Archive for the ‘human rights’ Category

America’s Biggest Bank and America’s Biggest Crook and Cook County’s Treasurer

logo3No, they aren’t all one and the same.

I personally haven’t had any problem with JP Morgan Chase.  I had a CD with a predecessor bank and, when it matured, I retrieved it without difficulty. My real estate tax is paid thru them, and as far as I could tell my payments have been processed as intended.  Once upon a time I may have had a credit card with them.  But I long assumed JP Morgan Chase is a corrupt organization, because I seem to recall having read various things here and there, and, well, how could an honest bank become so large?

I hadn’t even thought about Morgan Chase’s role in the Madoff affair, but of course it was nontrivial, as documented by  Helen Davis Chaitman and Lance Gothoffer on their JP Madoff website (and, one presumes, in their book). They have compiled the information, most of which was floating around the Internet, that “In the past four years alone, JPMorgan Chase has paid out $28,902,150,000 in fines and settlements for fraudulent and illegal practices.”  And that, of course, is only the cases where they were caught and unable to avoid prosecution.

“Boycott JP Morgan Chase,” Chaitman and Gothoffer urge.  Great idea, and I have done so as best I can.  But I need to pay real estate tax, and as long as I live in Cook County it seems I must pay it to JP Morgan Chase.  So I wrote Maria Pappas, the County Treasurer, saying

I see from the check with which I paid my most recent real estate tax bill that you are still using JP Morgan Chase to process the County’s receipts. It’s pretty clear that JP Morgan Chase is a criminal enterprise, having paid over $28.9 billion in fines and settlements for fraudulent and illegal practices during the past four years. Why is the County unable to use any less dishonest bank to process payments? Thanks in advance for your response.

And just a couple of [business] days later, I received a response from “Customer Service Department:”

Thank you for contacting the Office of Cook County Treasurer Maria Pappas.

Cook County aims to provide efficient payment processing to the greatest number of taxpayers at the least cost to those taxpayers. Nevertheless, we acknowledge that additional considerations are relevant in the County’s choice of vendors, and we take your concern under advisement.

We hope this information is helpful and thank you for the opportunity to be of assistance.

So, they didn’t exactly say “we are going to boycott JP Morgan Chase because they’re crooks,” but it at least it appears that somebody read and understood my message.

My other recent check processed by JP Morgan Chase was used to pay Illinois State income tax. I suppose I should write somebody (Governor? Treasurer? Comptroller?) with a similar message, but I just assume that anyone responsible for administering a tax on earned income is already beyond hope. Maybe someone else will do it.



Progressive proposal from Kenya

detail from photo by Jennifer Wu via flickr (cc)

detail from photo by Jennifer Wu via flickr (cc)

Writing in Standard Digital, Charles Kanjama proposes that “If government was clever, it would include a value-capture approach in project financing.”  He’s writing about big infrastructure projects, which in his time (2014) and place (Kenya) include railway and port improvements. He suggests that perhaps half the cost should come from land value tax, without explaining why it would be appropriate for landowners to receive half the benefit of improvements paid for by the general community.  (Kanjama is an attorney and accountant who was rated among the top 100 legal minds in Kenya as well as one of the 100 most influential people in that country.)

The same edition (January 4 2014) carries another article showing a problem resulting from failure of the community to collect all the rent.  It seems that the government wanted to remove a large number of squatters who had settled in a protected forest.  Ordered to vacate, they each received 400,000 shillings ($4604.67 US, according to Wolfram Alpha) to purchase land elsewhere.  Now the time for relocation has expired, and many spent the money on things other than land.  Of course I don’t know these people, don’t know what land was available, don’t know their needs, but very clearly if land were nearly free (as results from a high land value tax) they would almost certainly be better off.

GMO crops don’t even increase yield


image credit: Stuart Williams via flickr (cc)

image credit: Stuart Williams via flickr (cc)

Here’s a program note from ABC indicating that yield of GMO crops is no greater than conventional crops.  Unfortunately there is no formal citation of the source article, nor is it available on line as far as I can tell, and ABC tends to remove their program notes after a few weeks.  However, the article, from the International Journal of Agricultural Sustainability, was written by Professor Jack Heinemann of the University of Canterbury in New Zealand, which might be enough information to locate it. Heinemann’s web page links to an article which may even be the one in question.

The taxing question of land value

1_69ffd9a3b25bee3673beaa1ee0190583UK Geoists are crowdsourcing a film about the nature and benefits resulting from a tax on the value of land.  You needn’t be a UK resident nor have a UK charge card in order to support this. Seeking a total of £9000, they’ve already got £2188 with 18 days to go.  Join the 46 funders so far, or find out more, here.

“We need an anti-Rentier Campaign” says Michael Lind

image credit: Erick_ckB via flickr (cc)

image credit: Erick_ckB via flickr (cc)

A nice series of three short articles (h/t Gloria Picchetti) in Salon by Michael Lind, explaining the difference between an entrepreneur — who may become wealthy by providing goods and services people want — and a rentier — who seeks to become rich by exacting a toll or tax on productive work.

Lind mentions, in a positive way, the land value tax, and also notes that this isn’t a left/right issue, as labor unions and professional associations can be just as monopolistic as bankers.  The negative effects of “intellectual” “property” are noted, altho Lind seems to think that those who profit from patents are “inventors.” Of course there’s no mention of Henry George, but maybe changing our name to “Institute for the Study and Extirpation of the Useless Rich” would be a helpful step.

Salon describes Michael Lind as author of Land of Promise, for which Amazon carries 15 reader reviews. Not all the reviews are positive, but the criticisms seem to focus on his style and attitude, nobody complaining that his analysis is flawed. Lind is also a “co-founder of the New America Foundation,” whose sources of funding are unclear to me but seem to include rentier George Soros.

The remedies Lind suggests are quite centralized, such as changing federal tax laws, and maintaining financial repression with the object of moving people from private savings to social programs.  Not what I would propose, but what does a geoist in flyover country have to contribute to this discussion?


Feeding a growing population on an earth that isn’t

image credit: Antwelm via flickr (cc)

image credit: Antwelm via flickr (cc)

Yesterday’s Guardian carried a very encouraging report from India, where rice farmers are multiplying their production figures by carefully and methodically managing their crops. This has nothing to do with genetic modification, pesticides, or chemical fertilizers, and no need for “protecting” “intellectual” “property.”  Of course it may require more labor per acre than other methods, but growing population means growing supply of labor.  And it may work best on relatively small, owner-operated farms.  The method, known as System of Root (or Rice) Intensification, can be applied to other crops.  It’s based on a French Jesuit’s observations of practices in Madagascar, promoted by Cornell’s International Institute for Food, Agriculture and Development.

The Guardian article asserts that Cornell’s work was funded by “an anonymous billionaire,” altho links from the Cornell site imply that “actor Jim Carrey” is somehow involved.   At this writing, there are 205 comments on the Guardian article, some of which are insightful.  One suggests that the reported results are quite exaggerated, but to read beyond the abstract of the source cited seems to cost $19.95.

I have no idea whether this particular method is as beneficial as described, but just last week I spoke to an Illinois farmer who reported that four adults were gainfully employed, supporting themselves, by intensively cultivating an acre of vegetables.  One way or another, people will find ways to coax more food from the earth, if they have a need (or desire) and are permitted to do so.



Another way to liberate books

empty card catalog

image credit: andresmh via flickr (cc)

While the logical way to make most books conveniently available to more people is to greatly reduce the scope and duration of the copy-prevention privilege known as “copyright,” another approach is to buy books their freedom, one-by-one. This seems to be the approach of  They use a crowd-funding approach to pay privilege-holders for a creative-commons license, which essentially makes the book available to all if enough people are willing to donate enough money.  Certainly better than nothing and perhaps it will prove fruitful.

To date they seem to have ransomed three books in this way, tho their web site doesn’t tell us how much they paid, with four ongoing campaigns seeking to raise between $1,000 and $25,000.

Just because they ask, doesn’t mean we have to give it to them

Governments here in Illinois (and probably everywhere else) like to “request” things, but that doesn’t mean we mundanes always need to grant these requests.  Two examples from recent experience:

detail from work of Chris Karr via flickr (cc)

detail from a photo by Chris Karr via flickr (cc)

Saving money: Illinois Secretary of State Certificate of Good Standing.  Our high-tech sophisticated Secretary of State makes it easy, relatively, to get the “certificate of good standing” that organizations may require, for example, to set up some kinds of financial accounts.  No problem, just go to Jesse White’s web site, do a search (which really works, in my experience), fill out the simple form and authorize a credit card charge of $16 ($5 transaction fee, $1 payment processor fee, and $10 expedited fee).  But suppose you aren’t in a great hurry and don’t need (or want to pay for) expediting.  Or suppose you lack a credit card but have a checking account (or can buy a money order). What to do?

Nowhere could I find the answer on Jesse’s web site.  Fortunately, cheapness wonk Adam Kerman of the Transit Riders’ Authority knew what to do:

Write a letter to request the Certificate of Good Standing. Make sure to include the corporate file number and your contact phone number. $5 fee Secretary of State Business Services 501 S. Second St., Rm. 330 Springfield, IL 62756

And that’s just what I did.  A week or so later, the certificate arrived.

Current RTA Executive Director

Saving Dignity: Regional Transportation Authority old person discount fare card. A good and privacy-minded friend of mine, having recently attained the age of 65, wanted to take advantage of the “reduced fares” available to old people (among others) on RTA-funded transit systems. First thing she found out was that it takes 3-4 weeks to get the required farecard, so she should have applied 21 days prior to her birthday.  Too late for that, but she readily found the necessary form, which turns out to serve two functions: (a) apply for reduced fares based on age or other criteria; (b) apply for free fares based on likelihood of voting Democratic documented low income.  Being successful enough not to qualify for (b), she still had to complete a form with a blank for “Social Security Number.”  What do to?

She wrote “NOT REQUIRED” in the SSN blank, and 23 days later received a reduced fare card in the mail.  Moral of this story: You can surrender somewhat less privacy than the authorities ask for, without giving up rights or privileges, at least in this case.

Innovators’ Patent Agreement

Twitter says it plans for its future patents to be subject to an “Innovator’s Patent Agreement,” which will prevent them from being used “to impede the innovation of others.” Seems like a good thing, but it’s still very much a proposal, with the latest draft apparently here.  Like Google’s “don’t be evil,” I suspect there will end up being some flexibility as to what is “defensive” and what actually “impedes innovation.”

(via Barry Rithotlz)

The difference between money and wealth/services


image credit: taken in 1990 by John Foss via Wikimedia (cc)

This article from the Guardian illustrates nicely the difference between what we want– goods (“wealth” in terms of political economy) and services– vs. money.  Money is a medium of exchange, which we can use to obtain wealth and services, but in itself it really isn’t capable of satisfying our desires. The particular example here is from the town of Volos, whose railway station is pictured.

I could imagine Greece not formally dropping the Euro, but just kind of abandoning it, using local currencies, perhaps eventually united into a new Drachma. It’s not clear from the article whether their government is attempting to tax the alternative-currency transactions.  The wiser course would be to tax economic rents instead of transactions, and that could be done in whichever currency is most practical.