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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

DANA POINT, Calif. (KGTV) – Over the weekend, hundreds of people, celebrities, and professional athletes participated in the Sheckler Foundation's 3rd annual Gala and 10th Annual Celebrity Golf Tournament, held at the Monarch Beach Resort & Golf Links.The two-day event sponsored by Oakley raised 0,000 for the “Be the Change” initiative which contributes to the many causes that benefit and enrich the lives of children and injured action sports athletes.Those in attendance included Machine Gun Kelly (MGK), Avenged Sevenfold, three-time NBA All-Star Klay Thompson, and professional football players, Reggie Bush and Ryan Mathews. 647

Democratic presidential nominee Joe Biden has taken the lead in the vote counts for two key battleground states, putting him on the precipice of clinching the White House.At about 9 a.m. ET, a vote count update in Pennsylvania showed that Biden had taken a lead of about 7,000 votes over President Donald Trump. The lead for Biden increased to 20,000 by Friday evening.The update came hours after Biden took the lead in Georgia after a vote count update came in from Clayton County. Biden held an advantage of about 4,000 votes in the state, as of p.m. ET8.Trump once held close to a 400,000 vote lead in Georgia when election officials began transitioning from counting Election Day ballots to mail-in votes.Watch RNC officials hold a press conference over the election in Atlanta:Watch Georgia's election officials provide an update on the state's results:On Friday, Georgia Sec. of State Brad Raffensperger said he believes the presidential race will be within the margin of a recount.Georgia and Pennsylvania are two of a handful of battleground states that have yet to be called and will be crucial in determining the outcome of the presidential race. State officials in Nevada briefly stopped counting on early Thursday evening and are set to resume Friday morning.While Trump took to the White House briefing room dais to declare the election was being stolen from him, the reality is that Trump did poorly in mail-in votes. While Trump dominated Biden in votes cast on Election Day, Biden led mail-in voting in Pennsylvania by a 3-to-1 margin, and he led mail-in votes by a 2-to-1 ledger in Georgia. The two states largely completed their Election Day tabulations on Wednesday, allowing Biden to comeback ever since.The Pennsylvania Secretary of State's Office said that the count of mail-in and overseas military ballots was nearly complete, and officials are now counting provisional ballots.Winning Pennsylvania alone assures Biden of an Electoral College victory. Georgia also likely gives Biden a win as the Associated Press previously projected Biden would win Arizona, although Biden's lead has narrowed to just 1.5% there.While dozens of workers in Philadelphia remained busy counting votes, Clayton County, Georgia, also became the center of election attention late Thursday and into Friday. The county, which heavily supported Biden, was still actively counting votes as other counties decided to rest for the night. 2443

Demonstrators in Sacramento marched for hours Friday through California's capital and called for justice in the contentious police shooting death of Stephon Clark, an unarmed black man.During a second day of protests, activists marched about a mile from the city's Tower Bridge to the steps of state Capitol building.They chanted "Black lives matter" and called out Clark's name. One of the march leaders told people to hold up their cellphones; police have said Clark had an object in his hand, but no weapon was found."It's just a cellphone," the man yelled out. "I don't know how the hell it looks like a gun to anybody else." 637

DALLAS, Ga. — A Georgia high school plans to start the week with all classes shifting online after nine students and staff tested positive for the coronavirus as the school year opened with in-person classes last week.News outlets report all students at North Paulding High School west of Atlanta will take online classes Monday and Tuesday.Paulding County Schools Superintendent Brian Ott sent a letter to parents Sunday saying those two days will be used to clean and disinfect the school.Ott disclosed Saturday that six students and three staff had tested positive for the virus.The school made headlines last week with photos posted to social media that showed hallways crowded with students who weren't wearing masks.Hannah Watters, a student who posted photos of the school’s crowded halls, was suspended for her actions, but the punishment was later lifted.Since posting the photos and making headlines, Watters says she has received threats. The sophomore told CNN that she and her loved ones have been sent screenshots of group chats with threatening language against her.Watters believes much of the school’s staff supports her actions, but some of her fellow students don’t."I feel like a lot of teachers have my back because they know how dangerous it is going to school,” she told CNN. “But I know that a lot of the kids I go to school with, I've already gotten backlash for it. I've gotten threats and things like that, but I know that I'm doing the right thing and I, and it's not going to stop me from continuing doing it, but it is concerning, especially since it's a lot of the people I go to school with, people I've known for years now, that are threatening me now." 1694

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