Pay Go, No Go
Alex Tabarrok 
It's not just GM, United Airlines and the Federal government who  have made 
unsustainable promises to current and future retirees.  State and  local 
governments have also been irresponsible, to the tune of perhaps a  trillion 
dollars 
in _unfunded liabilities_ 
(http://www.nytimes.com/2005/12/11/business/yourmoney/11retire.html) . 
For years, governments have been promising generous medical  benefits to 
millions of schoolteachers, firefighters and other employees when  they retire, 
yet experts say that virtually none of these governments have  kept track of 
the 
mounting price tag. The usual practice is to budget for  health care a year 
at a time, and to leave the rest for the future. 
Off the government balance sheets - out of sight and out of  mind - those 
obligations have been ballooning as health care costs have  spiraled and as the 
baby-boom generation has approached retirement. 
...most states and cities have set aside no money to pay for  retiree medical 
benefits. Instead, they use the pay-as-you-go system - paying  for former 
employees out of current revenue.
December 12, 2005 at 07:10 AM in _Economics_ 
(http://www.marginalrevolution.com/marginalrevolution/economics/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/pay_go_no_go.html)
  | _TrackBack 
(0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/pay_go_no_go.html#trackback)
   
My favorite things North Carolina
Tyler Cowen 
1. Jazz musician: Umm...should it be John  Coltrane or Thelonious Monk? 
2. Bluesman: _Reverend Gary Davis_ (http://www.revgarydavis.com/)  remains  
underrated.  Try "Maple Leaf Rag" or "Sally Where'd You Get Your Liquor  From?" 
 For country music -- really just another form of blues -- you have  Earl 
Scruggs and Merle and Doc Watson.  George Clinton did funk. 
3. Female singer-songwriter: Tori Amos,  favorite album _Little Earthquakes_ 
(http://www.amazon.com/exec/obidos/tg/detail/-/B000002IT2/qid=1133964972/sr=2-1
/ref=pd_bbs_b_2_1/102-8441786-3985759?v=glance&s=music/marginalrevol-20) .  
Her most  underrated album is _Strange Little Girls_ 
(http://www.amazon.com/exec/obidos/tg/detail/-/B00005NKYQ/102-8441786-3985759?v=glance/marginalrevol-20)
 
.  Nina  Simone is another good candidate, although she did mostly covers. 
4. Movie, set in: I hate Bull Durham,  so you will have to help me out 
here...Is part of _Sherman's  March_ (http://www.ncflix.blogspot.com/)  set in 
the 
state? 
5. Writer: Thomas Wolfe, _Look Homeward, Angel_ 
(http://www.amazon.com/gp/product/0684804433/qid=1133964931/sr=8-1/ref=pd_bbs_1/102-8441786-3985759?n=507846
&s=books&v=glance/marginalrevol-20) . 
6. Basketball player.  _You-know-who_ 
(http://www.kenston.k12.oh.us/khs/feature_stories/michael_jordan.jpg)  was 
actually born in  Brooklyn, so I say 
Meadowlark Lemon. 
The bottom line: The state is strong on music,  sports, and barbecue. 
December 12, 2005 at 07:05 AM in _The Arts_ 
(http://www.marginalrevolution.com/marginalrevolution/the_arts/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/my_favorite_thi_1.html)
  | _Comments 
(19)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/my_favorite_thi_1.html#comments)
  | _TrackBack (0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/my_favorite_thi_1.html#trackback)
   
How to spend less money
Tyler Cowen 
Jane Galt has _a good list of suggestions_ 
(http://www.janegalt.net/blog/archives/005614.html) , yet I don't follow  them 
all.  When it comes to "don't eat 
out" I receive an _F minus_ (http://www.gmu.edu/jbc/Tyler/19th%20Cowen.htm) . 
 
Arguably I have _excess self-discipline_ 
(http://www.gmu.edu/jbc/Tyler/selfliberation.PDF) , rather than _the opposite 
problem_ 
(http://bps-research-digest.blogspot.com/2005/12/self-discipline-matters-more-than-iq.html)
 .  That  
means I will try to rationalize this spending, rather than apologizing for  it. 
I view dying young as an enormous tragedy.  It would be so,  so, so, bad.  As 
the economist would say, it would not equate marginal  utilities of money 
across different world-states.  It is also very hard to  insure against 
premature 
death.  The life insurance payment would help my  family but it doesn't go to 
poor, lil' dead ol' me. 
Given the imperfection of post-death markets, what else can I  do?  Er...I 
can spend money now.  If I die soon, I had bigger kicks  today.  That is a kind 
of partial compensation for the tragedy; admittedly  I run a greater risk of 
outliving my remaining savings.  (Quick micro quiz:  Do bloggers, by offering 
free fun outputs, raise or lower the savings  rate?)   
Can we find a testable prediction?  Religious  people should save a greater 
fraction of their incomes. 
I don't hold _the view that religious people should be indifferent to  death_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/02/should_theists_.
html) ; presumably they think they are on earth to  fulfill God's plan.  But 
they should have fewer purely  selfish reasons to fear death.  (Good religious 
 people, that is, or at least those who think they are good.)  A weaker  
selfish fear of death means less need to buy insurance against premature  
death.  
The devout should spend less money now. 
Last night we ate at _Zengo's_ (http://www.modernmexican.com/Menus.htm)  -- 
Latin-Asian fusion -- which was  excellent.  Get the hamachi, the empanadas, 
the ribs, and the  arepas. 
December 12, 2005 at 05:26 AM in _Education_ 
(http://www.marginalrevolution.com/marginalrevolution/education/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/how_to_spend_le.html)
  | _Comments 
(16)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/how_to_spend_le.html#comments)
  | _TrackBack (0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/how_to_spend_le.html#trackback)
   
Henry Niman, worrying
Tyler Cowen 

Thus, of the 13 confirmed and 5 excluded [recent Indonesian]  cases, 13 or 
over 72% of these [avian flu] cases were in familial  clusters.

In contrast, only about _1/3 of the cases_ 
(http://www.recombinomics.com/News/02050503/Human_Transmission_One_Third.html)  
in southeast  Asia were from 
familial clusters through the spring of this year.  This  dramatic increase in 
cases from clusters shows that H5N1 is being more  efficiently transmitted and 
this efficiency can also be seen in recent cases  from China, Thailand, and 
Vietnam.
Here is _the longer discussion_ 
(http://www.recombinomics.com/News/12060501/H2H_H5N1_Efficient_Indonesia.html) 
.  Now  "more efficient transmission" need 
not mean human-to-human transmission.   It could mean you catch avian flu more 
readily from the family collection of  birds.  Still, in expected value terms, 
this is not good news.  (You  can ask whether the familial clusters all get 
sick at the same time, or whether  there are lags; the latter implies a greater 
likelihood of human-to-human  transmission.  I have not seen a formal 
treatment of this issue, although  Henry has made various worrying remarks on 
this 
score.) 
Niman is pessimistic, and often makes controversial claims, but  his 
credentials are strong.  Here is an _expert assessment of Niman_ 
(http://effectmeasure.blogspot.com/2005/02/recombinomics-conundrum.html) .   
Here are Henry's 
_periodic updates_ (http://www.recombinomics.com/whats_new.html) . 
Here is Indonesia, _closing a U.S.-run bird flu lab_ 
(http://effectmeasure.blogspot.com/2005/12/pride-and-prejudice-and-bird-flu-in.html)
 ,  just after the 
U.S. promised $10 million more in funding for the lab.  Good  idea. 
Here is a Chinese report: 
Although human cases of bird flu are mounting in China, the  virus here is 
currently stable, not mutating toward a form readily  transmissible among 
humans, a top Chinese government scientist  said.
Not as reassuring as they wanted it to sound.  Here is a  story on _the 
extreme trustworthiness of China_ (http://www.theglobeandmail.com/servlet/st
ory/RTGAM.20051209.wchinaflu1209/BNStory/International/) .
If you missed it the first time around, here is _my policy paper on what we 
should be doing about avian  flu_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/11/my_avian_flu_po.html)
 . 
December 11, 2005 at 07:45 AM in _Medicine_ 
(http://www.marginalrevolution.com/marginalrevolution/medicine/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/henry_niman_wor.html)
  | _Comments 
(2)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/henry_niman_wor.html#comments)
  | _TrackBack (0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/henry_niman_wor.html#trackback)
   
Handbook for Cyber-Dissidents
Alex Tabarrok 
_Reporters without Borders_ (http://www.rsf.org/rubrique.php3?id_rubrique=20) 
 has put together a _Handbook for Bloggers and Cyber-Dissidents_ 
(http://www.rsf.org/rubrique.php3?id_rubrique=542)   explaining such things as 
how to blog 
anonymously.  Contributors to the  book include _Arash Sigarchi_ 
(http://www.rsf.org/article.php3?id_article=15010) , an Iranian blogger who was 
 sentenced 
to 14 years in prison for criticizing the Iranian  regime.

Thanks to Carl Close for the  pointer.
December 11, 2005 at 07:05 AM in _Web/Tech_ 
(http://www.marginalrevolution.com/marginalrevolution/webtech/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/handbook_for_cy.html)
  | _TrackBack 
(0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/handbook_for_cy.html#trackback)
   
Tabarrok on Feldstein on Capital Taxation
Alex Tabarrok 
The plethora of  discount rates and taxes obscures the basic point in 
_Feldstein's argument_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/martin_feldstei.html)
  against  capital taxation.  Here is a bare-bones 
version.

There are three  goods, labor, apples and oranges.  Assume that the 
government taxes oranges  at a higher rate than apples.  A tax on oranges is 
also a tax 
on labor  since you need labor to buy oranges and if the price of oranges is 
high the  value of your labor is low.

Now let's show that a reduction in the orange  tax matched by an increase in 
the labor tax to keep total tax revenues constant  can make everyone better 
off.  The simplest case is to assume a tax on  oranges so high that no one buys 
any oranges.  Orange tax revenue is  therefore zero. Now we get rid of the tax 
on oranges and add an equal-revenue  tax on labor (zero).  So long as the 
consumer cares at all about oranges he  now buys more oranges and is better off 
(because he now consumes a variety of  fruit and has an increased incentive to 
work).  The consumer will still be  better off even if we replace the 
zero-revenue orange tax with a small labor tax  which increases government 
revenues.  
The zero-revenue assumption makes the  argument obvious but is not at all 
necessary for the results.

The basic  point is that the tax on oranges distorts the labor-leisure choice 
and  the apples-oranges choice.  A tax on labor distorts only the 
labor-leisure  choice and so is preferred.
For Feldstein's  argument rename oranges as savings, apples as present 
consumption and labor as  income.  To see a counter-argument introduce more 
people 
into the model and  rename oranges as yachts.   
December 10, 2005 at 09:08 AM in _Economics_ 
(http://www.marginalrevolution.com/marginalrevolution/economics/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/tabarrok_on_fel.html)
  | _TrackBack 
(0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/tabarrok_on_fel.html#trackback)
   
Favorite warning labels
Tyler Cowen 
On grape juice, during Prohibition: 
Caution: May Ferment into  Alcohol.
The harvesting of grapes rose dramatically during this  constitutional 
experiment. 
December 10, 2005 at 07:47 AM in _History_ 
(http://www.marginalrevolution.com/marginalrevolution/history/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/favorite_warnin.html)
  | _TrackBack 
(0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/favorite_warnin.html#trackback)
   
Newspapers as non-profits?
Tyler Cowen 

A newspaper company, like a public  broadcaster, could be organized as a 
not-for-profit, tax-exempt corporation.  It could still sell papers and 
advertising, it could still develop new  Internet revenues, it would still pay 
market 
wages and salaries (or maybe  better), it could re-invest in improving its own 
staff and facilities and  operations, it just couldn't make a profit. And it 
wouldn't pay taxes or  dividends.
Here is _more_ 
(http://www.editorandpublisher.com/eandp/columns/shoptalk_display.jsp?vnu_content_id=1001657297)
 .  As newspaper ads move  to the web, 
draining a key source of revenue, I see a few  options: 
1. Subscription finance with high prices and  few ads.  A bit like the 
Financial Times.  Of course this  means fewer newspapers and fewer newspaper 
pages.  
On the plus side, fewer  articles would continue on other, distant pages.
2. Sleazy tabloids.  But the competition  with the Internet remains.
3. Some clever newspaper coup to take over Web  processing of commercial 
information and leapfrog over ebay and  Craigslist.
4. Web products evolve into customized,  print-on-demand newspapers.  A some 
major newspapers survive by going the  hybrid route, or by merging with their 
web competitors.  "What is a  newspaper?" becomes a question of degree and we 
needn't mourn the lack of pure  newspapers.
5. Non-profits would take in revenue and also  raise donations by selling 
access to social and political networks.  What  would a date with Maureen Dowd 
go 
for?  
6. Extremely partisan, low-cost "rag"  newspapers, akin to 19th century U.S. 
experience, and paid for by  subscription.  Advertisers seek to offend nobody, 
and thus exert a centrist  influence over newspaper content.
I place virtually no weight on option #3.   Comments are open.
December 10, 2005 at 07:12 AM in _Economics_ 
(http://www.marginalrevolution.com/marginalrevolution/economics/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/newspapers_as_n.html)
  | _Comments 
(13)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/newspapers_as_n.html#comments)
  | _TrackBack (0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/newspapers_as_n.html#trackback)
   
Email beats Doorbell
Alex Tabarrok 
I'm sitting at home working on my computer when I get an email  saying that 
UPS just delivered a package to my door.  So I get up, walk  10ft, open the 
door and sure enough there is my package.  We live in a  magical world. 
December 9, 2005 at 03:25 PM in _Web/Tech_ 
(http://www.marginalrevolution.com/marginalrevolution/webtech/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/email_beats_doo_2.html)
  | _TrackBack 
(1)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/email_beats_doo_2.html#trackback)
   
Markets in charity
Tyler Cowen 

'This is our months bill and is owing $126.37. It has been a tough  month and 
we are a bit low on  cash'.




That  is from Wellington, New Zealand, on TradeMe, the Kiwi equivalent of 
ebay.   Bid _here_ 
(http://www.trademe.co.nz/Movies-TV/Other/auction-42313041.htm)  to help out.  
Thanks to  Jason Reid for the pointer. 
December 9, 2005 at 01:41 PM in _Economics_ 
(http://www.marginalrevolution.com/marginalrevolution/economics/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/markets_in_char.html)
  | _Comments 
(0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/markets_in_char.html#comments)
  | _TrackBack (0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/markets_in_char.html#trackback)
   
Levitt and Dubner update
Tyler Cowen 

ABC just signed the pair to a one-year deal for recurring  spots on Good 
Morning America, World News Tonight, and  Nightline, including backing for 
their 
own  documentaries... 
Conventional wisdom says there's more to come. Dubner says,  "We're working 
on another book: 'Superfreakonomics.' "
Here is _the link_ 
(http://pf.fastcompany.com/magazine/100/next-economist.html) .  Elsewhere on 
_www.politicaltheory.info_ 
(http://www.politicaltheory.info/) , here is a piece on _the mathematics of 
Sudoku_ 
(http://www.americanscientist.org/template/AssetDetail/assetid/48550?&print=yes)
 .
December 9, 2005 at 12:57 PM in _Books_ 
(http://www.marginalrevolution.com/marginalrevolution/books/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/levitt_and_dubn.html)
  | _TrackBack (0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/levitt_and_dubn.html
#trackback)   
Martin Feldstein on capital taxation
Tyler Cowen 
Follow these numbers, and the bold face is mine: 
An example will illustrate the harmful effect of  high taxes on the income 
from savings and show how the tax reform could make  taxpayers unambiguously 
better off. Think about someone -- call him Joe -- who  earns an additional 
$1,000. If Joe's marginal tax rate is 35%, he gets to keep  $650. Joe saves 
$100 of 
this for his retirement and spends the rest. If Joe  invests these savings in 
corporate bonds, he receives a return of 6% before  tax and 3.9% after tax. 
With inflation of 2%, the 3.9% after-tax return is  reduced to a real after-tax 
return of only 1.9%. If Joe is now 40 years old,  this 1.9% real rate of 
return implies that the $100 of savings will be worth  $193 in today's prices 
when 
Joe is 75. So Joe's reward for the extra work is  $550 of extra consumption 
now and $193 of extra consumption at age  75. 
But if the tax rate on the income from saving is  reduced to 15% as the tax 
panel recommends, the 6% interest rate would yield  5.1% after tax and 3.1% 
after both tax and inflation. And with a 3.1% real  return, Joe's $100 of extra 
saving would grow to $291 in today's prices  instead of just $193. 
There are two lessons in this example, each of  which identifies a tax 
distortion that wastes potential output and therefore  unnecessarily lowers 
levels 
of real well-being. The first is that a  tax on interest income is effectively 
also a tax on the reward for extra  work, cutting the additional consumption 
at age 75 from $291 to just  $193. Because the high tax rate on interest income 
reduces the reward for work  (as well as the reward for saving), Joe makes 
choices that lower his pretax  earnings -- fewer hours of work, less work 
effort, less investment in skills,  etc. 
The second lesson that follows from the example is  that the tax on interest 
income substantially distorts the level of  future consumption even if Joe 
does not make any change in the amount that he  saves. With the same $100 of 
additional saving, the higher tax rate  reduces his additional retirement 
consumption from $291 to $193, a one-third  reduction. If Joe responds to the 
lower 
real rate of return that results from  the higher tax rate on interest by 
saving 
less, the distortion of consumption  is even greater. For example, if Joe 
would save $150 out of the extra $1,000  of earnings when his real net return 
is 
3.1% (instead of saving $100 when the  real net return is 1.9%), his extra 
consumption at age 75 would be $436, more  than twice as much as with the 35% 
tax 
rate. But the key point is that Joe's  future consumption would be 
substantially reduced by the higher tax rate even  if he does not change his 
savings. 
Taken together, these two lessons imply that  a lower tax rate on interest 
income, combined with a small increase in  the tax on other earnings, could 
make 
Joe unambiguously better off while also  increasing government revenue. More 
specifically, if reducing the tax  on interest income from 35% to 15% had no 
effect on Joe's earnings or on his  initial consumption spending, the 
government could collect the same present  value of tax revenue from Joe by 
raising the 
tax on his $1,000 of extra  earnings from $350 to $385. Although this would 
cut Joe's saving from $100 to  $65 (if he keeps his initial consumption 
spending unchanged), the higher net  return on that saving would give Joe the 
same 
consumption at age 75. In this  way, Joe would be neither better off nor worse 
off.

But experience shows that Joe would alter his  behavior in response to the 
lower tax rate. He would earn more at age 40 and  would save more for 
retirement. This change of behavior makes Joe better off  (or he wouldn't do 
it) and the 
extra earnings and interest income would raise  government revenue above what 
it would be with a 35% tax rate. So Joe would be  unambiguously better off 
with the lower tax rate on interest income and the  government would collect 
more tax revenue.
Here is _the link_ 
(http://online.wsj.com/article/SB113400654429916967.html?mod=opinion_main_commentaries)
 .  Elsewhere from  The Wall Street Journal, here 
is _a piece on bargaining theory_ 
(http://online.wsj.com/public/article/SB113279169439805647-aFLWyiV_uhnOoyh8YYQClQ1GIOs_20061208.html)
 ,  thanks to Chris 
Masse for the pointer. 
December 9, 2005 at 07:23 AM in _Economics_ 
(http://www.marginalrevolution.com/marginalrevolution/economics/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/martin_feldstei.html)
  | _Comments 
(30)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/martin_feldstei.html#comments)
  | _TrackBack (2)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/martin_feldstei.html#trackback)
   
Stocking stuffers
Tyler Cowen 
_Infrastructure: A Guide to the Industrial  Landscape_ 
(http://www.amazon.com/gp/product/handle-buy-box/ref=dp_start-buy-box-form_1/102-8441786-3985759/marg
inalrevol-20) .  A picture book for those who love  Duisburg, Gary, Indiana, 
and the Pulaski Skyway.   Addendum: Here is _a working link to Infrastructure_ 
(http://www.amazon.com/gp/product/0393059979/qid=1134219438/sr=8-1/ref=pd_bbs_
1/002-9986706-1372017?n=507846&s=books&v=glance) . 
_Murderball_ 
(http://www.amazon.com/gp/product/B000B5XP24/qid=1134054314/sr=8-1/ref=pd_bbs_1/102-8441786-3985759?n=507846&s=dvd&v=glance/marginalrevol-20)
 
, just out on DVD.   I know, some of you thought "I don't want to see a movie 
about cripples."   That was a mistake of instrumental reason. 
Seu Jorge, _The Life Aquatic Studio Sessions_ 
(http://www.amazon.com/exec/obidos/tg/detail/-/B000BRD6T4/qid=1134132157/sr=8-1/ref=pd_bbs_1/002-9986706-13720
17?v=glance&s=music&n=507846/marginalrevol-20) .  David Bowie songs on 
acoustic guitar, sung in Portuguese, not  just the cuts from the movie. 
December 9, 2005 at 07:06 AM in _The Arts_ 
(http://www.marginalrevolution.com/marginalrevolution/the_arts/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/stocking_stuffe.html)
  | _Comments 
(3)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/stocking_stuffe.html#comments)
  | _TrackBack (0)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/stocking_stuffe.html#trackback)
   
Austan Goolsbee is smart
Tyler Cowen 
Try _this_ (http://www.slate.com/id/2131897/) : 
The evidence shows that companies are particularly likely to  raise prices 
when the government is footing the bill. Economists Mark Duggan  at the 
University of Maryland and Fiona Scott Morton at Yale studied the  prices of 
the top 
200 drugs in the United States from 1997 to 2002. They found  that drug makers 
gamed the government procurement rules that forbid companies  from billing 
Medicaid more for a drug than they bill private consumers. When  private-sector 
demand for a drug is small compared with the demand of Medicaid  patients (as 
is the case, for example, with antipsychotics), drug companies  massively 
inflate the price of the drug for private buyers. Sure, they lose  some 
business 
from that part of the market. But they more than make up for  that loss by 
being 
able to bill the government at a vastly higher price for  the Medicaid 
patients.
And this: 
As the moral-hazard problem for medical expenses becomes a  corporate rather 
than individual matter, the solution that economists  currently favor—Health 
Savings Accounts—will fail to rein in costs. The HSAs  won't fix things because 
they change the incentives of individuals, not  companies. Indeed, as more 
people get HSAs, we may very well see the companies  raise prices even further 
to capture the tax-free savings in people's  accounts. That would be exactly 
analogous to what has happened with "529"  college savings programs. In 2001, 
Congress passed a tax break for college  savings accounts. _As I wrote  three 
years ago_ (http://www.slate.com/id/2070062/) , the plans were "supposed to be 
an  enormous federal tax subsidy for education." But the small number of 
financial  firms that are approved to manage the 529 accounts have basically 
captured  that subsidy by raising their investment fees to levels well above 
those in 
 the regular investment market.
I believe the argument, although it remains a puzzle why these  markets do 
not behave in a more competitive fashion... 
December 8, 2005 at 10:56 PM in _Medicine_ 
(http://www.marginalrevolution.com/marginalrevolution/medicine/index.html)  | 
_Permalink_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/austin_goolsbee.html)
  | _Comments 
(12)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/austin_goolsbee.html#comments)
  | _TrackBack (1)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/austin_goolsbee.html#trackback)
   
Three new constitutional amendments
Tyler Cowen 
The Cato blogad at the right, and _Jim Buchanan's new essay_ 
(http://www.cato-unbound.org/2005/12/05/james-m-buchanan/three-amendments/) , 
ask what  three 
amendments you would pick for the American Constitution.  _Will Wilkinson_ 
(http://www.willwilkinson.net/flybottle/archives/2005/12/cato_unbound_un.html)  
suggests an  amendment to ban interference with voluntary exchange. 
Sadly, I am unable to come up with good candidates.  I have  plenty of ideas, 
such an amendment to forbid tariffs and quotas on foreign goods  and services 
(would it cover health and safety concerns?  Would we be  assured of 
non-pasteurized French  cheeses?).  But I worry the  amendments would place too 
much 
weight on the Constitution.  It is easy to  ignore a Constitution or to 
overturn it altogether. 
Libertarians (and contractarians) often treat the Constitution  as a kind of 
free variable to be manipulated.  We can write into it what we  want, and if 
we fail we treat this as a kind of lament, or a sign of moral  decay, rather 
than a problem with our basic approach.  In my view, if a  constitution 
deviates 
from popular opinion (or is it the prevailing structure of  interest groups?) 
by any more than "k" percent, that constitution will be  chucked.  
Furthermore changing your constitution too much, or ignoring it  too blatantly, 
is 
costly in terms of long-run political order.  I view this  as a constraint to 
be 
satisfied by political thinking, even though we can (and  should) criticize 
that 
constraint at a meta-level. 
That is why my three amendments would have to be modest.   Free trade might 
stick as an amendment, especially if we added  a national security clause.  The 
Finns didn't get very far with a  supermajority requirement for fiscal 
policy.  I don't see "procedural"  approaches, such as term limits, as yielding 
much 
gain.  But local  municipalities should not be allowed very strict 
anti-barbecue codes; I don't  care what they do with the smoke.  Nor should 
commuters be 
forbidden from  driving on side roads during rush hour, just because the 
homeowners don't like  it. 
Here is _one relevant critique of Buchanan_ 
(http://positiveliberty.com/2005/12/why-buchanan’s-generality-requirement-won’t-work.html)
 .  Surely you 
all have better ideas for three constitutional  amendments; comments are open. 
December 8, 2005 at 07:23 AM in _Law_ 
(http://www.marginalrevolution.com/marginalrevolution/law/index.html) , 
_Political Science_ 
(http://www.marginalrevolution.com/marginalrevolution/political_science/index.html)
  | _Permalink_ 
(http://www.marginalrevolution.com/ma
rginalrevolution/2005/12/three_new_const.html)  | _Comments (47)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/three_new_const.html#comments)
  | _TrackBack (1)_ 
(http://www.marginalrevolution.com/marginalrevolution/2005/12/three_new_const.html#trackback)
   
Should Christmas be more commercial?
Tyler Cowen 
Sometimes a bracing Randian approach is needed.  _Leonard Peikoff writes_ 
(http://www.capmag.com/articlePrint.asp?ID=2254) : 
Christmas in America is an exuberant display of human  ingenuity, capitalist 
productivity, and the enjoyment of life. Yet all of  these are castigated as 
"materialistic"; the real meaning of the holiday, we  are told, is assorted 
Nativity tales and altruist injunctions (e.g., love thy  neighbor) that no one 
takes seriously.

In fact, Christmas as we  celebrate it today is a 19th-century American 
invention. The freedom and  prosperity of post-Civil War America created the 
happiest nation in history.  The result was the desire to celebrate, to revel 
in the 
goods and pleasures of  life on earth. Christmas (which was not a federal 
holiday until 1870) became  the leading American outlet for this feeling.

Historically, people have  always celebrated the winter solstice as the time 
when the days begin to  lengthen, indicating the earth's return to life. 
Ancient Romans feasted and  reveled during the festival of Saturnalia. Early 
Christians condemned these  Roman celebrations -- they were waiting for the end 
of 
the world and had only  scorn for earthly pleasures. By the fourth century, the 
pagans were  worshipping the god of the sun on December 25, and the 
Christians came to a  decision: if you can't stop 'em, join 'em. They claimed 
(contrary 
to known  fact) that the date was Jesus' birthday, and usurped the solstice 
holiday for  their Church... 
Then came the major developments of 19th-century capitalism:  
industrialization, urbanization, the triumph of science -- all of it leading  
to easy 
transportation, efficient mail delivery, the widespread publishing of  books 
and 
magazines, new inventions making life comfortable and exciting, and  the rise 
of 
entrepreneurs who understood that the way to make a profit was to  produce 
something good and sell it to a mass market.

For the first  time, the giving of gifts became a major feature of Christmas. 
Early  Christians denounced gift-giving as a Roman practice, and Puritans 
called it  diabolical. But Americans were not to be deterred. Thanks to 
capitalism, there  was enough wealth to make gifts possible, a great productive 
apparatus to  advertise them and make them available cheaply, and a country so 
content that  men wanted to reach out to their friends and express their 
enjoyment 
of life.  The whole country took with glee to giving gifts on an unprecedented  
scale.

Santa Claus is a thoroughly American invention. There was a St.  Nicholas 
long ago and a feeble holiday connected with him (on December 5). In  1822, an 
American named Clement Clarke Moore wrote a poem about a visit from  St. Nick. 
It was Moore (and a few other New Yorkers) who invented St. Nick's  physical 
appearance and personality, came up with the idea that Santa travels  on 
Christmas Eve in a sleigh pulled by reindeer, comes down the chimney,  stuffs 
toys in 
the kids' stockings, then goes back to the North  Pole.

Of course, the Puritans denounced Santa as the Anti-Christ,  because he 
pushed Jesus to the background. Furthermore, Santa implicitly  rejected the 
whole 
Christian ethics. He did not denounce the rich and demand  that they give 
everything to the poor; on the contrary, he gave gifts to rich  and poor 
children 
alike. Nor is Santa a champion of Christian mercy or  unconditional love. On 
the contrary, he is for justice -- Santa gives only to  good children, not to 
bad ones.

All the best customs of Christmas, from  carols to trees to spectacular 
decorations, have their root in pagan ideas and  practices. These customs were 
greatly amplified by American culture, as the  product of reason, science, 
business, worldliness, and egoism, i.e., the  pursuit of happiness.
OK, some of that is over the top and some of the history  is a wee bit false. 
 Many Christians place greater stress on Easter.   Still, I should start a 
new title: "Bracing but Required Randian Shocks, A  Continuing Series."   
Thanks to _www.politicaltheory.info_ (http://www.politicaltheory.info/)  for 
the  pointer.
 
____________________________________
 YAHOO! GROUPS LINKS 
    *   the _Yahoo! Terms of  Service_ (http://docs.yahoo.com/info/terms/) . 

 
____________________________________




[Non-text portions of this message have been removed]



------------------------ Yahoo! Groups Sponsor --------------------~--> 
1.2 million kids a year are victims of human trafficking. Stop slavery.
http://us.click.yahoo.com/U6CDDD/izNLAA/cUmLAA/KlSolB/TM
--------------------------------------------------------------------~-> 

ForumWebSiteAt  http://groups.yahoo.com/group/Libertarian  
Yahoo! Groups Links

<*> To visit your group on the web, go to:
    http://groups.yahoo.com/group/Libertarian/

<*> To unsubscribe from this group, send an email to:
    [EMAIL PROTECTED]

<*> Your use of Yahoo! Groups is subject to:
    http://docs.yahoo.com/info/terms/
 


Reply via email to