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Tell Them What They Want To Hear

Should a financial relationship be about doing what’s right or feeling good?  The former, right?  Not so fast. A survey by index zealots DFA found the #1 thing valued in receiving financial guidance is a “sense of security / peace of mind.”  Not that that’s a bad thing of course but at 35% of respondents [...]

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 [...]

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. [...]