Tag Archives: life

Here’s an Interesting Twist on Social Security That Might Be Worth Trying

Mother Jones

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Via Matt Yglesias, here’s a fascinating little study in behavioral economics. It involves Social Security, which currently allows you to retire at age 62, but offers you a higher monthly payment if you retire later. For example, if you retire at 62, your monthly benefit might be $1,500, but if you delay a year, your monthly benefit might go up to $1,600. Given average lifespans, the total payout works out the same in both scenarios.

But what if you offered retirees a different deal? What if, instead of a higher monthly benefit, you offered them a lump sum payout if they delayed retirement? In the example above, if you delay retirement to 63, you’ll still get $1,500 per month, but you’d also get a $20,000 lump sum payout. Delay to age 70 and you’d get a lump sum of nearly $200,000. How do people respond to that?

It turns out that they delay retirement—or they say they would on a survey, anyway. Under the current scenario, people say they’d retire at 45 months past age 62, or 65 years and 9 months. Under the lump sum scenario, the average retirement age is about five months later. (A third scenario with a delayed lump sum payout motivates people to retire even later.)

Would people do this in real life if they were offered these options? Maybe. And it would probably be a good thing, as Yglesias explains:

Since the benefits would be actuarially fair, this would not save the government any money. But since people would be working longer, the overall size of the economy and the tax base would be larger. That extends the life of the Social Security Trust Fund, and helps delay the moment at which benefit cuts or tax increases are necessary. The overall scale of the change is not enormous, but it’s distinctly positive and it’s hard to see what the downside would be.

This is hardly the highest priority on anybody’s wish list, but it’s an intriguing study. And it would certainly be easy to implement. Maybe it’s worth a try.

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Here’s an Interesting Twist on Social Security That Might Be Worth Trying

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Car Emissions vs. Car Crashes: Which One Is Deadlier?

Mother Jones

This story originally appeared in CityLab and is republished here as part of the Climate Desk collaboration.

The ever-thought-provoking David Levinson posed a question at his Transportationist blog earlier this week that’s worth a longer look: Are you more likely to die from being in a car crash or from breathing in car emissions? If your gut reaction is like mine, then you’ve already answered in favor of crashes. But when you really crunch the numbers, the question not only becomes tougher to answer, it raises important new questions of its own.

First, let’s look at US traffic fatalities at the national level. For consistency with the pollution statistics (more on that in a moment), we’ll focus on 2005. That year, there were 43,510 traffic crash fatalities in the United States, according to the National Highway Traffic Safety Administration. That’s a fatality rate of roughly 14.7 per 100,000 Americans.

Now we turn to deaths attributable to air pollution—more specifically, to particulate matter produced by cars. A research team led by Fabio Caiazzo of MIT, who appears from his university profile to be an actual rocket scientist, recently quantified the impact of air pollution and premature death in the United States for the year 2005. They reported that about 52,800 deaths were attributable to particulate matter from road transportation alone. (Road pollution had the largest share of any individual pollution sector, at around a quarter of all emissions-related deaths.) That’s a mortality rate of roughly 17.9 per 100,000 Americans.

Straight fatality figures make a strong case that car emissions are deadlier than car crashes.

By that estimate, road-related particulate matter was responsible for about 19 percent more deaths, nationwide, than car crashes were in 2005. And keep in mind that particulate matter isn’t the only air pollutant produced by cars (though it is the most significant type). Caiazzo and company attribute another 5,250 annual deaths to road-related ozone concentrations, for instance. In other words, the true health impact of auto emissions may be much greater.

At the city level, this broad conclusion remains the same. Here are the mortality totals and rates attributable to road-related particulate matter in five major metro areas tracked by Caiazzo and colleagues: New York (3,615 / 28.5), Los Angeles (2,092 / 23.3), Chicago (1,379 / 28.4), Dallas (374 / 23.2), Washington, D.C. (533 / 28.6). The rates are well over 20 per 100,000 people in all five places.

Now here are the fatality totals and rates from car crashes in the same five metros, via the Center for Disease Control and Prevention. Granted, these figures are from 2009 instead of 2005, but even taking that inconsistency into account, the difference is striking: New York (986 / 5.1), Los Angeles (848 / 6.6), Chicago (565 / 5.9), Dallas (611 / 9.8), Washington, D.C. (408 / 7.5). In no case does the fatality rate even reach double digits.

These straight fatality figures make a strong case that car emissions are deadlier than car crashes at both the national and major metro levels. But death is only one measure of these health impacts. Age of death matters, too, especially since younger people tend to be involved in fatal car crashes. In 2012, for instance, about 55 percent of the people who suffered motor fatalities were under age 45. Caiazzo et al. report that emissions tend to cut lives short about 12 years, whereas crashes cut them short about 35 years.

Levinson tries to adjust for age through the Global Burden of Disease database, which includes a measure called Years of Life Lost. In 2010, there were 1,641,050 years of life lost attributable to particulate matter, against 1,873,160 years of life lost to road injuries.

That might seem like a near wash, but in fact the gap is much wider, because the these data reflect all air pollution, not just road-related air pollution. If we figure (based on Caiazzo*) that 25 percent of all deaths attributable to air pollution come via car emissions, then road injuries account for more than four times as many years of life lost as particulate matter from cars—1,873,160 to 410,288.

The absence of a clear single answer is a revelation in itself, suggesting that the problems are more on par than we typically treat them.

Circling back to the original question, whether car crashes or auto emissions is deadlier, we find any answer requires additional parameters. Strictly speaking, Americans appear more likely to die from auto emissions. In terms of wasted life potential, crashes seem the bigger danger. If anything, the absence of a clear single answer is a revelation in itself, suggesting that the problems are more on par than we typically treat them.

So why don’t elected leaders pay as much attention to emissions-attributable deaths as they do to car fatalities? The answer no doubt has a lot to do with something Levinson’s University of Minnesota colleague, Julian Marshall, said during their discussion of the topic: “no death certificate says ‘air pollution’ as cause of death.” Rather, emissions are yet another risk factor and invisible killer in a world full of risk factors and invisible killers. As such they’re convenient (and perhaps even comforting) to ignore. A road death, meanwhile, is stark and tragic and undeniable—in political terms, a much stronger platform.

But what should cities do about it? Well, they can start by drawing more attention to the problem. A true Vision Zero campaign, for instance, would acknowledge that even a New York without road fatalities wouldn’t be a New York without car-related deaths and illnesses. (That’s not to criticize this initiative; just to make a point.) As a stronger step, cities can follow the likes of London, which recently announced an additional tax on emissions-heavy cars, and start charging these drivers the true cost of their social impact (or something closer to it). A few drivers can pay now, or general public health can pay later, but everyone pays eventually.

* It’s worth pointing out that the Caiazzo study and the GBD reach vastly different conclusions about how deaths are attributable to total emissions in a given year: roughly 200,000 for the former to roughly 103,000 to the latter.

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Car Emissions vs. Car Crashes: Which One Is Deadlier?

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Warning: #BearSelfies Are A Dumb Idea

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Warning: #BearSelfies Are A Dumb Idea

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While You Procrastinate on Facebook, More Than Half the World Still Doesn’t Have Internet Access

Mother Jones

If you’re an American office worker who sleeps next to a smartphone and deals with an average of 120 work emails a day, life without the internet may seem like a quaint memory. But you’re actually in the minority: According to a new report, more than 60 percent of the world’s population hasn’t accessed the internet in the past 12 months. And those without access are disproportionately rural, low income, elderly, illiterate, and female.

Since 2004, 1.8 billion people have joined the online community, bringing total internet users to 2.7 billion. Even as new users continue to join the online ranks, however, the rate at which they join is slowing. The McKinsey & Company report projects that less than 1 million additional users will be added by 2017, leaving up to 4.2 billion people—more than half the forecasted world population—on the other side of the digital divide.

The share of the global population with access (defined as having used the internet in the preceding 12 months) grew sharply from 2004 to 2009, but less so from 2009 through 2011, and even less growth is projected from 2013 to 2017:

The specific trends that drove people online over the past decade (such as urbanization, cheaper smartphones, and the internet’s increased utility) likely won’t be enough to push the remaining population online, thanks to barriers like low incomes and lack of infrastructure.

“Those who do not or simply cannot go online increasingly suffer from constrained prospects for economic attainment, class mobility, education, and other areas related to quality of life,” the report notes. “The voices, ideas, and contributions of the offline population can’t be heard and often can’t be made until they’re connected.”

Those left offline miss out on opportunities to connect socially, access information on everything from health to the weather, and take advantage of online government services. The internet allows communities to participate in political movements like the Arab Spring and mobilize aid following natural disasters. Online access also increases government transparency, helps shoppers save time and money, lowers the barriers of entry for businesses, and of course, provides entertainment.

Beyond individuals, whole countries are left behind: An earlier McKinsey report found that from 2006 to 2011, the internet accounted for 21 percent of GDP growth in nations with stable populations and slowing economic growth. And global connectivity can lead to improvements in technology, education, democracy, and tourism.

The disadvantages of being left behind in a digital world fall disproportionately on certain communities: A full 74 percent of today’s offline population resides in just 20 countries. Even within these nations, those who lack internet access often fit similar profiles.

The report outlines four major barriers to internet access:

Incentives: Many people lack awareness of online capabilities: In 2011, 21 percent of those surveyed in Ethiopia’s capital did not know what the internet was. Even those who know of its existence might not find relevant local information or even material in their own language. The World Bank reports that 80 percent of all internet content is written in one of just 10 languages. There is also decreased incentive to use the internet in countries with limited online freedom or information security, like Iran or Nigeria.

Low incomes and affordability: Internet access is expensive in rural areas. In Ethiopia, a country with an annual per capita income of just $470, a smartphone retails for $377.

User capability: Many people throughout the world have never been educated on the internet and how to use it. Some are held back by the even more basic barrier of illiteracy.

Infrastructure: In parts of the world, there is simply no mobile internet coverage or network access. In fact, 24 percent of sub-Saharan Africans and 20 percent of Southeast Asians lack even basic electricity. The McKinsey report cites an initiative to extend broadband access to a shared community space in every village and city in Colombia over the next several years, but notes this type of project “requires substantial investment in infrastructure and is cost-prohibitive to build out in many developing markets.”

Although the United States scored high on incentives and user capability, a chunk of the population remains offline due to affordability and infrastructure. Only 77 percent of US adults with household incomes below $30,000 go online, and World Economic Forum ranked the US 35th in the world in regard to internet bandwidth. Of the 50 million offline Americans, 80 percent are low income, 54 percent are seniors, and a full 66 percent are female.

The authors report that over the past decade, growth in online population has been driven by mobile coverage expansion, urbanization, cheaper phones and data plans, a growing middle class, and the internet’s increasing utility. But they caution that the remaining offline population is unlikely to be swayed by these advantages, unless the four barriers above are addressed. “Without a significant change in technology, in income growth or in the economics of access, or in policies to spur internet adoption, the rate of growth of internet penetration will continue to slow.”

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While You Procrastinate on Facebook, More Than Half the World Still Doesn’t Have Internet Access

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Check Out This Amazing Collection of Iconic Photos of the 1960s Haight Street Scene

Mother Jones

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The Grateful Dead’s last free concert on Haight Street, 1968
All photos ©Jim Marshall Photography LLC.

Jim Marshall’s name is often accompanied by adjectives such as “indomitable,” “legendary,” “genius,” or “whirlwind.” And not without reason.

Apart from being in the right place at the right time—San Francisco’s music scene in the mid-1960s—Marshall had the right personality to get up close and personal with the bands who would provide the soundtrack to a generation. More importantly, he was simply a great photographer. As such, Marshall created some of the most iconic images in rock and roll history.

You know that famous shot of Johnny Cash flipping off the camera? Marshall. The Allman Brothers cover where they’re all sitting in front of their road cases? Marshall. The Beatles running across the field at Candlestick Park for their last concert? Marshall. Just about any photo of Janis Joplin that comes to mind. Jim Fucking Marshall. Hendrix. The Dead. The Who. The Stones. Zepplin. Little Richard. Chuck Berry. Neil Young. He shot ’em all, and many, many more.

Jimi Hendrix films Janis Joplin backstage at Winterland, San Francisco, 1968.

A new book, The Haight: Love, Rock, and Revolution (Insight Editions), thoroughly documents the genesis of the Haight-Ashbury scene. Marshall was there in the earliest days, when the Charlatans, the Great Society, the Warlocks/Grateful Dead, Big Brother & the Holding Company, Quicksilver Messenger Service, the Jefferson Airplane, and other bands were just beginning to spin their wheels, and the SF acid/psych-rock scene was just getting rolling.

The Poets (Allen Ginsberg, Robbie Robertson, Michael McClure, and Bob Dylan) in the alley next to City Lights Bookstore, San Francisco, 1965

The book, which goes on sale on October 14, includes lots of live concerts and behind-the-scenes photos of young rockstars with careers on the rise. There are also portraits, protests, reportage: Marshall shot it all. That’s what makes this book so great: the top-to-bottom, inside-out coverage of the entire scene. He gives us a real taste of what it was like to be in the midst of things.

Dancers in the Panhandle, San Francisco, 1967

The Human Be IN, Golden Gate Park, 1967

Starting from the scene’s origins, The Haight continues through the period when LIFE was doing regular features on the hippies and the bands were starting to get too big for the Panhandle, and concludes in 1968 with the Dead’s final street show: “One last time the band pulled out their gear, trundled down the hill, and played for free in the San Francisco sunshine.”

The musicians Marshall shot would go on to become staples of the American music landscape, and these photos are every bit as culturally important, They are as much a part of that landscape as the music itself.

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Check Out This Amazing Collection of Iconic Photos of the 1960s Haight Street Scene

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The Washington Post Wants Google to Invent a “Secure Golden Key”

Mother Jones

A couple of weeks ago Google announced that Android phones would soon have their contents encrypted by default. The encryption key would be set by the user and Google wouldn’t keep a copy. This means that if police get a warrant to search a cell phone, they can’t get the encryption key from Google. The owner of the phone will have to cough it up.

This is how search warrants work in every other walk of life, but law enforcement agencies were nonetheless frustrated over Google’s new policy. The Washington Post sympathizes with their frustration, and yesterday they mounted a fairly standard defense of the law enforcement position. But then they ended with this:

How to resolve this? A police “back door” for all smartphones is undesirable — a back door can and will be exploited by bad guys, too. However, with all their wizardry, perhaps Apple and Google could invent a kind of secure golden key they would retain and use only when a court has approved a search warrant. Ultimately, Congress could act and force the issue, but we’d rather see it resolved in law enforcement collaboration with the manufacturers and in a way that protects all three of the forces at work: technology, privacy and rule of law.

A “secure golden key”? Seriously? Did they bother talking to anyone more technically savvy than their publisher’s nine-year-old grandkid about this?

If you’re going to opine about this stuff, you owe it to your readers to do at least a minimal amount of reporting and research about what’s possible and what’s not. Otherwise you sound like an idiot.

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The Washington Post Wants Google to Invent a “Secure Golden Key”

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3 Ways Social Media Affects Your Happiness (If You Let It)

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3 Ways Social Media Affects Your Happiness (If You Let It)

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Would You Volunteer for a One-Way Trip to Mars?

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Would You Volunteer for a One-Way Trip to Mars?

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Top 4 Facts About the People’s Climate March

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Top 4 Facts About the People’s Climate March

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Mitch McConnell Doesn’t Get to Decide if Republicans Will Threaten Another Government Shutdown

Mother Jones

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Are congressional Republicans threatening once again to shut down the government this year unless they get their way on a bunch of pet demands? Over at TNR, Danny Vinik doesn’t think so: “There is no excuse for the news media to inflate the quotes of Republican politicians to make it seem that they are threatening to shut down the government again,” he says. But Brian Beutler thinks Vinik is being too literal. It’s true that no one is explicitly using the word shutdown, but no one ever does. Still, he says, “the threat is clear.”

I’m with Beutler, but not because of any particular parsing of recent Republican threats. It’s because of this:

The truth is practically irrelevant to the question of whether recent saber rattling presages a government shutdown fight. Just as it doesn’t really matter whether Senate Minority Leader Mitch McConnell actually has a government shutdown in mind when he promises to strong-arm Obama next year, or whether he intends to cave.

In either case he’s threatening to use the appropriations process as leverage to extract concessions. That’s a government shutdown fight. And no matter how he plays it, he will unleash forces he and other GOP leaders have proven incapable of restraining. They can’t control the plot.

Yep. It’s just not clear that McConnell has any real leverage over Ted Cruz or that John Boehner has any leverage over Michele Bachmann. Once they implicitly endorse the rider game, they cede control to the wingnuts. And the wingnuts want to shut down the government. Fasten your seatbelts.

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Mitch McConnell Doesn’t Get to Decide if Republicans Will Threaten Another Government Shutdown

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