David Kotok (private web site: www.davidkotok.com, new guide web site, www.thefedandtheflu.com) co-founded Cumberland Advisors in 1973 and was its Chief Funding Officer from inception till December 2024. David’s articles and monetary market commentaries have appeared in The New York Instances, The Wall Avenue Journal, Barron’s, and different publications. He has been a contributor to Bloomberg TV and Bloomberg Radio, Yahoo Finance TV, and different media. He has authored or co-authored 5 books, together with the latest one launched in 2025, for particulars: www.thefedandtheflu.com . He holds a B.S. in economics from The Wharton College of the College of Pennsylvania, an M.S. in organizational dynamics from The College of Arts and Sciences on the College of Pennsylvania, and an M.A. in philosophy from the College of Pennsylvania.David was Program Chairman and a Director of the World Interdependence Heart (GIC), www.interdependence.org , whose mission is to encourage the growth of world dialogue and free commerce with a purpose to enhance cooperation and understanding amongst nation states, with the objective of lowering worldwide conflicts and bettering worldwide residing requirements. David chaired its Central Banking Collection and arranged a five-continent dialogue held in Cape City, Hong Kong, Hanoi, Milan, Paris, Philadelphia, Prague, Rome, Santiago, Shanghai, Singapore, Tallinn, and Zambia (Livingstone). He has acquired the World Citizen Award from GIC for his efforts. David is a member of the Nationwide Enterprise Economics Points Council (NBEIC), the Nationwide Affiliation for Enterprise Economics (NABE), has served on the Analysis Advisory Board of BCA Analysis and is at the moment on the advisory board of RiskBridge Advisors. He has additionally served as a Commissioner of the Delaware River Port Authority (DRPA) and on the Treasury Transition Groups for New Jersey Governors Kean and Whitman. Moreover, he has served as a board member of the New Jersey Financial Growth Authority and as Chairman of the New Jersey On line casino Reinvestment Growth Authority.