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September 12, 2023
Housing Finance Watch (Week 35 & 36, 2023)
PDF to full report Key takeaways: The median purchase rate rose 1/8 ppts. over the past week to 7 1/8%. Mortgage News Daily reported a daily avg. 30-year rate of…
September 8, 2023
Is Vote Dilution Necessarily Bad?
…advantage, rather than an electoral weakness. As recounted in Israel in the Mind of America, the 1983 book by one-time New York Times reporter Peter Grose, Silver’s American Zionist Emergency Council set about…
July 28, 2023
The Time Is Now for Workforce Innovation
…the University of Kentucky and Peter Mueser of the University of Missouri. Their WFI paper examines the performance of the Workforce Innovation and Opportunity Act (WIOA), the law that funds…
July 23, 2023
Lawlessness Is Spreading in Our Cities
…people in designer clothes, carrying $7 lattes, waltzing through emergency gates at Wall Street or on the Upper East Side.” . . . The complaint echoed that of Peter Rogoff, the chief…
July 21, 2023
Government-Supported Job Training in the US: Paths Toward Reforming the Workforce
Funding for government-supported job training in the US has been declining since the 1970s, and the current Workforce Innovation and Opportunity Act program needs administrative reform to cut red tape…
July 21, 2023
Government-Supported Job Training in the US: Paths Toward Reforming The Workforce
Funding for government-supported job training in the US has been declining since the 1970s, and the current Workforce Innovation and Opportunity Act program needs administrative reform to cut red tape…
July 21, 2023
National Home Price Appreciation (HPA) Index—June 2023
PDF to full report Key takeaways: Year-over-Year (YoY) HPA was 2.9% in June 2023, up from 2.1% a month ago and down from 14.3% a year ago. Historically, HPA in…
July 18, 2023
Yet More Absurdities in Biden’s Housing Policy
In a recent Wall Street Journal op-ed, my colleague Ed Pinto and I recently raised alarms about how the Biden administration is doubling down on the same failed policies that preceded…
July 12, 2023
Local News and Social Capital
Joseph Schumpeter famously observed that capitalism unleashed “creative destruction.”[i] If that is so for American journalism, just such a wave has, without doubt, been destroying local newspapers. What’s not yet clear…
May 23, 2023
Biden Courts Another Mortgage Crisis
The Biden administration is making moves that could imperil the safety of the housing finance system. Recent mortgage pricing changes, which have generally decreased fees for borrowers with lower credit…