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Graphic: Happy Halloween!

The evidence is clear: fraud causes investors to shed their shares of stock. When the stock market is booming, fraud swirls unnoticed beneath the frothy surface. Only when the market busts, as it did in the fall of 2008, are allegations of fraud and financial shenanigans exposed to the public. When they are, and rattled…

A glass jar full of coins and plant growing through it with some coins and plant leaves.

As a great fan of reverse mortgages, I am delighted that the government has made the changes needed to protect the viability of the Home Equity Conversion Mortgage (HECM) program.   Accessing home equity will become increasingly important in a world where retirement needs are increasing – people are living longer and face rapidly rising…