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Get what’s right, not what’s left by James Clingman

August 21, 2016

Blackonomics

Get what’s right, not what’s left
 By James Clingman
clingman

(TriceEdneyWire.com) - If you are serious about economic empowerment, you must dismiss the empty rhetoric of pandering politicians, the transparent ramblings of self-righteous religious pretenders, the oratory of warmongering money-grubbing government officials, and the unbounded pronouncements and musings of speechifying intellectuals.  If your leaders are only talking about the problems and have nothing to show for their monologue, such as a genuine plan of action, an institution they have established to deal with the problems they decry, or a movement that will help you economically, you must not follow them.  If you are serious, be a leader not a lemming.

Being stuck in a morass of political clap-trap is definitely not conducive to Black people making headway to being truly empowered.  Unfortunately, we are swamped with the daily cacophony of political experts who cannot wait to make their points before another panelist is finished speaking, which ends up in a rhetorical free-for-all that results in no one’s point being heard.  Why such emotion when it comes to an individual’s support, or lack thereof, for a particular candidate?  I guess it makes for good ratings.

Unless we change our political ways, it really won’t matter who wins because Black people will continue to get nothing specific from any one of the candidates.  Instead of us getting what is right, we will always get what is left; we will get leftovers, scraps, crumbs, from the tables of political aristocrats whom we created by putting them in office.  The relative few oligarchies that rule over us will maintain their positions regardless of who the President is, and we will be the latest group that, having no bread to eat, is told to eat cake instead.

Getting what’s right from the political system and those who write public policies requires action, work, sacrifice, and resolve. It will not happen simply because it ought to; it will only happen if we make it so. It will only happen if there is a price to pay by those in charge for not giving us what’s right.  The original Tea Partiers knew that when they tossed British tea into the Boston Harbor.

If we fail to organize a critical mass of Black consumers and voters, about one million or so, and leverage the collective power within such a group, we will never see the reality of reciprocity in the marketplace and quid pro quo in the public policy arena.  This is something that can and must be done, not by “all” Black people, which will never happen anyway, but by a relative committed few of us, in order to get what’s right rather than what’s left.

Settling for leftovers will keep us in a subservient position, begging for what we need but continuing to buy what we want, buying more than we sell and consuming much more than we produce.  We will never build the leverage we must have in order to make a positive difference for our people.

So as we fight for what’s right for Black people, as we seek reciprocity, fairness, justice, and empowerment, we must focus on us first, and make sure we do what we must for ourselves first.  As we seek the largess of corporations with which we do business every day, and as we petition politicians for redress and repair in return for the centuries of mistreatment to which we have been subjected, we cannot afford to be reticent and complacent.

You may ask, “How do we achieve those things, Jim?”  Well, as a friend of mine, Peter Block, titled one of his books, “The answer to ‘how’ is YES.” We must agree to say yes.  Not “yes we can” but “yes we will.”  We must be resolute in our demands and back up those demands with the power to reward and punish.

Our fight for reparations, for instance, gets diverted by the “How?”  Let’s make the answer “Yes.”  In the past 200 years Blacks and Whites have advocated for reparatory justice for people of African descent; we must take up the gauntlet and make it a reality.

“For the first time in the history of relations between people, a precedent has been created by which a great State, as a result of ‘moral pressure alone,’ takes it upon itself to pay compensation to the victims of the government that preceded it. For the first time in the history of a people that has been persecuted, oppressed, plundered and despoiled for hundreds of years in the countries of Europe, a persecutor and despoiler has been obliged to return part of his spoils and has even undertaken to make collective reparation as partial compensation for material losses.”  David Ben-Gurion comments on German reparations for Jewish people.

“Moral pressure alone” is not enough for us to get what’s right rather than what’s left.

90 Million Consumers Save $2.2 Billion Each Year Without Triple-digit Interest Loans By Charlene Crowell

August 21, 2016

90 Million Consumers Save $2.2 Billion Each Year Without Triple-digit Interest Loans
By Charlene Crowell

charlene-crowell

(TriceEdneyWire.com) - News – we read it, talk about it, even complain about it from time to time. But if you look close enough, the good news can still be found – like Olympic gold medalists of all colors winning in Rio, or a series of voter suppression laws ruled unconstitutional in several states.

And there’s even more good news on the financial front. New research finds that 90 million consumers are saving $2.2 billion each year. These savings didn’t come from pay raises or bonuses, or new jobs. Instead, these financial gains came when a pernicious form predatory lending became illegal.

Let’s call these locales “shark-free” states where interest rates on small-dollar payday loans are legally limited to no more than 36 percent. Instead of living on financial tightropes from one payday to the next, these consumers are paying off bills and even saving some money on a regular basis.

Call me old-fashioned, but when bills are paid and I’ve still got money to call my own, I feel like things are going OK. I’m betting others do too. As one of my colleagues recently remarked, “When $2.2 billion of fees go away, who wouldn’t feel better?”

That colleague’s name is Robin Howarth, and she’s a senior researcher with the Center for Responsible Lending (CRL). She and another colleague, Delvin Davis, also a senior researcher are co-authors of the policy brief, Shark-Free Waters: States are Better Off without Payday Lending. Working together, the two of them found that consumers in payday-free states have found multiple ways to manage temporary cash shortfalls and at a fraction of the cost of payday loans.  Their conclusions were informed by a series of academic studies, surveys and focus group results.

Contrary to the claims of industry supporters, consumers are satisfied with the respective state bans. In North Carolina, 9 out of 10 low and moderate-income consumers expressed that payday lending was not in their best interest. “They’re there basically to rob people that need money,” noted one North Carolina consumer.

According to another focus group participant from Arkansas, “I found that I really could do better without them [payday loans]. . . .I have actually paid off debts by a little at a time.”

As shared in earlier columns, consumers of color are especially hard hit payday lending’s debt trap. Earlier studies have shown that in states allowing payday lending, such as Florida and California, Black and Latino neighborhoods have twice the concentration of payday stores than their white counterparts.

On the positive side, other states now benefitting from consumer-friendly payday loan reforms are Arizona, Arkansas, Connecticut, Georgia, Maryland, Massachusetts, Montana, New Jersey, New York, North Carolina, Pennsylvania, Vermont and West Virginia. Among these states, 12 also limit interest rates for car-title loans, thereby further boosting consumer savings even further each year.

For example, in New York, the most populous state of the 14 with rate caps, consumers save a total of $789,995, 328 in combined fees for payday and car title loans. Lower but substantial savings were also found in Pennsylvania ($489,497,834), North Carolina ($457,729,960) and New Jersey ($346,587,204).

By contrast, where payday loans remain legal, borrowers pay fees of over $4.1 billion annually, with the average customer taking out 10 loans a year. The repeat borrowing cycle creates a debt trap for consumers that is easy to access but extremely difficult to retire.

Imagine what could happen if all communities and states became financially free of fees that bite your finances just as hard as a shark could in the ocean. The financial bleeding would stop and you’d likely gain real choices for things that have seemed like distant dreams.

“When payday loans are not available, a substantial portion of former payday borrowers in the range of 20-35 percent would immediately have access to either savings or mainstream credit as an alternative source of liquidity without applying for any new credit,” states the report. “There is also evidence that former payday borrows may be able to access new mainstream credit, perhaps because of improved financial condition combined with an increased willingness to search for new forms of credit after a payday ban.”

“We can only image that these significant savings to consumers bring about greater financial stability and are the measurable basis for consumer satisfaction,” added Howarth.

”Over the years, CRL’s payday research has focused on the ills of these predatory loans,” said Davis. “This policy brief points out the benefits consumers gained by limiting interest rates – whether by voter referendum or state legislation. Money stayed in their pockets, instead of paying high-cost fees.”

To borrow a line from a Samuel Jackson commercial, ‘What’s in your wallet?”

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Charlene Crowell is the communications deputy director with the Center for Responsible Lending. She can be reached at This email address is being protected from spambots. You need JavaScript enabled to view it..

The Shame of Milkwaukee By Jesse Jackson

August 21, 2016

The Shame of Milkwaukee
By Jesse Jackson

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(TriceEdneyWire.com) - Now it is Milwaukee. On Saturday, a car with two African-American men was stopped for “suspicion.” The men fled, the policeman pursued, and the driver, reportedly armed, was shot and killed.

And Milwaukee exploded. Angry crowds confronted police, set fires, threw rocks. At least half-dozen businesses — including a grocery store, a gas station and an auto parts shop — were robbed or destroyed. The Saturday shooting was part of a weekend filled with violence in Milwaukee. Five people were shot and killed overnight Friday.

Milwaukee law mandates an investigation of any police shooting. Immediately, focus goes to the harsh relations between police and the community. But to understand the reaction to the shooting, it is necessary to go much deeper.

This city is “a powder keg,” Ald. Khalif Rainey told The Washington Post. “This entire community has sat back and witnessed how Milwaukee, Wis., has become the worst place to live for African-Americans in the entire country. Now this is a warning cry. … Do we continue — continue with the inequities, the injustice, the unemployment, the undereducation…? The black people of Milwaukee are tired. They’re tired of living under this oppression. This is their existence. This is their life. This is the life of their children.”

An exaggeration? An excuse for rioters? Inflated rhetoric? Consider Milwaukee’s stark realities.

Milwaukee is the most segregated city in the United States. Black household income is the third lowest in the U.S. Its black poverty rate is the highest in the U.S.

These are figures presented in a haunting and damning 2015 report, “The Shame of Milwaukee: Race, Segregation and Inequality,” by Marc V. Levine of the University of Wisconsin-Milwaukee.

The data show a black population segregated into neighborhoods of concentrated poverty with declining prospects. Real black household income in 1979 was $39,105; in 2013 it was $27,438, a foul decline of nearly 30 percent. Household income for all races in Milwaukee has declined over the course of this century, but far worse for blacks and Hispanics than whites.

Nearly 40 percent of African-Americans are in poverty, up from 27 percent in 1969. Nearly 40 percent of African-Americans in the core working age (25-54) are unemployed. This is in stunning contrast to the 15.2 percent black unemployment rate in 1970. For males aged 20-24, the beginning of a work life, over two-thirds of blacks are unemployed — 68.4 percent — a staggering increase from 25.3 percent in 1970.

Schools are doubly segregated by race and by poverty. Seventy-one percent of black students attend “hyper-segregated schools” — those in which at least 9 of 10 students are minority. Nearly half of all black students go to schools with 90 percent poverty rates.

In 1963, Dr. Martin Luther King launched the modern civil rights movement in Birmingham, Ala., saying, “Birmingham is probably the most thoroughly segregated city in the United States. I am in Birmingham because injustice is here.”

Well, the injustice is worse in modern Milwaukee than it was in segregated Birmingham. Black poverty, unemployment and impoverished neighborhoods are all worse. The percentage of blacks attending hyper-segregated schools in today’s Milwaukee is far worse than the Jim Crow schools of Birmingham (71 percent to 56 percent).

This is, as Ald. Rainey stated, a powder keg. Police are tasked with “keeping order.” That is like trying to stop a seething volcano from exploding by suppressing the gases coming out the top. Even doing that skillfully won’t work.

Milwaukee is not the worst. Black income has plummeted more in Cleveland and Detroit. School segregation is worse in New York and Chicago. Violence stalks the mean streets of impoverished urban neighborhoods across the country.

And this obscene injustice gets worse with no action and little notice. The poor, the New York Times reports, are barely mentioned by either presidential candidate. And they are largely ignored by the media. On Saturday and Sunday, riots occurred in Milwaukee, a major American city. That didn’t make front page of the Monday New York Times, which led with stories above the fold about a Trump adviser, liberal worries about Hillary Clinton and malaria in Venezuela.

In Birmingham, Dr. King’s cry against the injustice of segregation touched the conscience of concerned citizens across the country. Will anyone hear the cry of the north side of Milwaukee, or the south side of Chicago? Or will our cities have to explode before action replaces neglect?

Hillary Clinton Stands on the Shoulders of Shirley Chisolm by Marc H. Morial

August 21, 2016

To Be Equal 


Hillary Clinton Stands on the Shoulders of Shirley Chisolm

By Marc H. Morial

 

 

NEWS ANALYSIS

 

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Congresswoman Shirley Chisholm announcing her candidacy for presidential nomination in 1972. PHOTO: Library of Congress

 

(TriceEdneyWire.com) - “Women in this country must become revolutionaries. We must refuse to accept the old, the traditional roles and stereotypes…We must replace the old, negative thoughts about our femininity with positive thoughts and positive action affirming it, and more. But we must also remember that we will be breaking with tradition, and so we must prepare ourselves educationally, economically, and psychologically in order that we will be able to accept and bear with the sanctions that society will immediately impose upon us.” - Shirley Chisholm

 

The nation has marked the historic occasion of the first woman in American history to win the Presidential nomination for a major political party.

 

While Hillary Clinton has come further than any woman Presidential candidate, she is not the first. Victoria Woodhull ran as the candidate for the Equal Rights Party in 1872. Margaret Chase Smith challenged Barry Goldwater for the Republican nomination in 1964. More recently, Pat Schroeder in 1988 and  Carol Moseley Braun in 2004 vied for the Democratic nomination.

 

But the most historically significant forerunner to Hillary Clinton was Shirley Chisholm, the Brooklyn-born trailblazer who was also the nation’s first African-American Congresswoman.

 

The daughter of working-class immigrants from the Caribbean, Chisholm became interested in politics while serving as the director of a child day care center and an educational consultant for the New York City Division of Day Care.  She served three years as a New York State Assemblywoman before running for Congress in 1968 with the slogan "Unbought and unbossed".

 

“My greatest political asset,” Chisholm said, “which professional politicians fear, is my mouth, out of which come all kinds of things one shouldn’t always discuss for reasons of political expediency.”

 

Chisholm hired only women for her staff, half of whom were African-Americans. “Of my two handicaps, being female put many more obstacles in my path than being Black,” she said.

 

She announced her candidacy for President at a Baptist church in Brooklyn. In an article about her candidacy, the Associated Press wrote, “Ironically, her major headache seems to come from Black politicians.”

 

“They think that I am trying to take power away from them,” she said. “The Black man must step forward. But that doesn’t mean the Black woman must step back.

 

“While they’re rapping and snapping, I’m mapping,” she said.

 

She competed in 14 states, winning 28 delegates to the convention. As a symbolic gesture, candidate Hubert Humphrey released his 83 Black delegates to cast their votes for Chisholm.  With the votes of several other delegates at that contentious convention, Chisolm finished fourth in a field of 13, with 152 delegates.

 

It is hard to imagine, in this era of sharp division in politics, the remarkable moment during that campaign when she visited her segregationist rival, Alabama Governor George Wallace, in his hospital room after he was shot and wounded. “What are your people going to say?” he asked her. “I know what they are going to say,” she said. “But I wouldn’t want what happened to you to happen to anyone.”  She recalled that her words moved him to tears.

 

Chisholm retired from Congress in 1982 and remained an outspoken activist for civil rights until her death in 2005.

 

It would be difficult to overestimate the impact and influence of Chisholm’s Congressional service and Presidential candidacy. While Congress remains disproportionately white and male, one-in-five members of the current House and Senate are a racial or ethnic minority, making the 114th Congress the most diverse in history.  The nation’s first African-American President is winding up his second term, and a woman – a former senator and Secretary of State – has just won the Democratic nomination for President.

 

In her acclaimed speech on the Equal Rights Amendment in 1970, Chisholm said, “The Constitution they wrote was designed to protect the rights of white, male citizens. As there were no Black Founding Fathers, there were no founding mothers - a great pity, on both counts. It is not too late to complete the work they left undone. Today, here, we should start to do so.”

 

Marc H. Morial is president/CEO of the National Urban League.

Lack of Sleep Can Lead to False Confessions By Andy Henion

Aug. 15, 2016

Lack of Sleep Can Lead to False Confessions
By  Andy Henion

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Special to the Trice Edney News Wire from NorthStarNewsToday.com

(TriceEdneyWire.com) - Sleep-deprived people are much more likely to sign false confessions than rested individuals, according to a new study that has important implications for police interrogation practices. The odds of signing a false confession are 4.5 times higher for people who have been awake for 24 hours than for those who had slept eight hours the night before.

“This is the first direct evidence that sleep deprivation increases the likelihood that a person will falsely confess to wrongdoing that never occurred,” says Kimberly M. Fenn, associate professor of psychology at Michigan State University. “It’s a crucial first step toward understanding the role of sleep deprivation in false confessions and, in turn, raises complex questions about the use of sleep deprivation in the interrogation of innocent and guilty suspects.”
False confessions in the United States are thought to account for 15 percent-25 percent of wrongful convictions. And past research has indicated that the interrogation of unrested, possibly sleep-deprived suspects is commonplace.

For the study, 88 participants completed various computer activities and a cognitive test during several laboratory sessions over a weeklong period. Participants were given several warnings not to hit the “escape” key because “this could cause the computer to lose valuable data.” Participants were monitored during the tasks.

On the final day of the experiment, half of the participants slept for eight hours while the other half stayed awake overnight. The next morning before leaving the lab, each participant was shown a statement summarizing his or her activities and falsely alleging the participant had pressed the escape key. Participants were asked to sign the statement, check a box confirming its accuracy, and sign their name.

The results were striking: 50 percent of sleep-deprived participants signed the false confession, while only 18 percent of rested participants signed it.
Further, sleep deprivation had a significant effect on participants who scored lower on the Cognitive Reflection Test, which is related to intelligence. Those participants were much more likely to sign the false confession.

To protect against the harmful effects of false confessions, the researchers recommend interrogations be videotaped, giving judges, attorneys, and jurors added insight into a suspect’s psychological state.

Suspects also can be given a quick and easy test to determine sleepiness prior to an interrogation. Participants in the current study that is published in the Proceedings of the National Academy of Sciences, were given the publicly available Stanford Sleepiness Scale; those who indicated a higher level of sleepiness were significantly more likely to sign the false confession.

“A false admission of wrongdoing can have disastrous consequences in a legal system already fraught with miscarriages of justice,” the authors write. “We are hopeful that our study is the first of many to uncover the sleep-related factors that influence processes related to false confession.”
Researchers from the New School for Social Research, California State University, and the University of California, Irvine, are coauthors of the study.

Andy Henion is a researcher and newswriter at the Michigan State University.

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