Over time, about 90% of the rate of return on one’s investments will be determined by the allocation among equities, bonds, and cash. Regardless of one’s luck or lack thereof in picking stocks, locking in yields, or choosing mutual funds, the vast
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This morning as I was driving to a meeting I heard a radio talk show host lament about the general lack of service in most companies these days. More precisely, there seems to be a lack of desire to serve. The most
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Economics is often referred to as “the dismal science”, a term coined by historian Thomas Carlyle in the mid-18th century when the discipline focused on the world’s limited resources and their inability to keep up with mankind’s growing needs. A lighthearted smear
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It is almost impossible to watch 30 minutes of television without seeing an ad for reverse mortgages. As seniors talk about their “favorite day” of home ownership and actor Robert Wagner extols the virtues of senior consumption, the spots present reverse mortgages
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When dining at a restaurant, how would you feel if your waiter ate some of your food on its way from the kitchen? Upon closing on the purchase of a home, what would be your reaction if the appliances were removed and
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One way to serve clients is to stop others from disserving them. In space dedicated to providing ideas to help you and your clients handle money better, immediate and very certain gains are sometimes most easily obtained by illuminating scams and needless
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If you visited a doctor who, after seeing you, prescribes a particular medicine, should you pay his fee and buy the drug? Most likely. If, instead of a doctor, you saw a neighbor who happened to have a similar condition and thereby
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