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On another thread here on Ricochet, we have been discussing the “Covid notification” software that has been uploaded by government entities onto peoples’ smartphones. Under what authorization is software added to your phone, without your permission or knowledge? What statutes allow the Government to make changes to your phone? Does your phone not really belong […]

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Join Jim and Greg for a very lively Friday podcast! First, they cheer the Supreme Court for telling the 9th Circuit to reconsider a case where churches face tighter restrictions than non-religious gatherings. They also hammer Los Angeles and California as their COVID restrictions even forbid “unnecessary walking” and effectively make people prisoners in their own homes. And they react to Joe Biden’s confusing comments about what would happen if he and Kamala Harris ever have a major disagreement over principle.

Join Jim and Greg as they discuss a new Georgia investigation into efforts to register the dead and other ineligible voters for the January Senate runoffs. They also react to attorney Lin Wood telling Republicans not to vote in the runoffs unless the two GOP senators publicly demand a special session of the legislature to address issues in the presidential race. And they roll their eyes as Los Angeles tells people not to interact with anyone outside their own homes and two more mayors prove themselves to be massive hypocrites on COVID restrictions.

Join Jim and Greg as they discuss Attorney General Bill Barr stating there is not enough evidence of fraud to overturn the presidential election and the very different opinion many Trump supporters now have of Barr. They also cringe as Minneapolis reports a 537 percent rise in carjackings compared to this time last year following this year’s riots and anti-police attitudes from local politicians. And they get a kick out of Barack Obama telling progressives that “catchy slogans” are not the path to political progress.

Contributor Post Created with Sketch. Avoid the Pitfalls of Student Loan Forgiveness

 

One looming issue facing the incoming Biden administration is what to do with the $1.7 trillion in outstanding student loans, mostly held by the federal government. The most recent internal government analysis found that the United States will lose about $400 billion on its current portfolio of $1.37 trillion, a number likely to increase as the government continues to allocate about $100 billion per year in new student loans. Notably, that analysis did not include the roughly $150 billion in loans backed by the federal government but originated by private lenders.

By way of comparison, private lender losses on subprime loans in the residential lending market were about $535 billion during the 2008 crisis. The student loan and subprime mortgage crises share the same root cause: by statutory design, the government wished to expand both markets, such that loans were made with little or no examination of the borrowers’ creditworthiness. The meltdown of the residential home market arose because private lenders relied on the implicit federal loan guarantee. In the end, this practice pushed Fannie Mae and Freddie Mac, the holders of weak mortgages, over the edge, and ultimately resulted in the wipeout of all the private common and preferred shareholders of the two companies.

Fortunately, the absence of private shareholders ensures that the student loan crisis is not likely to generate such chilling collateral consequences. But the problem of borrower defaults will not go away soon, given that the federal government continues to pump billions of dollars each year into student loans. Unfortunately, this constant infusion of new capital into the lending market is causing increases in college tuition that outstrip inflation, imposing additional costs on individuals who do not take out student loans, and raising the overall cost of education above competitive rates.

Contributor Post Created with Sketch. Arizona Voters Pass Billion-Dollar Tax Hike; Lawyers Say ‘Not so Fast’

 

Arizona has been a welcoming environment for voter-led initiatives. If you produced enough signatures, you could get damn near anything on the ballot. The statehouse tightened up the requirements after 2006, which featured 19 propositions — some of which contradicted each other.

This year, there were only two: legalizing weed and hiking taxes on the wealthy for education. (This, after the state increased teacher pay by a whopping 20 percent.) Both measures passed but in Arizona, that just means the lawsuits begin.

First out of the gate is the Goldwater Institute, a limited-government nonprofit with a strong track record of holding tax-and-spenders’ feet to the fire. They’re taking on the education tax hikes … because they are utterly unconstitutional.

There may be no good martinis today but we’re still having a lot of fun! Join Jim and Greg as they groan over Biden’s choice of John Kerry to be a special envoy on climate change and Biden making the progressive climate agenda a major priority. They also tear apart the push for compulsory voting in the U.S. and why not caring about politics should remain one of our cherished rights. And they unload on Pennsylvania for implementing an arbitrary ban on alcohol sales in bars and restaurants on Wednesday.

Join Jim and Greg as they welcome disputed reports that the leaders of Saudi Arabia and Israel met in recent days in hopes that the thaw in Middle East tensions is spreading even farther. As the CEO of Qantas Airlines announces all passengers on international flights will eventually need to be vaccinated against COVID to be allowed on board, Jim and Greg discuss why that’s a difficult policy to enforce and whether people will shut out from society if they refuse. And they discuss the Trump legal team parting ways with Sidney Powell just days after their much-discussed press conference.

Join Jim and Greg as they welcome growing evidence that coronavirus transmission rates are very low in the schools. Jim explains why the Trump campaign’s accusations of massive election fraud don’t seem to hold water. And they shake their heads as Barack Obama reveals why his Middle East peace efforts went nowhere.

Join Jim and Greg as they discuss Senate Democrats unloading on Minority Leader Chuck Schumer over Democrats failing to win several highly targeted seats this year. Is his job safe? They also unload on Joe Biden’s plan to tax gun owners $34 billion and ban some of the most popular rifles and magazines on the market. And they dissect New York Gov. Andrew Cuomo melting down over COVID, schools, and law enforcement officers refusing to endorse his absurd policy on Thanksgiving gatherings.

Join Jim and Greg as they credit Republicans for keeping a treasure trove of opposition research on Raphael Warnock quiet until the Georgia Senate runoff. Now they are highlighting Warnock’s radical statements on many different issues. They also walk through a number of burdensome new COVID restrictions, including Pennsylvania’s requirement to wear masks in your own home if you have guests, and contrast that with politicians like California Gov. Gavin Newsom who don’t think the rules apply to them. And they get a kick out of watching Bernie Sanders supporters become deeply disappointed with Joe Biden as he names corporate figures to most positions in his inner circle.

Join Jim and Greg as they cheer four sheriffs in New York for refusing to investigate whether local residents have more than ten people in their homes for Thanksgiving. They also push back against the push by Democrats to forgive vast amounts of student loan debt and discuss the backlash that would ensue. And they discuss Jim’s new thriller “Hunting Four Horsemen” and how it ties into the threat we’ve all been dealing with this year.

Contributor Post Created with Sketch. An Overambitious Climate Plan for Biden

 

President-elect Joe Biden’s transition team has made it clear that climate change will be a top policy priority for his incoming administration. In crafting its policies, the Biden administration may heavily rely upon a blueprint already created by former Obama administration officials and environmental experts. Known as the Climate 21 Project, the exhaustive transition memo seeks “to hit the ground running and effectively prioritize [Biden’s] climate response from Day One,” after which it hopes to implement major institutional changes within the first hundred days of the Biden presidency. The project’s recommendations involve eleven executive branch agencies, including the Departments of Energy, Interior, and Transportation, as well as the Environmental Protection Agency and the National Oceanic & Atmospheric Administration, all of which are now actively involved in environmental policy. But the breadth of the Project 21 initiative is evident by its inclusion of State, Treasury, and Justice, too.

The project makes a grim assessment of the (unnamed) Trump administration. In speaking of the Environmental Protection Agency, it notes, without identifying any particulars, that it “has experienced a prolonged, systematic assault to disable effective capacities, demoralize its highly expert and dedicated staff, undercut its own legal authorities, and betray the EPA’s core mission to protect human health and the environment.” To reverse these trends, the Climate 21 Project is determined to shift the EPA’s focus “to climate change and clean energy,” an effort centered “around a deep decarbonization strategy.” The memo adds that the Interior Department must directly seize on “climate mitigation opportunities . . . in reducing greenhouse gas emissions from fossil resources owned by the public and tribes, boosting renewable energy production on public lands and waters, [and] enhancing carbon sequestration on public lands.”

The project’s seventeen-person steering committee consists of many Obama administration officials and environmental activists. Its co-chairs are Christy Goldfuss, formerly a managing director at the White House Council of Environmental Quality and now the head of Energy and Environmental Policy at the Center for American Progress, and Tim Profeta, Director of Duke University’s Nicholas Institute for Environmental Policy Solutions. The committee contains no mainstream Republicans or market-oriented economists. Its orientation is captured by the repeated use of the words “crisis” or crises,” which appear fifteen times in its report’s summary alone, usually joined with the word “climate.”

Join Jim and Greg as they welcome victories for Republican candidates in the North Carolina and Alaska Senate races. They also applaud former Secretary of State Jim Baker for blasting pollsters for consistently being wrong and almost always in the same partisan direction. And they welcome a hand recount and audit of the presidential race in Georgia.

Contributor Post Created with Sketch. Religious Liberty Should Prevail

 

This past week in Fulton v. City of Philadelphia, the Supreme Court re-entered the dangerous minefield at the junction of religious liberty and anti-discrimination. The current dispute arose when Philadelphia’s Department of Human Services announced that it would no longer refer children to Catholic Social Services (CSS) for placement in foster care because CSS refused to consider same-sex couples as potential foster parents. CSS was, however, prepared to accept into its foster care all children regardless of their sexual orientation. After prolonged negotiations with the city failed, CSS sued. It seeks, in the words of the Third Circuit, “an order requiring the city to renew their contractual relationship while permitting it to turn away same-sex couples who wish to be foster parents.” The Third Circuit upheld the position of the city.

Resolving this delicate confrontation requires a return to first principles. Let’s start with the First Amendment’s protection of the free exercise of religion, as elaborated in Justice Antonin Scalia’s majority opinion in Employment Division v. Smith. Alfred Leo Smith, a drug guidance counselor, was denied unemployment benefits after being terminated for consuming peyote, a controlled substance, as part of a religious rite. The court held that his religious beliefs do not “excuse him from compliance with an otherwise valid law prohibiting conduct that the state is free to regulate.” The First Amendment did not require Oregon to accommodate Smith’s religious practice. Any neutral law of general applicability was acceptable, notwithstanding its disparate impact.

Notably, the word exercise is broad enough to cover not only Smith’s use of peyote but also CSS’s adoption policies. Accordingly, under no circumstances should Philadelphia be allowed to pass an ordinance that requires the Catholic Church to ordain women as priests, or to offer family aid services paid from its own funds to same-sex couples. The question in Fulton is whether CSS’s free exercise rights are forfeited when the city supplies public funds and matching services to CSS and the children it puts up for foster care.

Join Jim and Greg as they welcome West Virginia Democrat Joe Manchin saying he will not vote to end the filibuster in the U.S. Senate. They also unload on AOC, Jennifer Rubin, Evan McMullin, and other lefties who want to see anyone supporting President Trump’s legal challenges added to lists of people who should be shunned from government, academia, and polite society. And they shudder as the Obamacare architect who thinks people are no longer useful after age 75 is named to Joe Biden’s COVID task force.

Join Jim and Greg as they enjoying watching House Democrats point fingers at each other for doing much worse than expected in Tuesday’s elections. Jim tells Republicans to stop airing their arguments about election crimes or irregularities on social media and cable news and bring evidence to court if there are reasons to investigate the vote counting. And they unload on self-important New York Times columnist Thomas Friedman for suggesting Al Gore “took a bullet for the country” by conceding to George W. Bush in 2000.

Join Jim and Greg as they celebrate Republicans doing much better than expected at the state legislative level just in time for redistricting. They also discuss the ongoing controversies in multiple swing states and how the vote counting is creating a lot of mistrust in the integrity of the vote. And they look at the updated Georgia numbers, which suggest two U.S. Senate races are headed to runoffs and the results could well determine the majority.

Join Jim and Greg as the navigate through the states that are still too close to call in the presidential race and the dueling Trump and Biden campaign pronouncements that they’ve already won. They also discuss Republicans beating expectations in House and Senate races and the decent chance the GOP has to keep a Senate majority. And they unload on the polling industry, which once again did not have a clue, with one notable exception.