Mark Zandi

Potential home buyers have a two-step decision process. First, they determine whether they can afford to make a purchase - does their income safely cover their mortgage payment? Then they determine whether owning is a better financial choice than renting - are the costs of owning a home lower than the cost of renting it?

Yes, agriculture subsidies are far too generous. They need to be reined in because they cater to special interests while distorting free market competition. Yes, the farm laws are an anachronistic mess.

I wanted to inspire people not to work under a bamboo ceiling. Whatever you are - yellow, black, white, brown - you don't have to allow your skin to define who you are or how you operate your business. There's not one face to anything.