Government Default – It’s Going Around

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At the end of June 2015, Puerto Rico’s governor announced the Commonwealth was unable to repay the $72 billion in bonds and obligations it has amassed.  The debt load owed by the 3.6 million Puerto Ricans is $20,000 per capita.  In comparison, the current debt crisis in Greece is more severe at $28,475 in per […]

ACI in Real Clear Policy: Student Loan Defaults

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For most graduating from high school, the best prospects for long-term self-sufficiency lie on the other side of college graduation. The odds are even better if the field of study lies in science, technology, engineering, and math (STEM), and better yet if the student earns a post-graduate shingle. But financing a college graduation is difficult […]

ACI in the Dallas Morning News

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Texas’ success and growth are largely due to its diverse and largely healthy economy, including a retail sector that, according to the Texas Retailers Association, has about 107,000 retail establishments and employs over 1.9 million Texans. Yet unlike some of its peers, this industry and the consumers it serves remain unnecessarily threatened. According to a […]

The Unseemly Scuffle over Trade

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The Trans Pacific Partnership (TPP) evolved from discussions starting in 2005.  The goal was to promote freer trade through treaties including in agriculture, intellectual property, services and investments, where the US has a comparative advantage.  Any resulting treaties would ostensibly allow our trading partners to import in areas where they excel, while Americans export goods […]

ACI in Ocala Starbanner: Florida Prep for the Storm

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While there is no preventative measure to stop a hurricane from reaching Florida, preparation is paramount and it requires going beyond buying generators and stocking up on batteries, bread and water. It requires financial preparation, which is something that Florida leadership has been focused on in recent years. In March, Citizens Property Insurance Corp., the […]

Welfare for the Rich: ACI in Real Clear Policy

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Federal and some state insurance programs are out of control. A new study finds that Florida’s biggest homeowner’s insurer – state-run Citizens Property Insurance Corporation (Citizens) – has been disproportionately subsidizing rich coastal homeowners, compared to other homeowners in the state. The statistical study, conducted by professors at the University of Chicago and University of […]

Preparing for the Storm

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While there is no preventative measure to stop a hurricane from reaching Florida, preparation is paramount and it requires going beyond buying generators and stocking up on batteries, bread and water. It requires financial preparation, which is something that Florida leadership has been focused on in recent years. In March, Citizens Property Insurance Corporation, the […]