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ATM fees hit record high, free checking accounts decline - Sep. 24, 2012
And there is more bad news for consumers. Bankrate.com also found that 39% of non-interest checking accounts provided by U.S. banks are free of charge to all customers. That's compared to 45% last year and a peak of 76% in 2009, according to Bankrate.com.

McBride says the banking industry has lost income due to an increase in regulations, and that's made free checking accounts harder to find.
financialRegulation  ObamaFailures  CNN 
january 2018 by HispanicPundit
Obama's 'unaccompanied children' turn up big in latest MS13 gang sweep
Nearly one third, or 64 arrestees, were Obama's much-vaunted 'unaccompanied children' - otherwise subjects of teary news stories and images of cute little toddlers playing pattycake in immigration detention centers. Like this one here. In reality, quite a large number of these 'unaccompanied children' were more like this.
Immigration  ObamaFailures  crime  gangs  AmericanThinker 
december 2017 by HispanicPundit
The Baker and the Empire - The New York Times
So while the Obama White House was requiring nuns to pay for abortifacients and the A.C.L.U. was suing Catholic hospitals for not performing sterilizations and state bureaucrats were trying to punish a handful of Christians in the wedding industry, what Rod Dreher called “the law of merited impossibility” dominated the liberal mind: Religious conservatives were worrying about attacks on their institutions that would never arrive, and when the attacks did arrive they obviously deserved it.
SupremeCourt  gay-marriage  civil-liberties  CakeBaker  douthat  ObamaFailures 
december 2017 by HispanicPundit
Obama-era labor relations board decision that threatened franchises like McDonald's overruled
No doubt, franchise-owners have dodged a bullet with the repeal of this decision.  It would have destroyed the franchise model and put hundreds of companies running franchises out of business. 

With Trump as president, it's clear that the NLRB is no longer a wholly owned subsidiary of the AFL-CIO.
unions  ObamaFailures  TrumpAdministration  regulations  NLRB  AmericanThinker 
december 2017 by HispanicPundit
Blog: How Obama funded opposition to Trump via money that belongs to taxpayers
The Obama administration’s massive shakedown of Big Banks over the mortgage crisis included unprecedented back-door funding for dozens of Democratic activist groups who were not even victims of the crisis.

At least three liberal nonprofit organizations the Justice Department approved to receive funds from multibillion-dollar mortgage settlements were instrumental in killing the ObamaCare repeal bill and are now lobbying against GOP tax reform, as well as efforts to rein in illegal immigration.
ObamaFailures  AmericanThinker 
september 2017 by HispanicPundit
Getting Rid of La Raza - The American Interest
When people join the mainstream and feel they are part and parcel of the nation, they no longer view themselves as victims, and thus are no longer in need of groups such as La Raza. The competition between ethnic groups that these organizations want to perpetuate helps the increasingly cosmopolitan elites in obvious ways. Immigrants must maintain their foreignness lest they join forces with native blue-collar workers to check the upper classes. Diversity, says political commentator Michael Lind, is beloved by the elites of North America and Europe because it “reduces the likelihood that workers of different ethnicities will unite in a common front against economic elites.”
chicanoism  ObamaFailures  AmericanInterest 
september 2017 by HispanicPundit
The DACA Fight and the End of Politics - The American Interest
This failure is particularly evident on the Democratic side. President Obama resisted DACA-like action for years, noting that he was “president of the United States, not emperor of the United States,” and that executive amnesty exceeded his constitutional authority. But Obama’s liberal base, which did not distinguish between its own views of what was right and the legal procedure that could bring it about, forced his hand. Because deporting unauthorized immigrants who arrived in the United States as children was immoral, and because morality and law are one and the same (to the pre-liberal mind), the administration was justified in unilaterally nullifying the law that provided for those deportations
DACA  constitution  presidency  ObamaFailures  TrumpAdministration  AmericanInterest 
september 2017 by HispanicPundit
Why Did Obama Free This Terrorist? - POLITICO Magazine
Most Americans may not have heard of Lopez, or the organization he helped lead, the Fuerzas Armadas de Liberación Nacional (FALN), a radical Marxist Puerto Rican independence group. With the focus of post-9/11 terrorism falling almost exclusively on Islamist radicals, the violent nationalists of yesteryear—Puerto Rican, Cuban, Croatian and Jewish—have faded into obscurity. But during the FALN’s explosive heyday under Lopez’s leadership, the group was anything but obscure. In fact, from 1974, when the group announced itself with its first bombings, to 1983, when arrests finally destroyed its membership base, the FALN was the most organized, active, well-trained and deadly domestic terror group based in the United States.
communist  obamafailures  puertorico 
june 2017 by HispanicPundit
Discussing policing during the Obama administration and useful methods to police.
crime  BLM  obamafailures  Race  loury  bloggingheads 
february 2017 by HispanicPundit
The Grumpy Economist: Exceptionalism
Hence, the “rules” really just mean discretion for the regulators to do what they want — or to coerce behavior they wish out of companies by the threat of an arbitrary and adverse decision. Anyone can be found guilty at any time — if the regulator chooses to single them out, as an EPA administrator once said, for “crucifixion.”

Richard Epstein calls the system “government by waiver.” The law and regulations are impossible to comply with. So business after business asks for waivers. Which are granted, mostly. But you’d be out of your head to object too loudly to the actions of the agency or the administration it serves if you want a waiver.
financialregulation  obamafailures  cochrane 
december 2016 by HispanicPundit
Did Obama Just Give You a Raise? - Bloomberg View
There are two main problems. The first is that the change, according to economists who've advocated it, won't do much to raise incomes. Employers will cut wage rates to keep their outlay fixed. "The costs of increased coverage would ultimately be borne by workers as employers set base wages taking expected overtime pay into account,"
wages  obamafailures  bloomberg 
july 2015 by HispanicPundit
HealthCare.gov: How political fear was pitted against technical needs - The Washington Post
“They were running the biggest start-up in the world, and they didn’t have anyone who had run a start-up, or even run a business,” said David Cutler, a Harvard professor and health adviser to Obama’s 2008 campaign, who was not the individual who provided the memo to The Washington Post but confirmed he was the author. “It’s very hard to think of a situation where the people best at getting legislation passed are best at implementing it. They are a different set of skills.”
obamacare  obamaadministration  obamafailures  cutler  summers 
november 2013 by HispanicPundit
Money Is Fungible, Contraceptive Edition | Mother Jones
And, let's be honest, it is a kludge. There's no such thing as "no cost." If an insurance carrier covers contraceptives, that's a cost they're going to make up somewhere else. And that somewhere else is in the premiums for the main policy. There's really no way around that.
obamafailures  drum  contraceptions  sidebar  moralissues  healthcare 
february 2013 by HispanicPundit
NLRB: You Can't Move Away From Your Union - Megan McArdle - Business - The Atlantic
This seems crazy.  Boeing does not seem to have claimed that it was trying to break the union; it said it was moving to seek a more amenable labor force.  As far as I know, that's not against the law, even if unions wish it were.  Companies have been moving south for decades to get a better tax and labor environment.  For the NLRB to declare that companies have no right to move would be tantamount to declaring that they are legally captive to whatever the local unions and governments care to dole out.  And to do so based on a chance remark at a conference call seems particularly insane.
unions  states  obamaadministration  obamafailures  mcardle  sidebar 
april 2011 by HispanicPundit
D.C. vouchers advance, despite Obama — Joanne Jacobs
Washington, D.C.’s voucher program could be back: On a 225-195 vote, mostly along party lines, the House passed Speaker John Boehner’s bill reauthorizing and expanding vouchers for low-income students in the District. Under SOAR, students would get $8,000 to attend a private K-8 school, $12,000 for high school tuition.
vouchers  obamaAdministration  ObamaFailures  DC  jacobs  sidebar 
march 2011 by HispanicPundit
Mental Health Parity Fact of the Day | John Goodman's Health Policy Blog | NCPA.org
Members of the Screen Actors Guild recently read in their health plan’s newsletter that, beginning in January, almost 12,000 of its participants will lose access to treatment for mental-health and substance-abuse issues.
ObamaCare  ObamaFailures  goodman  sidebar 
december 2010 by HispanicPundit
Wrong Way to Reform the Malpractice System | John Goodman's Health Policy Blog | NCPA.org
The answer to that last question is “no.” The reason: 10 years earlier, Congress followed the advice of Peter Orszag, who was very involved in creating the ACA. Orszag’s proposal for malpractice reform was to give doctors a safe haven against lawsuits as long as they practice “evidence-based” medicine.

So as long as your doctor sticks with the “best practice” (which in your case is palliative care for your remaining days), he has no legal liability. On the other hand, if he tries something new that is not evidence-based (even though it might save your life), he steps into a legal no-man’s land. The latter, by the way, has become much more risky due to the increased political power of trial lawyers during the Obama presidency.
pharmaceuticals  ObamaCare  goodman  sidebar  ObamaFailures 
december 2010 by HispanicPundit
The Verdict on Cash for Clunkers: a Clunker - NYTimes.com
"We find that the program induced the purchase of an additional 360,000 cars in July and August of 2009. However, almost all of the additional purchases under the program were pulled forward from the very near future; the effect of the program on auto purchases is almost completely reversed by as early as March 2010 – only seven months after the program ended. The effect of the program on auto purchases was significantly more short-lived than previously suggested. We also find no evidence of an effect on employment, house prices, or household default rates in cities with higher exposure to the program."
CashForClunkers  ObamaFailures  obamaAdministration  freakonomics  sidebar 
september 2010 by HispanicPundit

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