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Post 14 Oct 2015, 3:17 pm

bbauska wrote:Are student loans forced upon any incoming student? Perhaps loans are not to have interest? No, and No.
Well, not "force" but then again can they get through university and have the time to properly study for their degree without one?

We do want doctors and physicists and other degree-holders don't we?

And why can't we have interest free loans? Or effectively interest free if pegged to inflation (as indeed the student loans in the UK have been and certainly were when I took them out)?

Students make the choices based upon interest rates supplied in the information packets and contracts. If it is so egregious, why would a student put themselves in that dire situation?
Because the alternatives are not as good. Did I say "egregious"? No. Just not really a generous programme, is it?
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Post 14 Oct 2015, 3:28 pm

danivon wrote:
bbauska wrote:Are student loans forced upon any incoming student? Perhaps loans are not to have interest? No, and No.
Well, not "force" but then again can they get through university and have the time to properly study for their degree without one?


I did. But then again, I worked for my degree.

danivon wrote:And why can't we have interest free loans? Or effectively interest free if pegged to inflation (as indeed the student loans in the UK have been and certainly were when I took them out)?


I am all for a company offering interest free-loans if that is what they choose to do. I do not want the government to offer interest free loans, because of the non-payment of loans issue. If a student does not repay a loan, then it is the responsibility of the taxpayer. That is not right. If a company has a loan that is not repaid, then the company takes the responsibility for that loan; not the taxpayer.
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Post 14 Oct 2015, 3:59 pm

bbauska wrote:Are student loans forced upon any incoming student? Perhaps loans are not to have interest? No, and No.

Students make the choices based upon interest rates supplied in the information packets and contracts. If it is so egregious, why would a student put themselves in that dire situation?


And, iirc, the repayment of the loans is capped on ability to pay. Furthermore, after 10 years, they vanish.

If you want college costs to go down, get the government OUT of the business of subsidizing these loans. If students had to be picky and thrifty, colleges and universities would have to cut the bloat. Of course, that could mean a prof like Elizabeth Warren might not get an exorbitant salary . . .
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Post 15 Oct 2015, 6:02 am

danivon wrote:
bbauska wrote:Are student loans forced upon any incoming student? Perhaps loans are not to have interest? No, and No.
Well, not "force" but then again can they get through university and have the time to properly study for their degree without one?

We do want doctors and physicists and other degree-holders don't we?

And why can't we have interest free loans? Or effectively interest free if pegged to inflation (as indeed the student loans in the UK have been and certainly were when I took them out)?

Students make the choices based upon interest rates supplied in the information packets and contracts. If it is so egregious, why would a student put themselves in that dire situation?
Because the alternatives are not as good. Did I say "egregious"? No. Just not really a generous programme, is it?


There are many cases in the US where a student goes to an expensive private college (tuition circa $60,000 per year) to pursue the liberal art of their dreams. They may get some grants, and they may do some work, but there usually are loans involved in the process. They graduate with debt. Given the high cost of private colleges in this country, it is not surprising if that debt is $50,000. It could be higher. There is no free lunch and someone pays for it down the road.

Perhaps the liberal arts education is intrinsically valuable. I believe it is, and I have one. But, the individual does not get a great job as a result, and may have trouble paying back their loan.

Now, the state hasn't forced them to follow this process, but the state has enabled them. Yes, higher education is a good thing, but there are unintended consequences. Also, by providing grants and loans, the state has enabled the universities and colleges to raise their tuition because the 18 year old and their family is not thinking about the back end obligation. Perhaps that is good thinking, but perhaps not. But the unintended consequence is that private universities are perpetually adding on more services to their students. They build better gyms and find better college coaches. They add more safety and more course offerings. They provide better food and better social services. Housing has improved tremendously, as have theaters and auditoriums, and lecture halls. Sometimes, they even provide smaller classes. In and of themselves, those may all be good things. However, the universities have to pay for it, so they raise their tuitions by 8% a year. Those who can afford it pay it, because they don't want to deny their children. Those who cannot get grants and loans. The logical answer for the university it to provide more services that they can advertise, and raise their rates to pay for them. We have better schools then we did (in everything, although not necessarily in academics). However, we've created a monster of $60,000 tuition and students in debt. These are unintended consequences from primarily Democratic policies.

The Democratic answer is more of the same. More grants; more loans, higher tuition. Instead of rinse and repeat it is hose and repeat. Higher education has one of the highest inflation rates in this country. The U.S. government has enabled it, both on the demand side and on the supply side.
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Post 15 Oct 2015, 6:39 am

Ray Jay wrote:However, we've created a monster of $60,000 tuition and students in debt. These are unintended consequences from primarily Democratic policies.

The Democratic answer is more of the same. More grants; more loans, higher tuition. Instead of rinse and repeat it is hose and repeat. Higher education has one of the highest inflation rates in this country. The U.S. government has enabled it, both on the demand side and on the supply side.


This is part of the entire story, but you are leaving out another player and motive: Collusion among private universities to set tuition--which was exposed 20 years ago--and since they are not-for-profit institutions, was considered legal. There is a profit motive for these not-for-profit, private universities. I wrote about this years ago: one of the most profitable corporations in America at the time was Harvard College. Harvard could eliminate all tuition and fees collected from students, buy them their books and still be a very profitable corporation. But they charge what the market can bear and keep the difference. And all that profit is untaxed, by the way. The universities, specifically the Ivy League universities, are driving this way more than the politicans.
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Post 15 Oct 2015, 7:16 am

rayjay
Certainly it is complex. We do have a legacy of slavery; we do have many one parent families; we have a more mobile population (so you are less likely to live near family); we have a less homogenous culture which makes government programs more difficult; we have many different states with very different economic circumstances.


Complexity seems to be an American trait when it comes to government programs. And the excuses for failing are pretty complex too.
It needn't be so complex...
Sanders has suggested that looking at more successful societies, (that is successful in alleviating and eliminating poverty and crime) provides clues. He's right. (If the US is the greatest nation on earth, with the highest standard of living, it should be able to alleviate poverty of much smaller poorer countries do such a good job. They must, after all, be doing something right. )

You want to make rules that help eliminate poverty that are simple?
- raise the minimum wage to a livable age.
- eliminate tuition for state universities for those that qualify
- provide medicare for all.(and run it comparably to the more efficient and effective systems in places like Norway ...)
- stop jailing people for minor non-violent drug offences

what would this do? Eliminate the need for a lot of the handouts that are delivered by the complex system of programs - thereby eliminating the programs.
Eliminate the debt for young people coming out of college.(Spurring their investment in others things at a younger age. Like cars, homes etc.)
Eliminate the current wasteful medical insurance system, and lower the cost of delivering the medical health sector for less than the current 17% of GDP. And eliminate the uncertainty that plagues families that might be only one medical calamity from poverty.

The solutions are simple. And Sanders is offering some...
And his positions seem to be moving Clinton to adopt more progressive positions as well.
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Post 15 Oct 2015, 7:24 am

Ricky:
Eliminate the need for a lot of the handouts that are delivered by the complex system of programs - thereby eliminating the programs.


Which social welfare program has Sanders recommended we eliminate?
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Post 15 Oct 2015, 7:28 am

geojanes wrote:
Ray Jay wrote:However, we've created a monster of $60,000 tuition and students in debt. These are unintended consequences from primarily Democratic policies.

The Democratic answer is more of the same. More grants; more loans, higher tuition. Instead of rinse and repeat it is hose and repeat. Higher education has one of the highest inflation rates in this country. The U.S. government has enabled it, both on the demand side and on the supply side.


This is part of the entire story, but you are leaving out another player and motive: Collusion among private universities to set tuition--which was exposed 20 years ago--and since they are not-for-profit institutions, was considered legal. There is a profit motive for these not-for-profit, private universities. I wrote about this years ago: one of the most profitable corporations in America at the time was Harvard College. Harvard could eliminate all tuition and fees collected from students, buy them their books and still be a very profitable corporation. But they charge what the market can bear and keep the difference. And all that profit is untaxed, by the way. The universities, specifically the Ivy League universities, are driving this way more than the politicans.


But . . . if you take government out of the demand side of the equation (via grants and loans), universities are suddenly competing instead of colluding. That is the point.
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Post 15 Oct 2015, 7:56 am

rickyp wrote:rayjay
Certainly it is complex. We do have a legacy of slavery; we do have many one parent families; we have a more mobile population (so you are less likely to live near family); we have a less homogenous culture which makes government programs more difficult; we have many different states with very different economic circumstances.


Complexity seems to be an American trait when it comes to government programs. And the excuses for failing are pretty complex too.
It needn't be so complex...
Sanders has suggested that looking at more successful societies, (that is successful in alleviating and eliminating poverty and crime) provides clues. He's right. (If the US is the greatest nation on earth, with the highest standard of living, it should be able to alleviate poverty of much smaller poorer countries do such a good job. They must, after all, be doing something right. )


No, Sanders is looking at different societies. "Successful" is in the eye of the beholder. If they're so wonderful, why don't they have 20-30 million illegal aliens living there?

In other words, "success" is based on what the goal is. If the goal is a society in which everyone is equally oppressed by the government, then, sure, there are more "successful" countries. If the goal is to let a person go as far as their talent and work ethic will take them, I'd prefer our system. If Bernie doesn't like our system . . .

You want to make rules that help eliminate poverty that are simple?
- raise the minimum wage to a livable age.
- eliminate tuition for state universities for those that qualify
- provide medicare for all.(and run it comparably to the more efficient and effective systems in places like Norway ...)
- stop jailing people for minor non-violent drug offences


These are garbage suggestions. Every one of them costs money because NOTHING is "free."

Raising wages to a mandated "living wage" increases prices. It is a never-ending spiral. Prices go up, forcing up the "living wage," which then drives up prices. Additionally, jobs will be lost. Furthermore, is the goal of a society to make flipping burgers at McDonald's a "career?"

Eliminating tuition--who pays for that? What are the "unintended consequences?" I'll tell you one: more useless degrees in African LGBTQ History and other dopey "studies." This helps no one.

Medicare for all. Oh brother. The VA is all we need to see how well forcing Americans into government-run healthcare works. Even the ACA is resulting in cancelled programs, loss of doctors, and increasing prices. (Just wait until the Cadillac tax and all the other effects of the ACA finally kick in)

As for jailing people for non-violent drug offenses, it's already happened in California and guess what? Crime is on the rise.

In the 11 months since the passage of Prop 47, more than 4,300 state prisoners have been resentenced and then released. Drug arrests in Los Angeles County have dropped by a third. Jail bookings are down by a quarter. Hundreds of thousands of ex-felons have applied to get their previous drug convictions revised or erased.

But along with the successes have come other consequences, which police departments and prosecutors refer to as the “unintended effects”: Robberies up 23 percent in San Francisco. Property theft up 11 percent in Los Angeles. Certain categories of crime rising 20 percent in Lake Tahoe, 36 percent in La Mirada, 22 percent in Chico and 68percent in Desert Hot Springs.

It’s too early to know how much crime can be attributed to Prop 47, police chiefs caution, but what they do know is that instead of arresting criminals and removing them from the streets, their officers have been dealing with the same offenders again and again. Caught in possession of drugs? That usually means a misdemeanor citation under Prop 47, or essentially a ticket. Caught stealing something worth less than $950? That means a ticket, too. Caught using some of that $950 to buy more drugs? Another citation.

“It’s a slap on the wrist the first time and the third time and the 30th time, so it’s a virtual get-out-of-jail-free card,” said Shelley Zimmerman, who became San Diego’s police chief in March 2014. “We’re catching and releasing the same people over and over.”

Officers have begun calling those people “frequent fliers,” offenders who knew the specifics of Prop 47 and how to use it to their advantage. There was the thief in San Bernardino County who had been caught shoplifting with his calculator, which he said he used to make sure he never stole the equivalent of $950 or more. There was the “Hoover Heister” in Riverside, who was arrested for stealing vacuum cleaners and other appliances 13 different times over the course of three months, each misdemeanor charge followed by his quick release.

There was also the known gang member near Palm Springs who had been caught with a stolen gun valued at $625 and then reacted incredulously when the arresting officer explained that he would not be taken to jail but instead written a citation. “But I had a gun. What is wrong with this country?” the offender said, according to the police report.

And then, in San Diego, there was Rabenberg, who just weeks after being released because of Prop 47 was caught breaking the law again.

He was arrested for possession of meth on Jan. 2 and released from jail Jan. 3.

He was arrested for having drug paraphernalia on Feb. 6 and issued a citation.

He was arrested again for having drugs on Feb. 19. And then again on March 1. And then again on March 8. And then again on April 1.

By April 26, he had been arrested for six misdemeanors in less than four months and been released all six times, so he was free to occupy a table outside Starbucks when a man named Kevin Zempko arrived to have coffee with his wife. Zempko sat at a table next to Rabenberg, who was picking apart the seams of his coat and dumping the contents of his pockets onto the table: some nickels, two $1 bills, a few scraps of paper, a dingy plastic cup and a lighter. Zempko watched for a few seconds and concluded that Rabenberg was probably a vagrant and an addict. “I just felt bad for him,” he said.

Rabenberg noticed Zempko looking his way and began to stare back, mumbling, gesturing, standing up and now pulling something new from the pocket of his coat. It was a small wooden steak knife. Rabenberg slammed it down on the table. He picked it up again, jabbed at the air and started moving with the knife toward Zempko, who stood up and placed a chair between them.

Zempko had been in the Marine Corps for 11 years, trained to recognize a threat, and he escaped into the Starbucks and warned other customers. The manager called the police. Another Starbucks employee tried to pacify Rabenberg with a free cup of coffee. By the time two police officers arrived, Rabenberg seemed mostly confused and tired. “Disoriented” was how a police report described him. The officers handcuffed Rabenberg and placed him in the back of their police car.

“What will happen to him?” Zempko asked, because now the threat had passed and what he felt most was concern for Rabenberg, even guilt.

“He needs help,” Zempko told the officers, and they asked for his phone number and said they would call as part of their investigation. For a few days, Zempko waited and wondered: If they asked him to testify, would he push for leniency or a strict sentence? Which would be better for the city? Which would be better for Rabenberg?

But the police never called. The arrest had been for possession of drugs and brandishing a deadly weapon — both misdemeanors. Rabenberg was booked into jail and released three days later.

. . .

Rabenberg was arrested again May 29 with meth while panhandling near Balboa Park.

“Frustrating, frustrating,” said Zimmerman, the police chief, speaking not just about Rabenberg but all frequent fliers. “Just sending our officers to deal with problems that never get solved.”

He was arrested again for drugs July 4.

“We are enabling this kind of behavior,” said Bonnie Dumanis, the district attorney for San Diego County.

He was arrested again July 29 and Aug. 9.

“Aren’t we lulling him into a sense of security?” Goldsmith said. “How does it end? There’s no more incremental punishment. We let the behavior continue. We let the problems get worse. And all we can do is wait until he does something terrible, until he stabs somebody or kills somebody, and then we can finally take him off the street.”

Aug. 14, he was arrested for failing to appear in court on two drug charges. He was released Aug. 18.

On Aug. 28, he was arrested for possession of meth and then released Sept. 1.

On Sept. 19, he was due to appear in court for a hearing on three of his cases. A note on his file read, “Enough!” because Rabenberg had now been arrested 13 times.

He had failed to appear in court seven times. He had threatened the public safety. He had endangered his own health. “Who exactly is benefiting here?” said Goldsmith, the city attorney, who hoped that the judge would compile Rabenberg’s misdemeanors into one sentence and force him into an extended jail term or at least drug treatment.

Now the clerk called the courtroom to order. Lawyers wheeled in carts of alphabetized files. The judge announced the beginning of another busy docket in the era of Prop 47.

“Mr. Rabenberg,” the judge said, calling out the next case.

“Mr. Rabenberg,” he said again.

“Where is Mr. Rabenberg?” the judge asked, finally, but wherever Rabenberg was, he wasn’t here.


This is the system you would foist on the country? No thanks.

what would this do? Eliminate the need for a lot of the handouts that are delivered by the complex system of programs - thereby eliminating the programs.


Prove it. Prove that your suggestions would eliminate the welfare state.

Eliminate the debt for young people coming out of college.(Spurring their investment in others things at a younger age. Like cars, homes etc.)


False. When they get their useless degree, how will they afford homes?

Eliminate the current wasteful medical insurance system, and lower the cost of delivering the medical health sector for less than the current 17% of GDP. And eliminate the uncertainty that plagues families that might be only one medical calamity from poverty.


Increase wait times. Decrease availability of specialists. Increase corruption. Decrease number of doctors.

The solutions are simple. And Sanders is offering some...


No, YOUR solutions are simple. You can't demonstrate their effectiveness.

And his positions seem to be moving Clinton to adopt more progressive positions as well.


Great. We need more socialists in this country . . . like we need more people with Chicano Studies degrees.
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Post 15 Oct 2015, 9:32 am

The major driver behind tuition costs is demand. UCLA had 100,000 applications last year. High- paying jobs require a college degree. That has zero to do with policies of Democrats. In fact, the loss of manufacturing jobs (which can be done without a college degree)certainly is more due to conservative ideology. Also state universities (like UCLA) have raised tuition because of lower subsidies from state--that has something to do with the anti-tax crowd that drove measures like Prop 13. Property tax revenues are a stable source of revenue, whereas in California every time we had a recession tuition rates have been raised at state colleges. (It may seem contradictory that there are so many applications to UCLA even though tuition has risen 1100% since I went there but it is still far more affordable than going to a private school).

There is no intrinsic reason that tuition rates have had to rise so much. If so, how come the GI Bill after WWII which subsidized a huge amount of veterans going to school did not increase tuition? We simply did not have a free market ideology with regard to education, at least not like we do now (wonder where that came from?...). Harvard Law School was $3,000 a year in the mid--1970s. They were not trying to charge high tuition so that they could pay teachers and administrators high salaries. Sure, government aid is a part of the equation but it is only a part of it.

Instead of individual states adding more spots to deal with increased demand and subsidizing education to keep tuition reasonable and salaries under control we went to a free market system where there was not enough supply to meet demand and the federal government guaranteed colleges got paid. A combination of anti- tax philosophy drying up support for state supported colleges, free-market philosophy applied to education, and federal government aid and student loans helped to drive up tuition to ridiculous rates. But it could have been different.

In any case, conservative ideology which has caused unfair income stratification is what is behind Sander's popularity. Four years ago he could not have run. But people are starting to get angry as they start to see the effect of money going to the top. That is one simple truth that cannot be explained away, either on Redscape or elsewhere.
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Post 15 Oct 2015, 10:13 am

freeman3
. But people are starting to get angry as they start to see the effect of money going to the top
.
And becoming increasingly aware of the lifestyles of the working and middle class in other countries .
When maternity leave is a major social program proposal for all the Democratic candidates ....and part of the rationale is, every other country in the developed world can do this ..... (and california apparently)
then the notion that "we can't afford this "... becomes unsupportable.
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Post 15 Oct 2015, 10:27 am

fate
Successful" is in the eye of the beholder.

Well, the beholder is working and middle class families considering their voting choices ...
When Sanders says, Denmark does this for its people....
Do you think that maybe a close look at the lives of the middle class or working class in nations like Denmark becomes attractive?
Middle class and working class people in the US can see the system isn't working to their advantage. Are they crazy to think that maybe there are better ways for them?

fate
Raising wages to a mandated "living wage" increases prices. It is a never-ending spiral

The last time the federal minimum wage was raised was 2009. Maybe it was a living wage then.
The fact that no one bothers to index the minimum once its set is pretty stupid since as you say
It is a never-ending spiral

The working poor can deal with the spiral but not WalMart?
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Post 15 Oct 2015, 10:42 am

freeman3 wrote:The major driver behind tuition costs is demand. UCLA had 100,000 applications last year.


There are 30,000 undergrads at UCLA. So, 1/12 of all applicants get in. Others go to other UC schools, or other schools altogether.

High- paying jobs require a college degree. That has zero to do with policies of Democrats.


True. But, look at this list of degrees and tell me which will start as "high-paying" and which will never be "high-paying. https://www.admission.ucla.edu/prospect ... smajor.htm

I can promise you the world is not clamoring for grads in: African American Studies, African and Middle Eastern Studies, American Indian Studies, Asian American Studies, Asian Humanities, Asian Religions, Asian Studies, Gender Studies, Jewish Studies, Korean, Latin, Latin American Studies, Scandinavian Languages and Cultures, etc.

Look, it's fine with me if someone wants to major in those things. However, the government should not be subsidizing degrees that will not lead to jobs. Pay for useless degrees yourself.

In fact, the loss of manufacturing jobs (which can be done without a college degree) certainly is more due to conservative ideology.


Um, what?

Look, you can't blame conservatives for what Bill Clinton did.

Also state universities (like UCLA) have raised tuition because of lower subsidies from state--that has something to do with the anti-tax crowd that drove measures like Prop 13. Property tax revenues are a stable source of revenue, whereas in California every time we had a recession tuition rates have been raised at state colleges. (It may seem contradictory that there are so many applications to UCLA even though tuition has risen 1100% since I went there but it is still far more affordable than going to a private school).


Right. You have one of the most liberal States in the union. One that nearly guarantees illegal aliens will be voting. Yet, you want to blame high tuition costs on a law that passed in the 70's? Really? Good luck demonstrating that.

There is no intrinsic reason that tuition rates have had to rise so much.


I think it tracks reasonably well with increased Federal involvement, which has also led to grade inflation and other educational woes.

If so, how come the GI Bill after WWII which subsidized a huge amount of veterans going to school did not increase tuition?


"Did not" is probably not accurate. However, I don't believe the GI Bill was on par with the involvement we have today.

The GI Bill cost for education was $7B. http://www.djdinstitute.org/h_gifact.html

With the government now giving loans, etc., who knows what the "real" cost is these days--given that some are always trying to find new ways to forgive college loans?

We simply did not have a free market ideology with regard to education, at least not like we do now (wonder where that came from?...). Harvard Law School was $3,000 a year in the mid--1970s. They were not trying to charge high tuition so that they could pay teachers and administrators high salaries. Sure, government aid is a part of the equation but it is only a part of it.

In any case, conservative ideology which has caused unfair income stratification is what is behind Sander's popularity. Four years ago he could not have run. But people are starting to get angry as they start to see the effect of money going to the top. That is one simple truth that cannot be explained away, either on Redscape or elsewhere.


If the Democrats want to nominate a 73 year-old socialist, that's fine by me. If, instead, they decide to nominate Bernie Sanders, that's okay too.

The reason socialism is "okay" now is that nearly half of the country pays no income tax. We have reached the point where a near-majority of the electorate is voting in order to be rewarded. Call it what you will, but it is a recipe for economic ruin.
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Post 15 Oct 2015, 10:48 am

rickyp wrote:fate
Successful" is in the eye of the beholder.

Well, the beholder is working and middle class families considering their voting choices ...


Not really, no. Most of those actually working will not support a socialist.

When Sanders says, Denmark does this for its people....
Do you think that maybe a close look at the lives of the middle class or working class in nations like Denmark becomes attractive?


Denmark, as Hills pointed out, is irrelevant. It's 5 1/2 million people in a relatively small country, one with no serious military commitment. If Sanders thinks it is so great, he should move there. Then again, they have plenty of 73 year-old know-it-all windbags.

Middle class and working class people in the US can see the system isn't working to their advantage. Are they crazy to think that maybe there are better ways for them?


They're crazy to think someone else will pay for their lifestyle. We are $18.5T in debt. How is Bernie gonna pay for all the stuff he's promising?

fate
Raising wages to a mandated "living wage" increases prices. It is a never-ending spiral

The last time the federal minimum wage was raised was 2009. Maybe it was a living wage then.


No, it wasn't.

The fact that no one bothers to index the minimum once its set is pretty stupid since as you say


I said nothing of the sort.

It is a never-ending spiral

The working poor can deal with the spiral but not WalMart?


Businesses are not charities. When costs (including labor) go up, prices go up.
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Post 15 Oct 2015, 10:51 am

By the way, California is dealing with major over-crowding of state prison facilities. Currently, they are ordered by a federal court to grant more work-time credits to so-called second-strikers (felon with prior strike) and also consider then for release after 50 percent of their sentence. In 2011 a lot of felonies (non-violent) were directed to be served in county jail instead of state prison. Prop 47 has to be been in light of the overcrowding issue--California has to spend billions of dollars building more prisons or they will be found to be acting unconstitutionally in housing inmates in prisons well in excess of their capacity. The other choice is to prioritize which offenders to keep and which ones to release. And that is it what it has been doing for several years now.

Also even misdemeanors carry jail time. If a person racks up a bunch of them they can be in jail for a long time.