Voter Falloff and Campaign Finance in Political Campaigns

Sometimes it’s hard to tell exactly how many votes you might need to win your political race, even if you do have the campaign finance tools in place to raise a lot of money. Your opponent might be an incumbent who has not had any opposition in the last couple times out. If that’s the case, you can look at recent election results from comparable races in nearby districts. For example, look at how many votes it took to get elected alderman in the adjoining wards when the race was contested.

Try to estimate the falloff rate, the voter fatigue factor, in your race. State and national races increase voter turnout, but these part-time voters don’t vote in all the races on the ballot. For example, let’s look at a sample city with 22,400 voters. In this city, only 14,700 of them voted for president in 2004.

There was also a race for state supreme court on the ballot, but only about 10,000 of them voted in the supreme court race. So although there were actually 14,700 people who wen to the voting booth, 4,700 of them, 32 percent, did not think the supreme court race was important enough to bother voting.

If you are in an “unimportant” race, sometimes called a “low profile” race, there will be this falloff in voter interest, and you have to know approximately how big it will be. No amount of campaign finance prowess is likely to help you overcome this voter dropoff at the polls. The good news is that while there might be a probable lower turnout for your particular political campaign election, that means you will need to get fewer votes to win the race.

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Campaign Finance Law

It almost goes without saying that politics involves big money. This is true now more than ever. On January 21, 2010, the Supreme Court ruled that the US government may no longer ban certain forms of campaign contributions by corporations. The reasoning was that corporations are entitled to free speech under the first amendment. This ruling overturns Mccain / Feingold campaign finance legislation along with previously set court precedents that set legal limits upon corporate political spending. As a result of this decision the landscape of political public relations and advertising will change drastically.

In many ways it is important that the government not be allowed to censor corporations or inhibit them from doing certain things. Corporate media, for example, must in theory be allowed to report on whatever it sees fit to report upon. Of course the government has censored the media in the past, one notable example being the 18 year ban (1991-2009) on photographic coverage of returning US dead from foreign wars. (Under George W. Bush, whose father instituted the ban during the first Iraq war, this ban was strictly enforced. Mainstream corporate media essentially cooperated without raising a fuss. In some ways this ban is still in place, though restrictions have been loosened so that news agencies can now photograph the arrival of the dead at the Dover base in Delaware, the arrival destination for dead bodies being shipped back from overseas.) But for the most part the first amendment rights of corporate media are held to be important because the role of the news media in providing information to the voting public is essential to the proper functioning of a legitimate democracy.

The main impact that this will have will not be on corporate contributions to specific candidates. These are still more tightly regulated. The real impact will be in the realm of advertising. Corporations will be allowed to spend as much as they want on advertising. Among other things this makes possible smear campaigns of unprecedented ferocity and ubiquity. Large companies interested in the policies of a particular party will basically be able to do their worst to character-assassinate of the opposing party’s candidate. So that, say, a giant company like Exxon Mobil, who will most likely want a republican in office who will work to deregulate the oil industry, can spend as much money as it’s managers see fit for the purpose of getting the right man elected. (While I use Exxon Mobil and the Republican party as an example there is no reason that this will not happen from the left, though the republican party will probably gain more advantage from it as they tend more toward policies that favor big businesses.) Of course, some companies will have to be careful not to tarnish the reputation of their brand and will see negative blowback from their shareholders and their customer base if they try anything too nasty, but nasty intentions can be spun into ostensibly unobjectionable concerns. This bill is a boon to the public relations firms that will be hired to craft corporate propaganda so as to maximize political influence while minimizing public blowback.

According to Justice Kennedy’s majority opinion, there is no principled way to distinguish between media corporations and other corporations. This assertion has two dire implications: A) that non-media corporations should have their freedom of speech protected in the same way as media corporations do, and B) that media corporations (being corporations and not in principle differentiable from others) are legally required by law to gain profit and market share, but not to provide a public service as an objective source of information meant to facilitate better democratic functioning by helping create a well-informed voting public. Corporations will engage in campaigns on behalf of candidates who will not necessarily be connected to them in any way so that the candidates will not be held accountable, and the corporate media will not have an incentive to focus on this aspect because it will not be in their best interests as corporations. It will be more to the benefit of corporate media as corporations to decry dirty politics in general and create a historical narrative of the decline of ethics in political advertising while omitting the court ruling and new corporate behaviors as important factors. This will most likely lead to an alienation of the public from politics in general and a decline in voter turnout, and citizens who do vote will likely be less well-informed.

The situation here has some parallels with the contracting of mercenary companies like Blackwater or private intelligence agencies like Booz Allen Hamilton, in that private companies can use techniques and tactics without being bound by the same laws that bind politicians. The added benefit to politicians here is that they do not even have to contract companies to act on their behalf. Or rather, the contracting is informal and politicians will pay corporations back by way of drafting bills and voting in favor of policies that benefit corporations. There is an obvious quid pro quo here that many see as being tantamount to bribery.

It will be very interesting to see how businesses use their newly granted powers to influence the upcoming mid term elections, and how much reporting will be done by corporate media regarding what is actually happening. I understand that writing about this is not necessarily news because it is not new, but one of the problems with the concept of news is that it consistently focuses on the new at the expense of establishing a coherent and politically relevant historical narrative. A good deal of people will be paying attention to how the mid terms are effected by this, but will it be reported on? Will its relevance ever be established within the mainstream public discourse? Or is it already just old news and not worth making a fuss over any more? Time will tell. Keep an eye out.

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Campaign Finance Reform, Or Revolution?

…or: Eradicating the Rats from Our Congress!

When I was a little boy, we lived in rural Missouri, about 30 miles outside of St. Louis. We lived there until I was nine years old. We lived in a small town, but the world was, for me, a very big place filled with wonders and bulging at the seams, with hope and possibility. In spite of the veiled threat of nuclear war between the Soviets and Americans our government made us feel safe. Even though we had regular “duck and cover” drills at school confidence in our leaders made us feel safe. My parents worked hard, provided for us, and because my dad was a Union member, we all had health insurance. I assumed that everyone did, and I think that at that time most did. I doubt that the world was any more politically stable than it is now, but most everyone seemed to believe that anything was possible. There was abundant hope. I’m sure that this was largely a middle-class phenomenon, but there was a very large middle-class. I think that this was, pardon my pun, “trickle-down” from pretty good leadership. I know now that it had to do with the “industrial military complex” being in its infancy. President Eisenhower would warn us about this institution and those who would control and profit from it, becoming the greatest threat to the freedom of the average American.

In 1958 our family relocated from Missouri to California. There was more construction work for my dad and the Union was very strong there. I remember when we were traveling, being a little boy, it seemed as if we were pioneers traveling to the great Wild West. And you know what, it was sort of… true! Even though I was disappointed that Mexican-Americans didn’t wear sombreros, it was to me, exciting and wondrous! It wasn’t easy for my folks, but they were able to make sure that we, my younger brother and I, were protected from such heavy burdens of social pressure, allowing us to just be children. We became Californians! Then came John Fitzgerald Kennedy! From what I could tell, my parents who had been life-long Republicans and didn’t vote for Kennedy became converts to the charisma and competency of this President, as did very many Americans. When he spoke it was like he was speaking directly to you and he was like Jefferson or Franklin or one of the “framers” reborn. It was obvious that he was a “peoples President”! Born into wealth, he had no need to sell one bit of himself to anyone. His father had stressed that they were fortunate, being wealthy Americans, and that they would be behooved by that fortune to become public servants. In that role, JFK made us all feel like anything was possible and I do mean anything. Take for instance, “We’re going to the moon!” And though we did have a standoff with far reaching implications, with Russia. We won! It was a time when Americans felt like and actually were the moral conscience, human rights and social leaders of the World!

Then the turmoil began. John Kennedy was assassinated in Dallas and Lyndon Johnson became the President. Then we lost Rev. Martin Luther King, Jr… then Bobby Kennedy! Though Johnson managed to get the Civil Rights Act passed, he escalated and became obsessed with Vietnam, a mistake and trauma that would overshadow many great things he did and that were happening. The Draft… the conscripting of young American boys into the armed forces would begin the great change. Nixon would begin the de-escalation of the war, but then became the most disgraceful leader in modern American history… The Vietnam War, sold under threat of the domino effect of Communism (bullshit), would be the beginning of Eisenhower’s greatest fear. The Industrial-Military-Complex invaded the United States economy, to eventually determine every aspect of American life. Spanning the better part of two decades, Vietnam would give birth to private industry and businesses so rich and powerful that they would gain the ability to “lobby” (bribe) Washington D.C. and influence American policy, law, and social stability. An industrial complex supporting a massive armed force would become an entity of its own, spawning a wealthy class of citizens enjoying privilege like European Royalty. As this class grew and spread into every sector of the economy, someone would have to pay their way. The middle-class became overtaxed, underpaid and underserved, as the Nation’s economy began to transfer from the average citizen to the upper one percent (1%). This trend would continue right up to our current situation.

A succession of weak Presidents like Ford and Carter paved the way for the fatal Presidency of Ronald Reagan. A complete sell-out to the rich and powerful businesses, and a promoter of a covert military, he broke the back of the Unions when he broke the Air Traffic Controllers strike, allowing those Union members to be displaced by non-Union employees. The Unions had made possible things like wages that kept up with inflation, top-notch health insurance policies for members, and arbitration with companies to assure employee safety and quality work and goods production. Without the Union protections, American workers would be at mercy of purely profit-based business that looked at the “bottom-line”” as the primary if not their only consideration! His covert military would take up the cause of protecting business interests abroad. The country of the people, by the people and for the people was gradually disappearing into the distance like fading sunlight as night approaches. A very dark picture was taking form in the United States of America.

The blow of the “Bushes” was softened by the charisma of William Jefferson Clinton, briefly, though the Industrial-Military-Complex was still on the march promoting war, profiteering and deregulation of the financial industry to unprecedented levels in spite of warnings that history provided. The transfer of the economy to the top one-percent was escalating at nearly unstoppable speed. All the while, Americans had become complacent and continued to trust that government would, in the end, come to their aid. Over the years since Reagan, Unions had been sold as evil and counter-productive to the economy. Safety in the work place became substandard as the average worker worked longer and harder hours to maintain a secure and stable life-style. A new phenomenon appeared as somewhat of a bewilderment to most, at the time… the presence of a growing “homeless” sector appeared in our society. “Why” wasn’t apparent! We couldn’t see that if the wealthy remained the top 1%, and the middle-class was diminishing… poverty had to be flourishing! The American way of life had transformed. Things that made us what we were, were disappearing or being stifled and rebranded as counter-productive to our economy. War became acceptable as a sadly necessary part of our culture and the times we live in! International Treaties were deemed inapplicable to the United States government. It seemed that almost out of nowhere America was grabbing people and shuffling them off to clandestine locations, torturing them and defying international law. The government didn’t need warrants to wiretap and spy on its people. Privacy was unimportant. Americans, like the enemy, could be locked up without “habeas corpus” in the process, and for indeterminate lengths of time with no legal representation. Two-percent (2%) of the population would, over the course of each year, be incarcerated. Doctors were being assassinated for carrying out legal procedures. Civil rights were first being given to citizens and then taken away in backlashes of the Religious far-right interfering with government and the law. Government mandated that citizens must buy a poor quality product from unethical businesses under the threat of penalties, with no acceptable, reasonable product offered under that law (health insurance). Federal authorities intervened in legal conflict with State laws, arresting people for things that their State had deemed legal (medical marijuana)! Maybe worst of all, no one will take responsibility for the environment of our Planet and the destructive effect we are so obviously having on it. This has all culminated into the financial melt-down of 2009, and still the people struggle for justice and for the government to come to their aid, but it falls on deaf ears that have been silenced by financial reward from lobbying (bribery) by the Military-Industrial-Complex that silently has instituted a coup on the United States Congress, stripping the people of their representation in the Federal governing system. Half measures that appease the people and sustain the power of the top 1%, yet really change nothing, are all we can get out of them.

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Business Insurance For Small Companies

Insurance policy is one of the most important parts of a business. Business description details included varies from one insurer to the other. There are plenty of reasons why business insurance services can be beneficial for the company. An online business insurance provider offers a comparison data. Below are stated the reasons why you must consider services from business insurance companies that will compare with other insurance providers in the area and offer real value with the company you choose.

Comparison Data Offered by Business Insurance Service:

When it comes to comparing the different types of insurance, you will need to find a company that does comparison data. They work as an independent insurance broker and help you connect with some of the better deals in market. If you are aiming at the best insurance policy, you need to have a comparative analysis that service providers offer.

Independent Brokers are not Associated with Any Company:
Part of the benefit while you go to an independent broker lies in the fact that they are not attached to any particular company. Individual brokers offer services based on your needs. They won’t force you with any particular company because they are associated with them. A broker can compare the different available companies and point to the right direction on the basis of what is right for your organization.

Business Insurance is a Must for all Companies:

Protecting your assets as well as businesses is vitally essential these days. Getting business insurance is one of the first things that should be in your mind while you are opening a company. Businesses today have realized importance of getting insurance. The insurances can protect people and employees that are working with you.

Online Business Insurance Companies Offer you Help Online:

Business insurance provider with an online website helps you get online quotes. You can sign up free and begin with free consultations online. This is one of the best ways to get started and look for the different insurance options available for you. You need not pay any money to use the insurance broker, they assist you to sign up for insurance as they are paid commission form the insurance companies.

Business insurance is not only about covering the ideas and creativity. It is about covering financial assets and employees, as discussed above that can get toppled by calamities. For example, you would want to have commercial insurance, if you have cars and are using them for making deliveries. You may end up losing a lot of property, if the automobile meets with an accident or incurs any sorts of damages. You can go bankrupt as the creditors and bills start piling up.

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How To Save Money On Car Insurance For Young Drivers? Read To Know

The cost of car insurance policy is determined by many factors typically examined by insurance companies online such as driver’s age, the location where he mostly drives a car on, the make and model of car, driver’s driving experience, etc. Insurance companies take into considerations these factors to figure out if driver will be a high risk. Usually, young drivers are considered risky as they are less likely to have good driving experience and skills. This is why it is challenging to qualify for cheap car insurance for young drivers. But, the interesting thing is that today many online insurance companies specialize in offering various discounts which you can earn to reduce your insurance cost or simply get cheap car insurance for young drivers. Before applying for insurance policy, it is advisable to get some knowledge about the same.

If you install security or safety devices in your car, you are less likely to get injured or your vehicle is less likely to get easily stolen or damaged. Many online insurance companies offer discounts for the same. Moreover, if you want to save money, you should think of joining a recognized driving course. This will improve your driving experience as well as skills and also could get you one more discount. One more way to get best affordable auto insurance is to drive less. If you drive less, the possibilities of accidents or similar circumstances leading to insurance claims will get reduced. Some insurance providers also offer discounts to students who score good grades. Besides, your driving location also affects insurance cost. Even make and model of car will affect what you will pay for insurance policy. Some vehicles are expensive to be insured while other cars are not too expensive.

Thus there are many aspects which you should work on to save money. But, most importantly, you need to locate insurance company which offers the most affordable auto insurance rate and also multiple discounts. One of the easiest ways to locate best insurance company in your local area which is willing to provide affordable car insurance with many discounts is to take free professional assistance of a reputable online car insurance service. These services which are closely connected with a huge online network of insurance providers that offer cheapest car insurance quotes will help you to get easy and quick access to best insurer.

The risk factor associated with you will affect your insurance cost significantly. So, it could be advisable to see if you can reduce the risk taken by insurance company by following some expert guidelines and improve your eligibility for affordable auto insurance rate. Get assisted by experienced car finance specialist to know what these guidelines are and how to get cheap car insurance for young drivers.

Log on to to get more information on young driver affordable car insurance in Canada. It offers various discount on premiums to lower down your monthly payments and helps you to save money. The interest rates are also so minimal compare to market rates. Visit us soon.

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Factors That Affect Life Insurance Coverage

Factors That Affect Life Insurance Coverage
Life insurance policy is the best way to overcome from unexpected risk factor in the future and it will protect you financially. Even a slightly lower premium can lead to major savings for the future.
The premium rate on life insurance policy mainly depends on a variety of factors. But for many people insurance concept is difficult to understand and it leads to many misconceptions. To avoid such misconceptions and confusions there are few factors that needs to be considered while opting for the life insurance policy and to determine the premium rates.
Here are the most common factors that affect life insurance coverage in determining the premium rates and risk coverage.
Age of the Policy Holder
It is the number one factor that needs to be considered in the life insurance coverage. If you are younger, then chances are more to pay premium rates for years and rates will be lesser. That’s why it is always recommended to buy insurance policy at young age. It doesn’t mean that you have to buy insurance policy in your college life, it is better to buy when you’re financially stable.
Gender of the Client
Gender is another significant factor need to be considered when evaluating the average life expectancy. In fact on average women are likely to live longer than men so women pay slightly less premium rates for longer years.
Medical Test
This factor is important in the underwriting process. Medical test mainly include height, weight, cholesterol, blood pressure and other key metrics. So purchase life insurance policy before searching for coverage to ensure competitive rates. Few insurance companies do offer policy without any medical test, but they cost higher premium rates.
Genetic History of the Family
The insurance advisor generally asks about the genetic history of the family and details about the family members those susceptible to genetic disease like diabetes, heart problems, etc. If this is the case then you have to pay the higher premium rates as you carry the genetic diseases.
Profession Plays an Important Role
If your profession is risky or challenging then chances are more to pay the higher premium rates. If your job is considered has a risky profession then you may be denied to get all benefits from your insurance policy. For instance: many insurance companies charge more if your occupation is relatively dangerous such as mining, drivers, steel engineers and many more.
Driving Record
This factor seems to be surprising, but many insurance companies keep track of policy holder driving record during the underwriting process. They will access for the department of motor vehicles records to find out any issues that you’ve run afoul of the traffic rules. So if you maintain clear records in the motor vehicle department then you will be benefitted by more favorable price.
The above mentioned factors will significantly affect on life insurance coverage and insurer should minimize the premium rates by minimizing the risk factors. However, it is always advisable to compare different company policies before buying the life insurance policy.

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