Showing posts with label personal responsibility. Show all posts
Showing posts with label personal responsibility. Show all posts

Tuesday, October 27, 2015

CSOs and State 23, Financial education and Pidro Sing

To accumulate wealth and assets, to have sufficient resources for investments in the future, one must have savings, right?

Yes, and to have sufficient savings, we must use the habit and formula,
Income - Spending = Savings, right?

Wrong. It should be:
Income - Savings = Spending

This is among the most important messages that my friend, Peter "Pidro" Sing, imparted to the accountants, auditors and other staff of my sister's auditing firm last June 03, 2015. He gave a lecture on Personal Financial Education as part of the firm's education and training series for its staff, and some 30 staff and officers of the company were hooked and glued on  their seats, savoring every message, anecdote and experiences of other people, that Pidro shared.


Peter, or better known as "Pidro", is a self-made successful businessman. Meaning he did not inherit any huge money or business from his parents or close relatives. He went through a roller coaster of starting a business, go bankrupt, start another, close it, start another, sometimes simultaneously. Such experience is not attained or achieved in formal business education, only in the "school of hard knocks" or "school of life." Something that his audience that day greatly appreciated.


The above formula, Spending = Income - Savings, is something new for  many people. Meaning, spending must adjust after forced savings have been set aside. Forced, deliberate, personal and/or household savings. Monthly.

Pidro is not selling any product, any service, any consultancy. In fact he's doing this for free, he spends his own money and time as his personal advocacy. After going through the roller-coaster of business set up -- wealth -- bankruptcy cycles, he realized and teaches repeatedly, that the key is not so much on how big the monthly or yearly income is, but in how big and consistent is the forced personal and household savings. He says that he does not need any consultancy or professional fee with what he's doing because his businesses is earning money for him as he speaks for free. And it's true.


I have known Pidro for 3+ decades now, dating back when we were dormmates at Narra Residence Hall and fellow student activists in UP Diliman in the early 80s. He's a "slippery" guy even from police and military agents during the Marcos period. After graduating from UP, he would slip from one employment to another, then slip from one business to another, and wealth would also slip from him as he closed one business after another, until he found a good niche since several years ago.

Pidro's personal advocacy is civil society in action. We do not need the government in many cases to improve our lives. Life is about more personal and parental responsibility, and more individual freedom. Government  responsibility should be limited to a few functions, like having rule of law and protecting the people from aggression by organized, armed bullies and criminals.

Thanks again Pidro. Keep kicking.
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See also:

Wednesday, May 22, 2013

Socialized Healthcare 14: Over-extending Government Role in Health

There is a new article from the New England Journal of Medicine (www.nejm.org) by Thomas Frieden, MD, MPH, Director of the Centers for Disease Control and Prevention, Atlanta, USA.


It is a good article, except that the role of government in public health is over-extended and over-rated. For instance, on top of the old or long-standing role of government, there are more, newer roles. Like new laws and prohibitions where people can smoke and where they cannot. Mandating alcohol ignition interlock devices in cars, reduction of sodium in package foods -- with penalties and fines for violations. This is expanding government agencies and bureaucracies (expanding the taxes and fees to support them, their salaries, offices, training and seminars, pension, etc.). 


It would have been more palatable if government will hire more people to over-regulate, over-spy, over-control and over-penalize murderers, rapists, thieves, kidnappers and abductors, corrupt officials and other criminals. But to spy on restaurants because their foods are not properly labelled with ingredients, spy on people because they smoke in a restaurant or a private office, spy on car manufacturers because their cars do not have alcohol ignition interlock system, it's simply lousy and OA.

Societies and nations are composed first and foremost, of individuals -- parents, siblings, clans and relatives, friends and classmates, officemates and professional network, etc. Meaning civil society. Then there are corporate entities -- restaurants, hospitals, drugstores, drug manufacturers, food and drug importers, etc. Then government, local, national or multilateral.

In that article, there is no mention of civil society and corporate sectors's role in promoting public health. Almost everything is government role. 

In health promotion for instance, do we need government to remind people, children especially, that washing hands well before eating is necessary? That doing prohibited drugs, too much alcohol or tobacco, are not good? That cleaning houses and surrounding so that rats, cockroach, mosquitoes, other insects and pests won't stay and expand?  I don't think so, These simple health promotion knowledge are mainly personal, parental and civil society responsibility, secondarily or even not government responsibility. 

The big question remains, to determine which are mainly government responsibility, and which ones are civil society and corporate responsibilities.

In discouraging high alcohol use for instance, even if the excise tax on beer, whiskey, etc. are 10x or 100x their current levels, people will still drink, They will consume products that are made by locals and neighbors, not made by corporations -- like lambanog, tuba, tapuy/rice wine, etc. Those that are "hard to tax" by the government Some people simply derive pleasure from drinking and partying, even if it means little or zero savings for them, and poor health. Government or other people cannot nanny on everyone all the time and in all places.

If government will focus on promulgating the rule of law -- the law against selling fake and substandard medicines, against dangerous or expired food and drinks, against stabbing and shooting by gangs, whether drunk or sober -- this alone will have great positive impact on improving public health. 

Government should focus on controlling infectious and communicable diseases - sickness that can be passed on from one person to another even if people are extra careful and healthy about their lifestyle as those virus, bacteria, fungi, other microorganisms are more cruel and more shrewd than alcohol and tobacco molecules. This alone, too, will have great positive result in promoting public health.

In the absence of making a clear distinction between civil society responsibility with government responsibility, we can end up a socialist society soon without realizing it, where everything is run and micro-managed by the government.

A friend, Fe Remotigue of the National Pharmaceutiful Foundation (NPF), an NGO, informed me that during the META Discussion Series at the AIM in Makati last Friday, May 17, META Philippines Chairman Obet Pagdanganan challenged those who were seeking legal agenda to “act and not wait to be regulated”. And Food and Drugs Administration (FDA) Director-General, Dr. Kenneth Hartigan-Go said, “please, am asking you what you want me to do not what I cannot do”.  

"Act and not wait to be regulated" is a good advice actually. All players like industry associations, professional associations, NGOs, must have their own set of self-regulation, their own system of reward and punishment. For instance, PHAP has its own Code of Ethics, there are penalties for member-companies for violating the Code. PCPI is also working on its own Code of Ethics for member-companies, these are good initiatives. And PMA, PPhA, I think they have their own code of ethics or by-laws to avoid certain "conflict of interest".

That is the essence of civil society. Self regulation, act like mature and civilized people, there are consequences to our action and inaction. Very often we do not need government to tell and regulate us what acts are good and which ones are not good. Like we do not need government to tell us that over-eating, over-drinking, over-smoking, are not good for our body. Irresponsible people should suffer the consequences of abusing their own body, they should not blame somebody else nor ask that the rest of society should bail them out from their messy and costly healthcare. But there are overall or over-arching government laws that must be implemented -- the laws against stealing, killing, abduction, land grabbing, physical harm, corruption in government, and other criminal acts.

"What you want me to do and not what I cannot do." That is another good advice and request from a government regulator. When Doc KHG was newly appointed at the FDA, we have a few emails and I suggested to him that FDA should invest in having a strong legal team. That the best regulatory work that FDA can do is to prosecute and penalize those who violate existing laws -- like those selling fake and substandard medicines, those that sell adulterated, expired, harmful food and drinks. FDA will not do store by store inspections everyday, 7 days a week, for it is simply impossible to do that. But if FDA can send violators to jails and announce the list of those violators, that alone will sow fear in the hearts and minds of potential violators. Self-regulation, to stand and be fully accountable for the quality of their products and services, will be their main protection against FDA's legal team.

Promulgation of the rule of law, of few laws that apply to all, no one is exempted and no one can grant exemption, is the single most important function of government. Welfarism and endless subsidies are a secondary or tertiary function of government. Of what use to the poor is welfarism, that they get free education, free hospitalization, free medicines, etc. but their houses can also be easily ransacked, or their piece of land can be stolen and re-titled by some shrewd lawyers or real estate developers or politicians? Or their kids can also be freely abducted and raped or murdered by some gangs and politically influential people?

The food sector, clothing and other sectors, are good "models" for the health sector. There is not a single government restaurant or carinderia, not a single government supermarket or talipapa, all are provided by private enterprises, and people are eating. "Universal food" is generally assured. Likewise there are no government clothing and shoes corporation, and yet people have clothes and pants on their body, have shoes or slippers on their feet.

Whereas in healthcare, there are tens of thousands of government barangay health centers, dozens of government hospitals, thousands of DOH-sponsored botikas or barangay drugstores, there is drug price control policy, mandatory drug discounts for senior citizens, a government health insurance monopoly, and so on, and health problems are expanding, not declining.

Which means that for many social concerns, government should step back, and allow civil society and self-regulation to take over. And addressing the NCDs via self-regulation by individuals themselves, via competition by many private healthcare providers, is one aspect that government should step back. Addressing infectious diseases for adults, and children's diseases, communicable or non-communicable alike, is one big challenge for the government already that will require huge resources.
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See also:
Socialized Healthcare 10: Peru Doctors' Strike, Health Financing, October 29, 2012

Thursday, December 13, 2012

Blog Stats, On Reaching 500,000 Pageviews


Today, around 4pm Manila time, this blog has reached the half million pageviews mark. Not a fantastic achievement, just a modest one, but something to celebrate somehow.

Since the counter started in July 01, 2010, it took 2 1/2 years to reach the half-million mark. If this trend continues, then the 1 million pageviews mark will be reached in mid-2015.

Since about two months ago, there was a significant decline in viewership, from about 800+ pageviews a day on weekdays and some 500+ a day on weekends, viewership recently has gone down to only 300-400 a day on weekdays and less than 300 a day on weekends. I do not know the reason why, perhaps some of the regular blog readers have quit visiting the site, or some search engines have stopped referring the site, or other reasons.

Nonetheless, it is the freedom of expression that gives me happiness to keep writing. One cannot write sensibly if he has not read or watched or discussed sensibly the subject, as writing is a mental challenge to the writer to integrate many of the things that he/she has learned and discovered.  So the process of reading, comprehending, summarizing, integrating and later writing of ideas, gives me a natural "high".

Thanks readers.
 

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I posted this last July 01, 2012:

Blog Stats, On Reaching 400,000 Pageviews

The blog stats counter started only in July 2010 or exactly two years ago, although I started blogging in October 2005. Anyway, it feels good that this blog has reached the 400,000 pageviews mark after 24 months, as of 1:40 am, July 01, 2012 Manila time, or 5:40 pm, June 30, 2012, GMT.


Coincidence? Somehow yes. But here's a disclosure: Five days ago, sensing that the stats might not reach the 400k mark, probably only 399,000+, I asked a few friends if they can help by visiting this site daily for the next 4-5 days even if they did not do so before. I told them there's nothing really special, I just wanted to see the 400k mark by end-June 2012 or exactly 24 months after the blog counter started ticking, a shallow concern and request. Thank you guys, you know who you are.

Thursday, August 30, 2012

Self-Reliance 1: Hope During Hard Times

For some reason/s, this blog is attracting writers abroad requesting if they can guest post here. I am sorry, I apologize, to those people who earlier wrote me about this which I was lazy enough to even reply to them. Very often my mind wanders on many things and I forget to respond to some emails, especially from people I have not met before.

Two weeks ago, I received another email from Ms. Dana Le Roy of guestpostu.com, asking if they can submit a guest contribution. Wanting to reduce my previously laziness to respond to such requests, I replied Yes.

Below is an article about self reliance. This is consistent with one of the major advocacies of Minimal Government Thinkers and this blog -- more personal and parental/civil society responsibility, less government responsibility. And we can build a more just, more dynamic, less coercion society. Enjoy reading.
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Finding Hope During the Tough Times

From losing your job to facing people with seriously different political views than yourself, you've likely gone through some tough times in recent years. Sometimes, we expect other people to offer us aid and assistance. However, in the end, all we really have is ourselves and our own power to make the situation better. How can accepting this frequent truth help to improve your own life? Turning to self-reliance is often the answer.

Mind Over Matter

It's a common phrase and pretty much a cliche at this point, but maybe some truth lies in these words. Look at what the problem really is. Are you letting yourself get down every day because you're on a seemingly endless job hunt? Are those negative feelings holding you back? Try to channel those feelings into something positive. Instead of spending an hour a day wondering about why you don't have a job, use that time to send out even more resumes. Furthermore, focus on the fact that economies have historically turned around after downfalls. It's not likely that the economy will remain this way forever.

Look Back

Have you found your way through difficult times before? You've probably had the strength to recover from some major pitfalls in the past. Reflect on them, and remind yourself that you survived before and that you will again. Additionally, think about the strategies that you employed last time to put an end to the mess you were in. Consider whether these will work now, and use the past as a learning experience. When someone is challenging your political beliefs, it's importance to turn to self-reliance. Examine your self, and consider why you have those political beliefs in the first place. You'll remain how they started and why they are so important to you, and the side of the campaign won't matter anymore.

Find Your Faith

If you feel alone, turn to whatever higher power in which you believe. Even if you don't consider yourself religious, you can still be spiritual. Have some quiet time every day to pray and reflect. You might consider joining a church, temple, mosque or other house of worship. Sometimes, simply being with other people who are also praying for good to come can be an extremely comforting experience especially when problems such as war or loss of jobs are impacting an entire community. Even when you don't receive exactly what you pray for, having time periods of reflection allow you to understand some of the reasons why. You may eventually see why certain negative situations have occurred in your life. You're relying on yourself to pray, but you're also opening the door for a higher power.

"I Can" Moments

When you're feeling down about a particular situation, you might feel as though you cannot possibly ever do anything again. You might feel completely depressed about your talents and abilities because you cannot find a job in this economy. Instead of fretting so much, put them to good use. For example, let's say you're an art teacher who cannot find a job. Don't let your talent go to waste. Offer a free art session for budding artists in the community, or take an advanced art class offered in your neighborhood. Simply feeling as though you have power can really invigorate you and remind you that you have a lot of worth. Get out there and do something with your life.

People fall into tough times for all different sorts of reasons. There are going to be days where you do feel completely negative. However, it's important to not allow those feelings and emotions to completely take over your being. Remember, you might not have power over what happens out there, but you do have control over your mind.

Karmen Hall writes about self help, personal finance & more at http://flowerdelivery.net.
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See also:
CSOs and State 11: Rights and Responsibilities, Liberal Civil Society, July 11, 2010
Welfarism 14: Hard Work vs. Dependence, the Pacquiao Experience, January 30, 2012
Welfarism 16: Bailing Out Lazy and Irresponsible People, February 27, 2012
Welfarism 17: Personal Irresponsibility and Government, March 15, 2012
Rotary Notes 4: Citizen Self Reliance, Public Image, July 16, 2012\

Wednesday, April 11, 2012

Childcare 5: The 162 to 52 Summit

There will be a big conference this coming April 20, Friday, at the PICC, on the 162 to 52 Summit. It will be  sponsored by the 162 to 52 Coalition and the 11 big organizations that comprise it, see the poster below.


The Zuellig Family Foundation seems to be one of the major sponsors here. I received an invite from them, so they provide a significant manpower and secretariat support for this.

Here's a situationer and what the numbers "162 to 52" represent:


Everyday, 11 mothers die in the Philippines due to maternity-related causes. This leaves more than 30 children motherless. - UNFPA
As of 2008, the Philippines has an adjusted maternal mortality ratio of 162 per 100,000 live births. This is far from our MDG target of 52 deaths per 100,000 live births.
“The shortfalls are brought about by inadequate investments in health and not enough political will of our leaders to do what needs to be done to achieve our goals. Unhappily, these shortfalls leave behind the poorest and the most disadvantaged sectors in our society who remain un-reached by critical health interventions. - Secretary Enrique T. Ona, DOH
Taking care of the young by taking care of the pregnant women and mothers. That is a good philosophy. From the above brief situationer, here is the Coalition's action agenda.




The policy interventions from the national to local governments to civil society groups are outlined.


My comments to the above agenda and interventions.

1. Generally they are good, especially from the perspective of planners -- health planners at the local governments, national (DOH, PhilHealth, etc.), multilaterals and foreign aid (WHO, UNFPA) and some civil society organizations.

2. One thing that is lacking, well ALWAYS lacking in many programs and interventions by governments and even by many civil society organizations, is to encourage more personal responsibility in healthcare. Like reminding or educating mothers and pregnant women: do not smoke, do not drink, do not eat certain unhealthy food,  during pregnancy. Have the proper diet, non-strenuous physical and mental activities during pregnancies. Other family members should do their part, like not smoking in front of the pregnant woman, not giving them unnecessary stress, the spouse and productive members of the family should work and save more for the birth of a new member of the family, and so on.

3. There is a bigger role for civil society organizations (CSOs) therefore, in reminding people of the personal responsibility aspect of healthcare.

Meanwhile, here are portions of the program that day.

Welcome Remarks
Amb. Roberto R. Romulo
Chairman
Zuellig Family Foundation

Introduction of DOH Secretary


Developing Local Health Systems to Address Health MDGs: the Role for private and non-profit organizations
Dr. Enrique Ona
Secretary
Department of Health


Mainstreaming the 162 to 52 Coalition: Pursuing Partnerships for Local Health System Development to Attain Health MDGs
Dr. Jeepy Perez
Director, DOH-Bureau of Local Health and Development

Arresting Maternal and Infant Mortality through Mother Bles Clinics
Hon. Jericho L. Petilla
Governor, Province of Leyte


La Union Medical Center as Economic Enterprise for Sustainability and Development
Dr. Fernando A. Astom
Chief Executive Officer,
 La Union Medical Center


Responsive leadership and local health system: Enabling improved health-seeking behavior
Hon. Leovigildo Basmayor
Mayor, Municipality of Minalabac, Camarines Sur


Priority Areas: scoping current health status including local initiatives, and local health system challenges
Ernesto D. Garilao
President, Zuellig Family Foundation


Opportunities for partnership in Local Health System Development
Dr. Jaime Galvez-Tan
Former Secretary, Department of Health


Harnessing business sector investment in health: creating the enabling environment at the local level
Rafael Lopa
Executive Director,
Philippine Business for Social Progress


Breakout Session

Grp 1: Leadership and Governance
Mr. Juan A. Villamor
Grp 2: Supply Side
Dr. Jeepy Perez
Grp 3: Demand Side
Dr. Jaime Galvez Tan


Plenary (10 minutes per group)


Responses
Dr. Teodoro Herbosa
Head, PPP Taskforce DOH
Hon. Alfonso Umali, Jr.
President,  
Union of Local Authorities of the Philippines
Rafael Lopa
Executive Director,
Philippine Business for Social Progress


Converging actions for MDG 4 and 5 and the role of United Nations in the Philippines
Ms. Ugochi Daniels
Country Representative
United Nations Population Fund


Synthesis and Closing
Jaime Galvez-Tan
Former Secretary, Department of Health


I have not heard or met a number of these speakers, so it should be a good opportunity to listen to them. I will attend this forum.
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See also:
Childcare 2: Rotary DTP Vaccination, May 24, 2009
Childcare 3: My 2nd daughter, October 04, 2010
Childcare 4: Treatment and Vaccines for Children's Diseases, February 28, 2012

Thursday, March 15, 2012

Tobacco Tax 8: Ban Smoking, or Raise its Tax?

A fellow UPSE alumni and a friend in one of my discussion yahoogroups, Gary Makasiar, made a good argument that instead of debating by how much tax hike to slap on tobacco products, ban smoking outright. Posting this with his permission. The photos are not part of his original posting, I just added them here.  Our exchange has extended, I am putting the dates when the exchanges have taken place. Almost 10 pages long.
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10 March 2012

If we really believe smoking tobacco kills, why is the debate still circling around a/the sin tax? If we are honest with our premises, we should just outright ban domestic smoking of tobacco. The sin tax does not have to even figure in. This tax debate is appearing to be just like some tongue-in-cheek pontification. Proponents pretend to tax in the name of public health but secretly pray for smokers to continue their destructive vices to generate revenue. Much of the tax-happy pressure is coming from financial institutions, not health institutions If we want to realize zero local smoking at the soonest time, the most honest and dramatic way is to make smoking illegal overnight. That automatically does away with the tax debate, altho admittedly, it may not necessarily eradicate local smoking unless enforcement is strict and impeccable.


We should not even be hoping to realize taxes from local smoking if we are sincere about its evil effects. So why does a raging tax debate continue to be entangled with a public health no-brainer? Because any tax deliberation (including the sin tax) could only have arisen from fiscal and financial sources, considerations, motives and objectives. The social harm caused by smoking seems to have been used only as a convenient excuse (escucha) to justify a new tax initiative. Sadly, everyone around the table speaks with forked tongue and bad nicotine breath.


If smoking is truly a health hazard in whatever form, then the logical solution is to ban it. Smoking is anyway easy to monitor and enforce. Th light is visible and the smoke is easily detectible. The telltale signs are difficult to hide indefinitely. Huge rewards for whistleblowers should go a long way to help enforcement. The livelihood of the tobacco farmers can (and indeed, will have to) be addressed as a separate issue. Their efforts can be redirected entirely or partly to tobacco exports instead of being focused on the local market; and for those in farms that no longer have comparative advantage in growing tobacco, the skills of farmers there can be diverted to other crops that enjoy sustained regional demand (congress can allot budgets for retraining purposes, if they feel this to be a national imperative...but it does not have to come from a sin tax at all. Most probably it wont even be necessary as farmers and local enterpreneurs naturally migrate away from the unprfitable tobacco crop), or else to smuggling out local tobacco manufactures towards countries that impose atrociously high sin taxes on tobacco consumption.


Of course, it has to be realized tho that banning could very well just replay the prohibition years of the 20s in the US. Which gave rise to organizations and deviant celebrities like Al Capone. Contraband money was so good that these bosses were rumored to have corrupted city officials so thoroughly everywhere they operated. They became known as untouchables. The stakes were so high, that bootleg rival gangs thought little of wasting each other away. Of course, the alternate version is that local politicians were actually the ones in control and just let Capone and the others do their dirty work, including offing each other.. It is said that local officialdom was so corrupted and local govt protection so complete that the Fed government could only take Capone out on tax evasion charges. No smuggling charge could be made to legally stick. Finally, the US government (possibly envious of city officials) had to back track and lift the policy of prohibition altogether.The problem is that tobacco smoking is a nastier health hazard than alcohol, because of second and third hand smoke. Alcohol is not yet known to possess a similar externality. although drunken driving has had its fair share of the annual death toll.


Not too far back in our history (late 50s, early 60s), blue-seal cigarette smuggling also became rampant when imported brands were subjected to high import duties. Most industry players had to play ball with the politicians who controlled the coastlines nearest to the local markets for protection and safe harbor, and later on also with those who controlled the tobacco-growing regions to benefit from the "protection" offered by the high 'tariff walls'. This period in our history is well known and well-documented. This is prolly what the opponents of the high sin tax are warning against. But if everyone is seriously debating public health, taxes do not even have to figure. If they comtinue to do so, it must be because there is another root agenda even more important to some people than just public health. Possibly, the public kitty.


Here kitty kitty kitty. There kitty kitty kitty. everywhere kitty kitty kitty.

-- Gary

I thanked Gary for his well-argued position. On outrightly banning tobacco products for public health reason, here are some scenes that I see.

1. The corrupt government (national and local) officials and employees who will implement this will be very happy. It will be like the current policy of banning prostitution, banning shabu and other dangerous drugs and substances, banning jueteng and other gambling. All these things banned, sure, but they are all existing, alive and kicking, just around us. Banning them is abetting and encouraging more corruption in government, not controlling or reducing bot the use and practice of those services, as well as government corruption.

2. The public finance officials like those at the DOF, DBM, NEDA, and also those in Congress, will be unhappy because as Gary pointed out, revenues from tobacco products are about kitty-kitty-kitty. They want money from anywhere and from anybody. Pick any reason or alibi, so long as they can get more money from the public with the least resistance, they will do it. If raising the income tax (personal and corporate) to 50 percent or higher will meet minimal resistance, they will do it

3. The health officials like those from the DOH, PhilHealth and PopCom will be unhappy too, contrary to what Gary and other people believe. The health officials have already factored in xx billion pesos per year that will go to their agencies to finance universal healthcare, to finance the fight against lifestyle-related non-communicable diseases (NCDs), and to finance the purchase of various population control paraphernalia via the forthcoming Reproductive Health (RH) law.

4. The poverty fighters at the UN,WB, ADB and other multilaterals will also be unhappy as all their grand designs and plans to "fight/eliminate poverty" are premised on the government having as much tax money as possible. Even if the government will collect just one-half or one-fourth of the projected P60 B per year in additional revenues from the tax hike, hey, that's still money that can help finance the MDGs and other central planning measures to "fight poverty."

5. Hard core smokers will be unhappy too because the government, again, intervenes in what they think and feel gives them personal utility and satisfaction. Majority of smokers, including PhD guys, alive or already dead, are aware of the risks of smoking but they still want to smoke, why prohibit them from doing so? It's their own lives, their own body and lungs, that will suffer, not somebody else.

People can argue that second-hand smoke is more dangerous than that puffed by the smoker. I disagree. A smoker inhales both first hand and second hand smoke.

So with the above considerations, it seems that allowing smoking but taxing it high enough -- not outrightly banning smoking -- will make the majority of stakeholders happy. Both the tax-hungry and health officials and bureaucracies, the legislative bureaucracies, will be happy, along with the smokers, hard-core or soft-porn smokers.

Welfarism 17: Personal Irresponsibility and Government

This is my article yesterday in the online magazine, http://www.thelobbyist.biz/perspectives/less-gorvernment/1285-personal-irresponsibility-and-government

Personal irresponsibility can take many forms, among the most prominent are: laziness, work little but complain a lot, frequent procrastination, impatience and resigns easily from work, work hard but also party hard and save little or nothing. In health, personal irresponsibility includes over-drinking, over-smoking, over-eating fatty food, over-sitting and sedentary lifestyle.

The result of such irresponsibility and laziness is easy to predict: poverty, heavy debt, poor health, dependence on other family members, relatives or the government, or turning to stealing and corruption to tide over.

In my previous articles here, I have repeatedly argued that poverty in most cases, is self-inflicted. Sure, people can become poor if a super-strong typhoon and flood, or a powerful earthquake or volcanic eruption, or a huge fire or freak accident, will wipe out the various properties and investments accumulated through years of hard work and savings. But for such nature-caused poverty, getting up and starting all over again is relatively easy for people who ve the culture and ethics of hard working and high ambition to improve their lives and that of their households.

When governments, the various foreign aid bodies and multilateral agencies (UN, WB, ADB, OECD, etc.) talk about “fighting poverty” or “eradicating poverty” and dream of a “poverty-free world”, they normally do not ask what are the major factors, like internal and personal factors, that contribute to poverty.. And if one will review their literatures about poverty or “sustainable inclusive growth” and related concepts, find terms like “personal responsibility”, one will be dismayed and disappointed.

Those governments and foreign aid bodies talk about lack of access to: credit, modern farming methods, good quality seeds, efficient irrigation, post-harvest technology, poor infrastructure, quality healthcare and nutrition, affordable housing, high child and maternal mortality, and so on. Almost all factors are external to the individual and hence, all the interventions, welfare and subsidies, are external to the individual.

Governments can give subsidized credit or hand tractors or irrigation pumps to farmers. Then some of the farmer-beneficiaries will use the money or the agri machines as collateral to borrow money, and use it to a child’s wedding or birthday party, or go to a cockpit house (sabungan) or a beerhouse and have a grand time. The next day, the money is gone or there is little left. Then governments will find another round of subsidies if not freebies to “fight rural poverty”.

Personally, I can cite many persons – from some of my relatives, friends, neighbors, friends of friends, etc. – whose excuses for their poverty or lack of economic mobility are plentier than their actual effort at overcoming poverty. Rice farmers who complain of expensive prices of vegetables but do not want to plant vegetables in their idle plot or in non-rice planting dry season. Douoble-degree college graduates who have no work or do not want to work. College students whose parents are either sickly or have no work, but do not want to become working students and just depend on some relatives for their daily expenses. People with stable full time work but have almost zero savings as their monthly pay are severely eroded by paying debts due to over-partying or gambling or other vices.

The expansion of personal irresponsibility jibes in step and positive correlation with the expansion in government fiscal irresponsibility. Politicians and government officials are more than happy to pamper the lazy and the irresponsible because there is poverty. And more poverty is more reason to justify more or higher taxes and fees, more regulations and restrictions, more social and economic central planning, more loans and debts to “fight poverty.”

Irresponsible people are more often than not, more articulate in demanding their “rights and entitlements” from the government. For them, there are only rights, little or no responsibilities. There are only entitlements, little or no obligations. They are poor, the government and the rest of society should bail them out with endless welfare and subsidies.

Building a prosperous and peaceful society starts from developing self-reliant and hard-working people, not from pampering lazy and irresponsible people.
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Update:
I posted my article in my facebook wall, and it attracted some good discussions and exchanges, below.

  • Tata  Totally agree!!!
    17 hours ago ·  ·  1
  • Jules ‎"Poverty, in most cases, is self-inflicted. " nuf said.
    17 hours ago ·  ·  2
  • Michael  wealth, in most cases, is not earned.
    15 hours ago · 
  • Nic  It would have made salient points to talk of regulations and govt activity that restricts wealth - this the poor's only plenty.
    14 hours ago · 
  • Stephen  Michael, how do you define "earned." Most studies I've read recently indicate that the vast majority of millionaires, at least in the U.S., are not receivers of inheritances and gifts. They made the money on their own. If you mean "earned" as in by physical or manual labor,then I guess you're correct. But "earned" as in doing work that pays well, then most of these folks earned it.
    12 hours ago ·  ·  2
  • Stephen  Nonoy, you point out a problem with the "serial victims" who live in flood prone areas and are victimized with every storm, and then move right back to the flooded area. They are poor and have nothing because of bad choices. Not government regulations that push them to live in areas that are unsafe.
    12 hours ago ·  ·  2

  • Nonoy Oplas Thanks Steve for reminding me of that term "serial victims", I forgot about it. Yes, no one forced anyone to live under the bridges, or in creeks/esteros.

    Mike, wealth in most cases, is earned, via hard work, efficiency and high ambition. The only people who become wealthy without those virtues are the criminals, also thieves in government. They got their wealth via coercion, not via voluntary exchange.

    10 hours ago · 
  • Jules   
    If it is through deceit, extortion, force, fraud it is certainly not earned. Lucky you if it is inheritance - what is wrong with that any way if it is wealth gain not through the means I mentioned above but through hard work? Unless you can only frame poverty/wealth issues in the context of class struggles, I rest my case. What is ironic is that every time you call for more regulations in government, you are exactly giving more privilege to hose who wields power and their circle of select friends.

    2 hours ago · 

  • Nonoy Oplas Inheritance is not wrong. Some parents work hard, as in they work 6-7 days a week, making lots of money, but never spending it for themselves, they hardly take vacations and pleasure travels. Because they want to save a lot and give to their kids as inheritance. The goal to leave a huge inheritance to children is an incentive for parents or grandparents, other guardians, to become very productive and efficient, and society benefits from their productivity and efficiency.
    30 minutes ago · 
  • Nic  I don't think you can generalize so much here and ignore how impossible it is to rise out of poverty if governments regs enforce it - happens in a number of developing countries.
    21 minutes ago · 

  • Nonoy Oplas Yes, government regulations are prohibitions. People cannot put up even a vulcanizing shop, a barber shop, a sari-sari store, etc. unless they comply with many govt regulations (from barangay to municipal/city to national like BIR, SSS, DTI, etc.) and pay plenty of taxes and fees. More govt actually means more poverty because the self-reliant, the hard-working among the poor are prevented from spontaneous action and entrepreneurship, things have to be kept slow and long via various regulations and bureaucracies.

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See also:
Welfarism 7: Squatters in the Univ. of the Philippines (UP), February 23, 2009
Welfarism 9: Conditional Cash Transfer (CCT), November 12, 2010
Welfarism 11: Bureaucratizing Entrepreneurs, April 12, 2011
Welfarism 13: Decriminalize Prostitution, January 20, 2012
Welfarism 14: Hard Work vs. Dependence, the Pacquiao Experience, January 30, 2012 
Welfarism 15: Abolishing Pork Barrel, February 04, 2012
Welfarism 16: Bailing Out Lazy and Irresponsible People, February 27, 2012