Tag Archives: student

Federal Reserve Needs to Manage Mortgage Rates – Raise Your Hand If You Agree

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CPI used by Federal Reserve rose slowly. 2021 – 7.6% 2022 – 6.3%

But Median Home Price (Inflation) rose faster. 2021 – 18% 2022 – 13%

The problem is the Fed was watching the CPI and not looking at housing prices which rose a lot faster. That resulted in similar large rent increases. Powell and the Fed did NOT recognize the need to raise rates UNTIL January 11, 2022.

Solution 1: Have Congress give the Federal Reserve the mission of controlling mortgage rates in conjunction with housing inflation. OR

Solution 2: Combine the Federal Student Aid, Fannie Mae, and Freddie Mac agencies into the new Federal Loan Administration and have it set rates in conjunction with the Federal Reserve for student and housing loans. Student loan rates and mortgage rates would rise as demand rises or as prices rise. Likewise they would go down independently of the Fed Funds Rate as demand goes down or as prices drop.

Why Education Needs To Change

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This is just one reason why education must change.

We need to seriously look at how to improve education in the United States in order to offer a World Class education.  Here are some futuristic ideas.

1.  Decide to concentrate on quality not quantity.  Instead of smaller class sizes which means more teachers, let’s concentrate on better teachers.

2.  Collect and catalog all the best videos of teachers.  We need to focus on the best of the best videos and teachers that motivate.

3.  Allow vouchers to be used.  Parents will pick the best schools which will encourage all schools to get better via supply and demand.

4.  Meet in classes for group or team projects as well as testing.  Students will want to socialize and test scores can be verified.

5.  Encourage service for student grants.  Do military or community service in exchange for student grants or loans.

Let’s make some positive change.  Here is more information.

http://www.futuresearch.com/futureblog/2010/09/01/why-education-must-change/