This is the third of several papers examining the underlying validity of the assertion that regulation of the financial markets is unduly burdensome. These papers assert that the value of the financial markets is often mis-measured. The efficiency of the market in intermediating flows between capital investors and capital users (like manufacturing and service businesses, individuals and governments) is the proper measure. Unregulated markets are found to be chronically inefficient using this standard. This costs the economy enormous amounts each year.
In the wake of the worst effects of the Great Recession, African Americans, like Americans as a whole, are getting their balance sheets in order and paying down credit card debt. But new research from Demos’ National Survey on Credit Card Debt of Low-and Middle-Income Households finds that African Americans face challenges to their financial security that are unlike those of white households.
What differentiates households that accumulate and carry balances on their credit cards from those that don’t have debt? Building on a national survey of 1,997 households, this study examines two groups of working age low- and middle-income households that are statistically indistinguishable in terms of income, racial and ethnic background, age, marital status and rate of homeownership—yet one group carries credit card debt, while the other has credit cards but no debt.
New Jersey’s investment in higher education has decreased considerably over the past two decades, and its financial aid programs, though still some of the country’s most expansive, fail to reach many students with financial need.
This report presents findings on the use of public transit by people of color and on the potential jobs benefits that people of color can gain from investments in public transit.
For the last year, we—Demos, Anat Shenker-Osorio (ASO Communications) and Ian Haney López (author of Dog Whistle Politics), —have partnered in an ambitious multi-phase project to build an effective new narrative on race, class, and democracy. The central question we’ve explored is how to engage simultaneously around race and class in ways that strengthen social solidarity, reduce division and scapegoating, and create a viable foundation for progressive policy victories. We crafted, empirically validated, and field-tested a range of narratives and compared these to existing frames.
For the last year, we—Demos, Anat Shenker-Osorio (ASO Communications) and Ian Haney López (author of Dog Whistle Politics), —have partnered in an ambitious multi-phase project to build an effective new narrative on race, class, and democracy. The central question we’ve explored is how to engage simultaneously around race and class in ways that strengthen social solidarity, reduce division and scapegoating, and create a viable foundation for progressive policy victories. We crafted, empirically validated, and field-tested a range of narratives and compared these to existing frames.
For the last year, we—Demos, Anat Shenker-Osorio (ASO Communications) and Ian Haney López (author of Dog Whistle Politics), —have partnered in an ambitious multi-phase project to build an effective new narrative on race, class, and democracy. The central question we’ve explored is how to engage simultaneously around race and class in ways that strengthen social solidarity, reduce division and scapegoating, and create a viable foundation for progressive policy victories.
For the last year, we—Demos, Anat Shenker-Osorio (ASO Communications) and Ian Haney López (author of Dog Whistle Politics), —have partnered in an ambitious multi-phase project to build an effective new narrative on race, class, and democracy. The central question we’ve explored is how to engage simultaneously around race and class in ways that strengthen social solidarity, reduce division and scapegoating, and create a viable foundation for progressive policy victories. We crafted, empirically validated, and field-tested a range of narratives and compared these to existing frames.
Once an institution accepts the premise that all people, regardless of their background, have the potential to thrive and contribute to the success of an organization, they can begin to recognize systemic disparities and gaps as flaws to be addressed.
