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BOSTON--(BUSINESS WIRE)--Dec 8, 2024-- Vertex Pharmaceuticals Incorporated (Nasdaq: VRTX) today announced longer-term data for CASGEVYTM (exagamglogene autotemcel) from global clinical trials in people with severe sickle cell disease (SCD) or transfusion-dependent beta thalassemia (TDT). CASGEVY is the first and only approved CRISPR/Cas9 gene-edited therapy. The results, presented at the American Society of Hematology (ASH) Annual Meeting and Exposition, continue to demonstrate the transformative, durable clinical benefits of CASGEVY. The longest follow up for both SCD and TDT patients now extends more than 5 years, with a median of 33.2 months and 38.1 months, respectively. “These comprehensive data provide additional evidence of the benefits of eradicating transfusion requirements for people with transfusion-dependent beta thalassemia and vaso-occlusive crises for those with sickle cell disease,” said Franco Locatelli, M.D., Ph.D., Professor of Pediatrics at the Catholic University of the Sacred Heart of Rome, Director of the Department of Pediatric Hematology and Oncology at Bambino Gesù Children’s Hospital, Chair of Vertex’s TDT Program Steering Committee, and Presenting Author of the CASGEVY clinical data at ASH. “With median follow-up around three years there is strong evidence for the durability of these beneficial effects following treatment with CASGEVY.” “CASGEVY is changing the outlook for people living with sickle cell disease and beta thalassemia, with these data reinforcing the immense clinical value a durable one-time therapy can provide to patients,” said Carmen Bozic, M.D., Executive Vice President, Global Medicines Development and Medical Affairs, and Chief Medical Officer at Vertex. “We have a strong commitment to build on our progress in bringing CASGEVY to patients around the world.” New long-term follow-up data presented from the CASGEVY trials Vertex had seven abstracts accepted at the ASH annual meeting as outlined below: Progress in bringing CASGEVY to patients around the world CASGEVY is approved for both SCD and TDT in the U.S., the European Union, Great Britain, Canada, Switzerland, Bahrain and the Kingdom of Saudi Arabia, and Vertex plans to make submissions in the United Arab Emirates and Kuwait. More than 45 authorized treatment centers have been activated globally to support the delivery of CASGEVY, and more than 40 patients have had a first cell collection. Vertex is continuing to work with reimbursement authorities to secure sustainable access for patients. Through this work, Vertex has agreements to provide CASGEVY in multiple countries, including the U.S., England (TDT), Austria, Bahrain and the Kingdom of Saudi Arabia, and continues to make strong progress in others, including positive Health Technology Assessments (HTAs) in Canada for both diseases and advancing access negotiations for SCD patients in England. In the U.S., Vertex recently secured an industry-first, voluntary agreement with the Centers for Medicare & Medicaid Services (CMS) on a single outcomes-based arrangement available to all state Medicaid programs to ensure broad and equitable access to CASGEVY. To support this progress on patient access and growing patient demand, Vertex has received approval for a third manufacturing facility for CASGEVY with our partner Lonza. About Sickle Cell Disease (SCD) SCD is a debilitating, progressive and life-shortening disease. SCD patients report health-related quality of life scores well below the general population, and the lifetime health care costs in the U.S. of managing SCD for patients with recurrent VOCs is estimated between $4 and $6 million. SCD is an inherited blood disorder that affects the red blood cells, which are essential for carrying oxygen to all organs and tissues of the body. SCD causes severe pain, organ damage and shortened life span due to misshapen or “sickled” red blood cells. The clinical hallmark of SCD is VOCs, which are caused by blockages of blood vessels by sickled red blood cells and result in severe and debilitating pain that can happen anywhere in the body at any time. SCD requires a lifetime of treatment and results in a reduced life expectancy. In the U.S., the median age of death for patients living with SCD is approximately 45 years. A cure for SCD today is a stem cell transplant from a matched donor, but this option is only available to a small fraction of patients living with SCD because of the lack of available donors. About Transfusion-Dependent Beta Thalassemia (TDT) TDT is a serious, life-threatening genetic disease. TDT patients report health-related quality of life scores below the general population and the lifetime health care costs in the U.S. of managing TDT are estimated between $5 and $5.7 million. TDT requires frequent blood transfusions and iron chelation therapy throughout a person’s life. Due to anemia, patients living with TDT may experience fatigue and shortness of breath, and infants may develop failure to thrive, jaundice and feeding problems. Complications of TDT can also include an enlarged spleen, liver and/or heart, misshapen bones and delayed puberty. TDT requires lifelong treatment and significant use of health care resources, and ultimately results in reduced life expectancy, decreased quality of life and reduced lifetime earnings and productivity. In the U.S., the median age of death for patients living with TDT is 37 years. Stem cell transplant from a matched donor is a curative option but is only available to a small fraction of people living with TDT because of the lack of available donors. About CASGEVYTM (exagamglogene autotemcel [exa-cel]) CASGEVYTM is a non-viral, ex vivo CRISPR/Cas9 gene-edited cell therapy for eligible patients with SCD or TDT, in which a patient’s own hematopoietic stem and progenitor cells are edited at the erythroid specific enhancer region of the BCL11A gene through a precise double-strand break. This edit results in the production of high levels of fetal hemoglobin (HbF; hemoglobin F) in red blood cells. HbF is the form of the oxygen-carrying hemoglobin that is naturally present during fetal development, which then switches to the adult form of hemoglobin after birth. CASGEVY has been shown to reduce or eliminate VOCs for patients with SCD and transfusion requirements for patients with TDT. CASGEVY is approved for eligible SCD and TDT patients 12 years and older by multiple regulatory bodies around the world. About the CLIMB Trials The ongoing Phase 1/2/3 open-label trials, CLIMB-111 and CLIMB-121, are designed to assess the safety and efficacy of a single dose of CASGEVY in patients ages 12 to 35 years with TDT or with SCD and recurrent VOCs. The trials are closed for enrollment. Patients will be followed for approximately two years after CASGEVY infusion in these trials. Each patient will be asked to participate in the ongoing long-term, open-label trial, CLIMB-131. CLIMB-131 is designed to evaluate the long-term safety and efficacy of CASGEVY in patients who received CASGEVY, including those in other CLIMB trials. The trial is designed to follow patients for up to 15 years after CASGEVY infusion. U.S. INDICATIONS AND IMPORTANT SAFETY INFORMATION FOR CASGEVY (exagamglogene autotemcel) WHAT IS CASGEVY? CASGEVY is a one-time therapy used to treat people aged 12 years and older with: • sickle cell disease (SCD) who have frequent vaso-occlusive crises or VOCs • beta thalassemia (β-thalassemia) who need regular blood transfusions CASGEVY is made specifically for each patient, using the patient’s own edited blood stem cells, and increases the production of a special type of hemoglobin called hemoglobin F (fetal hemoglobin or HbF). Having more HbF increases overall hemoglobin levels and has been shown to improve the production and function of red blood cells. This can eliminate VOCs in people with sickle cell disease and eliminate the need for regular blood transfusions in people with beta thalassemia. IMPORTANT SAFETY INFORMATION What is the most important information I should know about CASGEVY? After treatment with CASGEVY, you will have fewer blood cells for a while until CASGEVY takes hold (engrafts) into your bone marrow. This includes low levels of platelets (cells that usually help the blood to clot) and white blood cells (cells that usually fight infections). Your doctor will monitor this and give you treatment as required. The doctor will tell you when blood cell levels return to safe levels. You may experience side effects associated with other medicines administered as part of the treatment regimen for CASGEVY. Talk to your physician regarding those possible side effects. Your healthcare provider may give you other medicines to treat your side effects. How will I receive CASGEVY? Your healthcare provider will give you other medicines, including a conditioning medicine, as part of your treatment with CASGEVY. It’s important to talk to your healthcare provider about the risks and benefits of all medicines involved in your treatment. After receiving the conditioning medicine, it may not be possible for you to become pregnant or father a child. You should discuss options for fertility preservation with your healthcare provider before treatment. STEP 1: Before CASGEVY treatment, a doctor will give you mobilization medicine(s). This medicine moves blood stem cells from your bone marrow into the blood stream. The blood stem cells are then collected in a machine that separates the different blood cells (this is called apheresis). This entire process may happen more than once. Each time, it can take up to one week. During this step rescue cells are also collected and stored at the hospital. These are your existing blood stem cells and are kept untreated just in case there is a problem in the treatment process. If CASGEVY cannot be given after the conditioning medicine, or if the modified blood stem cells do not take hold (engraft) in the body, these rescue cells will be given back to you. If you are given rescue cells, you will not have any treatment benefit from CASGEVY. STEP 2: After they are collected, your blood stem cells will be sent to the manufacturing site where they are used to make CASGEVY. It may take up to 6 months from the time your cells are collected to manufacture and test CASGEVY before it is sent back to your healthcare provider. STEP 3: Shortly before your stem cell transplant, your healthcare provider will give you a conditioning medicine for a few days in hospital. This will prepare you for treatment by clearing cells from the bone marrow, so they can be replaced with the modified cells in CASGEVY. After you are given this medicine, your blood cell levels will fall to very low levels. You will stay in the hospital for this step and remain in the hospital until after the infusion with CASGEVY. STEP 4: One or more vials of CASGEVY will be given into a vein (intravenous infusion) over a short period of time. After the CASGEVY infusion, you will stay in hospital so that your healthcare provider can closely monitor your recovery. This can take 4-6 weeks, but times can vary. Your healthcare provider will decide when you can go home. What should I avoid after receiving CASGEVY? What are the possible or reasonably likely side effects of CASGEVY? The most common side effects of CASGEVY include: Your healthcare provider will test your blood to check for low levels of blood cells (including platelets and white blood cells). Tell your healthcare provider right away if you get any of the following symptoms: These are not all the possible side effects of CASGEVY. Call your doctor for medical advice about side effects. You may report side effects to FDA at 1-800-FDA-1088. General information about the safe and effective use of CASGEVY Talk to your healthcare provider about any health concerns. Please see full Prescribing Information including Patient Information for CASGEVY. About Vertex Vertex is a global biotechnology company that invests in scientific innovation to create transformative medicines for people with serious diseases. The company has approved medicines that treat the underlying causes of multiple chronic, life-shortening genetic diseases — cystic fibrosis, sickle cell disease and transfusion-dependent beta thalassemia — and continues to advance clinical and research programs in these diseases. Vertex also has a robust clinical pipeline of investigational therapies across a range of modalities in other serious diseases where it has deep insight into causal human biology, including acute and neuropathic pain, APOL1-mediated kidney disease, IgA nephropathy, primary membranous nephropathy, autosomal dominant polycystic kidney disease, type 1 diabetes and myotonic dystrophy type 1. Vertex was founded in 1989 and has its global headquarters in Boston, with international headquarters in London. Additionally, the company has research and development sites and commercial offices in North America, Europe, Australia, Latin America and the Middle East. Vertex is consistently recognized as one of the industry's top places to work, including 15 consecutive years on Science magazine's Top Employers list and one of Fortune’s 100 Best Companies to Work For. For company updates and to learn more about Vertex's history of innovation, visit www.vrtx.com or follow us on LinkedIn , Facebook , Instagram , YouTube and X . (VRTX-GEN) Vertex Special Note Regarding Forward-Looking Statements This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995, as amended, including, without limitation, the statements by Franco Locatelli, M.D., Ph.D. and Carmen Bozic, M.D., in this press release, and statements regarding expectations for the anticipated transformative, durable clinical benefits of CASGEVY, plans to continue working with reimbursement authorities to secure sustainable access for patients, including our expectations for progress in Canada and England, and our plans for and design of the CLIMB studies. While we believe the forward-looking statements contained in this press release are accurate, these forward-looking statements represent the company's beliefs only as of the date of this press release and there are a number of risks and uncertainties that could cause actual events or results to differ materially from those expressed or implied by such forward-looking statements. Those risks and uncertainties include, among other things, that eligible patient access to CASGEVY may not be achieved on the anticipated timeline, or at all, that data from the company's development programs may not support registration or further development of its compounds due to safety, efficacy, and other reasons, and other risks listed under the heading “Risk Factors” in Vertex's most recent annual report and subsequent quarterly reports filed with the Securities and Exchange Commission at www.sec.gov and available through the company's website at www.vrtx.com . You should not place undue reliance on these statements, or the scientific data presented. Vertex disclaims any obligation to update the information contained in this press release as new information becomes available. View source version on businesswire.com : https://www.businesswire.com/news/home/20241206536804/en/ CONTACT: Vertex Pharmaceuticals Incorporated Investors: InvestorInfo@vrtx.comMedia : mediainfo@vrtx.com or International: +44 20 3204 5275 or U.S.: 617-341-6992 or Heather Nichols: +1 617-839-3607 KEYWORD: MASSACHUSETTS EUROPE UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: BIOTECHNOLOGY PHARMACEUTICAL HEALTH CLINICAL TRIALS SOURCE: Vertex Pharmaceuticals Incorporated Copyright Business Wire 2024. PUB: 12/08/2024 12:52 PM/DISC: 12/08/2024 12:50 PM http://www.businesswire.com/news/home/20241206536804/enIndian foreign secy’s visit: 2 countries to try to mend relations
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LITTLE ROCK, Ark. — Voters dejected by the presidential election results need to find a way to give back and remain involved, Bill and Hillary Rodham Clinton said Saturday as they celebrated the 20th anniversary of the Clinton presidential library. The former president urged audience members in a packed theater to remain engaged and find ways to communicate with those they disagree with despite a divisive political time. The two spoke about a month after former President Donald Trump’s win over Vice President Kamala Harris in the presidential election. “We’re just passing through, and we all need to just calm down and do something that builds people up instead of tears them down,” Bill Clinton said. Hillary Clinton, the former secretary of state who was defeated by Trump in the 2016 election, said she understands the next couple of years are going to be challenging for voters who don’t agree with the decisions being made. “In addition to staying involved and staying aware, it’s important to find something that makes you feel good about the day because if you’re in a constant state of agitation about our political situation, it is really going to shorten your life,” she said. The Clintons spoke during a panel discussion with journalist Laura Ling, who the former president helped free in 2009 when she was detained in North Korea with another journalist. The event was held as part of a weekend of activities marking the 20th anniversary of the Clinton Presidential Library’s opening in Little Rock. The library is preparing to undergo an update of its exhibits and an expansion that will include Hillary Clinton’s personal archives. Hillary Clinton said part of the goal is to modernize the facility and expand it to make it a more open, inviting place for people for convene and make connections. When asked about advice he would give for people disappointed by the election results, Bill Clinton said people need to continue working toward bringing people together and improving others’ lives. “If that’s the way you keep score, then you ought to be trying to run up the score,” he said. “Not lamenting the fact that somebody else is winning a different game because they keep score a different way.” “And in addition, figure out what we can do to win again,” Hillary Clinton added, eliciting cheers. The program featured a panel discussion with cast members of the hit NBC show “The West Wing” and former Clinton White House staffers. The weekend amounted to a reunion of former Clinton White House staffers, supporters and close friends, including former Virginia Gov. Terry McAuliffe and adviser James Carville. McAuliffe said he and Carville ate Friday at Doe’s Eat Place, a downtown restaurant that was popular with Clinton aides and reporters during Clinton’s 1992 White House run. He said he viewed the library and its planned expansion as important for the future. “This is not only about the past, but it’s more importantly about the future,” McAuliffe said. “We just went through a very tough election, and people are all saying we’ve got to get back to the Clinton model.”
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Global Podiatry EMR Software Market Size, Share and Forecast By Key Players-AdvancedMD,DrChrono,NXGN Management LLC,athenahealth,Kareo 12-08-2024 06:52 PM CET | Advertising, Media Consulting, Marketing Research Press release from: Market Research Intellect Podiatry EMR Software Market USA, New Jersey- According to the Market Research Intellect, the global Podiatry EMR Software market is projected to grow at a robust compound annual growth rate (CAGR) of 11.58% from 2024 to 2031. Starting with a valuation of 11.03 Billion in 2024, the market is expected to reach approximately 21.29 Billion by 2031, driven by factors such as Podiatry EMR Software and Podiatry EMR Software. This significant growth underscores the expanding demand for Podiatry EMR Software across various sectors. The podiatry EMR (Electronic Medical Record) software market is witnessing rapid growth due to the increasing adoption of digital healthcare solutions and the need for specialized tools tailored to podiatric practices. Podiatrists are adopting EMR systems to improve patient care, streamline workflows, and ensure compliance with healthcare regulations. These software solutions offer features such as patient scheduling, medical history tracking, and treatment planning, which are crucial for efficient podiatric care. As the healthcare industry continues to embrace digital transformation, the demand for specialized EMR systems like those designed for podiatry is rising. The growing emphasis on reducing administrative costs, improving clinical outcomes, and enhancing patient satisfaction further drives market growth. Additionally, the integration of cloud-based solutions offers scalability and ease of access for podiatrists, accelerating the adoption of these systems across both small and large practices. The dynamics of the podiatry EMR software market are influenced by several factors, including technological advancements, regulatory pressures, and market competition. The shift towards value-based care and the need for improved patient management is propelling the demand for specialized EMR systems in podiatry. Features like customizable templates, integrated billing, and electronic prescribing are becoming essential to streamline clinical workflows. Moreover, the adoption of cloud-based solutions enables podiatrists to access patient records remotely, enhancing convenience and efficiency. However, the market is also facing challenges such as the high cost of implementation and the need for training, which may hinder adoption among smaller practices. Regulatory compliance, especially in relation to data privacy laws such as HIPAA, is shaping software development. The competitive landscape is evolving with new entrants offering innovative solutions, intensifying the drive for continuous improvements in functionality and user experience. Request PDF Sample Copy of Report: (Including Full TOC, List of Tables & Figures, Chart) @ https://www.marketresearchintellect.com/download-sample/?rid=10701900&utm_source=OpenPr&utm_medium=047 Key Drivers: The growth of the Podiatry EMR Software market is driven by several key factors. Technological advancements in Podiatry EMR Software have enabled greater efficiency and enhanced capabilities, spurring adoption across industries. Additionally, the rising demand for sustainable and eco-friendly solutions is pushing companies to innovate and adopt greener practices. Expanding applications in sectors like Podiatry EMR Software and Podiatry EMR Software are further contributing to market demand, as these industries seek advanced solutions to streamline operations and enhance product quality. Favorable government policies and incentives in regions such as North America, Europe, and Asia-Pacific support investment and growth. Moreover, an increasing focus on Podiatry EMR Software for improving operational efficiency and cost-effectiveness is encouraging businesses to embrace new technologies, fostering sustained market expansion. Mergers and Acquisitions Mergers and acquisitions (M&A) play a pivotal role in the Podiatry EMR Software market, as companies look to expand their capabilities, access new technologies, and strengthen market presence. Leading players engage in strategic acquisitions to consolidate their position and gain a competitive edge. These transactions often facilitate the integration of advanced Podiatry EMR Software solutions, helping firms broaden their product portfolios and meet growing customer demands. Additionally, M&A activities support companies in achieving economies of scale and penetrating new regional markets, particularly in high-growth areas like Asia-Pacific. Through such strategic alliances, businesses aim to accelerate innovation, enhance operational efficiency, and address evolving market challenges, ultimately driving the overall growth of the Podiatry EMR Software market. Get a Discount On The Purchase Of This Report @ https://www.marketresearchintellect.com/ask-for-discount/?rid=10701900&utm_source=OpenPr&utm_medium=047 The following Key Segments Are Covered in Our Report By Type Cloud-Based On-Premise By Application Large Enterprises Small and Medium-sized Enterprises (SMEs) Major companies in Podiatry EMR Software Market are: AdvancedMD,DrChrono,NXGN Management LLC,athenahealth,Kareo,Bizmatics Software,Compulink,Greenway Health LLC,Medsphere Systems Corporation (ChartLogic),Practice EHR,GroupOne Health Source,CareCloud Corporation Global Podiatry EMR Software Market -Regional Analysis North America: North America is expected to hold a significant share of the Podiatry EMR Software market due to advanced technological infrastructure and the presence of major market players. High demand across sectors like Podiatry EMR Software and Podiatry EMR Software is driving growth, with the U.S. being a key contributor. Additionally, ongoing investments in R&D and innovation reinforce the region's strong market position. Europe: Europe is projected to experience steady growth, driven by stringent regulatory standards and a rising focus on sustainability in Podiatry EMR Software practices. Countries like Germany, France, and the UK are leading due to their advanced industrial base and supportive government policies. The demand for eco-friendly and efficient Podiatry EMR Software solutions is expected to continue fostering market expansion. Asia-Pacific: Asia-Pacific is anticipated to be the fastest-growing region, fueled by rapid industrialization and urbanization. Countries such as China, India, and Japan are driving demand due to expanding consumer bases and increasing investments in infrastructure. The region's robust manufacturing sector and favorable economic policies further enhance growth opportunities in the Podiatry EMR Software market. Latin America: Latin America and the Middle East & Africa are expected to show moderate growth in the Podiatry EMR Software market. In Latin America, growth is supported by rising industrial activities in countries like Brazil and Mexico. Meanwhile, in the Middle East & Africa, infrastructure development and an increasing focus on innovation in sectors like Podiatry EMR Software are key drivers of market expansion. Middle East and Africa: The Middle East and Africa represent emerging markets in the global Podiatry EMR Software market, with countries like UAE, Saudi Arabia, South Africa, and Nigeria showing promising growth potential. Economic diversification efforts, urbanization, and a young population are driving demand for Podiatry EMR Software products and services in the region. Frequently Asked Questions (FAQ) 1. What is the current size of the Podiatry EMR Software market? Answer: The Podiatry EMR Software market was valued at approximately 11.03 Billion in 2024, with projections suggesting it will reach 21.29 Billion by 2031, growing at a CAGR of 11.58%. 2. What factors are driving the growth of the Podiatry EMR Software market? Answer: The market's expansion is attributed to several factors, including increased demand for Podiatry EMR Software, advancements in Podiatry EMR Software technology, and the adoption of Podiatry EMR Software across various sectors. 3. Which regions are expected to dominate the Podiatry EMR Software market? Answer: Regions such as North America, Europe, and Asia-Pacific are anticipated to lead due to the presence of major industry players and growing investments in Podiatry EMR Software. 4. Who are the key players in the Podiatry EMR Software market? Answer: Prominent companies in the Podiatry EMR Software market include Podiatry EMR Software, Podiatry EMR Software, and Podiatry EMR Software, each contributing to market growth through innovations and strategic partnerships. 5. What challenges does the Podiatry EMR Software market face? Answer: The market faces challenges such as Podiatry EMR Software, regulatory compliance, and competition from alternative solutions. However, ongoing advancements aim to address these issues. 6. What are the future trends in the Podiatry EMR Software market? Emerging trends include the integration of Podiatry EMR Software technology, sustainability practices, and digital transformation in processes, all expected to shape the market's future. 7. How can businesses benefit from the Podiatry EMR Software market? Answer: Businesses can leverage growth opportunities in the Podiatry EMR Software market by adopting new solutions, enhancing operational efficiency, and expanding their offerings to meet evolving consumer demands. 8. Why invest in a Podiatry EMR Software market report from MRI? Answer: MRI's report provides in-depth analysis, future projections, and key insights to support strategic decision-making, enabling businesses to stay competitive and capitalize on growth trends in the Podiatry EMR Software market. 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Biggest tech trends to expect in 2025: AI, agents, and AR, oh my!Authored by Jeffrey Tucker via The Epoch Times, After World War II, a major priority for U.S. policymakers was to push home ownership for as broad a swath of the population as possible. In many ways, the agenda was a success. Happy families living in fine homes all over the United States, one income from a stable job, and two cars became the mark of prosperity, and a point of advertising for the American experiment the world over. Every TV show featured exactly this. Two decades into the 21st century, that dream is broken, as most people cannot even think about home ownership even with two incomes. The latest trends show skyrocketing prices and, unlike 2008, this seems less like a bubble than pure inflation with little hope of falling prices. Existing owners, of course, do not want price declines in any case. Already, the taxes and costs of insurance have grown equal to the mortgage payment itself, which means that in terms of overall expenditure, the sticker price might be only a quarter of what you will spend over 30 years, according to The Wall Street Journal. Many people look at this situation and wonder what the point is. There are ways to use whatever liquid assets you have to earn money rather than spend it this way. In the past few months, I’ve heard many suggestions for fixing this problem. None of them is promising. Some make matters worse. First, people suggest more Federal Reserve interventions. Keep in mind, however, that the Fed can control only one rate—that which is charged to member banks. That rate will influence others down the line within the yield curve structure. The influence is not always predictable. In fact, it can sometimes result in a steeper curve, presenting a bitter problem: lower short-term rates combined with higher rates. This result reflects expectations of the future. This is precisely what is happening right now. The Fed keeps lowering the federal funds rate even as mortgage rates increase. (Data: Federal Reserve Economic Data (FRED), St. Louis Fed; Chart: Jeffrey A. Tucker) The other problem is that lower rates feed inflation and thus threaten to increase housing prices, insurance costs, and therefore also property taxes. Therefore, Fed intervention will not fix any existing problem and contributes to making the situation worse rather than better. Second, people are suggesting restrictions on institutions buying with cash offers. This is designed to address what intuitively strikes everyone as unfair and unjust. You are negotiating on a house, lining up your borrowing, selling assets for a down payment, and out of nowhere some cash buyer comes along and snatches it away. No question that this is happening, with the largest financial firms buying the asset that they believe to be the most lucrative on the market right now, which is housing. But how in the world would one restrict such purchases? Owners want to sell to the best buyer regardless. It seems strange to intervene in property rights in ways that would make that impossible. It’s also not clear how that would affect home prices. Whether a home is purchased with cash or borrowed money does not affect housing prices overall. Such interventions would likely create unanticipated problems. For example, it would certainly reduce the number of rental units available and thus make the housing problem worse, not better. Third, people are suggesting that the federal government make special mortgage rates available for borrowers of a certain sort, perhaps families with children or teachers or some other class. I’ve heard numbers such as 3 percent being thrown around. This is not a good idea. It would end up subsidizing the most risky borrowers and recreate the very conditions that led to the housing crisis of 2008. It would also increase demand for housing and apply upward rather than downward pressure on prices. The same can be said of the idea of granting tax write-offs or outright subsidies for down payments. That would worsen the deficit and only drive up prices to the point of the subsidy itself. Fourth, we hear talk of dramatically increasing the supply of housing in underdeveloped areas. Trump administration teams have floated the idea of freedom cities, for example, with huge development subsidies. Again, this amounts to yet another public expenditure that adds to the fiscal problem and does not address the real problem, which is that people want housing close to their places of work. It achieves nothing to build huge developments in places without enterprise infrastructure, as China has learned over several decades of boondoggles. Fifth, people suggest public housing and outright price control, both truly terrible options. In the 1930s, there was a great deal of optimism about the idea of government-provided housing for everyone, but those dreams died by the 1970s. Government can neither build nor manage housing, and even existing units reveal the problem. Every major city has a blighted area filled with public housing that everyone despises. No one wants more of that in their area. If none of these solutions is right, what can be done? We need to fix the problem of inflation above all else, because that is what is driving insurance costs so high. Insurance is a pricing of risk, and the rising prices in every area of repair, including labor costs, has made it unaffordable in many locations. In fact, this is a major reason why cash purchases are so popular: You don’t have to pay for broad insurance coverage. Fixing inflation will require restraint on money printing. Nothing else gets to the heart of the problem. Property taxes should be reduced or abolished, but that is a matter for states and localities, not the federal government. And many cities and states are faced with impossible fiscal cages: Lowering property taxes means less revenue for schooling and crime control, the result of which is to drive residents out rather than attract them. There is no easy solution to this, though state-level vouchers for private forms of schooling are promising. But there again, we have a solution that is several stages removed from the problem we are trying to address. Regulations on development at the federal level have become a terrible cost that has inhibited building and expansion of the housing stock. These days, it is nearly impossible even for an individual to build without fitting the new home to green-energy-compliant standards, for example. All of this needs to go. If it were my choice, I would completely defund the Department of Housing and Urban Development. It has been a very long menace and serves no other function than to feed tax dollars to large developers—a classic example of a captured agency. All of these solutions can help, but there is no magic answer to restoring the 1950s-era dream of universal housing ownership . It’s not even clear that it makes much sense anymore, as most young people prefer the flexibility of renting. They can find better uses for liquid funds than tying them up in property that carries huge liabilities in taxes, interest, and insurance. Meanwhile, focusing reform efforts on regulatory costs, inflation, and schooling options could end up doing more to repair the housing problem than any direct interventions in the market as it currently functions. Views expressed in this article are opinions of the author and do not necessarily reflect the views of The Epoch Times or ZeroHedge.Spotify Users Discover Adult Content Hidden In Search Results Sparking Outrage Over Moderation Loopholes (UPDATED)
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MORGANTOWN — West Virginia University football coach Rich Rodriguez announced former Oklahoma co-defensive coordinator Zac Alley as his pick for defensive coordinator Sunday. “Zac is one of the top young defensive coordinators in the country and has proven his ability to lead and be an innovator at different stops during his career,” Rodriguez said. “I have worked with him several seasons, and he constantly impresses me with his ability to blend schemes with his personnel and develop winning results. I look forward to him joining our staff and making an immediate impact for us.” ESPN’s Pete Thamel reported late Saturday that Alley was finalizing a three-year deal with WVU. “I am excited to join coach Rodriguez and the West Virginia University football program,” Alley said. “I have tremendous respect for coach Rod, as I’ve seen how he develops players and builds a program. I look forward to working with the players and doing my part to help WVU be one of the top teams in the Big 12 Conference and the nation.” Alley, 30, spent 2022-23 as Rodriguez’s defensive coordinator at Jacksonville State before spending this past season as co-defensive coordinator and linebackers coach for Brent Venables and the Sooners. This year, the Sooners tied for 30th in the Football Bowl Subdivision in allowing 21.5 points per game, highlighted by holding Alabama to just three points in a 24-3 win. Oklahoma was also 19th nationally in allowing just 318.2 yards per game. In his last season at Jacksonville State, the Gamecocks were a top-50 defense in both points (33rd at 21.2 points per game) and yards (43rd at 352.8 yards per game) allowed. Alley reportedly earned $850,000 this season at Oklahoma, making him one of the lowest-paid coordinators in the SEC. The Mountaineers are in desperate need of defensive help after a dreadful 2024 performance where WVU finished near the bottom of the FBS in several major defensive categories. West Virginia ranked 110th nationally this season with 31.9 points allowed per game and 111th nationally at 415.2 yards per game. Former coach Neal Brown fired defensive coordinator Jordan Lesley mid-season, replacing him with inside linebackers coach Jeff Koonz, before Brown was fired himself the day after WVU’s loss at Texas Tech that ended the regular season. Alley began his coaching career at Clemson, where he served as an undergraduate assistant and a grad assistant from 2012-18. He then coached linebackers at Boise State before becoming Lousiana Monroe’s defensive coordinator in 2021, which is when he first hooked up with Rodriguez, who was the program’s offensive coordinator that season. —Cal didn’t face USC or UCLA this season in its first year away from the Pac-12, but the Bears will play in Southern California, after all. The Bears (6-6, 2-6 ACC) were selected Sunday to play in the LA Bowl against UNLV (10-3, 6-1 Mountain West) on Dec. 18. Kickoff at SoFi Stadium is set for 6 p.m. and the bowl will air on ESPN. Cal opened as a 1.5-point favorite, according to the Action Network. In Justin Wilcox’s eighth year leading the program, Cal finished tied for 14th in the 17-team ACC after going 4-0 in non-conference play. The former Pac-12 teams kept the ties to the conference’s bowl games rather than taking on new affiliations in their new conferences, and Cal ended up with the shortest commute possible. The Bears will travel further than the Rebels, though, for a game that could help both teams recruit the Los Angeles area, though UNLV will do so with a new voice as coach Barry Odom accepted the job at Purdue this weekend. Wide receivers coach Del Alexander was named the Rebels’ interim head coach Sunday morning. Cal will be the more rested team as UNLV played Friday night in the Mountain West championship game, losing 21-7 on the road to College Football Playoff-bound Boise State. The Golden Bears will look to bounce back from a regular-season finale in which they were blown out 38-6 by Southern Methodist , another team headed to the playoff. Sophomore quarterback Fernando Mendoza missed that game with an illness and should be available for the bowl game. Dual threat quarterback Hajj-Malik Williams will pose questions for the Bears defense through the air and on the ground after accounting for 26 total touchdowns in 10 games following the departure of starter Matthew Sluka in an NIL dispute. Mendoza may have a chance to pile up yardage as the Rebels are No. 105 nationally allowing 241.2 passing yards per game, but UNLV only allows 109.8 rush yards per game, good for 17th in the FBS, one spot behind the Bears. Perhaps surprisingly, the Bears have only played the Rebels once in the teams’ history, winning 20-14 in Berkeley in 2022 . Cal played in the Independence Bowl last year, losing 34-14 to Texas Tech . The last time the Bears made consecutive bowl appearances was 2018 and 2019 in Wilcox’s second and third seasons in Berkeley. Cal has never played in the LA Bowl, which only began in 2019.
Indian manufacturers see technology adoption as key to profitability, yet allocate less than 10% of budgetsIndian manufacturers see technology adoption as key to profitability, yet allocate less than 10% of budgets
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