The Ph.D. sociologist who uncovered this connection argues for universal school choice, especially programs that enable parents to direct the education funds for their students to religious schools, in order to preserve the self-control that accompanies religious observance, according to his research.

“If the parents want to choose religious schools and want to preserve the religious faith of their children, well, my research indicates that’s going to be very good for everyone,” Philip Truscott told The Daily Signal in a Zoom interview Tuesday. A sociologist who earned his Ph.D. from the University of Surrey in England, Truscott taught as a professor of sociology at Southwest Baptist University in Bolivar, Missouri, for 10 years, ending in July.

If religion makes a comeback, “everybody’s less likely to be a rape victim, everybody will have less need for public expenditure on mental health, because for every completed suicide, you get like 10 that are attempted suicides,” he said.

Rape and Religion

The academic journal Journal of Sociology and Christianity published Truscott’s abstract “Rape, Suicide, and the Rise of Religious Nones,” in its fall 2024 edition. […]

— Read More: www.dailysignal.com

The results are in, and on Nov. 5, Americans officially rejected the high prices and spiraling costs that defined much of the Biden-Harris administration—including the least affordable housing market in U.S. history.

Rather than being chastened by the national shellacking he, his vice president, and his party received, President Joe Biden’s Justice Department is pursuing an audacious move that could throw the housing market into disarray and put homeownership even further out of reach for middle-class Americans.

In a high-profile lawsuit filed last month, the DOJ is seeking to crack down on a case of alleged home-appraisal bias in Colorado, but the lawsuit could set a worrisome new precedent for the relationship between mortgage lenders and appraisers. The consequences could be sweeping, and they may weigh most heavily on the black homeowners and aspiring homeowners who the DOJ is ironically trying to protect with this lawsuit.

The DOJ is alleging that an appraiser, Maksym Mykhailyna, undervalued a black woman’s Denver home while she was applying for a refinance. Undervaluation typically results in a higher interest rate and a lower loan amount.

The Biden administration has made cracking down on this kind of alleged discrimination a focus, and Vice President Kamala Harris has led the White House’s efforts. Yet, the DOJ’s case hardly proves the appraiser undervalued the home. Even more importantly, the DOJ fails to show that unlawful racial bias skewed the appraisal results or that this singular incident is indicative of systemic discrimination permeating the appraisal industry.

These crackdowns over an illusory problem have been repeatedly and correctly criticized. The administration is fundamentally trying to expand the federal government’s role in housing with little understanding of how meddling with the appraisal process would ultimately affect prices and homebuyers.

The DOJ lawsuit and much of the Biden administration’s efforts on this issue are misguided. In this latest effort, the Justice Department is going beyond holding an allegedly prejudiced appraiser accountable. Along with Mykhailyna, the DOJ also names Rocket Mortgage, the lender with whom the homeowner was seeking a refinancing, as a co-defendant.

The DOJ’s decision to go after the mortgage lender for the actions of an appraiser in this case not only contradicts federal law, but also risks reversing years of housing industry reforms that keep home prices in check.

Setting precedent to hold lenders accountable for the actions of independent appraisers would reintroduce the conflicts of interest that helped inflate home prices and created a housing bubble in the run-up to the 2008 financial crisis. A repeat of those circumstances would make homes even more expensive and put homeownership even further out of reach for many Americans.

Passed in the wake of the 2008 crisis, the Dodd-Frank Wall Street Reform and Consumer Protection Act explicitly bars mortgage lenders from influencing appraisers. The legislation established appraiser independence by mandating that lenders order appraisals through third-party companies called appraisal management companies. These companies are a critical degree of separation between lenders and appraisers that protect the housing industry from the conflicts of interest that led to the 2008 disaster. The DOJ’s efforts to punish the lender in the Colorado lawsuit threaten to erode the independence of appraisers.

Before 2008, there were no appraisal management companies, and appraisers were heavily dependent on the mortgage lenders that assigned them work. That conflict of interest led appraisers to overvalue homes in order to authorize bigger and more profitable loans for the mortgage lenders. That fueled the market bubble that eventually popped, tanking the global economy, nearly toppling the entire financial sector, and setting many American families back years.

If the Biden DOJ has its way, the U.S. could return to the pre-2008 housing industry. The potential for baseless lawsuits alleging undervaluation will incentivize both appraisers and lenders to overvalue properties—fueling yet more home price inflation and injecting more risk into the system.

Housing costs are already out of control. Minority communities across this country are disproportionately locked out of homeownership. Rather than pursuing splashy headlines for baseless lawsuits that would ultimately hurt Americans and further exacerbate prices, the government should be diminishing the footprint of the government-sponsored enterprises—namely, Fannie Mae and Freddie Mac—that have helped create a second housing bubble in the past 20 years.

The bottom line is that the DOJ’s misguided efforts here could wind up hurting all aspiring homeowners, including the very people of color who the Biden administration says that it is trying to stand up for.

Existing civil right laws already protect homeowners against racially biased appraisal practices. These laws should continue to be enforced. Regulators or legislators could task the appraisal management companies with keeping a more watchful eye over the appraisers and potential trends in their work. But the effort to burden the mortgage lenders with the responsibility of solving appraisal discrimination is not only misguided, it is deeply harmful to aspiring homeowners, the housing sector, and the financial industry.

The incoming Trump administration should immediately audit the Biden administration’s backward housing reforms and halt this lawsuit before it causes damage to the system. Woke, affirmative action policies are misguided and wind up hurting everyone. Voters want a return to simple, logic-driven policy, and this is one area to start with.

We publish a variety of perspectives. Nothing written here is to be construed as representing the views of The Daily Signal.

Two weeks ago, former President Donald Trump announced these words to rallygoers in this Westmoreland County town at a packed event, which included several former Pittsburgh Steelers and steelworkers taking the stage to endorse him; the steelworkers even got the former president to put on a hard hat that ruffled his hair.

It was a statement that made the thousands of supporters, most of whom were young, go understandably wild with emotion. Many attendees I spoke to were young women, many of them mothers with their children, who could not wait to vote in the first election they were truly excited about.

Trump wasn’t wrong. Heading into the final stretch of the election, I’d rather be him than Vice President Kamala Harris in the Keystone State. Several pollsters across the political spectrum shared data showing that Trump has a consistent edge in Pennsylvania and that Harris is at a standstill.

However, he’s a better fit for the commonwealth than Harris for reasons beyond just polling. In weeklong travels across the 67 counties in Pennsylvania, all the indicators told a story, outside the worldview, or bubble, of Washington, D.C., and New York City, of why Harris has failed in key places to earn people’s votes and Trump has found a way to bring out new voters and earn just enough support to win the state. […]

— Read More: www.dailysignal.com

Final polling averages suggest that Trump has the advantage—and the momentum—heading into Election Day. Real Clear Polling has Trump edging out Harris by 0.1% in national polling and up in enough swing states to pass the 270 Electoral College votes needed to win the presidency.

There has not been an election-altering October surprise—no Hunter Biden laptop, no missing emails. If there was one, however, it was President Joe Biden calling Trump supporters garbage.

“Just the other day, a speaker at his rally called Puerto Rico a ‘floating island of garbage.’ Well, let me tell you something,” the president said during a virtual event, “the only garbage I see floating out there is his supporters.”

The comments outraged Trump’s supporters, just as Hillary Clinton’s comment calling them “deplorables” did in 2016. Nevertheless, the Trump campaign took the comments in stride. Following Biden’s comments, the former president held a press conference from the cockpit of a garbage truck with full campaign branding on the side.

Trump has completely derailed my evening. I have spent 90 minutes laughing at this man’s genius.

Again, hate em if ya want, but our 45th president just showed up in a garbage truck and is now speaking at his rally in an orange garbage man vest. I can’t even. #MAGA pic.twitter.com/FN1oFORjyJ

— Lindsay In South Carolina (@LindsayJPitcher) October 30, 2024

The former president even did a rally wearing a sanitation worker’s high-visibility vest after the stunt.

Left-wing media outlets have been after Trump since his first run for office in 2016.

The Media Research Center released findings on Oct. 28 that showed Trump’s media coverage was 85% negative compared to Harris’s 78% positive coverage on ABC, CBS, and NBC evening news broadcasts for the 2024 presidential race. Media Research Center analysts reviewed 660 stories about the presidential election on the news channels from July 21, the day Biden ended his candidacy, to Oct. 25.

In the 2016 presidential race, both Trump and Clinton received high amounts of negative coverage, with 91% negative for Trump and 79% negative for Clinton. In the coverage for the 2020 race, Trump received 92% negative coverage and Biden received 66% positive coverage.

Nevertheless, media bias has not prevented Trump from broadening his support.

Standing room only at Vance rally in Holland, Michigan, with a long line out the door! pic.twitter.com/xAatpL6ARe

— Elizabeth Troutman Mitchell (@TheElizMitchell) October 29, 2024

Trump, with a bold alternative media strategy, has brought together a motley crew of voices across the political spectrum, such as former presidential candidate Robert F. Kennedy Jr., entrepreneur Elon Musk, and former Rep. Tulsi Gabbard, R-Hawaii.

During a recent interview on Fox News, Gabbard said she asks people in the audience to raise their hand if they are a Democrat or a former Democrat whenever she speaks at a Trump event.

“In almost every event, somewhere between 35-50% of the room will raise their hand,” she said in the Oct. 29 interview on Fox & Friends Weekend.

What excited Gabbard even more was the reaction of Trump supporters to those whose hands were raised. Trump supporters “stood up and cheered and welcomed them [Democrats and former Democrats] and just surrounded them, really, with love and kindness.”

Gabbard said a lot of people shared their experiences with her after the event.

“I had so many people come up to me at the end of that saying, ‘I came in here afraid. I’ve never been to a political rally before. I didn’t know what to expect. I’m a Democrat, lifelong Democrat, never voted before.’ Different variations of this, but each walking out saying, ‘I’m voting for Donald Trump because of what I experienced here today,’” Gabbard said.

American voters may have come to Trump rallies for the fun, but Trump needs them to stay for Election Day to win.

As with every last issue pertaining to this election, Harris has not said much about the substance of her climate policy. But a review of her record suggests she’d be amenable to unleashing the Justice Department on energy providers, and her conspicuously quiet allies on the climate left are optimistic she’ll do just that.

Unleashing the Justice Department on American energy companies means hurtling this country deep into the last century. Traditional energy sources are essential for the world’s historic quality of life most Americans enjoy. Litigation will drive prices up.

The lawsuits will also strongarm a transition to electric vehicles, stoves, and water heaters that will remain unpopular with most people because they aren’t affordable and don’t work as well as gas-powered alternatives. Green New Deal lawfare unfolding at the state and local levels all over the country means to force those appliances onto an unwilling public through settlement terms or public spending funded by big money verdicts.

Harris is already aligned with climate lawfare. Harris investigated whether Exxon “repeatedly lied to the public and its shareholders about the risk to its business from climate change” during her tenure as California attorney general, according to the Los Angeles Times. The probe did not result in a lawsuit, though she was supportive of legal claims targeting energy providers as a presidential candidate. […]

— Read More: www.dailysignal.com

Americans are tired of talking heads and the opinions of editorialists masquerading as journalists. But this should not be confused with declining interest in news or politics; viewers are simply moving to channels where they can get an unfiltered view of the candidates from personalities they trust.

If there is one clear lesson from the 2024 election cycle, it’s that candidates for public office must be prepared to engage in this new media landscape to stay competitive, especially on long-form podcasts.

The last time we had a shift this significant was 1960, when America saw the first televised presidential debate between John F. Kennedy and Richard Nixon. The Kennedy-Nixon debate underscored the power of television to shape public perception.

Remember, past is prologue. Take, for example, Donald Trump’s appearance on “The Joe Rogan Experience.” Already, it’s racked up about 45 million views—just on YouTube alone. Trump’s interview with Theo Von received 14 million views. For her part, Kamala Harris’ appearance on the “Call Her Daddy” podcast received 733,000 views and she received 665,000 views on the “All the Smoke” podcast.

While traditional media audiences are shrinking, these appearances have outperformed the average audiences of these podcasts oftentimes 10 to 1. Remarkably, the candidates’ episodes are even outpacing episodes featuring internationally known Hollywood celebrities.

Voters are hungry to hear from the candidates on an unfiltered, authentic platform, and podcasts are filling that need.

This shift is redefining how viable candidates will approach media going forward. Those who want to succeed in politics but are afraid, or unable, to allow the public a view into who they really are going to have a ceiling on their career if they don’t do long-form interviews.

Political campaigns are going to change in two ways due to this dynamic.

1. Candidates need to get comfortable in their own skin, open up and answer personal questions about heartache, addiction, and what makes their spouse smile. This open, honest, and unvarnished content mirrors what the public is receiving in their social media feeds already, so it makes sense that they are demanding the same transparency from their political leaders.
2. It’s going to transform the way political professionals engage with the electorate. According to GWI, a consumer research company, the “typical” internet user spends almost 2.5 hours each day using social media platforms, equating to more than one-third of their total time online. As a result, campaign resources should shift to talking to the electorate where they are spending their time, which is on their phone. That is where people are getting their news, listening to podcasts, vegging out, and forming opinions about who they will vote for.

The reason these podcasters and creators carry so much influence is because of the community and trust they build with their audience. As James Clear, author of The New York Times bestseller of “Atomic Habits,” says about changing opinions, “Facts don’t change our minds. Friendship does.”

This election year, I was part of an effort that enlisted thousands of podcasters and social media personalities to encourage unregistered and low propensity voters to engage in the political process. Content creators in coordination with Vote4America delivered billions of impressions to tens of millions of voters. The posts calling on people to engage in the election significantly overperformed the average post of the creator, much like the success of the Trump and Harris podcast appearances.

We won’t know the full effect of all this content until all the votes are counted, but we can already see that 8.5% of all early votes are being cast by previously eligible first-time voters, meaning they are of age to have voted in past elections but decided not to.

The authenticity and trust of these podcasters and content creators is clearly having an effect on voter behavior.

What Jeff Bezos got wrong was his slight at podcasts as “unresearched.” The public clearly disagrees.

Americans are choosing podcasts over Bezos’ newspaper as their trusted source of news and information. Traditional media and candidates for office now must grapple with the new expectations of the electorate: unfiltered, unedited, authentic content.

First came the mammoth $430 billion plan birthed before the ’22 midterms that made the student loans of 40 million borrowers eligible for cancellation.

That died the following spring at the Supreme Court only to be succeeded by the “Saving on a Valuable Education” plan, which drastically reduced the income borrowers must contribute toward repaying their loans at an estimated 10-year cost of $475 billion.

SAVE, which two Democrat-appointed judges enjoined in April, was then followed by four related rules canceling the debts of borrowers who have spent a long time in repayment without actually repaying their loans.

The latest proposal is another example of the administration’s ingrained reflex to respond to its own unpopularity with spending. Although the general objections to it are familiar, still, specific features of the latest plan are worth examining, especially because of their timing.

At this stage, the proposed rules would not be finalized until 2025. Moreover, the rules’ stated pretension is to provide an avenue for debt cancellation for “student loan borrowers for generations to come.”

The rules create two new paths for cancellation: a one-time automatic cancellation initiated by the secretary of education for loans at risk of default and an ongoing option that borrowers can access by application that “holistically” demonstrates the borrower’s hardship.

Purportedly, these address borrower needs not “sufficiently” covered in the preceding rounds of rulemaking or by readily available loan deferrals. That may be the closest the administration gets to acknowledging the redundancy of its plan that layers forgiveness atop forgiveness.

Much like the previous efforts, there’s a good deal of dissonance in how the administration presents the rule to different audiences. The Department of Education heralds the rules publicly as a courageous achievement, power procured through a righteous fight to provide “hope to millions of struggling Americans,” something no other administration has done before.

At least that last bit is true. But the rules themselves attempt to speak softly and modestly to a mostly legal audience, insisting that they are not the creation of some strange new power, but only a specification of how the secretary intends to apply the discretion that he has always had.

And though the rule is supposed to help “millions,” the secretary assures would-be critics that he will exercise his discretion only in “relatively rare” circumstances where “the costs of enforcing the full amount of the debt are not justified by the expected benefits.”

So, rest assured, dear taxpayer, these rules will save you money despite all appearances that your money is being given away.

Officious paternalism works tolerably well as a description of the rules’ tenor. The administration promises to anticipate and address borrower needs before they even arise by authorizing the Department of Education to cancel loans automatically if the department deems them at risk of defaulting.

How does the department make that determination? By consulting a “non-exhaustive” 17-factor list, of course. How else?

The borrowers the administration hopes to assist are evidently so distressed that they have not even bothered to apply for relief. Perhaps after years of COVID-19-based transfer payments and the gratuitous benefits of previous loan pauses and cancellations, borrowers are just accustomed to receiving without asking.

But then it falls to the rest of us to ask: Does any other segment of the population receive this much financial solicitude from the federal government?

The proposal’s most audacious quality is not its indulgent attitude toward borrowers, but its insouciance toward the matter of legal authority.

Since it took office, the Biden-Harris administration has combed the statutes for the few stray words they could morph into transformational debt-cancelling authority.

To date, they’re still searching for a rationale that would satisfy a judge. But the fact is, they are out of plausible alternatives, so they are recycling the same tortured reading of the Higher Education Act used to justify two of the preceding attempts.

Courts have already previewed the merits of this argument: Two Democrat-appointed judges have found that opponents of the rules are “likely to succeed on the merits” of their legal challenges. But that has in no way dissuaded the administration from this fourth attempt because the administration refuses to take the hint.

In the twilight of Biden-Harris administration, its policy approach resembles a movie studio that has misunderstood its audience and run out of ideas to keep them engaged.

These rules are sequels that appeal only to the most niche audience—the coalition of organizations dedicated to the abolition of student debt and their enablers within the Department of Education.

With the broader American audience, the approach is a liability. A poll conducted by University of Chicago Harris School of Public Policy found that 40% of Americans “strongly disapprove” of the Biden-Harris administration’s repeated intrigues to transfer student debt to taxpayers. Another poll from the libertarian Cato Institute found that roughly 70% of Americans disapprove of student-loan cancellation when apprised of its effects on taxes and inflation.

Nevertheless, the administration persists in offering the same non-cure for the student-debt ailment. Despite the administration’s professed interest in addressing “root causes,” these rules, like their predecessors, barely acknowledge, let alone address, the variables that have made higher education such a debt-intensive undertaking or the variables that make the American economy one in which it is difficult for borrowers to repay the burdens they have assumed.

Instead, it cues up another installment of bourgeois socialism, a redistribution of monies to those who have spent too much money to attain fewer privileges than they would like.

That is, that something is very wrong in our nation.

In the latest Gallup polling, only 22% say they are satisfied with the direction of the country. The highest this has been over the last 16 years was 45% back in February of 2020.

So, despite change in party control over these years, the sense that something is wrong in the country has persisted.

More in the framework of this election, only 39% say they are better off than they were four years ago, and 52% say they are not better off. […]

— Read More: www.dailysignal.com

New York Times reporter Nico Grant reached out to numerous conservative figures, including Shapiro, former Fox News host Tucker Carlson, entrepreneur Elon Musk, and Andrew Klavan, the host of a Daily Wire show. Grant asked them to respond to criticism that they spread “election misinformation,” citing the left-wing outlet Media Matters, and asking whether YouTube had warned them about this “misinformation.”

“Their goal is to shut the spigot off so you can’t get any information on places like YouTube,” Shapiro told The Daily Signal in written comments Wednesday. He noted that many Americans hear about the news on YouTube. A Pew Research Center survey from September found that 32% of Americans regularly get news on YouTube, an increase from 23% in 2020.

“Shutting off the spigot on news information one week in advance of an election. That is The New York Times’ trick,” he added.

In a post on X, Shapiro suggested the Times’ article represented the legacy media’s “October surprise,” a last-minute effort to sway the presidential election. […]

2/ What, precisely, is NYT doing? It's perfectly obvious: using research from Media Matters, a radical Left-wing organization whose sole purpose is destroying conservative media (see below), in order to pressure YouTube to demonetize and penalize any and all conservatives ONE… pic.twitter.com/GzgXdVSwhF

— Ben Shapiro (@benshapiro) October 29, 2024

— Read More: www.dailysignal.com

Trump says that states should be able to decide whether, and to what extent, to restrict abortion. Harris, as well as some Senate candidates, claim in their ads that electing Trump would lead to a “national abortion ban.” That’s unlikely, since Trump says he would veto such a ban if Congress ever passed one. “Veto,” Merriam-Webster tells us, is the opposite of “approve.” Ya don’t say.

Harris, in contrast, says that states should have no say at all and that Congress must prevent them from limiting abortion in any way. As a senator, she co-sponsored the Women’s Health Protection Act, federal legislation that would prohibit state or local governments from doing anything that could, even potentially or indirectly, limit abortion. This would include measures that large majorities of Americans, in pro-life states or even nationally, support, such as bans on elective abortions after a certain point in a pregnancy.

But it gets worse. Not only would the Women’s Health Protection Act prevent any pro-life laws or policies going forward, it would require state and local governments to repeal any already on the books. In other words, no state anywhere in America could, no matter how its citizens felt about it, ever have any laws, rules, regulations, practices, or anything else that could conceivably (yes, that pun was intended) limit abortion in any way.

Today, 41 states prohibit abortion during different stages of pregnancy. Fourteen of them ban abortion from conception, four after six weeks, two after 12 weeks, two after 15 or 18 weeks, and 19 after 20 weeks. Lest you think that these abortion “bans” actually prevent many abortions, nearly 94% of abortions nationally occur before 12 weeks.

The Women’s Health Protection Act would require every one of these 41 states to repeal its abortion ban. Mississippi’s 15-week ban, which was upheld by the Supreme Court in 2022, covers only 4% of abortions, but it still has to go. Utah’s 18-week ban only prohibits about 2% of abortions, but it’s still too strong. Eleven states ban abortion after “viability,” or when an unborn child might live outside the womb. That’s generally considered to be at about 24 weeks, but that law is also out the door.

Harris’ claim that the Women’s Health Protection Act simply “codifies” Roe v. Wade is not only false, but it’s especially deceptive coming from a lawyer who should know better. Even the Supreme Court in Roe said that states may ban abortion after viability and used words such as “mother” and “unborn children” more than 100 times. Except for the “W” in its title, the Women’s Health Protection Act doesn’t even use the word “woman.”

Roe v. Wade did not require taxpayers to pay for elective abortions, but this act would. Roe v. Wade also allowed states to require at least some level of parental involvement, such as notification or consent, when a young girl gets an abortion. This act would not.

In other words, the Women’s Health Protection Act would prefer coercion of a girl to have an abortion over any chance that her family or friends might help her decide otherwise.

Abortion is on the Nov. 5 ballot, and the choice is pretty stark.

Abortion advocates like Harris call themselves “pro-choice” but, it turns out, want to deny any choice to anyone about whether to protect human beings in the womb.

Thomas Jipping serves as senior legal fellow at The Heritage Foundation. Heritage is listed for identification purposes only. The views expressed in this article are the author’s own and do not reflect any institutional position for Heritage or its Board of Trustees.