Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and ...

Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over 35 years of diverse financial management experience. He is an expert on personal finance, corporate finance ...

Gilbert Gee and Annie Ro depict systemic racism as the hidden base of an iceberg 10 (see illustration in online appendix exhibit 1). 11 The iceberg’s visible part represents the overt racism that ...