Regarding large bureaucracies, Mother Theresa once said, “So many signatures for such a small heart.” The same could be said for the U.S. banks embroiled in the foreclosure scandal. Haven’t they learned anything from the economy’s meltdown? Obviously, they haven’t learned that using so-called “robo-signers” to process foreclosure documents isn’t only wrong, but illegal. Do […]


It’s no secret that recent market cycles have created a financial blood bath. Millions of consumers lost trillions in net worth. People who work in real estate or investment banking have seen their livelihoods sink. And millions more Americans have lost their jobs and with them, their ability to stay afloat financially. Well, you know […]

police line-up

When we talk about ethics, we often train our spotlight on financial advisors. We assume unethical conduct usually starts inside them and spreads like the gathering gloom of a winter evening. But clients can trigger misconduct, as well. In their desire to make money or save money, they can push their providers into ethically gray, […]

baby crocodile

There’s been a lot of sound and fury about annuity suitability in recent years. Concerned about inappropriate sales to seniors, many states have adopted new suitability standards for agents to follow. Not surprisingly, insurance companies want their agents to justify and document the appropriateness of their annuity sales. What’s an agent to do? Get serious […]

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