Stephanie Mencimer

Stephanie Mencimer

Reporter

Stephanie works in Mother Jones' Washington bureau. A Utah native and graduate of a crappy public university not worth mentioning, she has spent the last year hanging out with angry white people who occasionally don tricorne hats and come to lunch meetings heavily armed.

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Stephanie covers legal affairs and domestic policy in Mother Jones' Washington bureau. She is the author of Blocking the Courthouse Door: How the Republican Party and Its Corporate Allies Are Taking Away Your Right to Sue. A contributing editor of the Washington Monthly, a former investigative reporter at the Washington Post, and a senior writer at the Washington City Paper, she was nominated for a National Magazine Award in 2004 for a Washington Monthly article about myths surrounding the medical malpractice system. In 2000, she won the Harry Chapin Media award for reporting on poverty and hunger, and her 2010 story in Mother Jones of the collapse of the welfare system in Georgia and elsewhere won a Casey Medal for Meritorious Journalism.

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Voters Shut Out of Indiana Primary Will Have to Appeal to Higher Authority

| Wed May 7, 2008 5:57 PM EDT

I hope someone informs the Supreme Court's mostly Catholic majority that their recent decision to uphold Indiana's voter ID law prevented a convent full of elderly and disabled nuns from casting a vote in yesterday's Democratic primary. In its decision, the court insisted the state had a legitimate interest in depriving lots of people of their right to vote because it would deter phantom fraudsters, even though the state has never had a single documented case of voter impersonation fraud. Clearly, the justices hadn't anticipated the sisters, who don't drive and didn't have much need of ID in the convent. Now shut out of court and the voting booth, the Indiana brides of Christ will have to appeal to God for a remedy.

Carbon Offsets For Tummy Tucks?

| Wed Apr. 30, 2008 11:45 AM EDT

Plastic surgery has long posed serious risks for many of its vain victims: death from infection, bursting boobs, migrating silicone and the like. But who knew it was also bad for the environment? The Washington City Paper reports that disposing of all the fat sucked out of people during liposuction and tummy tucks puts 1,000 tons of carbon into the atmosphere every year, largely because the fat (which is 78 percent carbon) is incinerated.

Since belly fat as biodiesel is a tough sell, a local upscale plastic surgery practice is now buying carbon offsets to cover disposing of its nips and tucks. The surgeons tell CP that while jogging would be a healthier alternative for shedding all that fat, it wouldn't make much difference on the environment because the exercise would still "liberate" carbon into the atmosphere. I find this claim somewhat dubious (especially given the self-interest of the source), but since I'm too science challenged to work this out on my own, I'll put this to you, dear readers: Are joggers really the human versions of farting cows, huffing out more carbon that fat incinerators?

Banks Give New Meaning to Protection Racket

| Thu Apr. 24, 2008 10:12 AM EDT

Payday loans have gotten a lot of bad press lately as state governments attempt to crack down on the "legal loansharking" outfits that make very short term loans with interest rates going as high as 500 percent. But a new study by Marc Anthony Fusaro, a professor of economics at East Carolina University, found that the overdraft loans given by banks these days make payday lenders look like a bargain. In their "bounce protection" programs, banks will cover checks and ATM withdrawals that exceed customers' balances so they don't incur fees from merchants for bounced checks. This "courtesy" service, which most customers never ask for, comes at a huge cost.

Insufficient fund fees have become a major cash cow for banks, particularly during the latest credit crisis. The Center for Responsible Lending has found that with an average fee of $34, overdraft protection loans generate more than $17 billion a year for banks. About half the fees are triggered when people use debt cards for a small purchase, which the bank allows even though they have no money in their account.

Fusaro looked at overdraft protection as a form of a short-term loan and found that people who occasionally bounce checks (between 1 and 10 times a year) pay interest rates exceeding 6,000 percent. Chronic bouncers in the study, who make up a small percentage of bank customers, paid more than $3,000 in fees annually for the privilege. The average size of the overdraft was pretty small, between $90 and $300. The most extreme case in the study was one poor soul who had a $3 overdraft outstanding for one day, which resulted in an intereste rate of 260,245 percent, a hefty surcharge for using a debt card for a latte.

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