Once you know your score, you can take the right steps to raise it.
Want to improve your credit score? Take a page from the best. People with excellent scores know that following a few basic rules is the key to success. Adopting their habits could boost your score into the stratosphere, opening the door to the best interest rates and terms on loans. And capturing the lowest loan rates can save you a bundle of money in the long run.
The two big consumer credit scoring companies are FICO, whose scores are most commonly used in lending decisions, and VantageScore, a company created by the three major credit bureaus (Equifax, Experian and TransUnion) whose scores have been gaining ground among lenders. The latest models of both scores operate on a scale of 300 to 850. Generally, a score of 750 or higher is considered excellent.
Once you know your score, you can start taking steps to raise it by following these seven habits of people with excellent credit scores.
Photos from iStockphoto.
They Pay Bills on Time
The most influential factor in your credit score is your payment history, so staying on top of bills is crucial. Just one late payment (overdue by 30 days or more) can damage your score. FICO recently reviewed the profiles of consumers it calls high achievers (those with scores higher than 795) and found that 96 percent of them had no late payments on their credit reports.
To ensure that you pay bills on time, consider signing up for automatic payments from your bank account or credit card. Or set up reminders of upcoming due dates on your smartphone (or mark your paper calendar), suggests Heather Battison, vice president of TransUnion. Budgeting site Mint.com can also alert you when bills are coming due for accounts you link to its tool.
They Watch Their “Utilization Ratio”
The amount you owe on your credit cards as a proportion of your card limits—known as your credit utilization ratio—is another important score component. FICO high achievers with scores higher than 795 use an average 7 percent of the credit available to them. There are no hard-and-fast rules to pinpoint the optimum ratio, says Can Arkali, principal scientist at FICO. But in general, the lower your utilization, the better. As a guideline, experts often recommend using no more than 30 percent of the credit available to you to show lenders that you can manage credit responsibly. But if raising your credit score is a priority, keep utilization under 10 percent on each credit card you have, says Beverly Harzog, consumer credit expert and author of The Debt Escape Plan.
Paying down your credit card balances multiple times per month can help keep your utilization down, says Jeanine Skowronski, managing editor at Credit.com. Your card issuer may allow you to set up e-mail or text message notifications when your balance reaches a level that you specify. Another tactic: Ask your card issuer to raise your credit limit. If you’ve been using the card for several months and paying your bills on time, the issuer may grant your request. But be sure that you have the discipline not to increase your spending, too, cautions Harzog.
Even if you stop using a credit card, it’s often smart to keep it open so your score benefits from the available credit. However, if the card tempts you to overspend or carries an annual fee, closing it may be better.
Keep Balances Low
People with FICO scores higher than 795 owe less than $4,000 on their credit cards, compared with average balances higher than $6,000 for those with scores lower than 635.
The takeaway? Maintain firm control over your spending, charging only what you can afford to pay in full each month on your credit cards. That way, you’ll also avoid incurring interest, which can quickly pile up.
Give It Time
Having several years of credit usage under your belt also elevates your score. The average age of revolving credit accounts among FICO high achievers is about 12 years, and the average high achiever’s oldest account was opened 27 years ago. That may give older folks a leg up, but “it’s important to note that you can still have a good score even if you’re not a longtime user of credit,” says Skowronski. Length of credit history accounts for 15 percent of your FICO score, compared with 35 percent for payment history and 30 percent for amounts owed (including credit utilization).
If you are just starting to establish a credit history, set yourself up for success by using a credit card to make small, manageable purchases, such as gas and groceries, says Battison. She also suggests that renters ask their landlords to report rent payments to the credit bureaus to help start a credit history.
Opening new credit accounts may shorten the average age of your credit history, but closing accounts won’t affect account age right away. Accounts that were closed in good standing may remain on your credit report for up to 10 years. Still, it’s not a bad idea to keep your oldest credit cards open to help maintain your credit history.
Apply for Credit Sparingly
Applying for several credit cards in a short period sends a signal that you may be a risky credit prospect. Each time a potential lender checks your credit, the action shows up on your report as an “inquiry” — and the appearance of several inquiries at once can ding your credit score. (If you’re shopping for a mortgage, auto loan or student loan, however, FICO ignores all inquiries that such lenders have made within the past 30 days. VantageScore counts auto loan and mortgage inquiries made within two weeks of one another as a single inquiry.)
Having a mix of account types helps increase your score. If you do open new credit cards regularly, Harzog recommends waiting at least six months between applications.
Choose the Right Credit Cards
Look for cards that reward your spending patterns. If you buy a lot of gas, for example, a card that pays 5 percent cash back on fuel purchases will serve you well. Cash-back cards often let you use the rewards you’ve accumulated as a statement credit toward purchases, lowering your bill. A card that carries an annual fee may be worthwhile, but first do the math to decide whether the rewards you earn will outweigh the fee. Some cards waive the annual fee for the first year, giving you time to determine whether the card works for you.
If you are just getting started with credit (or bouncing back from a bankruptcy or other serious delinquency), a secured card, which requires you to make a deposit as collateral, can help you build a credit history and score. Retailers may offer you enticing discounts if you sign up for their store credit cards, and retail cards are often easier to obtain than other cards. But keep in mind that both cards often come with low credit limits—meaning that your credit utilization could easily push past the recommended 30 percent mark when you use the card to make purchases.
Monitor Your Scores and Credit Reports
By keeping an eye on your credit report and score, you will be aware of any negative changes that pop up and can act quickly to correct them. According to a survey from credit card issuer Discover, 76 percent of those who had checked their credit score at least seven times in the past year saw their score improve, compared with 38 percent of those who had checked their score once in the previous year.
At AnnualCreditReport.com, you’re entitled to a free yearly credit report from each of the three major credit agencies: Equifax, Experian and TransUnion. Scan each report, looking for possible errors or signs of fraudulent activity, such as an incorrect credit limit on a card or an account that you never opened. (If you spot a problem, you can take steps to dispute and correct it. If you suspect fraud, you should also take measures, such as enacting a fraud alert.)
A host of other websites also offer free credit scores to help you gauge where you stand. One of our favorites: CreditKarma.com, where you can view information from both your Equifax and TransUnion credit reports as well as your VantageScore from each bureau. Credit Karma also lets you sign up for alerts of changes in your TransUnion credit report. Discover Credit Scorecard offers a free FICO score (based on data from your Experian credit report) to everyone, not just Discover card customers. Your bank or credit card issuer may provide customers with free credit score updates, too.
Lisa Gerstner is a Contributing Editor for Kiplinger’s Personal Finance.
Black men kill each other at alarming rates all across America every day. Nearly every city’s daily news casts reports, “Today in our city three (or thirty depending on the size of your city) men were shot and killed in three (or thirty) separate shootings. Police have no suspects in any of the cases.” And immediately and innately you know that the people killed were black and the killers were black. This has been going on for the last 30-40 years and no end is in sight. New Orleans has one of the highest murder rates nationally. Why do black men kill each other?
First Let’s Dispel a
First thing you have to know is that 99.999% of black men do
not commit murder ever in their lives.
That is a fact! This is not a
black man issue. There is nothing
genetically or intrinsically wrong with black men. But the fact remains that
daily hundreds of black men across this country are murdered everyday by
another black man. Why does this happen
with this subset?
Common factors to Black
men murdering other black men
The first thing about murder is that people usually kill
people who are similar to them in many ways, particularly race. White men normally murder other white men and
black men normally murder other black men.
In the black community, these killings are normally city events. Rarely do you hear of a drive by in the country. Most of these daily killings occur on the city streets. People kill others who they interact with.
Young men engage in risky and violent behavior. Most of the men dying on our streets are
between the ages of 17-35.
But these are often cited, unsurprising factors. More salient is what goes into the psyche of a guy who can look into the eyes of another man and pull the trigger at close range or jab a knife with the intent to murder another man? What are the other factors that contribute to becoming a murderer? Why do Black men kill each other
The guy who ain’t never scared and always looking to
escalate a situation. Down for whatever. Nothing to live for and anticipating the day
he will either kill or be killed. This
mindset is cultivated in a limited option, few chances, success deprived
life. This guy has had a number of
arguments and fist fights throughout his life.
He hates authority and frequently feels angry or resentful towards
people. He often seeks to overcome a
feeling of powerlessness. This guy is a
walking heap of rage. He is always nothing
but a gun and an argument away from murder.
The Disrespected Man
A man who feels like everybody but him gets respect.
Unemployed or stuck in a low wage hard work job
where his contributions are unrecognized
Lives with his mother and has little control over
his home environment
Has a child but no custody and a bad relationship
with his baby mama
Been profiled and harassed by the police
Observes community members driving nice cars
Rejected for better jobs
Feels unable to change his life status and is
insignificant in the world
Seeks to overcome feelings of impotence
For this guy, respect is everything and options to express
anger or refutation are often limited. He
often seeks to overcome a feeling of impotence. If another who seems unworthy
of disseminating criticism or scorn or generally crosses the line of imagined
respect, then a high level of response will be meted out.
Little life happiness
Thrill seeker often brags and talks about his toughness and ‘hood status.
Wants to make a real name for himself
Will recklessly escalate a situation or
When challenged by a non-believing skeptic, this man often
acts in unnecessarily violent ways in unnecessarily violent situations. Often seeks to overcome a feeling of powerlessness.
Too often black men suffer an inferiority
vilifies and criminalizes black men on a daily basis.
American culture is based upon the notion that
black people and specifically black men are less intelligent, completely
unpredictable, beast like, lazy etc., etc.
Black men internalize this notion and are
conditioned to see little value when they look in the mirror.
Beset by internal angst and torment.
Unresolved pain combined with poverty,
ignorance, oppression, violent police, violent neighborhoods, etc.
symptoms of an inferiority complex include a high sensitivity to criticism, perceiving
others as a threat, jealousy, a lack of dreams.
The daily feeling of isolation, powerlessness and impotence is like being a prisoner of war. One reason black men grab their genitals is to stress their vitality. Men who have been literally stripped of the ability to display their manhood – great jobs, big houses, educational attainment and all the other accoutrements of modern society- are literally killing to express their power in life. Twisted but true.
Given the opportunity to take back control of Orleans Parish schools and assume the lead in giving our kids the best education that’ll keep them out of prison, the Orleans Parish School Board (OPSB) thought about it and said, nah I think we’re good.
Actually, they didn’t just say it. They held a meeting. They put it in a formal resolution. So when it came time for the Senate to finally hear Sen. Joe Bouie’s bill (SB404), it failed. By 6 votes. The dissenting Senators were like, if the OPSB doesn’t want the responsibility, then why would we force it on them?
That raises a question: why doesn’t the OPSB want the responsibility? Maybe it has something to do with the present setup.
Charter schools are the gentrification of education
As it stands now, the OPSB is a conduit for state education dollars. It’s a golden setup. Any aspiring charter organization wanting to access state money and open a school has to get the OPSB’s approval. Once that happens, the OPSB plays a minimal role.
Once established, the charter gets to set its own salaries, hire its own teachers and principals, and establish its own curriculum. The OPSB then relegates itself to monitoring their performance via test scores. It also decides if the school will be reapproved when the contract is up. That’s called eliminating mostly anything to do with the day-to-day responsibility of educating our kids while still getting paid. Charter schools are the gentrification of education.
How much you might ask. Like $300,000 a year if you happen to be the incoming superintendent of the OPSB. That’s a raise of almost a $100,000 over the outgoing superintendent. And $15,000 more than the Dept of Education superintendent who oversees the whole state. There’s also a $20,000 a year bonus if certain incentives are met. The OPSB cited cost of living increases to justify the salary.
Sen. Bouie has been trying to break up this arrangement for years. The central theme of his many bills has been holding the elected school board members accountable for the schools in their districts. As it stands now, the public can’t really hold them accountable for our failing schools because the charters set and run their own shows.
Many people would probably say what difference would it make. When the OPSB ran the schools, they were just as bad, in general, as they are now. But the whole charter reform movement was supposed to be about improving schools. This ain’t that!
Going forward, the goal shouldn’t just be returning the schools to the OPSB. There should also be public involvement to hold the OPSB accountable once that does happen. Our schools won’t improve with a management change alone. It needs an engaged public to go along with it.
Of course, this will all have to wait until next legislative session. With this session ending in about 2 weeks, there will probably be little support for reconsidering Sen. Bouie’s bills. Until then, watch the OPSB members of your districts. Attend a meeting. Let your voice be heard. That’s the first step towards invoking true reform. Because now, charter schools are the gentrification of education.
From preschoolers to high school, schools discipline Black children at extremely high rates. Discipline means lost instruction time. Children are frustrated because they don’t understand. So instead of providing a nurturing environment, schools create children who do not like school. We know that children who do well in school often do well at life. For black kids this is especially true. Educational success can lift families out of poverty. But schools today are putting black kids out of school. In fact, schools use discipline to discourage black children.
Have an open discussion about race and achievement gaps and disparities in America. Invariably the discussion will consolidate around two key generally accepted factors – parental involvement and education. Most people say parents have to be parents and influence their children. And an emphasis on education can transform the life of children.
Despite the best efforts of parents, schools use discipline to discourage black kids. The Civil Rights division of the Department of Education released the latest results of its data collection of nearly every public school in the country. And the results were disturbing nationally and alarming in Louisiana.
See how schools use discipline to discourage blacks.
We expect schools to be vessels for success. So they must be nurturing supportive places that welcome children and educate them. Schools have always dealt with learning differences amongst students. Little Tyronne is better in math than little Johnny, but Johnny reads at a higher level. The best schools are adept at developing the strengths and weaknesses of each student.
Schools must see African American children as valuable and teachable. But teachers are humans with biases and preconceived notions. Teachers with different socioeconomic backgrounds from their students must be able to overcome their own limitations. One stereotype is that African Americans are less intelligent than other students. Another stereotype is that Black boys don’t care about education. Another is that black children are just bad. Inexperienced and culturally bereft teachers might see black children as unworthy. How else can you explain black preschool children being suspended from school? How else can you explain the widespread expulsion of black children. Let’s look at some facts. This is how schools use discipline to discourage blacks.
Some of the most glaring disparities are differences in discipline:
Schools suspend Black preschoolers 6 times more than white preschoolers.
51 percent of high schools with high black and Latino enrollment also have assigned police officers.
6 million students attend a high school with a police officer but no guidance counselor.
Black students are 3 times more likely than white students to be referred to law enforcement or arrested as a result of a school incident.
For the first time, the Education Department asked about educational services for young people in justice facilities, including jails and prisons. 21 percent of these facilities offer less than a full school year of instruction.
In kindergarten through the 12th grade, black students are nearly four times as likely to be suspended as are white students. Black students also are nearly twice as likely to be expelled—removed from school with no services—as are white students.
In schools with high black and Latino enrollment, 10 percent of teachers were in their first year, compared with 5 percent in largely white schools.
70% of the boys who are expelled without receiving any educational instruction are African American
77% of the girls who are expelled without receiving any educational instruction are African American
In New Orleans, many point to the charter movement as progress. But most of the charter schools operators in New Orleans are run by out of state companies. And they operate the same across the country. Most have inexperienced, Teach for America teachers who have no cultural familiarity with the students they must teach. Hence we have high expulsions and constant teacher turnover. Our children are left in the lurch.
The children who drug the old white lady are teenage high school students. The boy was suspended from school.
by Preeti Vani
Your answer may depend on how we ask the question.
Research from Stanford shows it’s possible to change how people blame groups in large-scale conflicts (like race relations in America).
“Unpacking” a group (ex: White Americans) into subgroups (ex: White Democrats, White Republicans) makes people blame the overall group more.
This effect was found in three different contexts: the Israeli-Palestinian conflict, the gender wage gap, and race relations in America.
Discovery of this effect is relevant because narratives of intergroup conflict can shape life-and-death decisions in today’s institutions.
Source: Gladson Xavier/Pexels
What do the gender wage gap, race relations in America, and the Israeli-Palestinian conflict have in common? They are all intergroup conflicts — that is, multiple groups that have a stake in the conflict and its outcomes. For example, both men and women are involved in the work needed to close the gender wage gap. Similarly, members of different racial groups are involved in debates around racial justice. People also tend to make moral judgments in all of these conflicts, sometimes believing that one side is “right” and another is “wrong.”
Importantly, different people assign blame to parties in different ways. A team of researchers from Stanford University and the Hebrew University of Jerusalem found that altering the way in which parties are presented changes the amount of blame allocated to those parties — even for important and long-standing divides, like the examples above.
Oftentimes, these conflicts invigorate the battle for public opinion. We spend our time and energy convincing people that we are blaming the “right” parties. The weapons deployed on this battlefield range from new social media influencers and photogenic images of human suffering to simplified narratives filled with old stereotypes and prejudices.
How do you win the battle for public opinion? By convincing the world that the other side is to blame for decades of bloodshed and hatred. This seems difficult — surely people hold entrenched positions in such protracted, moralized conflicts, forged by national loyalties and fueled by media echo chambers.
Or do they?
Study: Who’s to blame?
We recently discovered that shifting public opinion in entrenched conflicts, including the Israeli-Palestinian conflict, can be surprisingly easy. In our experiments, we asked research participants a simple question: “Who do you blame for the conflict?” Participants allocated 100 percent of the blame between the sides of the conflict (the Israelis and the Palestinians).
While outlining the parties that one can potentially blame, the larger groups can be “unpacked” into smaller subgroups, or they can be left “packed” as the larger group. For example, Israel has three major political blocs — the Right-Wing Bloc, the Center Bloc, and the Left-Wing Bloc. We can represent Israel in a “packed” way, by simply having “Israel” as an option in the choice set, or we can represent Israel in an “unpacked” way, by having Israel’s major political blocs as options. We can do the same for the Palestinians.
You probably have an opinion about the Israeli-Palestinian conflict. And regardless of how we present the options, you probably think that your opinions on the conflict — and the extent to which different parties deserve blame — are unlikely to change much as a function of how the question is asked. Here’s the fascinating part. When we “unpacked” the Israeli side to three political subgroups, the proportion of blame assigned to Israel increased by 30 percentage points, from 38 percent to 68 percent, with the Palestinian side receiving 32 percent of the blame. When we unpacked the Palestinian side into three subgroups, the same thing happened, only in reverse — now most of the blame was assigned to the Palestinians, with only a small portion of the blame assigned to Israelis. In other words, a slight difference in the framing of choices shifted the public opinion from allocating the majority of the blame to the Israelis to allocating the majority of the blame to the Palestinians.
We didn’t stop at the Israeli-Palestinian conflict. We found similar effects when we asked different samples of participants who they blamed for the gender gap in wages in the U.S. (between men and women), and who they blamed for current racial tensions in the United States (between White Americans and Black Americans).
In the case of race relations, we either kept the groups “packed” as “White Americans” and “Black Americans,” or we “unpacked” the groups into political subgroups (e.g., “White Democrats,” “White Independents,” and “White Republicans”). When only the “Black Americans” group was unpacked, 58 percent of the blame for racial tensions was allocated to White Americans — but when only the “White Americans” group was unpacked, our participants now allocated 84 percent of the blame to White Americans.article continues after advertisement
This shockingly large shift in public opinion has important real-world implications. For example, if the U.S. president were to veto a bill related to racial justice, a two-thirds Congressional supermajority is required to override the veto. This benchmark is encapsulated within our 26 percentage point shift in the blame allocated to White Americans. A simple presentational change dramatically shifted public opinion on topics where people could reasonably be expected to have established views. What’s going on?
Partition dependence and its effects
This phenomenon is known as “partition dependence.” It is the human tendency to allocate more attention to a category when it is unpacked into subcategories. Partition dependence is a natural cognitive process. Essentially, it means that when we think about groups, we don’t naturally think about every subgroup contained within that overall group. For example, when we think about “Americans,” we don’t ordinarily think about every subcategory of “Americans.” But when a large group is unpacked into its constituent subgroups, it commands more of our attention, which in this case results in a larger portion of the blame.
Importantly, the partition to subgroups can be along different consequential dimensions. When we asked about the gender wage gap, we unpacked “men” and “women” by race (i.e., “White Men,” “Asian Men,” “Hispanic Men,” and “Black Men”). When we asked about race relations, we unpacked “White Americans” and “Black Americans” by political orientation. Across multiple important social issues, we found that partition dependence can be used as a tool to persuade others and sway opinions by having people consider a more (or less) comprehensive set of potentially blameworthy parties.
Why should you care? We should all care because narratives of intergroup conflict can shape life-and-death decisions in institutions ranging from the United States Congress to the United Nations. Considering different sets of perpetrators changes how blame is allocated, which may matter quite a bit in the court of public opinion as well as in the International Court of Justice. The ease of using simple presentational tools to shift public opinion in complex and entrenched moral conflicts — such as the Israeli-Palestinian conflict and the conflict between White Americans and Black Americans — should be a lesson to all of us. How we ask the question determines where the blame lies.
Kari Rusnak, MA, LPC,CMHC
Learn why you need to prioritize time for dates.
First of all, date nights don’t have to be at night. You can do them any day at any time; the most important thing is spending quality time while engaging in shared meaning. The Gottman Institute’s research shows that 2 hours a week devoted to dates are part of a happy healthy relationship. Here are some date night ideas that could take at least two hours:
Take a walk or a hike together
Go to a coffee shop and talk
Have dinner out or cook a meal together at home
Go to a museum or art exhibit
Take a class together to learn something new
Play a board game
Engage in an outdoor activity like kayaking or a sport
Go to the gym or workout class together
Go to a festival or event in your tow
Why are date nights so important?
Spending quality time together without distractions boosts connection. It can be rare for us to give our partners our full attention without being distracted by kids, work, chores, or our phones. On a date night the focus is on each other and the activity you do together. It’s helpful to put your phones away during the date as well.
This time builds positive interactions to store your emotional bank account: 5-to-1 is the ratio of positive interactions to negative in order to maintain a positive perspective. Date nights can be an opportunity to boost that ratio and have a good time together.
It helps you engage in activities with shared meaning, like rituals of connection. Shared meaning is the way you define and share things as a couple. Rituals of connection are things you both share and enjoy together—from a morning kiss to the way you celebrate important events to, of course, date nights.
It gives you time to talk about your relationship. Having time alone gives you a chance to check in about what is going right in the relationship as well as anything you need to work on over the next week. Discussing this during a date night can make these discussions feel safe.
You get to have fun together. Having fun in relationships is very important for satisfaction. It’s helps to balance out all of the stress and responsibility.
Get more consistent about date nights
Talk to your partner about setting up a time each week when you can spend two hours together. This can be the same time every week or you can schedule the next one at the end of your most recent date night. It can be helpful to schedule date nights like you would a medical appointment or work meeting. This makes it feel more prioritized and harder to cancel or forget about.
Currently New Orleans has a major teenage crime problem. Far too many teenagers are committing crimes. Car jackings, murders, shoplifting – nothing seems shocking anymore. Many assume because they are black, they are prone to crime. Others think young minds are undeveloped and do not understand the reality of their choices. Listen to WBOK 1230am radio, the voice of the black community, and invariably a caller of three will call in blaming bad parenting. Some cite a complete breakdown of the family unit. A bunch of callers will blame absent fathers. Rarely do you hear about the effects of past mass incarceration. Yet past mass incarceration causes crime today.
If you just believe black people are naturally bad, then you are a real part of the problem. I mean if your heart skips a beat when a group of young black boys turn the corner and face you, then you are just being cautious. But if you automatically feel like your life is threatened then you are a brainwashed fool. This limited and stupid thinking is racism based and rooted in greed and corruption. And it produced centuries of bad policy.
The bad policy? Mass Incarceration. How did we get it there? Blacks and whites commit crimes at about the same rate. Yet black men fill jails and prisons across the country. Why?
Mass incarceration was the backlash to freeing the slaves. The 13th Amendment has a unique exception for those interested in the continued exploitation of black labor. Read it:
Neither slavery nor involuntary servitude, except as a punishment for crime whereof the party shall have been duly convicted, shall exist within the United States, or any place subject to their jurisdiction.
Incarceration jumped a whopping 20000% after the amendment became law. In essence, black men went from being enslaved to incarcerated overnight. Today, Louisiana is still a worldwide leader in mass incarceration. Even after serious and significant reforms.
What are the effects of mass incarceration and how does it contribute to crime:
Lack of paternal influence and guidance in families
Sons and daughters feeling isolated and fearful
Gang and street stuff attraction
Poor educational outcomes for children in families of incarcerated families
Poverty from lack of paternal income
Breakdown of the family unit
More than normal female led single parent families
Mass incarceration, born just after slavery and continuing today has a direct impact on the crimes we see now. This year violence is at levels not seen since 2005. And children who are 15-18 today were born in, just before or right after 2005. Two things about the year 2005. Louisiana was the mass incarceration capital of the world by far. Oh and this storm tore through the city. The federal levees failed. And today we see the double whammy of our state’s bad policy and poor planning.
Why are kids in gangs and don’t have fatherly influence? Father in jail.
Why are so many black families in poverty? Father in jail.
On and on and on and……
Storms are bigger and more frequent. Crimes are more brazen and frequent. Only smart policy can fix both.
Crunch Time At The Legislature
Let’s talk bills. Not the money kind, but the ones our state legislators are proposing and pouring over. Previously, we covered 3 in particular. Here’s what has happened to them since. We are tracking the Louisiana legislature
Now is not a good time to be Robert E. Lee. Yes, he’s dead, I know. But his legacy is alive and taking some serious Ls. Actually, it’s been on a slow burning descent since 2017.
First, his statue was plucked from his very own Circle. Then he lost his Boulevard. After that, the aforementioned Circle was renamed. Now, he’s on the verge of losing one of his last remaining signs of relevancy – his state recognized holiday. Yes, there’s a Robert E Lee Day in Louisiana [insert face palm]. It’s January 19th. Sorry if you missed it. Because if Rep. Matthew Willard’s bill passes, this year could be the last year the state recognizes Lee Day.
As of now, Rep. Willard’s bill is still alive and kicking its way through the Senate. Surprisingly, it coasted out of the House with a 62-20 vote. And that was after a 12-0 romp through the House Judiciary Committee. It did all this with minimal headlines and fanfare.
You would’ve thought the bill would spark hyperbole of the highest order. But the knives stayed in. And the red meat was left out. Instead of claims of attacking heritage and trying to erase history, members of the House treated us to efficiency and silence. Now it’s up to the Senate.
Over at the Senate, the bill is still waiting to be heard by the Senate Judiciary Committee. Republicans hold a 4-3 advantage in that Committee. If it passes there, it’s on to the full Senate, then the governor’s desk.
HB209 – allowing Orleans Parish to go beyond state regulation of guns.
Just because you’re a chartered city it doesn’t mean you can chart your own path, at least when it comes to guns. That’s what the House Criminal Justice Committee concluded when they heard Rep Mandie Landry’s bill. 9 of the 10 members fired off nays and shot the bill down. That means in the midst of a carjacking, murder, and violent crime spree, a city like New Orleans can’t pass regulations to protect its citizens from people with guns.
If it’s not a good time to be Robert E. Lee, it is definitely a good time to be a gun owner. With this bill dead, it’s still legal for guns to be brought almost anywhere, like church, a kids soccer game, or a restaurant. And if you happen to lose your gun at one of these places or have it stolen, you don’t even have to report it to the police. That was another stipulation that went down with this bill.
The 9 -1 vote was a testament of principle over priorities. Or maybe it was a testament to Louisiana’s priorities. The state dubbed the sportsman’s paradise continues to support gun laws that make its citizens easy prey. And we will keep tracking bills in the Louisiana legislature.
HB798 – ensuring that neither BESE nor school boards can water down present social study standards for African American history. THIS IS NOT A CRITCAL RACE THEORY BILL.
This is also a bill that hasn’t been heard yet. The House Education Committee has left Rep. Royce Duplessis’ bill sitting on the shelf since early March when it was submitted. This is a bill you would expect to not be controversial. It simply says BESE and local school boards must abide by the social study standards BESE just approved for African American history.
The point is to prevent some rogue teacher or school board or even BESE itself from disregarding state law. If the law says such and such aspect of African American history has to be taught, then that’s what has to be done. Boom. That’s it.
You’d think this bill would already be bouncing from the Senate to the governor’s desk. But instead, it’s just languishing on the calendar as the legislative session counts down.
June 6th – legislative session adjourns
Speaking of counting down, there’s a little over 3 weeks to go before the session ends on June 6th. There’s much for legislators to go over, including the remaining 2 of these 3 bills. We will keep tracking these bills in the Louisiana legislature. And we’ll keep you informed on how it goes.
A Black truck driver on TikTok known as Gideon reveals in a viral video what he witnessed last week while traveling through a “sundown town.”
The video, which has been viewed nearly 800,000 times since posting, details the man’s experience while visiting the notorious town of Vidor, Texas.
Vidor was once considered a haven for the Ku Klux Klan and has long been seen as a “sundown town,” a predominately white area that is considered unsafe for Black people after sunset due to racial violence. Although city officials have claimed that the town has undergone significant changes in recent decades, Gideon’s experience reveals that some things still haven’t changed.
“Pretty much everybody I know in Texas that’s Black tells me, ‘Do not go to Vidor, Texas,'” Gideon says. “I’m like ‘OK’ but here I was in Vidor, Texas.”
The TikToker goes on to state that while driving to his destination to drop off his load, he came across numerous trailer parks with Confederate flags and even a doll of a Black man hanging from a tree by its neck.
Upon reaching his destination, Gideon says that he was approached by a security guard who immediately alerted his fellow workers that they were experiencing a “code red.” The security guard expressed that he did not want to be responsible for the truck driver’s safety by allowing him to drive further into the business to drop off his delivery.
Gideon says another man eventually appeared about 15 minutes later to quickly help him unload his truck before urging him to leave the area.
“He said, ‘Dude, you might want to get up out of here as soon as possible. We’re at sundown. You want to leave now.'”
After asking the man if he could rely on the police, Gideon was allegedly told that local law enforcement would “turn a blind eye” to any potential incident. The TikToker says he drove until he reached the next town over where he fell asleep in his truck with an AR-15 rifle. His account of the visit was made the following day after he felt he was safe.
The Daily Dot reached out to Gideon to inquire further about the video but did not immediately receive a reply.
Comments under the video were filled with remarks from other residents of Texas who were similarly aware of the town’s reputation.
“POV: You’re from TX and knew he was talking about Vidor before he said it,” one user wrote.
“I’ve always been told don’t even stop for gas in Vidor, Tx,” another added.
Some users even argued that a new “Green Book” was needed, a reference to the annual guidebook designated safe destinations across the country for Black Americans between 1936 and 1966.
“We need an updated Green Book,” one viewer commented.
Many were simply shocked to hear that such areas still existed in the country.
“Wow,” one commenter added. “I hate that there are places in our nation that are still this racist.”
At least one alleged resident of Vidor even left a comment regarding the town’s poor image.
“Not everyone in the town is like that… but it is the ones who are like that that ruin everyone else’s reputation… I live in Vidor myself,” the user wrote.
The experience came as an unpleasant surprise to many, but countless others have long been aware that such dangers remain ever present.
What you should eat, and stop eating, to avoid cognitive decline.
People generally have poor diets by almost any definition of the term.
Eating lots of leafy greens today for lunch sounds comforting but will not negate a decade of poor diet choices.
The most important question is: “What should I stop eating to avoid becoming unhealthy and demented?”
The New York Times recently published an interesting article by Amelia Nierenberg that asked about the effects of specific foods on the mental decline that comes with aging. Since publishing my book Your Brain on Food, I have been asked that question more often than any other: What can I eat to make myself mentally healthy and become smarter? The Times article was accurate but missed two critical issues that contribute to determining whether our diet can cause cognitive decline. First, dementia is a lifestyle phenomenon. Eating lots of leafy greens today for lunch sounds comforting but will not negate a decade of poor diet choices. Second, obesity is a significant risk factor for dementia. No specific food item can make you lose weight.
People generally have poor diets by almost any definition of the term. We eat too much fat, salt, and sugar. We consume too much alcohol and nicotine and exercise too little. Most of America, regardless of age or socioeconomic status, is overweight or obese. Our bodies are storing too much fat; this fat produces a harmful environment of inflammation, oxidative stress, and physiological imbalance that often leads to metabolic syndrome. Simply stated, our lousy diet generates an environment in our body that ages us too quickly and impairs our thinking.
Thus, your question should be the following…
What should I stop eating to avoid becoming unhealthy and demented?
A diet rich in fresh fruits, vegetables, and whole grains, combined with reduced caloric intake, is ideal (and the one universally recommended) because it compensates for the numerous negative effects of your current diet. Dieticians, physicians, and all other health care providers beg their patients to change their diet; patients rarely do.
Poor diets cause some mental health disorders. The most common mental health disorder is depression. Obesity and the presence of too much body fat underlie our vulnerability to depression. People who lose body fat, via exercise or liposuction, experience improved mood and cognitive function. Thus, excessive body fat can make you both depressed and stupid and also make it less likely that you will respond to anti-depressant therapy. Today, an overwhelming amount of scientific evidence obtained across a wide spectrum of medical disciplines strongly argues that obesity accelerates brain aging, impairs overall cognitive function, and, ultimately, is responsible for the numerous processes that kill us.
A little sugar is not harmful to your brain or body. From your brain’s perspective, dietary sugar is indispensable. Without a constant uninterrupted supply, you will quickly lose the ability to think and slip into a coma. However, diets high in sugar lead to metabolic diseases which have significant negative effects on cognition. Diabetes is a significant risk factor for dementia.
A small percentage of the general population is vulnerable to the lack of specific nutrients in their poor diet. This category of nutrients often includes vitamins and some minerals. Adding those nutrients back to their diet is often beneficial. However, numerous studies have now conclusively shown that for the overwhelming majority of us, supplements with vitamins and nutrients are a waste of money.
In contrast, a small percentage of the general population is vulnerable to the presence of specific nutrients in their poor diets. A good example of such a nutrient is gluten. If you are sensitive to gluten, do not eat it. If you are not gluten-sensitive, then avoiding gluten is a bad idea, according to the results of a study involving over 15,000 participants who were followed for 30 years. The American College of Cardiology now strongly recommends against the adoption of gluten-free diets for people without a medical necessity.
We are often told that our diet affects our health and mood.
That’s not quite the way it works: In reality, a healthier diet can only compensate for your current lousy diet. Fruits and vegetables and whole grains cannot help to boost mental health; they can only undo the damage that you are already causing.
No diet, no nutrients, and no drugs (do not believe the nonsense you have read about nootropics, a 21st-century brain placebo) have ever been proven scientifically to enhance health or brain function. The advice you hear about so often is designed to convince you to stop your poor diet in order to avoid becoming unhealthier and cognitively impaired. Therefore, choose your diet wisely—your longevity and memories depend upon it.
JACKSON, Miss. (AP) — If you are Black or Hispanic in a conservative state that already limits access to abortions, you are far more likely than a white person to have one.
And if the U.S. Supreme court allows states to further restrict or even ban abortions, minorities will bear the brunt of it, according to statistics analyzed by The Associated Press.
The potential impact on minorities became all the more clear on Monday with the leak of a draft Supreme Court opinion suggesting the court’s conservative majority is poised to overturn the landmark 1973 decision legalizing abortion. The draft decision is not yet final but it sent shockwaves through the country. Overturning the Roe v. Wade decision would give states authority to decide abortion’s legality. Roughly half, largely in the South and Midwest, are likely to quickly ban abortion.
When it comes to the effect on minorities, the numbers are unambiguous. In Mississippi, people of color comprise 44 percent of the population but 81 percent of women receiving abortions, according to the Kaiser Family Foundation, which tracks health statistics.
In Texas, they’re 59 percent of the population and 74 percent of those receiving abortions. The numbers in Alabama are 35 percent and 69 percent. In Louisiana, minorities represent 42 percent of the population, according to the state Health Department, and about 72 percent of those receiving abortions.
“Abortion restrictions are racist,” said Cathy Torres, an organizing manager with Frontera Fund, a Texas organization that helps pay for abortions. “They directly impact people of color, Black, brown, Indigenous people … people who are trying to make ends meet.”
Why the great disparities? Laurie Bertram Roberts, executive director of the Alabama-based Yellowhammer Fund, which provides financial support for abortions, said women of color in states with restrictive abortion laws often have limited access to health care and a lack of choices for effective birth control. Schools often have ineffective or inadequate sex education.
If abortions are outlawed, those same women — often poor — will likely have the hardest time traveling to distant parts of the country to terminate pregnancies or raising children they might struggle to afford, said Roberts, who is Black and once volunteered at Mississippi’s only abortion clinic.
“We’re talking about folks who are already marginalized,” Roberts said.
Amanda Furdge, who is Black, was one of those women. She was a single, unemployed college student already raising one baby in 2014 when she found out she was pregnant with another. She said she didn’t know how she could afford another child.
She’d had two abortions in Chicago. Getting access to an abortion provider there was no problem, Furdge said. But now she was in Mississippi, having moved home to escape an abusive relationship. Misled by advertising, she first went to a crisis pregnancy center that tried to talk her out of an abortion. By the time she found the abortion clinic, she was too far along to have the procedure.
She’s not surprised by the latest news on the Supreme Court’s likely decision. Most people who aren’t affected don’t consider the stakes.
“People are going to have to vote,” said Furdge, 34, who is happily raising her now 7-year-old son but continues to advocate for women having the right to choose. “People are going to have to put the people in place to make the decisions that align with their values. When they don’t, things like this happen.”
Torres said historically, anti-abortion laws have been crafted in ways that hurt low-income women. She pointed to the Hyde Amendment, a 1980 law that prevents the use of federal funds to pay for abortions except in rare cases.
She also cited the 2021 Texas law that bans abortion after around six weeks of pregnancy. Where she lives, near the U.S.-Mexico border in the Rio Grande Valley, women are forced to travel to obtain abortions and must pass in-state border patrol checkpoints where they have to disclose their citizenship status, she said.
Regardless of what legislators say, Torres insisted, the intent is to target women of color, to control their bodies: “They know who these restrictions are going to affect. They know that, but they don’t care.”
But Andy Gipson, a former member of the Mississippi Legislature who is now the state’s agriculture and commerce commissioner, said race had nothing to do with passage of Mississippi’s law against abortion after the 15th week. That law is the one now before the Supreme Court in a direct challenge to Roe v. Wade.
Gipson, a Baptist minister who is white, said he believes all people are created in the image of God and have an “innate value” that starts at conception. Mississippi legislators were trying to protect women and babies by putting limits on abortion, he said.
“I absolutely disagree with the concept that it’s racist or about anything other than saving babies’ lives,” said Gipson, a Republican. “It’s about saving lives of the unborn and the lives and health of the mother, regardless of what color they are.”
To those who say that forcing women to have babies will subject them to hardships, Mississippi Attorney General Lynn Fitch, a white Republican, said it is “easier for working mothers to balance professional success and family life” than it was 49 years ago when Roe was decided.
Fitch, who is divorced, often points to her own experience of working outside the home while raising three children. But Fitch grew up in an affluent family and has worked in the legal profession — both factors that can give working women the means and the flexibility to get help raising children.
That’s not the case for many minority women in Mississippi or elsewhere. Advocates say in many places where abortion services are being curtailed, there’s little support for people who carry a baby to term.
Mississippi is one of the poorest states, and people in low-wage jobs often don’t receive health insurance. Women can enroll in Medicaid during pregnancy, but that coverage disappears soon after they give birth.
Mississippi has the highest infant mortality rate in the U.S., according to the Centers for Disease Control and Prevention. Black infants were about twice as likely as white infants to die during the first year of life in Mississippi, according to the March of Dimes.
Across the country, U.S. Census Bureau information analyzed by The Associated Press shows fewer Black and Hispanic women have health insurance, especially in states with tight abortion restrictions. For example, in Texas, Mississippi and Georgia, at least 16 percent of Black women and 36 percent of Latinas were uninsured in 2019, some of the highest such rates in the country.
Problems are compounded in states without effective education programs about reproduction. Mississippi law says sex education in public schools must emphasize abstinence to avoid pregnancy and sexually transmitted diseases. Discussion of abortion is forbidden, and instructors may not demonstrate how to use condoms or other contraception.
The Mississippi director for Planned Parenthood Southeast, Tyler Harden, is a 26-year-old Black woman who had an abortion about five years ago, an experience that drove her to a career supporting pregnant women and preserving abortion rights.
She said when she was attending public school in rural Mississippi, she didn’t learn about birth control. Instead, a teacher stuck clear tape on students’ arms. The girls were told to put it on another classmate’s arm, and another, and watch how it lost the ability to form a bond.
“They’d tell you, ‘If you have sex, this is who you are now: You’re just like this piece of tape — all used up and washed up and nobody would want it,’” Harden said.
When she became pregnant at 21, she knew she wanted an abortion. Her mother was battling cancer and Harden was in her last semester of college without a job or a place to live after graduation.
She said she was made to feel fear and shame, just as she had during sex ed classes. When she went to the clinic, she said protesters told her she was “‘killing the most precious gift’” from God and that she was ”‘killing a Black baby, playing into what white supremacists want.’”
Harden’s experience is not uncommon. The anti-abortion movement has often portrayed the abortion fight in racial terms.
Outside the only abortion clinic operating in Mississippi, protesters hand out brochures that refer to abortion as Black “genocide” and say the late Margaret Sanger, founder of Planned Parenthood and a proponent of eugenics, “desired to eradicate minorities.” The brochures compare Sanger to Adolf Hitler and proclaim: “Black lives did not matter to Margaret Sanger!”
The Mississippi clinic is not affiliated with Planned Parenthood, and Planned Parenthood itself denounces Sanger’s belief in eugenics.
White people are not alone in making this argument. Alveda King, an evangelist who is a niece of the Rev. Martin Luther King Jr., is among the Black opponents of abortion who, for years, have been portraying abortion as a way to wipe out people of their race.
Tanya Britton, a former president of Pro-Life Mississippi, often drives three hours from her home in the northern part of the state to pray outside the abortion clinic in Jackson. Britton is Black, and she said it’s a tragedy that the number of Black babies aborted since Roe would equal the population of several large cities. She also said people are too casual about terminating pregnancies.
“You just can’t take the life of someone because this is not convenient — ‘I want to finish my education,’” Britton said. “You wouldn’t kill your 2-year-old because you were in graduate school.”
But state Rep. Zakiya Summers of Jackson, who is Black and a mother, suggested there’s nothing casual about what poor women are doing. Receiving little support in Mississippi — for example, the Legislature killed a proposal to expand postpartum Medicaid coverage in 2021 — they are sometimes forced to make hard decisions.
“Women are just out here trying to survive, you know?” she said. “And Mississippi doesn’t make it any easier.”
Associated Press reporters Noreen Nasir in Jackson, Mississippi, and Jasen Lo in Chicago contributed to this report.
by Orissa Arend
Historically, we have thought of reparations for African Americans in terms of land or money. But a recent forum of Justice and Beyond (J&B April 25) focused on energy reparations in New Orleans. “Petro-racial capitalism” is a term used by Nikki Luke and Nik Heymen in a scholarly paper. They were panelists on the J&B forum. Delving into the history of both reparations and the exploitative practices of the energy sector, they noted the “racialized accumulation [of wealth and property] enacted through processes of slavery, patriarchy, imperialism, and genocide.” For an in depth analysis, see “Community Solar as Energy Reparations: Abolishing Petro-Racial Capitalism in New Orleans,” American Quarterly, Volume 72, Number 3, September 2020.
Luke and Heyman hold out the real possibility of a renewable and reparative energy system. It would require changing the norms about property, profit, power, and privilege. Maybe the seeds of energy reparations were there all along. In 1865 the Union Major General William Tecumseh Sherman issued Special Order 15 on the recommendation of some Black clergymen. From this Order came the language of “40 acres and a mule.” It strikes me that the mule, that humble, over-worked beast of burden, was the energy part of the formula.
A LOOK AT THE HARMS
The energy sector in Louisiana has created ecological and economic vulnerability through generations of dispossession and reckless disregard for the damage that industries are causing to our climate. The agricultural plantation culture was replaced in the early twentieth century with the oil and gas plantation culture to make Louisiana “America’s very own petro-state,” in the words of Michael Watts, Professor Emeritus at the University of California, Berkeley. Vast profits by energy producers have been realized through regressive taxes and utility rates, regulatory benefits, state subsidies, and tax evasion for extractive industries. Taxpayer money is given as subsidies to the oil and gas companies thus depriving the state’s residents of much needed funds for social services.
One result of these practices for African Americans in New Orleans is the fact that 30 percent more whites own homes in our city than do people of color. The gap has widened by 10 percent since Hurricane Katrina in 2005. This gap is a result of racist policies in many sectors and state-supported asset stripping. In New Orleans Black households are six times more likely to live in poverty than white households. Lamar Gardere, Executive Director of the Data Center, was also a panelist. He provided much needed information from the Data Center’s “Prosperity Index” for Justice and Beyond’s call for a Reparations Task Force and Community Fund.
After Hurricane Katrina, substantial property credits were given to HOMEOWNERS for renovation and also for residential solar energy. Renters were left on their own. Six percent of household income is considered an affordable amount to spend on utilities. In New Orleans, low-income residents pay 10 percent. Luke and Heynen recommend “continued organizing against the corrupt practices of utilities like Entergy, which advance petro-racial capitalism without concern for the planet or people.” They stress “continued organizing” because they want New Orleanians to be aware of bold efforts yielding valuable lessons from the past.
A HISTORY OF RESISTANCE
New Orleans has a history of reparations organizing and politics. A few examples: On February 27, 1865 the New Orleans Freedman’s Aid Association bought land from the government to lease to collectively organized groups of Black farmers. The cooperative economic model included self-help banks. That endeavor came to a screeching halt when President Andrew Johnson decided to give the land back to the former Confederates and plantation owners.
Another example: Five days after Katrina, former Black Panthers Malik Rahim, Robert King, and a small band of revolutionaries, pooled their resources and started the Common Ground Collective. These revolutionaries resurrected the survival programs of the Black Panthers from the 1960s and early 1970s and taught their collective organizing principles to an immense cadre of young, mostly white volunteers from all over the country and around the world. They gutted houses, set up health clinics, planted trees and gardens, and showed what could be done with hardly any money and little or no government help. Malik was a Green Party candidate for New Orleans City Council in 2002 and for Congress in 2006. Environmental Justice was central to his platform.
Perhaps there is a historical thru-line and an opportunity to revisit some of the unfinished goals of emancipation. In 2018 New Orleans initiated the first community solar program in the southern U.S. The City Council advanced the Community Solar Rule. Council President Helena Moreno says that by making solar panels available by subscription in communal areas the new Rule would “allow individuals to benefit from the power and bill credits that independent solar projects produce without installing panels on their own homes. This helps all New Orleanians, especially low-income ratepayers, benefit from solar energy production without outsized installation costs.”
Logan Burke of the Alliance for Affordable Energy explained our energy situation at the Justice and Beyond forum in this way: “While Louisiana’s economic story is often told as ‘energy rich,’ the extractive nature of traditional energy economies have left most residents out of the riches. The power of renewable, distributed, and efficient energy is that it can be democratized, put in community hands, and benefit more than just corporations. The key will be whether policies are enabled that support individual rights, and whether the communities that have been so harmed by extractive practices, especially Black and Indigenous communities, will receive the first fruits of energy democracy.”
“The first fruits of energy democracy.” Wouldn’t it be glorious if the institutional innovations currently being undertaken by the New Orleans City Council bore just such a bounty? But we know from experience that vigilance and continued anti-racist organizing will be required to accomplish this kind of repair.