Monday, April 28, 2014

Replacing State Income Taxes with Bigger Sales Tax on low pay

In these times when many make low wages or had not seen raises in years,
not able to work overtime to make more money.
So they have no money, or their pay stays the same.

In a world of "Fair Tax" Kool-aid the poor tends to see the many states
that are lowering personal and corporate income taxes and raising the sales tax
to make up the loss, as I will have to buy less because I still make the same pay.

It can be best shown in my town being the sales tax is 9.15% and most pay is $8
an hour, $7+ after taxes. Or $1 every 9 min pay!
That kind of points to what we have here. I drive by many places on my way home
on the weekends so I can stay home on the weekend! I don't have no money!

It's just more of a natural selection on the people that want low taxes.
You will have to get the taxes another way! And it won't be from the poor,
being the pay stays the same as the cost goes up.
The poor will lower their spending to match their income.
Really pushing the do without to survive never a good thing!

"middle- and low-income families pay a much higher percentage of their income
on food and medicine than do wealthy individuals, meaning a much harder hit
on their pocket books."

But not said is the cost of food gets moved to a lower cost food to match their income.
Many poor like me will eat nothing but ramen for a week at $2.24 or so per box
at Walmart to compensate for medicine cost and save money due to higher sales tax.

~~~~Why Replacing State Income Taxes with Bigger Sales Taxes Doesn’t Make Sense
In an alarming trend, governors in Louisiana, Nebraska, and North Carolina have proposed
eliminating their state’s personal and corporate income taxes and raising the sales tax to
offset the lost revenue.  These proposals are similar to so-called “FairTax” proposals that
several states have considered and rejected in recent years.
We outlined the problems with those proposals in a 2010 report.

Proponents claim that eliminating income taxes and expanding the sales tax would make
tax systems simpler, fairer, and more business-friendly, with no net revenue loss.
In reality, they would tilt state taxes against middle- and lower-income households
and likely undercut the state’s ability to maintain public services.
Specifically, they would:

    * Raise taxes on the middle class. These proposals would significantly change the
distribution of state taxes:  lower- and middle-income families would pay more, while
businesses and high-income households would pay less.  That’s because repealing the
income tax would disproportionately benefit high-income families
(since they generally face higher tax rates), while a sales tax hike would hit low and middle
income families the hardest (since they pay a bigger share of their incomes in sales tax than
wealthier families do).

    * Require huge sales tax hikes. Income taxes raise 40 percent of states’ tax revenue,
on average  an amount equal to total state spending on highways, prisons, state police,
public hospitals, public health, and parks.  To fully replace the lost revenue, sales tax rates
would have to be markedly higher than they are now, and often higher than proponents claim.

    * Levy those new, higher rates on a much larger number of transactions.
While these proposals vary, many call for examining all exemptions to the sales tax with an
eye to extending the tax to many more goods and services. These could include everything
from food to prescription drugs, child care, and home sales, as well as a range of
business-to-business transactions.  Bringing large numbers of goods and services into
the tax base at the new, significantly higher rates would cause a number of technical,
economic, and political problems.

    * Create an unsustainable spiral of rising rates and widening exemptions.
A large expansion of the sales tax would spark furious efforts to exempt
many purchases from the tax.  But if a state granted such exemptions, it would have to
compensate by raising the sales tax rate even higher. The ultimate result, most likely,
is that the new tax would fail to meet its revenue-neutral promise forcing cuts to
education, transportation, and other essential services to meet state
balanced-budget requirements.

    * Fail to boost state economies. Replacing income taxes with an expanded sales tax
would do little or nothing to improve a state’s business climate or economic performance.
On the contrary, the resulting high sales tax could hurt in-state businesses as residents shift
purchases to neighboring states or the Internet. And if a state had to curtail public services
because the expanded sales tax failed to make up the lost revenue from the eliminated
taxes, these cuts could curtail economic development.

    * Make state revenues much less stable. By making a single tax a state’s sole significant
revenue source rather than the mix of sources now utilized these proposals would deprive
a state of a balanced revenue portfolio and jeopardize its ability to collect enough revenue
for future needs.

Saturday, April 5, 2014

Teachers in the road

Have you ever asked or thought what kind of life does a teacher have?
From my time in school, I had taken for granted Teachers live in houses
because all of my teachers did. It was not until I lived in a small town
and different time that I found out most Teachers live in apartments.
And most have no TV or cable etc. I had a Teacher from way out in
Oklahoma tell me she had a big high dollar TV and because she had 
no time to watch it and just had no money for cable etc, she sold it to 
get money for a Pizza party for her class. 

A Teacher doing that? Yes! 

~~~~The Real Number Of Hours Teachers Work In One Eye-Opening Graphic
When you look at the time teachers actually spend working, you can see that it's
not a cakewalk at all. The next time your city or state wants to cut back on teacher
salaries or hammer their pensions, here's something to show around to folks before
they make a decision.

~~~~Why most productivity tips don't work for teachers
You’re probably familiar with popular productivity and time-management advice like
“Close your door to avoid interruptions,” “Manage your energy, not your time,”
and “Work for 20 minutes followed by  a five-minute break. Repeat.”

Great advice, if you’re not a teacher.

You see, these tips were written for the corporate crowd: entrepreneurs, freelancers,
and upper level management — all professionals with which teachers share traits,
but certainly not schedules or job duties.

Many productivity experts assume a standard seven-hour work day where,
with the right routine and discipline, everything can get done. But, as you know,
teachers’ work days are anything but standard.

So, yeah, run-of-the-mill time-management advice just doesn’t cut it. 
That’s why we decided to do what every excellent teacher does, and adapt 
general productivity advice for the time-challenged teacher.

(Don’t get too excited. We’re pretty sure the 4-Hour Work Week is still a pipe 
dream for teachers.) Some of these tips are for in-class productivity while others
are for before or after-school work, but all will make your days go smoother. 

4 Productivity Tips That Work for Teachers

 #1: Tap into the Zeigarnik effect to build momentum.
You know that powerful (sometimes pesky) feeling that you must finish a project
you started but didn’t have time to complete? That’s the Zeigarnik effect or,
maybe you know it by its more common name: What Every Teacher Everywhere
Experiences Every Day. Its existence compels you to finish what you’ve started.
While the Zeigarnik effect is typically unintentionally triggered
(i.e. you didn’t plan to leave things incomplete), you can purposely tap into its power
to build momentum going into the week and increase your productivity.

It’s simple, really. Choose one or two major projects you need to complete
during the week, and on Sunday night, spend just one hour getting the ball rolling.
Then, with the Zeigarnik effect in your corner, you won’t be able not to finish your
projects as quickly as possible.
This works particularly well with projects like curriculum re-writes, lesson
reflections, and grad school papers, that are important, complex, and have longer
deadlines meaning you could easily put them off until you start getting those
procrastination-induced panic attacks.

#2: Cut classroom clutter.
Researchers at the Princeton University Neuroscience Institute found that too
much visual stimuli, or clutter, inhibits the ability of you (and your students!)
to focus. And what bigger classroom time-trap is there than trying to get your kids
to focus? By taking the time before school starts this year to sell, donate, and
toss things are that are non-functional or no longer relevant, you’ll not only
increase everyone’s focus, but also reclaim those precious minutes you and your
students spend searching for the things you really do need.

#3: Delegate to your students.
Many productivity experts suggest that leaders delegate projects and tasks
to their team. Of course for those in other work environments, their “team” is comprised
of educated, independent, responsible adults, not 35 first graders. But that doesn’t
mean this advice can’t work for teachers, too. Think about those tasks that always
end up slowing down the pace of your lessons: collecting papers, distributing materials,
re-arranging desks for projects, answering the phone when it rings during class.
These are all things that can easily be delegated to your students.
In fact, use delegation as a way to build classroom culture and get student buy-in by
having them apply and even interview for classroom jobs.

#4: Talk to other teachers to find out what really works.
When it’s all said and done, no one understands your situation like other teachers,
which makes them the true productivity experts.