Jul 14, 2022Home Prices- and why everything is always about the mathHomes have always been characterized in terms of investments, but in actuality, home prices in real dollars were relatively flat for almost a century. This raises a number of questions for economists; will there be a reversion to the mean? Has something intrinsically changed about homes? Is “this time” different…Home Mortgage Rates3 min readHome Mortgage Rates3 min read
Jul 6, 2022Beyond the Memes- How One NFT is Changing the Post Student Experience…AGAIN!I felt like the original paper that I had posted describing the reasoning behind creating non-transferable Certificate NFT’s for my Blockchain course needed to be updated. The original article can be found here, but since the Coursera Blockchain Certificate for the class of December 2021 was minted, a lot has…Nft2 min readNft2 min read
Jan 11, 2022Beyond the Memes- How One NFT is Changing the Post Student ExperienceHave you ever been asked for an official copy of your diploma or certificate of course completion? Maybe the request is part of a requirement for future employment or admission to a program or professional organization? At this moment, the fate of your future is handed off to the responsiveness…Nft4 min readNft4 min read
Mar 4, 2021Are Cryptocurrency Exchanges The Next Iteration Of An Exchange?Are Cryptocurrency Exchanges The Next Iteration Of An Exchange? Almost everyone is familiar with pictures or movie scenes from tradition stock exchanges that trade things like equities, commodities, options, etc. But the reality is that most of these scenes are anachronisms, the crowds are almost all gone, floor brokers standing…Clearinghouse3 min readClearinghouse3 min read
Feb 18, 2021Why Understanding Financial Services “Plumbing” Isn’t an AfterthoughtWhy Understanding Financial Services “Plumbing” Isn’t an Afterthought-Yes, GameStop and Robinhood will change things For those of you who are not involved closely with finance I have a spoiler alert, finance isn’t nearly as complicated as you have been made to think. In fact, almost all financial transactions can be broken down into one simple concept — risk. Financial transactions are by and large…Clearing4 min readClearing4 min read
Dec 8, 2019Why Millennial’s Student Debt Makes More of a Difference Than You ThinkIn 1965, the federal government passed the Higher Education Act (HEA), which paved the way for today’s federal student loan program. Its stated goal was “to provide support to both individuals pursuing a postsecondary education and institutions of higher education.” More than a half-century later, the program’s success can be…Student Loans2 min readStudent Loans2 min read
Jul 27, 2018Retirement 2.0Retirement 2.0 As the onslaught of dire warnings about the disappearing ability to retire continues to inundate the popular press and our inbox , it begs the questions: “Are the warnings justified?”; “Is this true?”; and if so, “Why?” Have people simply become less responsible, or is there perhaps more…4 min read4 min read
Jan 27, 2018Can We Put a Price on Higher Education?Can We Put a Price on Higher Education? It will come as no surprise to most readers that student debt is one of the most prominent forces in many people’s lives. At $1.48 trillion, US student loan debt exceeds the GDP of 84% of the countries on earth. This is…4 min read4 min read
Oct 18, 2017Sales Practices, Incentivized Behavior, and CustomersThe use of sales incentives to influence the behavior of salespeople and how they sell to customers has a long history in the United States. For this, we have the National Cash Register (NCR) Company to thank, as it widely popularized the use of short-term incentives (STIs) in the late…Sales Practices4 min readSales Practices4 min read
Jul 29, 2017Guest Opinion: Know Your Customer? Are You Sure?Guest Opinion: Know Your Customer? Are You Sure? July 21, 2017 The Financial Revolutionist Dr. Jimmie Lenz I love movies about great mathematicians, real or fictional. The Imitation Game and Good Will Hunting are great ones, but A Beautiful Mind is my favorite. This movie profiles John Nash, who became…4 min read4 min read
