Tag Archives: Obama

Common Education in a Complex World

Pietro Savo American Writer







Real world education lags behind today because teaching and research activities nominally directed towards complex, real-world problems that are inherently interdisciplinary from the past. In today’s modern world of speed of light communication, problems that are 1 year old are too old, and not reflective of real-time. Business schools must step up the urgency, today teaching students to ask questions is not enough; students need to derive the solutions in the same breath. Urgency is dependent of focusing on the interests of business disciplinary academic journals, and walking into a business and teaching class in the real combat zone, a true academic zone where the business decisions are real-time.

Today much of the academic work of business school professors are inclined to create a focal point on the interests of disciplinary academic journals from past studies that do not apply to the real world today. With the pressures from an academic business focus to educate students as a means to generate revenue, this results in unprepared business school graduates developing devastating business unproven unrealistic business strategies. Resulting in isolated points of view, unable to develop and capture opportunities for exchange of ideas and joint study with those from other political parties across the aisle.

Slow to move regardless of alarm from both business and academic leaders (Bennis, 2005) and a strong recommendation to remove boundaries between real-world and educational disciplines’ from the a leading international business school accrediting organization (AACSB, 2002).

These challenges of changing fundamental structural barriers remains intact and appears like the World War 1 trench warfare that stretched from the North Sea to the Swiss Frontier with France.

Today because of the amazing speed of the social networking model, it becomes extremely convenient to venture cross-disciplinary collaborations and what is clear is that academic programming and research need to capitalize on this perspective as a means to transfer significant real-time knowledge (Marginson, 2000) resulting in more adaptable political leaders of the future.


AACSB. (2002). Management education at risk. AACSB International, Management Education Task Force. Tampa, FL.

Bennis, W. G., O’Toole, J. (2005). How business schools lost their way. Harvard Business Review, 83(5), 96–104.

Marginson, S. (2000). Re-thinking academic work in the global era. Journal of Higher Education Policy and Management, 22(1), 23–35.

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Credit Card Industry Friend or Foe, You Decide!

Credit card industry and drug dealers have a great deal in common, the business models are similar. Strategically targeting young people in college, credit card industry throws many risky credit card applications into student’s mailboxes. Think about this, how can a student afford any credit at all, and turn down what appears as free money? The enticement, the hook is easy, young inexperienced and unprepared to combat predatory lenders. 76 percent of undergraduates have credit cards, and the average undergrad has $2,200 in credit card debt. Having no means to pay off what you borrow begins a lifetime of indentured servitude. Never-ending, simply paying the minimum payment, pure interest, a predatory lenders delight. Real moneymakers for the credit card industry, they make back their money many-times over. The average outstanding credit card debt for households was $10,679 at the end of 2008. (Source: Nilson Report, April 2009)

The credit card industry in the United States with annual earnings in the $30 billion range is the most profitable industry. This industry started to become profitable as a result of deregulation, then the Supreme Court decision in the Smiley v. Citibank case lifted fees on what credit card banks could charge, and fees went from a modest $5 to $10 to today’s $29 to $39 fee for paying late or simply going over your credit limit. Credit card banks also use specific marketing tactics to increase their profits. The first is zero percent introductory interest rate offers, when this period ends the interest rate increases to 17 or 19% overnight. The second tactic used is to require a minimum monthly payment of only 2% to encourage cardholders to endlessly carry a balance so they can rake in more interest profit. (Source: Wall Street Journal, Apr 13, 2009)

There are those who can pay-off their cards every month. However, the credit card industry is banking on you not doing so. The credit card industry today a guaranteed moneymaking business model, they are banking on most of the credit cardholders not paying off their balance every month. Interest rates from 5% to 29%, anyone’s guess, the credit card industry forced organized crime’s moneylenders out of business; it is difficult to compete in a market legitimized by the government. That explains why credit card company profits are so high and their executives receive some of the largest salaries and bonuses in the corporate world. (Source: Wall Street Journal, Apr 13, 2009)

So what is the pay-off for credit card consumers, no pay-off exist; the only guarantee is a lifetime of paying back on a never-ending credit card balance? Since the United States Senate and United States Congress let this happen. Simply follow the lobbyists and the large sums of political donations directly to Washington politicians, the solution then becomes obvious, we need term limits for anyone in political office!


Homeland Security Problem is the “Tip of The Iceberg!”

check please

The poorly informed Homeland Security Secretary Janet Napolitano apologized to veterans after a report issued by her department said troops returning from the wars in Iraq and Afghanistan were at risk for recruitment by right-wing extremists. A leader’s role in a democratic society is to have enough experience to avoid insulting the men and women serving in the Armed Forces that keep them safe. Our Constitutional Fathers were patriots who believed in the freedoms that today are at risk because government officials act without thinking. Ultimately, we believe and hope the Obama administration finally becoming staffed with smart people; however, the evidence is contrary. Now the question that comes to mind, where was the American Civil Liberties Union (ACLU) while this government wrongly insulted and accused our veterans?

What happen to due process for our Armed Forces, what happened to due-process according to the ‘law of the land’ and whose duties it to protect the Armed Forces’ civil liberties? Napolitano’s apology was not the solution; she was simply re-acting to the symptom, getting to the root cause to Napolitano department’s error, the only way to ensure it never happens again.

Our founding fathers, as a deterrent against fancy governmental double speak, created the Constitution. Due process for all citizens is the law. When supposedly smart people from the Obama administration insult our nation’s finest citizens, this problem is simply the Tip of The Iceberg. Again another reason why government must be for the people and not just for more government, ACLU asleep on watch once again, clearly time to cut the ACLU’s funding!