Charles Duhigg Quotes

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Equipment sellers can pocket more than $2,500 every time they send a powered wheelchair to a patient and bill Medicare.

Fannie Mae and Freddie Mac buy mortgages from banks and other lenders, providing those financial institutions with capital to make new loans.

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If Freddie Mac is unable to raise capital, it could spark a political and financial crisis.

If you look hard enough, you'll find that many of the products we use every day - chewing gums, skin moisturizers, disinfecting wipes, air fresheners, water purifiers, health snacks, antiperspirants, colognes, teeth whiteners, fabric softeners, vitamins - are results of...

A few decades ago, many people didn't drink water outside of a meal. Then beverage companies started bottling the production of far-off springs, and now office workers unthinkingly sip bottled water all day long.

For years, many public health campaigns that aimed at changing habits have been failures.

Candy bar companies, through commercials, have tied their products to low-energy cues, transforming what was once a dessert into a pick-me-up for cubicle dwellers.

Between 1857 and 1929, while regulators largely stood idle, the American economy swung through 19 national boom-and-bust gyrations that sometimes threatened to wipe out whole industries within months.

As homeowners see the value of their homes decline, they become more likely to delay purchases of the big items - like automobiles, electronics and home appliances - that are ballasts of the American economy. When those purchases decline, large...

Even if consumer confidence hit rock bottom, that most likely would not be enough, by itself, to cause a depression.

As the United States has become an older nation, reverse mortgages have grown into a $20-billion-a-year industry, with elderly homeowners taking out more than 132,000 such loans in 2007, an increase of more than 270 percent from two years earlier.

In surveys, many borrowers say reverse mortgages have improved their lives and provided money they needed for retirement.

Because reverse mortgages do not require borrowers to make immediate repayments, the interest charges are added to the debt every day, and the total amount owed grows over time.

Lawsuits against reverse mortgage companies, including the nation's largest, Financial Freedom Senior Funding, contend that those firms helped pressure older Americans into bad investments.

Because the fees associated with a reverse mortgage are high, such loans make sense only for borrowers who expect to live in their home for a number of years.

Some financial advisers say anyone who may move in less than seven years should not take out a reverse mortgage.

It is almost always a bad idea to use a reverse mortgage to pay for a vacation or to buy a risky investment, like stocks or deferred annuities.

Cash from a reverse mortgage can be paid out in several ways, including a lump sum, a monthly payment, a line of credit, or a combination of those. If you do not need money right away, it is usually a...

When the vast baby-boom generation exploded into adolescence in the 1960s, marketers exulted. Advertising consultants, always eager to coin a phrase, began happily explaining to corporations the difference between 'teenyboppers' and 'counterculture consumers.'

Older consumers don't want to be treated like teenagers; what's more, they don't want to believe they fall into any niche at all.

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