Archive for the ‘Democrats’ Category

The Mortgage Insurance Premium Battle Shows Democrats Learned Nothing From Financial Crisis – Forbes


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The Mortgage Insurance Premium Battle Shows Democrats Learned Nothing From Financial Crisis
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The more important question is why Democrats want to charge below-market rates to potential homebuyers? If there is a single lesson people should all have learned from the financial crisis it is that pushing people who cannot afford homes into buying ...

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The Mortgage Insurance Premium Battle Shows Democrats Learned Nothing From Financial Crisis - Forbes

Seven truths for Democrats – Arkansas Online

The ongoing contest between the Hillary Clinton wing and Bernie Sanders wing of the Democratic Party continues to divide Democrats. It's urgent Democrats stop squabbling and recognize seven basic truths:

The Party is on life support. Democrats are in the minority in both the House and Senate, with no end in sight. Since the start of the Obama Administration they've lost 1,034 state and federal seats. They hold only governorships, and face 32 state legislatures fully under GOP control. No one speaks for the party as a whole. The Party's top leaders are aging, and the back bench is thin.

The future is bleak unless the Party radically reforms itself. If Republicans do well in the 2018 midterms, they'll control Congress and the Supreme Court for years. If they continue to hold most statehouses, they could entrench themselves for a generation.

We are now in a populist era. The strongest and most powerful force in American politics is a rejection of the status quo, a repudiation of politics as usual, and a deep and profound distrust of elites, including the current power structure of America.

That force propelled Donald Trump into the White House. He represents the authoritarian side of populism. Bernie Sanders's primary campaign represented the progressive side.

The question hovering over America's future is which form of populism will ultimately prevail. At some point, hopefully, Trump voters will discover they've been hoodwinked. Even in its purest form, authoritarian populism doesn't work because it destroys democracy. Democrats must offer the alternative.

The economy is not working for most Americans. The economic data show lower unemployment and higher wages than eight years ago, but the typical family is still poorer today than it was in 2000, adjusted for inflation; median weekly earnings are no higher than in 2000; a large number of working-age people--mostly men--have dropped out of the labor force altogether; and job insecurity is endemic.

Inequality is wider and its consequences more savage in America than in any other advanced nation.

The Party's moneyed establishment--big donors, major lobbyists, retired members of Congress who have become bundlers and lobbyists--are part of the problem. Even though many consider themselves "liberal" and don't recoil from an active government, their preferred remedies spare corporations and the wealthiest from making any sacrifices.

The moneyed interests in the Party allowed the deregulation of Wall Street and then encouraged its bailout. They're barely concerned about the growth of tax havens, inside trading, increasing market power in major industries (pharmaceuticals, telecom, airlines, private health insurers, food processors, finance, even high tech), and widening inequality.

Meanwhile, they've allowed labor unions to shrink to near irrelevance. Unionized workers used to be the ground troops of the Democratic Party. In the 1950s, more than a third of all private-sector workers were unionized; today, fewer than 7 percent are.

It's not enough for Democrats to be "against Trump," and defend the status quo. Democrats have to fight like hell against regressive policies Trump wants to put in place, but Democrats also need to fight for a bold vision of what the nation must achieve--like expanding Social Security, and financing the expansion by raising the cap on income subject to Social Security taxes; Medicare for all; and world-class free public education for all.

And Democrats must diligently seek to establish countervailing power--stronger trade unions, community banks, more incentives for employee ownership and small businesses, and electoral reforms that get big money out of politics and expand the right to vote.

The life of the Party--its enthusiasm, passion, youth, principles, and ideals--was elicited by Bernie Sanders' campaign. This isn't to denigrate what Hillary Clinton accomplished; she did after all win the popular vote in the presidential election by almost 3 million people. It's only to recognize what all of us witnessed: the huge outpouring of excitement that Bernie's campaign inspired, especially from the young. This is the future of the Democratic Party.

The Party must change from being a giant fundraising machine to a movement. It needs to unite the poor, working class, and middle class, black and white--who haven't had a raise in 30 years, and who feel angry, powerless, and disenfranchised.

If the Party doesn't understand these seven truths and fails to do what's needed, a third party will emerge to fill the void.

Third parties usually fail because they tend to draw votes away from the dominant party closest to them, ideologically. But if the Democratic Party creates a large enough void, a third party won't draw away votes. It will pull people into politics.

And drawing more people into politics is the only hope going forward.

Robert B. Reich is Chancellor's Professor of Public Policy at the University of California at Berkeley and Senior Fellow at the Blum Center for Developing Economies who served as Secretary of Labor in the Clinton administration.

Editorial on 01/29/2017

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Seven truths for Democrats - Arkansas Online

New state chair says Iowa Democrats need to cover more ground – The Gazette: Eastern Iowa Breaking News and Headlines

Jan 29, 2017 at 9:00 am | Print View

DES MOINES If Iowa Democrats are to reverse the lopsided electoral defeats they suffered in the past two elections, candidates should take at least one key page from their vanquishers playbook by covering more of the states ground, the Democrats new state party chairman says.

Democratic candidates for statewide office need to do a better job of reaching out directly to voters in more areas of the state, said Derek Eadon, a 33-year-old West Des Moines political consultant who earlier this month was elected state chairman of the Iowa Democratic Party. He replaces Andy McGuire, whose two-year term ended following the 2016 election.

We just have to be present and listen in these communities. We cant just have candidates going to some of these bigger areas, Eadon said in an interview with the Des Moines Bureau about the partys future in Iowa.

Its not a new thing. Candidates that have done well in Iowa have traveled extensively, he said. So its not necessarily a new model. But that will help.

U.S. Sen. Chuck Grassley and Gov. Terry Branstad, a pair of Iowa Republicans with a combined 64 years in statewide office, visit each of the states 99 counties each year.

Eadon said he thinks more of that style of campaigning may be necessary for Iowa Democrats to recoup the voters they lost in the past two elections particularly in 2016, when many rural voters who had supported former Democratic President Barack Obama voted for Republican Donald Trump instead.

Trump won 93 of Iowas 99 counties in November, including 32 that went for Obama in 2012.

I would encourage our candidates to travel the state as much as possible, listen to these folks, their concerns, and talk about ... how we are going to benefit their pocketbooks, Eadon said.

He takes over at a critical time for Iowa Democrats. In the 2014 and 2016 elections, Democrats lost to Republicans a U.S. senate seat, a U.S. House seat and the majority in the Iowa Senate.

The latter resulted in giving Republicans complete lawmaking control at the Iowa Capitol.

And that doesnt mention the state going to Trump over Democratic presidential candidate Hillary Clinton by 10 percentage points.

Eadon said despite all that, he remains optimistic for Iowa Democrats.

He said attendance has increased at party meetings after the November election. He was heartened by the 26,000-plus who attended a Des Moines rally that was part of the nationwide Womens March movement last weekend.

I think the rally here on (Jan. 21) was a good indication that energy is not going away anytime soon, Eadon said.

Eadon said Democrats must build a strong state party that can withstand mood swings in national elections.

I think we tended to get drowned out in that national message, that national race (in 2016). I think with the (state) party, we want to make sure that were having a positive culture, were extensively traveling and listening to Democrats, making sure that people feel like they have a place at the table.

In order to strengthen the state party, Eadon said he hopes to invest in the grass roots element of the party by tapping into the enthusiasm that was on display at the womens rally and on last Tuesday at the Capitol, where roughly 300 people came to voice opposition to legislation that would strip public funding to womens reproductive health care organizations that perform abortions or Planned Parenthood.

I think our volunteers are ready to take on leadership roles, he said. We want to empower them. We want to train them. We want to invest in local candidates.

Eadon said building from the ground up is necessary because the ranks of Iowa Democrats in elected office are increasingly thin. U.S. Rep. Dave Loebsack is the only Democrat among the states six elected officials in Congress; the governor is Republican and the Democrats are in the minority in both chambers of the Iowa Legislature.

The problems also are at the local level, Eadon said, noting just 23 percent of elected officials in Iowas 3rd Congressional District are registered Democrats.

That means we dont have Democrats carrying the message, getting out the vote, Eadon said. Theres lots of opportunities to be involved.

The 2018 election provides Iowa Democrats their first opportunity to bounce back. Winning back the governors office which Iowa Democrats have held for only 12 of the past 48 years would be a monumental victory for the party.

Branstad is poised to become the next U.S. Ambassador to China, and most expect Lt. Gov. Kim Reynolds, who steps into the office once Branstad leaves, to run in 2018. She may face a primary challenge; Cedar Rapids Mayor Ron Corbett has been considering a run.

Eadon again said the Democratic candidate for governor should travel all over the state. He said he thinks the candidate should focus on economic issues and call attention to Republicans legislative agenda at the Statehouse.

In 2016 we were playing a lot of personality politics, focusing on what Trump was saying. I think we need to do a better job of getting people to vote for Democrats the next few years, to show that were fighting for those folks, Eadon said.

One crucial job requirement of a state party chairman in Iowa Democrat or Republican is to ensure the state keeps its bird-dog seat in the presidential nominating process.

Trump has said he wants the Iowa caucuses to remain first in the GOPs nominating process, but the issue is more pertinent and more unsettled for Democrats.

The national party soon will elect a new chair, whose feeling on the nomination process will be critical; and Democrats could have the more competitive nomination bout in 2020, since Trump will be an incumbent.

Eadon said he will watch with interest to see who is elected as the Democrats national leader. One of the candidates, U.S. Rep. Keith Ellison of Minnesota, sent a letter this weekend to Iowa Democrats saying he would keep Iowa first.

One of the things Im very interested in is learning from the candidates where they stand on these issues, Eadon said. Its not something thats really prevalent in discussions currently, but we always have to be vigilant.

Eadon said he received a congratulatory phone call from Republican Party of Iowa Chairman Jeff Kaufmann, and the two pledged to continue to work together to preserve Iowas first-in-the-nation status.

Im optimistic, but its just something that has not been brought up that much with the national party, Eadon said. Were still a few months away from figuring out how the chair will insert (himself or herself) in the process, if at all. So its a little bit of wait and see.

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New state chair says Iowa Democrats need to cover more ground - The Gazette: Eastern Iowa Breaking News and Headlines

House Republicans and Democrats Represent Divergent Americas – The Atlantic

Across lines of race, education, age, and geography, Democrats and Republicans in the House of Representatives increasingly represent two distinct nations, with strikingly little crossover.

An Atlantic analysis of the latest census data shows that the House districts represented by the two parties overwhelmingly track the same demographic and economic fissures that guided the fierce presidential race between Donald Trump and Hillary Clinton. This widening chasm between the two sides will shape both the legislative debate over the coming two years and the next competition for control of the House in the 2018 midterm elections.

In many ways, through their House delegations, the two parties now represent mirror-image Americas. Among the key distinctions:

Over four-fifths of House Republicans represent districts where the white share of the population exceeds the national average; over two-thirds of House Democrats represent districts where the non-white share of the population exceeds the national average.

Nearly three-fourths of House Republicans represent districts where the share of white adults with a college degree lags below the national average; nearly two-thirds of House Democrats represent districts where the share of whites with a college degree exceeds the national average.

Almost three-fifths of House Republicans represent districts where the median age is older than the national average; almost exactly the same proportion of Democrats represent districts where the median age is lower than the national average.

Likewise, almost exactly three-fifths of Republicans represent districts with more seniors than the national average, while fully two-thirds of Democrats hold districts with a smaller-than-average share of seniors.

The contrast extends to less obvious comparisons, too. Almost 54 percent of House Republicans represent districts with a higher-than-average share of adults (defined as age 16 and older) employed in manufacturing; almost two-thirds of Democrats represent districts with smaller-than-average manufacturing employment. And in a measure of urban density, nearly two-fifths of House Democrats represent districts where more people than average use public transportation to get to work; fully 97 percent of House Republicans hold districts where fewer people than average use public transportation to commute.

Its perhaps even more revealing to examine how many seats each party controls among the total number of districts above and below the national average on these key measures. Seen from that angle, Republicans now control three-fourths of all the House districts where whites exceed their share of the national population, while Democrats hold three-fourths of the districts where minorities exceed their national population share. Republicans hold just over 70 percent of the districts where there are fewer white college graduates than average, while Democrats hold almost 66 percent of the districts with a greater-than-average proportion of white college graduates.

The structural problem for Democrats is that, because of both partisan gerrymandering and the way the population is distributed, there are significantly more districts in the categories the Republicans dominate than in the ones that favor Democrats. Most important, whites exceed their share of the national population in 259 seats, and Republicans hold fully 196 of thosewhich puts them on the brink of a congressional majority even before they begin to compete for the more diverse seats. And there are 244 districts where the white share of college graduates lags the national average, and Republicans hold 176 of those. (Most of them overlap with the districts where the number of minorities is also fewer than average.)

It is very hard to argue that there isnt a structural Republican advantage in the House, that the sorting of voters along lines of urban versus rural, educated versus non-educated hasnt netted out favorably for Republicans, given the concentration of Democratic voters in a relative handful of districts, said Patrick Ruffini, a GOP consultant who specializes in demographic trends.

Overall, Republicans hold 241 House seats and Democrats 194 in the new Congress, meaning Democrats must recapture 24 seats to regain the majority.

Like the stark divisions in the presidential race, these patterns underscore the shifting class and racial basis of each partys electoral base. From the presidency through lower-ballot races, Republicans rely on a preponderantly white coalition that is strongest among whites without a college degree and those living outside of major metropolitan areas. Democrats depend on a heavily urbanized (and often post-industrial) upstairs-downstairs coalition of minorities, many of them clustered in lower-income inner-city districts. They also rely on more affluent college-educated whites both in cities and inner suburbs.

Tellingly, the analysis found, Democrats hold 30 of the 50 House districts with the highest median incomeand 32 of the 50 with the lowest median income. But Republicans crush them by 203 to 132 in the districts in between those two poles.

In many respects, Trumps victory over Hillary Clinton merely raised to the presidential level the currents of race, education, income, and density that have shaped the House competition in recent years. Trumps victory largely ran through the same smaller places that congressional Republicans earlier captured in the march to their House majoritywhile Clinton performed best in the major metropolitan areas that likely represent the Democrats best chance of overturning that majority in 2018 or beyond.

What we saw in 2012 and 2014 with the demographic realities in congressional districts around the country is now manifesting itself through the Electoral College as well, said Jesse Ferguson, a top communications strategist for Clintons campaign, who previously held the same role for the Democratic Congressional Campaign Committee. Democrats still have a popular-vote advantage in this country, but when you allocate political strength by any measure of geographyand not demographyit is not advantageous to Democrats. That started in the House, and via the Electoral College it was true in 2016 [in the presidential race].

To understand the impact of demography on the House, The Atlantic examined congressional district-level data from the Census Bureaus 2015 American Community Survey. (The ACS data for 2015 does not take into account the recent court-ordered redistricting in North Carolina, Florida, and Virginia, so there may be some variation from the numbers reported here in the revised districts in those states.)

The contrast between the two parties demographic bases becomes most apparent by segmenting House districts based on two factors: whether the share of their non-white population exceeds or trails the national average of 38.5 percent, and whether the share of their white population with at least a four-year college degree exceeds or trails the national average of 34.2 percent. The numbers reflect the results for each districts entire population. The analysis focused on the education level among whites, and not the entire population, because education is a more significant dividing line in the political behavior of whites than of minorities.

As weve written before, sorting congressional districts by the two variables of race and education produces what we call the four quadrants of Congress: districts with high levels of racial diversity and high levels of white education (what we call hi-hi districts), districts with high levels of racial diversity and low levels of white education (hi-lo districts), districts with low levels of diversity and high levels of white education (lo-hi districts), and districts with low levels of diversity and low levels of white education (lo-lo districts).

The center of the modern Democratic House caucus is the hi-hi districts that exceed the national average in both share of racial minorities and share of white college graduates: Democrats hold fully 87 of the 108 districts that fit that description. That list divides between minority Democrats in districts with large non-white populationssuch as Georgias John Lewis, Texass Joaquin Castro, and Illinoiss Bobby Rushand primarily white members representing diverse but more affluent districts, such as Nancy Pelosi and Anna Eshoo of California, Diana DeGette of Colorado, and Jim Himes of Connecticut.

Democrats also hold a less lopsided 44-to-24-seat advantage in districts that are high in racial diversity but are below the national average in white college graduates. That roster tilts heavily toward minority Democrats, such as Linda Sanchez and Lucille Roybal-Allard in California, Jos Serrano in New York, and Ral Grijalva in Arizona. But it also includes some white representatives from diverse but middle- and working-class areas, like Dina Titus in Nevada.

In turn, Republicans hold a decisive lead in districts where whites exceed their presence in the national population. The GOP leads by a narrow 44 to 39 margin in the lo-hi districts, where there are relatively fewer minorities but more white college graduates than the national average. This is the most closely contested quadrant. On the Republican side, it includes members representing affluent suburbs, such as Patrick Meehan in Pennsylvania, Kevin Yoder in Kansas, and Barbara Comstock in Virginia. The mostly white Democrats in this lo-hi group tend to represent urban centers or inner suburbs, too, such as John Yarmuth of Kentucky, Earl Blumenauer of Oregon, and Jared Polis of Colorado.

The foundation of the GOP majority is the lo-lo districts, where the shares of minorities and whites with a college degree both trail the national average. In those districts with large populations of blue-collar whites, Republicans now hold a lead that is so lopsided as to be almost incomprehensible: They control 152 of these seats, compared with just 24 for Democrats. This quadrant houses almost all of the Republicans representing rural placessuch as Kentuckys Hal Rogers, Missouris Jason Smith, and Iowas Steve Kingas well as the GOPs growing contingent of members representing smaller metro areas, such as Bill Shuster of Pennsylvania and Jim Jordan of Ohio. Its also the last redoubt for the few Democrats remaining in heavily rural districts, such as Minnesotas Collin Peterson, or those representing largely blue-collar smaller cities, such as Ohios Marcy Kaptur and Tim Ryan or Pennsylvanias Martin Cartwright.

Just as large margins in those rural and small-town communities powered Trumps victory, so, too, have the gains there keyed the Republican House takeover. Compared with the 111th Congress from early 2009 to early 2011when Democrats last controlled the majoritythe Democratic Party has actually widened its advantage in the districts high in both diversity and college-educated whites (from 50 seats then to 66 now). Since then, Democrats have lost ground modestly in the high-diversity districts with fewer-than-average white college graduates (from a 28-seat advantage to a 20-seat edge now). The party has also skidded somewhat more sharply in the districts with low diversity and large numbers of college-educated whites (from an advantage of 19 seats then to a deficit of five now).

The big change, though, has come in the heavily blue-collar, lo-lo districts. Back in 2009, when the Democratic caucus still featured a large number of rural, culturally conservative blue dogslike John Tanner of Tennessee, Ike Skelton of Missouri, and John Spratt of South CarolinaRepublicans held a modest 20-seat advantage in these districts. After the 2010 election, the GOP exploded their lead in the low-diversity, low-education districts to 90 seats. The gap widened again to 125 seats in 2014, and edged up to 128 after 2016. The Republican success in hunting the blue dogs nearly to extinction presaged the big margins Trump marshaled from small places, particularly in interior states, to overcome Clintons advantages in the largest urban centers.

If you look at where the Clinton drop-off was, its consistent with where House Democrats have been having more issues as we go through that Midwestern belt, on through Missouri and Iowa, and back through Western Pennsylvania, said Tom Bonier, chief executive officer of TargetSmart, a Democratic voter-targeting firm.

As these lines of class, race, and density harden, the parties House electoral strategies increasingly focus on the stragglers left, in effect, behind enemy lines. The few Democrats remaining in low-diversity, lower-education districts often top the Republican target lists, while Democrats already planning for 2018 are intently focused on Republicans holding white-collar, largely suburban districts.

The historically sharp divisions surrounding Trumpwho drew near-record support from blue-collar whites, but faced intense opposition from minorities and unusually widespread resistance from white-collar whitesappear certain to push each party further in targeting those opportunities. By no means, Ruffini said, in a view echoed across party lines, are we finished with this process. And that means the powerful electoral sorting that has left the two sides representing such divergent Americas in the House may only accelerate as the tumultuous Trump presidency takes shape.

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House Republicans and Democrats Represent Divergent Americas - The Atlantic

The Democrats Retreat from Reality – National Review

Retreat is an appropriate description of what took place in Harpers Ferry, West Virginia, this week. Senate Democrats took a break from not confirming President Trumps cabinet to visit this historic city in a state the president won by 40 points. According toPoliticothe assembled were scheduled to hear from associates of the Clinton family and to hold lessons on how to talk to real people. Oh to be a fly on the wall.

I like to imagine Elizabeth Warren and Chuck Schumer nodding sagely as Joe Manchin, the only Democratic senator with a modicum of common sense, asks a group of Trump voters to explain why calling people drug-addled unemployable racist misogynistic fascists is not, in fact, the best way to earn their votes. Its moments like these whenBarbara Boxers absence from the Democratic caucus would be most felt, I think. Faced with Trump supporters, the former California senator likely would respond with a hysterical and barely coherent monologue involving climate change, immigration, abortion rights, and gun control, all the while oblivious to the fact that these were the very issues that brought Trump to office. At least Boxer has pizzazz. These days the role of the clueless liberal proclaimingher moral supremacy over the dclass is left to the nondescript, soporific, DoloresUmbridge-like Patty Murray. Here is yet another example of national decline.

Real people are what the Democratic party is sorely missing. By real I do not mean the members of a specific ethnic or religious or cultural or regional group but simply those men and women who are uninterested in the latest trend embraced by the Left. For the Democratic party to win again, it would need to recapture voters in the Midwest and Appalachia who supported Barack Obama twice but felt so disillusioned and dejected by the end of his second term, so utterly unenthused by the bland and corrupt technological illiterate the party nominated to replace him, that they embraced an outsider who promised to upend the system. The Trump era is just beginning, but so far Democrats have been much more willing to retreat into their ideological cubbyholes, or ascribe the election results to (take your pick) James Comey, fake news, or Russian subversion, than to acknowledge the power of nationalism and populism. Its their loss.

The splintering of the Democrats is rather something to behold. I giggle when I consider the reaction of real people to theDNC candidates forumthe other day. There could be no better display of just how far to the left the party is moving. First the location of the forum was changed aftertheWashington Free Beaconreported on the anti-Israel activism of its original host. Then the festivities opened with a performance by a slam poet that left our correspondent in a state of delirium. The first candidate to speak, a white lady from Idaho, said her job would be to shut other white people down. The evening will be remembered for laundering the word intersectionality, a piece of jargon originating in departments of comparative literature and gender studies, into American political discourse. Do not ask me what it means. We did a poor job of communicating intersectionality, one candidate said. Im a walking intersectionality, said another. Millions of Americans have dropped out of the workforce, families struggle with addiction, crime is rising, and how do the men and women and non-binaries running for DNC chair respond? Let them eat intersectionality!

The DNC candidates might be insane but they know who butters their bread. All but one of themskippedthe Womens March for an elaborate donor conference at the lavish Turnberry Isle Resort in Florida, where they performed for the millionaires and billionaires gathered by skeezy Clinton operative David Brock. He is busily constructing a multimillion-dollar empire of outside groups to antagonize, oppose, and ultimatelyimpeachPresident Trump. Brock says he is a former conservative Republican but I am beginning to think he is actually a GOP mole. His ascent coincideswith the Democratic partys decline.

Other liberals are becoming suspicious. I met with him a couple times, a former Obama administration official said of Brocklast week. Hes fing weird. The former official likened Brock to the villain inZoolander. I dont know what the f [Brocks network] did besides raise a ton of money, the source went on, and I dont think the after-action report on 2016 says we need more David Brock. Probably the opposite is true.

Unfortunately for our anonymous source, more David Brock is exactly what the Democrats are likely to get. Brock was there at the Senate Democratic retreat, along with fellow Clintonites Neera Tanden, who runs the Center for American Progress and its Action Fund, and Guy Cecil, who wasted$190 million dollarsduring the 2016 cycle. Always mimicking conservatives, Democrats appear to have developed a donor class of their own: washed-up D.C. consultants and hangers-on whose only expertise is convincing the well heeled to fund their institutions and campaigns. The members of this class are so busy raising and spending money, so busy theorizing about the Platonic idea of resistance to Trump, that they seem not to mind as the multicultural Left takes over their party. To whom will the American people turn, the America-First president in the White House, or the micro-aggression commissars at the DNC? There will be plenty to discuss at the next retreat.

Matthew Continetti is the editor-in-chief of the Washington Free Beacon, where this column first appeared. 2017All rights reserved

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The Democrats Retreat from Reality - National Review