Helen Redding is a Waterloo entrepreneur, business owner and and strong woman of faith. Over the past several years, after opening her salon, Helen has created multiple other businesses with her husband and children.

Going to a bank to get a loan should be an easy process if you have everything ready to go. Getting that loan from a bank, especially when you have business experience, good credit, and references, and proven success should be an easy process, and most banks will tout how easy it is to qualify for a loan too.

Unfortunately, even with advanced qualifications, Black Americans are twice as likely to get denied a loan. Systemic racism has busted the racial wealth gap wide open, and predatory lending practices perpetuate the gap. 

President Joe Biden appointed former Iowa Governor Chet Culver to the Federal Agricultural Mortgage Corporation’s board of directors this week. Assuming Culver is confirmed by the U.S. Senate, it will be his second term on the Farmer Mac board. President Barack Obama named Culver to the board in 2011, and the Senate confirmed him by voice vote in March 2012. President Donald Trump removed Culver from the position in December 2019, replacing him with LaJuana Wilcher, the current board chair.

As a group, Iowa’s U.S. House members have less seniority than at any time in more than a century. But their lack of experience in Congress didn’t translate into undesirable committee assignments.

On the contrary: Iowa’s two-term Democrat and three Republican newcomers will all serve on influential panels.

Ira Lacher: We may don masks to keep ourselves safe from the novel coronavirus, but no amount of #We’reInThisTogether can mask that we are far apart. -promoted by Laura Belin

“REOPENINGS EXPOSE U.S. DIVISIONS” proclaimed Saturday’s New York Times.

A Google search for “divided America” returns 417 million pages.

Writing in The Atlantic, George Packer reveals what should be as plain as the masks on our faces and the gloves on our hands: Because of our many divisions, America is rapidly becoming a failed state:

Dan Piller speculates on what the federal government might attempt if the 2020 presidential and Congressional elections swing toward Democrats. -promoted by Laura Belin

Democrats have learned, the hard way, to never count on a landslide before votes are cast. But the combination of a 1930s-style economic collapse, President Donald Trump’s manic blunderings, and his dismal poll numbers no doubt generate dreams in progressive minds of a landslide election in November that sweeps them into unchallengeable control of both the White House and congress in a manner similar to the Democratic sweeps of 1932 or 1964.

So what might happen if Joe Biden and a host of happy progressives settle into power in Washington next January (probably after walking past gun-toting, camouflage-wearing Trumpers making a Last Stand)?

Skip Kaltenheuser is a writer based in Washington, DC. This piece is cross-posted from DownWithTyranny. -promoted by Laura Belin

Banks, including on Wall Street, fear no one like they fear Bernie Sanders.

I’m sure they’re not keen on Elizabeth Warren, but Bernie strikes a unique terror, because banks know anyone taking them on will have to wield the bully pulpit against them like FDR did. Bernie can do that. And heading up a ticket, no one else will do as well in critical precincts in the upper midwest, Pennsylvania and elsewhere that went for Obama twice, then flipped for Trump when people chose him as the middle finger to Washington, and to Democrats like Obama’s Treasury Secretary, Timothy Geithner, who famously stated that housing policies were “foaming the runway for the banks.”