Ryan and Sandy chat with credit expert Gerri Detweiler about the new scoring system that could affect your FICO score. Ryan goes over some bear market history and Sandy tells you why you need to tax-diversify your retirement accounts. —LINKS— A history of bull and bear markets: www.yardeni.com/pub/sp500corrbear.pdf; Nav blog: www.nav.com/blog/; Changes are coming to your credit score: www.kiplinger.com/article/credit/T017-C000-S002-changes-are-coming-to-your-credit-score.html; 7 habits of people with excellent credit scores: www.kiplinger.com/slideshow/credit/T017-S003-how-to-raise-your-credit-score/index.html; Diversification on the road to retirement: www.kiplinger.com/artic...t.html; How to keep more money in retirement: www.kiplinger.com/artic...t.html; Why you need a Roth: www.kiplinger.com/article/retirement/T046-C006-S001-why-you-need-a-roth-ira.html; Weigh a Roth conversion: www.kiplinger.com/artic...n.html