The job market has been tough for older workers, but did you ever imagine that you wouldn’t land a job because of your credit report?
It’s possible.
As I wrote about in my Forbes blog, Bad Credit Can Cost You a Job, if you’re looking to change careers, find a new job, get promoted, or just hang onto the one you have, a messy credit report can trip you up.
When Barack Obama won a second term in the White House in November 2012, many observers concluded that new voting ID laws hadn't had much effect on turnout. After all, the election had swung in Democrats’ favor, and young and minority voters comprised a larger share of the electorate than four years earlier. So identification requirements aren’t the threat to voting rights that many feared, right?
More data from the 2012 election is in, and it’s tough to deny that the health of democracy and safety of your voting rights vary widely depending on where you live.
That finding comes through clearly in a new report from Nonprofit VOTE, a nonpartisan group that encourages nonprofits to engage voters. The report parses the latest data on the 2012 elections, and it should be required reading for the legion of state lawmakers considering changes to election laws this year.
Middle-income Americans age 50 and older are now carrying more credit card debt on average than younger people, according to a 2012 study released by Demos. This is a reversal of the findings from the Demos survey which took place in 2008.
The economy plummets. You lose your job. Soon, you start to find it hard to make ends meet. You start putting things on your credit card. Then you fall behind in your card payments. All the while you’ve been desperately looking for a new job. Little do you know that being behind on credit card payments may stand between you and a job – the very thing that could get you back on the road to financial health.
New Jersey was ready when Hurricane Sandy rushed ashore the evening of October 29, 2012. Teams from FEMA and the National Guard had been activated, nuclear reactors had been shut down, and the Red Cross had prepared meals and shelters.
Emmett Pinkston served in the military for 30 years, first in the Marines, then in the Air Force, then in the Army. He helped coordinate security for President George W. Bush during the G8 Summit on Sea Island, Ga., in 2004, and worked as an intelligence analyst in Iraq from 2005 to 2007, some of the deadliest years of the war.
Colorado Secretary of State Scott Gessler has come out swinging against a proposal to allow voters in his state to register on Election Day. Coloradans currently must register at least 29 days ahead of time, and Gessler is dusting the cobwebs off a well-worn bogeyman in an attempt to keep it that way. In a recent op-ed in the Denver Post, Gessler wrote:
I attended the oral argument in the Voting Rights Act case before the U.S. Supreme Court, and I came away even more convinced that the Court should uphold the contested parts of the law.
Section 5 of the Voting Rights Act requires that covered states "preclear" their proposed election law changes with federal officials. Nine states plus parts of seven others are "covered," and many of these areas are in the South.
President Obama and some members of Congress have made waves recently with calls for voting reform. But your access to the ballot probably depends more on what’s going on at the nearest statehouse.
With state legislative sessions well underway, lawmakers across the country have unleashed a raft of bills tweaking their states’ voting systems. Here are a few issues to keep an eye on.
Today, the Supreme Court heard argument in Shelby County, Alabama v. Holder, a case challenging the constitutionality of Section 5 of the Voting Rights Act of 1965. Brenda Wright, Vice President for Legal Strategies at Demos, released the following statement:
While much of the country’s attention is focused on the need for job growth, a new report to be released Monday, March 4 by national public policy organization Demos reveals the ways in which the use of credit history in hiring acts as a significant barrier to employment and may lead to discriminatory hiring practices, particularly for people of color and the long-term unemployed.
Young adults are pulling back on credit-card debt for similar reasons, said Amy Traub, a senior policy analyst at Demos, a public policy research organization. It found that Americans age 25 to 34 cut their credit card debt in half between 2008 and 2012.
All around them, young adults are seeing signs of financial distress -- job insecurity, foreclosures, high college costs. That's making them think twice about applying for loans, she said.
A new report from a Wisconsin state agency makes clear that Same Day Registration is not just a low-cost way to make voting more accessible. It can even be a budget-saver.
The report from the Wisconsin Government Accountability Board dealt a blow to advocates of repealing the state’s Same Day Registration policy. It pegged the cost of such a change as high as $14.5 million. Some of the costs are one-time expenditures, but many will be ongoing.
Same Day Registration is a proven reform that can substantially increase voter turnout among eligible voters -- particularly among those with traditionally lower rates of voter participation -- without compromising the integrity of elections or substantially increasing costs.
Despite millennials' lingering reputation as financial delinquents, it turns out not everyone drowning in credit card debt has a newly-printed college diploma and a stack of student loan bills.
Harsh, an IT professional from Tuscola, Illinois, is 62, around the age at which a lot of people start actively planning to retire to a white-sandy beach with a frozen margarita in hand.
Harsh's debt snuck up on her as she helped her two daughters with college and living costs. She went back to school after a divorce and dealt with unexpected expenses such as big dental bills. Now she has about $300 a month in minimum payments, spread across three credit cards, and the balance never seems to go down because of all the interest she is paying.
Easthampton, MA – Today, more than 200 civil rights, voting rights and criminal justice organizations sent a letter calling on the U.S. Census Bureau to seize a timely opportunity to research alternative ways to count incarcerated people in the decennial Census.
New York, NY -- In his State of the Union last night, President Obama hit on four key issues where Demos is engaged and where progress is long overdue: voting reform, the minimum wage, universal pre-K, and higher education.
On the bipartisan voting commission, Brenda Wright, Vice President of Legal Strategies: