Companies are very, very good - better than consumers themselves - at knowing what consumers are actually craving. — Charles Duhigg Copy Share Image
For most of Wall Street's history, stock trading was fairly straightforward: buyers and sellers gathered on exchange floors and dickered until they… — Charles Duhigg Copy Share Image
Analysts say that one reason Fannie Mae and Freddie Mac were privatized in the first place was to prevent political whims from… — Charles Duhigg Copy Share Image
Fannie Mae and Freddie Mac buy mortgages from banks and other lenders, providing those financial institutions with capital to make new loans. — Charles Duhigg Copy Share Image
Credit default swap is basically just an agreement that I have with you, where I sell you insurance on some bond you… — Charles Duhigg Copy Share Image
Fannie Mae has traditionally only bought and sold mortgages. But when a loan held by the company goes into foreclosure, Fannie Mae… — Charles Duhigg Copy Share Image
When marketers influence habits, they influence peoples' self-identity. And so when a group or company does something that doesn't correspond to our… — Charles Duhigg Copy Share Image
While markets are supposed to ensure transparency by showing orders to everyone simultaneously, flash orders are currently allowed because of a loophole… — Charles Duhigg Copy Share Image
In a flash order transaction, buy or sell orders are shown to a collection of high-frequency traders for just 30 milliseconds before… — Charles Duhigg Copy Share Image
“One of the systems we use is called the LATTE method. We Listen to the customer, Acknowledge their complaint, Take action by… — Charles Duhigg Copy Share Image
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… — Charles Duhigg Copy Share Image
Cash from a reverse mortgage can be paid out in several ways, including a lump sum, a monthly payment, a line of… — Charles Duhigg Copy Share Image
“Starting a little over a decade ago, Target began building a vast data warehouse that assigned every shopper an identification code—known internally… — Charles Duhigg Copy Share Image
Not so long ago, companies that borrowed lots of money were considered risky, appropriate only for daredevil stock pickers. Those with lots… — Charles Duhigg Copy Share Image
The desire to collect information on customers is not new for Target or any other large retailer, of course. For decades, Target… — Charles Duhigg Copy Share Image
Stock exchanges say that more than half of all trades are now executed by just a handful of high-frequency traders, who use… — Charles Duhigg Copy Share Image
The Great Bailout is mostly over for the banks. But for those troubled behemoths of the nation's housing bust, Fannie Mae and… — Charles Duhigg Copy Share Image
As homeowners see the value of their homes decline, they become more likely to delay purchases of the big items - like… — Charles Duhigg Copy Share Image
“If you want to stop smoking, ask yourself, do you do it because you love nicotine, or because it provides a burst of stimulation,… — Charles Duhigg Copy Share
“What matters are five key norms,” he told the audience. Teams need to believe that their work is important. Teams need to feel their… — Charles Duhigg Copy Share
America has always had an apocalyptic strain. Yet it also seems to believe that if, or when, The End comes, it will still come… — Charles Duhigg Copy Share
Bromates are regulated by the Safe Drinking Water Act, but officials are required to test for them only when water leaves a treatment plant. — Charles Duhigg Copy Share
“Habits, scientists say, emerge because the brain is constantly looking for ways to save effort. Left” — Charles Duhigg Copy Share
Between calculated risk and reckless decision-making lies the dividing line between profit and loss. — Charles Duhigg Copy Share
Older Americans are perfect telemarketing customers, analysts say, because they are often at home, rely on delivery services, and are lonely for the companionship… — Charles Duhigg Copy Share
“All our life, so far as it has definite form, is but a mass of habits - practical, emotional, and intellectual - systematically organized… — Charles Duhigg Copy Share
“Someday soon, say predictive analytics experts, it will be possible for companies to know our tastes and predict our habits better than we know… — Charles Duhigg Copy Share
“I love Paul O'Neill, but you could not pay me enough to work for him again" one official told me. "the man has never… — Charles Duhigg Copy Share
“THE FRAMEWORK: • Identify the routine • Experiment with rewards • Isolate the cue • Have a plan” — Charles Duhigg Copy Share
Barium, which is commonly found in power plant waste and scrubber wastewater, has been linked to heart problems and diseases in other organs. — Charles Duhigg Copy Share
A movement starts because of the social habits of friendship and the strong ties between close acquaintances. It grows because of the habits of… — Charles Duhigg Copy Share
“In some sense, he said, a community was a giant collection of habits occurring among thousands of people that, depending on how they’re influenced,… — Charles Duhigg Copy Share
