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From the Government

How Governments Have Made Us Healthier, Wealthier, and Better Educated and Made Our Lives Safer and Fairer

How Governments Have Made Us
Healthier, Wealthier, and Better Educated
and Made Our Lives Safer and Fairer

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Home ownership

Dependable Insurance

June 25, 2021 by Otis Leave a Comment

Insurance is critical to our economy and our lives and, taken as a whole, surprisingly big. Americans spend nearly as much each year on insurance coverage as on food. But insurance rests on a promise that, if the worst happens, you will be protected. Why should we believe that promise? Because for nearly 200 years, state governments have audited insurance companies’ books and watched their payment records to be sure they keep their word.

Filed Under: State governments Tagged With: Externalities, Health care, Home ownership, Wealthier

30-Year Mortgage

June 11, 2020 by Otis Leave a Comment

In 1934, the federal government replaced a failed system of home finance, which featured short-term loans, with long-term mortgages backed by federal loan guarantees. If you have a 15- 20- or 30-year mortgage, you can thank the federal government for it.

Filed Under: Federal government, New Deal Tagged With: 1930s, Franklin Roosevelt, Home ownership, Market failure, Wealthier

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