This blog explores the transformative potential of economic education as a tool for empowerment and societal equality. It argues that by enhancing financial literacy, individuals from all backgrounds can gain the knowledge necessary to make informed financial decisions, thereby leveling the playing field and reducing economic disparities. The blog advocates for integrating comprehensive economic education into national curricula, highlighting its role in fostering a more informed citizenry and a more robust democracy. Through poignant examples and compelling data, the narrative underscores economic education's capacity to equip individuals with the tools needed to improve their economic circumstances and contribute to national prosperity. It calls on policymakers, educators, and community leaders to prioritize and invest in economic education, presenting it as a cornerstone of a truly equitable society.
What if the key to unlocking America’s potential, reducing inequality, and ensuring prosperity for all was hiding in plain sight – in the classrooms across our nation? While political debates rage and economic theories clash, we often overlook the transformative power of a balanced economic education.
Far from a mere academic exercise, understanding the forces that shape our financial lives is a critical life skill. Yet, in a rapidly evolving global economy, our education system has struggled to keep pace. The result? Generations of Americans left ill-equipped to navigate an increasingly complex financial landscape.
This is not just an individual struggle, but a national imperative. As former Federal Reserve Chairman Alan Greenspan once warned, “The number one problem in today’s generation and economy is the lack of financial literacy.” This lack of understanding doesn’t just impact individual bank accounts – it ripples across society, exacerbating inequality, stifling entrepreneurship, and hindering economic growth.
So how do we bridge this gap? How do we harness the power of economic education to create a more equitable and prosperous nation? The answer lies in a bold reimagining of how we teach economics – one that goes beyond theory and puts practical, real-world application at the forefront. By empowering Americans with the tools to make informed financial decisions, we can unlock the full potential of our economy and build a brighter future for all.
In this blog post, we’ll explore the current state of economic education in America, the far-reaching consequences of financial illiteracy, and the transformative solutions that can pave the way for a more financially savvy society. Join us as we embark on a journey to leverage the power of knowledge in the pursuit of prosperity.
Background Comprehensiveness
While federal student lending programs have been a fixture of the American education system since the 1950s, their impact on economic literacy has been a subject of heated debate. On the surface, these programs, such as the National Defense Education Act and the Higher Education Act, aimed to make college more accessible. However, critics argue that they’ve inadvertently contributed to the erosion of economic education.
One controversial aspect is how these lending programs have shaped the curriculum itself. As colleges increasingly relied on federal funding, it has been argued that they’ve become more beholden to government mandates and less responsive to the actual needs of students and the economy. This has led to a prioritization of certain subjects deemed politically expedient, often at the expense of practical economic skills.
Moreover, the very structure of these lending programs may have disincentivized students from truly engaging with the financial realities of their education. With the government bearing the risk, students are often insulated from the true costs of their loans, leading to a disconnect between their education choices and the economic consequences.
Another lesser-known facet is how the expansion of these programs has coincided with a shift in attitudes towards debt. As student loans became normalized, so did the idea of starting one’s adult life in significant debt. This normalization of debt has had ripple effects far beyond the realm of education, shaping how Americans approach everything from credit cards to mortgages.
Perhaps most controversially, some critics argue that the federal student loan system has actually exacerbated economic inequality. By funneling more students into higher education regardless of their career prospects, these programs may have inadvertently contributed to degree inflation and the devaluation of once well-paying blue-collar jobs. This has left many students saddled with debt and without the earning potential to pay it off, further widening the wealth gap.
These are complex issues without easy answers. But by grappling with these controversial aspects of our education system, we can begin to have a more honest conversation about the role of economic education in creating a more equitable and prosperous society. It’s a conversation that’s long overdue, and one that requires us to challenge long-held assumptions and confront uncomfortable truths.
Background Comprehensiveness
While federal student lending programs have been a fixture of the American education system since the 1950s, their impact on economic literacy has been a subject of heated debate. On the surface, these programs, such as the National Defense Education Act and the Higher Education Act, aimed to make college more accessible. However, critics argue that they’ve inadvertently contributed to the erosion of economic education.
One controversial aspect is how these lending programs have shaped the curriculum itself. As colleges increasingly relied on federal funding, it has been argued that they’ve become more beholden to government mandates and less responsive to the actual needs of students and the economy. This has led to a prioritization of certain subjects deemed politically expedient, often at the expense of practical economic skills.
Moreover, the very structure of these lending programs may have disincentivized students from truly engaging with the financial realities of their education. With the government bearing the risk, students are often insulated from the true costs of their loans, leading to a disconnect between their education choices and the economic consequences.
Another lesser-known facet is how the expansion of these programs has coincided with a shift in attitudes towards debt. As student loans became normalized, so did the idea of starting one’s adult life in significant debt. This normalization of debt has had ripple effects far beyond the realm of education, shaping how Americans approach everything from credit cards to mortgages.
Perhaps most controversially, some critics argue that the federal student loan system has actually exacerbated economic inequality. By funneling more students into higher education regardless of their career prospects, these programs may have inadvertently contributed to degree inflation and the devaluation of once well-paying blue-collar jobs. This has left many students saddled with debt and without the earning potential to pay it off, further widening the wealth gap.
These are complex issues without easy answers. But by grappling with these controversial aspects of our education system, we can begin to have a more honest conversation about the role of economic education in creating a more equitable and prosperous society. It’s a conversation that’s long overdue, and one that requires us to challenge long-held assumptions and confront uncomfortable truths.
Problem Description
The lack of a balanced economic education in the United States is worrying and concerning because it leads millions of Americans, especially the students, to student loan and credit card debt (Fox 2021). That in its turn leads millions of Americans to live paycheck to paycheck, not saving for retirement, missing investment, and business opportunities, and in my personal opinion, to not being fully free because freedom partially comes from wealth and financial freedom.
In 2024, only 28 states require students to take an economics course to graduate. In 2021, only 25 states had that requirement, so that small increase in supporting economic education shows the lack of urgency among state officials to make it a must for all students. The sad truth is that much of that small increase between 2021 and 2024 comes from economic concepts taught in civics and government courses instead of designing a solid economics curriculum that equip American students to enter adulthood with the right ammunition to make life-changing decisions. And to make things worse, some states are preferring financial education over economic education instead of integrating the two (“Survey of the States” 2024).
When it comes to the implementation process, the devil lies in the details. Legislative successes that promote economic education in curriculums is one thing, and the regulation and implementation of these laws could totally mean another thing. According to the Council for Economic Education, in 2022, the state of Michigan passed a law that requires schools to include a stand-alone personal finance course, but the Michigan Department of Education interpreted that to mean that only standards need to be met without requiring schools to include a stand-alone course. Other states leave it up to the districts to decide whether it is mandatory or optional to offer a course about economic education despite legislative mandates to do so (“Survey of the States” 2024).
So, how much debt is there and who owes all that debt? As of September 2023, the total student debt is roughly more than $1.7 trillion ($1.6 trillion in federal student loans and the rest are private loans) owed by forty-three million American borrowers. Three factors have contributed to the rise of the student loan debt in the United States. The first is the rise in the cost to attend college where tuition has grown faster than income. The second is the rise in the number of students attending college compared to the late 1980s and early 1990s. The third is the lack of state funding to public universities after the 2008 financial crisis (CFR.org Editors 2024).
For every 5 Americans, one of them holds a student loan. 53% of borrowers, which is equal to 45 million borrowers, owe less than $20K, 39% of borrowers who hold federal student loans owe between $20K and $100K, and only 7% of the borrowers owe more than $100K in federal student loans (Fowers and Douglas-Gabriel 2022).
Current Debate
Many experts and policymakers agree today that the rising cost to attend a university with the current volume of loans is holding student borrowers back from achieving their financial goals. Unlike the older generation that could pay off their student debt by finding jobs, the current generation is unable to do that due to the rising cost to attend a university, and the recessions that happened because of Covid-19 and the financial crisis in 2008 (CFR.org Editors 2024).
But experts and policymakers have disagreed about the ways to solve this challenge and lessen its impact on students. Three proposals have been introduced to solve this issue:
Implications
The implications of an unbalanced economic education can be very destructive for various stakeholders whether that includes the general public, or small businesses.
On the General Public
Student loans lead to less consumption because consumer spending is positively correlated to personal finance, so when consumers have less income due to debt, they tend to spend less. For every 1% increase in the debt-to-income ratio of a consumer’s student, their consumption declines by 3.7%. 18% of student loan holders report that it is challenging for them to purchase their daily necessities because of the financial burden placed on them due to student loans (Hanson 2023).
On Small Businesses
Small businesses are the backbone of the American economy. They make up 50% of the private sector, and 99% of the businesses in the United States. But, to start a small business, entrepreneurs need access to capital, and if they are under the burden of student loan debt, that alone can have lasting effects on their ability to survive and raise capital. According to the Federal Reserve Bank of Philadelphia, there is an economically negative correlation between changes in student loan debt and net small business formation (small businesses employing between one and four employees). The reason behind that is that those small businesses are heavily dependent on personal financing unlike large firms that are more dependent on outside capital. The number of small businesses with one to four employees decreased by 14% between 2000 and 2014 for a 3.3% increase in student debt loans (Ambrose, Cordell, and Ma 2015).
On Home Ownership
The relationship between student loan debt and the home ownership rate is complicated because student loans are a double-edged sword. It is logical to say that student loans reduce students’ financial ability to save enough money for a down payment or to qualify for a mortgage, but it is also logical to assume that investing in one’s own education leads to higher earnings. The rate of homeownership declined by 4 percentage points in the United States from 69% in 2005 to 65% in 2014, especially among young adults. And, if we break down these numbers according to ages, we find that 36% of people aged between 24 and 32 years old were1 homeowners in 2014 compared to 45% in 2005. While many factors have been responsible for this 9-percentage point decrease in homeownership, estimates say that roughly 20% of that decrease (2% of the 9%) could be attributed to the increase in student loan debt from 2005 to 2014 (Alvaro et al. 2015).
On Retirement
Student loan debt has a multigenerational impact on family and retirement savings. Roughly 84% of student loan holders say that they are less capable of saving for their retirement because of the burden of student loan debt. 73% of the borrowers expect to increase their contributions once their student loan debt is paid off, and 26% aren’t able to save any amount for their retirement because they need to pay off their student debt. Beside students who are the primary borrowers, parents and grandparents are also making sacrifices and sharing some of the debt burden with their children and grandchildren. 43% of parents and grandparents who took out student loans for their children and grandchildren say that they will increase their retirement savings once student loan debt is paid off. (“Understanding the Multigenerational Impact of Student Loan Debt on Family, Finances and Relationships” n.d.).
Solutions for a More Balanced Economic Education
Individual Lifestyle Changes
Don’t wait for the government to save the day – take charge of your own economic education and start today! It’s time to embrace the power of self-education and dive into the world of economics and financial literacy. With countless books and online courses at your fingertips, you have the opportunity to transform your financial future, one page or video at a time.
Imagine dedicating just an hour or two each day to expanding your knowledge. It’s as simple as swapping out some mindless scrolling for a thought-provoking article on current economic policies or trading a Netflix binge for an engaging online tutorial. By making these small changes to your daily habits, you’ll be amazed at how quickly you can become a true consumer of knowledge.
Picture yourself a few months from now, armed with a newfound understanding of the economic forces shaping our world. You’ll be able to navigate financial decisions with confidence, spot opportunities for growth and investment, and even engage in meaningful discussions about the policies impacting your life.
So why wait for high school or college to catch up? The power to build a strong foundation in economic education is right at your fingertips. Seize this moment to invest in yourself and your future. Start exploring the wealth of resources available to you and watch as your financial literacy soars to new heights. Your future self will thank you for taking this bold step towards a brighter, more financially savvy tomorrow. The cost of this newly adopted habit is at most a couple of dollars per month given the vast abundance of free and cheap resources on the internet from free online videos to eBook’s, free tutorials, and recorded online lessons on platforms like Udemy and YouTube free online videos and long-term impacts of this solution are countless on a personal level, and on the national economic level. Income is strongly tied to literacy. Adults with a minimum level of proficiency (level 3) make on average $63,000/year compared to adults who are just below the level of proficiency (level 2) and at the low level of proficiency (level 0 & 1) who make on average $48,000 and $34,000, respectively. At the national economic level, literacy could have tremendous economic benefits. If all American adults reach level 3 of proficiency, that alone will add $2.2 trillion to gross domestic product (GDP) (Rothwell 2020).
Governance Changes
While it’s rational to take individual initiatives toward self-education instead of relying on government’s efforts for that matter, the government at both the federal and state levels still have a responsibility to promote a balanced economic education to make sure the next generation is well prepared to enter adulthood with a solid understanding of key financial and economic principles that shape their everyday lives. It’s recommended that states require high school students to take courses in both economics and finance for at least an entire academic year where students develop an interdisciplinary understanding of how economics and finance work together for their best interests.
Virginia and North Carolina are very successful models to follow when it comes to financial and economic literacy. For example, both states require students to take a full-credit course in personal finance and economics to graduate where the Board of Education provides standards and objectives that allow the students to apply the skills, knowledge, and concepts learned in classrooms to be ready to enter college and civic life. In addition, they provide government funded websites filled with free educational resources to learn about economics, finance, and money (Pickler, Foote, and Spann 2023, 18-24).
It’s not a coincidence that these two states are placed among the top 10 states for financial literacy with each one receiving a grade of A. So, a potential roadmap should first entail the passage of legislation that clearly demands for these materials to be taught through full-credit courses rather than squeezing some concepts here and there. Second, the Board of Education must play a vital role in laying out the standards and objectives to be achieved in partnership with other state agencies to oversee the implementation and track progress.
Joining a Non-Profit Organization & Having a Mentor
From my personal experience, joining a group of experts with boots on the ground experience in the financial world is the best and smartest move an ambitious young person can make toward having a balanced economic education and much more than that. For those who aspire to become true catalysts of change in the economic landscape of our great nation, I wholeheartedly recommend aligning yourself with a distinguished assembly of visionary business leaders, such as the esteemed https://www.financialpolicycouncil.org/ Financial Policy Council (FPC). Under the sagacious guidance of its Founder and Chairman Ziad K. Abdelnour and the august members of the Project Liberty Team, the FPC transcends the mere impartation of rudimentary economic and financial theories. Instead, it imbues its members with the indomitable spirit of wealth creation, activism, and leadership, empowering them to become intrepid game-changers in the realm of finance and beyond.
By joining forces with this illustrious organization, one embarks upon a transformative journey that goes far beyond the acquisition of textbook knowledge. The FPC serves as a crucible in which the most brilliant minds in business converge, forging an unbreakable alliance dedicated to the noble pursuit of American prosperity. Through their unwavering commitment to the principles of free enterprise, individual liberty, and the indomitable spirit of innovation, the members of the FPC stand as a bulwark against the forces of economic stagnation and a beacon of hope for a brighter future.
In this hallowed hall of financial acumen, one is not merely a passive recipient of knowledge but an active participant in the shaping of our nation’s economic destiny. The FPC provides an unparalleled platform for individuals to unleash their full potential as wealth creators, activists, and leaders, armed with the tools and insights necessary to navigate the complexities of the modern economic landscape. By embracing the values and vision of this esteemed organization, one becomes an integral part of a movement that is not content with the status quo but instead dares to challenge convention and forge a path towards a more prosperous and equitable future for all Americans.
To be a part of a non-profit Think Tank as prestigious as the Policy Council is to find oneself in the company of an elite cadre of world-class doyens, drawn from the most illustrious corners of industry. From the titans of oil and gas to the master strategists of hedge funds, private equity, and real estate, the FPC assembles a veritable who’s who of financial acumen and business prowess.
Yet, what sets the FPC (https://www.financialpolicycouncil.org/) apart is not merely the individual brilliance of its members but the unbreakable bonds of camaraderie and shared purpose that unite them. The Project Liberty Team and the Board of Directors stand shoulder-to-shoulder, a band of brothers and sisters forged in the crucible of American enterprise, ready and willing to lend their considerable expertise and support to their fellow patriots.
In this rarefied atmosphere of intellectual rigor and unwavering dedication, the members operate with the precision and cohesion of a Navy SEAL unit. Each individual brings their unique skills and experience to bear, working in seamless harmony to tackle the most pressing economic challenges of our time. Through their combined efforts, they strive to unlock the full potential of the American economy, securing a brighter and more prosperous future for generations to come.
To be counted among this august body is to stand at the vanguard of economic thought and action, to be part of a living, breathing testament to the enduring spirit of American ingenuity and resilience. It is an honor reserved for those who have demonstrated an unwavering commitment to the principles of free enterprise, individual liberty, and the pursuit of excellence in all their endeavors.
In addition, exposure to business ideas, to a large network, and to think like a businessman, and to have the courage, the knowledge, and the character to go out fearlessly and be a game changer is a must for every person, especially the younger generation.
People must give up small thoughts and think big in a strategic way with a vision and execute that vision. From talking to many people my age, I see the lack of having not only a balanced economic education, but also the lack of having a strategic vision for their life and who they want to be. The majority of the younger generation must not fall into a circular loop that consumes their life due to unwise decisions that they could have avoided with some education.
To reverse that terrible course of action that has led to wealth destruction instead of wealth creation, look no further than the Financial Policy Council. Its commitment to financial education among many others, its commitment to mentoring its members where experienced professionals provide mentorship and guidance to newcomers in the financial and investment sectors, and the networking opportunities that it offers to its members with exclusive access to like-minded experts and professionals are a real treasure to reverse course of action and create the next generation of business leaders.
Conclusion
There is an unbalanced economic education in the United States where only half of the states require students to take a course in economics to graduate. That is a problem because it is leading millions of American students to fall under the burden of student loans by making unwise economic decisions, which in its turn has many serious implications for borrowers on many levels. It weakens their consumption, reduces their capability to become entrepreneurs and launch their own businesses, delays them, and even prevents them from being homeowners, and it disrupts their retirement planning. To transition from an unbalanced economic education to a balanced economic education, it is necessary to adopt a new lifestyle based on self-education, promote governance changes like the model of Virginia and North Carolina in promoted balanced economic and financial education, and joining a group of business leaders like the Financial Policy Council that not only equips its new young members with a balanced economic education, but it is a fertile ground for the rise of new business leaders.
Ending Statement
I encourage you to visit the Financial Policy Council website: www.financialpolicycouncil.org for a wealth of blogs focused on financial education, and a wide range of other topics that every reader will find sort of benefit in reading them. This is your opportunity to connect with experts from various investment silos that engage in discussions that prioritizes the financial education role in shaping America’s future. By joining forces, we can support initiatives that enhance economic strength, protect our national security, and lead to new scientific breakthroughs, setting the stage for American leadership for decades and even centuries to come.
#financialeducation #economiceducation #wealthcreation #studentloans #financialpolicycouncil #balancedeconomiceducation
Bibliography
Ambrose, Brent W., Larry Cordell, and Shuwei Ma. “The Impact of Student Loan Debt on Small Business Formation.” SSRN Electronic Journal, July 2015. https://doi.org/10.2139/ssrn.2633951
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CFR.org Editors, ed. “Is Rising Student Debt Harming the U.S. Economy?” Council on Foreign Relations. April 16, 2024. https://www.cfr.org/backgrounder/us-student-loan-debt-trends-economic-impact.
Fowers, Alyssa, and Danielle Douglas-Gabriel. “Who Has Student Loan Debt in America?” The Washington Post. May 22, 2022. https://www.washingtonpost.com/education/2022/05/22/student-loan-borrowers/.
Fox, Michelle. “To Raise Successful Children, Teach Them about Economics, Education Expert Says.” CNBC. October 11, 2021. https://www.cnbc.com/2021/10/11/to-raise-successful-children-teach-them-about-eco nomics-expert-says.html.
Hanson, Melanie. “Economic Effects of Student Loan Debt.” Education Data Initiative, September 20, 2023. https://educationdata.org/student-loan-debt-economic-impact.
Mezza, Alvaro A., Daniel Ringo, Shane Sherlund, and Kamila Sommer. “On the Effect of Student Loans on Access to Homeownership.” Finance and Economics Discussion Series 2016, no. 010 (November 2015): 1–35. https://doi.org/10.17016/feds.2016.010.
Pickler, David A., Cassie Lynn Foote, and Cameron Spann. Rep. The Nation’s Report Card on Financial Literacy, October 3, 2023. https://www.thenationsreportcard.org/_files/ugd/991d30_afe3a667bf394638ae3c0c21 c2c159f5.pdf.
Rep. Survey of the States. Council for Economic Education, 2024. https://www.councilforeconed.org/wp-content/uploads/survey-of-states-2024.pdf.
Rothwell, PhD, Jonathan. Rep. Assessing the Economic Gains of Eradicating Illiteracy Nationally and Regionally in the United States. Barbara Bush Foundation for Family Literacy, September 9, 2020.
“‘Understanding the Multigenerational Impact of Student Loan Debt on Family, Finances and Relationships.’” TIAA, August 2019. https://www.tiaa.org/public/pdf/i/infographic_914625.pdf.
Disclaimer: This article discusses certain companies and their products or services as potential solutions. These mentions are for illustrative purposes only and should not be interpreted as endorsements or investment recommendations. All investment strategies carry inherent risks, and it is imperative that readers conduct their own independent research and seek advice from qualified investment professionals tailored to their specific financial circumstances before making any investment decisions.
The content provided here does not constitute personalized investment advice. Decisions to invest or engage with any securities or financial products mentioned in this article should only be made after consulting with a qualified financial advisor, considering your investment objectives and risk tolerance. The author assumes no responsibility for any financial losses or other consequences resulting directly or indirectly from the use of the content of this article.
As with any financial decision, thorough investigation and caution are advised before making investment decisions.
Disclaimer: This article discusses certain companies and their products or services as potential solutions. These mentions are for illustrative purposes only and should not be interpreted as endorsements or investment recommendations. All investment strategies carry inherent risks, and it is imperative that readers conduct their own independent research and seek advice from qualified investment professionals tailored to their specific financial circumstances before making any investment decisions.
The content provided here does not constitute personalized investment advice. Decisions to invest or engage with any securities or financial products mentioned in this article should only be made after consulting with a qualified financial advisor, considering your investment objectives and risk tolerance. The author assumes no responsibility for any financial losses or other consequences resulting directly or indirectly from the use of the content of this article.
As with any financial decision, thorough investigation and caution are advised before making investment decisions.
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It’s 2021…Why Are You Not a Capitalist? February 19, 2021
Why Do People Lose Money on Stocks? February 11, 2021
Facts About Hedge Funds That Will Blow Your Mind January 27, 2021
The Big 5 Breakdown January 19, 2021
2021: Where to Invest December 15, 2020
4 Tips To Become a Wealth Creation Warrior November 20, 2020
You Get What You Negotiate November 13, 2020
Capitalism: The Empowerment of the People November 9, 2020
Economic Agenda: Trump v/s Biden…. The choice is clear October 28, 2020
Capitalism: Misunderstood October 20, 2020
America the Beautiful October 5, 2020
Business is War October 1, 2020
Redrawing the American Economic Map September 28, 2020
Have the socialists set out to destroy your family? September 24, 2020
3 Financial Rules That You Can Never Break September 16, 2020
Will President Trump Reign Supreme in This Election? September 8, 2020
The Games Have Begun September 5, 2020
The Power of Capitalism – My Testimony August 28, 2020
Why would anyone in his right mind vote for a Socialist Democrat? August 24, 2020
Capitalism: Your Ticket to Freedom August 15, 2020
Check These 4 Things To Skyrocket Towards Your Goal August 6, 2020
Beware: This One Thing Can Cost You Your Freedom July 23, 2020
Colleges Tax-Exempt Status Needs to Be Re-Evaluated July 20, 2020
The Bigger Picture July 17, 2020
We are under spiritual attack. Are you prepared for war? July 10, 2020
Ripping Off the Band-Aid: Why Payment Protection Programs are Not Good in The Long Term July 1, 2020
Negative Conflict June 15, 2020
The Road to Tyranny February 12, 2020
Banks must find their Crypto courage November 6, 2019
Congress Must Pass the SAFE Banking Act October 28, 2019
Private Equity and Venture Finance in MENA: Back to the Future August 22, 2019
Venture Finance in the MENA Region: Challenges and Opportunities Ahead July 15, 2019
The U.S Must Win the 5G Race by Any Means Necessary July 5, 2019
The Unprecedented Wealth Creation Opportunity of the Cannabis Industry is just getting started June 3, 2019
How to Take Out the Trash: Weeding Out Bad Data & Keeping It Out May 13, 2019
Garbage In, Garbage Out: Why Bad Data is Worse Than No Data May 10, 2019
The US Desperately Needs of a Department of Cyber Security April 29, 2019
US Health Care and Health Tech Innovation April 1, 2019
Credit Reporting Reform: Individual Consumers Must Take Responsibility of Their Own Data March 5, 2019
American Exceptionalism vs. Socialism February 16, 2019
Blockchain: U.S Regulation and Governance. January 21, 2019
Nonbank Lenders: The New Risk in the U.S. Mortgage Industry December 10, 2018
Regulating Social Media – Yeah or Nay September 18, 2018
The Systemic FinTech Revolution September 5, 2018
What Does It Take to Be a BIG Disruptor? August 4, 2018
Crude Oil Price Cycle – The Stealthy Economy Killer June 12, 2018
Make Cannabis Great Again May 7, 2018
Emerging Markets Infrastructure Project Investment: Issues and Opportunities April 26, 2018
The Case for a Free World: Central Banks vs Cryptocurrencies March 5, 2018
Family office growth and governance January 31, 2018
Future of the VC Industry January 16, 2018
The Blueprint for Community Banks in a Digital World January 11, 2018
Bitcoin: Drawing the Line Between Investors and Gamblers December 12, 2017
Why Keep the Mortgage Interest Deduction Intact for Now November 24, 2017
The Looming Public Pension Fund Crisis October 23, 2017
U.S. Healthcare: The Most UnAmerican Industry October 10, 2017
Understanding and dealing with bubbles – a review of the state of the art September 27, 2017
RENEWABLE ENERGY: A COMPLEX SYMPHONY TO BE CONDUCTED, NOT REGULATED August 22, 2017
The FATCA Debacle Requires Repeal July 15, 2017
The Financial Power of Impact Investing June 2, 2017
Chinese Investments in U.S. Real Estate – Challenges, Opportunities and Policy Recommendations April 18, 2017
A Case For US Infrastructure April 4, 2017
Turning around the US Economy:- My Top Recommendations for President elect Trump December 12, 2016
To all those wide-eyed millennials looking for a break November 29, 2016
BREAKSIT June 24, 2016
The Symbiosis of Institutional Investors and Activist Hedge Funds May 16, 2016
Emerging Economies – Black Holes or Treasure Troves? April 24, 2016
Financial Impacts of Foreign Events March 31, 2016
Hedge Fund Performance and Regulation March 21, 2016
The World In a (Cracked) Nutshell: Things Happen February 24, 2016
Making a Difference in Our Short Lives February 16, 2016
Investors Can Boost Their Cybersecurity: Back to the Basics February 5, 2016
Key Financial Regulations To Monitor January 14, 2016
Success and Ego – Two sides of the same coin? November 22, 2015
When Will We Stop Blindly Pissing Away Money Down the R&D Rat Hole? November 11, 2015
The Activist Investor: A True Ally of Corporate Governance November 3, 2015
Is the Intellectual Elite Out of Touch with Reality? November 2, 2015
Harvard Business Review: Candid Arrogance or Just Plain Stupidity? October 23, 2015
Smart v/s Wealthy August 10, 2015
US Infrastructure Development: A Case for Public Private Partnerships June 13, 2015
Will Wall Street ever be fixed? May 26, 2015
Entrepreneurship: The Way To the Future? April 27, 2015
Financial Policy Best Practice Framework March 24, 2015
Why Financial Education? March 9, 2015
Central Banks: A Question of Governance February 5, 2015
My Personal Reflections on Davos 2015 February 2, 2015
Salvaging the US shale boom January 3, 2015
What Would Our Founding Fathers Think if They were Alive Today? November 23, 2014
Is Greed Good for the Goal of Improving Society? September 29, 2014
Monetizing your Knowledge – Convert Knowledge into Money September 8, 2014
Making the Capital Markets Smarter Some Food for Thought May 5, 2014
Coming out with “Out of the Box” Ideas for your Non-Profit January 29, 2014
Whatever happened to Integrity January 13, 2014
Building a Crisis Resilient Financial System December 16, 2013
Raising Money For Non-Profit Organization – Ziad K Abdelnour November 12, 2013
The Power to turn the US Economy – Financial Policy Council October 5, 2013
About the Power Brokers Shaping Our Global Capital Markets September 16, 2013
Are You Really The Entrepreneur You Claim To Be? September 2, 2013
My Thoughts Regarding Wealth Redistribution August 27, 2013
Winning Financial Support For Your Non Profit August 19, 2013
Will the Venture Capital Industry ever go back to its glory days? August 12, 2013
Discerning Fact from Fiction August 5, 2013
Living your Life as a True Activist? July 28, 2013
Wealth Takers v/s Wealth Creators Some food for thought July 9, 2013
Stop Procrastinating and Find a Reason to be Rich July 1, 2013
It is all about Money and the Media Stupid Wake up June 29, 2013
Why do we still listen Economists when Vast Majority Forecasting Wrong? June 24, 2013
Is this Capitalism? June 13, 2013
America Tear down the wall before it’s too late June 11, 2013
Investing Post Crisis June 5, 2013
Is this a Housing Scam or What Exactly? June 1, 2013
Why Wealth Bashing? – Financial Policy Council May 16, 2013
Wealth Creation Tips and Strategies April 9, 2012
Why don’t we let Banks Fail? November 13, 2011
On Tax Cuts for the Middle Class and the Wealthy August 20, 2011
7 Rock Solid Reasons Why Giant Banks Need to be broken up NOW August 15, 2011
What part did Hedge funds play in the crash of 2008? July 15, 2011
Have we learned anything from the Financial Crisis of 2007? June 3, 2011
How stupid does Wall Street think we all are? – Financial Policy Council June 3, 2011
The Seeds of our Destruction – An academic outlook May 2, 2011
Wreckonomics: America’s Fiscal Policy in Action April 15, 2011
The greatest threat facing the US today is…. April 2, 2011
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