For many years, community financial institutions have been denied fair and equal access to the secondary market. Banks prosper by making prudent loans with an adequate return and maintaining a reasonable cost structure. Today 97 percent of our banks are community banks and they are increasingly finding this business model under siege.

The federal government can and should play a limited but important role in helping the nation address the challenge of  improving the productivity of education spending.

As the United States approaches the bottom of the housing bust, American Enterprise Institute (AEI) housing expert Alex Pollock explains in a recently published piece that there are seven necessary steps to avoid another housing collapse.

How do supplemental educationonial services impact student achievement and what makes SES effective or why does it fails?

Quick: How many kinds of gasoline do we use in America? Most people would say three or six: regular unleaded, mid-grade, and premium, along with the ethanol blends of the same that have become nearly universal. The actual number is somewhere above 45, though hard to pin down exactly, according...

The fat years of the housing bubble lasted from 1999 to 2006 - seven years. The bubble was deflating by the beginning of 2007 and collapsed into the panics of 2007-09. Since then we have been struggling in its deflated wake. If we get the Biblical sum of seven lean years, the housing and related debt markets will bottom in 2013 - not a bad forecast. 

The housing finance system of the future needs to have countercyclical factors built into it and much bigger loan loss reserves in good times to avoid the illusory profits which feed booms and bubbles.

Over the past few months, there has been a marked intensification of the Eurozone debt crisis that could have major implications for the United States economy in 2012.