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Articles by Howard Yaruss
The City Needs 700,000 New Homes — Here’s 57,000
A city in desperate need of housing must unlock its unoccupied, uneconomic rent-stabilized apartments. A draft report from the Mamdani administration made headlines with the conclusion that New York City needs about 700,000 new homes in the next 10 years to meet existing demand and accommodate projected growth. 70,000 new homes a year would be more than four times the average number of new housing units permitted in recent years.
How Mamdani's Government-Backed Grocery Stores Will Affect New York City's Small Businesses
His plan to launch five City-backed grocery stores clashes with his promises to help mom-and-pops. My first job ever was working at my father’s Met Foods grocery store in Bensonhurst, Brooklyn. Like most of his employees, I did whatever was needed, from stocking shelves to checking out customers. I learned a lot about how small businesses survive by understanding their community's particular needs and dedicating themselves to meeting them.
Supermarkets - Vital City
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How Mamdani Can Deliver Free Buses - and Subways, Too
Start charging for street parking Of all the "far left" policies promoted by Mayor-elect Zohran Mamdani, the promise to make buses free has gotten some of the most attention. This is true even though some of his other policies would be significantly more expensive or far less workable. For example, his own campaign estimates that universal free child care will cost approximately $6 billion a year, roughly equal to the entire budget of the New York Police Department.
Educational Choice Act sparks tax fairness debate
If Republicans in Congress have their way, tax rates will be negative for a large portion of investment income. What does that even mean? Let’s start with current law. If you are fortunate enough to have purchased a stock for $1,000 and sell it for $10,000, under current law you would pay tax on the $9,000 capital gain — in other words, on the $9,000 your investment earned.
Can Crypto Change The Future Of Money?
by Howard Yaruss In the last decade, cryptocurrencies burst onto the scene, creating over $2 trillion of value. Even by today’s inflated standards, that is a lot of money, making a small number of early purchasers rich and a massive number of non-purchasers wonder if they were missing out on the chance to be become rich. Much of the hype focuses on their potential to become the latest version of something enormously important to virtually everyone: money.
A Look Inside Understandable Economics
Armonk resident Howard Yaruss released his book Understandable Economics in September 2022, a time in which poll results indicated that the economy was the top voting issue for Americans heading to the polls for the midterms. As such, Yaruss’s work, which aims to provide a better understanding of our economy without the use of jargon, formulas, graphs, or other technical material, was particularly timely.
Karen Hunter Show: Howard Yaruss
Show Karen Hunter Show, Ep Howard Yaruss - Economist, NYU professor, Attorney, Businessman, Activist, and Author of Understandable Economics - Sep 1, 2022
The City Needs 700,000 New Homes — Here’s 57,000
Crime: Looking Back at 2025, and Ahead to 2026 What happened in New York City and nationally, and what will happen next?
Retail landlords need to get greedy and rent out those storefronts
Empty storefronts rob New York City of its greatest strength—vibrant street life. Without lively, interesting and diverse streets, our city is like any other big American city. Well, not totally like them given its higher cost of living, smaller homes and greater taxes. If we expect people to continue to put up with these disadvantages, one of the problems we need to address is the record number of retail vacancies.
New York City Public Housing: Grey Gardens Revisited
NYCHA (photo: Michael Appleton/Mayoral Photography) We all know the story of deplorable living conditions and general dysfunction. Many of us were captivated by details of the wreckage and the shocking level of disrepair. We sympathized with the residents, but scratched our heads wondering what level of madness allowed such unnecessary suffering when there were ample means to alleviate it.
Trade free parking for free transit: An idea that would reduce congestion and fund mass transportation
Free parking seems to be part of the normal order of our streets, like traffic lights and crosswalks. Although metering often exists near retail and during busy times, experts estimate that approximately 97% of the city’s curbside parking spaces are given away at no cost. Recently, some public interest groups, a few city officials and the transportation committee of my community board, which I chair, have floated the idea of curtailing or eliminating this benefit.
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