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Democratic presidential nominee Joe Biden has presented a broad—and expensive—set of housing policy prescriptions. Some commentators have called them a “comprehensive plan” for housing, while others say Biden is throwing big money at real problems without offering practical solutions.Either way, the Biden campaign’s housing plan is a wish list. If Biden wins, final passage of most of these proposals depends entirely on which party ends up controlling Congress.This article is based on known Biden proposals to:· Expand the housing choice voucher program· Require states receiving government money to plan for affordable housing units· Reinstate an Obama-era rule requiring communities to create a plan to mitigate discriminatory housing practicesForbes Advisor reached out to both the Trump and Biden campaigns, but neither responded for comment. To learn how the Trump administration might handle housing issues during a second term, see this story.Biden Housing Overview: Expand Affordable HousingBiden’s plans earmark billions of dollars to provide fair and affordable housing for middle-class families and the poorest Americans. All in all, Biden’s housing policy proposals would cost 0 billion over 10 years, although he has not detailed where any of this funding would come from.The Biden plan would put 0 billion into an “Affordable Housing Fund,” the bulk of which ( billion) would provide incentives to develop and rehabilitate low-cost housing where there’s a shortage.“These funds will be directed toward communities that are suffering from an affordability crisis and are willing to implement new zoning laws that encourage more affordable housing,” according to Biden’s plan.Biden’s Plans Would Boost Section 8 AvailabilityThe plan also calls to expand the Section 8 housing choice voucher program, the largest federal housing program for low-income renters. Biden would make Section 8 an entitlement, thus ensuring vouchers to all eligible people.Currently, only 1 in 5 eligible households receive assistance, with waiting times pushing two years in some places. Some 2 million households receive Section 8 vouchers, but that’s not enough to meet demand.“Expanding vouchers to all those eligible will need to be matched with a strong, national measure to include ‘source of income’ as a protected class under fair housing law,” says Miriam Axel-Lute, editor of Shelterforce, a nonprofit publication published by the National Housing Institute.In addition, Axel-Lute says, reducing exclusionary zoning policies, which ban construction of multi family homes, would expand the home selection for families with vouchers.Biden also would push for a law that would ban discrimination against tenants who use Section 8 vouchers or receive other federal housing benefits.Biden Would Restore Fair Housing RulesBiden has pledged to reinstate the Obama administration’s Affirmatively Furthering Fair Housing (AFFH) rule. The Trump administration only recently terminated the rule, which required towns and cities that received HUD funding to create plans to eliminate housing descrimination in their localities.Critics of AFFH have said there were too many hoops to jump through in order to get funding, while proponents have defended the initiative as being an integral step in promoting fair housing policies.Maintaining the Obama-era rule would help push forward housing equity, says Bruce Dorpalen, executive director of the National Housing Resource Center.“Biden’s proposal shows that there is institutional racism and biases we need to change. If we want to reestablish the Black middle class in this country, homeownership has to be part of that,” Dorpalen says. ”The Biden housing platform has that built-in.”President Trump has falsely stated that the AFFH rule would have “required high-density zoning, eliminated single-family zoning, and destroyed our suburbs.” The rule does not mandate any particular solution to discrimination or unfair practices; it just requires that each community identify the problems and come up with a workable solution.Solomon Greene, a senior fellow at the Urban Institute, a Washington D.C.-based think tank, says that AFFH holds municipalities accountable if they want to receive federal dollars, but doesn’t tell them how to do it.“The 2015 AFFH rule offers guidance, not a particular solution,” says Greene, who was part of the HUD team that wrote the rule in 2015. “Every plan I’ve reviewed has been incredibly diverse; there was a huge range of strategies depending on the area. This is very far from Trump’s assertion that the AFFH rule was requiring rezoning of suburbs or even to build affordable housing.”Fight Single-Family Zoning to Expand Housing and Curb DiscriminationThe U.S. faces a shortage of housing, running 19% below last year’s supply. Although new construction was up in July, the housing market needs more positive growth to reach balanced levels, says Lawrence Yun, chief economist at the National Association of Realtors (NAR).The housing shortage is the most pronounced in the West, according to data from NAR.Experts on both sides of the aisle have called for a ban on single-family zoning, which is said to drive up home prices and restrict new construction, contributing to the housing shortage.A story by Charles Marohn published in The New Conservative says about single-family zoning: “After all, there is no greater distortion of the market than local zoning codes, and there are few bureaucracies doing more harm to property rights and freedom than local zoning offices.”Biden addresses zoning issues several times in his housing plan when it concerns discrimination or where federal grant money is involved.The Biden plan would seek to “eliminate local and state housing regulations that perpetuate discrimination.” More specifically, a Biden administration would require states receiving community development or transportation block grants from the federal government dollars through Community Development Block Grants or Surface Transportation Block Grants to incorporate inclusionary zoning into their planning. Inclusionary zoning requires that a portion of new construction is set aside for affordable housing.Biden also would allocate billion for state housing authorities and the Indian Housing Block Grant program to build and restore housing in low-income areas. This money would go to communities “that are suffering from an affordability crisis and are willing to implement new zoning laws that encourage more affordable housing.”Ed Pinto, senior fellow at the American Enterprise Institute, a right-leaning think tank, doesn’t believe that Biden’s plan goes far enough to eradicate single-family zoning. According to Pinto, single-family zoning promotes “NIMBYism,” an acronym for “not in my backyard.”“We have supply constraints because of terrible zoning policies,” Pinto says. “Single-family zoning promotes NIMBYism, which drives house prices up tremendously in low-cost areas. None of the things in Biden’s proposal would make things better. You still end up with a housing shortage, nowhere to build and federally guaranteed loans that increase demand against limited supply.”Eliminate Biased Housing Practices and Expanding AffordabilityThe Biden housing plan sets a goal to stamp out racially biased practices like redlining, which denies people services or charges more for those services based on race, religion or ethnicity. Furthermore, the Biden plan wants to ensure that Americans spend no more than 30% of their income on housing, which would help people in all income brackets. These ideas would be achieved by enacting legislation similar to the “Housing, Opportunity, Mobility, and Equity (HOME) Act.”The HOME Act would give a refundable tax credit to people who spend more than 30% of their income on rent. It also would require inclusionary zoning—a requirement that developers set aside a percentage of units that would be rented or sold at reduced prices—which would help increase affordable housing construction while also knocking out housing discrimination based on race and income.The Biden plan also would target unfair property appraisals, which values Black-owned homes at tens of thousands of dollars less than comparable white-owned homes. A study by the Metropolitan Policy Program at the Brookings Institute found that homes of matching quality and amenities in predominantly Black neighborhoods were valued at 23% less than in those neighborhoods with fewer Black residents.“Anti-discrimination legislation, like ending redlining—which Biden proposes—in housing is crucial,” David Dworkin, CEO of the National Housing Conference, a nonprofit, nonpartisan coalition of national housing leaders from both the public and private sector, says. “What Biden is proposing would help millions of Americans. There’s a disturbing element of ‘I’ve got mine, too bad for you.’ Some people say, ‘I put 20% down on the house, why can’t you?’Bottom LineBiden’s housing plan aims to reduce or eliminate discriminatory practices in the housing industry through legislation and expanded funding, from reinstating Fair Housing Rules to broadening programs that would help low-income families.However, while Biden’s vision of fair and affordable housing is both admirable and needed, critics say that he’s doing little more than throwing money at big problems, such as the lack of affordable housing.“Biden has one solution to every problem: he’s going to spend more money on it. There’s very little thoughtful planning here; what there is is an open checkbook,” says Michael Tanner, senior fellow at the Cato Institute, a libertarian think tank.More from Forbes Advisor:How Would A Second Trump Term Impact Major Housing Issues?No, Joe Biden Will Not Kill Your 401(k)Who’s Better For Your Retirement Portfolio: President Trump or President Biden? 9881

Dave Chappelle hopped on a plane to visit Kanye West after the rapper reportedly sent several troubling tweets Monday night. The friendly visit was shared in a video posted by West to Twitter.“DAVE YOU ARE A GOD SEND AND A TRUE FRIEND,” West wrote in the tweet.In the video, West asks Chappelle to say something.“Brotherhood is real. Love is real,” Chappelle responds.West laughs then asks for something funny, a joke to lift their spirits. Chappelle struggles, then says he is only on his first cup of coffee and needs to think of something. 550

DETROIT, Mich. — A Detroit mother lost her battle with COVID-19 after giving birth to a baby boy. The 33-year-old woman, Erika Becerra, passed away before she could even hold her newborn son in her arms. Becerra had no underlying conditions other than her pregnancy. Her family is understandably heartbroken after the unbelievable tragedy. Thankfully, Becerra's husband, 1-year-old daughter and newborn son all tested negative for the coronavirus. With unimaginable challenges ahead, Becerra's family has started a GoFundMe page to help with expenses. This story was originally published by staff at WXYZ. 613

Deal has been fully agreed upon now, source tells ESPN. https://t.co/CVk6AzszRh— Adrian Wojnarowski (@wojespn) October 15, 2020 135

DENVER – Travis Reinking, the man suspected of killing four people at a Waffle House outside of Nashville on Sunday, was carrying a Colorado ID card with him when he was arrested Monday, Tennessee authorities said, and may have lived here for some time.The card is presumably the same Colorado ID card that Reinking, 29, was carrying last July when he was arrested for breaching a White House security barrier.An incident report obtained by Scripps affiliate KMGH-TV in Denver from the Metropolitan Police Department in Washington, D.C. shows that Reinking was carrying a Colorado commercial driver’s license, along with a debit card, an iPhone and 7 in cash when he was arrested in July 2017.In the incident, Reinking allegedly told a U.S. Secret Service officer he needed to get into the White House to “speak with POTUS.”He had been blocking one of the pedestrian entrances, and said he was “a sovereign citizen” who “has a right to inspect the grounds,” according to the report. When the officer told Reinking again to stop blocking the entrance, he took his tie off and “balled it into a fist” before walking past the officer and the security guard, according to the report.“Do what you need to do. Arrest me if you have too [sic],” he told the officer, according to the report.But the officer grabbed him and escorted him outside, where he was arrested for unlawful entry.Additionally, Reinking appears to have lived in Salida, Colo. for some time in early 2017 and possibly in 2016.A “Word on the Street” column published in the Salida-based Mountain Mail in January 2017 shows that Reinking, who described himself as being from Salida, was asked, “What makes you happy?”He responded, “True love. Just because it’s the best thing that can happen in life.”On Monday, The Mountain Mail published another story confirming that Reinking had a Salida connection and that he was the man interviewed in the “Word on the Street” column.Reinking’s Facebook page also shows that several of his just 13 “friends” live in Salida and work for a crane service. Reinking’s father also owns a crane rental service in Illinois, where Reinking was living before moving to the Nashville area last fall, according to law enforcement authorities.Nashville Police Lt. Carlos Lara said Monday after Reinking was arrested that in addition to the Colorado ID, Reinking was also found with a semi-automatic gun, a holster, a flashlight, and ammunition.He said a tip led to Reinking’s arrest.Though Colorado authorities told Denver7 Monday they were unable to discuss Reinking’s driver’s license, the D.C. police report confirms it was a commercial license, which drivers have to be medically cleared for.In order to obtain a DOT medical card to qualify for a CDL, drivers have to clear a medical examination report that determines whether or not they are fit. Included in that evaluation is a mental health review. There have been some questions raised about Reinking’s mental fitness stemming from the Washington, D.C. incident and other incidents in Illinois.In the Illinois incidents, Reinking’s parents had told police that their son believed Taylor Swift was stalking him and that he’d made suicidal comments.After the White House incident, Illinois law enforcement took away four of his guns, then returned them to his father, who in turn passed them back to the younger Reinking, according to the FBI. One of the weapons was believed to have been used in Sunday's shooting.It’s unclear what Reinking meant when he declared himself a “sovereign citizen” during the White House incident, but the FBI tracks sovereign citizens and considers some of them to be domestic terrorists, they wrote in 2011. 3701