David Kotok (private web site: www.davidkotok.com, new e-book 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 Occasions, 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 most recent one launched in 2025, for particulars: www.thefedandtheflu.com . He holds a B.S. in economics from The Wharton Faculty of the College of Pennsylvania, an M.S. in organizational dynamics from The Faculty 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 International Interdependence Middle (GIC), www.interdependence.org , whose mission is to encourage the growth of world dialogue and free commerce so as to enhance cooperation and understanding amongst nation states, with the objective of decreasing worldwide conflicts and bettering worldwide residing requirements. David chaired its Central Banking Sequence 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 obtained the International 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 presently 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.