Publications
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Federal Deposit Insurance for the 21st Century
Publication -Research and Commentaries -A holdover from the 1930s-era New Deal programs, the Federal Deposit Insurance Corporation (FDIC) aims to limit the occurrence and mitigate the effects of bank closures. -
Utah Cigarette Tax Is More than Meets the Eye
Publication -Research and Commentaries -In an effort to vilify the legal act of smoking, anti-tobacco groups in Utah are pushing a $2 per pack cigarette tax, with the help of very provocative and misleading statistics on health care costs. Utah smokers in 2007 paid $73. -
Smoking Bans and Property Rights
Publication -Research and Commentaries -As President Calvin Coolidge once said, "Ultimately property rights and personal rights are the same thing. -
Massachusetts Bucking The Trend On State Employees — And Not In A Good Way
Publication -Research and Commentaries -With 29 states expected to face budget deficits next year, many governors are realizing their state payrolls have swelled well beyond their means. At least 10 states have begun freezing and/or cutting payrolls. Massachusetts Gov. -
No. 121 Housing Policy for the 21st Century
Publication -Policy Studies -In "Housing Policy for the 21st Century," William Higginson outlines several key policy recommendations he says "would have a dramatic effect on affordable housing. -
Future Deficits Inevitable Without Comprehensive Solution
Publication -Research and Commentaries -Washington's estimated $2.7 billion budget shortfall will force tough decisions to be made in the coming years, and without fiscal discipline these deficits will reoccur in larger form. -
No. 121 Housing Policy for the 21st Century
Publication -Policy Studies -In "Housing Policy for the 21st Century," William Higginson outlines several key policy recommendations he says "would have a dramatic effect on affordable housing. -
Privatization of Fannie and Freddie
Publication -Research and Commentaries -Fannie Mae and Freddie Mac are in dire straits. -
Reoccurring Budget Deficits Need Comprehensive Fix
Publication -Research and Commentaries -California is facing a $17 billion deficit along with the third-highest unemployment rate in the country. This has caused some elected officials to say the state has a revenue problem ... but the facts say otherwise. Since Gov. -
National Flood Insurance
Publication -Research and Commentaries -The recent floods in the Midwest have devastated homes across seven states, evoking memories of the last devastating flood cycle of 1993. -
Research & Commentary: TABOR, The Taxpayers Bill of Rights
Publication -Research and Commentaries -Introduction by Steven Stanek Managing Editor Budget & Tax News The Heartland Institute The more government spends, the more it taxes. The more government taxes, the more it spends. -
Freight Rail Would Save Time and Fuel
Publication -Research and Commentaries -A study released July 1 by the Association of American Railroads, written by Heartland Institute Senior Fellow Wendell Cox, shows that expanding freight rail would dramatically reduce congestion, pollution, and fuel use in urban areas ... -
No. 119 Welfare Reform after Ten Years: A State-by-State Analysis
Publication -Policy Studies -Welfare Reform after Ten Years assigns grades to the 50 states and the District of Columbia based on how they implemented the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (PRWORA), which gave states unprecedented flexibility -
No. 119 Welfare Reform after Ten Years: A State-by-State Analysis
Publication -Policy Studies -Welfare Reform after Ten Years assigns grades to the 50 states and the District of Columbia based on how they implemented the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (PRWORA), which gave states unprecedented flexibility -
A New Approach on Property and Casualty Insurance for the 21st Century
Publication -Research and Commentaries -Insurance is one of the key institutions that drives an economy. Without insurance to protect individuals from fraud and reduce financial risk, many of the business transactions we take for granted today would be impossible. -
National Catastrophe Insurance Program
Publication -Research and Commentaries -Concerned about affordable homeowners' coverage in coastal areas, the national government currently is considering proposals to expand the its role in coastal insurance. -
Short-term Effects of a Teenage Driver Cell Phone Restriction
Publication -Policy Studies -This academic study, conducted in 2008 by University of North Carolina Highway Safety Research Center Senior Research Scientist Robert D. -
Research & Commentary: Student Loans
Publication -Research and Commentaries -The credit crisis has had a significant impact on all aspects of the economy. Banks have become increasingly risk-averse, raising their loan qualification standards to levels that many consumers are unable to achieve. -
Cigarette Tax Hikes: A Feeble Attempt to Cut Smoking Rates and Balance the Budget
Publication -Research and Commentaries -Last week, the Kentucky House of Representatives approved a 25 cent increase in the state's cigarette tax in an effort to help eliminate the state's budget deficit. The tax hike is part of a budget plan proposed by Gov. -
No. 118 Property & Casualty Insurance Report Card (pdf)
Publication -Policy Studies -This report card outlines the methodology and results of a joint Heartland Institute/Competitive Enterprise Institute project to produce a 50-state report card on insurance regulation. -
How to Privatize Airports … and Why
Publication -Research and Commentaries -Most Americans are not familiar with the phenomenon of airport privatization, but they may soon be. Chicago's Midway Airport could be the first major hub airport to divest public ownership to a private company through a lease or sale. -
Research & Commentary: The Flat Tax – Will it Be Coming to Your State?
Publication -Research and Commentaries -While millions of Americans wait for Congress to consider a national flat-rate income tax, an increasing number of proactive governors and legislators are "flattening" taxes at the state level. -
Use of Credit Scoring in Insurance
Publication -Research and Commentaries -Insurers have the unenviable responsibility of crafting rate and premium structures that allow both profitability for shareholders and fairness to consumers. -
Why Is Science Being Ignored?
Publication -Research and Commentaries -The February issue of the British Medical Journal (http://heartland.org/Article.cfm?artId=22811) confirms what research has shown for years: smokeless tobacco is less harmful than traditional smoking.