly, assuming no outside control or civil involvement, should be synonymous with the owner/operator. A business is not an autonomous machine- it is the sum of the people who operate it- just as the government is a group of elected or appointed people, not a faceless entity. (At least it should be!) I am not different as the owner/operator of my Piano Studio- I am the same Mary in both cases. I behave the same, and the law should treat me the same. I would apply this to corporate taxation as well, by the way- there is no such thing as a business tax. There is only a tax on the owners, operators, employees, and customers of that business.

If I were the sort of racist $%$^&%  who wanted to refuse to service people of color in my hypothetical florist shop, I could do that. If I wanted to refuse to sell auto parts to a woman, assuming I wasn't the only one in town, I could do that. I could also deal with the lack of business from the husbands of women and the friends of people of color and deal with my inevitable financial losses. On the other hand, if I were an OB I could not refuse to treat the surrogate carrying the child of a homosexual couple and I could not refuse to sell groceries to that nice interracial couple. I think we can, and should, find a balance between respecting the freedom of business owners to operate their businesses as they see fit and respecting the safety and dignity of those whose life path or person garners the disapproval of some. There are some people who would call me a heretic theologically, or a Jezebel, (thanks, feminism and egalitarianism!) or a homewrecker because I bring in an independent income. As revolting as those sentiments are, the policing of thought required to forcibly eliminate them is more revolting still. 

Monday, October 14, 2013

Thoughts on the shutdown

My feelings on the partial US government shutdown boil down to two thoughts, really:

1. Math. Use it. If you don't have money, don't spend money.

2. Congress- know your job, and do it. The same thing goes for our President. Your job is to make a reasonable, mathematically viable budget and stick to it. If you disagree with your legislative colleagues, your job is to negotiate where you can. Refusal to converse or negotiate is generally immature.


Budget bills originate in our House of Representatives by law. The House decides the budget and submits it to the Senate. The Senate can approve or not, and they may send it back to the House/ suggest changes, but they don't write the budget. Neither does the President. The President can veto a budget bill as long as it doesn't have sufficient votes. It is the job of Congress to negotiate a workable budget, and refusing to cut spending from pet projects when there is a deficit in other places, and wanting instead to simply borrow more money, seems to me a truly irresponsible way to do this. Ahem... <senate.> The President and John Boehner cooperated on a deficit reduction plan in 2011, but now the President and the democrat-controlled Senate are unwilling to abide by it, and have instead been holding 800,000 + federal workers' salaries and large chunks of the government bureaucracy hostage until the House capitulates and the budget goes according to Democratic demands. This is a personal  subject for me, since my husband, the primary breadwinner for our family, will not be getting paid until the shutdown ends. (It is particularly frustrating because other similar jobs he could take in the private sector would be considered a conflict of interest and could result in his being permanently fired from his government job, or in certain other legal consequences. It is as if the government is telling us that he cannot work, cannot be paid, but also cannot go to work in a similar capacity elsewhere. His only option at this point is day/temp labor, as what long term employer outside his field is going to hire him, being both grossly overqualified and unlikely to work for them more than a few days or weeks at most? Hopefully, it will not come to that.) However, we support the House's efforts at fiscal responsibility and hope that they do not capitulate to bullying and intransigence.

Sunday, June 16, 2013

Giving Corporations Too Much Credit

Husband and I were watching a youtube video the other day which was critiquing various advertising/commercials as being sexist or racist, and our thought was- "wait. Yes, that ad was sexist/racist/classless. But- why do ads like that work?" I think ads like that work because they are a reflection of a society that  still has sexism, racism, classless, demeaning crudities, etc embedded very deeply. I truly think that corporations' advertising strategies have one goal, and one only- money. They want to sell something. Yes, they can be very unscrupulous and irresponsible in the way they go about selling, and it would benefit society if they tried to counteract social ills instead of reflecting them. However, ad campaigns are reflective of what successfully sells a product, and what appeals to certain demographics within society, so I see one really sure way to combat them- change society. That, and boycott the campaigns, companies, and/or products being marketed inappropriately. We as consumers are not helpless pawns in some corporate game; they do what they do because they believe we want it/it appeals to us. If we can demonstrate that that is not the case, we can effectively eliminate objectionable advertising, whether it's sexist girls' lego ads, beer commercials that objectify and stereotype, or ads that set up straw men to denigrate races, religions, socioeconomic classes, or geographical regions. We should be critically analyzing and both our own actions and prejudices, and those in the media we expose ourselves to.



When it come to children and advertising, it is very important that we as parents realize that we, not the corporations that shower our children with a barrage of media, are the most important element in shaping their worldviews. My children don't really watch tv, so we haven't had to deal with this much yet, but when they do watch we watch with them, discussing what we see and what assumptions and representations are being made in the media in question. It's also important to realize how much our choices in the toys we purchase for our children affect the toys that will be produced and marketed to them. If parents did not purchase or steer their children toward toys, movies, etc that represented inappropriate assumptions about gender or race, for example, I sincerely doubt whether those products would last long. Yes, I find many commercials very offensive. But rather than censor the messages advertisers are allowed to send, I'd rather advise society to 1. Critically evaluate the media to which we are exposed, 2. Critically evaluate our worldview, assumptions, and how our consumer choices reflect those things, and 3. Limit our children's and our own interactions with the constant barrage of advertising most Americans deal with. I think this is one instance in which "ignore them and they'll go away" is actually appropriate- I think that's exactly the way to deal with annoying, sexist or racist advertising.

Thursday, April 18, 2013

An Ethos of Tolerance

I've seen several cases in the news recently about providers of services (photographer, florist, et c) declining to provide their service for a same sex marriage, claiming freedom of conscience, while enduring either civil or criminal suits for violation of anti-discrimination policies. This is a travesty, y'all! A private business owner should have the right to refuse service to anyone, for any reason, unless they are in so doing actively causing harm to that person. For example, the sole proprietor of a medical practice who, seeing a person needing cpr, refuses to give life saving care on the basis of race, gender, sexual orientation, etc should absolutely be liable for that neglect, but here it is not so much about government interference in business as about wrongful death. Honestly, I believe that the less government interference we have in the legislation of discrimination in private business the better. (There are, of course, some areas where oversight of business is needed; Truth in advertising laws, basic health and safety codes, etc. ) To go even further: I do not believe that we should have any universal anti-discrimination laws or affirmative action. While this may seem counter-intuitive, I actually believe that the absence of most anti-discrimination legislation is, for this country, now, the most tolerant and logically consistent position.


Historically, we have had periods in our history where discrimination based on unchangeables was not only commonly accepted, but legislated. The racial segregation laws come to mind as an example of one of our nation's most prominent black marks. I think that, due to the previous climate of racist legal frameworks, there was a time when anti-discrimination laws and affirmative action worked well for us, if not ideologically perfect. However, we no longer live in a world where segregation is common and overt bigotry and cruelty are the norm, whether for homosexuals, minorities, or women. Yes, even as a feminist, I think it should be perfectly legal, if abhorrent, for a business owner to refuse me service because I am female. I reserve the right to protest, boycott, and expose that business owner for the bigoted, um... foul knavish varlet.... that they are, but I support their right to be thus foul and knavish. Here's the thing- if we start dictating where personal conscience ends and "approved" conscience begins, where does this lead? I truly believe that a  libertarian ethos is inherently less discriminatory than one in which people are told what to think, what to believe, and what their conscience can dictate.

As a Christian and a feminist, I believe that discrimination based on actual or perceived race, gender, or sexual orientation is morally wrong. However, I don't think lasting, peaceful social change can be forced by legal mandate. I really think that desegregation, integrating people of all sorts into society where they will meet and interact with those different from themselves, and refusing the urge to attempt to force orthodoxy will change a society faster than laws which mandate it, and we have the added benefit of maintaining our freedom in the process. Laws should not segregate or discriminate, of course. The government and it's offices and agencies (what would remain in a gloriously efficient libertarian system ) should be impartial, and any publicly funded or publicly traded entity should be held to a strict policy of non-discrimination. (Yes, this should apply to same sex couples too. I'd say civil-sphere anti-discrimination clauses for: race, gender, sexual orientation, and religion, provided the understanding that religious practices which violate other laws are not thus protected) Civic or public functions of any kind must be impartial, as must emergency services and anyone who provides life-or-death care as a part of their business. Individuals, and private business owners, should be free to make knavish varlets of themselves as  long as it does not harm others. I would contend that having to find an alternate florist or photographer or salon or whatever is not such a harm, and I really think that, as of now, businesses that practice discrimination will either cater to a slowly dying relic of a clientele, or go out of business altogether when young people like me refuse to patronize them. At this point, I think that the free market would do a better job of evening the path of opportunity than restrictive legislation.



A lot of this, for me, boils down to my thoughts on the nature and purpose of private businesses. A private business exists for the personal benefit of the owner, primarily, and to provide employment, goods and services as its secondary purpose. I think a privately owned business is inherently private, not public, and is not an entity apart from the owner (for the purposes of anti-discrimination legislation.)  So, the freedom of thought, speech, and actions accorded to individuals by our laws should also be accorded to private businesses and their owners.

I also think we sometimes take the concept of tolerance too far. Consider a dictionary's definition of tolerance: "The ability or willingness to tolerate something, in particular the existence of opinions or behavior with which one does not necessarily agree."    There is a vast difference between tolerating the existence of something and liking or agreeing with it. If someone dislikes my feminist, egalitarian theology and philosophy and decides they want no relationship with me because of it, I would not necessarily call them intolerant. Live, let live, and good riddance. If they want to refuse to serve me at their business, fine. They should be free to follow the dictates of their conscience as long as they allow me the same freedom. This extends to labels, as well- if I were ordained, I would not force someone who didn't believe in female clergy to call me "Reverend" any more than if I were gay I'd force someone to call my wife, well, my wife. However, if someone beats me up in an alley because they think that I'm "subverting the patriarchy" by being a female minister or "going against natural law" by being a lesbian, well, we have a problem. A legal and criminal problem.

In summation:

1. Equal opportunity for everyone in the public sphere.
2. Personal freedom for private citizens and their private businesses; free market economics.
3. Refusing to condone, accept, or celebrate things you feel are wrong is fine. Forcing those beliefs on others is not.
4. Results may vary. Equal outcomes not guaranteed.


Wednesday, April 17, 2013

Complementary Currency

Published on Aug 3, 2012
\opening statement for Rob Gray ofhttp://www.opencurrency.com/ testifying at Congressman Paul's subcommittee met on August 2nd, 2012 to examine sound money and parallel currencies.




I am fascinated by the concept of the widespread use of alternative currency. It is more theoretical than useful in my life right this very instant, but I am drawn to its possibilities. What is complementary currency? Here is a snippet from Investopedia.com:


An Introduction To Complementary Currencies

November 22 2011| Filed Under » 
In communities around the world, people have come up with alternatives to the usual way of paying for goods and services. Instead of yen, pounds or dollars, they are using privately developed substitutes called complementary currencies.  Tutorial: Introduction To The Federal Reserve

What Are Complementary Currencies?A complementary currency is a medium of exchange that functions alongside a national currency, to fulfill a need that the national currency seemingly does not. According to the "International Journal of Community Currency Research," community and complementary currency systems have four main purposes:

  • To promote local economic development
  • To build social capital
  • To nurture more sustainable lifestyles
  • To meet needs that mainstream money does not
Complementary currencies are not legal tender, only government-issued money has this status in many countries, including the United States, England and the eurozone countries. Legal tender is the only currency that must be accepted to satisfy a debt, in countries with legal tender laws. However, the parties to a transaction can mutually agree to do business with another payment form. 

Complementary currencies are thus legal, as long as they meet certain requirements. Businesses that earn them are generally required to count them as income for tax purposes. Also, complementary currencies are not allowed to look like the national currency. Bernard von NotHaus was convicted of counterfeiting in 2011, for his liberty dollars, which the U.S. government said looked too similar to government-issued money.

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Overview of Widely Used Complementary CurrenciesThere are dozens, if not hundreds, of complementary currencies in use around the world. The United States, Germany and Australia appear to have the greatest number of complementary currencies. Here is an overview of a few of these systems and how they work. 
  
BerkSharesBerkShares are a local currency used in the Berkshire region of Massachusetts, backed by U.S. dollars. Consumers only need to exchange 95 cents of national currency to receive one BerkShare, therefore consumers effectively receive a 5% discount on local purchases made in BerkShares. 

Lewes PoundThe Lewes Pound is local currency used in Lewes, East Sussex, United Kingdom, backed by the pound sterling. Individuals receive 95% of the value of the British pounds they exchange for Lewes pounds; the other 5% goes to community grants.

Toronto DollarsToronto dollars are a local currency used in TorontoCanada, primarily in the St. Lawrence Market and Gerard Square areas; they are backed by the Canadian dollar. Individuals receive one Toronto dollar for every Canadian dollar they exchange, but businesses only receive 90 cents for every Toronto dollar they redeem. The other 10% goes to community grants. 

Salt Spring DollarsSalt Spring dollars are used on Salt Spring IslandBritish Columbia, and are backed by the Canadian dollar. They are a rare example of a local currency with near universal acceptance, meaning that most businesses on the island accept it. These include hotels and inns, art galleries, grocery stores, restaurants, bakeries, retail stores and service businesses.

Ithaca HOURSUsed in Ithaca, N.Y., and founded in 1991, Ithaca HOURS are the "oldest and largest local currency system in the U.S.," according to the organization that runs the system. This complementary currency system is not as straightforward as many others, in that one Ithaca HOUR equals one hour of basic labor or $10.00. Hours are issued as paper currency. Individuals and businesses have to join the Ithaca HOURS system, to be able to use the currency. Members can receive zero-interest business loans on a one-year repayment schedule. (For more on time and money, read Understanding The Time Value Of Money.)

Dane County Time BankThe Dane County Time Bank operates a currency represented by TimeBank Hours, but it's a different type of hour than the Ithaca Hour. TimeBank hours represent hours of service and they are not taxable because they have no monetary equivalent.

When I think of complementary currency, I think of either a barter system or, as in the video above, the use of actual metal instead of the Federal Reserve notes which are now the standard for cash transactions of any significant amount. I think that the widespread use of actual coinage or metal-by-the-ounce has the theoretical potential to free us from the Fed as an economic system without having to rely on step-by-step legislation. I think it also has the potential to change the way we shop and where we shop. Hypothetically, introducing currency options as another variable besides value/quality/longevity/ethical production, etc when we are evaluating a potential purchase might significantly change the equations that make large chains the current kings of efficacious shopping. Discounts if you pay in silver, anyone? :)


However.... while the theoretical possibility is fascinating, the pragmatic reality seems improbable. First of all, there are a great deal of logistical concerns to consider. Coinage of larger denominations would need to be more readily available, and the transportation, storage, and security of silver, for example, would need to be addressed. Then, of course, as Mr. Gray said: "Merchants accept complementary currencies on the assumption that someone else will be willing to do the same thing, later." Therein lies the rub. That's quite an assumption. In a way it's like voting 3rd Party- if enough people did it, it would be a boon to society, but if very few people do it it's a waste, except as a means of social protest.
Next, we'd have to assume that most people procure goods and services with money they actually have, as opposed to credit, aid programs, et c. In fact, while I don't know the exact statistics, I'd guess that there is a very significant number who would be left out of such a system by virtue of dependence on credit, assistance programs, or (assuming the alternative currency wasn't universal) simply the economic pressure to find the best possible value and the impetus to make that their primary, if not sole, consideration. Until we reform our beloved welfare state, implement more free-market economic strategies, and encourage and implement a civil and private ethic of financial responsibility, I don't really see alternate currency as a universal practicality at this time. It certainly bears watching, though....