Dr. Gary Smith is the Fletcher Jones Professor of Economics at Pomona College in Claremont, California and is affiliated with the Financial Economics Institute at Claremont McKenna College. He has published eight college-level textbooks, over 60 research papers, eight educational software programs, and is a noted public speaker. He has received national and international recognition in the media. His research has been featured in various media venues including "The New York Times," "the Wall Street Journal," "The Motley Fool," "Newsweek," and "BusinessWeek," He has been interviewed on CNBC and was a keynote speaker at the Brookings Institution in Washington D.C. and the Mortgage Finance Industry Summit in New York City. He received his B.A. in Mathematics with Honors from Harvey Mudd College and his Ph.D. in Economics from Yale University. Dr. Margaret Smith is President of Smith Financial Place, an independent financial planning coaching firm that provides holistic, comprehensive financial planning and life coaching services for its clients. She does not sell products or manage assets, but rather focuses on providing objective advice and coaching. She is a Certified Financial PlannerTM, a Registered Invest-ment Advisor, a member of the Financial Planning Association, and a Certified Integral CoachTM through New Ventures West. Margaret received a Ph.D. in Business Economics from Harvard and a simultaneous B.A./M.A., summa cum laude, in Economics from Yale. She has published various articles on real estate and finance.