More Rungs on Home Ownership Ladder

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In the week ending April 18, 2015, the House passed H.R. 650, the Preserving Access to Manufactured Housing Act.  H.R. 650 makes helpful adjustments to Consumer Financial Protection Bureau (CFPB) regulations that govern mortgages commonly used to finance the most affordable homes, i.e. manufactured homes.  The House also passed H. R. 685, the Mortgage Choice […]

USPS Should Focus on Delivering Mail

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Last year, the United States Postal Service (USPS) began plans to expand its delivery capabilities, moving into the grocery delivery business in a test markets. It started with a partnership with Amazon Fresh in San Francisco, delivering groceries in the early morning hours to customers. Now, the Postal Regulatory Commission has signed off on further […]

Cyber Security Might Begin With Modest Legislation

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  Several data security bills are afoot in the House.  They identify obligations triggered by a cyber-breach of entities who collect and maintain personal information of individuals.  A congressional bill, H.R. 1770, defines personally identifiable information (PID) and requires notification of consumers whenever there is an important breach of PID that is stored by a […]

Reinsurance: Rational Move for Cat Fund and Florida

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The Florida Cabinet made the right decision by authorizing the Florida Hurricane Catastrophe Fund (Cat Fund, a government entity) to buy $1 billion of reinsurance as part of its $17 billion in claims-paying resources. The $1 billion of reinsurance was bought at modest cost and it will spread the cost of any calamity beyond Florida’s […]

Too Often, Government Unjustly Seizes Property

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We are too familiar with government-imposed taxes on income, property and consumption.  But there is a sleazier class of economic attack favored by some in government; eminent domain seizures and civil forfeiture.  These seizures are narrowly focused on assets of an individual and conducted without the owner’s assent.  In some cases, the purported justification is […]

Consumers and Companies Should Work Together

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Last month, a thoughtful report on norms for digital intelligence (i.e. spy-work) was released.  It acknowledges that the public resents being targeted for excessive, clumsy surveillance.  On the other hand, it correctly stipulates that government needs effective intelligence collection in order to protect the public from powerful, secretive foes, including China, Russia, and Iran. The […]

Exploring Personal Injury Protection Reforms

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Before 1972, if you suffered bodily injury in a car crash, you might need to show that you could pay your medical costs before treatment was given.  You might hire an attorney to sue the culprit for damages and after your eventual victory; you would split the damages award one-third to the attorney and two-thirds […]

Florida’s Legislative Opportunity to Save Consumers Money

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There are several important issues scheduled for this legislative session in Florida that are worth noting because they will reduce taxes and fraud, thereby saving consumers money. First, companion bills HB 7141 and SB 110 take steps to reduce cell phone taxes. Florida consumer pay over 20% tax on cell phone bills each month. For young, minorities and […]

Fraud Update: Assignment of Benefits

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Soon after last year’s minor hail events in west-central Florida a small roofing contractor left his hometown in Polk County to set up temporary headquarters in a small strip mall just off of Highway 19, near Homosassa Springs. He began trolling the southern tip of Citrus County and neighborhoods like Sugarmill Woods knocking on doors, […]

Good Food for Consumers

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The food police’s laws have suffered heretical attacks lately.  Opposition toward peanuts by parents of young children seems misplaced.  The increased incidence of allergy is likely a consequence of parental choice in feeding the children.  The standard dogma on saturated fat versus unsaturated fat has been undermined by the National Institute of Health (NIH).  This […]