image_pdfimage_print

Operation Choke Point

So much for the second amendment: firearms and ammunition sales. So much for your social life: dating services (no, I won’t include escort services). And pharmaceutical sales? Are they talking about the drugs I regularly get from Kaiser via USPS? Needless to say, racist materials, telemarketing, and even pornography are broadly protected by the first amendment. Continue Reading →

My 2017 Economic Forecast

On January 9 I had the privilege of speaking with the Hayward Rotary Club on the economic outlook for 2017. I have a video of my presentation, but it will take me some time to get it online. For now you can click here for a pdf version of my Powerpoint slides. As always, feel free to leave comments, opinions, or just chime in with your forecast. Continue Reading →

Do Consumers Really Need Protection From Excessive Overdraft Protection Fees?

“[Overdraft protection] usually serves as a short-term source of small-dollar credit in order to meet a pressing need for funds and to prevent important payments such as utilities, rent, or other bills from being denied for insufficient funds. Moreover, those who use overdraft protection do so because it is better than available alternatives.” Continue Reading →