Tag Archives: Michael McNiven


Trade Wars and Government Shutdowns Can Be Fishy Business

Author: Michael McNiven, Ph.D., Post Date: January 7, 2019

We have written with some regularity about the consequences of trade wars. The Apple story and the potentially larger economic slowdown in China are a case in point. There are consequences to all of this for all parties involved. In general, we do support free trade in the ideal world where there are no barriers […]

Surplus, Interest, Debt: Personal Finance in a Nutshell

Author: Michael McNiven, Ph.D., Post Date: October 26, 2017
Cumberland Advisors Market Commentary by Michael McNiven Ph.D.

What follows here is a basic guide for individuals regarding their personal approach to debt management and wealth creation. U.S. household consumer debt has reached an all-time high above $14 trillion as of the time of this writing, July 2019 (U.S. consumer debt hit $14 trillion in 2019). This includes student loans, auto loans, credit […]