Back-To-School Tax Holidays Are A Scam

The arrival of the hot, heavy days of August means that, in many places, it’s time to think about back-to-school shopping. And thanks to the confluence of shrinking school budgets and the integration of more gadgets and gizmos into classrooms, the total that parents shell out to equip their kids is big and growing. The average household is expected to spend more than $500 this year on back-to-school supplies, an increase of several hundred dollars over the amount spent just a few years ago.

In an attempt to to give parents, particularly those with little disposable income, a break from those big numbers, many states in the coming weeks will turn to an old tax policy standby: sales tax holidays.

In 2019, 16 states have sales tax holidays planned, on which sales tax is waived or cut for a select group of items, most often back-to-school supplies or disaster preparedness goods ahead of hurricane season. The vast majority of them fall on either the last week of July or in early August.

The first such holiday took place in New York in January 1997, as a response to the fact that New Jersey levies no sales tax on clothing. Florida implemented a sales tax holiday the following year, and then Texas did the same the year after that. From there, their popularity grew significantly: 2010 was the peak year, with 19 states implementing some version of a holiday.

Today, these holidays are often promoted as providing a specific benefit to “hardworking” families and low-income people by lowering the cost of goods that have been deemed necessities. And as a bonus, local small businesses that have been hurt by the rise of internet commerce will theoretically see a jump in shoppers too.

But once you get past the self-congratulatory pablum of the lawmakers hyping these holidays, you see that they are much less beneficial for low-income folks than they appear.

The theory behind sales tax holidays is simple: Because the sales tax applies to everyone equally, and because low-income people spend most of their income, a suspension of the sales tax helps them more than it will a household that saves a large percentage of its income. Indeed, most states have tax systems that take more from the poor than the rich, with sales taxes largely to blame.

Sales tax holidays wind up hurting the poorest residents.

However, a sales tax holiday does little to change that equation for a simple reason: People with less money don’t have the ability to plop a whole bunch of it down in a store when a sales tax holiday comes along. When 40 percent of households can’t even access $400 in an emergency, it’s simply not an option to spend big sums in order to take advantage of a tax gimmick. This is the same reason that low-income families can’t just buy in bulk in order to save money on household goods: They don’t have the cash to fund larger purchases, even if it would be a cheaper approach in the long run.

Richer households, though, can do just that.

Per a 2010 study by the Chicago Federal Reserve, households with incomes under $30,000 and single-parent households derive essentially no benefit whatsoever from sales tax holidays. Instead, “the wealthiest households and households consisting of married parents and young children have the largest, statistically significant response.”

Sales tax holidays may even wind up hurting the poorest residents of a state because, to make up the lost revenue, governments wind up setting the usual sales tax rate higher than it would otherwise have been. And there’s some evidence that retailers game the tax holiday system too, marking up their products in the days before the holiday and then pocketing the difference when the sales tax is removed.

But the biggest problem is that a policy aimed at giving people a break ends up undermining the sort of programs and services that would actually help those same people far more. Altogether, according to the Institute on Taxation and Economic Policy (ITEP), states will lose more than $300 million in revenue this year due to sales tax holidays. And ITEP expects that total to increase as internet shopping becomes more prevalent in the coming years, because currently nearly every sales tax holiday applies to online purchases.

That’s $300 million that won’t be spent on health care, job placement, affordable housing programs, or schools. Money that could be spent on direct services is instead plowed into a bank shot tax break that can’t possibly help low-income people more than a direct infusion of cash or more social services would. Several states implementing tax holidays for back to school season – including Texas, Oklahoma, and Alabama – still spend less per student than they did before the Great Recession. Instead of sustained investments in the classroom or tax credits aimed specifically at them, low-income parents in those states receive a gimmick.

It’s not the case, of course, that there is no benefit to anyone from these tax holidays. But the cost is not in any way justified by the help provided. Putting more money into schools so parents don’t have to pony up for hundreds of dollars worth of school supplies would do more good over the long term than trying to boost pencil sales over one weekend ever will.

Richard McGary lost his home because he wasn’t able to clean his yard.

When McGary lived in Portland, Oregon, a city inspector decided he had too much debris in his yard and cited his home as a “nuisance” property under the city’s local nuisance ordinance. McGary, who was living with AIDS, asked volunteers from a local AIDS project to help. But before they could clear the yard to the city’s satisfaction, McGary was hospitalized with AIDS-related complications. His patient advocate informed the city that McGary was an individual with a disability and requested more time, but Portland refused. The city issued a warrant for violating the city’s chronic nuisance ordinance, and charged him $1,818.83 for the cost of clean-up. When McGary couldn’t pay, Portland claimed rights to his home — and forced McGary sell it to satisfy his debt to the city.

McGary is just one of many people with disabilities who lose their homes in the estimated 2,000 municipalities across the country with “chronic nuisance ordinances” (also called “CNOs” or “crime-free ordinances”), local laws that punish residents for behaviors the city decides are “nuisances.” Most encourage or even require landlords to evict tenants whose homes are declared a nuisance — and impose fines and fees on landlords if they don’t evict and the infractions continue. In some cases, like McGary’s, cities fine homeowners or place “liens” (a debt attached to a property) to “nuisance” properties, effectively forcing a cash-strapped household to sell their home.

Definitions of a nuisance vary widely, but they can include arrests occurring near the property; failing to mow your lawn or maintain your yard; or even calling 911 “excessively.” Broad definitions of “nuisance” behavior can sweep up behavior that simply reflects a tenant’s disability, such as being unable to clean your yard or calling 911 for medical aid. In communities around the country that have utterly failed to fund social workers, substance abuse treatment, or other resources for people to turn to in a crisis, calling 911 may be or seem like the only option — and in cities with chronic nuisance ordinances, they might be evicted for it.

When it comes to calling 911, the threshold number of “excessive” calls may be quite low — for example, in Bedford, Ohio, a property can be declared a “nuisance” after just two 911 calls. After a tenant called 911 twice in three months seeking help because her boyfriend was suicidal, Bedford declared her home a nuisance and fined her landlord. Her landlord began eviction proceedings shortly after. In another case, in Baraboo, Wisconsin, a mother called the police because her daughter was harming herself and posting suicidal comments on social media; police connected her daughter to a crisis counselor, but cited their home as a nuisance

We spent the past year analyzing police reports and call logs from Midwestern municipalities that use chronic nuisance ordinances. In city after city, we saw these ordinances had a severe impact on residents with disabilities, especially residents who called 911 for medical help because of a mental health crisis, substance use disorder, or a chronic illness. When a woman in Neenah, Wisconsin discovered that her boyfriend had overdosed on heroin, she called 911 in time for paramedics to administer naloxone, a medication that can reverse opioid overdoses, and save his life. But after paramedics reversed the overdose, police charged her boyfriend — who had been in treatment for substance use disorder — with possession. Because of the overdose and the possession charge, the city told the landlord the home was about to be declared a nuisance; the landlord issued a 30-day eviction notice against the woman and her boyfriend.

Chronic nuisance ordinances violate the ADA’s promise of eliminating state-sponsored discrimination.

These cases aren’t isolated. According to a lawsuit challenging a nuisance ordinance in Maplewood, Missouri, at least 25 percent of enforcement actions in the town were related to “obvious manifestations” of disability. For example, Maplewood declared a home a nuisance after a resident with PTSD and bipolar disorder called a crisis hotline and volunteers sent local police to her home. Ohio, which has the second highest rate of opioid-related deaths in the country, is another example. Police and paramedics are trained to carry and administer naloxone to combat a crisis that’s killing more people than the AIDS epidemic at its peak. But a study of four towns in Ohio found that, in every single one, more than one in five properties that were declared nuisances were marked because of 911 calls for help during an overdose.

These laws are bad news for other marginalized tenants, too. One study in Milwaukee found that nearly a third of nuisance enforcement actions stem from domestic violence, most often against Black women. And tenants of color are impacted most: the New York Civil Liberties Union found that Rochester, New York, issued nearly five times as many nuisance enforcement actions in areas of the city with the highest concentration of people of color as it did in the whitest parts of town.

The Americans with Disabilities Act bans state and local governments from denying people with disabilities the benefits of public services, programs, or activities. Courts have read the ADA’s sweeping non-discrimination promise to cover “anything a public entity does.” By punishing people for calling 911 during a mental health crisis or for being unable to clean their front yard — in other words, punishing them for a disability — chronic nuisance ordinances violate the ADA’s promise of eliminating state-sponsored discrimination. By attaching consequences like fines and eviction to 911 calls, towns and cities deter people with disabilities from accessing police and medical services (even though people with disabilities are paying for those services with their tax dollars) and again risk violating the ADA.

McGary, the Portland resident living with AIDS who lost his home because of a chronic nuisance ordinance, sued the city arguing just that — and a federal court of appeals agreed. Portland’s nuisance ordinance applied to everyone, not just people with disabilities. But when a law burdens people with disabilities more harshly than abled people, the ADA requires that cities and states accommodate those differences, including by making exceptions to generally applicable policies. The federal court found nuisance ordinances such as Portland’s would violate the ADA if the city imposed them neutrally, without making accommodations for the unique burdens they placed on people with disabilities. They can also violate the Fair Housing Act, which prohibits municipalities from adopting policies that discriminate on the basis of race, sex, or disability.

Portland won’t be the last city in court over its nuisance ordinance. This April, the American Civil Liberties Union sued Bedford, Ohio, arguing the city’s chronic nuisance ordinance discriminates against people of color, people with disabilities, and domestic violence survivors. New York’s state legislature just passed a law to bar cities from considering 911 calls as nuisances, largely because of nuisance ordinances’ outsize impact on survivors and people with disabilities.

Ultimately, repealing these ordinances would be a step towards ensuring that people with disabilities and other marginalized tenants have access to stable housing in their communities. Towns and cities should take chronic nuisance ordinances off the books — and if they don’t, civil rights lawyers might make sure they don’t have a choice.

Editor’s note: All names have been changed for privacy reasons.

“Our home is a 28×80 four-bedroom, two-bath that we got used three years ago. It was in like-new condition for a 15-year-old home,” said David Kelley, who lives in Beauregard, a town in Lee County, Alabama, that suffered major losses during a cluster of 34 tornadoes that caused 23 deaths on March 3, 2019. His mobile home sustained significant damage. “The storm knocked it off its foundation and cracked some of the metal piers underneath the house. It destroyed the roof and rafters and busted some of the floor joists,” he said.

That storm was one of a record 1,263 tornadoes in the U.S. tracked by the National Weather Service in the first half of 2019. Many of those storms have been concentrated in the Southeastern part of the country, in a region dubbed “Dixie Alley.”

Tornadoes in the South can be particularly deadly because there’s a relatively high percentage of the population there living in mobile homes — and most of those homes are spread out in rural areas, meaning lots of people with few options to escape the path of powerful tornadoes.

Alabama and the Carolinas are consistently among the top five states with the most residents living in mobile homes — as well as in modular or manufactured housing, which is intended to be in a fixed location, but is similarly dangerous in severe storms. According to the Manufactured Housing Institute, residents of manufactured housing have a median household income of just under $30,000 per year.

Protecting these low-income, far-flung populations with limited resources from major storms isn’t easy. That made them a subject of particular interest to researchers involved in a recent University of Maryland study examining mobile homes.

The first challenge people face is receiving critical information in time to allow them to take action. The researchers found standard tornado warnings are falling short in protecting residents. In particular, mobile home residents were less accessible on social media and more dependent on their local TV meteorologist.

Researchers also found the majority of mobile home residents had incorrect assumptions about what they should do during a storm, with many believing myths and misconceptions that could be dangerous like “if you’re driving, you should take shelter under a bridge during a tornado.”

The researchers recommended that National Weather Service Weather Forecast Offices should work more closely with local newscasters to address this information gap. Similarly, forecasters could prioritize actions that mobile home residents can take to deal with limited physical supplies and inadequate shelter.

But educational campaigns can’t solve the problem completely, because residents (and the communities where they live) face significant planning challenges due to lack of resources and available services.

“Mobile home residents in our study reported statistically significantly lower perceived access to shelter and self-efficacy to take shelter compared to fixed home residents,” the researchers noted. Developing emergency evacuation plans is challenging in areas where many residents may lack reliable vehicles or other resources, or may be reluctant to leave their homes and belongings unattended for what may turn out to be a false alarm. It’s also hard to assemble an emergency kit when you can’t afford things like weather radios, hand tools, back-up batteries and chargers, or extra quantities of medications — let alone bigger items like generators.

Kelley said that in rural areas like his, residents often lack the time — and sometimes the transportation or ability — to get to a community shelter, even if they know where one is. “I wish every rural home had to have a storm shelter of some sort. We had four and a half minutes warning with this storm,” he said.

We had four and a half minutes warning with this storm.

“It’s great to have community shelters available, but if people don’t have transportation to get there, or wait till they have confirmation of an approaching tornado before they move, the shelters are not effective,” said David Roueche, an assistant professor of structural engineering at Auburn University — located in Lee County. He specializes in researching wind damage and ways to make structures better protected from high winds.

He led a team that analyzed the impact of the March 3 storm, and specifically looked at the 19 out of 23 victims who lived in manufactured homes. Their investigation revealed that all of the manufactured homes involved either had degraded anchors, had anchorage systems that apparently didn’t meet state code, or lacked ground anchors entirely. Anchors are devices – generally made of metal, sometimes coupled with concrete – that are used in conjunction with straps or tie-downs to secure the structure to the ground.

“We know it’s a problem. What can these people do? We can enforce stricter building standards to give people a much better chance of survival in their home. We can install micro-community storm shelters — as in, smaller shelters that serve a street, or a cluster of relatives — but this all takes money that the residents don’t have. So how do we prioritize the limited pre-event mitigation funding from FEMA or other groups? What other funding mechanisms can we use? These are the questions we’re asking right now,” he said.

While progress has admittedly been slow, Roueche said he is encouraged by results seen in communities such as Moore, Oklahoma, which adopted enhanced building codes to strengthen their homes, with minimal impact on home prices. He is also a proponent of storm-vulnerable inland areas adopting the same Department of Housing and Urban Development building standards recommended in Florida and coastal regions, since climate change and unusual weather patterns have increased the incidence of extreme storms in a wider range of locations.

With nowhere else to go, Kelley said his family has no choice but to stay in their home while it is being repaired. “It is coming along slow but steady,” he said. He created a memorial area on a section of his property, where he will plant 23 fruit trees — one for each of the lives lost in the storm. The memorial also has a pond and chairs where people can come and remember the victims or just enjoy some peaceful solitude.

Kelley said he hopes it will provide some comfort to local residents.

On Tuesday evening, passengers at Washington D.C.’s Reagan National Airport (DCA) were greeted with shouts of “one job should be enough!” and “when we fight, we win!” by airline catering workers holding an informational picket and rally. The UNITE HERE union members were out in force to draw attention to the conditions they’re experiencing on the job, and to warn that 15,000 fed up airline catering workers across 32 U.S. airports just voted to authorize a strike.

They want a $15 wage floor and reasonably-priced health care, and they’re united across the industry: The DCA demonstrators work for LSG Sky Chefs, which serves American Airlines at DCA. Employees at Gate Gourmet, another major industry player, joined the strike authorization; Delta Airlines and United Airlines could also be affected. Together, they account for three of the top four airlines in the United States, carrying nearly 400 million people in 2017.

Eyerusalem Retta has been working in the bowels of DCA as an airline caterer since 1989, preparing beverages for customers like American Airlines. She said her starting wage was $5.15 an hour. After 30 years of service, she makes $13.35. “Our job is hard, we need better insurance, and for many, we want better retirements. We’re almost retired!,” she told TalkPoverty. The $15 minimum wage workers are demanding would result in a wage increase for “the majority” of airline catering workers, according to the union.

American Airlines made $1.9 billion in 2018.

Organizers are also contending with the high price of employee health insurance, especially for families; Retta pays $131 dollars weekly for her five-person family, a hardship on low pay. The health care situation is especially acute for workers with a long history of service. They are facing low wages paired with growing health issues caused by a working life of demanding physical labor that need attention. Sonia Toledo, who has worked for LSG Sky Chefs in Miami for 16 years, told TalkPoverty “I don’t have it, I don’t have any health care.”

A $15 minimum wage would result in a wage increase for the majority of airline catering workers

“I’m paying for one bedroom, $1,700 a month. I have to work overtime. And sometimes, I don’t want to do it, but sometimes I need to work for Uber for extra money. It’s very tough. I’m a diabetic, I have to get medicine, I have to eat certain foods. So I gotta pay for this stuff,” said Nelson Robinson, a DCA worker who pays $50 weekly for his employer health insurance but adds that the copays are a burden.

Getting to this point has been a challenge. According to UNITE HERE, workers began negotiating a contract with Gate Gourmet in October 2017 — a company spokesperson told TalkPoverty the company “continues to work in good faith with the union” — and Sky Chefs in October 2018. But collective bargaining is difficult for airline and railway workers thanks to the Railway Labor Act of 1926, which guarantees bargaining rights in these industries with limitations. Specifically, workers can’t strike without permission from the National Mediation Board.

The union requested mediation in its negotiations with Gate Gourmet and Sky Chefs in June 2018 and January 2019 respectively as it moved into the next phase of its negotiations. Now, workers are requesting a release to strike this week, hoping the Board agrees that the parties involved are unable to agree to arbitration. Workers have signaled that they are ready to strike as soon as the 30-day cooling period is up. Passengers in San Francisco, Seattle, Chicago, Boston, Los Angeles, Atlanta, and more would notice very quickly. Several affected airports are major regional hubs, like Atlanta, where a labor disruption could be costly for airlines.

It’s not just about the pay and health insurance. Working conditions for catering crews are extremely poor. Airline food is the subject of many a late-night comedy routine, but a flight without even the basics — like water and tea — can quickly turn into an unpleasant one. In fact, airlines are legally required to provide food and water to passengers stranded in tarmac delays. Fully cleaning out and resupplying a plane from the moment it arrives at the gate to the time it pushes back is a delicate but high-speed dance; every minute counts.

The work behind that turnaround, tiny bags of pretzels, plastic-wrapped swizzle sticks, and all, can be grueling. Those working at the airport must contend with blazing tarmac heat in summer and frigid conditions in winter. Offsite locations, where food is prepared and readied for catering, are often poorly temperature-controlled as well. For those in refrigerated work environments, the cold is constant. Retta described two years with no air conditioning in the notoriously swampy climate of D.C.

Caterers also work with caustic cleaning chemicals, sharp knives, and boiling-hot industrial dishwashers, all of which expose them to the risk of occupational injuries. In 2015, a Centers for Disease Control report documented high levels of carbon dioxide in refrigerated workspaces along with lack of access to water, and noted that most entries on injury logs were “acute traumatic injuries” like knife wounds.

Most entries on injury logs were “acute traumatic injuries” like knife wounds

Gate Gourmet and Sky Chefs have both run afoul of the Occupational Safety and Health Administration (OSHA), most notably in cases involving the deaths of airport truck and lift operators or nearby employees, the people passengers are most likely to see while peering impatiently out the window to see if their planes are ready. In 2017, SkyChefs faced thousands of dollars in OSHA penalties for failing to maintain safe and operable exit routes.

Poor conditions are bad news for passengers, too. In 2018, the Food and Drug Administration cited Gate Gourmet for “dead apparent nymph and adult cockroaches too numerous to count” in one Kentucky catering facility. It is the tip of a moldy, poorly temperature-controlled, cross-contaminated iceberg.

Without strike authorization, workers can and will continue trying to negotiate with their employers. The unions has not announced any plans to leverage slowdowns, stoppages, or sickouts — such as the large number of illnesses seen among flight traffic controllers during the 2018-2019 government shutdown. (The union made it clear that they did not “condone or endorse” such activity.) It has indicated that it will continue to pursue all legal means for resolving the labor dispute. But, the union noted in reference to the DCA action, “while we will continue this process it’s important to know that American Airlines can end this dispute right now, without the need for a strike,” by setting standards for pay and health insurance for catering workers.

In the meantime, the next time you open a stroopwafel on United, think about the hands that packaged it.

LSG Sky Chefs did not respond to a request for comment.

75 percent of school districts have outstanding “lunch debt” racked up by students who couldn’t pay for meals. In large districts, that number can approach $1 million. At the end of the school year, when that debt comes due, kids with outstanding balances are denied opportunities to participate in activities, prevented from graduating, or forced to watch school cafeteria staff throw their food away. Pennsylvania’s Wyoming Valley West School District even threatened to place children owing as little as $10 for school lunch into foster care.

Now, a new Trump administration rule could make paying for lunch even harder for thousands of students. Via changes to a rule known as “categorical eligibility,” the Trump administration is trying to undermine access to the Supplemental Nutrition Assistance Program (SNAP). This program is commonly used as a basis for certifying kids for free and reduced lunch. That could increase the number of kids going hungry at home and struggling to pay for lunch at school.

Under categorical eligibility, households that qualify for certain cash benefits, including Temporary Assistance for Needy Families (TANF) and General Assistance, are treated as “categorically eligible” for SNAP. Since they have already met the income and asset tests set by the state for the other program, they do not need to endure a separate eligibility determination to qualify for SNAP.

43 states have introduced a form of this known as “broad-based categorical eligibility,” which allows people to qualify for SNAP if they are eligible for certain non-cash benefits and services funded by TANF, such as child care assistance and work supports, along with Medicaid in some states. Since many states allow households with incomes up to 200 percent of the poverty line ($50,200 per year for a family of four) to receive these benefits, this method of qualifying people for SNAP creates a gradual phase out of benefits as family incomes increase. Without broad-based categorical eligibility, anyone earning more than 130 percent of the poverty line ($32,630 per year for a family of four) could lose their SNAP benefits.

In short, broad-based categorical eligibility improves access to SNAP — and would be radically altered by the new rule that the USDA will open for public comment tomorrow. Under the rule, only people receiving “substantial” benefits valued at $50 or more would be eligible, and only if they utilized work supports, child care vouchers, and subsidized employment.

These changes could strip SNAP from 3.1 million people, and school lunch from 500,000 kids.

The USDA estimates these changes could strip SNAP from 3.1 million people in 1.7 million households. A 2019 report estimated that similar changes could threaten access to school nutrition programs for 265,000 children who get free and reduced lunch due to their SNAP enrollment. But in a June 22 phone briefing with the House Committee on Education and Labor, the USDA admitted this number could approach 500,000. And in October 2019, the USDA admitted that nearly one million children could lose their lunch benefits.

Children in 2.9 million households experienced food insecurity in 2017. And while child poverty rates are falling, 41 percent of children remain low-income and have difficulty paying in the cafeteria — one reason the U.S. has a free and reduced lunch program. During the 2018-2019 school year, 22 million students a day ate free and reduced lunch across the United States. Nearly all U.S. public and nonprofit private schools participate in the federal school nutrition program, which compensates schools on a sliding scale for every meal served.

Eligibility for free and reduced school meals can be based on an application submitted by the student. But foster and migrant youth, runaways, and children in families with benefits like SNAP (and in some cases Medicaid) are automatically qualified for free meals. They can be identified through direct certification, a federally-required process that compares school enrollment records to records maintained by local benefits agencies. Children who qualify for SNAP via broad-based categorical eligibility may not be eligible for school lunch otherwise, say advocates. The USDA disputes this claim, saying children who lose SNAP would still be eligible by applying directly, though according to the agency’s own guidelines, this might not necessarily be true, and this would increase the administrative burden on schools.

Losing school lunch has serious implications for low-income children counting on year-round nutritional supports. Even the relatively low cost of school lunch, which typically costs less than $3 at full price, can be too much for children living on the margins. Hungry children have difficulty focusing and don’t perform as well in school. They can also experience behavioral problems that disrupt their educations as well as that of other students. Research also shows growing up with nutritional deprivation can cause developmental delays and lasting physical effects.

Fewer children eating meals is a problem for the school, as well, because school nutrition is already underfunded. The government compensates schools by meal served, not by child; if children aren’t receiving meals, the district will not receive state and federal funds. Reduced funds limit the school’s or district’s purchasing power, making it harder to negotiate affordable prices to keep meal costs down. At the same time, labor costs for school cafeterias will remain relatively consistent, forcing districts to pay for food preparation, administration, and other services with reduced budgets. Dropping children from the free lunch roll will have negative effects on district finances — which, as lunch debt shaming shows, are already precarious in some districts.

SNAP is designed to secure access to safe, wholesome food for people who have difficulty affording it on their own, and if the new rule becomes reality, affected children will lose the benefits paying for food at home as well as the eligibility for food at school at the same time. Some may go hungry, while others may begin to rack up school lunch debt, one carton of milk at a time. The affordability problem won’t vanish when the SNAP benefits do, and hunger will follow children from kitchen to classroom.

Editor’s note: This article has been updated (July 29 2019) with updated numbers regarding the estimate of how many children will be dropped from the free and reduced lunch program. It was updated again (October 16 2019) to reflect the USDA’s revised numbers.

Back-To-School Tax Holidays Are A Scam

Calling 911 or Not Mowing the Lawn Can Cost Disabled People Their Homes

A Record-Breaking Tornado Season Is Pummeling Mobile Home Residents

You Think Airline Food Is Bad? The Conditions It’s Made In Are Worse.

A New Trump Rule Could Threaten School Lunch for One Million Students

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