Fico: It’s Failure, Evolution & What It Means

Fico: It’s Failure, Evolution & What It Means

What started out as Fair, Isaac and Company, FICO, the analytics company and their omnipotent FICO Score has come to dominate many parts of our life. Want a mortgage? FICO. How about a car loan? FICO. Maybe refinance that student debt? FICO. The list goes on and on. But what exactly is a FICO Score, where do they come from and more importantly, do they […]

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Managing Debt: Over-levered & Under-saved

Managing Debt: Over-levered & Under-saved

Carrie Schwab-Pomerantz states “having a plan on how you’ll pay off the debt can keep you focused on what it will take to attain ‘financial freedom’”. THE CURRENT DEBT SITUATION Did you know that total household debt balances increased by $193 billion in the fourth quarter of 2019, and now stand at $14.15 trillion? To put things into perspective: balances have grown $1.5 trillion higher […]

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The Money & Financing Behind Green Bonds

The Money & Financing Behind Green Bonds

Here at Rapunzl we love green! From greenbacks & money to green beans and everything in between. It’s the best color there is. Just take a look at Rapunzl’s logo! Green represents life, cleanliness, and this beautiful place we call Earth. So naturally, this week we decided to take a look at how money becomes truly green: green bonds. So What are Green Bonds? Well, […]

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Living & Investing in a World of Negative Interest Rates

Living & Investing in a World of Negative Interest Rates

At many of the world’s central banks, setting key interest rates is the primary tool for conducting monetary policy. Their goal? Stabilize economic activity. When central bankers are worried about inflation or an economy expanding too quickly, they can raise rates. This increases the cost of borrowing, giving households and businesses more reason to save. In the midst of an economic recession, central banks can […]

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Why The Subprime Auto Debt Bubble Matters

Why The Subprime Auto Debt Bubble Matters

BUBBLES? SUBPRIME AUTO DEBT? WHAT? BUBBLE In the world of economics, a bubble represents a significant price increase of an asset irrespective to an increase in the asset’s underlying value. We saw it with housing prices in 2008: individuals were buying houses to “flip” rather than owning as a long-term investment. Bubbles emerge when the value of an investment is dictated by perception & speculation, […]

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