The Derivative Project

Conflicted media reports

New York Times’ Article on 403B Plans: Sponsored Advertising for “Wealth Management Firms”?

New York Times’ Article on 403B Plans: Sponsored Advertising for “Wealth Management Firms”?

Tara Siegel Bernard, personal finance reporter for the New York Times, wrote on October 21, 2016, “Think your Retirement Plan is Bad?  Talk to a Teacher.”  403(b) plans traditionally used for non-profits and schools, not only may not be covered by ERISA, but have traditionally pushed annuities that carry high fees…

Labor Day 2015:  Progress from the White House, Barriers from Media Increase

Labor Day 2015: Progress from the White House, Barriers from Media Increase

Lack of Transparency on Cost-Effective Retirement Investment Selection is Fueled by Wall Street’s Advertising that Controls Media and Consumer Message Labor Day 2014, The Derivative Project wrote on the loss of defined benefit pensions and the emergence of intermediaries that are siphoning off billions from American’s retirement nest eggs, without adding…

Wall Street, Hillary and a Disingenuous Revolution

Wall Street, Hillary and a Disingenuous Revolution

William D. Cohan wrote in Politico, November 11th, “Why Wall Street Loves Hillary.”  Perhaps just happenstance, but at the very same time, November 10th, a former Clinton Aide, announced his new firm,  Aspiration,  designed to “democratize” investing for the middle class….click here for  “revolution”  so says the Aspiration website. The…

Open Letter to The New York Times and the Star Tribune

Dear Editors of The New York Times and The Star Tribune: The Star Tribune, Minneapolis, Minnesota published an article, MF Global Woes Ripple Into the Heartland this week concerning the plight of Minnesota farmers who have had thousands of dollars, used for hedging their crops, frozen, due to the MF…

The Working Agenda for Tomorrow’s House Hearing on Costs of Dodd-Frank

The House Financial Services Committee on Oversight and Investigation will hold a hearing tomorrow afternoon on “The Costs of Implementing the Dodd-Frank Act:  Budgetary and Economic”. Here is the Majority of Americans Wish for a Working Agenda and Lively Debate What are the unbiased costs and implications of regulatory arbitrage…

“Lavish” Teacher Salaries, IRR’s and Regulatory Arbitrage

Last Week:  The European Union Banned Naked Credit Default Swaps and Moved Towards A Speculation Tax, While The U.S. Focused on “Lavish” Teacher Salaries March 7, 2011 the European Union made it official, naked credit default swaps are banned, unless one is selling against a “proxy” portfolio. Here is the…

First Minnesotan Betsy Jensen, Now Our Dairy Farmers: End Users, Don’t Be Manipulated Any More By Derivative Dealers

Congress:  The Charade of “What is Best for End Users” Is Over December 12, 2010, The Derivative Project presented Congress and Mr. Gensler a “to-do” list for reforming OTC Derivatives and meeting end users’ hedging needs.  Congress, it is time for serious debate on this alternative. Taxpayers deserve no less…