The New York Times is again on the warpath against what it calls "predatory lending."

Just what is predatory lending? It is lending that charges a higher interest rate than people like those at the New York Times approve of. According to such thinking -- or lack of thinking -- the answer is to have the government set an interest rate ceiling at a level that will be acceptable to third parties like the New York Times.

There has been much said recently about an overabundance of testing in schools, and I understand that it can be difficult to decide how this impacts your child's education.

When the Florida Water and Land Conservation Initiative first made it to the 2014 ballot, I would've bet my last dollar that by nowit would be about as popular as earthquake insurance.But, boy, would I have lost that bet.