This macro-economics book by a world-class FINANCIAL ECONOMIST, Frank DeFelice, Ph.D, posits solutions for the current U.S. macro-economics problems - high unemployment, slow economic growth, entitlements, national debt, deficit spending, balanced budget, and high gas prices - in addition to the definitive explanation of the cause of the 2008 financial fiasco and the 2009-10 recession. It details what the SEC does wrong and explains why the FED is not a good central bank. It concludes with a re-statement of macro-economics relevant for the 21st century. The Appendix contains 3 years of economics advice provided by the author to President Obama and Administration officials along with 8 replies from President Obama. The best low-risk personal investment is included since Dr. DeFelice was an SEC Registered Broker/Dealer and Investment Advisor. This book could be used for introductory college courses in Economics, Finance, History and Political Science; or as supplementary reading in those courses, or summer reading for incoming freshmen.