Wayne Howard

The role of alternative data (rent, utilities, subscriptions) in next-generation credit scoring

4 min read

• Credit

The role of alternative data (rent, utilities, subscriptions) in next-generation credit scoring

Wayne Howard January 27, 2026

For decades, your financial reputation was boiled down to a three-digit number. A credit score. And that...

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The Hidden Link: How Climate Risk and Insurance Are Reshaping Your Mortgage

5 min read

• Mortgage

The Hidden Link: How Climate Risk and Insurance Are Reshaping Your Mortgage

Wayne Howard January 20, 2026

Let’s talk about your dream home. You’ve got the down payment, your credit score is solid, and...

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Financial Planning for Non-Traditional Family Structures: A Modern Guide

5 min read

• Finance

Financial Planning for Non-Traditional Family Structures: A Modern Guide

Wayne Howard January 13, 2026

Let’s be honest—the picture of financial planning hasn’t exactly kept up with real life. You know, the...

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The application of behavioral finance principles to avoid common retail forex pitfalls

4 min read

• Forex

The application of behavioral finance principles to avoid common retail forex pitfalls

Wayne Howard December 23, 2025

Let’s be honest. Most retail forex traders know the technical stuff. They understand pips, leverage, and candlestick...

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A Practical Guide to Using Sentiment Analysis Tools for Major FX News Events

4 min read

• Forex

A Practical Guide to Using Sentiment Analysis Tools for Major FX News Events

Wayne Howard December 23, 2025

Let’s be honest. Trading around a major FX news event—like an NFP release, a CPI print, or...

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Micro-insurance and Parametric Triggers: A New Safety Net for Small Farms and Urban Gardens

4 min read

• Insurance

Micro-insurance and Parametric Triggers: A New Safety Net for Small Farms and Urban Gardens

Wayne Howard December 16, 2025

Let’s be honest. Farming, whether on a rural acre or a city rooftop, is a gamble. You’re...

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Mental Wellness and Therapy Coverage in Modern Health Plans: What You Actually Get

5 min read

• Insurance

Mental Wellness and Therapy Coverage in Modern Health Plans: What You Actually Get

Wayne Howard December 16, 2025

Let’s be honest. For years, mental health coverage felt like a footnote in the back of your...

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Your Credit Card Might Be Your Secret Wellness Weapon. Here’s How.

4 min read

• Credit

Your Credit Card Might Be Your Secret Wellness Weapon. Here’s How.

Wayne Howard December 9, 2025

Let’s be honest. Health and wellness spending can feel… well, expensive. Gym memberships, fitness trackers, that fancy...

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Credit Strategies for Early Retirement Planning: It’s Not Just About Saving

4 min read

• Credit

Credit Strategies for Early Retirement Planning: It’s Not Just About Saving

Wayne Howard December 9, 2025

Let’s be honest. When you think about early retirement, you probably picture aggressive stock investing, maxing out...

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Financial Technology Innovations in Mortgage Processing: A Quieter Revolution

4 min read

• Mortgage

Financial Technology Innovations in Mortgage Processing: A Quieter Revolution

Wayne Howard December 2, 2025

Let’s be honest. For most people, the word “mortgage” doesn’t spark joy. It conjures images of towering...

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