Although most observers believe that Kamala Harris “won” the debate with Donald Trump, she never answered one of the key questions: “Are you better off today than you were four years ago.”

One of the reasons she likely didn’t is because the question is, underneath the simple words, a variation on the old trope question, “Have you stopped beating your spouse?”

Another reason is that no matter what the nostalgia buffs think, we can’t go back to the situation of four years ago, when what worked economically then would have different impacts now.

But Harris missed a great opportunity to defuse the whole “better off then” conceit, because most people regard the past as somehow better, except for the few times of world-changing disasters.

The answer Harris should have given is:

That’s the wrong question. What matters is what policies will make your life better from here on out, not what happened four years ago. The United States needs a leader and policies that address today’s challenges, not selective memories of the past. Here are my policies to improve life for all Americans, not just the wealthiest Americans, but all Americans.

From there she could have launched into her listing of policy proposals.

The state of the economy is one of the great worries for most Americans, and until she addresses it head-on, she’s going to have trouble beating Trump, and the fact that she’s only slightly ahead illustrates the lack of faith in her ability to handle the economy, despite the fact that Trump is a lying, misogynistic, bigoted, hate-mongering, and often incompetent bully.

And like Harris, we all need to ask the right questions for today and tomorrow.

Donald Trump has nasty nicknames for almost everyone. Why hasn’t anyone come up with one that sticks to him? After all, he’s lied about everything, and his supporters not only don’t care, but many of them revel in his various “capers,” from stiffing workers and contractors, to conviction of sexual assault and character defamation (twice, no less), and conviction on thirty-four counts of business fraud.

Donald, aka Boy Orange and pseudo-billionaire, already has multiple crime convictions, and that doesn’t count all the other charges, including an attempted coup, and continuous out-and-out lies (not exaggerations or misstatements, but bald-faced lies), not to mention even implying that his vice-president ought to have been hung by the mob that Trump unleashed on the U.S. Capitol, a mob he left to its own devices and violence for hours while gloating in the White House. But none of these seem to stick in the public memory, which means people don’t even seem to understand the extent of his cons and crimes.

So little sticks to him that he almost seems to be made of Teflon, but calling him that would be so unfair to Teflon, because it has honest uses and practical purposes… and yet he needs a suitable nickname that sticks to him.

The best I can do is MultiCon Don.

What about you?

Now that Kamala Harris is officially the Democratic Party’s nominee for President, both the Republicans and the media are hounding her to provide specific detailed policy proposals. My advice to Harris and her campaign is simple.

DON’T DO IT!!!

First, despite all their claims to the contrary, neither Trump nor his campaign have come up with much in detail. Saying that you’ll Make America Great Again, deport illegal immigrants, stand up to Putin, and stop taxing income from tips are hardly a policy framework. They’re campaign slogans, and that’s about all anyone will get from Trump. More slogans, if that.

Now, there was a detailed Republican plan – Project 2025 – and, once leaked, Trump immediately claimed he never heard of it, and that should tell anyone that you shouldn’t believe any policy suggestion from Trump. As for deporting all illegal immigrants… anyone who does will destroy the American economy, because those illegal immigrants comprise an estimated 20% of the U.S. construction industry, doing dirty jobs that most Americans won’t or can’t do, at a time when we’re already short of housing that costs too much.

Second, the media only wants those detailed policy plans so that they can nitpick and criticize them to death, finding fault in every phrase. Such plans are just red meat to the media wolverines, no matter how much they claim they’re only seeking the truth. The truth is in fourth place behind audience support, advertising revenue, and newscasters’ egos.

Third, no detailed campaign policy proposal ever survives intact after contact with reality and economics. No economist can predict accurately what the economy—or the world political situation – will be five months plus from now. It’s fine to say that the U.S. needs to restructure homebuilding and home-buying to deal with high prices and inadequate supplies of shelter, or to restore bodily legal rights removed by state laws, but leave the details to the time when the new president actually has the power to do something. Because, if you don’t, the media – and the other side – will trash all too many good proposals in their attack to gain a few more percentage points of audience approval.

Being detailed in a campaign is one of those ideas that sounds wonderful… and can only lead to disaster, in all too many ways.

While all political figures have a tendency to overstate their “case” and to take liberties with facts, I find that J.D. Vance and Donald Trump are the greatest misstaters/liars of any major party presidential candidates I’ve seen in the fifty years I’ve been in and followed U.S. politics.

Unlike Trump, who’s an outright liar, Vance is a cunning misstater, often using actual and largely accurate facts to paint a seemingly convincing picture that’s primarily inaccurate, and he and a number of other very articulate right-wing Republicans are succeeding in convincing people in large part because of the ignorance of the American people.

For example, take the “comparison” between how people feel about their economic position in the Trump years to their economic position now. Of course, many people are unhappy at present. Prices and interest rates are much higher. But very few people ask why or look into the reasons. They just blame the incumbent – and they’ve been suckers that way for years.

Economic policies and laws are like a ship. It takes a long time to implement policies and laws. It takes months if not years to get legislation reforming or creating programs. After passing such legislation, it usually takes well over a year to write and even begin to implement the regulations and procedures to put a law into effect (and those procedures are required by law!). Even Executive Orders of the President can take months or longer, depending on what’s involved. The full impact of Biden’s medical and drug price reforms won’t begin to take effect until next year and later. The chip and microchip factories created by Biden’s initiative are barely under construction.

This applies to Trump as well. All the “good times” in the first years of Trump’s administration were created by the policies of previous administrations. The greatest impetus for inflation began with the reaction of the Trump administration’s massive spending on Covid and Trump’s enormous tax cuts, but the full impact didn’t occur until Biden was in office.

So, Trump and Vance are taking credit for the policies of their predecessors and blaming the inflation and economic problems that Trump caused on Biden. Just as Bill Clinton took advantage of the stable economic conditions and balanced budget handed to him by the unpopular tax increases of the first President Bush, which contributed to Bush’s defeat.

And, by the way, more than a few economic studies have pointed out that the massive increases in corporate profits were a significant factor in creating higher inflation, yet very few politicians bring this up, and fewer news media sources report on it.

So… it might be wise to look at the assumptions of who’s really to blame and who’s really the one to praise before jumping to conclusions. Not that many people will because it upsets their preconceived views.

Over the past several years, but especially over the past few months, I’ve noticed a growing trend in advertising, one which amounts to “insuring” everything.

The most obvious example is that of CarShield, which bills itself as the answer to unexpected car repair bills. But there are other examples, from pet insurance to appliance insurance (in addition to warranty coverage). A month or so I was asked if I wanted insurance for a replacement coffeemaker that I was buying.

Now… some forms of additional insurance are likely worth the price, such as a homeowners’ policy or supplemental health insurance, because most people can’t afford major structural repairs from weather or fire damage and because most health insurance doesn’t cover everything by a longshot.

But replacement insurance for a $35 coffeemaker?

What troubles me most about this is the idea that people need insurance for everything. Perhaps I’m old school, but when I was a child and a young adult, my parents emphasized that life was uncertain and that everyone needed to set aside money for expected events or the so-called “rainy day.”

While most Americans offer lip service to the need for a rainy day fund or emergency savings, according to a July 2024 survey by Empower research, some 37% of Americans can’t afford an unexpected expense over $400, and almost a quarter (21%) have no emergency savings at all. And one in four Americans dipped into emergency savings last year, not for emergencies, but to cover basic living expenses, while sixty percent of Millennials are stressed about a financial emergency striking.

Part of me wonders about whether this is really all about economic deprivation, but when I look at the student parking lot at the local high school or the local state university and see that most of the cars are newer than my 15 year old SUV, I have certain doubts. These doubts are bolstered when I see brand-new twenty-foot powerboats in the driveways of the most modest homes in town, or when students who protest that they can’t afford textbooks drive late model cars, presumably without CarShield insurance.