A home can help a family build generational wealth. It is important that we work to make sure that the market is working for all. That means not just the banks, the lenders, and the real estate agents, but also the homebuyers. We oppose the regulatory capture – the market actors dictating the public policy – and work toward assuring that we all have a fair shake when we make this important purchase.
From insider trading to country club handshakes, the financial markets are both one of the most important pieces in our economy and one of the most corrupt. This is not a partisan issue and never has been – these policies and regulations effect are the backbone of the US economy. While this became evident to everyone during the 2008 financial crisis, there are still problems that persist throughout the market – and they are still largely the result of one culprit – the US Government.
Where government doesn’t exist in healthcare – service is better, prices are lower, and access is high. In the places where the most healthcare is needed – the government has involved itself and neither access or quality is available. We need to work to make sure that doctors are given opportunities to innovate, that patients are given options, and that entrepreneurs can bring solutions to the market – instead of being turned away by regulatory burdens. More work needs to be done to increase access, decrease price, and increase quality.
There are areas of the law that have become counter productive. We can both protect the public from criminals and make sure justice is actually being served. Reducing recidivism, taking a hard look at sentencing requirements, and preventing over criminalization will go a long way in making sure our laws are fair to everyone. We need to dismantle the school-to-prison pipeline, and make sure our law enforcement officers are equipped with the tools and training to be part of our community.
We are told occupational licensing is a way to ensure public safety, but it has morphed into a way to keep young upstarts from competing with entrenched interests. Young men and women, particularly those from disadvantaged backgrounds, can lose their entrepreneurial spark when confronted by the labyrinthine rules and regulations put in place by licensing schemes. Discouraged, they may turn to illegal ways to get ahead.
It is not just for the majority or those in power that our founders developed the Bill of Rights, but for those whose voices need protecting. President Obama’s Supreme Court appointees have shown themselves far too eager to dispense with the First Amendment when it suits the left’s agenda.
Energy poverty occurs when households are unable to afford their basic electric and heating needs because of high energy prices. High energy prices are destructive for all segments of the population, but for the black community the impact is even worse. Many black Americans are already at a disadvantaged economic position, with median incomes 33 percent lower than the national average as recently as 2013.