Time and time again our elected officials attempt to "fix" perceived deficiencies in the free market by making adjustments through government edict, regulation or legislation. Each time we see the negative effects of such action.

On today's show, I illustrate recent issues in just two cases. First is Obamacare. I warned you about the necessity of rising premiums because most young people would simply opt to pay a penalty rather than buy insurance. I claimed this would cause all those well researched and prepared predictions about enrollment numbers to become worthless. Today, Investors Business Daily announced that premiums are going up, big time. Not only that but your deductibles are going up as well.

As expected the $695 penalty is looking awfully attractive in the face of nearly $10,000 in out of pocket expenses for your aveage 30 year old. When will we learn.

Then we move on the results of President Obama's recent decision to reduce the premiums paid for mortgage insurance on FHA loans. Again we find that, rather than reduce the cost of owning a home the decision has had the exact opposite effect.

Government intervention is not the solution to the problem, it IS the problem.