"I applied to the Scholars program because I wanted to further my research experience and capabilities. I hope to enhance my understanding and ability to analyze everyday issues through an economic perspective. My goals include applying to graduate school, improve my statistical analysis, successfully complete my Honors Thesis, and to ultimately have a distinct post-graduation plan."
Behavioral and International Economics, Finance, International Policy, and Regulatory Authorities.
- Dean's List
- Florida Bright Futures
- Rotary 4-Way Test Scholarship
- Coite and Mildred Hill Scholarship
- John and David Rigsby Scholarship
- AP Scholar with Honor
- UF Bureau of Economic and Business Research
- Students in Free Enterprise (SIFE) Small Business Consulting
- UF Economics Club
- Student Investment Club
- Intramural Tennis
Gator Plunge, The American Cancer Society, Ronald McDonald house.
Hobbies and Interests
- Running, biking, playing tennis, traveling, outdoor activities, foreign exchange markets, political and social affairs.
Economic Evils of Paternalism
Well-intentioned legislatures have passed numerous statutes intended to protect us from others and even from ourselves. These statutes intrude upon our ability to contract with others and to make decisions for ourselves. In many cases, these statutes have presumably unintended consequences and thereby may cause more harm than good. There are numerous wage laws, mandatory provisions of health insurance by employers, seat belt laws, bicycle helmet laws, and occupational licensing to name just a few. I will focus my attention on a few specific topics and explore the costs and benefits, the unintended consequences, and the impact on consumers. For example, the payday lending industry has faced increasingly stricter regulation and a new law that reduces the allowable fee for payday loans. The interest charged on payday loans is justified when default risk and the fixed operating costs are taken into account. When you try to impose a cap on the interest payments, the lender faces increases costs which may make continuing business impractical. The decrease in payday loan locations causes many people in need of quick cash to seek other types of predatory and open-end loans. These loans turn out to be more harmful for borrowers than payday loans. The new regulation does little to make the payday loans less expensive and safer for the borrower. My research project will explain why the state neglects to notice and take into account the adverse effects of imposed regulation and estimate the effect of regulation that has not been carefully implemented. If the harm outweighs the benefit, then the regulation should be reversed or a more thorough regulation should be put in place. We should constantly scrutinize the implications of a change in policy to truly determine if the individual is made better off.