White Speculators, Black Area Foreclosures

Foreclosures continue to decimate communities around the nation, with black neighborhoods being the hardest hit. Some pundits and politicians point to federal policies that encouraged homeownership in low- and moderate-income communities, coupled with reckless behavior on the part of greedy homeowners, as the crux of the problem. One example is the statement by Fox News reporter Neil Cavuto that "loaning to minorities and risky borrowers is a disaster." To the contrary, our recent research demonstrates that it is outside investors living in other, predominantly white neighborhoods, not local homeowners, who account for the adverse impact on our nation's black communities.

Observers ranging from Credit Suisse to the Center for Responsible Lending estimate that about 6 million families have lost their homes to foreclosure and project that 12-15 million families altogether will lose their homes before the crisis is over. According to the U.S. Department of the Treasury $17 trillion in household wealth was eliminated between 2007 and 2009 and more losses are sure to come. Such losses reduce property taxes, cut consumer buying power for local businesses, and weaken the ability of municipalities to provide vital services. In the end, all households, businesses, and non-profits suffer if they or their neighbors are foreclosed and lose their homes.

Recent foreclosure activity and the subsequent costs are not race neutral. According to the Center for Responsible Lending approximately 8 percent of African-American and Latino families have lost their homes to foreclosure compared to 4.5 percent of white families. United for a Fair Economy has estimated that a third of black households and 40 percent of Latinos are at risk of falling out of the middle class and into poverty as a result of the foreclosure and related economic crises.

So what accounts for the concentration of subprime lending and foreclosures in minority neighborhoods? The culprit, at least in Louisville, is investors, primarily white investors who do not reside in the affected communities. In our research we found that in 2007 and 2008 there were approximately 2,000 foreclosure sales each year in Louisville. There were 39 per census tract (a rough approximation of a neighborhood) in black communities compared to 20 in white tracts. More telling is the fact that there were 15 foreclosures on properties owned by investors rather than owner-occupants in black communities compared to two foreclosures in white areas. A close examination of foreclosed properties in black neighborhoods found most owners were white and often living miles away in suburbs.

It is investors seeking a quick profit, not homeowners, who are the real problem in black neighborhoods. We suspect Louisville's story is not unique. Louisville is right in the middle of this pack, ranking 103 out of 203 metropolitan regions in the rate of foreclosures in recent years.

Several factors account for why a property goes into foreclosure and why foreclosure rates are higher in some neighborhoods than others. Race is certainly not the only factor, and may not even be a consideration when other variables are taken into consideration.

We controlled on a range of variables that contribute to foreclosures -- crime rates, housing values, household income, employment levels, vacancies, number of high-cost loans -- and found that the rate of foreclosures for owner-occupants was no different in black and white Louisville neighborhoods. That is, race was not a factor in accounting for differences in the rate of owner-occupied foreclosures among Louisville neighborhoods.

But when we examined investor foreclosures, neighborhood racial composition was the primary predictor. Not only was race a significant factor in accounting for different levels of investor foreclosures among Louisville neighborhoods, race was the single most important factor, even more important than the rate of high-priced or subprime lending

So black communities have been hardest hit, but not because of the federal policies pointed to by Cavuto and other conservative observers like Lou Dobbs, Charles Krauthammer and editorial writers from the Wall Street Journal and a range of other newspapers. Their prime target is the federal Community Reinvestment Act that prohibits redlining. Yet as researchers with the Federal Reserve, National Community Reinvestment Coalition, and several other government, non-profit and academic institutions have demonstrated, this is simply nonsense. [...]

Read this column by John Gilderbloom and Gregory Squires in its entirety on HuffingtonPost.com.

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Hyatt Hotels Needs A New Slogan

How would you feel if...

  • Your employer refused to provide tools that would allow you to do your job with fewer risks for injury;
  • Your employer consistently failed to address workplace safety violations, and even fought legislation to protect you and your co-workers;

You'd probably feel cheated, burned, disregarded as a human being, right? Well, many are facing this unfortunate reality, and they need your support.

UNITE HERE, has reached out to UFE and other allies in the economic justice movement because Hyatt Hotels Corporation is bullying workers across the country for the sake of profit, and they can't take them on alone.

Here's one Hyatt worker's story:

My name is Cathy Youngblood, and I am a housekeeper at the Hyatt Andaz in West Hollywood. Today I am joining thousands of other Hyatt workers on strike across the United States.

I believe in hard work, but living in pain is a different story. I have to take medication regularly because my wrists and shoulders hurt from having to lift 100-pound mattresses over and over again every day as I change the bedding. Other Hyatt housekeepers have been permanently injured by the grueling work we do.

Not far from my hotel in West Hollywood, at the Hyatt in Long Beach, California, workers have no union. Conditions there are even worse. My sisters are required to clean twice as many rooms in one eight-hour shift, leaving them just 15 minutes for each room. That's 15 minutes to change bedding, scrub the bathroom, dust, vacuum, empty the trash, and change linens, among other things. It's no surprise that women are getting hurt.

Today, I strike—not just for myself or for a fair contract at my hotel—but for our right to stand up to Hyatt wherever they are abusing housekeepers.

We know we can't take on a global giant like Hyatt alone.

We hope you'll join Hyatt workers and UNITE HERE on the frontline of what is truly a fight for all workers' rights.

Even if you can't join a picket line, there are three things you can do:

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We're Expanding - Share this Job Posting!

Photo h/t Thewmatt via FlickrUFE is hiring! We need a passionate, creative and dynamic organizer to help expand the membership and scope of our Responsible Wealth project (RW).

RW is a network of wealthy and/or upper-income individuals who choose to use their positions of privilege to act as stewards of an economy without vast and societally destructive inequalities.

RW members are our partners in the fight for a fair economy, as media spokespeople, as points of access to corporate power, and as active participants in our other program areas, including progressive tax advocacy and education for action. RW members even helped to make this staff position possible. (Thank you!)

One thing we've learned in UFE's fifteen years is that when the wealthy speak, people listen. RW enables us to leverage that phenomenon for something good — to raise public awareness of and to help build a movement against economic inequality. 

The Great Recession continues unabated, vicitimizing millions of families and widening the gap between the immensely wealthy and everyone else. And, the prospect of a true — not jobless — recovery seems to grow worse with each headline. There's a lot of work to be done, and no time to waste.

We need one seriously talented and motivated individual to join our team with eyes toward enhancing the existing work of Responsible Wealth and injecting it with bold, new ideas. Check out the Responsible Wealth Organizer job description, and share it with folks you feel can make a significant contribution to the economic justice movement in this role. 

Our application deadline is September 30. Please help us spread the word as quickly and widely as possible!

Photo h/t Thewmatt

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Top Companies Pay More to CEOs than to Uncle Sam

Last year, twenty-five CEOs of some of the top corporations in the U.S. stuffed more cash in their pockets than their companies paid in taxes. That sounds ridiculous, right? Well, that's the takeaway of the Institute for Policy Studies' (IPS) Labor Day report, Executive Excess 2011: Massive CEO Rewards for Tax Dodging, and it's no joke.

Workers' incomes are plummeting, and families are being forced by thoughtless right-wing policymakers to endure economic hardships resulting from a lack of revenue to fund public programs. Meanwhile, corporate profits have reached a historic high relative to total national income.

Of course, corporate custom calls for spoils to those who fatten the profit margin, regardless of how many millions of people get squashed in the process. The Other 98% action network produced an infographic highlighting some of the chief culprits of tax dodging and excessive pay.

Co-author of the report (and co-founder of UFE), Chuck Collins, appeared on Democracy Now! to share what was fantastic news for Corporate America, but just another low blow for the rest of us.

Want to fight back? Call your federal officials and demand that they support the Stop Tax Havens Abuse Act (S.1346 / H.R.2669). This bill would slow the shipping of jobs and profits overseas, and would generate an additional $100 billion in federal revenue. Check out the report for other policy proposals that will help to prevent corporations from siphoning more jobs and more revenue from our country.

And, if you want to help draw more public attention to these corporate bandits, keep in the loop on this issue with The Other 98% and get involved in direct actions with US Uncut.

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Poverty Gets A Seat On the Bus

The relentless focus on federal budget-cutting has burned up so much of the country's political oxygen that it nearly choked off dialogue on a more immediate, urgent concern: poverty.

Two well-known Americans tried to move this point to the front of the bus last month with their "Poverty Tour: A Call to Conscience." [...]

The instigators of the bus tour, PBS talk show host Tavis Smiley and Princeton professor Cornel West, did the nation a favor by turning the spotlight onto the very real needs of poor Americans. They feel "invisible" and "disposable," Smiley said during the tour, which ran from Minnesota to Memphis, Tenn.

Watch a brief video, "The Truth About Poverty," with Tavis Smiley on CBS News

The sentiment is not surprising. The poor have been left behind by what little economic recovery there has been since the 2008 crash. And in Washington's deficit-obsessed political climate, the talk is all about slashing government — not poverty rates.

Millions of people are without jobs, homes or hopeful futures. Minorities are disproportionately afflicted: Blacks and Hispanics experience unemployment and poverty at far higher rates than the rest of the population does. [...]

[T]he "Call to Conscience" tour was constructive because it pushed the problem of poverty back into the center of a national conversation that had been hijacked by fiscal hawks who see only the cost, not the value, of government.

Unlike the abstractions of long-term deficit projections, poverty is a tangible, here-and-now reality. The country waged a "war on poverty" in the 1960s, but the problem — fed by structural changes in the U.S. economy, policy choices, social shifts and other factors — grew in ensuing decades. Unfair mortgage practices and the epic recession triggered in 2008 exacerbated the trend, wiping out years of progress. 

Today, disparities in income, educational attainment, home ownership and family wealth are growing. The rich are getting richer, while the ranks of the poor are poised to expand as government shrinks and job creation remains stagnant.

The employment cuts are likely to have an outsized effect on minority communities, according to the group United for a Fair Economy's "State of the Dream 2011" report. The federal government is an important source of employment for blacks, data indicate.

Rich vs. poor inequities, and the hopelessness that can accompany them, are poisonous to democracy. In the final analysis they are likely to be every bit as destructive, if not more so, than large budget deficits.

Nearly 15 percent of the population — including an estimated 15 million children — live below the federal poverty line, which is about $22,500 a year for a household of four. "Research shows that, on average, families need an income of about twice that level to cover basic expenses," according to the National Center for Children in Poverty, of the Mailman School of Public Health, Columbia University.

"Using this standard, 42 percent of children live in low-income families," the organization reported. Rates are highest among black, Latino, and American Indian children, data show. [...]

A nation that looks to tax cuts and budget slashing as the answer to 44 million living in deep poverty — many with little hope of overcoming it — is either deluded or uncaring.

Neither of those terms represents the America we know and love.

We are a nation based on the principles of equality and opportunity. Let's live up to them by confronting the factors that lead to entrenched poverty.

Promoting "personal responsibility" is an important key to this challenge. But so is government, which can help communities get through the worst of times and build better foundations for the future.

Economic growth that provides jobs for unemployed and underemployed Americans is vital. But we must not pretend that poverty can be reduced by putting government on a starvation diet.

The issue of poverty belongs at the center of the nation's political priorities, not at the fringe. Smiley and West raised its profile. Their bus tour has ended, but we hope that a new era of understanding has begun.

Read this column in its entirety on HeraldTribune.com

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What Do Good Corporations Look Like?

Corporations are regular targets for attack by the progressive movement, and rightfully so. The biggest among them have, through morally unconscionable business practices and political actions, wrought havoc on the world — all in the name of profit.

Despite the neoliberal crusade to codify the notion of corporate personhood, it's the human beings that make business decisions who should be held accountable for negative social and environmental impacts of their businesses. Dave Johnson of the Campaign for America's Future explains:

"It is the business leaders, not the companies, who make decisions and want things and do things. Companies are just things that don't "want" any more than they "do." They don't "think." They don't "decide." They don't "respond." Sentient entities want and do. It is the people who make decisions want and do things. Companies are not sentient entities any more than chairs are."

But, does the responsibility of corporate leaders — to act in the interests of the corporation and the shareholders — have to be to ensure profit alone?

A movement is brewing to redefine corporate purpose. B Corporations, or Benefit Corporations, seek to "use the power of business to solve social and environmental problems." What sets B corporations apart from traditional corporations is that companies are required to create a material positive impact on society and the environment and are held to higher standards of accountability and transparency.

Under the B corporation model, businesses don't only account for the needs of shareholders; certified companies are mindful of all stakeholders, which also includes workers, consumers and even the communities in which they operate.

This effort has been a long time coming. A poll taken over a decade ago showed 95 percent of people believe corporations should sacrifice profits to improve conditions for workers and communities. Either those results slipped through the cracks or some of the largest U.S. corporations simply don't give a rat's ass.

Source: 2000 Businessweek/Harris poll

Five states have already passed legislation recognizing B corporations, and six more, including economic giants, California and New York, have it on the table. Even as legislative efforts are launched in every state, the B corp model will still face legal tests to expand its reach. But, Good magazine's Tim Fernholz is optimistic

"[T]he momentum behind the legal changes—and the bipartisan majorities that have so far enacted them—signal the beginnings of a sea change in our expectations for the private sector."

Visit www.bcorporation.net to learn more. To get involved in the sustainable business movement, check out our friends at the American Sustainable Business Council (ASBC) and Business Alliance for Living Local Economies (BALLE).

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Progressive Groups Unite to Fight Budget Cuts

Progressive Groups Field Recovery, Deficit Plan from Chris Lovett on Vimeo.

In response to the push for spending cuts to limit growth in the federal deficit, MoveOn.org, United for a Fair Economy, and Rebuild the Dream are trying to build support for a different approach, with new revenue and more stimulus spending to create jobs. Interview on BNN News with the Senior Organizer on Federal Tax Policy from United for a Fair Economy, Lee Farris.

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Responsible Wealth Members Call B.S. on Bachmann

After Warren Buffett called for the federal government to raise taxes on the super wealthy this week, Republican presidential candidate Michele Bachmann had a suggestion for the billionaire: Send any unwanted money to the U.S. Treasury. 

“Mr. Buffett, write a big check today,” Bachmann said. “There’s nothing you have to wait for.” 

The Minnesota congresswoman is correct. The federal government has had a law on the books for 50 years that allows anyone to open up his checkbook, write out a donation payable to the Bureau of the Public Debt, and send it to a post office box in Parkersburg, W.Va. — or make an online payment at www.pay.gov.

Through the first three quarters of the current fiscal year, Americans had donated about $2 million to the fund — compared with $2.8 million in donations for all of fiscal 2010. 

That amounts to roughly one ten-thousandth of a percent— that is, 0.0001% — of the federal debt.

The money is set aside and ultimately used to pay the principal on maturing Treasury bills that are issued as debt to finance government operations, according to McKayla Braden, spokeswoman for the debt bureau.

“We send everybody a thank you,” Braden said, noting that the agency gets more donations whenever there’s a public crisis like a natural disaster or the summer deadlock than over raising the debt ceiling.

But millionaires and billionaires who, like Buffett, support higher taxes on the super-rich, say voluntary donations won’t solve the country’s debt problems. Even Buffett’s fortune of approximately $50 billion amounts to less than half a percent of the total. 

“It’s better to have a policy than to just bank on individual, idiosyncratic discretion,” said Judy Pigott, a Seattle heiress to a trucking fortune. She is also a member of Patriotic Millionaires for Fiscal Strength, which advocates for raising taxes on those who earn more than $1 million a year. 

“We all benefit from being part of our country ... and those of us who have abundant financial resources also have abundant privileges,” Pigott said. 

Relying on voluntary donations wouldn’t bring in a reliable amount of money that could match revenue from raising taxes across the board, said Lee Farris, a tax policy coordinator for United for a Fair Economy. 

A subgroup of that organization, Responsible Wealth, focuses on raising taxes on the wealthy.

“I’m sure Rep. Bachmann would probably not agree that all people who owe money to the U.S. Treasury should make voluntary contributions,” said Responsible Wealth member John Russell, a real estate developer in Portland, Ore. “There’s a fundamental issue of fairness, and nobody wants to be treated in a manner that’s different than other people.”

Read the full column by Ashley Kindergan on TheDaily.com

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OP-ED: Let's 'Make Them' End the Great Recession

Did you breathe a sigh of relief when President Barack Obama signed the debt deal into law earlier this month? If not, you weren't the only one.

Raising the national debt ceiling may have forestalled an immediate U.S. default and credit collapse, but the deal will do absolutely nothing to address the real problems of our time: stubbornly high unemployment and a suffocating economy. Recovering from this Great Recession and achieving longer-term stability will 
require a broad, informed, and unified movement to battle the corporate-backed powers that are waging economic war on working Americans.

While blame for this sad state of affairs falls mainly on Republican free-marketeers and the tea partiers who have incessantly pushed a cuts-only economic agenda, those players only occupy one end of a money-poisoned political spectrum that also includes most members of the Democratic Party. Obama, for his susceptibility to corporate influence and unwillingness to lead, is also responsible for American's economic doldrums.

When progressive leaders approached President Franklin D. Roosevelt in 1933 about what would become the New Deal, his response was, "Make me do it." And so it goes for today's progressive movement, whether you bought into Obama's bold campaign promises or not.

Our job as concerned citizens is hard. These days, commonsense policies, rooted in sound economic analysis, are subject to ideological criticisms that often preempt their passage. We also know that popular opinion by itself won't necessarily affect our governing course.

Take tax policy, for example. A Washington Post-ABC News poll, taken before the debt deal passed, showed that 72 percent of voters support raising taxes on high-income households to reduce the deficit. The final package, the product of a political game dominated by radical conservatives, called for nearly $2.5 trillion in spending cuts and no tax measures that would raise new revenue. One Las Vegas Sun headline for a letter to the editor aptly summed up the outcome: "GOP controls half of government, but ignores the public."

Federal revenue is at its lowest level since the 1950s. The income share of the top-earning 1 percent of Americans has reached heights unseen since 1928, just before the Great Depression. Despite these phenomenal gains, this elite group continues to enjoy historically low federal taxes. Between rates, deductions, and loopholes, they often pay lower effective rates than many middle-class families. As such, it should come as no surprise that the richest 1 percent of Americans now controls nearly as much wealth as the bottom 95 percent of the country combined.

Our circumstances are the result of decades of reforms that shifted taxes off the wealthy onto the middle-class under the pretense of "trickle-down" economics. That strategy has proven ineffective and needs to be reversed. Yet, conservative officials gnash their teeth and threaten the global economy at the mere mention of correcting those policy mistakes.

We can no longer allow a hopelessly unreasonable minority in a severely corrupted system to dictate the terms of our economy. MSNBC's Dylan Ratigan has asserted that Obama should abandon our "bought Congress" and begin a dialogue with voters to restore democracy and repair the economy.

Clearly, we can't sit and wait for Obama to knock on our doors to chat. Our elected leadership will do what it will for as long as we allow it. Indeed, we can't "make them" fix the economy by asking them to do it. We can only get it to happen by organizing, educating, and mobilizing people from all walks of life to fight for justice in all places where it does not exist, from our nation's capital to our own neighborhoods.

This op-ed by UFE's Mazher Ali was originally published and distributed by OtherWords.org on August 22, 2011.

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What You Probably Have in Common with Matt Damon

Matt Damon might be a super-rich movie stud, but it appears we've got plenty in common when it comes to taxes. This summer, Damon attended a "Save Our Schools" rally in D.C. to show solidarity with public school teachers and to demand an end to the conservative political crusade against them. To our delight, he also took a moment to share his views on taxes and the wealthy. Here are a few of his comments.

  • On the debt ceiling debate: "I'm so disgusted." 

(We were too. And, so was the majority of the country.)

  • On the wealthy paying more taxes: "Yes...the wealthy are paying less than they paid...certainly in my lifetime. [...] It's criminal that so little is asked of people who are getting so much. [...] I really don't mind paying more taxes. [...] Is it that much worse if we pay 6 percent more in taxes? Give me a break. [...] Why don't you just tax the really rich, you know, guys like me?"

(Amen, brother. The alternative to new revenue is more bone-deep budget cuts. Among those who would "feel the pinch" of more budget cuts are students, seniors, the unemployed and even our service men and women. We're talking about drastic reductions to programs that, whether we realize it or not, we all benefit from in some way.)

  • On education as a national priority: "I'd rather pay for taxes than cut Reading is Fundamental or Head Start or some of these programs that are really helping kids."

(Cuts to education budgets — an exercise in poor judgment and shoddy governance — have become an epidemic. No good can possibly come of them. Even Time magazine's "Curious Capitalist," Michael Sherman is calling for an alternative to the debt-driven growth model of recent decades. He calls for, among other things, "massive investments in education and job re-training to take advantage of the new world." Sherman explains, "More education will prepare more people to work in new industries, or to invent new industries of their own.")

Damon's comments on education and the economy have made him a lightning rod for media attention and, thus, an important awareness-raising figure. The work of the progressive movement isn't getting any easier, so we're thankful for all the help we can get. Like many others, we're glad to have his support. 

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"Tax Us? Go for it," say these rich people

As a phenomenally wealthy individual, Warren Buffett feels "coddled" by the U.S. government, which has for decades asked him to pay less and less into public coffers. His recent New York Times op-ed was a brazen call for Congress to raise taxes on richest people in the U.S. 

While the poor and middle class fight for us in Afghanistan, and while most Americans struggle to make ends meet, we mega-rich continue to get our extraordinary tax breaks. [...]

These and other blessings are showered upon us by legislators in Washington who feel compelled to protect us, much as if we were spotted owls or some other endangered species. [...]

Last year my federal tax bill...was only 17.4 percent of my taxable income — and that’s actually a lower percentage than was paid by any of the other 20 people in our office. 

Buffett's effective federal tax rate isn't just lower than the other 20 folks in his office, it's actually lower than many middle class families' tabs. He wants new revenues to come from the rich, not the poor and the middle class, who he feels "need every break they can get." 

Buffett's not-so-wild sentiment received due support from members of UFE's Responsible Wealth project (RW). Former Wall Streeter and RW member, Edith Everett, echoed Buffett in a column on AMNY.com, recognizing that the wealthy, like herself, didn't become so by themselves.

People who are just scrimping and saving to pay their rent, they shouldn't pay one penny more. Rich people make their money on the backs of the workers.

RW director Mike Lapham and businessman/RW member Jim Mann were invited onto SoCal public radio to combat baseless arguments from the economics naysayers of Americans for Tax Reform (ATR). The pair added yet more legs to the Buffett argument, Mann noting that historically high economic inequality must be strongly considered as we move forward.

It's in my self interest — and that of just about everybody in America — not to live in a place where economic and wealth disparity continues to grow the way it has over the last twenty years. The idea of having a democratic system is pretty unsustainable where 1 percent of the population has that enormous 20 or 40 percent of the wealth. [...] That leads to political instability. I'm happy to pay higher taxes, because I know it's somehow morally the right thing to do, which it is. I also think that on a practical level it's the right thing to do, so that my kids and my grandkids continue to live in a country that has a stable political and economic system. 

ATR representative Mattie Corrao made a particularly foolish and tissue-thin assertion that people like Buffett should simply volunteer to pay more taxes. Lapham made prompt waste of Corrao's flimsy talking point.

Corrao: Warren Buffett himself is welcome to pay more taxes if he feels that this is a tax issue...If he truly felt that that was the issue, he could certainly write the treasury a check. 

Lapham: It's crazy that effective tax rates go down as income goes up. The wealthiest in this country are paying a far lower percentage than most everyone else [...] It's just sort of a juvenile response to say that we should just send in a check voluntarily. We can't voluntarily stop at stop signs or pave our own roads or test our own water. 

I'll add that every dollar of additional revenue is a dollar less that would otherwise be slashed from Medicare, Social Security, education, research, infrastructure or any other of a host programs that this country so desperately needs. New revenue can also make possible a jobs program, which, for no good reason, continues to elude Congress and the Obama Administration. And, the only rational way to generate new revenue is to demand shared sacrifice from the wealthy and corporations. 

The alternative is a pillow to the face of the economy — more budget cuts, more jobs lost and more devastation to struggling families. The result will be either another painful dip in the ongoing recession or a full-blown depression.

If you agree with Warren Buffett and Responsible Wealth, sign MoveOn's online petition — they're trying to gather at least 200,000 signatures. Then, call your legislators and tell them you want new revenue and you want it to come from raising taxes on the wealthy and corporations.

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RW Member Shows Support for Buffett on SoCal Radio

RW director Mike Lapham and businessman/RW member Jim Mann were invited onto SoCal public radio to combat baseless arguments from the economics naysayers of Americans for Tax Reform (ATR). The pair added yet more legs to the Buffett argument for higher taxes on the wealthy. Mann also noted that historically high economic inequality must be strongly considered as we move forward.

Listen here:

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