Archive for February 2016

Bernie Sanders’ Health Care For All And Free College: Idealism Or Practical Realistic Look?

Fifty-eight nations with universal health care–

Republicans and other critics call Bernie Sanders proposals for single payer health care for all and free college education impractical idealism. Do these propositions represent idealism? And are they unwise?

The Merriam-Webster dictionarys easy meaning of idealism is the mindset of an individual who thinks that it is possible to live according to really high requirements of behavior and honesty. According to this meaning declining the idealism of universal healthcare and complimentary college education would be the contrary: acceptance of low requirements and dishonesty.

The predominant view of idealism, however, is more in line with its meaning in classical Greek sculpture:. It is created to mirror reality in an idealized method, to develop the excellence that the ancient Greeks intended for in art, viewpoint, and all way of expression. Simply puts, classical Greek sculpture offers an idealized version of the body imitated in couple of if any real people– a wishful impractical daydreamed truth.

Which specifically what critics are labeling universal health care and free college education– unwise dreams. Yet absolutely nothing could be even more from the fact. Why? Since working examples of both are gazing right at us in countries on every continent.

Every other developed nation has universal health care– some going back to the very first half of the twentieth century. Thus, isn’t really it odd, suspicious, and disgraceful to insist that single payer healthcare for all its citizens is not practical today for the richest nation in the history of the world?– especially thinking about that Norway had single payer health care as early as 1912, Japan in 1938, Belgium in 1945, and the United Kingdom in 1948. Even some developing countries have universal coverage and others are making every effort toward it.

Likewise, totally free or low cost college education can be discovered throughout the worldaround the world, consisting of: the Nordic countries, France, Belgium, Germany, Spain, Czech Republic, India, Argentina, Taiwan, and more. Examples of totally free and low cost college education have actually existed at various times in our nations history, including throughout the Great Anxiety and after The second world war.

Lets be sincere. To call healthcare for all and complimentary college education idealism is to deny realistic possibilities in the service of an ideology that idealizes greed and eschews empathy and courage. Its defeatism and a betrayal of the American way. It is certainly not the achievement that Donald Trump says he wants to restore to our nation.

Sociologist Theodore Roszak understood that well. Sixteen years back in a talk prior to the American Society on Aging he compared the state of healthcare in America to the vehicle industry at the turn of the twentieth century. Vehicles were at first toys for the rich, he noted. They were costly and there were couple of paved roadways to accommodate them.

However Roszack indicated visionaries who anticipated that the automobile would eventually end up being important for commerce and a big boost for the economy. These optimistic thinkers envisioned a large network of roadways and highways criss-crossing America. The naysayers spurned the possibility of comprehensive roadway construction. A 1902 commentary in Harpers Weekly jeered: The actual structure of roadways devoted to motor vehicles is not for the near future, in spite of many rumors to that impact. Other challengers of highway construction, according to Roszak, wept out, Thats crazy and will cost hundreds of millions– we cant manage it However vision led the method and the roads were built. Idealism thrived over pessimism.

Roszak concluded that America took the visionary path since we valued company and for that reason were willingwanted to do whatever was necessary to support it. Using that believing to health care, he anticipated that when we really value wellness we will discover the will and suggests to offer healthcare for everybody.

The very same is the case for education. If we genuinely valued education and fully comprehended that a college-educated workforce is crucial for America to compete effectively in the 21st century economy, we would not endure the forbidding financial obstacle to higher education. A barrier that is overwhelming for many, that forces others to postpone college, stretch it out, or drop out– and for the huge majority who make it through to graduation enforces a crippling student debt load.

So lets drop the idealism rhetoric and discuss vision, empathy, and courage to do whats right for all Americans– and a terrific future for our nation

Bernard Starr, PhD, is a psychologist and professor emeritus at the City University of New York (Brooklyn College). He is also the main United Nations representative for The Institute of Global Education (IGE) that founded the Mucherla Global School in Mucherla India. IGE is an NGO with consultative status with the Economic and Social Council (ECOSOC) of the United Nations.

Home Loan Market Sees Little January Dip

Taking a look at purchase activity, brand-new home mortgage numbers offered for January show home loan volume last month slipped 3 percent to $86.7 million, compared with $89.4 million in January 2015. Thats according to real estate details company Chandler Reports,

The average amount of each home loan saw a similar decline. That number likewise fell a bit over the two Januarys from $163,692 to $157,590, a 3.7 percent dip. Meanwhile, the number of home mortgages themselves was basically flat, with 550 last month compared to 546 in January 2015.

The months efficiency does not necessarily hint more decreases to come, some realproperty and home loan experts informed The Daily News. Consider it part of the regular winter season slowdown, as the temperatures drop and home mortgage activity cools as typical around this time of year.

Rates are still good, states DiscoverFind out more about Linda Sowell

Take advantage of countless public records, notifications and posts on The Daily News with our ever-growing line of services.Try one of these to obtain you began: Name Browse Watch Service > Linda Sowell
, co-owner of Sowell amp; Co. Real estate agents. The brand-new regulations are slowing us up a bit. Were needing most likely 45 days rather than 30, although often we can squeak in a little under that.

The numbers that the most current figures are compared versus also make a difference. Broker Learn more about Tommie Criswell

Tap into countless public records, notifications and short articles on The Daily News with our ever-growing line of services.Try one of these to get you started: Call Search Watch Service > Tommie Criswell said the January 2015 totals were a bit more powerful than usual, which skewed the contrast in between those and last months totals. Other elements she and other specialists point

to: low inventory and a volatile stock exchange, which may be tamping down hunger for signing on the dotted line today. About the fact of low inventory, Jules Wade, principal broker with Coldwell Banker Collins-Maury, told The Daily News previously this month that Shelby County has too few new houses under building currently to change the areas aging housing stock. All that said, though, its not simply the contrast to January

2015 that puts last months slump into context: The dip in between December and January was much more pronounced. Volume was down almost 40 percent from December to January, from almost$ 139 million to virtually$87 million. Likewise, the average home mortgage amount was also down throughout that period, from $174,474 to $157,590. That exact same pattern has actually been evidentappeared nationally in recent days. According to data released Feb. 3, the national Home mortgage Lenders Associations Weekly Home mortgage Applications Study shows home mortgage applications were down 2.6 percent from one week previously. So exactly what does the near future hold? For his banks part, BankTennessee president and CEO Jim Thrashing stated purchase and refinance activity will tick

up from here. Spring is around the corner, and the mortgage market is hot, he said. Building values are enhancing due to more sales in the location and low volume of houses noted for sale. As homes go on the market, they get a contract right away, and homes normally appraise for the agreement price. Chandler Reports is a division of Learn more about The Daily News Publishing Co Use countless public records, notices and articles on The Daily News

with our ever-growing line of services.Try among these to get you began: Call Browse Watch Service > The Daily News Publishing Co.

Keystone College Education Majors To Student Teach At Abington Area Schools

Keystone College education majors who will be students teaching throughout the 2016 spring term are from left, initially row, Samantha Vetri, Anthony Gaynor, Maura Warner, Kiely Martin, Nicole Mackrell, Danielle Wheeler. 2nd row, Danielle Pardoe, Shannon Nolan, Sean Durkin, AnnMarie Lomauro, Jackie Harris, and Karri Franko. Missing at the time of photo were Corey Shevchik and Brian Toda.
Submitted picture

Do Americans Believe Effort Still Matters?

For the past numerous years, it seems there’s been a general agreement on ways to get ahead in America: Get a college education, discover a trusted job, and purchase your own home.But do Americans still thinkcare about that course, and if they do, is it attainable?The most currentnewest Allstate/National Journal Heartland Monitor poll asked respondents about the American dream, what it takes to accomplish their goals, and whether or not they felt a considerable quantity of control over their capability to be successful. Overwhelmingly, the results reveal that today, the idea of the American dream– and exactly what it requires to achieve it– looks rather various than it did in the late 20th century.More From Our Partners Americas Persistent Economic Grief How Immigrants Are Assisting to Revive Detroit Crossing the

Mexican-American Border,

  • Every Day By and huge, people felt that that
  • their actions and difficult work– not outside forces– were the
  • deciding aspect in how their lives ended up. However participants had

    extremely mixed sensations about exactly what actions produce a much better life in the existing economy. For instance, many Americans now see individual financial obligation as a challenge to success. Fifty-seven percent of participants stated that financial obligation motivates individuals to spend beyond their methods, and become burdened with years of interest payments. Unsurprisingly, the only exception were students, the majority of whom still see personal debt as a roadway to opportunity, given that buying a college degree can lead to lower joblessness rates and higher salaries. And that’s essential is very important, because respondents were divided on whether incomes would grow much faster or slower than they have in the past.In the last seven years, Americans have actually grown more pessimistic about the power of education to result in success. Despite the fact that they see going to college as a fairly achievable objective, a bulk– 52 percent

    — believe that young individualsyouths do not need a four-year college education in order to be successfulsucceed, as compared to 44 percent when the very same concern was postured in 2009.

Wells Fargo Downsizing 581 More Home Loan Tasks

Per San Francisco Company Times, the need for mortgage financing has actually experienced modest improvements. Amidst such a backdrop, thinking about present market conditions and customer requirements, the San Francisco-based banking giant is lowering personnel to better align with existing volumes.

Wells Fargo spokesperson Ruben Pulido was priced quote by the San Francisco Business Times stating, Delinquency and foreclosure rates for home loan loans have actually decreased to the lowest level in 4 years and are anticipated to remain to move better to historic averages in the coming year.

Considering that the home loan crisis in 2008, banks in the US have actually increased their labor force to serve increasing mortgage delinquencies and repossessions. But due to the increasing economy and the real estate market getting better, the quantity of home loan loans has actually gone down.

Staff members in Charlotte, Raleigh-Durham, Minneapolis, Seattle and Portland will be affected, but the organisation will also aim to keep most of those influenced and positioning them with different tasks with the bank.

The company believes that by cutting tasks, it will supply chances in enhancing operations and raising future quarter incomes.

Valdez: Payday Loans Are Back With A New Name

Some high-powered Arizona lawmakers lag an effort to restore the sort of high-interest, predatory loans Arizonans prohibited in 2008.

“They do not call them payday advances,” states Cynthia Zwick of the Arizona Community Action Association. “They call them flex loans – however it’s basically the very same product.”

Who are they?Republicans David

Gowan, speaker of the Houseyour house and prospect for Congress, and Sen. John Kavanagh, vice chair of the Appropriations Committee, are amongst the sponsors of SB 1447, which will be heard in the Senate Finance Committee at 9 am Wednesday.

College Student Blasts Bernie Sanders’ Free Tuition Strategy

Bernie Sanders strategy for totally free, debt-free college has actually drawn in a great deal of younger voters to his cause. (Reuters photo)

With the 2016 New Hampshire Democratic Primary just around the corner and scores of college-aged voters up for grabs, budget-friendly public college education has actually ended up being an essential selling point for Bernie Sanders. The Sanders strategy making College Tuition-Free and Debt-Free proposes offering totally free tuition at public institution of higher learnings, decreasing rate of interest on present and future student loans, meeting 100 percent of low-income students monetary needs, and tripling the federal work-study program. Just like the majority of federal government handouts, the Sanders plan will likely cost more and deliver less than it promises.Lets start with

the cost price quotes for free public higher education. Virtually every supporter of totally free tuition referrals a short article in The Atlantic from January 2014, which estimates the expense at about$62.6 billion. Sanders, considering his additional propositions, predicts closer to $75 billion. Two-thirds of his plan would be federally funded by means of brand-new taxes on Wall Street speculators, with states contributing the remainder.The issue with these calculations is that they are based on static forecasts for tuition expenses. If this assumption shows faulty, the actual cost of carrying out the Sanders plan will swell. And there are 3 excellent reasonsneeds to anticipate a boost in tuition costs.First, history recommends that tuition will remain to increase. Tuition rates have actually been progressively increasing over previous decades, with students

now paying 3.22 times more than in 1985. [See Figure 6, p. 18.] The Sanders strategy will likely irritate this trend because it will get rid of any reward for public organizations to slow these increases.Second, any decrease in current sources of earnings would likely need increases in tuition rates to cover the shortage. For example, a large part of public college budget plans are governmentally funded through appropriations, grants, tax benefits, and work-study programs. In FY 2013, state aid and local taxes cumulatively contributed $78.8 billion to public highercollege. Cuts to state or regional spending plans might lead to less earnings for public institution of higher learnings, which would need to be balanced out by higher tuition rates.Most public organizations likewise depend upon earnings from health centers, complementary business, private presents, investment earnings and other instructional activities. These sources contributed $80 billionor one-third of total revenueto public organizations

(four-year, two-year and less than two-year )in 2012. Although these programs are usually self-sustaining, the amount of profits they create is not ensured. Unforeseen earnings deficits in these locations could also result in tuition hikes, costs ultimately saddled onto the taxpayer under the Sanders plan.

Visitor View: College Education Is Key To Achieving Dreams

Between work, caring for kids and simply paying the monthly expenses, the concept of going back to college, for many adults, may seem impractical at firstin the beginning.

But we are working hard to encourage grownups to return and finish college, and we have actually challenged our higher education organizations to discover ways to assist adults who are interested in returning and getting that degree or credential.

Last month, we revealed Tennessee Reconnect + Complete, urging Tennessee grownups with some college credit to go back to college and finish their degrees. We have 110,000 Tennesseans who are over halfway complete toward a degree however have dropped out. Of those, 25,000 most likely have enough credits to finish in only one added term.

In general, around 940,000 Tennessee adults have accomplished some college credit but left prior to obtaining a degree.

We desire Tennesseans to achieve their dreams. Data show us that when adult students return to greater education, they do extremely well.

Our Tennessee Reconnect + Complete effort consists of:

Comprehensive training for college and university leaders on finest practices to serve adult students.

A targeted marketing and outreach project to reconnect with interested grownups and assist them return to school.

A one-stop store site,, to aid adult students in linking with the ideal college, discovering monetary assistance and making use of prior finding out experience to receive college credit.

We understand it can be tough to take that very first actioninitial step toward returning and getting a degree. We want Tennesseans to complete, get a credential and make a larger paycheck that can originate from finishing school.

It’s not just important for our adults to complete a college education; it will help offer a quality workforce for our employers and our state.

Tennessee Reconnect + Complete is part of our Drive to 55, the initiative we launched in 2013 where the objective is to increase the variety of Tennesseans with a post-secondary degree or certificate to 55 percent by 2025.

Other parts of the Drive to 55 consist of:

The Tennessee Pledge, the country’s first scholarship and mentoring program that supplies high school graduates last-dollar scholarships to attend 2 years of community or technical college totally free of tuition and charges.

Reducing the variety of college freshmen requiring restorative education through the SAILS (Seamless Alignment and Integrated Knowing Support) program.

Offering totally free technical college for adults through TCAT Reconnect Grants.

Establishing a more extensive state technique to serving student veterans.

Leveraging innovation to improve class instruction and college recommending.

We are gaining nationwide attention for our efforts. We now have our very first class of Tennessee Pledge students attending college. There are 16,291 of them, with 85 percent of them at neighborhood colleges and 13 percent at our colleges of used technology.

The students in our Tennessee Pledge program have a possibility to be part of something special. But we feel the exact same about the countless adults who began down a path towards a degree but left school. We desire them to understand it is not too late to go back and complete their degrees.

These efforts are concentrated on altering the discussion around going to college in Tennessee and altering the culture of expectations in our state, and that is happening.

For more informationTo learn more, please go to

Costs Haslam has actually been Governor of Tennessee because 2011.


Election 2016: Wall Street Loans To Ted Cruz Under New Examination

Days prior to New Hampshire’s first-in-the-nation main, the Federal Election Commission askedRepublican Ted Cruz to supply more information about the loans he received from significant Wall Street banks throughout his 2012 Senatecampaign.

In a letter dated Feb. 2, the commission wrote that Cruz had originally reported that a loan to his campaign was “obtainedoriginated from ‘personal funds'” but “should have been reported as obtainedoriginated from bank loans.” In 2013, Roll Call reported that Cruz made an individual loan to his Senate campaign of in between $500,000 and $1 million. At the same time, Cruz had received individual loans of as much as $1 million from Citibank and Goldman Sachs. (His better half has beenemployedat Goldman Sachs since 2005; she is currently on a leave of absence.)

The New York Times reported last month that the loans from the Wall Street firms were includedon Cruz’s financial disclosure kinds when he entered the Senate, however not on his project reports submitted with the FEC. That suggests the loans weren’t scrutinized during his election run, where he cast himself as a populist who would challenge the power of big banks.

In its file, the Times said “there is no evidence that the Cruzes got a break on their loans” from Citibank or Goldman. However, more proof about the loans may be forthcoming: The FEC’s letter– which was first flagged by PoliticalMoneyLine– states Cruz is now required to reveal the “total terms” of any campaign loans initially derivedoriginated from the banks. The commission stated Cruz should react to its needs by March 8, and that failure to do so “could result in an audit or enforcement action.”