America’s growing regulatory burden the country has slipped from 23rd to 80th in the global rankings
Where will the boot land next?
Investors and companies struggle with the arbitrary nature of new taxes and regulations
WHEN economists talk of political risk, they usually mean war, terrorism or, at the very least, national elections. And 2014 will be a busy year at the polls, with votes in Brazil, India and Indonesia (among the big emerging markets), plus America’s mid-terms. Countries with a combined population of more than 2 billion will be endorsing or rejecting their current governments.
But there is another kind of political risk: the temptation for governments of all political colours to change the rules, whether they relate to tax, the way that companies operate or how markets behave. And that risk has increased significantly since the 2008 crisis.
Given the scale of the banking collapse, extra regulation of the financial industry was only to be expected. New rules requiring banks to hold more capital should make future crises less severe, although the immediate effect may be to restrict lending to firms as banks shrink their balance-sheets. Some other regulatory efforts—the European Union’s financial-transactions tax, for example, or its alternative-investment fund managers directive—look rather less useful
Barack Obama’s supporters are worried that he is a terrible manager
Nov 2nd 2013 | WASHINGTON, DC
NOT everyone is miffed that the Obamacare website is all but un-navigable. Scammers in Tennessee, posing as government workers, are calling frustrated would-be users of healthcare.gov—any number in the telephone book has a good chance of finding one—and offering to walk them through the tortuous process of buying health insurance for $100 upfront. Some also ask the befuddled for their Social Security number.
As Americans grouch about the bungled launch of Barack Obama’s most important domestic reform, the rest of the world is furious to learn that his National Security Agency (NSA) has tapped the phones of America’s allies such as Angela Merkel, the German chancellor, and hoovered up details of their citizens’ communications. That these two things should happen at the same time is coincidence. Yet there is something that connects them.
Road Warrior: Weighing red-light camera options
Sunday, November 17, 2013
By JOHN CICHOWSKI
ROAD WARRIOR COLUMNIST
As the countdown to the new year begins, New Jersey motorists can look forward to a big showdown that has nothing to do with the super pigskin battle at MetLife Stadium in February or the midterm tussle for congressional seats next November.
This battle focuses on a question that has divided 6 million licensees: Should cameras that ticket drivers who fail to stop at troublesome red-light intersections continue to operate, or should they be scrapped?
By December 2014, the question should be settled once and for all, when a five-year pilot program in 25 New Jersey communities is scheduled to end. It’s up to the governor and the Legislature to decide: Write off these 76 cameras as a faulty safety experiment that has succeeded mostly in raising ticket revenue for communities? Or continue it — and perhaps add more communities and more cameras — in an effort to reduce injuries and deaths caused by highly dangerous side-impact crashes?
TIC TOC Theatre & Art Presents the Legend of Sleepy Hollow today 2pm at Benjamin Franklin Middle School
TIC TOC Theatre & Art sponsors live, professional performances each year encompassing Drama, Comedy, Musical Theatre and Dance.
Our goal is to provide children with outstanding entertainment at affordable prices, close to home.
Most Performances are held at the Benjamin Franklin Middle School, located at 335 North Van Dien Avenue in Ridgewood. *2013 Beayuty and the Beast will be at the George Washington Middle School, located at 155 Washington Place in Ridgewood.
Tickets are offered at the modest price of $16 .
Special group sales – buy 10 or more tickets for $14 each. Click on purchase form below to download a Season Ticket Purchase Form. To book early, please call: 201-447-9110.
https://www.tictoc.org/Theatre/BROCHURE.pdf
Order tickets by sending your check with a stamped, self-addressed business-size envelope to:
Please indicate which performance you wish to attend and the number of tickets required. Be sure to allow enough time for us to mail you the tickets prior to the performance.
Mail in orders preferable. Within two weeks of show date, please call (201) 447-9110 to reserve tickets. Payment and pickup at the theatre.
Seniors pursue new opportunities
Friday, November 15, 2013
BY BRYAN WASSEL
FOR THE RIDGEWOOD NEWS
The Ridgewood News
Seniors learned the best ways to contribute time and experience to their communities during the latest program in Bergen Community College’s (BCC) Seniors in Suburbia series.
The BCC Suburban Studies Group and the Village of Ridgewood Community Center came together last week to host the event, which discussed how seniors can best spend their time and find meaningful activities in their communities. The program looked at ways seniors can become involved in their towns and find satisfaction.
“Being a senior citizen is not for sissies. You’re confronting a new way of life,” said Philip Dolce, BCC head of Social Sciences. “When you were 13 and your mother or father said, ‘What do you want to be?,’ you had to have an answer. I have news for you: When you’re a senior citizen, they’re asking, ‘What do you want to do with the rest of your life?’ It takes courage.”
Ridgewood Maroons roll past East Orange, 63-34
Saturday, November 16, 2013
BY JIM MCCONVILLE
SPECIAL TO THE RECORD
The Record
RIDGEWOOD — It’s a good thing you don’t get points for time of possession, because Ridgewood would never get any. The Maroons’ high powered offense was on display again Friday night in the opening round of the North 1, Group 5 playoffs.
Ridgewood ran only 30 offensive plays, yet scored nine touchdowns. Four came on the first play of a possession as the Maroons ran away from East Orange, 63-34, to advance to the semifinals next Friday against Passaic Tech.
The Maroons defeated the Bulldogs, 41-18, last week in a regular-season game.
“They just couldn’t stop us,” Ridgewood coach Chuck Johnson said.
His team had 11 plays of 20 or more yards and at one point in the second quarter, the Maroons scored on four consecutive offensive snaps.
Having beaten the Jaguars, 53-0, a month ago, it was important for Ridgewood (9-0) to get off to a quick start. Four plays into the game, Cooper Telesco scored on a 13-yard run and Ridgewood never looked back. Telesco added two more touchdowns in the first half and had all of his 111 rushing yards before halftime.
– See more at: https://www.northjersey.com/sports/232165301_H_S__football__Ridgewood_rolls_past_East_Orange__63-34.html#sthash.vPevrvuv.dpuf
Keynesian Economics, Government Shutdowns, and Economic Growth
By Daniel J. Mitchell
October 30, 2013 3:14PM
Keynesian economics is the perpetual motion machine of the left. You build a model that assumes government spending is good for the economy and you assume that there are zero costs when the government diverts money from the private sector.
With that type of model, you then automatically generate predictions that bigger government will “stimulate’ growth and create jobs. Heck, sometimes you even admit that you don’t look at real world numbers.
This perhaps explains why Keynesian economics has a long track record of failure. It didn’t work for Hoover and Roosevelt in the 1930s. It didn’t work for Nixon, Ford, and Carter in the 1970s. It didn’t work for Japan in the 1990s. And it hasn’t worked this century for either Bush or Obama.
But politicians love Keynesian theory because it tells them that their vice is a virtue. They’re not buying votes with other people’s money, they’re “stimulating” the economy!
Given this background, you won’t be surprised to learn that Keynesians are now arguing that the recent partial government shudown hurt growth.
Here’s some of what Standard and Poor’s wrote about that fight and why the shutdown supposedly reduced economic output, along with their warning of economic cataclysm if politicians had been forced to balance the budget in the absence of an increase in the debt ceiling:
…the shutdown has shaved at least 0.6% off of annualized fourth-quarter 2013 GDP growth, or taken $24 billion out of the economy. …the resulting sudden, unplanned contraction of current spending could see government spending cut by about 4% of annualized GDP. That would put the economy in a recession and wipeout much of the economic progress made by the recovery from the Great Recession. …The bottom line is the government shutdown has hurt the U.S. economy.
Part of me wonders whether the bottom line is that S&P was simply looking for an excuse for having made a flawed economic prediction earlier in the year. They basically admit they goofed (though, to be fair, all economists are lousy forecasters), as you can see from this excerpt, but we’re supposed to blame the lower GDP number on insufficient government spending.
In September, we expected 3% annualized growth in the fourth quarter… Since our forecast didn’t hold, we now have to lower our fourth-quarter growth estimate to closer to 2%.
Unsurprisingly, the Obama Administration has been highlighting S&P’s analysis:
A number of private sector analyses have estimated that the shutdown reduced the annualized growth rate of GDP in the fourth quarter by anywhere from 0.2 percentage point (as estimated by JP Morgan) to 0.6 percentage point (as estimated by Standard and Poor’s)… Most of the private sector analyses are based on models that predict the impact of the shutdown based on the reduction in government services over that period.
And the establishment press predictably carried water for the White House, echoing the S&P number. Here’s an example from Time magazine:
The financial services company said the shutdown, which ended with a deal late Wednesday night after 16 days, took $24 billion out of the U.S. economy, and reduced projected fourth-quarter GDP growth from 3 percent to 2.4 percent.
If nothing else, this is a good example of how a number gets concocted and becomes part of the public policy discussion. Let’s take a step back,however, and analyze whether that $24 billion number has any merit.
The Keynesian interpretation is that the shutdown took money “out of the economy.” According to the theory, money apparently disappears if government doesn’t spend it.
In reality, though, less government spending means that more funds are available in credit markets for private spending. This video explains why Keynesian theory is misguided.
And if you want to dig further into the issue, you can click here for a video that explains why we might get better decisions if policy makers focused on how we earn income rather than how we allocate income.
Now that I’ve shared the basic arguments against Keynesian economics, let me give two caveats.
First, resources don’t get instantaneously reallocated when the burden of government spending is reduced. So I’ve always been willing to admit there could be a few speed bumps as some additional labor and capital get absorbed into the productive sector of the economy.
Second, a nation can artificially enjoy more consumption for a period of time by borrowing from overseas. So if deficit spending is financed to a degree by foreigners, overall spending in the economy will be higher and people will feel more prosperous.
But these caveats aren’t arguments for more spending. The ongoing damage of counterproductive government outlays is much larger and more serious than the transitory costs of redeploying resources when spending is reduced. And overseas borrowing at best creates illusory growth that will be more than offset when the bills come due.
Ultimately, the real-world evidence is probably the clincher for most people. As noted above, it’s hard to find a successful example of Keynesian spending.
Yet we have good evidence of nations growing faster when government outlays are being controlled, including Canada in the 1990s and the United States during both the Reagan years and Clinton years.
And the Baltic nations imposed genuine spending cuts and are now doing much better than other European countries that relied on either Keynesian spending or the tax-hike version of austerity.
$3,500 in RIDGEWOOD MLS # 1340361 116 CIRCLE AVE, RIDGEWOOD, NJ 07450 4 Bedroom, 3 Full Bath, 1 Half Bath, HO– USE William F. Gilsenan Jr, Broker Penny Reveley, Sales Associate Gilsenan & Co. Open House: 1:00PM-4:00PM Sun. 11/17
For North Jersey homeowners, rentals may be ticket to Super Bowl windfall
Saturday November 16, 2013, 11:54 PM
BY KATHLEEN LYNN
STAFF WRITER
The Record
With the Super Bowl less than three months away, more North Jersey homeowners are trying to rent out their homes to out-of-town football fans — asking as much as $10,000 a night.
“Not many people have this opportunity, so I’m jumping on it,” said Bobby Adamo, 31, of North Arlington, who is asking $30,000 rent for a week for his home 5½ miles from MetLife Stadium in East Rutherford, where the game will be played on Feb. 2. “It’s kind of an honor to have the Super Bowl around the corner from your house. When I heard the Super Bowl was coming, I thought, ‘I am SO doing this.’ ”
Adamo and other homeowners are hoping that fans who can’t find a hotel room — or want more space — will choose to rent homes in North Jersey. The number of short-term Super Bowl rentals listed on Internet sites has been on the rise as the game draws closer.
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17
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10
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Weichert Realtors Ridgewood
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15
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Jacques Papanikolaou,
Weichert Realtors Ridgewood
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12
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25
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440 CAMBRIDGE RD, RIDGEWOOD, NJ 07450
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Terrie O’Connor Realtors/Wyckoff
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15
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Terrie O’Connor Realtors/Ridgewood
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15
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MLS # 1340360
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Gilsenan & Co.
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17
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MLS # 1340237
320 MEADOWBROOK AVE, RIDGEWOOD, NJ 07450
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Keller Williams Village Square Realty
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20
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MLS # 1326536
515 STERLING PL, RIDGEWOOD, NJ 07450
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Gilsenan & Co.
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– See more at: https://www.njmls.com/NJ/BERGEN/RIDGEWOOD-open-houses#sthash.C0Xk1uy5.jFzN3Uhg.dpuf
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Tarvin Realtors
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23
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MLS # 1335968
744 UPPER BLVD, RIDGEWOOD, NJ 07450
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Terrie O’Connor Realtors/Ridgewood
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15
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21
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24
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15
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Tarvin Realtors
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16
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271 GREENWAY RD, RIDGEWOOD, NJ 07450
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Coldwell Banker, Ridgewood
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25
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MLS # 1339761
184 BEECHWOOD RD, RIDGEWOOD, NJ 07450
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Tarvin Realtors
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1
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MLS # 1334460
49 PARK SLOPE , RIDGEWOOD, NJ 07450
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Keller Williams Village Square Realty
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15
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237 MOUNTAIN AVE, RIDGEWOOD, NJ 07450
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– See more at: https://www.njmls.com/NJ/BERGEN/RIDGEWOOD-open-houses#sthash.C0Xk1uy5.jFzN3Uhg.dpuf
Are Millennials Turning Their Backs on the American Dream?
By Joel Kotkin
November 10th 20136:45 am
Pundits on the left and right agree that millennials don’t share the same American dreams that inspired their parents. Could this diagnosis be wrong?
In his classic 1893 essay, “The Significance of the Frontier in American History,” historian Frederick Jackson Turner spoke of “the expansive character of American life.” Even though the frontier was closing, Turner argued, the fundamental nature of Americans was still defined by their incessant probing for “a new field of opportunity.” Turner’s claim held true for at least a century—during that time, the American spirit generated relentless technological improvement, the gradual creation of a mass middle class, and the integration of ever more diverse immigrants into the national narrative.
Yet today, many consider this modern period of “expansiveness” to be as doomed as the prairie frontier culture whose denouement Turner portrayed. Nothing makes this clearer than the perception of a majority of middle class Americans that their children will not do better than them, with as many as pessimistic about the future as are optimistic. Almost one-third of the public, according to Pew, consider themselves “lower” class , as opposed to middle class, up from barely one quarter in 2008.
Prosecute HealthCare.gov?
The FTC has rules about deceptive advertising. But they don’t apply to the government.
By Andrew Stiles
Conservatives often argue that the federal government should function more like a private business. Obamacare supporters should be grateful it does not, because otherwise HealthCare.gov would almost certainly run afoul of the Federal Trade Commission (FTC), as well as of the recently established Consumer Financial Protection Bureau (CFPB).
Orson Swindle, who served as an FTC commissioner from 1997 to 2005, says there are a number of practices that, if HealthCare.gov were a private entity, would result in its being “taken to the shed and horsewhipped” by government regulators.
UnitedHealth drops thousands of doctors from insurance plans: WSJ
(Reuters) – UnitedHealth Group dropped thousands of doctors from its networks in recent weeks, leaving many elderly patients unsure whether they need to switch plans to continue seeing their doctors, the Wall Street Journal reported on Friday.
The insurer said in October that underfunding of Medicare Advantage plans for the elderly could not be fully offset by the company’s other healthcare business. The company also reported spending more healthcare premiums on medical claims in the third quarter, due mainly to government cuts to payments for Medicare Advantage services.
The Journal report said that doctors in at least 10 states were notified of being laid off the plans, some citing “significant changes and pressures in the healthcare environment.” According to the notices, the terminations can be appealed within 30 days.
Reps. Garrett, Maloney introduce the Restoring Main Street Investor Protection and Conference Act of 2013
Nov 14, 2013
WASHINGTON, D.C. – U.S. Representatives Scott Garrett (R-N.J.) and Carolyn Maloney (D-NY) introduced H.R. 3482, the Restoring Main Street Investor Protection and Confidence Act of 2013, today.
Rep. Garrett, Chairman of the House Financial Services Capital Markets and Government Sponsored Enterprises Subcommittee, and Rep. Maloney, Ranking Member of the Subcommittee on Capital Markets and Government Sponsored Enterprises (GSE), are the lead sponsors of H.R. 3482.
“Our bill serves two key purposes,” said Garrett. “The first is to protect innocent investors from fraud, abuse, and malfeasance. The second is to foster greater confidence in U.S capital markets, which will help encourage economic growth, increase job creation, and efficiently allocate capital.
“By reforming and modernizing the Securities Investor Protection Act (SIPA) of 1970, we will ensure greater equity for victims of fraud, enhance efficient functioning of U.S. securities markets for main street investors, and strengthen the oversight and accountability of the Securities Investor Protection Corporation (SIPC). Given that physical securities are no longer individually mailed to customers, investors must be able to trust the SIPC seal of approval and have confidence in the account statements they receive.
“I fear, however, that if the current law is not modernized and SIPC coverage is not clarified, confidence in our securities markets could suffer. Indisputably, this outcome runs counter to the policy goal of encouraging investment, which is critical to the economic revival our country needs.”
“Markets run as much on confidence as capital, and this bill will restore investors’ confidence in the markets by modernizing the Securities Investor Protection Corporation, and by protecting innocent victims of Ponzi schemes and other frauds from further clawbacks by the very government agency that is charged with protecting them,” said Maloney
Congressman: Benghazi attackers knew location of ambassador’s safe room
By Catherine Herridge
Published November 15, 2013
FoxNews.com
The terrorists who attacked the Benghazi consulate last year knew the location of the safe room where Ambassador Chris Stevens and his security team sought shelter, according to a congressman who spoke for 90 minutes with the diplomatic security agent severely injured in the assault.
“He confirmed this – that it was a very well orchestrated, and well organized, almost a military operation, using military weapons and using military signals,” the late Florida Rep. Bill Young said after meeting diplomatic security agent David Ubben at Walter Reed Medical Center last summer, when both were patients there.
After Young’s death in mid-October, his widow, Beverly Young, gave Fox permission to use her husband’s comments about the Sep. 11, 2012 terrorist attack on the record. The congressman had originally spoken to Fox on background last summer.
“He (Ubben) emphasized the fact that it was a very, very military type of operation they had knowledge of almost everything in the compound,” Young explained. “They knew where the gasoline was, they knew where the generators were, they knew where the safe room was, they knew more than they should have about that compound.”
Photo exhbit in Ridgewood focuses on abstracts
Friday, November 15, 2013
BY EILEEN LA FORGIA
STAFF WRITER
The Ridgewood News
Jay Matusow’s images range from representational to the abstract, but common themes reveal a preoccupation with lines, forms and textures rather than a story. His photo exhibit, “State of Mind,” is running through Dec. 1 at the Cottage Place Gallery in Ridgewood.
‘Over Lapped”Propped Up”Puddle from a Moving Train”Moon Under Stacked Chairs’
“The works focus on something we could see every day, like rubber bands, peeling paint, a puddle, worn glass, plastic chairs or a stairway,” he noted. In each image or series of images, he tries to communicate his fascination with the visual qualities of the subject, by use of repetition, distortion, combination and layering.
“These techniques differ in magnitude, but not in kind from the ways all good photographers manipulate rectangular two-dimensional space to evoke a borderless, three-dimensional world,” he explained. “The best photographs – or the ones I aspire to make – embrace the difference between photography and vision and use it to advantage.” In this exhibit, he has taken this inherent difference to its logical conclusion by leaving the literal far behind and making images that are meant to portray how what he sees makes him feel.
