Arnold 's Blog

Probably the most important reason to use a mortgage broker, rather than going down to the bank is that you get the chance to see which of several possible ways to finance your property might work for you.  Every lender has a limited suite of loan products: the advantage of brokerage is that we s...

It's time for a confession: when I was first introduced to computers, everything that went into them went in on punch cards, and there was not only a question of what computer language to use, but how to get the JCL to process the cards properly. As an undergraduate, the closest I came to seeing ...

This question has been the subject of a lot of hand-wringing, and several people eager to expand their reach have leapt in ineptly. There are two tests for "what is a security".  First, from a federal perspective, the answer comes from the case SEC v. W.J. Howey Co., 328 U.S. 293 (1946).  An inte...