Texas has the most restrictive regulation of title rates and forms (policies) in the nation, allowing no opportunity for insurers to innovate with their products or lower rates to compete for business directly from the consumer. Texas should introduce competition into the title insurance market by moving to a file-and-use system.
Texas bond elections often pass with low voter turnout and simple majorities, driving up local debt as a result. Raising voter approval thresholds could protect taxpayers and ensure a stronger consensus for public spending. Key points: Even though tax relief has been funded at the state level, increased debt at the local level has led...
In It’s a Wonderful Life, George Bailey’s great ambition is not wealth or status. It is something far more ordinary and far more powerful: the ability for working families to afford a home, put down roots, and build a future together. Bedford Falls thrives not because of grand social programs, but because ordinary people can buy modest homes...