The Democrats Are Not Going To Forgive Your Student Loans Anytime Soon

A few days ago, President Trump released his proposed budget, in which he plans to cut $5.6 billion in funding to the Department of Education. It also cuts $170 billion dollars in student loan spending. One of the more controversial proposals is to end the Public Service Loan Forgiveness program where federal student loans would be forgiven tax-free after 10 years of working in a public service position.

Conversely, some of the Democratic presidential candidates are promising to forgive existing student loans totaling $1.6 trillion. Bernie Sanders proposes to wipe out existing student loans completely with no strings attached. Elizabeth Warren’s forgiveness proposal would depend on the debtor’s income, although 95 percent of debtors would be eligible for some form of loan forgiveness.

But can either of these proposals or any wholesale student loan forgiveness plan actually become reality? This might be more complicated than it seems.

Not all voters are friendly to the idea of student loan forgiveness. Some think that forgiveness should only be awarded in extraordinary circumstances. Others believe that student loans should be paid in full regardless of the circumstances. Go to the comments section of any news story on student loan forgiveness and you are likely to see a heated debate from all sides.

From my observations, the issue crosses political ideologies. I have seen a fair number of liberals who don’t believe in student loan forgiveness, as well as a fair number of conservatives who believe that student loans should be forgiven. Would a voter vote against their party on the issue? Democratic strategist and commentator James Carville had this to say about the student loan issue in the upcoming elections:

Here’s another stupid thing: Democrats talking about free college tuition or debt forgiveness. I’m not here to debate the idea. What I can tell you is that people all over this country worked their way through school, sent their kids to school, paid off student loans. They don’t want to hear this s**t. And you saw Warren confronted by an angry voter over this. It’s just not a winning message.

How important is the issue of student loans in the upcoming elections? Unfortunately, that is not clear. A Fivethirtyeight poll showed that education is ranked lower than health care, the economy, gun issues, climate change, and wealth inequality. But a recent Gallup poll indicates that education is a top issue with 33 percent of respondents stating that it is an “extremely important” issue and 83 percent stating that it is an “extremely important and very important” issue. But whether education also covers student loan burdens is also unclear.

In the final analysis, on the issue of loan forgiveness, I think most people will vote based on self-interest. Understandably, those who are burdened with large student loans (in addition to their parents and those who are co-signers) will want forgiveness. They will argue that tuition and living expenses have increased considerably and that there will be an economic stimulus. Those who paid off their student loans are not likely to agree to loan forgives as it devalues their hard work and sacrifice, and they will be partially paying the forgiven debt through their taxes.

Perhaps loan forgiveness will be a serious political issue in a decade or two assuming nothing changes and more people are burdened with larger debts. But for now, even if Bernie Sanders or Elizabeth Warren were to win the presidency, chances are student loan forgiveness will probably not be on the legislative table for a very long time. While more young people are being vocal about their debt burden, it is not clear whether this is a popular issue among all voters. Not only that, the issue is a divisive and heated one since almost everyone has either paid them off, is on track to pay them off or will never pay them off. And every one of them has a personal story of sacrifice or hardship to support their position.


Steven Chung is a tax attorney in Los Angeles, California. He helps people with basic tax planning and resolve tax disputes. He is also sympathetic to people with large student loans. He can be reached via email at sachimalbe@excite.com. Or you can connect with him on Twitter (@stevenchung) and connect with him on LinkedIn.

Federal Court Revives Long-Form Financial Performance Art Of Masa Son

Zimbabwe promotes female entrepreneurs to strengthen pork industry – The Zimbabwean

Zimbabwe’s pig industry is set for a boon as the US$45 million facility availed by the European Union (EU) in June 2019 to upscale subsistence producers to commercial stage is beginning to take shape.

Targeting 1,000 farmers in Mashonaland West and Mashonaland East provinces, the project had by the third week of January this year, attracted 734 farmers, 462 of whom are male and 272 female, indicating a 73 percent progress rate towards farmer enrolment, with women constituting 37 percent of the total.

Set to run for four years, the Zimbabwe Agricultural Growth Programme (ZAGP) was established to address the multitude of challenges currently affecting pig producers in Zimbabwe. These challenges include reliance on inferior breeds, unavailability of funding, high feed and drug costs, persistent droughts, high cost of compliance, lack of skills, insufficient extension services, and policy bottlenecks. The initiative is designed to address these bottlenecks by enhancing production and productivity, easing access to viable markets and improving breeds.

The ZAGP will benefit not only the pork value chain, but also the beef, poultry, dairy and goat sectors. The pig project, alongside goat, is running under the banner, Value Chain Alliance for Livestock Upgrading and Empowerment (VALUE), with international NGO, ActionAid, backing the campaign.

Producers in Zimbabwe face a myriad of challenges every day, including challenges high feed and drug costs and persistent droughtsProducer Kimberley and husband Brian Nyatanga’s farm in Marondera. © Daisy Jeremani

ActionAid team leader for the ZAGP VALUE project, Newton Chari says the initiative will go a long way to addressing the viability challenges that pig farmers are facing and serve as a launch-pad for them to commercialise.

“Given that women play the primary role in small livestock production, they will constitute 60 percent of all the farmers targeted by the project while young men and young women will constitute the remaining 40 percent,” he explains.

Speaking at a media workshop in Bulawayo on 22 January Chari stressed the importance of the right genetics.

“We are looking at improving food conversion ratio so that there is efficiency. You feed less to get more in terms of weight. We are also looking at improved disease management, adaptability and we are also looking at some traits, which are special in terms of the meat quality. We are also looking at good breeds, which can farrow (give birth) more.

“We want to improve commercialisation in the country and this has to be done through the investment, which is also coming into the project. So, we really believe the model works and will improve the sow herd in the country both with improved genetics and organising the farmers themselves because if they are organised they can even import more genetics as well, to support their whole production,” he said.

Pig farming in Zimbabwe is very small with a sow herd just above 20,000 said Chari. He however, expects the EU initiative to help grow the herd.

Since its official launch in June last year, the VALUE project has seen the establishment of pig producer business syndicates (PPBS) in Mashonaland East and Mashonaland West provinces. The PPBS will have business management units that will drive the development of viable pork value chains for the farmers. The two high-rainfall provinces were chosen because they already have high levels of piggery activities. Farmers will also be able to access the required raw materials, especially maize and soya, which are important ingredients in pig feed.

According to Chari, farmers will share 230 breeding stock of Large WhiteLandrace and Duroc – 200 gilts and 30 sows and boar grandparents – which were sourced from one of the world’s leading pig breeding companies, Danbred, in South Africa and were expected in Zimbabwe by the end of January.

The new breeds are expected to be a game changer for the local pork industry as they farrow more. Instead of getting nine to 10 piglets, which is the average with most Zimbabwean breeds, the new animals can farrow between 18 and 20 piglets.

The breeding stock will be raised at two farms Shamiso and Bradford in Mashonaland East and Mashonaland West province respectively. The two farms are designated as the pork value chain integrators under the VALUE project.

The VALUE project pig producer business syndicate farmers will share 230 breeding stock of Large White, Landrace and Duroc pigsThe VALUE project pig producer business syndicate farmers will share 230 breeding stock of Large White, Landrace and Duroc pigs© Daisy Jeremani

One of the young female farmers who was picked to benefit from the VALUE project, Kimberley Nyatanga, said the harsh economic situation in the country is adversely affecting the business that she runs with her husband in Marondera in Mashonaland East Province. Having already survived a difficult economy with no support, Nyatanga is optimistic that the EU facility will drive her business.

She expects the project to improve her business in the areas of breeding stock, market access and better producer prices.

“The consortium will improve business linkages from input and acquisition logistics to marketing and after-sales services,” says Nyatanga.

On the prevailing producer prices in the country, the young farmer said they were not viable as the market structure is dominated by a few wholesalers and retailers who set the prices when buying, thereby creating an oligopoly.

“The situation is actually unforgiving for the farmer because it is not us who determine the price but the market,” she told The Pig Site.

“It will not take into account the production costs involved and in the end you break even, run a loss or get a very negligible profit which might make it difficult to continue producing the product. These prices are mostly unviable and the farmer has no choice but to engage.

“This [EU] programme, as it promises, should be able to bridge the gap by organising farmers and bringing collective effort to attain better prices for their product through collective bargaining agreements led by the business management units of the consortium. It can further facilitate market and product development strategies that may increase pork product uptake and create demand, thus improving prices.”

Kimberley Nyatanga with some of her pigletsKimberley Nyatanga with some of her piglets© ActionAid

Nyatanga and her husband Brian have 12 sows and one boar servicing all their females. They also have 56 piglets, 29 weaners, 96 growers and are expecting a minimum of 50 piglets from their pregnant sows this February. They expect to buy four gilts as well.

“Our breeds are crosses of Danish Landrace, Large White and Duroc. We are currently achieving a farrowing index of 2.45 producing an average of 12 pigs per sow per farrowing,” she said.

Zimbabwe is facing a serious electricity load shedding due to low generation and frequent vandalism of power transmission infrastructure. Recently, a six-kilometre stretch of the power line to Nyatanga’s farm was stolen. She plans to invest in a biogas digester as an alternative energy source to keep her operation going.

She said: “The biogas digester will work to warm up our piglets, making sure that we will not have any losses due to the cold. It will also serve to save our environment as for now we have to resort to firewood to warm them up.

“It will also assist in lighting up our pens during the night for our workers on night shift assisting piglets during feeding. Our workers will also benefit as they will use the energy generated to cook and for lighting. Vaccine storage will be easier as the biogas digester will enable us to run refrigerators. The biogas digester would also save on electricity costs and give us continuous guaranteed availability.”

Responding to questions from The Pig Site at the January 22 press conference in Bulawayo, EU Ambassador to Zimbabwe, Timo Olkkonen was upbeat about the prospects for commercialisation of the pig value chain.

“The ZAGP is a different kind of programme. It is trying to address the commercial side of turning (pig farming) into a vibrant sector that contributes more to the economy,” he said.

Morning Docket: 02.12.20

Roger Stone (Photo by Drew Angerer/Getty Images)

* Prosecutors assigned to the Roger Stone criminal case have resigned amid concerns that the White House “stonewalled” DOJ officials about sentencing recommendations. [The Hill]

* Jussie Smollett is facing new charges over his claims of being assaulted on the streets of Chicago, and his lawyers are crying foul. [Deadline]

* Alan Dershowitz filed claims against David Boies for defamation and other causes of action. [Wall Street Journal]

* Netflix has lost its bid to dismiss a lawsuit about using the “Choose Your Own Adventure”® phrase when promoting a popular movie. See, made sure to use the trademark sign there… [Hollywood Report]

* President Trump has won the dismissal of a lawsuit aimed at forcing the White House to archive communications with Vladimir Putin and other officials. [Washington Post]

* A New York attorney tried to escape a grand larceny investigation by buying a boat in cash and sailing to the Caribbean. She made it as far as New Jersey. [New York Law Journal]


Jordan Rothman is a partner of The Rothman Law Firm, a full-service New York and New Jersey law firm. He is also the founder of Student Debt Diaries, a website discussing how he paid off his student loans. You can reach Jordan through email at jordan@rothmanlawyer.com.

Zimbabwe to deport 21 Ugandans – The Zimbabwean

12.2.2020 6:53

They entered the country through the Victoria Falls border post from Zambia.

A Zimbabwean court has ordered the deportation of 21 Ugandans for entering the country illegally. PHOTO | FILE | NATION MEDIA GROUP

In Summary

  • Prosecutors said the Ugandans evaded immigration officials when they entered Zimbabwe through the Victoria Falls border post from Zambia.

A Zimbabwean court has ordered the deportation of 21 Ugandans for entering the southern African country illegally.

The 21, who include a five-year-old who was in the company of her mother, were arrested on February 8 while travelling to Bulawayo, Zimbabwe’s second largest city.

Prosecutors said the Ugandans evaded immigration officials when they entered Zimbabwe through the Victoria Falls border post from Zambia.

Bulawayo magistrate Tinashe Chishaya sentenced 20 of them to serve three months in prison. The magistrate then suspending the sentence for five years on condition that they do not commit a similar offence within the same period.

Post published in: Featured

Parliament Invites Public to Nominate Candidates for Appointment to the ZMC – The Zimbabwean

ZIMBABWE MEDIA COMMISSION

[10th February 2020]

Parliament Invites Public to Nominate Candidates for Appointment

to the Zimbabwe Media Commission

The Constitution, in section 248, tells us that there is a Zimbabwe Media Commission known as the Zimbabwe Media Commission consisting of:

  1. a)a chairperson appointed by the President after consultation with Parliament’s Committee on Standing Rules and Orders; and
  2. b)eight other members appointed by the President from a list of not fewer than twelve nominees submitted by the same Committee.

In fact, however, the Commission has had neither a chairperson nor any other members since the 31st December 2014, when the terms of office of the previous chairperson and members expired.  The staff of the Commission, including its Chief Executive Officer, Dr T. , have continued to carry out at least some functions of the Commission, such as accrediting journalists.

At long last steps are being taken to remedy this unsatisfactory and unconstitutional state of affairs, probably because the Government’s Bill to operationalise the Commission currently awaiting attention by Parliament: the Zimbabwe Media Commission Bill [link].  A few days ago the Committee on Standing Rules and Orders published advertisements in newspapers calling on the public to nominate persons for its consideration for inclusion on the list of twelve nominees to be submitted to the President.  The full advertisement is set out below, but important points to note are:

  1. a)there is a deadline – nominations must be received at Parliament before end of business hours on Friday 28th February 2020;
  2. b)an official nomination form must be used – this may be obtained from Parliament [details in the advertisement] or can be downloaded from the Veritas website [link].

Parliament’s Advertisement

CALL FOR PUBLIC NOMINATIONS FOR PERSONS TO SERVE ON ZIMBABWE MEDIA COMMISSION

The Committee on Standing Rules and Orders (CSRO) of the Parliament of Zimbabwe is mandated in terms of sections 237 and 258 of the Constitution, to nominate candidates for appointment by His Excellency, the President, to serve as Commissioners on the Zimbabwe Media Commission provided for in Chapter 13 Part 5 of the Constitution.

Vacancies have arisen in the Zimbabwe Media Commission after the expiry of the term of office of the Commissioners.

Accordingly, the Committee on Standing Rules and Orders is hereby calling on the Public to nominate persons to be considered for appointment to this Commission.

The functions of the Commission and the person specifications are given below.

Functions of the Zimbabwe Media Commission (section 248 of the Constitution)

“(1)  The Zimbabwe Media Commission has the following functions —

  1. a)to uphold, promote and develop freedom of the media;
  2. b)to promote and enforce good practices and ethics in the media;
  3. c)to monitor broadcasting in the public interest and, in particular, to ensure fairness and diversity of views broadly representing Zimbabwean society;
  4. d)to encourage the formulation of codes of conduct for persons employed in the media and, where no such code exists, to formulate and enforce one;
  5. e)to receive and consider complaints from the public and, where appropriate, to take action against journalists and other persons employed in the media or broadcasting who are found to have breached any law or any code of conduct applicable to them;
  6. f)to ensure that the people of Zimbabwe have fair and wide access to information;
  7. g)to encourage the use and development of all the officially recognised languages of Zimbabwe;
  8. h)to encourage the adoption of new technology in the media and in the dissemination of information;
  9. i)to promote fair competition and diversity in the media; and
  10. j)to conduct research into issues relating to freedom of the press and of expression, and in that regard to promote reforms in the law.

(2) An Act of Parliament may confer power on the Zimbabwe Media Commission to—

  1. a)conduct investigations and inquiries into¾
  2.         any conduct or circumstance that appears to threaten the freedom of the media; and
  3.         the conduct of the media;

and

  1. b)take or recommend disciplinary action against media practitioners who are found to have breached any law or any code of conduct applicable to them.

(3) An Act of Parliament may provide for the regulation of the media.”

Person Specifications

Members of the Zimbabwe Media Commission must be chosen for—

  1. a)their integrity and;
  2. b)their competence in administration and;
  3. c)their knowledge and understanding of human rights issues and ;
  4. d)their knowledge of the best practices in media matters.

Nomination material must consist of a typewritten submission of no more than two A4 pages long stating why the person nominated is a suitable candidate together with a completed nomination form which can be obtained at Parliament Offices (Counsel to Parliament – 3rd Floor Room 306 or Human Resources – 4th Floor Room 405) or downloaded from the website: www.parlzim.gov.zw

Nominations must be addressed to the Clerk of Parliament in sealed envelopes clearly marked with the name of the Commission. These may be emailed to [email protected], posted, or hand delivered to:

The Clerk of Parliament

Parliament of Zimbabwe

Parliament Building

Cnr. K. Nkrumah Avenue and Third Street

P.O. Box CY 298  Causeway  Harare

Closing date for the submission of nominations is end of business hours on Friday 28th February 2020.

Other Relevant Points for Would-be Candidates and their Nominators

Ineligible persons [Constitution, section 320(3)]

The following persons are not eligible for appointment: members of Parliament, members of provincial or metropolitan councils, members of local authorities [city and town councillors, local board members, rural district councillors] and members of government-controlled entities [board members of parastatals and government-controlled companies].

Commission members to be non-political  [Constitution, section 236]

Commissioners must not, in the exercise of their functions, act in a partisan manner, further the interests of any political party or cause, prejudice the lawful interests of any political party or cause, or violate the fundamental rights or freedoms of any person.

A member of a political party or organisation may be appointed to the Commission, but must without delay and in any event within thirty days of appointment relinquish the membership – failure to relinquish within 30 days means automatic and immediate forfeiture of the appointment.  If a Commission member becomes a member of a political party or organisation, he or she immediately ceases to be a  Commission member.

Term of office and remuneration  [Constitution, section 320)

The term of office is five years, renewable only once.  Remuneration, allowances and other benefits are fixed by or under an Act of Parliament.  The current – and unsatisfactory – Zimbabwe Media Commission Bill states that Commission members, other than the chairperson, must not be full-time, but does not make provision for fixing remuneration or allowances.

What Happens after Parliament Receives Nominations?

Section 237(1) of the Constitution spells out what must happen after the Committee receives nominations.  The procedure is the same for all five Chapter 12 independent commissions.

Once nominations have been received from the public, the Committee will have to conduct public interviews of prospective candidates, prepare a list of at least twelve nominees for appointment, and then submit the list to the President.

The President can choose any eight appointees from the list submitted but his choice is restricted to the persons on the list – and there is no provision allowing the President to request the Committee to compile a fresh list.

In the light of the five-year delay that has already occurred, it seems appropriate to remind all involved that section 324 of the Constitution lays down that all constitutional obligations must be performed diligently and without delay.

Appoint of Commission Chairperson

The procedure for the appointment of the chairperson of the Commission is separate and different.  It is a matter for the President’s discretion but the President’s decision must be made after consultation with the Committee on Standing Rules and Orders. Section 339(2) of the Constitution stipulates how this consultation must be conducted but leaves the final decision to the President, who is not obliged to follow any recommendations made by the Committee.

Veritas makes every effort to ensure reliable information, but cannot take legal responsibility for information supplied.

Post published in: Featured

Open Committee Meetings on Thursday 13th February – The Zimbabwean

PARLIAMENTARY COMMITTEES SERIES 3/2020

[11th February 2020]

Open Committee Meetings on Thursday 13th February

There will be three committee meetings open to the public on Thursday 13th February. 

The meetings will be held in Parliament Building, Harare, on the dates and at the times and venues indicated below. 

Members of the public may attend these meetings – but as observers only, not as participants, i.e. they may observe and listen but not speak. If attending, please use the entrance to Parliament on Kwame Nkrumah Ave between 2nd and 3rd Streets. Please note that IDs must be produced.

The details given in this bulletin are based on the latest information from Parliament. But, as there are sometimes last-minute changes to the meetings schedule, persons wishing to attend should avoid disappointment by checking with the committee clerk that the meeting concerned is still on and open to the public. Parliament’s telephone numbers are Harare 2700181 and 2252940/1.

Reminder: Members of the public, including Zimbabweans in the Diaspora, can at any time send written submissions to Parliamentary committees by email addressed to [email protected] or by letter posted to the Clerk of Parliament, P.O. Box 298, Causeway, Harare or delivered at Parliament’s Kwame Nkrumah Avenue entrance in Harare.

Thursday 13th February at 10.00 am

Portfolio Committee: Youth, Sports and Recreation

Oral evidence from the Ministry of Youth, Sport, Arts and Recreation on the programmes and projects being implemented by the Ministry on youth empowerment.

Venue: Committee Room No.  2.

Portfolio Committee: Industry and Commerce 

Oral evidence from the  Minister of Industry and Commerce on the Community Share Ownership Trusts.

Venue: Committee Room No.  1.

Thematic Committee: Indigenisation and Empowerment

Oral evidence from the  Ministry of Industry and Commerce on the Community Share Ownership Trusts.

Venue: Committee Room No. 3.

 

Veritas makes every effort to ensure reliable information, but cannot take legal responsibility for information supplied.<

Post published in: Featured

Technical Difficulties At The NY Bar — See Also

Robots Aren’t Replacing Court Reporters… Retirement Is Replacing Court Reporters

Court reporters and stenographers are a staple of the legal profession. While they’re usually just extras in the courtroom drama filling lazy afternoons on TNT, in the real world, stenographers are essential contributors to a functioning justice system and they take their skills to arbitrations or depositions as well. They may not all be able to transcribe this quickly, but they take days worth of the nonsense we spout and turn it into a transcript and that’s an epic achievement.

But the occupation is, sadly, thinning out. Court reporters used to be trained at an impressive clip, graduating from schools focused on keeping the legal profession flush with support talent. It’s still not a bad way to earn a paycheck — it’s a specialized skill set that commands solid compensation — but it just isn’t exciting the youth as much as it did in bygone days.

And that’s led to a shortage that will transform into a crisis soon with a retiring population of experienced reporters and very few new graduates replacing them. For a while, court reporters have worried that technology — specifically voice-recognition software — would replace them. It turned out to be the wrong fear.

First of all, court reporters are still going to be necessary in some form or another regardless of the technological advancements on the horizon. There are basically three methods of taking a record: Stenography, a Steno Mask, and High-fidelity audio capture coupled with voice recognition.

What’s a “Steno Mask” you may be asking?

Via YouTube

It looks weird, but it produces solid results:

MR. WILSON: At what time did you return home on the evening of the 28th?
WITNESS: Around, um, uh, 10:30.
MR. WILSON: PM?
WITNESS: Oh, yes, at night.
MR. WILS—- Oh, you think darkness is your ally. But you merely adopted the dark; I was born in it, molded by it. I didn’t see the light until I was already an accredited stenographic professional, by then it was nothing to me but BLINDING!
COURT: Excuse me, Court Reporter… what were you just mumbling?

But all of these methods, still require a human being. The stenographic transcript for obvious reasons. The mask needs someone to look ridiculous for our benefit. And even audio capture requires an officer to make annotations, correct spellings, deal with proper nouns, and enter exhibits.

Last week at the Legalweek 20 show, I sat down with the folks from Veritext Legal Solutions to discuss the world of reporting and learned that they see the profession as changing but still critically important. But everyone needs to be aware of the tools that will drive this profession going forward. “The key is awareness and adoption,” CTO Tony Donofrio told me.

It’s not like court reporting isn’t a technology driven occupation now. Just because it’s over 100 years old doesn’t mean it’s not tech. While the profession is currently declining in numbers, it’s not as though alrternative technologies are responsible. Videographers have been around for years and haven’t killed off the profession generally. There still needs to be a trained individual acting as an officiant to capture and facilitate the proceedings.

Streaming internet may be killing broadcast television, but it’s not killing television production. The actors, writers, and producers just moved to Netflix. The future aspiring court officers need to understand that the limited part of the job that included understanding quirky typing will be replaced by managing a complex system of microphones and digital capture. The rest of the job stays the same.

Most importantly, Veritext stressed that people need to understand that human court reporters are important. AI and text processing can’t fully replace the human touch today even if that were all there was to the job of court reporting. As human court reporters retire, we need more people entering the profession with an open mind and willing to learn the new tools replacing the stenographic typewriter.

An open mind… and maybe a willingness to wear a muzzle. Now that’s something technology can happily replace.

Earlier: The Fastest Court Reporter In The World
Court Reporter Causes Chaos By Repeatedly Writing ‘I Hate My Job’ On Trial Transcripts


HeadshotJoe Patrice is a senior editor at Above the Law and co-host of Thinking Like A Lawyer. Feel free to email any tips, questions, or comments. Follow him on Twitter if you’re interested in law, politics, and a healthy dose of college sports news. Joe also serves as a Managing Director at RPN Executive Search.