Sitemap - 2025 - Economic and Political Insights
A Preliminary Note on ACA Subsidies, CHIP, and a Neglected Source of Taxpayer Savings
Three Essays on Streaming Mergers
Economic & Political Insights — Weekly Memo. -- Events in New York
Bipartisan Failure on Health Care
Neither Party Is Solving the Household Debt Problem
Evaluating Republican Alternatives to ACA Premium Tax Credits
The ACA Subsidy Debate Misses the Real Cost Drivers
A third party candidate can win ME 2
TGT vs. WMT: A Widening Valuation Gap
How the New Federal Scholarship Credit Will Reshape School Choice
Where Centrists Can Win in Colorado
Where to Find All New Personal Finance Posts
A Brief Note on the ACA Subsidy Debate
Competition in the Education Industry: An Industrial Organization Perspective
Personal Finance in the Real World
Why a $20,000 Raise Doesn’t Feel Like a $20,000 Raise
The Cheap Fix Republicans Won’t Touch: Medicaid Expansion Could Cut ACA Costs
The Viable Path for the Immediate Emergence of a Third Party
The Case for a Third Party Now
The Life-Cycle Inconsistency at the Center of U.S. Saving Policy
The Reemergence of Volatility in the Tech Sector:
How the 2025 Tax Law Quietly Reshaped Medical Student Debt
When Mortgage Debt Meets Retirement: Why Roth Assets Matter More Than You Think
Does the Timing of Retirement Distributions Matter?
Rethinking the “Roth Last” Rule
When the Market Falls, Roths Cushion — But Don’t Save the Day
Impact of 2025 Tax Law Changes on Young Doctors
How Roth Allocations Quietly Extend Retirement Life
The Narrow Fight Over Subsidies Misses the Real Health Insurance Crisis
Roth IRAs as an Inflation Hedge in a World of Frozen Social Security Tax Thresholds
The Student Debt Trap Both Parties Built
When HDHP Beats Standard: A GEHA Case Study
Health Reform Has Stalled — Here Is a Governable Alternative
CHAT GPT, My New Statistics Tutor
Food Stocks Are Crashing — Is This Finally the Bottom?
What Drives Price in Large-Cap Equities: Earnings Alone, or Earnings × Growth?
Sales Growth Differences Across Growth, Value, and Overlap Stocks in VOOG and VOOV Holdings
A Statistically Well-Behaved Transformation of P/E for Growth–Value Inference
Recent articles on student debt
Finding Value in Growth: Regression Insights from VOOG’s Top 24 Firms
Tricolor’s Fall and the Subprime Fault Line
Inflation and the RAP Trap: How Rising Prices Undermine Loan Affordability
Global vs. Notable Consumer Staples: A Deep Dive into Four U.S. Leaders
Five Key Lessons from A Third-Party Health Care Reform Plan – available free to all paid subscribers
Rethinking P/E Ratios in Small-Cap Growth: A Practical Test of a Better Metric
Four Times the Cost, Twice the Time: The RAP Shift for $12,000 Borrowers
FICO Strikes Back — A Quick Note for All Readers
Four quality stocks facing headwinds: What to do?
Four Quality Stocks in the Valley: When to Step In
Another Shutdown Looms — and Health Care Is at the Center
Impact of Tax-Deferred Retirement Contributions on RAP-Style Student Loan Repayment
Biden Versus Trump on Health Care
Weekly Financial Insights September 26, 2025
Two Tech Booms, Two Geopolitical Environments: Why Gold Fell in the 1990s and Rises Today
Used Car Loan Affordability Analysis 2015–2025
The Case for a Third Party Health Care Reform Plan
Series I Bonds vs. Bond Funds: 27 Years of Head-to-Head Results
Putting some technical material behind paywall.
Three posts on saving for and in retirement
Series I Bonds: Practical Guidance, Portfolio Applications, and Policy Pathways
Should You Save for Retirement or Pay Off Student Loans First?
Why the 4% Rule Could Ruin Your Retirement
Reemergence of 2020 Progressive Health Care Proposal in 2028
Using CHAT GPT to Learn New Financial Topics
Health Reform in Transition: From Biden’s Expansion to Trump’s Revisions
The Sequence of Returns Puzzle: Why Timing Hurts Workers and Retirees in Opposite Ways
Broad Market vs. Sector ETFs: Risk & Return Revisited (2007–2024)
Student Debt 2025: What Biden Tried, What Trump Changed, and a Better Way Forward
New post announcement on how AI can help manage your portfolio
How CHAT GPT advised me about portfolio diversification strategies
Tax creep from lack of indexation of Social Security benefits included in AGI
Implications of student debt provisions in the July 4, 2025, Tax Bill
The Case for a Third Party Health Care Agenda
Ramifications of Medicaid Double Dipping
Annotated Health Insurance Bibliography
Improving Health Insurance Outcomes with Employer Subsidies of State Exchange Health Insurance
A perverse surprise for some Repayment Assistance Plan (RAP) borrowers
Using CHATGPT to compare McDonalds and Starbucks
Impact of Flexible Spending Accounts Contributions on payroll taxes and Social Security benefits
Mitigating Problems with High Out-of-Pocket Health Costs
Summary of WSJ article on Mamdani and the Jews.
The impact of the big, beautiful bill on the number of uninsured
Discussion of the 2025 New York Democratic Mayoral Primary
Time to buy stocks of food companies?
Arbitrary Financial Protocols and Rules Favoring Wall Street Over You
Younger workers need to prioritize debt reduction over saving for retirement
Mistakes made by many fixed-income investors
A Quiz on the Use of Individual Retirement Accounts
How to protect workers from inflation
Tesla Price Targets are too High
How best to expand access to out-of-network providers
Ten Comments on The Big, Beautiful Bill
Inconsistent answers from Google AI on an important economic issue
Case for redirecting resources from Ivy league Schools
Taxes and auto registration fees as an alternative to the California emission standard
The Potential Collapse of the Democratic Party
An Analysis of the Republican Student Debt Plan
The Democratic Party’s Leftward Drift and the 2026 Elections
Helping Investors Withstand Current and Future Market Turmoil
The Legal Case Against Tariffs
A 2028 Position Paper on Capital Gains Taxes
The 2028 Health Care Transformation Act
How best to expand access to health care providers
Protecting Workers Saving for Retirement from Inflation
Should Democrats Adopt Medicare-for-All in 2028?
Thoughts on The Medical Necessity Review Process