Herb Weiss – RI Future

May 8, 2015

Report: Hiring older workers is good for business

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People know that race and gender play a role in keeping otherwise qualified people from getting a good job. But silver hair can also be a discriminating factor in the workplace. Ageism is rampant in America. And it’s also bad for business.

A new study from the AARP discredits widespread myths and misconceptions about age 50 and over employees, showing that they have skills and abilities that can make them key to operating a successful business.

“Just as today’s 50-plus population is disrupting aging and eroding negative stereotypes, today’s 50-plus workforce is adding value by exhibiting traits that are highly sought after in today’s economy,” said AARP CEO Jo Ann Jenkins in her statement on the releasing the 92 page report. “Leading employers across all industries value the expertise and experience of workers 50+ and know that recruiting, retaining and engaging them will improve their business results.”

The report, “A Business Case for Workers Age 50+: A Look at the Value of Experience 2015,” says that the argument for employing older employees has grown even stronger during the last decade, reinforcing a 2005 AARP study that found that these experienced workers are highly motivated, productive and even cost effective.

Researchers claim that this study documents for the “first time why attracting and retaining experienced age 50+ workers is critical for businesses seeking an advantage in the labor market.”

The AARP report comes at a time when experienced workers are playing an increasing role in America’s workplace, research shows. In 2002, workers age 50 and older made up only 24.6 percent of the workforce. By 2012, they were 32.3 percent. By 2022, they are projected to represent 35.4 percent of the nation’s total workforce.

The AARP new study addresses a widespread misconception that older workers cost “significantly more” than younger workers. In fact, adding more talented older employees to your workforce can result in only minimal labor cost increases, says the researchers, noting that 90 percent of large employers now base pay in part on job performance, rather than exclusively on length of employment.

In addition, in terms of retirement costs, only 22 percent of large companies now offer a defined benefit pension plan, down significantly from the 68 percent in 2004.

Looking at the 50-plus segment of the workforce from a performance standpoint, AARP and Aon Hewitt say that older workers remain the most engaged age group. The study reports that 65 percent of workers age 55 and oler are considered “engaged” while younger employee engagement averages 58 to 60 percent.

Although the generational differences in engagement might not seem large, “it takes only a five percent increase in engagement to achieve three percent incremental revenue growth,” the report finds. This can translate into a large company with $5 billion in revenue achieving a $150 million revenue increase as a result of even a five percent engagement improvement, the study says.

An engaged older workforce can influence and enhance organizational productivity and generate improved business outcomes,” says the report. Other advantages of older workers include their job experience, professionalism, strong work ethic, lower turnover, and knowledge.

Contributing to Rhode Island’s Economy

“We have noted in the past the relevance of Rhode Island’s so-called Longevity Economy,” said AARP Rhode Island State Director Kathleen Connell. “Despite being just 36 percent of Rhode Island’s population in 2013 (expected to grow to 38 percent by 2040), the total economic contribution of the state’s 50-plus population accounted for 46% of Rhode Island’s GDP ($24 billion). Now we see another reason to embrace the older population.

Connell notes the “report reinforces the value of older Rhode Islanders as they continue to be a key asset in the workforce. The truth is, that older workers increase labor costs minimally while contributing experience and stability to businesses across the spectrum.

“Many employers in Rhode Island understand this. AARP Rhode Island gets frequent calls from business actively seeking older workers. They know the value and the wisdom they bring to the workplace,” says Connell.

But Oak Hill resident Hank Rosenthal, 64, says of his two year job search, after being laid off, he experienced job discrimination. “Having been interviewed by numerous Human Resource professionals, they just seem incapable of understanding that the years of experience someone has gained is an asset. They seem unable to appreciate that knowledge, experience, and even skills acquired over a lifetime can be transferred and used in virtually any organization or business,” he says.

Rosenthal, now gainfully employed, views his older contemporaries as being “more stable, reliable, have better work ethics and generally make great employees, in line with the observations of the AARP report. With the difficulty in finding employment he believes that companies have not figured this out yet. “What a terrible waste of human capital,” he says.

According to Charles Fogarty, Director of the Division of Elderly Affairs (DEA), the recently released AARP study helps his agency spread this message, “older workers are expected to play a key role in sparking Rhode Island’s comeback.”

“We support policies and programs to help this crucial segment remain active in the labor force by connecting older workers to services and training,” says Fogarty, noting that AARP’s study confirms, “our seniors are a valuable asset in our workforce given their wealth of knowledge, ability to mentor younger colleagues, and commitment to hard work.”

While older workers may be forced to continuing working to pay their bills, many employees will take jobs for both psychological and social fulfillment. Hiring and retaining older workers may be a simple way for American businesses to maintain their competitiveness in a world economy. The report says that this can easily be accomplished by having “flexible workplaces, options for transitioning to retirement and fostering generational diversity and inclusion.” The AARP report is a must read for any CEO or Human Resource Director.

For the full report, go to http://www.aarp.org/research/topics/economics/info-2015/business-case-older-workers.html.

Herb Weiss, LRI ’12, is a Pawtucket-based writer who covers aging, health care and medical issues. He can be reached at hweissri@aol.com.

April 28, 2015April 28, 2015

Making Armenian genocide and holocaust education mandatory

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With newspapers reporting an increase of religious and cultural intolerance and hate crimes, it is refreshing to see the Rhode Island General Assembly pass resolutions condemning the systematic and barbarous murder of Armenians and Jews.

On Friday, April 24, Armenians across the nation stopped to remember the Ottoman authorities eight-year brutal campaign taking place 100 years ago to eliminate their ethnic group from its homeland in what is now Turkey. Both chambers of the Rhode Island General Assembly passed resolutions calling this day, “Armenian Genocide Remembrance Day” and urging President Obama and Congress to officially recognize the genocide which resulted in the estimated death of 1.5 million Armenians and to make restitution for the loss of lives, confiscated properties, those who endured slavery, starvation, torture, and unlawful deportations.

Taking Responsibility for Your Actions

On April 6, it was a personal and professional triumph for Rep. Katherine S. Kazarian (D-Dist. 63, East Providence), a fourth-generation Armenian-American, to take the lead in sponsoring Rhode Island’s House resolution to commemorate the 100th Anniversary of the Armenian Genocide of 1915. In the afternoon before the vote, the East Providence lawmaker unveiled her resolution at a ceremony in the State House State Room attended by elected state officials and fellow lawmakers.

“The only thing worse than trying to eliminate an entire generation and culture is to deny that such a genocide ever took place,” said Kazarian. “For the past 100 years, the government of Turkey has continually refused to acknowledge their part in the ethnic cleansing of the Armenian people, “she said. Until the Armenian genocide that happened 100 years ago on her ethnic group is recognized by the government of Turkey, Kazarian promised to return to the State House every year to keep the issue alive.

Rhode Island Attorney General Peter Kilmartin says, “On this 100th anniversary, it is more important than ever to remember the horror and tragedy that the Armenian people went through, and it is long overdue that as a nation, we recognize the Armenian Genocide. Hopefully, through recognition, vigilance and education, this type of history will cease to repeat itself.”

“From my first days as a legislator to today as Attorney General, I have always advocated for recognition of the Armenian Genocide, and more recently filed an amicus brief in support of the Armenian fight to seek the return of stolen Armenian Genocide era assets through the United States Courts,” says Kilmartin.

“There are many parallels between the Armenian Genocide and the Holocaust carried out by Adolf Hitler, which ultimately killed six million Jews,” says the Attorney General, stressing that the Armenian Genocide served as an example for Hitler, who used the lack of consequences for the perpetrators of the Genocide as encouragement for the Nazis in planning the Holocaust.

“When giving a speech to Nazi leaders one week before the invasion of Poland, which effectively began World War II, Hitler reportedly noted, ‘who, after all, speaks today of the annihilation of the Armenians?,’ notes Kilmartin, saying that “some historians have even suggested that if more had been done to thwart the Ottomans’ massacre of Armenians, perhaps the Holocaust could have been prevented.”

Eradicating Religious and Cultural Bigotry

Marking the 70th anniversary of the liberation of Auschwitz, Buchenwald, Dachau and Bergen-Belsen concentration camps, Rep. Mia Ackerman (D-Dist. 45, Cumberland, Lincoln) submitted a resolution commemorating Holocaust Remembrance Day (Yom Ha’Shoah). The resolution was passed by the House of Representatives.

“The citizens of Rhode Island have a rich tradition of fighting those who would trample individual liberty and human dignity,” said Representative Ackerman. “We must never allow anyone to forget the time when a handful of evil people tried to turn the earth into a graveyard by systematically exterminating an entire race of people.”

The resolution, which was passed by both the House and Senate, also applauded the courageous efforts of those who took part in the Warsaw Ghetto Uprising of 1943, stating “the brave actions in April and May of 1943 stand as testimony to a rare and indomitable human spirit and extraordinary courage exhibited in the darkest hours of man’s inhumanity.”

According to the Conference on Jewish Material Claims Against Germany, by 2020 there will be only 67,000 Holocaust survivors left, 57 percent who will be at least 85 years old. How can the story of the horrific holocaust be told to the younger generation when the eye witnesses are dying off?

Andy Hollinger, Director of Communications for the Washington, D.C.-based U.S. Holocaust Memorial Museum, makes an obvious comment. “No one who did not live through the Holocaust can experience its horrors, he says, noting that “Holocaust survivors are our best teachers.”

Today, about 80 Holocaust survivors are still telling their stories and working to educate new generations about this history at the U.S. Holocaust Memorial Museum.

“When they are no longer here we will rely on the collections — artifacts, documents, photographs, films, and other materials to tell this story,” says Hollinger, noting that the Museum is “racing to collect the evidence of the Holocaust.”

“We’re working in 50 countries on six continents to ensure this proof [witness testimonies, artifacts, and documents] is secured, preserved and made available through exhibitions and, increasingly, digitally, adds Hollinger.

Marty Cooper, Community Relations Director, Jewish Alliance of Greater Rhode, believes it is “vitally important that the next generations learn about the holocaust and other genocides and atrocities that have taken place and continue to take place.” He calls for genocide education to be mandatory and part of the middle and high school curriculum.

One of the great lessons we can learn from the Holocaust and Armenian genocide is that hatred cannot go unchallenged. It must be immediately confronted wherever it emerges, by governments, religious leaders, nonprofit and business organizations, more important by each and every one of us. We must avow that these horrendous atrocities will never happen again to future generations.

April 21, 2015April 21, 2015

‘Doc Fix’ law brings permanent changes to Medicare

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Congress put aside its fierce partisan bickering and came together to pass H.R. 2 –the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA). This week President Obama took the opportunity to sign the legislation package into law.

The congressional fix repeals and replaces the flawed Medicare physician reimbursement system known as the sustainable growth rate (SGR). For the past 13 years, physicians have faced the possibility of an arbitrary cut in their Medicare payments unless congressional lawmakers passed a so-called “Doc Fix” Medicare bill. Since 2003, Congress has passed 17 short-term bills to block these cuts in Medicare doctors’ fees that were called for under the existing law.

On April 14, the Senate passed the MACRA by a whopping 92 to 8 (the House passing its version of the bill in late March by a large margin, 392-37). Two days later, at an outdoor signing ceremony in the Rose Garden, President Obama signed the legislation into law, with the House bill brokers, Speaker John Boehner (R-Ohio) and House Minority Leader Nancy Pelosi (D-Calif.) in attendance. .

A Permanent Fix Prevents Payment Cuts

Just hours before a cut in reimbursement that would take place this week, a rare bipartisan congressional effort prevented a 21 percent cut in Medicare payments to occur. It’s a permanent fix. And the new law extends the Children’s Health Insurance Program, which has provided coverage to millions of American children.

At the signing, Obama called the passage “a milestone for physicians, and for the seniors and people with disabilities who rely on Medicare for their health care needs,” noting that it would also strengthen the nation’s health care delivery system for the long run.

Obama stated this new law “creates incentives to encourage physicians to participate in new, innovative payment models that could further reduce the growth in Medicare spending while preserving access to care.”

According to the Center for Medicare Advocacy (CMA), a national nonprofit, nonpartisan law group that provides education, advocacy and legal assistance to older people and people with disabilities, the estimated cost of the new law is roughly $214 billion over 10 years. CMA says roughly half (approximately $35 of the total $70 billion over 10 years) will come from Medicare beneficiaries through changes that will increase their out-of-pocket costs for health care.(through means testing of higher-income Medicare beneficiaries, increased Part B premiums, and added deductibles to Medigap plans purchased in the future.”

CMA adds that the nation’s pharmaceutical and insurance industries were not required to pay for any of this law, although doing so would have paid for a major portion of the SGR replacement.

Crossing the Aisle

“The Sustainable Growth Rate formula threatened the stability of the Medicare program, and I’m glad we were able to pass a long-term solution to address it. I believe it was a reasonable compromise that will provide financial certainty to health care providers while protecting benefits for low and middle-income seniors,” said Senator Sheldon Whitehouse. The Democratic senator, a member of the Senate Special Committee on Aging, notes that the new law will “boost efforts to pay providers based on quality and outcomes of care, an area where Rhode Island has been a leader.”

Rep. David N. Cicilline gave his take on the new law. “Fixing the Sustainable Growth Rate formula will help ensure that more than 180,000 Rhode Islanders who receive Medicare benefits can keep their doctor and continue to receive quality, affordable health care when they need it, the Democratic Congressman said, noting that “We need to see more bipartisan solutions in Congress like this one.”

Finally, Rep. Jim Langevin, adds, “Although this compromise wasn’t perfect, I am pleased that Congress could come together in a true display of bipartisanship to reach an agreement that increases access to quality heath care for our most vulnerable seniors, provides stability and predictability for physicians and extends the crucial Children’s Health Insurance Program.”

On the Backs of Medicare Beneficiaries

Aging advocacy groups, including the Center for Medicare Advocacy and AARP, failed in their attempts to improve the Senate bill Medicare beneficiaries, including a repeal of the annual therapy caps, raising eligibility standards for low-income programs and permanently extending outreach and education funding for critical programs aimed at low-income beneficiaries. The Senate bill passed without amendments.

While many gave thumbs up to the new law, Max Richtman, president and CEO of the Washington, DC-based National Committee to Preserve Medicare and Medicaid, sees big problems with MACRA.

“The Senate ‘Doc Fix’ vote has traded one bad policy for another, shifting the costs of Congress’ failed Medicare payment formula for physicians to seniors who can least afford to foot that bill. Contrary to claims by supporters, on both sides of the aisle, this ‘doc fix’ will hit millions of seniors who aren’t ‘wealthy’ by any stretch of the imagination. Seniors at all income levels who are already paying steep premiums for Medigap plans to help control their health care costs will now be hit with even higher costs. 46 percent of all Medigap policy holders have incomes of $30,000 or less, he said.

“Medicare beneficiaries will also be forced to contribute nearly $60 billion in premiums over the next decade thanks to passage of this so-called ‘fix,’” Richtman added. “It’s no surprise that conservatives applaud this legislation as ‘the first real entitlement reform in two decades’ because it fulfills their political goal of shifting costs to seniors, cutting benefits and expanding means-testing to push Medicare further and further away from being the earned benefit seniors have long valued and depended on. Trading a bad deal for doctors for a bad deal for seniors is not a legislative victory and it is a surprising move from so many in Congress who have previously vowed to protect Medicare from harmful benefit cuts and seniors from cost-shifting.”

AARP CEO Jo Ann Jenkins also expressed strong disappointment in the Senate not passing an amendment that would have removed Medicare’s arbitrary cap on physical therapy, speech language pathology, and occupational services. “Many Medicare patients, particularly stroke victims and people with Parkinson’s and Multiple Sclerosis would have benefited,” says Jenkins. With a majority of the Senate agreeing with this amendment, Jenkins says that AARP will continue to lobby to remove the arbitrary coverage cap.

But, Jenkins sees the positives. “Passage of MACRA moves Medicare in the right direction toward better quality health care and greater transparency for patients. These changes will benefit Medicare beneficiaries, as well as physicians and other providers, hospitals, and the overall health care system,” she says.
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Through the enactment of MACRA Congress put aside its political differences that made a permanent fix to a flawed law. If you can do it once, let’s see our lawmaker do this again, to provide improved programs and services to our nation’s older population.

April 6, 2015April 6, 2015

Keeping Social Security off the GOP chopping block

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One of the first political skirmishes to protect the nation’s Social Security program, 589 days before next year’s Presidential election, took place on March 24th in the U.S. Senate during the budget debate. Leading the charge, Rhode Island Senator Sheldon Whitehouse called up Senator Wyden (D-OR)’s budget amendment, requesting a Senate point of order against legislation to cut benefits, raise the retirement age, or privatize Social Security.

“Social Security benefits are a solemn promise that our seniors have earned over a lifetime of work,” said Whitehouse, a founding member of the Senate’s Defend Social Security Caucus. “Sadly, Republicans have made it their mission for decades to dismantle that promise, attempting to turn it over to Wall Street and cut benefits through misguided ideas like the so-called ‘chained-CPI.'”

Republican Senator Mike Enzi from Wyoming raised a point of order, calling Wyden’s amendment non germane to the budget resolution being debated. The Democrats rallying 51 senators to vote yea, but 60 votes were required to wave Enzi’s point of order.

Although his attempts to protect Social Security in the Senate budget have thus far failed, Richard Davidson, Whitehouse’s Rhode Island press secretary, tells this columnist that the senator plans to continue his efforts to keep Social Security off the GOP budget chopping block and from being privatized by supporting legislation like the Keeping Our Social Security Promises Act, legislation that would raise the income cap on the payroll tax to ensure the program’s solvency.

The Social Security trust funds are projected to be fully solvent though 2033; there’s no immediate funding crisis, said Davidson. But, in the longer run, Whitehouse believes the program must be bolstered by applying the payroll tax, which currently only applies to income up to $118,500, to higher levels of income, he says.

Protecting SSDI

One month before the Senate budget debate, the GOP-controlled Senate Budget Committee put a spotlight at a hearing on the impending insolvency of the nation’s Social Security Disability Trust Fund (SSDI). The federal government has predicted that SSDI fund reserves will run low by the end of 2016, at which point millions of disabled beneficiaries could see up to a 20 percent cut in benefits.

At the Senate hearing, entitled “The coming crisis: Social Security Disability Trust Fund Insolvency,” Democrats called for an easy quick fix to the problem, specifically the shifting of a small percentage of the Social Security payroll tax from the retirement trust fund to the disability trust fund. No big deal, they say, because these transfers have occurred 11 times in the past with bipartisan support without political bickering. But, from this hearing it seemed clear that GOP senators see things differently and are threatening to block the infusion of funds to SSDI.

Approximately 10.2 million Americans received SSDI benefits in 2013, including roughly 42,000 Rhode Islanders. In order to qualify, beneficiaries are required to have worked in a job covered by Social Security, and must have been unable to work for a year or more due to a disability.

The Plum Line blog, penned by Greg Sargent for the Washington Post, took a closer look a look at this SSDI entitlement debate in February.

In his opinion blog, Sargent says that GOP lawmakers claim that “restricting a fund transfer is all about forcing a necessary discussion on how to improve Social Security’s long term finances, rather than merely ‘kicking the can down the road.'” On the other hand, the Washington Post blogger believes Democrats see the Republicans as “exaggerating the sense of crisis to realize one of two political goals. Either they want to force immediate, and unnecessary, cuts – or they want to hold the disability fund hostage, in order to have another run at cuts to the broader program [Social Security].”

Gathering the Troops

At a March 23rd panel discussion hosted by the Providence-based Headquarters of Community Action Partnership , Whitehouse and Congressman Jim Langevin with Rhode Island Senator Donna Nesselbush, a disability attorney, along with SSDI recipients, disability groups, and the Social Security Administration, came to discuss the solvency of SSDI and its impact on the Ocean State. The lawmakers called for shifting Social Security payroll taxes to financially shore up the ailing SSDI program. Both lawmakers also supported a long-term solution, fully funding the federal retirement and disability programs by lifting the cap on the amount of income that is subject to the payroll taxes that fund the program.

“Right now, a millionaire hedge-fund manager pays the same amount of taxes into the Social Security system as someone who makes $118,500,” said Whitehouse. He called for “wealthiest Americans to pay a fair share into the program, so that it’s not funded disproportionately on the backs of middle-class workers.”

Congressman Langevin stressed “SSDI is not only a critical safety-net for disabled workers, their children and spouses, it is also a promise we make to everyone who pays into the Social Security trust fund that they won’t be impoverished if they are left with a debilitating condition or disability.”

Although Whitehouse’s efforts to protect the nation’s Social Security and disability programs were derailed in the Senate budget debate because of a GOP procedural call, it’s only the first of many political skirmishes to come. The upcoming 2016 presidential elections will firmly put this entitlement issue on the nation’s radar screen, hopefully to address once and for all.

But, here’s my message to Whitehouse: Even if you lose a skirmish, or battle, you can always win the war. Keep pushing.

March 3, 2015March 4, 2015

Obama’s budget addresses issues of interest to seniors

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President Obama released his 141 page ‘policy and wish list” when he unveiled his politically ambitious FY 2016 budget on Feb 2, not having to worry about running for president in the upcoming 2016 presidential election cycle.

Yes, even inside the Washington Beltway a picture is truly worth a thousand words. Gone is the budget’s plain blue cover replaced by a black and white photo of the Tappan Zee Bridge in New York, an image that projects one of the President’s spending priorities of rebuilding the nation’s infrastructure to create jobs and improve the transportation system.

The $4 trillion presidential budget, a political campaign document outlaying his policies and priorities, would cancel automatic sequestration cuts to domestic and military programs over a 10 year period. According to the New York Times, Obama’s budget proposal would add $6 trillion to the national debt, and the single-year deficit would rise to $687 billion by 2025.

Obama’s FY 2016 budget puts more funding into education, rebuilding the nation’s infrastructure, increased defense spending, along with providing tax relief for America’s middle class while increasing the taxes for corporate America and the wealthy. Political insiders say that Obama’s budget, one that gives to the middle class and assesses higher taxes from corporate America and the wealthy, sets the issues to be surely debated in the upcoming presidential election. .

A Look at Aging Priorities

In a Feb. 3 blog post, Nora Super, executive director of the upcoming White House Conference on Aging, details how the recently released budget proposal will “ensure that older Americans enjoy not only longer but healthier lives.”

As to retirement security, Super notes that the Obama Administration strongly opposes any legislative measures that would privatize the nation’s Social Security program, or slash benefits for future generations or reduce basic benefits to current beneficiaries. Super says that half the nation’s workforce, that’s about 78 million, does not have a retirement savings plan at work. “Fewer than 10 percent of those without plans at work contribute to a plan of their own. The President’s FY 2016 Budget expands retirement opportunities for all Americans to help families save and give them better choices to reach a secure retirement,” she says.

According to Super, Obama’s Budget proposal supports healthy aging by strengthening the Medicare program by “aligning payments with the costs of providing care, along with encouraging health care providers to deliver better care and better outcomes for their patients, and improving access to care for beneficiaries.”

To put the brakes to rising prescription drug costs, Super notes that the President’s Budget proposes to close the Medicare Part D donut hole for brand drugs by 2017, rather than 2020, by increasing discounts from the pharmaceutical industry. The Budget proposal also gives the Secretary of Health and Human Services new authority to negotiate with drug manufacturers on prices for high cost drugs and biologics covered under the Part D program.

Linking nutrition to healthy aging, Super says that Obama’s Budget provides “over $874 million for Nutrition Services programs, a $60 million increase over the 2015 enacted level, allowing States to provide 208 million meals to over 2 million older Americans nation-wide, helping to halt the decline in service levels for the first time since 2010.” Also, Obama’s budget ratchets up funding for supportive housing for very low-income elderly households, including frail elderly, to give these individuals access to human services, she adds. .

Protecting older persons from elder abuse, neglect and financial exploitation, Super blogs that the President’s budget proposal includes $25 million in discretionary resources for Elder Justice Act programs authorized under the Affordable Care Act. “Funding will “improve detection and reporting of elder abuse; grants to States to pilot a new reporting system; and funding to support a coordinated Federal research portfolio to better understand and prevent the abuse and exploitation of vulnerable adults,” she says.

Here’s Super’s take on the Obama budgetary blueprint: “Taken together, these and other initiatives in the Budget will help to change the aging landscape in America to reflect new realities and new opportunities for older Americans, and they will support the dignity, independence, and quality of life of older Americans at a time when we’re seeing a huge surge in the number of older adults.”

In a released statement, AARP Executive Vice President Nancy LeaMond gives thumbs to the president’s efforts to “lower the cost of prescription drugs, promote better care, reward improved outcomes and make health care programs more efficient and less wasteful.” She also expresses her nonprofit group’s support for the President’s budgetary priorities to “create opportunities for the middle class” and his goal “to make saving for retirement easier.”

But, LeaMond expresses concerns that higher premiums, deductibles and copays might shift costs to older Americans. “As the federal deficit continues shrinking, we must find responsible solutions for strengthening critical programs and improving the retirement and overall economic security of current and future generations. We must also look for savings throughout the entire health care system, as the rising cost of health care threatens people of all ages,” she says.

In his statement, President/CEO Max Richtman, of the Washington, DC-based National Committee to Preserve Social Security and Medicare, agrees with LeaMond’s concerns of higher premiums, deductible’s and co pays, too. “While some tout increasing means testing in Medicare as a way to insure ‘rich’ seniors pay their share, the truth is, the middle-class will take this hit as well,” he predicts.

Political pundits say that Obama’s 2016 budget was dead-on arrival at Capitol Hill the day it was released at the beginning of February. In the shadow of the upcoming 50th Anniversary of Medicare, Medicaid, and the Older Americans Act, as well as the 80th Anniversary of Social Security, GOP leadership in both chambers of Congress must work with the Democratic President to hammer out a bipartisan compromise. Putting budgetary proposals that strengthens the nation’s programs and services for older Americans on the chopping block for purely political reasons is not acceptable, especially to a nation that opposes political gridlock.

Herb Weiss, LRI ’12, is a Pawtucket-based writer covering aging, health care and medical issues. He can be reached at hweissri@aol.com.

September 22, 2014

GAO report: Elderly hit hard by student loan debt

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Janet Lee Dupree took out a $ 3,000 student loan to help finance her undergraduate degree when she was in her late twenties. While acknowledging that she did not pay off the student loan when she should have, even paying thousands of dollars on this debt, today the 72-year-old, still owes a whopping $15,000 because of compound interest and penalties.

The Ocala, Florida resident, in poor health, will never pay off this student loan especially because all she can afford to pay is the $50 the federal government takes out of her Social Security check each month. Citing Dupree’s financial problems in her golden years in his opening remarks, Chairman Bill Nelson (D-FL), of the Senate Special Committee on Aging, used his legislative bully pulpit to dispel the myth that student loan debt only happens to young students.

“Well, as it turns out, that’s increasingly not the case,” he said.

Student Loan Debt Impacts Seniors, Too

Last week’s Senate Aging panel hearing also put the spot light on 57-year-old Rosemary Anderson, a witness who traveled from Watsonville, California, to inside Washington’s Beltway, detailing her student loan debt. Anderson remarked how she had accumulated a $126,000 loan debt (initially $64,000) to pay for her bachelor’s and master’s degree. A divorce, health problems combined with an underwater home mortgage kept her from paying anything on her student loan for eight years.

Anderson told Senate Aging panel members that with new terms to paying off her student loan debt, she expects to pay $526 a month for 24 years to settle the defaulted loan, setting her debt at age 81. The aging baby boomer will ultimately pay $87,487 more than her original student loan amount.

Like Anderson, a small but growing percentage of older Americans who are delinquent in paying off their student debts worry about their Social Security benefits garnished, drastically cutting their expected retirement income.

According to a 22 page Government Accountability Office (GAO) report, “Inability to Repay Student Loans May Affect Financial Security of a Small Percentage of Retirees,” released at the Sept. 10 Senate panel hearing, the amount that older Americans owe in outstanding federal student loans has increased six-fold, from $2.8 billion in 2005 to more than $18 billion last year. Student loan debt for all ages totals $ 1 trillion.

The GAO report noted that student loan debt reduces net worth and income, eroding the older person’s retirement security.

Nelson observed, “Large amounts of any kind of debt can put a person’s finances at risk, but I think that Ms. Dupree’s story shows that student debt has real consequences for those in or near retirement. And, the need to juggle debt on a fixed income may increase the likelihood of student loan default.”

Although the newly released GAO report acknowledged that seniors account for a small fraction of student loan debt holders, it noted that the numbers of seniors facing student loan debt between 2004 and 2010 had quadrupled to 706,000 households. Roughly 80 percent of the student loan debt held by retirement-aged Americans was for their own education, while only 20 percent of loans were taken out went to help finance a child or dependent’s education, the report said.

Senator Sheldon Whitehouse (D-RI), who sits on the Senate Special Committee on Aging, says student loan debt is a burden for thousands of Rhode Islanders, including a growing number of retirement-age borrowers who either took out student loans as young adults, or when they changed careers, or helped pay off a child’s education.

“Student debt presents unique challenges to these older borrowers, who risk garnishment of Social Security benefits, accrual of interest, and additional penalties if they are forced to default,” said Whitehouse, stressing that pursuing an education should not result in a lifetime of debt.

He sees the Bank on Students Emergency Loan Refinancing Act, which would allow approximately 88,000 Rhode Islanders to refinance existing student loans at the low rates that were available in 2013-2014, as a legislative fix to help those who have defaulted on paying off their student loans. “By putting money back in the pockets of Rhode Islanders we can help individual borrowers make important long-term financial decisions that will ultimately benefit the economy as a whole,” he says.
Garnishing Social Security

The GAO reports finds that student loan debt has real consequences for those in or near retirement. The need to juggle debt on a fixed income may increase the likelihood of student loan default. In 2013, the U.S. Department of the Treasury garnished the Social Security retirement and survivor benefits of 33,000 people to recoup federal student loan debt. When the government garnishes a Social Security check, multiple agencies can levy fees in addition to the amount collected for the debt, making it even more challenging for seniors to pay off their loan.

Susan M. Collins (R-ME) warned [because of a 1998 law] seniors with defaulted student loans may even see their Social Security checks slashed to see their Social Security check to $750 a month, a floor set by Congress in 1998. “This floor was not indexed for inflation, and is now far below the poverty line, adds Collins, who says she plans to introduce legislation shortly to adjust this floor for inflation and index it going forward, to make sure garnishment does not force seniors into poverty.

According to an analysis of government data detailed on the CNNMoney website, “More than 150,000 older Americans had their Social Security checks docked last year for delinquent student loans.”

Unlike other types of consumer debt, student loans can’t be discharged in bankruptcy. Besides docking Social Security, the federal government can use a variety of ways to collect delinquent student loans, specifically docking wages or taking tax refund dollars. These strategies also cutting the income of the older person.

Some Final Thoughts…

“It’s very important that we focus on the big picture and the implications in play,” said AARP Rhode Island State Director Kathleen Connell, noting that “Education debt is becoming a significant factor for younger workers in preparing for retirement, delaying the ability of people to retire and threatening a middle-class standard of living, both before and after they retire.

Connell says, “Its serious concern for some older Americans as approximately 6.9 million carry student loan debt – some dating back to their youth. But others took on new debt when they returned to school later in life and many others have co-signed for loans with their children or grandchildren to help them deal with today’s skyrocketing college costs.”

“It’s not just a matter of Federal student loan debt being garnished from Social Security payments if it has not been repaid, “ Connell added. “Outstanding federal debt also will disqualify an older borrower from eligibility for a federally- insured reverse mortgage.

“Families need to know the costs and understand the long-term burden of having to repay large amounts of student loan debt,” Connell concluded. “They also need information regarding the value of education, hiring rates for program graduates and the likely earnings they may expect.”

Finally, Sandy Baum, senior fellow with the Urban Institute, warns people to think before they borrow. “They should borrow federal loans, not private loans, she says, recommending that if their payments are more than they can afford, they should enroll in income-based repayment.

Addressing student loan debt issues identified by the GAO report, Baum suggests that Congress might ease the restrictions on discharging student loans in bankruptcy, and end garnishment of Social Security payment for student debt. Lawmakers could also strengthen income-based repayment, making sure that they don’t give huge benefits to people with graduate student debt and relatively high incomes.

July 17, 2014July 18, 2014

Olon Reeder’s Fix for the State’s Ailing Economy

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Olon Reeder, a slight-figured, unassuming, behind-the-scenes kinda guy, has been quietly improving the quality of life in northern Rhode Island for decades as a public affair adviser for the Blackstone Valley Tourism Council.

With his years of working in the public sector, as legislative assistant with the Rhode Island General Assembly in the mid-to-late 1970s, with the Garrahy administration, state agencies and with small businesses, he’s authored a nontraditional economic development policy paper he hopes will be considered in next year’s Rhode Island General Assembly debate as to how to create a more vibrant business environment in the Ocean State.

Over the years, Reeder, President of Reeder Associates, a Southern New England-based public relations and multi-media communications company, has seen state lawmakers and its economic development agency attempt to compete with surrounding states, just going after “larger, trendy, projects to turn the economy around. “Smaller companies would always get the short end of the stick, because they were not seen as a viable economic generator,” he says, stressing that this perception is inaccurate.

In recent years economic development solutions to fix the state’s ailing economy have been floated for public debate by lawmakers, economic development professionals or by large corporations. Today, Reeder, with almost 40 years of in the public and private sectors, calls on state lawmakers to consider his proposal when they focus on economic reform in next year’s session. More needs to be done, says the small businessperson who is a Native Rhode islander.

It’s almost like Mr. Reeder goes to Smith Hill, to take on the establishment to be heard.

“We are at a critical crossroads where we must overcome our negatives attitudes and start taking actions ourselves if we all want our state and our lives to become successful,” Reeder wrote in a recently-released policy statement detailing his suggested economic development action agenda, as how to improve the state’s long term quality of life, through investing in people, communities and small businesses.

He calls for tying lifelong education to grow the economy. “Brain power is a key element driving worldwide demands and economic activity today, through the convergence of non stop knowledge, creative economy, enterprise and innovation, art-design connections, which all start with lifelong learning,” he says.

He says personal empowerment creates the environment for change “Empowerment encourages, and develops the skills for, self-sufficiency, giving people the abilities and knowledge that will allow them to overcome obstacles in life or work environment and ultimately, help them develop within themselves or in the society,” he says.

Companies are constantly replacing full-time employees, he said, and now relying upon independent contractors, where people who once counted on a steady pay check are now being left to fend for themselves in a hyper-competitive self employed market. These individuals are oftentimes forgotten by policy makers.

Based on 2011 figures from the US Bureau of Labor Statistics, in Rhode Island, there re over 73 thousand self employed contributing over $3 billion annually to the state’s economy. Most self employed are hired out of necessity, are done so locally and through word of mouth. Because freelancers depend so much on self promotion to get their jobs, they must focus on the local markets, along with showcasing their diverse personal talents, marketing their skills to business owners in their community, along trying to compete with others for opportunities.

Reeder recognizes the importance of valuing our places, spaces and communities, to grow business. “More than ever, people must be connected to where we live, work, play, stay and travel. People expect places and spaces they interact with daily to be vibrant, active, socially appealing, culturally stimulating and help them in improving their quality of life, especially with their physical and mental health,” he says.

Reeder notes active living communities provide opportunities for people of all ages and abilities to engage in routine daily physical activity, he says, like pedestrian and bicycle friendly design, access to intermodal transportation, mixed use development, ample recreation, walkable neighborhoods, access to fresh and healthy foods and commerce centers. This philosophy must be included in any state economic development plan.

“Our economic revitalization is relevant to healthy and sustainable communities because active living communities encourage individuals to be more physically active, improving health by lowering citizens’ risk for health conditions, adds Reeder. “Active living communities create enhance quality of life, attract business and knowledge workers, and contribute to ongoing economic development,” he says.

Reeder stresses that technology is a must, as people are now “required” to have 24/7 365 access to the Internet and must now communicate through social media to live, work, and transact personal activity, he calls for providing everyone with free online access “as a necessity of our 21st century lifestyles.”

Finally, Reeder thinks “Demand Driven Experiences” are necessary for not only reinventing our state’s manufacturing, but in changing our self attitudes about how Rhode Islanders see themselves, ultimately affecting expectations others may have about the perception of Rhode Island as the worst place for business.

“Because people no longer buy things for their personal benefit, they want enhancements to fulfill missing elements of their lives,” adds Reeder, noting that experiences are crucial for businesses and locations as a branding and marketing tool, especially with efforts in Rhode Island attracting people to live and travel here for our entertainment, food and lifestyles.”

“Using our experiences to effectively promote market and give an iconic brand, we must also stay true to the “real Rhode Island,” to our proud independent and working class heritage, the ethnic and cultural diversity in our state, and preserving our unique natural resources,” he says.

State lawmakers are moving in the right direction to make Rhode Island a more business-friendly place to operate. Reeder continues his efforts to get his voice heard by General Assembly leadership, state policy makers, business groups, even gubernatorial candidates. Hopefully, they will choose to closely listen to Reeder’s nontraditional approach to economic development and to small business owners who know their specific needs to operate successfully.

June 6, 2014June 9, 2014

Red Bandana Fund recognizes Henry Shelton and Providence Student Union

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This weekend look for the gathering of friends, Rhode Island College educators, progressives, folkies and family members of the late Richard J. Walton, who come to the Red Bandana Award to pay homage and remember him. With his prominent long white beard and red bandana, decked out in blue jean overalls and wearing a baseball cap, Walton was a dedicated advocate of worker rights and committed to the nurturing of young people as a college professor at Rhode Island College. He gave hundreds of hours of service every month to organizations including Amos House, the George Wiley Center, Providence Niquinhomo Sister City Project, the Green Party, and Stone Soup Folk Arts Foundation.

The Red Bandana Fund was also created to be a legacy to help sustain Rhode Island’s community of individuals and organizations that embody the lifelong peace and justice ideas of Walton. Through the Red Bandana Fund, an annual financial award will be made to an organization or individual whose work best represents the ideals of peace and social justice that exemplify Walton’s life work.

Stephen Graham, a member of committee organizing the fundraiser, noted that 12 nominations received. “There were many deserving nominations, all of which one could make an excellent argument for the award,” he said. “After much deliberation and agonizing, the Red Bandana Fund decided to give not one but two awards,” noted Stephen Graham, a member of the committee. “Awards will be given to longtime community activist and hell-raiser, Henry Shelton, and the other to the passionate, unrelenting organizing workers called the Providence Student Union (PSU),” he says, noting that their work embodies the spirit and work of Walton, a well-known social activist in the Rhode Island area who died in 2012.

“Richard would have loved the choices,” noted Graham, a very close friend of Walton’s and a retired community activist.

The Red Bandana Fund celebration takes place on Sunday, June 8 at Nick-a-Nees, 75 South Street. In Providence from 4:00 p.m. to 7:00 p.m. The event is open to the public and donations accepted. Shelton, a former Catholic priest and long-time director of the Pawtucket-based George Wiley Center, is known throughout the region for his steadfast commitment to bettering the lives of all Rhode Islanders, especially the poor and disadvantaged. As a longtime advocate for the needy, he has been a fixture on the streets and at the statehouse for decades, advocating for fairness in housing, public transportation, and medical care.

“It is not an understatement to say that Shelton is the conscience of this state and has been for a long, long time,” says Graham, noting that there was no way Shelton could be ignored.

The committee also honored a new generation of young people working to make a better world, added Graham. So, the Red Bandana Fund also recognizes the PSU for its groundbreaking work done in addressing important issues of education in creative and powerful ways. The PSU is an important voice in the debate over the value of high-stakes testing, challenging the NECAP tests as a requirement for graduation, and has forced officials and politicians to address their concerns, he said.

“It is their commitment to grass-roots organizing and social change, at such a young age, that has earned them the recognition and thanks of the Red Bandana Fund and for all those fighting for justice in today’s society,” says Graham. Coming up with a name for Walton’s fundraiser was tied to his unique fashion sense and was the idea of his daughter Cathy Barnard and Richard, her brother. Like most people, Richard had a vivid, visual image of his father, who had long white hair and beard, being known for wearing his trademark worn blue jean overalls, a red bandana and Stone Soup baseball cap. After Walton died his close friends came over to his house and wanted one of his red bandanas to remember him. Thus, the red bandana became the perfect moniker and recognition for the annual fundraiser.

Says Bill Harley, also on the organizing committee, The Red Bandana Fund is a continuation of Walton’s tradition of having an annual birthday bash – usually held the first Sunday in June, to raise money for Amos House & the Providence-Niquinohomo Sister City Project and other progressive causes. Over 24 years, Walton had raised over $40,000 for these favorite charities, attracting hundreds of people each year including the state’s powerful political and media elite to his family compound located at Pawtuxet Cove in Warwick

“We hope all the people who attended Richard’s parties in the past [1988 to 2011] will show up for the event and you can bring your favorite dish for the potluck,” adds Harley.

“This is our second year giving the award,” said Bill Harley, a member of the selection committee. “We chose the awardees from a great list of nominations, and decided to acknowledge both young organizers, and one of our long-time heroes. Too often, the people who are in the trenches working for us don’t get recognized. We hope the Award begins to address that shortcoming.”

According to Graham, “last year’s event was more of a concert and tribute to Walton.” Over 300 people attended the inaugural Red Bandana fundraising event in 2013 at Shea High School, raising more than $11,000 from ticket sales, a silent auction and raffle. At this event, the first recipient, Amos House, received a $1,000, he said. Graham says the well-known nonprofit was chosen because of its very long relationship with Walton. He was a founding board member, serving for over 30 years, being board chair for a number of years. For almost three decades, the homeless advocate spent an overnight shift with the men who lived in the 90-Day Shelter Program each Thursday bringing them milk and cookies. Each Friday morning he would make pancakes and eggs in the soup kitchen for hundreds of men and women who came to eat a hot meal.

As to getting this year’s Red Bandana Fund off the ground, Harley says: “It’s been a year of fits and starts to make this thing work. I believe that the establishment of this award, and the honoring of people on a yearly basis, will help us build a community here that can transform our culture. It’s a little thing down the road, I can envision this award meaning more and more to recipients, and to the community those recipients come from.”

Walton touched people’s lives, Rick Wahlberg, one of the organizers. “Everyone had such an interesting story to tell about Richard,” he stated, noting that the Warwick resident, known as a social activist, educator, humanitarian, very prolific writer, and a co-founder of Pawtucket’s Stone Soup Coffee House “had made everyone feel that they themselves had a very special, close relationship with him.” Like last year’s inaugural event, Wahlberg expects to see many of Walton’s friends at the upcoming June 8th fundraiser. He and others attending will view this event as a “gathering of the clan” since those attending will be Walton’s extended Rhode Island family.

So, block out some time on your busy Sunday. Come to the Red Bandana Fund event to remember our good old friend, Richard Walton, and support his legacy and positive impact in making Rhode Island a better place to live and work. Enjoy the gathering of caring people who come to recognize the advocacy efforts of Shelton and the PSU to carry on Walton’s work.

Spread the word.

Core participants in organizing this year’s Red Bandana Fund include, Bill Harley, Stephen Graham, Jane Falvey, Barbara & Rick Wahlberg. Other participants included Jane Murphy, Jodi Glass, Cathy Barnard and Richard Walton, Jr.

For more information about donating to The Red Bandana Fund, click here.

Herb Weiss, LRI’12, is a Pawtucket-based writer who covers health care, aging, and medical issues. He can be reached at hweissri@aol.com.

May 2, 2014

RI Music Hall of Fame is poised to honor the best

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Arthur “Pooch” Tavares, with nearly 60 years in the music business, continues to reach out to his old fans and to new generations as well. The 70 year old Tavares is still performing about 75 concerts a year all over the world with three of the brothers (Perry “Tiny,” Antone “Chubby” and Feliciano “Butch”) who made up the original quintet which became know worldwide as simply Tavares. (Fifth brother Ralph retired from the road in the 1980s.)

The brothers grew up in the Fox Point and South Side neighborhoods of Providence and Tavares says, “The good lord has seen fit to keep us all together.” The most notable moment he remembers from his long career is when The Bee Gees gave his group “More Than A Woman,” one of the key songs in the score to Saturday Night Fever, for which they won a 1977 Grammy Award. But running a close second is being inducted into the Rhode Island Music Hall of Fame

“It’s quite an honor to be recognized for your music in the place where you were born,” states Tavares.

With just two weeks to go until the induction of this year’s class into the Rhode Island Music Hall of Fame (RIMHOF) on May 4, at The Met at the historic Hope Artiste Village, Vice Chair Rick Bellaire gives this columnist the details about those who are being recognized as Rhode Island’s best.

In announcing the RIMHOF Class of 2014, Bellaire says, “This initiative provides a great opportunity to acknowledge Rhode Island’s musical greats and celebrate their achievements and now we finally have an organization whose primary goal is to promote and preserve our state’s rich musical heritage. With actual exhibit space, coupled with our online archive, we have in place the tools to curate and showcase the best of Rhode Island’s musical artistry.”

Bellaire notes that it’s sometimes easy to forget, and even hard for some to believe, that such world-acclaimed artists actually have roots right here in Ocean State. “For the smallest state, Rhode island has produced an inordinately large number of truly great, successful and important artists and their devoted local fans helped to place them on the world stage. Tavares is a case in point.”

According to Bellaire, from their earliest days in the Fox Point neighborhood of Providence, it was clear the seven Tavares brothers were born to make music. They are recognized as pioneers in the evolution of R&B from the Soul era into the modern Funk and Disco movements of the ’70s and ’80s. They had over a dozen major hits and won a Grammy for “More Than A Woman,” their contribution to Saturday Night Fever. “But,” says Bellaire, “the best part of the Tavares story for me is not about how great they are or how successful they are. Everyone knows that. For me its about their journey. They worked really hard to get to the top. Their story will continue to inspire young musicians for decades to come.” Tavares will appear in concert on May 3 at Lupo’s Heartbreak Hotel.

Bellaire provides some background on the other new RIMHOF inductees:

The Castaleers are recognized as the state’s Rhythm & Blues trailblazers. They came together in the mid-1950s when members of various groups formed a permanent lineup consisting of Richard Jones (later replaced by Joe Hill), George Smith, Dell Padgett, Ron Henries and Benny Barros. In partnership with songwriters/producers Myron and Ray Muffs, they had four national releases and paved the way for the rest of Rhode Island’s R&B greats.

Paul Gonsalves of Pawtucket started out playing tenor sax in big bands including Count Basie’s. As a master of many styles, he became a pivotal figure in the evolution of post-war modern jazz. He joined Duke Ellington in 1950 and provided a crucial ingredient in the modernization of Duke’s sound. His place in the history books was guaranteed by his famous 27 chorus improvisation on “Diminuendo and Crescendo In Blue” at the 1956 Newport Jazz Festival.

Randy Hien of Woonsocket entered the music business in 1971 when he took on the job of reopening the old Loew’s State Theatre as The Palace in downtown Providence to present Rock ’n’ Roll concerts. When the Palace closed 1975, Randy purchased the original Living Room on Westminster Street by trading the keys to his Jaguar XKE for the keys to the club and the liquor license. He kickstarted Rhode Island’s original music scene by instituting a policy which welcomed bands who performed their own music. The club became the center of the state’s music scene and Randy its biggest supporter

Rhode Island Philharmonic Orchestra founder and conductor emeritus Francis Madeira initially came to Providence to teach music at Brown University in 1943. Finding no professional symphonic orchestra, he created one bringing together a 30-member ensemble that would bring the music of the European masters to the Ocean State. Maestro Madeira will be inducted into RIMHOF on May 10 during a performance by the Philharmonic at Veterans Memorial Auditorium in Providence.

Winston Cogswell of Warwick,was literally present at the birth of Rock ’n’ Roll after moving to Memphis, Tennessee in 1954. At Sun Records, as a guitarist, pianist, songwriter, arranger, producer and recording artist under the name “Wayne Powers,” he collaborated with some of the most important figures in music history including Johnny Cash, Jerry Lee Lewis and Roy Orbison. He returned to Warwick in 1960 and began working with pianist/composer Ray Peterson. The duo formed Wye Records with a third partner, engineer Ken Dutton, and their debut release as The Mark II, “Night Theme,” became a national hit. Wye remains the only Rhode Island label to score a Hot 100 hit.

By the end of the 1960s, Duke Robillard of Woonsocket had already earned a reputation as one of the finest blues guitarists in the state after stints with the short-lived original lineup of Roomful of Blues and Ken Lyon’s Tombstone Blues Band. In 1970, he reformed Roomful with a three-piece horn section to play jump blues and under his leadership, the band practically single-handedly revived the genre with two albums for Island Records. In the early 1980s, Duke began to pursue a solo career at Rounder Records. His jazzier side emerged with the release of “Swing” in 1987 to critical acclaim. “Duke recently told me he feels that, in music, blues is the universal language,” says Bellaire. “So I say, Duke Robillard is fluent in many languages!”

Freddie Scott of Providence moved to New York in 1956 and began his career as a songwriter for Don Kirshner working alongside to Carole King, Neil Sedaka and Paul Simon. His songs from this period were recorded by Ricky Nelson, Paul Anka, Tommy Hunt and Clyde McPhatter. Freddie entered the charts as a singer himself in 1963 with “Hey Girl” written by his friends Carole King and Gerry Goffin. It hit Billboard’s Top 10 and is considered a classic today. In 1966, he scored a #1 R&B song with “Are You Lonely For Me.” His last album was “Brand New Man” in 2001.

In 1976, Cheryl Wheeler moved to Rhode Island to pursue a career in music on the Newport folk scene. She was quickly recognized as one of the finest songwriters and singers to surface in a decade or more. In 1986, her first album brought her national attention. Her song “Addicted” was taken all the way to #1 on Billboard’s Top 40 Country chart by superstar Dan Seals in 1988. Since then, she has released a series of albums of her comic and emotionally intense songs which are considered singer-songwriter classics around the world. Says Bellaire, “Cheryl is a treasure. Her songs are perfect – every note and every word propels the story forward. She’s also a masterful performer. She can have you in tears one minute and rolling in the aisle the next. Every show is magical.”

RIMHOF Chair Bob Billington says, “This year’s honorees are amazing. Their histories in music are superior. Rhode Islanders should meet and greet them in person at our events. They will not be disappointed.”

Tickets for the Saturday, May 3 Tavares concert at Lupo’s and for the induction ceremonies and concert on Sunday, May 4 at The Met can be purchased at www.rhodeislandmusichalloffame.com.

Herb Weiss, LRI ’12, is a Pawtucket writer who covers aging, health care and medical issues. He can be reached at hweissri@aol.com. He also serves on RIMHOF’s Board of Directors.

March 14, 2014March 14, 2014

RIC honors Richard Walton

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As my co-editor, Rhode Island College (RIC) President Nancy Carriuolo will tell you that the late Richard Walton clearly understood the power of the emerging Internet and the power social media would wield in our daily lives. The beloved social activist and educator who put tireless energy and effort into supporting many worthy causes began emailing and connecting to his family and vast network of friends electronically in the early 1990s.

Over 20 years, he would literally write thousands of correspondences on a vast array of topics including serious social causes, baseball and boxing, politics and even entertaining observations about Rhode Islanders and local events.

Honoring the Late Richard Walton

According to Carriuolo, the late activist’s and educator’s love and active involvement in social media prompted the creation of our e-book, The Selected E-Mail Correspondences of Richard Walton, which offers his sampling of correspondence. As co-editors of this tribute to Walton, we invite you to a RIC Foundation fundraiser, where we will unveil our e-book in his memory, from 2-3 p.m. on Sunday, March 23, at the RIC Student Union Ballroom, 600 Mt. Pleasant Ave., Providence. We will offer readings from this e-book. The suggested donation for the event is $10. Proceeds will be used to equip the English Department Conference Room, which will be named in Walton’s honor.

Last winter, Facebook notification of a memorial event held at Roots Cafe in Walton’s honor brought Nancy Carriuolo and I together with hundreds of others shortly after Richard’s death to celebrate his extraordinary life. We began to correspond via Facebook. She sent me an e-essay that Richard had sent her about “the Encyclopedia Britannica going out of print and wondering what would happen to his Encyclopedia Britannica when he passed.” In return, I sent her an essay titled “The great and good Hammerin’ Hank Tears for my Boyhood Baseball Hero,” telling his love and admiration for the legendary baseball player, Hank Greenberg, and the tears he shed for a long dead baseball player.

In our social media chats, Carriuolo admitted that she had saved some of Walton’s emails. “Who could delete a correspondence with the subject line: ‘Do I Really Have to Wear Long Pants?’ which was written in response to her invitation to recognize Walton as a founding adjunct union president at my opening annual meeting of faculty, administrators, and staff,” she remembers, telling me that “I just could not bear to delete any of his emails.” I shot back an email saying that I bet others had saved Richard’s emails, too, then asking her that maybe we should do an e-book? That was the beginning of our editorial project.

Walton’s 91-page e-book is comprised of electronic correspondence shared by many of his friends and colleagues. Being a brilliant writer and an observer of life, Walton covered topics as diverse as progressive issues on the topic of homelessness (spending Christmas at Amos House), the Rhode Island governor’s race, national politics, education and women’s rights. He jumped into giving his two cents about the Lion’s Head, his favorite New York hangout, as well as boxing and baseball, and even his views on religion.

In one of my favorite emails in our e-book, Walton shared his great admiration for the great first baseman, Hank Greenberg of the Detroit Tigers. His love for this Jewish baseball player began as a small child when he grew up in Providence listening to the game on the radio with his grandfather during an era of rampant anti-Semitism and racism. Even at the ripe old age of 72, the seasoned journalist wrote a powerful Op Ed in The Providence Journal about Greenberg after reading a four-star review of the movie, “The Live and Times of Hank Greenberg.” He even admitted that he shed tears over “a long-dead baseball player,” this giving me a glimpse into how Walton as a young man would not accept the bigotry of his time and who would later turn his attention and tireless energy to fighting against society’s ignorance and indifference to the less fortunate.

As to other e correspondences…

On his career choices: Walton admitted, “I did turn down a job as an NBC News correspondent because I refused to shave my beard.”
On the fact that at age 79 he traveled to Shanghai to teach children, he quipped, “It might turn up in a game of Trivial Pursuit some day.”
On his losing battle with leukemia, Walton noted, “I’m going on a great adventure.”

The Life and Times of Richard Walton

With his prominent long white beard and his red bandana, decked out in blue jean overalls and wearing a baseball cap, Walton, who passed in 2012 at the age of 84, was a well-known figure on the Rhode Island scene. In the early ’80s, he ran as the Citizen’s Party vice presidential candidate. Later, he became an early member of the Green Party. At Rhode Island College, where he taught English for more than 25 years, he ran a successful campaign to unionize adjunct faculty, serving as the union’s first president. With his death, RIC President Carriuolo called for lowering the flags on campus to half-staff in his memory.

Born in Saratoga Springs, New York, Walton grew up in South Providence in the 1930s, graduating from Classical High School in 1945. After taking a two-year break from his studies at Brown University to serve as a journalist mate in the U.S. Navy, he returned to receive a bachelor’s degree in 1951. He whet his appetite for music by working as disc jockey at Providence radio station WICE before enrolling in Columbia University School of Journalism where he later earned a master’s in journalism degree in 1955.

Walton’s training at Brown and Columbia propelled him into a writing career. During his early years he worked as a reporter at The Providence Journal, and the New York World Telegram and Sun. At Voice of America in Washington, D.C., Walton initially put in time reporting on African issues, ultimately being assigned to cover the United Nations.

The prolific writer would eventually publish 12 books, nine being written as critical assessments of U.S. foreign policy. As a freelance writer in the late 1960s, he made his living by writing for The Nation, The New York Times, The Washington Post, Chicago Tribune, Village Voice, Newsday, The [old] New Republic, Cosmopolitan, even Playboy.

A self-described “peacenik,” the journalist was known not only for his political views, but also for his charity and volunteer work with such fixtures as the Amos House homeless shelter, The George Wiley Center, grassroots agency that works to alleviate problems associated with poverty and the musical venue Stone Soup Coffeehouse. In fact, for many years he used his birthday party to host a highly regarded and well-attended annual fundraiser to support Rhode Island’s homeless community.

I know that throughout his life, Richard Walton served as a role model for generations of activists, watching out and protecting Rhode Island’s voiceless citizens, showing all that positive societal changes could be made through sound arguments.

E-Book Allows Us to Re-Experience Walton

While we can no longer see our friend, Richard Walton, in our daily travels, his essence, keen observations and thoughts about our wonderful world can be found in his e-writings. As stated in my afterword in Walton’s e-book, “his emails will magically propel you into the distant past, when he stood among us, allowing us to easily remember our own philosophical banters and discussions with him, even giving us the opportunity to re-experiencing his sharp wit, humor and his humbleness.”

“While so painful to admit that he is no longer here, his beautiful and thoughtful and provocative writings to his family and friends make him come alive once again to us. Just close your eyes after you read the emails in our e-book. I am sure you will once again feel his energy and essence.”

For more details about RIC’s reception to honor Walton or contribute to dedicate a room in his honor, contact Paul Brooks at (401) 456-8810. Donations should be made to the RIC Foundation with the notation: Richard Walton.

March 7, 2014March 7, 2014

The wage gap for older women, in Rhode Island and nationally

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Following on the heels of a Government Accountability Office (GAO) report released last week, the U.S. Senate Special Committee on Aging held a hearing to put a Congressional spotlight on the alarming increase of older Americans becoming impoverished. The GAO policy analysts concluded that a growing number of the nation’s elderly, especially women and minorities, could fall into poverty due to lower incomes associated with declining marriage rates and the higher living expenses that individuals bear.

As many as 48 percent of older Americans live in or on the edge of poverty.

“While many gains have been made over the years to reduce poverty, too many seniors still can’t afford basic necessities such as food, shelter and medicines,” said Aging Committee Chairman Bill Nelson (D-FL).

Policy experts told Senate lawmakers on Wednesday that millions of seniors have been spared from abject poverty thanks to federal programs such as Social Security, Medicaid, Medicare, SSI, and food stamps. The testimony contrasted with the picture painted by House Budget Committee Chairman Paul Ryan (R-WI) earlier this week, who produced a report that labeled the federal government’s five-decade long war on poverty a failure.

Appearing before the U.S. Senate Special Committee on Aging, Patricia Neuman, a senior vice president at the Henry J. Kaiser Family Foundation, stressed the importance of federal anti-poverty programs.

“Between 1966 and 2011, the share of seniors living in poverty fell from more than 28 percent to about 9 percent, with the steepest drop occurring in the decade immediately following the start of the Medicare program,” said Neuman. “The introduction of Medicare, coupled with Social Security, played a key role in lifting seniors out of poverty.”

Neuman’s remarks were echoed by Joan Entmacher of the National Women’s Law Center, who credited food stamps, unemployment insurance and Meals on Wheels, along with Social Security, for dramatically reducing poverty among seniors.

The report was highly critical of many programs designed to help the poor and elderly saying they contribute to the “poverty trap.” Ryan and other House lawmakers have long proposed capping federal spending and turning Medicaid, food stamps and a host of other programs for the poor into state block grants.

Older Women and Pension Benefits

GAO’s Barbara Bovbjerg also brought her views to the Senate Select Committee on Aging hearing. Managing Director of Education, Workforce, and Income Security Issues, she testified that the trends in marriage, work, and pension benefits have impacted the retirement incomes of older Americans.

Over the last five decades the composition of the American household has changed dramatically, stated Bovbjerg, noting that the proportion of unmarried individuals has increased steadily as couples have chosen to marry at ever-later ages and as divorce rates have risen.

“This is important because Social Security is not only available to workers but also to spouses and survivors. The decline in marriage and the concomitant rise in single parenthood have been more pronounced among low-income, less educated individuals and some minorities,” she says.

As marriage and workforce patterns changed, so has the nation’s retirement system, adds Bovbjerg. Since 1990, employers have increasingly turned away from traditional defined benefit pensions to defined contribution plans, such as 401(k)s, she says, this ultimately shifting risk to individual employees and making it more likely they will receive lump sum benefits rather than annuities.

These trends have affected retirement incomes, especially for women and minorities, says Bovbjerg, that is fewer women today receive Social Security spousal and survivor benefits than in the past; most qualify for benefits on their own work history. While this shift may be positive, especially for those women with higher incomes, unmarried elderly women with low levels of lifetime earnings are expected to get less from Social Security than any other demographic group.

According to Bovbjerg, these trends have also affected household savings Married households are more likely to have retirement savings, but the majority of single-headed households have none. Obviously, single parents in particular tend to have fewer resources available to save for retirement during their working years. With Defined Contribution pension plans becoming the norm for most, and with significant numbers not having these benefits, older Americans may well have to rely increasingly on Social Security as their primary or perhaps only source of retirement income.

Inside the Ocean State

Although the GAO report findings acknowledge a gender-based wage gap that pushes older woman into poverty, Maureen Maigret, policy consultant for the Senior Agenda Coalition of Rhode Island and Coordinator of the Rhode Island Older Woman’s Policy Group, observes that this inequity has been around since the 1970s when she chaired a legislative commission studying pay equity. “Progress in closing the gender wage gap has stagnated since 2000 with the wage ratio hovering around 76.5 percent,” she said.

GAO’s recent findings on gender based differences in poverty rates are consistent with what Maigret found researching the issue for the Women’s Fund of Rhode Island in 2010. She found that some of the differences in the Ocean State can be attributed to the fact that older women are far less likely to be married than older men. Almost three times as many older women are widowed when compared to men.

Maigret says that her research revealed that older women in Rhode Island are also less likely to live in family households and almost twice as likely as older men to live alone. Of those older women living alone or with non family members an estimated one out of five was living in poverty. For Rhode Island older women in non-family households living alone, estimated median income in 2009 was 85% that of male non-family householders living alone ($18,375 vs. $21,540).

Finally, Maigret’s report findings indicate that aound 11.3 percent of older Rhode Island women were living below the federal poverty level as compared to 7.3 percent of older men in the state. Older women’s average Social Security benefit was almost 30 percent less than that of older men and their earnings were only 58 percent that of older men’s earnings.

There is no getting around peoples’ fears about outliving their savings becoming a reality if they live long enough,” said AARP Rhode Island State Director Kathleen Connell. “One thing that the latest statistics reveals [including the GAO report] is the critical role Social Security plays when it comes to the ability of many seniors to meet monthly expenses. Social Security keeps about 38 percent of Rhode Islanders age 65 and older out of poverty, according to a new study from the AARP Public Policy Institute.”

“Nationally, figures jump off the page,” Connell added. “Without Social Security benefits, 44.4 percent of elderly Americans would have incomes below the official poverty line; all else being equal; with Social Security benefits, only 9.1 percent do, she says, noting that these benefits lift 15.3 million elderly Americans — including 9.0 million women — above the poverty line.”

“Just over 50 percent of Rhode Islanders age 65 and older rely on Social Security for at least half of their family income—and nearly 24 percent rely on Social Security for 90 percent of their family income” states Connell.

“Seniors trying to meet the increasing cost of utilities, prescription drugs and groceries would be desperate without monthly Social Security benefits they worked hard for and planned on. As buying power decreases, protecting Social Security becomes more important than ever. Older people know this; younger people should be aware of it and become more active in saving for retirement. Members of Congress need to remain aware of this as well,” adds Connell.

Kate Brewster, Executive Director of Rhode Island’s The Economic Progress Institute, agrees with Maigret that older women in Rhode Island are already at greater risk of poverty and economic security than older men.

“This [GAO] report highlights several trends that make it increasingly important to improve women’s earnings today so that they are economically secure in retirement. Among the ‘policy to-do list’ is shrinking the wage gap, eliminating occupational segregation, and raising the minimum wage. State and federal proposals to increase the minimum wage to $10.10 would benefit more women than men, demonstrating the importance of this debate to women’s economic security today and tomorrow.”

House Speaker Gordon Fox is proud that the General Assembly in the last two legislation sessions voted to raise minimum wage to its current level of $8 per hour. That puts Rhode Island at the same level as neighboring Massachusetts, and we far surpass the federal minimum wage of $7.25, he said. He says he will carefully consider legislation that has been introduced to once again boost the minimum wage.

“Bridging this gap is not only the right thing to do to ensure that women are on the same financial footing as men, but it also makes economic sense”, says Rep. David N. Cicilline.

At the federal level, the Democratic Congressman has supported the ‘When Women Succeed, America Succeeds’ economic agenda that would address issues like the minimum wage, paycheck fairness, and access to quality and affordable child care. “Tackling these issues is a step toward helping women save and earn a secure retirement, but we also have to ensure individuals have a safety net so they can live with dignity in their retirement years,” says Cicilline.

With Republican Congressman Ryan in a GOP-controlled House, captured by the Tea Party, leading the charge to dismantle the federal government’s 50 year war on poverty, the casualties of this ideological skirmish if he succeeds will be America’s seniors. Cutting the safety net that these programs created will make economic insecurity in your older years a very common occurrence.
Herb Weiss, LRI ’12, is a Pawtucket writer who covers aging, health care and medical issues. He can be contacted at hweissri@aol.com.

February 4, 2014February 5, 2014

Raising the minimum wage creates partisan divide

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Last week in his State of the Union address, President Barack Obama called on both Chambers of Congress to either work with him to move the country forward or forcing him to use his presidential powers to enact policy.

He rattled off dozens of policy initiatives for Congress to consider this session, including immigration, emergency unemployment, manufacturing, trade, environment, education, closing Guantanamo Bay, closing tax loop holes, job training, family policies, and retirement savings. But the President also called for an increase in the nation’s minimum wage to provide America’s worker’s a living wage.

The president used his speech as a very visible bully pulpit to call on states to not wait for Congressional action to give people a living wage.

Although creating jobs will be one of the top campaign issues that must be addressed by the state’s gubernatorial candidates (Clay Pell was not available for comment by press time), look for the minimum wage issue to pop up for political discussion with the Democratic and Republican views being like two sides of a coin.

When he announced his bid for governor, Mayor Taveras he told his supporters that increasing the minimum wage is a step in building an economy that supports higher paying jobs, puts people back to work and gives Rhode Island families the opportunity for a better life. There was a time when his mother worked at the minimum wage to support three children so he knows firsthand how much raising it can help a family, he stated. He is also pushing for statewide universal pre-kindergarten.

Tarveras quoted from a recent study by the Economic Policy Institute that indicated that increasing the minimum wage to $10.10 an hour would increase the wages of 65,000 Rhode Island workers and indirectly benefit an additional 26,000 more, totaling nearly 20 percent of the work force. He cited another study that found that moving to a higher wage would boost the national economy by as much as $22.1 billion, creating as many as 85,000 new jobs.”

“I’m a Democrat who believes in raising the minimum wage and indexing it with regular cost of living adjustments,” noted Treasurer Gina Raimondo, in her announcement to run for Governor at Hope Artiste Village in Pawtucket.

According to Eric Hyers, Gina Raimondo’s Campaign Manager, “Gina strongly believes that we need to increase the minimum wage and she was pleased to see President Obama call for increasing the minimum wage to $10.10 an hour during the State of the Union this week. No one who works full time should live in poverty. As the President said, it is time to give America a raise.”

“But let’s not wait for a dysfunctional Congress to act; we can take action right here in Rhode Island,” Hyers said.

“Gina is calling for us to take action on this now and raise the minimum wage to $10.10 by 2015 and then index it to the cost of living so that politicians can’t play games with people’s lives. Two-thirds of minimum wage earners are women so a raise would immediately help women across Rhode Island and their families, adds Hyer, noting that people are really struggling and there is an urgency to help out working families.

Meanwhile, “Clay [Pell] is in favor of increasing the minimum wage to $10.10 per hour and does not see a reason to delay this matter until 2018 or 2015. He would be in favor of the General Assembly passing legislation this year. Too many Rhode Islanders are working in jobs at wages that are simply insufficient and no individual who works a full time job should have to raise their family in poverty. There’s an economic development aspect to this as well, by raising the minimum wage we’re putting more purchasing power out there, which will help spur the economy,” said Bill Fischer, Pell’s spokesperson.

General Contractor Todd Giroux, a Bristol resident who seeks the Democratic nomination for Governor, sees the national conversation of increasing the minimum wage as shifting towards that of providing America’s workers with living wage. According to Giroux, President Obama’s call for a national minimum wage increase for federal contractors increases the “momentum for main street people to call upon elected leaders to represent their needs in jobs and wage security.”

Beginning May 2014, Giroux proposes the $ 8.00 minimum wage to be called a provisional starting wage for new hires for the first two weeks of employment. This hourly rate would increase to $ 9.11 after their second week. On January 2015, the provisional starting wage would be $ 8.75 for the first two weeks of employment, increasing to $10 per hour after their second week. Full-time, part-time and seasonal workers would be eligible for this salary increase.

Giroux believes the only way to effect a livable wage is to lower a person’s tax burden and increase the state’s mandated minimum wage. ” The Public Utilities Commissions’ thirty percent increase in the cost of utilities, combined with rising fuel, housing expenses and food work against any [political] argument on increasing the minimum wage,“ Giroux says.

But the Rhode Island’s GOP candidates, Cranston Mayor Allan Fung and businessman Ken Block, are not buying the Democratic candidate’s solution that minimum wage is the way to go.

“Democrats continue to recycle bad ideas. It’s time we consider some new ones so people have the opportunity to succeed and thrive, and not rely on government coercion to dictate wages. Increasing the minimum wage will result in higher unemployment, reduced job opportunities, reduced customer spending, and will reduce net job growth because of the effect on expanding companies,” says Mayor Fung

Mayor Fung states “At a time when we are tied for the highest unemployment in the country, we cannot put more hurdles in front of the companies we have here in Rhode Island; we need to remove them. Further, Obamacare is already hurting workers because employers are transitioning employees to part time work because they cannot afford the healthcare premiums. An increase in the minimum wage would only increase the burden on small business owners who are already working on thin margins.”

“The real issue in Rhode Island is unemployment and getting our workforce prepared with the necessary skill set for the ever changing workforce. It is quite evident that raising the minimum wage would not solve these problems,” adds Fung.

Block agrees with Fung, noting in a recent statement, “As I said the other day when it was announced that Rhode Island has the worst unemployment in the country, raising the minimum wage is a job killer.”

Block adds, “President Obama seems to believe that government can just order the economy to improve. Republicans and independents know that government has a critically important, but limited role in the growth of jobs. Government’s role is to regulate fairly and only where necessary, and to control its spending so people and businesses are not taxed to death. President Obama continues on the wrong track to fix lagging employment, just as the Democratic leaders of our General Assembly continue on the wrong track to fix Rhode Island.”

Mazze weighs in

But Edward M. Mazze, Distinguished University Professor of Business Administration, at the University of Rhode Island, puts in his two cents into the policy debate, too.

On the one hand, “Raising the minimum wage does not create jobs and can reduce the number of hours worked for existing workers and the number of jobs for part-time workers. There could also be an impact on the number of internships offered to high school and college students. And, just as important, raising the minimum wage will also raise the price of products and services, observes Mazze.

“The minimum wage is not the entry point to middle class, it is the jobs that pay over $20 an hour and have a “career” future, says Mazze, noting that Rhode Island recently increased the minimum wage.

But, Mazze believes that the state’s minimum wage should be adjusted every number of years to keep up with inflation and other economic events. “The best way to create living wages in Rhode Island is to prepare workers for jobs for the future, have an economic development strategy that creates jobs and attracts businesses, and have affordable housing and a fair sales, property and personal income tax program,” he notes.

With the Rhode Island General Assembly geared up to pass legislation to make the Ocean State an easier place to do business, lawmakers should not forget their constituents who cannot pay their mortgage, utility bills, or even put food on their tables. Until the state’s tax and regulatory system primes the economic pump to create more jobs, giving a little bit more money, say $10.10 per hour, will go a long way for tens of thousands of poor or working poor Rhode Islanders who struggle to survive.

How can Rhode Islander’s currently making a weekly paycheck of $320 (minus taxes), receiving a minimum wage, support their families? This is not the American Dream they were brought up to believe in.

Herb Weiss, LRI’12 is a Pawtucket-based writer who covers, aging, health care, medical and business issues. He can be reached at hweissri@aol.com.

January 30, 2014

Oxfam Report: Half of world’s wealth controlled by 1%

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Just a week before the 44th annual gathering of the global elite at World Economic Forum in Davos, Switzerland, Oxford, England-based Oxfam International released a scathing report claiming that global wealth rests in the hands of just a few very rich people.

According to the report released on Jan. 20, co-authored by Ricardo Fuentes-Nieva, Head of Research, Oxfam Great Britain and Nicholas Galasso, Research and Policy Advisor, Oxfam America, 85 of the wealthiest people own the same amount of wealth as the bottom half of the world’s population.

Widening Income Gap Between Wealthy and Poor

Oxfam’s 31 page report, “Working for the Few,” warns that almost half of the world’s wealth concentrated in just one percent of the population, is a real threat to inclusive political and economic systems, and compounds other economic inequalities – such as those between women and men. The authors say, left unchecked, political institutions are undermined and governments overwhelmingly serve the interests of economic elites – to the detriment of the poor and middle class.

Today the gap between the rich and poor has become wider, with the wealth of the one percent richest people in the world amounting to $110 trillion, adds the report, around 65 times the total wealth of the bottom half of the world’s population. In the United States, the wealthiest one percent captured 95 percent of post-financial crisis growth since 2009, while the bottom 90 percent became poorer.

“Without a concerted effort to tackle inequality, the cascade of privilege and of disadvantage will continue down the generations,” warns Oxfam’s Executive Director, Winnie Byanyima, in her statement announcing the release of her group’s report. She leads the world-wide development organization comprised of 17 organizations working in 90 countries to find solutions to poverty and related injustice around the world.

Byanyima, a grass-roots activist, human rights advocate and a world recognized expert on women’s rights, who plans to attend the Davos meeting, observes, “It is staggering that in the 21st Century, half of the world’s population owns no more than tiny elite whose numbers could all sit comfortably in a single train carriage.”

“We cannot hope to win the fight against poverty without tackling inequality. Widening inequality is creating a vicious circle where wealth and power are increasingly concentrated in the hands of a few, leaving the rest of us to fight over crumbs from the top table,” says Bryanyima.

Bryanyima adds, “In developed and developing countries alike, we are increasingly living in a world where the lowest tax rates, the best health and education and the opportunity to influence are being given not just to the rich but also to their children.”

“Without a concerted effort to tackle inequality, the cascade of privilege and of disadvantage will continue down the generations,” states Bryanyima, noting that “We will soon live in a world where equality of opportunity is just a dream.”

Specific policies have widened the income gap between the rich and poor over the last decades, including financial deregulation, tax havens and secrecy, anti-competitive business practice, lower tax rates on high incomes and investments and cuts or underinvestment in public services for the majority. For instance, since the late 1970s, tax rates for the richest have fallen in 29 of the 30 countries for which data are available. In these places the rich not only get more money but also pay less tax on it.

Oxfam’s report calls on those gathered at this week’s World Economic Forum to take tackle inequity by cracking down on financial secrecy and tax dodging, including investing in universal education and healthcare; demand a living wage in all companies, and agreeing a global goal to end extreme inequality in every country.

Inequity in Our Back Yard, Too

Commenting on Oxfam’s report release, Robert B. Reich, former Secretary of Labor under President Bill Clinton who now serves as Chancellor’s Professor of Public Policy at the Goldman School of Public Policy at the University of California, Berkeley, notes that inequality in the United State is not “that far off” from other countries. “Here, the 400 richest Americans have more wealth than the bottom 150 million Americans put together. We’re getting close to a tipping point where inequality undermines our economy (because the vast middle class doesn’t have the purchasing power to keep the economy going), hurts our democracy (because a handful of extremely rich individuals can control politics), and causes most people to feel the dice are loaded against them, he says.

Reich’s award-winning documentary “Inequality for All” — now out on iTunes, DVD, and On Demand — explains the roots of inequality, in the U.S. and around the world. For details, go to http://www.inequalityforall.com.

Kate Brewster, Executive Director of Rhode Island’s The Economic Progress Institute, notes that Oxfam’s report puts the growing problem of inequality on the world stage. “As the experts point out, inequality is not inevitable, but a man made problem that can be tackled with policies that reward everyone for hard work, not just a few,” she says.

“Rhode Island has not escaped this disturbing trend,” states Brewster. According to a report issued by the Center on Budget and Policy Priorities, the Ocean State experienced the 9th largest increase in income inequality in the country between the late 1970s and mid-2000s. During this time the income of the top fifth rose by 99 percent while the bottom fifth grew by only 12 percent, she says.

Legislative Fixes to Reduce Income Gap

Brewster says there are two “two concrete policies” that the Rhode Island General Assembly could enact this legislative session that would immediately boost the income of low-income Rhode Islanders and begin to reverse this trend, specifically increasing the state’s minimum wage and increasing the refund available through the state’s Earned Income Tax Credit. “The latter would not only boost the income of low-wage workers but also bring more equity to a tax structure that has provided significant tax breaks to wealthy individuals and businesses for years,” she says.

Advocate Susan Sweet, a former state official and lobbyist for nonprofit groups, notes that while Rhode Island and the nation don’t have an overwhelming majority of citizens suffering the worst extremes of poverty such as starvation, homelessness and societal abandonment that exists in some other countries, we have our share. We also have a large and expanding underclass of counter culture and underground economy that serves to hurt the cohesiveness of society,” says the Rumford resident.

Sweet worries about the income gap between the poor and wealthy that will happen in years to come because of state policies. “The state took millions away from retired people who are receiving an average of $25,000 a year in their state pension and are in their seventies on average. The state gambled on the Studio 38 boondoggle, sold these risky bonds to unknown parties, and want to pay these gambling debts back to the investors because they have a ‘moral obligation’ to do so. Where is the moral obligation to those who performed their responsibilities by working for the state for many years with the promise of a secure retirement?” she says.

And what does she expect to see coming out of the General Assembly? “This year we will hear rhetoric to raise the absurdly low minimum wage in the nation and in the state, but not enough to give workers a decent living wage; we will hear promises to improve education, while students that have tried to achieve under great odds will be denied high school diplomas while the educational infrastructure remains in place and unchanging; we will be assured that the key to R.I.’s unyielding high unemployment rate has been found – again; and we will continue on the path of inequality.”

Oak Hill resident, Lisa Roseman Beade, an academic tutor who is been active in Progressive causes, says the U.S. has the widest income gap of any developing nation. “’Trickle down economics’ has turned into “vacuum upwards economics”. We need fair wages and fair and equitable taxation rates to circulate the money. That’s what puts people to work and will reduce the widening income gap between the nation’s wealthy and poor. Instead, workers, who have been breaking the bar in productivity year after year, now receive only 1 percent of the record breaking profits.”

Beade calls for keeping corporate dollars out of politics and supports the creation of a single payer healthcare system that would make healthcare a civil right.

She believes that change will only come when “we all stop the scape-goating teachers and workers and public employees and demand that we all have good wages, good benefits and good pensions and by restoring state levels to those pre-1998. If lower taxes create jobs, and taxes have never been lower…where are the jobs?”

“A vibrant, safe and livable community with good community services can only come if everyone earns enough and everyone pays their fair share of taxes. Let’s make paying taxes patriotic again,” says Beade.

A Final Note…

It’s time to hammer out a comprehensive legislative fix to reducing the wide income gap between the Ocean State’s wealthy and poor. Let those declared candidates for Governor come out with detailed briefing papers, unveiling their comprehensive approach to enable Rhode Islanders to finally make a living wage. That is tell the voters how you will close the income gap between the state’s have and have nots. Let the debate begin.

Herb Weiss, LRI ’12, is a writer who covers aging, health care, medical issues and Rhode Island’s political scene.