In The Coming Mobile Payments Duel, Consumers Win

computer theft

Payment systems can be a dry topic until your credit card stops working or until hackers dip into your credit. Then our interest is piqued in how to avoid today’s clunky credit cards. Mobile payments will deliver more convenience and much more safety for consumers. Unlike the security exposure of credit card signatures and numbers […]

Federal Agencies Squabble Over Privacy Turf

government issues

Over the tenure of his administration, President Obama has been promising to reach the remaining few percent of folks that currently don’t have access to broadband Internet. His aptly titled “National Broadband Plan” is slated to cost as much as $350 billion and hasn’t yet provided the service level people expected. As a result the […]

Choosing a Wireless Service?

Mobile communications and social networking concept

American consumers are fortunate to have four large-scale wireless service providers, plus a few carriers who service specialized territories or discount options, such as prepaid services. According to the big four’s second quarter 2014 financial reports, Verizon and AT&T each serve over 100 million retail wireless connections (phones, tablets, and personal Wi Fi hotspot devices). […]

Property Insurance: What Happens After the NC Hearing?

House

The Homeowners Insurance Rate Hearing finally began last week in Raleigh after being threatened by the North Carolina state Insurance Commissioner Goodwin back in January. It was pretty clear that unless the Rate Bureau and the member insurers withdrew the request, there would be a hearing. Since the leadership of the Rate Bureau believes its […]

Generational Theft: Some Deficits Hurt Young Workers the Most

dollars

What do the national debt, Social Security, and many defined benefit pensions have in common? No one expects the citizens of one generation to pay their own way. In recent years, only part of current federal spending is covered by current tax collections – the rest is funded from borrowed money that future generations are […]

If Skilled Workers Don’t Come, the U.S. Loses

technology-header

As Washington continues to debate immigration, one aspect of our immigration laws that are sometimes overlooked is that of high-skilled immigrants seeking to work in the US. Immigrants with education and experience in the STEM fields can apply for an H-1B visa, of which there are 85,000 visas available on a yearly basis. These visas […]

It’s Comparable, Comparable, Comparable

ghost house

Fannie Mae and Freddie Mac announced that they will be loosening the penalties they impose on mortgage originators. A deluge of mortgages defaulted during the great recession, resulting in the current regulations designed to help resist a repeat.  Much of the tougher rules govern percent of market value that can be mortgaged, income to debt […]

The Looming Retirement Income Debacle

empty wallet 1140x445

Many Americans are anxious as they contemplate retirement. While we might hope with optimism, reality paints a gloomy picture.  The average Social Security retirement benefit is $1,301 per month, basically the poverty level, and it is too small for a comfortable retirement. Relatively few Americans will retire with an employer pension, and some pension promises […]

GMOs — No Room for Imaginary Problems

crops

Agricultural production faces a steep challenge as the world population is expected to grow from 7 billion to 10 billion by 2050.  Many aspects of agriculture and consumer expectations will change in order for another 3 billion people to sit at the table. The agricultural retooling will take place while nations juggle environmental factors such […]

Stratospheric Drug Prices Are Curable

drug vials

Most of American’s activity is focused on work, education, entertainment, and social interactions. Some exercise intentionally to maintain their health and some get healthful exercise through their employment, but it’s unlikely that much of our attention is focused on health care.  One sixth of our economy is tied to health care, but we can remain […]