Can’t Afford Your Rent? Blame Herbert Hoover.

“At the beginning of the 20th century, there were virtually no zoning laws in the United States. By 1921, zoning had come to 48 large U.S. cities, representing a fifth of the country’s population. By 1932, 1,165 municipal governments had adopted zoning, covering more than two-thirds of the urban population. By 1968, nearly every metropolitan government had zoning, as did large swaths of rural America.

It was a revolution, and a rapid one. Property owners were once allowed to use their land for the most profitable or desirable use: live on it, sell it to a commercial or industrial business, sell it to a developer. Now nearly every municipality has rules that dictate how a piece of land can be used and what kinds of housing, if any, are allowed on it.

This wasn’t a spontaneous shift: The federal government made a concerted effort to promote the comprehensive regulation of local land use through zoning. That hasn’t just meant a decline in Americans’ liberties. It has meant sharp increases in the cost of housing and a country much more segregated by class and race.

Zoning arose at a time of rapid urbanization: The percentage of Americans living in urban areas jumped from 14 percent in 1880 to 54 percent in 1920. One source of this swelling was the Great Migration of African Americans out of the South and into Northern cities. Another was the large-scale migration of Eastern and Southern Europeans to the United States: The foreign-born share of American residents peaked at 15 percent around 1920.”

“In 1920, native-born whites were much more likely to be homeowners than were immigrants from Eastern and Southern Europe, or Hispanics, or Asians, or African Americans. So zoning laws prioritized the single-family detached home and sought to isolate it from multifamily housing and from commerce. Robert Whitten, an early zoning leader who consulted around the country, was explicit about this. When Atlanta hired him to develop the city’s zoning statutes in 1922, Whitten tried to prohibit black people from living in white neighborhoods, even though the U.S. Supreme Court had struck down such laws in 1917.

More broadly, Whitten argued that even one apartment sends a community of single-family homes down a slippery slope of devaluation. His views were influential: He co-authored the New York City Planning Resolution, adopted in 1916, which the 1968 Douglas Commission—a working group charged with reporting to Congress about urban problems—later cited as setting “the basic pattern for zoning ordinances to this day.” That law attempted to curb the mixed use of land (combining businesses and residences) practiced by the city’s recent immigrants.”

“I don’t want to suggest that zoning has had no positive effects. It has helped improve the quality and safety of housing. It has made it easier to link housing developments to roads, water, sewage pipes, and other infrastructure. It has certainly accomplished its goals of stabilizing property values and helping families keep away from factories, nightclubs, and garbage dumps. It may not be the only way to achieve such ends, but it has achieved them.
Yet zoning has failed by the most obvious and measurable metric: It has made housing far less affordable.

Zoning, by its nature, restricts the supply of housing. Where prices exceed construction and renovation costs, as they do now throughout the country, developers have a strong incentive to build more units on each acre of existing land. Zoning forbids this in all but the small areas set aside for multifamily housing.”

“The United States stands out as having the largest gap between rich and poor in neighborhood quality among rich democracies. Using Gallup World Poll data from 2009–2017, I was able to calculate the percentage of people in each country who rate their neighborhood favorably in terms of overall satisfaction, safety, affordability, and similar measures. I found that people in the bottom income quintile in the United States were roughly 15 percentage points less likely to give favorable answers than people in the top income quintile. That compares to a gap of only two percentage points in Sweden.

European land use policies, scholars have found, are not biased in favor of single-family homes the way they are in the United States. And the hostility to urbanization found among early 20th century American elites wasn’t nearly as popular in Europe, which experienced centuries of city life before the United States was even established.”

COVID-19 Could Force City Planners To Rethink Their Priorities

“For years, urban planners have been singing the praises of population density.”

“”Density is a factor in this pandemic, as it has been in previous ones,” wrote Richard Florida in the CityLab website. “The very same clustering of people that makes our great cities more innovative and productive also makes them, and us, vulnerable to infectious disease.” Some big cities have handled the crisis better than others. Some rural areas have high infection rates, too. But, as an urban studies professor, he’s distressed at big-city vulnerability.”

The COVID-19 Economic Collapse Is Absolutely Wrecking State Pension Systems

“For years, states have been warned to stop making unrealistic promises about investment returns—a trick used to make shortfalls look smaller than they really are—and to fully fund their retirement systems instead of deferring payments to later years. Both strategies are widespread in state pension systems, and both have contributed to the mess that states now face. Policy makers have clung to the belief that reforms were unnecessary because future investment growth would close the funding gaps.

That idea should now be dispelled. Even a decade of growth wasn’t enough for many pensions to fully recover from the last recession—and that should have been a warning right there, if policy makers were paying attention.”

400,000 cases later, Trump defends his February claim that the coronavirus was going away on its own

“It’s true that by February 23, Trump had restricted travel from China. But the virus was already spreading within the United States. And Trump’s public statements belie the revisionist history he’s now offering about how he took the coronavirus seriously from the beginning.
For instance, during a news conference on February 26, Trump said, “when you have 15 [coronavirus cases], and the 15 within a couple of days is going to be down to close to zero, that’s a pretty good job we’ve done.”

But instead of going down “close to zero,” the United States now has nearly 400,000 cases less than two months out from Trump uttering those words. During Tuesday’s briefing, a reporter pressed him on this point.

“When Peter Navarro did circulate those memos, you were still downplaying the threat of coronavirus in the US,” the reporter said. “You were saying things like, ‘I think it’s a problem that is going to go away within a couple of days —’”

“Which I’m right about,” Trump interjected.

The reporter continued: “You said ‘within a couple of days the cases will be down to zero.’”

Given the current magnitude of coronavirus cases in the US, you might think Trump’s comment about coronavirus going away on its own would be too much even for him to try and defend. You’d be wrong.

“Well, the cases really didn’t build up for a while,” Trump replied.”

“Navarro’s memo recommended significant immediate federal investment in personal protection equipment (PPE) for health care workers. But federal agencies largely held off on such expenditures until mid-March, when the crisis was already spinning out of control. Trump’s line on that point has been that states should’ve done more to help themselves.

If Trump really didn’t learn of Navarro’s memo until media reports about it in recent days, it’s an indictment of his administration — after all, you’d expect a top official’s conclusion that as many as 2 million Americans could die from a deadly disease would be worth bringing to his attention. But if he did see it and not only didn’t act but told the public that the coronavirus would go away “like a miracle” as he did on February 27, then in some ways that’s even worse.

What we do know is that, for whatever reason, Trump was indulging in wishful thinking during a critical period in which more proactive measures could’ve saved lives. And as a result, the goalposts have now moved to a point where Trump is preparing to tout as many as 100,000 American deaths as a win.”

YOU are a welfare queen. Middle Class Welfare. Mortgage Interest Deduction. : Sources

Policy Basics: Federal Tax Expenditures 11 18 2019. Center on Budget and Policy Priorities. https://www.cbpp.org/research/federal-tax/policy-basics-federal-tax-expenditures The biggest U.S. tax breaks Drew Desilver. 4 6 2016. Pew Research Center Estimates of Federal Tax Expenditures for Fiscal Years 2019-2023. 12 18 2019. The Joint

What we can learn from the “second wave” of coronavirus cases in Asia

““[T]o see us through the next year or more, we must all prepare for several cycles of a ‘suppress and lift’ policy — cycles during which restrictions are applied and relaxed, applied again and relaxed again, in ways that can keep the pandemic under control but at an acceptable economic and social cost,””

Why France has 4 times as many coronavirus deaths as Germany

“France and Germany, Europe’s two most powerful countries, have been hit hard by the coronavirus, with each approaching 150,000 confirmed cases. But as of April 17, France has near 18,000 dead from the infection, while Germany’s death toll has passed 4,000.
Which raises the question: How did two similarly sized countries, located right next to each other and with comparable levels of wealth and resources, end up with such starkly different outcomes?

The answer has a lot to do with how their respective governments responded to the crisis.

France had the continent’s first confirmed cases of the novel coronavirus, but the French government failed for weeks to take decisive action to impose strict social distancing measures or promote large-scale testing. Germany, on the other hand, immediately began aggressively testing and tracking people with symptoms.

Now, France is under lockdown and has just extended it until at least May 11. Meanwhile, Germany plans to reopen part of its economy next week.”

“Germany isn’t out of the woods yet. But it’s in a better position than most because it had good fortune and the good sense to start testing early and often.

France, on the other hand, had none of that.”

“February came and went with little action. Health officials advised citizens to wash their hands, keep a safe distance from others, cover their mouths when sneezing, and stay away from retirement homes. And even as Macron held video conference calls on the virus and inspected hospitals and clinics to see how his country was coping, few concrete actions were taken to impose strict social distancing measures or promote large-scale testing.

In fact, in early March, the government still allowed gatherings of up to 1,000 people to proceed. Macron, for his part, attended a theater performance on March 6, partly to show that life could continue unperturbed. He also visited a retirement home that same day, even as the number of coronavirus infections in the country was at least doubling.

To make matters worse, France couldn’t get a clear picture of the growing problem due to a lack of tests. As Politico reported last week, the country doesn’t manufacture its own testing kits, but rather “relies on China for their main components.” With China paralyzed by its coronavirus outbreak at the time, France was unable to quickly get more tests. That severely limited the country’s ability to do widespread testing early on, which public health experts say is critical to slowing an outbreak.

Macron, in effect, seemed to be sleepwalking toward disaster.”

It’s time to move past employer-based health insurance

“in July, the Center for American Progress released its “Medicare Extra” proposal. As I wrote at the time, the plan was, and is, an intriguing synthesis of left and moderate ideas on health reform. It’s universal, it uses Medicare’s pricing power to hold down costs, it rebuilds the health system around public insurance — and it gives everyone, everywhere, a true choice between public and private options, no matter what their employer is offering. In all those ways, it goes much further than Bidencare.”

“Medicare Extra retains private insurance options, allows employers to continue offering insurance to employees if they think they can provide something better than the public option, and it holds the total price tag to somewhere in the $2.8 trillion to $4.5 trillion range. Which is to say, it’s not nearly as disruptive as Sanders’s Medicare-for-all bill, and it only requires about a tenth of the tax increases.”

“The plan saves money by expanding Medicare’s pricing power throughout the system — including to employer-provided private insurance. It’s the first of the major Democratic proposals to rely on a version of all-payer rate setting.”

The coronavirus is exposing America’s housing crisis

“Landlords may start to feel the fallout, too, specifically those who rely on that rental income to pay mortgages or utility bills. Landlords may have more resources — they own a valuable asset in real estate, after all. And the CARES Act, the $2 trillion coronavirus stimulus package passed by Congress late last month, offers landlords forbearance on federally backed mortgages during the crisis.
But forbearance is also just a postponement of payment, and many can’t kick the can down the road too far, Cunningham said. “So with landlords being unable to pay their mortgages, then you have lenders essentially not being able to pay out their investors in mortgage-backed securities, so the whole entire housing system is connected.”

That could have broader implications for the economy, as anyone who lived through the 2008 financial crisis might remember. And while many advocates say this shows exactly why the US for-profit housing system is so broken, that system also likely isn’t going to change before the next rent payment is due.

Which is why, at least for the short term, policy experts say governments need to provide more robust assistance to keep people economically stable and in their homes in the first place. Some experts suggested that housing subsidies or really just more cash would ease the financial burden, so renters don’t have to choose between paying rent and buying food.

The $2 trillion stimulus package helps, including by increasing unemployment benefits and by offering many American households one-time cash assistance, which for households making $75,000 or less per year comes out to $1,200, with additional money for kids.

But that might not be enough now, and definitely not enough a few months from now, given the unprecedented economic crisis. Cunningham said she thought Congress missed an opportunity to fully give people what they need to get through the crisis. “A $1,200 stimulus check, particularly in high-cost areas where the pandemic is most concentrated like New York City, San Francisco, Seattle, is not enough to pay the rent,” she said.”