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Big Bank Stress Tests Provide Positive Results
Posted on April 14, 2014

Each year, the Federal Reserve conducts “stress tests” on banks to gauge their overall health. They want to see if a bank would be able to endure a lengthy, adverse economic scenario while still being able to lend to individuals and businesses. These tests were brought about by the Dodd-Frank Wall Street Reform and Consumer [...]

How do credit bureaus make money?
Posted on April 8, 2014

How do credit bureaus make money? Numerous theories exist. I decided it might be a good idea to take a closer look at some of these theories. One such idea is that the credit bureaus get paid by banks to return data as negative as possible, so banks can have the upper hand with their borrowers. [...]

Subprime housing market not what it used to be
Posted on April 2, 2014

Not so long ago, lenders gave out mortgages to potential homeowners without doing their due diligence. Often, no down payments or documentation were needed. As a result, the global economy suffered and the housing market crashed. There was the Adjustable Rate mortgage (ARM) with a low interest rate for a couple of years – then [...]

Keeping Startup Spending in Check
Posted on March 27, 2014

Those who are beginning a new business generally don’t have an unlimited supply of funds. So especially at first, there are some difficult decisions that need to be made with respect to keeping startup spending in check. Where is it essential to spend? Where can you save a few dollars here and there? There are [...]

You’re Getting Sued. Now What?
Posted on March 22, 2014

In 2012, there were more than 278,000 civil lawsuits filed (source). While many people will manage to escape being sued, you never know when it could happen to you. Unfortunately, those being sued – especially for the first time – are never quite sure how to react. The first thing most think of is the [...]

5 Reasons You Need a Business Plan
Posted on February 24, 2014

Guest post by Dave Lavinsky If you’re interested in starting or growing a company, you need a business plan. Your business plan can serve one of multiple purposes as follows. 1. Business Plans Help Raise Funding If you are seeking equity capital, typically from angel investors or venture capitalists, or if you desire a bank[...]

Dun & Bradstreet’s Credibility Issues
Posted on February 21, 2014

Credibility Corp is owned by Dun & Bradstreet (D&B), a New Jersey-based credit reporting giant whose annual revenue is more than $1 billion. About four years ago, Credibility was spun off from the parent company. Today, Credibility finds itself in a bit of hot water as a federal court upheld a motion[...]

Why You Should Invest in a Knowledge Base for Your Company
Posted on February 9, 2014

Have you ever had a day when all your working hours have been dedicated to answering customers' queries? Or one of those days when each customer who calls seemingly has the same questions to ask? If you or your staff spend too much time fielding customers' questions, it is likely that apart from losing efficiency, [...]

2014 Housing Forecast to Build on 2013 Momentum
Posted on January 30, 2014

Heading into 2014, the housing forecast seems strong. 2013 will be remembered as a year in which the market gained strength. Just look at some of these numbers in US News. A positive upward trend: Since December, the number of single-family and multifamily homes under construction had gone up for 28 consecutive[...]

2014 Investing Forecast
Posted on January 20, 2014

The 2014 investing forecast might be best described as “partly cloudy.” Last year was an abnormally good year in anyone’s book. The Standard & Poor’s 500 index showed that US equities advanced by about 30%. (Source) This number is the highest ascent since way back in 1997. Things were so good, in[...]