Laura Williams

  • Everything in Installments? Shifting Consumer Credit Norms

    “The proliferation of lending tools for small purchases, and the expanded access to credit they represent, are likely a win for consumers. But, as ever, individual responsibility and responsible business implementation will matter a great deal.” ~ Laura Williams

    Everything in Installments? Shifting Consumer Credit Norms
  • The Global Market Miracle of the 99-cent Pineapple

    “When past centuries’ most-iconic luxuries become commonplace and affordable, we always have specialization and market innovations to thank.” ~ Laura Williams

    The Global Market Miracle of the 99-cent Pineapple
  • Tax Day: Inverting the Experience

    “Tax season’s sophisticated sleight-of-hand will have most Americans wondering what they’ll buy with their refund, instead of questioning whether they saw results for all the dollars they won’t get back.” ~ Laura Williams

    Tax Day: Inverting the Experience
  • Ga. Reps Slice Possible Lifeline for Kids in Failing Schools

    “School choice will continue to be a battle across the nation, because some special interests have been given control over millions of children and billions of dollars, and they won’t give that power up without a fight.” ~ Laura Williams

    Ga. Reps Slice Possible Lifeline for Kids in Failing Schools
  • DC’s Dim-Witted Lightbulb Moment

    “In Mercantilist Europe, and in the ever-murkier swamps of Washington, DC, cozy relations between industry and government result in such price-fixing contrivances and anti-public conspiracies being issued by regulation as well.” ~ Laura Williams

    DC’s Dim-Witted Lightbulb Moment
  • Goodhart’s Law Explains School Decay

    “By disentangling ourselves from measures and rankings, we can return to a focus on what education does for the human mind, not just the data sheets.” ~ Laura Williams

    Goodhart’s Law Explains School Decay
  • Pilot Shortage: A Story of Stalled Supply and Rising Demand

    “Overzealous regulation of pilot credentialing (by Congress, rather than carriers, insurers, or other stakeholders) have ensured the budget-conscious and the small-town traveler will both be getting a lot less service from airlines.” ~ Laura Williams

    Pilot Shortage: A Story of Stalled Supply and Rising Demand
  • Holidays of Luxury

    “Market economies fuel incredible prosperity and the holidays provide useful examples of how we are better off today than a few decades ago. Consider the Christmas gifts and decor of years past, once deemed luxuries, now everyday goods.” ~ Laura Williams & David Waugh

    Holidays of Luxury
  • The CHIP Act Is a Blip

    “The political proposals will be flashy and brief. The market forces making every chip, and powering our modern world, operate on a much longer timeline. ” ~ Laura Williams

    The CHIP Act Is a Blip
  • In Defense of Arguing

    “When we refuse to engage in argument, even out of perceived politeness, we allow more bad ideas to take hold and propagate. Unintended consequences and wasted resources multiply.” ~ Laura Williams

    In Defense of Arguing