Michael C. I. Nwogugu is an author, entrepreneur and consultant, who has held senior management and Board-of-Director positions in companies in both the US and Nigeria. Mr. Nwogugu’s articles have been published in Applied Mathematics & Computation; Journal of Risk Finance; International Journal of Mathematics, Game Theory & Algebra; Discrete Mathematics, Algorithms & Applications; Corporate Ownership & Control; and Chaos & Complexity Letters. Mr. Nwogugu earned degrees from the University of Nigeria (Nigeria), the City University of New York (USA), and Columbia University (New York City, USA). Mr. Nwogugu’s book, Risk in the Global Real Estate Market (John Wiley, 2012), addresses various aspects of risk, mechanism design, household intertemporal allocations and constitutional economics; and introduces new and more efficient financial products.