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Thursday, November 18, 2004

The Easy (braindead) solution to Social Security 

The solution, as proposed by a member of the Clinton administration's Social Security Advisory Council:
1) Raise the cap on income, effectively raising taxes on those earning over $87K.
2) Cancel a rollback on the estate tax, taxing homes upon death. This usually means taxing the homes so much they must be sold to pay for the additional taxes.
3) Mandate that state and local workers join Social Security. After all, you're forcing everyone else, why leave some exempt? Let's here it for Federalism! Or perhaps this would highlight the pyramid scheme which would normally be considered fraud if it weren't done by the government.
4) Use more accurate cost-of-living estimates, i.e. lower benefits.

There you have it, the inevitable downward spiral of raising inputs and lowing outputs in a government program.

By that's not all. The following things are bad ideas:

- Raising the retirement age, because some people who retire early really need to. Can't you just keep the early retirement constant (62) and raise the real retirement age (say 67 to 70 gradually).

- Privatizing accounts, because they'll be, err... private, and people might make mistakes. We can't let 'em! How pro choice...

Comments:
You've surely noticed people trying to change the terminology from "privatizing accounts" to "government forced savings plan." Both are accurate, but honestly, if your account is "privatized" to give you a choice between 100 mutual funds picked at a bureaucrat's pleasure, you're doing the word privatized a disservice.
 
There is certainly a continuum of freedom vs. security in these cases.

The issue isn't whether I care too much if someone loses their retirement. You've brought it up before: if people are going to be supported by the government if their investments fail, then there is little savings in privitizing. Also, it could ce argued that normal risk aversion needed for retirement accounts would be less exactly because of that potential bailout.

It would say a good solution is a group or combination of index funds and fixed income. You can have very real choices, though still be prevented from buying stock in a single failing company.
Considering it is already forced savings, I don't see anything additionally bad in having a minimum risk aversion.

As for bureaucrats' whims, and other claims that Wall St. will control the investments, that can easily be avoided by the broad index I'm talking about. The defense is in the simplicity.
 
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Why do dogs eat their poop? One reason dogs eat their poop is because it just plain taste
good. Another reason is it could be a vitamin deficiency. One other reason for the poop
eating is that it is an instinctual behavior in the wild to eat the poop to keep other predators
from tracking their movements.

Some solutions for stopping poop eating are: You can put meat tenderizer on it.

What do you think?

By the way, I love that too!  Where did you get that at?  

See you soon! WonderGirl 




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How do you change the size of your monitor?

By the way, I love that too!  How did you find that?  

Bye, - MyGirl! 


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How do you change the size of your monitor?

By the way, I love that too!  How did you find that?  

Bye, - MyGirl! 


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