housing
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Data Centers Aren’t the Only Reason Electricity Prices Are Surging
Government regulations and new taxes are adding a hidden ‘policy premium’ to electricity costs.
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Fannie Mae Set to Scrap 620 Credit Score Minimum — Should You Care?
The minimum score was arbitrary anyway, and lenders are able to price risk accordingly.
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Four Ways You’re Living Better Than Ever
From your life expectancy to your home to your grocery cart, living standards have soared. But continued growth isn’t guaranteed.
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•
Shooting the American Dream in the Foot?
An expanding, interventionist state is crushing the atmosphere of opportunity that once allowed the middle class to build itself up.
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The Fed Cuts, but the Market Shrugs: Why Mortgage Rates Refuse to Fall
The Fed can lower the funds rate, but only Congress can rein in the spending that keeps long-term yields — and mortgage rates — stubbornly high.
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Rent Control Will Make the Housing Crisis Worse
The frequently proposed “solution” deepens the crisis by choking supply, deterring maintenance, and driving up prices for everyone else.
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Housing’s Deep Freeze: Existing Home Sales at 25-Year Lows
Buyers are sidelined by high prices, while owners cling to historically cheap loans and high equity. The freeze is reshaping labor markets and family formation.
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The Big Chill: Mamdani’s Rent-Freeze Fantasy
Reduced rents for some tenants aren’t worth reducing the supply and quality of housing for everyone else in the city.
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Regulatory Rollbacks Begin to Combat Cali’s Housing Crisis
California’s regulatory snarl perfectly encapsulates a key flaw of intrusive governance: the “fix” for one problem often creates another.
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•
Commercial Mortgage Delinquencies Now Surpass 2008 Financial Crisis Peak
Office and multifamily mortgages are defaulting at an alarming rate, putting billions in loan value at risk.
-
•
Data Centers Aren’t the Only Reason Electricity Prices Are Surging
Government regulations and new taxes are adding a hidden ‘policy premium’ to electricity costs.
-
•
Fannie Mae Set to Scrap 620 Credit Score Minimum — Should You Care?
The minimum score was arbitrary anyway, and lenders are able to price risk accordingly.
-
•
Four Ways You’re Living Better Than Ever
From your life expectancy to your home to your grocery cart, living standards have soared. But continued growth isn’t guaranteed.
-
•
Shooting the American Dream in the Foot?
An expanding, interventionist state is crushing the atmosphere of opportunity that once allowed the middle class to build itself up.
-
•
The Fed Cuts, but the Market Shrugs: Why Mortgage Rates Refuse to Fall
The Fed can lower the funds rate, but only Congress can rein in the spending that keeps long-term yields — and mortgage rates — stubbornly high.
-
•
Rent Control Will Make the Housing Crisis Worse
The frequently proposed “solution” deepens the crisis by choking supply, deterring maintenance, and driving up prices for everyone else.
-
•
Housing’s Deep Freeze: Existing Home Sales at 25-Year Lows
Buyers are sidelined by high prices, while owners cling to historically cheap loans and high equity. The freeze is reshaping labor markets and family formation.
-
•
The Big Chill: Mamdani’s Rent-Freeze Fantasy
Reduced rents for some tenants aren’t worth reducing the supply and quality of housing for everyone else in the city.
-
•
Regulatory Rollbacks Begin to Combat Cali’s Housing Crisis
California’s regulatory snarl perfectly encapsulates a key flaw of intrusive governance: the “fix” for one problem often creates another.
-
•
Commercial Mortgage Delinquencies Now Surpass 2008 Financial Crisis Peak
Office and multifamily mortgages are defaulting at an alarming rate, putting billions in loan value at risk.