Dr. Richard Ray Shreve has a Ph.D in Economics, a Ph.D in Finance, plus graduate education in Chemistry. The last doctorate in Economics was from the Illinois Institute of Technology in Chicago, IL. His thesis was on measuring the Economic value of obsolete employees, especially managers at four large organizations. Over 43 years of academic appointments, he has taught Economics, along with other courses, at colleges around the country. He has also worked industrially for companies ranging from Kroger to Monsanto.