Reg Murphy Pubs Archive

Combatting Homelessness in the Golden Isles

Written by Heather Farley on August 23, 2023. Posted in Heather Farley, Reg Murphy.

In early August, clergy from various faith denominations gathered at Brunswick City Hall to call on the City of Brunswick to halt a lawsuit against the homeless day shelter, The Well. The press conference brought to mind a series that my colleagues at the Murphy Center and I did in late 2021 around the causes and issues related to homelessness. Two years later, those issues remain complicated and grave.

During the press conference, Drew Thompson, pastor of Union City Church stated, “This community is expending precious energy on trying to rid our city of homeless people instead of learning ways to combat homelessness.”

Indeed, the lawsuit filed by the city cites public nuisance as its main basis. Given the challenges that business owners and residents have reported, largely around public safety concerns, it may not be a surprise to those who frequent downtown that the city is trying to do something in response. As Pastor Thompson suggests, the “something” they are trying is to use the court system to reduce the presence of homeless people around neighborhoods and local businesses rather than develop policies aimed at reducing the conditions of homelessness.

What would a shift in that policy approach look like if the city were to address the causes of homelessness instead? There are a few central areas where they might focus, but I want to highlight one, in particular. A common misconception is that homelessness is typically the result of personal failures, addiction, or mental illness. The root causes of homelessness, however, are deeply intertwined with economic disparities, inequalities among certain populations, and a severe shortage of affordable housing.

Housing is an area I see hope for policy redirection and an area the Mayor of Brunswick has publicly stated he wants to focus energy.

At the heart of this issue is a crisis of affordability. As Brunswick news reporter, Taylor Cooper wrote earlier this year, “the city of Brunswick has a “staggering” challenge when it comes to affordable housing… close to 85% of Brunswick’s total housing stock, 4,800 dwelling units, was built before 1970 and 20% of houses are ‘almost uninhabitable’.” Likewise, my Murphy Center colleague, Don Mathews, explained in a 2022 article (How Did Affordable Housing Become Unaffordable?) that “we’ve been digging the housing hole we’re in for decades. It’s deep.” That hole comes from a combination of minimum lot size restrictions, single-family-only zoning, a slow rate of new housing starts, and limited small home construction. In short, growing demand and sharply restricted supply have made affordable housing unaffordable.

According to the National Low Income Housing Coalition, in Georgia a full-time worker would need to make $19.42/hour (working 40 hrs/wk and 52 weks/yr) to afford fair market rent for a two-bedroom rental home, a figure far beyond the reach of many low-income families. In the Brunswick metropolitan area, for instance, the median renter household income is $28,560 or approximately $14.88/hr. This leaves 44% (6749) of renter households in Brunswick with cost burdens (spending more than 30% of their income on housing costs) and 21.9% with severe cost burdens (spending more than 50% of their income on housing costs). With such high rates of cost burden, a single emergency or loss of work hours can lead to eviction and homelessness.

Addressing these root causes requires a concerted effort from policymakers, community organizations, and individuals. But homelessness is not an insurmountable problem.

Over the past decade, meaningful progress has been made in our community and our state to reduce homelessness. For instance, 60 new tiny homes are now ready for move-in at the Grove at Correll Commons. These fully furnished units are built and maintained by Hand in Hand of Glynn as permanent housing solutions for Glynn county’s unhoused citizens. The Atlanta BeltLine, Inc. has a goal to create or preserve 5,600 units of affordable and workforce housing by 2030. As of June of this year, they have achieved 3,177 affordable units through partnerships, affordable housing dashboards, and renters resources. Other methods of prevention have also been successful in the state. The Georgia Legal Services Program offers eviction prevention services outside of metro Atlanta and has served thousands of Georgians facing homelessness. Rapid rehousing programs have been largely successful in the state as well.

As for The Well, they are a piece of the puzzle required to secure the root cause of income insecurity by offering a way for those who are unhoused to eat, get laundry done, secure personal documents, and look for work and housing as a means of exiting homelessness. Closure is not the only solution to the concerns “downtowners” have expressed.

The problem is real. The city’s remedy may help but only in the short term, at best. If we really want to fix this problem, it will take collaboration between local government agencies, nonprofits, and the private sector that create solutions that address the needs of our homeless community.

Dr. Heather Farley is Chair of the Department of Business and Public Administration and Associate Professor of Public Management at the College of Coastal Georgia. She is an associate of the College’s Reg Murphy Center for Economic and Policy Studies and an environmental policy scholar. The opinions found in this article do not represent those of the College of Coastal Georgia.

U.S. Economy Cruising Despite Interest Rate Hikes

Written by Don Mathews on August 16, 2023. Posted in Don Mathews, Reg Murphy.

An extraordinary economic performance is going all but unnoticed. Consider the U.S. economy over the past 19 months.

In January 2022, the economy was behaving strangely.

The labor market recovery from the pandemic showed no signs of letting up. While workers continued to return to the labor force at a brisk clip, employment continued to grow at an even brisker clip. The unemployment rate was down to 4.0 percent.

Yet production was falling. Real GDP fell at an annualized rate of 1.6 percent in the first quarter of 2022.

More problematic was inflation. In January 2021, inflation, as measured by the consumer price index, ran at a slow and easy 1.4 percent annual rate. By January 2022, it was running fast and hot at 7.6 percent.

In February 2022, Russia invaded Ukraine. In March, China imposed the most drastic of its pandemic lockdowns.

Something else happened in March 2022. The Federal Reserve started tightening.

As we all recall, the economy tanked in the initial months of the pandemic. The prospect of a pandemic-severe recession tandem prompted the Fed to move, with great urgency, to boost the economy. It did so the only way it can: it pumped money into the economy. It did so, aggressively and persistently, through the rest of 2020 and all of 2021. Other central banks around the world did much the same.

The aggressive monetary policy succeeded in preventing a severe recession. The price of that success was inflation. Inflation is ultimately a monetary phenomenon. Pump gobs of money into an economy month after month for twenty months is as surefire a recipe for inflation as there is.

The only way to reduce inflation is to do the opposite of what causes inflation. So, in March 2022, the Fed began attacking the inflation caused by its persistently aggressive expansionary policy with persistently aggressive contractionary policy.

Fed policy manifests itself in two obscure but key interest rates: the IORB (interest on reserve balances) rate and the fed funds rate. The Fed tightens by pushing the two rates up. The more it tightens, the higher they go.

Since March 16, 2022, the Fed has pushed the IORB rate up from 0.15 percent to 5.4 percent, and the fed funds rate range up from 0.0-0.25 percent to 5.25-5.5 percent. That is full-throttle contractionary policy.

And how has the U.S. economy performed since March 2022?

Since slipping by 0.6 percent (annualized) in the second quarter of 2022, real GDP has increased in each of the last four quarters. The increases have been solid, ranging from 2 percent to 3.2 percent.

Contributing to the real GDP growth of the last three quarters is a surge in private investment – meaning construction – in manufacturing, technology and green energy facilities.

The U.S. labor force has increased by 2.8 million, employment has increased by 2.9 million, and the unemployment rate has fallen from 3.6 percent to 3.5 percent.

Even more impressive – and more telling – are the labor force participation rates for people age 25 to 54 years. The participation rate for all 25 to 54-year-olds is now 83.5 percent, the highest level since May 2002. The participation rate for 25 to 54-year-old men is now 89.4 percent, the highest level since January 2020.

The labor force participation rate for 25 to 54-year-old women exceeded 77 percent for the first time ever this past February. It has remained above 77 percent every month since.

Inflation, which peaked at 8.9 percent in June 2022, is now 3.3 percent.

Such a stellar performance in the teeth of such tight monetary policy is extraordinary.

Overcoming Learning Loss in the New School Year

Written by Roscoe Scarborough on August 9, 2023. Posted in Reg Murphy, Roscoe Scarborough.

The new school year has welcomed Glynn County teachers and students with a daunting challenge: reversing the alarming trend in falling reading and math scores.

The National Center for Education Statistics regularly administers the National Assessment of Educational Progress Long-Term Trend Assessment to assess reading and math skills among 13-year-old students in the U.S. On a scale of 500 points, the average reading score in 2022 was 4 points lower than the average reading score in 2020. The average math score in 2022 was 9 points lower than the average math score in 2020. These are the lowest scores since the 1970s. Scores have been declining for a decade, but performance plummeted during the COVID-19 pandemic. Learning losses were even more pronounced for low performing students, girls, and certain racial groups.

Both high performing and low performing students saw test score declines, but low performing students saw more extreme declines in their reading and math scores. Declines in math were especially precipitous for low performing students. Declines ranged from 6 to 8 points for middle to high performing students. Low performing students saw declines from 12 to 14 points.

The math results showed a widening gap between boys and girls. Scores in 2022 were lower for boys and girls relative to 2020 scores, but math scores decreased by 11 points for girls compared to 7 points for boys.

All racial groups saw declining scores in reading and math, but learning loss was much more substantial in math. Math scores dropped by the following amounts for students from various racial groups between 2020 and 2022: White (-6 points), two or more races (-8 points), Asian (-9 points), Hispanic (-10 points), Black (-13 points), and American Indian/Alaska Native (-20 points).

Further, math scores showed a widening gap across races. Scores among Black students declined by 13 points compared to a 6 point decline among White students. The 35 point gap between Black and White students in 2020 has widened to 42 points in 2022.

Declining scores and widening achievement gaps reflect learning loss during the COVID-19 pandemic. In some cases, schools were shuttered for more than a year. Many students experienced long periods of ineffective virtual instruction. However, the blame cannot be placed solely on the COVID-19 pandemic. Scores were declining for a decade before lockdowns and mass virtual instruction. Learning loss during COVID-19 exacerbated declines in achievement that were underway before the pandemic.

Many students are behind academically, but this challenge is compounded by behavioral issues in the classroom, teacher burnout, and difficulty attracting and retaining qualified teachers.

Across our nation, lawmakers are passing legislation that establishes or expands school choice programs. Many of these programs allow parents to use public dollars to cover educational expenses. These programs tend to allow well-to-do children to escape struggling schools, while children from families of limited means are stuck in schools with even fewer resources.

We must address learning loss and close the growing academic achievement gaps among our youth through evidence-based interventions and accelerated learning opportunities for students. Schools can better serve students by providing smaller class sizes, programming and opportunities for at-risk populations, high frequency tutoring, behavioral and mental health support, before and after school programming, and summer enrichment programs. These efforts should be paired with parental outreach efforts and nurturing partnerships with child-centered non-profit organizations.

Any plan to address learning loss must also address mental health and behavioral challenges among students, mitigate teacher burnout, and attract and retain qualified teachers. Of course, significant disparities in funding shape what strategies any given school district may implement.

Our kids and our nation will suffer if we don’t act. Learning loss is correlated with lower levels of educational attainment and lower lifetime earnings. Falling behind academically restricts young people’s ability to enter skilled professions and may reduce the GDP for decades to come.

Roscoe Scarborough, Ph.D. is chair of the Department of Social Sciences and associate professor of sociology at College of Coastal Georgia. He is an associate scholar at the Reg Murphy Center for Economic and Policy Studies. He can be reached by email at rscarborough@ccga.edu.

Extreme heat has local medical and economic consequences

Written by Melissa Trussell on July 26, 2023. Posted in Melissa Trussell, Reg Murphy.

It’s hot. Last week as I was writing this article, The Washington Post reported that record temperatures and high humidity were creating a “heat dome” over the South and feels-like temperatures above 100°F could be expected to linger. In fact, on July 17, it was reported that the Earth’s average temperature broke records every day for the previous two weeks.

According to the weather station in my backyard in Sterling, there has only been one day in all of July that the high temperature was below 90 (It was 88.7 on July 10), and the average daily humidity has been in the upper 70’s to 90’s with daily high humidity above 91%. Again, it’s hot. Dangerously hot.

On average, 702 heat-related deaths occur each year in the U.S. Over 67,500 ER visits per year are for heat-related emergencies, and the US has an annual average of 9,235 heat-related hospitalizations.

For the first week of July 2023, the CDC reports 401 out of every 100,000 ER visits in the Southeast were for heat-related illnesses.

The CDC’s Heat & Health Tracker forecasts 9 days of extreme heat for July in Glynn County, where extreme heat is defined as a high temperature above 95% of historical temperatures for that day. The Center further predicts that residents of Glynn are especially likely to experience adverse health outcomes due to the heat.

The Social Vulnerability Index (CVI) is a measure of how vulnerable communities are to public health emergencies like extreme heat. Glynn County as a whole ranks moderate to high by this index. Census tracts in and near downtown Brunswick have CVI’s as high as 0.985 on a scale of 0 to 1. Between April 1 and July 21 of this year, Southeast Georgia Health System’s Brunswick and Camden campuses saw 47 heat-related cases in their emergency room or other observation and had 5 patients admitted for heat exhaustion.

The economic impacts of our vulnerability to extreme heat are great.

The people most likely to need medical care for heat-related illness are also least likely to have insurance or to be able to pay for medical care: the very young, the very old, those with disabilities or pre-existing illnesses, and households who struggle to pay for air conditioning or those without air conditioning altogether.

And, perhaps the most vulnerable among us are those who do not have houses to duck into for protection from the heat. Anyone who reads this paper regularly knows Brunswick has a significant population of houseless persons. We often think of them during the cold months when we are encouraged to donate blankets, jackets, socks, and gloves to organizations serving them. But, extreme heat can be just as perilous for unhoused individuals and possibly more so because these individuals tend to live in localities like Brunswick, where we experience more days of extreme heat than extreme cold.

Besides the healthcare costs, heat-related injury puts a strain on the greater economy through decreases in productivity. Regardless of one’s conditions at home, those who work in the heat (e.g. construction, lawn maintenance, etc.) are at increased risk. The Bureau of Labor Statistics reports that in 2020, among U.S. occupational injuries or illnesses resulting in days away from work, 1,940 were due to exposure to environmental heat versus only 190 from exposure to environmental cold.

We would do well to implement strategies for prevention— free cold water, public cooling centers, amended work hours for workers who must be outside to avoid the heat of the day, public support for homeless shelters.

Meanwhile, if you can, stay inside, drink plenty of water, and maybe give away a bottle or two to someone else who needs it.

Dr. Melissa Trussell is a professor in the School of Business and Public Management at College of Coastal Georgia who works with the college’s Reg Murphy Center for Economic and Policy Studies. Contact her at mtrussell@ccga.edu. The views expressed in this article are those of the author and do not necessarily represent those of the College of Coastal Georgia.

U.S. Gun Deaths Reach an All-Time High

Written by Roscoe Scarborough on July 12, 2023. Posted in Reg Murphy, Roscoe Scarborough.

Gun deaths in the United States have reached an all-time high for a second year in a row. 48,830 Americans died from a firearm injury in 2021, according to new data from the Centers for Disease Control and Prevention. These firearm deaths include 26,328 suicides, 20,958 homicides, 549 unintentional gun deaths, 537 legal intervention deaths, and 458 firearm deaths with an undetermined intent. That’s one death every eleven minutes from gun violence in the U.S.

Gun violence in the U.S. is an ongoing public health crisis. Amid the COVID-19 pandemic, there was an unprecedented spike in gun deaths that was largely driven by an increase in homicides. Though most Americans returned to their daily routines, gun deaths continued to increase in 2021.

Gun violence disproportionately impacts men. 85.7% of firearm deaths in 2021 involved a male victim. However, there were significant differences in homicide and suicide rates across various racial and age groups.

In 2021, the U.S. experienced the highest gun homicide rate since 1994. The gun homicide rate in 2021 was up 7.6% from 2020, but there has been a 45% increase between 2019 and 2021. Between 2019 and 2021, gun homicide rates increased 49% for Blacks and 55% among Native Americans. Young Black males were disproportionately the victims of homicides involving a firearm. Black teens and young men accounted for 2% of the total population, but accounted for 36% of all gun homicide fatalities in 2021.

Homicides get a lot of media attention, but suicides make up the bulk of gun deaths in the U.S. Suicides involving a firearm were up 8.3% from 2020. That’s the largest one-year increase in four decades. This was also the highest number of gun suicide deaths ever recorded since the C.D.C. started tracking such data in 1968. White men were overrepresented among gun suicide deaths in 2021. Despite making up only 30% of the U.S. population, white men accounted for 70% of gun suicide deaths. White men over age 65 had a gun suicide rate that was four times the national average.

Gun violence is the leading cause of death for children and teens in the U.S. Since 2020, injuries from firearms have topped accidents and cancer as the leading cause of death for our youth. About two-thirds of gun deaths for children and teens are homicides.

How are things going in Georgia compared to other states? Georgia had an above-average gun homicide rate, the 11^th highest in the nation in 2021. Conversely, Georgia has the 25^th highest gun suicide rate in the nation, just above the national average in 2021.

Gun sales have doubled in the U.S. over the past decade, surging in 2020. Firearms are often marketed as a way to protect oneself from threats. Conversely, gun ownership greatly increases one’s risk of dying by suicide or homicide, according to a meta-analysis of existing peer-reviewed research on the topic that was published in the Annals of Internal Medicine. The availability of firearms in our nation is a central reason why the U.S. has a higher rate of gun deaths than other developed nations.

The Johns Hopkins University Center for Gun Violence Solutions proposes a range of evidence-based, equitable policy recommendations to reduce gun deaths, including: legislation that enacts permit-to-purchase laws; red flag laws permitting removal of firearms from high-risk individuals; child access prevention laws to reduce gun accidents involving children; laws that restrict open carry in public places; laws placing restrictions on concealed carry for those with criminal records; laws banning concealed carry of firearms at specified, sensitive places; repealing stand your ground laws; and investing in community violence intervention programs.

Increasing rates of firearm ownership, high levels of gun sales, and a political climate that is unreceptive to restrictions on firearms all but ensure that deaths from firearms will remain a significant public health crisis for years to come.

Roscoe Scarborough, Ph.D. is interim chair of the Department of Social Sciences and associate professor of sociology at College of Coastal Georgia. He is an associate scholar at the Reg Murphy Center for Economic and Policy Studies. He can be reached by email at rscarborough@ccga.edu.

Our Capitalist Heritage

Written by Don Mathews on July 5, 2023. Posted in Don Mathews, Reg Murphy.

Edmund Burke (1729-1797), the great political rhetorician and British statesman, understood the civilization that British colonial America had become.

In 1769, three years into what would be a 28-year stint as a member of the House of Commons, Burke published a pamphlet in which he noted: “The pride and strength of the Americans is their trade. A perfectly unimpeded commerce seems to them inseparable from liberty.”

Six years later, Burke attempted to persuade his fellow MPs to do whatever was necessary to placate the American colonists and avoid war. His unsuccessful but now famous “Speech on Conciliation with America,” delivered on March 22, 1775, contained this:

“America – which at this day serves for little more than to amuse you with savage men and uncouth manners; yet shall before you taste of death, show itself equal to the whole of that commerce which now attracts the envy of the world. Whatever England has been growing to …in a series of Seventeen Hundred years, you shall see as much added to her by America in the course of a single life.”

Burke recognized that a zeal for enterprise and commerce was fundamental to who colonial Americans were and what their America was about.

It may seem surprising that what an Irish-born British statesman identified as fundamental to British colonial America is just as fundamental to the United States today. Surprising, that is, until we recall that by July 4, 1776, the market-based American economy had been growing, developing and spreading for 169 years.

British colonial America was capitalist from the get-go. It did not develop according to a plan. It developed according to the profit motive.

The idea of establishing colonies in America came not from the British crown or the British Parliament, but from profit-seeking British entrepreneurs and investors. Joint-stock companies established the first and the bulk of the British colonies in America.

A joint-stock company was a form of business partnership. It required a royal charter, but the partners financed the venture and assumed all risk.

Jamestown was a business venture of the Virginia Company of London. Plymouth, of Pilgrim fame, was a venture launched by a group of 70 investors led by Thomas Weston. Massachusetts Bay was launched by the Massachusetts Bay Company.

Colonists were wired into producing for the market from the outset. Profits to the joint stock companies, and to the colonists themselves, came from the sale of commodities produced by the colonists to buyers in Britain and elsewhere. Which commodities would be most profitable was left to the colonists – and the market – to determine.

British commercial law was employed immediately, though with some modifications. Land tenure law was a crucial modification. The British Crown allowed only one type of land tenure in colonial America: free and common socage. Meaning: land purchased from the Crown is owned free and clear.

Colonial Americans made enterprising use of the arrangement. They scattered and settled wherever they found productive land. They also bought and sold land as a speculative investment. Land speculation was a leading industry in the colonies almost from their beginning.

The growth and development of British colonial America had an ironic consequence. The joint stock companies established colonies in America to produce commodities for export. Yet, in short order, most colonists found the domestic market more lucrative than the export market. Economic historians estimate that, in the 169 years from Jamestown to 1776, less than five percent of colonial American output was exported.

The British colonial America that Edmund Burke wrote and spoke of was a well-established capitalist civilization. On July 4, 1776, that well-established capitalist civilization became a country.

Should smartphones be banned from classrooms?

Written by Melissa Trussell on June 21, 2023. Posted in Melissa Trussell, Reg Murphy.

I have always allowed students to use electronic devices in my classes with two rules: 1) for those who needed a distraction-free environment, no electronic devices were allowed on the front row of the classroom, and for everyone else, 2) just don’t be annoying. But, following the advice of some of my wiser colleagues, I tried something new in my face-to-face classes last semester: I banned the use of cell phones during class.

My goal was to increase student engagement in class discussion and improve student retention of material. I will tell you how it went at the end of this article, but first, some data on the topic.

Last week, on an episode of the NPR radio show On Point, host Meghna Chakrabarti and her guests discussed a new Florida law allowing K-12 teachers to ban smartphones in their classrooms. The show’s interviewees cited peer-reviewed studies that showed students who text during class take significantly fewer notes, remember less of the material presented in class, and score lower on tests. Interestingly, they discuss research that finds the effects of smartphone use in class are greater on long-term memory than on short-term memory. Students who are texting may be able to answer questions at the end of the class but are likely to have forgotten the material before an exam.

These results make banning smartphones from classrooms seem like a no-brainer for students’ academic success.

As many callers into the show pointed out, however, this is a much more complicated issue. A 2023 meta analysis of 20 studies on smartphone use in education found overwhelming evidence that intentional use of smartphones by instructors in class can have very positive effects on learning outcomes.

One of the identified effective uses of smartphones in class – gamification of learning – is used widely on Coastal’s campus with great reviews from both professors and students. Students use their phones in class to answer questions in real time, keeping them engaged in learning throughout class time. In my principles of microeconomics classes, students use a smartphone app to participate in simulated markets and other life-like scenarios that demonstrate theories we have or will discuss. Feedback from students on these sorts of exercises is almost always positive, and they report that the games improve their retention of course material and understanding of real-world applications.

As with most things in life and education, I think the keys to effectively managing the relationship between classrooms and smartphones are intentionality and balance. The studies mentioned above indicate that there is a sweet spot of integrating into lesson planning the creativity of smartphone apps and the power of a web full of information at students’ fingertips while curbing unrelated texting or scrolling social media.

My sense is this balance may be easier to achieve in a K12 classroom than in college. On Point interviewees talked about the Fear Of Missing Out (FOMO) effect experienced by children when their phones are within their sight and discussed the merits of physically removing phones except during times when the teacher has planned to integrate the technology into their teaching. This is simpler to navigate with children than with adult learners. College students often have families, jobs, and other responsibilities that they may legitimately prioritize over my class, and for them, FOMO may be very valid anxiety over missing an important message.

I asked my students not to use their phones during class, but I did not feel comfortable asking them to surrender their phones or even to put them out of sight. Thus, my no-phones policy was difficult to enforce uniformly. I will give it more thought before August, but in my classroom, any gains in engagement were slight and likely not worth the stress of cellphone policing.

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Mitigating Flood Risk in Vulnerable Communities

Written by Roscoe Scarborough on June 7, 2023. Posted in Reg Murphy, Roscoe Scarborough.

Hurricane season started on June 1^st. This leads many people in coastal areas to reflect on flood risk. According to the Federal Emergency Management Agency, flooding causes 90% of disaster damage every year in the U.S. Not surprisingly, some groups are at a greater risk than others. Studies show that rising global temperatures put even more people at risk of flooding, including households in areas that are far from the coast and areas that have no recent flood history.

The storm surge associated with hurricanes and nor’easters bring extreme flood risk. The Golden Isles is fortunate that hurricanes are relatively uncommon here. It’s been 125 years since our area has experienced a major hurricane. In 1898, a category 4 hurricane made landfall at Cumberland Island with 135 mph winds. A 16-foot storm surge was recorded in Brunswick.

Would your residence flood in a major hurricane? Mine would. How high above sea level is your property? Google “Glynn County Web Flood Maps” to find out. A large percentage of properties in Glynn County and Brunswick would flood in a category 1 or 2 hurricane, especially if the storm coincides with a high tide.

Golden Isles residents know that our area is prone to other types of flooding, including river flooding, sunny-day tidal flooding, and urban flooding from heavy rains. Risk is heightened in the absence of protective infrastructure and adequate stormwater systems.

Certain properties are at risk based on their location, but certain groups are at a greater risk of harm from flooding. Those at greatest risk of harm from flooding are lower-income, older, and other vulnerable populations who live in low-lying areas.

57% of the population is not prepared with food, water, transportation, and emergency funds to withstand a disaster, according to research by Smitha Rao and colleagues. Statistically, households that are lower-income, housing-insecure, led by a woman, and households with children are less prepared for a disaster.

Older adults who live in flood-prone areas are at higher risk due to health needs or disabilities that can affect their ability to evacuate. They are more likely to be socially isolated, often lacking help to prepare for a storm, evacuate, or access resources for post-flood recovery.

Households that are struggling to make ends meet are less likely to be prepared for the next flood or other disaster. These folks often lack the means to evacuate to avoid a disaster, lack the resources to repair and replace property damaged by flooding, and are less likely to return if displaced by flooding.

Making matters worse, the vast majority of American households at risk of flooding do not have flood insurance. As homeowner’s insurance does not cover flood damage, those without flood insurance are at risk of financial ruin if their home floods.

Many river levees, retention ponds, and stormwater systems in the U.S. are nearing the end of their useful life or are already beyond it. Even worse, most of our nation’s flood control infrastructure was designed for 20^th century storms and flooding. A warming climate leads to extreme wet and dry conditions that have increased in duration, extent, and severity. It is essential to incorporate climate change into planning for stormwater systems and other flood prevention measures.

Long-term solutions are required to address flood risk. Protecting or rehabilitating dunes, wetlands, mangrove forests, and coral reefs mitigates coastal flooding. Rain gardens and bioswales can reduce runoff that contributes to urban and river flooding. Updating or building levees, wave attenuation devices, and seawalls are costly solutions that can protect property and people in certain settings.

A key long-term solution is expanding access to safe and affordable housing. State and local governments can buy properties that frequently flood or change zoning rules to prevent people from moving into harm’s way. Additionally, new developments should be planned for future flood risk in our changing climate.

Socialism Abounds in Irony

Written by Don Mathews on May 31, 2023. Posted in Don Mathews, Reg Murphy.

I’m sure most people presume that the history of economics must be boring pushed to a life-draining extreme.

In fact, the history of economics is a grand story, full of drama, tension and surprising twists; ideas come to life as characters, and the thinkers behind the ideas complete the cast. Granted it’s thin in romance and razor thin in the steamy stuff. But it’s thick in irony.

The history of socialist thought is a treasure trove of irony.

For starters, the bulk of 200-plus years of Continental European, British and American socialist writing is about capitalism, not socialism. The critique of capitalism dominates this massive literature; it is and always has been central to socialist thought. Socialist writers have also had something to say about society, human nature and fellow socialists. They have had little to say about socialism.

That’s observation, not criticism, and the observation is not controversial. Historians of socialist thought as erudite and diverse as George Lichtheim, Robert Heilbroner and Michael Newman have all made note of how much socialist thought has to say about capitalism and how little it has to say about socialism.

Karl Marx and Friedrich Engels, the two most renowned socialists of all, provide a prime example of the irony. Their critique of capitalism is fierce and voluminous. Their critique of other socialists is fierce and extensive. How economic decisions would be made in a socialist system? Crickets.

Marx and Engels stated what every socialist understood then and understands now: that socialism is a system in which private enterprise is prohibited. Beyond that, Marx and Engels said nothing about socialism as a system.

Prominent in the history of socialist thought is the charge that capitalism is grounded on individualism and competition, whereas socialism is grounded on solidarity and cooperation. What makes this ironic is that socialists have a long history of being at odds with each other. Numerous socialist writers have commented on the irony, including British socialist Anthony Wright.

Wright’s excellent book, “Socialisms,” published in 1986, opens with this: “The history of socialism is the history of socialisms. Moreover, it is a history not of fraternal plurality, but of rivalry and antagonism.” A sentence later: “Many socialists have reserved their sharpest arrows for attacks on other socialists.”

Marx and Engels are prime cases of this irony, as well. The vitriol with which Marx and Engels laid into socialists who failed to toe the Marx-Engels line is eclipsed only by that of V.I. Lenin, when, in his “Conditions of Admission to the Communist International,” he “declared war on the whole bourgeois world and on all Yellow social-democratic parties.” By “all Yellow social-democratic parties,” Lenin meant all socialist parties not in lockstep with Soviet communism.

Socialist thinkers have consistently championed the “working class.” Of the many moral outrages that socialists find in capitalism, the exploitation of the working class tops the list. Socialists have also claimed that environment determines perspective: grow up bourgeois and you’ll interpret life from a bourgeois perspective; grow up working class and you’ll interpret life from a working-class perspective.

The irony is that working class championing socialist thinkers, almost to a person, have come from thoroughly bourgeois backgrounds, while members of the working class have shown little interest in socialism but great interest in being able to live bourgeois lives for all the work they contribute to bourgeois capitalist production.

The unwillingness of the working class to shake its “working-class style bourgeois” mindset has frustrated socialist thinkers for a long time. So, next time you have a hankering for irony, there’s a treasure trove in the history of socialist thought just waiting for you.

Young adults are living at home longer. Is it paying off?

Written by Melissa Trussell on May 17, 2023. Posted in Melissa Trussell, Reg Murphy.

For educators, the month of May is always an exciting time. We get to celebrate the most important part of our jobs: helping our students reach their goals. For many students across our region, the big goal this month is graduation from high school or college. And, many parents are celebrating the bittersweet milestone of seeing their children move out on their own for the first time.

To those parents for whom it is more bitter than sweet, I have some good news. For the rest of you, let’s just hope your family can buck the trend.

Young adults are moving back in with their parents in greater numbers than ever before.

During the Covid-19 pandemic, a record number of young adults moved back in with their parents. In July 2020, for the first time since the Great Depression, more than 50% of adults aged 18 to 29 lived with their parents. Many of these young adults reported relocating for pandemic-specific reasons—college campuses closing or loss of employment due to the pandemic economy. As one might expect, then, most of them were younger, traditional college students or entry-level workers.

But, even in a slightly older cohort of young adults between the ages of 25 and 34, the number of folks living with their parents was substantial: 18% in 2020.

Post-pandemic, that number has decreased only slightly, to 15.6% in 2022.

So, if they went home because of the pandemic, why aren’t they leaving now that colleges have reopened, the economy has rebounded, and health risks have subsided?

It turns out that the trend of young adults, ages 25 to 34, living with their parents longer or moving back in later predates the pandemic. The peak of 18% in 2020 was only 1% higher than in the previous year. Contrast this with 10% in 1984 and 10-12% throughout the 1990s and until 2008, when the number begins its steady increase to where we are today.

It seems we are looking at more of a Great Recession effect than a pandemic effect.

Regardless the cause, it is equally interesting to consider the effects of having so many young adults still living with their parents. And on this, the pros and cons are both strong. In fact, I first started thinking about writing on this topic in February, when I read the following two headlines in Fortune within a couple weeks of each other: On January 23, “Millennials and Gen Z living at home are a ‘train wreck’ thanks to their parents …” and on February 16, “Millennials’ decision to live with their parents has paid off…”

Which is it—are they train wrecks, or are their decisions paying off?

The “train wrecks” article quotes Dave Ramsey, who is concerned about the record high spending on designer accessories among this group. It cites a Morgan Stanley report that young adults (ages 18 to 29) are a growing market for luxury goods in the U.S. Ramsey’s colleague Jade Warsaw criticizes parents for allowing this sort of luxury spending by young adults living at home with debt and low-paying jobs.

On the other hand, the “decision… has paid off” article reports that 6% of individuals with student debt were able to make substantial progress toward it paying off because they moved home. Data from the National Association of Realtors suggests, too, that given soaring rent and housing prices, staying home has helped young adults save toward down payments on their own homes. In 1995, 15% of first-time homebuyers moved into their homes from a family member’s house. Today, that number is 27%.

Surely, the world is very different for today’s young adults than for generations past. College and housing are both far more expensive than before. In many ways, staying home is the financially savvy thing to do. Though, buying that Rolex watch may not be the best use of the money saved through that choice.

So, I don’t know; maybe both article titles are true. Maybe they’ll save enough to move out and then wreck the train with their luxury spending habits. Or maybe they’ll move out and figure it out like so many before them have done.

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