Insurers justify the use of credit screening for insurance purposes by pointing to internal industry data showing that, on average, people with lower scores are more likely to make an insurance claim. The problem is, they don’t have a convincing explanation for why people with poor credit tend to make more claims.
Today, six in ten employers say that they check the credit histories of some or all prospective employees before making final hiring decisions. This traps many jobseekers in a devastating catch-22.
This is very different than a CD, which comes from a bank with Federal Deposit Insurance Corp. protection up to $250,000. And it's different than a U.S. Treasury bond, backed entirely by the U.S. government.
As currently drawn, five Massachusetts House districts would have too few residents to meet the Supreme Court's standard - if inmates are not counted as living there, according to Brenda Wright of Demos, a public interest group with a Boston office. She testified before the committee in Dorchester last month.
The mutual admiration between the two has been apparent for some time. Herbert has been a speaker at Demos and has also cited the think tank over his years as a New York Times columnist. He wrote in one that almost exclusively centered on Demos that the think tank has responded to right-wing zealotry with “admirable real-world scholarship, a highly respected fellows program to encourage new writers and thinkers and steadfast efforts to promote civic engagement. (It’s a big champion, among other things, of same-day voter registration.)”
7) Unions are one of the few institutional bulwarks against a corporate dictatorship over all of us: I mentioned their role in the ballot initiative and electoral process, but how are people organized in society? Into factories and electronics assembly shops and big-box stores. They wake up in the morning and - even with strong unions - much of their life is dominated by the company: what time to show up, what time to break (and do we get one?), how fast to work.
Rob Brunhild trusted his broker when he was sold principal-protected notes underwritten by Lehman Brothers, noting that the broker implied that the notes were like Treasuries. His expectations for a solid return were dashed when Lehman went under, wiping out his investment. He said his family lost $275,000 on the notes.
“I had to tell my mother,” Brunhild said. “Mom lived off of this money.”
Dēmos has measured the comparative effectiveness of five leading fiscal proposals. We evaluate the plans in eight categories: jobs and public investment; health care affordability; Social Security income; education; defense policy; fair and adequate revenues; and long-term debt reduction.
A left-leaning policy group concerned about economic fairness has released a report card on various budget proposals – and, perhaps not surprisingly, the House GOP fiscal 2012 plan doesn’t fare so well.
Prison-based gerrymandering is the practice of counting incarcerated persons as “residents” of a prison when drawing legislative districts in order to give extra influence to the districts that contain the prisons. The U.S. Constitution requires that election districts be roughly equal in size, so that everyone is represented equally in the political process. But prison-based gerrymandering distorts our democracy by artificially inflating the population numbers — and thus, the political clout — of districts with prisons, while diluting the political power of all other voters.
Report: A "Realistic Solution" To The "Long-Term Budget Outlook" Includes "Rebalancing The Tax Code And Increasing Tax Revenue From Those Most Able To Pay." In a November 2010 report titled, Investing in America's Economy: A Budget Blueprint for Economic Recovery and Fiscal Responsibility, Demos, Economic Policy Institute, and The Century Foundation laid out a "blueprint" for a "strong economic recovery" and "deficit reduction." From the report:
But a national debt of more than $14 trillion makes us vulnerable because our economy is the wellspring of our military might, as well as the happiness and self-confidence of a fully employed people.