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Articles by Albert Downs
GLAZE STORM OF MARCH 17-19, 1936, IN PENNSYLVANIA AND NEW YORK
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License Overload?
Nurses and athletic trainers need one, so do barbers and cosmetologists. Even home inspectors need one. An occupational or professional license can require hours of instruction, intense testing and, in some cases, high fees. It’s all worth it, many say, if it protects public health and safety and ensures a minimum level of quality in products and services.
Will Licensing Stay on Center Stage in 2018?
Last year, the culmination of national momentum on the review and reform of state occupational and professional licensing laws was the inaugural meeting of the 11-state Occupational Licensing Learning Consortium (OLLC).
Labor Department falters on fiduciary rule
While the political chattering class spent a recent news cycle criticizing a typo from a presidential tweet, the Trump administration’s Department of Labor actually made a meaningful policy error that will affect the lives of millions of Americans. The recent decision by DOL to move forward with implementation of the costly Obama-era “fiduciary rule” will hurt average investors and is a far cry from fulfilling the campaign promise to protect low-cost savings tools.
What Trump’s Budget Gets Right
The Trump administration has released its first full budget and the predictable Washington histrionics have begun. While the budget doesn’t fully address the real drivers of America’s long-term debt – entitlement programs like Social Security and Medicare – the president’s proposal does offer more fiscal responsibility than past White House budgets as it sets out to respect the modest discretionary spending caps established under current law and wind down the subterfuge of “off-budget” spending.
Reverse the CFPB's Overzealous Prepaid Credit Card Rule
Consumers received temporary relief recently from the overzealous Consumer Financial Protection Bureau. A six-month delay of Obama-era regulations on prepaid debit cards and other money transfer accounts was finalized – but a lasting solution is still needed to keep Washington from reaching into the wallets of everyday Americans.
Downs and Sengenberger: An insecure retirement plan for Colorado millennials - The Colorado Statesman
The “Colorado Secure Savings Plan” (CSSP) — which passed the state House and then died in the Senate “kill committee” last week — would have established a government-run retirement savings fund, paid for by “automatic payroll deductions” and managed by an unelected board of trustees. Although the bill did not make it past the Senate’s State, Veteran and Military Affairs Committee, it is worth discussing the proposal given its potential resurrection in a future session.
Washington is failing millennials
April kicks off the first ever National Social Security Month. This hokey effort by the government probably won’t get young Americans excited about the fundamentally unsustainable program, but millennials are already ironically taking part in the celebration by being saddled with debt from this outdated federal system. And not just in April. It’s no news that the federal government is careening toward dangerous and unmanageable levels of debt.
Millennials Need a 21st Century Tax Code | RealClearMarkets
Tax Day is upon us, and once again it is a reminder of how intricate and complicated the tax code really is. At nearly 75,000 pages, the code is easily the most onerous thing government ever spawned by government. As Millennials eager for economic opportunity in the short-term and sustainable growth in the long-run, we are hopeful that the President Trump and congressional leaders will pursue a new course on taxes.
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