I spent the last week interviewing men and women, and the children of men and women, who bought their homes on contract in Chicago during the 1950s. Contract buying sprang up in Chicago after the federal government effectively refused to insure mortgages for the vast majority of black homeowners, even as it was insuring the mortgages of white homeowners, and encouraged banks to redline black and integrated neighborhoods. The import of mid-20th century housing policy -- along with private actions (riots, block-busting, contract lending, covenants) -- has been devastating for African Americans.
Buying on contract meant that you made a down-payment to a speculator. The speculator kept the deed and only turned it over to you after you'd paid the full value of the house -- a value determined by the speculator. In the meantime, you were responsible for monthly payments, keeping the house up, and taking care of any problems springing from inspection. If you missed one payment, the speculator could move to evict you and keep all the payments you'd made. Building up equity was impossible, unless -- through some Herculean effort -- you managed to pay off the entire contract. Very few people did this. The system was set up to keep them from doing it, and allow speculators to get rich through a cycle of evicting and flipping.
I spent some time talking to a 90-year-old man who'd come up from Mississippi. His family had been reduced to sharecropping after the county government took their land. "In Mississippi, there was no law," he told me. There was no law in Chicago either. The gentleman purchased his home for $26,000. He later found out that the deed-holder had purchased the same home -- only weeks before -- for $9,000.
Above is a picture I took of a chart showing how the scheme could work. The chart was produced by activist lawyers in the late 60s trying to demonstrate the effects of contract buying. There are four columns "Documented Price Paid By Speculator," "Documented Price Change To Negro Buyer," "Markup," "Approximate Additional Interest," and "Total Additional Charges." In that chart you can literally see black wealth leaving one neighborhood and migrating to another. It was not just legal. It was the whole point.
Jim Crow -- Northern or Southern -- is usually rendered to us as an archaic system in which people irrationally decide to separate from each other just based on skin color. There's a reason that so many of us remember Martin Luther King's line about little white boys and little black boys holding hands. It's comforting to us. Less comforting is that fact that Jim Crow amounted to the legal pilfering of resources from the black communities to advantage white people across generations. In Mississippi, it meant the right to reduce someone to sharecropping, or to benefit politically from their census numbers while not giving them any representation, or to tax them for services they did not enjoy equal access to. In Chicago, it meant the legalized theft of black wealth by white agents.
It is very hard to accept this -- the wealth gap is not a mistake. It is the logical outcome of policy and democratic will. From the streets of Cicero on up, the point was to imprison black people in the black belt and then exploit them. The goal was pursued through public policy, private action, and open terrorism. The goal was accomplished.
Without the financial support that many white families can provide, minority young people have to continually make sacrifices that set them back.
The year after my father died, I graduated from grad school, got a new job, and looked forward to saving for a down payment on my first home, a dream I had always had, but found lofty. I pulled up a blank spreadsheet and made a line item called “House Fund.”
That same week I got a call from my mom—she was struggling to pay off my dad’s funeral expenses. I looked at my “House Fund” and sighed. Then I deleted it and typed the words “Funeral Fund” instead.
My father’s passing was unexpected. And so was the financial burden that came with it.
For many Millennials of color, these sorts of trade-offs aren’t an anomaly. During key times in their lives when they should be building assets, they’re spending money on basic necessities and often helping out family. Their financial future is a rocky one, and much of it comes down to how much—or how little—assistance they receive.
The Islamic State is no mere collection of psychopaths. It is a religious group with carefully considered beliefs, among them that it is a key agent of the coming apocalypse. Here’s what that means for its strategy—and for how to stop it.
What is the Islamic State?
Where did it come from, and what are its intentions? The simplicity of these questions can be deceiving, and few Western leaders seem to know the answers. In December, The New York Times published confidential comments by Major General Michael K. Nagata, the Special Operations commander for the United States in the Middle East, admitting that he had hardly begun figuring out the Islamic State’s appeal. “We have not defeated the idea,” he said. “We do not even understand the idea.” In the past year, President Obama has referred to the Islamic State, variously, as “not Islamic” and as al-Qaeda’s “jayvee team,” statements that reflected confusion about the group, and may have contributed to significant strategic errors.
Welfare reform has driven many low-income parents to depend more heavily on family and friends for food, childcare, and cash.
Pity the married working mom, who barely has time to do the dishes or go for a run at night, much less spend a nice evening playing Boggle with her husband and kids.
But if married working parents arestruggling with time management these days, imagine the struggles of low-income single parents. Single-parent households (which by and large are headed by women) have more than tripled as a share of American householdssince 1960. Now, 35 percent of children live in single-parent households.
But while the numbers are growing, the amount of help available to single mothers is not. Ever since the 1996 Personal Responsibility and Work Opportunity Law (generally referred to as welfare reform) placed time limits and work requirements on benefits in an effort to get welfare recipients back into the workforce, single-parent families have had a harder time receiving government benefits. Some states have made it more difficult for low-income single-parent families to get other types of assistance too, such as imposingwork requirements and other barriers for food stamps. According to a recentNew York Times column, between 1983 and 2004, government benefits dropped by more than a third for the lowest-income single-parent families.
Critics of the HIV-prevention pill say it's not as good as safe sex. That's a false comparison, and a dangerous one.
On Monday, August 3, I tested positive for HIV.
That night, I sat on the sofa in my friend’s high-rise apartment in downtown Miami, peering down at the grainy, sodium-vapor-lit sprawl. I related the story of an older friend who’d tried to console me by saying HIV-positive people stay healthy. His words, while well-intentioned, only served to amplify the generational difference between us: Gay millennials, when they think of HIV, think more about dating than about death. On my way over, I’d seen couples walking together and thought about how I’d likely never have that—so many people I might have coupled with, all lost opportunities now.
For men in America with access to healthcare, HIV isn’t usually fatal. But it’s stigmatizing, expensive, and permanent.
The competition is fierce, the key players are billionaires, but the path—and even the destination—remains uncertain.
The race to bring driverless cars to the masses is only just beginning, but already it is a fight for the ages. The competition is fierce, secretive, and elite. It pits Apple against Google against Tesla against Uber: all titans of Silicon Valley, in many ways as enigmatic as they are revered.
As these technology giants zero in on the car industry, global automakers are being forced to dramatically rethink what it means to build a vehicle for the first time in a century. Aspects of this race evoke several pivotal moments in technological history: the construction of railroads, the dawn of electric light, the birth of the automobile, the beginning of aviation. There’s no precedent for what engineers are trying to build now, and no single blueprint for how to build it.
In the name of emotional well-being, college students are increasingly demanding protection from words and ideas they don’t like. Here’s why that’s disastrous for education—and mental health.
Something strange is happening at America’s colleges and universities. A movement is arising, undirected and driven largely by students, to scrub campuses clean of words, ideas, and subjects that might cause discomfort or give offense. Last December, Jeannie Suk wrote in an online article for The New Yorker about law students asking her fellow professors at Harvard not to teach rape law—or, in one case, even use the word violate (as in “that violates the law”) lest it cause students distress. In February, Laura Kipnis, a professor at Northwestern University, wrote an essay in The Chronicle of Higher Education describing a new campus politics of sexual paranoia—and was then subjected to a long investigation after students who were offended by the article and by a tweet she’d sent filed Title IX complaints against her. In June, a professor protecting himself with a pseudonym wrote an essay for Vox describing how gingerly he now has to teach. “I’m a Liberal Professor, and My Liberal Students Terrify Me,” the headline said. A number of popular comedians, including Chris Rock, have stopped performing on college campuses (see Caitlin Flanagan’s article in this month’s issue). Jerry Seinfeld and Bill Maher have publicly condemned the oversensitivity of college students, saying too many of them can’t take a joke.
A black student posted “White Only” signs on water fountains to highlight systemic racism—and provoked an uproar.
In the middle of September, students arrived on campus at the State University of New York at Buffalo to find “White Only” and “Black Only” signs plastered near elevators, water fountains, benches, and bathrooms. It was not immediately clear who put up the signs. But they summoned an era when segregation on the basis of skin color was the law of the land.
The backlash—on campus and across social media—was swift. The incident touched off a tense debate over racism and free speech that is still unfolding more than two months after the signs were taken down.
Ashley Powell, a black graduate student, created the signs as part of a project for a class offered by the Art Department. She says that reaction was exactly the point. “The signs are a reminder that just because you can’t see racism around you doesn’t mean it’s not there,” Powell said in an interview. “I wanted people to feel something. I wanted people to realize they must confront racism and fight against it in their daily lives.”
Managers who believe themselves to be fair and objective judges of ability often overlook women and minorities who are deserving of job offers and pay increases.
Americans are, compared with populations of other countries, particularly enthusiastic about the idea of meritocracy, a system that rewards merit (ability + effort) with success. Americans are more likely to believe that people are rewarded for their intelligence and skills and are less likely to believe that family wealth plays a key role in getting ahead. And Americans’ support for meritocratic principles has remained stable over the last two decades despite growing economic inequality, recessions, and the fact that there is less mobility in the United States than in most other industrialized countries.
This strong commitment to meritocratic ideals can lead to suspicion of efforts that aim to support particular demographic groups. For example, initiatives designed to recruit or provide development opportunities to under-represented groups often come under attack as “reverse discrimination.” Some companies even justify not having diversity policies by highlighting their commitment to meritocracy. If a company evaluates people on their skills, abilities, and merit, without consideration of their gender, race, sexuality etc., and managers are objective in their assessments then there is no need for diversity policies, the thinking goes.
The cards Overweight Haters Ltd. is handing out to passengers on the Tube aren’t just cruel; they’re ineffective.
They come every year around this time, as reliably as the chilling of the air and the preponderance of red coffee cups: the public-relations pitches, bedecked in exclamation points and cheer, offering expert tips on how to fight the holiday weight, or win the battle of the bulge, or stay svelte through New Year’s. If I had a nickel for every email in my inbox right now exhorting me to put down the pie, I’d have enough money to buy myself several more pies. Not the grocery-store brand, either. The fancy bakery kind.
‘Tis the season, in other words, to make some strangers feel bad about their bodies. Over the weekend, some people in London, purportedly from a group called Overweight Haters Ltd., took that to heart:
Why are so many kids with bright prospects killing themselves in Palo Alto?
The air shrieks, and life stops. First, from far away, comes a high whine like angry insects swarming, and then a trampling, like a herd moving through. The kids on their bikes who pass by the Caltrain crossing are eager to get home from school, but they know the drill. Brake. Wait for the train to pass. Five cars, double-decker, tearing past at 50 miles an hour. Too fast to see the faces of the Silicon Valley commuters on board, only a long silver thing with black teeth. A Caltrain coming into a station slows, invites you in. But a Caltrain at a crossing registers more like an ambulance, warning you fiercely out of its way.
The kids wait until the passing train forces a gust you can feel on your skin. The alarms ring and the red lights flash for a few seconds more, just in case. Then the gate lifts up, signaling that it’s safe to cross. All at once life revives: a rush of bikes, skateboards, helmets, backpacks, basketball shorts, boisterous conversation. “Ew, how old is that gum?” “The quiz is next week, dipshit.” On the road, a minivan makes a left a little too fast—nothing ominous, just a mom late for pickup. The air is again still, like it usually is in spring in Palo Alto. A woodpecker does its work nearby. A bee goes in search of jasmine, stinging no one.