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Opinion

This Year, Albany Can Make the Change for Good

It is never too late to make a positive change. New York State government could certainly use a fresh start and be proactive. New York could and should be doing better, and that starts by taking advantage of opportunities when they are presented. I’d like 2016 to present a stark contrast to 2015 and previous […]

Why U.S. Businesses Leave

This subject sounds like a snoozer. But it may affect your job. Or the jobs of friends or relatives. And it turns the spotlight onto some stupid thinking. We have seen many a big company move overseas lately. To escape our taxes. The big company buys another business that is headquartered in another country. The

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There’s No Such Thing as Free Labor

Free-market economist and Nobel laureate Milton Friedman’s oft-quoted book title, “There’s No Such Thing As A Free Lunch,” reminds us to be wary of things appearing to come at no cost.    The same might be said of the notion of “free” labor. Employers who believe they are benefiting from greater productivity when employees habitually

The Start of a New Era for Residential Mortgage-Loan Closings

While Oct. 3 came and went without any particular fanfare, it did mark the start of a new era in residential mortgage lending. That was the effective date for the Consumer Financial Protection Bureau’s (CFPB) new combined Truth in Lending – Real Estate Settlement Procedures Integrated Disclosure (a/k/a “TRID”). For all residential mortgage-loan applications taken

Regulations are Strangling Small Businesses

If you have a heart problem would you to to a foot doctor?   That was my thought recently after the latest yuck report on the economy. Last quarter, it grew at half the speed needed to employ all the people who want to work.  Here is what led to the foot doctor thought.  

Entrepreneurs: They Think Differently than We Do

The Donald Trump phenomenon brings to mind many unpopular entrepreneurs.   Maybe you like The Donald. Maybe you don’t like him but you like his proposals. Or, maybe you don’t like either. No matter. You have to admit that he rubs a lot of people the wrong way. And that is my point. To many

Veterans Need New York’s Attention

New York state has more than 892,000 veterans as residents, according to federal-government figures from 2014. Our state is home to the second largest veteran population in the nation.    From older-generation veterans to those who are returning home today, veterans have a number of needs. The biggest issue often faced by our returning veterans

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