Texas is about to follow Arizona through the immigration gates of hell

AZ Central – The Arizona Republic – Opinion

Texas is about to follow Arizona through the immigration gates of hell

Phil Boas, Arizona Republic – December 4, 2023

To say the U.S.-Mexico border is in chaos is to actually understate the problem.

Some 2.5 million migrants have been encountered trying to illegally cross the border in fiscal 2023, topping the record of the year before.

As quickly as the state of Texas can put up razor wire to stop the influx, the federal government is cutting it down.

Democratic governors and big-city mayors in Illinois, New York and Massachusetts have screamed at the Democratic White House to get control as migrants flood their social services.

Even Jesse Jackson — yes, Jesse Jackson — is scolding the feds for failing to secure the U.S.-Mexico line.

“Laws need to be enforced at the border,” the long-time civil rights leader said, as reported by Politico on Thursday.

Texas mimics Arizona’s immigration law

Today in Arizona, U.S. Customs and Border Protection will temporarily close their crossing at Lukeville to free up agents to help manage the rising level of migrant encounters between ports of entry, reports Arizona Republic writer José Ignacio Castañeda Perez.

But the real madness comes from Texas, where Gov. Greg Abbott is poised to walk through the gates of hell by signing a bill that looks very much like Arizona’s notorious Senate Bill 1070, signed into law in 2010.

Texas Senate Bill 4 would make it a misdemeanor for a person from a foreign nation to illegally enter or attempt to enter Texas at a location other than a lawful port of entry.

“If a police officer has probable cause to believe a person crossed the Rio Grande, that person could be charged with a Class B misdemeanor, which carries a punishment of up to six months in jail, Texas Tribune reporter Uriel J. García explained.

“If the person has been previously convicted of entering Texas illegally under SB 4, the charge could be increased to a second-degree felony, which carries a punishment of two to 20 years in prison.”

Those convicted of the law would then be returned to a port of entry and ordered to return to Mexico. If they refuse, they could face a felony charge, Garcia explained.

Arizona Republicans argued this before

Tell me where you’ve heard this before:

SB 4 merely follows federal immigration law, the bill’s sponsor in the Texas House, Republican David Spiller, said.

That was the reigning argument when Arizona Republicans passed and signed into law SB 1070, meant to shrink the size of Arizona’s undocumented immigrant population through aggressive state enforcement of the federal law.

In time, much of that Arizona law was gutted by the federal court.

Spiller argues that SB 4 is significantly different than Arizona’s controversial law in that it would focus exclusively on people who have recently crossed the U.S.-Mexico border illegally into Texas, not the undocumented who have been living illegally in Texas for years.

The opponents of SB 4 are lining up to legally challenge the State of Texas if and when the bill becomes law. And they are not appreciating the distinctions Texas makes from Arizona’s beleaguered SB 1070.

“(This is) one of the country’s most radical anti-immigrant laws — EVER,” the ACLU of Texas said. “If Gov. Abbott signs #SB4 into law, we’ll sue.”

“Senate Bill 4 is the broadest, most invasive piece of legislation to ever potentially challenge the very nature of our federal and state power,” said Texas state Rep. Victoria Neave Criado, a Dallas Democrat and chair of the Mexican American Legislative Caucus.

“The power to enforce immigration is unquestionably, exclusively a federal power.”

The biggest problem with Arizona’s SB 1070

The problem with Arizona’s SB 1070 was that it opened fissures between the white and Latino communities in a border state where the Latino population is a significant and growing part of the community.

No matter how many assurances Arizona Republicans offered that SB 1070 would not target legal citizens, Latino citizens and their allies were unconvinced.

They saw SB 1070 as a target on the back of every person with brown complexion. Feelings were raw. And many Latino citizens talked about leaving the state.

Then-President Barack Obama stood with then Mexican President Felipe Calderón to oppose Arizona’s law.

“In the United States of America, no law-abiding person — be they an American citizen, a legal immigrant, or a visitor or tourist from Mexico — should ever be subject to suspicion simply because of what they look like.”

The times have changed on immigration

Already, the office of Mexico Foreign Minister has said in a statement that the proposed Texas law “categorically rejects any measure that allows state or local authorities to detain and return nationals or foreigners to Mexican territory.”

Good luck trying to send detained migrants back to Mexico, immigration experts tell the Texas Tribune. Mexico is under no obligation to receive those people.

“In fiscal year 2023, about 83% of the 1 million immigrants encountered by Border Patrol on the Texas-Mexico border were not Mexican citizens,” the news organization reported. “Many are coming from Central and South America, Asia or Eastern European countries.”

Without a doubt the earth is shifting on immigration.

During the 2010s when SB 1070 made Arizona a national flash point, you did not hear the howls of Democrats worried about unchecked immigration.

Democratic cities were lining up to boycott Arizona, along with national conventions and arts and entertainment, including Kanye West and Rage Against the Machine.

The real damage was eroded trust

But the boycotts never did real damage to Arizona. The real damage was the erosion of trust between Latinos and the majority white population.

Much of the white business establishment had begun to see this too late and tried to fend it off, but the damage was done. I remember this newspaper entertaining a delegation of some of the most distinguished Latinos in our state speaking to us with real anguish and fear.

The federal court would dispense with much of the law, and it was never enforced. But both parties would work for a decade to avoid the wrenching emotions of that time.

Gallego is proof: Border politics have reached a tipping point

For a decade after, Arizona’s GOP-dominated Legislature and governor’s office steered cleared of similar iron-fist immigration measures.

Many of the politicians who pushed SB 1070 would eventually be driven from office, and the author of the bill, Russell Pearce, would see his gambit to follow SB 1070 with roughly a half-dozen follow-up bills unravel.

Working behind the scenes to help Arizona’s moderate Republican lawmakers dismantle those follow-up Pearce bills was a retired judge of some note — former U.S. Supreme Court Justice Sandra Day O’Connor.

Learn from us, Texas. Don’t go there

Texas Republicans, like Arizona Republicans, aren’t likely to care about what Mexican officials think about our state immigration laws. They can thump sand.

They’re not likely to flinch at rock bands canceling concerts, or California cities boycotting them.

But they will feel the sting of their fellow Arizonans and Texans — Latinos who are their friends, colleagues, neighbors and family members — who feel betrayed by laws that no matter how you write them are likely to distinguish by race.

The Texas governor would be wise to learn from Arizona and its encounter with the abyss.

So far, President Joe Biden and his immigration officials have not commented on the Texas bill.

They may be waiting for the Texas governor to generously take from the White House the lightning rod that is illegal immigration.

Phil Boas is an editorial columnist.

The Average American Household Is A Millionaire With A Net Worth Of $1.06 Million, Why Do People Feel So Broke?

Benzinga

If The Average American Household Is A Millionaire With A Net Worth Of $1.06 Million, Why Do People Feel So Broke?

Jeannine Mancini – December 4, 2023

The Federal Reserve’s 2022 consumer finance survey unveils a striking picture of American prosperity, revealing that the mean net worth of the average household has ascended to $1.06 million, a 23% from $868,000 in 2019. This statistic, while impressive, masks a more nuanced and unequal economic landscape.

Despite the seemingly thriving financial status of American households, the reality is more complex, particularly for the middle class. The COVID-19 pandemic, which drastically impacted economic activities, didn’t halt the growth in family finances, particularly in net worth. Between 2019 and 2022, real median family income modestly grew by 3%, while the real mean family income saw a more significant 15% increase. These gains were predominantly enjoyed by the higher income brackets, amplifying existing income inequalities.

The period witnessed a 37% surge in real median net worth and a 23% rise in real mean net worth, marking the largest three-year increase in the history of the modern Survey of Consumer Finances. Yet, this aggregate growth masks the unequal distribution of wealth gains. Homeownership, often a key component of net worth, rose slightly to 66.1%, with the median net housing value jumping from $139,100 in 2019 to $201,000 in 2022. The growth in housing values contributed significantly to net worth increases but also exacerbated housing affordability issues, as median home values soared to more than 4.6 times the median family income.

Inequality is further highlighted in retirement plan participation and stock market investments. While over two-thirds of working-age families participated in retirement plans, the increases in account balances were mainly seen in families in the upper half of the income distribution. Similarly, stock market participation grew across all income groups, but the gains were substantially higher for those between the 50th and 90th percentiles.

report by USAFacts using Federal Reserve data underscores this disparity. The top 1% of households in America hold 26% of U.S. wealth. The wealth inequality becomes starkly evident when comparing asset distribution across income quintiles. The top 20% of earners hold over four times as much wealth as the fourth 20%, with the top 1% alone possessing more than half the wealth of the entire top 20%. The greatest asset disparity lies in stocks and mutual fund shares, where the top 1% has more in these investments than the rest of the top 20% combined. This disparity continues down the income quintiles, with the middle class having significantly less in stock wealth.

Mortgage debt burdens the middle class the most. For the middle 60% of earners, mortgage debt represents a larger percentage of their net worth compared to the top 1%. This burden reflects the challenges faced by the middle class in growing their wealth relative to higher earners.

Inflation and other economic pressures have led 64% of Americans to live paycheck to paycheck, struggling to cover day-to-day expenses. Many households are unable to cover a $400 unexpected expense, highlighting the lack of emergency funds for unforeseen circumstances.

Economic uncertainty has contributed to the continuous growth of consumer debt, adding to the financial strain on many Americans. The burden of student loan debt remains a significant issue, especially as payments resumed after the pandemic. Credit card debt, often with high interest rates, contributes to financial stress for many Americans.

The average length of car loans has also increased, indicating that Americans are taking longer to pay off vehicle purchases, adding to their financial burdens.

These factors, when combined with the skewed distribution of wealth and income highlighted in the Federal Reserve’s data, explain why many Americans may not feel the prosperity suggested by the average household net worth figure. Despite the overall increase in net worth, issues like debt, insufficient savings and the disproportionate growth of wealth among higher earners contribute to the feeling of financial strain among many.

The growing gap between the average American household’s perceived wealth and actual financial difficulties underscores the importance of financial advisers. This is especially true for the newly affluent earning between $150,000 and $250,000 a year, a group that might not usually seek financial advice. Financial advisers offer crucial insights and strategies to manage present financial challenges and prepare for potential asset growth. Their guidance ensures effective navigation through financial complexities, aiding households in aligning their financial realities with their goals and expectations.

Study reveals simple act could stave off 2 leading causes of death among adults: ‘Doesn’t need to be complicated’

The Cool Down

Study reveals simple act could stave off 2 leading causes of death among adults: ‘Doesn’t need to be complicated’

Erin Feiger – December 4, 2023

A quick walk a day may keep an early death away.

A study published in the British Journal of Sports Medicine found that as little as 75 minutes a week of moderately intense, non-occupational physical activity substantially lowers the risk of dying from certain types of cancer or heart disease, two of the leading causes of death among adults.

That’s just over an hour a week – and half the 150 minutes a week recommended by the CDC – of activity where your heart rate is 50% to 60% higher than when at rest.

You’ll know you’re at the right level of activity if you can speak while doing it but not sing, according to the CDC. So, while walking outside might make you feel like singing, in order to reap the health benefits of this walk, you’ll have to leave that to the birds.

This study is the largest ever done on this topic, pooling data from 196 articles and over 30 million participants from nearly 100 study groups, so the results are significant.

The Mayo Clinic agrees with its findings, stating that “physical activity doesn’t need to be complicated. Something as simple as a brisk daily walk can help you live a healthier life.”

This is good news for a large part of the population who find it difficult to carve out 30 minutes a day, five days a week, to commit to a strenuous workout.

Being able to walk in nature, or at least in a park or among trees, has added physical benefits, too.

An article by Lincoln Larson and Aaron Hipp of North Carolina State points out that “nature-based programs can even be prescribed by health care providers as part of alternative, cost-effective treatment plans.”

However, a brisk 10-minute walk among trees is likely not an option for over 80% of the population in the United States and over 50% of the world’s population who live in urban centers or urban heat islands.

Creating more green space and more walkable cities would not only allow more people to easily achieve this health benefit, but it would also reduce pollution caused by cars.

If a 10-minute walk isn’t an option for you, then find something that is, like dancing, biking, or swimming.

With Offices Sitting Empty, Landlords Are ‘Handing Back the Keys’

The New York Times

With Offices Sitting Empty, Landlords Are ‘Handing Back the Keys’

Peter Eavis  – December 2, 2023

The deadline for spending the money in the health accounts is approaching, and people are stretching the definition of eligible expenses. (Melanie Lambrick/The New York Times)
The deadline for spending the money in the health accounts is approaching, and people are stretching the definition of eligible expenses. (Melanie Lambrick/The New York Times)

Office landlords, hit hard by the work-from-home revolution, are resorting to a desperate measure in the real estate world: “handing back the keys.”

When this happens, the landlord stops paying the mortgage on the office building or declines to refinance it. The bank or investors who made the loan then repossess the building.

Some of the biggest names in commercial real estate, like Brookfield and Blackstone, have defaulted on mortgages and have started or completed the process of handing back the keys on office towers. The tactic reveals both the depth of the problems in the office market and the ability of big property companies to push much of the financial pain onto others — in this case, banks and other lenders.

Since the pandemic began, office employees showed they could get their jobs done from home, and many have been reluctant to come back. And companies realized they could save a lot of money by renting less office space, making many office towers unprofitable for their owners and turning many business districts into ghost towns. About 23% of office space in the United States was vacant or available for sublet at the end of November, according to Avison Young, a real estate services firm, compared with 16% before the pandemic.

Handing back the keys is a drastic move, but it makes sense because it can limit a landlord’s losses on a building.

Take a property company that bought an office tower for $100 million just before the pandemic, investing $25 million of its own money and borrowing $75 million. If the building is hemorrhaging tenants and now has a value of $45 million, the landlord’s initial investment could be worth zero — and the lower rent income may not be enough to cover the building’s costs.

Rather than continue to pay interest and other expenses, the landlord can decide to default on the loan, which means the lenders get the beleaguered building. And in theory, the lenders could end up with a $30 million loss — the difference between the amount they lent ($75 million) and the resale value of the building ($45 million).

Today’s handing back the keys is reminiscent of the term “jingle mail,” which became notorious after the financial crisis of 2008 when homeowners abandoned their homes — and supposedly sent their keys back to their banks — because their homes were worth far less than what they owed on the mortgage.

But there is a difference: Big property companies can keep doing business after they default and are even considered savvy for jettisoning distressed buildings. But homeowners who stopped paying their mortgages suffered a huge hit to their credit ratings and had to find somewhere else to live.

‘We do not have insurance. We have an insurance bill’: Condos hit with 563% rate increase

USA Today

‘We do not have insurance. We have an insurance bill’: Condos hit with 563% rate increase

Mark Harper, USA TODAY – December 2, 2023

Marbella Condominiums Association board members (from left) Tom Baker, Jim Smith and Rob Lasch stand outside their beachside home, where property insurance has increased more than 500% since two hurricanes caused damage to the structure's back patio and pool in 2022.
Marbella Condominiums Association board members (from left) Tom Baker, Jim Smith and Rob Lasch stand outside their beachside home, where property insurance has increased more than 500% since two hurricanes caused damage to the structure’s back patio and pool in 2022.

DAYTONA BEACH SHORES, Florida – Tom Baker lives in a retirement dream building: A spacious three-bedroom beachside condo with unobstructed morning sunrises, waves marking the time and the soft sand of comfort.

The retired Marine and Army veteran and his wife Joan moved here from the Tampa Bay area. She had a Daytona Beach timeshare they regularly visited. Ten years ago they moved to their retirement home: a fourth-story condo on the Atlantic Ocean.

“I absolutely love Daytona Beach,” he said. “I absolutely love where I live, and I love this building.”

Daytona Beach Shores condo owner Tom Baker sent a six-page memo to all of Florida's senators and representatives, seeking help to rein in property insurance costs. He said one of the 160 legislators, Sen. Jason Pizzo, D-Sunny Isles Beach, responded to him.
Daytona Beach Shores condo owner Tom Baker sent a six-page memo to all of Florida’s senators and representatives, seeking help to rein in property insurance costs. He said one of the 160 legislators, Sen. Jason Pizzo, D-Sunny Isles Beach, responded to him.

So why does he seem so angry? Two words: Property insurance.

For Baker and many other Florida condo owners, the very concept of insurance – to ease worries during times of distress – seems lost, especially after the 2021 collapse of the Champlain Towers South in Surfside and the two-punch combo of the 2022 hurricane season: Ian and Nicole.

The latter storms just over a year ago pounded a seawall outside the Marbella Condominiums, then destroyed a pool and deck area. And the Surfside disaster, which killed 98 people, shined a light on structural safety, delayed maintenance and the need for the state to enact more strict regulations to prevent future collapses.

As bad as all of that was, for Baker, the real disaster arrived in December 2022: the property insurance bill for Marbella, where he serves on the condo association’s board.

For the 24-unit building, property insurance jumped from $40,534 for 2022 to nearly $269,000 – a 563% increase. And Rob Lasch, another Marbella board member, said he’s expecting another increase when the policy offer arrives, which could be any day now.

And the increase came in spite of a history of Marbella, which was built in 2007, never having filed a claim, Lasch and Baker said. There was no claim filed for the $2 million damage on the condo’s ocean-facing deck.

“Nothing got paid out for the damage outside because it was the seawall, and nobody was insuring the seawalls,” Lasch said.

So Marbella residents are getting hit hard on both sides of the hurricane. They’re having to come up with the full amount to fix the damage, while also bearing the burden of increased rates.

Baker said his wife wants to move, leaving him to contemplate simply not buying property insurance for the building – something his fellow board members don’t support because it violates Florida law and would leave the board members personally exposed to lawsuits.

“In a minute, I wouldn’t pay another dime in property insurance, because it is illegal, it is immoral, and it’s wrong. You can’t justify this payment. This is out-and-out stealing. Theft,” he said. “And excuse me for being passionate. I am pissed.”

Other condo owners also see exponential rate hikes

Marbella isn’t alone. Many condo associations across the state have said they, too, have faced astronomical property insurance rate hikes.

Right next door, the 109-unit Grand Coquina Condo went from paying $207,000 for property insurance in 2022 to $680,000 for 2023, a 228% increase, said Jeff Sussman, the association’s treasurer.

That amounted to a $2,331 additional assessment per unit this year, while Sussman projects another assessment of between $3,000 and $6,000 per unit will be required in 2024.

The Grand Coquina Condominiums, 3333 S. Atlantic Ave., in Daytona Beach Shores, saw a 228% increase in property insurance rates in 2023, despite the fact that its insurer denied a water damage claim. The condo association is fighting that determination.
The Grand Coquina Condominiums, 3333 S. Atlantic Ave., in Daytona Beach Shores, saw a 228% increase in property insurance rates in 2023, despite the fact that its insurer denied a water damage claim. The condo association is fighting that determination.

Grand Coquina filed a claim seeking reimbursement for water damage its board members contend was caused by wind during the storms. The claim was denied, said Marro Porcelli, president of the Grand Coquina Condo Association Inc.

Grand Coquina hired an attorney and a structural engineer to challenge the denial. Board members expect they will receive a settlement offer.

“There’s a lot of fight left in us,” Porcelli said. “We’re not giving in to the criminals.”

Marbella is relatively new, built 15 years ago under strict building codes. As a result, it stands on 42 pylons that are 40 feet long and reach down to the hard core beneath the sand, Smith said.

In other words, residents there are confident if the building itself could withstand Ian and Nicole, it’s unlikely to crumble anytime soon.

And Smith said the deductible for any disaster is $1 million.

That leads Baker to question what the insurance is actually covering.

‘We don’t have insurance. We have an insurance bill’

“If a tornado came across this building and ripped the roof completely off, our deductible is more than the repair. If an atomic bomb goes off downtown, and blows this building down, we don’t collect because of the war clause,” Baker said.

The Marbella Condominium Association, 3343 S. Atlantic Ave., in Daytona Beach Shores, was hit with a huge insurance increase last year and faces another increase, even while property insurance did not cover some $2 million in damage caused by Tropical Storms Ian and Nicole.
The Marbella Condominium Association, 3343 S. Atlantic Ave., in Daytona Beach Shores, was hit with a huge insurance increase last year and faces another increase, even while property insurance did not cover some $2 million in damage caused by Tropical Storms Ian and Nicole.

“There is no way this building can collect,” he said. “This is a concrete building with sprinklers. You couldn’t burn the damn thing down if you built a bonfire inside. We do not have insurance. We have an insurance bill.”

Baker has written to all 160 state lawmakers as well as 15 news organizations about the plight of condo owners. He went to Tallahassee during this year’s session.

“I learned something a long time ago in the military,” he said. “If you make a complaint, have a suggestion on how to fix it, OK?”

He’s proposed dropping the requirement that condos purchase insurance. And he’s also talked about condos finding a way to self-insure.

Mostly, Baker said his pleas have been ignored.

Baker met with Rep. Tom Leek, R-Ormond Beach, who was receptive to at least one of his ideas. The office of Sen. Jason Pizzo, D-Sunny Isle Beach, responded to a packet of information Baker mailed to all lawmakers. But otherwise, he’s heard nothing.

Baker said he’s most disappointed in Sen. Tom Wright, R-New Smyrna Beach, who represents Daytona Beach Shores.

“For one year, I’ve been trying to get an appointment with Sen. Wright,” Baker said. “I even went to his office. He walked right past me. He didn’t extend me the courtesy of shaking my hand.”

Wright did not respond to a request for comment.

Leek, whose district includes Daytona Beach Shores, likes at least one of Baker’s ideas.

Is self-insuring a good idea?

“We are actively finding ways to help the Florida consumer, and allowing condominium associations to self-insure is a good idea. In fact, measures that increase competition in the insurance market and drive more carriers into Florida will benefit consumers,” he wrote.

Mark Friedlander, Florida spokesman for the Insurance Information Institute, said Florida has long had a complicated relationship with property insurance, and it got more challenging with the Surfside collapse and the hurricanes of 2022.

Many of the insurers that offer condo coverage started to pull back from the Florida market due to increased risk at the older coastal properties, Friedlander said in an email.

“The insurers that remained enhanced their underwriting criteria. This began the trend of significant premium increases for master association coverage,” he said.  “Insured losses incurred from substantial property damage generated by hurricanes Ian and Nicole last year further impacted the availability and cost of master condo insurance,” Friedlander wrote.

In addition to “master policy costs” shared among all condo unit owners, individual condo owners living in high-risk properties are seeing their condo unit policy premiums increase substantially – 50% to 100% on average, he added.

Over the past two years, the Florida Legislature has passed a flurry of changes with the goal of resolving the property insurance crisis, so far to no avail.

Some of those measures include tweaking regulations related to Citizens Property Insurance Corp, the state-run insurer of last resort, authorizing actions to be taken by the Florida Office of Insurance Regulation, and cracking down on bad-faith claims.

In an early November special session, lawmakers allocated $181.5 million to the My Safe Florida Home Program, which provides homeowners a wind-mitigation survey and grant funds to make homes more sturdy.

Leek said he’s confident that what lawmakers have been doing has been done is working.

Rep. Tom Leek, R-Ormond Beach, speaks during a Volusia County Legislative Delegation meeting in DeLand in October. Leek, the House budget chair, says lawmakers are working to resolve Florida's property insurance crisis.
Rep. Tom Leek, R-Ormond Beach, speaks during a Volusia County Legislative Delegation meeting in DeLand in October. Leek, the House budget chair, says lawmakers are working to resolve Florida’s property insurance crisis.

“The Legislature’s insurance reforms are taking hold,” Leek wrote in response to questions. “New carriers are entering the Florida insurance market for the first time in years. Just this month, a new carrier entered the Florida condo association insurance market.

“It’s happening and it does take time, and we will continue to work to provide a climate of competition and choice,” he wrote.

Friedlander also referenced the new carrier as a positive sign: “Last week, Florida’s insurance regulator announced that a new insurer, the Condo Owners Reciprocal Exchange, will be entering the state’s market in 2024 and provide master condo policy coverage to associations. We hope this will be a first step toward stabilizing the market for this coverage.”

Condo owners socked with $64,000 in assessments

As a result of both sides of the property insurance problem – high rates and being awarded no claims for the damage, Marbella condo owners have each paid approximately $64,000 in HOA fees and assessments in 2023, said board President Jim Smith.

Tom Baker, a member of the Marbella Condominium Association Board, has been writing lawmakers, trying to get them to help stop property insurance rates from skyrocketing.
Tom Baker, a member of the Marbella Condominium Association Board, has been writing lawmakers, trying to get them to help stop property insurance rates from skyrocketing.

Baker acknowledges beachside condo owners – particularly those who have thus far been able to absorb the high insurance bills and the assessments to pay for damages – probably don’t attract much sympathy in Florida.

“Now us rich son-of-a-bitches, pardon me, we can manage somehow and get away with it,” he said.

But other condo owners have had their retirement dreams dashed, moving because of the high costs, while an exodus awaits if the problem isn’t contained, association board members say.

They appreciate what Baker has done to raise awareness of the problem.

“He’s taken this on, and he’s very passionate about it,” said Jim Smith, the Marbella Condo Association Board president.

Baker said: “People who moved down here on fixed incomes and bought themselves their final place now find themselves with an impossible bill.”

Chevy’s emotional holiday ad features a grandmother with Alzheimer’s engaging in reminiscence therapy. Here’s how it works.

Yahoo! News

Chevy’s emotional holiday ad features a grandmother with Alzheimer’s engaging in reminiscence therapy. Here’s how it works.

Kaitlin Reilly – November 30, 2023

A scene from Chevy's new holiday commercial.
A scene from Chevy’s new holiday commercial. (Chevrolet via YouTube) (Chevrolet via YouTube)

Get your tissues out: Chevy’s new Christmas commercial is here, and it might make you weep. It will certainly teach you a bit about a therapy that may help patients with Alzheimer’s disease and other conditions associated with dementia.

The commercial, which was created with assistance from the Alzheimer’s Association, focuses on an elderly woman suffering from the disease. In it, her granddaughter takes her on a jaunt in a 1972 Chevy Suburban, revisiting places from her youth as they listen to John Denver on an 8-track tape. As a result, the grandmother is able to recall some aspects of her life that initially had seemed lost.

It’s not just a sweet holiday story, though. As the company worked on the ad with the Alzheimer’s Association, they “talked a lot about reminiscence therapy,” Steve Majoros, Chevrolet’s head of marketing, told Ad Age. 

So, what exactly is reminiscence therapy, and how does it work?

Whether or not the granddaughter in the ad is aware of it, she and her grandmother are engaging in reminiscence therapy — a kind of psychotherapy that involves helping people recall older memories using both conversation and sensory engagement, according to VeryWell Mind.

It may include listening to a song that has an important resonance — in the commercial, it’s Denver’s “Sunshine on My Shoulders” — or it could be eating a favorite childhood dessert or even smelling the cologne of a loved one.

https://youtube.com/watch?v=xnZGEUA4oBk%3Frel%3D0

Reminiscence therapy is credited to the work of Dr. Robert Butler, a psychiatrist in the field of geriatric medicine in the 1960s, and is sometimes called life review therapy. It can be a helpful tool for people living with Alzheimer’s, though it is not used only for people with that condition.

As there is no cure for Alzheimer’s, the goal of reminiscence therapy is not necessarily to help people recall memories, but instead to improve their quality of life. Those patients typically struggle with short-term memory, which can cause considerable distress, but revisiting long-term memories, which are often intact in individuals with Alzheimer’s, can help improve self-esteem and reduce anxiety. It also can help improve the individual’s relationship with the person leading this kind of therapy, often their caregiver.

In that way, the Chevy commercial offers an accurate depiction of how reminiscence therapy can work. (It’s worth noting, though, that people with Alzheimer’s may not recall short-term memories, as the ad’s grandmother does when she realizes she’s due back for Christmas dinner.)

As Majoros told Ad Age, reminiscence therapy is not intended as a “cure or a solve” for Alzheimer’s and other memory-loss conditions, but it can “enable the person going through it to feel more comfortable — and the people that are the caregivers that are surrounding them to also feel more comfortable.”