Three Graphs That Show Why Inequality Matters in the New York City Mayoral Race

Sep 11, 2013Nell Abernathy

The New York City primary results show that the issue of rising inequality is striking a chord with voters. Here's why.

The results are in and two (or three) candidates are one step closer to Gracie Mansion. What we know for certain is that along with winning international attention and prime seats at Yankee Stadium, New York’s next mayor will inherit a city that is more unequal in terms of income than any other major city in America.

The increasing polarization of wealth in New York has been a hot topic and served as the campaign centerpiece for one of yesterday’s big winners, Bill de Blasio. We are trying to resist pointing out that experts like our own Jeff Madrick were talking about this problem even before the drum circles of Zuccotti Park, but we’re happy that the city’s Sierra Leone-like inequality is at last making headlines.

Because we know that we can do better, and we hope our next mayor will at least try, the Roosevelt Institute’s Bernard L. Schwartz Rediscovering Government Initiative is taking a look back at some of the most compelling charts and graphs to surface on the long road to Election Day.

From James Parrott, at the Fiscal Policy Institute, who will be a panelist at our upcoming forum on inequality:

The top 1 percent are capturing a growing portion of the nation’s economy, and nowhere is that trend more pronounced than in New York.

The top 1 percent, in fact, pay less than their fair share of the tax burden:

Meanwhile, the poverty rate in New York City continues to rise: 

We will be back tomorrow with more infographics. To learn more about potential solutions to our growing wealth gap, join us for our panel discussion on Tuesday, September 24:

Inequality in New York: The Next Mayor’s Challenge

September 24, 2013

6:00 p.m. cocktail reception

6:30 – 8:00 p.m. panel discussion

Roosevelt House, Public Policy Institute at Hunter College

49 East 65th Street

New York, NY 10065

Nell Abernathy is the Program Manager for the Roosevelt Institute's Bernard L. Schwartz Rediscovering Government Initiative.

The New York City primary results show that the issue of rising inequality is striking a chord with voters. Here's why.

The results are in and two (or three) candidates are one step closer to Gracie Mansion. What we know for certain is that along with winning international attention and prime seats at Yankee Stadium, New York’s next mayor will inherit a city that is more unequal in terms of income than any other major city in America.

The increasing polarization of wealth in New York has been a hot topic and served as the campaign centerpiece for one of yesterday’s big winners, Bill de Blasio. We are trying to resist pointing out that experts like our own Jeff Madrick were talking about this problem even before the drum circles of Zuccotti Park, but we’re happy that the city’s Sierra Leone-like inequality is at last making headlines.

Because we know that we can do better, and we hope our next mayor will at least try, the Roosevelt Institute’s Bernard L. Schwartz Rediscovering Government Initiative is taking a look back at some of the most compelling charts and graphs to surface on the long road to Election Day.

From James Parrott, at the Fiscal Policy Institute, who will be a panelist at our upcoming forum on inequality:

The top 1 percent are capturing a growing portion of the nation’s economy, and nowhere is that trend more pronounced than in New York.

The top 1 percent, in fact, pay less than their fair share of the tax burden:

Meanwhile, the poverty rate in New York City continues to rise: 

We will be back tomorrow with more infographics. To learn more about potential solutions to our growing wealth gap, join us for our panel discussion on Tuesday, September 24:

Inequality in New York: The Next Mayor’s Challenge



September 24, 2013



6:00 p.m. cocktail reception



6:30 – 8:00 p.m. panel discussion



Roosevelt House, Public Policy Institute at Hunter College



49 East 65th Street



New York, NY 10065

Nell Abernathy is the Program Manager for the Roosevelt Institute's Bernard L. Schwartz Rediscovering Government Initiative.

 

New York City skyline image via Shutterstock.com

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Policy Note: Will Crowdfunding Kickstart an Investment Revolution?

Sep 5, 2013

Download the policy note (PDF) by Georgia Levenson Keohane

In a new policy note, Roosevelt Institute Fellow Georgia Levenson Keohane examines the policy and political implications of peer-to-peer financing. In recent years, crowdfunding has emerged as a financing model that allows smaller funders to invest in projects and organizations in their early stages – particularly those that would otherwise struggle to obtain capital. Peer-to-peer funding experiments first emerged in the nonprofit sector, but have since expanded to the realms of for-profit investment and political activism.

Download the policy note (PDF) by Georgia Levenson Keohane

In a new policy note, Roosevelt Institute Fellow Georgia Levenson Keohane examines the policy and political implications of peer-to-peer financing. In recent years, crowdfunding has emerged as a financing model that allows smaller funders to invest in projects and organizations in their early stages – particularly those that would otherwise struggle to obtain capital. Peer-to-peer funding experiments first emerged in the nonprofit sector, but have since expanded to the realms of for-profit investment and political activism. The proliferation of crowdfunding models and uses requires a nuanced policy response, one that balances the imperative to support the growth of small businesses and new jobs with safeguards for investor protection.

Read the policy note: "Will Crowdfunding Kickstart an Investment Revolution?" by Roosevelt Institute Fellow Georgia Levenson Keohane.

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Daily Digest - August 19: Inequality Has No Solo Solutions

Aug 19, 2013Rachel Goldfarb

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Conservatives Don’t Get That Some Problems are Public, and It’s Hurting Them (WaPo)

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Conservatives Don’t Get That Some Problems are Public, and It’s Hurting Them (WaPo)

Roosevelt Institute Fellow Mike Konczal sees a cognitive dissonance when conservatives try to argue that economic issues are all private problems to be fixed on the individual level. Inequality is a public problem, and public problems call for a guiding hand from government.

Who's Really Running the GOP? (Melissa Harris-Perry)

Roosevelt Institute Fellow Dorian Warren compares current Republican strategies to the end of reconstruction. In states where the GOP controls the governor's mansion and the state house, there are disturbing similarities in voting restrictions.

Most of U.S. Is Wired, but Millions Aren’t Plugged In (NYT)

Edward Wyatt reports on the struggle to get the last 20 percent of Americans connected to the Internet. Some of the disconnected wish they weren't, but thanks to the near-monopoly control of broadband by cable companies, access is expensive.

  • Roosevelt Take: Roosevelt Institute Fellow Susan Crawford argues against big telecommunications' claims that Americans have the broadband access they need.

The AFL-CIO Is Exploring New Investments in Alt-Labor and Texas Organizing (The Nation)

Josh Eidelson examines the union federation's relationships with non-union organized labor. Funding is a challenge, because union members often prefer for money to stay within the unions, even if they aren't the best option to organize a particular space.

3 Questions for Larry Summers About the Fed (The Atlantic)

Matthew O'Brien wonders how Summers would respond to questions about interest rates, target inflation, and bubbles. When most of our knowledge of the potential Fed Chair's views on monetary policy come from 1991, it would be nice if we could get some answers.

Bye-Bye Refi? (On the Economy)

Jared Bernstein looks at one side effect of higher interest rates that is already appearing: a reduction in mortgage refinancing applications. He's concerned by that drop because refis serve as stimulus when they reduce a household's monthly mortgage payment.

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Daily Digest - July 26: The Trouble with Summers's Silence

Jul 26, 2013Tim Price

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Should Obama pick Larry Summers to head the Fed? (Politico)

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Should Obama pick Larry Summers to head the Fed? (Politico)

Roosevelt Institute Fellow Mike Konczal writes that while Ben Bernanke led the Fed through a crisis, his successor will need to build consensus and establish the central bank's new normal. That's a problem given that Summers hasn't said a word about the biggest debates he'll have to settle.

Even as economy rebounds, income inequality festers (MoneyWatch)

Charles Wilbanks notes that most American remain deeply dissatisfied with an economy in which workers at the bottom see their wages fall while those at the top are making money hand over fist. And to add insult to injury, taxpayers are forced to subsidize their bosses' raises.

The day the right lost the economic argument (Salon)

Michael Lind argues that President Obama's Knox College speech offered a strong and broadly appealing summary of progressive economic theory focused on manufacturing, innovation, infrastructure, and education, while the House Republicans' alternative plan offered nothing in particular.

Some Democrats Look to Push Party Away from Center (NYT)

Jonathan Martin writes that as Democrats contemplate their future post-Obama, many are advocating for a populist approach to economic policy, financial reform, and rising inequality rather than the murky middle ground that the party's leaders have settled for since the '90s.

White House hardens stance on budget cuts ahead of showdown with Republicans (WaPo)

Zachary Goldfarb and Paul Kane report that the Obama administration may force a government shutdown come September if Republicans in Congress refuse to undo sequestration and continue to demand deeper cuts to a budget they've already carved to the bone.

Congress to Fed: End Too-Big-to-Fail Already! (MoJo)

Erika Eichelberger notes that Dodd-Frank requires the Fed to implement rules to scale back its emergency lending powers, but three years since the law was passed, the central bank still just says it's working on it. Things like this don't happen overnight. Or even over 1,095 nights.

Why 17 liberal senators voted against the student loan "deal" (MSNBC)

Suzy Khimm writes that while the Senate finally passed legislation to address the doubling of federal student loan interest rates, progressives weren't willing to swallow a compromise that lowered students' rates now while guaranteeing they'll have to pay even more in the future.

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Why the Right Doesn’t Really Want Euro-Style Reproductive Health Care

Jul 24, 2013Andrea Flynn

U.S. conservatives want Europe's abortion restrictions, but they oppose the generous systems and legal exceptions that support women's health.

U.S. conservatives want Europe's abortion restrictions, but they oppose the generous systems and legal exceptions that support women's health.

Earlier this month, Texas lawmakers witnessed and participated in passionate debates about one of the nation's most sweeping pieces of anti-choice legislation. That legislation, known as SB1, was initially delayed by Wendy Davis's now-famous filibuster and was signed into law by Governor Rick Perry last week during a second special legislative session. It bans abortions after 20 weeks, places cumbersome restrictions on abortion clinics and physicians, and threatens to close all but five of the state’s 42 abortion clinics. Throughout the many days of hearings anti-choice activists relied on religious, scientific, and political evidence to argue that the new Texas law is just and sensible.

Many of those arguments are tenuous at best, but it is the continued reference to European abortion laws that most represent a convenient cherry-picking of facts to support the rollback of women’s rights. Many European countries do indeed regulate abortion with gestational limits, but what SB1 supporters conveniently ignore is that those laws are entrenched in progressive public health systems that provide quality, affordable (sometimes free) health care to all individuals and prioritize the sexual and reproductive health of their citizens. Most SB1 advocates would scoff at the very programs and policies that are credited with Europe’s low unintended pregnancy and abortion rates.

Members of the media have also seized on European policies to argue that Texas lawmakers are acting in the best interest of women. Soon after the passage of SB1, Bill O’Reilly argued that “most countries in the world have a 20-week threshold,” and Rich Lowry, editor of the National Review, wrote, “It’s not just that Wendy Davis is out of step in Texas; she would be out of step in Belgium and France, where abortion is banned after 12 weeks.”

It’s hard to imagine any other scenario in which O’Reilly and Lowry, and most conservative politicians and activists, would hold up European social policies as a beacon for U.S. policy. After all, the cornerstones of Europe’s women’s health programs are the very programs that conservatives have long threatened would destroy the moral fabric of American society. One cannot compare the abortion policies of Europe and the United States without looking at the broader social policies that shape women’s health.

Both Belgium and France have mandatory sexuality education beginning in elementary school (in France parents are prohibited from removing their children from the program). France passed a bill earlier this year that allows women to be fully reimbursed for the cost of their abortion and guarantees girls ages 15 to 18 free birth control. Emergency contraception in both countries is easily accessible over the counter, and in Belgium the cost of the drug is reimbursed for young people and those with a prescription. Both countries limit abortion to the first trimester but also make exceptions for cases of rape, incest, and fetal impairment, to preserve woman’s physical or mental health, and for social or economic reasons. None of these exceptions are included in the new Texas law, and I’d guess it would be a cold day in hell before the likes of O’Reilly and Lowry advocate for more expansive health policies or for including such exceptions in abortion laws.  

But it would be wise if they did. This availability of preventative care contributes to the overall health and wellness of women in Europe and enables them to make free and fully informed decisions about their bodies over the course of their lifetimes. The demonization and lack of progressive sexual health policies in Texas, and in the United States more broadly, drives high rates of unintended pregnancy, teen pregnancy, maternal mortality, sexually transmitted infections, and abortion. 

Unfortunately, Texas couldn’t be further from France or Belgium when it comes to the care it provides to women and families before, during, and after delivery, as I’ve written about before. The Texas teen birth rate is nearly nine times higher than that of France and nearly 10 times higher than that of Belgium. Nearly 90 percent of all teens in France and Belgium reported using birth control at their last sexual intercourse, compared with only 53 percent in Texas. The infant mortality rate in Texas is twice that of Belgium and France. The poverty rate among women in Texas is a third higher than that of women in Belgium and France, and the poverty rate among Texas children is 1.5 times higher. Less than 60 percent of Texas women receive prenatal care, while quality care before, during, and after pregnancy is available to nearly all women throughout Europe.  

None of those hard facts were compelling enough to amend – let alone negate – the new law. It seems impossible these days to find a common ground between anti- and pro-choice individuals, but if conservatives wanted to have a conversation about enacting European-style sexual and reproductive health policies in the United States, that just might be something that could bring everyone to the same table. The more likely scenario is that once conservatives have plucked out the facts that help advance their anti-choice cause, they will promptly return to tarring and feathering Europe’s socialized health system.

Andrea Flynn is a Fellow at the Roosevelt Institute. She researches and writes about access to reproductive health care in the United States and globally. She is on Twitter at @dreaflynn.

 

Woman and doctor banner image via Shutterstock.com

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Daily Digest - July 22: CEO Pay Problems Aren't Just in Dollars

Jul 21, 2013Rachel Goldfarb

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Fixing A Hole: How the Tax Code for Executive Pay Distorts Economic Incentives and Burdens Taxpayers (Roosevelt Institute)

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Fixing A Hole: How the Tax Code for Executive Pay Distorts Economic Incentives and Burdens Taxpayers (Roosevelt Institute)

Roosevelt Institute Director of Research Susan Holmberg and Roosevelt Institute | Campus Network Senior Fellow in Economic Development Lydia Austin analyze the ways the performance pay loophole harms taxpayers, companies, and the economy.

If Dodd-Frank Doesn’t Work, Here are Four Things That Could (WaPo)

Roosevelt Institute Fellow Mike Konczal outlines some ideas that were rejected during the debates over Dodd-Frank. He suggests that if aspects of Dodd-Frank aren't working, we should remember these proposals, which favored strong lines over regulatory micromanagement.

Coming Home for the Recession (TAP)

Roosevelt Institute | Pipeline Fellow Nona Willis Aronowitz continues her series on Millennials and the new economy, this time focusing on young women of color for whom the recession has enforced traditional living patterns, because living with family is cheaper.

Detroit, and the Bankruptcy of America’s Social Contract (Robert Reich)

Robert Reich suggests that Detroit's bankruptcy is an indication of the problems that come from increased class segregation. By fleeing to the suburbs, Detroit's middle and upper classes untied themselves from the needs of the city.

In Climbing Income Ladder, Location Matters (NYT)

David Leonhardt reports on a new study that looks at income mobility across regional lines. One of the most interesting findings is that mixed income neighborhoods, where many classes live together, are a strong indication of better income mobility for children.

Deception in Counting the Unemployed (The Atlantic)

Steve Clemons looks at the work of Leo Hindery, Jr., a former CEO who has fought for better deals for workers for many years. Hindery's focus is on "real unemployment," and he claims the government's use of the U-3 numbers obscures the facts facing workers.

Mapping the Sequester's Impact on Low-Income Housing (The Nation)

Greg Kaufmann discusses the ways that sequestration is affecting the people who rely on Section 8 housing vouchers. He maps out story after story of cuts that the Center on Budget and Policy Priorities says will lead to a rise in homelessness.

A Shuffle of Aluminum, but to Banks, Pure Gold (NYT)

David Kocieniewski explains how banks have started buying physical commodity trading assets, like aluminum, to gain market intelligence for that commodity. This translates to miniscule increases in the cost of products, and billions in profits to the banks.

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Elizabeth Warren’s Consumer Protection Dreams Just Became a Reality

Jul 17, 2013Rachel Goldfarb

The two years it took to confirm Richard Cordray to direct the Consumer Financial Protection Bureau were only part of an even longer fight.

The two years it took to confirm Richard Cordray to direct the Consumer Financial Protection Bureau were only part of an even longer fight.

Following Harry Reid’s threat to eliminate the filibuster for executive appointments – the so-called “nuclear option” – the Senate finally confirmed Richard Cordray as Director of the Consumer Financial Protection Bureau, after a nearly two-year battle. According to Roosevelt Institute Fellow Mike Konczal, this delay had nothing to do with opposition to Cordray. The Republican Party acknowledged that President Obama had chosen a perfectly fine candidate; they just didn’t want anyone running the CFPB, because they aren’t into consumer protection.

It took two years to convince the Republicans to allow the installation of a CFPB Director, but the fight for consumer protection has been going on for much longer then that. The Roosevelt Institute’s Make Markets Be Markets report, published in March 2010, featured an earlier proposal for a Consumer Financial Protection Agency by Elizabeth Warren. As the architect and early advocate of the Bureau, Warren was many progressives’ first pick for director, but she was passed over when it became clear that Republicans would not confirm her.

Luckily for us, the CFPB is now able to function as intended, and Warren’s work on consumer protection and banking regulation continues in the Senate. Her next step? She’s pushing for a 21st Century Glass-Steagal Act, co-sponsored with John McCain, to protect Americans from future banking crises. When CNBC anchor Joe Kernan tried to push back at Warren on this proposal, she pointed out that everyone told her the CFPB would never pass – and we saw how those predictions panned out.

Watch Senator Warren’s smackdown below:

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Daily Digest - July 17: Wall Street's Election Day Fears

Jul 17, 2013Rachel Goldfarb

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Why Spitzer’s Return Terrifies Big Finance (Naked Capitalism)

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Why Spitzer’s Return Terrifies Big Finance (Naked Capitalism)

Roosevelt Institute Senior Fellow Thomas Ferguson argues that Eliot Spitzer as New York City Comptroller would be a threat to the political power of Wall Street. With control of the public pension funds, Spitzer could change how the city does business with the financial industry.

The Consumer Watchdog’s Work Will Last–For Now (MSNBC)

Adam Serwer speaks to Roosevelt Institute Fellow Mike Konczal on why the Senate GOP spent so long opposing Richard Cordray's nomination to direct the Consumer Finance Protection Bureau. Mike says they opposed any nominee, in an attempt to weaken the CFPB.

Reminder: Don’t Pay Attention to Wall Street’s Whines About Regulation (NY Mag)

Kevin Roose looks at Wall Street bank profits over the past ten years, and concludes that we should ignore their complaints about regulation. It turns out that the financial industry is resilient and will find a way to increase profits no matter the restrictions.

McJobs Are the Future: Why You Should Care What Fast Food Workers Earn (The Atlantic)

Jordan Weissmann refutes the claim that no one is making a career or supporting a family off a minimum wage fast food job. Most fast food jobs aren't minimum wage - but making another fifty cents per hour doesn't get a person above the poverty line.

OECD Doesn’t See Unemployment Falling Until Late 2014 (WSJ)

Paul Hannon reports that the Organization for Economic Cooperation and Development predicts that it will be some time before unemployment begins to drop. Like many others, it recommends avoiding austerity policies because they will slow growth.

Charles Koch on the Poor: Let Them Eat 'Economic Freedom' (The Nation)

Leslie Savan explains the problems with a new ad put out by Charles Koch that claims anyone making over $34,000 a year is part of the 1%. That's true on a global scale, but doesn't mean anything for people living in poverty in the U.S..

New on Next New Deal

Why Trayvon Is Inspiring America to Put Stand Your Ground Laws on Trial

Roosevelt Institute | Pipeline DC chapter Director of Programming Naomi Ahsan argues that the Zimmerman verdict is a sign that Americans need to challenge Stand Your Ground laws. Beyond the collective anger at that decision, these laws contribute to systemic racism.

The Egyptian Coup Isn't the End of Democracy. It's a Demand for Justice.

Former Roosevelt Institute | Campus Network Policy Director Reese Neader breaks down the current situation in Egypt. He explains why this is not the "death of democracy," but a push for better democracy than was achieved in 2011.

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Daily Digest - July 10: Safety Nets Catch GOP Voters Too

Jul 10, 2013Rachel Goldfarb

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Whites and the Safety Net (NYT)

Paul Krugman builds on Roosevelt Institute Fellow Mike Konczal's argument on libertarian populism, and further examines why that model should not appeal to working-class white voters who rely on safety net programs like unemployment and food stamps.

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Whites and the Safety Net (NYT)

Paul Krugman builds on Roosevelt Institute Fellow Mike Konczal's argument on libertarian populism, and further examines why that model should not appeal to working-class white voters who rely on safety net programs like unemployment and food stamps.

  • Roosevelt Take: You can read Mike's piece on why libertarian populism is more of the same from Republicans here.

GOP Moves Closer to Splitting Farm Bill (The Hill)

Erik Wasson says that the House Republicans are considering the option of splitting farms subsidies and SNAP into two separate bills. Supporters of farm subsidies are concerned the split could destroy them, while the Democrats just want a bill with fewer cuts to SNAP.

Senate Democrats Spar Over Wall Street Reform (MoJo)

Erika Eichelberger explains why two groups of Senate Democrats are arguing about how to implement a Commodity Futures Trading Commission rule on overseas derivatives trading that is scheduled to be finalized on Friday. Senator Warren leads the charge for a stronger rule than the current proposal.

Wal-Mart Says it Will Pull Out of D.C. Plans Should City Mandate ‘Living Wage’ (WaPo)

Mike DeBonis reports that with only one day before the D.C. City Council votes on their living wage mandate for large retailers, Wal-Mart is making threats. It claims that paying $12.50 an hour isn't possible, despite its booming profits.

The 2 Supreme Court Cases That Could Put a Dagger in Organized Labor (The Atlantic)

Matt Bruenig and Elizabeth Stoker worry that two cases the Supreme Court has agreed to hear next year, one on recess appointments to the National Labor Relations Board and the other on union-employer organizing agreements, could be the end of new private sector unions.

New on Next New Deal

HHS Ruling Helps Workers But Spells Trouble for Employer Mandate

Roosevelt Institute Senior Fellow Richard Kirsch applauds the decision to allow workers whose employers delay offering insurance access to the exchanges, but he thinks they won't want to switch to employer-sponsored insurance in 2015.

Comcast Profits from the Poor with Internet Essentials Deal

Roosevelt Institute's John Randall, Program Manager of the Telecommunications Equality Project, explains how Comcast is up to its usual profit-driven motives when it claims to be expanding high-speed internet access. It's also not doing too well at actually expanding access in areas that don't have it.

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Daily Digest - July 9: Beyond Intro to Econ

Jul 9, 2013Rachel Goldfarb

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How to Raise a Progressive Kid in Alabama (The Nation)

Roosevelt Institute | Pipeline Fellow Nona Willis Aronowtiz writes on the costs - financial and otherwise - of raising a child in a place where you are member of the political minority who wants to pass on those values.

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How to Raise a Progressive Kid in Alabama (The Nation)

Roosevelt Institute | Pipeline Fellow Nona Willis Aronowtiz writes on the costs - financial and otherwise - of raising a child in a place where you are member of the political minority who wants to pass on those values.

Econ 101 is Killing America (Salon)

Robert Atkinson and Michael Lind examine and debunk the myths of simplified neoclassical economics that are accepted as fact in Intro to Econ classes. Policymakers, they say, need to stop thinking this is the only economic model available.

Government–Not Business–Has Been the Source of Breakthrough Innovation (Working Economics)

Ross Eisenbrey uses Douglas C. Englebart's invention of the mouse as an example of government's great tech innovations. If every major piece of the iPhone had research support from the government and the military, why is Apple getting all the credit?

Spitzer is Dead Wrong on Public Financing (Policy Shop)

Mijin Cha argues in favor of public financing, which has increased the power of small donors in New York City. The candidates who take public financing will be spending taxpayer dollars, but they also have to listen to a much more diverse donor base.

Political Inflationistas (NYT)

Paul Krugman suggests that the economists who keep warning that the Fed's expansionary monetary policies will cause inflation are doing so because of severe partisanship. They're all Republicans, and he thinks they just won't support anything from the Obama administration.

After Outcry, McDonald’s Franchise Drops Compulsory ‘Payroll Debit Cards’ (In These Times)

Sarah Jaffe follows up on a recent story about the use of payroll cards in low-wage industries, where fees could bring real wages below the minimum. After general public outcry, a filed lawsuit, and a pending investigation, the outlook is sunnier.

The State of the Unions (TAP)

Harold Meyerson has a call to action for the labor movement because of new highs in union approval ratings. With that public support, unions are his first choice to push living wage ordinances and lobby for the needs of working-class Americans.

Is this the end of health insurers? (WaPo)

Sarah Kliff examines a new model in which health providers, such as hospitals, also provide insurance. The hospitals think they can provide care at a better price for patients, as long as the patients stay in the hospital network.

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