Robert P. Murphy
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This forgotten savings vehicle could be a substitute for the status quo
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A boring old financial instrument offers a way to avoid overreliance on the banking system or Social Security.
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Regardless of what caused the crisis, government efforts to regulate derivatives will only lock in undesirable aspects of the current market and ensure that politically connected players reap artificial gains. It is absurd to ask politicians to promote financial integrity and sound accounting. They are the worst violators of these principles on the planet.