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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

DELRAY BEACH, Fla. (AP) — A man photographed fleeing smoke and debris as the south tower of the World Trade Center crumbled just a block away on Sept. 11, 2001, has died from coronavirus.The Palm Beach Post reports that Stephen Cooper died March 28 at in Delray Beach, Florida, due to COVID-19. He was 78.The photo, captured by an Associated Press photographer, shows Cooper with a manila envelope tucked under his left arm.He and several other men were in a desperate sprint as a wall of debris from the collapsing tower looms behind them.The image was published in newspapers around the world and is featured at the 9/11 Memorial Museum in New York. 659

DALLAS — Southwest Airlines is moving closer to the first furloughs in the airline's nearly 50-year history. The airline warned nearly 7,000 employees this week that they could lose their jobs unless labor unions accept concessions to help Southwest cope with a sharp drop in travel during the pandemic. That's roughly 12% of the airline's staff.The jobs impacted include customer service agents, ramp agents, operations agents, provisioning agents and freight agents nationwide. Last month, Southwest warned another 400 mechanics could be furloughed. Southwest is seeking pay cuts of around 10% in exchange for no furloughs through 2021. In WARN letters required by law of the possible involuntary furloughs, Southwest says they were able to operate without any employee pay cuts, layoffs or furloughs this year because of the Payroll Support Program in the CARES Act from Congress. Once the protections and funding expired on September 30, the airline says they implemented voluntary separation opportunities, "with approximately 25 percent of Employees taking voluntary options," the airline writes. The airline’s top labor-relations official says negotiations with unions have stalled. Unions say they have proposed cost-cutting measures to Southwest, but management has rejected them and refuses to consider any more voluntary buyouts to reduce the workforce. 1372

DENVER – Sen. Cory Gardner (R, Colorado) said Friday he’d received assurances from President Trump this week that Colorado’s legal marijuana industries won’t be affected by Justice Department rule changes implemented earlier this year, and said the president backs a congressional fix.“Late Wednesday, I received a commitment from the President that the Department of Justice’s recission of the Cole memo will not impact Colorado’s legal marijuana industry,” Gardner said in a statement to Scripps station KMGH in Denver. “Furthermore, President Trump has assured me that he will support a federalism-based legislative solution to fix this states’ rights issue once and for all.”Gardner said that he’d decided to lift the remaining holds on Justice Department nominees that have been in place since January, when Sessions decided to rescind the 2013 Cole memo, which generally protected states with legal marijuana programs from extraneous federal law enforcement.He dropped some of the holds in February “as an act of good faith,” he said at the time, after discussions with the deputy U.S. attorney general. The holds were to have stayed in place until Gardner received the assurance from the Justice Department or president, he had said.All of Colorado’s members of Congress except for Rep. Doug Lamborn have been working in varying degrees to pass legislation to protect Colorado’s recreational and medical marijuana programs.After Sessions made his announcement in early January, the acting U.S. attorney for Colorado reassured the members of Congress that federal enforcement rules in Colorado wouldn’t change much – but the members have pushed for further reassurances.Rep. Jared Polis, D-Colo., had tried to get an amendment into the omnibus spending bill Congress passed in late March that would have protected recreational pot programs. The provision would have prohibited the Justice Department from spending money to crack down on recreational marijuana in states where it is legal, but it was nixed. But the omnibus bill did include similar protections for states with medical marijuana programs.Gardner and Polis, as well as Sen. Michael Bennet and Rep. Ed Perlmutter, expressed disappointment that the protections weren’t included in the spending bill, but said they would continue to work toward solutions.Gardner said Friday that those discussions were active and ongoing.“My colleagues and I are continuing to work diligently on a bipartisan legislative solution that can pass Congress and head to the President’s desk to deliver on his campaign position,” Gardner said in a statement.Trump said during his 2016 campaign run that he would leave marijuana rules up to the states, so when Sessions made his January decision, Colorado politicians were incensed.On Friday, White House legislative affairs director Marc Short told The Washington Post that Trump “does respect Colorado’s right to decide for themselves how to best approach this issue.”But he also said the White House was “reluctant to reward that sort of behavior,” referring to Gardner’s holds that had affected around 20 nominees. 3125

DEARBORN, Mich. (AP) — Ford and Volkswagen will work together to develop a small city van, a larger cargo van, a small pickup truck and an electric vehicle as part of their global alliance announced last year.The companies on Wednesday announced some details of what the venture will yield, with the city van created by VW and a 1-ton cargo van engineered by Ford to be sold by both companies.Also, VW will make a small pickup built on the underpinnings of Ford’s Ranger, and Ford will build an electric vehicle for Europe based on VW’s modular design, the companies said.The automakers announced the alliance last July amid a string of industry partnerships designed to share the costs of developing new technologies.“In light of the Covid 19 pandemic and its impacts on the global economy, more than ever it is vital to set up resilient alliances between strong companies,” said Volkswagen Group CEO Dr. Herbert Diess. “This collaboration will efficiently drive down development costs, allowing broader global distribution of electric and commercial vehicles, and enhance the positions of both companies.”“This alliance comes at a time of tremendous enthusiasm about the intersection of increasingly intelligent, connected vehicles in an ever-smarter world,” said Ford CEO Jim Hackett. “This creates a huge opportunity to innovate and solve many of the world’s transportation challenges and deliver extraordinary benefits to customers – even as companies need to be selective about how they use their cash.” 1517