Chase bank charges fees to use unemployment debit cards


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Trimming the costs of governance isn’t inherently a bad thing, but charging the unemployed fees to access their account information probably isn’t the best way for the state to save money.

However, that’s exactly what happened when Rhode Island outsourced the management of unemployment fund accounts to JP Morgan Chase in 2007.

“JPMorgan Chase agreed to operate the system at no cost to the state – if it could charge fees to those receiving unemployment benefits,” reports David Klepper of the Associated Press.

About 35 percent of the 41,000 Rhode Islanders on unemployment use what’s called an Electronic Payment Card to access their benefits. Ostensibly, these would be the people that are so poor they don’t even have a bank account. But Laura Hart, a spokesperson for the state Department of Labor and Training said others on unemployment “may appreciate the convenience of the EPC format.”

Or they may not, once they consider the fees JP Morgan Chase charges to use the service: a $.50 fee to check your balance; $1.50 to withdraw funds more than once per week; $3 for using a bank out of the system.

“The fees shift the cost from state governments to the consumer,” Lauren Saunders, a lawyer with the National Consumer Law Center, told Klepper.”These are people living on thin margins already.”

While Rhode Island isn’t the only state to outsource these costs – at least 40 other state do, according to the AP – the state senate last week voted to have the governor review the fees Morgan is charging.

The bill, if passed, would require that all fees for using the debit card be stated on the card itself. It was sponsored by Sen. William Walaska and Erin Lynch, both Warwick Democrats.

Currently, according to Hart, cardholders are given “literature” that explains the fees. “Additionally,” she said in an email, “DLT produced an information video about avoiding EPC fees” that is on the DLT website.

She also said that “most” fees associated with the EPC cards can be avoided.

Laboratories of Democracy Must Push for More Democracy


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In case you’re not following the steady stream of bills being introduced in the General Assembly (I only do it because I was asked to), you might not have noticed the introduction of a pair of bills that entered both the House and the Senate. If brought to a vote, they should pass, and this would make it the fourth time they’ve come up in the General Assembly, defeated by various methods despite their popularity.

I’m talk about H7388 and S2333, which sign Rhode Island onto the National Popular Vote Interstate Compact (NPVIC). Introduced by Representative Raymond Gallison and Senator Erin Lynch, respectively, these bills have pretty wide support in both houses. H7388 has 45 co-sponsors, meaning if each co-sponsor votes for it, it’s passed. S2333 has exactly half of the Senate as co-sponsors, with 19. The only thing that kept this from getting passed last session was that somehow it never made it to the floor of the House for a vote. In the Senate, it passed overwhelmingly, supported by vast majorities of both parties.

Now, naturally, there’s always going to be pushback. Anchor Rising has discussed criticisms of the NPVIC before, and I encourage you to read their criticisms. Then I encourage you to read the myriad responses National Popular Vote has listed over the years (there’s a lot of it). I would expect AnchorRising to be against this, because they’re conservatives. Conservatives, naturally, are supposed to be resistant to change (hence, conserving the government as it is), and there’s nothing wrong with the impulse of “if it ain’t broke, don’t fix it.”

But the reality is we live in an ever-changing world. There are other impulses in the world. The Electoral College as a system isn’t exactly broke, but it doesn’t work perfectly (four out of 56 elections have produced skewed results) and it certainly doesn’t work everywhere. Just a handful of states got more than 15 visits in the last presidential election. The fact of the matter is that a national popular vote is wanted by the majority of voters in the country (majorities in both major parties and independents), in the state, and the General Assembly.  This isn’t a get onto the streets and march for it sort of support, it’s more of the casual; “yeah, that would be good.” Government works best, in my opinion, when it responds to those sorts of needs. When it does the thing that’s not only popular but also good for the nation before citizens have to rally to get it.

One of Anchor Rising’s alternatives is one I’m in agreement with as a general reform anyway; increasing the size of the United States House of Representatives. This is another good-government policy that is actually in keeping with longer traditions. The reasons there’s all this redistricting hullabaloo each year and states fretting over losing an electoral vote is because back in 1920, Congress decided not to expand its numbers; had it done so, power would’ve concentrated in the hands of the cities and the Northeast; where most people lived at the time. Since then, our numbers have been stuck where they are, with representatives representing vastly disproportionate numbers of citizens.

Anchor Rising calls this a “simple fix” but really, it’s not. If it was a simple fix, then it’d be done already.

States have alternatives when Congress is unwilling to act to implement positive change for the country. Too often, even among those who say they’re proud proponents of states’ rights, we forget just how radically and differently our states are allowed to act from the country. We argue about tax rates, about how to get federal money, etc., etc. Very few states are actually undertaking any real change, any real experimentation, any novel ideas. Rhode Island needs to be a state that does. Signing onto the NPVIC is a step in that direction. It should be brought to a vote speedily and efficiently, in both chambers this session, and then signed by the Governor.

Occupy East Bay tonight, Occupy URI teach-in on Thursday

A new Occupy group is starting in Rhode Island and while the first one focused on Providence this one will focus on the East Bay.

“People there are interested in doing something,” said Randall Rose, one of the organizers of Occupy East Bay, which meets tonight at the Bristol Library (525 Hope St.) from 6 to 8 p.m.

“It’s not the only place,” said Rose, who was heavily involved with Occupy Providence, “but it’s the furthest along.”

Occupy URI is another new local offshoot of the 99 percent movement that is forming in the Ocean State. The group has met twice so far and a “teach-in” is planned for Thursday at 3:30 to 6:30 in White Hall, room 205. Presentations will include Helen Mederer, of the Department of Sociology and Anthropology and Scott Molloy, a professor of Labor and Industrial Relations.

Here is a video from a previous Occupy URI meeting:

Payday Reform and Policy Change: A Recent Conversation on Sonic Watermelons on BSR


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PROVIDENCE, RI – Are Rhode Islanders paying fees for loans that are higher than what residents in other states are paying? The answer in some cases is yes – 260% versus 36%. Learn more about the type of loans that charge these rates, the impact of these loans on RI families, and what you can do to stop the practice in this excerpt from my interview with Margaux Morriseau and Nick Figueroa of the RI Coalition for Payday Reform.

It’s from the February 8, 2012 edition of Sonic Watermelons on BSR (Brown Student and Community Radio) – a show I produce as part of my work on VenusSings.com and with Isis Storm, a collective of artists, writers, and educators who empower women and underserved communities through performances, workshops, and media projects.

For more information on the topic, click here to listen to the full interview or click on the handouts provided below by the RI Coalition for Payday Reform.

FYI:  Hear Sonic Watermelons live every Wednesday, from 6:00-8:00 PM…

Presented by Venus Sings and Isis Storm
Because the World is a Big Place
With Big Ideas and Lots and Lots of Music

Live or archived: bsrlive.com
Studio phonelines: 401-863-9277
Contact: IsisStorm.com, VenusSings.com

Jack Reed Work-Sharing Language Passes

Little fanfare, but this work-sharing legislation will (hopefully) come to make a difference in the lives of millions of Americans by creating incentives for employers roll back hours during downturns rather than lay people off wholesale.

If you needed to cut payroll by 10%, the new law would make it more sensible to reduce everybody’s hours by 10% rather than lay off one out of ten employees.

This week, Congress passed the Middle Class Tax Relief and Job Creation Act of 2012 that carried the essential provisions of work-sharing bills proposed by Sen. Jack Reed and Rep. Rosa DeLauro. The bill would have the federal government pick up some of the expenses associated with state work-sharing programs, thereby giving them more incentive to promote work sharing….

Work sharingor short-time compensation as it referred to in the bill, allows workers who had their hours reduced to receive benefits equal to half of their reduction in pay. From the standpoint of the worker, the employer, and the economy as a whole, it is likely to be a better outcome if workers can be kept on the job working shorter hours rather than being laid off.

Brown can and should pay Providence more


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While it was the hospitals Mayor Angel Taveras met with late last week, the focus again this week will likely be a new deal with Brown University.

After all, the hospital industry in Rhode Island is struggling, reports Megan Hall of Rhode Island Public Radio. The hospitals here lost a combined $4 million last year, the Hospital Association of Rhode Island said. Six of the 11 lost money, but the lobby group wasn’t saying which ones.

Brown University, on the other hand, is doing quite well.

It’s endowment is worth $2.5 billion this year, an increase of 19 percent from the year before. That’s the money the Ivy League School has in the bank. While the endowment invested some $100 million in offsetting the university’s costs last year, a mere 14 percent of the school’s overall budget, its nest egg grew more by more than $400 million.

Taveras expected to get about $4 million a year from Brown – or about 1 percent of what the school earned on its investment last year. That’s not a big slice of the profits.

It’s true, Brown may have lost much more than that in the 2009 crash, but over the last ten years it’s endowment has gone up by a comfortable 7.7 percent. It’s also true that Brown has the smallest endowment in the Ivy League, but that’s a little bit like being the biggest city in Wyoming: Cheyenne is no more urban than Brown is poor. This Wikipedia list ranks it as the 28th richest college or university in the country.

Brown may be the single best influence on the city of Providence – its employs thousands of people, the commercial districts on Wickenden and Thayer streets owe their very existence to the students and staff there and its cultural offerings are a boon to the entire community.

But Providence is a pretty good thing for Brown, too. And it’s very safe to assume that the best and brightest will think twice about spending $50,000 a year to attend the prestigious university if its located in a financially destitute city.

Brown should pay up not only because it can afford to do so, but also because it’s in its best interest to do so.

The Gospel Is Too Important to Put Down

I’m an atheist. Let’s put that aside right away. I’m an atheist for very personal reasons, and it’s a decision I arrived at after very careful thought and much emotional difficulty. And I understand that this distinction sets me apart from a large majority of my peers and indeed the rest of Americans. To say that life is difficult for an atheist is an understatement, we can see the proof of this today with Jessica Ahlquist in Rhode Island. And as we put a close to this chapter in our history I want to make a call for unity going forward.

Plenty of religious leaders have already made the call for civility from their congregations after the horrific response from people as a result of the court decision. No doubt these folks who put out such an outpouring of hate considered themselves good Christian people, but I hope the aftermath of that hatred made them question that. Christianity is based far more on the New Testament than the Old Testament, and as such is far less violent and more martyr-based. The God of the Old Testament is a violent, jealous God. The God of the New is a loving, forgiving God. In this sense, it might be good to ask, are those who are quick to lash out when they feel their beliefs are under attack followers of Elijah or followers of Jesus?

That said, I do take issue with many atheists. Take for example, Rick Perry’s “Strong” advertisement. It was awful. It still is awful. It never should have aired, and it sort of signaled the end of Rick Perry as a viable candidate for President (if he ever had been). But one of the things that struck me was the angle that some of the inevitable parodies chose to take. The worst “parody” was almost as bad as “Strong” itself. Go ahead and watch it. Personally, I find it unwatchable. In every way, it’s just as bad as what it mocks. It makes me ashamed.

The best parodies, in my opinion, tapped into the shame religious folks felt watching Perry proceed to make an ass out of Christianity (my personal favorite). The best put Perry out there as something most people aren’t like. They didn’t dwell on religion, and instead relied on an exaggeration of Perry’s own words to make a fool of him. There wasn’t a sense of superiority. Too many atheists I run across have a sense of superiority combined with a unwillingness to listen. I understand, religious issues force visceral reactions; it’s why the religious right relies on them heavily. And I understand that there are religious folks just as superior and unable to listen (“Bill, you’re such a good person, it’s a real shame you’re going to hell”). The main difference is that atheists aren’t backed by large community organizations like churches. They exist in the minority and on the fringe.

Despite the case of Cranston, Rhode Island is still one of the least religious states; 79% of Rhode Islanders/Connecticuters are absolutely or fairly certain in a God or Universal Spirit, according to Pew Research’s most recent poll on the subject (their sample size required them to combine Rhode Island and Connecticut, there’s a 5% margin of error). Anyone reading that sentence has pretty much understood the issue here; agnostics and atheists are in the minority, by a long way. As I said, being an atheist is no walk in the park. Much of American life is still organized around churches and religious centers.

The secular left cannot afford to be ignorant of this. It cannot pretend to live in a non-religious America. A secular society is a tolerant society, not an atheistic one. There is a well-established precedent that there is a wall of separation between church and state, and this is good. Religion gets corrupted by politics as it has been many times over. The first argument for a secular America should be the protection of religion. How many times in the past did the Vatican intervene in politics? How many died for the political ambitions of past Popes? Take a look at the Lord’s Resistance Army, and tell me this isn’t a corrupt version of Christianity.

But understanding that does not mean that religion must be exorcised from political talk. For much of America’s history, the Bible acted as the main form of literature of the majority of households. People learned to read from it, they learned how to write, its language continues to seep into American speech today. Three of the world’s major religions use parts of it. Even those who have never read the Bible know phrases from it, or at least bastardizations of those phrases; “…it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God,” “…the love of money is the root of all evil…” etc., etc. The King James Bible is more influential on the English language than Shakespeare. To be unable to utilize its very rich language is to be unable to speak to a huge audience. The study of the Bible is important for the secular left, if only to grasp the very real arguments Jesus makes against greed and corruption.

But beyond that, we must understand more about Christianity than many would perhaps like. One of the most interesting shifts in American thought is a shift in religious doctrine from postmillennialism to premillennialism. To put it briefly, millennialism (nowadays condemned by the Catholic Church) is the belief in a thousand-year reign of Christ prior to the Last Judgement that will be a paradise on Earth. Postmillennialism is the belief that this paradise will come before Christ’s second coming. Premillennialism is that it will come after Christ’s second coming; the famous idea of the “rapture” where the good are called to Heaven is a strain of premillennial doctrine.

The implications are vast. In the former, it is possible for humanity to build a good and just world and make it last. In the latter, humans are sinful and only the good will survive. Leftists must make the appeal to the former, for a nation that strives for a postmillennial world, where we can indeed build a good and decent society. Where we all need to pull together to create a perfect society, where we have it in our power to be so. The implications of the other idea are selfish and greed-based, they resist interaction, they resist society, they resist each other.

To succeed as a movement, there must be a willingness to engage all who would assist, no matter whether they believe in God or express strong doubts. We must recognize the good in each other, our commonalities, and learn to accept our differences. No one should want their beliefs unfairly foisted on another person, just as they would not want the beliefs of that person foisted on them. Hatred wins no one friends.