Are you under 40 years old? 6 actions you can take to protect yourself.

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Wells Fargo has just shown the world that when you put sales goals, pressure, and the promise of the golden egg in the same pot, you are likely brewing a recipe for sales manipulation. The “Golden Egg” could take the form of bonuses, award trips, promotions, or other benefits given to high performers. Does that […]

DeJa Vu – Real Estate is Back.. or is It?

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The 80/10/10 loans are back.  This seems familiar and means people can buy homes and avoid Primary Mortgage Insurance (PMI) with almost no money down. When people don’t have very much money in their house, they are less incented to stick it out during the tough times. This really isn’t anything new. I remember looking […]

How to shop for a financial planner

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I have seen answers to this question from pundits like Suze Orman and Dave Ramsey. They usually recommend you “hire a CFP” and “ask your adviser how she gets paid.” These suggestions may be well-intentioned (if not used to sell books). However, in my experience, they don’t actually weed out the good advisers from the […]