David Hartman

David A. Hartman, a retired banker, is chairman of The Rockford Institute’s board of directors.

Latest by David Hartman in Chronicles

Results: 28 Articles found.
  • Regulation for Financial Sanity
    April 2009

    Regulation for Financial Sanity

    The Federal Deposit Insurance Corporation (FDIC) just reported that U.S. banks lost money at a $100 billion annualized rate during the fourth quarter of 2008. Sounds grim, but it only describes the visible part of the iceberg our financial Titanic has hit.

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  • March 2009

    The Perfect Storm

    The best-seller The Perfect Storm tells a true story of a ship caught in a vortex created by a continental low-pressure system, a tropical hurricane, and an arctic cold front off the shores of Newfoundland.

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  • October 2008

    The Revelations of the Obama Plan: Change We Can’t Afford

    The Democratic nominee for president has finally offered the details of his campaign theme—that he will radically change America if elected—by posting on his website “The Blueprint for Change: Barack Obama’s Plan for America.”

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  • April 2008

    Anatomy of a Meltdown: The Subprime Crisis

    At the close of 2007, the bloated inventories and declining prices of residential housing confirmed that the real-estate bubble had burst. This was triggered by losses on collateralized mortgage obligations (CMOs), which are based on pools of “subprime” mortgage collateral.

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  • November 2007

    Reflections on Immigration Reform

    The most significant event of President George W. Bush’s second term (thus far) has been the defeat of the Comprehensive Immigration Reform Act of 2007 (S.1348).

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  • The Economic Realities of U.S. Immigration
    November 2006

    The Economic Realities of U.S. Immigration

    Mass immigration is changing the fundamental character of America—our culture, institutions, standards, and objectives. Until recently, our society was the envy of the world, so why are these changes even necessary?

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  • The Price of Globalism
    October 2006

    The Price of Globalism

    It is paradoxical that, having led the Western world to triumph over fascism and then communism, the United States is now the vanguard of yet another world socialist order.

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  • Marx’s and Engels’ Illegitimate Offspring
    August 2006

    Marx’s and Engels’ Illegitimate Offspring

    If someone is overheard referring to the system of U.S. public finance as “socialist,” most Americans within earshot will write him off as a conservative crank who is being dragged kicking and screaming into the 21st century.

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  • January 2006

    A Step in the Right Direction

    On November 1, 2005, the President’s Advisory Panel on Federal Tax Reform issued its final report and received a chilly response from the proponents of tax reform (too much tax, and too little reform).

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  • January 2006

    Cracks in the Crystal Ball

    As the 21st century began, Americans appeared to have every reason to consider themselves the most fortunate citizens in the world.

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  • October 2005

    Dubious Dubya Budgets

    As the federal Fiscal Year 2005 approaches completion and the 2006 budget takes shape, the lack of fiscal discipline of the George W. Bush presidency continues to enlarge upon the “politics of joy,” which have characterized the Republican Party since the end of World War II.

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  • July 2005

    Essentials for a Lasting Peace in the Middle East

    No solution to the conflict between Israel and the Palestinians is possible unless we clearly define the obstacles that can and must be surmounted.

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  • February 2005

    Diagnosing the Diminishing Dollar

    Holding a green piece of paper decorated with patriotic symbols as a proxy for economic value is an act of faith. To do so with the currency of your own country is a necessary act of faith, since daily life requires it in order to make economic transactions.

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  • February 2005

    The Bush Economic Agenda

    Energized by his election as if it were a landslide, President George W. Bush proposes to spend his “political capital” on an ambitious economic agenda headed by reform of Social Security and the U.S. Tax Code.

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  • December 2004

    Taxation for Economic Survival

    The severity of the ongoing decline of U.S. manufacturing has placed our prosperity and national security in jeopardy. A principal cause of this crisis is the federal tax code, which currently imposes multiple layers of progressive taxation on U.S. goods.

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  • November 2004

    What Manufacturing Crisis?

    The recent U.S. recession, if judged by its effect on total employment, was the shortest and mildest of the post-World War II period. In the six months from the peak of July 1998 to the low of January 1999, employment declined by only 1.43 million workers, and, by May 2004, 7.5 million additional workers were employed.

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  • August 2004

    Grading Greenspan

    President Bush’s recent announcement that he will renominate Alan Greenspan for a fifth term as chairman of the Federal Reserve Board elicited mostly favorable reactions from a wide range of economic and political pundits.

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  • May 2004

    Europe’s Population Implosion

    Over the course of the last millennium, the populations of Europe (including Russia) and its Western offshoots (including the United States) grew explosively.

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  • Revolting Taxation
    April 2004

    Revolting Taxation

    On April 15, U.S. taxpayers will pay the last installment on their duty to government for 2003. The bill for federal, state, and local government totaled a staggering $3.3 trillion, of which one out of every seven dollars was in the form of “buy now, pay later” deficits, principally the federal one.

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  • May 2003

    The End of Income Taxes

    The tax cuts proposed by President George W. Bush take significant steps toward the reform of a federal tax code that retards growth of the capital stock, productivity, and incomes of all Americans.

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Results: 28 Articles found.



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