#student loan forgiveness 2022

[lovelylifecents]

How to Apply for Student Loan Forgiveness: A Complete Guide (Only 8 STEPS)

Student loan forgiveness is a lifeline for borrowers struggling to repay their loans. If you’re burdened by student debt and wondering how to apply for student loan forgiveness, this guide is for you. We’ll demystify the process, outlining key steps and insights to help you navigate the journey to debt relief. Understanding Student Loan ForgivenessTypes of Student Loan Forgiveness ProgramsPublic…

[dontmean2bepoliticalbut]

[aniseandspearmint]

YO, PSA FOR ANYONE TRYING FOR THE STUDENT LOAN FORGIVENESS.

IT”S NOT GOOD NEWS.

It’s an NPR article so there’s also an audio version.

(article dated September 30th 2022)

[dontmeantobepoliticalbut]

A federal appeals court on Wednesday declined to put on hold a Texas judge’s ruling that said President Joe Biden’s plan to cancel hundreds of billions of dollars in student loan debt was unlawful.

The New Orleans-based 5th U.S. Circuit Court of Appeals rejected the Biden administration’s request to pause a judge’s Nov. 10 order vacating the $400 billion student debt relief program in a lawsuit pursued by a conservative advocacy group.

The decision by Fort Worth, Texas-based U.S. District Judge Mark Pittman was one of two nationally that has prevented the U.S. Department of Education under Biden from moving forward with granting debt relief to millions of borrowers.

The administration has asked the U.S. Supreme Court to similarly lift an order by the St. Louis-based 8th U.S. Circuit Court of Appeals that, at the request of six Republican-led states, had barred it from cancelling student loans.

Biden announced in August that the U.S. government would forgive up to $10,000 in student loan debt for borrowers making less than $125,000 a year, or $250,000 for married couples. Students who received Pell Grants to benefit lower-income college students will have up to $20,000 of their debt canceled.

During the 2020 presidential campaign, Biden promised to help debt-saddled former college students. Biden’s program has drawn opposition from Republicans, who have portrayed it as shifting the burden of debt from wealthy elites to lower-income Americans.

The Congressional Budget Office in September calculated that the debt forgiveness program run would cost taxpayers about $400 billion.

About 26 million Americans have applied for student loan forgiveness, and the U.S. Department of Education had already approved requests from 16 million by the time Pittman, an appointee of former Republican Donald Trump, issued his ruling.

[aintgottaprayforme]

fuck fuck fuck FUCK the supreme court

[afeelgoodblog]

Best News of Last Week - December 11

1. Biden administration to forgive $4.8 billion in student loan debt for 80,300 borrowers

The Biden administration announced on Wednesday that it would forgive an additional $4.8 billion in student loan debt, for 80,300 borrowers.

The relief is a result of the U.S. Department of Education’s fixes to its income-driven repayment plans and Public Service Loan Forgiveness program.

2. Detroit on pace to have lowest homicide rate in 60 years this year

A partnership to reduce Detroit crime is being praised with the City on pace for the fewest homicides in 60 years.

"This is the day we’ve been waiting for, for a long time," said Mayor Mike Duggan. The coalition which includes city and county leaders that Detroit Police Chief James White formed in late 2021 to return the criminal justice system in Detroit and Wayne County to pre-Covid operations.

3. Dog that killed 8 coyotes to protect sheep running for Farm Dog of the Year

Over a year ago, Casper was stacked up against a pack of 11 coyotes, and he overcame them all to protect the livestock at his Decatur home. Now he needs your help.

Casper, the Great Pyrenees livestock guardian dog, needs the public to vote for him to become the American Farm Bureau's "Farm Dog of the Year: People's Choice Pup" contest.

4. Shimmering golden mole thought extinct photographed and filmed over 80 years after last sighting

De Winton's golden mole, last sighted in 1937, has been found alive swimming through sand dunes in South Africa after an extensive search for the elusive species.

5. About 40% of the world's power generation is now renewable

The International Renewable Energy Agency (IRENA) and World Meteorological Organization (WMO) have released their first joint report to strengthen understanding of renewable energy resources and their intricate relationship with climate variability and change.

In 2022 alone, 83% of new capacity was renewable, with solar and wind accounting for most additions. Today, some 40% of power generation globally is renewable, due to rapid deployment in the past decade, according to the report.

6. Jonathan the Tortoise: World’s oldest living land animal celebrates 191st birthday

The world’s oldest living land animal - a Seychelles giant tortoise named Jonathan - has just celebrated his 191st birthday. Jonathan’s estimated 1832 birth year predates the invention of the postal stamp, the telephone, and the photograph.

The iconic creature lived through the US civil war, most of the reign of Queen Victoria, the rise and fall of the Soviet Union, and two world wars.

7. New enzyme allows CRISPR technologies to accurately target almost all human genes

A team of engineers at Duke University have developed a method to broaden the reach of CRISPR technologies. While the original CRISPR system could only target 12.5% of the human genome, the new method expands access to nearly every gene to potentially target and treat a broader range of diseases through genome engineering.

---

That's it for this week :)

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[tomorrowusa]

Don't risk a rerun of the 2000 election.

In the first presidential election of the 21st century many deluded progressives voted for Green Party candidate Ralph Nader.

Their foolishness gave us eight years of George W. Bush who plagued the country with two recessions (including the Great Recession) and two wars (one totally unnecessary and one which could have been avoided if he heeded an intelligence brief 5 weeks before 9/11).

Oh yeah, Dubya also appointed one conservative and one batshit crazy reactionary to the US Supreme Court. Roberts and Alito are still there.

Paul Waldman of the Washington Post offers some thoughts.

Why leftists should work their hearts out for Biden in 2024

Ask a Democrat with a long memory what the numbers 97,488 and 537 represent, and their face will twist into a grimace. The first is the number of votes Ralph Nader received in Florida in 2000 as the nominee of the Green Party; the second is the margin by which George W. Bush was eventually certified the winner of the state, handing him the White House. Now, with President Biden gearing up for reelection, talk of a spoiler candidate from the left is again in the air. That’s unfortunate, because here’s the truth: The past 2½ years under Biden have been a triumph for progressivism, even if it’s not in most people’s interest to admit it. This was not what most people expected from Biden, who ran as a relative moderate in the 2020 Democratic primary. His nomination was a victory for pragmatism with its eyes directed toward the center. But today, no one can honestly deny that Biden is the most progressive president since at least Lyndon B. Johnson. His judicial appointments are more diverse than those of any of his predecessors. He has directed more resources to combating climate change than any other president. Notwithstanding the opposition from the Supreme Court, his administration has moved aggressively to forgive and restructure student loans.

Three years ago the economy was in horrible shape because of Trump's mishandling of the pandemic. Now unemployment is steadily below 4%, job creation continues to exceed expectations, and wages are rising as unions gain strength. The post-pandemic, post-Afghan War inflation rate has receded to near normal levels; people in the 1970s would have sold their souls for a 3.2% (and dropping) inflation rate. And many of the effects of "Bidenomics" have yet to kick in.

And in a story that is criminally underappreciated, his administration’s policy reaction to the covid-induced recession of 2020 was revolutionary in precisely the ways any good leftist should favor. It embraced massive government intervention to stave off the worst economic impacts, including handing millions of families monthly checks (by expanding the child tax credit), giving all kids in public schools free meals, boosting unemployment insurance and extending health coverage to millions.

It worked. While inflation rose (as it did worldwide), the economy’s recovery has been blisteringly fast. It took more than six years for employment rates to return to what they were before the Great Recession hit in 2008, but we surpassed January 2020 jobs levels by the spring of 2022 — and have kept adding jobs ever since. To the idealistic leftist, that might feel like both old news and a partial victory at best. What about everything supporters of Bernie Sanders have found so thrilling about the Vermont senator’s vision of the future, from universal health care to free college? It’s true Biden was never going to deliver that, but to be honest, neither would Sanders had he been elected president. And that brings me to the heart of how people on the left ought to think about Biden and his reelection.

Biden has gotten things done. The US economy is doing better than those of almost every other advanced industrialized country.

Our rivals China and Russia are both worse off than they were three years ago. And NATO is not just united, it's growing.

Sadly, we still need to deal with a far right MAGA cult at home who would wreck the country just to get its own way.

Biden may be elderly and unexciting, but that is one of the reasons he won in 2020. Many people just wanted an end to the daily drama of Trump's capricious and incompetent rule by tweet. And a good portion of those people live in places that count greatly in elections – suburbs and exurbs.

Superhero films seem to be slipping in popularity. Hopefully that's a sign that voters are less likely to embrace self-appointed political messiahs to save them from themselves.

Good governance is a steady process – not a collection of magic tricks. Experienced and competent individuals who are not too far removed from the lives of the people they represent are the best people to have in government.

Paul Waldman concludes his column speaking from the heart as a liberal...

I’ve been in and around politics for many years, and even among liberals, I’ve almost always been one of the most liberal people in the room. Yet only since Biden’s election have I realized that I will probably never see a president as liberal as I’d like. It’s not an easy idea to make peace with. But it suggests a different way of thinking about elections — as one necessary step in a long, difficult process. The further you are to the left, the more important Biden’s reelection ought to be to you. It might require emotional (and policy) compromise, but for now, it’s also the most important tool you have to achieve progressive ends.

Exactly. Rightwingers take the long view. It took them 49 years but they eventually got Roe v. Wade overturned. To succeed, we need to look upon politics as an extended marathon rather as one short sprint.

Republicans may currently be bickering, but they will most likely unite behind whichever anti-abortion extremist they nominate.

It's necessary to get the word out now that the only way to defeat climate-denying, abortion-restricting, assault weapon-loving, race-baiting, homophobic Republicans is to vote Democratic.

[foxgirlmoth]

Okay, lets go through this apparent list of positives that Biden is in favor of.

Trans Rights: There have been multiple laws within states to fully close off especially trans kids rights to medical treatments and more. This is extremely current. Biden puts in minimal effort to look like he's doing anything at all for trans and queer rights, and there haven't really been any efforts aside from doing one or two proposals that immediately get shot down, and he's more than okay with that, hence why there's no longer really any push for this shit still. If you're trans, you can't piss in Utah without the risk of getting a fine right now. Even though these are state laws, the fact that there's been nearly zero effort federally to address this besides the title IX rule, speaks a lot about priorities in this area.

Abortion Access: Are we just forgetting the whole Roe V Wade getting overturned thing that happened in 2022? Are you really trying to say that this is good for abortion access? Abortion access has gotten actively worse.

Environmental Reform: Biden has endorsed extreme oil drilling projects and in general oil companies still love him! Not to mention the train crashes which we'll get to later.

Healthcare Reform: Covid-19 is still around and is sadly predicted to stay around for a long while. Healthcare is still private and a competitive field in the US and that causes major issues as well. If you look this up, you see articles titled along the lines of "Biden has lowered the cost of insurance" and meanwhile it just dropped in 2020 once during the pandemic but has been growing in cost.

Prescription Reform: Reading into this, not much has changed, which isn't surprising under genocide Joe. Drugs in the US are still higher than anywhere else in the world, and with healthcare issues still abundant, this is still a big issue.

Student Loan Forgiveness: Student debt is still extremely high in the US, and while Biden has rolled out some plans for forgiveness, it's a fraction of the debt, and he primarily uses the whole thing to win over swing states. This is a dangling carrot that provides very little overall.

Infrastructure Funding: Train crashes from 2020-present, worldwide, but notice the amount of US crashes! Neat! Quite literally just look up train crashes in the US during his presidency, there's too many to link here. It is also important to remember that Biden signed a bill to prevent rail strikes, preventing a lot of pressure to the government and the economy, which would have been a GOOD THING. Seriously, this guy has fucked up our environment and our rights in multiple ways.

Advocating Racial Equity: Structural racism within the US is still a huge problem, Biden hasn't addressed much. Also people are still in cages on the Mexico/US border (Which has been maintained by every president in office since it was established), with a very recent crackdown on the border.

Diversity, Equity, and Inclusion: Just. Look at the racial equity and trans rights sections above. Biden does the bare minimum, loves focusing on swing states, and all around uses the ol' carrot on a stick.

Vaccines and Public Health: Once again look above at sections on healthcare, abortion access, and prescription reform. Its bad. Remember how Covid-19 vaccines aren't being continued for free?

Criminal Justice Reform: This is just structural slavery still. Disproportionate amounts of black people are incarcerated, police are still heavily funded under Biden. He does not care about reforming the justice system, he even supports cops breaking up campus protests! Cool!

Military Support for Israel: Yup! Both sides suck! Biden has a very long history of sure hating Arabic countries though! He's done nothing but ship weapons and participate in the genocide of Palestinian people. Would Trump also do this? Yes. Does this mean this is an issue you should just drop and call a non-issue? No, what the hell are you talking about.

Israel/Hamas Ceasefire: Netanyahu has no plans to accept any actual ceasefire, yet Biden still provides weapons and support. Wow! That sure is weird? I wonder if Biden really cares about a ceasefire or how he just looks publicly.

Biden is not a good president, much less a good human being. You provided such a flimsy chart with zero resources or support behind you, and it just feels like people are just making shit up at this point. Get your heads out of the liberal cesspool you grew up in.

[simply-ivanka]

Harris and Schumer Target the Supreme Court

Democrats make clear that if they win, they’ll push measures to destroy the judiciary’s independence.

By 

David B. Rivkin Jr. and Andrew M. Grossman -- Wall Street Journal

Democrats have made clear that if they win the presidency and Congress in November, they will attempt to take over the Supreme Court as well. Shortly after ending his re-election campaign, President Biden put forth a package of high-court “reforms,” including term limits and a “binding” ethics code designed to infringe on judicial authority. Kamala Harris quickly signed on, and Majority Leader Chuck Schumer has made clear that bringing the justices to heel is a top priority.

Democrats proclaim their devotion to democratic institutions, but their plan for the court is an assault on America’s basic constitutional structure. The Framers envisioned a judiciary operating with independence from influences by the political branches. Democratic “reform” proposals are designed to change the composition of the court or, failing that, to influence the justices by turning up the political heat, as President Franklin D. Roosevelt achieved with his failed 1937 court-packing plan.

Now as then, the court stands between a Democratic administration and its ambitions. The reformers’ beef is precisely that the court is doing its job by enforcing constitutional and statutory constraints on the powers of Congress and the executive branch.

Roosevelt sought to shrug off limits on the federal government’s reach. What’s hamstrung the Obama and Biden administrations is the separation of powers among the branches. President Obama saw his signature climate initiative, the Clean Power Plan, stayed by the court, which later ruled that it usurped Congress’s lawmaking power. The Biden administration repeatedly skirted Congress to enact major policies by executive fiat, only for the courts to enjoin and strike them down. That includes the employer vaccine mandate, the eviction moratorium and the student-loan forgiveness plan.

That increasingly muscular exercises of executive power have accompanied the left’s ascendance in the Democratic Party coalition is no coincidence. The legislative process entails compromise and moderation, which typically cuts against radical goals. That was the lesson self-styled progressives took from ObamaCare, which they’ve never stopped faulting for failing to establish a government medical-insurance provider to compete directly with private ones. Similarly, Congress has always tailored student-loan relief to reward public service and account for genuine need.

Then there’s the progressive drive for hands-on administration of the national economy by “expert” agencies empowered to make, enforce and adjudicate the laws. The Supreme Court has stood as a bulwark against the combination of powers that James Madison pronounced “the very definition of tyranny.” Decisions from the 2023-24 term cut back on agencies’ power to make law through aggressive reinterpretation of their statutory authority, to serve as judge in their own cases, and to evade judicial review of regulations alleged to conflict with statute. By enforcing constitutional limits on the concentration of power in agencies, the Roberts court has fortified both democratic accountability and individual liberty.

That explains the Democratic Party’s attacks on the court. The New York Times’s Jamelle Bouie recently praised Mr. Biden for identifying the court as the “major obstacle to the party’s ability” to carry out its agenda and commended the president’s “willingness to challenge the Supreme Court as a political entity.” That explains the ginned-up “ethics” controversies: The aim is to discredit the court, as has become the norm in political warfare.

An even bigger lie is the refrain that the court is “out of control” and “undemocratic.” Consider the most controversial decisions of recent terms. Dobbs v. Jackson Women’s Health Organization (2022) returned the regulation of abortion to the democratic process. West Virginia v. EPA(2022) and Loper Bright Enterprises v. Raimondo (2024) constrained agencies’ power to say what the law is, without denying Congress’s power to pursue any end. Securities and Exchange Commission v. Jarkesy (2024) elevated the Seventh Amendment right to a jury in fraud cases over the SEC’s preference to bring such cases in its own in-house tribunals. And Trump v. U.S. (2024), the presidential immunity ruling, extended the doctrine of Nixon v. Fitzgerald (1982) to cover criminal charges as well as lawsuits, without altering the scope of presidential power one iota.

Meanwhile, the administrative state has scored wins in some of this year’s cases. In Consumer Financial Protection Bureau v. Community Financial Services Association, the justices rejected a challenge to the CFPB’s open-ended funding mechanism. A ruling to the contrary could have spelled the agency’s end. In Moody v. NetChoice, it reversed a far-reaching injunction restricting agencies’ communications with social-media companies seeking to censor content. And in Food and Drug Administration v. Alliance for Hippocratic Medicine, it reversed another injunction, against the FDA over its approval of an abortion pill. The last two decisions were notable as exercises of judicial restraint. In both cases, the court found the challengers lacked standing to sue.

What Mr. Biden, Ms. Harris, Mr. Schumer and their party are attempting to do is wrong and dangerous. They aim to destroy a branch of federal government. For faithfully carrying out its role, the court faces an unprecedented attack on its independence, beyond even Roosevelt’s threats. Unlike then, however, almost every Democratic lawmaker and official marches in lockstep, and the media, which were skeptical of Roosevelt’s plan, march with them.

As Alexander Hamilton observed, the “independence of the judges” is “requisite to guard the Constitution and the rights of individuals” from the actions of “designing men” set on “dangerous innovations in the government.” The political branches have forgone their own obligation to follow the Constitution, which makes the check of review by an independent judiciary all the more essential. Ms. Harris and Mr. Schumer would put it under threat.

Mr. Rivkin served at the Justice Department and the White House Counsel’s Office in the Reagan and George H.W. Bush administrations. Mr. Grossman is a senior legal fellow at the Buckeye Institute. Both practice appellate and constitutional law in Washington.

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Understanding debt:

Let’s End This Damaging Misconception About Credit Cards

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

How to Build Good Credit Without Going Into Debt

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

It’s More Expensive to Be Poor Than to Be Rich

Making Decisions Under Stress: The Siren Song of Chocolate Cake

How Mental Health Affects Your Finances

Paying off debt:

Kill Your Debt Faster with the Death by a Thousand Cuts Technique

Share My Horror: The World’s Worst Debt Visualization

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

The Debt-Killing Power of Rounding up Bills

A Dungeonmaster’s Guide to Defeating Debt

How to Pay Hospital Bills When You’re Flat Broke 

Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?” 

Slay Your Financial Vampires

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Student loan debt:

What We Talk About When We Talk About Student Loans

Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”

How to Pay for College without Selling Your Soul to the Devil

When (and How) to Try Refinancing or Consolidating Student Loans

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?” 

The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly 

Our Final Word on Student Loan Forgiveness 

Avoiding debt:

Ask Not How Much You Should Save, Ask How Much You Should Spend 

How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

Your Yearly Free Medical Care Checklist

Two-Ring Circus 

Status Symbols Are Pointless and Dumb 

Advice I Wish My Parents Gave Me When I Was 16 

On Emergency Fund Remorse… and Bacon Emergencies

Should You Increase Your Salary or Decrease Your Spending? 

Don’t Spend Money on Shit You Don’t Like, Fool

The Magically Frugal Power of Patience

The Only Advice You’ll Ever Need for a Cheap-Ass Wedding 

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It 

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash? 

The Bitches vs. debt:

I Paid off My Student Loans Ahead of Schedule. Here’s How.

I Paid off My Student Loans. Now What?

Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt

The Real Story of How I Paid Off My Mortgage Early in 4 Years

Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending 

That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????

[darkmaga-retard]

Twenty years ago, I jokingly proposed a constitutional amendment to require the U.S. government to obey the Constitution. President Biden has one-upped me with his proposal for a “No One is Above the Law” constitutional amendment. But Biden would have been more honest if he labeled his pitch the “No One is Above the Law Except Me” amendment.

The “No One is Above the Law” constitutional fix is as big a sham as the KamalaFlauge expunging of Vice President Harris’ political history.

In the same week that Biden trumpeted his proposed amendment, he announced new schemes to avoid complying with the Supreme Court ruling forbidding him from illegally and unilaterally forgiving hundreds of billions of dollars of federal student debt owed by 30 million people. Biden then openly bragged that the decision striking down his program “didn’t stop me” from canceling student-loan debt with one new scheme after another. No wonder almost half of student-loan debtors are not bothering to pay what they owe Uncle Sam.

The Biden administration presumed that federal policymakers are an elite automatically entitled to totally domineer Americans. Biden championed COVID vaccines as panaceas for the pandemic, promising that people who got injections would not get COVID. After vaccines massively failed to prevent COVID infections, the White House strong-armed the Food and Drug Administration to speedily bestow full approval on the Pfizer vax regardless of myocarditis problems. Biden then dictated that 100 million American adults must get those vaccines.

Biden derided the unvaxed as aspiring mass murderers who only wanted “the freedom to kill you” with COVID. In January 2022, the Supreme Court struck down Biden’s vaccine mandate for 84 million employees of large private companies. The Supreme Court also struck down Biden’s illegal extension of a COVID-era eviction moratorium, scoffing at the administration’s attempt to justify the edict via an old law dealing with “fumigation and pest extermination.” But the president’s team perpetuated the COVID emergency and all the additional powers for the White House as long as possible.

Americans have long groused about TSA agents browbeating them to “show your papers” prior to groin-grabbing “enhanced patdowns.” The Biden administration solved the paperwork problem by permitting illegal aliens to board domestic flights merely by showing their arrest warrants from the Department of Homeland Security. Sen. Jim Risch (R-Idaho) growled this year: “If an Idahoan gets a speeding ticket, they can’t use the ticket to board a plane, so why does the president seem to think an illegal immigrant’s arrest warrant is a valid form of identification to board a plane?”

[thatbadadvice]

Help! Everyone Can See My Tiddies, And By My Tiddies, I Mean Somebody Else’s Tiddies

The Ethicist, New York Times, 15 November 2022:

I’m proud of my wife and her breastfeeding of my son — I am so glad that they have been able to experience the bonding and health benefits that come with breastfeeding. My concern arises from the fact that my wife has posted photos online of her breastfeeding. These are not photos where everything happens to be conveniently covered up. You can see it all. I understand that my wife’s Instagram accounts are “private,” in that only connections/followers can see posts. These people range from family members, close friends of hers, close friends of mine, acquaintances and business contacts. I have asked her about the photos, and in particular what the thought process was behind posting them. She said that breastfeeding is something she is proud of and wants to share with her contacts.

I can’t claim that I understand the psychology behind posting such things on social media. To me it seems rather show-offy. But it’s part of our culture now, and I don’t need to understand it. I support efforts to normalize breastfeeding in society, but this feels like a step too far. That my friends and family are able to see such explicit photos of my wife makes me uncomfortable. But that alone would not be enough for me to push the issue. My major concern, which I raised with my wife, is that one day our son will be going to school, and school kids can be mean. Is it fair for those photos to live on accounts where parents of other children at the school, connected to my wife, could see the photos? Could this expose our son to unnecessary bullying? My wife’s response is, “Let’s discuss it with our son when he is old enough, and we can make a choice then.” My gut tells me that it would be more appropriate to remove the photos now, and when our son is old enough to discuss the matter with us, they can be posted with his consent at that time. What do you think? Name Withheld

Before we get to anything else: can we just take a moment to celebrate you for once? Because not everyone on earth would be proud of his breastfeeding wife, but you definitely are, and for that, my good sir, you deserve a major award. Humanity has achieved a number of feats over the millennia -- rescuing children from underwater caves, traveling to space, developing antibiotics -- but nothing quite captures our incredible capacity for goodness like a dude who just really thoroughly approves of his wife’s decision to breastfeed. Love to see a man who isn’t so cowed by “our culture” that he’s forced to hide how absolutely fine he is with children eating food.

But it’s “our culture” that is the problem, isn’t it? Sure, there’s nothing wrong with breastfeeding -- as you so eloquently said yourself, it has some upsides that you are gracious enough to be publicly supportive of -- and sure, it’s not a bad idea to normalize breastfeeding, but there’s a line, isn’t there? Surely your wife can find a way to normalize breastfeeding without showing her loved ones how she does it? She’s just over here like, “I’m proud of this and I don’t care what people say?” Feminism has really gone too far. Sure, every woman could use a little more pressure to do something different or better based on what other people think is best or what makes other people more comfortable, but mothers need a triple-dose these days, and your wife is a primo example. Normalizing breastfeeding is great! But there is such a thing as too normal. We can’t just make breastfeeding so normal that people just feel totally comfortable taking pictures of themselves while taking care of their children! What’s next? Universal child care?? Paid parental leave?? STUDENT LOAN FORGIVENESS??????

One appreciates that you’re worried about the very real possibility that, ten years from now, a child from your son’s school will go digging through his parents’ Instagram accounts looking for your wife’s profile and scroll backwards through a decade of her posts to identify his classmate as a baby and alert the local children. Sounds exactly like every fifth-grader I know.

But your concerns are misplaced.

It’s sweet that you’re willing to be so accepting of your wife literally keeping your baby alive by feeding it -- it really does show what a bold, forward-thinking man you are -- but it seems like you’re going out of your way not to name the elephant in the room. Or, really, the two elephants in the room. More aptly, the two elephants on Instagram: tiddies. Your wife is behaving as if her breasts, somehow, belong to her? Let’s just say what we’re all thinking: What is your wife doing putting your tiddies out there on the internet for everyone to see? It would be one thing if she were, as you note, “covered up” in such a way as to obscure literally everything about what she’s doing (a great way to normalize behavior!) but you said it yourself: “you can see it all.” And by “it all,” you mean your personal breasts! Just on display! Willy-nilly! “Show-offy,” if you will! 

It’s time to sit the little lady down for a serious discussion about her life choices -- not breastfeeding, breastfeeding is amazing! could not possibly be more supportive of breastfeeding! make no mistake! -- and ask her if she really thinks it’s appropriate to flaunt her benevolent master’s mammarial property all over the internet. There is a point after which a man must put his foot down to protect his own bodily autonomy -- you cannot allow your wife to just flop your jugs out there all over the internet, showing off Daddy’s fun bags to every Tom, Dick, and Harry! What right does she have to free your nipples? Sweatergod, it’s like one day women were permitted to open credit cards in their own name and then the next day they just lost their entire fucking minds.

Perhaps when your wife gets a little bit older, she will better understand what it means to post photos of her husband’s breasts on social media without his consent.  

[dontmean2bepoliticalbut]

[mostlysignssomeportents]

Rent control works

This Saturday (May 20), I’ll be at the GAITHERSBURG Book Festival with my novel Red Team Blues; then on May 22, I’m keynoting Public Knowledge’s Emerging Tech conference in DC.

On May 23, I’ll be in TORONTO for a book launch that’s part of WEPFest, a benefit for the West End Phoenix, onstage with Dave Bidini (The Rheostatics), Ron Diebert (Citizen Lab) and the whistleblower Dr Nancy Olivieri.

David Roth memorably described the job of neoliberal economists as finding “new ways to say ‘actually, your boss is right.’” Not just your boss: for decades, economists have formed a bulwark against seemingly obvious responses to the most painful parts of our daily lives, from wages to education to health to shelter:

https://popula.com/2023/04/30/yakkin-about-chatgpt-with-david-roth/

How can we solve the student debt crisis? Well, we could cancel student debt and regulate the price of education, either directly or through free state college.

How can we solve America’s heath-debt crisis? We could cancel health debt and create Medicare For All.

How can we solve America’s homelessness crisis? We could build houses and let homeless people live in them.

How can we solve America’s wage-stagnation crisis? We could raise the minimum wage and/or create a federal jobs guarantee.

How can we solve America’s workplace abuse crisis? We could allow workers to unionize.

How can we solve America’s price-gouging greedflation crisis? With price controls and/or windfall taxes.

How can we solve America’s inequality crisis? We could tax billionaires.

How can we solve America’s monopoly crisis? We could break up monopolies.

How can we solve America’s traffic crisis? We could build public transit.

How can we solve America’s carbon crisis? We can regulate carbon emissions.

These answers make sense to everyone except neoliberal economists and people in their thrall. Rather than doing the thing we want, neoliberal economists insist we must unleash “markets” to solve the problems, by “creating incentives.” That may sound like a recipe for a small state, but in practice, “creating incentives” often involves building huge bureaucracies to “keep the incentives aligned” (that is, to prevent private firms from ripping off public agencies).

This is how we get “solutions” that fail catastrophically, like:

Public Service Loan Forgiveness instead of debt cancellation and free college:

https://studentloansherpa.com/likely-ineligible/

The gig economy instead of unions and minimum wages:

https://www.newswise.com/articles/research-reveals-majority-of-gig-economy-workers-are-earning-below-minimum-wage

Interest rate hikes instead of price caps and windfall taxes:

https://www.npr.org/2023/05/03/1173371788/the-fed-raises-interest-rates-again-in-what-could-be-its-final-attack-on-inflati

Tax breaks for billionaire philanthropists instead of taxing billionaires:

https://memex.craphound.com/2018/11/10/winners-take-all-modern-philanthropy-means-that-giving-some-away-is-more-important-than-how-you-got-it/

Subsidizing Uber instead of building mass transit:

https://prospect.org/infrastructure/cities-turn-uber-instead-buses-trains/

Fraud-riddled carbon trading instead of emissions limits:

https://pluralistic.net/2022/05/27/voluntary-carbon-market/#trust-me

As infuriating as all of this “actually, your boss is right” nonsense is, the most immediate and continuously frustrating aspect of it is the housing crisis, which has engulfed cities all over the world, to the detriment of nearly everyone.

America led the way on screwing up housing. There were two major New Deal/post-war policies that created broad (but imperfect and racially biased) prosperity in America: housing subsidies and labor unions. Of the two, labor unions were the most broadly inclusive, most available across racial and gender lines, and most engaged with civil rights struggles and other progressive causes.

So America declared war on labor unions and told working people that their only path to intergenerational wealth was to buy a home, wait for it to “appreciate,” and sell it on for a profit. This is a disaster. Without unions to provide countervailing force, every part of American life has worsened, with stagnating wages lagging behind skyrocketing expenses for education, health, retirement, and long-term care. For nearly every homeowner, this means that their “most valuable asset” — the roof over their head — must be liquidated to cover debts. Meanwhile, their kids, burdened with six-figure student debt — will have little or nothing left from the sale of the family home with which to cover a downpayment in a hyperinflated market:

https://gen.medium.com/the-rents-too-damned-high-520f958d5ec5

Meanwhile, rent inflation is screaming ahead of other forms of inflation, burdening working people beyond any ability to pay. Giant Wall Street firms have bought up huge swathes of the country’s housing stock, transforming it into overpriced, undermaintained slums that you can be evicted from at the drop of a hat:

https://pluralistic.net/2022/02/08/wall-street-landlords/#the-new-slumlords

Transforming housing from a human right to an “asset” was always going to end in a failure to build new housing stock and regulate the rental market. It’s reaching a breaking point. “Superstar cities” like New York and San Francisco have long been priced out of the reach of working people, but now they’re becoming unattainable for double-income, childless, college-educated adults in their prime working years:

https://www.nytimes.com/interactive/2023/05/15/upshot/migrations-college-super-cities.html

A city that you can’t live in is a failure. A system that can’t provide decent housing is a failure. The “your boss is right, actually” crowd won: we don’t build public housing, we don’t regulate rents, and it suuuuuuuuuuuuuuucks.

Maybe we could try doing things instead of “aligning incentives?”

Like, how about rent control.

God, you can already hear them squealing! “Price controls artificially distort well-functioning markets, resulting in a mismatch between supply and demand and the creation of the dreaded deadweight loss triangle!”

Rent control “causes widespread shortages, leaving would-be renters high and dry while screwing landlords (the road to hell, so says the orthodox economist, is paved with good intentions).”

That’s been the received wisdom for decades, fed to us by Chicago School economists who are so besotted with their own mathematical models that any mismatch between the models’ predictions and the real world is chalked up to errors in the real world, not the models. It’s pure economism: “If economists wished to study the horse, they wouldn’t go and look at horses. They’d sit in their studies and say to themselves, ‘What would I do if I were a horse?’”

https://pluralistic.net/2022/10/27/economism/#what-would-i-do-if-i-were-a-horse

But, as Mark Paul writes for The American Prospect, rent control works:

https://prospect.org/infrastructure/housing/2023-05-16-economists-hate-rent-control/

Rent control doesn’t constrain housing supply:

https://dornsife.usc.edu/pere/rent-matters

At least some of the time, rent control expands housing supply:

https://onlinelibrary.wiley.com/doi/full/10.1111/j.1467-9906.2007.00334.x

The real risk of rent control is landlords exploiting badly written laws to kick out tenants and convert their units to condos — that’s not a problem with rent control, it’s a problem with eviction law:

https://web.stanford.edu/~diamondr/DMQ.pdf

Meanwhile, removing rent control doesn’t trigger the predicted increases in housing supply:

https://www.sciencedirect.com/science/article/pii/S0094119006000635

Rent control might create winners (tenants) and losers (landlords), but it certainly doesn’t make everyone worse off — as the neoliberal doctrine insists it must. Instead, tenants who benefit from rent control have extra money in their pockets to spend on groceries, debt service, vacations, and child-care.

Those happier, more prosperous people, in turn, increase the value of their landlords’ properties, by creating happy, prosperous neighborhoods. Rent control means that when people in a neighborhood increase its value, their landlords can’t kick them out and rent to richer people, capturing all the value the old tenants created.

What is life like under rent control? It’s great. You and your family get to stay put until you’re ready to move on, as do your neighbors. Your kids don’t have to change schools and find new friends. Old people aren’t torn away from communities who care for them:

https://ideas.repec.org/a/uwp/landec/v58y1982i1p109-117.html

In Massachusetts, tenants with rent control pay half the rent that their non-rent-controlled neighbors pay:

https://economics.mit.edu/sites/default/files/publications/housing%20market%202014.pdf

Rent control doesn’t just make tenants better off, it makes society better off. Rather than money flowing from a neighborhood to landlords, rent control allows the people in a community to invest it there: opening and patronizing businesses.

Anything that can’t go on forever will eventually stop. As the housing crisis worsens, states are finally bringing back rent control. New York has strengthened rent control for the first time in 40 years:

https://www.nytimes.com/2019/06/12/nyregion/rent-regulation-laws-new-york.html

California has a new statewide rent control law:

https://www.nytimes.com/2019/09/11/business/economy/california-rent-control.html

They’re battling against anti-rent-control state laws pushed by ALEC, the right-wing architects of model legislation banning action on climate change, broadband access, and abortion:

https://www.nmhc.org/research-insight/analysis-and-guidance/rent-control-laws-by-state/

But rent control has broad, democratic support. Strong majorities of likely voters support rent control:

https://www.bostonglobe.com/2023/03/07/metro/new-statewide-poll-shows-strong-support-rent-control/

And there’s a kind of rent control that has near unanimous support: the 30-year fixed mortgage. For the 67% of Americans who live in owner-occupied homes, the existence of the federally-backed (and thus federally subsidized) fixed mortgage means that your monthly shelter costs are fixed for life. What’s more, these costs go down the longer you pay them, as mortgage borrowers refinance when interest rates dip.

We have a two-tier system: if you own a home, then the longer you stay put, the cheaper your “rent” gets. If you rent a home, the longer you stay put, the more expensive your home gets over time.

America needs a shit-ton more housing — regular housing for working people. Mr Market doesn’t want to build it, no matter how many “incentives” we dangle. Maybe it’s time we just did stuff instead of building elaborate Rube Goldberg machines in the hopes of luring the market’s animal sentiments into doing it for us.

Catch me on tour with Red Team Blues in Toronto, DC, Gaithersburg, Oxford, Hay, Manchester, Nottingham, London, and Berlin!

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/05/16/mortgages-are-rent-control/#housing-is-a-human-right-not-an-asset

[Image ID: A beautifully laid dining room table in a luxury flat. Outside of the windows looms a rotting shanty town with storm-clouds overhead.]

Image: ozz13x (modified) https://commons.wikimedia.org/wiki/File:Shanty_Town_Hong_Kong_China_March_2013.jpg

Matt Brown (modified) https://commons.wikimedia.org/wiki/File:Dining_room_in_Centre_Point_penthouse.jpg

CC BY 2.0 https://creativecommons.org/licenses/by/2.0/deed.en

[dontmeantobepoliticalbut]

The Biden administration will ask the Supreme Court to revive its student debt relief program as it fights to reverse lower court rulings that have upended its plans to forgive up to $20,000 of debt for tens of millions of Americans.

The Justice Department said in a court filing on Thursday that it planned to ask the Supreme Court to reverse an injunction issued earlier this week by the 8th Circuit Court of Appeals that prohibits the administration from carrying out student debt relief.

Separately, the Justice Department is asking the 5th Circuit Court of Appeals to put on hold a decision by a district court judge in Texas to strike down the debt relief program as illegal. The DOJ asked for a ruling from that appeals court by Dec. 1 “to allow the government to seek relief from the Supreme Court” if needed.

The various emergency requests by the Biden administration tee up what could be the most consequential Supreme Court showdown yet over President Joe Biden’s debt relief policy in the coming weeks.

Justice Amy Coney Barrett has twice rejected preliminary requests in other lawsuits to block Biden’s debt relief program. But neither case had addressed the legal merits of the program.

The lawsuit now heading to the Supreme Court was brought by six Republican state officials who are trying to stop Biden’s debt relief program, which they have slammed as unfair and unconstitutional. The ruling earlier this week by the 8th Circuit found that at least one of the states, Missouri, had standing to bring the case. The three-judge panel unanimously voted to pause Biden’s debt relief program while the lawsuit plays out.

The other lawsuit, in the 5th Circuit, was filed by the Jobs Creator Network Foundation, a conservative group, on behalf of two student loan borrowers who were fully or partially excluded from the debt relief plan. The Biden administration is asking the appeals court to put on hold a lower court ruling by District Judge Mark Pittman, a Trump appointee, who declared the program unconstitutional.

As it fights in court, the White House is weighing a decision about whether to postpone restarting monthly payments and interest for most federal student loans in January as planned.

Student debt activists, civil rights groups and labor leaders have urged the Biden administration to make clear that it won’t move to restart payments while its debt relief program remains in limbo.

The NAACP, which has worked closely with the White House on debt relief, “fully supports extending the repayment pause until borrowers obtain the relief they deserve and have been promised,” Wisdom Cole, the group’s youth and college director, said in a statement on Wednesday.

Administration officials are arguing in court that they need to cancel student debt for tens of millions of borrowers to prevent a huge surge of delinquencies and defaults when monthly payments resume.

James Kvaal, the undersecretary of education, said in a court filing earlier this week that the administration is “examining all available options” while student debt relief remains blocked in court, including extending the pause on repayment beyond Dec. 31.

Kvaal said that blocking debt relief also causes “significant confusion” for borrowers, especially those who were anticipating having their loans wiped out completely. “Most borrowers have been told that all they need to do is submit an application to obtain one-time student loan debt relief,” he wrote. “Now, as a result of litigation they are left to wonder when, if at all, if debt relief will be effectuated.”

[1americanconservative]

The real Bidenomics

🔴 Jan 2021 Biden inauguration, cancels the Keystone XL pipeline. Inflation rate 1.4%

🔴 March 2021 Biden signs $1.9 Trillion Covid relief bill Inflation rate 2.6%

🔴 July 2021 Democrats propose $3.9 Trillion budget plan. Inflation rate 5.4%

🔴 November 2021 Biden signs $1 Trillion infrastructure package. Inflation rate 6.8%

🔴 March 2022 Biden delivers his first SOFU. Inflation rate 7.9%

🔴 April 2022 Announces student loan forgiveness. Inflation rate 8.3%

🔴 May 2022 acknowledges baby formula supply problem Inflation rate 8.6%

🔴 June 2022 gas prices surge. Inflation rate 9.1% We can't afford any more "building back better"