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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Disney Stock On Stream With Comcast Bidding War

Disney Stock On Stream With Comcast Bidding War

In June of 2017, The Walt Disney Company also known as Disney (DIS) gathered with its board of directors to discuss the growth of two new business segments: direct-to-consumer and international, particularly seeking to expand the distribution of new streaming products, services, and offerings. A lot (not so quietly) has happened since then. Disney established a foothold in the direct-to-consumer marketplace by acquiring a 30% […]

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Tax Grants Gone Wild: Musk vs. Bezos

Tax Grants Gone Wild: Musk vs. Bezos

In 2014, Elon Musk secured $1.3 billion in tax grants from the state of Nevada to open a battery plant, this caught the attention of Jeff Bezos. Bezos grew green with envy over Musk’s ability to pit five states against each other in the form of tax incentive packages. As a result, Bezos couldn’t help but question why it was regularly accepting comparatively minuscule incentives. […]

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Tesla Stock: Musk’s Biggest Rocket

Tesla Stock: Musk’s Biggest Rocket

Tesla (TSLA) stock has gained 112% this year, boosting the company’s market value higher than that of General Motors Co (GM), Fiat Chrysler Automobiles NV and Volkswagen AG… COMBINED! There is much speculation as to whether Tesla represents the future of electric vehicles or is over hyped – leaving many to question whether Tesla’s stock is driven by record revenue & fourth quarterly profit in […]

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Retirement Accounts 101

Retirement Accounts 101

The concept of saving for retirement is not addressed as early as it should. In fact, with all the alarming data, it is something that should be on the forefront of everyone’s thoughts. While most employers offering 401(k) plans to their employees, you should also be making contributions to a self driven retirement plan early in your career. Especially when you’re earning less money! What […]

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Juul Goes Up In Altria Smoke

Juul Goes Up In Altria Smoke

THE RISE OF JUUL E-cigarette start-up, Juul Labs exploded in popularity with its initial 2015 launch. It is the highest-selling and fastest growing e-cigarette on the market. In 2017, it generated $224 million in revenue. In 2018 that figure rose to a cool $1 billion, no big deal. However, what was once praised as Silicon Valley’s $38 billion darling, now faces an uncertain future amidst […]

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WeWork Valuation Not Working For Investors

WeWork Valuation Not Working For Investors

Office-sharing startup WeWork, owned by The We Company, and SoftBank Group, are pressing ahead with plans to go public in spite of lukewarm interest for shares which many claim are overvalued. In January 2018, The We Company (which has a really sick website) raised money at a $47 billion valuation. Then reality struck. Institutional investors responsible for purchasing shares before the IPO have balked at […]

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Starbucks: More Than A Coffee Shop

Starbucks: More Than A Coffee Shop

This month Starbucks (SBUX) celebrated the 40th anniversary since Howard Schulz started with a packed coffee store in Seattle. That coffee store has since grown into a manifestation of the American Dream. Howard Schulz is now running for the Presidency with thousands of coffee stores across the globe. The company exceeded revenues of $10.7 billion last year. They have 16,850 Starbucks in 40 countries. They […]

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The Big Four: Dominating The Stock Market

The Big Four: Dominating The Stock Market

As of last week, the Big Four (Amazon, Apple, Facebook, and Google) have a combined market cap of $3.2 TRILLION which represents over 15% of the $20 trillion US economy. In 1997, shares of Amazon (AMZN) & Apple (AAPL) traded below $2 per share. Facebook (FB) & Google (GOOGL) hadn’t even been started. It was the dawn of the Internet Era. The following year, Google […]

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