No One Over 35 Should Be Allowed to Make Climate Policy

There are many problems the world is trying to solve in 2022: the climate crisis, restarting after COVID, inequality, war, just to name a few. We count on our politicians and representatives to make decisions that will not only benefit us today, but will lead to a better, safer, more stable and equal world tomorrow. Here’s the problem: lots of the people in positions of power, with the ability to make the decisions that will wind up impacting the state of the climate in 30 years will not be around to experience the consequences of their decisions. The choices of past generations may have brought them comfort, profits and convenience , but these decisions also created polluted water and air and unjust social systems that my peers and I must now find a way to correct. Our survival will depend on the ability of my generation to overcome environmental damage resulting from short sighted decisions made by policy makers from earlier generations.

At Creative Investment Research, we contend that no one over the age of 35 should be allowed to make environmental and climate policy decisions. We do not disregard the work they have done to benefit their communities, the wisdom they have accumulated during their time in service, or the roles they have worked to earn. However, we do not feel that it is fair for them to choose the fate of those coming after them. Earlier generation, specifically Baby Boomers, will not have to deal with the long term health impacts of choosing to emit more greenhouse gasses today. Further, it appears that Generation X will not be significantly impacted further by systems that continue to discriminate against minorities and women.

We are grateful for the many wonderful things that past generations have done for us, the opportunities they have created, the innovation and creativity, etc. But we cannot ignore the fact that they also made many mistakes that now threaten the earth and stability of our society. Since we will have to live with the results of climate policy decisions made now, and since recent generations have been bad decisionmakers, my generation will need to take responsibility early. This will also allow older generations to focus on other problems. In essence, we'll take care of this one. (We have to.)

Researcher: Emily G. Fowler, Impact Investing Intern, McGill University

Edited by William Michael Cunningham

Maternal Health Financing Facility for Black Women: A Solution to an Urgent Problem

Maternal mortality is a significant issue in the United States, with Black women disproportionately affected. Research conducted by the Centers for Disease Control and Prevention (CDC) has shown that Black women are more likely to die from pregnancy-related causes than their white counterparts. However, the issue is not new, and despite the increasing amount of data available, the disparities have remained unaddressed for far too long. Creative Investment Research (CIR) is among the organizations that believe there is a solution to the problem. Through our proposed impact investing vehicle , the Maternal Health Financing Facility for Black Women (MHFFBW), we aim to tackle the mortality gap and support Black women during childbirth, which will, in turn, benefit their communities. The Facility, based on legally binding financing agreements containing terms and conditions that direct resources to individuals and institutions capable of addressing supply-side conditions at the heart of

BRICS Summit 2023: Navigating the Transformation of Global Finance

Recent developments in the global financial landscape have captured the attention of the finance world, promising a new era of integration, transformation, and collaboration. Amidst the excitement, however, it is essential to acknowledge the formidable obstacles that stand in the way of realizing these ambitions. The 2023 BRICS Summit , slated to convene amidst this shifting landscape, is poised to be a significant juncture that could have profound implications for the future of international finance. The resurgence of Bitcoin, marked by an impressive, if smaller, year-to-date price surge, has underscored its enduring relevance. Similar concerns surround the exploration of central bank digital currencies (CBDCs). The UK's digital pound initiative, while forward-looking, raises questions about stability, security, and privacy and potential economic power imbalances. The notion of a BRICS digital currency, potentially extended to include several countries, reflects a desire to chall

Projected Impact of Gun Laws on Corporate Profits in Texas

More Fortune 500 companies are located in Texas than in any other state. Texas successfully used low taxes and minimal regulations as bait to recruit companies like Tesla and Oracle. The state promoted these “advantages” in ads highlighting their “free-market” environment and criticizing the "tax and spend policies of liberal leadership" in Democrat-run states. Four million people migrated to Texas over the past ten years. Our economic models predict a reversal, however. State of Texas corporations on the Fortune 1000 list generate $2.2 trillion in revenue, $158 billion in profit. They have a market value of $3.8 trillion and employ 2.5 million people nationwide. We continue to believe this increased corporate presence in Texas imposes a tax on the nation as a whole. Texas allows anyone 21 or older to carry handguns without training or licenses, and maintains lower gun purchase age limits. Beyond the recent abortion bill, which allows people to sue those who "aid and abe

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