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Impeachment: US judge delivers double blow to Trump

Sunday, 27 October 2019 15:58 Written by

A U.S. judge on Friday validated the legality of the Democratic-led impeachment inquiry against President Donald Trump and ordered his administration to hand over an unredacted copy of former special counsel Robert Mueller’s report detailing Russian meddling in the 2016 election.

U.S. District Judge Beryl Howell, handing a major victory to the Democratic-led House of Representatives, undercut an argument that Trump’s fellow Republicans have made in attacking the impeachment inquiry. The judge said the House need not approve a resolution formally initiating the effort.

The U.S. Constitution gives the House wide latitude in handling impeachment. Democrats began the inquiry without putting such a resolution to a vote.

The judge gave the Justice Department until next Wednesday to provide the blacked out material from the Mueller report that was subpoenaed by the House Judiciary Committee.

“The reality is that DOJ and the White House have been openly stonewalling the House’s efforts to get information by subpoena and by agreement, and the White House has flatly stated that the Administration will not cooperate with congressional requests for information,” the judge wrote, using an acronym for the Justice Department.

The department had argued that the redacted information could not be disclosed because it contained material from grand jury proceedings that was required to be kept secret, but the judge strongly disagreed.

“DOJ is wrong,” Howell said, adding that the committee’s need for disclosure of the materials “is greater than the need for continued secrecy.”

“Impeachment based on anything less than all relevant evidence would compromise the public’s faith in the process,” added Howell, a former federal prosecutor appointed to the bench by Trump’s Democratic predecessor Barack Obama.

Howell also ruled that the House has undertaken a legal and legitimate impeachment inquiry and criticized efforts by the Justice Department and the committee’s ranking Republican Doug Collins to argue that Democrats had not met the legal threshold.

“Blocking access to evidence collected by a grand jury relevant to an impeachment inquiry, as DOJ urges, undermines the House’s ability to carry out its constitutional responsibility with due diligence,” the judge added.

The Democrats sought access to the redacted materials as part of their effort to build a case for removing Trump from office.

The committee, Howell ruled, “has presented sufficient evidence that its investigation has the preliminary purpose of determining whether to recommend articles (of) impeachment,” referring to formal charges that the House could approve that would trigger a trial in the Senate on whether to remove Trump from office.

A Republican resolution introduced in the Senate on Thursday criticized the process that House Democrats are using in the impeachment inquiry. It argued that a resolution is needed to initiate such an inquiry. The judge disagreed.

“Even in cases of presidential impeachment, a House resolution has never, in fact, been required to begin an impeachment inquiry,” the judge wrote.

‘THOUGHTFUL RULING’
Democrat Jerrold Nadler, the panel’s chairman, lauded the ruling.

“The court’s thoughtful ruling recognizes that our impeachment inquiry fully comports with the Constitution and thoroughly rejects the spurious White House claims to the contrary,” Nadler said.

Kerri Kupec, a Justice Department spokeswoman, said the department is reviewing the decision.

Mueller submitted his report to U.S. Attorney General William Barr in March after completing a 22-month investigation that detailed Russia’s campaign of hacking and propaganda to boost Trump’s candidacy in the 2016 election as well as extensive contacts between the Trump campaign and Moscow.

But when Barr, a Trump appointee who Democrats have accused of trying to protect Trump politically, made the 448-page report public the following month, some parts were blacked out, or redacted.

Baltimore man killed by white neighbour after court denies him protective order

Sunday, 13 October 2019 13:46 Written by

Friends and family in Baltimore are mourning the death of Tyrique Hudson, a 22-year-old software engineer who was gunned down by his white neighbour while leaving for work this month.

Hudson, who had just earned a computer science degree at North Carolina A&T University, had moved to his apartment complex outside of Baltimore to start his software engineer job at Northrop Grumman.

The 22-year-old had tried to obtain a protective order against his 53-year-old white neighbour this February after the two had a confrontation, but a judge denied his request on claims that he did not provide enough proof, CBS Baltimore reported.

On April 15, Hudson was shot and killed in front of two witnesses in the stairwell of the complex while leaving for work. The neighbour, 53-year-old James Verombeck, has been charged with first-degree murder.

Hudson’s family are currently seeking answers to the death of their son, which has made headlines. His mother, Tonya Burch, said the 22-year-old had begun a promising career and had just found a new apartment to move into when the incident happened.

“He was getting his mind set to move because he was fearful,” Burch said.
“He’s never had any confrontations or any fights.

“Nobody has ever had to come say, ‘Oh your son did this to me or your son did that to me.’ He was just overall a very gifted, unique child.”

After the shooting, the suspect, who reportedly suffers from schizophrenia, locked himself inside his apartment for 10 hours until a SWAT team broke down the door and detained him, reported the Capital Gazette.

In his request for legal protection this February, Hudson described his first encounter with Verombeck. He said around 10 a.m. February 16, he was taking his trash out and stepped into the hallway, where he was met by Verombeck.

“You knew this day was coming,” Verombeck told him, according to Hudson’s account as reported by the Sun. “You know what you did.”

Verombeck then drew his hands across his neck, making a “throat-slitting gesture,” Hudson said.

Hudson subsequently proceeded to court, where Verombeck told the judge, Devy Patterson Russell that he believed Hudson was videotaping him in his home.

“He’s not recording you,” Russell told him. “He’s not videotaping you, OK? He’s not watching what you are doing. Do you understand?”

When Hudson tried to get a court order barring Verombeck from making physical or verbal contact, Judge Russell denied his request, saying that what he is asking for required a pattern of behaviour instead of a single incident.

Many have since criticized Russell for denying Hudson’s request for a protective order. At the moment, she has been temporarily reassigned while the Maryland Court of Appeals decides if she will be suspended, CBS Baltimore reported.

“I feel like they’ve failed my son,” Burch told CBS Baltimore. “They failed me. He had a bright and promising future.”

“I am tired, we are tired of our young men and women falling to the hands of those who turn to gun violence,” Apostle Larry Lee Thomas, Sr., president of the United Black Clergy and pastor of Empowering Believers Church of the Apostolic Faith, told residents who attended Hudson’s vigil earlier this week.

Hudson’s family have, meanwhile, begun preparations towards his funeral which will be held Saturday, April 27.

Is the United States on the brink of a revolution?

Friday, 11 October 2019 12:54 Written by

Participants in the Women’s March gather near the Lincoln Memorial in Washington in January 2018. (AP Photo/Cliff Owen)

Serbulent Turan, University of British Columbia

Political scientists have historically been bad at foreseeing the most important developments. Few of us guessed the end of the Cold War; almost no one saw the Arab Spring coming.

In defence of my discipline, there is a reason for that.

Before a momentous event occurs, there are numerous possibilities and different ways events can unfold. After it happens, however, it will appear inevitable. And after it happens, we will be very good at explaining why it had to happen.

Very few of us are now predicting the socio-political situation in the United States, which now features an impeachment probe into President Donald Trump, will lead to an uprising.

But after years of teaching on protests, uprisings and revolutions, it seems to me the U.S. is currently showing all the signs political scientists and historians would identify in retrospect as conducive to a revolutionary uprising.

What brings about a revolution?

Of course, every revolution is unique and comparisons between them do not always yield useful insights. But there are a few criteria we identify in hindsight that are usually present in revolutionary explosions.

First, there’s tremendous economic inequality.

Second, there’s a deep conviction that the ruling classes serve only themselves at the expense of everyone else, undermining the belief that these inequalities will ever be addressed by the political elite.

Third, and somewhat in response to these, there is the rise of political alternatives that were barely acceptable in the margins of society before.

A demonstrator holds up an anti-Donald Trump sign during a March for Our Lives protest for gun legislation in Cincinnati in March 2018. (AP Photo/John Minchillo)

Combined, these factors create a deeply felt and widely shared sense of injustice, an almost palpable conviction that the system is not working for the majority and only for the very few who abuse their positions of privilege. These qualities weaken any regime’s claim to legitimacy.

But they’re not solely sufficient. The indispensable ingredient of a political revolution is the mental revolution that happens before: personal convictions that the system is no longer working and needs to be replaced.

The coming of a revolution

Before most major revolutions, there’s a substantial increase in the number of protests. Populations display their displeasure and voice their grievances via marches, petitions and protests.

If their concerns remain unaddressed, these protests become more extreme: petitions become strikes, marches become violent uprisings. Resistance becomes a daily fact of life and political organization commonplace.

Once the population is convinced that the system is not working, and their grievances will remain unheard, then almost anything can set off a political explosion.

It could be a historic development like the Lutheran Reformation that triggered the great Peasant Uprising of 1525, or the Great War that fuelled the 1917 Russian revolution.

But it could also be a relatively mundane, common event like the taxation conflict that led to the English Civil War in 1640s, or a famine in France in 1788. In the Arab Spring, it was a fishmonger’s anger with the corrupt police.

Really? A revolution in the U.S.?

The United States is displaying all of the above characteristics. The country is experiencing tremendous levels of economic inequality that’s worsening according to every meaningful measurement.

The New York Times writes about the “broken economy,” The Atlantic notes the “toxic class divide” that is “fast becoming unbridgeable,” and the Intelligencer calls recent data released by the Federal Reserve “a damning indictment of capitalism.”

Compared to the previous decade, Americans are working much more for much less pay, and they’re paying substantially more for their basic necessities. Even Fox News is having a hard time spinning the fact the more Americans than ever need to hold multiple jobs, a full-time job and part-time employment on top of that, just to make ends meet.

While the devastation visited upon the working class by the 2008 recession is far from remedied, economists are already forecasting a new recession.

These would be troubling signs in a country where trust in political authority is strong. In the U.S., that’s not the case.

There has been a substantial loss of faith in the political authority. Trust in the political system is at an all-time low, and Americans also seem to have lost faith in politicians, even the rare few they believe mean well.

Biggest protests

Meanwhile, the last few years have seen the largest protests in the country’s history. And few of the issues that have spurred the protests, from Occupy Wall Street to the Women’s March and March For Our Lives, have been addressed. In fact, the situations that gave rise to them have either continued or worsened.

Demonstrators hold up signs in downtown Orlando, Fla., as a part of the nationwide protest against gun violence across the U.S. in March 2018. Large rallies with crowds estimated in the tens of thousands unfolded across the country. (Joe Burbank /Orlando Sentinel via AP)

Law enforcement, for decades plagued with justified accusations of systemic racism, is for the first time experiencing difficulties hiring and retaining new officers.

And the gap between law enforcement and the people goes beyond just a lack of trust — there is now a diminishing faith in the ability and neutrality of law enforcement agencies.

When that happens, people start arming themselves explicitly against the state. All the while, the U.S. Immigration and Customs Enforcement agency is building facilities to train its officers for urban warfare.

In response to the crises, political movements that would have been unimaginable a decade ago are rapidly, and rather visibly, rising.

Fascism on display

Though the U.S. system was never free of its racist and colonial roots, the last time fascism has been this prominent in the country was the brief period before the Second World War.

But this time, it’s the government condoning fascist marches and openly deliberating whether anti-fascism is terrorism.

 

It’s accompanied by a general sense of alienation from and revulsion with capitalism by Americans.

Indeed, two of the leading contenders for the Democratic presidential nomination, Elizabeth Warren and Bernie Sanders, have built their campaigns on the failures of capitalism, the servitude of Washington to the rich and the powerful and the promise of structural change.

CBS.

Could a U.S. revolution be a good thing?

No. Revolutions are never good things to live through; they bring conflict and war, pain, suffering and hunger, and plunge the country into political instability for decades.

But also: Yes.

Almost all political rights citizens enjoy and all the protections they have from the arbitrary use of political authority are results of past revolutions.

And sometimes political systems remain so far behind political consciousness that revolutions become the only way to catch up.

In places with longstanding political culture and institutions, where organized political movements engage in politics without using weapons, revolutions can be relatively better-controlled without spiralling into total chaos.

Tunisia, for example, emerged from the Arab Spring and its political revolution unscathed. It was also the only Arab Spring country with longstanding political institutions that took charge of the process. Those four institutions later received the Nobel Peace Prize for protecting the country from absolute chaos.

In the U.S., it’s clear the system is not working for the good of all. There are still numerous possibilities and different ways events can unfold. But unless these systemic failures are addressed soon, political scientists of the future will be explaining how a societal explosion in the U.S. became inevitable.

 

[You’re smart and curious about the world. So are The Conversation’s authors and editors. You can read us daily by subscribing to our newsletter. ]The Conversation

Serbulent Turan, Instructor in Political Science & Public Scholarship Coordinator, University of British Columbia

This article is republished from The Conversation under a Creative Commons license. Read the original article.

The latest medical assistance in dying decision needs to be appealed: Here's why

Thursday, 10 October 2019 06:19 Written by

Jean Truchon, right, looks on as lawyer Jean-Pierre Menard gives their reaction to a Québec judge overturning parts of provincial and federal laws on medically assisted dying on September 12, 2019. THE CANADIAN PRESS/Graham Hughes

Trudo Lemmens, University of Toronto and Laverne Jacobs, University of Windsor

The federal and Québec governments appear reluctant to appeal what’s known as the Truchon decision, which invalidated Canada’s “reasonable foreseeable death” and “end of life” access criteria for medical assistance in dying.

The case was brought by Nicole Gladu and Jean Truchon, two Québec residents who each have physical disabilities that severely restrict their ability to complete daily tasks, remove or reduce significantly their mobility and cause intolerable pain. After being deemed ineligible to receive medical assistance in dying (MAID) because they were not at the end-of-life stage, they went to court to challenge the federal and Québec laws.

In response, the Québec Superior Court struck down the law’s requirement that people can only receive medical assistance to end their lives when death is reasonably foreseeable. Justice Christine Baudouin ruled that the law violated the right to life, liberty and security of the person, and discriminated against people with disabilities who aren’t near death.

Some health professional organizations in Québec have urged the federal and provincial government not to appeal the decision. We disagree. We feel strongly that they should appeal.

And here is why: The ruling raises important questions about the application of the Canadian Charter of Rights and Freedoms that require clarification. The court’s ruling undermines Parliament’s power to issue broad legislation aimed at protecting the rights and interests of people who are elderly, ill or disabled, and at preventing suicide. We also believe the use of some of the evidence in the decision raises concerns about its reasonableness.

The value and quality of a life

First, Justice Baudouin rejected two explicitly stated goals of the federal medically assisted dying law: the confirmation of the inherent and equal value of every person’s life, combined with the prevention of negative perceptions of the quality of life of persons who are elderly, ill or disabled; and the prevention of suicide.

Nicole Gladu, who is incurably ill, filed an action in Québec Superior Court with Jean Truchon, arguing the eligibility requirements for physician-assisted death are too restrictive and violate their rights to the procedure. THE CANADIAN PRESS/Paul Chiasson

As a result, she failed to evaluate whether the broader societal impact of an expansive MAID regime could justify the current restriction to end-of-life. Parliament explicitly introduced this restriction to balance the autonomy of people requesting physician-assisted deaths with the need to protect the interests of vulnerable people, as well as the broader societal interests of avoiding negative perceptions and preventing suicide.

Baudouin only ruled on whether the restriction is necessary to protect vulnerable people from being induced to end their lives. She concluded that as not all people with disabilities are vulnerable, existing medically assisted death practices will suffice to offer that protection.

By focusing only on the need to protect vulnerable people, she did not sufficiently consider the more complex evidence related to negative perceptions of the quality of life of people who are elderly, ill or disabled, or the challenges related to suicide prevention.

Disabled lives are worth living

The disability community has long expressed concern about how laws and policies reflect views that disabled lives as not worth living. These laws can result in practices that undermine the rights and well-being of people with disabilities and may influence how people think about disabled lives and what health-care choices they should have.

There are historical precedents for this concern: policies portraying disabled lives as not worth living were prevalent during the eugenics movement in the 20th century. In Canada, manifestations of the eugenics movement can be seen in the sexual sterilization laws designed to prevent people with disabilities from reproducing.

Even more recently, concerns have been expressed that gene editing casts a similar negative light on the existence of people with disabilities.

Activist Alice Wong speaks on ‘Resisting Abelism: Disabled People and Human Gene Editing’

There are also concerns, fuelled by developments in the few countries that provide access to MAID outside the end-of-life context, that being elderly and fragile is increasingly accepted as a reason for a physician-assisted death and that this may create subtle pressure. A recent analysis of Dutch assisted dying cases of patients with intellectual disabilities and autism suggested that physicians’ value judgments and prejudices may have influenced how they evaluated their requests.

By rejecting the broader goals of the law, the court failed to fully evaluate why people with disabling health conditions make their decisions. This includes the way in which law, funding policies, social-support mechanisms, access to alternative treatments and societal and personal perceptions interact.

These longer term and broader concerns, as well as the impact on suicide prevention, were not taken seriously enough by the Québec Superior Court in its proportionality assessment under Section 1 of the Charter. They should have been.

An irreversible, life-ending act

A related problem underlies discrimination concerns. Baudouin invoked two reasons why the restriction to end-of-life is discriminatory: one is that it makes a distinction based on whether or not people’s health or disability brings them on a trajectory towards the end of their life. The second is that it distinguishes between people with disabilities who are at the end of their lives and those who are not. Both may be incapable of ending their own lives when they are suffering unbearably, yet only those at the end of life are being offered medically assisted deaths.

Baudouin is not the first to look at the law from the perspective of discrimination. But no majority of the Supreme Court has ever done so before, and perhaps for a reason.

We’re dealing with a criminal law-based limit on when health professionals can perform a radical life-ending procedure. To conclude that a policy limiting it to the end-of-life is discriminatory, it seems essential to look at all the evidence and arguments in support of this restriction.

 

By limiting the goals of the legislation, Baudouin failed to look at the delicate balance between providing access to medically assisted dying, protecting people against premature death and preventing stereotypes about the value of a life with disabilities, and in the context of a practice that raises unique challenges.

Unlike other claims of discrimination, this is not about claims of access to an unconditional good such as essential medicines, or high-quality supportive care, or accommodation to empower people with disabilities. We are dealing with an irreversible, life-ending act.

While death may seem desirable in some circumstances, there are unique concerns about the impact of MAID, precisely on those who are already disadvantaged.

Inhumane treatment in long-term care

More explicitly, while the MAID law indeed requires consent, these irreversible choices about ending a life are made in a complex social, cultural and health-care context, where lack of access to adequate care, lack of social support and overall ableist stigma have an impact on the choices people with disabilities may have.

Under the existing regime, we already see troubling examples of how a lack of good health care and support may push people towards a medically assisted death. For example, in British Columbia, Sean Tagert struggled to pay for 24-hour care at home until he eventually gave up in frustration and chose a medically assisted death.

 

Similarly, in Montréal, Archie Rolland, a landscape architect, decided to end his life instead of continuing to suffer at a long-term care facility that he said was treating him inhumanely.

The law’s end-of-life criterion should create the necessary space to prioritize substantive support for people with disabilities. We need more complex discussions around support for the rights to life of people with disabilities, including those in palliative care, not a reduction of the opportunities for this support by expanding access to physician-assisted deaths.

The judge’s analysis of the evidence

There are also reasons why an appeal court should review the reasonableness of the court’s use of evidence.

The relevance of much of the evidence (for example from suicide experts and disability studies experts) was already undermined by the court’s restriction of the goals of the law. But even in the assessment of directly relevant evidence — for example in determining capacity and distinguishing MAID from suicide in the context of mental illness — Baudouin too easily brushed aside the government’s experts as having only theoretical knowledge and being prejudiced.

They included leading psychiatric experts, including one with unique expertise on capacity assessments in the few jurisdictions that allow medically assisted death for mental health reasons, who had published several analyses on the topic in peer-reviewed literature.

In contrast, Baudouin appeared to take at face value two experts for the plaintiffs who currently conduct medically assisted death assessments in Canada’s system, but who have not done so in relation to mental illness.

It would send a terrible signal if both the federal and Québec governments concede that one judge can curtail Parliament’s power to promote broader societal interests in protecting people who are elderly, ill or disabled.

Given that we are currently in an election period, and that it will take time before a new government is put in place, it seems particularly important to create the time and space for careful assessment of our options in this complex area of policy-making.

In the interests of society, the attorneys general in both Québec and in Ottawa need to appeal this case.

 

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Trudo Lemmens, Professor of Health Law and Policy, University of Toronto and Laverne Jacobs, Associate Dean, Research & Graduate Studies and Associate Professor, Faculty of Law, University of Windsor

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Nigerian lady, Jumoke Ayedun arrested for duping an elderly woman in U.S.

Thursday, 10 October 2019 04:05 Written by

A Nigerian woman identified as Jumoke Monsurat Ayedun has been arrested in New Jersey, United States after she scammed an elderly woman of $17,000. 

Using the old 419 trick, Ayedun had told the woman, who later became her victim, that the victim was eligible for a grant of $75,000 from the United Nations Democracy Fund Program. The Smith County Sheriff’s Office said the victim, based in Smith County, Texas sent Ayedun $17,000 in total, to access the $75,000 from a fake UN Fund.  

The victim later talked to a family member, who told her it was a scam. The police waded in.  According to the sheriff’s office, the victim told officials a person using a fake Facebook contacted her saying they were a family member.  

The victim began to talk to the scammer after seeing a picture of another family member of the victim. The Smith County Sheriff’s Office began to investigate the case and tracked down the suspect through the bank account number used by the suspect during the transactions.  

Investigator John Partlow determined the suspect as 29-year-old Jumoke Monsurat Ayedun, a Nigerian living in New Jersey on a visa. Partlow obtained a passport picture of Ayedun and determined she was the same person as the suspect seen on an ATM video removing money from the account. Parlow also determined Ayedun had been receiving payments into her account from various sources such as Venmo, Zellepay and personal checks.  

Partlow helped to freeze Ayedun’s account to possibly make money available to the victim.  A warrant for Ayedun’s arrest was issued in September. Her bond was set at $1 million. Ayedun was arrested Monday, October 7th by police in Teaneck, New Jersey. She is currently in the Bergen County Jail awaiting extradition.

Vital Signs: yes, house prices will rise with lower interest rates, but that's not the only effect

Wednesday, 09 October 2019 00:54 Written by

With the Reserve Bank of Australia cutting official rates to 0.75% on Tuesday, has been a wave of commentary about the move doing little to help the economy apart from boosting housing prices.


Read more: 0.75% is a record low, but don't think for a second the Reserve Bank has finished cutting the cash rate


There are two parts to assessing this claim. First, do rate cuts drive up property prices? Second, is that all they do?

Do rate cuts drive up property prices?

Economists have a precise answer to this question, and also a more practical one.

The precise answer is that all assets – stocks, bonds, property, stamps, vintage baseball cards, you name it – can be priced using what is known as the stochastic discount factor (SDF).

This says that in pricing an asset you should factor in all the future cash flows the asset will generate (rent or dividends or capital gains) and then translate those returns into today’s money, adjusting for the riskiness of those cash flows.

An easier way to think about how rate cuts might affect property prices – consistent with the asset-pricing approach – goes like this.

People look at how much money they can borrow based on what they can afford to pay back. An interest rate cut boosts their borrowing power.

Even though the major banks have only passed on about half of the Reserve Bank’s latest cut (owner-occupied mortgage rates have been cut by 13-15 basis points), that’s enough to give a household with income of $150,000 about another $12,000 to $14,000 in borrowing power.


Read more: Vital Signs: APRA is going to make it easier to borrow. It could be another one of its bad calls


They thus spend more and, because there is a limited supply of properties, this pushes prices up. So, yes, lower interest rates do tend to boost property prices.

Is that all rate cuts do?

But boosting property prices is not all that rate cuts do.

Higher prices for new dwellings help developers. They often lead to an increase in construction jobs as developers anticipate better conditions for selling properties. New property construction has a number of other effects, too, such as changing the average quality of the rental stock and spurring more retail spending (because those new homes need to be furnished).

Perhaps even more important is the pseudo-psychological effect of existing home owners feeling wealthier when house prices go up. This can lead to increased consumer spending – and this can have a big economic effect, given consumer spending accounts for about 60% of GDP.


Read more: Why falling house prices do less to improve affordability than you might think


This “wealth effect”, rational or not, seems to be real. It is part of the reason the Reserve Bank’s governnor, Philip Lowe, appeared to be concerned about Sydney and Melbourne house prices falling in the past couple of years. It is also why federal treasurer Josh Frydenberg is happy to see property prices again on the rise.

Finally, lower interest rates do make business investment cheaper.

Would corporate tax cuts provide a bigger boost to investment? You bet. Are there diminishing returns to rate cuts as the cash rate approaches zero? That’s very likely to be the case.

But would businesses invest more if rates were two percentage points higher? No way. And would business like rates to be higher? I seriously doubt it.

Rate cuts do something to drive down unemployment, drive up consumer prices, and boost investment generally.

Are rate-cut driven prices increases bad?

But they certainly do also drive up residential property prices.

The important question is whether that’s bad or not. The answer to this question is a little murkier.

Let’s start with the fact borrowers should be thinking about how much to borrow.

If they borrow too much and are unable to repay their loans, that’s very bad news for them. Defaulting on a mortgage is a wrenching experience. Most people try hard to avoid that.

That said, sometimes people make poor choices through lack of information, lack of thought or lack of willpower. Occasionally an unscrupulous third party will encourage them to borrow more than they should.


Read more: Cutting interest rates is just the start. It's about to become much, much easier to borrow


But it’s not in the interest of banks to make too many loans that don’t get repaid. If borrowers are the first line of defence again bad price increases, lenders are the second line of defence.

There is a third line of defence: prudential regulation. The Australian Prudential Regulation Authority and the Australian Securities and Investments Commission are charged with enforcing “responsible lending laws” and ensuring the animal spirits and (sometimes) bad incentives of borrowers and lenders don’t get out of control.

So property prices increasing a few percent on the back of the rate cuts is unlikely to be problem – though as the Reserve Bank governor is fond of saying, “time will tell”.

Richard Holden, Professor of Economics, UNSW

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Man Robs Bank, One Day Before Wedding To Pay For His Fiancee's Ring And The Venue (Photo)

Wednesday, 09 October 2019 00:38 Written by
Heath Bumpous
Heath Bumpous
 
 
 
In what will come across as a shocking development, a man has robbed a bank just one day before his wedding.
 
According to a report by CNN, a Texas man is accused of robbing a bank because he couldn't pay for his wedding.
 
Heath Bumpous turned himself in on Friday, about two hours after he robbed the Citizens State Bank in Groveton, Texas -- and a day before he was set to get married, according to Trinity County Sheriff Woody Wallace. The bank is only about 500 feet away from the sheriff's office in the small town north of Houston.
"He basically stated that he was getting married tomorrow so he didn't have enough money for a wedding ring that he wanted to buy and he needed to pay for the wedding venue," Wallace said in a video message posted Friday on Facebook.

Wallace said that Bumpous went into the bank and "demanded money and indicated that he had a weapon."
 
He was able to get away with an undisclosed amount of money, Wallace said.
 
The sheriff's office posted pictures from the bank's surveillance video and a description of his vehicle on social media to see if the public could identify the suspect.
 
Someone did -- his fiancee.
 
She recognized him from the images and convinced him to surrender in nearby Houston County, where they live, Wallace said.
 
He is being held on charges of aggravated robbery. CNN was unable to contact Bumpous and county officials did not know on Monday morning if he had an attorney.
 
Wallace said Bumpous confessed to the robbery during questioning.
 
Authorities were able to recover most of the money and found a gun while processing the car, Wallace said. They also found clothes that he had thrown out of his car while making his getaway.

CNN affiliate KTRE reported that Bumpous is a former EMS employee from Crockett, Texas.
 
The Groveton Independent School District issued a "Lock Out" after the robbery and would not let anyone in or out of school buildings until authorities determined it was safe, according to a Nixle alert issued by the sheriff's office.

Abortion in Canada: The election debates, the law and the reality

Sunday, 06 October 2019 22:04 Written by

Protestors on Parliament Hill in Ottawa, May 9, 2019. THE CANADIAN PRESS/Sean Kilpatrick

Martha Paynter, Dalhousie University

This federal election season, abortion is undeniably a campaign issue, with media coverage routinely suggesting abortion rights are tenuous or up for debate.

Conservative Leader Andrew Scheer has declared that he is “personally pro-life,” while insisting that his cabinet will not “reopen the issue.” This does, however, leave the door open for individual MPs to put forward anti-abortion private member bills.

Conservative leader Andrew Scheer made a personal pro-life declaration during his morning address at a volunteer fire department in Upper Kingsclear, N.B., October 3, 2019. THE CANADIAN PRESS/Jonathan Hayward

At an NDP town hall on health care in Halifax, NDP Leader Jagmeet Singh criticized abortion access as “abysmal” and vowed to enforce the Canada Health Act to improve it.

Green Party Leader Elizabeth May continues to argue that a

As a registered nurse who provides abortion care, and as a researcher of abortion access, I worry these news stories create confusion about the reality and legality of access in Canada. Furthermore, news of anti-abortion legislation in the United States seeps north and clouds understanding of our needs and concerns.

The medical abortion pill

In Canada, abortion is unrestricted by criminal law and protected by Constitutional rights to security of the person and protection from sex and gender discrimination.

It is a health service governed by the rules health professional organizations create for self-regulation. Abortion is common. There are around 100,000 abortions annually in Canada and one in three Canadian women will seek an abortion in their lifetime.

Abortion is safe for patients, and most abortion providers in Canada feel safe providing it. The vast majority of procedures take place in the first trimester. Abortion is publicly insured and in the majority of cases is free for the patient.

In 2015, Health Canada approved Mifegymiso, the medical abortion pill. It has been available since 2017 and is effective for use up to nine weeks gestation. Mifegymiso is also publicly insured by all the provinces and territories.

 

Mifegymiso actually comprises two medications: mifepristone and misoprostol, taken over the course of 24 hours. A week after taking Mifegymiso, patients repeat their blood work. A large decrease in the pregnancy hormone beta HCG confirms a successful pregnancy termination.

Just as some spontaneous miscarriages may need further care, in a small portion of cases, a surgical procedure may be required to complete a medical abortion. Although providers are not required to take specialized training to prescribe Mifegymiso, comprehensive training is easily available.

Lack of ultrasound availability should also not be a barrier, although ultrasound remains valuable for dating a pregnancy and to rule out ectopic pregnancy.

Persistent inequities across Canada

The greatest practical barrier to abortion in Canada is geographic: there are too few providers living in too few places. Surveys of abortion providers here have found most live in large urban centres.

The introduction of Mifegymiso could change this. All physicians and nurse practitioners could prescribe Mifegymiso (there are exceptions in Québec). In theory, every primary care office in the country could be providing this care. This means abortion is potentially more accessible in Canada than in any other country in the world.

One in three Canadian women will seek an abortion in their lifetime. (Shutterstock)

But for now, there is stigma and misinformation to contend with. A few persistent inequities complicate matters, making the access landscape seem unintelligible or mystical. For example, New Brunswick does not insure surgical procedures in a clinic outside of hospital. Ontario will not pay for Mifegymiso if you are living outside the province or if you are a non-Ontario resident. Québec will not allow nurse practitioners to prescribe Mifegymiso.

Unlike in the United States, in Canada, nurse practitioners can carry out medical abortion, but not surgical.

Public education is critical

We need to retire all mention of abortion debates and focus on achieving clarity, and universality. The Canada Health Act requires it.

Aligning irregular policies across Canada is the first obvious step. The next is simplifying the path to access by enhancing self-referral processes and reducing wait times for primary care and ultrasound. Expanding the scope of practice of nurse practitioners and midwives to provide both surgical and medical abortion could boost the number of providers.

Most important, however, is increasing factual education about abortion. The public need to know what abortion is and how to get one. Health-care students and professionals need to learn how to include abortion in their practice and how to swiftly and easily refer a patient to the care they need.

Finally, abortion needs to be understood as critical but inadequate for reproductive health. Menstrual health, consent, contraception, trans health services and reproductive mental health all need to make it onto the news, the party platforms and the agenda for our next government.

 

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Martha Paynter, PhD Candidate in Nursing, Dalhousie University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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