Patent ID: 7014469

Claim:
A method of providing to a user a plurality of answer-options to an issue-question relating to personal finance and investment, in a computer having a processor, an input device, a memory storage device and an output device, said method comprising the steps of: (a) identifying and storing in the memory storage device a plurality of topics relating to personal investment and finance; (b) developing and storing in the memory storage device a plurality of issue-questions directed to each of the stored topics; (c) developing and storing in the memory storage device an expert opinion for each issue-question; (d) developing and storing in the memory storage device a prudent-investor opinion, said opinion being from persons having actual, hands-on, practical experience with specific financial issues, situations and investment issues, regardless of whether that person is actively and regularly engaged in investment matters, or maintains an active portfolio of investment properties, for each issue-question; (e) selecting, by the user via the input device, a topic; (f) selecting, by the user via the input device, an issue-question directed to the selected topic; and (g) providing to the computer output device a plurality of answer-options to the selected issue-question, the plurality of answer-options comprising at least one expert opinion and one prudent-investor opinion and forming a response that is polycentric and tailored to said issue-question.