As I listen to friends of varied political persuasions, it seems that we all want 2016 to be a better year than the one we just completed; but many of us are predicting a miserable future.   Being dissatisfied and angry won’t fix problems.  Neither will arguing about who to blame.  Instead, it is time to stop “predicting” the future and begin “creating” the one that we want.  We can do that by shifting our attention from all that is wrong to improving our nation with practical ideas that a majority of us can agree on.  Here are a few possibilities.

CAMPAIGN FINANCE REFORM:  We need to reduce the influence of big money without limiting free speech.  One solution is to create a national or state election website with a page for every elected office.  Only registered candidates for office would be allowed to post on the website.   Anything they post would remain until after the election, so any changes of position would be apparent.   Voters could see and judge whatever the candidates themselves say about issues and about each other.  Candidates could post written messages, photos, audio or video clips.  Their words would be unfiltered by Super-PACS, advertising or news media.  This is an inexpensive and easy way for candidates to campaign.  It would reduce the need for big advertising budgets.  And since everyone who is interested would have instant access to the candidates’ messages, there might even be fewer robo-calls.

INCOME DISPARITIES AND LACK OF OPPORTUNITY:  An economic map of America will show that extreme poverty persists across multiple generations within well defined geographic areas – some of them urban and others rural.  One solution is to make whatever government funded financial assistance we provide for housing portable so that people can use it anywhere.  Rather than building public housing, we could let those receiving assistance use housing subsidies to choose whatever private sector housing best meets their needs.  This change will allow them to migrate to places with jobs, grocery stores, good schools, public transportation and good public safety.  Families are much more likely to break out of the generational cycle of poverty if they are not  confined to communities devoid of opportunity and surrounded by underemployment, crime and other social ills.  This idea could be tested by gradual implementation to assure that it works as intended.  If it does, then we could expand it and eventually sell existing public housing for private use or re-development.

TAX REFORM:  Corporations are, at best, tax collectors, not tax payers.  All of the taxes that they pay are passed on to customers.  We might be better off treating their profits and losses as a per share pass-through of ordinary income to shareholders whether the actual cash is distributed or not.  This will have the effect of reducing the cost of American-made products and services in international markets, increasing exports and creating jobs.  By taxing corporate profits as income to the owners of the corporation,  we could maintain or increase the tax revenue that the government receives from corporate taxes.  Since our income tax is already graduated, the revised tax burden will be greater for the wealthy than for middle and low income families.  The only part of this idea that might become complicated is creating a mechanism to document profits to Americans from foreign corporations.

We could also create a small national sales tax (one half of one percent or less) on all financial instruments including stocks, bonds ETFs, credit default swaps, etc.  This tax would be only a modest burden to long term investors, including those saving for retirement but it would deter the high-frequency trading that creates wild swings in the value of our investments.  It would also bring in revenue to help us toward a balanced budget.

There is good news about America that we too easily forget:  We don’t have to agree on everything in order to improve.  We only have to begin seeing our problems as opportunities for improvement.  If we will do that, we will find radically practical ideas – if not mine then perhaps yours or someone else’s – to improve our lives.  In 2016 let’s resolve to build on our areas of agreement while we continue to debate our differences.