Daily Policy Digest

Economic Issues

Is Bitcoin Real Money?

Bitcoins meet most of the criteria of money; but what ultimately gives money value is that it is accepted by others in trade for something of value and that is why scrip like Bitcoin doesn't work...

How Free Is North America?

In the world-adjusted index, Alberta, Canada, ranked highest for freedom, followed by Saskatchewan; Delaware was in third place, followed by Texas...

Only a Private Housing Finance Market Can Produce Stability

In 1957 Congress reduced the down payment requirement for Federal Housing Administration (FHA) loans to 3 percent to stimulate housing demand; by the late 1960s, foreclosures were 16 times higher for FHA mortgages than they had been in 1953...

Retirement Security Lags Asset Gains

Despite gains in the stock market and the rebound of housing values, there was only a modest improvement in the National Retirement Risk Index -- half of households were figured to be "at risk," up from 44 percent in 2007...

Fed Comes Out against Replacing $1 Bills with Coins

The Federal Reserve estimates that over 30 years, the U.S. government's costs to produce $1 coins exceed the costs to produce $1 notes by $6.9 billion...

Minimum Wage Causes Problems for Small Businesses

The SeaTac wage hike represents a 63 percent increase in pay, and it is the highest municipal minimum wage in the country...

Minimum Wage Primer

In 2011, 78.7 percent of minimum wage earners were not in poverty...

Number of Banks in United States at Lowest Levels

The number of federally insured institutions in the United States was at 6,891 in the third quarter of this year -- the first time that the number has dropped below 7,000 since the federal government began tracking these numbers in 1934...

Is There a Strong Case for Increasing the Minimum Wage?

Most of the workforce -- 70 percent -- is subject to state minimum wages that exceed the federal minimum wage...

Banking Proposals in United States and Britain Threaten Growth

New banking proposals in both the United States and United Kingdom will have adverse effects on credit availability, global capital flows and the world economy as a whole...


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