Thursday, September 18, 2014

The American Dream




Sam Becker  
September 10, 2014

It looks like the inevitable has finally caught up with us: the American Dream is no longer affordable. We’ve heard about the possibility for years, and according to a study put together by USA Today, a six-figure income is what it really takes to put all the pieces together. In fact, the exact figure is $130,357, which they arrived at by calculating the cost of a family’s essential expenses, some extras, and taxes/savings. Now, this is what they found was needed for the average family of four — two adults and two children.

If $130,000 seems like a lot, that’s because it is. Even with two adults working full-time, that can be a number out of reach for most people. According to the U.S. Census Bureau, median household income between 2008 and 2012 was $53,046 per year, less than half of what the USA Today study calls for. While the economy has been picking up steam as of late, it’s still not the same situation that led to prosperous years for the middle class during the 1990s.

The biggest issue — and the factor that is putting the ‘American dream’ out of reach for the vast majority of people — is that they simply do not have the financial power they did before. The cost of living has been skyrocketing over the past ten or fifteen years. Just about every standard purchase, whether it be for a home or for a gallon of gasoline, has seen prices jump dramatically. Food prices are also through the roof, along with healthcare costs and transportation.

The other side of the coin is that wages and compensation have flat-lined. As everything else has gone up in price, wages really haven’t budged, leading to erosion of purchasing power. Ever wonder why so many retail stores and restaurants closed over the past five years? It’s because those in their target demographic, the middle class, simply don’t have the money to go there anymore. The Economic Policy Institute looked deeper into the issue, and found that flat wages and job losses have been the major barriers to economic prosperity for many in the middle class.

“This lost decade for wages comes on the heels of decades of inadequate wage growth. For virtually the entire period since 1979 (with the one exception being the strong wage growth of the late 1990s), wage growth for most workers has been weak. The median worker saw an increase of just 5.0 percent between 1979 and 2012, despite productivity growth of 74.5 percent — while the 20th percentile worker saw wage erosion of 0.4 percent and the 80th percentile worker saw wage growth of just 17.5 percent,” the EPI says.

Eroding wages and increasing costs — this is the intersection that is causing the middle class to disappear. Most of the middle and lower classes in the U.S. have been sold on the idea of the ‘American dream,’ and have worked hard to attain it. Putting it out of reach, all the while expecting people to continue buying into the ‘meritocracy,’ is going to eventually come back to bite you.

The Bare Necessities



Getting back to the USA Today study, the essentials that are mentioned are the basic tenants of life in modern America. The study tallies up several different price points — $17,062 for housing, $12,659 for groceries, $11,039 in vehicle expenses and just over $9,000 per year in medical expenses — all to get a subtotal of around $58,500 for the essentials. That alone is above the median household income.
There were a few other things taken into account: apparel, utilities, and education expenses, but the items listed above were the major price points. There is also a sound argument to include things like Internet and telephone service in this category, as they are required for daily life by most. Instead, they were listed under the ‘extras’ category.

One other area that is not taken into account that the majority of the population is dealing with is debt. Credit card debt and student loans, neither are put into the calculations. It’s possible that these could be factored in to things like education expenses, or miscellaneous expenses, but for a lot of people, debt repayment represents a big monthly expense. According to Nerdwallet, the average American’s credit card debt tallies up to more than $15,000, and student loan debt is more than $33,600.

These are things that should also be figured in.
 
The Extras



Moving away from the bare necessities and on to the ‘extras’ category, USA Today figured in things like family vacations, entertainment, eating out at restaurants and cable/Internet costs. All together, the end figure totaled more than $17,000 per year. Now, right off the bat many people will say there are plenty of costs that can be eliminated in this category, and they are correct. For example, more than $4,500 is allocated for family vacations, which can be drastically reduced in a number of ways.
However, things like Internet expenses are more appropriately filed under the ‘essentials’ category. A great deal of individuals rely on the Internet for work and school, and many of us really can’t imagine life without some sort of online connection. There are ways to curb the cost as well, by using public libraries or coffee shops with public wi-fi access.

As far as entertainment and eating out is concerned, there is always wiggle room to cut down the budget. Entertainment especially, which can be heavily reduced through modern technology. Again, public libraries have vast book and movie collections, available for free many times. A Netflix  account can supply hundreds, if not thousands of hours of entertainment for less than $10 per month.

There are ways to chip away at the ‘extras’ category to save some money. But even with money saving methods in place, it’s still an area that will incur unexpected expenses and cost families plenty over the course of a year.

Taxes and Savings



The final category looked at in the study is that of taxes and savings. The former everybody takes part in, the latter, well, most people hope to take part in. A lot of people saw their savings ruined by the financial crisis, in which either banks gambled it away, or the loss of a job required those who had a safety cushion to actually dig into it. As the economy rebounds and more people get back to work, setting aside money for a variety of savings accounts should become a common expense in many households.

USA Today pegs the total cost of tax and savings annually at $54,857. The majority of that figure — $32,357 — comes at the cost of state, local, and federal taxes. Of course, there are many ways to reduce that tax bill, but that is the number they landed at. The other large expense lands at a figure of $17,500, which is attributed to 401(k) retirement savings. Assuming you are contributing the maximum amount, that is roughly the number USA Today came up with.

Finally, college savings for two children tallied up to $5,000 per year. Of course, as the cost of education increases every year, saving even that much annually probably won’t leave the kids with enough to pay for their education. As disheartening as that is, college savings may be an area that should be increased in the calculations.

These are the major expenses that USA Today‘s study looked at to arrive at their annual figure of $130,357. Sure, many things are debatable, and there are some expenses that were not taken into account, while others could be reduced through consumer choice and money saving tactics. One important thing to mention is that it’s not just about building wealth and getting rich, but also about securing a future for the next generation.

Speaking with USA Today, Cornell University professor Thomas Hirschl made that point very clear. “It’s not about getting rich and making a lot of money. It’s about security,” he said. “They want to feel that their children are going to have a better life than they do.”



























Assignment: 

Post your responses to the questions below as anonymous comments.  Email me your response with the block # in the subject line.

1. Why is the American Dream unattainable to the majority of Americans (what two factors does the study identify as being responsible)?  Are most people even within reach of the income required according to the study?

2. What costs in the study do you think were underrepresented or overrepresented?  Are any items categorized incorrectly (for example: is internet and phone service really a luxury or would you consider this to be more of a necessity?)  Are there any costs that are completely missing from the study?

3. What is your reaction to this study/ article? Why?


Friday, September 12, 2014

Obama's Plan for ISIS

CNN Article on Obama Speech




Assignment: 

Read the article linked above.  Explain whether you agree or disagree with each part of Obama's strategy to combat ISIS and why.  Make sure you offer alternatives if you don't agree with the strategy outlined by the President last night.  

Email your response to me and then post it below as an anonymous comment.  

Minimum: 1 paragraph

Sunday, September 7, 2014

Economic Inequality


How to Shrink Inequality
by Robert Reich, Monday, May 12, 2014
 
Some inequality of income and wealth is inevitable, if not necessary. If an economy is to function well, people need incentives to work hard and innovate.

The pertinent question is not whether income and wealth inequality is good or bad. It is at what point do these inequalities become so great as to pose a serious threat to our economy, our ideal of equal opportunity and our democracy.

We are near or have already reached that tipping point. As French economist Thomas Piketty shows beyond doubt in his “Capital in the Twenty-First Century,” we are heading back to levels of inequality not seen since the Gilded Age of the late 19th century. The dysfunctions of our economy and politics are not self-correcting when it comes to inequality.

But a return to the Gilded Age is not inevitable. It is incumbent on us to dedicate ourselves to reversing this diabolical trend. But in order to reform the system, we need a political movement for shared prosperity.

Herewith a short summary of what has happened, how it threatens the foundations of our society, why it has happened, and what we must do to reverse it.

What has Happened
The data on widening inequality are remarkably and disturbingly clear. The Congressional Budget Office has found that between 1979 and 2007, the onset of the Great Recession, the gap in income—after federal taxes and transfer payments—more than tripled between the top 1 percent of the population and everyone else. The after-tax, after-transfer income of the top 1 percent increased by 275 percent, while it increased less than 40 percent for the middle three quintiles of the population and only 18 percent for the bottom quintile.

The gap has continued to widen in the recovery. According to the Census Bureau, median family and median household incomes have been falling, adjusted for inflation; while according to the data gathered by my colleague Emmanuel Saez, the income of the wealthiest 1 percent has soared by 31 percent. In fact, Saez has calculated that 95 percent of all economic gains since the recovery began have gone to the top 1 percent.

Wealth has become even more concentrated than income. An April 2013 Pew Research Center report found that from 2009 to 2011, “the mean net worth of households in the upper 7 percent of wealth distribution rose by an estimated 28 percent, while the mean net worth of households in the lower 93 percent dropped by 4 percent.”

Why It Threatens Our Society
This trend is now threatening the three foundation stones of our society: our economy, our ideal of equal opportunity and our democracy.

The economy. In the United States, consumer spending accounts for approximately 70 percent of economic activity. If consumers don’t have adequate purchasing power, businesses have no incentive to expand or hire additional workers. Because the rich spend a smaller proportion of their incomes than the middle class and the poor, it stands to reason that as a larger and larger share of the nation’s total income goes to the top, consumer demand is dampened. If the middle class is forced to borrow in order to maintain its standard of living, that dampening may come suddenly—when debt bubbles burst.

Consider that the two peak years of inequality over the past century—when the top 1 percent garnered more than 23 percent of total income—were 1928 and 2007. Each of these periods was preceded by substantial increases in borrowing, which ended notoriously in the Great Crash of 1929 and the near-meltdown of 2008.

The anemic recovery we are now experiencing is directly related to the decline in median household incomes after 2009, coupled with the inability or unwillingness of consumers to take on additional debt and of banks to finance that debt—wisely, given the damage wrought by the bursting debt bubble. We cannot have a growing economy without a growing and buoyant middle class. We cannot have a growing middle class if almost all of the economic gains go to the top 1 percent.

Equal opportunity. Widening inequality also challenges the nation’s core ideal of equal opportunity, because it hampers upward mobility. High inequality correlates with low upward mobility. Studies are not conclusive because the speed of upward mobility is difficult to measure.

But even under the unrealistic assumption that its velocity is no different today than it was thirty years ago—that someone born into a poor or lower-middle-class family today can move upward at the same rate as three decades ago—widening inequality still hampers upward mobility. That’s simply because the ladder is far longer now. The distance between its bottom and top rungs, and between every rung along the way, is far greater. Anyone ascending it at the same speed as before will necessarily make less progress upward.

In addition, when the middle class is in decline and median household incomes are dropping, there are fewer possibilities for upward mobility. A stressed middle class is also less willing to share the ladder of opportunity with those below it. For this reason, the issue of widening inequality cannot be separated from the problems of poverty and diminishing opportunities for those near the bottom. They are one and the same.

Democracy. The connection between widening inequality and the undermining of democracy has long been understood. As former Supreme Court Justice Louis Brandeis is famously alleged to have said in the early years of the last century, an era when robber barons dumped sacks of money on legislators’ desks, “We may have a democracy, or we may have great wealth concentrated in the hands of a few, but we cannot have both.”

As income and wealth flow upward, political power follows. Money flowing to political campaigns, lobbyists, think tanks, “expert” witnesses and media campaigns buys disproportionate influence. With all that money, no legislative bulwark can be high enough or strong enough to protect the democratic process.

The threat to our democracy also comes from the polarization that accompanies high levels of inequality. Partisanship—measured by some political scientists as the distance between median Republican and Democratic roll-call votes on key economic issues—almost directly tracks with the level of inequality. It reached high levels in the first decades of the twentieth century when inequality soared, and has reached similar levels in recent years.

When large numbers of Americans are working harder than ever but getting nowhere, and see most of the economic gains going to a small group at the top, they suspect the game is rigged. Some of these people can be persuaded that the culprit is big government; others, that the blame falls on the wealthy and big corporations. The result is fierce partisanship, fueled by anti-establishment populism on both the right and the left of the political spectrum.

Why It Has Happened
Between the end of World War II and the early 1970s, the median wage grew in tandem with productivity. Both roughly doubled in those years, adjusted for inflation. But after the 1970s, productivity continued to rise at roughly the same pace as before, while wages began to flatten. In part, this was due to the twin forces of globalization and labor-replacing technologies that began to hit the American workforce like strong winds—accelerating into massive storms in the 1980s and ’90s, and hurricanes since then.

Containers, satellite communication technologies, and cargo ships and planes radically reduced the cost of producing goods anywhere around the globe, thereby eliminating many manufacturing jobs or putting downward pressure on other wages. Automation, followed by computers, software, robotics, computer-controlled machine tools and widespread digitization, further eroded jobs and wages. These forces simultaneously undermined organized labor. Unionized companies faced increasing competitive pressures to outsource, automate or move to nonunion states.

These forces didn’t erode all incomes, however. In fact, they added to the value of complex work done by those who were well educated, well connected and fortunate enough to have chosen the right professions. Those lucky few who were perceived to be the most valuable saw their pay skyrocket.

But that’s only part of the story. Instead of responding to these gale-force winds with policies designed to upgrade the skills of Americans, modernize our infrastructure, strengthen our safety net and adapt the workforce—and pay for much of this with higher taxes on the wealthy—we did the reverse. We began disinvesting in education, job training and infrastructure. We began shredding our safety net. We made it harder for many Americans to join unions. (The decline in unionization directly correlates with the decline of the portion of income going to the middle class.) And we reduced taxes on the wealthy.

We also deregulated. Financial deregulation in particular made finance the most lucrative industry in America, as it had been in the 1920s. Here again, the parallels between the 1920s and recent years are striking, reflecting the same pattern of inequality.

Other advanced economies have faced the same gale-force winds but have not suffered the same inequalities as we have because they have helped their workforces adapt to the new economic realities—leaving the United States the most unequal of all advanced nations by far.

What We Must Do

There is no single solution for reversing widening inequality. Thomas Piketty’s monumental book “Capital in the Twenty-First Century” paints a troubling picture of societies dominated by a comparative few, whose cumulative wealth and unearned income overshadow the majority who rely on jobs and earned income. But our future is not set in stone, and Piketty’s description of past and current trends need not determine our path in the future. Here are ten initiatives that could reverse the trends described above:

1) Make work pay. The fastest-growing categories of work are retail, restaurant (including fast food), hospital (especially orderlies and staff), hotel, childcare and eldercare. But these jobs tend to pay very little. A first step toward making work pay is to raise the federal minimum wage to $15 an hour, pegging it to inflation; abolish the tipped minimum wage; and expand the Earned Income Tax Credit. No American who works full time should be in poverty.

2) Unionize low-wage workers. The rise and fall of the American middle class correlates almost exactly with the rise and fall of private-sector unions, because unions gave the middle class the bargaining power it needed to secure a fair share of the gains from economic growth. We need to reinvigorate unions, beginning with low-wage service occupations that are sheltered from global competition and from labor-replacing technologies. Lower-wage Americans deserve more bargaining power.

3) Invest in education. This investment should extend from early childhood through world-class primary and secondary schools, affordable public higher education, good technical education and lifelong learning. Education should not be thought of as a private investment; it is a public good that helps both individuals and the economy. Yet for too many Americans, high-quality education is unaffordable and unattainable. Every American should have an equal opportunity to make the most of herself or himself. High-quality education should be freely available to all, starting at the age of 3 and extending through four years of university or technical education.

4) Invest in infrastructure. Many working Americans—especially those on the lower rungs of the income ladder—are hobbled by an obsolete infrastructure that generates long commutes to work, excessively high home and rental prices, inadequate Internet access, insufficient power and water sources, and unnecessary environmental degradation. Every American should have access to an infrastructure suitable to the richest nation in the world.

5) Pay for these investments with higher taxes on the wealthy. Between the end of World War II and 1981 (when the wealthiest were getting paid a far lower share of total national income), the highest marginal federal income tax rate never fell below 70 percent, and the effective rate (including tax deductions and credits) hovered around 50 percent. But with Ronald Reagan’s tax cut of 1981, followed by George W. Bush’s tax cuts of 2001 and 2003, the taxes on top incomes were slashed, and tax loopholes favoring the wealthy were widened. The implicit promise—sometimes made explicit—was that the benefits from such cuts would trickle down to the broad middle class and even to the poor. As I’ve shown, however, nothing trickled down. At a time in American history when the after-tax incomes of the wealthy continue to soar, while median household incomes are falling, and when we must invest far more in education and infrastructure, it seems appropriate to raise the top marginal tax rate and close tax loopholes that disproportionately favor the wealthy.

6) Make the payroll tax progressive. Payroll taxes account for 40 percent of government revenues, yet they are not nearly as progressive as income taxes. One way to make the payroll tax more progressive would be to exempt the first $15,000 of wages and make up the difference by removing the cap on the portion of income subject to Social Security payroll taxes.

7) Raise the estate tax and eliminate the “stepped-up basis” for determining capital gains at death. As Piketty warns, the United States, like other rich nations, could be moving toward an oligarchy of inherited wealth and away from a meritocracy based on labor income. The most direct way to reduce the dominance of inherited wealth is to raise the estate tax by triggering it at $1 million of wealth per person rather than its current $5.34 million (and thereafter peg those levels to inflation). We should also eliminate the “stepped-up basis” rule that lets heirs avoid capital gains taxes on the appreciation of assets that occurred before the death of their benefactors.

8) Constrain Wall Street. The financial sector has added to the burdens of the middle class and the poor through excesses that were the proximate cause of an economic crisis in 2008, similar to the crisis of 1929. Even though capital requirements have been tightened and oversight strengthened, the biggest banks are still too big to fail, jail or curtail—and therefore capable of generating another crisis. The Glass-Steagall Act, which separated commercial- and investment-banking functions, should be resurrected in full, and the size of the nation’s biggest banks should be capped.

9) Give all Americans a share in future economic gains. The richest 10 percent of Americans own roughly 80 percent of the value of the nation’s capital stock; the richest 1 percent own about 35 percent. As the returns to capital continue to outpace the returns to labor, this allocation of ownership further aggravates inequality. Ownership should be broadened through a plan that would give every newborn American an “opportunity share” worth, say, $5,000 in a diversified index of stocks and bonds—which, compounded over time, would be worth considerably more. The share could be cashed in gradually starting at the age of 18.

10) Get big money out of politics. Last, but certainly not least, we must limit the political influence of the great accumulations of wealth that are threatening our democracy and drowning out the voices of average Americans. The Supreme Court’s 2010 Citizens United decision must be reversed—either by the Court itself, or by constitutional amendment. In the meantime, we must move toward the public financing of elections—for example, with the federal government giving presidential candidates, as well as House and Senate candidates in general elections, $2 for every $1 raised from small donors.

Building a Movement

It’s doubtful that these and other measures designed to reverse widening inequality will be enacted anytime soon. Having served in Washington, I know how difficult it is to get anything done unless the broad public understands what’s at stake and actively pushes for reform.

That’s why we need a movement for shared prosperity—a movement on a scale similar to the Progressive movement at the turn of the last century, which fueled the first progressive income tax and antitrust laws; the suffrage movement, which won women the vote; the labor movement, which helped animate the New Deal and fueled the great prosperity of the first three decades after World War II; the civil rights movement, which achieved the landmark Civil Rights and Voting Rights acts; and the environmental movement, which spawned the National Environmental Policy Act and other critical legislation.

Time and again, when the situation demands it, America has saved capitalism from its own excesses. We put ideology aside and do what’s necessary. No other nation is as fundamentally pragmatic. We will reverse the trend toward widening inequality eventually. We have no choice. But we must organize and mobilize in order that it be done.


Assignment:
Explain which 3 of Reich's proposed solutions you feel would be most useful to reducing wealth inequality.  For each one, explain what you think the major obstacles are.  If you do not support any of the proposed solutions pick 3 and explain why they would not work or should not be implemented.  

Minimum 1 full paragraph.  

EMAIL YOUR RESPONSE TO ME AND POST IT AS A COMMENT BELOW (do not include your name on the comment!) 




Monday, October 28, 2013

The War for Nigeria

Picture of a scarred Nigerian church bombing victim
Janet Daniang, 15, bears scars from a 2012 church bombing by the Islamist militant group Boko Haram.

The War for Nigeria

A bloody insurgency tears at the fabric of Africa’s most populous nation.


By James Verini
Photograph by Ed Kashi

The ticket taker, who worked at Kano’s bus station, had his back to the blast. Before he heard it, it knocked him to the ground, and flame licked his head. He lay facedown, dazed, his ears ringing, blood streaming from a shrapnel wound in his leg, but still he knew instinctively what had happened: There was a bomb in the car.

The driver of the Volkswagen had acted strangely. After pulling into the dirt lot of the station, he and the man in the passenger seat had been approached by touts—ticket salesmen who compete for fares—and had told them, “We don’t know where we’re going.” But when the ticket taker went up to the car, the driver said, “We already bought tickets.” Not thinking much of it, the ticket taker walked away.

And then—boom.

As his ears stopped ringing, the screaming grew louder. He got up, and through the thickening black smoke he saw people staggering away from the buses. Burning bodies hung from what had been their windows. Moments before, they had been sleek, new 60-seaters waiting to head to points south. Now they were a pyre, like some awful ancient ritual offering. On the ground around him the ticket taker saw the corpses and remains of passengers, of the touts, his colleagues, the women who sold boiled cassava and roasted fish from plastic tubs carried on their heads. Friends he saw every day were now “separate people parts,” as he put it to me.

He looked down at his leg and saw that he too was on fire. Frantically, he pulled off his clothing. Then he made his way out of the lot, one in a crowd of unclothed people stumbling out of the clouds of black smoke billowing from the station. “I walked naked to the hospital,” he said. He lost consciousness along the way. Someone, he doesn’t know who, carried him on.

These survivors of a March 2013 bus station bombing in Kano were treated in city hospitals. Many of the dead were incinerated. Estimates of their numbers vary widely, but few believe the government’s toll of 22.


The ticket taker came to in a nearby hospital. Then he was transferred to Kano’s National Orthopaedic Hospital, where, the following week, I met him. (The hospital’s director would not allow me to ask his name.) His ward and two more were filled with victims of the bombing, and their wounds were eerily repetitive.

For those lucky enough to have escaped the worst, faces were singed, and skin was missing from arms and waists, stripped off with burning clothing. Those not as lucky were no longer visibly African; the outer layer of flesh had been burned from their bodies, leaving them looking—as some joked to each other, when it wasn’t too painful to move their mouths—like beke, the Igbo word for a white man. It was as though their identities had been taken.

One such man sat on his bed staring at the wall in an effort to withstand the pain, while nurses wrapped him in gauze. He turned and looked at me with an expression of such kindness that I smiled. I asked—the stupidity of my question apparent immediately—“Are you OK?”

“No,” he said calmly, and returned to staring.

When the car exploded, the same two words occurred to him, and to the ticket taker, and to every other person who saw or heard the blast, which could be heard on the other side of Kano, Nigeria’s second largest city: Boko Haram. That neither they, nor practically anyone else in Nigeria, knew what Boko Haram was exactly or why it would want to bomb a bus station was beside the point.

Officially, according to the Nigerian government, Boko Haram is a terrorist group. It began life as a separatist movement led by a northern Nigerian Muslim preacher, Mohammed Yusuf, who decried the country’s misrule. “Boko Haram” is a combination of the Hausa language and Arabic, understood to mean that Western, or un-Islamic, learning is forbidden. In 2009, after Yusuf was killed—executed, it’s all but certain, by Nigerian police—his followers vowed revenge.

The world is coming to the unwelcome realization that, 12 years after 9/11, violent Islamist extremism and the conflicts it ignites aren’t going away. Accompanying that is the equally unwelcome realization that these conflicts afflict, more than ever, Africa, a continent still unequal to the challenges of the 20th century, never mind this one. In the Sahel, home to al Qaeda in the Islamic Maghreb and to the jihadists who until recently controlled northern Mali, Boko Haram has emerged as the nastiest of a nasty new breed. Calling for, among other things, an Islamic government, a war on Christians, and the death of Muslims it sees as traitors, the group has been connected with upwards of 4,700 deaths in Nigeria since 2009. And although Nigeria, with 170 million inhabitants, is the continent’s most populous country (one in six Africans is Nigerian) and has sub-Saharan Africa’s second largest economy, even by its immense standards the carnage attributed to Boko Haram is immense.

So much so that unofficially, in the national collective consciousness, Boko Haram has become something more than a terrorist group, more even than a movement. Its name has taken on an incantatory power. Fearing they will be heard and then killed by Boko Haram, Nigerians refuse to say the group’s name aloud, referring instead to “the crisis” or “the insecurity.” “People don’t trust their neighbors anymore,” a civil society activist in Kano told me. “Anybody can be Boko Haram.” The president, Goodluck Jonathan, an evangelical Christian, wonders openly if the insurgency is a sign of the end times.

After the bus station bombing I twice traveled to Atakar, a hilly area in Kaduna state, where mass killings had been reported. Before the first visit I consulted officials. They hadn’t gone to Atakar and wouldn’t, because they believed Boko Haram was behind the killings. Everyone killed had been Christians, they assured me. “It’s not unconnected with the quest for the Islamization of the north,” one official said. “They want as much as possible to annihilate the Christians.”

In the first village I visited, I met a family huddled by their roofless, charred homes. They were, in fact, Fulani Muslims, and they claimed they’d been attacked by marauders from the other side of Atakar—Christians, they presumed. Some of them said the attack had been ethnically motivated, others religiously. A young man told me that the original incitement had to do with a poisoned cow. “We were attacked because we are Fulani—and because of the cow that died,” he said. He wasn’t being facetious: Northern Nigeria has endured decades of ethno-religious slaughter, often enough touched off by peccadilloes. In 2002, after a journalist remarked that the Prophet Muhammad would have approved of a beauty contest, riots left hundreds dead.

Later I traveled to the other side of Atakar and found that villagers there, Christians from the indigenous Ataka tribe, had also been attacked. They’d assembled in a refugee camp in a schoolyard. One man told me that he was in his home when he heard gunfire. He went outside and saw men dressed in black shooting “powerful guns.” He barely escaped with his life, he said. He was certain the attackers were Fulani, as was a neighbor who joined our conversation. When I asked the neighbor why, he said, “My people don’t wear black.” Both suspected the attackers were also Boko Haram, though why that group would want to assail this remote place they couldn’t say.

“We want to believe it’s Boko Haram,” a local aid worker told me, in such a way as to denote that life had become so incomprehensibly frightful in northern Nigeria that wanting to believe Boko Haram was involved was enough to make it so. “We don’t have any other information,” he said, expanding on the thought, “so we want to believe it’s Boko Haram.”

In his autobiography Ken Saro-Wiwa, the son of the Nigerian activist of the same name who was executed by the state on trumped-up charges in 1995, writes that “Nigeria should be God’s own country in Africa.” This could be dismissed as just more of Nigeria’s famous nativist braggadocio if its neighbors and its despairing partners in the West didn’t agree. That braggadocio—and a fierce ambition—are matched by the country’s resources, among them gas, minerals, good harbors, and fecund soil that once helped propel the British Empire. Nigeria boasts an educated middle class, industrious cities, a rowdy, if not exactly free, press.

The most lucrative of its resources, however, since its discovery in the 1950s, is crude oil. Nigeria is the world’s fifth largest exporter; yet nearly two-thirds of its citizens live in absolute poverty, meaning that they have just enough to not die. Oil has made government the best business venture in Nigeria, and because oil, and not taxes, accounts for most of the state’s revenue, it also makes politicians unanswerable. A newspaper last year estimated that since President Jonathan entered office in 2010, $31 billion have disappeared. “There’s been a failure of government at all levels historically in Nigeria,” a Western diplomat working there told me.

This failure is everywhere apparent, but nowhere as much as in Kano, once one of the great cities of Africa and of the Muslim world. Islam arrived with merchants and clerics in the 11th century (giving it a much longer history there than Christianity); the Hausa king of Kano adopted it in 1370. In 1804 a caliphate was established. The British toppled it in 1903 but retained its pliant emirs. Kano, the heart of regional trade since antiquity, became an industrial and agricultural hub. So well was the arrangement working for him, the Emir of Kano opposed Nigeria’s independence, gained in 1960. A half century later roughly half of Nigerians are Muslims, the vast majority living in the north.

The emir and the British kept out Western education and other advances but allowed in Christians from the south. Kano’s fortunes began to slide in the 1970s, and as they did, its lack of development—and the lack of oil in the north—grew more apparent. Current statistics are unnerving: More than half of children under five in northern Nigeria are stunted from malnutrition. In the northeast, where Boko Haram started, only a quarter of homes have access to electricity, which would be a bigger problem if more than 23 percent of women could read. In the 1980s, 1990s, and again in the early 2000s ethno-religious conflicts killed thousands. Then Boko Haram came in.

Today Kano feels like a weary garrison. Approaching it, you come to checkpoints every few hundred yards. Between them you pass farms left fallow by neglect and desertification and through the half-alive villages they used to support. In the city, urban desertification: streets, parks, plazas empty. Signs are gone from any place deemed vulnerable to attack, which, since the bus station bombing, is any place. At police headquarters the only notice, spray-painted on an exterior wall, instructs, “Do Not Urinate Here.”

The most visible figures of authority in the city, the only visible figures of authority, are the Joint Task Force units (JTFs)—paramilitary teams made up of police, soldiers, and agents from the State Security Service, Nigeria’s equivalent of the FBI, who patrol in reptilian armored vehicles and canopied pickups. They’re known for their brutality and venality and have become as feared as the insurgents in some quarters, particularly in poor Muslim districts.

The real power in Kano is hidden, conspicuously. Behind tall walls in the city center is the state government’s sprawling seat. In his office there, the governor, Rabiu Kwankwaso, greeted me from an archipelago of leather sofas. On one wall was a life-size painting of Kwankwaso; against another, a life-size stand-up cardboard cutout of him. In both he was wearing exactly what he had on when I met him: a white babban riga robe and red brimless cap, emblems of his Kano revitalization campaign, which he calls the Red Cap Revolution.

“I have no doubt in my mind that one day Nigeria will overcome it,” Kwankwaso told me, referring to Boko Haram. “How it will happen, it is difficult to say now.” A trio of aides nodded. “This is the time to listen even to foolish people, to hear what they are saying, because we don’t have answers.” Kano hasn’t upgraded its power grid in years, and as he talked, the lights went out. They came back on, and he continued. “You have to prevent violence. On the other hand, government has to do so many other things. What we are seeing is just a symptom of what has happened in the past.” After Kwankwaso’s first term in the governor’s office ended in 2003, he was indicted for embezzling $7.5 million in state funds. He was not prosecuted and in 2011 was elected again.

In Kano’s old walled city is the emir’s palace. Amid the poverty of his subjects, the emir, now 83, still lives very much like an emir. I wasn’t granted an audience with him, but one morning I was invited to look around the palace, a rumpus of alcoves and anterooms. I arrived alongside a busload of Gulf-state visitors filing in with gifts in duty-free bags. After convening with them, the emir emerged in a meringue of robes, mounted a horse, attendants shielding him with a giant, tasseled umbrella, and rode to his mosque. It used to be that anyone could come and watch these rituals. That ended in January, when men drove up alongside the emir’s Rolls-Royce, pulled out guns, and opened fire. Two of his sons were shot, several of his entourage killed.

The assurance of violence hangs in the air. While I was in Kano, there were near-daily reports of shootings and a series of botched bombings, including one at the palace. On Sunday mornings police park water-cannon trucks outside churches, and preachers inside talk about the “Lord’s battle” against Boko Haram; in nearby mosques clerics condemn Goodluck Jonathan’s “war on Islam.” On Easter a TV reporter friend of mine got a call. JTFs had raided a suspected Boko Haram hideout. He returned a few hours later with familiar footage: an orderly array of guns, bullets, and homemade bombs, and near it an orderly array of bodies of slain “militants.” Among the dead on this day I could see at least one woman and a child. The position of the bodies suggested that the people had either been piled together after being shot or were killed en masse.

There are various creation stories for Boko Haram. The most common I heard in Nigeria is this: In the early 2000s in the northeastern city of Maiduguri, Mohammed Ali, a preacher fed up with poverty and disorder, embarked on a hegira, a Muhammadan withdrawal from society. He and his followers created a commune and practiced sharia. After a dispute with authorities, the Nigerian Taliban, as they’d become known, attacked a police station. The army laid siege, and Ali was killed.

Survivors regrouped around a promising contemporary of Ali’s, Mohammed Yusuf. Yusuf built a bigger commune, described in a report as a “state within a state, with a cabinet, its own religious police, and a large farm.” He called his group Jamaa Ahl al Sunna li al Dawa wa al Jihad, or People Committed to the Propagation of the Prophet’s Teachings and Jihad. Possibly deriding Yusuf ’s religiosity, someone called it Boko Haram. Yusuf was carrying out forced conversions to Islam, according to reports, and likely ordered the murder of a rival. Nonetheless he gained sympathizers around Nigeria, not all of them Muslim. “Boko Haram is a resistance movement against misrule rather than a purely Islamic group,” one bishop said. Yusuf, a Maiduguri reporter told me, “was so charismatic. He could talk to people very gently, very simply,” but “when he preached, he acted. Overacted.”

In 2009 Yusuf’s followers clashed with security forces. The army shelled the commune. Yusuf had predicted that if he was ever arrested, he would be killed without trial, and that’s exactly what happened. Surviving devotees went into hiding. Some traveled abroad for training with other militants, and some regrouped in Kano around Abubakar Shekau, Yusuf ’s deputy. They set out to “liberate ourselves and our religion from the hands of infidels and the Nigerian government.” Northern Nigeria was overtaken by bombings, arsons, and shootings—at police stations and government offices, then at churches, mosques, schools, and universities—and by assassinations of officials, politicians, clerics, and others. The federal police headquarters in Abuja was suicide-bombed, then the UN compound. A residence of the vice president’s was shot up.

A deadly attack hit Kano on January 20, 2012. Waves of gunmen set upon police stations and State Security Service offices. The official estimate of the dead was 185, but according to Kano residents I spoke with, the real number was much larger. I was also told that some people risked their lives to gather outside police stations to cheer on the attackers, so despised are the authorities in Kano.

The resentment that impelled those residents is summed up in a favorite saying of Ken Saro-Wiwa’s, which his son likes to quote: “To live a day in Nigeria is to die many times.” The smallest tasks in Nigeria sap one’s dignity. En route to Kano, I flew through the Lagos airport, where the guard at the bag scanner shook me down for a bribe in front of his expressionless superiors. I refused. He negotiated: “Money for water?” I told him that if he really was thirsty, he could meet me in the snack bar. A half hour later he arrived, uniform gone, now in natty denim, two mobile phones in hand, and leaped into a chair with a “Here you are!” We talked for an hour. I ended up buying him water and lunch. He in turn called a friend who picked me up at the Abuja airport. “Anything you need,” the guard said as we parted, and he meant it.

Such is the polyphony of interaction in Nigeria—“affectionate extortion,” I heard it called. In a country that’s endured a civil war, six military coups, two assassinations of heads of state, and at least three crippling domestic insurgencies in just over 50 years of existence, and where contempt for leadership has hardened into a perverse kind of civic responsibility, this mixture of menace and generosity, officiousness and humor—the attitude that allows a man whose skin has been burned off to joke that he’s been turned white—is indicative of a certain flippancy, part of that Nigerian braggadocio. It’s also a way of keeping sane. And to that end it orders Nigerians’ complex perspective on sedition. They condemn Boko Haram and see its hypocrisy. As one soldier, a Muslim, said to me while guarding a church on Palm Sunday, “They say Western education is wrong. But that book you’re reading, how was it made? That pen you’re using, how was it made? That gun you have, where was it made?” But they pay Boko Haram a grudging deference too. They know well the frustration that would drive someone to take up arms against the state.

This deference takes subtle forms. On Kano street corners vendors sell DVDs of insurgent attacks downloaded from the Internet. Saying Boko Haram aloud is discouraged, but you can refer to the Boko Boys, or BH, as though it were some hot rap act.

The extent of the insurgency’s strange effects on the Nigerian psyche became apparent as I looked into the bombing at the bus station. Unlike Boko Haram’s signature attacks, this one was indiscriminate, meant to kill as many as possible, whoever they were. But theories about its meaning vary. Kano is majority Hausa and Fulani, but Sabon Gari, the district where the station is located, is home to many Igbo. They tend to be Christian, and they operate the bus lines. So the most widespread theory is that the bombing was an attack on Igbo Christians. “To me it’s an extension of killing Christians in their churches,” a security officer in Abuja told me. A traditional Igbo leader in Sabon Gari who goes by Chief Tobias said, “Igbos were the target.”

But this theory goes only so far. The bus operators are Igbo, yes, as were many of the passengers and station workers who died. But many others were not. Some were Hausa or Fulani, some, possibly, Kanuri, the majority ethnicity of Boko Haram’s originators. Sabon Gari is home to most of Kano’s churches, but it also has many mosques. It is the most diverse part of Kano, a throwback to the city’s old cosmopolitanism, and on a given day any number of the 250 or so ethnic groups that make up Nigeria might be represented there.

A prominent former Kano parliamentarian, Junaid Muhammad, a Muslim, told me that Chief Tobias’s claim was ridiculous. “You cannot tell your bullet or your bomb, ‘Go and hit an Igbo man’ or ‘Go and hit a Hausa man.’” I went to see Boniface Ibekwe, the supreme leader of the Igbo in Kano and a Christian, and was surprised to find he agreed. “It’s not a direct attack on Igbos,” he said. “Boko Haram’s objective is to get where people are gathered together and destroy it.”

Some people believe the bus station was bombed because it is a center of commerce. It represents the influx of foreign goods, foreign ideas, impious ideas. Others wonder if the bombing was meant to protest the economic dominance of the south over the north. Perhaps what Boko Haram really wants, one theory holds, is regional equity or a new northern nation. Among northern politicians, secession is an oft talked about, if impracticable, idea.

One thing everyone seems to agree on is that when the authorities got involved, the confusion increased. Take what ought to be the most basic fact: how many died. I spoke to one reporter who put the total around 30; another said around 40. Chief Tobias said 75. The real number will never be known, because no official account of the incident has been given. The government’s tally—22 dead—is a fiction.

The government won’t say who it suspects the bombers were, aside from Boko Haram; how the car bomb was made; or even whether there was only one bomb. Some witnesses claim there were two. Most people agree the car was a Volkswagen, but some—including the ticket taker—say it was an Opel. Some witnesses claim there were two people in the car, others three. According to local journalists, security forces removed corpses from the station as quickly as possible and moved survivors from one hospital to another in an effort to keep reporters away from them. The authorities “don’t want the public to know what is actually happening,” Nasir Zango, a Kano reporter, said.

Why? There are varying theories about that too. To head off reprisal attacks. To protect their jobs. Because they deceive a lot. The most common explanation offered to me, and the most troubling, is that security forces didn’t properly investigate the bombing because they can’t. They don’t have the training or the experience, not to mention the interest. They don’t have the equipment to analyze bomb fragments or the intelligence networks to lead them to the bombers. Often police don’t even bother taking statements from witnesses after attacks, I was told.

Still, the government and the press are equally quick to pin any violence in the north on Boko Haram. For the former, it distracts from mendacity and ineptitude. For the latter, it provides copy. Privately many people agree that criminals have found in Boko Haram a perfect cover. The result of all this no longer stops at confusion. “You begin to think it’s as though someone’s hellbent on seeing these problems continue,” Lawan Adamu, another Kano reporter, said. “The conflict, the crisis, is taking a very big dimension that is really making many of us start thinking or believing that there is a conspiracy. Many people have said this before, and I didn’t want to believe, but now I’m starting to.”

Ken Saro-Wiwa the younger, who now is (in a perfect Nigerian irony) an adviser to President Jonathan, told me that Boko Haram is “typically Nigerian, in that it started as an ideological movement. Then it was co-opted by political opportunists. Then it was mixed with economic issues. And now it’s muddied, so that you can’t tell what it’s about.”

When I asked a local community leader in Atakar why no state officials had come to the attacked villages there, he said, “Why would they come? They are the sponsors of these things.” And was Boko Haram involved? “Why not?” he said. “What is the difference?”

It was a sentiment I heard again and again. Almost no Nigerian I spoke with believes Boko Haram is just Boko Haram. Some claim it’s the creation of Wahhabis from the Gulf states; others, of “the West.” Still others believe Boko Haram is backed by northern politicians vying for power; or by southern politicians who want to destabilize the north; or by people in President Jonathan’s party who want to unseat him; or by Jonathan himself, in an effort to cancel elections in the north; or, if not by him, by the people around him. In fact, Jonathan apparently believes the last. In a moment of unbuttoned paranoia at a church service last year he said, “Some [Boko Haram] are in the executive arm of government, some of them are in the parliamentary/legislative arm of government, while some of them are even in the judiciary. Some are also in the armed forces, the police, and other security agencies.”

And some Nigerians say that Boko Haram doesn’t exist at all. “We believe Boko Haram is a political expression,” Chief Tobias said. “We don’t believe there is an organization Boko Haram.”

As I continued reporting, it became apparent that the insurgency’s gravest toll on Nigeria isn’t physical. It’s existential. Boko Haram has become a kind of national synonym for fear, a repository for Nigerians’ worst anxieties about their society and where it’s headed. Those anxieties touch on the most elemental aspects of Nigerian life—ethnicity, religion, regional inequities, the legacy of colonialism—and not least is the anxiety that Nigerian leaders are wholly incapable of facing this insurgency, indeed unwilling to face it, much less the social fissures beneath it. Or worse, that the leaders are no better than the insurgents. That the state is Boko Haram.

In the city of Kaduna people scavenge amid trash heaps. Nigeria is the world’s fifth largest oil exporter, but nearly two-thirds of its citizens are abjectly poor. The north, long neglected by the central government, is especially bleak.





It’s not an entirely unreasonable supposition. Of the more than 4,700 killings associated with Boko Haram to date, almost half have been at the hands of security forces, according to Human Rights Watch. Many of those killed have been civilians who were just in the wrong place at the wrong time. As the insurgency gets more vicious, so does the government. In July suspected Boko Haram militants set fire to a boarding school in Mamudo, killing 42 students and teachers. In April the military assaulted the village of Baga, claiming militants were hiding there. At least 200 were killed. Witnesses described soldiers gunning down people as they ran from their homes.

I interviewed people in Kano who claimed they’d been harassed, beaten, or shot by security forces. In my last days in Nigeria I went to Abuja, where I recounted their stories to a general, one of the main architects of the campaign against Boko Haram. He wasn’t moved. In fact he wouldn’t concede that there had been any abuses. When I pressed the point, he began yelling and pounding his desk. He said such stories were invented by journalists sympathetic to Boko Haram, including, he intimated, me. “We know there are some journalists deliberately siding with Boko Haram in this war!” said the general, who did not want to be named. “I have found some journalists, and they confessed to me they were deliberately siding with certain sides. Deliberately! Some based in Western countries.”

Calming down, he went on, “Look, it’s a shadowy war we are fighting.” To prove how shadowy, he showed me a video found in a raid. It showed Abubakar Shekau. Bushy-bearded, muscular, with a bit of a gut and a limp, the Boko Haram leader is training three young men to wield an AK-47. They’re in the closed courtyard of a residential building somewhere, maybe Kano. Children can be heard playing inside. Suddenly there’s a knock at the gate. Shekau lurches to a wall, as one young man lifts the rifle unsteadily, ready to fire. A man comes in, carrying a shopping bag. They know him. Everyone laughs with relief.

“You see, they could be anywhere, anywhere!”the general said. “Not only in the north—in the whole of the country! [Nigerians] still don’t understand the challenge—the real challenge—we’re facing, the seriousness of the situation. They don’t understand.”

As he said this, I thought back to the hospital in Kano and to a woman I met there. She’d been selling water in the bus station the day of the bombing. Her young daughter had been helping her. When the car exploded, the girl vanished. In the darkness the woman called out for her. When her daughter didn’t respond, she began looking for a body. When she couldn’t find a body, she looked for an arm, a leg, clothing, a shoe, anything. She found nothing. She told the police what had happened, but they didn’t care and ordered her to leave. The woman’s husband went to every hospital in Kano, to no avail.

“I never saw my daughter since that day,” she said. Dominant in her cracking voice as she said this were grief and confusion. But when she spoke of the police, another note took over. It was anger.

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1.  What is Boko Haram?  When and why was it formed? What are its goals?
2.  Describe the demography of Nigeria.  What ethnic and religious divides exist?
3.  Describe the economy of Nigeria.  What resources does it possess? What are its top exports? 
4.  What has been the Nigerian government's response to Boko Haram? Why has it been ineffective?
5.  What human rights are people in Nigeria being denied?
6.  What can and should be done to help solve Nigeria's problems?