ACI in Real Clear Policy: Progress on Biosimilars – Not Fast Enough

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Drugs that compete with brand-name drugs are usually called “generics.” Off-brand products that compete with an especially complex category of drugs called “biologics,” however, are called “biosimilars.” Whereas generics are chemically identical to brand-name drugs, the FDA defines a biosimilar as having a new active ingredient while being highly similar to the reference product and […]

Are Net Neutrality Advocates Really Looking Out for Consumers?

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T-Mobile recently announced a new program called Music Freedom. The program allows their customers to stream music from a variety of streaming music services, including ones like Spotify, Slacker, Pandora and others, that wouldn’t count towards customer data caps. This announcement follows in step with other wireless carriers like AT&T, who previously announced their Sponsored […]

The Scalpers From Within

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Have you or someone you know tried to buy tickets to a popular concert, but as they become available online, the tickets just happen to sellout in just minutes?  It seems to happen all the time.  The typical reaction that we hear from performing artists and promoters is that shameful scalpers and resellers have gobbled […]

Navigating the Maze of Homeowner Insurance

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Approximately 40% of the US population lives in a coastal county, and that percentage is expected to continue to increase over the next decade.  Their homes are often high value and face greater risks than properties further inland. According to the recent Storm Surge Report by CoreLogic, over 6.5 million homes along the Atlantic and […]

Senate Needs to Keep a Tax Free Internet

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Last week, after several years of attempts, the House finally voted to pass the Permanent Internet Tax Freedom Act. The bill would prohibit taxing access to the Internet at the state, local and Federal levels. The current ban on Internet taxation ends in just a bit over three months from today.  Therefore, it is important […]

Unbundling: Could It Make Education More Affordable?

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Those who cannot afford a university degree face career earnings that are substantially lower than those who are college graduates, and recent university graduates are burdened by an average of $29,000 in student loans.  The high cost for attending college is a troubling issue for both groups. The average annual undergraduate attendance cost for a public […]

Balkanizing the Internet

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The assassination of Archduke Ferdinand was the toppling domino that led to World War One.   The assassin’s action merely added to centuries of resentment and tension which made the Balkan nations ready to consider war.  Likewise, Edward Snowden is not accountable for the National Security Agency’s (NSA) surveillance of US citizens’ communications nor for its […]

Potential Consumer Strategies for Impending Interest Rate Hikes

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The Federal Reserve Board (Fed) has kept short term interest rates near zero for several years.   Large banks were able to borrow at near zero rates and lend at higher rates for home mortgages, and for automobile buyers and for businesses.  The Fed governors intended to increase interest rates when inflation approached their discomfort level […]

The Right to Revise Personal History

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The European Court of Justice requires Internet search firms to accommodate requests from the pubic who want a story removed from search results when the story links to personal information that is “inadequate, irrelevant or no longer relevant.” This new right is usually called the “right to be forgotten.” Google has removed search access to an […]