Data Point – Consumers still have a lot to pay off

Household debt as a percentage of personal income While much attention has been made of our national debt, many also personally have piled on debt, especially since 2000.  Now for the very first time, consumers have been deleveraging – and at a quick pace.  But still, most of us are still highly leveraged with credit … Read more

Well, we can certainly see the CHANGE here!

Yes, we can say that the Great Recession was a cause of this.  However, that said, has TARP and the Stimulus (according to Cheerleader-in-Chief), and all of the subsequent Obama policies help? Looks like this Change has been rejected….for the Hope is gone…  (H/T: Greg Mankiw)

Data Point – welcome to the double dip housing market.

Yeah, THIS chart goes a ways to explaining THAT chart: We’ve been worried about the housing taking a double dip.  It is rather obvious that no matter what, the policies that have been put into place thus far have engendered NO trust and faith by the public.  The housing stock already foreclosed upon is just … Read more

The Obama Administration and private business

Here’s information on the percentage of each past president’s cabinet who worked in the private business sector prior to their appointment to their  cabinet positions Uhhh…you know, "the private business sector"? As in…a real-life business, not a government job?  Here are the percentages of Presidential Cabinet members who DID work in the private sector prior to being … Read more

The Morality of Profit

Capitalism is merely the exhange of one thing of value for another: time for money money for a service money for a product We purchase only that which we value (regardless of it is something that is a want or something that we believe is a desperate need).  That is capitalism.  A transaction that we … Read more

Data Points – If the Economy could vote, Obama’s a gonner

  Today, I learned that The last quarter’s GDP growth was an anemic 1.8% growth rate is signaling that things are not what the trillions spent should be signifying.  In fact, it pretty much sucks and there is no way that this low level of growth is going help out on the unemployment rate any … Read more

Price – a decision point

Capitalism is under attack by those on the Left that believe that it is evil and that it discriminates against "the oppressed".  The major problem is that they try to wrap up both economics and their sense of morality into a bow.  If it (or anything else, for that matter) isn’t exactly to their liking, it must be bad and must be legislated, regulated, or adjudicated to the point that it would be. 

Yet, what would be better?  Here’s something to say "there isn’t" (emphasis mine):

…I’ve often annoyed friends by repeating my view that “Prices are beautiful.”  We have a tendency to view prices as deception, a trick played on consumers to scam us into paying more than we like.  Prices are information.  Like ants tracing pheremones, prices provide signals for the billions of buyers and sellers that we call “the market.”  These prices guide our savings, our production and our consumption.  Isn’t it marvelous how we can use a price to evaluate all 3 of those functions?  Prices are like a universal language!  (But far superior to Esperanto)

Our preferences conflict as multiple people want the same item.  How do we resolve this?  You could take it by force.  You could plead your case before a judge.  You could lobby a Senator for a favor.  You could stand in line and submit a request to a bureaucrat.  Or you could express your desire for the good directly to the person selling the item you desire.  The seller can then compare the intensity of your desire to that of other interested buyers.  We express the intensity of our desires (and our willingness to sell) with little tags of information called Prices!…

(H/T: Cafe Hayek)

Progressives BIGGEST problem with capitalism?  They don’t trust the sellers in selling a decent product or service, and they believe that most people will make bad decisions – or worse, the WRONG decision (in their minds).  It also allows us to make choices – and choice is one of the biggest measures of freedom.  The price of something is compared against my sense of it’s worth to me – am I willing to pay that price to fill either a need or a want?  Is it of sufficient utility to me (either in actual usage or perceived value) for me to part with part of my life (my labor) to obtain it?

Price – doesn’t solve everything but can solve a lot.

Operation Payback – my run for my School Board is not just because of the obstinence; we are paying almost $20,000 / student with barely above average results with respect to NECAP scores.  To me, even in a marketplace that is essentially a government monopoly (with insufficient competitors in the local market to provide a viable number of consumer choice), that is a price too high.

Capitalism is a voluntary exchange – either a vendor brings a product to market or not.  I, as a consumer, can purchase a product, or not (except in MA where RomneyCare forces me to buy a product, and ObamaCare will force us all to do so).

Like at Best Buy, last night.  It is not often that a TV starts to sound like a washing machine…

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Define Irony For Me

The government run schools are concerned about making sure students get some kind of an education in personal finance and economics.

Milton Friedman on Why the Democrats Tried to Fiscally Destroy New Hampshire

I just ran across this old interview of the sainted Milton Friedman. Couldn’t resist sharing it. As for the Democrats spending New Hampshire into a historically unprecedented $900 million budget deficit (and thus essentially bankrupting the state)? It’s all explained in about the last 30 seconds of the interview. Enjoy!

Uncommon Knowledge – Thomas Sowell on his updated book “Basic Economics”

I am a big fan of Uncommon Knowledge, the video series hosted by Peter Robinson of the Hoover Institute who interviews really deep thinkers.  While just a tad over a 1/2 hour, this is a great video to watch as he interviews one of my favorite economist / political philosophers, Thomas Sowell:

DON’T RAISE THE DEBT CEILING

While it is true that the political/government/ruling classes will attempt to cause as much pain and dislocation to society as possible (they’ll be looking for political gains, as always), America can actually handle a debt freeze pretty easily. Here’s why, and how, from RedState.com: Might Someone Please Educate Fox News and the Rest of the Media? … Read more

Can we be saved? Or is it too late?

Given the REAL state of the union (see below), can our nation be saved? MAYBE, says John Stossel. Probably NOT, says Prof. Walter Williams. Impossible, says the New York Times (which hates America anyway), as noted by Reason magazine’s Jacob Sullum…but then there’s a WILD CARD. There’s Freshman Senator Rand Paul….  

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