To Malpass, president of Encima Global, founder of GrowPAC and former chief economist at Bear Stearns, the changes need to start now.
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If they were going to address the problem, because it is so large, they would need to start talking now.
Many of the potential areas for larger savings will take time to implement and so radical ideas too need to start to be addressed now.
To be ready for that season, all candidates need to start raising money now.
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But your portfolio can't afford to wait--you need to start investing globally now.
If that is not to happen next year in Zimbabwe, independent electoral monitoring organisations need to start gathering information now on all aspects of the election: the voters' roll, intimidation, the use of government funds and facilities, and so on.
If Apple plans to introduce television sets late next year it will need to start spending on equipment to build those sets now.
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Plus, if Apple plans to introduce television sets late next year, it will need to start spending on equipment to build those sets now.
The need to quit each app to start a new one ends now.
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No one has a bigger say in that than the fans, who now need to start showing up.
You need to start looking at these issues now, and that means starting to look at the level of pension you can expect from the government, and when you can expect to receive it.
"We need to kick-start our league games now, " he told BBC Radio Cumbria.
But now we need them to start crossing things off.
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Now these are things that we need you to start asking yourselves.
Before you start, you need to be realistic about where your credit stands now.
If so, millions of healthy Americans now focusing on a better diet and more exercise might need to start popping pills.
Start looking through your records now and figure out what you need to do in order to file your tax return by the due date.
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And I hope we can now move forward to get small business owners the relief they need to start hiring and growing again.
Right now we need a leader who understands that we must encourage entrepreneurs to start companies, and to invest in other ambitious entrepreneurs.
"Three properties is a good start, but if they are looking to make a significant impact, they need to expand more now, " he says.
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What we need to do now is to make it easier for more companies to do the right thing, and one place to start is our tax code.
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