New York, NY — Homeowners have been tapping into their home equity to get the cash needed to pay down credit card debt incurred not for luxury expenses, but for basic needs. This strategy leaves them on precarious financial footing after two years of interest rate hikes and the largest drop in home prices in 35 years, according to House of Cards 2006 Update: Still Refinancing The American Dream, a report published today by Demos, a non-partisan public policy organization based in New York.
Senior Fellow Algernon Austin and Jared Bernstein discuss how the "bad culture" arguments about African-Americans are misguided at best and destructive at worst. By creating an erroneous causal link between "bad culture" and black poverty, the "Cosby consensus" prevents the country from recognizing success and building on it to create the economic opportunities that are missing for too many African-Americans.
Among the new voting requirements recently contested in courts are state-issued photo IDs and tight restrictions on voting registration drives. Proponents of such requirements tend to be conservative white Republicans who argue that tighter rules are essential for preventing voter fraud. However, critics say such laws will unfairly impact the poor, the elderly, the disabled, and college-age students, all of whom tend to vote more for the Democrats.
In the final days of the 2006 campaign, as in any election year, citizen interest is peaking as election news--and debates on the issues--becomes more pervasive in the media. Unfortunately for America's voters, in all but eight states (one of which does not require voter registration) , if you are not already registered to vote in this week's election, it is too late. There are seven states, however, where eligible voters are not hampered by arbitrary deadlines, no matter when they become engaged by an election, and can register to vote on Election Day itself.
New York, NY — In communities across the country, voters could be subject to intimidation and a variety of suppressive tactics meant to keep them from casting a ballot. Demos, a national, non-partisan public policy center, published the details of these potential challenges to voting rights in a new briefing paper this week.
A public policy group is warning that voters - especially among minorities - may face attempts at intimidation and suppression in an effort to sway the election.
A study released Friday by the National Voting Rights Institute and Demos points to several incidents during the 2004 election and warns that voters nationwide may face similar problems on Tuesday.
"We think it's a serious problem," said Brenda Wright, managing attorney at the National Voting Rights Institute, who co-authored the report.
Political candidates win elections by generating more votes than their opponents. A vigorous and superior get-out-the-vote campaign is commonly understood to be the key to success. A less recognized but all-too-familiar alternative tactic is to intimidate their opponents supporters and suppress their votes. Voter intimidation and vote suppression campaigns are often mounted in communities of color, where voter participation is more tenuous. Few states have enacted clear and effective prohibitions against these abuses.
New York, NY — Across the nation, states are failing to meet a Federal mandate to boost voter registration among low-income Americans by offering registration opportunities in public assistance offices — a requirement established by Congress under the National Voter Registration Act of 1993 (NVRA). Demos, a national, non-partisan public policy center, published the findings in a new briefing paper this week.
Representational Inequality: Bad for Democracy Economic inequality in America has been spiraling out of control in recent decades. The income gap between the rich and the poor in America has steadily increased since the early 20th century and is at its largest in 40 years. Unfortunately, this also translates into political inequality. According to the 2004 U.S. Census, 59 percent of citizens in households making less than $15,000 a year were registered to vote versus 85 percent of those in households making $75,000 or more.
The language contained in some credit card agreements is written at a 27th-grade level, according to a new report by the U.S. Government Accountability Office. And many cardholder agreements today contain language requiring a minimum of a 15th-grade education, the equivalent of three years of college.
Yet with only about half of U.S. adults reading above an eighth-grade level, the report said, credit card disclosures may be meaningless to millions of Americans.
If elections are the foundation of our democracy, then poll workers are the gears and wheels that make the mechanics of democracy function on Election Day. Regrettably, this human factor is often overlooked and under-supported. States squeak by each year with a bare minimum of poll workers who receive inadequate training for an increasingly complex task. Recent surveys, press accounts, and troubled primary elections attest to the problem.
New York, NY — Across the United States, a long-term under-investment in the people who make the mechanics of our elections function properly, and ensure that voters have proper access to ballots and functioning machines, is expected to be a key problem on Election Day, according to a new briefing paper by Demos, a national, non-partisan public policy and research center.
Felony disfranchisement is the practice of denying people with felony convictions the right to vote. The American tradition of states determining their own election laws has led to a national patchwork of policies and practices that result in de jure and de facto denial of the vote based on felony conviction status Currently, most states impose some voting restrictions on people with felony convictions, ranging from a prohibition from voting while incarcerated to a virtual lifetime ban.
New York, NY — Today, 100 million Americans are involved with organizations or movements engaged in social change. Despite vast and quickly improving methods of communications and interconnectivity, many who work to "make a difference" are hobbled by technical barriers, often because there is no roadmap to connect these new information sharing methods.
New York, NY — More than 5 million Americans are directly denied the right to vote, and millions more are misinformed about their eligibility to vote, due to a confusing and archaic national patchwork of "felony disfranchisement" laws, according to a new briefing paper by Demos, a national, non-partisan public policy and research center.
Apart from our Republican-dominated federal government, no single entity boasts more lawsuits against it than Wal-Mart. Class action suits in motion at the moment read like a pamphlet from the nascent worker's rights movements of the early 20th century. They include: gender discrimination, racial discrimination, unpaid wages, exploitation of undocumented workers, pressure to work overtime or off the clock, and denied lunch breaks. And those are just the class action suits.
