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What Do I Do Now?
"Trying to predict the future is a discouraging, hazardous occupation," said author Sir Arthur C. Clarke in 1964. This observations has in no way discouraged pundits, economists and money managers from consistently attempting to do just that.  This past week markets suffered steep declines and it is tempting to seek the exact cause(s) of this unexpected and swift global market correction. We could tell you that a general unease with domestic and global growth rates are the cause of this unsettled nervousness. We could point out that 'uncertainty' is the only certainty when trying to unravel the Federal Reserve's decisions and timing. We could point to currency devaluations and China's significant price decline. The U.S. has had...
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3 Million Calories and Four Factors to Revolutionize your Business
A recent blog ( by Laslo Bock, SVP, People Operations explained how Google helped their employees cut over 3 million calories from their diets. Food, he convincingly states illustrates how our impulses can override our conscious thoughts, how the broader space around us along with unconscious decisions shapes our behavior. Google tried three types of interventions to support weight loss: providing information so educated food choices could be made, limiting options to healthy choices only and nudging. Nudging is subtle changes in structure that does not limit choices. Nudging worked best.  Proof those small changes can have a large impact. Small...
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Is Cheaper Always Better?
It's with no small degree of amusement that I've been reading CEOs trading barbs with each other over robo advisor costs, cash positions and authenticity. Who provides the best deal in the do-it-yourself world for the financially unsophisticated consumer seems to be a very hot topic.   A seemingly unrelated article the other day basically asked if Independent Broker-Dealer advisors were really cut out to be fiduciaries. Could they, should they? Can they? Will they?  Fidelity and Vanguard’s direct to consumer platforms are big potential threats as well. These firms’ lower pricing alone could be an important and appealing factor to some people. Risk management along with litigation and settlements are a hugely expensive cost to all BDs,...
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 Securities offered through Royal Alliance Associates, Inc., member FINRA/SIPC. Advisory services offered through Affiliated Advisors, Inc. Insurance offered through Rita Robbins & Associates, Inc. Entities listed are not affiliated.

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