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Boosting FICO Scores by Eliminating Negative Information from Credit Reports

In response to regulatory pressure and settlement of lawsuits with 32 states the Big Three of credit reporting – Equifax, Experian and TransUnion – have decided to omit certain negative items from the credit reports of consumers. Examples include: Tax-lien and civil-judgment data that don’t include a complete list of at least three data points [...]

If You Don’t Have a Plan the Government Has One for You

According to a recent study by just 40% of U.S. adults have a will (including only 36% of U.S. adults who have children under the age of 18). What’s more only 53% of U.S. adults have a healthcare power of attorney (“POA”). What’s the big deal? Without a will or similar trust agreement decisions [...]

Revisiting Decision-Making Biases

Our caveman ancestors had a simple test for survival – Fight or Flight. In our modern world money is the source of survival. As a result every primitive survival and pleasure-seeking drive is intensely focused on capturing and guarding money. These drives are involuntary and highly emotional emerging more quickly and forcefully than logical analysis. [...]

DOL’s Fiduciary Rule Helps Wall Street – Not Consumers

The recent release of the “fiduciary rule” from the Department of Labor is being hailed as a boon to consumers. Conflicts of interest in the retirement advice industry are supposed to be a thing of the best. But will they be? Many consumers seek guidance from a brokerage firm. You know them well – Morgan [...]

In Wake of DOL’s Fiduciary Rule Key Regulator Doubts Robo-Advisors Can Be Fiduciaries

Earlier this week the Department of Labor (“DOL”) released new rules aimed at ensuring providers of retirement investment advice adhere to a fiduciary standard – that is, to put the best interests of clients first and above all. This may seem like an obvious point but as we wrote here many investors have no idea [...]

What’s In a Google Search?

In an oft-paraphrased 1789 letter to Richard Price Thomas Jefferson wrote that a well-informed electorate is a prerequisite to democracy. The next time we as a society collectively wonder about the political landscape and direction of our country we need look no further than ourselves and the things we deem important. Just what are the [...]