The old stocks and bonds trading mechanisms that once ruled Wall Street have been left in the dust by a new generation of investment instruments that may consist a variety of components, each with carefully established value. Mutual funds were at one time the technological cutting edge for investors because they were made up of a portfolio of investments. You could buy stock in a collection of investments selected by professionals.
Today the development of investment “instruments” is driven by an assortment of sophisticated data applications utilized by professionals with high-level mathematical skills. The “derivatives” that turned sour and drove Wall Street into a panic in 2008 were investments constructed of other investments, many of them based on what proved to be high risk ventures. Those derivatives were developed, in many instances, by experts with some degree other than an MBA.





I'm Jay Willingham. My main focus is to help you make better grades, more friends and more money during college by showing you how to develop study skills through new technology.







Must-Have iPhone Apps for College
It’s a fact. Apps make the world go round. This relatively new technology has us acting like kids in a candy store allowing us to do just about anything easier, more efficiently, plus a lot more fun. Check out some of the hottest iPhone apps for college bound students and see for yourself.