The only way you can succeed as an entrepreneur is with a phd, according to Steve Bloom, a mortgage expert who has lived through many cyclical ups and downs in the real estate market before the current recession. Phd does not, when it comes to startups, refer to Doctor of Philosophy, but something entirely different—and you don’t necessarily learn it in school. To prove it, Bloom cites the cases of entrepreneurs who defied the odds and have thrived in the dog days of 2009. more...