About GERRY KRAMER
Hailing from New York City about six decades ago, Gerry has authored more than 30 books on finance. He is a former banker, economist, editor, public speaker, consultant, world traveler, business school professor, CEO entrepreneur, elementary school teacher, and cocktail mixologist (bartender). He also maintains he is a great cook.
His children love the poems he often writes to them, but he admits unconditional love plays a role in that opinion.
Gerry spent the greater part of his career conducting more than 1500 seminars advising and teaching bankers around the world how to structure and market complex financial products. Realizing the error of his ways, he now focuses on helping non bankers understand financial alternatives. Thus, his column, Money $marts, is all about making smart financial decisions in a world designed to confuse.
- Columnist - Collier Citizen
03/09/2006 - current
Money Smarts: Body mass? You'll have to know your BMI
Published 07/24/2010 at 9:53 a.m.
What’s your BMI (body mass index)? Buried in the 1,000-page stimulus and 2,800-page health care bills are little known provisions. The specific rules adjoining them have yet to be written by the thousands of new government regulators being hired for ...
Money Smarts: The risk of politicizing insurance
Published 07/18/2010 at 8:29 a.m.
Basically, the insurance business is one of pricing risk. To do this, analysts (called actuaries) review the history of relevant events, current trends and potential changes in the future.
Money Smarts: Today as yesterday ... greenhouse gas monitor is coming
Published 07/01/2010 at 1:56 p.m.
This column is an update of a July 2008 article. Write to firstname.lastname@example.org
Money Smarts: Obama the punisher
Published 06/10/2010 at 2:43 p.m.
In the US, there are three million people in jail punished for breaking the behavioral rules of society. That’s about one percent of the population. We don’t assume from these “bad apples” that the other 99 percent of citizens are ...
Money Smarts: Credit scores and credit
Published 06/03/2010 at 3:26 p.m.
Historically, when it comes to obtaining credit, the pendulum always swings back and forth between easy and difficult. When flush with cheap money and an expanding economy, banks will make more loans (mortgages, credit cards, car purchases, home equity, etc.) ...
Money Smarts: Absorbing energy smarts
Published 05/27/2010 at 1:12 p.m.
Debates about energy often get testy. That’s because the arguments are usually clouded by emotions. The number one reason people buy mileage efficient hybrid cars, for example, is that it makes them feel good about themselves; the purchase provides for ...
Money $marts: Where Denzel when you need him to put the breaks on this runaway train?
Published 12/18/2013 at 12:26 p.m.
"Unstoppable" is a well-executed tense movie starring Denzel Washington as a veteran railroad employee who, along with a trainee, Chris Pine, try to stop an unmanned runaway 75 mph train.
Money $marts: Some truths about income inequality
Published 12/11/2013 at 12:21 p.m.
President Barack Obama gave a speech the other day before a planned receptive audience declaring income inequality to be "the defining challenge of our time."
Money $marts: A market based approach to healthcare
Published 12/04/2013 at 12:41 p.m.
The attempt by the federal government (i.e., Democrats) to seize control of the healthcare industry through the enactment of the misnamed "Patient Protection and Affordable Care Act" (Obamacare) is failing miserably.
Money $marts: The imperfect vs. the perfect
Published 11/25/2013 at 4:23 p.m.
Obamacare is a political disaster of historical proportions, damaging the credibility of the president and the progressive elites that supported this unforeseen monument to hubris and unobtainable utopian perfection.
Money $marts: The WOW (War on Whatever) approach to government policies
Published 11/20/2013 at 12:13 p.m.
Washington politicians and bureaucrats have developed a simplistic approach to drafting laws and regulations for implementing favored policies: they make war on what they don't like and fabricate truths in support of what they do.
Money $marts: Where's the Affordable Collegecare Act?
Published 11/13/2013 at 12:09 p.m.
Where's the Affordable Collegecare Act? OK, scratch that.
Money $marts: Masters of the universe, thank you for your service
Published 11/06/2013 at 11:33 a.m.
Appointed masters of the universe with superlative academic credentials like to use computer models and graphs drawn on blackboards to test and implement policies emanating from the magical theories of dead economists.
Money $marts: Hubris, good intentions, moral superiority and lies
Published 10/30/2013 at 11:59 a.m.
The Patient Protection and Affordable Care Act (aka Obamacare) looks to be an unmitigated disaster. Turns out those Republicans so loudly vilified and blamed for shutting down the government, trying to force a delay or repeal of Obamacare had a ...
Money $marts: Paying for the continuing party
Published 10/23/2013 at 11:54 a.m.
Extortion: the crime of obtaining something such as money or information from somebody by using force, threats or other unacceptable methods; the acquisition of something through the use of force or threats.
Money $marts: Yellin' at us won't improve a thing
Published 10/16/2013 at 12:32 p.m.
Some 75 years ago, a guy by the name of John Maynard Keynes wrote a book that was virtually unreadable unless you were a wistful academic economist with time on your hands and a desire to become a fast friend/advisor ...
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